TD BANK US HOLDING COMPANY

2015-12-01

MA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Re : Breach of contract, plying false documentation, material misrepresentation, appending fees outside of the contractTD Bank services a mortgage loan, a contract assumed from a prior originator. The language of that contract is clear and specifies the real calendar date upon which a payment is received ( conveyed ). This definition is affirmed by years of prior TD bank behavior correcting any post-dating of a loan transaction to conform to the terms of the loan contract. This is important because, the terms of the contract can not be abridged or changed by any policy or arbitrary procedure of subsequent service agents. The contract is required by law to be serviced as written for the life of the loan. In the most recent year, TD Bank has repeatedly breached the loan contract by post dating inadequately documented transaction receipts, and altering statement details, for the purpose of quietly appending late fees to the backside of the loan. USPS Postmarks obtained on the receipts provided by TD bank tellers show that TD bank post dates and inadequately documents payment receipts to produce a false and misleading record of the transaction. Post dating of loan payments extends from 3 - 5 days from the date that payments are actually received. The loan contract sets action in regard to conveyance on fixed calendar dates and does not provide subsequent service agent the right to alter the contract or redefine dates and/or terms, and assent is affirmed by TD banks prior actions, and those of prior service agents dating back more than a decade. In addition to post dating loan transaction receipts it can also be shown that dates recorded on the statements do not match even non-post dated receipts. Again, the dates are altered to trigger bogus late fees which are quietly appended to the loan. Mortgage loan servicing is bound by the terms of the loan contract - not by variable and arbitrary bank policy changes regarding deposit and checking accounts or other financial services. By failing to properly document and accurately record loan payments, and by applying and appending fees outside of the contract terms and definitions TD bank is in repeated and sustained breach of the loan contract.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-01

Gainesville, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-01

Columbia, MD

Billing disputes

Credit card:

Complaint: I had set up an electronic payment for my target credit card bill. Target never submitted the payment to my bank. They sent me a notice that the account or routing number I had entered was incorrect or that the account did not exist. The account did exist and was in good standing. I contacted target in response to their letter saying that they could n't process the online payment. The representative I spoke to was unable to take my account or routing number and gave me XXXX pieces of misinformation ( documented in my letter to target attached here with ) I subsequently spoke to XXXX other representatives XXXX of whom said she was documenting my complaint. She failed to inform me that if I had a complaint it needed to be submitted in writing. I closed my account having paid for all merchandise. I did not pay the {$25.00} fee. I submitted a complaint in writing which was rejected saying that Target could not have prevented the error. I have never encountered an online payment system that would accept a incorrect routing or account number. If target system does accept incorrect numbers, it seems that it would be creating problems for many customers besides myself. It is difficult to enter XXXX numbers without occasionally making an error. Every other system that I have worked with has immediately rejected the information if there was an numerical error. Since Target closed my dispute they have been billing A late payment fee every month and some months they have also charged me interest. They also sent my account for collection and when I wrote to the collection agency to document the dispute I started receiving phone calls from another collection agency. Meanwhile my closed account was in XXXX billed at {$230.00} with a {$35.00} increase each month. There seems to be no way to stop the continued accumulation of fees.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-30

PA

Delinquent account

Credit card:

Complaint: My issue is that my Target Red Card account was put into collections and closed after I sent a check to pay off my account in full and on time on XX/XX/XXXX. This was sent through the US mail and should have been processed in Target Red Card 's payment facility soon thereafter. In the time leading up to my account being closed and put into collections, I thought that my account was paid off. It seems that either the check did n't make it to them or was processed incorrectly. I received NO phone calls and NO collection notices. If I had realized it was n't paid off, I would have made it right immediately but there was no due diligence in my opinion to inform me as the consumer at all. You will see that as soon as I became aware of the balance I paid in full on XX/XX/XXXX. I provide this not to justify why the account was unpaid, but rather to show that it was not an issue with not being able to pay or managing my credit. This looks to be an error at the post-office or at their payment facility but they refuse to hear me out and only respond with form letters that clearly do n't even speak to the issue. I hope that Target Card is willing to work with me on erasing this mark from my credit reports and reopening my account that has been in good standing since XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-29

PA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: TD Bank denied renewal of my home equity loan solely on the basis of age discrimination. This was not caused merely by poor customer service or incompetence, because no business can survive operating like that. Instead, from the start they were determined to undermine my income by repeatedly losing documents ( XXXX, XXXX. proof of consistent bank deposits, etc. ) I mailed and faxed those papers to them at least three times. Then they mysteriously disappeared. They then based my income solely on Social Security. I submitted proof of over $ XXXX, but they kept losing the paperwork. When informed of their decision I was not " credit worthy '', they also said I had numerous delinquencies. I immediately got a copy of my credit report that repeated XXXX words -- never late. They also claimed that an anonymous third party ( other than a credit bureau or appraisal company ) gave them extra ammunition to judge me an undesirable client. I have asked for that information several times, but TD Bank refuses to divulge their source. Are n't they required to do so under Federal law? It is truly a case of blatant age discrimination, because they believe they can scare and intimidate people over XXXX. Not so!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-29

CT

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: TD Bank has a loan on my credit report that no longer exists it 's for XXXXplus dollars
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-28

Pinellas Park, FL

Closing/Cancelling account

Credit card:

Complaint: This account was closed on XXXX/XXXX/09 want to be removed from my credit it 's already more than 6 years.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-28

Pinellas Park, FL

Closing/Cancelling account

Credit card:

Complaint: I want this account to be removed from XXXX closed account XXXX/XXXX/09 with XXXX balance.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-28

Saint Petersburg, FL

Closing/Cancelling account

Credit card:

Complaint: This account was closed on XXXX/XXXX/10 want to be removed from my credit it 's already more than 7 years.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-28

Pinellas Park, FL

Closing/Cancelling account

Credit card:

Complaint: This account was closed on XXXX/XXXX/08 want to be removed from my credit it 's already more than 7 years.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-28

Pinellas Park, FL

Closing/Cancelling account

Credit card:

Complaint: This account was closed on XXXX/XXXX/2010 with a XXXX balance and still showing on my credit report with XXXX.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-27

Reeders, PA

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-27

Evesboro, NJ

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-27

Fort Myers, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-26

Rosenhayn, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I opened a small business account two years ago. At the time it was never explained to me that I had to opt in to not allow overdraft of my account. My company was a small operation and I was nave, thinking banking products were similar to personal banking products. I was switching banks and made it known to TD Bank, well one day my account went to - {$6.00} and they continued to allow small purchases ( {$5.00}, {$7.00}, etc ) so that they could then hit me with {$170.00} in overdraft fees. They would not refund these fees because they were not banking errors, even though other banks do it. The manager on duty told me that as a businessman I should have kept better track of my account. She pointed to my phone and told me that I had the mobile app and should have kept better track. She was rude and if I had not been leaving the bank I definitely would after that.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-26

NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I had requested an expedited external transfer for an additional {$7.00} fee on XXXX/XXXX/2015. However, TD Bank failed to mention that the fee would be deducted from my account a few hours AFTER the transfer had been complete ( industry standard practice is to deduct the fee immediately ). This caused me to fall below my minimum daily balance of {$100.00} by {$7.00} ( to {$93.00} ). I immediately transferred an additional {$15.00} to the account just to be safe and avoid a fee for dropping below my minimum balance. However, I was charged {$15.00} on XXXX/XXXX/15 ( XXXX! What XXXX! ) for falling below my minimum balance for less than 72 hours. I feel that the bank intentionally delayed the deduction of the {$7.00} transfer fee in order to collect an additional {$15.00} fee. I had called them and they gave me a typical, pre-scripted response, and claimed that they were unable to help me.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-25

Phila, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Randolph, MN

Other

Credit card:

Complaint: I went to use my card and vendor tryed to take card the card away several.times after Numberous time calling credit card company they assured me the card was good and i was in good standing somewhere along the line some untrained personal shut my card off. I even talked to supervisors numerous times trying to figure out why my card was not working assured me my card was good and i was in good standings every time that the card was good this has gone on for a month and half I finally got a hold of credit card company repersevive XXXX/XXXX/15 was discovered my my card was shut off for no reason i could see if i was late or some thing like that but I was in good standing the whole time
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-25

Canaan Lake, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-25

Phila, PA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: This is my XXXX day ... Went to TD Bank on XXXX and XXXX XXXX pa.. Walking in to try to speak with customer service. Mind you just to get a replacement card now as we speak I 've been here for 1hr and half.. Still have n't been seen they have multiple tellers but XXXX customer service rep and she acts like she does n't want to even be here. I do n't understand I 've been to a few of your branches pa, ny but this XXXX is XXXX of the worst I 've ever been to.. XXXX to say the fact I need my card to get my money but another day I will go with out XXXX or I will have to go out my way to go to another brand .. XXXXpeople just walked out and yesterday was the same I thought if u come early maybe it would be different well it 's not .. Someone needs to come really see the mess Thts here : /. Because it 's a lot of people in need of a job if they do n't want to work ..
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-11-24

Fleming, GA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: When I lived in XXXX I had an account with TD Bank. I have moved to XXXX where TD has no branches. I have told the to close the account many times. The last time was yesterday. Because they have not closed it fees are just over {$1000.00} and growing. They now claim they will close it in 60 days. Then a collection company will go after me. They are not working with me at all. They just like charging fees. I am getting hit with fees as my account is less than XXXX because of fees.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-24

Katonah, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I am filing a complaint against TD Bank. I opened XXXX new accounts with the help of customer service. The accounts are as follows XXXX and XXXX. I am a regular customer and I deposit cash to my accounts. I have deposited CASH in worth XXXX of dollars in the past. TD Bank did nothing to protect my cash investments. I was treated in an unprofessional manner by lower level people from customer service and from the XXXX XXXX XXXX XXXX, NY XXXX location. One representative stated that they can pick who they do business with at the lower level. She stated it is her right to discriminate against people as she sees fit.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-24

NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: TD Bank levied my business bank account domiciled in the State XXXX, due to a XXXX subpoena and personal judgment received that directed them to restrict XXXX domiciled accounts only. When I told the bank that they levied my account in error, they responded that their customer agreement allows them to levy accounts outside the scope of the XXXX subpoena, yet could not show me any agreement language in support of that claim. They have frozen almost {$7000.00} in funds without any authority under the law.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-24

College Hill, PA

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response