TD BANK US HOLDING COMPANY

2015-11-24

Chula Vista, CA

Credit card protection / Debt protection

Credit card:

Complaint: XX/XX/2015Dear Sirs, Most of my credit card companies issued new credit cards with chips in them and with the normal and identifying as a real credit card with raised account numbers and expiration dates. However, XXXX XXXX and Target issued fake looking credit cards with out the normal raised account numbers and raise expiration dates. XXXX refused on XX/XX/XXXX to issue a normal raise numbers card with a chip like most of credit card companies and I not able to get a hold of Target. Since it is possible to have the normal and more secure raised numbers with the new chip both ; I see no reason to accept either the target or the XXXX XXXX ; I think it is irresponsible to issue the flat credit card that are more easily faked. I expect the CFPB to at least ask or direct Target and XXXX to give customer or Consumers a choice ; or more prudently require all credit card companies to issue the more secure traditional raised number cards with the chip in them and use both methods and not issue the flat credit cards at all. XXXX XXXX XXXX XXXX. XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-24

Lk Buena Vis, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: Target Visa was paid off & closed, subsequent fraudulent charge for an online subscription -- I did n't detect it for a few months or so. Contacted Target, but they did n't act. Eventually was charged off XX/XX/XXXX, and I sent a letter stating that I was not responsible for the debt to one collection agency XX/XX/XXXX, and a copy of that letter to the current collection agency about a year ago. Still, they call me several times a week, usually weekend days @ XXXX., so I have to unplug my phone to sleep.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-24

Halyoke, MA

Billing disputes

Credit card:

Complaint: We have a credit card that offered 0 % financing for 5 years on the purchase of a lawn mower. We have been paying our payments for 4 years and they claim they sent a letter in XX/XX/XXXX adjusting our minimum payment by rounding it to the nearest dollar ( XXXX cents ) we did not receive the letter and did not adjust our payment this resulted in XXXX late fees ( {$35.00} and {$25.00} ). We contacted the credit card company and they offered to refund XXXX of the late charges for {$35.00}. We still feel that both fees are unfair seeing that there is only a XXXX cent difference. in what we paid and what we " owed ''. We have paid the additional {$25.00} to keep our account current.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-23

Wilmington, DE

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

Middletown, CT

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-23

Camden, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-23

Oak Hill, FL

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-22

Stevenson, MD

Billing disputes

Credit card:

Complaint: Target Card did not process an electronic payment of the full balance properly. Thereafter, they assessed fees and interest to the account. I paid {$50.00} to avoid further fees and interest, which was accepted. Thereafter, I attempted to pay the full balance again only to be rejected again. This failure on Target 's part has also resulted in " returned payment fees. '' There is no trouble with my bank account, which has the money with which to pay. The issue is with Target failing to properly accept my payment.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-21

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-21

NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XX/XX/2015 XXXX XXXX XXXX XXXX presented a check against my bank account with TD Bank for {$1400.00}. This brought my account balance to {$130.00}. That same day, XXXX debits totaling {$30.00} were also debited from my account, causing my overall balance to fall to {$99.00}. On XX/XX/2015 the check was returned and I was charged a {$35.00} overdraft fee. The only other debit to occur that day was for {$12.00}. After reviewing this on my XXXX statement and making numerous phone calls, TD Bank confirmed that the check was returned in error and refunded me the overdraft fee. The check to XXXX XXXX XXXX XXXX was for my XXXX rent and it being returned will result in me being charged a late payment fee and a returned check fee.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-21

Bronx, NY

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: TD Auto Finance iIlegally repossessed my auto vehicle, and then report the illegal repossession to the credit reporting agencies. On XXXX/XXXX/15 I went into the parking lot where I parked my vehicle to get a bag with documents, such as myself and my children passport, social security cards, my children birth certificates, my degree among other documents that I had left in the car, then I see that the car was not in the lot. I first call my local XXXX to see if they will have any information of the where about of my vehicle but they did not have any information. I asked around but no one had any information on my vehicle. On XXXX/XXXX/15 I received a certify mail from TD XXXX date XXXX/XXXX/15 and was postmark with the same date. After verification the letter was first scanned at the usps facility on XXXX/XXXX/15. The letter stated that my car was repossessed by TD auto finance, it also state that my vehicle will be offered for sale at a private sale beginning on XXXX/XXXX/15 and from day to day thereafter until it is sold. The letter also advise the amount of money I owed. TD auto has violated several of NY State law when repossessing a vehicle. I was never informed within 24 hours after my vehicle was repossess by TD as required by NY law, also TD never inform we of where my vehicle is or provide me with information as to how I can get my personal belongings that were in my vehicle. Also TD auto never advise me my phone,, text, email or mail the date, time or location of sale of my vehicle. According to New York State Law After Your Property is Repossessed1.The secured party ( the seller or lender ) may sell your property by public auction or private sale. Such sale must be reasonable in terms of the method, manner, time, place and terms. 2.You have the right to be notified of the time and place of a public sale and/or of the time after which a private sale you goods will be made. 3.If you have paid the seller sixty percent ( 60 % ) of the cash price for the goods he/she repossesses, or 60 % of your loan from a lender, the seller or lender must sell your repossessed goods within 90 days. If you have paid less than 60 % of the amounts due, the creditor does not have to sell the goods and he/she can keep both the goods and your money. When your creditor sells your repossessed goods, the money he/she receives goes first to his/her expenses from repossessing and selling the goods, then to satisfaction of the debt. If there is any money remaining, you will receive it. If your creditor did not receive enough money from the sale, he/she may sue you to make up the difference. 4.Until the creditor sells the goods, you have the right to pay all of your debt plus the creditor 's expenses in repossessing and preparing to sell the goods ( including reasonable legal expenses ). The creditor must then return the goods to you. Motor Vehicles and Motorcycles New York law requires a creditor who repossesses your motor vehicle or motorcycle to notify you personally, or by special delivery first class mail, within XXXX hours of such repossession. Such notice must also be given to the nearest motor vehicle district office and must include the name and address of the person, firm, or corporation repossessing the vehicle. If your motor vehicle or motorcycle is being held under a lien for repairs or storage, the holder of the vehicle must return to you any registration plates for such vehicle upon your request within 24 hours. If the creditor fails to do this, he/she must personally deliver or mail by special delivery first class mail, a notice of such holding and the number plates of such motor vehicle or motorcycle to the nearest motor vehicle office. TD Auto finance deliberately disregard the NY State law and illegally repossess my vehicle. They also violate federal law by reporting this illegal repossession on my credit report.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-21

MA

Making/receiving payments, sending money

Bank account or service: Savings account

Complaint: I received a cashiers check for XXXX After depositing, I waited several days for it to clear. It cleared. I then spent the money. 2 days after my bank said it had cleared, it was returned, and now I am in serious debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

Dunnellon, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

Hollywood, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I called TD Bank today in order to find out why XXXX was not accepting my card online. TD Bank Rep XXXX today on XXXX/XXXX/2015 started yelling at me and told me a lie that my card was not active and that she needed to activate a new card sent in the mail with beginning date of XX/XX/XXXX - I told her I did not want to do that but instead of listening to me she bulldozed and bullied over me and called a 3 way mysterious number wherein she fed all of my personal information ( card number, expiration date, tax ID Number, social security number etc ) into God knows where and to whom. The number she called was supposedly automated and it kept saying that the information she fed was not correct so she kept milking me for more security information and I got very suspicious and told her I wanted to speak to a supervisor. It appeared that and felt like she was feeding my personal financial and identification information into some XXXX fraud ring and I told her to stop. Instead of transferring me to a supervisor she transferred me back into the cue line, where I had to start the entire process all over again and spoke to someone named XXXX who then finally gave me to a supervisor. I am now herein filing a complaint.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-20

Rncho Domingz, CA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I opened a checking and savings account in XXXX 2015. I received a letter from TD Bank on XXXX XXXX, 2015 stating that my checking account was overdrawn. After logging on to the account to see what had happened, I could tell that for three months ( since XXXX ) TD Bank had been charging me maintenance and overdraft fees to the tune of {$35.00} a month, causing my account to go negative and then further negative each month. All without contacting me or alerting me before charging these fees. The first notice I received was by mail with a letter dated XXXX XXXX, 2015. My savings account, opened on the same day and linked to the checking account, had hundreds of dollars in it, enough to cover any issues with the checking account. The account representatives that I spoke to tonight told me there was a minimum balance and therefore there was a charge of {$15.00} each month and once those maintenance fees were charged, they added an overdrawn fee on top of that because TD Bank had overdrawn my account. I do n't remember agreeing to this minimum balance, nor do I use this account very often, so it is not unusual that I would not have noticed the fees piling up for three months. The supervisor on duty agreed to waive two months worth of fees but would not agree to waive all of the charges. This is a fraudulent practice because once the account dips below the minimum the maintenance and overdraw fees add up quickly to force a negative balance and removing the rest of the money from your account.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-19

Mount Vernon, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-19

Fall River, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-19

Key Biscayne, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Hi, TD BANK fraudulently overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. First, they tape recorded my conversations with them without informing me of that in the beginning of conversation which is against the law. Second, They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions for 5 days to the Monday night processing so that my account would incur NSF fees totaling {$200.00} which far exceed the amount of the total of my transactions which totaled {$40.00}. This is excessive behavior and abuse of power. I never filled out any paperwork for approval for overdraft fee payment or overdraft protection when I opened the account. They are trying to penalize me and charge me for overdraft protection that I never requested to begin with nor filled out an application stating that. To prove it, they could not find any application for overdraft protection or approval of overdraft payment application in my record when I opened the account. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees of low income customers - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if their Executive department found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$600.00} due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-19

Carmel, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-19

Arco, CA

Billing disputes

Credit card:

Complaint: I had made a purchase of XXXX $ back in XXXX at Target. This was supposedly " free '' if I signed up for a target credit card. I never received the card but started receiving bills for XXXX $ every month from Target on this " free '' purchase. I called target to totally cancel the card but they are still billing me XXXX $ per month for no reason whatsoever. The card is not even activated because I have n't received it. After this call, I still received bills even though it was cancelled. They say that they will continue to bill after a card is cancelled if there is a balance on it. They are charging me XXXX $ for a XXXX $ purchase. I am willing to pay the XXXX $ for the purchase but I will not pay the additional amount for a card that was never received.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-19

LA

Late fee

Credit card:

Complaint: I have a rooms to go credit card with TD Bank. I enrolled in online statements, but the company has not provided online statements. Nor has the company provided written statements, which include the charges, due date, or amount due. The agreement states that they are supposed to issue a bill 5 days before it is due, but, instead, they issue the statement 5 days or more after it is due, when they have already applied a late fee. The late fee is applied without giving notice before the due date of when the amount is due, or how much is owed. I put them on notice of the problem, and complained about it last month. But, they did it again this month. Also, I currently do not have access to the statement allegedly issued on XX/XX/XXXX ( 5 days after the due date ), but rather, when I click on it, it gives me an error message. I believe this is a scam to make money off of late fees, since this is a zero interest for 18 months credit card. Further, they are doing this with malicious intent and full knowledge because they were put on notice of the problem last month and failed to rectify it. I have again demanded a refund of the improperly charged late fee.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-19

Key Biscayne, FL

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-11-18

Lynn, MA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-18

Hamilton Grange, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response