TD BANK US HOLDING COMPANY

2015-11-10

Katonah, NY

Credit decision / Underwriting

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-10

Salem, NH

Fraud or scam

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Clyde, CA

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-10

Costa Mesa, CA

Improper contact or sharing of info

Debt collection: Credit card

Contacted me instead of my attorney
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-10

Foothill Ranch, CA

Credit determination

Credit card:

Complaint: To Whom It may concern : I am filling a complaint against Target Credit Card online application process. They said I incorrectly answered questions during the online process to prove my identity, so they were unable to give me credit. If the Target was unable to determine my identity during the application process, than Target should have never run my credit in the first place. The online software system should automatically reject my application, and Target should not automatically run my credit. These personal questions from the past are the same questions the XXXX credit bureau will ask when you apply for the free annual credit report. On all three bureau website, if you are unable to answer questions to identify yourself, the system automatically ask the person to contact customer service and the applicant is unable to continue the process. This flaw in the Target online application process will hurt many consumer credit rating just by automatically pulling credit regardless if they were identified or unable to indentify the person applying for credit. Identity fraud is on the rise, so it is very important a company does not automatically pull a credit inquiry on the individual it was unable to identify. This was very upsetting that they pulled my credit when they said they were unable to identify me during the online process.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Credit decision / Underwriting

Mortgage: Other mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-09

Ball, LA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-09

Unity Plaza, CT

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-09

SC

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have a saftey deposit box at a TD bank in XXXX, SC XXXX XXXX XXXX XXXX XXXX and they were flooded out. My box was flooded and it took them weeks to set up a day for us to come by and inventory the box. They are saying the items possibly have ecoli and they have to be tested before they give them back after disinfecting them. The items in the inventory were described in such a way if anything happened to the items we would never be able to recover the amount or the item in which it was worth. Yellow bracelet with stones? They said they could not identify if it was worth XXXX or XXXX. A yellow bracelet can be bought XXXX for {$5.00}. They have tested the items and are now saying the items are positive for ecoli. We have not received any paperwork saying such, just as they said the water in the bank tested for ecoli. They went ahead and opened the inventoried bags and recleaned them without our presence. Have called the regional manager and they will not give me any phone numbers for anyone higher than them. What?? Also ca n't find Corperate phone numbers on the internet. We want our items back and we will sign whatever stating that we are responsible for whatever, ecoli ect. Do n't know who to contact from here?? We have contacted our attorney and will file a claims and delivery XXXX I believe. Attorney is working the issue.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-09

NC

Advertising and marketing

Credit card:

Complaint: i applied for a TD bank credit card. i was promised a {$200.00} sign on cash bonus when i spent {$1500.00}. i did my part the bank will not issue my {$200.00} sign on bonus.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-09

Sandy Hook, CT

Unsolicited issuance of credit card

Credit card:

Complaint: Td Bank / Target Card show non authorized credit inquires.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-07

Cranford, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-07

Jacksonville, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: My husband signed for a car loan on XXXX/XXXX/15 first payment due XXXX/XXXX/15. He inquired by phone about a concern if the payment electronically went late. He was NEVER told he had a grace period of 10 days. His VA checks goes into his cu acct on the XXXX of every month and so the XXXX is fine without any change to the XXXX of the month for an electronic payment to occur.. The representative for the finance company by phone went and changed it to the XXXX of the month. We set an automatic payment on XXXX/XXXX/15 for payment the XXXX of the month and was reassured that it would be on the XXXX but it has changed to the XXXX plus additional XXXX added to the loan.We have tried to reverse charges of this and to restore to the original payment date and have called numerous times without any resolve. The representative encouraged a payment change date rather than explaining that if a payment did not reach them electronically as scheduled or payment received within the next 10 days he would not be facing a late charge, instead told him to pay XXXX along with his monthly payment and his due date would change to the XXXX or we could add it to his loan. He was discriminated by age and lack of financial knowledge. This representative took advantage of this and encouraged him to change the due date so that she could acquire this transaction. I called and was told a return call within 48 hrs from a supervisor and no call. I called again and was told 3-5 business days I would get a return call. Most financial companies are fair and usually give you all of the information as needed but this one was a mistake to borrow from with the intent to have scrupulous phone representatives that are conniving.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

Raymond, NH

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

New Britain, CT

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-06

Atlantis, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-06

Fountainville, PA

Other

Credit card:

Complaint: My target card had autopay linked to an old bank account, and after two years of full credit card payments ( on time, and through autopay ), I had insufficient funds in that account. This was my error, so I called Target immediately, paid the full balance plus the {$25.00} NSF fee and requested to change my autopay account. They told me to do this online. I changed the account online to my current checking account and called back to confirm they could see the new account. Target confirmed. The next month they tried taking funds from the old account AGAIN, even though I had changed it, and I had ANOTHER charge for insufficient funds. When speaking to a CSR and their supervisor, XXXX XXXX, on XXXX/XXXX/15 they told me that changing my bank account numbers for payments on line was not sufficient and I had to cancel my autopay agreement and create a new XXXX. None of this information was online, or provided during my confirmation phone call. The website and employees were misleading due to the lack of disclosure, and is both unfair and deceptive, and when I requested the late fees to be returned for them providing incomplete and false information, they refused. The website should have clearly stated information about the new autopay agreements and the employee should have clearly disclosed this on the phone. I should not have been charged the {$25.00}.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-06

Lafayette Hl, PA

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Rncho Domingz, CA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-05

Manhattan, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Astoria, NY

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Carol City, FL

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Three Bridges, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-05

Jupiter, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: TD Bank credited my account XXXX $ that were bank over-draft charges as a result of fraudulent activity on XXXX/XXXX/15. On XXXX/XXXX/15 I contacted the bank to ensure that the funds had been returned to the account and that the ACH was denied. On XXXX/XXXX/15 I stopped into the branch to obtain a letter to provide documentation to an outside entity that the issue was resolved. TD Bank sent a letter stating that the case was closed and found in my favor. On XXXX/XXXX/15 they reversed the credit, in addition, charged me XXXX over draft fees for their credit reversal since they processed them separately. After 30 minutes with a representative, they stated that they will expedite the un-doing of the reversal, however, I continue to incur fees from their XXXX $ debit for purchases that were already made.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-04

Seattle, WA

Other

Credit card:

Complaint: After reviewing my credit report, I discovered that Target has been adding new " Key Derogatories '' when I settled on this account two years ago. This is inaccurate and only serves to lower my credit score. I have been disputing this account for a few months now and Target has done nothing but damaged my score even more. There can not be ANY " payment history '' entries AFTER the account was paid because this is a closed account and there is no balance due. I am also attaching a copy of my credit report showing their updates in my payment history. Their inaccurate reporting is unfairly damaging my credit score and needs to be removed!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response