TD BANK US HOLDING COMPANY

2015-10-13

Ventnor Heights, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-12

Chestnut Rdg, NY

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-10-12

Walden, CO

Late fee

Credit card:

Complaint: I made my credit card payment on a Saturday XXXX the day it was due. I was assessed a late fee for the payment. I contacted the credit card company-target, they said the payment was due by XXXX central time. I made the payment at XXXX ( my time which is mountain time ). My understanding is that payments made on weekends, holidays etc are not 'late ' according to the new credit card protection laws. Last month my payment did not go through electronically, although I had a confirmation number-target issued a refund for that late fee due to the electronic mixup but that set me up for not having my late fee waived again for customer service issues. Target then suggested I could have made the payment via phone, if a phone payment is not late then an electronic payment should not be late either. My bank is still closed on weekends.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-12

Groton, MA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I over drafted my account but was charged overdraft fees for two consecutive days. I called on the first day and was told what items were subject to the fees. Then when I called they tried to double talk me. I 'm not stupid. I think this may have happened before.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-12

Warrenton, VA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I opened a business checking account with TD Bank on XXXX XXXX, 2015 with an initial balance of {$200.00}. On XXXX XXXX, 2015, an ACH deposit was made to my account in the amount of {$12000.00}. On XXXX XXXX, 2015 I wrote a check ( using XXXX of the starter checks that TD Bank provided me when I opened the account ) from the account in the amount of {$5600.00} and deposited it to my personal savings account at XXXX XXXX XXXX XXXX to reimburse myself for business expenses. The check was not honored and was returned to me, and I was charged a {$30.00} return check fee. There were sufficient funds in my TD Bank checking account to cover the check, and there was no reason for TD Bank not to have honored the check. On XXXX XXXX, 2015, TD Bank assessed my account a maintenance fee of {$25.00}. This was interesting because when I opened the account on XXXX XXXX, I was told by XXXX XXXX XXXX who opened the account for me at the XXXX, VA branch XXXX that as long as I maintained a balance of at least {$1500.00} that the fee would be waived, and that the minimum balance requirement was waived for the first two months that my account was open. On XXXX XXXX, {$12000.00} were deposited to the account. This was well within the two month timeframe stipulated. Additionally, from XXXX XXXX onward, my balance did not go below {$1500.00} until I closed the account. Because of the items described above, on XXXX XXXX, 2015 I went in to the XXXX branch and closed my account. Before I closed the account, I checked the account information in online banking and saw that the last pending item, ( which was an online bill payment to XXXX XXXX in the amount of {$1500.00} XXXX had cleared my account and no longer showed as " pending ''. When I was at the branch closing the account, I specifically asked the teller if she was showing anything in the account in a " pending '' status, and she indicated that she did not. In addition, my XXXX XXXX account showed a credit posted to the account on XXXX XXXX, 2015 in the amount of {$1500.00}, which was the online bill pay transaction. On XXXX XXXX, 2015, I received an email and a phone call from XXXX XXXX indicating that the {$1500.00} payment from TD Bank had been returned. I immediately called TD Bank 's customer service number to find out what happened. The customer service representative initially told me that she had no idea what I was talking about and that she reviewed my account and did n't see any record of a payment to XXXX XXXX and did n't show me having a balance of {$1500.00}. It took roughly a half hour and lots of time spent on hold while she looked into it further and concluded that TD Bank did not process the payment because I closed my account. She said that she did not know where the {$1500.00} was and that I needed to go in to my local branch to get the issue resolved because my account was showing a {$0.00} balance. A little while later that day I went to the XXXX branch and spoke with XXXX XXXX. She looked at my account and similarly could n't figure out what had happened and did not know how to go about getting my {$1500.00} back. She made a call to another office, and apparently they told her that she needed to send an email to central processing to request that they send me a check. XXXX indicated that she would follow up with me by the next day to let me know the status of my reimbursement for the {$1500.00}. I never heard anything back from XXXX. I still have not received the {$1500.00}. I have not been contacted by TD Bank at all over the course of this issue. Additionally, because of the returned payment, XXXX XXXX charged me a returned payment fee of {$27.00}, and I incurred interest charges in the amount of {$57.00} because the returned payment resulted in my account carrying a past due balance.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-10

Grovespring, MO

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-10

Santa Rsa Bch, FL

Customer service / Customer relations

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-10

Kawaihae, HI

Delinquent account

Credit card:

Complaint: I set up auto pmt on my account by filling in a form with my name and address and attaching a voided check from my bank. The scheduled auto pmt did not go through -- I was charged interest because my payment was denied by ACH -- NOT by my bank. My bank researched the problem and said that ACH denied the payment. I called the cc company and they said it was my fautl -- I must have filled in the form wrong. I submitted a second form and to prevent the same thing happening I paid my account through the online payment feature. I had used it once before with no problems. The website said the payment was accepted. I got a confirmation email also. XXXX weeks later my credit card was declined. I called the cc company and they said they did n't get the payment and I needed to pay the minimum amount. I told them to check on their side. Why would n't the online payment go through this time when I had used it successfully before? The customer service rep said she could n't do anything and that her supervisor would be researching the problem. Also, she could n't explain why they did n't contact me via email or telephone when the payment did n't go through and they put my card on hold. Its been one week and I have not heard anything back from them. I continued to try to make payments using the online method and finally I was able to get XXXX to go through. I am closing this account, but I told them I wanted all interest and late fees back since it was their problem my payments were n't getting through. Also, I wanted my credit report to show I was not late.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-10

Cedar Rapids, IA

Late fee

Credit card:

Complaint: I accidentally signed up for a Target Redcard ( store charge card through Target ) at the checkout counter at the Target store near me on XXXX XXXX. I thought I was signing up for the Target card that works like a debit card and debits amounts from my checking account. I realized my mistake on XXXX XXXX when I went to use my card at the store and they told me it was a credit card. I made a payment that day and told them I wanted my account closed. I started getting bills in the mail but thought my account was paid off and closed, so I did n't open them for a few months. I actually opened my XXXX bill and found out I had been charged XXXX late fees for a total of {$60.00}. I set up my online account and paid {$35.00}. I called Target ( XXXX ) the next day on XXXX and explained that I did n't want the card in the first place and felt I had been given it against my wishes. I asked for the late fees to be removed. They did not remove the late fees. They did close my account -- it had n't been actually closed, even though I told the store I did n't want the card when I made the in-store payment. I did not know what to do next, so I waited a few days. I called Target again on XXXX. I explained to the representative that I did not have the resources to pay off the {$52.00} that was due by XXXX, according to the website. I asked if I could work out a payment arrangement. We worked out an arrangement where I paid {$17.00} that day and agreed to have {$38.00} debited from my bank account on XXXX, which was the date of my next paycheck. I remember that the amounts I paid were chosen by the representative -- I would have preferred to pay {$30.00} on XXXX -- but I suggested the XXXX date for the XXXX payment. I may not be remembering that fact correctly. I asked and confirmed with the representative how this would leave my account. The representative confirmed that this would bring my balance from {$90.00} that day to about {$35.00}, and that I would be able to pay that remaining {$35.00} before XXXX, during the normal billing cycle. The representative did not say anything about any other late charges -- I assumed that the entire reason for setting up the payment arrangement was to avoid any more fees or action. The {$17.00} and {$38.00} were debited from my account as scheduled, but I was charged another late fee of {$35.00} on XXXX. I called Target on XXXX to explain what the representative had told me before and ask for the late fee from XXXX to be removed -- after all, at this point, I had paid {$90.00} in 22 days, paying down almost all my balance. My payment behavior did not seem to warrant another late fee. The representative on XXXX informed me I had not paid what I was supposed to by XXXX, so I incurred a late fee. He also informed me he could n't remove this late fee, since I had gone 2 months without making any payments. They will not forgive late fees unless the customer has had 12 months without missing a payment. I have now paid {$90.00} to Target for an account I did n't want in the first place and I am basically back where I started. I just want my account paid off and closed, and I am trying to do that, but Target is making that very difficult by adding late fees, seemingly to prolong endlessly my indebtedness to them.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-09

Clementon, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-09

Discovery Bay, CA

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Complaint: Collection agency reporting {$2900.00} as Open Account, & under collection accts ( XXXX ) times on credit report along with Original debtor Target/XXXX also reporting, {$1900.00} as charge off. This is reported XXXX on credit report.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-09

NJ

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Complaint: A student from my school offered me a job in which I would have to withdraw money from my debit card weekly, little did I know this was a scam the whole time. This student and his associates transferred money to my debit card, and forced me to withdraw all the funds. At the moment only {$2900.00} was cleared and they made me withdraw it by force. Once I did they took the complete {$2900.00} leaving me with nothing. They wanted me to withdraw {$7000.00} but I declined and reported Identity Theft. After the whole investigation, the bank says I owe {$3100.00}, but I was scamed and robbed for this money, it is unfair that I must pay this back. The bank teller should have never gave out the money there, but the money was cleared so I dont understand why I must owe this
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Olympia, WA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-08

Seligman, AZ

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Corona, NY

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-07

Brooklyn, NY

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Gloucester City, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Battle Ground, WA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-07

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Wallington, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have a Health Savings Account with TD Bank. I was notified in early XXXX that they would begin extracting fees from my account by XXXX XXXX. So I paid qualified medical expenses to bring the account balance down to {$0.00}. I called to close the account but I was told because it was a HSA, I had to go into a physical branch location to close the account. So I went to the TD Bank branch at XXXX XXXX XXXX, XXXX NY on XXXX/XXXX/2015. I met with a bank representative to close the account, she took my HSA debit card, and my online account with the bank became inactive. The following month, I receive a statement from TD bank showing the account with a XXXX cent balance from interest earned and the account not actually closed. So, I went back to the same branch location on XXXX/XXXX/2015 to make a second attempt to close the account. The bank representative withdrew the XXXX cent balance, gave me the penny and said that the account was now closed and I should receive a final statement at the end of the month. I am still receiving statements as if the account is still open. TD bank will not close the account even though I have brought the balance down to {$0.00} on XXXX occasions and have gone into the bank XXXX to close the account. I do n't know what else to do.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-06

Boston, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-06

Laurel, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Allentown, PA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

New Britain, CT

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-05

Forked River, NJ

Wrong amount charged or received

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: Yes Timely Response