TD BANK US HOLDING COMPANY

2015-10-05

Greenville, SC

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-05

Bronx, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-05

MA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I have a " relationship savings '' account with TD Bank. Because this savings account has a " relationship '' with my " relationship checking '' account, I am entitled to a certain rate of interest. XX/XX/XXXX about 10 months after the accounts ' set-up, I was fed up with the ridiculously low interest rate of this " special '' account and I went on-line to look at other accounts. I discovered that I had been receiving an interest rate of only about XXXX of what it should have been. I notified my TD branch in XXXX MA, and they discovered that my relationship accts had not been set up properly ; so they linked my accounts and gave me my retro-active interest. After that, I began to compare my monthly statement 's stated interest rate with the TD Website 's stated rate. My XX/XX/XXXX statement showed my interest as less than XXXX of what it should have been. I contacted TD and it appeared that my savings acct had been de-linked from the checking acct. This was fixed, but only after a great effort on my part. The XXXX number follow-up never occurred and I had to contact the manager of my local branch. The next statement still had a higher, but still wrong, interest rate and did not reimburse me what I was owed. On the next statement XXXX XXXX ), the interest rate was correct and I recieved {$20.00} which included my retro-interest plus a small bonus that I insisted on, not only for my trouble, but also to penalize TD. I emphasized my concern that many other people may be suffering from this same problem without knowing it. On the XX/XX/XXXX statement, my interest rate was close to XXXX lower than it should have been. The local branch manager gave me a credit that was about XXXX cents more than I was owed, as a bonus. My XXXX statement also had the wrong rate. It took some time to figure the cause of this error ; there were a few theories, but in the end, it was simply the same problem that my relationship savings account somehow got de-linked from my relationship checking account. This time I went higher in TD 's hierarchy to a XXXX Manager in XXXX XXXX XXXX XXXX, XXXX ) and recieved retro-interest that was a bit more than what I was owed, and I recieved a {$25.00} apology amount. XXXX XXXX also apologized profusely by phone and promised to launch an investigation. I told him that I was on the verge of contacting the government because I was so concerned about other unknowing victims. My dealings with him were XX/XX/XXXX and my XXXX statement was correct and contained the money he promised me. I just recieved my XXXX statement and again, my savings interest appears less than it should be ; it is .37 % ; which is less than the .4 % which has been the stable rate for many months. I can not confirm this because my type of account no longer appears on the website, but in this economic climate, I can not imagine that the interest rate, in fact, decreased. Yesterday, XXXX XXXX XXXX, I emailed my branch manager and left a voicemail for XXXX XXXX. No replies as of now. Even if this month I prove to be wrong, which I can not imagine, I would like your office to investigate TD regarding the proven problems which I have described here. I am very, very concerned about other people recieving less interest than what they are entitled to. I wanted to file a complaint sooner but have very limited bandwith and could not find the time and energy. Until now. I can follow up with TD each time this happens to me until I am fed up enough to close my account, which is a time fast approaching. However, the population needs to be protected. Even if TD 's errors are accidental, TD must be forced to fix its problems. I do not believe that I could be the only victim of such errors. I do believe that most people would not be aware of such errors and/or would not be able to resolve them on their own. Thank you so very much.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-10-04

Wonder Lake, IL

Closing/Cancelling account

Credit card:

Complaint: On XXXX/XXXX/2015, I called Target to cancel my Target REDCard. The agent I spoke to XXXX would not listen to my request to close my account. He refused to close the account and despite my many interruptions, he continued to suggest reasons why I should keep the account open. I continue to repeat my desire to cancel the account and he continued to ignore me. I put my husband on the line because I was too uncomfortable to continue the conversation. XXXX would not cancel the card for my husband either. He continued to ask for me to be put back on the line. My husband made it very clear that the card should be cancelled and only then did I get back on the phone. XXXX then proceeded to pressure me more to keep it open. I gave the phone back to my husband and my husband asked if we could speak with a supervisor and XXXX refused stating only that I could make the request, not my husband. Finally we hung up, called back and spoke with another agent. The new agent attempted the same route, but we were more forceful this time and did not allow he representative to do anything but cancel. We spoke over the agent with each continue pressure tactic and stated that we needed to cancel immediately. We had to repeat the request to cancel over XXXX dozen times to make sure the agent did not continue the refusals.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-03

Herndon, VA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-02

Staten Island, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

West Brandywine, PA

Unable to get credit report/credit score

Credit reporting:

Problem getting report or credit score
Complaint: TD Bank XXXX XXXX XXXX Bank NA ) REFUSED to provide my XXXX score and reasons for denial of a declined loan application. ( in violation of the Equal Credit Opportunity Act XXXX They only provided the toll free number to the credit reporting service XXXX automated system that could not provide any information ) XXXX/XXXX/2015
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-01

Medford, NJ

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-01

Batesville, SC

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-01

Discovery Bay, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : TD BANK XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-01

South Florida, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I would like to know if a bank has the authority to rearrange transactions in the consumer 's checking account after the funds is cleared in account? Or should the bank provide the consumer with correct, online, account information on all transactions made to the consumer 's account including pending fees?. What is the Consumer Finance doing to stop these banks from charging the helpless consumers from these excessive and unjust fees?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

Omaha, NE

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

Bronx, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-30

FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX XXXX 2015. I went to my local TD bank at XXXX XXXX XXXX XXXX. in XXXX Fl. I attempted to deposit {$220.00} in cash. The ATM returned only {$180.00} dollars. It asked me how much money was in my deposit. Since it returned XXXX dollars. I said {$40.00} it gave me receipt. I thought since the money was not organized the was the problem. I attempted the deposit again. Put in the remaining XXXX. And it gave me XXXX back. Asked again and they mistake. I said XXXX again. It was actually XXXX. The next day I went inside bank and informed them and they credited me the XXXX dollar difference. 9'days later. They took the XXXX dollar out of my account as if I did not make deposits. I have went to bank 3 times complaining. They hated filed dispute 3 times to no avail. It 's not much money mbut its my money. And I would like it back.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-30

Manassas, VA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-30

Melbourne, FL

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: On XXXX XXXX 2015 I noticed a charge using my debit card for {$380.00} dollars. I contacted my bank TD Bank and disputed the charge. The charge came from XXXX XXXX who I called prior to filing complaint and they advised me that they did not show me being charged this. I filed a complaint with TD Bank on XXXX XXXX 2015 and they reissued me another debit card. I explained to them at the time that I never authorized Direct TV to make any charges to my card outside of monthly bill that I would call in to pay for service. Any how TD bank sided with XXXX XXXX and that was that for them. After calling around I found out why I received the Charge of {$380.00}. Prior to having Direct TV I had XXXX who had poor service in my area and with me traveling all the time I returned all their equipment and discontinued their service. This happen on XXXX/XXXX/2015 and I did not start up service with XXXX on XXXX/XXXX/2015. The XX/XX/XXXX XXXX merged with XXXX and They used my debit card to cover this charge from XXXX again who I never authorized to use my debit card. This is like someone hacking your account and taking whatever money they want and the bank saying OK. First this is a XXXX bank who should be bending over back wards for Americans if they want to operate in this country. Second and for the third time I never authorized this charge and even if I did owe XXXX money this is an improper and illegal way of collecting it. I feel the bank needs to be fined along with XXXX and XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Colts Neck, NJ

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-29

North Bergen, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-29

Indian Mills, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-29

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: I went to apply for a line of credit from XXXX XXXX and I was denied because of derogatory credit that is not mine. Its a credit card issued by Target having a partial account # of XXXX in the amount of approximately {$540.00}. My purse was stolen out of my car on XX/XX/XXXX. Case # XXXX My best guess is that my info was used from this theft to secure this credit card from Target. Please help me remove this from my credit reports.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Linden, VA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Philadelphia, PA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX/XXXX/2015 I went to TD Bank at XXXX to withdrawl money thru ATM. I first tried to get {$300.00}, but I got messege that I was over daily limit which confused me since I had only made deposit earlier in the day. Since I got messege I decided to try {$200.00} and was able to get that and got a reciept which included my balance. I contacted the XXXX branch when I got my monthly statement and was told by Assitant manager they would look into it since they were having problems with machine. I just got letter saying they did n't find error and would not credit me. I find this hard to believe since I have reciept for my withdrawl and you would think a bank can add and subtract properly. I am looking at what courses of action I must take to protect me from this banks erroring ways so I am filing this official complaint, and/or filing theft charges against bank with police and hiring legal reprsentation to protect me.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-28

Belmont, MA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-28

CT

Credit determination

Credit card:

Complaint: Pulled credit report without permission.
Company Response: Closed with explanation

Disputed: No Timely Response