TD BANK US HOLDING COMPANY

2015-09-28

Bedford, TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am a victim of identity theft. A target national bank account is appearing on my report that does not belong to me. after multiple disputes, and requests for verification, this company has refused to respond with any information on this account.
Company Response: Closed with explanation

Disputed: Yes 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

2015-09-27

NC

Advertising and marketing

Credit card:

Complaint: i applied for a TD bank credit card. was promised a {$200.00} sign on bonus if i spent {$1500.00} in the first 90 days. i did my part. the bank is not giving me the {$200.00} they promised
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-27

Boston, MA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I recently purchased a new car, and received bank financing through the dealership. During the sales process, the dealership gushed about my " excellent credit '' and made it a point to emphasize the 0.9 % financing I would receive. So, I was very surprised to now see the rate listed at 3.89 % on my bills. ( I would also note that my carbon copy of the financing agreement, provided to me by the dealership at the time of sale, was NOT EXECUTED by anyone from the dealership. )
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-26

Anaheim, CA

Closing/Cancelling account

Credit card:

Complaint: I was reviewing my credit report and found a chargeoff for {$21.00} was reported, along with 60 months of XXXX 's for {$21.00} balance. I do n't have any record of them contacting me collections or otherwise. I feel like they may have bad email address and were only sending email notices. I was sure I had closed this account and had no balance.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-25

Park, VA

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

Montgomery, MA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-25

Delray Beach, FL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-25

Manhattan, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

San Tan Valley, AZ

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

Succasunna, NJ

False statements or representation

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

Impersonated an attorney or official
Complaint: On XX/XX/XXXX a person named XXXX XXXX called from XXXX XXXX XXXX XXXX stating that I owed XXXX to TD BANK and that he was an attorney hired by the bank suing me from this amount owed XX/XX/XXXX. He said that I would be served papers from XXXX XXXX XXXX. The same company also contacted my family member that I do not live with stating the same, that they would be serving papers to her home if I did not contact the company right away. XXXX XXXX said that there was a pending lawsuit out against me but that I could settle for {$310.00}. He also told me that the amount was reported to my credit report which it is not and that they have tried to contact me back in XXXX also not true. I gave him my credit card number and he said he would be emailing me a contract to sign. I did receive the contract with the address XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I decided to XXXX the company XXXX XXXX XXXX and it gave me the name XXXX XXXX XXXX, a fraudulent company. I immediately called TD Bank, I spoke with XXXX, she stated that they do not use that company to collect debts and that I did not owe XXXX. I do however owe {$110.00} from an overdraft that happened XX/XX/XXXX. XXXX XXXX called me today XXXX because after I found out I canceled my card. I told him I knew they were fraudulent and that TD Bank said they do not use them for collection attempts. He told me that was incorrect. They called my aunt stating they would be serving her papers because she is the custodian of the account and would have to pay. I then called the company back and the receptionist simply told me that " The firm was declining my call and would not speak to me. ''
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

Jupiter, FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Checks on my account were counterfeited and forged and the bank TD bank refusesto refund monies and the overdraft fees associated with the forgery
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-24

Rocky Ridge, MD

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have a Target credit card that I got behind on this year due to a layoff. In early XXXX 2015, I received a voicemail from their attorney XXXX XXXX XXXX. I called back and spoke with a rep who advised me of a payment plan I could sign up for. It called for payments of {$66.00} a month with the first payment due later that month. I advised I would like to sign up but told him I 'd have to call back because I did n't know the exact date I wanted to make the payment or which bank account I wanted to use. I did not advise of any bank account during the call or authorize any payments to be set up. He said ok and I advised I would call back. Money situation remained tight and I knew I could n't make a payment that month so I wanted to see how my situation was in a few weeks and did n't call back. I checked my XXXX XXXX XXXX account yesterday and noticed a {$66.00} payment had been processed and was returned by the bank because my account was already in the negative. I was charged a {$35.00} nsf charge for that payment. I do n't understand how Target and/or XXXX XXXX XXXX could take a payment from my account without any authorization from me. This just makes my bad financial situation even worse. I absolutely did not authorize any amount of payment to be automatically taken from my account. The check image in my checking account shows a {$66.00} payment drafted with Target 's name on it. I absolutely did not schedule any payment on Target 's website and with the payment being exactly {$66.00} I would assume the rep from the attorney 's office told Target that I would make the payment and they decided which bank account to use. I am very upset with both companies for trying to take a payment and I do not authorize them just setting up any more on their own. I want to make some sort of payment arrangements but at this point have a hard time dealing with the attorney. Being attorneys they should know what they have done is unlawful and needs to stop. If there is some way of looking up the recording of me speaking with the rep from the attorney 's office it will prove I did not authorize any payment and was never given the option to advise exactly when I wanted to make the payment, which bank account I wanted to use and I surely was not given any sort of confirmation number. Thank you.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-24

NJ

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: I share a student savings and checking account with my niece who at the time was working XXXX part time jobs and a very good student. also practicing cheerleading for her school. She read on an instragram where she can make money. When she inquired with the guys that ( she did n't know / strangers ) set up the link she asked what she had to do and if it was legal. She was told that they needed her bank information and debit card. They also told her it was legitamit business and advised her money was to be put in her account but to show they did n't need her money and to prove this was n't a scam to take her money out of the account. She also asked whose money would go in and they said they had money investors. She asked them would it be checks or cash they did n't tell her just advised her again it was legal. The guys advised her these money investors for tax reasons had to spend so much a year and to meet some type of quota. She believed it was legal and met with this guy and gave him her debit card and texted her passwords user id and password for debit card after she took her money out of the account. The guy or guys went to the ATM MACHINE and deposited XXXX checks payable to my niece marked gifted in memo. The back of these checks were endorsed by the guy making the deposit into her savings at the ATM ( XXXX checks in the amount of {$780.00} each ) = {$1500.00}. Then the guy deposited XXXX more checks endorsed by him in the amount of {$780.00} each = {$1500.00} into my nieces checking account. A total of XXXX checks forging my nieces name marked as gifts payable to her. These deposits were made on XXXX/XXXX/2015. At the time of the deposits they did a withdrawal of XXXX. On XXXX/XXXX/2015 the guy did XXXX transactions. a online money transfer of {$300.00} and also a ATM withdrawal of {$600.00}. On the XXXX the guy made a ATM withdrawal of another {$600.00} from the ATM. He also went to XXXX IN XXXX NJ where he made XXXX purchases at the self service cashier and with each small purchase made a cash withdrawal of {$200.00} ( example XXXX item {$1.00} + {$200.00}. = {$200.00} ) On XXXX/XXXX/2015 my wife went to check something on our account and noticed that the savings and checking account shared by me with my niece showed negative balances and insufficient funds so we called the bank. They advised us of these purchases and we also advised them my niece was in Pa at cheerleading camp so she could n't have made deposits or withdrawals. We also went into the XXXX XXXX branch where they viewed the checks and the signatures and went into a file and viewed my signature card and my nieces showing not even close just scribbling. When we became aware of the fact my niece gave them all her info and card we went to the XXXX XXXX we told them the checks deposited were not either endorsed by me or my niece they got in touch with the fraud department on the phone the fraud department told us even though the checks were forged no fraud was committed because she gave them the card and info and we have to pay this back. We also asked them why that much money was allowed to be withdrawn when the funds we not cleared the bank managers told us it was done as a favor to us because we were long time customers of the bank. When my niece got back from Pa we went and filed a report and charges. The police arrested XXXX guys XXXX a minor from XXXX ( let out into his mothers custody ) the other guy from XXXX of age was let out on bail. The police got the ATM camera photos from the bank. Also we do not understand if a person is giving a check for a gift why write out XXXX individual checks to the same person in the same amount when you can just write out XXXX. We have received numerous calls from collection and after almost a month I was told by the girl i can file a complaint form for the forgery and some type of XXXX XXXX form. I also called my lawyer.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Bronx, NY

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: On XXXX XXXX XXXX this year I made a donation in the amount of {$1000.00} dollars to XXXX XXXX XXXX XXXX, TD bank mistakenly deleted my account in the amount of {$10.00}. I contacted Td Bank on XXXX at XXXX a.m. I spoke to a woman named XXXX. She advised me in 3-5 business days the remaining {$990.00} dollars would be debated and corrected. On XXXX I spoke to a man XXXX who stated the matter had been corrected and he would send me a canceled check I should receive in 3-5 business days. The check number XXXX, the number I called to speaks to all these individuals was XXXX XXXX. On XXXX XX/XX/2015 I received a letter stating the {$990.00} was debited from my account. I called XXXX XXXX and they had not received the balance of {$990.00} dollars as of XXXX XXXX. I called Td bank at the number in the letterXXXX XXXX, the letter was sent from : Td Bank XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. I spoke to a woman named XXXX at XXXX [ XXXX XXXX on XX/XX/2015.She said this would take a month to resolve. This is totally unacceptable.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-24

South Florida, FL

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I am disputing a credit charge from XXXX XXXX in the amount of {$890.00} .On XX/XX/XXXX, I entered in to an agreement with XXXX XXXX giving me a 24 month grace period ending in XXXX I have been trying to correct this error with XXXX Research Specialist TD Bank which provided the loan. I have emailed her left messages on her voice mail, with no response.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Nyc, NY

Billing disputes

Credit card:

Complaint: My Complaint is regarding an extra {$12.00} charge that Target .com placed on my Target Credit Card when they sent me not XXXX pkg of XXXX XXXX Towels but XXXX pkgs of XXXX XXXX XXXX & I refused XXXX accept the Extra XXXX pkg from XXXX and the Paper Towels were Returned and was Received by Target Dock and sign by XXXX.Target has inform me that they wo n't refund the extra {$12.00} which I believe is illegal.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Cary, NC

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-23

Flushing, NY

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-23

Bridgeton, NJ

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-22

Allentown, PA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: XXXX XXXX XXXX ( Mortgage Loan ) and TD Bank f/k/a XXXX did a loan with my fraudalent mortgage loan and TD Bank cashed my check to mortgage officer without my knowledge. I have submitted a civil lawsuit in 2012 and nothing has been done at all. No response, no action has been taken on the situation. The amount of the check was {$120000.00} ( supported document attached ). XXXX XXXX XXXX approved a loan that should of never been authorized by the false documentation submitted on the application. XXXX at XXXX XXXX XXXX XXXX XXXX Pa had felony convincts who were working undercover on the mortgage loans ( under house arrest ) without our knowledge and did ponzi schemes, wire fraud, mail fraud, money laundering, racketering, theft by deception, theft with dishonety, bad checks, theft by disposition of funds, ( XXXX ) this felony convinct has been caught in XXXX different counties if Pa. as well. XXXX XXXX XXXX XXXX ) same charges as well. XXXX XXXX XXXX & TD Bank have not responded with any remorse for their actiions.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

Bronx, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: Am Having A Problem With My Bank Account i Lost My Debit Card There Where Some Transaction Made On My Account That I Did Not Authorize Please Help Me Resolved This Issue i Made A Claim With TD Bank on XXXX XXXX for {$41.00} $ XXXX Fee {$170.00} i did not made this transaction and the bank According to the bank investigation. they saying that the charges are valid and that this transaction are all valid. and the bank denied to credit the transaction please help me resolved this issue i use this account only for SSI Social Security Direct Deposit. and the account right now has a negative {$190.00} and i did not made this transaction and i also made a police report for this problem.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

Blue Island, IL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-22

Bethpage, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Woodland, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response