TD BANK US HOLDING COMPANY

2015-09-04

SC

Problems caused by my funds being low

Bank account or service: Other bank product/service

Complaint: TD bank would rearrange my transactions so they could charge me overdraft fees. I would have for example {$50.00} in the bank. I would spend XXXX on Thursday knowing I had a deposit going In the next morning. Get up the next morning get breakfast and spend XXXX. Much deposit goes in Friday morning and they would say I overdrafted. How Is it a overdraft when you have almost XXXX the bank. They have charged us thousands this year alone. How is this legal to take mine and my wives and my child 's savings as well?
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-04

Colts Neck, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I logged into my online banking account with TD Bank where I have a checking and savings account. I noticed there was also a credit card account attached to my accounts which I did not apply for. I called TD Bank and reported the credit card account. They transferred me to the credit card company where I closed the account. They then transferred me to the fraud department where I reported it. I was told by the credit card company that when I was at the bank on XXXX XXXX, in person, I applied for the account. I reported that though I was at the bank on XXXX XXXX I did not, nor did I authorized anyone to apply for an account.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-03

Lake Ronkonkoma, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-03

PA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: TD Bank has continued to manipulate accounts to insure added fees are accessed. I have been an account holder for 4 years and it has continued and I have called them on many occasions and they have refunded them however this year they have been active in refusing to refund the fraudulent charges
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-02

Dover, DE

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-02

Wesley Chapel, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: XXXX things are happening at TD Bank : First, they offer overdraft protection on checking accounts. They deliberately process transactions in an order that results in the highest fee. For example, if there is {$30.00} in a checking account, and a transaction for {$20.00} and XXXX for {$35.00} is put through. Regardless of which gets there first, they process the higher amount first and then the lower amount, creating XXXX overdraft fees. Also, they do not post overdraft fees at the time it occurs, but rather post it days later. So your online balance shows positive, but days later several overdraft fees are posted! And what you saw as a positive balance, really was not. I used the overdraft but have never had so many problems keeping my balance on the positive side!! And it 's the excessive number of overdraft fees that are being applied after the fact that is making it impossible. It took me a year to figure out why I was having so many struggles with my checking account. I am looking for a new bank. I realize that what they are doing may not be illegal, but it certainly is unethical. It is usury in disguise!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-01

Sanford, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-01

Jersey City, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Fort Pierce, FL

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-01

Lawrence, NJ

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Guthrie, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-31

Morral, OH

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-08-31

Clinton, MD

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-31

Ft Lauderdale, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: In XX/XX/XXXX I spoke with a representative of TD Bank after receiving a statement that an account I no longer used was incurring overdraft and maintenance fees. I told the representative that I no longer used the account and that it should have been closed for inactivatiy. The representative I had believed reversed the fees and closed the accouterments but I found out on XX/XX/XXXX that TD bank sent these accounts to their collection department and XXXX. I owe them no fees as I did n't use the account after XX/XX/XXXX. Called on XX/XX/XXXX spoke to representative name XXXX XXXX and she kept referring me to call a branch even after explaining they could n't help cause they would n't give account information over the phone.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-31

Jupiter, FL

Customer service / Customer relations

Credit card:

Complaint: After receiving my TD credit card statement, I saw a charge I did not recognize. It was a {$200.00} charge from XXXX. I called Customer Service at TD to find out what the charge was for. They told me they could not tell me as, although their records did show the charge, the record did not show the reason for the charge. TD told me to contact XXXX directly. I tried to call, but there was no number on their website I could find that was responsive to the problem. I called XXXX back and informed then of the above and said to put amount under " dispute '' until I was told the reason for the charge. On XXXX/XXXX/15 TD sent a letter ( attached ). XXXX responded by saying the {$470.00} charge was for XXXX. It is plain this was a non answer and I wrote to TD on XXXX/XXXX/15 ( attached ) so stating. Please note XXXX things ; first, I put " XXXX '' rather than XXXX because my company is involved in credit and it is so close, I put down the wrong name. The second is my PS. Asking for a missing statement. Nothing was received. There is a handwritten note at the bottom of the letter that, on XXXX/XXXX/15 reflecting I called XXXX at TD Customer Service to, again, get the missing statement and was told it would be sent. Not! I received a letter 0n XXXX/XXXX/15 ( attached ) from TD stating the merchant had issued a rebuttal and they were accepting it and putting that charge back to my account. You can see it is the identical " rebuttal '' sent in TD 's XXXX/XXXX/15 letter. On XXXX/XXXX/15 I received the enclosed XXXX/XXXX/15 letter. Interesting! I responded XXXX/XXXX/15 ( attached ) to see what TD 's response would be. There was no response. However, I did get TD 's last missive dated XXXX/XXXX/15 ( attached ) thanking me for enrolling my account and confirming the fact the first deduction will be on XXXX/XXXX/15. I called Customer Service and asked for copies off documentation showing I made such a request. They said they had none and would confirm that fact to me ( see XXXX/XXXX/14 letter attached ) Of course, there was no response to the letter or the promised confirmation. I am awaiting their next statement to discover their next move. I have paid all past charges on my TD statements other than the XXXX charge,. I will, in my next statement do the same. I do not consider the matter closed as my problem has not been addressed as shown by the above and attachments. Something foul going on with them on this matter.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-31

Birch Run, MI

Billing disputes

Credit card:

Complaint: Before I got divorce my ex wife ran up the target and XXXX credit card. The divorce accord said she would take all responsibility on the target card and I would assume the XXXX card. In the accord it said my name would come off the card and not being affected by the amount of money or the credit score The target card number is XXXX and would expire on XXXX. My court number is XXXX from the state of Michigan. So I would like to have my name and credit off the credit card. She has frozen the account and is making payments on a fix plan
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-30

Bay Hills, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-28

Colts Neck, NJ

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-28

Londonderry, NH

False statements or representation

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

Impersonated an attorney or official
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-28

Ridley Park, PA

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-28

Rockville, CT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-28

Katonah, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-28

North Bergen, NJ

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-28

Kiryas Joel, NY

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-28

Okc, OK

Other

Credit card:

Complaint: was put on a creditcard as other user but had my own card with same company and now its showing up on my credit report as bad credit when I never used it.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response