TD BANK US HOLDING COMPANY

2015-08-13

East Rockaway, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am submitting a complaint against Target Cause they continue to report a fraudulent account that I did not authorize to be opened in my name. They sold the account to XXXX XX/XX/XXXX and I was able to resolve the issue them and get the fraudulent account removed from my file. XX/XX/XXXX I put a complaint on Target and they refused to remove the account even though I have provided supporting documents with my claim. They proceeded to report to XXXX as if the Charge off was XX/XX/XXXX which put me in a worst predicament than I was. I am requesting for this fraudulent account to be removed from my file. I have sent them my police report and the letter from XXXX XXXX XXXX which I am going to attach to my complaint as well.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Bronx, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Spfld, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Manhattan, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-12

Broomall, PA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-12

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-12

Kosciusko, MS

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-12

West Newfield, ME

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Seattle, WA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Franklin Lks, NJ

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Buck, PA

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: I became behind on payments due to financial hardships, TD Bank began calling me XXXX times a day everyday. I clearly stated to the representative that I was enacting my rights granted under the guidelines set by the FTC for them to cease contact immediately. TD Bank continued to call me XXXX times daily for months until I finally was able to make them remove my number from their calling list last month. Now they have turned the account over to XXXX XXXX who has began calling me daily. I spoke to a representative yesterday XX/XX/2015, and informed them I was under a do not call list, and verified XXXX times that they were removing me from their calling list. Today,XX/XX/2015, XXXX XXXX contacted me again to collect the debt. I spoke to a supervisor who identified herself as XXXX ( sp? ) And informed her that I was to be put on a do not contact list, she then stated there is no record of this request. After I informed her a third time that I was to be removed from the calling list, she still attempted to collect payment after I stated that I did not feel safe making any transactions over the phone with their company.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-08-12

Cranston, RI

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-08-11

Lakeland, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Manhattan, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Blackbird, DE

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2015 my debit was hacked from an offline vending machine. At various time after my original purchase at the vending machine charges authorized. Over {$500.00} in cash has been removed from my account. I was informed by my bank that an investigation after the charges post could take any where from 7-10 days and they are not sure why but that is their processes. I have been a customer with this bank for several years close to a decade and up until now my cash has not been put back into my account. I have called several times to see what someone can do but they say it is because they are scripted to advise me it could take 7-10 days but it may take longer. I feel as if I was robbed of my money my hard earned money and my checking account bank can not help.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-10

Manhattan, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-10

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Bronx, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: There was an unauthorized use of my debit card on XXXX XXXX, 2015 @ XXXX. at XXXX located at XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$41.00}, transaction ID XXXX. A second attempt was made for a larger amount, but was declined. My debit card was not lost or stolen so I canceled this card on XXXX XXXX. The only time I used my card on XX/XX/XXXX was at XXXX in the XXXX XXXX XXXX in XXXX, NY. I noticed the charge when I was checking my online account and I immediately contacted my bank.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-10

Stilesville, IN

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-10

Washington, DC

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-08

Havana, FL

Billing disputes

Credit card:

Complaint: On XXXX/XXXX/15, I logged into the online financial service that TD Bank has made available for payments. I noted that my account had been debited for {$25.00} on XXXX/XXXX/15. I contacted TD Bank customer service via telephone and spoke with XXXX, employee # XXXX, on XXXX/XXXX/15. XXXX indicated that because my due date fell on a weekend, Sunday, XXXX/XXXX/15 and I had not made a payment prior to close of business on the preceding Friday, XXXX/XXXX/15, that my account was automatically charged a late fee of {$25.00}. They did explain that the late fee was not valid and would automatically be reversed if I make a payment by the due date. However, my account still exhibits a notation that my payment was late and notates a late fee even though my payment was made and credited to my account prior to the due date. Neither the card holder terms and conditions, or the online service terms and conditions make customers aware of this practice. More poignantly the card holder terms and conditions and the online service terms and conditions provide that payments made by XXXX on weekends and federal holidays will be credited to the account the next business day and that payment shall not be treated as late, at least as it applies to mailed payments. I expressed my concerns about this practice of preemptively charging customers late fees to XXXX, to which he replied, " that is just the way the system is set up. '' I explained my intent to file a compliant with a regulatory agency if the practice was not addressed, but XXXX was not moved by this. Although these entries as " late '' are not reported to credit reporting agencies, as far as I know, the bank is still knowingly making false entries on customer accounts regarding their payment punctuality. The practice of preemptively charging customers late fees, with or without the intent to automatically reverse the charges, is inconsistent with what is fair, reasonable and in keeping with the card holder terms and conditions intent of the application of payments. Records of late payment should only be made when a customer does not pay within the the terms and conditions as outlined in the card holder terms and conditions. I have conducted a review of my account and found that this is not the first instance of this event.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-08

Cocoa, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: This account was closed when the vehicle was repossessed XX/XX/XXXX or XX/XX/XXXX. The ex husband rook on the loan in the divorce and has since filed bankruptcy. It was included in that bankruptcy. This is not an open account and the car is no longer in my possesion. Please remove as an open auto loan and include in the ex husband 's bankruptcy. Please remove from my report.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-08

Boston, MA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I have try to contact XXXX funding about an account that shows on my credit report they are unable to give me information about this account when I asked about it, I just get a run around saying I need to call another number and when I called that number no one ever answer. I have spoken with Target Card Services and they do not have anything in there computer that says I owe them any amount of money. So XXXX needs to stop reporting this incorrect information.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Cloverly, MD

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: I was pre-approved for a home loan by TD bank by XXXX XXXX their loan officer. I proceeded to look for a home with my realtor and when we finally found XXXX and our offer was accepted it was about XXXX dollars less than what the bank offered to us. During the process we were required to pay for the appraisal and inspection for the home. We also gave the bank our deposit. They gave us a conditional approval letter which I believed was unfair since it requested to pay for a cosigned student loans that were not mine. When they realized that and requested the documentation of that it was indeed a cosigned loan, i provided all documentation they asked for. I also did everything else they asked for like taking the home owner class and opening an account with TD bank. After verifying income and employment again and calling my job requesting the same paper work from them again, even pulling me out of meetings, I was told over the phone by XXXX XXXX and my realtor was also informed as well that " I have the house ''. There were multiple closing dates that were moved for XXXX reason or another but as we were guaranteed to move into closing I had given my current apartment notice that they required before I vacate my apartment.The closing was supposed to happen in 2 days and I hadto be out of my apartment in a week when I get a call from XXXX XXXX that I do n't have the loan because they do n't like the amount of hours I 'm working. To me this is crazy because the information about my work they had since day XXXX almost 3 months ago. To waist my time, money and energy and cause extreme emotional distresssince I was left homeless to scramble to find a place to live in a week. That call was the last time I heard from them with no real explanation and its been 2 weeks with no official letter or call. There is no justification is to mislead and discriminate against me claiming information you had from the beginning about my income which was obviously enough to get me the pre approval along with my credit and to even call and tell me that I have the loan as well as my realtor. To lie to me, give me false hope which i made decision based on and that concern my life and my family 's on is horrific! To be at the finish line and to pull the rug out from under me is a disgrace!. I believe that their decision was based on the fact that I am a Woman and a minority. There is no justification to excuse what TD bank has given. They should be refunding every expense that I had to make with regards to this messy situation, our deposit, the appraisal which we never got the report from them on, the inspections, the moving expenses and the realors fees etc. I am out of a place to live which I loved. TD bank needs to do whats right for what they did. Shame on them.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-07

Trenton, NJ

APR or interest rate

Credit card:

Complaint: 1. The credit card is misadvertised at the first beginning when I wassold to apply for this card. I was told it 's a 0 % interest card forthe first 12 months and then 28 % APR. The sales and the customerservices keep using the language the interest is " void '' to mislead itscustomers, and in certain way allure and motivate people to open thecredit card, even I had the full cash to pay for the goods at the timeof purchase. 2. TD Retail Card Services did n't send me any notification about whenis the deadline of paying the balance in full. I understand yourmonthly statement says the promotion expiration date, which is XXXX, 2015. However, the statement of XXXX XXXX to XXXX XXXX did n't statethe interest deferred to be added on the current balance ; thestatement of XXXX XXXX to XXXX XXXX did n't state the interestdeferred to be added on the current balance either. These statementsdid n't demonstrate that the expiration date is the actual deadline ofpaying off the current balance in order not to incur any surchargeevent. 3. I paid in full for my previous balance of {$6400.00} on XXXX XXXX, 2015. 4. 28 % APR is way too high for any standard credit card. The APR isaveraged at 15 % in the United States. What kinda of business wouldoffer such a high APR and 0 % interest rate in the first year at thesame time? I am suspicious about the misconduction of credit businessand I would encourage for further investigation of their customerbase, since I believe I am definitely not the only one who wasmislead, confused by their business.
Company Response: Closed with explanation

Disputed: Yes Timely Response