TD BANK US HOLDING COMPANY

2015-07-31

Batavia, IL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Gloucester City, NJ

Other

Credit card:

Complaint: I was a victim of identity theft. Someone tried to apply for an Target card in my name. When I noticed the inquiry on my credit file I notified Target thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Target.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-30

NJ

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2015, I received a call about irregular activity taking place with my TD Bank debit card on XXXX XXXX, 2015. I was n't aware that I was missing my debit card until that time, and I confirmed with them which transactions were made. They told me I had to wait until those transactions posted for me to file the dispute, which I then did as each of the XXXX items posted. First item was a {$400.00} transaction at a pharmacy. The XXXX item was a {$220.00} charge at a restaurant in XXXX. The third transaction was at a XXXX for about {$4.00}. The fourth was another XXXX XXXX transaction for about {$3.00}. And the last was a {$16.00} cab ride in XXXX. All happened on the same day, but posted at different times. They immediately closed the card though. On XXXX XXXX, I called to check the status of the dispute, and found that the bank rejected the claim. The reasons for the denied claim were : 1 XXXX The transactions took place within XXXX minutes of an undisputed transaction ; 2 XXXX there were no attempts to use the card after it was closed ; and 3 XXXX my history at one of the terminals. Now, I am taking a board review course in XXXX XXXX, NY. 19 minutes within XXXX XXXX could be anywhere in XXXX, XXXX NJ, the XXXX, XXXX, or XXXX. Also, all the transactions were done on the same day, which was the XXXX, though they each posted on different days. Just because the thief did n't attempt to use the card the next day, does n't mean that it was n't fraudulent. Is it inconceivable that this person knew that they only had a limited window of opportunity to use the card? Lastly, just because I used the card at one of the same locations, does n't mean that it could n't be used at that same location. I used it for a {$55.00} transaction a day or two before at XXXX XXXX pharmacy. The fraudulent transaction at the same location was for an amount of {$400.00}. I 'm not sure how or why that could be held against me and validate a rejection of a claim. Anyhow, after the first rejection, I filed a police report. Then I resubmitted the fraud claim, and it was denied for the same exact reasons. That is why I 'm contacting the consumer financial protection bureau. Please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Conway, SC

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Raymond, NH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Orlando, FL

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Farmington, CT

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Bohemia, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Bangor, ME

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-30

WI

Customer service / Customer relations

Credit card:

Complaint: My current credit report is showing that I have a Target Credit Card open that has never been used. However, I have never had a Target Credit Card. Target can not find any card under my name and is refusing to remove the card from my credit history even though they can not find a card registered under my name. Because I have never actually had a card with Target I do not have the full credit card number with which to reference what is showing up on my Credit Report. I would like Target to remove the credit card they have listed on my credit report as they have no history or documentation of me ever having had a card with them. Even though I do not have any outstanding balance this card is negatively affecting my credit.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-29

Wallington, NJ

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-28

Desoto, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-28

Roselle Park, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-28

S Plainfield, NJ

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-27

Colts Neck, NJ

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-27

Gloucester City, NJ

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-27

Albany, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

MA

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I have a savings acct with TD bank since last year my average balance has been XXXXOn XX/XX/XXXX I went to the drive up part and withdrew {$480.00} from my savings accountOn XXXX XXXX th I received letter from XXXX stating my accounts were being leviedI have received three letters from TD saying I owe them the {$480.00} because they sent {$480.00} to XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-26

Jacksonville, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-24

Lenola, NJ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-24

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-24

Ft Lauderdale, FL

Using a debit or ATM card

Bank account or service: Checking account

Complaint: There was an erroneous charge on my TD bank account ( amount charged was {$190.00} and should have been {$1.00} for a rental agency who did n't deliver what was promised ). I went in to TD to dispute the charge and was told once the dispute was resolve in my favor, I would receive all of my OD fees it caused due to the erroneous charge. I told them that until it was solved, I would not place another dollar in the account. It took them 4 months to resolve ( in my favor ) and they have since closed my account and are not awarding me the fees that were promised to me by the members of TD Bank. They have stated that I can not open another account with them. It took them well outside the timeframe to resolve my chargeback dispute and I also did n't receive the correct fees. I was informed by the manager that TD bank had dropped the ball but because my account was now closed, there was nothing that could be done. I am also looking for an attorney and contacting XXXX as well in regards to these shady practices.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-24

Centerville, NC

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-23

Laurel, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-23

Camden, NJ

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response