TD BANK US HOLDING COMPANY

2015-07-15

Ridgewood, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-15

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I have a debit card with TD Bank. I have been charged for overdraft transactions that I have n't agreed to. The reason for the charges, as they explained me at the bank, was because the check I deposited was not cleared when I proceeded to use my debit card. As such, I was charged the amount of XXXX dollars each time I used my debit card during the time my account had XXXX funds available ( XXXX dollars in total ). As a debit card holder, I assumed that I would not be able to proceed to transactions when my debit card has XXXX funds. I never agreed to such charges or the service provided as a " courtesy '' from TD bank as the employer of TD bank told me. Important to note that when I opened my bank account ( at XXXX, XXXX location ) they did n't point out that such a service is provided for my account. To me, this does not seem as an implied term, but rather corresponds to misleading information and unjustified enrichment by the part of the bank. The purpose of having a debit card was exactly this, to avoid overdraft charges!!! While using my debit card I was not aware that I did not have enough funds and I did not consent to any overdraft charges.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-15

Phoenix, AZ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Manhattan, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Ocklawaha, FL

Delinquent account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-14

Carpolis, PA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-07-14

Kent, WA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-13

Chester, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-13

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

2015-07-13

Brookside, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-13

Grangeville, LA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Submitted previous complaint # XXXX regarding an additional {$120.00} promotion fee of which we were not made aware of. Your office told me that TD Bank N.A agreed to waive that fee although they never contacted us. Today via letter our account was closed " due to inactivity '' although payment was posted to our bank XXXX/XXXX/15 and XXXX pmt due XXXX/XXXX/15. Internet reviews unbeknown to us describe tactics such as this XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-12

Chemehuevi, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Bought a lemon Smart Car from XXXX. Six months later needed tires and XXXX did not cover under warranty. The loan was with TD auto Finance. I filed bankruptcy and the loan was included in the BK which was discharged on XX/XX/2013. On XX/XX/2013 I voluntarily surrendered the vehicle. TD auto Finance is showing on my credit that I still have car payment.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-12

PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: For the last three weeks I have been getting letters from Target for collection of moneys owed. I do not nor ever had or applied for a Target credit card. The name is the same as mine, but speaking to a rep of the co?? the last XXXX of the license numbers are not the same. Also bank refused pay on checks. So they know this person is not me. I 'm in XXXX and the acct is in XXXX.Refuse to give out any personal info of mine as it is not my debt.I would appreciate any help at this time to resolve this matter.Hoping to hear from you soon. Thanking you in advance.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-12

North Hollywood, CA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Dear CFPB, I would like to complain to you about TD Auto violating the law by reporting inaccurate late to my credit report and my wife 's credit report for errors that were caused by their unintelligent and unhelpful agents. We had purchased a vehicle ( vin # XXXX ) in XX/XX/XXXX which was closed and paid full on XX/XX/XXXX. around XX/XX/XXXX they failed to deliver statements our residence and proceeded to charge us {$47.00} without notifying me or contacting us. I called and disputed that late charge on the grounds that i had NOT received my statements for that month and they informed me that they would reverse the fees and would not report a supposed XXXX day late to the credit bureaus and yet we never received that late reversal and unfortunately they reported the XXXX day late to the bureaus, even though i called them XX/XX/XXXX to inform them that i had not received a statement so I informed them that I would send both payments together with the next statement, which was approved by their management considering it was a mail/bank error. Then again, XX/XX/XXXX I failed to receive a statement again and my wife called TD AUTO FINANCE to inform them that a statement was missing and we wanted to avoid charges and lates so we processed the payment just before the XXXX Day mark over the phone with XXXX, a TD Auto representative. She took our routing and checking number and said that the payment was processed and the funds would be removed within XXXX business day and no fees or reprted late would be incurred and she apologized for any inconvenience. But, for XXXX week i monitored my checking account to watch and see when the funds would be removed and they never were so after a week my wife called them again and asked for a manager by the name of XXXX. He proceeded to tell us that the payment was never processed and we were furious at their, yet again, lack of notifying us. Instead of notifying us of this issue they proceeded to charge us over {$200.00} in late fees and reproted us as XXXX days late, AGAIN, to the credit bureaus! W are so frustrated and we are still fighting this XXXX years on. We have written numerous letters and to different departments and they claim that though it was a bank error and an agents error they can not refund any fees or remove the XXXX XXXXXXXXDay lates reported on our Jeep 's installment loan for XX/XX/XXXX and XX/XX/XXXX. We are so frustrated and heartbroken and in the last XXXX days have done everything under the sun to receive help and TD auto continues to claim they have no information available to help us as everything is in " archives ''. That is so unprofessional and my wife and I have been ignored and our messages have not been returned and there has been no proof, investigation or information provided to us on their behalf. This is absolutely devastating to us and we are, XXXX years on, unable to obtain any more installment loans because of how TD Auto has handled our credit reporting, even though they apologized and promised no dates would be reported. We have lost over {$270.00} in unnecessary late fees that have made paying our minimium extremely difficult & insane. I believe that TD Auto is taking advantage of their clients and not providing correct, accurate or timely information when requested and keeping consumers in the dark when it comes to late fees and notifications of problems with processing payments and things of that nature. We do not deserve these bad marks on our credit report, this was a joint installment loan and neither of us are able to recover from this and now we have XXXX little babies and we can not finance anything because of TD Auto 's half truths and unprofessional and uneducated agents over the phone. Please, can someone help us? They refuse to work with us on this matter.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-11

Fort Lauderdale, FL

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-11

Edmonds, WA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-11

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Have had TD Bank XXXX checking for XXXX years maybe XXXX from XX/XX/XXXX til XX/XX/XXXX. What made me breakup my relationship with them is that, usually when I deposit a check, I have either 50 to 70 % of that paycheck available and onetime I when to buy transit fare, they charged me for overdraft despite the money was there and available, this continued XXXX or XXXX more times without my balance ever dropping to {$0.00} balance. The fee 's would multiply and pop-up and cleaning me out. So I tried cutting my ties and these ridiculous penalties they pressed upon popped up and I was n't happy and just opened another account with a local bank. They closed my account after a week or XXXX without me being able to settle and I was reported to XXXX. I settled my balance with them after a month but I can not open any new accounts, not even with my wife 's name attached as a joint holder. I just moved and my current bank is nowhere near my home and i have to spend either XXXX minutes to an hour after my XXXX shift to deposit or withdraw funds or wait til I 'm visiting my sister 's home and making a quick stop to check my account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

Orange, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-10

Glen Burnie, MD

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-10

Round Rock, TX

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX XXXX XXXX XXXX has not provided proof ( written documentation ) of assigned ownership of account ( validation ) and continues to report a collection past the statute of limitation. Agency has not provided appropriate documentation to show how and where such collections have come from as it relates to the original loan in an itemized statement. No itemized information about proof of last activity date was provide to me. XXXX XXXX XXXX has fraudulently changed 1st and last activity dates on my credit report after the 7 yr statute of limitation.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

Clementwood, VT

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-10

Patterson, MD

Late fee

Credit card:

Complaint: Here 's the short version ( the detailed version is in a letter I will attach ). In XX/XX/XXXX I was talked into taking out a " Redcard '' credit card at a Target store. I was told that the credit card would entitle me to a small discount on my purchases and also a free XXXX coffee that day. After filling out an application in the store that day, I was given a paper receipt good for a short time as a temporary card and told that they would mail a credit card to my home address ( which is a house my husband and I own, that I have lived at for many years ). I used the card that day to buy items. I never received the card and also never received a billing statement which I expected to appear around XX/XX/XXXX given the timing of my purchase. When I had not received the billing statement by XX/XX/XXXX I called Target. I had a very hard time making contact by phone with their card representative ( the card website and chat were down or people told me they could not help me ). When I reached a live person I discovered that I not only owed the cost of the purchases but had been hit with an additional XXXX dollar late fee for not paying the bill, which I had also never received. That day in XX/XX/XXXX, I paid the entire bill and closed the account since I had never gotten the card or the billing statement and was afraid that I might be hit with more charges. The customer service person who closed my account tried to talk me into keeping it open saying they " might '' be able to waive the XXXX dollar late fee but since it was n't a sure thing and I had no idea where my card or bills had gone I did not feel safe keeping it open. After I closed the account, I learned that the company is required by law to send you a bill within a certain time and if you do n't get it then you are within your rights to complain, so I sent them a long and detailed complaint asking that they ( a ) refund the XXXX dollar late fee, ( b ) refund any interest they charged on the purchase beyond the XXXX billing cycle ( as I normally pay off the bill when I get it and never even had a chance to do that - I could not even use the temporary piece of paper to open an online account to check balance, I never knew my card number because it never came ) and ( c ) remove any harm to my credit report from this situation. I am NOT disputing the amount for the items I bought in XX/XX/XXXX, I 'm happy to pay for those, but I 'm angry that they did not send me either the card ( which after a certain number of days, meant I could n't get the discount I was promised shopping at Target as I needed card in hand for that and they could n't just look up the number ) or a bill until interest AND a late fee had already racked up. I received a response from Target to my complaint basically blowing me off and saying " we sent it to your address on record so we 're not waiving anything ''. So in a nutshell, I never got the discount I was promised, never got my card, and was charged a late fee and interest on top of my purchase price because their card and bills never reached me. I have no idea why it would not have reached me, except that there are XXXX streets with same name as mine ( XXXX XXXX. ) in XXXX area and occasionally our mail has been misdirected to XXXX of the other streets or we have gotten mail for XXXX of the other residents. I really feel ripped off because other than a free XXXX coffee I got NO benefit from this Target card and it seems like it was just a scheme to never send me the card for the discount and then rip me off. I hope you can help me. I am going to attach the letter I wrote Target about the situation. Although this is n't directly related to the complaint, I 'm especially upset because in XX/XX/XXXX and XX/XX/XXXX my mother has been seriously ill and nearly died in XX/XX/XXXX and I do n't appreciate having to hassle with a credit card company over something as simple as this right now.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-10

Jersey City, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: TD Bank hit my account with over {$200.00} in over draft fees unfairly for {$10.00}. My TD bank phone app showed me that I had funds in my account so when I needed to purchase something I did. The next day the TD app showed me that I was over drafter by {$10.00}, I went into a TD branch the same day which was a Sunday where a banker told me that because it was a weekend I had until the end of the next business day ( Monday XXXX to make a deposit before I received an over draft fee.So I made a {$60.00} deposit, my account should have evened out, yet by Monday afternoon they charged me {$100.00} in fees for each of the transactions made over the weekend which only totaled {$10.00}. When I called customer service they were of no help, I explained to them that I made a deposit in my account on Sunday before the next business day as their policy states so I should not have been charged with the OD. But the rep told me that there was nothing they could do for me, given that my account was over drafted due to their fees, I was unable to use it so I was shocked to find out that TD then charged me an extra {$35.00} OD fee for an attempted charge on my account. I apparently had an auto transfer set up for my savings account, which was attempted but not successful since I no no funds in my account. Yet TD still charged me {$35.00} for the attempted transfer which I explained to them was automatic and that I was n't aware of. It is n't fair that I have to pay a fee because someone else tried to debit my account and they did not honor their own policy of not charging me an overdraft fee until the next business day. So they have now succeeded in charging me {$220.00} in fees for being over drafted {$10.00}, that is beyond excessive. When I went into a nearby TD branch, the banker told me that they charged me because I apparently had Over draft protection on my card which allows transactions to go through even when funds are low. I told him no one ever explained to me how the over draft protection worked. Why in the world would I want purchases to clear on my card if there were no fund and I had to pay fees for it later, that just makes no sense and I would never agree to such a thing. They mislead people with that program. They also charged me over draft fees for 2 purchases I made on a Thursday when I had funds in my account, however TD charged me for the purchases the following Tuesday. When I complained, the customer service rep told me that TD reorders your purchases, so the highest amount gets cleared first before the lower amount. This is beyond absurd, so they basically held my purchases from thursday XXXX purchases I made when I had money in my account ) and waited till I made new purchases and reordered them. So purchases made later where processed first because the amounts were higher and XXXX proceeded to charge me for the thursday purchase the following Tuesday. This is an unfair practice, when I purchase something on my card I expect it to go through right away, not held until I make a larger purchase and reordered. This is ridiculous and is how they put their customers into Over draft so that they can collect fees. This is the worst bank ever, its one thing after the next with them and their customer service is never helpful. I 'm just sick and tired of them taking advantage of their customers. I am definitely closing my TD account as soon as I get this situation sorted out. It just is n't fair.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-09

Washington, DC

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-09

Hamilton Grange, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response