TD BANK US HOLDING COMPANY

2015-07-09

Biddeford, ME

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-09

East Rockaway, NY

Credit decision / Underwriting

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-09

Alexandria, VA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: We applied for a 3.75 % fixed rate mortgage loan to refinance our current mortgage loan with TD Bank. We qualified with our income. The home appraisal showed we had 28 % equity in our home. The loan was for a {$550000.00} and the house appraised for {$XXXX}. The rate was locked until XXXX/XXXX/2015 but when we were going to close TD Bank changed the terms to increase the interest rate and lower the loan balance. This is a classic bait and switch scam to take our {$450.00} application fees and not honor the loan we applied and qualified for.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-08

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-08

Hillsdale, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-08

Staten Island, NY

Arbitration

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-08

W Chester, PA

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-08

Brookside, NJ

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

City Of Sunrise, FL

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

Jackson, NJ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-08

PA

Problems caused by my funds being low

Bank account or service: Other bank product/service

Complaint: A wire transfer was issued from XXXX XXXX XXXX XXXX to TD Bank XXXX XXXX XXXX. The wire transfer originated in XXXX XXXX XXXXXXXXXXXX with an exchange rate as indicated on the wire transfer of XXXX, with a final amount of $ XXXX. What arrived at TD Bank was {$12000.00}. A difference of XXXX. TD Bank wire transfer refuses to provide how or why there is a difference between what left XXXX and what arrived in XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-08

NJ

Using a debit or ATM card

Bank account or service: Checking account

Complaint: TD bank is charging me {$170.00} in overdraft fees for using my debit card before a check cleared the next day along with charges on my card so the money was there.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-07

Astoria, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Great Neck, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-05

Brooklyn, NY

Credit card protection / Debt protection

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-07-04

Merrick, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I had a savings account and debit card with TD Bank in XXXX, NY. Since I am a XXXX student I thought this was a safe way to go.The debit card was linked to the savings account for overdraft protection which I was not really sure of the benefits. In fact it turned out not to be a benefit at all but a means of protecting the bank if information is stolen in which on XXXX XXXX my card with my banking papers was stolen XXXX. Two days later I realized my card and papers were missing and I checked my accounts online. On XXXX/XXXX/15 a fraudulent check of {$1300.00} was deposited into my checking/debit account. Within 2 days {$1600.00} was withdrawn from my checking and savings accounts leaving me with no money and a negative balance due to overdraft fees TD Bank insisted I must pay or collections will start. My Dad paid the remaining balance to keep me from collections and hurting my credit rating. TD Bank instructed us to file a police report XXXX which we did. An investigation by TD was opened and quickly closed stating due to the information the thief acquired no recourse on their part would take place. The fake check was deposited in a TD Bank in XXXX NY. We asked if we could at least see the video and was denied. They close the case and said we would have to go to the XXXX police department to file a report in order to possibly view the video. I feel if I saw the video I might be able to identify the person to press charges but TD Bank was only interested in getting their overdraft charges paid. I am now working XXXX jobs to try to recoup my loss to a hard lesson learned.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-03

Groton, MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2015, I called a company to order flowers named " XXXX '', using my TD Bank debit card. This company signed me up for a monthly club without my consent or even asking me. Since then, I have been getting a charge of {$9.00} a month on my TD Bank account. I cancelled my debit card in XX/XX/XXXX, but somehow the company found a way to keep charging my account. This is tantamount to fraud. I have been trying to work with TD Bank since XX/XX/XXXX to dispute these monthly charges on my account, but they have frustrated me at every turn. First they said they would not investigate until I provided a " membership agreement ''. I obviously did not have one, as I never signed up for anything. In the last attempt, I wrote to the home office. They sent me a letter saying that they checked their records, and everything seemed fine, but they would dispute it with the merchant if I responded to their letter with additional information. I responded with this information the day I received the letter. When I called to inquire on the status in XX/XX/XXXX, I was informed that they closed the investigation because I did n't respond quickly enough! Then in early XX/XX/XXXX, I wrote another letter to the home office to complain. In it, I requested they perform an actual, real investigation of these fraudulent charges, and that they close the account. They have not responded to this letter at all.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-07-03

Lake Ridge, VA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-02

Manhattan, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

East End, CT

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

Coalinga, CA

Other

Credit card:

Complaint: I purchased a myfico XXXX report and on it I discovered that Target Credit Card has been placing negative information on my report. I no longer have a Target Credit Card and they have reported negative information to XXXX 25 times since XX/XX/XXXX, and XXXX has reported negative information 16 times since XXXX. I have called the credit agencies who told me to call Target as they could not help me, called Target and was told to call the credit reporting agencies as they could not help me. I want this false information to be removed.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

W Chester, PA

False statements or representation

Debt collection: I do not know

Impersonated an attorney or official
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

Manhattan, NY

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

NJ

Credit line increase/decrease

Credit card:

Complaint: I have had a credit card account with TD bank since XXXX XXXX and and have always paid on time. I went through a nasty divorce and had to put a restraining order on my husband in XXXX XXXX. He refused to pay the bills unless I let him back in. He was the only source of income. Therefore I had medical bills go in collections, a judgment placed against me, a credit card that went into a charged off account yet I always managed to pay TD Bank. I was late only XXXX time with them. I was able to pay off the credit card a few months back after my divorce and had to use it again in XXXX. I had a {$10000.00} credit line with them and they all of a sudden dropped it down to {$6500.00}. Stating I had bad credit, a judgment, etc ... .when I had that for 2 years prior going through my divorce. My late payment as well being in XXXX. Ive been paying the card in a timely matter, sometimes making XXXX payments a month on it. I had a checking account with a large sum of of money with them that I had to withdrawal just prior to them knocking my credit down. I had to make a wire transfer to my lawyers for the house I was purchasing. Which left the account almost empty. I find it very coincidental that they lowered my credit right after I did that. My late payment with them was in XXXX. Its XXXX and I have n't paid late once after that. I even pay more then my required payments.
Company Response: Closed with explanation

Disputed: Yes Timely Response