TD BANK US HOLDING COMPANY

2015-06-30

Churchville, PA

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-30

Mabank, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-30

VA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I bank at TD Bank in XXXX, VA. I have a checking account and a savings account. The checking account is an account for Senior Citizens. I am retired and receive a monthly Social Security check and a pension check from my former employer. My wife continues to work and will receive her XXXX Social Security check next month. In checking my bank statement today, I discovered that I had been charged five overdraft fees of {$35.00} each. My account never had a negative balance. My wife and I went to the bank on this past Saturday to deposit a payroll check from her company. I specifically told the Teller in front of my wife that I was depositing a pay check and asked her to deposit the amount of the check as cash as the bank had agreed to do many times before. The Teller advised me and my wife that the check was deposited as cash. Today, I discovered that the bank had deposited {$500.00} as cash and the remainder of the check as a check subject to the banks holding policy on checks deposited into checking accounts. I called the Customer service XXXX number and explained the problem. The service representative understood my complaint and put me on hold to talk to her Supervisor. When she returned to the call, she advised that she was transferring me to her Manager to resolve the problem. Her Supervisor immediately got the Branch Manager of the XXXX Bank on the line and left the call. I explained the problem to the Branch Manager and she asked me if I had identified the check as a payroll check. I told her that I had done this as I have done many times previously. She said that the Teller was working today and put me on hold to ask her if I had identified the check in question as a payroll check. She got back on the line and said that the Teller did n't recall but later called me back and said that the Teller did remember cashing my check as cash, giving me {$500.00} at the time and depositing the remaining {$1600.00} as cash into our checking account. However, our account did n't reflect this understanding causing the {$170.00} overdraft fee. The Branch Manager said she would look into this but called me back to advise that she could n't reverse the {$170.00} overdraft fees because there has been a change in policy resulting in our account being charged the fees. I told her that we were not advised of any change in policy and the Teller had told us that the check was being deposited as cash into our checking account. Our checking account still remains debited for {$170.00}. I believe that TD Bank is fully aware of my problem and similar problems but has failed to change their accounting rules and processes because these mistakes benefit the Bank at their customers expense XXXX. I am asking the CFPB to help me resolve my specific problem by having the bank return the {$170.00} in fees to me and to look at the broader consequences for consumers if this TD Bank policy is allowed to continue.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-30

Allenwood, NJ

Other

Credit card:

Complaint: The creditor TD Bank USA/Target Credit is reporting an incorrect first delinquency date on my XXXX report. This account has aged off on both of my XXXX and XXXX reports. I have tried disputing it a few time through XXXX but the account keeps returning that the information was verified and belongs to me. I have also spoke with reps from XXXX dispute department trying to explain to them that the account is reporting the wrong date and should of aged off my credit report. The only feedback I get from them is to contact the creditor direct. So I called TD Bank/Target today and spoke with a rep from their corporate headquarters that deals with credit accounts. She advised me that this account no longer has any history with their department and to dispute it. I stated to her that I have disputed the account a few times and that someone in her company is verifying the information as being correct. Then I requested if I could have her send me a letter stating that the account no longer has history, so I could use it to submit to XXXX, ; she refused. Then I asked her how is it that you are claiming there is no history available on this account but yet some how its being verified. She could not answer the question. So I politely asked if I could speak to a supervisor that deals with the credit agency disputes and she got nasty and told me she must release this phone call and good luck. By Law this account should of aged off after 7 years of reporting and it has n't due to TD Bank/Target reporting false information.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

Saint Landry, LA

Billing statement

Credit card:

Complaint: I recently was approved for a Target credit card. When I went to the company 's website to sign up for online account management I was not allowed to sign up because I would not agree to receive all communication, including monthly billing statements electronically. In addition, I would also have to agree to pay my credit card bill through their website. I declined to sign up. I believe this is unfair.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

Atlanta, GA

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: I have attached a detailed letter outlining the issues along with the appropriate paperwork. But basically, XXXX XXXX XXXX had a promotion, XXXX months same as cash. Furniture delivered would n't fit, manager agreed to allow me to return it. I wanted to return right away so I would n't be billed, and to ensure I could find something else I liked. He asked me to hold it in my home until I picked something else out and they would pick it up when they delivered the new furniture. This all happened about XXXX weeks later. I immediately shrink wrapped the cloth sofa and ensured that no one would sit on it since it was being returned. The same day I finally received my furniture I was billed at the same time and I have been trying every since then to explain I should not have been billed for the original furniture that they agreed to have returned but who also told me to keep in my home. Secondly, as I began to complain that I was billed incorrectly as I never took possession of a bed ; that the billing due date was not correct it was associated with the original furniture ; and that they had been charging me late fees based on the original due date ; I eventually had a collection agency calling me and finally they sent derogatory alerts to the credit bureaus stating I was XXXX days late each time. I was told I had to file a dispute which I did in XX/XX/XXXX and this process has continued with no resolution. I met with the store manager and he agreed that there was an error they still showed that I was responsible for a bed that I never took possession of. But he told me he could n't do anything about it. I never received anything about how this loan process would work, penalties, etc., until finally after my visits back at the store, my disputes filed twice, the repeated phone calls to XXXX XXXX XXXX Corporate and finally a company called TD Retail Services which the actual loan was processed through ( which I was never told ) this TD Retail sent me paperwork on XXXX XXXX XXXX, 2015 outlining the details of the loan. Had I know the loan would not be with XXXX XXXX XXXX, I would have never taken the loan and/or furniture. They totally deceived me. I felt they sent this on XXXX XXXX, 2015 to cover themselves. I felt the entire process was deceiving by XXXX XXXX XXXX. I do n't trust XXXX XXXX XXXX nor this company and I really do n't want anything to do with any of them further. I requested several times to speak with someone to address these concerns but all I kept getting was I need to go back to the store ... and the store needs to correct everything. The store kept telling me I need to go back to this TD Retail Credit Card company. Forget XXXX XXXX XXXX XXXX, they simply did not want to get involved at all.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Collingdale, PA

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

So Effingham, NH

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-29

Red Bank, NJ

Customer service / Customer relations

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-29

Briarwood, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-29

Indianapolis, IN

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Asheville, NC

Account opening, closing, or management

Bank account or service: Checking account

Complaint: My ex-wife obtained pictures of checks I mobile deposited. When questioned how she admitted that XXXX of her clients ( my ex is a XXXX ) works for TD Bank in XXXX South Carolina and obtained these for her. I went to see my local branch manager who was helpful and opened an investigation. I had to close my account and I opened a new XXXX ( I watch it daily to make sure there is no funny business going on ), and I was told my account would be watched for any questionable activity. Meanwhile I had to lay out {$80.00} to have new checks printed and sent to me XXXX day air. This whole mess caused absolute chaos in my bank account and I am just now about XXXX months later, getting back on top of things. Meanwhile because of the mess the banks employee made, I have had overdrawn checks and they have made at least {$500.00} in fee 's off of me.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-29

Cheverly, MD

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Grangeville, LA

Other fee

Credit card:

Complaint: We were surprised to find that Yard Card added a {$120.00} promotional fee to a XXXX-month no interest plan. We were n't informed of this addition nor is our purchase now " interest free. ''
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-28

Avondale-goodyear, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-06-26

Erial, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Sebring, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Chestnut, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Boynton Beach, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-25

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Round Rock, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

College Point, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Clifton Park, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-23

Deerfield Bch, FL

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-23

Paterson, NJ

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response