TD BANK US HOLDING COMPANY

2015-06-23

Staten Island, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: TD Bank has continued to allow my account to be overdrawn, has not refused any transactions and now has charged me over {$500.00} in overdraft payments.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-23

Bayside, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I was charged overdraft fees for the amount of XXXX so far. When checking my balance online I had enough to make purchases. I paid a bill with the wrong bank card and it went to this account which should have been an overdraft but now I have XXXX overdraft fees. I was in the positive before this charge went through and prior to it going through other items were deducted from my balance. The bank switch these items around so that they would be able to charge the most overdrafts. I was told by an employee of the bank that that they pay the highest items XXXX then to the lowest which made me have these enormous fees. I think this is criminal and they would n't let me opt out of overdraft protection because its a business account. That is not true because I had a business account before and I was able to opt out. with this same bank.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-21

Fred, VA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I purchased a used Jeep 2015 Cherokee Latitude from XXXX XXXX of XXXX on XXXX XXXX. The advertised price for the vehicle on the internet was {$23000.00}. A subsequent reduced price advertisement on the internet showed the reduced price to be {$22000.00}. XXXX charged me {$32000.00} for the vehicle. This is a price difference of {$8200.00} using the larger advertised price and {$9700.00} for the reduced price. I 'm disputing the price difference between the amount being financed ( {$28000.00} ) with TD Finance versus the price I calculated using the larger advertised price and XXXX XXXX XXXX values for the vehicles I traded-in ( {$21000.00} ) as the bottom line amount for financing. The total amount of overcharge I dispute is {$7100.00} XXXX {$28000.00} - {$21000.00} XXXX. An uploaded table provide a summary of the situation.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-20

Omaha, NE

Credit line increase/decrease

Credit card:

Complaint: I have been using a Target Red card for over XXXX years. When I XXXX obtained the card I was given a {$700.00} credit line due to new credit and limited income as I was in school. In 2012 I reported to target my income had increased well into the XXXX figures and I have established credit and had a FICO credit score above XXXX. They refused to increase my credit line at that time. They have refused to increase my credit line from then and still continue to refuse to increase the limit despite a credit score of above XXXX and an income of {$140000.00}. I believe this is due to my name being XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-19

Falmouth Foreside, ME

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-19

Delray Beach, FL

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-06-19

Staten Island, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-19

MA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: As of XXXX XXXX of my checking accounts had a balance of $ XXXX XXXX a XXXX XXXX debited {$18.00} from that account leaving a balance of negative {$15.00}. The same day, after work at about XXXX, I went directly to a TD Bank ATM and deposited enough cash ( {$16.00} ) to cover the negative balance. I received a receipt dated XXXX with a current and available balance of {$0.00}. The following day I checked my account to find that:1. TD Bank assessed a {$35.00} overdraft fee2. TD Bank returned the XXXX transaction ( as if it had not been covered by the deposit ) 3. TD Bank dated the cash deposit XXXX not XXXX despite it being just $ XXXXMy understanding of TD Bank 's own funds availability policy is that any deposit made before XXXX will be credited the same day, and any deposit made after XXXX will be credited the following day. However, the policy also clearly states that the first {$100.00} of the deposit will be " made immediately available ''. And that was reflected on my receipt dated XXXX where the deposit was applied toward the account balance. However, TD Bank 's actions on XXXX suggest otherwise.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-06-19

Fort Pierce, FL

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-18

Blackbird, DE

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-18

Newark, DE

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-18

Bloomfield, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Katonah, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-18

Gloucester City, NJ

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I had a business agreement with a lawyer. I signed a fee agreement for {$2000.00} and gave them my debit card number and the agreement was to call them every Friday and authorize a {$200.00} payment. I did that every week until the entire fee was paid. A XXXX after our relationship ended, the lawyers office debited another {$400.00} and then sent me a text stating that they did this. This was an unauthorized transaction and I immediately stated this to the secretary. I asked her to reverse the debit charge and in turn she sent me another fee agreement and told me she would reverse the charge if I signed the new fee agreement for another {$3000.00} of which I did not owe. I asked her for a detail of the charges that she was telling me I still owed the attorney and she never provided me with anything. I sent the attorneys office a letter and again asked that they provide me with an accounting of the fees and return my {$400.00}, They never responded. I contacted TD bank and told them I wanted to dispute the unauthorized charge and they told me I had to wait until the debit posted to my account. I waited until it posted and called the bank back and they put the dispute in. TD bank never contacted me for any type of investigation and then I received a letter from TD bank stating that the charge wa valid. I again went into the TD bank branch and explained to them that this was an unauthorized charge and I wanted to dispute this charge because as far as I wwas concerned, the secretary at the attorneys office took my {$400.00} and would n't provide me with any accounting and this was an unauthorized charge and the bank told me we are sorry but there is nothing we can do for you. I explained that I am your customer and you are supposed to protect me and my money and you allowed this business to take my {$400.00} AND THEN WHEN I ASKED TO DISPUTE IT, YOU TELL ME THERE NOTHING YOU CAN DO FOR ME.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Queens, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Through this complaint, I request that CFPB staff review the action taken by TD Bank in denying my Reg E-covered unauthorized withdrawal claim. I opened an XXXX account for my minor daughter so that she would have access to limited funds on a debit card. The card and the account were used sparingly. When my daughter attempted to make a teller cash withdrawal on XXXX XXXX, 2015, she and I were advised by bank staff that our account was overdrawn in the amount of {$1800.00}. We subsequently learned that my daughter was unaware that she had lost the debit card and that XXXX counterfeit checks were deposited to the account. Whomever perpetrated this fraud capitalized on the fact that immediate credit was provided by TD at the time of deposit. ATM withdrawals were then executed against the account over a 12 day span. Once we were aware that the card had been lost and the account compromised, we filed an unauthorized electronic transaction claim with TD. At the request of bank investigator 's, a police report was filed with the XXXX XXXX Police Department. In explicably, TD Bank has denied our claim, citing as the basis for its decision, the fact that no additional transactions were attempted after the checks deposited were returned as counterfeits and because the transactions were consistent with our normal usage pattern. XXXX 's actions in this matter are a flagrant violation of Reg E and raise a question as to whether it 's policies in this area are in conformance with the requirements of the regulation. How many other consumers have been unfairly treated as my daughter and I have been? I want to emphasize that the unauthorized transactions were all conducted in XXXX, NJ. My daughter and I reside in XXXX, XXXX, New York. Neither of us has ever recorded a bank transaction in XXXX, nor did we transact in the amounts and frequency noted for the fraudulent transactions. Moreover, there is no significance of the fact that unauthorized activity on the account ceased after there were no longer available funds. Reg E requires that a financial institution have evidence that a covered transaction or transactions which form the basis of a consumer claim were not unauthorized if it is to deny the call for reimbursement. TD Bank has no such evidence and the inaccurate and absurd reasons it offers to unlawfully deny my claim is behavior that warrants an examination by the CFPB.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Poughkeepsie, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX XXXX, XXXX, I went to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY, to open a checking account. Because I have had a savings account at this same branch since XXXX XXXX, and a positive banking relationship, I was astonished and embarrassed to be denied XXXX a personal checking account for myself and a corporate checking account for my law firm, a P.C. incorporated in NY in XXXX XXXX. The reason for these denials was that the XXXX indicated that my P.C. and I XXXX combined XXXX owed TD Bank a total of {$200.00} in overdrafts. I dispute this. I was given neither notice of these alleged overdrafts nor an opportunity to prove that these alleged charges were illegal and invalid. Four or five years ago, XXXX, I opened both personal and corporate checking accounts with TD Bank , NA. My XXXX partner noted that I was spending an inordinate amount of time in the XXXX XXXX XXXX Branch of TD Bank, contesting unwarranted and unjustified overdrafts. Finally a friendly TD Bank officer told me quietly that it was bank policy to maximize the number of overdraft fees on each account, by manipulating the receipt of debits and credits. In XXXX XXXX a XXXX federal judge approved a {$62.00} million class action settlement arising out of TD Bank 's illegal overdraft policies. ( In re : Checking Account Overdraft Litigation XXXX. Because TD Bank has continued to practice its illegal overdraft policies despite the XXXX settlement, a new TD Bank overdraft fee class action was filed on XXXX XXXX, XXXX, in federal court XXXX XXXX XXXX et al. v. TD Bank NA, case number XXXX, XXXX XXXX XXXX for the XXXX XXXX of XXXX XXXX XXXX This litigation is still pending, and I am still waiting for a refund check for the overdraft fees improperly charged to my XXXX accounts. Meanwhile it would be prudent for XXXX and XXXX to cease and desistfrom implementing TD Bank policies to force customers to pay illegal overdraft fees, or to forego checking accounts at other more reputable banks.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-17

Centereach, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-17

Fairfield, CT

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-17

Astoria, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-17

NE

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On mother 's day someone charged XXXX {$40.00} gift cards to my Target credit card account. My card has a {$200.00} limit and it was paid off. I called target right away and they said my account would be disabled including my online account. It is now XXXX XXXX. I am calling them again for the XXXX time and they keep asking me what the issue is. THey said they would send some paperwork so I could sign it that allows them to investigate these charges. They took a payment for my credit card out of my checking account on XXXX to pay for some of the balance even though I had a XXXX balance and the {$200.00} is still on my card. Every time I call I get the run-around. No one seems to want to help me. Since this hack XXXX my debit card with my bank have been hacked as well. I no longer know what to do. I ca n't log into my online account to stop the payments on the card because it is disabled. But they must not have disabled the billing. Please help. To further complicate things my name changed from XXXX XXXX to XXXX XXXX because I got married in XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-17

Asheville, NC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I deposited my paycheck yesterday. Same business, local, check I deposit every two weeks for the last 3 years. The bank froze {$570.00} of my check saying " pending review '' without notifying me. I found out when I went to check my balance later in the day. It was over drawn because of bills I had paid since the money should be there. I called TD Banks XXXX # and was told at XXXX the money would be released in a XXXX of hours that it was a random thing. I called again hours later and was told it would not be released until tomorrow and they could do nothing to help me. They suggested I call the branch, I did and she was going to look into it. However it is now XXXX and the bank is closed. They have no right nor reason to freeze money on my account on a local business check they they can see every two weeks clears with no problems. This caused me great distress. today as I could not get gas and pick up my son. If they are taking a hostile action they should have called and told me. If they charge me an overdraft fee that will need to be refunded.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-06-17

Allenwood, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-16

Bayville, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Lionshead Lake, NJ

Disclosures

Other financial service: Check cashing

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-16

Galena, OH

Other

Credit card:

Complaint: I have a Credit card still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2002, I am requesting this be removed from my credit report.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response