TD BANK US HOLDING COMPANY

2015-06-09

Queens, NY

Closing/Cancelling account

Credit card:

Complaint: I 've been having an issue with a TD BANK USA/TARGET CREDIT card.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-09

Ft Lauderdale, FL

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: On Sunday XXXX XXXX while shopping my debit card was not accepted by the merchant. I called TD bank and was informed it was turned of due to suspicious activity. I was glad they did that. I called the bank and found out that someone got my debit card number and used it XXXX times at a grocery store in XXXX for the amount of {$61.00}. I have never been t o XXXX. Even though I told them it was fraudulent they took my money anyway and wont return it for 10 days if at all. I am on a fixed income and can not afford to loss this money. I have been violated by the person that got my debit number and then by my bank.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-08

Chicago, IL

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

Ft Lauderdale, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-08

Shalimar, FL

Transaction issue

Credit card:

Complaint: Purchased a piece of furniture on target.com that stated it was in stock and able to be delivered with in a XXXX weeks to my door. Paid with my target red card credit card. The wrong king size bed was delivered. When the XXXX call to target.com was placed the resolution was that the correct item has been expedited to deliver the correct item and remove the incorrect item from my home. After waiting for XXXX weeks we had not heard from XXXX, Target 's third party distributer, so a call was placed. We were told that no order has been received from target.com to exchange these items. After checking the website, the correct bed had been placed on back order. No call from target.com about this issue. The back order date was only XXXX weeks away, so I said okay, I 'll wait. XXXX weeks later I called XXXX and received the same news that target.com never placed an order with them to exchange the wrong item. Looked on the website and the correct bed was placed on back order again, but this time for XXXX more weeks. Going on XXXX weeks of having XXXX large boxes of this wrong king size bed in my tiny living room, I decided that I wanted to cancel the order and have the wrong item picked up and a refund issued. The bed sat in my living room for almost XXXX months and when it was finally picked up for a return it was then delivered back to me because target sent USPS to get the bed and not XXXX their distributer. ( What the? ) waited another week for XXXX to finally get this bed out of the house. Purchase placed in XXXX. Bed delivered back to target middle of XXXX. Target.com says that a refund was issued to my red card on the XXXX of XXXX. It 's XXXX XXXX, and we are still fighting to get this " refund '' stated by target.com to apply to my target red card. Since XXXX I 've paid interest on an item that target.com did not have in stock even though it stated that it was in stock. I 'm afraid to even ask for the interest charges to be refunded on an item that they never had available for purchase. This should be illegal. It should be illegal to charge interest on an item sold that the seller never had in their possession. They lied about it on their website. After two more hours of phone calls today and reaching dead ends with XXXX more people I have to file a complaint. I need help recovering money that is owed back to my target red card. The moment that I receive the refund my red card will be closed. I will shop elsewhere. It 's disappointing and disturbing that a store and that store 's credit card can not communicate and make things right for their consumer.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-08

Boca Raton, FL

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-06

Brighton, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-05

Staten Island, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

Key Biscayne, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-06-05

Plattekill, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

Fort Lauderdale, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

NH

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Td Bank is reorganizing debt transactions from highest amount to lowest, causing more overdraft fees. I have paid over {$3000.00} in less then XXXX years because of this. I am a single mom of XXXX, that makes enough to cover bills. however with what i pay in overdraft fees it has put me in a hole. i pay the fees, then ontop of that I have to pay for my bills putting me back into the hole. i get paid every XXXX weeks, in XXXX week i had to pay over {$630.00} because of how they processed the transactions, i only make {$690.00} every two weeks.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

Dover, DE

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Macclenny, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Paterson, NJ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Stratton, VT

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: In XXXX I opened a home equity loan account with what was known then as T.D. North Bank in XXXX XXXX All went as was suppose to, I got my payment book, and began making my payments. The amount due was {$180.00}, of which I paid until in XXXX of XXXX I started to pay {$180.00}. A round up of XXXX cents every month. This was because of hearing from many sources that every extra penny paid toward the principle could help shorten the length of payments over time. When the bank now known as TD Bank stopped using payment books, I had to use their monthly statements that they sent to me to make my payments. No problem except I noticed that they were showing a lesser amount of money due each month, than the agreed {$180.00}. With a few calls I found that the amount due was still the same, but the they wanted me to use the extra accumulated funds toward the monthly payment, and not toward the principle. I have had this problem occur several times with this bank, and with frustrating calls to numb skulls who do n't any thing about banking, ending up talking to some one with some experience correcting the problem. Well it has happened again, I called when making XX/XX/XXXX 's payment, I was told it was taken care of. I got a print out from one XXXX XXXX, Loan Operations Supervisor. It showed my account from XXXX/XXXX/XXXX, XXXX payment on XXXX/XXXX/XXXX to XXXX XXXX of XXXX, as well as a letter telling me this was the information I requested. I think this speaks volumes to the incompetence of this financial institution. When I went to their web sit today to make my monthly payment, I found they had not applied the extra funds to the principle, in fact they are still floating as they have in the past. The amount due is {$180.00} per month, I pay {$180.00} each month. a surplus of XXXX @ month. The web site today showed I had to pay only {$170.00}, a difference of {$8.00}. Now if you do some basic math, {$8.00} - : - XXXX c = XXXX, that is XXXX payments I have made with the extra XXXX cents just floating, not applied as I was told they would do. I am XXXX, and on S.S., as well as with out transportation. That is why I pay every thing on line when possible.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-03

Scottsdale, AZ

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Hillsdale, NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-03

NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Wallington, NJ

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: After 5 years on Heloc for my property and not other mortgage on it .I applied for a renewal of the loan. The procces started about 70 days ago.After being pre -approved and meeting several demands from the bank TD BANK. They failed to follow due proccess and declined my application based on wrong information based on untrue facts.TD bank after being notified several times about the wrong information .promised several times to make the correction but failed to actually do so. My Loan processor and the supervisor have conspired to get my loan denied by ignoring the true information and assuming wrong information. example : They stated that my home is a commercial property therefore no qualified for the loan. Despite being notified about the error several times by the bank local branch, by email, ( see enclosed records ) The Bank systemically look the other way and failed to give a a fair chance to get access to a home loan renewal.There have been a disregard for the fair housing law and the rules for a equal lending opportunity. Example : The loan was denied for having insufficient collateral, It was later found that the property appraisal and loan was excellent to their own admission. in Summary Td Bank have run my application at XXXX with a diligent manner, But shortly after with disregard for costumer care and with a obvious intention to deny the loan despitemy qualifications.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Wonder Lake, IL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Queens, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: I request your kind attention on my below mentioned case and please reply and let me know how can I proceed further so as to approve my application for Refinance : Quote : Since ( around ) 6 or 7 years I have a Mortgage Loan for my Primary home at XXXX, New York with TD Bank and the interest rate is 6.9 % which is very high, hence I try to Refinance the same loan, hence, I submitted application for Refinance the said loan at the same TD Bank, and upon run my credit history by TD Bank they got my highest credit score is XXXX, however, TD Bank declined my refinance application, the reason they said " '' the problem is debt with income ratio '' '' '' ''. FYI : as per 2014 my tax return documents my income is {$74000.00} and debt is around {$54000.00} plus I have liquid cash of {$100000.00} in my XXXX Fund Account ( like XXXX ) plus cash value of around {$70000.00} available from my whole Life insurance coverage from XXXX and XXXX XXXX XXXX XXXX which I showed in my application also TD Bank did n't ask me the Tax return documents or any related documentsand without seeing the required documents from my side HOW THEY DECLINED MY REFINANCE APPLICATION? From the above, I strongly doubt that the TD Bank declined my application because now I pay interest of 7 % to TD Bank and if they refinance now the rate must have reduced to around 4 % that will be the lose for TD Bank and that may be the reason to decline my application to refinance. FYI : Am a XXXX RETIRED employee with having the income of Pension and XXXX too and so far with very diffcult and without any default I am paying my monthly mortgage payment regularly without interrruption. therefore, please hlep in the subject matter so as to approve my refinance application. In view of the above, please let me know how to proceed further so as to get refinance. Expecting your valuable advise soonSincereXXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-03

Clayton, MO

Late fee

Credit card:

Complaint: TDBank who is now the creditor for XXXX XXXX. We purchased furniture Back in XX/XX/XXXX and in XX/XX/XXXX they stated that we purchased more, which we never did. I contacted them to find out why all of us sudden our new monthly payment went up, my wife and i were astonished when they told us that this rat change had been done since XX/XX/XXXX. Keep in mind that we were setup for electronic statements and searching the emails, no statements and been sent to us in any folder in the email account. We spent over 2 hours on the phones with representatives yesterday, including supervisors who could not find anything wrong with their system, but could n't track any outbound email either. I think that it banks should be notifying consumers at any time that their rates change. Whether that is a phone call, paper statement or e-statement. This was not done and i found the " customer service '' to be less than satisfactory. We no have to dispute XXXX more late charges but since no statements have ever been made, why did it take 3 months for this bank to let us know that the late fee 's had accrued.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-06-03

Allenwood, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-02

East Elmhurst, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response