TD BANK US HOLDING COMPANY

2015-06-02

South Florida, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I was charged {$350.00} in overdrafts over the course of three days. I checked my account and realized I had pending charges that would put me negative if I did n't bring the account current. It was about {$5.00} in tota, l I would be negative. So a deposit was made and cleared by morning and my account was positive. But then the bank charged me for XXXX overdrafts from the day before. I could only see XXXX charges but they said that the XXXX XXXX is invisible and I do n't see it. ( Wait..What did she just say, I cant see it ) Its pending, I think is what she said. So I 'm like Ok. So when that pending transaction clears and posts, and I am able to see it, am I charged another overdraft fee for the same thing. Because that is what it seems like. Anyways I did not know my account was negative so it all went down hill from there. When I realized it XXXX days had passed. I went to pay for my husband and son 's birthday dinner only to find I was overdrawn over {$200.00}. And when woke up to call another {$70.00} was charged. So they did refund {$70.00} back but I still dont understand what went wrong. I dont know if they are reordering the transactions or what, but I did ask them to take me out of whatever program I was in that that consents to them paying a charge for {$.00} and then charging {$35.00} for it. I would rather the {$.00} be declined. I am XXXX in a state that is very seasonal. I need all the money I have to survive and dont appreciate being charged a ridiculous amount of overdrafts when I have several accounts. I am seriously considering taking my business elsewhere, XXXX consumers deserve more respect.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Canaan Lake, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Eastvale, CA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-02

Elwyn, PA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

Arco, CA

Other

Credit card:

Complaint: Hello, My wallet was stolen on Saturday, XXXX XXXX. Within XXXX minutes of this happening I had a fraud charge alert. I handled it with my bank, and cancelled my other accounts. The reason I 'm writing is that less time that it would have taken to drive to the Target in XXXX XXXX, they had spent almost {$300.00}. Last year I was the victim of the Target theft that happened to many people. The only charge was about {$90.00}, also at the Target in XXXX XXXX. These are the only times I 've experienced credit/debit card fraud.. and they both had charges at the same Target in XXXX XXXX , California. This I find odd, and I do n't believe in coincidence. I just wanted to bring it to someone 's attention. It seems far fetched that the XXXX times in my life that I 've had issues, where in the same place. I had not been to the Target in XXXX XXXX on either occasion. Thank You.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

Warrenton, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Following was the sequence of events that happened to me with a purchase from XX/XX/XXXX Day after XXXX, opened a Red card from Target with purchase of XXXX dollars. Do not remember signing up for paperless statements, but I missed the XXXX statement, their rep called me on XXXX XXXX, I asked for a waiver on late fee, and they agreed to it, I wanted to pay it off in full. Since I was driving when she called did not remember the original amount, I just asked for full payoff amount which was she said was XXXX dollars, but she gave me minimum amount due. For next XXXX months I did not get any bill in emails or hard copy. I got call from collection agency in XXXX, that I owe XXXX dollars. Most of which are late fee. Now when I am disputing that I asked for full payment in XXXX, they are saying that it is only minimum payment, when I ask for voice recording, they said they can not provide. Since our agreement was only verbal, that is the only proof I have. Are there any other options for me apart from paying XXXX dollars which I think is totally not fair. Thanks
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-31

Lewisville, TX

Transaction issue

Credit card:

Complaint: XXXX XXXX, 2015Diamonds InternationalXXXXXXXX XXXX, XXXX XXXX Sir or Madam ; Please be advised I intend to continue my dispute for the transaction amount of {$17000.00} on Diamonds International account XXXX. I want to exercise in good faith my right to withhold further installment payments for the purchase of XXXX, which had been returned and received by D.I International office in New York on XXXX XXXX, 2015I do not owe your company additional installment payments totaling {$17000.00}. Again, The merchandise had been returned! Making further installment payments for a document that states " Store Credit Voucher '' totaling {$17.00} is beyond me. First, I have not received the voucher and second why am I buying it? ( literally ) I do not understand as to why D.I will not just credit my account since your credit card company is XXXX of the same as the merchant. I have sent certified letters and emails to your company requesting to do a charge back to no avail. Actually, D.I International credit card owes me a refund of {$380.00}. I have sent a payment of {$610.00} minus {$230.00} ( amount not in question ) leaving a positive balance of {$380.00}. I have not lost hope for your company to understand my dispute. Hoping for a positive response. NOTE : At the time of purchase, retailer failed to provide their return policy. Retailer had no conspicuous display of their No Refund Policy outside or inside the store, failed to provide its No Refund Policy anywhere in front of the sales receipt, and retailer 's sales representatives failed to inform me of store 's No Refund Policy before and/or after signing sales agreement. It was only when I attempted to obtain a Return Merchandise Authorization was I informed of retailer 's no refund policy in fine print located at the back of sales receipt. Cc : Consumer Protection Agency/ XXXX Consumer Financial Protection Bureau/ Federal Trade Commissions
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-29

Potomac, MD

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-29

Santa Clara, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Bronx, NY

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Long Beach, CA

Other

Credit card:

Complaint: I made a settlement agreement with Target to settle a debt and they accepted. A payment was made and they cashed the check. Now Target is threatening to transferred the balance to a debt collector and began reporting the account to the credit bureaus as a charge off.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Brooklyn, NY

Balance transfer

Credit card:

Complaint: I applied for a balance transfer from my XXXX XXXX card to a TD Bank credit card for an amount in excess of {$4000.00}. This was done and approved on XXXX XXXX, 2015. The teller assured me it would take XXXX days for the money to be transferred. After that time passed, I contacted TD and they said I was misinformed- that it would take between XXXX weeks for the balance to transfer from XXXX to the TD credit card. After XXXX weeks passed, I contacted TD again, because XXXX told me I was going to be reported, which will affect my credit. At that point, I paid the minimum due, to XXXX, to avoid my credit being affected. After talking to many people on the phone, at TD, I was finally told that there was an error, on their part, and that they had to re submit the application. I asked if there was any way to speed up the process because of my current situation with XXXX and their mistake. They told me there was nothing for them to do and I would have to wait. I waited, and XXXX reported me to the credit bureau. Finally, the manager at the TD Bank branch, where I applied for the transfer, said she talked to the credit department at TD and the transfer would be expedited. It is now XXXX XXXX, 2015, and XXXX XXXX still does not have the money I owe them. I have called TD bank several times, with no answers to my questions and the only advice, to wait. My credit is dropping as we speak. XXXX actually said that TD bank should have deposited the money into my account, but when I approached them with this idea, they said they did n't have the authority to do that. I am now considering paying off XXXX from another bank account, which I did not want to touch, to avoid getting reported to the credit bureau again, which XXXX said would happen in a week. But I know TD will not be able to cancel the transfer and then XXXX would have to credit me money, once the transfer goes through. I do not know what to do at this point.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-29

Rock Hill, SC

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Hollywood, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Bay Shore, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-28

Brooklyn, NY

Delinquent account

Credit card:

Complaint: XXXX XXXX XXXX acct, td bank should be deleted as they were paid in full over XXXX years ago and XXXX years ago charged off acct was a fraud acct and XXXX acct/XXXX was never late as they were ordered to change due date to the XXXX they took XXXX months to do that as the payments were made before the XXXX and XXXX acct was paid and closed over XXXX years ago never late delete this acct
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-28

Washington, DC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I have never experienced a bank that " pends '' cash deposits. I made a cash deposit into my bank ( TD Bank ). The cash deposit took a day to clear. I then had a {$1500.00} check returned over a {$1.00}, although the cash deposit of {$100.00} was pending.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-28

Scranton, PA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Mequon, WI

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-28

Old Bridge, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

New Britain, CT

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-27

Lacey Township, NJ

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Camden, NJ

Excessive fees

Other financial service: Check cashing

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-27

Fort Pierce, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-27

Garden City, SC

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response