TD BANK US HOLDING COMPANY

2015-05-27

Doral, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Beloit, WI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-26

Ardsley, PA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-26

Jupiter, FL

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: I apply for a loan at td bank on XXXX/XXXX/15. Which my info was send out to a processor. which whom send me XXXX email. I have call a couple of time to speck to the processor, left message and no return call. I kept call for a week when I finally spoke to someone who told me that the XXXX processer was on leave of absence, and that she was my new processor, with all the calling done by myself. The processor then told me that I would have to resend all the paper work that, I send to the previse processor again, because she wouldnt looking trough the email to get the info, I have to send it again. This is know XXXX week pass the time that I start the loan process. the next weekend a email was send me asking for another set of papers, asking me to submit then before the end of the day. I left work and when into the bank to send off all the info that was ask of me. Everything that was ask of me, was send to the processer on that day. Which then I receive a call from my processer on Monday morning asking me again for the same info that I send to her on the Friday. Which I had to call the bank the same bank that she works for to send the information again. When I spoke to the processer that day I ask if anything else was need of me, then she ask me for a couple more paper work. if I had not ask for this, how long would she wait to ask me for the paper work. Everything that was ask of me was send to the processor and I still receive no information form her on when the appraise, would be done, which as already been charge to my account of XXXX/XXXX/15 in the morning with an email at XXXX that appraise would be scheduled, and I would be contacted on the day and time. On Friday the XXXX/XXXX/15 I call the processor at about XXXX to tell then that I wanted to cancel the loan because, with the way that there where going my closing date on the house XXXX/XXXX/2015, would not be meet on time. She then inform me that she will send me an cancellation email. Nothing was send to me from her so I send her and email on Saturday XXXX at XXXX, asking about the cancelation email, and still again nothing. On Tuesday XXXX XXXX/XXXX/15 I send out another email to her, which then there was a respond tell me to call the loan agent at the bank for information. I call the loan agent which then info me that I will be change for locking the interest rate. I should not be charge for work that is not done on a timely manner that is not fair to the customer. How can you charge some one for a process that is frustrating and infection, with a lack of communion. " When I signed the purchase contract for the property I committed to certain legal obligations such as meeting terms. As per contract I have the obligation to provide a loan commitment in a timely manner, and after almost a month of this lender having my loan file in process, it has not been provided. I am very dissatisfied and I do n't take the charge of unjust fees lightly. TD Bank should not take advantage of inexperienced first time home buyers like myself, who act in good faith and sign the necessary documentation to help have a smooth process. I believe I have the freedom to look for appropriate lending services if this lender did n't do its job without being penalized for it ''.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-24

Arnold, MD

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-23

La Tuna Canyon, CA

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-23

Phila, PA

Billing statement

Credit card:

Complaint: I obtained a Target Red Credit Card about 3 years ago. In XX/XX/XXXX, I stopped using the card after noticing high interest rates, hidden fees, can not view a copy of your receipt or billing statement XXXX it does not show actual line item purchases, just the sale total ), the running total is not accurate and other hidden charges. If you lose your receipt, you can not dispute these charges or show proof of purchase on a warranty and Target deliberately does this, hoping the customer will lose their receipt so that they can continue to hide hidden fees on their Redcard Statement and do not have to honor a warranty. They will not assist you in locating the purchase either. I purchased a XXXX XXXX vacuum that broke. When I contacted Target to assist me in getting a copy of my receipt, I was told if I did not know the date of purchase, the exact amount of the total purchase or the price of the item they could not help me, although I provided them with the information from the item. I complained to Target 's main office and the BBB, but Target basically stopped cooperating. The card has a line of credit for {$1500.00} the balance in XX/XX/XXXX Target claimed was {$1400.00}. Since XX/XX/XXXX, I have paid between $ 100- {$120.00} per month for a total of {$1200.00} to date or XX/XX/XXXX. My balance therefore should be {$370.00}. Just like XXXX, Target is ripping off their customers and the public.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-23

Gloucester City, NJ

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: i called TD Auto to try to have a payment ( XXXX XXXX, 2015 ) skipped for a hardship. I am having XXXX on Wednesday XXXX/XXXX/15 on my XXXX and have to apply for state XXXX. I was denied the extension because i could not provide a date that i would have the funds from XXXX to make a payment. I just found out yesterday that i was having XXXX on my XXXX. I see the doctor again on Tuesday, XXXX/XXXX/15 and will give him the XXXX paperwork to complete, then my employer has to complete it. After my employer completes the paperwork it is sent to the state and the will process it " within a few weeks ''. My car payment is due on XXXX/XXXX/15 and i was asking to skip that payment until my XXXX starts. Unless i can provide TD auto with an exact date I am going to be paid XXXX the payment can not be skipped. If i find out that the XXXX will be paid on a certain date after the payment is due I can not skip the payment becaus the account is wo n't be current. this makes no sense to me. I have to have the XXXX to skip the car payment? i am asking to skip the month while waiting on XXXX. They offer hardships but do not actually provide it to the customers. I have paid them ontime for over XXXX years now when i need some help i am denied over the phone and they cant even provide me with a writen notice of the denial. I told them that i can provide documentation that i will be out of work from my doctor but all they care about is when will my next income be coming in. I was on hold for over XXXX minutes after talking to XXXX XXXX at TD Auto to be told i dont qualify. XXXX years of ontime payments and XXXX does not qualify someone to have a payment skipped for a hardship, i dont what would qualify
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-22

Bronx, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Phila, PA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Manchester, NH

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Atl, GA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

NJ

Using a debit or ATM card

Bank account or service: Checking account

Complaint: Good Afternoon. I would like to file a complaint with TD Bank as I have been experiencing many issues with my Checking Account. My account was compromised, there were unauthorized ATM withdrawals in New York, a fraudulent mobile deposit in my account. I have been contacting TD Bank since Monday, XXXX regarding this matter and it has yet to be resolved. I was misinformed by several representatives as to what actions that I need to take. I was informed yesterday, after 4 business days that I needed to go into a local branch to file an Affidavit for the fraudulent mobile deposit. I was told by the branch that I did not have to sign anything as information is submitted electronically. A representative was very fresh on the call with me stating that she was not sure why a representative had not informed me that I have to sign an Affidavit. I was also informed that the branch would give me a copy if the fraudulent check that was deposited which, yet again I was misinformed. The branch provided me with a blank copy as they were unable to see anything. Throughout this whole complaint I filed, I have been treated as if I am the criminal, not the victim, constantly being questioned about the fraudulent withdrawals. My fianc lost his debit card and I am not sure how anyone was able to make those transactions. If my account was really looked into, it will reflect that I have never made that many withdrawals at XXXX time and I hardly ever use a mobile deposit. This is my checking account that has been blocked from any deposits, etc. I am not able to pay any bills or making any deposits, this concerns me as I am getting married next month. The bank has done nothing but question me or be accusatory and tell me to wait. Whoever deposited the check and withdrew money from account apparently has more protection than I do. Where are my rights as a Consumer?? I could see if there was a pattern of fraudulent activity in my account, however there is not. I receive Direct Deposit by my Employer bi-weekly and make the same deposits and pay the same bills every month. I am really not sure what to do at this point as the bank does not seem to value me as a Consumer, perhaps if I was a wealthy account holder things would be different,
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-22

No Haven, CT

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Flushing, NY

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-21

Cocoa, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Passyunk, PA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-21

Jupiter, FL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: To begin with, prior to entering into a vehicle loan agreement with TDAuto Fiance in conjunction with XXXX, my previous vehicle was stolen during my XXXX in College and at a Part-Time Job ( XXXX per week ). I was in dire need of a vehicle because of the high demand of my day-to-day daily hassle of being a XXXX student. Unknowingly, I was giving a 2010 Ford Fusion that had a history of XXXX accidents, which the bank or TDAuto Finance was unaware of during the time of sale. In other words, in my part without due diligence, I was lead to believe that the loan value uphold the same book value of the vehicle at the time it was purchased. Moreover, in my attempt to travel abroad, I have been unsuccessful in many ways to obtain a new owner because of the validity and lack of integrity of the sale that was made to me. As a result, I have been left to voluntarily surrender the vehicle to auction ; otherwise, repossession, which is a mark that will hinder my credit report negatively impacting my credit score.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-20

Ft Lauderdale, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Corona, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Spring Hill, FL

Rewards

Credit card:

Complaint: I applied for TD Bank XXXX card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first XXXX days. I have spent more than {$500.00} within that timeframe, but have never received this bonus. I have already filed a claim to CFPB and TD Bank replied that XXXX points were credit on my XXXX 2014 statement. But that response was incorrect because there is no XXXX points credit on my XXXX 2014 statement. My XXXX 2014 statement only includes 5 % cash back from spending categories XXXX purchases at grocery stores and gas stations XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

NC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On the same day debits were presented for payment a deposit for double that amount was made ; but somehow TD Bank believes it is justified to charge my account XXXX on my business account and another {$270.00} on my bank account.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-20

Wilmington, DE

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: XX/XX/XXXX/ XX/XX/XXXX- I incurred overdraft fees on my account. The bank would return a payment due to insufficent funds on one day/ charge a fee and then the next day approve the payment and charge an additional overdraft fee. This continued for serveral months. This caused large financial issue with my checking account. To the tune of having been assessed from XX/XX/XXXX to present a total of {$2500.00} in overdraft fees all to which have been paid. I have direct deposit and with each deposit the bank is paid for the fees in advance. In XX/XX/XXXX I was billed a total of {$770.00} in overdraft fees, XXXX {$210.00}, XX/XX/XXXX over {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$480.00}. I have attempted serveral times to speak with the bank about the fee assessment and have someone from the branch contact me. I was advised that someone would contact, I would get a telephoen call, would return the call and leave a message on their machine and receive no call back. The merchant in the past has done several things that indicate questionable business practices. For example during all of the fee assessments, there was an attempt for a merchant : XXXX, they were trying to collect on a late return of movies or no return. This merchant does get preauthorization with the initial rental. So when the movie is returned late or not at all they will go back into the credit card account used to rent to collect payment. I have recorded proof of a balance that was owed that the merchant attempted to withdraw {$60.00} ( approx ) with all of the fees I did not have enough. Ultimately, I only had {$11.00} ( approx ) in my checking account. The merchant miracously authorized the exact dollar amount. Then on the date of my deposit they come back into my account for the difference. I never contacted the merchant regarding the with draw or the authorization of a specific amount to resolve a balance. I was not aware that I had one with them assuming my children returned all the movies. The way it is discovered is that my account is impacted. The bank is double dipping and in the month of XX/XX/XXXX I suspect they were attempting to meet an end of the year quota, impact as may patrons during the XXXX Friday purchase/etc. I have been within the bank and heard that discussion. Also, I have had an incident where my account was compromised/debit card. Off of XXXX attempt with my card for a transaction out of the country they blocked my card. I was told I had to get a different checking account number. I proceeded via telephone and then went to the nearest branch facility and collected a new card. The branch of complaint. I am told at that time that I did not need to change my account but there was nothing they could do now that has been done. The account I was to have was to be identical to the existing account. Which was a grandfathered XXXX account which had no monthly fees regardless the balance. However that has not taken place, I get charged a monthly fee and they can not correct that either. So now along with the excessive fees they have imposed to my account I also now have monthly fees. This fees abuse has put me in financial straights. I stand to loose my residence, car because each month I am robbing XXXX to pay XXXX and the fees just keep coming as I try to get this under control. When I speak with them they advise they can not review my account back from XX/XX/XXXX/ XX/XX/XXXX and there is nothing they can do about it. I have asked for fee remibursement of atleast half of what I have been charged to which they will not remove anymore than {$100.00}. For XX/XX/XXXX I have been assessed atleast over {$2000.00}. That year before the same over {$2500.00} in fees. It is a continous cycle. They also do notification to parties banks that submit payment when to resubmit to ensure that the payment will authorize and they charge a XXXX fee. I need assistance.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

Niantic, CT

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Uvalde, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response