TD BANK US HOLDING COMPANY

2015-05-10

DE

Transaction issue

Credit card:

Complaint: The Target Store credit card provides 5 % discount at point of sale, so if I bought something for {$100.00}, I would be charged {$95.00} only. If I returned the item to Target, they would refund me back {$95.00} only as that is all I paid. However, if you look at the attached receipts and calculate, you 'll notice a lower refund amount in each if you calculate the 5 % difference. So, in the case of the first receipt on the left, the amount of item was {$4.00}, the refund back to me should have been around {$4.00} cents. Instead, Target kept back XXXX cents and returned me {$4.00} only. This small STEALING is inappropriate and I tried for a long time by emailing or speaking with Target to no avail. This is not just deceptive and abusive, it is literally STEALING. I am a regular customer at Target and do n't know how long this issue has been going on, as also with other customers. I should just file a class action against Target and TD Bank USA.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-08

Miami, FL

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

MS

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: TD BANK USA/TARGETCREDITAddress:XXXX XXXX XXXX # XXXX, MN XXXX ( XXXX ) XXXX Number : XXXX .... Address Identification Number : XXXXThis is not my account, I have no knowledge of how or why it is showing up on my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Ambler, PA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-07

Lower Makefield, PA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-07

Cecil, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-07

Bohemia, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Queens, NY

Settlement process and costs

Mortgage: Home equity loan or line of credit

Complaint: hi my name is XXXX XXXX I 'm running about Td Bank I 've been having a lot of problems with them then I willing to work with me in any way to try to settle the amount however they want me to pay them and I have n't received the bank statements nothing that would help me to see how much I have paid for what I 'm being charged they can be adding anything they want it really stinks because I reached out to their lawyers they were more helpful in the bank every time I call the customer service to telling me that they can help me that I have to call a separate number I call the number I ca n't even get ahold of anybody it 's always the same thing have to call during certain times is very frustrating. I need help why ca n't get amount as to what the are charging me. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Washington, DC

Account opening, closing, or management

Bank account or service: Checking account

Complaint: TD Bank has been charging me illegitimate maintenance fees on my account ( the _sum_ of balances on my accounts must be & gt ; $ XXXX to avoid a charge ; they fail to consider the sum of my accounts, and charge me a fee because one of my accounts has a balance & lt ; $ XXXX ). Each time I complain, they agree that the fee should have not been charged. Then they reverse the charge and file paperwork to correctly pair the accounts when assessing fees, and assure me that the fee wo n't be charged on the next billing cycle. But it does appear on the next cycle. For more than a year now I have had to go to my local branch, complain on the phone, or complain via email to get the problem solved. It is becoming tedious. Clearly the CSRs I am dealing with are unable to resolve the issue, so I am appealing to the CFPB for assistance reaching a more appropriate contact.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-05

ME

Customer service / Customer relations

Credit card:

Complaint: While conducting online banking within TD Bank website, I attempted to make payment in full on my TD XXXX credit card by transferring funds from checking to CC account. Somehow the transaction of {$920.00} was processed XXXX times. After Four Weeks I recieved a message that my checking account was low in funds and I transferred {$4000.00} the same day. Also I checked the accounts and found these XXXX extra transfers totaling over 2700. I contacted TD bank online and in person at a branch office. The manage informed that the problem would be resolved ASAP .. Now it is week later and I returned to the same TD branch and the Manager contacted the cc department and was informed XXXX to XXXX additional days for a refund to be transferred This is unreasonable to wait so long for my money and to deal with a computer glitch.. Can you help me
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-05

MD

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: XXXX XXXX XXXX has taken legal action without attempting to agree on payment plan or settlement agreement. I have requested to speak to the person in charge of wage garnishments and I have been ignored. Plus, I have been threatened to pay the bill in full without a chance to reverse the wage garnishment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Madeira Beach, FL

Closing/Cancelling account

Credit card:

Complaint: Target acct # XXXX Closed XXXX/XXXX/14 still showing on my XXXX report. Need to be removed.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-04

Bronx, NY

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

Ridley Park, PA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-04

Washington, DC

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-04

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

Magnolia, TX

Other

Credit card:

Complaint: I received a letter dated XXXX XXXX From Target credit cardServices Via TD.Bank stating that they declined my application dueto me have too many recent inquires and a collection on myaccount from XXXX that I have already token care of and theydeclined my application because also to many recentinquires that when yall were supposed to remove all of thembecause most of them were fraud accounts and I really don'tthink that this is fair I have a lot that I have to go thru whenapply for stuff because of all of this please dosomething about this.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-03

Fullerton, CA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Credit Limit Decrease ReportedSince your last update on XXXX XXXX, 2015, XXXX credit card limit has decreased on your credit report. Credit Card Balance Previous Limit New Limit Change {$0.00} {$1000.00} {$200.00} - $ XXXX BANK XXXX XXXX Reported By EquifaxYour overall credit card limits have decreased to {$6400.00}. Your credit score, and all credit and loan info are provided by ( C ) XXXX XXXX XXXX XXXX XXXX | All Rights Reservedi am alleging racial discrimination was a factor in TD BANK GROUP XXXX XXXX decision of decreasing my credit limit by {$800.00} on or around XXXX 2015. There decision was arbitrary and capricious.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-02

Nyc, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-02

Gloucester City, NJ

Problems caused by my funds being low

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Hamden, CT

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Bedford, TX

Delinquent account

Credit card:

Complaint: I have received multiple calls from target red card services. I advised the rep if they would waive the late charge then I would pay off the full balance. The rep refused since I had been past due on my account. I discontinued call then on XXXX/XXXX/15 I spoke with a rep who refused to do the same. I said something off subject not offensive or rude or containing fowl language. He advised that we should conduct this phone call in a mature manner. I replied then hung up. i called back to ask for a manager and got XXXX employee id XXXX. She refused to allow me a manager XXXX in total. This is after advising her of my concern and request to waive late charges. She declined the request also. I advised at that time they no longer had permission to contact me on XXXX since it is a cell phone and they use an autodialer. She refused to remove the number based on the fact that satisfactory arrangements had not been made and my refusal to provide her with another number. I do n't have a non-cell phone number to provide her with since I ca n't have calls at work. My spouse is about to be laid off ... this is undue stress over XXXX dollars. She refused a supervisor stating that she was an account manager misrepresenting her position level. I advised the employee XXXX that is a title for a glorified CSR AND that I knew the law and fully intended to include all in a CFPB complaint. She advised that I would still get manual calls to my phone so I provided her with the number of XXXX since she continued to refuse to remove my number. I advised that it is a punishable fine or them to continue to call to which she continued to reply that no .. refusal to remove and so on. Please investigate this claim. This is ridiculous and these employees are misrepresenting themselves as managers and refusing manager or supervisor. In addition to refusal to remove my telephone number from their system which in fact a cell phone.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-30

Piscataway, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Lewiston, ME

Unexpected/Other fees

Other financial service: Check cashing

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-30

Allerton, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response