TD BANK US HOLDING COMPANY

2015-04-30

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I receive a letter from TD Bank stating I was approved for credit, than I went into TD bank XXXX time filled out more paper work and at that time there was no problem. About XXXX week later I receive a letter from them stating unable to extend credit to you at this time for the following reasons Requested Conditions of approval not metI fill out all the paperwork that was giving to me by the Manger XXXX XXXX she tired to explain the letter to me at the best of her knowledge, Couldn, t give me a direct reason why I was denied, I felt discriminated against by TD bank underwriter, s XXXX XXXX, she never call me and never left no messages on my phone, I got her information from the Manger XXXX XXXX and I have called XXXX XXXX XXXX and only spoken to her XXXX time, then I email the manger and told her what I have done, the other underwriting XXXX XXXX XXXX never made contact with me at all. XXXX XXXX was very Unprofessional i felt she could have call me or email me they have all my information, then she makes the XXXX decision to denied me a loan and not give me a good reason Why. XXXX I get letter saying that I was approve and than I get a letter saying that i, m denied after XXXX week. I fill like they are playing with peoples emotions and this is not right at all My Credits scores are XXXX XXXX XXXX not the best and not bad.i will greatly appreciate if any thing can be done about this matter Thank You XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Bronx, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: A number of unauthorized debit charges were made to my account in violation of Banking disclosure guidelines jeopardizing my comings and goings in my day to day affairs, including my Credit standing.I contacted Customer service and put in a dispute on XXXX charges in the amount of {$39.00} each. I came in to a Bank branch to speak to someone and found a XXXX for that same amount along with an errant overdraft charge for $ XXXX.The Bank manager offered to remove the {$100.00} overdraft charge pending the completion of the dispute on the XXXX charges. I thought that my problem was solved. Upon a visit to another branch on XXXX/XXXX/15 I discovered that my account had been tapped again.I found that there had been another overdraft charge in the amount of {$70.00} despite the depending dispute investigations. I asked the Banking Representative to investigate my claims and she specified that she would notify the Assistant Branch manager and have him get back to me.I have previously made a complaint to the Consumer Financial Bureau concerning this bank.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-30

Sanford, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Hickory, NC

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-30

Bell, CA

Late fee

Credit card:

Complaint: TD Bank XXXX ( XXXX ) charged me late fees on the following dates:XX/XX/XXXX $ 25.000XX/XX/XXXX $ 25.00I never received a credit card statement for XX/XX/XXXX nor did I ever receive a statement for XX/XX/XXXX. I have also never signed up for electronic statements. I have been experiencing problems with TD Bank USA ( XXXX ) delivering my credit card statements to me. I was not aware of the minimum payment due since I did not receive my statements nor was I able to access my account online because of issues with my login/password. Please credit me for the following : {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$1.00} per month since XX/XX/XXXX for the minimum {$1.00} charge per month I incurred because I refused to pay for the late fees since they were incorrectly charged to my account. If TD Bank XXXX ( XXXX ) disagrees with this, please provide proof that you sent out the credit card statement for XX/XX/XXXX and for XX/XX/XXXX and that I actually received them. Such proof includes tracking information with XXXX, XXXX, XXXX, or a certified mail receipt.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-29

Dayton, OH

APR or interest rate

Credit card:

Complaint: I purchased a set of wedding rings through XXXX XXXX XXXX and financed them with T.D. Bank and XXXX XXXX incorporated. I 'm currently on 0 % interest for the credit card but was informed after the promotional period expired the interest rate would hike up to 28 %. I 'm active duty XXXX and told them that and that I 'm covered under the XXXX. They told me this did n't apply to me unless I deployed. This is not the case and applies to anyone on XXXX orders.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Wallington, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Alpharetta, GA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-29

Washington, DC

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Occoquan, VA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-28

Englishtown, NJ

Advertising and marketing

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-28

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Bronx, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

PA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I am an account holder with TD Bank. I sought to deposit a number of checks yesterday at the branch located at XXXX XXXX XXXX XXXX XXXX PA XXXX, including XXXX check that my husband signed over to me. My husband was with me and showed them a valid PA driver 's license for ID. They refused to deposit it and then refused me any service at all when I insisted that they provide me with this simple banking service. The branch manager was completely unhelpful and unaware of and uninterested in basic banking regulations and my rights as a consumer. Decent customer service was absent. I called the XXXX number for customer service, and there was no satisfactory result. I was told that I could not speak to an upper level supervisor, the person with whom I was speaking would not identify himself other than a XXXX name ; and he refused to provide a control number for the call. I will be closing my account and taking my business elsewhere. I advise others to avoid this institution.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On XXXX XXXX my XXXX XXXX partner received a phone call from a person saying he was a representative of XXXX and they had detected a problem with our computer. Coincidentally, I was out of town and we were having difficulty with the computer email system. So, he thought it was really a person from microsoft and gave his personal information as well as his Target credit card info. I returned home the next day and my partner told me of the incident. I called Target and asked to have a stop put on the charge. They said they could n't until it was posted. We called Target again on the following Monday, XXXX XXXX. The charge had been posted and we asked for a stop, explaining that we felt the charges were from a fraudulent co. called XXXX. Target told us that we needed to write a letter explaining what happened. We wrote the letter. target then sent us a form to fill out with a return addressed envelope. We filled that out and returned it. XXXX XXXX Target sent a letter saying they had not heard from us and sent a bill for {$390.00}. We called the number provided on the letter and got an answering machine from a guy named XXXX in Arizona. His message said he would contact us within XXXX days. We have yet to hear from XXXX and the bill will be due on XXXX XXXX. We fear that we will be forced to pay for services that will never be received and that Target supports thieves. What can we do? I went on line to search XXXX XXXX and there is a long list of blogs/complaints from people who have gone through very similar experiences. Most of them did not have XXXX and did n't give their credit card information. We will continue to pursue this violation. We are unable to attach documents because we do n't have email capabilities with this computer.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-28

Spring Hill, FL

Privacy

Credit card:

Complaint: I have never missed a credit card payment an have an excellent FICO score, so imagine my surprise when I received an email notifying me that my XXXX payment had not been received by Target. I paid that bill on time, mailed it with a return address label along with several other pieces of mail, many days before the bill due date. The other mailed items all got to their destinations and I am sure Target got mine. I have no idea how it was lost. I called the XXXX number and was told by your rep that the only way to avoid the {$26.00} in service charges was to pay by check immediately. I gave him my information and told him I did not want it saved in the system. He told me that was not possible. That is outrageous given that Target has already been hacked. I want that information removed immediately. I contacted Target through their online contact us and got a response explaining that my information was secure and they again refused to remove it. This is not satisfactory. I believe that Target should not be allowed to save that information against my wishes.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-28

Manchester, NH

Balance transfer

Credit card:

Complaint: I transferred part of TD Bank balance to XXXX credit card, the transaction date was on XXXX/XXXX/15 however my TD card did n't reflecting the transferred amount on my balance until the time i wrote this message, i contacted them several times, they keep telling me that the trans action may take several weeks to be processed, i think there is no justification on what they are trying to do other than charging me as much as they can on amounts i awe them and it is a good example of unfair treatment from big organization toward a little consumer.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-28

NJ

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: TD bank refuses to return my money, with adequate response, after a claim was submitted. XXXX scammed me out of my money and the bank refuses to return it. I ca n't eat and that money is federal and they do n't allow me to use it the way ti was given t me. Food, clothing, and shelter. XXXX number is XXXX. XXXX XXXX. Wo n't give me my money for the amount of {$580.00} dollars which was given in response to a loan which I was to receive. And I received nothing with a amortization of XXXX dollars a month. The police refuse to help and the money is federal from XXXX and I ca n't eat or sleep. Because they refuse to pay. I have insurance from XXXX XXXX XXXX and XXXX with XXXX XXXX I ca n't get any reciprocity in court.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-26

Columbus, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: RE : XXXX XXXX MD-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau, CFPB : I am writing the CFPB in reference to fraudulent unauthorized activity on an account I opened with TD, XXXX, bank to politely accommodate a problematic section XXXX tenant, XXXX XXXX XXXX XXXX. I walked into the TD bank ( located at XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX, phone : XXXX ) on XXXX XXXX, XXXX to inquire about delinquent accounts with amounts {$130.00} and {$62.00} which were reported to the XXXX. I was unaware of such accounts until XXXX XXXX, XXXX when I walked into a branch bank Police XXXX ( located at XXXX XXXX XXXX XXXX, Pa XXXX, Phone : XXXX ), to obtain a banking account and I was declined because of adverse Reporting of FRAUDULENT accounts to the XXXX. These accounts being:1. TD bank South Carolina : On XXXX XXXX, XXXX, I opened a TD Bank account ( located at XXXX XXXX XXXX XXXX XXXX South Carolina XXXX ) because I travel often, and I had TD certified bank checks that needed depositing ( void after XXXX days ). The TD checks were rental checks in the amount of ( XXXX-check number XXXX and $ XXXX-check number XXXX ). The problematic section XXXX tenant, XXXX XXXX XXXX XXXX, refused to resubmit payment amounts after informing her XXXX her TD bank did not honor their own Bank certified checks. The bank claimed the funds were returned to her account once voided, if not deposited within 90 days. This resulted in UNPAID PORTION OF SECTION XXXX RENT FOR XXXX XXXX {$70.00}, and UNPAID PORTION OF RENT FOR XXXX XXXX {$210.00}. XXXX XXXX, tenant paid {$34.00} instead of {$70.00} citing she had to purchase " insecticide, weed wacker, and ant baits '', and she subtracted her purchase from Section XXXX mandated amount of {$70.00} for the month of XXXX XXXX. She refused to pay XXXX XXXX rental portion {$210.00}. She is a problematic tenant, files false police reports, is a false witness, and well known throughout the lawyer judge judicial system assembly. This problematic section XXXX tenant, XXXX XXXX XXXX XXXX is DELUSIONAL and wanted to dictate when I deposit MY MONEY. Again, TD bank branch in XXXX South Carolina would not honor their own TD bank certified checks. 2. TD bank New Jersey : I attempted to deposit the checks XXXX again after diligently attempting to advise problematic section XXXX tenant, XXXX XXXX XXXX XXXX, to resubmit rental payments ; however, she believed she could live at property : XXXX XXXX XXXX XXXX, New Jersey XXXX free from XXXX XXXX, XXXX ( partial payment XXXX XXXX in amount of {$150.00} ) through XXXX XXXX. On XXXX XXXX, XXXX, I entered TD bank ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX via TD bank employee XXXX XXXX Phone : XXXX ), and the branch would not honor it 's very own TD bank checks. 3. Property XXXX XXXX XXXX XXXX New Jersey XXXX : The security deposit paid by the state of XXXX totaled {$1800.00} and I deposited these funds into a high yield interest bearing account at XXXX XXXX XXXX. I attempted on several occasions to provide name and address of account information to problematic section XXXX tenant, XXXX XXXX XXXX XXXX, along with CASH annual interest payments and she refused ( I HAVE VIDEO FOOTAGE ). The TD bank account was closed once the balance EQUALED XXXX. I ensured the TD bank account closed without any issues, and I resolved any issues with the account after I walked into the TD bank branch ( located at XXXX New Jersey XXXX ) to close the TD bank account. Again, the TD bank account closed with a XXXX BALANCE. I was surprised to discover on XXXX XXXX, XXXX, delinquent and fraudulent account amounts : {$130.00} and {$62.00} WHICH I HAD NO KNOWLEDGE OF.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-25

NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: The loan system of TD Bank is very confusing. I was rejected today by TD bank to waive the late fee after my best effort to correct a late payment situation. I then realized that it is TD Bank 's deliberate intention to create this confusion to make extra profit by collecting late fees on customers. For a {$2400.00} tax escrow late payment, TD charges {$160.00}, which is 6.54 %. Almost all other banks I have dealt with either send a coupon booklet for XXXX month payments or mail a monthly statement consisting of both loan and escrow payment. In contrast, TD Bank mails out XXXX separate statements with XXXX payments due monthly. The XXXX is the escrow statement every month around XXXX and due on the XXXX of the following month while XXXX statement is for interest and principal payment around end of the month and due on the XXXX of the following month. Meanwhile TD requires the borrower to maintain a checking account for TD 's direct withdrawal. Ever since I had this loan at the XX/XX/XXXX, I have always made my payments on time. I usually set auto pay for the ones with coupon booklet. For those which do not send coupon booklet, I rely on their statement to pay my mortgage because the annually changed tax escrow amount. However, the past XXXX, for whatever reason I did not receive XXXX credit card statements and TD 's escrow statement on time. As soon as I was aware of the lateness, I contacted XXXX XXXX, my account manager from TD Bank. He advised me to pay personally at one of their branch. So I did and also established the auto transfer to my TD checking accounts according to my best estimate. From my track record, XXXX waived my late fee and interest immediately after I explained, but not the TD Bank. Before TD turned down my request, XXXX XXXX arranged a meeting with me and expressed that TD will need more business to exchange for this waiver. At the same time he also agreed with me that TD 's XXXX a month loan statements are inefficient and confusing. When I followed up with XXXX XXXX on XX/XX/XXXX, I was told that his supervisor rejected it because I have no potential profit to them. I am shocked that a world known bank would handle situation only based on interest instead of fairness and principle. I have been a manager in real estate business for XXXX years, never paid a late fee. All US banks small or large are very reasonable. They base your track record and allow you at least XXXX time late payment leeway. Nevertheless, the TD Bank refuses any refund for the bewildered system uniquely from all others regardless if you have been a good customer so that TD can easily earn the extra profit whenever an oversight happened. The late fee of {$160.00} was only for the lateness of the escrow. I wonder if I would be end up with another late fee of {$170.00} based on the same 6.54 % calculation if the XXXX part of payment which is for interest and principal of {$2700.00} was late. As a reference, I have a similar amount of loan with XXXX XXXX XXXX, its late fee for both loan and escrow is only {$87.00} per month. If a huge corporation like TD Bank has some ethic value in this business, I believe TD should at least give its customers one chance to refund their hard earned money and more importantly correct its system to clarify its parts of duty.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-24

Briarwood, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-24

Groton, MA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-24

Bohemia, NY

Credit line increase/decrease

Credit card:

Complaint: I have been a credit card holder at Target for more than XXXX years. During that time I have always timely paid my bill without fail. My small credit limit of {$500.00} means that every time I use the card for more than {$100.00} I in effect negatively impact my credit score. I have made several requests over the last few months to have them raise my credit limit and all I am told is that they have a policy that they review accounts on an ongoing basis. However I should update my income which I did in early XXXX, early XXXX and the latest on XXXX XXXX and I would hear within 75 days only if the increase is granted. However after numerous calls I have not been notified of any increase and have received no notification that the increase was denied or for that matter even considered because no notification was ever sent. I have made several calls and no one will give me this information but they propose that as a solution to impacting my credit score I do XXXX or XXXX of the following:XXXX File for a debit card and in effect give target an interest free loan. XXXX. Pay my bill immediately after shopping in the store even though the monies are not due for weeks depending on at what point in the billing cycle I hit. Certainly target the right to deny credit to any customer that does not qualify but I would think that they also have a legal obligation to appropriately notify a customer whether or not a request for a credit increase was denied and also the reason. Frankly I feel that Targets failure it appropriately notify me is in effect a form of discrimination because this failure does not offer me the opportunity to determine if credit is being denied for an inappropriate reason and I am indeed being discriminated against.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-24

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-23

Albany, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I had posted an ad to sell my car. I received a check which included a fee for movers to take the car. I went to the bank after the funds were made available and withdrew the money. After i had done so, i met with the movers who took the car to their location and gave them the money. The next day I went to the bank and asked them if everything was okay with the check as well as my account which they reassured me did not have any issues. I told them the situation and tried to close out my account but was advised otherwise because my direct deposits from work would not be processed. The next day, I went to check my account only to find out that the check was returned and marked as a fraudulent check. I am out of a car and {$3000.00} in debt. No one had helped me resolve the situation or to reach a solution and did not even consider the fact that I am a XXXX who supports herself and lives paycheck by paycheck. Why would a bank make funds available out of convenience if the customer does not have the funds to back it up? Out of convenience for the customer who has been a member of the bank for years, why would they not verify checks before making funds available? Why is it when I had told a bank investigator, I am being told that the bank has taken a loss of {$3000.00} while i had also taken a loss for {$3000.00} as well as a car? Why do banks have protection against fraudulent checks and not the customers who are loyal members and trust the banks?
Company Response: Closed with explanation

Disputed: No Timely Response