TD BANK US HOLDING COMPANY

2015-04-16

TN

Credit determination

Credit card:

Complaint: On my credit report there is an account ( Target ) that is not my mine. It belongs to a my x-wife not me. I have been divorced from her for six years. When we separated and she moved to XXXX. put in for a card under her name. I have never had such a card. I ask her four years ago to payoff that card or transfer the balance to other cards, she has not. The company says its in a joint card. The only card she got was in her name only. I need some XXXX to correct the mistake and put the card under her credit report and take it off mine. When I got the Devoice, I paid off the cards the judge requested and that she was to pay off. Please correct this injustice.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-15

Clermont, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-15

Macclenny, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-15

Bladensburg, IA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-15

Humble, TX

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Carver, MA

Settlement process and costs

Mortgage: Home equity loan or line of credit

Complaint: We are in the process of trying to refinance our XXXX mortgage on our home and in order to complete the refinance we need a " subordination agreement " from TD Bank stating that they agree to be the XXXX mortgage holder, which they are presently. TD Bank is giving XXXX excuse after another as to why they ca n't honor our request at this time. First they said our loan was not current and it was, next they said another bank has a lien, which they do not, and now they are naming another bank as a lien holder and they are not. We are asking them to change nothing and agree to what they already agreed to XXXX years ago when we took out an equity loan with them. They are being difficult and unreasonable while the clock is ticking and we may lose out on a reduction of our interest rate and loan payment with a loan that has nothing to do with them. This is the XXXX time in the last XXXX years they have blocked our efforts to refinance a loan with another lender.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Niantic, CT

Using a debit or ATM card

Bank account or service: Checking account

Complaint: An ATM debit card claim was made with TD Bank for items I returned to XXXX several weeks ago, its been at least 60 days since claim was filed, still unresolved. The total amount of the claim is XXXX, billed in XXXX installments of XXXX XXXX and a XXXX amount of XXXX. Their rep, XXXX XXXX, stated XXXX of the payments are scheduled to be credited back by the XXXX in the amounts of XXXX and XXXX. It is now the XXXX and no credits are showing, several messages have been left for XXXX, none were returned. I personally left XXXX messages on her voice mail as well as with XXXX different reps, still no call back. Unless XXXX has provided additional information, then there should be credits issued, the items were returned and tracking information provided as well showing delivered. XXXX disagrees with the items returned, saying they are not what was ordered and or not their product. The reason for return is because they are not what I ordered, XXXX and I are in disagreement over this.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-15

Elwyn, PA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-15

Berkeley, NJ

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-14

Bohemia, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-14

And, SC

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-14

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-14

Poughkeepsie, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Soddy Daisy, TN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: my cards were stolen my id was stolen at target I reported the cards stolen and id stolen my balance at target was XXXX back in XXXX 2012 even i reported the credit cards were stolen and I put a fraud alert they still used my credit cards XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, all menitoned they removed all charges, I paid XXXX my balance Only my what I authorized the credit card, i was going thru a difficult time, divorce XXXX my kid trying to XXXX and myself, both were going to XXXX with XXXX here in XXXX XXXX I had no time to pay attention wiht my bills, my mother was paying some of my bills while I was dealing with divorce and my kids never thought they were going to use all my credit cards and my ids were used they even tried to get more credit and took money from all the credit cards, as you can see XXXX, XXXX, XXXX, XXXX XXXX, they removed all unauthorized charges I can not believe we put over identification so in bad hands and we are not protected anyone can use somebody'else card and id? without asking confirming id? I mailed long ago a disputing charges to target willing to pay only my balnace of {$61.00} even I mailed them my last statement and disputing the charges, I called the XXXX business credit bureau to report the stolen ID and credit cards this is the protection we have? I am disputing the charges of {$470.00} I called target today I spoke with XXXX then with XXXX she told me to write another letter mail it to Target card serces dispute solutions XXXX XXXX XXXX I have mailed over XXXX letters already to target called them many times here I am writing this complaint to you XXXX to take action of my complaint please I want this to be deleted from my credit please call me at XXXX I will report this to the Consumer Financial Protection B. as an act of failure to my consumer wright, be need more consumers protection ask for ID when anybody is using credit cards to identify the end user that way who stole my ID or stolen credit cards can be prevented stopped,! I as US citizen need more consumer protection from ID theft.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-14

NH

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: TD bank charging overdraft fees on charges not posted to account and purposely posting smaller charges to incur fees to accounts
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Washington, DC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I noticed today that over the course of four months ( XXXX, XXXX, XXXX, XXXX 2015 ) my bank account was debited {$40.00} each month by XXXX. The debits appeared on my bank account statement as " XXXX WEB PMTS '' and " XXXX WEB PMTS '' A quick search through Google shows that other individuals have been scammed by the same entity. A call to the number listed for the company goes only to a voicemail account. The company website lists a location at XXXX XXXX XXXX XXXX XXXX, XXXX, DE, XXXX. However, many online have noted that this is likely a scam originating from outside of the United States. I filed a claim with my bank and they are investigating. However, the source of this scam needs to be found and stopped. An alert should be sent to US financial institutions. I imagine that because the amounts are relatively small there are a number of these fraudulent debits that are going unnoticed. Because I just noticed this activity, I am not able to receive a credit for the first debit that occurred in XXXX 2015. This needs to be stopped before it happens to more people.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-13

NY

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I closed all my accounts over a year ago. Recently the bank sends a collection notice regarding XXXX of these accounts with a warning that they are going to close them. These accounts were custodian accounts that was closed over a year ago, that had both my name and my daughters name on it. Apparently, they must have left them open and continued to withdraw fees from it. the amount they stated owed were XXXX and XXXX. It appears that they can control anyone's account even after it is supposed to be closed.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-13

Browns Mills, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-13

San Diego, CA

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-12

PA

Other

Credit card:

Complaint: My XXXX issue with Target started on XXXX/XXXX/XX/XX/2015. My payment due date is the XXXX of every month. My payment was made on the XXXX, but was n't posted until the XXXX. The same is shown on my payment history. In early XXXX I got a call from a rep saying that I was 2 months late on my payment. When I asked why, they told me that I made my XXXX payment late and I did n't pay the late fee for XXXX. I told them that I made the payment on the due date. They said that it did n't matter, the payment was posted on the XXXX and that 's the date they go by. They said I had to pay the {$35.00} late fee, but it would be credited to my account. I told them that I 'm on a very tight budget, and would n't be able to pay an extra {$35.00} on a bill that should be {$25.00}. The rep told me that she ca n't change the bill, and that I would have to pay the fee but the payment would come off the principle. I told her again that I could n't afford that payment, and would n't be punished for something that I did n't do. She said that it could n't be changed. I asked to talk to her supervisor. She put me on hold for a while, came back on the line, told me that they ca n't change it and could n't continue with the call, then hung up on me. A few of days later, I called customer service again. I spoke with several different reps and went over the same issues again. Each time, I was hung up on. I received a call from a customer service agent on XXXX that I was not able to answer. I called them back and spoke to a rep named XXXX. It was approximately XXXX XXXX when I called. XXXX told me that I was now 3 months behind in my payment. After informing her that I wo n't pay late fees when I was n't late, I was told they would credit the late fees, but now my payment was up to {$90.00} for XXXX. I told her that was n't going to happen. She then told me that since I paid after XXXX XXXX, that 's why the payment was posted the next day. She also said that if I had called in after I made the payment, they would have adjusted the payment and it would n't have been late. I told her that I could not afford the {$90.00}. She told me that I could split up the payment, {$45.00} now and {$45.00} by the XXXX of the month. I told her that I would n't do that and I would pay the {$25.00} on the XXXX. She said that she would make note of my refusal to pay. I told her that this is untrue, I want my account credited properly and there should be no late fees at all. I asked to speak to her supervisor. She told me that I have already spoken to a supervisor, and it would n't go any further than her. She told me that if I did n't pay it, they would turn me in to the Credit Bureau. I was once again told that the call had gone on long enough and was hung up on. Later that night, I showed my wife the payment history and noticed that there were XXXX payments made on XXXX/XXXX/XX/XX/XXXX. The XXXX payment was {$470.00}, which was the entire balance on the credit card. The XXXX payment was sent for {$90.00} on XXXX/XXXX/XX/XX/XXXX and was canceled. I immediately called customer service to dispute this payment. I spoke to XXXX different reps because I was hung up on the XXXX time. The XXXX rep was XXXX. She told me that they would file a dispute form and it would take 3-5 days to process. I asked what time the payment was made. XXXX told me that the payment was made at XXXX. My phone records will reflect that I was on the phone with the rep named XXXX at that time. She told me that they would look back at the records and decide if they would reverse the payment and see if the stop payment was warranted. I told her that the payment was n't authorized. I was told that if the stop payment went through, Target would also charge me for a bounced payment. I called my bank XXXX thing in the morning and had them stop payment on the {$470.00}. I am now being charged {$15.00} for the stop payment.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-04-11

Kingstree, SC

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: MY bank is charging me an over draft fee on items that did n't overdraft when they cleared, and they are XXXX charging me for things that did overdraft. EX : there was XXXX separate {$4.00} items that were still pending, then i had an invoice from XXXX come thru while they were still pending ... i got charged an overdraft fees for those XXXX items even though the XXXX {$4.00} items posted they did n't overdraft. then i got charged again another XXXX overdraft fees ( for the XXXX invoice, then i had to go to the XXXX and get XXXX ). Then again i got charged on overdraft fee for an item while still pending and again when it cleared
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-11

Saint Paul, MN

Billing disputes

Credit card:

Complaint: Target corp has acted in an unfair, hostile and predatory fashion : Post divorce I agreed to make payments on our joint Target account. My ex then closed it. I entered into a payment arrangement allowing Target to withdraw $ 100 monthly from my account ( they insisted they had to withdraw-I could not be in charge of sending it ). Last summer, while unemployed, I called and requested a forebearance, but they refused. A few months later they stopped taking my payments, which I did n't even notice. after about 90 days their collection folks contacted me. I told them they were mistaken-as we had an arrangement. I was then told that they had inexplicably stopped taking payments-and needed me to reauthorize them. I agreed to contact my bank and begin SENDING monthly payments-rather than giving the the opportunity to drop the ball yet again. I did, and payments have been made evry month-however Target continues to report me late-which almost caused job issues when I became re-employed, and which PREVENTED me from purchasing my vehicle at lease end-as-according to the finance manager-the only new negative since my lease began was Target-they had dropped my score more than XXXX points! As well-I was able to secure a new lease based on my perfect lease payment history-but due to the score impact my payment went up nearly $ XXXX. When I have contacted Target-they have unsympathetically basically told me to pound sand. The only reason I keep paying them rather than letting their account go is because is because I feel it 's the right thing-but I am tempted to default-since they trashed my credit anyway-due to THEIR ERROR-nothing that I did. I want them to retract any negative late pay reporting-since they caused/instigated it ....
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-10

Wallington, NJ

Fees

Prepaid card: Gift or merchant card

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-10

Arvada, CO

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-10

Los Altos, CA

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response