TD BANK US HOLDING COMPANY

2015-04-10

Juniper Hills, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: In Reviewing my Credit report I noticed a late fee from TD Auto Finance. I did not recognize them and could not find any contract with them. I contacted them several times to dispute/ find out what it was for and they have sent me several letters to check my contract, they dont have to disclose any information.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-10

N Providence, RI

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-10

NH

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: i am having an issue with @ TDBANK_US allowing charges to go through on a debit/charge card on a weekly basis. i have spent hundreds of dollars monthly on over draft fees, i am a small business owner with very little income and struggle to balance maintaining clients as well as finances. @ TDBANK_US allows charges to go through on debit cards when there is not money in the account. they end up hitting me with over drafts and it ends up snow balling the problem with more over drafts. i have spook with my local branch manager and he told me that there is no protection for business owners only consumers. in the past two years i have paid in on over drafts approximately {$2500.00} in over drafts which i cant afford. i think something should be done with this and stop @ TDBANK_US from charging cards that have no funds on them
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Manhattan, NY

Application processing delay

Credit card:

Company Response: Closed

Disputed: No Timely Response

2015-04-09

Lynn, MA

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: My Claim and situation surrounds a recent issue with the Credit Dept. of Target Corp., and it could have also been characterized into '' Communicaton Tactics '' as well as their staff having made " False Misrepresentations, '' both from the above drop-down menu. My wife and I maintain an excellent Credit Rating/History. I am a Senior, currently XXXX and, therefore, on a fixed income. For years I have paid most of my bills on-line, but prefer receiving bills through the mail. With some reservation, I switched to a Paperless Billing Option with Target around the XXXX of this year, and made my regular XXXX payment. However, on XXXX XXXX, upon browsing the Target website with the purpose of placing an order, it dawned on me that I 'd not received any ( paper or electronic ) communications from this store for months. I checked my on-line Account, and I was startled to see that I, indeed, owed for two months ( @ {$25.00} each ) plus Penalty and Interest. I was chagrinned that I received no communications, so I phoned Customer Service and spoke with XXXX ( on XXXX ). He was very helpful, but could n't explain why I had n't received any e-mailed Invoices or Notices. He thought it best that I pay {$100.00} to cover through XXXX, which I did. When I asked, he checked and assured me that my Account had NOT been reported to any of the Credit Reporting Bureaus ( That is the XXXX Party to which I refer. ). I did n't argue the penalties, as I accepted some responsibility for not checking my Aacount online sooner ; I was very relieved NOT to have been reported. I then changed back to mailed invoices ; end of story? NO .... On XXXX I got a Collection Letter from Target 's Credit Dept DATED XXXX, before I contacted them, AND, the ONLY communication I received from them at all, breaching Section 809-A, I believe, of Fair Debt Collection Practices. I called the phone number on that letter and spoke with a woman named XXXX who provided contradictory info to that from XXXX ; I WAS reported to Credit Bureaus. She, seeming very understanding and acknowledging all of years as a customer, assured me she would provide me with a number of their Target Financial Specialist who works with these Bureaus and could revoke the reporting. I called. It was the number of Experian!! I called Target back and asked for XXXX, but XXXX was n't sure who that was and could n't see a record of my having called. Now, being very very livid, I asked for a Supervisor, and explained it all to XXXX, the Supervisor. She did display empathy, but there 's nothing she could do, she said, because, " Those are the rules. '' I told her that I never got any communications of any invoices. Then, I asked how far after the due-date, when I am deemed " Late, '' does Target take action : 2 days. None of the timing made sense, from the original lack of electronic Invoicing, the lack of consistency with what I was told being referred to Experience and not a Target resource, being told on XXXX that I was all set, when a Collection Letter had been sent four days prior ... .a letter that does not indicate my having been reported and only asks for {$61.00} and gives me 30 days to refute. Thanks for allowing me to be so verbose.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-08

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-08

Ft Lauderdale, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-04-08

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: In XX/XX/XXXX, my husband lost his job and we were on a tight schedule. From XX/XX/XXXX to XX/XX/XXXX, TD pinged me with over {$800.00} charges in Overdraft fees. They have charge me from XX/XX/XXXX until the present close to {$400.00}. When they XXXX took the fees initially which was over {$600.00}, a check went thru before charges that were made several days before. They told me that charges were brought in from highest to lowest. The XXXX time they took close to {$200.00} of overdraft fees and they told me that charges were brought in from lowest to highest. The highest was my direct deposit that was brought in after the charges even tho everything arrived on the same day. I argued the fact that before they had told me the opposite so they reimbursed me for half of the charges. Processing the way they have has several time sent my account into complete chaos. I have even seen where they have processed something immediately in order to try to charge overdraft fees.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-04-08

Rochdale, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I am a victim of a check fraud scam. As part of what I thought was a new job, I was asked to deposit an " Official Bank Check '' into my own account and told it would clear overnight. I was instructed to send the funds via XXXX XXXX for a Charity Event. I depended on my bank to inform me if there was any problem with the check, they did not. When I went to withdraw the funds the teller apologized and said the check had not cleared and she could not give me the money. I explained I was happy to return when the check had cleared as this was for a new, freelance client and I wanted to be sure that check had cleared. Again, depending on the guidance and expertise of my bank to assure me of this. Unsolicited by me, at this time XXXX ( XXXX XXXX ) XXXX, Financial Services Representative came over and said, " I know you and this is OK ''. I again replied that the check was from a new employer and I needed to make sure the funds were fully cleared, I pointed out there were not enough funds in my own account to hold the check against. His reply was that yes it was cleared and all was fine. I repeated to him that I needed to make absolutely certain that the funds were available from that deposited check. He again said, " It is ok ''. Assuredly I followed through with the task and sent the money as instructed via XXXX XXXX. My alleged boss informed me the days following that he needed more funds sent for the event. When another check arrived it was from a different lender in a different state. I then felt this was out of the ordinary and asked my employer if I 'd be executing any other types of tasks? When he did not respond to me at all I called the bank that alleged to have sent me the new check and they confirmed the check was fraudulent just by it 's description. I was relieved I had discovered this early on and called TD Bank to alert them immediately that my account may have been compromised, still believing the first check was in fact real since TD said it had cleared. I thought perhaps I was a victim of a bait and switch type scam at this point. To my dismay this is when the misinformation, avoidance and condescending treatment began from TD Bank. I called and asked a manager to please return my call, no one called. I called the XXXX number and asked to be connected to a supervisor or their fraud department, left messages and no one called me back. I went to the bank and was shocked and blindsided to learn that they were holding me 100 % liable for the funds. I asked to speak with XXXX as he told me that check cleared. I was further shocked to learn that XXXX no longer worked there and they told me his last day was the day he approved my withdrawal, which I found incredibly suspicious. I then filed an investigation and filed reports with the XXXX, XXXX XXXX, XXXX and the FTC. Once I finally received paperwork from the bank ( which their employee was not forthcoming that I would need this paperwork when I said I 'd be filing a police report ) I filed a police report and provided it to the bank. To my dismay they said they would now file an incident report which I was told was already done when I had initially reported this incident to the bank. My account of this incident goes on for a month of back and forth constant communication and efforts on MY part, my part alone as the bank stalls, does not provide me information and is rude and condescending all along. They also informed me if I wanted to close the account I 'd have to reconcile it first, in cash. If XXXX had not interjected himself I would have thanked the teller and returned another day to eventually learn that the check was fraudulent ( I received a letter the following Monday stating the check was in fact being held as it did not clear ). I was unaware that TD Bank would override this system of checks and balances and authorize the check anyway?
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-08

VA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I had a basic checking account with T.D. Bank in XXXX, XXXX. I was told when i opened the account that, if i chose i could allow overdrafts on the account with no fee if repaid within 10 days or something like that. I told them no, i absolutely did not want that service on the account, and was told i then had overdraft protection and could not overdraft on this account. Because of personal unforseen circumstances i was forced to move from the area unexpectedly. The last time i used my debit card i had around XXXX $ left in the account. Not having access to the bank in any way, shape, or form, i assumed the account would simply be closed. Now i have settled in XXXX and been denied a checking account on the basis of a report from " XXXX '' which claims that my account at TD. Bank was overdrawn by an amount of XXXX cents!! Needless to say they then of course added their standard fee of XXXX more dollars to that for a total of {$35.00}. I then called the branch where i opened the account to find out how this even happened, and how i could resolve the problem if possible. I was told that once an account is charged off there is no information about the account on file except the amount owed, and that i could only pay the amount due in person. Being in XXXX XXXX there are no branches of TD. Bank so i asked if my brother or sister could do that for me and was told yes they could provided they had my account number and s.s. number. My sister went and attempted to do that for me and was told she couldnt do that without power of attorney! This whole situation is totally ridiculous! I also requested my report from chex systems, which was supposed to take 5 business days, and ended up taking 3 weeks, and it told me absolutely nothing other than being reported by TD.Bank for the overdraft. I really feel like both TD. Bank and XXXX are wrong and pretty shady. I know that chex systems reports anything reported to them without any type of proof or documentation. That in and of itself is wrong.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-08

Havertown, PA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

Hopelawn, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-04-07

Benton, ME

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-04-07

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: TD Bank - I made a deposit in the amount of XXXX on XXXX/XXXX/15 - my account balance, prior to the deposit was {$1300.00}. According to my previous conversations with customer service reps, deposits are credited to the account before debits are made. On XXXX/XXXX/15, XXXX checks were debited from the account in the amount of {$1800.00} and {$500.00}, I had a bill payment in the amount of {$360.00}, and various debit charges totaling {$180.00}. According to my account view, at the time of the withdrawals from my account, the account balance was {$3100.00}. However, I was still charged {$170.00} in overdraft fees. Upon calling to complain, I was told that only {$100.00} from my deposit was actually made available on XXXX/XXXX/15, therefore the funds were not actually available in the account to cover the amounts in the checks posted on XXXX/XXXX/15 thus overdrawing my account for the {$57.00} I spent over the weekend on my debit card. {$170.00}, for {$57.00} spent, when the deposit for {$1800.00} was made into the account. If you look at my bank account, there is no negative balance - because the full deposit shows despite the claim that the full amount was not actually credited to my account. I am sick of the criminal nature of the reordering of funds and the blatant disregard of the customers of TD Bank.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-07

Key Biscayne, FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XX/XX/2015 I noticed XXXX unauthorized ACH transactions from a company named XXXX PRO XXXX for {$1200.00} ( XX/XX/2015 ) and {$1800.00} ( XX/XX/2015 ) debiting my business account # XXXX ( closed ) with TD Bank. I contacted my bank immediately to request a refund and days later received a letter from TD Bank stating that the refunds requested were denied. I have not done any business with XXXX ever but nevertheless I contacted them and tried to explain their mistake but instead got the run around. I have more details if necessary. I have nowhere else to turn and I am hopeful that your agency may help me recover the lost funds.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-06

Miami, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-06

Wilmington, DE

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-06

Reno, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-06

Naples, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-06

Sandy Hook, CT

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: We have had a TD HELOC with a XXXX year draw period and a XXXX year renewal. ( This 5 year renewal product is no longer offered by TD ). As we approached the renewal ( XXXX XXXX, XXXX ), TD sent us a letter informing the we needed to submit last XXXX years income verification. My husband is XXXX employed and his XXXX tax returns were not yet available. We called several times to discuss requirements. With each call, there was no record of our previous call. On XXXX XXXX, we received final notification indicating that all paperwork needed to be filed by XXXX XXXX, XXXX ( 3 Business Days ). Due to holidays, we missed the deadline and were told that the exception could NOT be made. This experience was surprising due to the Office of the Comptroller of Currency ( OCC ) guidelines on Home Equity Lines of Credit Nearing their End-Of-Draw period : Contacting borrowers through outreach programs. Management should begin reaching out to borrowers well before their scheduled end-of-draw dates to establish contact, engage in periodic follow-up with borrowers, and respond effectively to issues. After speaking with several people in the TD Branch network ( XXXX XXXX ), we were told that an exception was possible. ( XXXX indicating that she had difficult time contacting Loan Servicing too ... would not answer phone ). Last week, we faxed my ( XXXX XXXX ) XXXX years worth of XXXX and XXXX XXXX tax returns. The fax cover letter indicated that XXXX XXXX tax returns would follow. XXXX we receive a letter from TD, indicating we were denied due to insufficientincome verification. XXXX again, pushing us into a repayment phase. We have an excellent credit score and significant net worth so if we could find someone to help us, there is no reason for us to renew our draw period for the additional 5 years that are outlined in our note. We have now applied with our local credit union and anticipate approval shortly ; however, our preference would be to continue with TD for the additional XXXX years.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-06

NJ

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: I accessed an ATM machine at XXXX XXXX XXXX. I was charged {$3.00} fee, which I understood to be for using non-bank ATM Fee. However, i was charged additional {$3.00} from my bank for charging a different bank 's ATM Fee. I was charged total of {$6.00} for this transaction. {$3.00} by my bank and then {$3.00} by the other bank.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-05

Palos Park, IL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Dear Consumer Financial Protection Bureau : You will understand what actually transpired between me and Target after reading the XXXX XXXX, 2015 letter attached for you to read here. I do not have any card belonging to Target as a credit card. I did not apply for any credit card from Target at any time and I will not allow this scam against me to work for Target and its employees. They have already proceeded to adversely report me to the XXXX credit bureaus. You will also see attached letter dated XXXX XXXX, 2015 I wrote them to remove their adverse report against me in XXXX days or I might have no choice than to file a lawsuit against them. I have decided to lodge my complaint through you. If I could not resolve this matter via your humble office, Target will regret ever messing with me.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-05

Clermont, FL

Billing statement

Credit card:

Complaint: This is a SYSTEMIC issue that I wish to address with Regards to TD Credit services. They do not offer EMAIL ALERTS before the payment is due ; rather they offer text alerts, which means you have to pay for the text. This is done to deliberately have people late on their credit card payments as most people do n't want to pay for texts. This issue must be addressed, it is a systemic issue, and it has me getting behind on my payments all the time, I have XXXX other credit cards, and I am on time with all of them, because they have Email alerts that alert me a few days before my payment is due, but TD however WILL NOT ALLOW EMAIL ALERTS, they will ONLY allow TEXT ALERTS. THIS IS A SCAM, AND A RIPOFF, THIS MUST BE ADDRESSED.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-04

PA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have had a bank account at TD Bank NA in XXXX, Pennsylvania. I opened the account almost three years ago only used the account twice to use the counting machine in the branch, and so maintained a low balance. I have not deposited, withdrawn, or had any transactions with my account, including coin counting for over two years now. My account was noted as " inactive '' on XXXX 's system, and as such I was not able to conduct transactions over the phone, which I found out today. Recently, TD Bank converted my account without my consent to an account with a minimum balance. As a result, they charged fees to my inactive account for not meeting the minimum balance. TD may have assessed overdraft fees because the fees they assessed for not meeting the minimum balance brought my balance below zero. All of this without my consent and on an account they knew and had listed as inactive.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-03

Elmwood Park, IL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response