TD BANK US HOLDING COMPANY

2015-03-26

Downingtown, PA

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-26

New York, NY

Credit decision / Underwriting

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-26

Great Neck, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: TD Bank is and has been improperly charging services fees to a checking account.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-03-26

Chester, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-26

Knightdale, NC

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-26

ME

Settlement process and costs

Mortgage: Home equity loan or line of credit

Complaint: I had a home mortgage TD Bank, paid it off but kept the home equity loan open. The bank said we had to redo it differently into another home equity loan and we jumped through a XXXX hoops and got approved. I had a balance of $ 21K that was refinanced at a reasonable rate. Then we noticed that they were assessing us an addition $ 25/month. We called and they took it off, but it was there the next month. We called they took it off and said it should not be there, but again it was there this month. They have told us this charge was because our loan was below $ 20K, which it is not. We were never told about this charge and TD Bank is becoming hard to deal with. We pay the interest as part of the payback of the loan, I do not think this is legitimate to give people these underhanded charges. Your thoughts, please. PS : In the last conversation with TD Bank today they said this charge is for the checking account, and over draft coverage, not the home equity loan. I was not ever told that we would be charged and the person who set up the equity loan has left that bank. Is this legitimate to do.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-26

Las Vegas, NV

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-25

Wallington, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I am a TD Bank account holder. I receive overdrafts for what I believe are not fair practices. If I make a charge that will overdraft my account, it is put in pending. If that same day or the next day that I notice it, I make a deposit, that same deposit is put as pending. When they clear, even if cleared the same day or the deposit clears prior to the expense, an overdraft fee is assessed. Additionally, it becomes difficult to track because of the disjointed design of the banking statements and online account view. The statement separates deposits, expenses and daily balances. The online view will show as things clear ( my account has not gone negative according to just the last week, yet I 've been charged almost {$200.00} in overdraft fees ). I attempted to speak to TD about this and they refuse to acknowledge the usurious nature of these practices.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

VA

APR or interest rate

Credit card:

Complaint: The Target department store is refusing to comply with the SCRA federal law practices by decreasing my interest rate and reimbursing me for all late payment, and for all interest rate amounts charged that were over 6 % for the duration of my spouses XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

Roberts, ID

Late fee

Credit card:

Complaint: I am being harassed by Targets REDcard I had only XXXX charge on the card for aprox {$66.00} dollars around XXXX of last year thats when I realized it was a mistake to do business with Target. They said i was late so i owed them 35 dollars on my 66 purchase I paid the 66 and at the same time communicted to them through my credit account electronically to request that they remove the 35 dollar fee/fine/extortion as the cost of doing business with them, they apparently do n't check there e communications because i waited and waited for a reply and never got XXXX, XXXX they charged me 35 fee/fine/extortion again for not being a obedient XXXX so now they said i owed them 70 on my original purchase of 66 which i had paid, they finally reply to my e communication in XXXX asking me to call them. so i called them and i was told a supervisor would call me back which they never did but then i started getting robo calls from them but when you answered them they wouldnt connect. now by XXXX they added another 35 dollar fee/fine/extorion so now i owed {$100.00} on my original purchase of {$66.00} which i had paid in full months ago, they say they chancelled my card but they keep adding 35 dollars to it and apparently i also have to pay interest on their fees/fines/extortions. so a few days ago i called and talked to a team member who said they couldnt do anything now but they could have removed the original fee in the first month, they also claim not to have received any e communications from me even though i have the saved email resonse in my email account. now they have locked my credit account so i ca n't view my bill online??? totally disablied it but they now send me emails to log in??? I know now what the red target means
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-24

Wallington, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-24

Jamaica, NY

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-24

Aslo, MN

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

Crotonville, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-24

Warren, RI

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-03-23

Colts Neck, NJ

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-23

CT

Advertising and marketing

Credit card:

Complaint: I signed up for the TD Bank Easy Rewards Credit card because they offered a introductory 6 months where gas, groceries, telephone, dining, utility payments receive a XXXX % rebate. During the first month of using the card, I 've had a difficult or unreliable time using this card to make purchases inside the pharmacy of my local grocery store to buy my medications. The purchase amounts for these transaction could vary from $ XXXX to $ XXXX, but nearly every time they get blocked as " not authorized '' when I go to swipe it. I called the customer service many times and talked to their fraud department and they stated that there was a " merchant block '' for this merchant and suggest that I use a different credit card to make these purchases. Even some small purchases such at grocery stores for $ XXXX gets blocked for the same reason as stated above when I called to find out why such a small transaction amount was not going through. I strongly feel that it 's disingenuous to advertise or offer a XXXX % cash back at grocery stores when the card issuer blocks these merchants. I can provide proof of the advertisement, which let me to sign up for the credit card as well as transcripts of telephone conversations with the fraud department stating why my purchases are getting declined.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

Youngstown, OH

Rewards

Credit card:

Complaint: I applied for and received a TD Bank credit card in XXXX 2014. The card promised unlimited cash back on grocery store spending for six months. When I tried to use the card for several XXXX purchases, they placed my account under review. When I called the fraud department, I verified all attempted and completed charges, paid my bill in full, so no fraud risk. My account has been under " review '' for 6 weeks now with no explanation and not released for use. I have called XXXX times and get no explanation or a call back to tell me what is exactly under review. I believe TD bank is employing this tactic to prohibit card holders from utilizing their advertised rewards program maliciously.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

ME

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I was charged overdraft fees on my checking account, when at no point did I have insufficient funds to cover transactions. In fact, the fees charged are what caused the overdraft. When I called to speak to customer service, I was put on hold for 23 minutes at which point I hung up. I then called my local branch ( XXXX ) and was told by the individual on the phone that according to the " dark side '' the posting of the transactions and fees caused the overdrawn status. I want the {$140.00} back that was taken from me. My on line banking does not show any negative balance at all, funds were sufficient, so I am unsure as to what " dark side '' the individual was referring to.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-21

South Florida, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: The same as the last XXXX submitted I was the victim of credit card freud and need to have these accounts resolved.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-20

New Britain, CT

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-20

Raymond, NH

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-19

Smyrna, DE

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-19

Camden, DE

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

TN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Around XXXX we consolidated our loans and paid off a loan to Chrysler financial for an automotive loan. In XX/XX/XXXX we applied for a lost title at our local town office in Tennessee. At this time it was made known to us that TD Financial XXXX XXXX XXXX XXXX XXXX lien on our title. I was directed to TD financial XXXX XXXX, then to My title Support XXXX, and back to TD financial to find that there is a " balance due of {$85.00} '' for " charges and fees ''. I have NEVER received any notifications from XXXX, TD Auto Finance or any other representative in the TEN to TWELVE YEARS since that loan was paid off. TD Auto Finance is located in XXXX Maine and I have never transacted business with them. I requested a supervisor call me to discuss the " balance due '' on XXXX/XXXX/15, and 1 week has passed with no response despite the XXXX calls I have placed to their " customer service department '' I find it very concerning and unethical that a corporation can quietly hold a " balance due '' for more than 10 years and then demand a consumer pay.
Company Response: Closed with explanation

Disputed: Yes Timely Response