TD BANK US HOLDING COMPANY

2015-03-19

ME

Other transaction issues

Money transfers: International money transfer

Complaint: On XXXX XXXX, 2015 from my savings account at TD Bank located at XXXX XXXX XXXX, XXXX, ME I had an international wire transfer of {$3600.00} in XXXX funds to a bank in XXXX. The purpose of the funds were to pay for tuition of a student that was going to attend a prep school for college. On the TD Bank XXXX Outgoing Wire Transfer Form under Reference it stated : Tuition for the students name and his date of birth. The student had provided me with the schools account number, bank name and SWIFT account information in order to complete the wire transfer. The student obtained this information from a Financial Representative of the school. The name of the school is XXXX XXXX XXXX. ( See attachments ). The money was successfully transferred to the Bank XXXX XXXX into the schools bank account. During the week of XXXX XXXX the student advised me that in his discussions with the Financial Representative she had not checked with the Enrollment Department and had now told the student that the classes were full and he would not be able to enroll in the school. On XXXX XXXX, 2015 I went to TD Bank and asked them to initiate steps to have the funds returned. The bank representative said they would contact the TD wire department to request that the funds be returned to my account, reverse the transaction. The bank representative said the Bank XXXX XXXX may charge me for the wire transfer back to my account. According to a representative from TD Bank they advised me that the wire department had requested a return of the funds on XXXX XXXX, XXXX and XXXX however there was no response from the Bank XXXX XXXX. Currently I do not know if any other requests were made to the Bank XXXX XXXX for the return of the funds as I have been traveling and need to contact TD Bank for updated information. The Financial Rep. from XXXX school told the student that she was in contact with the Bank Manager at the Bank XXXX XXXX and requested the money be returned to the sender since the student was not enrolling into the school. On XXXX XXXX, 2015 after discussions with the Financial Rep. the student obtained a XXXX from XXXX. The XXXX states in part that XXXX rejected the {$3600.00} XXXX dollars that was sent by international wire into the XXXX account at the bank for the tuition for the student, as the student was not enrolled in the school. On XXXX XXXX, 2015 the student also took a copy of this XXXX to the Bank XXXX XXXX and provided the document to the bank manager. The student also sent this XXXX to me via email and translated the document from XXXX into XXXX. ( See attached ) TD Bank reps have advised me that this matter will be closed within 60 days beginning on XXXX XXXX when I requested the funds be returned to my savings account. TD Bank reps have stated all they can do is have the wire transfer department continue to request the return of the funds, but that if the Bank XXXX XXXX does not return the funds, there is nothing they can do. Basically TD Bank reps are saying that after 60 days I 'm out of luck if the Bank XXXX XXXX does not return the funds.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Elwyn, PA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-19

New Port Richey, FL

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-19

Harsens Is, MI

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I pulled my credit file XX/XX/XXXX and noticed Target XXXX had reported a charge off on a joint account on my credit file from XX/XX/XXXX. I contacted Target XXXX numerous times by phone and mail. When contacting them by phone I was informed they could not find an account with my social security number and that it would be removed from my credit file. I sent them a certified letter XX/XX/XXXX requesting they remove the account from all XXXX agencies and I also disputed the account with all XXXX credit agencies. The credit agencies responded back stating the account had been verified and it would not be removed. I contacted Target Corporate Office and again was informed that they would remove it from my file to yet it has not been done. I have never had an account with Target XXXX nor have I ever signed to be a joint account holder with anyone on a credit card from this company. I am also filing a complaint with the State Attorney General in Michigan regarding this matter. I am considering retaining legal counsel for this issue.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-18

Conway, SC

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-18

Hamilton Grange, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-18

Rosenhayn, NJ

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-18

Livingston, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-18

Gloucester City, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-18

Ralston Corner, VT

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-18

Homestead, FL

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-17

Plattekill, NY

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-17

And, SC

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-17

Lynn, MA

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-17

Cherry Brook, MA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-17

Long Beach, CA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-03-17

Sacramento, CA

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-03-17

Milwaukee, WI

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-17

Cambridge, MA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-16

Jamaica, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-16

Jupiter, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-16

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-16

Spencer, MA

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-15

Grant, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-14

Las Vegas, NV

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response