TD BANK US HOLDING COMPANY

2018-10-03

Boca Raton, FL

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2018-10-03

Peabody, MA

Managing an account

Checking or savings account: Other banking product or service

Problem using a debit or ATM card
Company Response: Closed with monetary relief

Timely Response

2018-10-03

Natrona Hts, PA

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with monetary relief

Timely Response

2018-10-03

Bronx, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2018-10-02

Sebastian, FL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-10-02

Belleville, NJ

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response

2018-10-02

Santa Ysabel, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: After incurring {$490.00} in overdraft fees in the 1st 4 months of 2018, in XXXX 2018, as advised by a TD Bank representative, I unenrolled from TD Bank 's overdraft protection program, the Debit Card Advance Program, to avoid going into overdraft and incurring the subsequent fees. It was my understanding that being unenrolled, transactions would instead be declined if the funds werent available. On XX/XX/XXXX2018, I saw that my TD checking account was overdrawn {$42.00} due to a credit card payment of {$100.00}. I was surprised to see I was overdrawn because I had not scheduled the {$100.00} payment and had unenrolled from the Debit Card Advance Program. On XX/XX/XXXX, I transferred {$43.00} from a friend 's checking account and {$67.00} from a credit card into my account. On XX/XX/XXXX, when I checked, my account was not overdrawn and no fees were assessed. On XX/XX/XXXX, the {$43.00} had been credited to my account, but not the {$67.00}. On Monday, XX/XX/XXXX, per TDs online system, the {$67.00} had been credited to my account and 2 debits appeared in the amounts of {$6.00} and {$18.00}. The {$67.00} credit and 2 debits were all dated as posting on XX/XX/XXXX. On XX/XX/XXXX, when I checked my balance, 2 overdraft fees, each being {$35.00}, and a bank maintenance fee of {$14.00} had been deducted from my account by TD Bank, creating a total of {$84.00} in fees. On XX/XX/XXXX, I called TD Bank at XXXX and spoke to XXXX who stated that the overdraft fees were due to 2 of the 3 debits between XX/XX/XXXX & XX/XX/XXXX ( {$100.00}, {$6.00}, {$18.00} XXXX though she wasnt certain which 2 incurred the fees. I explained that I had unenrolled from the Debit Card Advance Program to avoid an overdraft and incurring fees. I also detailed how from my end it appeared that I had successfully transferred funds into my account between XX/XX/XXXX and XX/XX/XXXX to cover these 3 debits. XXXX told me that neither of the 2 {$35.00} fees would be removed from my account because TD Bank had credited me {$140.00} in overdraft fees in XX/XX/XXXX2018 when I unenrolled from the Debit Card Advance Program. XXXX supervisor, XXXX, also rejected my request and gave the same reason. Because of the {$14.00} maintenance fee and because of the {$70.00} in overdraft fees, my checking account was left overdrawn in the amount of {$46.00} on XX/XX/XXXX. I expressed to XXXX my concern that being overdrawn, I might incur more fees should something unexpected be charged to my account. XXXX stated that since I was already overdrawn, I would not incur more fees should I become more overdrawn. On XX/XX/XXXX, a debit of {$2.00} from XXXX posted to my account. The {$2.00} was debited despite the funds not being available. Were it not for the {$84.00} in fees TD Bank assessed on XX/XX/XXXX, the funds would have been available. I am investigating what the {$2.00} is for, as it wasnt an expected charge. On XX/XX/XXXX, I deposited {$500.00} into my account. Another {$35.00} overdraft fee posted to my account on XX/XX/XXXX. On XX/XX/XXXX I called TD Bank and spoke to a customer service representative and a supervisor named XXXX. They told me the XX/XX/XXXX fee was for the {$2.00} debit on XX/XX/XXXX and refused to remove the fee. I explained that the only reason {$2.00} was unavailable in my checking account on XX/XX/XXXX was due to the {$84.00} in fees the bank assessed previously that week. I expressed dismay over a {$35.00} fee for a {$2.00} charge. Again I said that I had unenrolled from the Debit Card Advance Program so that transactions would be declined if the funds were not in my account. When I stated this to the supervisor, XXXX, she told me that TD Bank can pay charges to my account when the funds are not available putting my account in overdraft, and then assess the subsequent {$35.00} fee at their discretion, regardless of whether or not I am enrolled in the Debit Card Advance Program and regardless of the fact that I have not consented to overdraft fees. It is stated on the U.S. Department of Treasurys website that by law, financial institutions are prohibited from assessing fees for paying ATM and one-time debit card transactions that overdraw consumer accounts unless the consumer affirmatively consents, or opts in, to the overdraft protection program. I depend on this statement being true and accurate, as I have a XXXX XXXX which makes accounting an immense challenge if not impossible for me to accurately manage. I can not afford to hire someone to do my day-to-day accounting. Prior to the Debit Card Advance Program, TD Bank would routinely decline charges to my account if there were insufficient funds. In my first 2 years with the bank ( XXXX & XXXX ), I was assessed a total of {$310.00} in overdraft fees, as opposed to the {$700.00} in overdraft fees I have incurred in the year 2018 alone. The bank still does decline transactions, but unreliably, which makes sense given XXXX statement that accepting or declining transactions is done at the banks discretion and not done based on fund availability nor the account holders consent. All this aside, I transferred funds into my account on XX/XX/XXXX to cover the 3 debits between XX/XX/XXXX and XX/XX/XXXX. TD Banks online system showed that my transfers posted in time to cover the 3 debits. Everyone I spoke to at TD Bank on XX/XX/XXXX XXXX XX/XX/XXXX said that the only way to avoid going into overdraft and incurring overdraft fees was to have more money. To date, TD Bank has charged my checking account {$5200.00} in overdraft fees in the 6 years I have been banking with them. I would certainly have more money if those fees were not assessed and/or if there were a way to avoid them. Per the XXXX rule amending Regulation E, in part 205 of the Code of Federal Regulations, Title 12, I am entitled the option of declining enrollment in a banks overdraft protection program. I have never willfully consented to the overdraft fees assessed to my TD bank account. In my ongoing pursuit to avoid the fees, I have been talked into and out of being enrolled in TD Banks overdraft protection services by the banks representatives over the years. The cycle of overdraft fees perpetuating more overdraft fees to no limit is in part a reason for why I remain in a place of financial hardship. TD Banks system appears to be unlawful and has capitalized on my financial vulnerability as well as my XXXX XXXXXXXX both circumstances which Ive naively disclosed to TD Banks representatives when seeking their help.
Company Response: Closed with monetary relief

Timely Response

2018-10-02

Brooklyn, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I called in to make a payment because I always set my payments up to come out automatically but this one did not do it so four days later I noticed and called on XX/XX/XXXX. It was due on XX/XX/XXXX. I was asking is there a way to make my payments lower being I am a XXXX. The monthly payment was {$72.00}. They talked me through setting up a payment plan and said because I was approved for this plan my first payment would have to be on XXXX for {$98.00} which I did. It was set up for {$31.00} to come out automatically every month which it has. I was told the account would not accumulate interest while I was on the plan. Not only was that a lie, they reported my account past due to the credit bureau. After calling 10 times to try and fix it they are saying that the account was reported in error and that they fixed it. However what they actually did was remove the past due from XXXX and put it on XXXX. A supervisor called me said they never reported it and I should dispute that with the credit bureau. The credit bureau said I should dispute it with XXXX. The 4 representatives from XXXX would not transfer me to a supervisor and three of them just told me to hold on and hung up on me. Now my credit score is even lower. I am always on time with all my payments.
Company Response: Closed with explanation

Timely Response

2018-10-02

NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: - I applied for a mortgage at TD Bank. - I participated in a preliminary prequalification phone call and was approved for over {$500000.00} for a loan. - I entered a contract for a property that required a loan for {$280000.00}, and started the next step with TD Bank which was to sign documentation and they stated at the beginning of this step in an email my rate for a loan would be 4.875 % interest rate. - I was told I did not qualify unless I paid off {$1500.00} of my credit card debt and {$59000.00} of my student loan. - I stated I did not have the funds to pay off these debts. They told me verbally over the phone I was not approved and I asked for documentation stating that so I could get my deposit on the property back. - A week later they told me I was actually now approved and at rate of 4.5 % and again they put that interest rate in an email that asked for us to sign the same documents previously which we did. - We inquired about next steps and then they told us our loan rate was now 5 % interest rate. - I believe this is a classic case of bait and switch.
Company Response: Closed with explanation

Timely Response

2018-10-02

Rancho Bernardo, CA

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2018-10-02

Ridley Park, PA

Incorrect information on your report

Payday loan, title loan, or personal loan: Personal line of credit

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-10-02

Bohemia, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I bank with TD BANK. I have been banking with the financial Institution for 4+years. They are a very selfish, inconsiderate, and their Rules and Regulations are nothing less than unfair, unjust, and there has to be a law to overdraft fees on a XXXX. It outrages me that a bank institution has the right to do this. I have been treated unfairly and very bias as per conversations with Customer Service. I signed up for cash advance for short term knowing i had a deposit for Monday XX/XX/2018 I was not overdrawn from my online banking account than. Tuesday afternoon I was informed I overdraft my account on XX/XX/XXXX, meanwhile I was showing a positive balance and nothing pending. What do they see that I should see and don't. There Bank thrives with no pitty nor compassion when it comes to overdraft fees. TD Bank is charging XXXX for XXXX overdrawn. that started the overdraft to roll. I would like my account investigated for illegal overdraft fees. I am on XXXX and I will not be able to pay my rent due to XXXX plus dollars and fees in Overdraft fees. last month too. very upset. and disgusted. XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2018-10-02

West Newfield, ME

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with non-monetary relief

Timely Response

2018-10-01

NH

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/2018, I and my XXXX y.o. son went to XXXX. It was our first trip out of country and first vacation ever. On XX/XX/XXXX we went to XXXX and had pre-rented scooters before sailing. The " shop '' was awful, one room, no air, no seats, there was a party of 4 ahead, and people had been before them. When we were finally served after 15 minutes, we had to wait longer for another scooter. After about 15 more minutes, it finally arrived. As we inspected the scooter and took pictures I noticed a problem with my ignition..it was " loose '', missing the casing it sits in. He showed us how to start/operate the bikes, and I could not start mine the normal way ... left hand brake engaged and start button with right hand ... he played around and discovered you had to hold BOTH brakes and push button at same time. This was very difficult and I'm not certain that I actually started it. At any rate, very hot, tired, hungry, thirsty and excited, we left. We stopped once and the bike wouldn't start. XXXX is very isolated but luckily someone came along and helped us start the bike. We stopped again and same thing, bike wouldn't start, had to get help. We tried calling the shop but no reception. We had only been out an hour but very frustrated we decided to go back to the shop and switch bikes. We had to drive non stop, high noon, no sunblock or hat, for almost an hour without stopping. When we got to the shop, exhausted, frustrated, I immediately started telling the owner about the problems, about breaking down, etc, and he grufly says, " you didn't get gas ''. I reiterate the problems and he just said " no gas, no deposit ''. So we drove off about 4 blocks away and I said, " it better start! ". Of course, it did not so I told my son to go back to the shop and get this guy! It was city like, one way streets and not a great area but we were stuck. A few minutes later, someone started me up and I went to the shop. To my horror, my son was not and had not been there! I panicked! My son was lost in a foreign country, bad neighborhood, no XXXX, I was freaking out!! The owner didn't seem to care, just kept telling people he had just gone to get gas!! I was cursing him out, saying it was " that crappy bike 's fault my sons lost! '' amoung other choice words. People werer gathering to help me, looking, driving around, I almost called the police. 10 minutes must have went by which felt like an eternity when your child is missing in a strange country! But he found his way back, the owner immediately started doing the paperwork, didn't offer a different bike but at that point, I was a wreck and wasn't even thinking of continuing our day. After some discussion, I realized that the owner was only returning my deposit, NOT the fee for the bike! I didn't want to argue, I was an emotional wreck after that whole nightmare, I just wanted to hold my son, go somewhere cool and have lunch and try to get back into vacation mode! When we got home, I called TDBank credit card, explained the whole story and said I wanted to dispute the {$60.00} charge as the bike was defective and we didn't get to " enjoy '' the service as we had to bring them back soon after we started. On XX/XX/XXXX and XX/XX/XXXX, I received identical letters from TDBank stating that " the merchant provided documentation that the services were provided ''. Both times I called and stated that I had thoroughly explained the story, crying at times, and that I was disputing the fee based on quality/defective services/product. On the second call into TDBank, I was told that I would need to provide " proof '' of what happened or they would not discharge it! I asked what proof I could have possibly gotten?? No answer. I asked sincerely, " what should I have done?? '' No answer. I again asked, literally, tell me what kind of proof you're asking for. No answer. I actually called back a few days later because I just couldn't beleive what I was hearing, and sure enough, they said the same thing ... I needed to provide proof. I asked all the same questions again and again got no response, just reading out of the book. I stated I would be filing a complaint with the state, as I felt this was an unrealistic and unachievable request and just an obstacle to not remove the charge. Classic unfair practice, and I asked for their response in writing and they refused. I argued, questioned and pushed back on this ... '' why can't they send in writing what they're telling me on the phone ''?? " Why can't you put it in writing ''?? And again, to no response other than from the handbook.
Company Response: Closed with monetary relief

Timely Response

2018-10-01

Deer Park, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2018-10-01

Bellaire, TX

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: This contract was cancelled and the car was paid off based on the XXXX rate. They received XXXX.This is being reported as a loss. This was not a loss and they're trying to get paid twice for a car that that has been sold. Attached are the last payment paid, before the car was sold.
Company Response: Closed with explanation

Timely Response

2018-10-01

Auburn, WA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2018-10-01

East Rockaway, NY

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2018-10-01

Clifton, NJ

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2018-09-30

Philatelic Center, CA

Struggling to pay your bill

Credit card or prepaid card: Store credit card

Credit card company won't work with you while you're going through financial hardship
Complaint: My XXXX credit card was closed on early this year because I was not making my payments. I contacted XXXX through letters stating that I was going through a financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with XXXX since XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.
Company Response: Closed with explanation

Timely Response

2018-09-30

Keytesville, MO

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I am a lawyer representing my daughter on this claim ( and I am now the subrogee ). On XX/XX/2018, my daughter noticed almost {$800.00} in fraudulent expenses charged against her debit card issued by TD Bank. She notified the bank immediately. On XX/XX/2018, TD Bank denied her claim. In the letter of denial, TD Bank wrote : " You have the right to request documentation used to make our decision. '' The letter had a phone number at TD Bank at which we could call to ask questions. On XX/XX/XXXX ( before receiving the XX/XX/XXXX letter ), we reached that number and requested documentation of the reasons for the denial. The TD Bank representative said the information would be sent to us, but this did not happen. We wrote to TD Bank on XX/XX/XXXX specifically requesting the information. TD Bank did not reply to this letter. On XX/XX/XXXX, we both called and wrote to TD Bank reiterating this demand for the documentation of the denial. Again, TD Bank did not reply. Four months later, TD Bank is still refusing to explain ( or is unable to explain ) the reason for its action. In brief, my daughter suffered a theft from her checking account due to fraudulent use of her debit card. This caused her hardship. She complied with all procedures for submitting a claim. TD Bank is now ignoring our requests for the documentation they promised to provide. This refusal is unacceptable and, we believe, contrary to law. We ask for your help in requiring TD Bank to provide the promised documentation of the reasons for its denial of my daughter 's claim.
Company Response: Closed with monetary relief

Timely Response

2018-09-29

North Hollywood, CA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: When I placed this item I didnt see belt any where all I saw was ring so I thought its a jewrlry ring Also I didnt know Nordstrom rack charge shippings fee under {$100.00} not only I ordered a wrong merchandise now I have to retune it and still cost me This isnt right
Company Response: Closed with monetary relief

Timely Response

2018-09-29

East Rockaway, NY

Money was not available when promised

Money transfer, virtual currency, or money service: International money transfer

Complaint: In XXXX I established wire transfer for the amount of {$5000.00} to be sent to XXXX for the purpose of making a down payment for apartment. The party in XXXX did not receive the transfer yet. TD bank is not able to give an update of what is going on. It is frustrating since I can not find any one to help. I am not able to find anyone in TD bank to solve my issue. Please help urgently. Thank you Regards XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-09-28

Dr Martin Luther King Jr, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2018-09-28

Burbank, CA

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account information incorrect
Company Response: Closed with monetary relief

Timely Response