TD BANK US HOLDING COMPANY
Consumer Complaints
There are over 10902 complaints on file for TD BANK US HOLDING COMPANY. Dated between 2019-12-04 and 2011-12-01.
Complaints Page 104
2018-07-17
Manhattan, NY
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: On or about XX/XX/XXXX, I realized that my checking account balance, which is always high, was not adding up. I saw checks being honored for large amounts that I did not write ; they were forged. I reviewed my statements going back and found a total of 66 checks, many for small amounts, that were not signed, not endorsed, illegible, or otherwise obviously not from me. I have been writing checks with this bank since XX/XX/XXXX. They were mostly written to " CASH. '' I went to the bank and filled out 66 Affidavits of Forgery. I was promised an investigation, and given a new account. A week later, I called. I was told the Affidavits were " misplaced. '' Finally I was contacted by an investigator who gave me a phone number to call and a case number. A few days later, I was contacted again by someone who did not give me her number. Over a week passed with no updates, and no refunds to my account ( this adds up to approximately {$10000.00} ). I called the number given and found that it does not work and does not give me the fraud department. I called my bank and was told they could not call the investigator but had to email her to get in contact me -- who knows how long that will be. I have been with this bank, as mentioned, since XX/XX/XXXX. I have lots of money with them. The bank grossly ignored banking regulations and the XXXX in honoring instruments that were defectively filled out and not written by me. Literally, they apparently would honor any check anyone stole from me and filled partially out.
Company Response: Closed with explanation
2018-07-17
IL
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Card was charged for something you did not purchase with the card
Complaint: My account was stolen on or around this XX/XX/2018 -current I have been reaching out to XXXX to get this matter resolved there were foreign tranactions on my account that have not been refunded back to me that I didn't authorize I faxed and mailed all the documentation XXXX asked me to return yet each time I am on the phone with a customer service agent they say they either have the fax /mail or don't have it one rep said they had the documents and they are being reviewed the other rep said they didn't have the documents each time I call there is a different answer
Company Response: Closed with monetary relief
2018-07-17
Foothill Ranch, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: On XX/XX/XXXX I noticed my credit score had dropped nearly 150 points and my credit limit on my XXXX credit card had been reduced from {$2000.00} to {$200.00}. I called them and they said Id had a delinquent balance of about {$9.00} beginning in XXXX of this year when I thought I had paid it. Between then and now I did not once receive any notification from XXXX that I had a balance. Nor did I recieve notification that my credit limit had changed. I have not used my card for several months as I rarely visit XXXX stores and I had gift cards so I didnt need to use my credit card.
Company Response: Closed with explanation
2018-07-17
Edgemont, NY
Closing an account
Checking or savings account: Other banking product or service
Company closed your account
Company Response: Closed with non-monetary relief
2018-07-17
Flushing, NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2018-07-17
Clifton Park, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Company Response: Closed with explanation
2018-07-17
Hornell, NY
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem while selling or giving up the vehicle
Company Response: Closed with non-monetary relief
2018-07-17
Dixmont, ME
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2018-07-16
South Florida, FL
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't increase or decrease your credit limit
Complaint: TD Bank discriminates based on Race. Despite opening similar credit cards at the same time, both linked to a joint checking account, my husband ( XXXX last name ) has received multiple credit increases automatically, while I've never received a single automatic increase. In fact, when I requested one, I was given an increase of XXXX .
All this is despite the fact that I have a higher FiCO score and a higher paycheck.
Literally the only difference between us is that I have an XXXX last name and he has an XXXX one.
I contacted the bank and got a run around. I was basically told to call a different department and request a credit limit increase, something that my husband had never once had to do. They are attempting to hide behind late payments. Which is ridiculous, since we pay the bills for both cards almost concomitantly. In any case, that would not account for the disparity at this point ; which my husband at XXXX limit and me at XXXX ...
That's the subtle way that financial institutions continue to discriminate against customers of XXXX decent. I can provide documentation in the form of both accounts for a comparative analysis.
Company Response: Closed with explanation
2018-07-16
Mason, OH
Fees or interest
Credit card or prepaid card: Store credit card
Charged too much interest
Company Response: Closed with monetary relief
2018-07-16
Scottsdale, AZ
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: Two fraudulent charges were made to my credit card. Both charges were for the amount of {$480.00} and were paid to XXXX. The first charge was made on XX/XX/XXXX and posted on XX/XX/XXXX, the second charge was made on XX/XX/XXXX and posted on XX/XX/XXXX. I reported the fraud to the card issuer and they got back to me in writing stating the fraud was suspected and issued a credit to my account for {$480.00} for the first charge, the XX/XX/XXXX activity. When I did not get a disposition on the latter fraudulent charge a called and asked them to reopen the case to include the second fraudulent charge. They said they would but it has been 2 months and I have not gotten a refund for the charge nor an explanation. I have called customer service at least 8 times and they see the problem, but can't resolve the issue. I spoke with a supervisor 10 days ago and she assured me she would take care of the fraudulent charge yet it still is on my statement as a legitimate charge, in fact, they are charging me interest on a bad charge.
Company Response: Closed with monetary relief
2018-07-16
Herndon, VA
Managing an account
Checking or savings account: Other banking product or service
Banking errors
Company Response: Closed with explanation
2018-07-16
Soddy Daisy, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have paid off my Credit card balance on my target red card. However that collection is still showing on my credit report.
While paying balance off, XXXX credit department promise me that, this will go off from credit report once balance paid off.
Need help on removing this collection from my account.
Thanks & Regards, XXXX
Company Response: Closed with non-monetary relief
2018-07-16
Newark, DE
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2018-07-15
Dallas, TX
Closing an account
Checking or savings account: Checking account
Can't close your account
Company Response: Closed with monetary relief
2018-07-13
Nyc, NY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-07-13
Skipperville, AL
Getting a loan or lease
Vehicle loan or lease: Loan
Changes in terms mid-deal or after closing
Company Response: Closed with explanation
2018-07-13
Wilmington, DE
Fraud or scam
Money transfer, virtual currency, or money service: Traveler's check or cashier's check
Complaint: I was emailed and offered a data entry job that was supposed to be a stay at home job working on a company computer for XXXX XXXX XXXX from an XXXX XXXX XXXX. I was asked to interview and accept job offer via XXXX XXXX to a XXXX. Upon reviewing job, interviewing and accepting he advised the finance dept. would be mailing me a check of {$4800.00} and i would use this to purchase materials such as a laptop, all in one printer/scanner, and the software needed for the at home position to set up a home office. I received the check and in it came an instruction sheet to email XXXX which is the ( finance dept ) and let them know i have received the check and send them a copy of the deposit slip. A few days later i went and deposited the check and the next day it was available. I thought to myself if this was a scam the check would have bounced and the bank would not make the funds available. I was wrong because the next day the funds were available. The " manager ' on XXXX hangouts then instructed me to buy XXXX gift cards with the money totalling {$2000.00} and send him a picture of the receipts and back of the cards. He said this would be the funds we would send to the vendor on XXXX so we could purchase the materials for work. He then instructed me that he wanted me to take out the remainder of the money and send it to another vendor for the software via XXXX to XXXX pay and this is the info he gave me. Sending to XXXX XXXX XXXX Tx XXXX via money in minute service. Then he told me this should ensure the equpiment for work would be sent out so I can start work soon. he said he was in a rush because he wanted me to start work ASAP. He then told me there was a problem and i needed to go get a refund for the XXXX pay and i did for the {$2000.00}. Then he tried to send me to places near my address to send the money a different way. I told him those stores do not offer any money services and the info he gave me was sending to XXXX XXXX XXXX XXXX XXXX XXXX .He then told me to use that money and purchase more XXXX cards. Then with the remaining {$800.00} he told me to purchase another {$500.00} XXXX card and the rest was mine to keep as payment from the company. The next day i saw that my account was negative and called my bank to see why because i rarely ever let my account over draw, they explained it was because the check was returned. I explained to the person i was speaking to on the phone about what happened and she told me to file a police report. I did file a report and called the fraud dept from my bank and explained the situation and also that i had filed the police report. The woman advised me i was " definitely scammed '' and advised me the account is frozed due to the status. I asked how what we could do fix this problem because i dont have {$4800.00} laying around to pay the money back, the bank has basically took any of my own existing money in the account, i have no access to my account and i have bills i need to pay. The fraud dept. basically said they can not help me because they don't consider this to be fraud and that i can sign up for a payment plan to pay off my {$4800.00} balance on top of the returned check fee and over draft fee. They also advised if I do not pay this balance off in a certain amount of time it will be carged off adn affect my credit. I also recevied another check from " XXXX '' yesterday for {$5000.00} which i have not and will not deposit.When i reach out to XXXX via XXXX hangouts they adivse me they are contacting finance dept to see why the check was returned ( which i don't believe ) I also have photos of all gift cards and receipt, i was having trouble uploading them to this complaint.
Company Response: Closed with explanation
2018-07-13
Staten Island, NY
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: I have a personal loan with TD bank. I paid it online through my XXXX checking account. TD Bank ( as many other vendors ) can't get an electronic transfers from XXXX directly, so XXXX issues paper checks and sends them through a regular mail. I took this loan in the spring of XX/XX/XXXX and up until XX/XX/XXXX there were no problems - I made payment online, XXXX cuts and sends the check, TD deposits the check. Starting on XX/XX/XXXX of this year all my payments started returning to back me. Every time I called, I got the different answer : it's XXXX 's fault, we didn't get anything, we don't know, the company that XXXX uses is at fault, maybe an account number is incorrect and I have to add XXXX XXXX before the account number ( didn't work ), the mailing address is incorrect ( I copied it from TD web site ). TD 's system is being updated, etc. TD bank also switched me on " no paper '' billing, even though I didn't ask for it and, even though, many times I asked to get back to paper bills, there are still no bills at all, not over the mail, nor by email. I get call, from tine to time though, when unidentified person asks me to confirm my address and DOB. when I ask why, I am told that they couldn't tell me unless they have a confirmation first. My explanation about potential identity theft falls into a deaf ears. Meanwhile, every once in a while TD bank fines me for not paying in time, which obviously could reflect negatively on my credit history. Once I was advised to pay through they web interface, which I tried. Twice I managed to do it, but every time it took two weeks of attempts to get through.
Company Response: Closed with monetary relief
2018-07-13
Falmouth Foreside, ME
Unexpected or other fees
Money transfer, virtual currency, or money service: International money transfer
Company Response: Closed with monetary relief
2018-07-13
Pittston, ME
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: The HELOC 5 year draw period was due. Current average payment of HELOC was {$340.00} per month. All financial forms that were required were faxed to TD Bank as requested on XX/XX/XXXX with confirmation of successful fax. A letter was sent from TD Bank dated XX/XX/XXXX stating the HELOC was not approved with increase in payment to {$1000.00} per month. Local XXXX TD bank was called on XX/XX/XXXX and XX/XX/XXXX with local bank unable to confirm why the long standing HELOC was denied and repayment of {$1000.00} required. They stated they were unable to review reasons for denial. XX/XX/XXXX TD customer service was called at XXXX. Customer representative, XXXX, was unable to give a reason for the denial of continued HELOC stating " phenomenal credit score ''. The number to the renewal team was given on that date by XXXX with call made onXX/XX/XXXXand left message. Unfortunately, despite the TD bank recorded message that all calls would be returned within 24 hours no response from the renewal team has been returned one month later. My, DPOA, daughter went to her local TD bank in XXXX on XX/XX/18 and spoke to assistant manager who assured her that she would be contacted the next day. She was not called with an explanation as stated. No call was made. A call was made to the assistant manager in XXXX on XX/XX/XXXX with message left and still no return call. After completing a customer service form on line for TD bank a phone call was finally received from TD bank. The representative stated that a modification had been arranged with repayment decreased to XXXX. When questioned why a XXXX, XXXX y.o. widow, with phenomenal credit score, increased income over the past five years and no additional debt was not again renewed for HELOC the response was there must have been changes with XXXX XXXX or XXXX XXXX. When questioned what the new rules were compared to five years ago the response was " I don't know ''. I am still awaiting an answer as to why the approval did not go through. Again, no late payments, phenomenal credit score, increased income. Only change over the past years was the age of the applicant.
Company Response: Closed with explanation
2018-07-13
Bloomington, MN
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Card was charged for something you did not purchase with the card
Complaint: In XX/XX/XXXX I opened a Nordstrom store account. My purse was stolen with all my personal information including account information from Nordstrom. Charges in the amount of {$280.00} were made at the Nordstrom without my consent nor knowledge. At this time charges were also made to my XXXX XXXX and XXXX XXXX. I filed fraud claims with Nordstrom in XX/XX/XXXX.. On XX/XX/XXXX I spoke with XXXX Nordstrom Fraud Investigator and was told that my claim was denied back in spring of XX/XX/XXXX. I never received any information stating that my claim was denied, in fact when I called Nordstrom a few days prior to speaking with XXXX I was told that my case was still opened. I am basically accused of making the charges due to the fact that the photo copy of my Drivers License is not current. I have always kept 2 Drivers License on hand in case one is ever lost or stolen. I did not make any charges on my Nordstrom account to be held responsible. Because of this Nordstrom is reporting negative information.
Company Response: Closed with explanation
2018-07-13
Jupiter, FL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Collected or attempted to collect exempt funds
Complaint: On XX/XX/2018 the company by the name of XXXX XXXX XXXX, XXXX. XXXX XXXX. Located in XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Took out {$900.00} dollars from my XXXX XXXX XXXXXXXX account. When contacting them they said it was for a Credit Card from XXXX from more then 10 years ago.This " Debt '' that they were referring to does not even exist in my credit report. In the State of Florida there is a Statue that states within 4 - 6 years a debt can no longer be collected. Also I have been making payments to this same law group about 4 years ago. So on this day they took all the money from my account and had the bank freeze my account for no legitimate reason.
Company Response: Closed with explanation
2018-07-13
New Cassel, NY
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Closed with monetary relief
2018-07-13
Bronx, NY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with monetary relief