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 110
2018-06-20
Fresno, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: I contacted TD Bank on XX/XX/2018 to make an inquiry for account # XXXX ( TD BANK XXXX XXXX ) as it reflects on all 3 of my credit reports, I spoke with a TD Bank representative to obtain information on the account and was informed that no information was found for account. TD Bank indicated the account may have been placed with their collection department and was forwarded to " XXXX XXXX XXXX '' which also informed me that no information for account # XXXX was found.
I mailed a letter to TD Bank on XX/XX/18 by first class mail XXXX to follow up and request that the account be removed since no information for the account was verified or provided by either TD Bank, XXXX Credit Card Services and XXXX XXXX XXXX.
I disputed the account with all 3 credit reporting agencies on XX/XX/18 and received results from TransUnion which had failed to investigate TD Bank XXXX XXXX # XXXX and continues to report the aforementioned trade-line without 'proper verification '.
Company Response: Closed with explanation
2018-06-20
Downingtown, PA
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Company Response: Closed with explanation
2018-06-20
Blackwood, NJ
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with monetary relief
2018-06-19
Owls Head, ME
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: purchased a tread mill online through XXXX on XX/XX/XXXX. I decide that I did not want the tread mill and cancelled the purchase on XX/XX/XXXX. I also sent XXXX XXXX from preform an email to cancel the order. On XX/XX/XXXX the company tried to deliver and I spoke to XXXX XXXX ( XXXX associate ) and she said that the order was cancelled and I should receive a refund, the return # XXXX.
I receive another bill from XXXX financing on XX/XX/XXXX, I called and spoke to a representative that informed me that the order was pending and the return should be processed in 10 days.
On XX/XX/XXXX I received another bill from XXXX financing with late fee, I called and they transferred me to a collection agency. I spoke to the associate and he stated that they did not show a return and directed me to submit a claim form.
I submitted the claim form however they show no record of it.
They finally refunded the product but they did not reverse the late fee 's or correct my credit report. It is now XX/XX/XXXX and I am still dealing with this, it has almost been 6 months.
I feel as if they are leading me in circles, this is ridiculous. I have never received the product ...
Company Response: Closed with monetary relief
2018-06-19
So Effingham, NH
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Company Response: Closed with monetary relief
2018-06-19
Hillsdale, NJ
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I have just recently joined TD Bank at the beginning of this year. When I had joined they banker had signed me up for TDBank Debit card coverage. This will allow debit card purchases to be put through on my account if there is not sufficient funds to cover the transaction. During this time I have had some extreme financial hardships I have lost my job, had to help support my mother who was going through a severe separation, and also was helping a family member deal with a XXXX XXXX. During those times my accounts had become lower then usual. I would sometimes have checks bounce, or charges as little as {$1.00} dollar come into my account and cause {$35.00} worth of fees. Over the course of less then 1 year since I have had this account opened I was charged over {$2000.00} worth of overdraft fees. This is only making my situation harder. There have even been times where a {$200.00} charge was returned unpaid and I was subsequently charged more then {$200.00} worth of fees. I have called TD numerous times and they have refunded me a couple hundred dollars worth of the fees but no where near the amount that I have been hit with. I am writing to you to see if there is anything that you can do to help me.
Company Response: Closed with explanation
2018-06-19
Greenfield, WI
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Problem with customer service
Company Response: Closed with explanation
2018-06-19
Gainesville, FL
Wrong amount charged or received
Money transfer, virtual currency, or money service: International money transfer
Company Response: Closed with monetary relief
2018-06-19
Mesa, AZ
Incorrect information on your report
Credit card or prepaid card: Store credit card
Account status incorrect
Company Response: Closed with explanation
2018-06-19
Hayfield, VA
Managing an account
Checking or savings account: Other banking product or service
Funds not handled or disbursed as instructed
Company Response: Closed with explanation
2018-06-18
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with explanation
2018-06-18
Taft, OH
Credit monitoring or identity theft protection services
Vehicle loan or lease: Loan
Billing dispute for services
Complaint: *************THIS IS NOT A DUPLICATE********* I started a 72 mo loan with TD Auto Finance XX/XX/XXXX and in XX/XX/XXXX, I began asking them to apply any extra payments I made to the principal balance. They kept denying that I even made the requests with them so I filed a complaint so that they'd have it in writing. TD Auto finance still failed to apply any of the extra payments I made to the principal, instead applying it to my next month 's minimum due, so I would wind up paying a lot extra in interest.
1. The contract language alludes to a 10 day monthly grace period, but I wasn't notified until the end that this was not a grace period, interest still accrues during those days, and is amassed on the back-end with the principal.
2. The extra payments I made to cover any additional interest were never applied to the principal and interest - despite filing a complaint about it. As a result, more interest accrued that should have 3. I called them on XX/XX/XXXX to dispute the amount owed and for them to stop all collection efforts until they recalculated my whole loan with the payments applied. I called them 4 times again between that day and today, XX/XX/XXXX for an update, providing a new phone number 2 separate times for them to contact me. They've never called, but say they've called a previous # that I explained was no longer valid. When I call, they announce that it went to the " cashier 's department '', and that I'd be called.
4. Despite my dispute to stop collection efforts while the loan is being re-calculated, they have charged an out of the ordinarily large late fee & also reported a missed payment to the credit bureaus.
5. The original contract says I owed {$35000.00} after interest. I had a little less than {$700.00} in late fees which would total : {$35000.00} I have paid to date : {$36000.00}. They claim I still owe approx {$390.00}, which includes an unusually high late fee of {$62.00} ( normal fees are {$24.00} ). In total : they are claiming I have {$840.00} in extra interest. I have, and will continue to dispute this.
Company Response: Closed with explanation
2018-06-18
Palmerton, PA
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with explanation
2018-06-18
Orion Twp, MI
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 XXXXXXXX XXXX XXXX was used without my authorization and consent as a result of identity theft, It is effecting my XXXX XXXX score as it is reporting usage of {$430.00} on a limit of {$500.00}, none of which I used. I want XXXX to report my card as paid in full today to XXXX.
Company Response: Closed with explanation
2018-06-18
Flemington, NJ
Problem caused by your funds being low
Checking or savings account: Checking account
Non-sufficient funds and associated fees
Company Response: Closed with explanation
2018-06-18
Avon, CT
Incorrect information on your report
Checking or savings account: Other banking product or service
Information belongs to someone else
Company Response: Closed with explanation
2018-06-18
Queens, NY
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: On XX/XX/2018 @ approximately XXXX I made a cash deposit through the ATM at the TD Bank Branch, XXXX XXXX. The machine took the money and then returned some. During the transaction and after keeping {$1500.00} - {$1500.00} the machine stopped an error message appeared my card was kept and no receipt given.
I went to branch the next day and was told 3-5 days to solve, then 5-10 days now way past that time I received a letter stating there was " no error ''. I am not permitted to speak with the person making the decision, but was told they " reviewed '' the video and that's it. No documentation, no audit of the machine, no acknowledgment that my card was taken. Bottom line TD does what it wants and I'm out {$1500.00}.
Company Response: Closed with monetary relief
2018-06-18
Chester, NY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-06-18
Boca Raton, FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2018-06-17
Cheverly, MD
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Complaint: I had recently moved to XXXX from XXXX XXXX. I was making a purchase in XXXX, at a XXXX in XXXX blocks from my new residence. The total balance was {$58.00}. The cashier offered a store credit card and debit card both of which came with purchase discount that would apply to that sale. I opted for the debit card only. He took my driver 's license for ID and asked me for a voided check which was required to set up the debit card. I still had an XXXX Driver 's license. My check had my current XXXX address.
He assured me the license was only to be used for proof of identification. The address and information on the check would be used for debit card account set up. I completed the purchase and received a XXXX receipt with a transaction number as proof of account set up but it didn't contain details of what was set up.
Weeks later after not receiving a card, I called the toll-free number called to inquire about the card whereabouts. I got a runaround because even though I could verify my identity the non-US based phone support said they could only pull up my account if I had the card number. They couldn't use a social security number etc. I inquired how to get help without the card number since the purpose of the call was to report that I didn't receive a card and I did not have a card number. I was even told they could not escalate my call to a supervisor without card number verification first. They also couldn't correct my address or do anything to my account or give me any information.
I attempted to call 3 times and always got for an outsourced phone support rep who insisted that they could not help me since I didn't have the card number.
I then went back to the XXXX store. I attempted to gain information there. I was given a similar runaround but finally spoke with a manager who was able to help. Based on looking at my transaction receipt she was able to inform me that they set this up as a credit card and not the debit card I originally signed up for.
She told me the credit card should have come in the mail and that is generally set up with the address on the driver 's license. I reported to her that the XXXX XXXX driver 's license was not to be used for setup purposes and that the XXXX XXXX address was a physical address but was not a mailing address.
She informed me that the store had no ability to see if the card went to XXXX or see if the cashier just had typed my address incorrectly. She also, of course, couldn't then correct any information entered by the cashier. She also informed me that I could not make a payment nor pay off the balance nor close the card because, without the actual card or card number, they would not be able to access the account.
I asked her what I could do since clearly there was a card that went to a rural countryside address that doesn't receive mail or was sent to the wrong address so statements would be going to that same address, and I had no way of getting more information because I didn't have the card.
She advised that the best thing to do would be just to return all the items purchased. I went home gathered the few items that were purchased on the original transaction and returned all but {$30.00} because that item had already been used.
I assumed they would get in touch with me once the card was returned back to them and or to collect the outstanding balance. In the end, after a couple of more attempts to gain information from the corporate phone number side, I gave up and honestly forgot about it.
I forgot about it until a year later when I went to purchase a home and found out that I had excellent credit except for a derogatory report from this XXXX card.
I also learned that the {$30.00} balance had ballooned to {$270.00} because of late fees and service charges.
I was finally able to talk to someone in the collections department a year later after they sought out figured out a way to contact me. I asked why XXXX made no attempt to contact me before the case got that far especially since they must have received the card back from the address and it was never activated? After reporting what happened in the occurrence they were unwilling to waive any of the late fees or service charges even though again I never received the card and they most certainly got it back since it was never mailed to my XXXX address nor could it have did mailed successfully to my XXXX XXXX address.
Also, they refused to help even though I specifically requested a debit card and gave the cashier a voided personal check yet they opened up a credit card account without permission.
This XXXX incident remains the one piece of derogatory/negative information on my credit report.
Their lack of competent US phone support staffed by people who could comprehend the situation was a problem.
Their system that requires you to have a card number even when you're inquiring about not receiving a card is a major oversight in their customer service delivery model.
Their practice of not employing methods to contact a person until it goes into collections and has outrageous fees is unethical.
They were completely unaccountable for their unscrupulous practice, the {$250.00} worth of fees ( 8x the original amount ) on a {$30.00} balance and the unauthorized setup ostensibly stemming from for poor staff training and the whole thing is malicious and predatory.
Company Response: Closed with monetary relief
2018-06-17
Alexandria, VA
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Privacy issues
Company Response: Closed with non-monetary relief
2018-06-16
Glenarden, MD
Managing an account
Checking or savings account: Checking account
Fee problem
Company Response: Closed with non-monetary relief
2018-06-16
Bronx, NY
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: XX/XX/2018 TD Bank Reversed A Provisional Credit Back To My Checking Account And My Account Is Negative - {$210.00} and my account is being used for Social Security Direct Deposit and TD Bank Claims There Going to Keep Money From My Social Security Check and this transaction was a Fraudulent Charge and TD Bank Denied the Investigation For The Claim USPS And i did not do this transaction please help me resolved this problem TD Bank is Stealing My Money Off My Checking Account
Company Response: Closed with explanation
2018-06-15
Managing an account
Checking or savings account: Checking account
Cashing a check
Company Response: Closed with explanation
2018-06-15
CA
Trouble using your card
Credit card or prepaid card: Store credit card
Can't use card to make purchases
Complaint: Consumer Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX PMB # XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX ( XX/XX/XXXX ) SSN:XXXX E-mail : XXXX Phone # : ( XXXX ) XXXX Company/Credit Card Info : XXXX XXXX XXXX is the issuer of Nordstroms Credit Card Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card # : XXXX XXXX XXXX XXXX experation : XXXX cvv/security code ( on back of card ) :XXXX last 4 digits of account # :XXXX Account opening date : XX/XX/XXXX My complaint is regarding the the following : 1.The initial Credit Limit that was set, {$2000.00} 2.A Block placed on the card preventing future use. This was done by the Fraud Department of the issuing bank 3.Change in credit Limit to {$1000.00} I applied for a retail Nordstrom 's Credit Card on XX/XX/XXXX in person at the Nordstrom 's Store in XXXX XXXX, XXXX XXXX XXXX XXXXXXXX .
I used my Driver 's License to identify myself and after filling out an application with a Nordstrom 's Salesperson they said my Nordstrom 's Retail Card ( for use only at Nordstrom 's Stores ) was approved and that my credit Limit was {$2000.00}. They also said that on that particular day I could earn Triple Reward Points for every dollar I spend.
That being said I decided to do some shopping the same day using a temporary card, printed as Barcode on receipt paper. I made several purchases and had used close to 50 % of my credit limit the same day I opened my account. I wanted to make one last purchase that day ... that would put me at a little over 50 % of my credit limit. My card was declined and blocked ... even though I was told my credit limit was {$2000.00}. Even the sales person was shocked ; because usually the only reason a card would be blocked was if their was extensive late payments, but seeing how it was a new card ... they saw no reason for such a block to be in place.
About 2 days later ... .I called Nordstrom 's to see what the problem was, and they said after a more thorough review of my credit score/report they decided to reduce my credit line to {$1000.00} and that the block would remain in place until the balance was paid off completely and that after the balance was {$0.00} I'd have to wait 20 days until I could use my card again ... even if there were no late payments on my card ... it was still blocked by the Fraud Department ... I later asked who the " Fraud Investigator '' was, and their name is " XXXX '' I believe.
This is after I had properly identified myself using my Driver 's License and even made several payments there after ... .a block was still in place. They, The Fraud Department said it was for my protection.
I believe they were discriminating against me because of how I spent so much of my credit line on the same day the card was opened ... and then decided to reduce the credit line ... in other words I believe they may not have thought I was being financiall responsible ... or thought I was not who I said I was ... but still ... .even after I had made payments the block was still in place ... I could not take advantage of any sales Nordstrom 's had and I was embarassed when my card was declined when I was trying to make a purchase on the day I opened the card.
Here 's an analogy I can give you to better describe how I felt : Imagine you're in the market for a new car ... you go to your local car dealership and speak with the finance manager, and ask them to check your credit to see how much a bank is willing to finance to get a card. The manager returns and says " XXXX XXXX XXXX will finance any car you want up to {$20000.00} '' So you start looking around the lot and find a car you like, that cost {$20000.00}. You then ask the salesman to test drive it ... .you take it for a drive for 30 minutes ... and like it and decide that's the car you want to buy. As you sit down and start doing paperwork to complete the sale ... the finance manager comes over and says .... '' we're sorry but we looked at your credit report again and XXXX XXXX XXXX XXXX has decided to only finance a car for you up to {$10000.00} '' ... .so now you can't by the car you want. So you then you pick out and buy a {$10000.00} car ... .but you as you try to drive it off the lot..the air bag randomly deploys ... you weren't in an accident ... but the salesperson says ... '' We're sorry ... that's just for your safety ... we want to make sure you don't hurt yourself ... it will deflate and you can drive it away after the airbag is repacked ... after you pay XXXX XXXX XXXX {$10000.00} ... owe and then it will be 20 days until you can drive the car without the airbag being inflated '' For the record ... when all the above happened ... there was know Fraud Alert issued by the Federal Trade Comission ... I did not call the FTC and say..please block any new credit card accounts from being opened in my name ... or if I do apply for a credit card please contact me personally to ask for identiity authentication to ensure it is in fact myself, XXXX XXXX XXXX, applying for a credit card .
I would have preferred for Nordstroms/TD Bank to take their time ... a few days ... .may a week or two ... to thoroughly review my credit card application ... and not flip flop on their initial credit line of {$2000.00} Irecognize that in the fine print ... of the application ... they may have the authority to change credit limits etc, but I believe they may have abused their power to do so by blocking my card ... because as a new customer ... they did not like my spending habits ... without having a payment history to show whether or not I would pay the balance off. That I believe is unfair, and the result is they embarassed and humiliated me.
They did finally remove the block off my card after I persisted for several months..making payments and complaining about my card being blocked ... but all of this could have been prevented if the bank took more time to decide on a credit limit.
Company Response: Closed with non-monetary relief