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 120
2018-05-01
NY
Problem with a purchase or transfer
Credit card or prepaid card: Government benefit card
Charged for a purchase or transfer you did not make with the card
Complaint: On XX/XX/2018 was my official day of receiving Welfare in the State of New York I went to ATM TD Bank on XXXX XXXX, XXXX and the newly install ATM in this Bank or Store did not accept the EBT Debt Card from the State of New York Welfare and I was not able to withdraw money from the EBT Debt Card is this legal that EBT Card is not able to used in this bank or store and is the United States Department of Agriculture aware that many or the ATM in the United States are not acceptable or capable of reading the EBT Cards and is this legal please investigate and all misconduct and mismanagement found all individuals involve be converted according to United States Federal Regulations
Company Response: Closed with explanation
2018-05-01
Chester, NY
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: I received a gift card from a student for XXXX from TD bank Because I didnt use the card until now the funds have been depleted for inactivity, although there is an expiration date of XX/XX/XXXX I wanted to know if this is legal since I did receive other cards from other banks at the same time and have been able to use them And if it is legal, it is certainly not fair.
I hope that you can help me in this matter
Company Response: Closed with monetary relief
2018-05-01
Key Biscayne, FL
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: TD Bank refuses to give money back that was taken from my account fraudulently.
On XX/XX/XXXX, my wallet was stolen after shopping for groceries at the XXXX near my home on XXXX and XXXX, XXXX XXXX. Several of my credit and debit cards were compromised. While one financial institution notified me by text within minutes of someone using my card, I was unable to contact TD bank for over an hour. I filed a police report immediately.
I ultimately had my drivers license replaced and had a Fraud Notification placed through the three credit agencies. All of my banks refunded the monies except TD Bank.
I have been a customer of TD Bank since I moved from XXXX in XX/XX/XXXX.
All of my payroll checks have been direct deposited into my account, totaling over $ 200K. There is no emergency number to contact if a card is lost or stolen and I have given no reason to suspect that I committed a fraud. I have never even bounced a check. I am a XXXX XXXX XXXX! .I would appreciate any help in having my money returned. I am a single working Grandmother of XXXX and can not afford a {$610.00} loss.
I have provided a copy of the police report, copies of letters indicating fraud from my other financial institutions and my wallet was found by the side of the road by police, several weeks later, and given to a TD bank teller at a different location. ( See attachments ) Still TD bank refuses to return my money.
Company Response: Closed with monetary relief
2018-04-30
Edgemoor, DE
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with explanation
2018-04-30
Boston, MA
Trouble using the card
Credit card or prepaid card: Gift card
Trouble getting information about the card
Company Response: Closed with monetary relief
2018-04-30
Plymouth, FL
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Complaint: TD Bank has refused to allow me the opportunity to plead my case with the appropriate department/manager. I contacted TD Bank on XX/XX/2018 and was transferred to the Fraud Department as my wife and I had an account that was on a " no check activity '' status due to fraud. This account was supposed to be closed already, but we resolved that on the phone already. The supervisor in the Fraud Department helped my wife open a new account. Once this was done, we were hung up on. When we called back and stated the same information, we were transferred to a supervisor who continued to belittle myself and my wife as well as say " no thank you '' when we asked for a manager and this individual ( whose name is XXXX, I beleieve ) kept hanging up on us. I then spoke with TD Bank today, who confirmed this individual put all of my other accounts in a " no check activity '' status due to the serious delinquency. The delinquency exceeded {$1100.00} and of that, 27 fees were assessed at {$35.00} each, totaling {$940.00} in fees.
My son receives Social Security XXXX checks. That money is used just for him to get things he medically needs. It's unfortunate that the bank has allowed me to get this negative with that many fees, and fees being assessed BECAUSE of fees. The bank is essentially stealing from my son, who desparately needs his XXXX to get things he needs to live.
I request that an individual with a heart at TD Bank look at our situation, while considering that we fell on hard times, and refund the fees so we can at least start getting back on our feet. Without those fees being refunded, my son will go without things he needs to survive.
Company Response: Closed with explanation
2018-04-30
Middletown, DE
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Complaint: My wife and I had a consolidation loan, checking acct with TD Bank. Last XX/XX/XXXX we went into the local branch to conduct some business and the representative asked us if we were interested in a credit card. They said if we spent so much we would get {$150.00} back. This sounded interesting. When they ran my credit, I was awarded a credit card with a {$20000.00} limit and my wife was awarded one with {$7800.00}. I was shocked because I know I have a lot of things going on with finances. She said we could consolidate debt, take a cruise, etc. So based on all this information she sold us on, we accepted the terms.
So I used my card to payoff 2 credit cards which was about {$7500.00} and put another {$5000.00} on the card for about {$12000.00} in use.
Then around XX/XX/XXXXof this year they send me a letter saying they ran my credit and based on that, they would have to reduce my credit limit to {$13000.00}. They also said another reason was I was delinquent on my last payment. Delinquent, excuse me! Delinquent is when you are more than 30 days late not 4 days late. I happened to be sick during that time is the reason It was 4 days late.
This Bank sold me a bill of goods to open up two new credit card accounts. I expected them to honor that obligation.
If you look at the reason my credit score was what it was when they not only approved me for a credit card but for {$20000.00}, it pretty much matches the reasons they now say they have to reduce my credit limit. Yes my score is lower but it's still good.
It's ironic, I had a consolidation loan with this bank and they give me a credit card. I actually paid off the consolidation loan prior to them reducing my credit limit.
I'm sick and tired of financial institutions playing XXXX with folks. They seem to do whatever they want without a penalty yet the honorable consumer gets screwed.
Yes I put money on that card, we're in the process of fixing up our house to sell it. Isn't that why I have a card is to use it when I need to?
I have done nothing to this bank to place any doubt on whether I can honor my obligations because I always pay my bills. But my bank has now turned against me and reduced my credit limit. I was at a 63 % debt ratio and by them reducing my credit limit that has changed to 93 %. This will certainly cause my score to drop even further.
If we sell our house in the next 2-3 months, I will be shopping for a mortgage and now by TD bank actions, my score will be even lowered which may affect what kind of loans we can get. I feel betrayed by this bank. The ironic thing is despite our circumstances this bank still sends My wife and me mailers to do business.
There is something seriously wrong here when Financial Institutions can play XXXX with peoples credit scores. They sold us a bill of goods for us to open up credit card accounts. I have honored my obligations and they have reneged on theres.
Their actions are going to lower my credit score even lower which is what I don't need now. I have done nothing to deserve this. I have fulfilled all my obligations with this bank.
I currently have a checking account and this credit card account with them. I had a consolidation loan with them which I paid off ahead of time and this is how this bank chooses to treat this customer. They should be ashamed of themselves.
Company Response: Closed with explanation
2018-04-30
San Gabriel, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have over 10 inquiries on my credit report Im a victim of identity theft I also have police report confirming this information
Company Response: Closed with non-monetary relief
2018-04-30
Santa Clara, CA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Report provided to employer without your written authorization
Company Response: Closed with non-monetary relief
2018-04-30
Brooklyn, NY
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Company Response: Closed with monetary relief
2018-04-30
Asheville, NC
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-04-29
Ocean City, MD
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-04-28
Ambler, PA
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with explanation
2018-04-28
CT
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: We are asking for assistance with identity fraud issues with TD Bank.
Please help as to resolve these problems. During two months we were fruitlessly trying to solve the problems by ourselves and regain our lives back.
We understand now that we need as much help from your agency as possible. It took more than two months of endless communications and cost the deteriorating health problems, as XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.
In XX/XX/XXXX of XX/XX/XXXX we obtained a TD Bank Cash Reward Credit Card. We started using it as our primary card and always paid it in full upon receiving the billing statements. Around XX/XX/XXXX we had received a letter from TD Credit card, saying that our request of changing our mailing address to XXXX XXXX XXXX XXXX, XXXX FL, XXXX was satisfied. Neither one of us primary card holder nor secondary card holder, requested this change of the address ; none of us moved to XXXX XXXX XXXX XXXX, XXXX FL, XXXX, and moreover, we had never even visited it.
Immediately, upon receiving the letter we informed the XXXX credit bureau, that our TD card was hacked.
We called to the TD credit card and spoke with Customer Service Representative, explained that the request was an identity fraud and asked to fix our records. We were told that she would fix this problem, would null the compromised card, and would send the new credit card.
Around XX/XX/XXXX we had received a new credit card and thought the problem was solved.
After using this new card for a week, we realized it stopped working and we had called the TD bank credit card again. We were told by another Customer Service Representative, that someone went online and had changed our mailing address. She assured us that she would fix the problem and make our online profile ( which we never created at that point ) blocked. We do not know if the fraudulent address was ever changed after our first call, or someone changed it again.
The new ( the third ) card arrived in around XX/XX/XXXX. It was used only for several days, before stopped working on XX/XX/XXXX.
When we had called TD bank on XX/XX/XXXX, they told us that the card was declined, because we did not pay our bills. We checked our billings and realized, that the very last thing we had received from TD Bank ( except for the new cards ), was the letter notifying us about the changes of our address ( about XX/XX/XXXX ).
The Customer Service Representative we spoke was pretty rude, and although we explained that we had an identity theft and did not receive any statements after the statement for XX/XX/XXXX XX/XX/XXXX, he refused to mail us another copy and demanded that we just paid the bill without even looking at it. We called back in immediately after this conversation and spoke to another Customer Service Representative, who told us that they keep sending billing statements to XXXX XXXX XXXX XXXX, XXXX FL, XXXX, in spite the fact that first two Customer Service Representatives supposed to delete long time ago. This fourth Customer Service Representative deleted this fraudulent address and mailed us the billing statement for XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXX.
The statement for XX/XX/XXXX XX/XX/XXXX still was not mailed!
After trying to complain to the Customer Care in XXXX XXXX bank at XXXX on XX/XX/XXXX, we were told to go to our local branch in XXXX.
Finally on XX/XX/XXXX we had received the billing statement for XX/XX/XXXX- XX/XX/XXXX at XXXX TD branch on XXXX XXXX.
After review of this statement we had learned that : Someone used our account for unauthorized money transfer of {$5100.00} on XX/XX/XXXX, and then transferred back {$5100.00} to our account on XX/XX/XXXX
The TD bank charged us {$150.00} for the money transfer, which is now - our burden to dispute. On XX/XX/XXXX we finally were transferred to the fraud/dispute department, where they took the information from us.
Our XXXX reward points were redeemed by someone who lives at XXXX XXXX XXXX XXXX, XXXX FL, XXXX XXXX Fl between XX/XX/XXXX - XX/XX/XXXX - after the 3rd card was issued.
Based on multiple communications with the customer care representatives, we suspect that 1 ) changes of the address, 2 ) unauthorized money transfers and 3 ) unauthorized monetary cash redemption of our points were done by someone who had an access to internal information and ability to make changes to our account.
Whenever we brought these concerns the attention of the customer service representatives, our complaints were ignored and the problems still remain.
To date we already : had unauthorized money transfers have fraudulent change of address and identity fraud discovered that we had incurred various fees associated with the unauthorized money transfers Incurred late fees for not paying the bills, because bills were send to the fraudulent address had been deprived of XXXX cash reward points, which are equal to {$440.00} {$460.00}.
spoke to 12 different customer service representatives and spend from 45 minutes to two and a half hours on each transaction without any ability to solve the problems.
Although we were told that the reward points would be returned back to us and these late fees were waved, we still have to dispute the fees associated with the unauthorized money transfers, and we are terrified to feel that someone preys on our personal and financial records.
We ask your assistance in 1 ) waive all unauthorized fees and transactions, 2 ) investigate the unauthorized address change, Attachments : The listing of residents registered to the address at XXXX XXXX XXXX XXXX, XXXX FL, XXXX XXXX Fl from database called XXXX XXXX : XXXX : XXXX Copy of billing statement for XX/XX/XXXX XX/XX/XXXX with the fraudulent address, unauthorized transactions and redeemed points to this address. ( amount is paid off except for the {$150.00} for unauthorized transaction fees, which is on dispute from XX/XX/XXXX.
Copy of billing statement for XX/XX/XXXX XX/XX/XXXX, which was mailed to us after we called on XX/XX/XXXX.
Company Response: Closed with monetary relief
2018-04-27
College Hill, PA
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 explanation
2018-04-27
Three Bridges, NJ
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: TD Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation
2018-04-27
Gordon Lakes, NJ
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-04-27
Surrey, ND
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation
2018-04-27
Bess, AL
Incorrect information on your report
Vehicle loan or lease: Loan
Account status incorrect
Company Response: Closed with explanation
2018-04-27
Scottsdale, AZ
Closing an account
Checking or savings account: Checking account
Can't close your account
Complaint: I tried to close my account on XX/XX/XXXX and there was a maintenance fee charge of {$25.00} that was refunded however had to call back the next day to close the account. I did not get around to calling tillXX/XX/XXXX and was charged another {$25.00} Maintenance fee for an account that has not been in use for the last 2 months. The customer service representative said I had to pay the {$25.00} before closing my account. I told her that I'm not paying for something that I am not using. I used all the funds in the account to buy a house and left the account with XXXX funds in XX/XX/XXXX.
I don't have time to keep calling and the account should have been closed the first time I called. Why did I have to call back again and did call back in the same month an now have another fee and can not close the account. I requested to speak to a supervisor and was on hold for 15 minutes. The supervisor refused to close my account unless I paid the fee. This is an UNFAIR DECEPTIVE ABUSIVE PRACTICE. I would like my account closed and fees waived. Also TD should not be reporting me to XXXX XXXX for fees that I'm not responsible for.
Company Response: Closed with monetary relief
2018-04-27
Clarksburg, MA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with monetary relief
2018-04-26
Gulf Breeze, FL
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with explanation
2018-04-26
Ogden, UT
Communication tactics
Debt collection: Auto debt
You told them to stop contacting you, but they keep trying
Complaint: Multiple wrong # phone calls made with an auto dialer from TD Auto Finance, no tcpa consent given. Efforts made to answer calls with no one on the line, and contact made and advised that wrong # and do not contact request given, continued calls the same day and the following day.
Date Time Note XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Answered to advise Do Not Contact, no one on the line for several seconds then they disconnected the call.
XX/XX/XXXX XXXX XXXX Answered spoke with a female who asked for XXXX XXXX or XXXX?, advised that they have the wrong #, not to contact this phone # again that this is a place of employment, agent said have a great day and disconnected the call.
XX/XX/XXXX XXXX XXXX Called again the same day despite previous Do Not Contact request, answered to advise of this, but no one on the phone for several seconds and then they disconnected the call again.
XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail
Company Response: Closed with non-monetary relief
2018-04-26
Durham, NC
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I have tried to communicate with both credit bureau and company about removing this debt of my report. This Nordstrom card was my mom who has passed away. I was an authorize user. They have been contacted back in XX/XX/2017, I don't have exact date. However they are not removing my name off the card and has been passed on my credit report as charged off. I want it removed.
Company Response: Closed with non-monetary relief
2018-04-26
Boynton Beach, FL
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Closed with explanation