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 143
2018-02-01
Maynard, MA
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
2018-02-01
Tewksbury, MA
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2018-02-01
Arco, CA
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: XX/XX/2017 my XXXX credit card was charged without my authorization for a particular charge from XXXX XXXX XXXX XXXX. I called XXXX to initiate a dispute who referred me to the city of XXXX XXXX who actually assessed the charge. I then called XXXX XXXX XXXX who over a 4 day period made me call XXXX on a conference call with two of their customer service reps. Who both did not understand the validity of the charge, the agents submitted my formal dispute on day 5. After 30 days XXXX denied my dispute because XXXX replied stating they charged my account correctly. I have called 6 times over a 4 week period and my calls to XXXX Credit Cards dispute department have all been rejected. This company has told their reps. not to transfer me and that the dispute is final. NO COMPANY CAN DETERMINE WHAT CHARGES TO A CONSUMER ACCOUNT MAY OR MAY NOT BE AUTHORIZED. I FILED A CLAIM WITH THE CITY OF XXXX XXXX WHO CHARGED MY ACCOUNT AND THEY HAVE YET TO PROVIDE DOCUMENTATION AS TO THE CHARGES VALIDITY. XXXX IS UNDER OBLIGATION TO THEIR CUSTOMER TO FILE TRANSACTION DISPUTES EFFECTIVELY AND IN A TIMELY MANNER
Company Response: Closed with explanation
2018-01-31
Brooklyn, NY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-01-31
Fountain Hills, AZ
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
Company Response: Closed with explanation
2018-01-31
Miami, FL
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
Company Response: Closed with explanation
2018-01-31
Gloucester City, NJ
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2018-01-31
Cheshire, OR
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: This number has called nearly every day since I got my new phone. I have about 10 five second voicemails from them, all silent. I've answered once and they asked for someone named XXXX. I told them it isn't me but they still call every day. They're obviously looking for someone else, yet apparently don't believe it's not me. I've had this new number for all of two weeks.
Company Response: Closed with explanation
2018-01-30
Annandale, VA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-01-30
Glenwood, FL
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Closed with explanation
2018-01-30
Seneca, SC
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: On XX/XX/XXXX I was blocked from accessing my account for no known reason. I am highly upset with td and the way they handled this situation. Was on hold for over 30 minutes and treated rudely.
Company Response: Closed with explanation
2018-01-30
Portland, OR
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I write in regards to my checking account with TD Bank. As explained below, TD Bank has unreasonably restricted my access to the funds in my checking account by refusing to issue a replacement debit card and refusing to restore my online banking access.
On XX/XX/XXXX, I logged in to TD Bank 's online banking site to make a transfer from my checking account. The website would not allow me to proceed and said my account had been " suspended. '' I called TD Bank 's customer service line and the TD Bank telephone representative stated that my debit card had been locked because the bank suspected possible fraud. I checked my transaction history online, and did not see any unauthorized charges. However, the TD representative said that there were several suspicious transactions from XXXX, so the debit card, as well as online banking, was locked by TD Bank. The representative said I would not be able to access online banking to transfer money to my external account, nor would TD be able to issue a replacement debit card until I physically made it into a TD branch.
I explained that I am on the west coast and that there are no local branches. After 35 minutes of being on hold, the representative instructed me to send a " secure email message '' to customer service through TD 's online banking website. The phone rep stated that the email message should specifically request that a replacement debit card be overnighted to me and that I must specifically state in the message that " I take full responsibility for delivery of the card to this address. '' As instructed, I sent the secure message through TD Bank 's online banking system that same day ( XX/XX/XXXX ). After the message was submitted, the website said that a response would be received within 24 hours.
Four days later, I still had not received a response to my XX/XX/XXXX message. I sent a follow-up message through the online banking site on XX/XX/XXXX. I received the following response : " Thank you for contacting us in regards to your debit card request. Your debit card request was received today ; however, we are unable to process your request as we show there is an account currently in a Charge Off status in your name. We ask that you please contact our Recovery Department at XXXX to resolve the Charged Off account. Once this has been cleared, we will be able to issue a new debit card. '' I was unaware of any " charge off '' account and do not have any loans or credit lines with TD Bank. I was confused as to how the alleged " charge off '' prevented TD Bank from issuing a replacement debit card for my checking account and how the bank could use the alleged " charge off '' to restrict me from doing an online transfer.
I called the " Recovery Department '' as the email message from customer service instructed, but the automated telephone system would not let me proceed, nor would it connect me to a Iive representative. The automated system kept requesting an account number and each time I entered my checking account number, I heard " we don't recognize that account number '' and I was re-routed to the general customer service line, where the automated system said that the hold time exceeded 20 minutes. I stayed on for 45 minutes without ever reaching a representative ; I tried again and waited over 25 minutes. I then sent a reply to the email message I had received stating that I had tried the " Recovery Services '' number provided, but was not getting through. TD Bank responded via email : " We have reached out to our Recovery Department for assistance with this matter. They have confirmed that they do not have record of a phone call with you within recent history. '' Next I tried contacting the branch in XXXX where my account was originally opened in XXXX. I explained that without notice TD Bank had completely cutoff my access to the money in my checking account. I read the branch rep the email response I received and explained that I had no idea what the charge off was about and that I had been unable to reach anyone through the number that was provided. The branch rep confirmed that my checking account was in good standing, but he said that my old savings account ( which I had not used and did not keep a balance in ) had accumulated unpaid " maintenance fees. '' I explained that I had previously spoken to a number of reps about closing that savings account, but the rep said the only way to actually close the savings account ( and stop accumulating the monthly fees ) would be to physically visit a TD Branch. Again I explained that I am on the XXXX XXXX, that I receive Social Security income, and could not travel to the XXXX XXXX. The branch rep told me that there was nothing that they could do ; TD would restrict access to my checking account funds until I paid whatever " charge off '' amount TD had assessed in connection with the unpaid savings account fees. I asked for more information and documentation concerning the savings account " charge off '' as well as information as to what authority TD had to keep me from accessing the unrelated checking account. I was told to contact customer service via phone. No one was able to even tell me how much the " charge off '' amount was for. In the meantime, I have gone nearly six days without being able to access my money because TD Bank refuses to issue a replacement debit card and TD Bank refuses to restore my online banking access so that I can transfer my funds to an external account.
Thank you in advance for your attention to this urgent matter.
Best, XXXX XXXX
Company Response: Closed with monetary relief
2018-01-30
East Rockaway, 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 Like to link checking account to XXXX. Error saying my bank, TDBank, will not allow outside application access.
Company Response: Closed with explanation
2018-01-30
Co Spgs, CO
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Problem accessing account
Company Response: Closed with explanation
2018-01-30
Downey, CA
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation
2018-01-30
Annandale, VA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-01-30
VA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: i signed up for their credit card online on XX/XX/XXXX and when i signed up i saw a offer that if i use {$500.00} on their card withing 90 days, after account opening i will get {$200.00} bonus offer expires on XX/XX/XXXX. After when i completed that purchase requirement they only issued me {$150.00} as in XXXX points. I tried to get a resolution by calling them several times but their customer support is horrible. First time they told me they will issue that missing {$50.00} as XXXX points. And after that no response. I sent them message twice. And finally i called them today XX/XX/XXXX. They told me i am not eligible for that promotion. But i already got {$150.00} as bonus. Its just missing {$50.00}. But they they told me you can only get that if you apply online i cleared them i saw that online on your website and applied and you approved my application. And I took the screenshot of the offer. when i applied so i have that screenshot. I followed all their terms to get that bonus but they are just trying to scam me out {$50.00}. I have a checking account and credit card with them and i am going to close all of my accounts if they don`t resolve this.
Company Response: Closed with monetary relief
2018-01-29
Gloucester City, NJ
Other service problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: XXXX will not allow my XXXX account connect to my on-line XXXX checking account.
Company Response: Closed with explanation
2018-01-29
Maxwell Afb, AL
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: FILED DISPUTE WITH COMPANY TO VALIDATE THE INFORMATION REPORTING TO MY CREDIT BUREAUS. THE LETTER WAS RECEIVED. I HAVE THE RETURN RECEIPT AND A COPY OF THE LETTER THAT WAS SENT. I ALSO SPOKE WITH A REPRESENTATIVE AT THE OFFICE. I GAVE THIS REP ALL OF THE INFORMATION SHE REQUESTED TO PULL UP THE ACCOUNT AT THAT TIME. I WAS INFORMED THAT I WOULD RECEIVE A DECISION LETTER. HOWEVER, I RECEIVED A LETTER DATED XX/XX/XXXX STATING I DID NOT PROVIDE THEM WITH MY ACCOUNT NUMBER, NAME, ADDRESS, AND TELEPHONE NUMBER ON THE LETTER, WHICH HAS PREVENTED THEM FROM PROCEEDING WITH THEIR INVESTIGATION ULTIMATELY CONSIDERING IT CLOSED. THIS IS ABSOLUTELY FALSE. MY FULL NAME, ADDRESS, AND PARTIAL ACCOUNT NUMBER ( FROM MY CREDIT REPORT ) IS ON THE TOP OF THE LETTER I ORIGINALLY SENT TO THEM. DURING MY CALL WITH A REP, I AGAIN PROVIDED THEM THE INFORMATION THEY CLAIMED THEY DIDN'T HAVE. I FILED A COMPLAINT WITH THE BETTER BUSINESS BUREAU. STILL THIS COMPANY FAILED TO LIST THIS ACCOUNT AS 'DISPUTED ' ON ANY OF MY THREE CREDIT REPORTS AND HAVE THEREFORE VIOLATED FCRA SECION 623.
Company Response: Closed with explanation
2018-01-29
Chalfont, PA
Managing an account
Checking or savings account: Savings account
Fee problem
Company Response: Closed with explanation
2018-01-29
Bronx, NY
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I set up an ACH transfer from my XXXX XXXX XXXX account to my TD Bank checking account. on Tues. XX/XX/XXXX. Normally, it takes 2-3 business for the transfer to be complete, but my Monday XX/XX/XXXX, the funds were not posted in my checking account. I contact XXXX XXXX regarding my transfer and I was informed that there was technically issues and my transfer would not be finalized until XXXX XX/XX/XXXX, but I did not get the funds posted in my account until the following day. Because of the funds were not in my TD bank account within the 2-3 days ; I receive four overdrafts fees from TD Bank. I explain to TD Bank several times regarding my issue, but the bank refuse to refund me the fees because it was not their issue. XXXX XXXX offered to speak to TD Bank directly, but once again the bank refused to refund me the over drafts fees. XXXX XXXX only provided me a XXXX refund back to my XXXX XXXX account for only one overdraft fee. I have made countless attempts to resolve this issue and I have offered to provide my bank statement and/or other documents to show the fees, but both TD Bank and XXXX XXXX refuse to resolve this matter As a consumer, I should not pay for any fees because this was a technical issue.
Company Response: Closed with monetary relief
2018-01-29
Saugus, MA
Problem with a lender or other company charging your account
Checking or savings account: Other banking product or service
Money was taken from your account on the wrong day or for the wrong amount
Company Response: Closed with explanation
2018-01-29
Lakehurst, NJ
Money was not available when promised
Money transfer, virtual currency, or money service: International money transfer
Company Response: Closed with monetary relief
2018-01-29
Honolulu, HI
Fees or interest
Credit card or prepaid card: Store credit card
Charged too much interest
Company Response: Closed with monetary relief
2018-01-28
Allentown, PA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation