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 153
2018-01-10
Billerica, MA
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: Im a XXXX XXXX holder. Last year I missed a payment. I had an auto pay ACH set up for XXXX per month. XXXX began taking XXXX per month from my bank account. I assumed this higher amount was addressing the back amount due. Now a year later they continue to take XXXX a month ( my actual purchases were less than XXXX ). The onus is on me for not looking at this sooner but I discovered theyve charged me a XXXX late fee every month. Where I attempted to work this out with them I was treated to rude behavior, hung up on and left on hold with no response. I feel they should take what theyve already gotten from me and call it a day. They refuse to do any more than 2 fee rebates and will only do that if I pay them XXXX ( XXXX more than the rebate theyre offering ). My balance after a year is still XXXX. I asked a supervisor to escalate my complaint ( I asked the first rep to put a complaint in and was later told they dont do that ) the supervisor ( XXXX ) told me Id have to write to them and that she was the highest person Id be speaking with. She offered the mailing address for my complaint then hung up before giving it. My account with them is XXXX. They have my name as XXXX XXXX, Ive been attempting to get them to change that ( mailed them a certified copy of my marriage cert in 2010 ). Still no name change.
Thank you, XXXX XXXX XXXX
Company Response: Closed with non-monetary relief
2018-01-09
Coral, FL
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: This complaint involves TD Bank. I sustained damage from Hurricane Irma. I received the attached check from XXXX the only insurance company in Florida pretty much. After three months, I received a miniscule payment from XXXX. The check was made out to me as payee and XXXX XXXX XXXX and to the lawyer who is handling the insurance claim for me without whom I wouldnt get anything.
The check was endorsed by XXXX XXXX XXXX with a signature guarantee. The check was endorsed by the lawyer. I went to the XXXX branch of TD Bank on Friday XXXX XXXX, 2017 where I am known to deposit the check. I made the mistake of consulting with the assistant manager XXXX XXXX. She insisted that the lawyer fax her a signature guarantee notarized on the lawyers letterhead. It took me two days to get all the appropriate signatures including going through just about every department at XXXX XXXX XXXX.
The assistant manager would not allow me to deposit the check into my own bank account. I was not attempting to cash it, commit fraud, or do anything illegal with the check except for deposit it into my account. I asked the assistant manager why she was not accepting the check. She claimed TD bank does not accept insurance checks. I asked her if she could provide me with the policy or regulation regarding insurance check. Attached is what she gave me. This was not a third-party check. It was not a double endorsed check. I am a payee on the check. XXXX XXXX XXXX would not endorse the check if I was a cent behind on my mortgage. Lawyers are not known for releasing funds if a cent is owed to them.
I am convinced the bank manager was trying to create a new policy. Short of that. I was affected by Hurricane Irma. There have been two other hurricanes to hit the US. Hurricane Harvey and Hurricane Maria. If TD Bank is not accepting insurance checks that is a lot of checks. Why are insurance companies issuing worthless checks if the banks are not honoring them? I was a victim once of Hurricane Irma do I have to be victimized again? Then to add insult to injury TD Bank cancelled my debit cards in what I believe is a complete retaliatory action towards me. I was on the phone to TD Bank customer service ( which by the way it took 30 minutes to even get a customer service rep, then on hold for about another half hour just so the bank manager could completely trash me to her supervisors ) when a XXXX XXXX police officer came in and escorted me out of the bank to the amazement of pretty much everyone else in the bank ( including customers ). I am XXXX years old, and XXXX. All this running around completely fatigued me.
I believe I was discriminated against based on age and for being a woman. I called TD Bank customer service on Friday night when I got home, and my cards were cancelled the next day. Why the bank did that is anyones guess but I suspect it was a retaliatory action for complaining to TD bank. I wasnt robbing the bank, defrauding the bank or doing anything other than what was legal depositing a check. The bank could have done due diligence ; they did talk to my lawyer. They could have put a hold on the account, they could have contacted XXXX to check the validity but they did none of that.
Company Response: Closed with explanation
2018-01-09
Arco, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have tried to contact the company ( Nordstrom ) in regards to a wrong reporting of 2 payments. It was on automatic payments and they failed to accept the payment on time. Back in XXXX and XXXX XXXX they reported on my credit report that they were late yet have not been able to provide evidence to validate i the consumer is at fault. I have requested for them to removed these false accusations and have not been taken into consideration.
Company Response: Closed with explanation
2018-01-09
Fort Lauderdale, FL
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
Company Response: Closed with explanation
2018-01-09
West Salisbury, VT
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2018-01-08
MA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: XXXX XXXX order # XXXX for purchase & high wall mount install of 43 '' XXXX TV, XXXX XXXX Purchased gift for me by my son XXXX XXXX XXXX XXXX his credit card for XXXX XXXX XXXXnstall on XXXX/XXXX/XXXX.
Delivery of wrong mount & reorder XXXX/XXXX/XXXX, correct mount BBY XXXX, additional {$200.00} cc.
Install XXXX/XXXX/XXXX, XXXX to XXXX by XXXX XXXX XXXX XXXX --, demo ok, another $ XXXX & refused return-credit.
Not touched after demo, no service XXXX next morning, spent entire day with all involved, no success.
XXXX XXXX 's would not come until the following Tuesday XXXX/XXXX/XXXX order XXXX. Sunday XXXX/XXXX/XXXX my repair tech found the cable installed by XXXX XXXX tech XXXX -- broke at connection, too short. He installed a replacement 15 ' HDMi cable {$32.00} and 1 hour service call!. My appeals for $ $ $ Satisfaction and Application of XXXX XXXX 's Policies have died at the Store Manager 's level. Attachments support all the foregoing!
Company Response: Closed with explanation
2018-01-08
Fernbank, AL
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I was shocked when I reviewed my credit report and found a late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe that I made my payments to you when I received my statements. My only thought is that my monthly payment did not get to me.
Company Response: Closed with explanation
2018-01-08
Bronx, NY
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: I have several hard inquiries that I never applied to.
Here is the list of false hard inquiries : On XXXX : 1. XXXX/XXXX : Inquiry from XX/XX/XXXX 2.XXXX/XXXX : Inquiry from XX/XX/XXXX On XXXX : 1. XXXX XXXX XXXX/ XXXX XXXX : Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX/ : Inquiry From XX/XX/XXXX.
Company Response: Closed with explanation
2018-01-08
Audubon, PA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2018-01-07
Dellslow, WV
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Complaint: The XXXX XXXX XXXX website was down whenever I went to make my payment, which resulted in my payment being overdue. Further, the link to enable auto pay on the website does not work, so I could not have even setup Auto Pay to avoid this issue all together. The office that I am supposed to call into to resolve problems is not open, and overall I find this ridiculous for a credit company to have these flaws.
Company Response: Closed with monetary relief
2018-01-07
Rochester, NY
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
Company Response: Closed with explanation
2018-01-06
Salton City, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I believe I opened the account with XXXX XXXX XXXX XXXX around XXXX of XXXX. I currently have all my paperwork in storage. After a couple months of paying my bill I started getting late notices when I had made the payment on time. I called and they would say " yes, we see you made your payment. Just disregard the notice '' This happened several times and I would call and get the same thing. I asked " why does this keep happening? '' they said it was the fault of the store I bought the merchandise from XXXX XXXX, so I called them. They told me they had nothing to do with it, I need to talk to the finance company XXXX XXXX. I called them back and told them that and they said that it was n't them. I got tired of getting no where, so I just stopped responding to the notices since I knew I made my payments on time. I paid them off last month and I received a late notice for a bill I no longer have. I am currently trying to buy a house and was told my credit states I had two 90 day lates from this XXXX XXXX. I called them today XXXX/XXXX/XXXX and was transferred 4 times and still never got to the department that could help me with this. This company is ridiculous and I get no where with them. Because of this false credit report, I am unable to buy or rent a home which is why I am living in a friends XXXX with all my stuff in storage.
Company Response: Closed with non-monetary relief
2018-01-06
Jacksonville, FL
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: Will not allow third party site to access account
Company Response: Closed with explanation
2018-01-06
Brooklyn, NY
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Complaint: Ive been banking with TD bank for a couple of years now and I usually dont go thru my online statements but recently when I logged on I see a {$35.00} charge even after the fact that my funds are posted next business day. But Im checking my statement for XXXX 2017 and Ive paid {$660.00} in fees and the rude customer representative is gon na tell me theres nothing they cant do..well Td you have just lost a loyal customer
Company Response: Closed with explanation
2018-01-06
Boston, MA
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with monetary relief
2018-01-06
Ft Lauderdale, FL
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: On XXXX XXXX, 2017 I filed a claim with TD Bank in regards to my debit card being used with taking cash from ATM 's on a daily basis. I have had this account for years and my activity on this account was very very limited. Easily said I hardly had any transaction on this account and never did cash withdrawals at an ATM. I filed this claim stating that TD bank allowed cash to be taken out on a daily basis until the money was gone in my account. The system should have noticed I never did ATM cash W/D and that this amount of activity was out of the normal for my account but they did not catch this problem. Within 24 hrs of filing this claim, TD bank contacts me saying they completed their investigation and found no error and that all the ATM transactions and a few XXXX point of sale transactions are valid. They claimed the activity was within my normal activity which is clearly not true as I have already stated I never did ATM cash W/D in the history of my account let alone the amount of spending taking place. Next, they claimed the card was used within my home area which in fact when researched the card was used at ATM 's located over 15 miles from my home and XXXX transaction took place over an hour from my home location. Every reason they gave for denying my claim was clearly false and can be proven by the years of activity on the account. Moreover, how is a proper investigation completed in 24 hours time? They refused to get photos from cameras where the transactions had been made. They asked me to get a police report and when I spoke to the police they said that the bank must first do a real investigation and that cleary my bank did not if they closed the claim with a 24 hr time frame. Even the police department said they never heard of an investigation being completed within 24 hours. TD bank has refused to issue me {$10000.00}. They even ignore the XXXX protection promise on the transactions made at retail locations using my card. It seem 's TD Bank feel 's they do not have to protect customers money nor does REG-E or XXXX fraud protection for the unauthorized transaction when card used in stores does not apply to TD Bank. It has been one-year fighting to get my money back and after countless emails from supposed TD Banks corporate office, all they tell me is to get a police report. I repeatedly told them what the police told me but it does not seem to matter to them what the police have to say. I feel these are just excuses for TD Bank to deny customers claims and especially when they are being dishonest for their reasons for denying my claim.
Company Response: Closed with explanation
2018-01-06
Bohemia, NY
Problem caused by your funds being low
Checking or savings account: Checking account
Late or other fees
Complaint: I had a TD checking account that had a {$2500.00} minimum balance to avoid monthly fees. I am a XXXX in college and studying in the XXXX. Before I left for college in XXXX 2017, I converted my account to a basic account so I could take my money with me to college. I left a small balance ( {$25.00} ) in the account to keep it open. When I returned to NY in XXXX I learned that my account had been charged {$15.00} per month for four months and then the negative balance of {$35.00} written off and the account closed. When I went into a branch, the representative told me I should have changed the account to a student account which has no minimums rather than a convenience account that has {$100.00} minimum. I was not told of this option when I converted my account in XXXX. I would like to have these four {$15.00} fees waived and my account reinstated.
Company Response: Closed with monetary relief
2018-01-05
Margate, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-01-05
Bancroft Hall, MD
Fees or interest
Credit card or prepaid card: Store credit card
Charged too much interest
Complaint: I made a purchase to XXXX XXXX via XXXX XXXX XXXX. Retail Card with deferred interest. I paid the account in full before the 6-month term expired. TD added a late charge of {$37.00} towards the end of the term leaving a {$37.00} balance. I complained several times and they claimed to remove it. They did not, and instead added the compiled deferred interest and now claims that I owe {$370.00} and continue to add late fees.
Company Response: Closed with monetary relief
2018-01-05
FL
Getting a credit card
Credit card or prepaid card: Store credit card
Problem getting a working replacement card
Complaint: Hello,In XX/XX/XXXX I called XXXX I had lost my credit card and got married. I asked to do everything at once to get my name changed and then issue me a new card. The person on the line helped and stated a card was sent. Since then I have been locked out of my account online and I was not able to log in to pay my account. I have called 3 times for a new card and now I am being told they will not send me a new card because my account is XXXX overdue. How am I supposed to pay my account if I do not have a card and can not log in online? They refuse to send a card to me. This process is absolutely ridiculous. I couldn't get a card when my account was up to date anyways. They wont unlock my account so I can log in online and pay. I do not make payments over the phone and should not be forced to. I will not be paying this account until they actually get a card delivered in my hands. I will also not be responsible for late fees. They have the correct address. I was hung up on with my first call today. Called back again spoke to XXXX (supervisor) who transferred me to XXXX who wouldn't transfer me to a supervisor stating he was unavailable and they would call me back in 24-48 hours. This is beyond horrible customer service. I have gone through the BBB and the communications from that gentleman was horrible as well. Just send me a new card. This is ridiculous.
Company Response: Closed with explanation
2018-01-05
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Company Response: Closed with non-monetary relief
2018-01-05
San Francisco, CA
Problem when making payments
Credit card or prepaid card: Store credit card
You never received your bill or did not know a payment was due
Company Response: Closed with explanation
2018-01-04
Fountainville, PA
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: On XX/XX/XXXX I closed on a loan with TD Bank XXXX XXXX XXXX XXXX XXXX, Pa. XXXX. The loan was in the amount of {$220000.00}. Which the following was to paid out to creditors : XXXX XXXX XXXX {$110000.00} XXXX Credit Card {$9400.00} XXXX {$2300.00} XXXX {$1900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$67000.00} Total {$190000.00} Check to Borrower {$31000.00} Total Loan {$220000.00} Payments were suppose to be made to the creditors 10 days from settlement. However only the credit cards were paid. XXXX, XXXX, and XXXX XXXX were all paid on XX/XX/XXXX. XXXX XXXX XXXX and XXXX have n't been paid as of the writing of this complaint XX/XX/XXXX.
I have been in contact with TD Bank, XXXX, and XXXX XXXX XXXX multiple times. TD said they sent the checks out on XX/XX/XXXX. But they did n't get a tracking number from XXXX. I did receive a call from TD Bank on XX/XX/XXXX that XXXX XXXX XXXX sent the check back to the TD Branch by mistake and I was told that it was resent to XXXX XXXX XXXX. However the funds still have n't been applied to the payoff of the loan and when I call XXXX XXXX XXXX they have no evidence that this happened. XXXX still has no record of any payment for the payoff.
At this point I 've been charged for principal and interest on the new TD Loan and they took payment out of my checking account on XX/XX/XXXX in the amount of {$1500.00}. I 'm also being charged for the loans for XXXX XXXX XXXX and XXXX which should have been paid off before the new TD payment took affect. I 'm lucky I caught that the payments were n't made by TD Bank or these loans would have gone to collections and affected by credit rating. All along TD Bank had no idea that the loans were n't paid off.
I do n't think there 's any sense of urgency from TD Bank to fix the issues, while I 'm out about {$800.00} in extra interest and penalties and this number is growing.
Any help to get the XXXX and XXXX loans paid off and refund me charges that are n't my responsibility would be much appreciated.
Company Response: Closed with monetary relief
2018-01-04
Bald Head, NC
Problem with the payoff process at the end of the loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2018-01-04
E Brunswick, NJ
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
Company Response: Closed with monetary relief