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 154
2018-01-04
Macon, GA
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX in the amount of XXXX from XXXX using my XXXX XXXX XXXX XXXX. When the device turned out to be defective, I attempted to contact the manufacturer on XX/XX/XXXX for warranty service, only to discover that XXXX was unwilling to honor the lifetime warranty for the device. XXXX has informed me today that it is XXXX policy that a manufacturer's refusal to honor the terms of its warranty cannot be a legitimate grounds for disputing a purchase, even in a circumstance such as mine, where there is no option for returning an item via mail that was purchased online.
Company Response: Closed with explanation
2018-01-04
Katonah, NY
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Other problem
Complaint: We received a letter saying our XXXX XXXX card account has been inactive and warned us the account would be closed unless the card was used.I called and asked what was the minimum time before an account was inactive and was told 6 months. I used the card in XX/XX/XXXXThis is an outrageous policy because we don't shop often at XXXX and don't want to be threatened with using a credit card if we aren't needing anything.
Company Response: Closed with explanation
2018-01-04
Nesbit, MS
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2018-01-04
Mitchell Field, NY
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with explanation
2018-01-04
Houston, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to TD Bank with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. An official dispute was set to TD Bank XX/XX/XXXX however a current credit still shows this fraudulent inquiry is still listed which is a violation of the FCRA.
Company Response: Closed with non-monetary relief
2018-01-04
Fountainville, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XXXX XXXX XXXX purchased XXXX XXXX in 2017. Prior to XXXX XXXX XXXXXXXXs purchase, XXXX XXXX were serviced by XXXX XXXX XXXX and there was a dedicated website to see an actual amortization schedule and payments made to the mortgage on a monthly basis over differing periods (based on a drop down menu selection) which clearly stated the principal and interest breakdown of the payment, any additional principal paid and escrow etc.. In the months since the acquisition, TD Bank is woefully unprepared to service mortgage accounts, and at a very basic minimum does not provide a simple breakdown of my monthly mortgage payment such as how much of my monthly payment was applied to principal and how much to interest. They will not provide online statements unless you have opened a checking account. If you require a statement from a previous month, TD Bank requires you go to a branch to request. This is simply unacceptable mortgage servicing. There should be no excuse for not providing a customer a detailed allocation of their mortgage payment. This is basic mortgage service expectation.
Company Response: Closed with explanation
2018-01-04
Gastonia, NC
Managing an account
Checking or savings account: Savings account
Fee problem
Complaint: Because I could not meet the minimum deposit amount I requested my accounts to be changed to simple accounts and pay a min of {$5.00} fixed maintenance fee instead of the {$14.00} or {$15.00} I was being charged. I just notice today that my checking got changed to a simple checking but not my savings account and I continue to get charged a $ XXXX monthly fee. These fees go back to when I originally opened these accounts in 2011.
Company Response: Closed with explanation
2018-01-04
Bentonville, AR
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2018-01-04
Wesley Chapel, FL
Getting a credit card
Credit card or prepaid card: Store credit card
Card opened as result of identity theft or fraud
Complaint: This card been reporting on my credit file for about three years, I went through the credit bureaus and I went through the original furnisher which is XXXX/TD bank, I informed them that this account was fraudulently obtained in my name they sent me out a fraud packet, well I think TD/XXXX sent this account to a third party and may not really be the collector however they are the ones that is reporting on my file .... but they sent me a fraud packet I filled it out paid my {$10.00} to have it notarized only to not ever hearing back from them, the investigation should have took no more than 30 days, I need them to remove this account from my file or send me the original contract for this account as stated in the fcra guidelines and I know they dont have any contract because I did not open this account .... I need them to remove this account this been going on way too long with no resolution, so I finally have to file this complaint before taking legal actions against this company ....
Company Response: Closed with explanation
2018-01-04
Smackover, AR
Managing, opening, or closing your mobile wallet account
Money transfer, virtual currency, or money service: Mobile or digital wallet
Company Response: Closed with explanation
2018-01-03
Manhattan, NY
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: On Friday XXXX XXXX 2017 I made a deposit into my business checking accounts located at TD Bank. Made this deposit directly with the teller it was in the amount of {$7000.00} part cash part check. The check was from one of my other accounts located another painting institution also located in New York I confirm with the teller the funds would be available within 24 hours and upon return to my office I thought it was strange that I saw no credit of at least the cash amount I was assured by TD that there was no issue that my receipt was valid and that the account would be immediately credited I scheduled a wire transfer amounts to the IRS in order to pay estimated taxes along with other payments based on this representation and deposit that have been made Tuesday morning I woke up to a bank alert I thought it was two advise me that my account balance was higher than my daily average instead I found that my account was overdrawn by several thousand dollars Review of account activity said showed no fraudulent activity but that the deposit that you made still was not credited to the account Review of account activity said showed no fraudulent activity but that the deposit that you made still was not credited to the account communication with the bank assured me that this will be resolved by this morning and it has not as a result My account continues to be overdrawn automatic payments that are scheduled have been denied therefore impacting any credit report on my end Even the cash that was part of the deposit has been credited and a review of the banking institution where the other funds withdrawn shows that the check was presented to them and successfully transferred to TD therefore the issue Solely lies with TD at this point XXXX deposits by myself as of yesterday to this account did post but yet the larger deposit on Friday shows no history in my account whatsoever Business is essentially a standstill as this is my operating account and its for an attorney firm therefore checks to courts for filings can not be issued for the fear that they will be bounced based on the bank error If they had communicated if the issue at any point other arrangements could have been made on my end be it transfer of other funds cancellation of payments and/or delays to same so as to insure fast funding etc. yet instead no correspondence was issued by the institution at any point nor was there a clear alert on their website. Therefore causing unnecessary stress and confusion.
Company Response: Closed with monetary relief
2018-01-03
Discovery Bay, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: I called the phone number as listed on the credit report via XXXX for XXXX XXXX XXXX After several phone calls that direct consumers to use the same number as listed on the credit report, I finally spoke to two separate agents who verified via my social security number that I did not have a credit card on file. I asked for a supervisor, I asked to be transferred, I even would ask for their names and they would rudely evade my questions and would hang up on me. The DLA on my account was XXXX. The account was paid and closed at store in Nevada on XXXX.
Here is a copy and paste of what XXXX XXXX XXXX denies over the phone exists and refuses to remove this information which hinders my ability to open a line of credit or get additional credit elsewhere. Dealing with their phone reps has been wasted time and an aggravation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX Date of Last Paymnt Scheduled Paymnt Amount Actual Paymnt Amount Amount Past Due Balance Amount Items As of Date Reported XXXX XXXX XXXX/XXXX/XXXX Date Closed Terms Duration Terms Frequency {$200.00} Credit Limit {$230.00} Date Opened High Credit {$0.00} XXXX XXXX Balloon Pay Amount Deferred Pay Start Date Balloon Pay Date Charge Off Amount Date XXXX 1st Rptd Date of Last Activity Activity Designator Creditor Classification 24 Paid and Closed Months Revd XXXX/XXXX/XXXX Date of 1st Delinquency Account Number Status Pays As Agreed ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Account Closed by Consumer ; Closed or Paid Account/XXXX Balance ;
Company Response: Closed with non-monetary relief
2018-01-03
NH
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: XX/XX/2017 I tried to check my balance via mobile app. I know my user name and password but on the first attempt got an error message telling me the maximum number of attempts have been made call XXXX. I call 25 minute wait time. I go do other thing call again, wait the twenty minutes and get a recording telling me I " ca n't be verified online, on the phone or in person ''. I drive to a branch and the teller inside says she has heard from many people today about this and the wait time is long. I ask if they have been hacked. No answer to that. I explain I just want to know what my balance is, want to be able to access my account online and she verifies me with my state drivers license, recent deposit and i suppose the fact i have my account number memorized, and she writes down the balance for me. I ask if I go to the atm, pointing to the drive thru behind her, will it eat my card, or when I go to use it will it be declined at merchants today, she says no. So I am all set, except the next day when I try to log in, I get the same error message. I call, long hold times. I wait for a person to pivot up. I have never been so rudely treated by not one but two employees. The problem is yours, TD, verified after I went out of my way Sun to go to a branch and confirmed there that your system was having problems. XXXX in small business in Maine office, as a manager who was to help after the offensive XXXX, did nothing to help, but piled on more abuse. I can not tell you the answer to a specific security question you are asking, but I can tell you many more things and did. Like the monthly check deposited on the XX/XX/XXXX every month each the amount. Or how frequently my employer deposits. Seriously, you have only one security question of your making not mine that I ca n't answer. I do not recall who I last made an ACH payment from this account because I do many in a month and have more then one bank I do this with! So here it is now Wed and I so have the same error message on a single correct attempt to view my account online.
Company Response: Closed with explanation
2018-01-03
Boulder, CO
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: I took out a virtual credit card with TD Bank that provides XXXX XXXX to buy and exercise bike. There was a 18 month interest free period. I went online to setup a monthly payment and they would not let me set up a fixed payment each month so that it would be paid off in full at the end of the period. I would have to login and make a payment every month. I think this is sharp practice in that they are trying to make it more difficult to stick to the terms of their interest free promotion and that they must allow customers to pay off debts within the promotional period. If I missed a payment or did n't pay off the amount by the end of the period I would be subject to nearly 30 % interest.
Company Response: Closed with explanation
2018-01-03
Macclesfield, NC
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
2018-01-03
Forge Village, MA
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2018-01-03
NY
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I have notified the bank on numerous occasions that the account is not set up for debit card overdraft protection they do not even provide this service as an option for a business account according to their website.
They continue to provide this service and continue to charge me fees.
Company Response: Closed with explanation
2018-01-03
Chesney Shores, IL
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
2018-01-03
Napoleon, ND
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: The creditor called me XX/XX/XXXX @ demanded payment in full ... I paid the outstanding balance of {$1400.00} XX/XX/XXXX. In XX/XX/XXXX the creditor appeared on my credit reports for all the agencies as {$1400.00} being charged off in XX/XX/XXXX and that amount still being owed to the creditor. I filled disputes, it is removed and a month later it is back on. I called the creditor and they found it was paid in full in XX/XX/XXXX and agreed to correct the information with the credit bureaus but it is still on my credit report. Creditor is XXXX/XXXX
Company Response: Closed with non-monetary relief
2018-01-03
Allentown, PA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-01-03
Lawncrest, PA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2018-01-03
Reno, NV
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2018-01-03
Montclair, NJ
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with monetary relief
2018-01-02
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-01-02
Blue Ash, OH
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief