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 176
2017-09-12
Fairfax, VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Company Response: Closed with explanation
2017-09-12
Farmington, 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 explanation
2017-09-12
FL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: My checking account was used against my permission to transfer money to another account. When I discovered the transaction I was traveling on the XXXX XXXX of the US where there are no branches and am scheduled to leave for XXXX on a trip for over 3 weeks in 2 days. I was told that in order to remedy the situation, that both accounts needed to be closed, and that I would need to establish a new account.
AT THAT TIME I WAS VERY EXPLICIT IN MY QUESTIONING OF THE REPRESENTATIVE TO THE EFFECT THAT I MUST MAINTAIN ACCESS TO MY MONEY VIA DEBIT/CHECK CARD OR OTHERWISE BE PROVIDED A REPLACEMENT PRIOR TO MY DEPARTURE IN 2 DAYS. I MUST HAVE REITERATED THIS POINT 5 TIMES.
I was assured that this would be taken care of. I was assured that my new account would be opened overnight and the next day that my old debit card would be assigned to the new account where it would be able to access all of the funds.
In the interim I WAS REPEATEDLY ASSURED THAT WHEN I NEEDED MONEY LATER IN THE DAY THAT I COULD CALL THE FRAUD DEPARTMENT AT XXXX XXXX XXXX XXXX AND A REPRESENTATIVE WOULD AUTHORIZE A 1 TIME ATM WITHDRAWAL WITH A CURRENT CARD IN MY POSSESSION. I MUST HAVE HAD THEM REPEAT THIS BACK TO ME AT LEAST 3 TIMES.
Tonight, I went out for dinner for business purposes. I offered to pay the tab. My guests had to catch a flight and i offered to pick up the tab. After they had left it dawned on me that my cards were invalid, and I have no cash on me. The manager would n't accept my drivers license or watch as collateral so I called TD Bank. They told me I was out of luck. I asked to be transferred to the fraud line. They informed me that my account was restricted in a manner that could not be remedied. They also asked why I would think that such a scenario could exist to remedy the situation. BECAUSE YOU XXXX TOLD ME SO.
So as i stood in the Bank auditorium, speaking very calmly with the representative, and their impotent manager, it dawned on me that they completely misrepresented my ability to access my own funds to me, simply to protect and limit their own liability. I would have accepted full liability for further breaches just to keep access to the money i need to pay the bills that I incurred and travel this week. I told the fraud department exactly that. Seemingly they do not care.
I 'm not sure why I 'm complaining about this via the CFPB. I am so embarassed by being handcuffed, not to mention furious for being held handcuffed and held outside of the restaurant like a piece of trash because my bank is paranoid that my password is n't secure that you can absolutely guarantee that i 'm going to file every single complaint available to me and every single lawsuit in every single jurisdiction I can find a court to subject you to.
See you in XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with monetary relief
2017-09-11
Van Nuys, CA
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: I pay my TARGET RED CARD on the due date every month. Never late. XXXX XXXX I was charged a late fee. I made the payment on XXXX/XXXX/XXXX, my due date is the XXXX of each month. I was charged for paying on time, this is the 3rd time. After I made the online payment on XXXX I called to confirm they would not slick me and charge a late fee, the customer service rep, told me not to worry, we wont charge you. They keep phone records and time stamp payments.
Company Response: Closed with monetary relief
2017-09-09
Columbia, MD
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 non-monetary relief
2017-09-09
Austin, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with non-monetary relief
2017-09-09
Three Bridges, NJ
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: TD Bank has simply refused to do business without cause and or reason.
I owed a debt to TD Bank and I paid it back it was a simple {$100.00} debt.
I received a letter in branch that it was resolved and I could open an account again.
Then when I tried to it was denied and no clear reason was given.
Company Response: Closed with explanation
2017-09-09
Taft, OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: ( 1 ) AFTER REPEATED REQUESTS FOR PROOF and RECEIVING NONE, charges ( not made by us ) are not being removed from our Target account, and ( 2 ) Negative credit notices ( from Target ) are not being removed from our credit reports.
History : a. We paid off our Target account and quit using the XXXX credit card ( acct ending in XXXX ) in XXXX XXXX.
b. We received a notice fromXX/XX/XXXX that a negative entry was posted against our credit report by Target. According to Target, a {$55.00} charge made on XXXX XXXX XXXX and it was overdue.
c. We contacted Target customer service and were informed of the following : 1. Charges were made on our account on XXXX XXXX XXXX, and 2. Unbeknownst to us, our account profile had been changed such that Target would NEITHER send invoices to us via US Postal Service NOR send invoices via email. As a result of these settings, WE HAD NO NOTICE earlier than the XXXX note from XXXX that anything suspicious had gone on with our Target account.
3. We were told that the matter would be investigated and evidence of who used the credit card would be provided. NO SUCH EVIDENCE HAS EVER BEEN PROVIDED.
d. Since XXXX, 1. We have been notified repeatedly by Target that late charges have been added to the amount due, and 2. We have repeatedly contacted Target customer service, the Targets Fraud Dept and Targets Collections Dept to only be told that the matter would be investigated and that evidence of who used the credit card would be provided. NO SUCH EVIDENCE HAS EVER BEEN PROVIDED. Dates we contacted Target : XXXX, XXXX, XXXX.
e. On XXXX XXXX XXXX, a representative in the Target Fraud Dept ( by the name of XXXX ) told us 1. that no one but my wife and I could have used charged items against the account, 2. that she was NOT GOING TO PROVIDE EVIDENCE, and 3. that we were going to be held liable for the charges.
Company Response: Closed with explanation
2017-09-09
North Prosser, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I contacted Target Credit Reporting ( Servicer to TD Bank XXXX, XXXX. XXXX in writing by certified mail to ask for validation for a Target Store Credit Card that I do not recognize as mine. As allowed under FCRA, I requested a copy of any written agreement bearing my signature. They replied and did not provide any copy of my signature as required by FCRA. They have continued to report this account to my credit and they have violated my FCRA Section 623 by not updating the account to " disputed '' status on all 3 credit bureaus. The resulting violation and inaccurate reporting has caused me financial injury as I am being denied for a home loan due to XXXX XXXX XXXX refusing to validate this account as they are required by FCRA Section 609.
Company Response: Closed with explanation
2017-09-08
Sacramento, CA
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: XXXX XXXX XX/XX/XXXXInquiry - I wrote this company advising them I never applied for credit and never received a response back XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back.
TD BANK USA/TARGET C XX/XX/XXXX- inquiry, Target advised me they would send a letter to the credit bureau to remove and has not been completed.
XXXX XXXX XX/XX/XXXX- inquiry - I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
XXXX XXXX XXXX XXXX XX/XX/XXXX I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
Company Response: Closed with non-monetary relief
2017-09-08
Bridgton, ME
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with non-monetary relief
2017-09-08
Jersey City, NJ
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
2017-09-08
Three Bridges, NJ
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Complaint: I was locked out of my TD Account online and was unable to pay them. I tried calling to resolve several times and was not successful. After I finally was able to pay them, they dinged my credit report for late payment. I had commitments over the phone that they would not report to credit agencies. When they did, I called them and they removed the inaccurate information. A while latter, it showed up again. I have paid the bill and closed the account but this negative mark on my credit has affected my ability to buy a car and get a mortgage costing my many thousands of dollars. The original charge was {$37.00} by the way. In summary, I was prevented from paying due to their technology, they assured me they were n't going to report to the credit agencies, they did anyway, they rescinded due to their error, and then put it back on again. This is an error. I pay my bills on time and I deserve to have a credit score that reflects that.
Company Response: Closed with explanation
2017-09-08
Key Biscayne, FL
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: Unauthorized inquiry.
Company Response: Closed with explanation
2017-09-07
Gloucester City, NJ
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I have an issue with my bank, TD Bank. I am new to them, opened a checking account with a debit card in XX/XX/XXXX. Over the Labor Day weekend, while I was away from home, I used the card to purchase gasoline, paying at the pump. The bank authorized those charges. When I checked my account, there was enough money in the account to fund the charges ; however, by Tuesday ( XX/XX/XXXX ) evidently, the Bank only authorized the charges for {$1.00} and when the full amounts were withdrawn the account went negative for ( 2 ) other charges that they authorized. I was charged {$70.00} for ( 2 ) charges ( {$35.00} each ) on a balance that was negative by {$53.00}. I made the account current by XX/XX/XXXX when I became aware of the situation. I called and asked them, under the circumstances, if they could re-credit my account for those charges. They told me that they had already credited my account in XX/XX/XXXX and that I was not eligible. I then spoke to supervisor, " XXXX '' who was not helpful, kept repeating the same line over and over and would not escalate the matter to his supervisor. Finally, they told me that someone from their " Customer Care '' center would call me within ( 2 ) days but I have not received a call from them.
I do n't see how they can " clear '' charges at a gas station in the moment for {$1.00}, then wait several days to actually clear the full charges and then, charge me fees when it goes negative. This seems fraudulent in my mind. Its a way to trick you into incurring fees. I would like to get my {$70.00} in fees returned to me.
Company Response: Closed with monetary relief
2017-09-07
Sparta, NJ
Closing an account
Checking or savings account: Checking account
Can't close your account
Company Response: Closed with explanation
2017-09-07
Ft Lauderdale, FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Complaint: I have a business checking account with TD Bank and received several Business Credit Card Offers in the mail. When I tried to open the account online in XX/XX/XXXX I repeatedly received server error messages. I called was told to just go to the local branch. The offer included 0 % APR on purchases for one year and now when I received my 2nd statement I see I was charged 23.99 % interest. I called on X/X/2017 they tell me because I opened the account in the bank instead of online I did not get the 0 % APR. Between checking and savings I have over {$15000.00} in TD Bank earning zero interest. I would never have carried a balance If I knew I would be charged interest. They tell me I need the original offer to receive the 0 % APR.
Company Response: Closed with monetary relief
2017-09-07
Poughkeepsie, NY
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Complaint: TD BANK ALLOWS TRANSFERS THAT THEY CLAIM ARE IMMEDIATE BUT THEY TAKE THE MONEY OUT OF ONE ACCOUNT THEY APPLY IT TO THE OTHER THEN THEY CLAIM THE TRANSFER MADE THE ACCOUNT OVERDRAWN IF THAT IS THE CASE THEY SHOULDNT ALLOW THE TRANSFER NOT CHARGE {$35.00} FOR A {$10.00} TRANSFER
Company Response: Closed with monetary relief
2017-09-07
Bar Mills, ME
Unexpected or other fees
Credit card or prepaid card: Gift card
Company Response: Closed with explanation
2017-09-06
Hamilton, NJ
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with monetary relief
2017-09-06
Canton, OH
Fees or interest
Credit card or prepaid card: Store credit card
Charged too much interest
Company Response: Closed with explanation
2017-09-06
Key Biscayne, FL
Wrong amount charged or received
Money transfer, virtual currency, or money service: International money transfer
Complaint: In the past I have sent money a couple of times from my bank account with TD Bank in XXXX to my bank account in XXXX with XXXX. These transfers were done without any problem. I asked to send US dollars to XXXX. TD Bank sent the dollars and my bank in XXXX made XXXXhe exchange from US $ to XXXX Pesos.
Now, onXX/XX/XXXX I asked again my Bank ( TD Bank ) to send US {$XXXX} to the same bank account in XXXX with XXXX, the same one used before, for buying a property for investment. I asked to send the amount directly in pesos. My data were exactly the same : same bank ( TD Bank in XXXX ) sending the money from the same account and same bank in XXXX ( XXXX in XXXX XXXX ) receiving it to the same account of mine previously used. They told me that the amount I should have received in Pesos was XXXX pesos. As per XXXX, the official closing exchange rate that day was XXXX. So the official exchange for US {$XXXX} was XXXX pesos. Just with that operation TD Bank earned XXXX pesos ( or US {$3200.00} ). But this is not the reason of my complaint. We all know that banks earn commissions from exchange rates and {$3200.00} is expensive but acceptable for wiring {$XXXX}.
After 2 weeks the money was not arrived. I asked TD Bank and ( just because I asked ) this time TD bank said that XXXX XXXX in XXXX had refused the wire for wrong account number in spite of the fact that previously they had sent money from my account with them to the same account in XXXX. No changes in my accounts. SO XXXX CAN NOT HAVE REFUSED THE WIRE. I again sent all the needed information but on XX/XX/XXXX I had the surprise to see my money returned to my account without any wire done and without asking my agreement to do it. The exchange rate was changed from the purchase of XXXX pesos to their sale. On XX/XX/XXXX the exchange rate was XXXX so I received US {$XXXX}. They sent me another form to fill with all the needed information.
At this point I asked my banker in XXXX to fill directly the form of TD Bank to do it again without risking to put any wrong information. So he sent to me all the required information and I asked to send the XXXX dollars with this information provided by XXXX. I asked to use the same rate exchange ofXX/XX/XXXX, my original request, but they said that this was a new request done on XX/XX/XXXX.. According to XXXX the official exchange rate that day was XXXX so the official exchange for US {$XXXX} should have been XXXX pesos. Again TD Bank had another earning. But this time they made 163,176 pesos ( or US {$8800.00}! ) for this second operation because I received an amount of XXXX pesos ( XXXX pesos less than the official exchange rate, as their second earnings, and XXXX pesos less than the previous wire ), since the American Dollar was lower now. I complained and I said that if this was a new request I was the XXXX but I preferred not to further delay the wire for not losing my business and confirmed my will to send this money.
So, I was charged XXXX pesos ( or US {$3200.00} ) for the first attempt and XXXX pesos ( or US {$8800.00}! ) for the second one of the same amount. This is unacceptable. After giving my consent I verified the official exchange rates and I discovered all I said before. Totally unacceptable! How can customers trust this bank anymore?
Also I lost the first exchange rate that was better for me because I was obliged to sell my original XXXX pesos and re-buy them at a much more expensive rate and at a much more bank expenses for the same amount.
But again, I didnt receive the money and after 10 days I asked again about. Just because I asked, they said that XXXX XXXX had rejected the wire due to incorrect account number. All this time I have been in touch with XXXX and they confirmed in writing to me that they never received any attempt of wire for me from TD Bank nor the first time and neither the second time. They ( XXXX ) also told me to ask TD Bank a proof of their rejection. I asked this but TD Bank never provided any document or communication from XXXX stating anything.
I asked to keep these pesos for me, losing already XXXX pesos if compared to the first original wire, but they responded that they can not have the funds returned in Pesos to my account and it has to be in dollars. I responded that of course I know that this account is in dollars. But having been working in a bank for 11 years I know that they can create a pesos account for me or just keep the funds where they are keeping them in pesos now until I decide what to do with my money.
In spite of all my instructions, I have been again forced to exchange my pesos back in dollars. As a matter of fact onXX/XX/XXXX I received on my account US {$240000.00}. According to average official rate exchange of the day.
It is evident that TD Bank has some reason for keeping exchanging my money from dollars to p esos and from pesos to dollars several times, charging every time ridiculous expenses. We are not talking about XXXX dollars but about a quart of million dollar on which they have an incredible advantage ( at my cost ) every time they make an exchange and they did it already 4 times : first exchange from dollars to pesos, second exchange from pesos back to dollars, third exchange again from dollars to pesos and fourth exchange from pesos back to dollars. I can not let them have more advantage with my money, especially if at my cost. It is a fact that XXXX states that they never received anything neither sent a communication rejecting the wire due to incorrect account number and also that TD Bank never provided such a document proving that they honestly tried to send the money to my XXXX bank.
Banks are at the service of clients and not vice versa. But in this case it looks like clients are at the service of banks and that those banks apply arbitrary conditions to their clients.
The proof of their incontestable arbitrariness lies in the ridiculous difference between the first and the second gain ( the gain, not the rate exchange, we all know about rate exchanges continuous variations ) for the same amount of money ( US {$XXXX} ), and also in the fact that they, after saying that XXXX XXXX had rejected the wire due to incorrect account number, never satisfied my request of showing me the original message of the receiving bank stating, as above mentioned, that XXXX XXXX had rejected the wire due to incorrect account number.
Company Response: Closed with monetary relief
2017-09-06
Allison Park, PA
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with non-monetary relief
2017-09-06
CT
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Complaint: I was promised a {$300.00} reward for opening a new checking account. I met all the terms of the offer on the account sign up page. I was charged fees of {$25.00} per month for this account and told that I had to wait several months to collect this bonus. Finally, after many notes back and forth with TD bank through online secure messaging, someone finally told me that I could not qualify for the bonus based on previous account history. These terms were not disclosed during signup.
Company Response: Closed with explanation
2017-09-05
Ehrhardt, SC
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