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 179
2017-08-24
Stoughton, MA
Closing an account
Checking or savings account: Checking account
Can't close your account
Company Response: Closed with monetary relief
2017-08-24
Bohemia, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with monetary relief
2017-08-23
Washington, DC
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Complaint: XX/XX/XXXX TO : TD bank RE : {$450.00} promotional bonus, at least {$75.00} fees, personal time {$2000.00} to collect unpaid bonus, credit damages {$25000.00} for failure to close accounts under asking On XX/XX/XXXX I already filed a complaint against TD Bank for failure to pay {$450.00} promotional bonus. Now this bank continued to drag me without my consent to cause extra fees at least {$50.00} plus credit damages. I am not going to repeat that both of my accounts ending in XXXX and XXXX have already met promotional requirement. For example on XX/XX/XXXX a direct deposit more than {$2500.00} has been deposit to premium checking XXXX within 90 days of account opening. On XX/XX/XXXX another direct deposit more than {$500.00} has been deposit into convenience checking ending in XXXX. Since both of these two accounts met promotional bonus requirements, therefore I insist to ask {$450.00} bonus plus my extremely precious time to contact TD bank in person for at least 5 times including branch visit, phone, and secured messages. I spent at least 10 hours at {$200.00} per hour to collect this promotional bonus for {$2000.00}. On XX/XX/XXXX when I called this bank again to ask promotional bonus and extra fees {$25.00} caused by this bank for failure to pay and close the account. The representative named " XXXX '' told me that the {$300.00} bonus for premium checking XXXX will be posted on XX/XX/XXXX. I had asked this employee to give me her ID number and her last name plus reference number regarding her statement, however she told me that she made statement on my account to ask me to check the {$300.00} bonus on Monday XX/XX/XXXX. On Monday I checked the balance that NO any {$300.00} credit was posted on my account then I feel that I was cheated by this bank. Subsequently there was another {$75.00} fee were posted on my account which further damage my credit. On XX/XX/XXXX I left another message to TD bank XXXX branch to ask them to pay {$450.00} bonus and close both accounts. However this bank totally ignore my message. I had terrible experience with this bank not only this bank cheat consumer, but ignore my constant complaint to close two accounts which caused extra fees {$75.00} plus credit damages {$25000.00} and my personal time {$2000.00} to collect promotional bonus. This bank had terrible customer service to cause me at least 30 minutes to reach customer service by phone which is extremely inconvenient. I never had experience to have overdraft to damage my credit. At this time, I am asking restraining order against this bank to continue to drag consumer without my consent for failure to close both accounts. Since both accounts exceed 95 days after terms and conditions were met, I am asking to pay {$450.00} bonus, {$25000.00} credit damages, at least {$75.00} fee, my time {$2000.00} to collect bonus since XX/XX/XXXX to present time. Also close both accounts immediately to prevent further fees and credit damages. Delete all banking information I am not willing to bank with company anymore due to cheating.
Company Response: Closed with monetary relief
2017-08-23
Bueche, LA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Complaint: XXXX XXXX XXXX issued a credit card when I only had a store card with them. I did not give them permission to do so and they sent it to my old address that I no longer live at. I have been disputing this since XX/XX/XXXX. I call literally every two weeks and they give me the run around. I was informed by MULTIPLE people in the department that I was not responsible for payment until their was resolution in the investigation. They still have not resolved it and I was informed by my EMPLOYER when I went to get a mortgage that they reported me 90 day past due. I paid it off and I am still disputing it but I needed it to stop reporting to my credit. They refuse to remove the past due because they claim they have let me know the dispute was n't resolved due to lack of information received and they need a better police report. I can only provide what the XXXX XXXX police department will give me and that is all they have. I have called over 50 times and have asked countless people to please call me back and tell me exactly what I need and no one will reach out to me. I am told " it 's not their responsibility to call a client '' this is damaged my credit beyond belief. I went from a XXXX to a XXXX. I want this past due removed and I want their dispute practices investigated. You can see from my records all the times I call and BEG for someone to call me back and no one will. Every time I speak to someone in customer care they are appalled by their lack of professionalism and promise a manager will call me back and no one ever does. It is disgusting and they should not be allowed to to this to consumers.
Company Response: Closed with monetary relief
2017-08-23
Brooklyn, NY
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2017-08-23
Denville, NJ
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with monetary relief
2017-08-23
Margate, FL
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
2017-08-23
Rehoboth Bch, DE
Problem with a purchase or transfer
Credit card or prepaid card: General-purpose prepaid card
Card company isn't resolving a dispute about a purchase or transfer
Company Response: Closed with non-monetary relief
2017-08-22
Mount Pleasant, MI
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation
2017-08-22
Inglewood, CA
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
2017-08-22
Charlotte, NC
Closing an account
Checking or savings account: Checking account
Can't close your account
Complaint: Opened TD personal checking account ( TD Premier Checking ) on XXXX in response to a promotional offer ( Earn {$300.00} ). After funding the account with a payroll direct deposits on XXXX OF {$2500.00}, I called the bank to see about the status of the promotional credit. I was told that someone would respond in 3 days. A week later I called again and was told that they would submit an inquiry ( again ). After no resolution and belief that the checking offer was deceitful and bank never intended to fulfill, I called in late XXXX ( XXXX I believe ) to close the account. ( I had already written a check on the balance to reduce the outstanding balance to {$0.00} ). The phone representative refused to close the account, stating that I needed to do it in person at a branch since there was XXXX cents in the account. I asked to talk to the supervisor, XXXX ( rep number XXXX ) who was rude and started the conversation with something like " The representative already told you we ca n't close the account and I wo n't tell you anything different ... '' Finally, she advised that I use TD 's send money online function to transfer the XXXX cents out of the account ( because ACHs cost more than I had left in the account balance ). After hanging up I tried this option only to learn that there is a {$1.00} minimum to use Send money. Finally, I wrote myself a check for XXXX cents and deposited it into another bank account ( different bank ). I called the next day XXXX ( since the check had already been presented and my account balance was showing {$0.00} online ), and XXXX told me that I may get a monthly maintenance charge for being under the minimum balance since the account cycle would close Tuesday and she required 3 business days to close the account. She suggested waiting to see if I was charge a fee and calling back to close the account later ( after waiting on hold the third or fourth time for over 30 minutes each time ). I told her I wanted a close request be submitted immediately and that their bank ( TD ) could control whether they closed before a maintenance free could be assessed by them. I also asked about getting a credit for final cycle residual interest earned and received no understandable response. I never did get the few pennies of residual earned interest for the final cycle. TD was deceptive in it 's promotional checking offer and was coercive attempting to get fees by not closing the account in a timely manner without excessive effort made by customers.
Company Response: Closed with explanation
2017-08-22
Leehigh Acres, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2017-08-22
Torrington, CT
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Company Response: Closed with explanation
2017-08-22
Brooklyn, NY
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with monetary relief
2017-08-22
Friendship, NC
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
Company Response: Closed with explanation
2017-08-21
Englewood, NJ
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with monetary relief
2017-08-21
Pittsburgh, PA
Opening an account
Checking or savings account: Checking account
Account opened as a result of fraud
Company Response: Closed with explanation
2017-08-21
Greenwood, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: On XX/XX/ my XXXX XXXX XXXX was involved in a total loss. As a result, my TD Auto Finance account wait paid by XXXX XXXX XXXX for the amount of {$22000.00} dated XXXX. I confirmed with TD Auto Finance once the check was received in the middle of XX/XX/. After speaking with a representative from TD Auto Finance I was advised that now that the insurance check was received they will file and process my GAP claim and in about 4-6 weeks I should receive my paid in full letter. As well, I was told that my account was now future dated to XXXX and no further payments were needed until my GAP paid the loan. On XX/XX/XXXX I received a paid in full letter from TD Auto Finance stating as of XXXX my account was paid in full ( copy of the letter is attached ). After I received my paid in full letter I noticed I kept receiving statements from TD Auto Finance, the statements showed I did not owe any payments and this was for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called TD Auto Finance to figure out why I kept receiving statements if the balance was paid. They said they made a mistake by sending me a paid in full letter and the GAP claim was never filed. On XXXXXX/XX/XXXX I called GAP to figure out what 's going on and eventually ended up having to file my claim. On XX/XX/XXXX I received a letter datedXX/XX/XXXX that I was more than 30 days past due and they were going to report this negatively to my credit and to call them. I called TD Auto Finance on XX/XX/XXXX and explained that my account should not be past due, I explained they received the insurance check for {$22000.00} and the GAP claim has been filed, and according to the representative I spoke to my account was future dated and in a hold. After I was transferred back and forth for almost 4 hours I finally spoke to XXXX XXXX at XXXX. She advised me my account should not be past due or reporting negatively to my credit, nor should there be any payments due as my account was future dated to XXXX. XXXX advised me that she had a manager look into the error and found out that it was most definitely incorrect and it would be fixed immediately, removing the 60 days past due from my credit as well as ensuring there I no payments owed until GAP pays off the loan. I was advised I would receive a letter stating the negative remark would be removed and my account would be fixed. On XX/XX/XXXX I called TD Auto Finance again to confirm this has been done, I noticed on the automated system it was still saying I was past due even after speaking to XXXXXXXX XXXX a week before advising me it would be removed. This time I spoke to a representative by the name of XXXX who advised she saw the note and it was supposed to be worked on but she did n't know when it would really be fixed. I explained the negative effects this account was having and she apologized but had no time frame to when it would be fixed. After speaking with XXXX I check my credit bureau and notice not only was it not being fixed but it was now being reported to all my bureaus not just XXXX as it originally was. This has decreased my score by almost 200 points, I went from a XXXX to a XXXX because of their error. The way I was able to find this was through my online credit monitor service through XXXX that I pay for ( attached is a copy of the negative lines from all three bureaus ). This needs to be resolved immediately, this effect my lively hood as well as many other parts of my life. TD bank has already admitted to the error, I want this removed as soon as possible from all three of my credit bureaus ( XXXX, XXXX, and XXXX ). I also want a letter stating the error and what will be done to fix the error as well as a guarantee that it will not happen again unless I really have paid late. In the case I am not late and will not be late on any of my payments.
Company Response: Closed with explanation
2017-08-20
CA
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: In XXXX XXXX, I opened a fraudulent dispute with TD Bank for my XXXX XXXX Cashback Credit Card. I did not authorize the 4 charges of {$950.00} distributed across XXXX XXXX XXXX XXXX ( total unauthorized charges : {$3800.00} ) and the 6 charges of {$990.00} distributed across XXXX XXXX XXXX XXXX XXXX ( total unauthorized charges : {$5900.00} ) to online merchant XXXX. These were all charges made online without my consent or knowledge. After their " investigation, '' TD Bank resolved the fraud dispute in the merchant 's favor and purported that I made those charges. I tried to appeal their decision but they denied that also. I did not make those charges and was not aware of those charges. I was not even notified of these charges, which were in the thousands of dollars, until I looked at my credit card bill. Now they expect me to pay ~ {$7400.00} dollars for charges I did not make. This will devastate me financially. The TD Bank fraud investigator who first contacted me, XXXX XXXX XXXX, called me in late-XXXX XXXX. This was the first time we spoke over the phone, and she immediately accused me of lying and making those charges. I personally found it suspicious ( and rude ) that she would jump straight to accusations before the investigation was resolved. As a result I believed the investigation was already biased against me. I 've also called her 5 days a week every week at her phone number ( XXXX ) XXXX but my calls were ignored. I know they were ignored because her voicemail changed in the time between some of my calls, and she did not call me back, meaning that she heard the voicemails I left her, but she still did not call me back! I can only deduce that this fraud investigator is deliberately ignoring my phone calls. I do not know if she is simply ignoring all phone calls or just mines specifically. I have filed a police report with the XXXX Police Department on this matter ; my case number is XXXX. I believe my identity was stolen along with my credit card information ( I was hacked ), and because of that somebody else was able to make purchases with my card number online without my consent. My case number for TD Bank is XXXX and XXXX.
Company Response: Closed with explanation
2017-08-19
Tibbs, MS
Getting a loan or lease
Vehicle loan or lease: Loan
Confusing or misleading advertising or marketing
Complaint: This complaint is connected to a previous answer to a complaint from TD AUTO FINANCE LLC., XXXX XXXX XXXX, XXXX , XXXX , XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX. I contacted TD AUTO FINANCE LLC. on Monday, XX/XX/XXXX, and alerted TD Auto Finance that I believed I had been a victim of a bait and switch scheme and asked if they had funded the loan and they said " no '' it was pending and they would make a note in the file about the situation. I contacted them again on XX/XX/XXXX, and they said the contract was still pending so, I suggested they hold the funding until I was satisfied with my complaint with the Better Business Bureau and the Consumer Financial Protection Bureau. I received a notice today XX/XX/XXXX, that TD Auto Finance LLC had rejected my complaint and funded the vehicle anyway. Since I am the Consumer I should have a say as to whether I want TD Auto Finance to fund the vehicle or not. Since TD Finance chooses to go ahead with the financing I have no choice but to defer the first car note until the matter is litigated.
Company Response: Closed with explanation
2017-08-19
Salton City, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I opened an account with target, and that same day, I acquired merchandise worth of approximately {$300.00}. Then, weeks later I tried to pay my balance with my account number given because Target had failed to send me a tangible credit card, this was my only choice to pay dues. However, this when the problems arise. Suggested by a store rep, I waited until I receive the card 's statement ( still my card was n't sent yet ), and in it, it showed purchases and payments not incurred by me. I contacted Target to resolve the issue that I did n't create, but it failed to help or remove it. Target 's Negligence has affected my personal and business goals. I have attempted to obtain credit for XXXX XXXX, but due to that wrongful report, I have n't being able. my business has n't being able to grow, therefore, provide for my family.
Company Response: Closed with monetary relief
2017-08-19
Atl, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: According to my XXXX XXXX, XXXX credit reports, TD Bank/Target card is still reporting to XXXX & XXXX negatively. They have updated the payment status of my account on XX/XX/XXXX as " Late & bad debt placed for collection & skip ''. This account was paid XXXX XXXX. For the months of XXXX through XXXX payment history is being reported as " Failed to Pay ''. This information is Inaccurate.
Company Response: Closed with explanation
2017-08-19
Albuquerque, NM
Managing an account
Checking or savings account: Other banking product or service
Problem making or receiving payments
Complaint: I sent a payment via TDBank bill pay of {$360.00} to XXXX XXXX XXXX on XXXX XXXX, XXXX. I sent this payment to XXXX XXXX XXXX by mistake. I called XXXX XXXX XXXX about 2 weeks later to find out where the payment was when they received it. They said they did n't receive the payment but if they did in the future the funds would be placed into my savings account. That has n't happened as of XXXX XXXX. I called the TDBank to find out where the money was. On XXXX XXXX XXXX they sent me an email to call them so they could investigate this situation. The TDBank ( in NJ ) has a Confirmation # from their bill pay payment to XXXX XXXX of XXXX. Could you help me find out where the {$360.00} is so it can be returned to me?
Company Response: Closed with explanation
2017-08-18
Colts Neck, NJ
Other service problem
Money transfer, virtual currency, or money service: Virtual currency
Complaint: I was kept on hold for a total of about 35 minutes and spoke to representatives for all of about 3 minutes. I have been trying to access my money through an online exchange called XXXX XXXX XXXX XXXX. I have every right to access my money in this matter and know many who access their money through XXXX with a TD account linked with no problems whatsoever. I get a message saying TD is blocking me from third party applications. I call support and he tells me " that 's no problem, we can just lift the block from your account '' he then puts me through to a tech representative who pretty much told me what I was talking about did n't exist and she could n't help me all while complaining to me about why the support rep put me through to her iin the first place. Then I asked to speak to the supervisor who actually gave me some service but told me that I cant access my account through XXXX. I feel targeted and very annoyed that I can see account transfers on friends TD Bank applications involving XXXX but I 'm told I cant.
Company Response: Closed with explanation
2017-08-18
Jupiter, FL
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Complaint: As I do with all my bills and credit cards ; therefore, I am experienced at setting up ACH payments. I set up a ACH bank payment to pay the XXXX XXXX XXXX XXXX credit card several days before a payment of {$51.00} was due on XX/XX/XXXX. I scheduled payment in full to happen on the due date of XX/XX/XXXX. On payment date through XX/XX/XXXX I received no notice in any form from XXXX of payment or nonpayment. On XX/XX/XXXX, I went on my bank 's website and noticed that no ACH debit took place for XXXX and I called XXXX XXXX XXXX to find out what happened. Instead of taking payment or receivng cooperation, I got a rude and indifferent telephone customer service representative who could not offer any help, only telling me that the ACH payment failure was my fault and that I did not qualify at the time the credit card was opened for an in-house program that allows refund of the Returned payment fee ; therefore, I now had to pay a {$27.00} Returned payment fee, plus {$1.00} in interest charge. I asked to speak to a supervisor, he did not offer any remedy and said if I disagree the only method to address the matter was to write a letter to XXXX in XXXX and mail it. I find writing a letter and waiting for a reply very archaic in this age of internet and credit card websites and is a set up for unnecessary delay and credit card company stonewalling. Sadly, I was right. To date, I am very disappointed in XXXX 's slow response. I did write a letter dated XX/XX/XXXX requesting that XXXX cancel and credit me for the usury-level and excessively high {$27.00} fee ( more than 50 % of the balance due ), plus the {$1.00} in interest. In the same letter, I asked for a hardship waiver since my mother a part of my immediate family is with XXXX XXXX XXXX XXXX and has caused significant medical cost financial burden to me. I received a reply by mail on XX/XX/XXXX dated XX/XX/XXXX not allowing reversal of the returned payment fee and that " the payment was n't due to an error that XXXX could 've [ sic ] prevented ''. Nothing was made of the hardship waiver request. Prior to receiving the long overdue reply letter I did take the initiative to call XXXX XXXX XXXX again and only got the indifferent response of not to expect much in the letter in the mail. I did ask, if such was the case, to ask for a reconsideration. Such triggered a second XXXX letter dated XX/XX/XXXX and received today XX/XX/XXXX and it used the same language as the first XXXX letter of XX/XX/XXXX rejecting my requests. Calling XXXX just results in unempowered and unhelpful customer service representatives, writing to XXXX caused delays, insensitivity and stonewalling. I did not set up an ACH payment to fail, that is absurd. I want an end to XXXX 's delays that equates to fees that XXXX now wants to charge me. I want XXXX to assign a real human being to resolving my matter, see my XX/XX/XXXX letter, see its sincerity and reversal all fees, interest, and clear my credit, all caused by XXXX 's undue and unfair delays in responding and inability to resolve. I have from the beginning offered to pay the {$51.00} bill and am still willing to do it, just only if XXXX set up its customer service and/or Website allowed me to do so, neither offer me this option, thus I am stalled at getting to a resolution, as is!
Company Response: Closed with monetary relief