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 181
2017-08-13
Inglewood, CA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-08-12
Easley, SC
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Money was taken from your account on the wrong day or for the wrong amount
Complaint: A deposit was made by me, XXXX XXXX XXXX per a friends request as i, XXXX was told it was her payroll check. Later to be informed the check was stolen. The female was reported and incident to XXXX XXXX Police Department and TD Bank Financial Institution. In XXXX, SC.
Company Response: Closed with explanation
2017-08-12
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
Company Response: Closed with explanation
2017-08-11
Clifton, NJ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2017-08-11
Dania, FL
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with non-monetary relief
2017-08-11
New York, NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with monetary relief
2017-08-11
Phoenix, AZ
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Please see previously filed CFPB complaint ( XXXX ) This is a complaint from XXXX XXXX ( represented by XXXX XXXX XXXX XXXX XXXX XXXX ) against TD Bank. We have made multiple attempts to communicate with TD Bank regarding this matter being reported on consumer 's credit report. TD Bank has not responded to any correspondence except the previously filed CFPB report, in which they claimed to have not received a Power of Attorney. When we called TD Bank, they claimed that they had received the original Power of Attorney we sent, but it had been too long and we would need to send another. They claimed they could only receive it via fax -- we sent it both via fax and mail. The fax number they had given us was broken, and they have yet to respond to the letter.
Company Response: Closed with explanation
2017-08-11
Garland, TX
Incorrect information on your report
Credit card or prepaid card: Store credit card
Account information incorrect
Company Response: Closed with explanation
2017-08-11
Hawthorne, CA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-08-10
Hulmeville, PA
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
2017-08-10
NJ
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: I am requesting your assistance with a violation of the Fair Credit Billing Act. Currently ( XX/XX/XXXX ) my bill is higher than what is should be due to customer service rebilling me for three credits that were posted to my account. I have tried in vain and in good faith to contact TD Bank Credit Card Services orally and in writing but to no avail. I am really disgusted with this whole situation as it was avoidable but has unfortunately caused me a great hardship. The transactions in reference are : XXXX # XXXX XXXX CREDIT ; Reference XXXX ; Activity Date XX/XX/XXXX ; Posting Date XX/XX/XXXX XXXX # XXXX XXXX CREDIT ; Reference XXXX ; Activity Date XX/XX/XXXX ; Posting Date XX/XX/XXXX XXXX # XXXX XXXX CREDIT ; Reference XXXX ; Activity Date XX/XX/XXXX ; Posting Date XX/XX/XXXX The first credit for XXXX appears as a transaction on the XX/XX/XXXXto XX/XX/XXXX period while the other two credits for XXXX and XXXX are on the XX/XX/XXXX to XX/XX/XXXX statement. A copy of each of these statements ( XX/XX/XXXX to XX/XX/XXXX & XX/XX/XXXX to XX/XX/XXXX ) is attached to this email. In XX/XX/XXXX or XX/XX/XXXX I opened a TD Bank Rewards Credit card ending in XXXX and sometime in XXXX XXXX the account number was changed to one ending in XXXX. Customer Service has used this as an excuse to justify the fact that as of XXXXXX/XX/XXXX my account ending in XXXX was charged an extra XXXX as these same three credits listed above magically became debits. This can not be tolerated as it implies one or both of the following : either TD Credit Card Services is intentionally stealing from consumers or TD Credit Card Services does not know the difference between a credit and a debit. The excuses I have received from TD Credit Card Services are also unacceptable. For example, I was informed that these three credits f
rom XXXX were mistakenly placed in the wrong column as credits are manually processed due to the change in account numbers. I was told that the overcharges would be removed within 5-7 business days but it has been more than a month and nothing has happened. I am extremely upset about this because this means I can no longer trust this bank as I thought I could to process routine credits and debits without overcharging me. I have had other credit cards with other banks and I have not had this problem before so what is going on here? Is there some kind of theft ring? Attached you will also find the billing statement for the period XX/XX/XXXX to XX/XX/XXXX. At the end of the billing cycle the balance was XXXX. Next is the billing statement for the period XX/XX/XXXX to XX/XX/XXXX and this is where the problem lies. During the period of XX/XX/XXXX to XX/XX/XXXX I only made two purchases which were XXXX XXXX in the amount of XXXX and XXXX XXXX in the amount of XXXX. However the total purchases for this period are incorrectly showing as XXXX. The reason the purchases for the period ( XX/XX/XXXX to XX/XX/XXXX ) are incorrectly listed as XXXX is that the account was debited on XX/XX/XXXX for the same three XXXX credits listed earlier in the beginning of this email. Prior to the XX/XX/XXXX issue, I checked the tdbank online website and I saw the same three credits from XXXX XXXX listed as debits on XX/XX/XXXX. However when I called TD Credit Card Services they admitted that these three debits did not really exist. According to TD, the tdbank website does not provide the most accurate information on the credit card transactions while the tdcardservices website does. Later around XX/XX/XXXX I received a letter from TD admitting that these three transactions were actually credits and that my account would be credited however it never was. Therefore TD should simply XXXX out this entire bill and I can take my business elsewhere. My bill is higher than what is should be and due to TD 's bad faith they should cancel the entire balance. Upon review of the billing statements from XX/XX/XXXX and XX/XX/XXXX one will clearly see that on the XX/XX/XXXX statement I was overcharged for purchases. For the XX/XX/XXXX statement TD fraudulently claims I authorized charges from XXXX XXXX in the same amounts of these credits listed earlier. The only charges I authorized on the XX/XX/XXXX statement were XXXX XXXX for XXXX and XXXX XXXX XXXX for XXXX. When you add these two numbers you arrive at XXXX and not XXXX. TD claims the purchases for the XX/XX/XXXX statement total XXXX because they have re-charged my account for the three XXXX credits mentioned earlier. Clearly TD does not know the difference between adding and subtracting. It is unfair for TD to intentionally create this mess and refuse to fix it despite the clear problem explained in the previous paragraph. It is also clear that TD is using dishonest record keeping methods in an attempt to cheat customers. As I mentioned earlier TD has two different ways for customers to check their credit card balances, yet according to TD the tdbank website provides inaccurate information while the tdcardservices site provides accurate information. Since I never authorized any charges with XXXX for the amounts of XXXX, XXXX and XXXX at any time to my credit card ending in XXXX or XXXX then it is fraudulent for TD to insist on charging me for these same amounts that TD has already admitted were credits.
Company Response: Closed with monetary relief
2017-08-10
Hayward, CA
Incorrect information on your report
Credit card or prepaid card: Store credit card
Account information incorrect
Company Response: Closed with explanation
2017-08-10
Chicago, IL
Fraud or scam
Money transfer, virtual currency, or money service: International money transfer
Complaint: International Wire Transfer Request Date : XX/XX/XXXX Amount sent:XXXX dollars The TD Bank representative assured me that money will be available within 2 days. TD Bank promised to make it available for use of recipient : XX/XX/XXXX The money is still not available to the recipient till date -- XX/XX/XXXX. I have been continuously following up with TD Bank since past two months on it, I made more than 20 phone calls but nothing worked out. throughout this process they have been providing me misleading information about the status of wire. Initially, I realized that they did not have enough knowledge/experience for working with international wires which is causing the delay. There is a lot to tell but to be precise they told me that on XX/XX/XXXX they have sent the money to the recipient bank and TD has put a confirmation tracer on it no sooner it get credit to the recipient account TD bank will get informed and they will let me know. But even after the lapse of 2 weeks the funds were not credited to the recipient bank. First the branch representative told me same story that they have sent the money to the recipients bank. I asked him to provide me some reference number or document as the recipient 's bank told me that they did n't received anything from you.Upon this the TD bank 's representative told me that they even did n't sent the money to them yet. The wire is still with some sort of intermediary bank called XXXX XXXX. It make me to think that it is a fraud/scam which they are committing with partnership of intermediary bank XXXX XXXX. TD bank stressed me out over the past two months.Several time they lied with me that the money is with the recipient bank. accordingly we checked with the recipient bank upon their denial I contacted back with TD and each time and they told me a different story. Now TD bank 's team have started to almost harass me.Therefore, it looks like that they are deliberately want to just steal my money with partnership of XXXX XXXX. Nothing can be worse that TD bank when it comes to money transfers.
Company Response: Closed with monetary relief
2017-08-09
Knickerbocker, NY
Opening an account
Checking or savings account: Checking account
Unable to open an account
Company Response: Closed with explanation
2017-08-09
Poland, OH
Trouble using your card
Credit card or prepaid card: Store credit card
Can't use card to make purchases
Company Response: Closed with explanation
2017-08-09
Cheverly, MD
Managing an account
Checking or savings account: Other banking product or service
Banking errors
Complaint: In XXXX, XXXX, XXXX of 2014 we paid our mortgage via TD Bank bill pay. See bank statements. TD Bank pulled the mortgage payments from our account through bill pay to send to XXXX. Three months later we learned about the non-payments from a letter threatening foreclosure from our mortgage company. Upon contacting our mortgage company, research and investigation we learned TD bank was depositing our mortgage payments back into our account. The deposit did not catch our attention because the deposit would happen 2-3 weeks later, and in some case the re-deposit would occur the following month. As a result XXXX reported to the credit bureau that we were behind on our mortgage which affected our credit and we were kicked out of a loan forgiveness program that would have eliminate {$50000.00} from our mortgage principle. TD bank never sent us a notice notifying us the payments are being returned. TD bank did not make any efforts to communicate with us in a timely manner about the non-payment of bills. Notices should have been sent either U.S mail, email or account message within the online banking system. TD bank 's neglect has cost us more than a year 's salary.
Company Response: Closed with explanation
2017-08-09
Garrett Park, 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
Complaint: Dear CFPB, Target / TD bank has been reporting a charge off on my credit report for years. I have tried countless times to call Target and have been unsuccessful. The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security. I asked Target to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This Target account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim. Would you please assist me in getting this charge off removed from my credit report immediately? Target has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me! Thank you in advance,
Company Response: Closed with explanation
2017-08-09
Cedar Falls, WA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Company Response: Closed with explanation
2017-08-09
NJ
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: I opened TD Premier checking account by clicking on the button of the attached picture bonus_promo.jpg on XX/XX/XXXX. It promised me {$300.00} bonus if I follow reasonably simple rules listed on the same picture I followed them and by XX/XX/XXXX had $ 2500+ in direct deposits, see " ACH DEPOSIT, XXXX XXXX XXXX XXXX '' marked transactions in XX/XX/XXXX and XX/XX/XXXX statements. Since the promo did n't say when bonus will be paid out and it was n't showing up on my account I submitted online inquiry. Since response was n't of any substance to my particular case I tried again, with the same result ( see attached XXXX and XXXX Since online inquiries werent going anywhere, I started calling TD customer service at XXXX. On XX/XX/XXXX I spoke to XXXX, who did math together with me, agreed that all conditions of the promotion were satisfied, confirmed that having credit card account with TD prior to opening bank account did not disqualify from this promotion and told me that bonus should be paid by XX/XX/XXXX On XX/XX/XXXX I spoke to XXXX, who confirmed everything that XXXX confirmed and promised that I will have a response within a week. On XX/XX/XXXX I spoke to XXXX, who also agreed that I satisfied all the conditions of the promotion yet pointed me at the bonus promo FAQ page ( see Bonus_promo_FAQ.jpg ) and said that bonus will be paid by XX/XX/XXXX according to it ( 95 days after {$2500.00} in direct deposits ) On XX/XX/XXXX I went to my local branch at XXXX XXXX XXXX XXXX, XXXX XXXX , NJ XXXX and spoke to XXXX XXXX ( XXXX XXXXXXXXXXXX ) - who also agreed that all conditions were met and he send an email to XXXXXXXXXXXX, who would supposedly fix it After not receiving any response from XXXXXXXXXXXX in about a week I called customer service again on XX/XX/XXXX and spoke to XXXX. XXXX also agreed that all conditions of the promotion were met. He clarified that there were 2 different promotions, one {$2500.00} in direct deposits within 90 days and bonus payout after 125 days of account opening - the one that I was using, and the other one ( {$2500.00} in direct deposits within 60 days and bonus payout after 95 days after deposits completion - the one described in bonus_promo_FAQ.jpg ) And in my case bonus should have been paid by XX/XX/XXXX and in any case I satisfied conditions of either promotion. He sent email to some promo department and said that they should fix the problem within a week or so It is XX/XX/XXXX now, bonus still have n't been paid. All customer service representatives I spoke to were very courteous and professional. Unfortunately, after 2 online inquiries, 4 calls and 1 in person visit I still was n't able to get promised bonus, so I do n't think they are able to help.
Company Response: Closed with monetary relief
2017-08-09
Manhattan, NY
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Closed with explanation
2017-08-08
Las Vegas, NV
Problem caused by your funds being low
Checking or savings account: Checking account
Non-sufficient funds and associated fees
Company Response: Closed with monetary relief
2017-08-08
MA
Money was not available when promised
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: I had a IRA CD with TD Bank that was due on XX/XX/XXXX. I submitted the paperwork to have it transferred to another Bank on XX/XX/XXXX
The check was to be made out to the other bank and it should have been made on XX/XX/XXXX the day that the CD was due. We continued to check with the new bank to see if the money had arrived and was told no.
I went to the TD Bank on Tuesday XX/XX/XXXX to verify that everything was all set and the young lady told me that the account had been closed so I assumed that the money was sent. When the other bank had not received the funds by XX/XX/XXXX I went to the TD Bank in XXXX MA again on XX/XX/XXXX and spoke to XXXX XXXX at XXXX. He check the account and told me that the check was sent that day Aug 4th. He said that they had 10 days to process the CD which I understand is not correct. I have ten days to decide what I want to do but the bank needs to process it when they have the directions which was prior to XX/XX/XXXX.
XXXX was to call me on Monday XX/XX/XXXXto give me the check number and tracking number but he did not call. On XX/XX/XXXX I called XXXX and he then told me that the check was sent on XX/XX/XXXX.
I then talked to the Branch Manager XXXX XXXX about this and he got me the check number but no tracking number and he told me that the check was mailed on XX/XX/XXXX.
They also reduced the interest paid from 1.25 % to 0.75 % for the period form XX/XX/XXXX to XX/XX/XXXX
I still do not have the check and do not know why they did not process it onXX/XX/XXXX which is the federal law.
I also think that they did not send the check until MondayXX/XX/XXXX so that they could use my money over the weekend without paying interest.
I do not understand how they can break the federal rules with no impact. They claim that they did not break any rules. I now must wait until the funds arrive in the US mail before I can roll over my IRA.
Bottom line is that TD Bank is not following the banking rules and taking advantage of their customers.
Company Response: Closed with monetary relief
2017-08-08
Brant Lake, NY
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I have a checking account through TD bank. Recently my account was overdrawn due to several transactions from a previous week hitting my account. I asked several employees if the " available balance '' was what I could use without overdrawing my account. I was told yes by all employees I asked, obviously this was false, considering I got charged {$170.00} in overdraft fees. I spoke to someone on the XXXX of XXXX, they credited my account with half of the fees, told me my new balance, and everything was all good. Now on the XXXX of XXXX they charged me another {$70.00} in overdraft fees for two transactions that went through, now there was enough in my account to cover these transactions. So now, my account is overdrawn again, with five pending transactions that will also incur fees, although I had enough to cover these purchases. I also have it set up so my account should not be getting overdrawn, the transactions should be declined. So if there was not enough to cover the charges from the first two transactions ( there was ), the other five should never have been approved. I was told the available balance on the mobile app was up to date and what is available to you without overdrawing. Which has proven to be completely false and misleading.
Company Response: Closed with explanation
2017-08-08
Astoria, 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
2017-08-08
MD
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: We pay extra every month on a car loan that we obtained in XXXX 2016. We noticed the extra amount paid was not applied to principal. We called TD Auto Finance, and they stated that they would not apply the extra amount to principal unless we called them every month. To reach an agent every month takes quite a bit of time. We offered to put it in writing to apply the extra amount to principal, but they said they could not accept a letter with instructions. We have called several times to no avail. We have paid extra every month, but they do not apply it to principal unless we take the time to call plus it does not go against principal until they receive the verbal instructions. My understanding of financial regulations is that the finance institution should apply extra payments to principal if no other amounts are owed. TD Auto Finance said the only way it would automatically go against principal if we used their bank.
Company Response: Closed with explanation