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 191
2017-06-13
Wann, OK
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Other problem
Complaint: When we applied for the account they asked when we would like the due date and we said after the XXXX as I get paid on the XXXX and XXXX . Our XXXX payday is primarily for our mortgage so all creditors go after the XXXX . They agreed. I looked at my statement and realized they made the due date some months on the XXXX and others on the XXXX . I have been charged between a {$27.00} and {$32.00} late charge for anywhere from one to for days late. This is specifically why I ask all my creditors to make my due date after the XXXX . When I called the TD Bank to discuss the issue and tell them I had requested a due date after the XXXX they told me they ca n't change my due date. This is clearly an abusive practice from TD Bank and/or XXXX XXXX XXXX to not honor a request of a customer 's due date by a couple of days and penalize them starting at one day late. Clearly it would seem this is a strategy given the closeness of the due date that was requested. Also, not having at least a one day grace period is not only a common courtesy, it 's not even an industry standard. Very aggressive and abusive.
Company Response: Closed with monetary relief
2017-06-13
Camden, NJ
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with monetary relief
2017-06-13
Willingboro, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-06-13
Jupiter, FL
False statements or representation
Debt collection: Auto debt
Attempted to collect wrong amount
Complaint: We had auto payments setup for our auto load form TD bank. Twice the auto payments got removed form our account causing us to incur late fees and to report negative stuff to our credit report. The reps told me there is a bug in their system with business accounts and auto payments. I am requesting to remove the report form my credit report and refund the late fees
Company Response: Closed with monetary relief
2017-06-13
Atlanta, GA
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: TD Bank USA/Target Card Reported on XXXX credit bureau twice. XXXX different account numbers, XXXX different open dates XXXX for XXXX / XXXX / XXXX and the other XXXX / XXXX / XXXX . XXXX account charge off amount says {$0.00}, the other account says {$1100.00}. I contacted Target yesterday XXXX / XXXX / XXXX about the accounts, c she verified I only had XXXX account with them that was settled in XXXX XXXX and said I should dispute with credit bureau. I tried twice prior to calling and it was never removed.
Company Response: Closed with non-monetary relief
2017-06-13
Mill Valley, CA
Getting a credit card
Credit card or prepaid card: Store credit card
Card opened as result of identity theft or fraud
Complaint: I contacted Target twice at this point and I supplied Target with the FTC report and a local police report as supporting documentation about the ID theft. Target received the first letter on XXXX / XXXX / 2017 , they did not update the account with the credit bureaus as disputed. They also did not respond to me personally at all. I spoke with a gentleman last week and again explained the situation, he agreed, Target had been made aware of the ID theft. I just learned today, Target insists on continuing to report the account on my credit reports. It is my understanding, this is an illegal action on Target 's part. Target also continues to report back to the credit reporting agencies that the account has been verified. This is not possible. I did not open the account, how can they verify an account I did not open.
Company Response: Closed with non-monetary relief
2017-06-13
Schdy, NY
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2017-06-13
Concord, CA
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Other problem
Company Response: Closed with monetary relief
2017-06-13
Amesbury, MA
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with monetary relief
2017-06-13
Bay Hills, NY
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Closed with explanation
2017-06-12
WA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I am a customer of XXXX XXXX and have a brokerage account with them. In XXXX they sent out an offer for their XXXX XXXX Client Rewards Card. I applied, they did a hard pull on my credit report from XXXX , and sent me a letter advising that they had denied me credit because " Unable to validate information provided on your application. '' I obtained a copy of my XXXX report and verified that all the information was correct, wrote to XXXX XXXX to advise them, and received ANOTHER letter with the same message. This time I called them and was told that it is XXXX XXXX 's policy that they wo n't process an application for anyone who does not have an SSN. Given that they have pulled my credit and seen my XXXX score of XXXX , and that I have a $ XXXX account with their brokerage arm, and that I have a perfect payment record on my other credit card, clearly XXXX XXXX has denied me credit because I am a non-citizen. Please make them stop.
Company Response: Closed with non-monetary relief
2017-06-12
Barry University, FL
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with monetary relief
2017-06-11
Allenwood, NJ
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: Due to apparent errors and miscommunication between TD bank departments regarding my mortgage account, the foreclosure on my home was placed on hold XXXX/XXXX/XXXX. I have not heard back from anyone regarding what process was being undertaken or what the plan was going forward with regard to my mortgage. On XXXX/XXXX/XXXX, my wife witnessed an individual taking pictures and investigating my property. When my wife inquired as to what this individual was doing, he apologized and drove away. I contacted TD bank that day and attempted to reach XXXX XXXX and left a message at approximately XXXX XXXX I also called TD bank 's loss mitigation department and was told that as far as they ( the representative ) could see, the foreclosure was still on hold. The representative " instant messaged '' whomever was in charge of my account and I never heard anything back. Photos of the individual and licence plate are available upon written request. My latest bank statement showed some type of legal fee for {$1500.00}. I called TD loss Mitigation on XXXX/XXXX/XXXX. The representative read over a note on the system but could not explain what it meant. An instant message was left for a XXXX XXXX who is now taking over my account. I asked to be transferred to XXXX XXXX and was placed on hold until disconnect at approximately XXXX XXXX. I received a message from XXXX XXXX on XXXX/XXXX/XXXX and called back on XXXX/XXXX/XXXX at approximately XXXX XXXX I was on the phone for approximately 45 minutes DURING MY WORK BREAK and was disconnected. I am fearful that I am re-entering the same disorganized miscommunication/ lack of communication from TD Bank that has led me here in the first place. I work full time and my wife works XXXX full time in order to bounce back from our hardships. We do not have time to go down this same road. I am communicating through CFPB in order to ensure smooth communication and accountability on the part of TD bank. Furthermore, I am concerned that TD Bank has been possibly undertaking duel tracking by placing my foreclosure on hold but still moving forward as possibly evidenced by someone inspecting my property and now engaging legal fees. I would like an explanation.
Company Response: Closed with explanation
2017-06-10
Key Biscayne, FL
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: I am a XXXX person w/ no transportation available. Three weeks ago I tried accessing my TD Bank account on line, and the security question was " What high school I had attended and I gave the lady processing my new account the answer, however i do n't know if she typed it with caps or without and two words or one word, the result is that after having tried three times the account was locked. I called the Toll free number on the screen XXXX. After reviewing the account the agent told me that because the account was totally freeze I had to go to a branch to get it unlocked. On XX/XX/XXXX I was able to get a ride and went to the branch located at XXXX XXXX XXXX XXXX , XXXX, FL XXXX. The lady was very nice, I gave her my ID, SS and account number, ad to my surprised, She told me she had to call to get the account unlocked, EXACTLY THE SAME THING THAT I HAD DONE THREE WEEKS EARLIER. They kept us waiting for half an hour and I suggested that since she had already verified my identity, that she handle the rest of the unlocking of the account, I was told she could not do that and I informed her that I could not wait there forever since my ride was waiting outside. Today XXXX XXXX aT XXXX I called the toll free number and asked to speak to a supervisor, I was kept waiting for over 15 minutes and XXXX ID no XXXX and to my surprised, she gave me the same answer, that there was nothing she could do over the phone and that I had to go the branch. HERE IS WHAT NEED YOUR AGENCY TO ADDRESS : 1 ) SINCE I AM A XX/XX/XXXX PERSON ( XXXX YRS OLD ) UNDER THE AMERICANS WITH DISABILITY ACT, TD BANK IS IN VIOLATION OF MY RIGHTS 2 ) THE BANK HAS FAILED TO ADDRESS THIS PROBLEM AND AS A RESULT I STILL HAVE NO ACCESS TO MY ACCOUNT, STATEMENTS AND TRANSACTION LEDGERS. 3 ) THE BANK NEEDS TO PUT IN PLACE A SYSTEM IN PLACE THAT ADDRESSES THE NEED OF XXXX PEOPLE. 4 ) INSTRUCT TD BANK OF THE VIOLATION AND TO ADDRESS THIS PROBLEM WITHOUT MORE DELAY, EVEN IF ONE OF THEIR EMPLOYEES AT THE BRANCH HAS TO COME TO MY HOUSE TO DRIVE ME TO THE BANK. I HOPE THAT YOU ADDRESS THIS VIOLATION AS SOON AS POSSIBLE AND MAKE THE TD BANK ACCOUNTABLE FOR THEIR ACTIONS
Company Response: Closed with explanation
2017-06-10
Ft Trumbull, CT
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: The balance in my TD B ank account ending in XXXX is overdrawn XXXX , this includes a reversal credit in the amount of XXXX . This credit is for a disputed transaction, XXXX from XXXX of XXXX . This is a fraudulent transaction, received no service from this merchant and have not done business with them . TD Bank refuses to further investigate, I was told prior by a TD Bank rep that the credit was supposed to be permanent as the investigation was closed.. However, they rev ersed credit on XXXX , overdrawing my account. The credit card authorization form provided as proof was not signed by myself, fraudulent. I 've attempted to resolve matter directly with merchant, however, they will not refund charge. I 've stopped direct deposit to this account, please advise TD B ank I refuse to pay this charge and account will go into collection unless they credit back this charge. Please do not mark this as duplicate, there is additional information contained.
Company Response: Closed with explanation
2017-06-09
MI
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: Hello, On XX/XX/XXXX 2017 I paid my minimum payment on my Target Store Card account. Then in an attempt to avoid interest on XX/XX/XXXX 2017, I made a payment of {$120.00} to cover the remaining balance using a new checking account via Target 's website. I was unable to copy and paste my account number as Target 's website would not permit me to do so, but I was able to copy and paste my routing number. Today ( XX/XX/XXXX 2017 ) upon checking my bank account I noticed that the funds for my Target card were not withdrawn. So, I checked my target card and noticed there was a return payment fee of {$27.00}. I immediately called the number located on my Target card and was informed that my check had returned " unable to locate the account. '' I asked to have this fee waved and the representative refused. I then asked for a supervisor and was transferred only to be disconnected. I called back and spoke with XXXX who sounded helpful and she waved my interest fee as she said it was a mistake on Target 's part and I should not have been charged, but she could n't wave the return check fee. I asked for a supervisor and she transferred me to XXXX employee ID XXXX . I explained the situation to XXXX and she also refused to wave the fee or transfer me to another supervisor ( she said no one would help me ). My check was NOT returned for insufficient funds. Target was probably not charged any fee for this returned check. I had previously made my minimum payment and was just making an extra payment to cover the statement balance. I believe that this fee is unjust and should not be charged.
Company Response: Closed with explanation
2017-06-09
Brooklyn, NY
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with monetary relief
2017-06-09
Tampa, FL
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-06-09
Discovery Bay, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: 2016 XXXX XXXX fo r Target Stores, is claiming I owe but I paid them in full
Company Response: Closed with explanation
2017-06-08
Claymont, DE
Managing an account
Checking or savings account: Checking account
Cashing a check
Company Response: Closed with monetary relief
2017-06-08
Hillsdale, NJ
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: An account was placed under my name erroneously. Since then, TD BAN K USA/TARGETCREDIThas damaged my name, and my credit TD BANK USA/TARGETCREDIT has entered derogatory information into my credit file. Multiple dispute letter has been sent a nd company failed to response and failed remove item from my credit file
Company Response: Closed with non-monetary relief
2017-06-07
Poughkeepsie, NY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I disputed a charge wit h TD Bank they still have not reversed it so that the account is overdrawn constantly. They also debit the withdrawals before they deposit the credits to cause the account to be overdrawn. I had deposits totaling over XXXX and withdrawals that totaled around XXXX yet they still overdrew my account to charge me fees. The deposit was n ot one that was put on hold it was an immediate credit. They do this just to increase their charges. They have charged me close to {$5000.00} in fees year to date. THEY ALSO DEBIT MY ACCOUNT FOR A CHECK IF THERE IS NOT ENOUGH FUNDS. EXAMPLE I HAVE {$100.00} IN THE BANK THEY ARE PRESENTED WITH A CHECK FOR {$1000.00} THEY DEDUCT THE {$1000.00} FROM MY ACCOUNT CAUSING IT TO BE OVERDRAWN $ XXXX CHECK IS PRESENTED FOR {$45.00} THEY RETURN IT BECAUSE THEY HAVE MY ACCOUNT OVERDRAWN WHEN THEY ARE NOT PAYING THE {$1000.00} DEBIT
Company Response: Closed with monetary relief
2017-06-07
Garrett Park, MD
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Complaint: My complaint is about TD Auto Finance. First of all, they always begin their customer service calls by stating that they are America 's most convenient bank. That is a flat out lie. They do n't invest enough in customer service because it is next to impossible to get to the within a reasonable time on the phone ... Unfortunately, I financed my vehicle with these guys. Last year I was involved in a car accident. There was a miscommunication on the part of the body shop in giving me some more time to come up with the money to repair the vehicle. The body shop contacted the bank before our agreed term and TD came to impound the car around XX/XX/XXXX, 2017. The bank never gave me a call and did not notify me. I found out through the body shop that the car had been taken. I contacted the bank to find out whether I can get an extension until XXXX to pay off the amount an redeem the car. Since I had not missed the monthly payments with the bank and due to the unusual circumstances, they agreed to give me until XXXX. I gathered my money and called the bank again in XXXX to make sure that the car had not been sold and to tell them I had all the money to redeem the car. They told me that the car was being held. I proceeded to make the full payment and asked where my car was. The bank then told me that my car is at an auction two states away and I needed to pick it up! After doing some background research, I found out through the vendor that the bank hired to do the delivery of the car that they never put a " hold '' on the vehicle. The vendor confirmed that there was no record of a hold being on my car and that they delivered it to the auction. I reached out to the bank and they were not able to explain why they failed to communicate with the Vendor ... TD AUTO FINANCE is perhaps the worst of its kind. I have had many cars financed through various other financial institutions but by far this place is the worst. I am sure that there are many cases like this. Please investigate these guys, they are hurting consumers with the incompetence.
Company Response: Closed with explanation
2017-06-06
Philadelphia, PA
Other transaction problem
Money transfer, virtual currency, or money service: International money transfer
Complaint: I went to TD Bank where my U.S. checking account is and wired two international transfers to the XXXX XXXX in the XXXX XXXX XXXX. This was on XXXX XXXX, 2017. One amount was for {$10000.00} U.S. and the other was for {$1500.00}. Both were for my father 's medical care. Neither amount arrived. I was told it would take 3-5 days. On XXXX XXXX, I called the branch and was told to wait until Friday XXXX. On Friday XXXX I was told to wait until Mon XXXX. I went into the bank on Tuesday XXXX and was told they would look into it and call me back. On Tuesday XXXX XXXX I went back in and sat for an hour while an assistant manger was on hold with the wire transfer dept. At this time I was also informed by another asst. manager that she usually tells her clients there is no guarantee the funds will arrive and that means I have lost them. I reminded her she was the one who authorized the transfer after her assistant had typed it up and she had not mentioned this before. I asked for my money back and she said she would take over and contact the wire dept to do a trace. She did not call me back so I called her, she had not been able to contact the wire dept by phone as they were busy. I asked her to cancel the transfer and refund my money. She said she could not as the wire dept were doing a trace and I she would call me back the next day. I ended up calling her back on Fri XXXX and she said it would take a few days to find out where the money had gone, but knew the request had been received by XXXX XXXX - the Intermediary Bank. Today, Monday XXXX XXXX, I could not reach her. I could not get a corporate number from the website so I called customer service and they could not give me a number to their headquarters either. I finally called another larger branch of TD and spoke to an assistant manger who said she would look into it. The money left my account on XXXX XXXX and no one informed me it had not arrived, I found that out when my father 's bill was n't paid. I contacted XXXX XXXX XXXX and was transferred to XXXX XXXX who informed me the funds had not arrived and the only thing I could do was trace it from this end. Which I 've been asking them to do. What do I do next. This is a lot of money and my father 's XXXX XXXX needs to be paid. How can TD Bank tell me I may not be able to recover my money? Please help me. They also took the Wire Authorization Form from me in order to investigate so I can only attach the letter of notification of the Outgoing Wire Transfer which came in the mail.
Company Response: Closed with monetary relief
2017-06-06
ME
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: A second mortgage was taken by myself and wif e XX/XX/XXXX . we ma de payments until XX/XX/XXXX , when I lost my job and we separated. the house was foreclosed and the second mortgage was discharged XX/XX/XXXX .The loan was originally XXXX dollars. My wife had her share, {$9000.00} reduced to {$7000.00}. On XX/XX/XXXX a court ordered judgment of {$11000.00} on me to {$20.00} a week. The XXXX they reduced my wife they added to me. They garnished {$1000.00} for 17 years totaling {$17000.00}. That {$8600.00} interest on a dischared loan.
Company Response: Closed with monetary relief