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 195
2017-05-17
Copper Center, AK
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Complaint: XXXX XXXX the payment I owed to Target of XXXX which was received 6 days late due to a problem that I was not aware of. I was out of Alaska, in XXXX and I did not receive any statement from Target with late dues. When I came back which was in XXXX XXXX I tried to explain to Target that I was out of the country, and was sure that the amount was paid. They said that the 30 days in which I should have resolved the issue I did n't call ... ..but how could I be aware that the payment to Target of XXXX came 6 days was late? I tried to resolve the issue with them, but there was absolutely no opening. Nor there is any opening from their side right now. They have sent this to XXXX which is creating a problem for me. I would very kindly suggest that you mediate in this affair. I do not owe anything to Target, there are only charging interests. Even though I tried to pay the interests for one month, for the delay ; they are not considering that either. Thanks XXXX XXXX Target Account Number XXXX
Company Response: Closed with explanation
2017-05-16
Wallington, NJ
Closing on a mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-05-16
Ridley Park, PA
Confusing or missing disclosures
Money transfer, virtual currency, or money service: Debt settlement
Complaint: I have a line of credit with TD bank. I pay the balance via online pay at onlinebanking.tdbank.com usually 2 wee ks early. I paid the entire balance that displayed on the website of {$4000.00} on XXXX / XXXX / XXXX . On XXXX / XXXX / XXXX , I noted that there was a {$20.00} charge on the line of credit. I presumed that this was an interest charge. I paid the {$20.00} and there was an immediate {$5.00}. I called TD Ba nk and spoke to XXXX , then her supervisor XXXX XXXX ( XXXX ) at TD B ank explained that there is no way to see the entire balance. As a consequence, my balance accrued interest in the amount of {$20.00}. Once I paid this balance, there was anther accrued interest of {$5.00}. The only way that customers must call to find out the true balance is call. This, I believe, is deceptive practice, as I have accrued interest on a balance I did not know existed. This is a hidden fee that is unfair. I do not think I owe them any interest and have asked that they refund the {$25.00}. TD B ank should be required to show the entire balance owed to ensure that are not deceptively charging customers for hidden balances.
Company Response: Closed with monetary relief
2017-05-16
PA
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: I signed up for a TD Bank acco unt for their {$300.00} deposit bonus. I completed the required steps to receive the bonus, and then after the deadline for the requirements they decided to tell me that I did meet them, even though the transactions in the account clearly showed that I did. I could have had this money invested earning interest but instead these crooks got to earn free interest on my money then deny me the bonus that was promised.
Company Response: Closed with explanation
2017-05-16
Miami, FL
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2017-05-16
Hollywood, FL
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
2017-05-16
Plymouth, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Recently became aware of a credit card with td bank that was opened in my name by my sister and her husband. The account is past due and affecting credit score because both my sister and her husband were killed in an auto accident so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the death certificate of my sister which I faxed to them. After 2 weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.
Company Response: Closed with non-monetary relief
2017-05-16
Pinellas Park, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: My younger brother and sister opened up the account on XXXX XXXX when they were shopping for a XXXX gift for our mother and realized they did not have the funds, but Target offered them the option to open a card and have the payments due at a later time. I was not aware it was opened. I did not receive any mailings because the wrong address was on file. An old driver 's license was used to open the account. I realized the debt existed when I saw on my credit r eport that two mis sed payments were reported. I have gotten nowhere with speaking to Target on the phone on XXXX XXXX and on XXXX XXXX . I also visited the store on Friday XXXX XXXX and was told that nothing could be done regarding the account, past balance, or anything. I tried getting the most recent late fee removed, or offering to settle the account at 90 % of the balance. Both were denied. I am looking for a small measure of debt relief on a fraudulently opened account that I have proof it was never activated after the initial purchase.
Company Response: Closed with explanation
2017-05-16
Simbury, CT
Unexpected or other fees
Money transfer, virtual currency, or money service: Check cashing service
Company Response: Closed with explanation
2017-05-15
Discovery Bay, CA
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Card was charged for something you did not purchase with the card
Complaint: The magnetic strip was not working on my Targ et Red Card so I ordered a new card. I never received the new card. Someone intercepted the new card, activated it online and used it to purchase electronics. On XXXX XXXX , 2017 I was notified of the series of fraudulent charges. I immediately disputed these charges. I contacted an attorney who sent in an ID Theft Affidavit, Police Report and supporting documents. We are also working on getting the surveillance tapes from Target. Target denied my ID Theft claim based on the wrong information that the card used to buy these electronics was in my possession. The card used to purchase the fraudulent items was the replacement card that I never received. I have had a very difficult time trying to work this out with Target. I hope your agency can help communicate the correct facts and get this resolved. I have made the minimum payments on this account, so my credit is not ruined.
Company Response: Closed with monetary relief
2017-05-15
Ferndale, NY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2017-05-15
Blackwood, NJ
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with monetary relief
2017-05-14
Ocklawaha, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: had account with TD bank in XXXX XXXX florida around 2013. closed the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my XXXX and credit report just with the last two months. I do not have my old account number. want it removed immediately
Company Response: Closed with monetary relief
2017-05-14
Garrett Park, MD
Other transaction problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: I went to the TD Ba nk in XXXX MD on Friday, XXXX XXXX XXXX to cash a check for {$9000.00} that was written on a TDBank checking account. The He ad Teller , Ms. XXXX XXXX , assisted me with the transaction. She asked for my identification, which I promptly provided. She took a long time working on the transaction ( probably about 10 minutes ). She consulted the computer an d one o f her colleagues ; and a t one point went into the back. Finally, with another bank teller at her side, she told me that they would not be able to cash the check since it was for such a large sum and they had tried to reach the person who wrote the check by telephone to confirm that it was OK to cash the check. I responded by saying, " Why would you need to call him to cash the check? He has an account here and you should be able to confirm that he has sufficient funds with which to honor the check. '' Ms. XXXX explained that " this is a small bank branch and the check is for a lot of money. '' She asked if I had an account at TDBank. I told her " no '' and she asked if I wanted to open an account with them. I told her " no '' and that I have an account at another bank. I explained that I simply wanted to cash the check that was drawn on TD Ba nk. She refused to cash the check. I had to ask her to return the check and my identification in order to get both back. I left the bank without being able to cash a check that was drawn on the bank.
Company Response: Closed with explanation
2017-05-14
Concord, CA
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 non-monetary relief
2017-05-14
NY
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: Took out a bank card for {$200.00}. Forget to pay back.
Company Response: Closed with explanation
2017-05-14
Lewisville, TX
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: This complaint is with Target Redcard. This involves fees levied after I experienced theft In my banking account, which forced me to change my billing bank account information associated with my Target XXXX. <P/>I 've been enrolled in XXXX auto-pay for several years, which has always deducted my statement account balance from my bank as an auto-payment. When I changed my bank account in XXXX, I did forget to update my target XXXX auto-pay info. As a result, the XXXX XXXX payment went to my closed account, it was rejected and I was charged a {$27.00} fee plus another {$1.00} fee. Upon relalizing my mistake on XXXX XXXX, I logged onto my account, added my new bank account, and paid off my entire balance in full, leaving me at a XXXX balance. I noticed the auto-pay did n't seem to take or finalize, so I called XXXX customer service to make sure I was doing everything right, so there were no further issues. I was told it takes a few days for auto-pay updates to process, so I needed to log in again later to finalize. The operator also acknowledged that she saw I had paid my balance in full for XXXX so that gave me plenty of time to make sure things were correct before the XXXX billing cycle. The key here, is that this a credit card, not a debit card. Previous auto-pays processed for the previous months closing statement amount, never my current balance. So here, I had a XXXX balance on XXXX XXXX. On XXXX XXXX I went to Target and made {$130.00} in purchases. On the same day, XXXX XXXX, XXXX drew {$130.00} from my old accont. Having made that XXXX purchase since I had payed my bill in full on XXXX XXXX, it reminded me to make sure the auto-pay was updated and correct for my next statement cycle, On XXXX XXXX I logged in to my account to find the {$130.00} purchase I made on XXXX XXXX was deducted immediately from my account that same day. ByXX/XX/XXXXI had incurred another {$27.00} charge because it went to the old account. Again, it 's a credit card, not a debit card, and payments were set up to draw off the current statement balance ( which was always from the previous month ). I 've spent over 6 hours on the phone with Target XXXX, and talked to over 10 different employees. At about hour 5 on the phone with XXXX staff and supervisors! XXXX finally informed me that when you pay off your account in full with a one time transaction, the next auto-pay will then default to take any active balance ( not just your statement balance ). XXXX said that by zeroing out my account on XXXX XXXX, that gave Target XXXX auto-pay permission to then take any active balance as part of the Auto-pay scheduled on XXXX XXXX. I asked why I was n't given this important information when I called in on XXXX XXXX. I was simply told it was my fault, not theirs. I talked to 5 supervisors XXXX, XXXX, XXXX, XXXX and XXXX. <P/>Very unpleasant experience. Was told this was my tough luck, and there was no escalation beyond them, but I could try writing a letter. I 've included a snapshot of my transaction statement. Remember this a credit card, not a debit card, but it shows my bank account was debited the same day I made the purchase. In fact, the bank draft posted 1 line item before the purchase posted. <P/>I 'm asking for the second {$27.00} fee to be waived. The first mistake was mine, but I paid off my complete balance in full, and called into customer service to make sure I was good, and would have no issues in the future. XXXX failed to inform me of their auto-pay practices. Even talking to a supervisor, it took the 4th supervisor to offer an any explanation as to why a credit card would withdraw your account for a purchase you made the same day. The whole experience screams of mismanagement and consumer fraud. Target XXXX turned my credit card into a same day billed debit card without adequately informing me. In lieu of the fee being waved, I also would take a target gift card worth {$27.00} and call it a day. <P/>XXXX XXXX Target Redcard Customer Phone number is XXXX
Company Response: Closed with explanation
2017-05-12
Bannockburn, IL
Other transaction problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Company Response: Closed with monetary relief
2017-05-12
Brooklyn, NY
Getting a credit card
Credit card or prepaid card: Store credit card
Card opened as result of identity theft or fraud
Complaint: TD Bank improperly approved a XXXX store credit card application fraudulently prepared in the name of XXXX XXXX , a XXXX -year-old XXXX XXXX resident. XXXX XXXX , who subsists on XXXX and a pension, is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . On or abo ut XX/XX/16 , employees at a XXXX XXXX XXXX used blatant misrepresentations to mislead and unduly pressure XXXX XXXX , without his informed consent, into signing documents that resulted in his enrollment in three credit card accountsincluding a TD Bank XXXX account ( XXXX ), which XXXX XXXX would not be able to use anywhere besides that storeused to finance a total purchase of more than {$17000.00} in merchandise. ( XXXX XXXX has submitted separate complaints about the other XXXX accounts with XXXX XXXX and XXXX . ) On or about XX/XX/16 , XXXX XXXX went to a XXXX XXXX XXXX XXXX store at XXXX XXXX XXXX , XXXX , NY XXXX to buy a stereo. An employee put XXXX XXXX on the phone with someone who asked for his income and whether he had previously been issued credit. XXXX . XXXX said he received Social Security and a pension, and had been issued a XXXX XXXX credit card a few weeks ago. After the call, the store employee told XXXX . XXXX he was approved for financing and could get anything he wanted. XXXX XXXX insisted he wanted only a stereo, but the employee began to fill a garbage bag with many other items, ignoring XXXX XXXX repeated protests that he did not need, could not afford, and did not have space in his single rented room for those items. The employee pushed papers in front of XXXX XXXX and told him to sign them. XXXX XXXX , ashamed he XXXX XXXX , said he did n't have his glasses and asked what the papers said. The employee said the total purchase cost {$3000.00} and he would have to pay only XXXX XXXX /month . He was not told that the total purchase in fact cost {$17000.00} and that he was being enrolled in multiple credit card accounts, including a TD Bank XXXX credit card account with a 28.99 % APR and a {$10000.00} credit limit. Nor was he told that the TD Bank account alone would be charged XXXX XXXX ju st {$7.00} shy of the {$10000.00} credit limit ( see attached ). ( The XXXX credit cards required a combined monthly payment of over XXXX XXXX abo ut one-fifth of XXXX XXXX monthly income. ) It now appears that the store employee had XXXX XXXX sign XXXX blank sales invoicesone for each fraudulent credit card accounton which the store then listed numerous items with prices. All too conveniently, the total cost on each invoice virtually matched ( and in one instance exceed ed ) each accounts credit limitthe TD Bank account had a {$10000.00} credit limit and was charged {$9900.00} ; the XXXX account had a {$4000.00} credit limit and was charged {$3900.00} ; and the XXXX XXXX account had a {$3000.00} credit limit and was charged {$3200.00}. The items charged to the TD account include an XXXX home stereo for {$500.00}, an XXXX laptop for {$1400.00} ( even though XXXX XXXX told the store employees he does not know how to use computers ), a pillow top mattress for {$990.00} that was never even delivered, and a XXXX music system {$2100.00}. A few days later, XXXX XXXX returned to the store with his brother and asked to return the items, including the never-delivered mattress, pointing out that only a few days had passed, that XXXX XXXX was overcharged, and that the mattress had not even been delivered. A store employee insisted the items could only be exchanged for store credit and refused to provide copies of the documents XXXX XXXX had signed. This experience has caused XXXX XXXX XXXX XXXX , hopelessness, and XXXX , and XXXX his XXXX , XXXX XXXX , and XXXX to which he is subject. He has also expressed XXXX XXXX to his brother.
Company Response: Closed with explanation
2017-05-12
Ocklawaha, FL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: XXXX XXXX XXXX Installment loan for {$5000.0 0} I Applied a nd they denied. They denied me because of limited Credit Experience . They only applied for a installment loan when i wanted to apply for them all. Due to redlining and the Homestead Act i feel their practicing those discriminating acts on me.
Company Response: Closed with explanation
2017-05-12
DE
Getting a credit card
Credit card or prepaid card: Store credit card
Card opened as result of identity theft or fraud
Complaint: On XXXX XXXX , I received a claim demand form Register of Wills for {$1600.00} from XXXX Services/Target Credit Card. I contacted a representative ( XXXX ) o f XXXX XXXX who would not discuss the account of XXXX XXXX XXXX XXXX with me, only with XXXX XXXX and XXXX XXXX . I faxed a documented proof, I was co-administrator of the Estate of XXXX XXXX XXXX XXXX , I rejected the claim of {$1600.00} by XXXX XXXX Target Credit Card based on XXXX XXXX XXXX XXXX suffering from XXXX and survived 18 years of XXXX XXXX . I requested Target Credit Card provide me with documented proof XXXX XXXX XXXX XXXX signed any or all Target Credit Card receipts within the past two years especially l between the period of XXXX , XXXX through XXXX XXXX , XXXX . XXXX XXXX made several unauthorized cash transactions on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account after her death on XXXX XXXX , XXXX . XXXX XXXX never had official Power of Attorney for XXXX XXXX XXXX XXXX . Therefore, XXXX XXXX could not sign any checks or credit card receipts for XXXX XXXX XXXX XXXX . Consequently, if XXXX XXXX signed any or all Target Credit Card receipts, then her actions constitute credit card fraud which is illegal un der Federal and State Banki ng laws.
Company Response: Closed with explanation
2017-05-12
Keezletown, VA
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
Complaint: This complaint is against TD Bank - Credit Card division. Since around XX/XX/XXXX, I have gone round and rough with TD Bank. They have NOT protected my consumer rights allotted by through in using their credit card. I disputed a charge from XXXX XXXX in XX/XX/XXXX and several times since as they keep putting the charge back onto my account finding in favor of the Merchant ... which is ludicrous! I do NOT believe that the disputes back office team ( that the customer nor their disputes department has no way of speaking with ) is reviewing my mountain of evidence submitted ( granular details, copies of receipts for products that I purchased and supplied that we suppose to be used by XXXX towards the service, copies of coupons used, etc. On XX/XX/XXXX, I spoke with a TD Representative, XXXX, in the Disputes department. She informed me that the case was ruled in the favor of the Merchant ( XXXX ) due to representment and the charge of {$99.00} on XX/XX/XXXX was placed back onto my account. I was told, by the Rep, that in order to re-open this case, I have the option of sending this e-mail to do so. I wish to re-open this case for further investigation and consideration of refund. The Rep provided notes to the back office Disputes Team with my wish to re-open the case. That confirmation # is : XXXX. I have initiated complaints with the Better Business Bureau and Consumer Financial Protection Bureau against XXXX XXXX XXXX XXXX and now with TD Bank for not protecting my consumer rights in using the credit card ending in XXXX. An outcome other than a 100 % refund is and will be considered unacceptable and unresolved. I faxed in and provided written evidence that I believe has only been skimmed through and not fully reviewed. In synopsis, my situation is that I paid for specific services that were not provided ; a standard oil change ( with free tire rotation ) and a coolant flush using a machine. Please take note of the underlined and bold words. C-VAC - Coolant Service Machine FEATURES Rapidly drain & fill coolant with the radiator mouth suction and fill process Quickly & completely flush / exchange all coolant in the system Drain for component change Perform a pressure test on the system & radiator cap I hired XXXX XXXX XXXX XXXX in XXXX, VA to use a machine, traditionally called a Coolant Service Machine ( C-VAC ) to completely drain and flush all of the coolant from my vehicle ( engine, hoses, radiator, reserve tank, etc. ) and by hooking up to a C-VAC machine that they confirmed they had and would use on my vehicle back in early XX/XX/XXXX. They were also hired and instructed to do a standard oil change. I brought in several coupons from XXXX 's website and from a competitor 's. XXXX accepts competitors coupons and provides an additional 5 % discount to that coupon. To go on, I provided ALL of my own coolant fluid ( XXXX ) and ( 1 ) quart of XXXX XXXX XXXX that replaced having to use one of their quart 's of oil. In providing my own fluids and working with the Assistant Manager, XXXX took my coupons as partial payment and the remainder owed with {$99.00}. Please refer to the initial invoice. In multiple places, you will see that their was no miscommunication as to what the job entailed -- Coolant Flush. XXXX confirmed with me that the service technician only completed a coolant drain and not a coolant flush. A coolant drain only consists of pulling a plug at the bottom of the radiator and allowing the coolant to drain into a bucket. They put the plug back in and refill with new coolant. This is NOT what I hired them to do and not what the regular maintenance in my vehicle 's manual calls for. A drain leaves a great portion of coagulated coolant with gunk/debris left in the hoses, engine, etc. and on the inside lining of the hoses, etc. A flush is connected to a machine and uses high pressure to remove ALL coolant fluids from the vehicle. Then, brand new coolant/DexCool can be added. This is the correct way, the way that was discussed and instructed, but was NOT performed -- -I want a 100 % refund. XXXX lied in their first rebuttle stating that the discounts on the initial invoice was relating to trying to appease/resolve my complaint.This is a lie. The discounts are solely related to my coupons and my bringing my own supplies ... so they did n't have to use their own! I am outraged at TD Bank not fully advocating me in this situation as provided by law. This is not resolved. I do request that you all review my mountain of evidence and everything that was submitted. Any reasonable, rationale person would be able to easily conclude that XXXX did not provide the services that they were hired for. You ca n't just do part of a job or a different job and expect to get paid. This is fraud. TD Bank, please step up and see that Fraud by XXXX XXXX was committed! Do the right thing and refund my money! Thank you. XXXX XXXX Cell : XXXX XX/XX/XXXX XXXX XXXX Country Code : Original Account Number : XXXX Currency : US Dollar ( USD ) Merchant : Merchant Information : XXXX XXXX XXXX VA Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX Transaction Type : Purchase Reference Number : XXXX
Company Response: Closed with monetary relief
2017-05-12
Ft Lauderdale, FL
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Complaint: I was charged a {$35.00} NSF fee. I requested for TD B ank to return the fee because not only did they charge me the {$35.00} NSF fee but they paid the charge to XXXX XXXX XXXX on XXXX but on XXXX / XXXX / XXXX they reversed the charge causing the company to also charge me a fee. That is not right for them to pay and then reverse and still charge the fee. I opened this account online and I indicated to a few reps that I did not agree to this. I was told that they previously credited NSF fees but the few fees that were reversed were due to no fault of my own so they were justified credits, not done as a favor as they tried to make it seem .So, I requested for the rep to forward me a copy of the application signed by me because I know I did not agree to these terms and I was directed by the rep to go into a walk in location. I informed her due to health issues I can not go to a walk-in location ; however I am supposed to be able to request this information in this format as well. I have had the account a while so it is not as if I am a fly by night customer.
Company Response: Closed with monetary relief
2017-05-11
Poughkeepsie, NY
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: I set up automatic payments in XXXX for this XXXX and XXXX account and provided all of bank information in which to process payments. They took the first payment in XXXX but failed to take the next payment in XXXX although they had all of my information on file. I never received anything via mail or email regarding the account and had assumed the payment would be taken. I received a call on today advising me to contact regarding the account and found that the payment was not debited for XXXX and I had subsequently been billed a late fee. I advised them that I set-up autopay in XXXX but they claim it was only set for one-time payment and refused to correct any derogatory information reported. I pride myself on a goo d credit score and want derogatory information removed as well as the late fee removed. I have gone on-line and made the payment and would like the issue resolved ASAP.
Company Response: Closed with monetary relief
2017-05-11
Lathrup Village, MI
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Company Response: Closed with explanation