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 196
2017-05-11
Brooklyn, NY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with monetary relief
2017-05-11
Jacksonville, FL
Managing an account
Checking or savings account: Checking account
Fee problem
Company Response: Closed with monetary relief
2017-05-11
Billerica, MA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with monetary relief
2017-05-11
Miami, FL
Problem with customer service
Money transfer, virtual currency, or money service: Check cashing service
Company Response: Closed with explanation
2017-05-11
Arlington, VA
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: On XXXX XXXX 2017 I applied for a standard unsecured personal line of credit. The amount they indicated was {$50000.00} which is n't an especially large amount by any means. There were multiple problems, glitches when I was attempting to submit the application. After submitting it I was given information to follow up and at a later time told that I would be given a call to follow up on my application. I never received that phone call. I subsequently also wasnt given the follow up indication of the decision regarding the loan application. When I called they indicated numerous inconsistencies according to what apparently their systems were indicating I had submitted on the loan application to begin with. I 'm potentially mathematically and otherwise thoroughly overqualified for a line of credit of {$50000.00} in addition to my credit score. They then said they couldnt determine employment despite it having been indicated when I applied and stated that I was a sub account holder for a credit card line which the last time I checked is far from a disqualifying factor. I provided them substantial additional information during that phone call. During one of my p hone calls with them it sounded as though there were possibly a cyber problem with their own systems which wouldnt be the first time regarding my banking. There have been multiple previous incidents with XXXX XXXX XXXX for instance. Additionally its likely worth noting that there is an ong oing Office of Inspector General investigation among other things regarding sev ere UCMJ, inte rnational law violations, formally admitted destruction/tampering/falsification of records by a local police chief at a minimum, all of this regarding my XXXX XXXX ex girlfriend who 's father is a former XXXX XXXX XXXX XXXX XXXX . Both of them have bragged and taunted that they killed my dog, members of my family, attempting to defame me, greyball me within finance, among numerous other things. They have stated that they have made it their pet project using a lot if not all of their political and other resources to cause egregiously illegal problems with my life. They are largely idiots and incompetent practically speaking from their demo nstrated work, primarily relying on others to do the actual work for them. Upon calling again later to check the status of the application after submitting the new information so that it was a more close to correct application, the woman ostensibly from td bank stated that my application was denied. She however said that NONE of the information I had submitted was in the application. She also muttered something under her breath which was potentially defamatory or would imply illegal discriminatory practices regardless making it indefensible. It seems that at a minimum something is severely incorrect, theres negligence if not something criminal occurring here. Additionally I received credible threat intelligence regarding a deep interest that would attempt to interfere with transactions if I ope ned a td XXXX investment account. Please investigate and pursue this to the fullest extent of the law. Please ensure that I 'm allowed true and fair lending, financial services, and when somebody is potentially a modestly overwhelming value proposition that the markets function as the law of financial incentives requires.
Company Response: Closed with explanation
2017-05-11
TX
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: I purchased a carseat last XXXX at a Target store using my Redcard ( Target credit card ) for $ XXXX did not get any statement in my mail box for a month then request to get it through email because i did not want to miss my payment date since i was going to travel abroad.Finally i called to make payment on XXXX / XXXX / 2017 and told the customer representative that i could not pay online.Payment of the balance XXXX XXXX was processed with no late fees since the due date was XXXX 2017.I was shocked to get an email in XXXX after 2 months stating that i have a balance of XXXX XXXX I thought it was a victim of fraud then i called the customer service and find out it was late fees.The lady i talked to did not listen to me.She told me to pay.I insisted it is an error that i was not notified to pay late fees which i would have payed and asked to close the account. I got another email a couple weeks ago with a balance of XXXX XXXX I decided to call again last monday to ask what is going on and the representative transferred me to her supervisor.I explained the situation that i called in XXXX when i got the email and he told me it is too late to wave the fees.Today balance is XXXX XXXX .You c an check my credit history, i have discipline in my expenses and payments. Please help me with that issue. Thank you.
Company Response: Closed with explanation
2017-05-10
Copiague, NY
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
Company Response: Closed with monetary relief
2017-05-10
Portsmouth, VA
Closing your account
Credit card or prepaid card: Store credit card
Can't close your account
Company Response: Closed with explanation
2017-05-10
Holmdel, NJ
Managing an account
Checking or savings account: Other banking product or service
Banking errors
Company Response: Closed with non-monetary relief
2017-05-10
Tampa, FL
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with monetary relief
2017-05-10
Stamford, CT
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
2017-05-09
Bow, NH
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Can't stop withdrawals from your account
Complaint: I have had a checking account with XXXX Bank since XXXX , and refinanced my outstanding credit card debt into a personal loan with XXXX Bank in XXXX . I have diligently made my monthly payment via automatic payments since disbursement, with no missed or late payments, and have paid extra when I 've had the ability to. My father very recently passed and a result my financial situation has drastically changed in order to assist my family with both the expenses of his services as well as the household expenses while we grieve. I have tried to adjust the automatic payment from my checking account to my loan account ( $ XXXX on the 6th of each month ) multiple times, and am consistently given the run around. My branch tells me I need to call corporate, and corporate tells me I need to go to the branch, and each of them tell me it would require me to fill out paperwork and submit a request to adjus t my due date. That being said, I have continued to make the payments on time without complaint. This month, however, having this pull would have caused an extreme financial hardship. I called the branch and explained I did not authorize the ACH to pull this month as it would leave my account overdrawn with no funds available for XXXX weeks, and I was told the request would be submitted and it would be all set. However, the ACH was still pulled and now my account is in the red. I called XXXX Bank 's customer service today and was told in no uncertain terms that there was absolutely no way for me to have them reverse the transaction despite me revoking my authorization. According to TD, I would need to request adjustment/cancellation paperwork XXXX business days in advance, complete it, and then mail it back for review. Even if I were to request it now, my XXXX payment would still most likely pull as they are making it impossible to make ANY adjustments. I desperately need the XXXX XXXX ACH reversed as soon as possible and some sort of realistic method of adjusting my ACH when necessary.
Company Response: Closed with monetary relief
2017-05-09
N Haven, CT
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2017-05-09
NY
Advertising and marketing, including promotional offers
Credit card or prepaid card: Store credit card
Didn't receive advertised or promotional terms
Complaint: Applied online fo r Target credit card on their website on XXXX and received the card in mail on XXXX . Went to their website on XXXX and saw they were running a promotion that offered people who applied for credit card online that they would also get a 10 % discount off their next purchase. I called Target to request this offer since I did n't get card until after promotion started and should be eligible for this discount. I talked with a representative and a supervisor and both said that the offer started on XXXX and that since I applied before offer I would not be eligible for the additional discount. This form of promotional advertising is deceptive and treats consumers unfairly by limiting offers to particular time periods.
Company Response: Closed with explanation
2017-05-09
Greece, NY
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Company Response: Closed with explanation
2017-05-09
Brick, NJ
Managing an account
Checking or savings account: Checking account
Fee problem
Company Response: Closed with monetary relief
2017-05-09
Stevenson, MD
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: We was miss advise on how to received a line of credit for our company!!! The underwriter advise us to make a partner 90 % owner of the company so that he would added as the primary on the loan because his credit was stronger. After doing so he sent us back to the same branch where the Asst. V P of that branch had the second contract already completed for and ask my partner to just sign it ... .... After 2 days the underwriter call and said he was not going to be able to approval the loan, but he was not going to denied the loan ... ... ... .. So we are now losing several major projects and money!!!!!
Company Response: Closed with explanation
2017-05-08
South Florida, FL
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Complaint: I had a personal loan from TD bank, that I had set up auto payments from my bank account. For various reasons last XX/XX/XXXX I had asked to have the bank account # that the payment was being auto debited from changed to another account, as I planned on closing the current account.
On XXXX XXXX , 2016 I received confirmation that the automatic payments was set up to pull out of the new account#, however even though I received the confirmation that the payments were set up to pull from the new account, the payments were still trying to debit from the old account# thus causing me to be delinquent. I was advised from the banker that was helping me to go in a branch and make the payment or to mail it because she couldn't guarantee that the payments would pull correctly so just to make sure I should make the payments in person. This was causing me to either make double payments, because I never knew when and what their system would actually do.
After numerous calls, email, letters, repeatedly to attempt to fix the problem, I was assured everything was fixed, however I continued to receive a past due notices EVERY MONTH TILL TODAY, which concerned me as I knew I had made all necessary payments. I made many calls, and expressed my concern and worry that my credit would be impacted, not to mention I was concerned there were no fees charged, but I was told, NO LATE FEES< AND NO LATED PAYMENT HISTORY....!
After several months of the delinquent notices, again I had concern something just wasn't right, so I called again, and this time, the person I spoke to finally admitted to me that I had in fact been charged late fees and it was showing as being delinquent. How upset do you thing I was???
After speaking with 5-6 more TD employees, the final word was that somewhere in all the chaos they were showing one payments was not made in XX/XX/XXXX , months late r, now, event though I know all the payments were made. I attempted to get all my old records, however, the bank I had my account with was sold, and the new bank was requiring a $ XXXX research fee to give me my record.
No need to tell you how angry I was, and at this point I had enough and all I was going to take from this terrible nightmare, and not to mention all the time I have spent with all this back and forth, I was done at this point. I continued to call and demanded that all my funds be refunded, and if my credit was impacted, I would be hiring an attorney and I had every intention in pursuing this, but at the end of the day I just want all my fees refunded and I would pay off the loan and be done with all of it,, however, they are now not returning $ XXXX in fees just because they feel they can. I work in the XXXX XXXX , and never , ever, have I seen a customer been treated they way I have from TD Bank.
Company Response: Closed with monetary relief
2017-05-08
Beverly Hills, CA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2017-05-08
South Florida, FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Complaint: I opened a business checking and ( supposedly ) bu siness credit card for my new business in XXXX XXXX 2017. I spoke with banker XXXX XXXX from the TD B ank branch in XXXX , FL. I requested that a business credit card be opened to begin building credit for my business since we would need it for inventory costs in the first opening months. I questioned this banker and his branch manager multiple times whether the credit card I was opening would be a business credit card I would guarantee on behalf of my business, or a personal credit card with just my business name on it. Difference being one would report to my personal credit report and the other would help my businesses credit get established. After requesting my social security number and telling me it would be to just create a signing of the personal guarantee the business was supposedly granted credit. I called in multiple times questionin g two things, one that the checks I requested XX/XX/XXXX had taken so long to arrive, a nd two th at the business credit card had not reported to the business credit report on XXXX or XXXX XXXX XXXX Initially I was given excuses and reassurances regarding the checks and the credit card told to give it some time. By early XX/XX/XXXX when I called in again regarding the checks I was told that in fact the checks had been sent back to TD Bank d ue to a wrong address ( but I was never contacted about this although I paid {$30.00} for the checks ). The address was corrected and the checks resent, but the woman also reassured me the credit card was connected to the business and it would report to the business credit profile eventually. Today XX/XX/XXXX a fter a regular review of my credit report I notice a TD Bank Credit Card for XXXX on my credit report. I immediately knew this was wrong as personal guarantees are only meant to hold me liable for default and not consistently report card activity to the credit bureaus. Furthermore, the credit card had still not posted on the businesses credit profile. I called in and spoke to a general customer service representative who informed me checks had indeed been resent and I requested a complimentary checkbook that would be expedited for the checks issue. He obliged. Once I also informed him of my credit card issues he responded he could not discuss those issues and forwarded me to the credit department. I spoke to one of t he representatives who came to the conclusion with me that in fact a personal " business '' credit card had been opened and not a business credit card. That in fact this card had no associations to my actual business, it did not contain the FEIN of the business to be capable of reporting the credit activity to the business credit report, and I was entirely both liable and the card would only report to my personal credit report. So in fac t TD Ba nk misrepresented their account and continues to do so by calling it a " personal small business credit card '' when in fact it is exactly the same as their personal credit card and does nothing to benefit the business credit. The representative herself admitt ed TD B ank representatives know when a card is a personal or business card based on the first four n umbers of the card - so every representative which had seen the card knew it was a personal card when I questioned them for the business purposes. This misrepresentation now puts my personal credit as a consumer in jeopardy as cancelling the card would have negative effects for TD Ba nk 's initial inquiry which was only granted under premises of lies and obfuscations of facts. The credit line itself being closed would also cause negative effects now that it has opened.
Company Response: Closed with monetary relief
2017-05-08
Santa Ana, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-05-07
Salton City, CA
Incorrect information on your report
Credit card or prepaid card: Store credit card
Information is missing that should be on the report
Complaint: I have an account TD BANK USA/TARGET CREDIT # XXXX reporting to XXXX XXXX and XXXX.ALL 3 report vastly different from each other and yet each credit bureau verifies it as accurate.I 'm attaching all 3 different reports from all 3 bureaus.The payment histories are different and conflict with each other.The account was open in XXXX and CLOSED BY GRANTOR onXX/XX/XXXX, according to XXXX. XXXX says max delinq.of 120 days on XXXX ; XXXX says 120 days delinq.on XX/XX/XXXX.XXXX shows 90 days late XXXX, XXXX shows 90 days XX/XX/XXXX.XXXX shows c/o XXXX XXXX XXXX shows 120 days late XX/XX/XXXX.XXXX shows closed on XXXX, XXXX says closed XX/XX/XXXX.the DOFD is XXXX ON XXXX and XXXX on the other XXXX.I 'M ENTITLED BY THE FCRA TO COMPLETE AND ACCURATE CREDIT REPORTING WHICH I DO NOT HAVE NOW OR IN THE LAST 7 YRS NO MATTER HOW MANY TIMES I DISPUTE WITH THE CREDIT BUREAUS ... always comes back verified and still all 3 bureaus do not agree with each other.
Company Response: Closed with explanation
2017-05-06
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
Company Response: Closed with monetary relief
2017-05-06
Naples, FL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2017-05-06
Manhattan, NY
Managing an account
Checking or savings account: Other banking product or service
Problem accessing account
Complaint: Upon open ing my account I went to the TD Bank Online to access my account and the please allow me to say this again I login in the Online Banking and the website or TD Bank Online do not give access to my access I login to the account and then it ask me security question and change my question Please investigate this banking services ensure that it was setup according to United States Federal Reserve and United States Federal Regulation and the Bank and the Online does have access to customer account and the website and services has not been hacked into and all misconduct and mismanagement found all individuals involved be convicted according to United States Federal Regulations I contact customer regarding access account and notice the Online Banking does show my retirement account on the staff stated that IRA and Retirement company was close for the weekend and that they did not have a number for them to give me Please investigate if the customer service and the supervisor supposed know how contact the IRA and Retirement Account is this United States Federal Reserve and United States Federal Regulations
Company Response: Closed with explanation