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 220
2016-12-09
Queens, NY
Account opening, closing, or management
Bank account or service: Checking account
Complaint: Despite my efforts to keep a substantial amount of available funds in my checking account on a daily basis, TD Bank continues to implement different techniques from within their policies and procedures to justify the overdraft fees being charged to my account. Over the past 2 days, my checking account has been debited {$70.00} in overdraft charges, despite having the available funds to cover all of my purchases and opting out of their Debit Card Advance program. My account balance has never went under {$0.00} since its inception, however TD Banks policies on overdraft charges does not require an account balance to go under {$0.00}. They have designed overdraft policies that allow for them to charge {$35.00} on checking accounts with sufficient balances. Attached is a record of my transaction history which proves that my account balance has always been sufficient when the fees were charged. The overdraft policy implemented by TD Bank has been designed to use the policy against the customer for the banks financial gain as opposed to the policy creating ways to benefit the customer during times of financial hardship
Company Response: Closed with monetary relief
2016-12-08
Continental, AZ
Billing disputes
Credit card:
Company Response: Closed with explanation
2016-12-08
Laredo, TX
Taking/threatening an illegal action
Debt collection: Credit card
Seized/Attempted to seize property
Company Response: Closed with explanation
2016-12-08
Sandy Hook, CT
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2016-12-08
Washington, DC
Deposits and withdrawals
Bank account or service: Checking account
Company Response: Closed with explanation
2016-12-08
East Rockaway, NY
Problems caused by my funds being low
Bank account or service: Checking account
Complaint: TD BANK AND IM SURE OTHER BANKS ARE BEING VERY FRAUDULENT IN CHARGING OVERDRAFT FEES by manipulating posting transactions time and date online. I monitored my account, posted a transaction earlier in the day, it posted the money was taken out of my account because there was sufficient funds in my account at the time. Later at night or the next day, they post their monthly bank fees and then return my previously paid bill as returned charge and charges me overdraft fee, AND THIS IS IRRESPECTIVE OF THE FACT THAT MY DIRECT DEPOSIT PAYCHECK POSTS THESAME DAY AS THE DAY I WAS CHARGED THEIR MONTHLY BANK FEES ... .THIS IS SO FRAUDULENT ... .NEWS AGENCIES AND THE PUBLIC should be notified if cfpb wont protect American citizens and the little guys from the greed and crimminality ofctbe big guys. Pls fix this and REFUND US THE ILLEGALLY FRAUDULENTLY MANIPULATEDLY-CHARGED OVERDRAFT FEES.
Company Response: Closed with monetary relief
2016-12-08
Portland, OR
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: I purchased a XXXX from XXXX in XXXX, XXXX in XX/XX/XXXX. My mother consigned with me, and a loan was taken out via TD Auto Finance by the dealership to fund the remainder of the car 's costs not covered by our down payment. Later, on XX/XX/XXXX, I moved from XXXX, XXXX to XXXX, XXXX, and began the process of trying to register my vehicle within the new state.
During this time, I was given instructions multiple times by multiple customer service representatives of TD Auto finance on the process of transferring my title to the XXXX DMV offices, to begin the process of re-registering my car within the new state. Much of this information was contradictory ; I was told I had to remove my mother 's name from the lease, but that I could not mail the title to my new address in XXXX, because her name did not fit the mailing address. I was told that my title had been mailed out on two separate occasions, and then that it was held up at the XXXX DMV office in XXXX, due to the errors committed by ( I believe ) TD Auto in removing the extra name from the title. I finally was told by the DMV of XXXX to fax a form of title request to TD Auto, with information on where to mail the title. Upon doing so, I contacted TD Auto again, asked to confirm the fax was received, was placed on hold, and the call then dropped. This had happened multiple times, both to my mother and myself, on separate occasions when inquiring about information regarding my title.
As of XX/XX/XXXX, I finally paid off the remainder of my loan, in the hopes that the title would be mailed to me directly after. More than a month later, after multiple calls to no less than four different TD Auto representatives, when I was finally told that I was supposed to have received the Lien Release Form. This form arrived 4 days later, two weeks before XXXX, and I was told by TD Auto representatives to bring that form to the XXXX DMV, who would then request my title be mailed to them directly. The DMV informed me, in turn, that I was supposed to have received the title, alongside the Lien Release Form, directly at my place of residence. I then contacted TD Auto again, knowing that my loan had been settled two months prior, and they finally told me that my title had been mailed out XX/XX/XXXX ; they did not send it out with any form of tracking, registered mail, or certified mail. Merely first class, with no way to know where it was. When I inquired how long it would be until I received my title by mail, I was told 10 business days. It has been well past that point, and my title never arrived. I can not locate it via my local USPS branch, as there was no tracking or identifying information attached to my title, and thus there is no way to know where it ever went.
It has been nearly 17 months since I began attempting to obtain my title from TD Auto, in an effort to register my car in my new state of residence. I can not legally drive in the meantime, as my registration and thus insurance have both expired, and I can not re-register my car without my title. The Lien on my car has been released since XX/XX/XXXX, with nothing but the Lien Release Form to show for it. TD Auto Finance has neglected to do anything further in assisting me, other than passing me on to their Title Department, who has offered no solution outside of paying in full for a new title again.
Company Response: Closed with monetary relief
2016-12-07
Beechhurst, NY
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-12-07
Account opening, closing, or management
Bank account or service: Checking account
Company Response: Closed with monetary relief
2016-12-07
Brooklyn, NY
Using a debit or ATM card
Bank account or service: Checking account
Company Response: Closed with explanation
2016-12-07
Brooklyn, NY
Deposits and withdrawals
Bank account or service: Checking account
Complaint: I went to the TD Bank at XXXX XXXX XXXX, XXXX, NY XXXX on Sunday XXXX XXXX between XXXX and Noon to make a deposit to the ATM. I deposited somewhere around $ XXXX {$320.00} in the machine, at which point the machine withheld my card and failed to credit my checking account with the amount I deposited. The machine then displayed a message asking me to speak to the branch manager. I went inside and filed a claim, but they were very dismissive and declined to give me a temporary credit. I was told to wait XXXX10 business days for the issue to be resolved and given no other recourse. This is two days worth of pay for me that has now just disappeared into the ether and I 'm being asked to remain patient while this institution decides whether or not to return MY money.
Company Response: Closed with explanation
2016-12-07
Queens, NY
Deposits and withdrawals
Bank account or service: Checking account
Company Response: Closed with explanation
2016-12-07
East Willington, CT
Closing/Cancelling account
Credit card:
Company Response: Closed with monetary relief
2016-12-06
Three Bridges, NJ
Deposits and withdrawals
Bank account or service: Checking account
Company Response: Closed with monetary relief
2016-12-06
Anastasia Is, FL
Taking/threatening an illegal action
Debt collection: Credit card
Sued w/o proper notification of suit
Company Response: Closed with explanation
2016-12-06
San Jose, CA
Application processing delay
Credit card:
Company Response: Closed with explanation
2016-12-06
Ridley Park, PA
Using a debit or ATM card
Bank account or service: Savings account
Complaint: I used the drive thru ATM at my bank. This is the TD Bank located in XXXX, pa. I went through the proper steps to withdraw {$700.00} from my savings account, but the machine did not dispense the money I had requested. I waited for a little while, but nothing happened. Because my bank was closed at the time, I called TD corporate to let them know what happened. I was told there was nothing they could do except file a complaint for me and hope my local branch would be able to work it out. Once my local branch opened, I called and spoke to a woman named XXXX. I told her my story and she questioned if I was even at their bank and used their drive thru ATM because it was out of service. I assured her I used that locations ATM and I was unable to retrieve money from it, but my savings account shows the {$700.00} was taken out. She said there was nothin g she could do except to also file a complaint. This incident happened on XX/XX/XXXX at XXXX. It is now XX/XX/XXXX and my money has not been out back in my account. Why should I have to go without my money because the banks atm was broken ( and not properly marked or turned off due to it being out of order ).
XXXX at the bank said if the problem did n't fix itself by XX/XX/XXXX than she will push through my complaint and I should get my money back in XXXX to XXXX business days after that.
Company Response: Closed with monetary relief
2016-12-05
Breeze Hill, SC
Making/receiving payments, sending money
Bank account or service: Cashing a check without an account
Complaint: I have a check wrote to me, verified, in the amount of XXXX even though the funds were available and no question it was wrote to me, the bank refused to either cash, or exchange for a cashiers check, not cash because the acting XXXX claimed they needed a week 's notice to have the funds available, would not exchange for a cashiers check due the fact I did n't have a account.
The bank is TD BANK XXXX XXXX the only XXXX there.
Company Response: Closed with explanation
2016-12-05
Nyc, NY
Account opening, closing, or management
Bank account or service: Checking account
Complaint: I have had a business bank account with my partner at TD Bank since XXXX. There have been many issues since then but the latest is most concerning. I entered the bank wishing to do a transaction and was told that I was not listed on the account. I had used the ATM just a couple of days before, used the debit card to make a few purchases and the month before done a transaction in the branch. However on XXXX XXXX XXXX I was not listed. The bank employees could not tell my why I was not listed on the account and my partner stated that he had done nothing to remove me from the account. When I went to a branch to try and resolve the issue they said that they could not fix the problem there and that they had to call on the phone. After over an hour of discussion they told me that my partner had filled out a change of address form and that was the reason I was removed from the account. They stated that the change of address form had the effect of removing me from the account. My partner only wanted to change our business address and was clear about this when he filled out the form. He was not told that this would affect all partners on the account and there was no mention of removing a partner 's access to the account by simply changing the address. Furthermore, from what they told me there is no way for one partner to change the address on an account without removing a partner 's access unless that partner is present and signs the address change. Changing an address should not have this effect and this is a very stupid thing that caused a lot of unnecessary trouble. I think that it is wrong that this happened, but the big issue I have is that they are very weak in resolving the problem. It took almost an hour for them to tell me why it happened and they seem as clueless as I am about what is going on. They are mishandling my account and are not providing the service that I was told I could expect when I opened the account. There seems to be no accountability for this problem and I feel they need to be reported for negligence and inappropriate conduct with accounts. They also misrepresented what the effect of the change of address form would be when my partner signed it. He was under the impression that it would simply update our mailing address. There was no mention of removing me as a partner.
Company Response: Closed with monetary relief
2016-12-04
Fithian, IL
Late fee
Credit card:
Complaint: A Target rep changed my statement due date resulting in a late fee of {$25.00} plus interest. Target refuses to credit me for these overages and a rep tried to discourage me from reporting this matter.
Company Response: Closed with explanation
2016-12-04
MA
Billing disputes
Credit card:
Complaint: I purchased plane tickets from a third party ( XXXX XXXX XXXX ) on XXXX XXXX, 2016 for {$560.00}. After checking my credit card statement online on XXXX XXXX, I noticed they charged me an extra {$220.00}, totaling {$780.00}. I tried for almost 2 weeks to contact the merchant about this charge, but no one ever responded to my questions. I decided to deal directly with my credit card company instead ( TD Bank ). The following is a timeline of my interactions with TD : XXXX placed dispute with TD ; directed to fax in my receipt from XXXX XXXX XXXX XXXX faxed receipt to XXXX XXXX received letter from TD stating that my case was closed due to " not receiving a response '' to a letter that was sent to me in regards to my dispute ; I never received this original letter they were referencing. I called TD to inquire about the fax I sent as well as the letter I received in the mail regarding the closed dispute. They said they never received the fax and that I did not respond to a letter sent to me about opening the dispute. I requested a copy of this original letter, but they said they would look into it. At this time, the employee gave me a new fax number and stated that my original fax number was incorrect.
XXXX faxed airline receipt to XXXX XXXX called TD for update on receiving fax ; employee said they did not receive my fax and that the new fax number given on XXXX was incorrect and that my original fax number was correct.
XXXX faxed original receipt again to XXXX XXXX called TD for update on receiving fax ; employee said they still had n't received fax. I asked for a supervisor, but was told that she was unavailable. Was told I would receive a call back.
XXXX received call back from supervisor, XXXX. She gave me her direct fax number to send my receipt to.
XXXX fax original receipt to XXXX ( XXXX direct fax ). Called XXXX in the afternoon to confirm that fax was received. She stated she had it and that it would take a few weeks for a decision to be made.
XXXX called TD for status update about my claim ; was told that dispute was denied due to " VISA regulations that prevent charge-backs for travel and entertainment expenses. '' I was never contacted about this decision. If I had not called for an update, I would have never know about the decision to deny my dispute.
XXXX called TD to inquire about appealing the dispute decision ; was told there was nothing left to do because it is a VISA regulation. Was instructed to write a statement and fax to TD but that nothing would probably be done regardless.
XXXX called TD again to ask for XXXX to find out more information about my dispute decision. Was told that she is unavailable and the employee told me there was nothing left for TD to do on their end because of the VISA regulation. She also stated that I should not fax in a statement because it would not re-open the case.
I am trying to get a credit for {$220.00} that was over-charged to my account. I have been dealing with this issue for almost 3 months now, and the way I was treated by TD Bank was extremely unprofessional. Their lack of communication was very frustrating, and the way they handled and then closed my dispute without any documentation or explanation was very frustrating and not customer-focused. Please advise if you need any more information, including my original receipt from XXXX XXXX XXXX.
Company Response: Closed with explanation
2016-12-02
Niantic, CT
Deposits and withdrawals
Bank account or service: Checking account
Company Response: Closed with explanation
2016-12-02
Brooklyn, NY
Using a debit or ATM card
Bank account or service: Checking account
Company Response: Closed with explanation
2016-12-02
FL
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Complaint: In XXXX of this year, when applying for a new home, I found out that TD Bank modified a current loan that I have with them, without my knowledge or consent.
This loan is a mortgage that I entered into with my now ex wife. I am the borrower and my ex wife is the co- borrower.
My ex wife was awarded our marital home during our divorce in XXXX however, a refi was never done and I remain on the loan. Under our divorce decree, she is to sell the home once our youngest child reaches 18 years of age. After the sell, I am suppose to be awarded {$22000.00} for my share of the homes equity.
In XXXX of XXXX my ex wife applied for a loan modification with TD Bank. TD Bank ran my credit and approved this loan modification without ever contacting me or receiving my consent. When I found out about the modification I contacted TD Bank but was only passed along from person to person without any answers. After several attempts to reach someone in management I finally spoke with a young lady who tried to resolve the issue by asking me to sign a quick claim deed so that I could be removed from the loan but she explained that if I signed the quick claim deed that I would no longer be able to receive the settlement amount of XXXX that is stated in my divorce decree. I did not sign the quick claim deed. They have committed fraud. I should not lose out on what has been awarded to me because of their malpractice. I want to be removed from this loan immediately so that i can move forward with my life.
Company Response: Closed with explanation
2016-12-02
Oaklevel, VA
APR or interest rate
Credit card:
Company Response: Closed with explanation