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 24
2019-08-21
Tucson, AZ
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: I have a credit card with TD card services called the cash card. I've had it for some time. Recently, I received a notice in the mail saying my payment was past due. My card has previously been on Autopay for the entire life of the account, with no changes made by me. I called TD card services, and was told that in mid XX/XX/XXXX, they revamped their website, and that has caused my Autopay information to be lost, and that I am now late on my payment and was charged a late fee plus interest, in addition to dinging my credit. This is unacceptable. There was no notice (mail or email) from the company regarding this change in the website and the need to re-enter auto pay information. When I called them, they said they would give me a "one - time courtesy fee waiver" and credit me the fee plus interest. I need no resolution of this issue as I am OK with being credited the fee plus interest and was able to pay my bill over the phone. I am just extremely perturbed that this went on at all and that my credit has taken a hit because of the incompetence of and lack of communication from TDbank. I am not sure how many people were affected by this website change and how many people were wrongly charged late fees plus interest but I imagine this affected many customers. This type of behavior from the bank should not be tolerated.
Company Response: Closed with explanation
2019-08-20
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Company Response: Closed with non-monetary relief
2019-08-20
Queens, NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I had a nordstrom visa creditcard (issued by tdbank ) was closed by the grantor in XX/XX/XXXX, and there were pending charges on nordstrom.com were canceled. As a result, now I have overpay the balance, since all orders were canceled. i want the bank refund the money how much i overpaid . I have called and talked to the customer service a few time and they said would call me back and never called.
Company Response: Closed with non-monetary relief
2019-08-20
Taylor, MI
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with non-monetary relief
2019-08-20
Baton Rouge, LA
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
Complaint: On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX did hard inquiries against my wishes. One of these hard inquiries went to TD Auto Finance. XXXX XXXX has admitted their mistake & provided me with a letter to have the hard inquiries removed.
Company Response: Closed with non-monetary relief
2019-08-20
Jupiter, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXXXXXXXXXX XXXXI am writing in regards to the above-referenced debt NORDSTM/TD ACC#XXXX to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Respond As a victim of identity theft (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. §1692(c). Thank you for your attention to this matter• You cannot add interest or fees except those allowed by the original contract or state law. • Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business BureauI have disputed this debt. Therefore, until it is validated, your informationconcerning this debt is assumed to be inaccurate. Accordingly, if you havealready reported this debt to any credit-reporting agency (CRA) or Credit Bureau(CB), then you must immediately inform them of my dispute with this debt.Reporting information that you know to be inaccurate or failing to reportinformation correctly violates the Fair Credit Reporting Act § 1681s-2. Should youpursue a judgment without validating this debt, I will inform the judge and requestthat the case be dismissed based on your failure to comply with the FDCPA.XXXX, XXXX XXXXSOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXXXX/XX/XXXX, FL XX/XX/XXXX
Company Response: Closed with non-monetary relief
2019-08-20
Manhattan, NY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-08-20
Peabody, MA
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
2019-08-20
Sarasota, FL
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Company Response: Closed with non-monetary relief
2019-08-20
NJ
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: I am being incorrectly charged on my bills. I have called several times and also entered an official complaint, but the letter I received from XXXX XXXX did not offer a valid response as to why I am not getting the correct interest rate. I have enclosed a copy of XXXX letter and also the contract with the sections highlighted as to why I should be getting Prime minus 0.51% (i.e. Prime minus 0.26% stated in section 6 of the agreement, and minus an additional 0.25% Relationship Discount stated in section 7 of the agreement).The relationship discount is valid under the checking account I opened. This has been a problem since the loan began, and as per my rights under the agreement I deducted the (disputed portion 0.25% charge) while the dispute process was ongoing.• Letter from Loan Operations Manager says that I am supposed to be receiving the relationship discount yet the math is incorrect. (See copy of letter from XXXX XXXX) (Also see highlighted sections 6 & 7 of the Agreement & Disclosure Statement)• Using the .26% figure in section 6 of the contract the math is correct, but I am supposed to be getting both discounts subtracted from the prime rate.• Both sections 6 & 7 of the contract are clearly checked off meaning my rate should be prime minus .51%. So far I have not received a clear explanation as to why I am not receiving both discounts. Additional Issue: Section 21 of the Agreement says that I do not have to pay the disputed amount while a formal dispute is in process. I have highlighted this section in the agreement. Nonetheless TD Bank has marked my credit report as delinquent and it has affected my credit rating.
Company Response: Closed with explanation
2019-08-19
Bethel Park, PA
Getting a credit card
Credit card or prepaid card: Store credit card
Application denied
Company Response: Closed with explanation
2019-08-19
Barrington, NJ
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with non-monetary relief
2019-08-19
Pasadena, CA
Incorrect information on your report
Credit card or prepaid card: Store credit card
Account status incorrect
Company Response: Closed with explanation
2019-08-19
Alachua, FL
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Complaint: I signed up for the TD Beyond Checking account with TD Bank. The account stipulated that as long as I receive at least $XXXX in direct deposits within the first 60 days of account opening, I will receive a $XXXX promotional bonus. I opened the account on XX/XX/2019. Within the first month, on XX/XX/2019, $XXXX was deposited into my account from the University of XXXX, which deposits through direct deposits electronically. On XX/XX/2019, $XXXX were deposited by the University of XXXX through Direct Deposit (says EDI payments on statement). I have qualified for the promotion based on the conditions alone, and have kept my account in good standing during the entire qualifying period. The funds were supposed to have been deposited a maximum 95 days after the qualifying period. However, it has been more than 150 days. TD bank also denies those two payments by the University of XXXX were direct deposits, citing EDI payments as different from direct deposits.
Company Response: Closed with non-monetary relief
2019-08-19
Gentilly, LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-08-19
Cherry Hill, NJ
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-08-19
Woodbridge, 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
Company Response: Closed with non-monetary relief
2019-08-18
Billerica, MA
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: I try to open an account n it was denied
Company Response: Closed with explanation
2019-08-18
Colo Spgs, CO
Fraud or scam
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: In the process of purchasing property and preparing for the closing we received an email instructing us to wire our portion of funds so the closing will not be delayed. We discovered that the person who is named on the wire nor the bank is not associated with the Title Company we have been dealing with. We wired over $22,000.
Company Response: Closed with explanation
2019-08-17
Nyc, NY
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I opened a checking account with TD in XXXX. I had a problem with them about 5 years ago when they signed me up for an overdraft program that left me with almost $XXXX in fees. I called the bank to let them know I did not sign up for the program, but it took about 5 calls before they finally fixed this situation and reimbursed me.Since, my account has remained fairly steady. However, I have been in what's called a simple checking account for that time - meaning each month I pay a $XXXX fee regardless of my account funds.I called yesterday to find out if there were other options with the bank, and they immediately told me I should be in a different account where I incur no fees, because I have a record of maintaining over $100 in the account - I've probably maintained this level for 1 to 2 years. No one from TD ever previously contacted me about this, or told me in person even though I've been to the bank numerous times in those years. The bank never altered me that I might be able to save money by changing my account. I estimate I incurred at least $250 in fees because of this over the years. A few times representatives in the bank actually offered me other products: savings accounts and CDs, but never mentioned this checking option.I feel like TD Bank should have notified me that I might qualify for a better product - one where they weren't skimming money off the top. I owe student loans, I have bills - $XXXX/month is actually something to me, and I am XXXX that this company run by XXXX XXXX gets to skim off my bank account to line their pockets. I feel they acted in incredibly bad faith, knowing I would not have the time, or the knowledge, to check on other products, and they could rely on the easy $XXXX. I wonder how many people in their system this is happening to?? It makes me enraged. Once again, bankers are allowed to hurt the regular person in our country just because they can. When I called, the bank told me all about how committed they are to me and my community. Honestly they could give a XXXX about me or my community. A banker who cared would call me up and say, hey I noticed you might want to change accounts. Every time I go in they can try to ply me with a savings account or some other product, but they never mentioned the checking account without a fee. How can I trust our banks and our financial system when it seems to be run by people who want to hurt me as much as they can?How can I trust this country when these bankers have the ears of our congressional representatives.It's insanity!These guys are hurting almost everyone, just to have more money than XXXX when they already have more money than XXXX. It is obscene.
Company Response: Closed with explanation
2019-08-17
Golden Isles, FL
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-08-17
Hicksville, NY
Opening an account
Checking or savings account: Savings account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2019-08-16
FL
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I opened a checking and money market account with TD bank on XX/XX/2019. I wrote them a $XXXX check from my old checking account (XXXX XXXX) the same day to start up my checking account. $XXXX went to my money market fund and $XXXX to my checking account. This is the ONLY MONEY THAT WAS POSTED TO MY ACCOUNT AS OF XX/XX/2019. I had another $XXXX to be that was transfer to my checking account to TD bank. I called and asked them WHY they are NOT giving credit to my account. I also received a letter from TD bank TODAY (date on letter is XX/XX/2019 saying it would be 6 days for me to receive my money. It has been 8 days as of today. When I talked to them, they gave me a poor excuse for an answer. They claimed that my old bank could try and collect my money back but I explained to them that I closed down my accounts with XXXX XXXX 4 DAYS AGO. I told TD bank, YOU HAVE MY MONEY AND WILL NOT GIVE MY MONEY TO ME. They had no response to that . I told them I was going to file a report with CFPB and that you have helped my in the past.
Company Response: Closed with explanation
2019-08-16
CT
Other transaction problem
Money transfer, virtual currency, or money service: International money transfer
Complaint: On XXXX XXXX, XXXX XXXX sent a transfer from TD XXXX bank to XXXX Bank in XXXX XXXX .... using the same data on another transfer which was sent XX/XX/2019 and the second transfer was received three days later but the first one I sent for {$2200.00} plus {$40.00} transfer fee was lost and not received by my contact but the second one went through. I have included paperwork on the first transfer and the second as well as documents showing funds taken from my account and TD XXXX investigation team data sheet. I have a complaint number for XXXX Bank for your investigation ... XXXX but was told to put an investigation on TD XXXX not helping the customer.
Company Response: Closed with explanation
2019-08-16
Raymond, NH
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: TD Bank has effectively violated the Error Resolution Procedure set forth by the EFTA ( 12 CFR 1005.11 ( C ) ( 2 ) ) On XX/XX/2019 I entered my local TD branch to notify them of several transactions that seemed suspicious. I was ordering supplies from what I thought was a legitimate supplier, and their delivery date was 3 days from when the order was placed. It has been over 3 months, I have no received anything. I told the customer service representative that I did not recognize the billing descriptors, and that it could be possible fraud or phishing, she recommended the dispute be entered as " services or product not received '' So on XX/XX/XXXX, I was mailed a letter from TD Bank stating that I, the " consumer '' needed to provide more information as to what was ordered and the expected delivery date, and that provisional credit has been denied for the amount of {$3700.00}. The reason? " Claim amount is too high to provide provisional credit, and that I have to wait 60 days until TD Bank receives communication from the merchant in question as to the validity of the transactions, before any credit will be issued.
Now, I am a self-employed XXXX XXXX XXXX for several processors, and I know EXACTLY what happens when a customer fills out a Regulation E form and signs it, which I did at the time of dispute on the XXXX of XXXX. TD Bank either has debited the merchant and is unwilling to provide provisional credit because they are uneducated on the process they MUST follow, or they are unable to debit the merchant because the merchant account has been closed. If they had followed the correct procedure and submitted the charge back in a timely fashion they may have received the funds.
Regardless they have violated my rights under the EFTA to a provisional credit within 10 business days, as there is no ceiling as to the amount being a restriction in providing provisional credit. I have had this account for over 2 years, and I have 5 business accounts with TD Bank, which I am seriously considering taking elsewhere if this is not rectified immediately.
It is now XX/XX/XXXX, and I have called the merchant, AND TD Bank every other day - I have received conflicting responses from multiple managers and reps, all saying different things. One rep even told me he was going to get me the person 's number who could " expedite '' my claim, this was interesting, so I held the line. He came back and gave me the number to my local branch. Are you kidding me???
Company Response: Closed with explanation