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 248
2016-06-07
Philadelphia, PA
Problems caused by my funds being low
Bank account or service: Checking account
Complaint: XXXX XXXX has mark me down for fraud or account abuse. I have n't committed any of that of my account. I took out a pay day loan and had it linked to my bank account at the time, I called the pay day loan services and asked them not to take money out of that account because it would n't be enough in there ( since I lost my job ) they refused. I passed that information on with XXXX XXXX, who informed me they would put a stop payment with the pay day services and they never did, which continued to allow the pay day service to debit the amount I owed, and the payment would come back returned leaving me with fees. I called XXXX XXXX every day for a week back in 2011, and they refused to fix the problem. I never committed fraud or account abuse with my account. XXXX XXXX refused to prevent the matter from escalating leaving me to pay fees that I could n't afford.
XXXX XXXX has also written me off with the same thing. ATM abuse. When I lived in Idaho my identity as well as my girlfriends XXXX XXXX, was stolen. We wrote a report for the person who police already had in custody at the time but they refused to look further into the matter since he 's in jail. The police were also XXXX. And I 'm not saying that for pity or playing the race card, they were truly XXXX. Against my sexual orentation and my skin color, my girlfriends as well. I know this because they said it to my face. I requested XXXX XXXX to remove the account entirely due to fraud and they want me to submit a police report. I live in XXXX now. Since the bank is in the west coast the police in XXXX ca n't do anything about it. I 'd have to go back to Idaho. I called Idaho to get the police report number but they do n't have anything on file. I want that account removed.
TD bank, a similar situation. My TD bank account was never comprised. My XXXX bank account was which was linked to my TD account. My cousins son XXXX XXXX, who is currently in custody for identity theft hi jacked my XXXX account and would make transfers from my TD bank in my XXXX and with draw the money. At the time I did n't really pay attention to any bank because I knew there was no money in either. I was n't big on online banking, but I kept getting mail saying I owe outrageous amounts of money. TD bank, I owed them prior and paid off my account so when I seen that I still owed them I did a little research and put two and two together.
Company Response: Closed with explanation
2016-06-06
Chicago, IL
APR or interest rate
Credit card:
Company Response: Closed with explanation
2016-06-06
Brooklyn, NY
Customer service / Customer relations
Credit card:
Complaint: I had a very bad experience with TD Bank. This company is not complying with the duty of good faith and fair dealing. I requested a due date change and was told that it could take 1 to 2 billing cycles to take effect. However, same request @ the same time which was done to another account did go into effect on the same billing statement and was also confirmed on a later call versus this account which was not confirmed. However, still assumed it would have same rules. After the statement ended up printing with a large balance, because I did n't make a payment due to the fact that I thought it will print later in the month. Therefore, I right away made a payment and requested that they should complete a mid cycle update to the credit bureaus with the new updated balance. I was promised it will be done as well as I would get compensation for this inconvenience. After more than a week, when nobody got back to me, despite their promise to contact me, I reached out to them. After around 40 minutes on the phone with their lazy representatives I was advised that as per the corporate office I wo n't get compensation and there will be no credit bureau update either. @ that point I requested that they should please stop the request for the due date change, which they confirmed it 's been canceled. I then reached out to the corporate office to XXXX XXXX XXXX and asked her to assist me with the mid cycle update. She acted very nasty on the entire conversation and she simply refused by saying her manager XXXX XXXX XXXX is not allowing her to help me with this, but I can contact XXXX XXXX who would be happy to assist me. When I asked her to please check if she is available, since I do n't wan na have the run around, she refused, but assured me XXXX XXXX will handle it for me. I asked her to only give the massage over and she agreed. I then called XXXX XXXX, who of course as always did n't answer. I left a detailed message and also sent an email with my request. When I did n't get any response, I reached out to XXXX XXXX in another email letting her know how important it is for me, and that 24 hours passed already since I tried her, warning her if she does n't respond I will reach out to her managers and also file a complaint with the CFPB. She then answered me with the following : " I am out of the office for an off site meeting. Should you need immediate assistance please call our customer service agents who will be happy to assist. '' This unbelievable unfair answer, was after I was already pushed off by the regular customer service, refused service by XXXX XXXX per her advice, already wrote to her the importance of the issue, and was already ignored over 24 hours. Finally I reached out to all her supervisors including XXXX XXXX XXXX who all gave me same attitude, and never returned my calls and emails. When contacted their higher folks @ the executive office and filed a XXXX complaint, XXXX XXXX and XXXX XXXX got back to me, saying, that the mid cycle update was already completed and sent to the credit bureaus, and they can not provide compensation. This in fact is a simple lie. As of today XXXX/XXXX/16 it 's not yet updated with the bureaus. Now, I was mislead again, by them changing the statement date, after promising me it wo n't be changed. I went ahead and made full payments to cover for a XXXX statement balance however now they decided to change the statement date and I will have to wait until the XXXX for the bureaus to show my XXXX balance. Every call with their customer service takes at least 15 minutes. Corporate office, ignores me when bringing any issues to their attention, and they are not interested to improve.
Company Response: Closed with explanation
2016-06-06
Jamaica, NY
Problems caused by my funds being low
Bank account or service: Checking account
Company Response: Closed with explanation
2016-06-06
Meriden, CT
Identity theft / Fraud / Embezzlement
Credit card:
Company Response: Closed with explanation
2016-06-06
NY
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: This is in reference to Case number : XXXX. I have been monitoring when my mortgage statements arrive, and find they arrive, for the following month, prior to the XXXX of the current month. According to TD 's response stating payments made can be credited at their discretion, they are evidently running a scam operation here. If the prior month has been paid, they can at any point prior to the first of the next month, they can direct it to the end of the loan. How can they send a bill you are unable to pay on its arrival for fear of disaster?
In addition, I suggest requesting the phone records at TD which will show we addressed the issue immediately! and they failed to act. We have been borrowing from our future to get by and to restore our credit over the last nearly 2 yrs. We have put countless hours into this. Ridiculous that the bank ruined us financially and shrugs it off. Nothing in our contract gives them that right.
Yes, it has taken a long time to address this ; in part because we now spend our lives trying to get by and continue work back to where we were prior to TD Bank 's error.
In addition, if they are going to continue their insistence it was not an error, again, the phone records and emails will suggest otherwise. And if it was not an " error '', then why did every one of the at least XXXX people we spoke with address it as such? Do they allow false information to be passed to consumers? Or do they train personnel to respond falsely? Do they not monitor these things?
For our sake and more so the sake of those yet to come, these practices need investigation and resolution! Our health, our financial stability and our future have been negatively impacted.
Company Response: Closed with explanation
2016-06-06
MA
Account opening, closing, or management
Bank account or service: Checking account
Complaint: I confronted TDbank in XXXX ma. I explained that our accountant XXXX XXXX was in our opinion had stolen the funds from our lottery ticket for XXXX dollars. XXXX XXXX XXXX XXXX XXXX XXXX ma, has been charged and convicted .we had our house broken into all files stolen.police report filed .i closed this account and I have never received any paperwork on this account as we closed it and now XXXX tells me I owe this bank XXXX I owe nothing and this is interfering with me obtaining a proper safe home for myself and my XXXX child this account reports closure status unknown and a report date of XXXX/XXXX/12 I am still at the same address as i was and no checks ever got ordered to this account .TD bank needs to fix this
Company Response: Closed with explanation
2016-06-06
Ridley Park, PA
Managing the loan or lease
Consumer Loan: Vehicle loan
Company Response: Closed with non-monetary relief
2016-06-05
MA
Application, originator, mortgage broker
Mortgage: VA mortgage
Complaint: My wife and I applied for a mortgage with TD bank. After 12 days they had not processed our application or scheduled an appraisal of the property. After calling repeatedly I was finally informed that the credit card my wife gave them for the appraisal fee was expired ( It 's a brand new card expiring in 2020 ) I gave them my credit card number instead which was quickly charged {$430.00} for the appraisal. On XXXX XXXX after calling several times I finally received a letter of conditional approval with a " to-do '' list with a due date for everything of XXXX XXXX. After another week the appraisal had still not been scheduled nor had we seen any progress of the application being processed. We decided to start working with another mortgage company because of the lack of progress from TD. I promptly informed our mortgage officer and mortgage processor at TD that we would be withdrawing our application with them and that I wanted to be refunded the appraisal fee because the appraisal had not been carried out or even scheduled. They assured me that it would be refunded. It has now been ten days and I have not yet been refunded.
Company Response: Closed with monetary relief
2016-06-04
Primm Springs, TN
Taking out the loan or lease
Consumer Loan: Vehicle loan
Company Response: Closed with explanation
2016-06-03
Cherry Hill, NJ
Payoff process
Credit card:
Company Response: Closed with explanation
2016-06-03
Jupiter, FL
Customer service / Customer relations
Credit card:
Complaint: TD bank placed XXXX inquiries on my XXXX credit report. This has caused my credit score to be lowered. They need to do soft inquiries
Company Response: Closed with explanation
2016-06-03
Scranton, PA
APR or interest rate
Credit card:
Complaint: I have XXXX with a XXXX to 5 years. I called Target Red Card services to lower my interest rate so I can get the balance paid off. I am no longer working and can only make minimum payments. I was told that I do not qualify to lower my interest rate even though I have a perfect record of on time payments. Further your customer service representative insulted me today on XXXX XXXX, 2016. I told her that no one can pay the balance should I pass away before it is paid and she said " that is okay ''. I do n't want my family to be asked by the creditors to pay my debt, it is my responsibility. So it is not OKAY that I pass away and still owe you money.
Company Response: Closed with explanation
2016-06-02
Hartford, CT
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-06-02
Lakeland, FL
Using a debit or ATM card
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2016-06-02
Mabank, TX
APR or interest rate
Credit card:
Complaint: For the past four years, I have requested a lower interest rate from Target Card Services in order to minimize the overbearing finance charges imposed on my account. Since XX/XX/XXXX, I have diligently been trying to get assistance from their guest services as I contacted them via telephone but was unsuccessful in my negotiations. In XX/XX/XXXX, I submitted a written letter ( attached ) and was informed the company does not participate in these type of requests. In XX/XX/XXXX, I attempted asking again via telephone, and was told a canned response that was not helpful to my situation. XX/XX/XXXX, I came across a general note in my online account indicating to submit updated information to determine if I could qualify for an interest rate reduction. I submitted my information a month later and never received a response. I have attempted making on-time payments each month, nevertheless ; I may have been late once in a XXXX month cycle as it still should not preclude me from attaining a better interest rate. I have never been with a credit card company that does not fairly negotiate with their customers. At the rate I am going, it makes the process more difficult to payoff the remaining balance considering other debt taken into account. Therefore, I would greatly appreciate your assistance in resolving this matter.
Company Response: Closed with explanation
2016-06-02
Wilmington, DE
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-06-02
Hicksville, NY
Managing the loan or lease
Consumer Loan: Vehicle loan
Company Response: Closed with explanation
2016-06-02
Livingston, NJ
Problems caused by my funds being low
Bank account or service: Other bank product/service
Company Response: Closed with monetary relief
2016-06-01
Saint Clair, MO
Managing the loan or lease
Consumer Loan: Vehicle loan
Company Response: Closed with explanation
2016-06-01
Germantown, MD
Other
Credit card:
Company Response: Closed with non-monetary relief
2016-06-01
Weston, CT
Account opening, closing, or management
Bank account or service: Checking account
Complaint: On Saturday, XXXX XXXX, 2016 we closed our TD checking account because TD started charging a {$24.00} fee. We were not informed and was never charged a fee before. On XXXX XXXX, 2016 I received an email from TD bank that the biweekly transfer of {$340.00} will be completed in three business days. So we went into the XXXX TD branch and they assured us that the transfer will not happen, that the transfer was turned off in the TD system. Well on XXXX XXXX, 2016 TD withdrew {$340.00} from our XXXX checking account causing our XXXX account to be over drawn.
On XXXX XXXX, 2016 I just got another email from TD Bank that another transfer in the amount of {$340.00} will occur on XXXX XXXX, 2016. TD will now have {$690.00} of our money that we need for paying bills. This is outrageous. We have had so many problems with this bank, they should be fined for all the money they have taken from our account. Where is our money. Why does TD not realize that our account is closed. By the end of this week we will be out {$700.00}.
Company Response: Closed with non-monetary relief
2016-05-31
Torrance, CA
Privacy
Credit card:
Company Response: Closed with non-monetary relief
2016-05-31
Mount Ephraim, NJ
Deposits and withdrawals
Bank account or service: Checking account
Company Response: Closed with non-monetary relief
2016-05-30
Syringa, VA
Billing disputes
Credit card:
Complaint: I filed a complaint ( # XXXX ) regarding Nordstrom Credit cards because I was unable to change the auto pay feature either online or over the phone and I wanted to reduce the automatic amount from the full statement amount to a lesser amount ( {$1000.00} ). After XXXX or XXXX phone calls and filing a complaint with CFPB I was assured by multiple Nordstrom representatives on the phone AND in XXXX LETTERS that they would deduct {$1000.00} from my checking account on XXXX XXXX. XXXX of the letters from Nordstrom Rep XXXX XXXX acknowledges that the problem was with Nordstrom, and explicitly states that they were going to deduct {$1000.00} from my checking account on XXXX XXXX. The checking account listed on my Nordstrom card account is the same one that has been listed for several years and was the same XXXX Nordstrom used for auto pay from XXXX XXXX through XXXX XXXX. They posted the payment on XXXX XXXX, but never sent the request to my bank account AND NOW THE ACCOUNT IS LISTED AS OVERDUE. I have now made ANOTHER payment online of {$1000.00} BUT I HAVE NO IDEA IF THEY ARE GOING TO HONOR THE PAYMENT OR NOT ( conf # XXXX ). If this screws up my credit, can I sue Nordstrom?
Company Response: Closed with monetary relief