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 260
2016-03-10
Ft Lauderdale, FL
Problems caused by my funds being low
Bank account or service: Checking account
Complaint: I consider myself to be a smart and responsible consumer. I was recently charged for XXXX overdraft fees by TD Bank. I keep a record of my purchases and also check my balance online daily. I made XXXX purchases/payments to XXXX XXXX on XXXX/XXXX/16. This left me with approximately a {$10.00} balance. When I checked my account on XX/XX/XXXX everything was fine. On XX/XX/XXXX the XXXX aforementioned payments came out but only after a unauthorized charge of {$130.00} hit my account on XX/XX/XXXX. I spoke with the company that charged me and immediately deposited {$130.00} to cover that even though it should not have been debited as a recurring charge. I also had XXXX negligible charges also prior to XX/XX/XXXX that did not post until XX/XX/XXXX. I contacted TD bank online. I was told I would receive an email response with 24 hours. 48 hours later I had no response. I emailed again. I finally received a response which stated the fees were valid. I walked into my local branch. I explained what happened. I asked them to look at my record. The representative stated they do n't process transactions in the order they come in, they process them high to low. Had that unauthorized charge of {$130.00} not hit my account first, I would n't be facing XXXX overdraft fees totaling {$140.00}. I consulted a friend in banking who said it was a common practice but some banks were changing this. This is not an ethical practice. This is a greedy money making practice for big banks to prey on hard working consumers. The bank refused to issue me credit for the fees. I will no longer be banking with TD Bank.
Company Response: Closed with monetary relief
2016-03-10
Flushing, NY
Late fee
Credit card:
Complaint: My wife signed up for a Target Red Card credit card since we are ( or were I should say ) frequent target shoppers. I signed up online for autopay and then the website managed to not register that I had signed up. Sure enough when I get the bill 2 months from then ( the first month I assumed would be taken care of ) it became clear that their website did n't register that I had signed up for autopay. So I went online and signed up a 2nd time. now it 's few months after that and we realize that they are still charging late fees because their website managed not to register the autopay a 2nd time. I spent 2 hours on the phone with them. The person refused to hand me off to a supervisor. Blamed me for not paying close enough attention to the bills ( which kind of defeats the purpose of autopay ) and did nothing. Please open an investigation to see if this is a widespread scam -- or really only for us and a few others. If you look online there are tons of complaints about the redcard and their lack of oversight. Thank you
Company Response: Closed with explanation
2016-03-09
Mountain View, OK
Payoff process
Credit card:
Complaint: After missing a couple of payments in XX/XX/XXXX, on XXXX XXXX, XXXX Target Cards called me to set up a payment plan for my unpaid balance. The initial agreement was made for about 12 months @ $ XXXX/month set up for automatic bill pay from my checking account. On XXXX XXXX, XXXX Target Cards then sent me a form and phoned me and arrangements were for them to continue to debit my account in a new amount of $ XXXX/month, I also agreed to this on a 4 year term, through payoff of the credit card. I was called again by Target Cards on XXXX XXXX, XXXX at which time they wanted to set up an agreement through XXXX XXXX in the amount of $ XXXX/month. I was confused by their phone call because we had made a 4 year agreement 3 months previously but trusted they knew what they were talking about. While on an extended trip away from my home dated XXXX XXXX, XXXX, Target Corporate Services sent a letter stating there were revised terms as of XXXX/XXXX/XXXX, " The current monthly payment {$33.00} will remain in effect indefinitely, and will not expire. '' Please keep in mind, I have at no point refused these automatic debits/ cancelled any payments/ nor switched accounts or banks. On XXXX XXXX, XXXX I received another letter from Target Visa Credit notifying me my account was past due, I called them immediately and they had already turned the account over to a collection agency, XXXX. An agreement of $ XXXX/month for 2 years was then made with XXXX, I once again agreed to have the money automatically drafted, supplying my account information, yet again. I received my last statement from XXXX XXXX XXXX, XXXX stating they had taken their payment from my account, however, their statements show no balance. Communication ceased until I received a letter from XXXX XXXX on XXXX XXXX, XXXX, apparently another collection agency seeking {$280.00} due by XXXX XXXX, XXXX. I have not responded to their attempts to communicate and feel I have given due diligence in my many attempts to pay off this debt. Throughout the XXXX agreements made my bank account information never changed, I never refused payment, and payments were never returned due to insufficient funds. I believe I have communicated and positively agreed each of the five times Target and CBE sought to collect money from me. My credit has now been impacted negatively by their inability to offer competent payment agreements and I am not willing to make yet another agreement, number six. Furthermore, because these arrangements were terminated prematurely, I have suffered monetary loss by the compounded interest rates.
Company Response: Closed with non-monetary relief
2016-03-09
Sandy Hook, CT
Account opening, closing, or management
Bank account or service: Checking account
Company Response: Closed with explanation
2016-03-09
Making/receiving payments, sending money
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2016-03-09
Ft Lauderdale, FL
Deposits and withdrawals
Bank account or service: Checking account
Complaint: I am a victim of fraud. I did go online to be a mystery shopper and was contacted to a assignment for XXXX XXXX. I was XXXX a check {$1900.00} for my assignment. I went to TD Bank in XXXX Florida and deposited this check. After several days I call TD Bank to verify if this check was even good. I spoke to a financial Representative she stated that this check DID CLEAR. again I asked it cleared? Again she stated IT CLEARED. I then went to the same TD Branch to withdraw money to complete this assignment in the amount of {$1600.00}. I was called again from this MYSTERY Shopper if I would be able to complete another assignment. Again, XXXX brought me another check with another assignment Went back to the same branch at TD an made a deposit.. Waited several. days called again XXXX # and this time they said the check did not clear. That evening I received a letter from TD Bank that the 1st check was fraudulently written. TD mandated me to get my account in good standing and deposit money. I did this immediately. I was angered about this I called the XXXX number and went round and round finally got a supervisor she listened to the tape and she admitted that TD Bank Rep did say it " CLEARED '' that they TD were going to refund {$930.00} to cover my deposit and XXXX return check fee. This was very nice, but I had in this account {$710.00} before all this took place, she was unwilling to return this amount. I found this to be inaccurate and unjust if TD Bank admitted fault. they should have returned all the monies. I am requesting that XXXX be returned from TD into my account..
Company Response: Closed with monetary relief
2016-03-09
New Britain, CT
Deposits and withdrawals
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2016-03-08
Charlotte, NC
Making/receiving payments, sending money
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2016-03-08
FL
Account opening, closing, or management
Bank account or service: Checking account
Complaint: I am a XXXX year old victim of check Fraud. I hired a handyman named XXXX XXXX. He stole numerous checks and forged my signature. The signature on the checks that he forged was very different from my signature. I never authorized him to sign the checks. TD bank cashed the checks totaling {$8600.00} without confirming the signature and assessed me another {$1500.00} in returned check fees. I could not address this because I was in the hospital and XXXX following XXXX. When I was physically able to challenge the forged checks TD bank only refunded {$2600.00}, stating I took to long to challenge the other {$6000.00} and they refused to credit me the returned check fees that were caused by TD Banks acceptance of the forged checks. I want TD Bank to refund all of the forged checks, ( {$6000.00} ) and to credit my account for the returned check fees caused by their failure to reject checks that did not match my signature.
Company Response: Closed with explanation
2016-03-08
Niantic, CT
Deposits and withdrawals
Bank account or service: Checking account
Complaint: A stop payment was a made for a duplicate payment in the amount of XXXX from XXXX XXXX on XX/XX/XXXX, however, the bank failed to return the items. Their rep stated they are not showing as being returned, she submitted a dispute for the charges. It appears XXXX made a duplicate payment, but do not know how or why it happened, XXXX rep ( s ) did not say who made the additional payment for same amount. Again, the bank failed to stop the items and are now showing as posted to the account and overdrawing it. I need these items returned and overdraft fees refunded, there are XXXX pending items which will be charged fees, paid or returned.
Company Response: Closed with explanation
2016-03-08
Lewisville, TX
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: On XXXX/XXXX/16, I received my initial auto loan statement from TD Auto Finance, in which the payment was due on XXXX/XXXX/16. After receiving and reviewing the statement, I went online to www.tdautofinance.com to set up automatic payments. I opted to have my checking account drafted for the payment amount due each month. I also set up e-statements in order to forgo receiving paper statements every month. The process went smoothly and the first payment was processed with no issues or problems.
However, on XXXX/XXXX/16, I discovered after signing into my auto loan account through the TD Auto Finance website that I was unable to view my online e-statement for any of my XXXX statements generated thus far. As a result, I decided to call a TD Auto Finance customer service representative to find out why I was unable to access my statement details. After inquiring, the customer service representative informed me that monthly statements are discontinued ( both paper and e-statements ) because of signing up for automatic payment deductions. According to the customer service representative, this has always been a practice at TD Auto Finance.
Another concern I discovered and brought to the customer service representative was regarding how TD Auto Finance applies additional auto loan payments. There is no option under auto payment for consumers to make a payment for more than the minimum payment due, if the consumer elects to do so. If the consumer elects to make an additional payment to his/her account, then the consumer must make a separate one-time payment. On XXXX/XXXX/16, I elected to make an additional payment of {$30.00} to my auto loan separately from my minimum auto loan payment. Therefore, XXXX separate transactions took place. As a result, I wanted the additional payment of {$30.00} to be applied towards my outstanding principal balance. However, in viewing my account online, it was determined it was not applied towards the principle balance. The payment was applied towards interest, which in turn, lowered the next month 's minimum monthly balance due. On XXXX/XXXX/16, after inquiring with the customer service representative, she confirmed that any additional payments made are not automatically applied to the remaining outstanding principal balance. The representative further stated that if I wanted additional payments applied towards the principle balance then I have to call a representative or send a secure message through the website each time. I made it clear to the customer service representative that I wanted the additional payment I made on XXXX XXXX, 2016 for {$30.00} reallocated towards the outstanding principal balance. I also requested a statement to reflect the payment reallocation.
My concerns noted above appear to be potential violations of law under Regulations E & Z and warrants further investigation. Please note that I conducted a XXXX search titled " TD Auto Finance consumer complaints '' and I have found a slew of complaints pertaining to issues with TD Auto Finance 's poor billing and payment allocation practices. As a result, the issues noted above appear to be systemic issues.
Company Response: Closed with non-monetary relief
2016-03-07
Rocky Ridge, MD
Managing the loan or lease
Consumer Loan: Installment loan
Company Response: Closed with monetary relief
2016-03-07
Columbus, OH
Billing disputes
Credit card:
Company Response: Closed with explanation
2016-03-07
Brooklyn, NY
Credit card protection / Debt protection
Credit card:
Company Response: Closed with non-monetary relief
2016-03-07
Maynard, MA
Late fee
Credit card:
Complaint: My inquiry is what the law allows in terms of fees charged e.g. a late payment 'fee ' that is XXXX % of the minimum payment due. Can a 'fee ' be almost equal to the principal and interest due on a revolving credit account? It seems excessive and designed to compound every month. This with Nordstrom Bank. Thank you
Company Response: Closed with explanation
2016-03-07
Discovery Bay, CA
Managing the loan or lease
Consumer Loan: Vehicle lease
Complaint: Several years ago I leased a car from Chrysler Financial. I defaulted on the loan. Chrysler Financial ceased to be an entity a couple of years back and their accounts were taken over XXXX by TD Financial which was the successor to Chrysler. The statue of limitations according to the law mandates that it be removed from my credit history as of XX/XX/XXXX. It was removed from XXXX and XXXX this year and not XXXX. The problem here is that the XXXX report only lists TD Financial as the lending institution not Chrysler Financial and are reporting the wrong date. They claim it is XX/XX/XXXX. I disputed this with XXXX but as Chrysler Financial is no longer in business and the information to XXXX was submitted by TD Financial they have to go by the TD Financial submission as the have no record of Chrysler, only TD. I have submitted evidence from the original lender from the other XXXX credit reporting agencies clearly showing Chrysler reporting the first and last delinquency of XX/XX/XXXX where as TD ( the exact same company ) reporting it as XX/XX/XXXX. Clearly they are lying. I have repeatedly tried to have this item deleted by writing to them, to the credit bureau ( XXXX ) but they stand by there claim of initial first delinquency even after I sent to them the submission by Chrysler Financial to the other XXXX bureaus. I am asking you to review the information which shows the liability of TD financial.
I am submitting documentation from TD financial and XXXX ... ... ... ..
Company Response: Closed with non-monetary relief
2016-03-06
Lionshead Lake, NJ
Delinquent account
Credit card:
Company Response: Closed with explanation
2016-03-06
Philadelphia, PA
Improper contact or sharing of info
Debt collection: Other (i.e. phone, health club, etc.)
Contacted me after I asked not to
Complaint: I tried to get a pharmacy rewards card, but the cashier did not understand and she made me to apply a target red card? I noticed that this person was a sales training to get bonus, and charged {$38.00} from the target red card. I closed the account the last XXXX, so I received some letters regarding the payment plus interest. Now, I have financial matters and I am not willing to pay the new balance.?
Company Response: Closed with monetary relief
2016-03-06
NY
Closing/Cancelling account
Credit card:
Complaint: On XXXX/XXXX/XXXX I initiated a payoff of my Target REDCARD Credit Card ending XXXX. I have not used my card since that date and was under the Impression my account was in good standing, Target has hassled me since the card was opened in XXXX XXXX about the credit limit and paying the card down, every time the card was reduced by a substantial amount, Target decreased my credit limit affecting my credit score. I have logged into my account previously to make sure there were no residual payments or interest but I have not used the card since paying it off.
It turns out that I was going to check my limit recently and found out Target closed out my Account without notifying me in writing thus drastically affecting my credit score and credit history with Target, this is something that Target should have notified me in writing that was going to occur and thus is hurting my credit.
Company Response: Closed with explanation
2016-03-05
Ridley Park, PA
Credit card protection / Debt protection
Credit card:
Complaint: My boyfriend and I purchased a sofa from XXXX and we have a year to pay it off interest free. Before we made the purchase I asked if I would be able to set up automatic monthly payments and was told I could. I just got the bill ( which is through TD Bank ) and got online to set up the monthly payments and their system is designed to only allow me to make monthly payments in the amount of the minimum payment due - which will not have us pay off the sofa in time and would then have us pay interest in an amount almost equal to the cost of the sofa itself. In addition, the loan is set up as a credit card so there are late fees if you do n't pay monthly. I called customer service, assuming there was a technical glitch that would n't allow me to enter a larger amount, and was told by the associate that this is how the system is designed. She said I can set up recurring payments for the minimum amount and then call each month if I want to pay more than that. They promise an interest free loan and then are putting significant barriers in place to cost the consumer extra money. These policies are predatory and need to be changed.
Company Response: Closed with explanation
2016-03-04
East Freehold, NJ
Account terms and changes
Consumer Loan: Personal line of credit
Company Response: Closed with explanation
2016-03-04
Castle Point, NJ
Credit determination
Credit card:
Company Response: Closed with explanation
2016-03-04
VT
Account opening, closing, or management
Bank account or service: Other bank product/service
Complaint: Can someone please investigate XXXX, Vermont?
XXXX XXXX has charged a fee of over {$3000.00} (! ) to hand deliver documents a few blocks across town.
They declined to act as Executor for my father 's Estate, though the representative, XXXX XXXX, had offered to settle it!
My parents had a Trust with XXXX XXXX for many years ( more than 20 years ). XXXX XXXX was to act as Executor, as well as Trustee, for my parent 's trust fund. They ( very slowly ) settled my mother 's XXXX XXXX Trust Fund Estate.
A year later when my Dad passed, XXXX XXXX contacted us to say that they were declining to handle the Estate. Their reason? They did n't think it would be lucrative for them. But they had n't let Dad know that while he was alive ( and after my mother passed ), to make appropriate changes. [ He was competent to make this sort of his decision, per his XXXX. ] After searching for some time, we found Trust Company of Vermont to take over as Executor and as Trustee. XXXX XXXX continued to charge fees, even thought they were only holding the money ( not managing it ) and had declined to do what my parents counted on them to do -- settle the Estate.
Eventually I realized that TD Wealth had failed to provide XXXX the pour-over will documents, so my father 's Estate was headed to Probate Court unnecessarily. I provided my photocopy, and that was when XXXX charged more than XXXX XXXX dollars for delivering the original copy of the pour-over will my parents had filed with XXXX.
XXXX XXXX delivered the document a few blocks. [ If this is NOT what they charged over {$3000.00} to deliver, I do not know what they did deliver. They certainly charged the fee, and initially XXXX XXXX, supervisor in the XXXX VT office told me " there was nothing that could be done to refund the money because the account was closed. '' ] I took my complaint higher in XXXX XXXX. It took months and several emails to obtain an answer, but I was able to have the fee of moire than {$3000.00} credited to my father 's account.
While these fees have been returned, there has been no apology, and XXXX acts like I am unreasonable to make these requests that fees be returned when no service is being provided. They were simply holding onto funds that they had told my parents they would help settle, as part of their Estate. They did offer to only charge half fees, since they were doing nothing with the money. They have continued to charge fees through the time the Trust was closed. While some fees have been partially reimbursed, it has taken a great deal of effort to do this.
The fees have been high, the service has been poor, questions have been shifted from person to person, and I do n't think the management communicated well with my parents. They were domineering and clingy with the money. To return the fees, they have given me a document requesting that I sign off my right to " make disparaging remarks '' about their " employees. '' I think someone should investigate this institution! Who else are they cheating? Do you have any suggestions for where I should take this issue?
Thank you for your help.
Company Response: Closed with non-monetary relief
2016-03-03
Tyrone, NM
Taking out the loan or lease
Consumer Loan: Vehicle loan
Complaint: On Friday XXXX XXXX, 2015 I went to XXXX XXXX in XXXX XXXX, XXXX. When we arrived, XXXX, the salesperson took us to drive by the XXXX XXXX. We stopped by to see a few trucks in the XXXX XXXX parking lot and we headed back inside the dealership. Once inside, XXXX said there was a XXXX Silverado and we asked about the price. We negotiated a price and we asked to see the truck. XXXX said they did not have the key and they needed to get the truck ready but for us to head over with the finance person to get paperwork started. After waiting for hours for the finance person to be ready to help us, we went inside the finance office.
The finance manager said we were going to start paperwork. It was already a Friday at around XXXX XXXX, so he said that we were going to start signing papers and on Monday he would finish, we would take the down payment, and we would get the truck. I am not sure which papers were the ones that I signed, but they were just to get started with financing and nothing was to be final. When we were getting ready to leave at night that day, they said that out of courtesy, XXXX was going to let borrow one of their trucks to drive home to XXXX XXXX and return Monday. BUT I NEVER HAD THE KEYS TO THE TRUCK I WANTED TO BUY AND I DID NOT DRIVE THAT TRUCK AT ALL.
On Monday XXXX XXXX, 2015, me, my son and my daughter returned to XXXX XXXX to finish the paperwork to buy the new vehicle. When we arrived they showed us the XXXX Silverado for the first time. There were some details on the truck that we did not like. The truck they had promised had more features and was less standard. I believe that it was supposed to have chrome handles, a backup camera, a sprayed bed liner, and tinted windows, along with other features. At the time we expressed to the salesperson it was not what we had agreed on. So we offered to still buy the vehicle but to re-negotiate the price or add the features that we had requested. The salesperson and the manager did not want to negotiate. Therefore, we told them we did not have a deal and they said it was okay, so we left the dealership without a truck.
On Tuesday, XXXX XXXX, 2015, XXXX the salesperson called me and said that they could work something out. However, on this day we had gone out to our local XXXX XXXX in XXXX XXXX, XXXX to look at the truck we were looking for. So I told XXXX that we were already looking for another truck. We purchased a XXXX XXXX from XXXX XXXX, which was financed through XXXX XXXX.
After that, we never heard back from XXXX XXXX or the salesperson. Around XX/XX/XXXX, we received a bill from TD Financial asking for a payment on a vehicle. I called to figure out what the bill was for. TD Financial said it was for the purchase of a XXXX Silverado from Viva XXXX. I explained to them that we did not purchase the vehicle and they said I had to call the dealership. I then called XXXX XXXX to speak to the financial manager. I was unable to speak to anyone because on all the attempts, I was just forwarded to voicemails. I left a couple of voicemails.
The following month, in XX/XX/XXXX I received another bill from TD Financial. Again I called to explain that I did not purchase the vehicle. I talked to several people within TD Financial, and they were able to open a claim. They again advised me to talk to the dealership. I was able to speak to someone at XXXX XXXX from the finance department. Needless to say, I never received a call back from anyone at XXXX XXXX.
I did not agree to purchase this vehicle and I never gave a down payment either. Also, I never stepped foot in this vehicle, therefore I did not drive the vehicle at all. The person in charge of doing the finance for XXXX XXXX arbitrarily submitted paperwork for finance on a vehicle that I did not agree to buy.
Company Response: Closed with non-monetary relief
2016-03-03
CA
Cont'd attempts collect debt not owed
Debt collection: Auto
Debt is not mine
Complaint: TD Auto Finance has been calling my number ( XXXX XXXX XXXX ) for the entire two years I have had this number. When I was assigned the number I tried to get them to stop calling but was ignored. Since then, they have left nearly a XXXX robocall messages. The number has been on do not call list since 2003.
Company Response: Closed with non-monetary relief