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 270
2015-12-31
NJ
Problems caused by my funds being low
Bank account or service: Checking account
Complaint: On several occasions in the past year TD Bank has erroneously deducted overdraft fees from my checking account. Ive disputed this with TD Bank and have been refunded a third of these fees. Ive suffered hardship and undue stress during these times. Last XXXX XXXX was the beginning of this nightmare which ruined XXXX for my XXXX children. On XXXX XXXX XXXX TD Bank allowed XXXX transactions from XXXX to be debited from my checking account which left me in the negative over {$700.00}! These transactions were not authorized to be debited and yet TD Bank still kept putting other transactions through while i disputed the unauthorized XXXX transactions. ( bill pay, and authorized transactions ) while my account was negative over {$700.00} until i had over {$220.00} in fees! I am XXXX single mother of XXXX on limited income from social Security XXXX and state pension. I did not get reimbursed until XXXX XXXX XXXX. Through this dispute TD Bank XXXX XXXX XXXX employees knew exactly what was done to the point that each side was directing as to what to say to the other - it seemed too shady.
Since then TD CONTINUES to charge me fees illegally!!!! I could not figure out how i would make a withdrawal on Thursday and get a reciept showing the new balance that was not negative! Then about a week later recieve notice of that exact withdrawl stating i was charged {$35.00} for insufficient funds! I cash my TD bank account check right there at the branch yet somehow they post these transactions up to four days later in a sequence with four days worth of transactions in an order that shows multiple overdrafts and then charged multiple fees! When i dispute the fees and explain the checks were cashied at the branch which proves i had the funds available! TD Bank will then admit and aplogize for the error BUT WILL NOT REIMBURSE MY FEES CAUSED BY THIER ERROR BECAUSE THEY STATE THAT I HAVE ALREADY HAD TOO MANY FEES REFUNDED!!!! I remind them the fees already reimbursed were BANK ERROR! THIS IS A SCAM! THEY DO THIS TO XXXX, ELDERLY PEOPLE WHO GET THEIR GOVERNMENT CHECKS AUTOMATICALLY DEPOSITED! They know they will get the fees paid due to direct deposit & they also know that the elderly will not be able to figure out their confusing illegal practice of stealing money. Ive been without food for my kids for over a week on multiple occasions due to TD Banks predatory ways! They will send me on multiple phone calls & forms hoping i give up- then will deny my refund without a legit reason! They even direct me what to say to merchants to threaten the merchant such as : threaten merchant fraud to get the merchant to pay for TDs illegal practices. TD has a practice of posting transactions between XXXX and XXXX! Then will post the trsnsaction date ss the prior day! ThiThis to their advantage and very confusing to make a witgdrawal at XXXX because you check the balance in account first anf get reciept showing the withdrawal and new balance ( which of course has funds ) to wake up at XXXX and see XXXX fees! Totalling {$140.00} due to that withdrawl being posted at XXXX with multiple other transactions that apoarently TD saves to post on a date at XXXX on the XXXX but states it wad posted on the XXXX! The check i got directly deposited on the XXXX after XXXX does not read as posted until the XXXX!!!! I want my {$460.00} dispute on XXXX XXXX credited to my account! I gave all information requested to the point the merchant advised me to dispute the transaction with Td so they could reimburse me! I want all fees credited.
Company Response: Closed with explanation
2015-12-30
Brooklyn, NY
Problems caused by my funds being low
Bank account or service: Checking account
Company Response: Closed with explanation
2015-12-30
Alden Manor, NY
Deposits and withdrawals
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2015-12-30
Howell, NJ
Problems caused by my funds being low
Bank account or service: Checking account
Company Response: Closed with explanation
2015-12-30
Flushing, NY
Problems caused by my funds being low
Bank account or service: Checking account
Company Response: Closed with explanation
2015-12-30
East Rockaway, NY
Application, originator, mortgage broker
Mortgage: Other mortgage
Company Response: Closed with explanation
2015-12-30
Barnsboro, NJ
Application, originator, mortgage broker
Mortgage: Home equity loan or line of credit
Company Response: Closed with explanation
2015-12-30
Bronx, NY
Account opening, closing, or management
Bank account or service: Checking account
Company Response: Closed with explanation
2015-12-30
Katonah, NY
Problems caused by my funds being low
Bank account or service: Checking account
Company Response: Closed with explanation
2015-12-30
Staten Island, NY
Account opening, closing, or management
Bank account or service: Checking account
Company Response: Closed with explanation
2015-12-30
Silver Spring, MD
Deposits and withdrawals
Bank account or service: Checking account
Complaint: I open an account with TD bank, I deposit {$25.00} to open it. Later I deposit a cashier check that my partner and I wrote off another account from our business to a company we decided not to do business with but had already written the cashier check for. We only made an inquiry with this firm, but my partner mistakenly made the cashier check to the firm, but we do not owe them.
Now TD Bank has been holding my funds since XXXX in the amount of {$7000.00}.
I reach out to them numerous time and they kept running me around. Finally on XXXX they told me that a gentleman in the security department Name XXXX XXXX was handling the case. I called this gentleman and never got a response until XXXX/XXXX/XXXX when XXXX of TD Bank staff told me he was on vacation. But than after they told me to go to a branch and open an account with my business name and they will deposit it. I went to the bank on XXXX XXXX and open a business account then they later told they will not deposit the money because it is not in my name. I told the cashier check came from my other business account and has my business name on it as who wrote the check and they 've received the funds and no one has made any claims that it was stolen so the funds is good. They told me to bring the receipt of the transaction and I did with a letter from my partner, I did and than they said no they can use it. So I ask them to send the funds back to were they got it from and they refuse.
They told I either have to go to the firm that I never did business and mistaken wrote the cashier check for to give me a endorsement release which do not make no sense because I called the company and they said they do not have anything to do with it because we do not owe them and our business relationship was just an inquiry made by us to them. No business was conducted with this company called XXXX XXXX ... .. I even called XXXX XXXX and XXXX of the manager along with me called back to speak with the assistant branch manager at TD Bank that I previously spoke with name XXXX at the Gallery Place XXXX location on XXXX XXXX. But, he just left me and the XXXX Insurance Company manager on hold and never came to the phone until we hang up.
The other solution was I had to wait for the TD Bank contractor to get back in the office from vacation. I ask when the person who put the restriction on my check on XXXX/XXXX/XXXX will come back from vacation and they said in XXXX XXXX. And nothing will be done until he gets back and make a decision, but mean while they have my money. I ask them again to send the funds back to the bank the cashier check was written and they still refuse and told later that I had an account with them in XXXX that resulted into some issue.
I made it clear to them that, that was not me and if they allowed someone to open an account in my name fraudulently i will take legal action against them. They responded after that they can not do anything to help me now and I have to wait for the gentleman name XXXX XXXX before anything can be done.
I 'm, not sure what they are trying to do, but I want all of my money back and I have attach some documents, but also I am waiting for a letter from XXXX Insurance stating that I do not owe them and have only made inquiry with them. I can give you that letter once I get it if you can contact me. My company name is XXXX XXXX XXXX XXXX.
Company Response: Closed with monetary relief
2015-12-30
Boston, MA
Loan servicing, payments, escrow account
Mortgage: Conventional adjustable mortgage (ARM)
Complaint: I OFTEN PAY MY MORTGAGE AT THE LAST DAY OF THE GRACE PERIOD, E.G., ON THE XXXX OF THE MONTH. I DEPOSIT THE CHECK WITH A TELLER AT XXXX OF THE BRANCHES.
THE TELLER GIVES ME A DEPOSIT RECEIPT THAT HAS RECORDED A LATER DATE, SAY THE XXXX OF THE MONTH.
I THEN SAY THAT IS WRONG AND ASK THAT THE TELLER TO INITIAL THE DEPOSIT SLIP WITH THE DAY DEPOSITED, AGAIN THE XXXX.
I THEN WIND UP WITH A LATE FEE AS MY DEPOSIT IS RECORDED AT THE CENTRAL OFFICE AS LATE, WHEN IN FACT IT WAS ON TIME.
A. IS THIS LEGAL B. DO I OWE A LATE FEE C. WAS THIS SETTLED YEARS AGO WITH XXXX BANK (? ) XXXX WHICH PAID AN ENORMOUS FINE {$450.00} MIL FOR THE JUST THE SAME METHOD OF RECORDING PAYMENTS AND CHARGING ILLEGAL LATE FEES.
Company Response: Closed with explanation
2015-12-30
Brooklyn, NY
Using a debit or ATM card
Bank account or service: Checking account
Company Response: Closed with explanation
2015-12-30
NJ
Customer service / Customer relations
Credit card:
Complaint: I applied for a TD Bank XXXX XXXX XXXX XXXX XX/XX/XXXX. My credit report has been pulled 6 times from XX/XX/XXXX to XX/XX/XXXX by TD Bank and they keep giving me the same denial. Each time I call, I get sent back to XXXX which I have done already. I have perfect credit history for over 30 years. I am attaching a file with all of my information for a review and a resolution.
Company Response: Closed with non-monetary relief
2015-12-30
NJ
Problems when you are unable to pay
Consumer Loan: Vehicle loan
Complaint: TD Bank, XXXX, located in XXXX XXXX, New Jersey XXXX issued a car loan in XXXX, XXXX to my daughter and I co-signed for the loan. After Hurricane XXXX in the fall of XXXX, we, like thousands of residents, had no electricity, phone or heat for over 2 months. I contacted all businesses that had loaned us money ( mortgage, credit cards, automobile loans, etc. and each and every lender afforded us a 3 month grace period in making payments. This grace period meant that the lenders waived our payments for 3 months without penalty and without reporting a delinquency to the XXXX major credit bureaus. Lenders did not waive 3 months of payments, they simply extended the length of the loan for an extra 3 months without penalty. TD Bank granted us that waiver. That meant that XXXX, XXXX and XXXX, XXXX payments were waived. One month after our payments were to resume, TD Bank, without notifying me, issued a repossession order for the car and " charged off '' the car in XXXX XXXX. As such, TD Bank did not honor the grace period granted to us and instead ordered the car to be repossessed. As the co-signer of the loan, TD Bank never notified me that the car was being repossessed. When my daughter notified me of the action taken by TD Bank, I spent days attempting to locate the department within the bank that was handling the repossession. Once I reached the bank 's " charge off '' department, I made arrangements to pay off the remaining balance due on the car. In so doing, I was provided the title of the car. In the meantime, TD Bank reported to the credit bureau 's that the car had been charged off, and they also reported that there was an unpaid balance ( not true, there was no unpaid balance ). The credit bureau 's listed this as a derogatory event, and effectively ruined the credit rating of my daughter and myself. TD Bank never lost money on their loan to us, as we paid the full amount of the loan and received the title to the car. I have spent 2 years dealing with TD Bank to have this derogatory information corrected, which they refuse to do. They also will not provide an accounting of all of the payments made on the car loan. They will only provide a payment history up to and including when they " charged off '' the car loan on XXXX XXXX, XXXX. Because of this, TD Bank is reporting {$9500.00} as an unpaid balance, when in effect the unpaid balance is {$0.00}. In short, TD Bank did not honor their commitment to allow a 3 month grace period due to hurricane XXXX. On the XXXX month after they claim the payments were delinquent, in reality, due to the grace period granted to us, there was technically no delinquency on the loan. Furthermore, TD Bank was made " whole '' in that they received all of the payments due, plus interest, for the entire amount of the loan and granted the title to the car to us. Instead of holding true to their word on a grace period, TD Bank prematurely reported the car as a charge off. In so doing, I am certain that there were certain tax advantages afforded to TD Bank by the XXXX. In the meantime, TD Bank has adversely effected the credit score for my daughter and myself, and they refuse to correct their mistaken reporting to the credit bureau 's. To do so would only prove, in writing, that the way in which TD Bank handled our auto loan was fraudulent.
Company Response: Closed with non-monetary relief
2015-12-29
Colts Neck, NJ
Deposits and withdrawals
Bank account or service: Checking account
Company Response: Closed with explanation
2015-12-29
WI
Taking/threatening an illegal action
Debt collection: I do not know
Threatened to sue on too old debt
Complaint: I think this is about an old Target Credit Card Debt that is too old that the Statute of Limitations has run out on. These people keep calling and leaving messages on m son 's phone and this is the third time they have threatened me. I wrote a letter to Target to quit trying to collect long ago, so this is a clear violation of the Fair Debt Collection Practices Act. I have complained bout this before but they have never been punished. The following is an exact transcript of the message they left on the phone with the case no. and return phone number.
" This message is for XXXX XXXX XXXX Case number is XXXX. My name is XXXX XXXX with the Central Processing Office. I 'm contacting you in reference to a complaint registered against you. You will need to contact the firm handling your case XXXX. Now, XXXX, if there is no response, the firm will be forced to make a decision on your case without your consent. Please keep in mind this is a time sensitive matter that requires immediate attention. Once again, that telephone number is XXXX ''.
Company Response: Closed with explanation
2015-12-29
Tampa, FL
Identity theft / Fraud / Embezzlement
Credit card:
Complaint: Recently filed a complaint against Target for fraudulent activity on my account. Received a letter from a XXXX XXXX on XXXX XXXX, 2015 asking me to submit information to Target so that they may conduct an investigation regarding the fraudulent activities on the account. I submitted the documentation to Target as instructed over a month and a half and still no response from this XXXX XXXX person. I have contacted Target on several occasions trying to get in touch with this person and no one seems to know who this person is nor do they have any contact information for this person. It almost seems as if they just inserted someones name on their letterhead and sent it to me and well as the CFPB just to respond. I feel that Target did not acknowledge nor answer my complaint.
Company Response: Closed with explanation
2015-12-29
Cheverly, MD
Problems caused by my funds being low
Bank account or service: Checking account
Complaint: On XXXX XXXX, 2015 an amount of {$36.00} was paid on my behalf from TD Bank. I checked the account on XXXX XXXX, 2015 and realized that the account was in the negative. That same day XXXX XXXX XXXX, 2015 ), I made a deposit at the bank at XXXX XXXX of {$40.00} to cover the negative balance in the account. Today, XXXX 29, 2015, I received a letter from the bank say that they charged me an overdraft fee of {$35.00} for that day and they charged it after midnight and after I had posted the cash deposit at the bank.
Company Response: Closed with monetary relief
2015-12-28
Schuyler Falls, NY
Problems caused by my funds being low
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2015-12-28
NY
Account opening, closing, or management
Bank account or service: Checking account
Complaint: In XXXX of 2014, I had inquired about opening a personal savings or checking account with TD Bank, as my XXXX previous business accounts were closed in conjunction with a failed business. I was told that I could open a checking account, and that I would not be charged fees if the account were opened with a minimum balance of {$100.00}, which I did. As no further transactions were conducted, there was never a reason to inquire about the account.
When I returned to the bank 1 year later, to begin making deposits, I was told that my account was closed, my {$100.00} was gone and that I owed the bank {$45.00}, even though I had never conducted XXXX transaction. The reason was that the bank charged me {$1.00} to send me a paper statement ( which I did not ask for and would prefer email ), and then promptly charged me {$15.00} a month for being under balance until the account was depleted.
I am not against bank fees, but to deplete an entire account where not XXXX transaction was ever made is egregious at best and predatory at worst. Bank Statements are a necessary cost to the branch to conduct business in this state. Furthermore, had I been informed at the outset, I would have opted for E-Statements which do not cost money. They claim this is offered to everyone, but this was not discussed at all with me when I opened this account, and the employee who opened the account no longer works for the company.
I contacted the XXXX XXXX XXXX branch who told me that I had to call customer service at XXXX. Customer Service told me I had to call recovery. Recovery referred me back to the branch. The branch again said I needed to speak with customer service. I am requesting that the CFPB assist in the bank investigating the matter and remitting back into my account all fees associated with the " under balance fee '', if not the {$1.00} per month paper statement fee.
Company Response: Closed with monetary relief
2015-12-27
E Somerville, MA
Advertising and marketing
Credit card:
Company Response: Closed with explanation
2015-12-25
Hillsdale, NJ
Deposits and withdrawals
Bank account or service: Savings account
Company Response: Closed with explanation
2015-12-24
Hillsborough, NJ
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2015-12-24
Lake Ridge, VA
False statements or representation
Debt collection: Credit card
Attempted to collect wrong amount
Company Response: Closed with non-monetary relief