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 291
2015-08-06
Ernul, NC
Managing the loan or lease
Consumer Loan: Vehicle loan
Company Response: Closed with explanation
2015-08-06
Raymond, NH
Late fee
Credit card:
Complaint: I own a Target Redcard. The payment is due on the XXXX of each month. XXXX times in the past few months, I have logged onto the Target Card website, on the XXXX to make a payment. Each time I log on, I click " make a payment ''. Each time I 've done this, during the day and in the morning, I get an error message indicating that the website is unavailable. This has happened each time I do this. When I log in after I get home from work ( after XXXX ), the website miraculously work. If I try and make a payment, however, the next day is selected and it winds up being a " late payment '' - therefore Target charges a XXXX dollar late fee. Each time I contact them, I ask them to adjust the late fee, citing the confirmation numbers of the payments. XXXX, they 've had to reverse the late charge however this time, they refuse - saying that I could have called or gone to the XXXX XXXX. When I do n't get home from work until at XXXX, It 's impossible to call and go to the store. Their website should work during the day. This is extremely deceptive and completely unfair in business practices and ethics. My payments are always made on the day they are due and because Target 's website chooses not to work, each time I try to make a payment, I should not be charged a late fee, as a repercussion. This is some of the worst business practices I have ever seen, erroneously charging customers fees.
Company Response: Closed with monetary relief
2015-08-06
VA
Closing/Cancelling account
Credit card:
Complaint: Account was paid and closed.
Company Response: Closed with explanation
2015-08-06
FL
Billing disputes
Credit card:
Complaint: On XXXX XXXX, 2015, I made an online purchase for a professional exam review course from what appeared to be a reputable website XXXX BBB logo was displayed ). Instead of the review course, I received used and outdated books, and merchant was slow to respond. I disputed the charge with my credit card company, TD Bank. TD Bank was not helpful ; nothing was done by the bank to resolve the dispute, and the disputed charge was not reversed. After repeated calls, TD Bank told me I would need to fill out a dispute form, which they would send via USPS mail service. They refused to send the form to me electronically. After waiting a week for the form to arrive, I called again, and was told the form had been mailed, and would take XXXX business days to arrive. When it did not arrive, I called again, and was told it had only just been mailed. From the time I first learned about the dispute form, it took about XXXX weeks - and multiple phone calls to TD Bank - before the dispute form arrived.
While TD Bank was doing nothing to help with my dispute, I continued attempts to work with the merchant, and on XXXX XXXX, 2015, the merchant stated in an email, " I instructed our Finance department to put the refund through. It usually takes XXXX business days to process and show your account. '' The credit was never posted to my TD Bank credit card account. TD Bank was provided with a copy the email communication from the merchant, along with TD Bank 's dispute form, returned to TD Bank via priority mail service on XXXX XXXX. On XXXX XXXX, TD Bank acknowledged receipt of the email documents ( receipt date was said to be XXXX XXXX ). On XXXX XXXX, the documents were resubmitted via fax, at TD Bank 's request. As of XXXX XXXX, 2015, TD Bank has still not credited my account for the disputed charge, and representatives - even supervisors - are unable to provide information about the reason for the delay. When the dispute was first made in XXXX, I was told it could take up to XXXX days to resolve. By XXXX, TD Bank said it could take up to XXXX days to resolve ... and this is after the merchant acknowledged that a credit was due.
TD Bank billed a late fee to my account while the dispute was pending. They did say it will be reversed, but this required another hour on the phone with them. ( I have always paid legitimate charges before their due date. ) Meanwhile, on XXXX XXXX, multiple fraudulent charges appeared on my TD Bank credit card account. I strongly suspect the scammer-merchant sold my account information. I noted the charges the day they were authorized ( while checking my account online to see if the disputed charge had been credited ), and called TD Bank immediately. TD Bank did not advise me to file a police report, nor did the bank advise me about placing a fraud alert on my account with the credit bureaus. Fortunately, a Google search did. I filed police reports with both my local police and police in the state where the charges were made, and a detective was able to obtain video of the fraudster. I also initiated a fraud alert with the credit bureaus. Although the bank was notified within hours, TD Bank did not immediately stop the charges ; instead, they posted the fraudulent charges to my account. TD Bank took over a week to reverse those charges.
Throughout this process, TD Bank has not provided useful advice, has not adequately protected me, and has been very slow to assist in any way. My confidence in TD Bank has been seriously eroded by its handling of these events, and I am very disturbed about the level of service provided by this bank.
At this time XXXX XXXX/XXXX/2015 XXXX, my dispute has not yet been resolved.
Company Response: Closed with monetary relief
2015-08-06
PA
Settlement process and costs
Mortgage: Conventional fixed mortgage
Complaint: TD Bank changed the amount of transfer taxes on the day of settlement.
TD Bank was disclosed the proper amount on the original purchase and sales agreement and only listed 1 % on the GFE rather than the 2 % listed on the purchase and sales agreement. On the day of settlement, they changed the amount to 2 % increasing my closing cost. There was never any change to the transfer tax amount through the entire process.
TD Bank is stating they were allowed to make this change.
Company Response: Closed with monetary relief
2015-08-06
Baltimore, MD
Problems caused by my funds being low
Bank account or service: Checking account
Complaint: Message to TD Bank Customer ServiceMessage : Date XX/XX/2015XXXXSubject OtherMessage Account : TD CONVENIENCE CHECKING XXXXAmount : XXXXMessage : Opened my account on XXXX XXXX, 2015 @ XXXX, at XXXX XXXX XXXX, XXXX MD XXXX , at which time I set up, or was instructed during account setup my account would do an automatic transfer prior to any fees. That did not occur. In fact, XXXX of fees were charged to my account in which it seems a FRAUDULENT and/or SCAM-LIKE manner ... or that is how this assessment of fees due to a obvious bank error, including charging a fees assessed for transferring available funds to my savings account. I am very disappointed and feeling very SCAMMED. The customer service representative XXXX, was HORRIBLE! A very disappointing and offensive conversation. This experience is converting into a nightmare, when I have referred XXXX ( XXXX ) people. I am very discouraged. I respectfully request an immediate reimbursement of my XXXX to my account, and correction to ensure this does not occur again. I would like to not have to make this issue become a issue requiring mediation of a third party. I would appreciate assistance in resolution, immediately.
Company Response: Closed with monetary relief
2015-08-06
Feasterville, PA
Taking out the loan or lease
Consumer Loan: Installment loan
Company Response: Closed with explanation
2015-08-05
Gloucester City, NJ
Closing/Cancelling account
Credit card:
Company Response: Closed with non-monetary relief
2015-08-05
AL
Billing disputes
Credit card:
Complaint: I received a letter from TD Retail Card Services dated XXXX/XXXX/15 stating that my account is past due and to promptly send my total payment due. I call TD Retail customer service to inquire about my late charges, as I have never missed a payment. In short, they stated that I made XXXX separate payments in XXXX reflecting as a combined payment, rather than posting separately for XXXX and XXXX. The supervisor stated that I have to make payments monthly after the XXXX and before the XXXX of the preceding month to prevent XXXX posting to the same month and reflecting no payment for the next. Here is the sequence of events : XXXX paid, XXXX posted. XXXX paid, XXXX posted. XXXX paid, XXXX {$25.00} late fee, XXXX posted. XXXX paid, XXXX {$35.00} late fee, XXXX posted. Amount currently due : {$98.00} ( {$60.00} late fees ). This institution refuses to reverse adverse charges and to reinstate my account to current status reflecting 0.00 % for remaining balance owed. I have made all payments either on time or early, and this financial institution wishes to punish me for being a responsible consumer. Additionally, this unfortunately changes the terms of agreement from XXXX months with no interest to 29.99 %. This poor customer service is having a negative reflection on my current account and credit report, as this company is showing my account as late or not current.
Company Response: Closed with monetary relief
2015-08-04
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Closed with monetary relief
2015-08-04
Altamonte Spg, FL
Deposits and withdrawals
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2015-08-04
Falmouth Foreside, ME
Customer service / Customer relations
Credit card:
Complaint: On XXXX XXXX, 2015 I received a letter from Target REDcard that they had cancelled my auto-pay as requested. I had NOT requested this, so I called them up to see what had happened. The first person ( of XXXX I spoke with ) insisted I had done that, until she actually took a moment to look deeper and saw that THEY had cancelled it as my payment had been returned by my bank, saying 'account closed '. I logged on to my Redcard account while we were on the phone to check and make sure my bank account was listed correctly ( I had had all of my account numbers stolen in XXXX, and had closed my bank account and opened a new XXXX ) ; it was, and was clearly selected as the default account ( box checked, and bold red font ). I then asked why they had taken the payment from the other account, and she INSISTED that the only account listed was the old, closed XXXX. I said 'I 'm looking at it right now ', yet she refused to acknowledge that there was another account. I asked to speak to someone else. I had to tell the story all over again and got the same response. I kept insisting, and finally he said, oh yes, I see the other account, but it is not your Redcard autopay account. I logged back in, checked my auto-pay screen, and saw that the default ( correct ) account was autofilled in the box for " Bank Account '', with words beneath it to the effect of 'the account number above will be used to make any payments '. I told him that, and he said that was not true, that my closed account was linked to autopay. I kept telling him what I was looking at, and he finally said ( paraphrasing ) : 'autopay is like a contract, and the contract is associated with a specific bank account, and if you change that account, you 're changing the contract, so you must cancel the existing contract and create a new contract with the new account '. I said something like WHAT ARE YOU TALKING ABOUT??? And, where does it say any of that at the website? I said again that AT THE AUTOPAY site, the correct account was in the 'pay from account ' box, yet he was adamant that that was NOT the case, and that I was wrong. I finally said, ok, I 'll just pay it, but can I get the return check fee credited since it was n't my fault, and he said, no, it was your fault. Then, I said, ok, I 'll pay all but the {$26.00} now, and he got very annoyed and rude, and I finally asked to speak to someone else. The XXXX person was the rudest. Since my payment was 12 days late as a result of this, all she wanted to do was collect my payment. I told the story again, and she kept interrupting me to ask about collecting my payment. I tried to explain about the XXXX account, and she ( like the XXXX person ) said she could n't see the account, that in fact it was n't there, and when I told her that the guy before her could see it and that we had discussed it, she said, I do n't think so, because there are no notes in the file to that affect. She kept interrupting me, saying, 'the last process was on XXXX XXXX ( or thereabouts ) and the payment was returned as the bank account was closed ', and finally every time I tried to speak she repeated that. I asked for HER supervisor, and she said nobody else was there, and I finally said I would call back the next day. I have been communicating with REDcard customer service online since then, and they are just as adamant that I was wrong, and they will not credit the fee under any circumstances. I have NEVER felt so insulted and demeaned by a group of CSRs in my entire life. I have never been made to feel so WRONG. They ( REDcard online CS ) can see my XXXX account, yet they insist that I should have done the whole close autopay and reopen, and the fact that I see the current account in the box means nothing. I keep asking how I should have known that and they had no answer for that. Not even an attempt at an answer. I can provide screenshots documenting all of this.
Company Response: Closed with monetary relief
2015-08-04
Arlington, VA
Taking out the loan or lease
Consumer Loan: Vehicle loan
Complaint: I purchased a vehicle from a dealer, XXXX XXXX in XXXX, VA, on XXXX/XXXX/XXXX ( XXXX XXXX XXXX ). I was in a rush to purchase a car after my auto ( XXXX XXXX XXXX ) was stolen outside of my apartment complex in XXXX on XXXX/XXXX/XXXX. The financing was taken care of at the dealer, and TD Finance was the lender. Two months later I realized that the rate on the loan was not very favorable so I decided to " re-finance '' with my employeer, XXXX XXXX XXXX. I entered into a contract with XXXX XXXX XXXX on XXXX/XXXX/XXXX and was told that while the rate was less, I would have to come up with {$750.00} as they would not re-finance the amount owed given their lending parameters. Doing the math, I still came out ahead so I sent in the funds to TD Bank, showed proof to XXXX XXXX XXXX, and the loan was established. Several months later, I notice I am still getting statements from TD Bank stating that I owe a balance of roughly {$980.00}. When I called TD bank to inquire, I was told that XXXX XXXX XXXX never received an authorized " payoff '' amount from them ( according to their records ) and I owe that amount plus any interest. I called XXXX XXXX XXXX and they said the got the payoff amount from TD Bank. The XXXX institutions are now pointing the finger at eachother and both are saying I need to come out of pocket with the funds.
Company Response: Closed with explanation
2015-08-04
Kiryas Joel, NY
Problems caused by my funds being low
Bank account or service: Checking account
Company Response: Closed with explanation
2015-08-03
Anchor, TX
Billing disputes
Credit card:
Company Response: Closed with monetary relief
2015-08-03
Concord, NH
Deposits and withdrawals
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2015-08-03
Manhattan, NY
Account opening, closing, or management
Bank account or service: Checking account
Company Response: Closed with explanation
2015-08-03
Ft Trumbull, CT
Deposits and withdrawals
Bank account or service: Savings account
Company Response: Closed with explanation
2015-08-03
Gloucester City, NJ
Credit decision / Underwriting
Mortgage: Home equity loan or line of credit
Complaint: In XX/XX/XXXX, we received a letter from TD Bank saying they no longer offer our existing HELOC. We 've had this loan about 9 years, originating with XXXX Bank. In speaking with a rep, XXXX, we decided to apply for theirs. We increased the LOC from $ XXXX to $ XXXX, which XXXX said would make the rate prime -.25 % and all fees to be waived. They also offered us {$500.00} upon settlement. We got a call to fax many documents, which we did on XXXX. Several weeks later we called the processor, XXXX, and was told she needed a doc that had been faxed, and we refaxed it that day, XXXX. She had the rate of XXXX on her paperwork, which is prime + .5 %. We called XXXX and she never returned our call. A week later we called and spoke with XXXX, XXXX 's boss. He contacted XXXX XXXX, XXXX 's boss, who also never called us. On XXXX, we called and finally spoke with XXXX. He assured us we had the quoted rate, and he needed another doc from our pension. He was going to call them and get back to us XXXX. He never called us with requested info, so we called the local branch manager, XXXX, who was going to get back to him. Still nothing a week later. We spoke with a XXXX or XXXX level manager and were assigned a new processor. XXXX. She needed many of the original docs again. In asking about the rate, she also quoted XXXX. The last we heard from her was XXXX when we requested the proper rate in writing and the president 's name and contact info. The next day she emailed us a number for a chairman. We called there on XXXX and still have received no call back. We 're not faxing any more paperwork without the quoted rate in writing and we told XXXX this. She was going to have her boss request the tape from XXXX when we had spoken with XXXX XXXX, to prove he agreed to the rate. We 're not sure what all is going on, but we 've been given the runaround. We 've lost sleep, many hours, and have been thoroughly aggravated by this whole thing. We have a HELOC with them, I 've lived in this house since XX/XX/XXXX, we have excellent credit, live on a small pension and soc sec. Perhaps this is elder and XXXX discrimination. It definitely has been harassment. We 've never had any paperwork nor met with anyone. This has all been done over the phone. This is the gist of it, but we will be glad to provide a chronological list of dates and people with whom we 've spoken. Our application number has been on file since XXXX. Thank you for your attention to this matter.
Company Response: Closed with non-monetary relief
2015-08-03
NC
Deposits and withdrawals
Bank account or service: Checking account
Complaint: TD Bank only has available branches in certain states. I was moving out of state for a job, went to the branch to close my account, but was persuaded to keep my account open based on their mobile deposit feature that would allow me to deposit my check and be available next business day. Now, I am several hours away from the nearest TD Bank branch, and they are holding my check for 4 days preventing deposit. The Mobile App where you deposit the check states that if deposited before XXXX it will be available same day, if deposited after XXXX it will be AVAILABLE next business day. The branch I was at is open 7 days a week and advised me that they consider non holiday weekends as business days. I gave them the flexibility that perhaps that was that specific branch, and the money would be available on Monday. It is now monday and they are telling me that that is wrong, and the money is not available, despite being told by their branch manager, and their mobile app that they money should be available. The previous mobile deposit I made was available to me next day, but only half of it, the other half was mysteriously put on hold, in which case the representative advised me he " did n't know why, but it should be available either tomorrow or the day after. '' It was eventually available to me, but they have yet to produce a reason for holding over XXXX dollars of my money in contradiction to their own written policy. I was also advised that the branch can push through the deposit and make it available to me today, but customer service can not -- again without explanation. I was told my only option was to drive several hours to the nearest branch and ask them to push through the deposit to make funding available to me.
Company Response: Closed with explanation
2015-08-02
Vernon Hill, VA
Rewards
Credit card:
Company Response: Closed with monetary relief
2015-08-02
CA
Advertising and marketing
Credit card:
Complaint: See below my emails to Target 's customer service team which describes my interaction with them via and email and phone regarding a credit card that they signed me up in the guise that it was a loyalty points/discount card as opposed to a credit card.
-- -- -- -- -- Forwarded message -- -- -- -- -- Date : XXXX XXXX 2015 at XXXXXXXXSubject : Customer Complaint - Credit Card ChargesTo : XXXXXXXXHello, I 'm a US citizen who lives in XXXX XXXX and I only come to the USA every 4 years for a visit. I was in the USA for six weeks between XXXX this year.
I shopped at Target and the cashier told me about a discount card that they offer, saying that I could get 5 % off my purchase if I used it. I decided to apply for the card right there to get the discount on the purchase that I made. This was just a few days prior to my departure from the USA on the XXXX of XXXX.
I was under the impression that the card I was applying for was the same kind of discount card that is used by XXXX and XXXX, both cards that I had previously applied for which give significant discounts on purchases.
I was not told that this was a credit card that I was applying for.
I gave my mother 's address and the prepaid cell phone number that I was using while in the USA. My mother has since left for XXXX for six months. The person staying at my mother 's place forwarded my dad the attached bill from Target for a credit card that I supposedly applied for.
When I made the purchase, I gave the cashier my XXXX XXXX XXXX credit card to make the purchase. I was not aware that the purchase was made on this new Target Credit Card.
I am willing to make the payment for this particular transaction as I did n't know that it came off the Target card and not my own credit card. However, I am not willing to pay any fees attached with this card, as I had no intention to apply for a credit card, and the cashier did not explain this at all to me. I think that it is fraudulent to have someone believe they are getting a discount card when they are actually signing for a credit card.
I spoke to a customer service agent on the phone who told me that he has the final say and that I had to pay the penalties and there is nothing more that I could do.
If you do not resolve this as requested, then I will either take it up with the consumer protection agency ( or whatever this may be called in the USA ), or if I do n't have the energy to do this, I will just not pay the amount, as I hardly ever come to the USA anyway.
The person that I spoke to is : XXXXSenior Credit Advisor - TargetHe was very unhelpful and my conversation with him was extremely frustrating.
Regards, XXXX XXXXTarget 's response : On XXXX XXXX 2015 at XXXX, Target Guest Relations & lt ; XXXXXXXXXXXX & gt ; wrote : hello XXXX, Thanks for contacting Target. I see that you have signed up for a REDcard with the understanding that it was a discount card, and not a credit card. I apologize for any frustration.
I 'm sorry, but Guest Relations is unable to assist with this issue since we do n't have access to your REDcard information. Please call the number on the back of your card and our REDcard team will be happy to assist you. If you do n't have your card, call our REDcard team at XXXX and they 'll be able to help you with your questions.
If you 'd like to manage your account online, simply visitwww.target.com/redcard to enroll or sign in to Manage My REDcard athttp : //rcam.target.com. Once enrolled, you can send the REDcard team online messages, view your billing statement and more.
Thanks for getting in touch.
Sincerely, XXXX Guest RelationsMy responseDate : XXXX XXXX 2015 at XXXXXXXXHello, It seems that you did not take note of my concern that I found the call centre extremely unhelpful, as you are referring me straight back to this channel ...
Company Response: Closed with monetary relief
2015-07-31
Billing disputes
Credit card:
Company Response: Closed with explanation
2015-07-31
Fort Pierce, FL
Deposits and withdrawals
Bank account or service: Checking account
Company Response: Closed with monetary relief
2015-07-31
ME
Credit decision / Underwriting
Mortgage: Home equity loan or line of credit
Complaint: I have applied for a HELOC loan through my primary bank ( TD Bank ) XX/XX/XXXX. I have lost faith in my bank where I have XXXX accounts, longevity and credit scores pushing XXXX! The communication has been non-existant and I do not know where to turn. Please help me!
Company Response: Closed with explanation