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 32
2019-07-20
San Jacinto, CA
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: Tried to resolve debt 1 year ago with a lump sum payment which They didn't want to do. So we had been receiving this letters in mail with someone else 's its name. By law your not suppose to open mail that's not yours. My credit scores have been hammered this whole time and haven't received a single correspondence with my name on it..
Company Response: Closed with explanation
2019-07-20
Echelon, NJ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Company Response: Closed with non-monetary relief
2019-07-19
Phila, PA
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with monetary relief
2019-07-19
Anaheim, CA
Incorrect information on your report
Credit card or prepaid card: Store credit card
Information is missing that should be on the report
Company Response: Closed with explanation
2019-07-19
E Massapequa, NY
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
2019-07-19
Brooklyn, NY
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Collected or attempted to collect exempt funds
Company Response: Closed with explanation
2019-07-19
Wilmington, DE
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2019-07-19
West Newfield, ME
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Company Response: Closed with explanation
2019-07-18
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-07-17
S Salt Lake, UT
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Card was charged for something you did not purchase with the card
Company Response: Closed with explanation
2019-07-17
Wallington, NJ
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Complaint: I am enrolled in overdraft services. I realize that I agreed to pay the fees involved. However, it seems to me that the fees I have paid over last 6+ months are not justified and in my opinion disgusting because they are taking advantage of my weakness and making my problem worse. The total overdraft fees since XXXX 2019 is {$4300.00}. In past years it was similar experience and I would complain sometimes and get a refund - usually a small fraction of what I paid in fees. Lately, I contacted my local manager XXXX by phone than via email on XX/XX/2019 - XXXX XXXX XXXX store manager at the XXXX, NJ TD Bank - and have been all but ignored and I really can not afford their fees. I tried emailing again on XX/XX/XXXX and XXXX without response.
Often, the fees are what cause my account to be overdrawn and then more fees are taken whenever something goes thru. For example, right now my account balance is - {$1100.00} and the fees I have paid in the 2 weeks between XX/XX/XXXX and XX/XX/XXXX totalled {$630.00}.
Also, if I go to ATM, often the bank will not authorize one large withdrawl. I will be forced to do 2 transactions which cause more fees.
Company Response: Closed with monetary relief
2019-07-17
Jersey City, NJ
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Complaint: I'm always having issues with this bank. I called telling them a charge I received an overdraft from XXXX XXXX was invalid. I went to XXXX XXXX on XX/XX/XXXX. They said that it happened on Monday, XX/XX/XXXX which was wrong. I did not go to XXXX XXXX on XX/XX/XXXX. They said the time stamp was XXXX on Monday. I work in New York, how can I be at XXXX XXXX as XXXX! I get out early on Fridays and I went to the XXXX XXXX in XXXX XXXX at XXXX. I can get a copy of work hours to show proof of the time that I was there.
Company Response: Closed with monetary relief
2019-07-17
Northside, NC
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: This goes back to my previous complaint ( ID : XXXX ). After reviewing company 's response letter, I tried to call the phone number of that contact person but it always goes directly to voicemail. Besides, there has been no update regarding return my initial opening balance {$1000.00} back to me. Just to re-quote my previous description " I opened my account with TD through an online promotion webpage on XX/XX/XXXX and put a direct deposit from my XXXX bank account of amount {$1000.00}. The debit order went through my XXXX bank account and was transferred to TD account. However, since XX/XX/XXXX, I can not have access to TD online banking and was told there was some issue with my new account that I need to visit branch in person. But the closest branch is 3 hours drive and then I asked them to give back my {$1000.00} money. They refused and said I can not get my money back without visiting in person. ''
Company Response: Closed with non-monetary relief
2019-07-17
Queens, NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I transfer some balance to my credit card and even though I paid off the balance off, they kept charging me balance transfer fees. Besides this, I disputed some charges back in XX/XX/2019, they asked me for police reports and extra paperwork. Two months ago I contacted TD bank to inquire about the dispute, they asked me for some more paperwork, I called today t inquire again, they said my time to dispute these charges is over!
Company Response: Closed with explanation
2019-07-17
VA
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Complaint: I have 2 accounts with TD Bank. One is in the negative which I was going to fix on theXX/XX/XXXX. Instead,. they have taken all the money out of my one account down to {$000.00} to cover the negative on the other account. They should not be allowed to do this because now I may have negative charges. If they are doing this to me, they are doing this to other people. They have no right to take positive cash out of my account.
Company Response: Closed with explanation
2019-07-17
Arvada, CO
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: Target, XXXX XXXX. Target has sent many notices and phone calls. Have threatened me with a law suit. Have an attorney ( XXXX XXXX ). Want the threats stopped and notices stopped. XXXX is worse. 10-20 calls a day. 5-10 calls to my cell. Several notices a week. Again I have an attorney. XXXX XXXX.
Company Response: Closed with non-monetary relief
2019-07-17
Trenton, NJ
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: On XX/XX/19, I e-signed an Intent to Proceed notice with TD Bank for a mortgage loan. The closing date for this transaction was scheduled for XX/XX/19. My attempts to communicate with the loan officer and loan processor since signing the Intent to Proceed have been largely unsuccessful resulting in missed deadlines and a failure to meet the original closing date. Between XX/XX/19 and XX/XX/19, I sent 6 emails to my loan officer and/or loan processor and not a single one was replied to. Over the same approximate 1-month period, I left 11 voicemail phone messages ( no phone calls were ever answered immediately ). Only three of my calls were returned. I received a conditional approval on XX/XX/19 from the lender. I submitted the required documentation to the best of my ability with minimal to no guidance provided by the lender. Due to lender 's failure to respond to my attempted outreach, at no time was I aware if the submitted documentation would be acceptable.
The conditional loan approval correctly stated the closing date XX/XX/19. An initial closing disclosure is required by XX/XX/19 in order to close by XX/XX/19. TD Bank did not meet the XX/XX/19 deadline for the closing disclosure. I was informed via email onXX/XX/19( the first email response I received since XX/XX/19 ) that the lender has not performed an employment verification. I was informed by TD Bank that a written verification request was sent to my employer on XX/XX/19, the day the closing disclosure was due. During one of the few successful phone calls on XX/XX/19, I asked the loan processor if any documentation was needed for employment verification. I was informed TD Bank would independently obtain the verification. As of XX/XX/19, to my knowledge the only item which is required to complete underwriting is the written employment verification. However, I can not confirm this is the only requirement for underwriting due to the lack of communication. As of the filing of this complaint, I have not received the completed appraisal, the initial closing disclosure, or even a proposed revised closing date.
TD Bank has failed to display any good-faith efforts indicating that they attempted to close this loan on-time. Outreaches to the TD Bank loan officer and processor have been almost nonexistent. Outreach to TD Banks customer service line has been successful, however, the amount of assistance they can provide me in limited to what is recorded in the system by the loan officer or processor. As a result of the failure to meet the disclosure deadlines and closing date, I now face potential consequences of monetary damages and a cancellation of sale through no fault of my own.
Company Response: Closed with explanation
2019-07-17
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Company Response: Closed with explanation
2019-07-17
Hamilton Grange, NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Company Response: Closed with explanation
2019-07-17
Cape Coral, FL
Advertising and marketing, including promotional offers
Credit card or prepaid card: Store credit card
Didn't receive advertised or promotional terms
Company Response: Closed with explanation
2019-07-16
Mcdonough, GA
Improper use of your report
Vehicle loan or lease: Loan
Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation
2019-07-16
Boston, MA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have asked for a paper copy of our escrow analysis through tdbank. I was told it would be mailed as I can not access the information online to see how our overage was calculated for that year. It was never mailed to me. I was told 3-5 business days. I called back a couple months later ( today ) and they told me it was mailed on XX/XX/XXXX. I asked if they could send me proof of this they said no but they would mail it again. I also asked if I could access this information online, I was told they could not email it and it is not available through their online banking platform. I would like information on my own money that is being held in their account and they make interest off of by precollecting it. I believe this information is being withheld. XXXX who I spoke to said she would mail it again. I asked to speak to a supervisor and was on hold for an hour and never spoke to anyone. I just want the information I am requesting. I am getting their paper statements for my mortgage bill each month in the mail and confirmed the correct mailing address. I believe this information is being withheld so the bank can collect a little extra interest in my escrow account each year. I would like help in getting the information on paper and in writing.
Company Response: Closed with explanation
2019-07-16
MA
Unexpected or other fees
Credit card or prepaid card: General-purpose prepaid card
Complaint: I have done complaints about the fraud and financial deceit done by TD Bank here. In response to the most recant response by TD Bank I would say the following. They try to convolute and direct attention from the simple and unavoidable reality that they ( TD Bank ) fraudulently try to maximize fees and overdraft expenses with customers through the following methods. These methods are clear when you read between the lines and the diversionary information given by TD Bank in last response or namely.
1. TD Bank still has not denied what they previously said which is that they ( TD ) process larger transactions first before processing smaller ones. This is a clear policy designed to maximize small transaction overdrafts that are more multiple. By design they try and maximize.
2. TD Bank said that they give balances and pending information the following day. This simple and clearly says that at all times when someone either calls TD Bank, checks online or through other means the balance is likely to not be accurate. No distinction between balance, pending, and processing or basically no way to determine if costly overdraft would be used by consumer.
3. TD Bank intentionally and with though charges annual fees and even withhold temporarily monthly interest payments during times wherein several large transactions are pending and possibly large overdraft fees.
The above is observation from investigating and talking to many other customers that are considering a class action lawsuit against TD Bank.
As for me now, I did a fraud dispute for over {$2000.00} in fraud card transactions that TD Basnk never addressed but lied and said they did in 2014 and TD Bank most recently received a letter I mailed to them with tracking to their fraud department and it arrived over a week ago and several days before TD Banks most recant response and they don't report it. I want answers there on the fraud transaction and recant submission I did with TD Bank.
Company Response: Closed with explanation
2019-07-16
Lakewood Village, TX
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 explanation
2019-07-16
Boca Raton, FL
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Closed with explanation