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 49
2019-04-25
Edison, NJ
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 monetary relief
2019-04-25
Lexington, MA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation
2019-04-25
NY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: The issue is this : My husband purchased a house in XXXX, the current occupants will be buying this home when they are able. In the meantime they are paying us to cover the mortgage payment.
1. My husband opened a checking account in the same bank as the individuals that will be buying the house, TD Bank. He also decided to have his retirement money sent ACH once a month to the account to keep it open per their bank rules.
2. The problem arose in the last two months with TD Bank, meaning I have the occupants of the house write me a check so I can pay the mortgage. Normally I deposit the check in my account which is in another bank. I decided since they were late with the payment to directly deposit the check into the same bank as it was written upon.
3. Unfortunately the check had to be rewritten four times, because one of the occupants went on a XXXX leave from his job and is getting his basic salary erratically. This was explained to me when I told them of the problem I was having with the checks coming back, stating insufficient funds and I am paying the fees. I told them I couldn't take another check unless I knew the money was in the account. They issued me another check whereas I knew the funds were available.
4. Since the reissuing of the same check several times, it came time to cover the current payment. The check was issued with funds being available in the occupants ' account since the TD Bank recording stated there was ACH deposit. Based on that information I deposited that check in my husbands account on XX/XX/XXXX in TD Bank.
5. On XX/XX/XXXX I tried logging in my husbands account to see what the balance was only to find I was not able to, it directed me to a customer service person. My husband gave permission for them to speak with me to explain what was going on. This is what I was told ; because of a negative balance I was not able to access the account, and once I paid the negative amount I would be able to access the account. Since I could not access the account, I asked what had happened and to give me a break down of what the amount is and for what.. The customer service person told me the negative balance was {$350.00}, I proceeded to ask for a more detailed break down so I knew what I was dealing with. I was told that the account was charged {$35.00} for insufficient funds and {$15.00} for a returned check plus several other items that she did not give me. My understanding is ; when a check is issued to you the presumption is that it is your money to spend how you wish, especially when I heard from the TD Bank recording that the funds were ACH deposited. into the account that the money was drawn upon. I asked the customer service to give me an explanation since I knew the money was in the account and what in the world happened. I told her why were we being punished and charged twice for the same situation. that we did not create.. I asked how does this get resolved since I can not get into the account, and she explained that I needed to pay the negative balance first. I went into the bank today with a new check which I knew the money was in that account and asked them to deposit it into my husbands account as cash. I was told they couldn't do it because the computer would not allow it. I asked them to cash out the check because it was written in my name, which they did.
6. This sounds to me that TD Bank closed out my husbands account unfairly based on someone else actions and he is paying the price. Does not sound legal. We were wronged in this matter by TD Bank and they should be held accountable. The correct manner is ; the negative amount to be paid by us, and we will close out the account, not TD Bank. Furthermore if they issue any derogatory remarks against my husbands name, we will take the necessary legal steps to correct this matter and we will put a monetary figure on the complaint issued against TD Bank for their unethical practice.
Company Response: Closed with explanation
2019-04-25
Oxford, GA
Opening an account
Checking or savings account: Checking account
Account opened as a result of fraud
Complaint: I was denied a banking, The bank said it was due to my XXXX XXXX Report ... I requested the XXXX REPORT AND FOUND 3 different bank accounts open with balances and Judgments that were not mine due to Identity Theft. I want this removed from my XXXX Report it is causing me financial issues. I've placed a fraud alert on my credit report, and contacted the FTC.Gov. Please Remove this information immediately and send results to the address on this report I will be giving. ASAP. Thanks
Company Response: Closed with explanation
2019-04-25
Wallington, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: i had XXXX accounts with TD Bank. On XXXX credit report they show as XXXX ( Home equity loan ) XXXX ( Revolving line of credit ) XXXX ( Revolving line of credit ) i have disputed these with XXXX no less than 3 times. Each time the results come back " The information you disputed has been verified as accurate. '' I have tried resolving with with TD Bank to no avail. The account was apparently xferred to another branch and they are unwilling or unable to view much less provide me with statements.
XXXX was paid in XX/XX/2016, it was not late, and it certainly was not included in any bankruptcy ( who includes a XXXX balance loan in bankruptcy?? ). I have given both TD and XXXX copies of XXXX showing account paid - this is ignored.
XXXX if the idiots would pull copies of my checking account they would see payments being made each and every month yet they show this as going into 30 day in XX/XX/2016 and into collections in XXXX XXXX look at checking account ending in XXXX!
XXXX same as XXXX
Company Response: Closed with explanation
2019-04-25
Gloucester City, NJ
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: I would like to look in to how to pursue an investigation into my institution on TD BANK N.A. of banking fraud. The reason for this is this institution has altered its transactions posting times to make returns and collect returned transaction fees. In my TD Bank Convenience account at this banking institution, I had a transaction that went through and cleared Monday XX/XX/2019, in the morning. This transaction was processed and was covered by overdraft protection and visibly showed in the posted transaction section of my online statement. I even waited until Wednesday to make sure all funds had cleared and had been paid to the recipient. I later double-check my online statement showing on XX/XX/2019 it had been cleared for 2 days. The reason I know this is I wrote a letter to the recipient that yes it was covered in the morning. Checking back on my account later that same day [ Wed. ] and my online account statement now stated it was summited on Tuesday, XX/XX/XXXX and returned. In fact it was 2 business days and post-dated by the institution creating a return with return and overdraft fees.
Company Response: Closed with explanation
2019-04-24
Miami, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-04-24
Brooklyn, NY
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Closed with explanation
2019-04-24
Newark, NJ
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Closed with explanation
2019-04-24
Queen Anne, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-04-24
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Closed with non-monetary relief
2019-04-24
New York, NY
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Company Response: Closed with explanation
2019-04-24
Brentwood, PA
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with monetary relief
2019-04-24
Nyc, NY
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: I found that in have a few credit inquiries on my credit report which I did not authorize. I called the companies to remove them but no one ever got back to me.
XXXX 1. XXXX -Inquiry XX/XX/XXXX 2. XXXX XXXX - Inquiry XX/XX/XXXX XXXX 1.XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX - XX/XX/XXXX 3.XXXX - XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.TD Retail Card Service XX/XX/XXXX
Company Response: Closed with non-monetary relief
2019-04-24
Allenwood, NJ
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: I alerted TD Bank to two potential fraudulent checks being cashed from my account in XX/XX/XXXXXXXXThey instructed me to come into the branch the branch and close the account and open a new one, which I did. I asked what measures can be taken to prevent this from happening. They stated nothing On XX/XX/2019 two fraudulent checks upwards of {$13000.00} dollars were cashed from my account. The same amount in which the first potential fraudulent activity was reported. The check was fabricated and the signature was electronically manufactured, and did not resemble my signature in any way. I was once again instructed to close the account, which I did. I filled out an affidavit of fraud inside a branch. They instructed me that there was no further action I could take, and that it may take 6 months for the case to reach global security and be assigned an investigator, in which afterward my funds may be returned to me. Two week later and The branch did not send my affidavit of fraud to the the td fraud department, it has not been filed with global security of placed on a list for an investigator to be assigned, After numerous phone calls and branch visits, as well as after filing a police report.
No one at customer service, fraud or within the branch showed any concern with the matter, and refused to give me a copy of the affidavit or details regarding how and where the checks were cashed.
They were clearly negligent in allowing blatant fraud and refuse to reimburse or guide me through the fraud process.
Company Response: Closed with explanation
2019-04-24
N Haven, CT
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I had opened an account with TD Bank ( account # XXXX ) as a way of teaching my XXXX XXXX XXXX daughter about banking. All of her chore money went into this account and, if she decided she wanted to make a purchase, I would either write a check or use the debit card. I thought it was important for her to learn the value of a banking relationship and the importance of safeguarding her funds by using a bank. Unfortunately, this experience has only taught her that banks are not to be trusted and that her money is better kept under the mattress than with a banking institution. Due to a medical issue, I am catching up on mail communication and I notice that TD has halved the balance in my daughter 's account due to a {$15.00} " Maintenance Fee '' along with a {$1.00} " Paper Statement Fee. '' Aside from never having received any disclosure regarding these fees at account opening, there is very little activity on this account. My daughter 's transaction are few ( she's XXXX and doesn't deposit or withdraw much ). In addition, all of my other accounts are managed online so, had I been advised of a paper statement fee, I would have gladly signed up for online access. It seems as if TD is looking to completely deplete all the funds my daughter worked so hard for with their fees. I suspect that, when this happens, they will continue to add fees until the account goes negative at which time they will likely send me a bill. Unacceptable. Customer service at the bank is horrible and only corroborates that said fees are " valid '' despite my not being made aware of them when the account was opened.
I am fully prepared to contact the local media. I'm sure the residents of the State of CT ( and perhaps, elsewhere ) would love to hear that TD Bank took every cent of a XXXX XXXX XXXX girl 's money. Money which she, by the way, worked for by helping neighbors shovel snow, rake leaves, etc. This is unconscionable.
Company Response: Closed with monetary relief
2019-04-23
Newark, NJ
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Closed with explanation
2019-04-23
Rochdale, NY
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: Purchases from XXXX to current charges was made in ny bank account. On XX/XX/XXXX filed a police report XXXX XXXX for identity theft and fraud. I then filed a report with my bank. The bank told me that they gave me forms when o open the account, that s was about safe guarding you info. I never received such a form. They also say it was no misprint for my pin and their was no mismatch in information. Which is why they decline my claim. I did not make any of those purchases. And it was not my fault my information was stolen in a XXXX. I would like the outcome that I get my money back. I am in the verge of being homeless with my children and we really need that money. So if I have you I ready to take this complaint to the end. I have nothing left to lose I m about to be in the street with my kids I need my money back. I spoke with the vendor they said they reported it as fraud they didnt charge me but than the money not in my account. This is so horrible that someone can act and try to look like you go around pretending to be you. And use your information and the first thing someone at the bank said to you is well it was no errors in your information. Well o would think so if they stole all of my information.
Please resolved this
Company Response: Closed with explanation
2019-04-23
NJ
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: On XX/XX/2019 my accounts were frozen and the debit card was closed for my business accounts ( this was how I learned of the hold, no other contact attempts were made ).
Immediately following I was told over the phone to go into a branch so they could call and release the hold on both this and my personal account.
I did so, and was told the hold could not be released. The representative asked me for an invoice for the most recent transactions to the account. This was provided immediately. I was the given a timeline by the branch representative of 1-2 days for release.
On Friday, the XXXX, I was asked to send in copies of my ID. Again, I did so immediately. This time the branch rep told me to keep calling in to check if the account was unfrozen, which I did to no avail.
Throughout this time I continually asked the investigator assigned to the account to provide reason for the freeze and a timeline of expected release. This was not provided and I was refused a direct answer continually.
The following week, I visited a branch every day as the investigator XXXX XXXX was refusing to answer my attorneys phone calls.
Many different branch reps had no idea what was going on with regards to this hold.
During this period, my attorney and I continually asked for a timeline and reason for hold. Finally, on Thursday the XXXX, we were finally told that the reason was two wire transfers that had cleared 2 weeks previously for XXXX and XXXX. These were both partial payments on the invoice already provided ( which was between a company I owned and my own consulting company ).
Following this, we gave Ms.XXXX all documents relating to the source of those funds from the promissory note for the loan for the payee company to the internal wire transfer confirmations for the sending of the funds to my business account at TD Bank.
We then continued to ask for a timeline as all documents they had requested had been provided over a week back. Alternatively we offered her to liquidate the account immediately, she did not respond to this direct request, which is a violation of FDIC regulations.
No timeline has ever been given and Ms. XXXX XXXX has refused every phone call from myself and my attorney.
She is the cause of my employees not being paid and us not being able to attend a conference. No reasonable reason has been given for the extended hold and TD Bank refuses to do anything else in the meantime.
Company Response: Closed with explanation
2019-04-23
Jacksonville, FL
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Complaint: I typically make my monthly payment via my online account using my routing number and my member number.
I made a payment in XXXX using the IVR phone system as my laptop was not working and was being repaired therefore I was not able to make my payment online. When making the payment I used the same routing number and member number to make the payment as I did when paying online.
The payment was returned stating account not found therefore causing a 30 day late pay to be reported to my credit causing my score to drop by 70 points. I was notified of the late pay not by Target but by an alert received from the credit reporting agency as Target did not contact me to inform me of the missed payment. When I contacted Target they state the collection department made several calls ; however I have searched my phone records and voicemails and have no calls or voicemails.
When speaking with Target to figure out why the payment did not clear using the information that I have always used to make a payment they stated that an IVR is ran as an ACH. My issue is that Target is assuming that their customers should know that when paying online its acceptable to use their banking member number and that when paying via their phone system that the bank MAY return the payment if using their member number versus the full XXXX digit account number. If there is a possibility of a payment being returned which could cause a customers credit to be affected then their should be CLEAR communication on both their website and their IVR system stating that the XXXX digit checking number must be used.
Additional concerns are those of Targets Customer Service agents. I was hung up on multiple times, told multiple different things by different agents and overall given a horrible customer experience as their agents are not polite.
Company Response: Closed with explanation
2019-04-23
Ft Wayne, IN
Other transaction problem
Money transfer, virtual currency, or money service: International money transfer
Complaint: On XX/XX/2019 I spoke with XXXX XXXX at TD Bank ( XXXX ) XXXX to obtain international wire transfer information. He was confused and didn't remember how to spell his name. Hours later, after properly identifying myself, Mr. XXXX thought that he should refer me, by way of email, to folks at the bank that can not be contacted. I then spoke with the branch manager in XXXX NH ; Mr. XXXX XXXX ( XXXX ) XXXX. Mr. XXXX provided the information for the wire transfer. The wire transfer was initiated on XX/XX/2019. The wire was rejected by TD Bank on XX/XX/2019. The bank claims that the information that they provided was incorrect. The sender refuses to resend the funds because TD bank has not provided a refund. TD Bank claims that they are not in possession of the funds. I have not received the funds.
Company Response: Closed with explanation
2019-04-23
Hon, HI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have a credit card with NORDSTROM/TD BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NORDSTROM/TD BANK USA and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and NORDSTROM/TD BANK USA with no successful resolution. XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Company Response: Closed with explanation
2019-04-22
Royal Palm Beach, FL
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-04-22
Spencer, MA
Problem with a credit reporting company's investigation into an existing problem
Vehicle loan or lease: Loan
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with non-monetary relief
2019-04-22
Billerica, MA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation