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 50
2019-04-22
Lewisville, TX
Communication tactics
Debt collection: Credit card debt
Used obscene, profane, or other abusive language
Complaint: Date of calls : XX/XX/XXXX Time of call 1 : XXXX CST ( inbound call from XXXX to XXXX ) Duration of call 1 : 1 minute Call 1 description : I, XXXX XXXX , received a call from female who claimed to be from an attorney 's office representing XXXX. Asked if I was XXXX XXXX, which I responded with by asking what the purpose of the call. The female did not disclose they were trying to collect a debt and said they have to verify my identify prior to providing any information other than the fact they represent XXXX. I acknowledged that my name is XXXX XXXX, which she then started asking for my personal identifying information, home address and date of birth. I provided my address, due to it being public record and nothing else. I refused to provide my date of birth due to possible fraud and she then stated since I am refusing to cooperate and verify my identity, she would " notate the account as a refusal ''. At this point, she disclosed the existence of an account that I had with XXXX without verifying my identity, which is violating my rights as a citizen to not disclose that an account exists. She stated she was only trying to help me, but what occurred next contradicted this.
She disconnected the call abruptly, which is aggressive and harassment. After all, she called to get something from me and then threatened me with the fact she is working for a law firm representing XXXX without providing any other info I immediately called back.
Call 2 time : XXXX CST ( outbound call from me to XXXX ) Call Duration : 18 minutes I spoke with an individual and asked to speak with a supervisor.
The supervisor, XXXX XXXX - extension XXXX immediately said he listened to the call and his representative didn't do anything wrong. I advised him that I understand my rights and this is harassment citing possible violations of UDAAP and FDCPA.
I asked who the representative was and XXXX provided XXXX XXXX extension XXXX. I confirmed the name of the law office they represented, which was XXXX and XXXX and the address of XXXX XXXX XXXX XXXX NY.
XXXX asked for me to authenticate who I was so he could discuss the reason for the call, so I provided my name and even my last 4 of my SSN. XXXX still refused to discuss anything with me because I wouldn't provide ALL of my personal identifying information. I advised him that I would be filing a formal complaint with the regulator who enforces the laws he is violating.
Phase 2 - Calls to XXXX to figure out what is going on Date of calls : XX/XX/XXXX Time of Call 3 : XXXX ( outbound to XXXX customer service XXXX ) Call duration : 13 minutes Call 3 details : I called XXXX immediately to figure out why a law office is calling me and harassing me. Since I have an account with them, I verified my identity, Name, Address, SSN. The representative advised I was past due and need to make a payment. I told her I would take care of it, but have been going through a divorce and not living at my home or received calls or mail. She understood and I then explained that I need to file a complaint regarding the law office representing them, which she told me " we receive a lot of complaints about them '', and that she " just had a complaint regarding them just a few days ago. '' I explained the situation and the rep stated she would be opening up a case. She placed me on hold, which eventually disconnected.
Time of Call 4 : XXXX ( outbound to XXXX customer service XXXX ) Call 4 duration : 13 minutes Call 4 details : I tried to speak with someone regarding my complaint and why I was just hung up on by the previous representative and the XXXX representative hung up on me.
I have not received a call back from either XXXX and XXXX or XXXX regarding my complaint. This is a clear violation of the protections the CFPB enforces for the citizens of the United States of America.
Company Response: Closed with non-monetary relief
2019-04-22
Cheverly, MD
Managing an account
Checking or savings account: Checking account
Cashing a check
Complaint: on XX/XX/2019 I send it a check to XXXX XXXX XXXX from my financial institution td bank and days later XXXX XXXX XXXX tall me that they do not have the check and when to my td bank and they said that XXXX XXXX cashed the check and print out a copy of the canceled check.
then we file out an affidavit on XX/XX/2019 but a this time l 'm looking to have a solution from my bank because they had to know who cashed and reimburse or credit to me.
l when to td bank today and the manager was very angry saying that he doesn't know it make take six months to have an answer, and l ask to have the amount of money credited to my account and he said there is not provisional credit which I think it is unfair
Company Response: Closed with explanation
2019-04-19
Bensenville, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with non-monetary relief
2019-04-19
Far Rockaway, NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-04-19
Grand Prairie, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with non-monetary relief
2019-04-19
Simpsonville, SC
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
Company Response: Closed with explanation
2019-04-19
Bellaire, TX
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was paid
Complaint: I no longer have possession of the XXXX XXXX XXXX XXXX. The vehicle was sold for XXXX in which the car is worth & the XXXX also was credited {$2300.00}. Since XXXX they have been reporting on my credit as if its an open loan and past due. The sent me a letter out of retaliation for filing a complaint using threatening language to continue to harass me. They are now claiming I owe {$17000.00}.
Company Response: Closed with explanation
2019-04-19
Halyoke, MA
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Complaint: The collection agency XXXX XXXX has contacted me regarding a debt. I spoke with XXXX XXXX, and made a monthly payment arrangement to pay the debt in full. He refused to administer the payments on the date I informed him was necessary. The date of the draft is specific because my husband is a XXXX XXXX veteran who is receiving Veteran 's Affairs XXXX Compensation, this limits our budget severely. The payments would not go through until the first of the month and they continued to draft them on the last day of the month resulting in a missed payment. They were unwilling to negotiate a better solution. XXXX XXXX then threatened legal action to scare us into payment. There were multiple occasions that after the payment would fair on the last day of the month he would call my place of employment multiple times and notify them of my debt. Then recently on XX/XX/2019 he contacted my mother directly on a phone line that is unlisted to notify her of my debt and obligation to pay. He has been harassing and unprofessional.
Company Response: Closed with explanation
2019-04-19
Blackbird, DE
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: In XX/XX/XXXX I filed the same complaint, and you guys had it resolved less then a week. I've been told by TD Bank that my payments dating back to XX/XX/XXXX were being applied to principal and not interest while charging me for late fees, making it impossible for me to ever catch up on my payments when the whole thing is their fault AGAIN!. I contacted XXXX XXXX XXXX who told me in XX/XX/XXXX that he would handle this personally if I had any problems moving forward. So he tells me he no longer has my account and assigned me to a XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX while I'm working with XXXX XXXX at the local branch who then gave me XXXX XXXX contact information at my request, are you following me so far? - They are giving me the run around. I have also attached some important supporting documents. I was so stressed last time I ended up going to the hospital only to find out I had XXXX XXXX XXXX and XXXX.
Company Response: Closed with non-monetary relief
2019-04-18
Dundee, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-04-18
Orange, MA
Advertising and marketing, including promotional offers
Credit card or prepaid card: Store credit card
Confusing or misleading advertising about the credit card
Company Response: Closed with non-monetary relief
2019-04-18
Brighton, UT
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-04-18
E Fairfield, VT
Managing an account
Checking or savings account: Checking account
Fee problem
Company Response: Closed with monetary relief
2019-04-18
Brooklyn, NY
Managing an account
Checking or savings account: Savings account
Funds not handled or disbursed as instructed
Company Response: Closed with monetary relief
2019-04-18
Riverview, FL
Closing an account
Checking or savings account: Checking account
Can't close your account
Company Response: Closed with explanation
2019-04-18
Astoria, NY
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Company Response: Closed with explanation
2019-04-18
CT
Confusing or missing disclosures
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Card Services XXXX . XXXX XXXX XXXX, MN XXXX To who may concern : Re : On XX/XX/XXXX, I purchased the following product or service : XXXX XXXX credit card took money for services non authorized and refuse to reverse those chargers when auto pay should only have been used for transfer money when payments are not made what so ever all the payments were done in a fashion matter ( also from XXXX institution ).
I am dissatisfied with the bank with bank errors that should have happen to begin with and the lack of effort to reverse those non authorized payment, Asking to please fix the issue and send back to funds to the issuing back when the payment was made in full already.
I would like to have that money reversed back to my banks account as per agreement I was told autopaymet should only be apply if not payment is made.
I have enclosed copies of my records related to this situation.
I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone a XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX via fax XXXX XXXX credit card
Company Response: Closed with explanation
2019-04-18
FL
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: My checking account with TD Bank in XXXX XXXX, FL had a fraud withdraw with a branch in XXXX, NY. They issued a {$1300.00} withdraw with a fake " out of state '' drivers license without asking for a second ID. I reported the incident in less than 48 hours when reviewing my account online. We sent a signed fraud application and police report ( claim number ) from the local branch to the TD Bank fraud department and was informed the process would take 10 business days. I called the TD Bank fraud department today, 12 business days later for an update and they could not provide any updated information nor the assigned investigator for this claim.
Company Response: Closed with monetary relief
2019-04-18
Saint Augustine, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with non-monetary relief
2019-04-17
Margate, FL
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-04-17
Lewiston, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-04-17
Philadelphia, PA
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I was supposed to have only one overdraft fee and now I had six overdraft fees for when i only took out {$300.00}!!!
Company Response: Closed with explanation
2019-04-17
Key Biscayne, FL
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: I've been in the process from closing on a refinance with XXXX XXXX XXXX. Part of the refi includes paying off my TD HELOC ( account # XXXX ). XXXX XXXX XXXX and I have made several attempts to obtain a pay-off from TD Bank and TD Bank has refused to send me or XXXX XXXX XXXX the pay-off. As a result, I've been unable to close on my mortgage refi with XXXX XXXX XXXX. I stressed the importance of this when I spoke to TD Bank on XX/XX/2019 and was told a pay-off would be faxed to me at XXXX.
This is the second compliant I have had to file concerning TD Bank. I feel that they are deliberately making it difficult for me to pay-off my HELOC and close on my mortage with XXXX XXXX XXXX. My previous CFPB complaint also resulted from general payment issues to TD Bank. XXXX was the last person I spoke at TD Bank Mortgage Servicing ( at XXXX am on XX/XX/2019 ) who again gave me the run-around saying a " request '' needs to be submitted to the " Pay-off '' department in order to obtain the pay-off. This was the SAME story given to me on Monday, XX/XX/XXXX and the fax was never received.
Company Response: Closed with explanation
2019-04-16
Orlando, FL
Struggling to pay your loan
Vehicle loan or lease: Lease
Lender trying to repossess or disable the vehicle
Company Response: Closed with non-monetary relief
2019-04-16
NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: This is a follow up to CFPB complaint XXXX credit card account ending in XXXX from XX/XX/2018.
A letter from TD Bank was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that TD Bank did not report accurately to the 3 bureaus on my behalf.
I also have a letter from XXXX XXXX dated XX/XX/2018 stating that this debt was paid.
Upon checking my credit reports in preparation to purchase a home, I find that TD Bank is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report since XXXX of 2018.
This is seriously hurting my credit scores and my ability to get any type of loans.
This is fraudulent activity by TD Bank and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from TD Bank.
Company Response: Closed with non-monetary relief