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 51
2019-04-16
Las Vegas, NV
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Company Response: Closed with explanation
2019-04-15
Bear, DE
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-04-15
Myrtle Beach, SC
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation
2019-04-15
Grosse Ile, MI
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
2019-04-15
FL
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: I was a victim of fraud with a check being cashed by someone other than the recipient. I mailed out a bill pay check through TD Bank which is a typed check mailed out directly from the bank to the recipient. This was a check made out to XXXX XXXX as it was an alimony check. It was cashed by someone whom was not XXXX XXXX and the actual signature on the back of the check is not even signed as XXXX XXXX. This check was cashed by TD Bank and fees pulled out of my account which also caused my account to go into arears thus I incurred added fees. Once I noticed this online I called the bank and was basically told tough luck you need to go to a local branch. Being I live most of the time in the XXXX XXXX XXXX said I can not do this since there is no branch here in which I was more or less told tough luck. Upon returning to the USA I went to my local branch and filed an affidavit of fraud with the bank. Since then I have called numerous times and been to my local branch with the very nice people that work there trying to get answers. I have been given a different story every time I call on the phone depending on whom I talk to from its going to be in my account to it could take up to 6 months for us to make a decision. I do not see what there is to investigate considering its more than obvious the check was cashed and signed by a different person with a different name. I have since filed a police report on XX/XX/19 with the XXXX XXXX XXXX office. This morning TD Bank called to ask about a check I wrote off my new account which they seem to do with every check now to make sure its valid and I asked the gentleman about the status on my case and he responded saying it was closed as of yesterday and I had to call the other division in the Fraud department to get the particulars. I did that and basically was told the fraud department didnt have any info for me over the phone and I needed to go to a local branch. After being persistent and explaining I will be leaving again to go abroad and can not be told this I was connected and a young lady gave me a different answer than I was given in the morning. I feel at this point TD Bank has stolen my money and really does not care. I will be going back to the XXXX where I have a family this week and it will be for a few months and will not be able to play the go to the local branch game. Any help will be so much appreciated in this matter.
Company Response: Closed with monetary relief
2019-04-15
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Complaint: For almost 5 months now, I have put a lot of action on my part to get this matter out to the bank, TD Bank in XXXX XXXX - numerous emails inside my online business account, calling the general TD phone number of the branch, calling specific numbers, leaving voicemail messages and emailing using the email address connected to the business account. I have told them I want my account closed and a cashier 's check for the remaining balance of {$10000.00} be issued either to my business or to me personally.
There are 2 staff I have been dealing with regarding this : 1. XXXX XXXX - phone number XXXX XXXX XXXX 2. XXXX XXXX, VP and branch manager - phone number XXXX XXXX XXXX , TD Bank , XXXX XXXX XXXX , XXXX XXXX, NY XXXX One particular instance showing the bank or XXXX XXXX does not care. This was after many voicemails I left on XXXX XXXX XXXX phone. On XX/XX/2019, Friday, XXXX XXXX XXXX, I called her twice and she finally answered my call. She told me that on XX/XX/2019, Monday, if she did not call me back, I could follow up with her and she would deal with my account. I gave her more time and I called on Monday at XXXX : XXXX XXXX. When I spoke with her, she said she wanted me to call her back in one hour. I gave two hours and called her back at XXXX XXXX XXXX. Again. she said to call her back and I called at XXXX : XXXX XXXX but it went to her voicemail ( all showing in my call log ). It is almost one month now and I have not received any callback from her.
I am putting this in your hand CFPB in the hope that someone in that bank makes sense and can provide me with my request.
Company Response: Closed with non-monetary relief
2019-04-15
Lewisville, TX
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( XXXX and XXXX XXXX ) I am not sure how this happened. Each month I get an email stating that I have a statement. Unfortunately, Im not able to view it, see how much is owed or find out when the due date is unless I call them. Each time I speak to someone I tell them that Im unable to access my online account to schedule auto payments, view my charges, see online statements or make any kind of payment. They ask me to pay the bill ( sight unseen ) or at least the minimum via the telephone. I have requested, each time, to have paper statements mailed but they tell me that I can only do that online ( and, of course Im not able to access my online account ). Its a vicious cycle and one that I cant wrap my arms around. At the end of the day, Im paying late fees and getting my credit dinged but still cant see if I even agree with the charges on my credit card.
Company Response: Closed with monetary relief
2019-04-15
Jupiter, FL
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't work with you while you're going through financial hardship
Complaint: I am a victim of government shutdown. I need more time to pay my bills. I cant afford to make a minimum payment for a few months.
I need to defer payments for six months.
Company Response: Closed with explanation
2019-04-14
Fountainville, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: TD Bank History of Events Derogatory Credit Issued TD checking account number XXXX Overdraft line number XXXX XXXX Opened a joint account at XXXX XXXX XXXX with a convenience overdraft line attached to the account.
Merger of XXXX XXXX with TD Bank - account was not operating correctly. Statements and notices were not being mailed to my address. TD bank admittedly noted that unknown address was contained on file.
XXXX Numerous attempts at Branch ( XXXX branch manager name XXXX ) to have overdraft line appear on electronic banking software so payments could be easily made. After number hours of manager time and IT time it was never resolved and I could never access balance. Therefore, when monthly statement for checking account came I would payoff credit line by rounding to the nearest whole dollar to cover any interest or fees or call in and have them remove the funds as evidenced on XXXX statement..
During XXXX payments we not being applied correctly or timely. In particular the XX/XX/XXXX to XX/XX/XXXX.
After months of dissatisfaction with their product and services, I began winding down services and transferred to another institution fully closing the account on XXXX. Withdrawing {$450.00} ; the bank held back {$50.00} and mailed the check a few month later for me to deposit. Upon depositing the {$50.00}, the check bounced at the other institution for it was voided or cancelled. It was never applied to the any balance on the overdraft line.
XX/XX/XXXX I started receiving collection calls. Apparently, TD charged off the loan and sold it to a collection agency. I contacted TD directly and they stated it was with the collection agency and I should work with them directly. With neither the bank or the collection agency would open discussions with me since I was not able to provide them with the mailing address they had on file. Both the agency and the bank stated I was mailed letters regarding the balance owed, which I never received. After numerous discussions and escalations they explicated stated it was due to a system glitch and the letters were being mailed to another customer who had with the same account number or a similar one. This was also the rationale behind why I could NOT get electronic access as noted above on the credit line account.
After these months and the start of calls, I filed a complaint with the XXXX XXXX XXXX ( XXXX case # XXXX ). XX/XX/XXXX, supervisor XXXX XXXX, contacted me regarding my compliant. In a letter dated XX/XX/XXXX, Mr. XXXX the account was closed with the collection agency and they cleared the credit marks with the bureaus as stated in his letter from XX/XX/XXXX. I agreed to provide them with the documentation supporting payments and disputes. I never received any details as to what was outstanding and comprised the {$1000.00} balance owed.
I gathered the information and supplied it to TD along with phone calls on XX/XX/XXXX, XXXX, XXXX ( no response ) and XXXX ( no response ). Per Bank Statements CREDIT FUNDINGS and Payments are as follows : Funding Date Funding Amount Payment Date Payment Amount/Waiver of Interest Penalties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone paid XXXX XXXX waiver XXXX XXXX XXXX ck # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBIT XXXX XXXX XXXX XXXX CK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAINTANENCE FEE WAIVED BY BANK XXXX XXXX NEVER REQUESTED OR NEEDED BANK WAS PROCESSING PAYMENTS THAT WERE CANCELLED AND CASH NEVER LEFT BANK resulting in the overdraft of the account XXXX HOLDBACK {$50.00} After numerous calls without responses and requested escalations to a supervisor, XXXX or XXXX, I assumed all was well and they reflected the account properly.
In XXXX, I was refinancing my mortgage due to being laid off during the financial crisis. I applied and was notified that TD had reported in XXXX of XXXX the account was charged off and per the XXXX report, {$1000.00} was written off and {$10.00} was past due.
Upon realization of this I contacted TD once again, In XXXX of XXXX, I was working with a XXXX XXXX on resolution of the dispute and faxed her the above information XX/XX/XXXX. XXXX did infer that TD went through a system change and that my account was never properly closed ; so therefore it went through to the credit bureaus. We had a limited number of conversations and then communication ceased. On XX/XX/XXXX I spoke with a XXXX XXXX who indicated that due to the address complication a supervisor ( XXXX or XXXX ) would need to speak with me.. With no response, I contacted them again on XX/XX/XXXX, XX/XX/XXXX I spoke with XXXX and XX/XX/XXXX I spoke with XXXX XXXX.
I couldnt understand and still do not understand how after three years of having a resolution that it would just reappear. My refinancing was negatively impacted due to this one derogatory posting. I had to jump through many hurdles to finalize the refinancing and it cost me more as my rate was higher.
XX/XX/XXXX, I tried to reconnect with XXXX and XXXX XXXX via email and both emails were returned XXXX stated I will be out of the office until Monday XXXX. All email will be responded at the time. Thanks you. Mr. XXXX email stated he accepted another position within the bank and to contact the XXXX number.
I was so disgusted I contacted the now PA Market President, XXXX XXXX. I had worked with him throughout the years in a business capacity. Whether right or wrong to mix business and personal, I felt I had no choice. He responded very professionally and said he would pass it on. I do not know if this occurred or not.
I tried to contact him once more and did not receive a response.
I am review my credit and it is still on my file, I feel I have no choice but to file a complaint with regards to TDs practices and the hurt it is causing me to seek any financing. I have been rejected to apply for financing due to this still being on my credit file.
I did notify Mr. XXXX out of courtesy I would be filing a complaint with CFPB.
Can you please advise as to my next steps to have this removed. I will file once again with the XXXX and dispute the facts with the credit agencies, referencing my complaint with the CFPB.
Company Response: Closed with non-monetary relief
2019-04-13
Ogden, UT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have submitted several disputes with XXXX and they do not take off this fraudulent account. They say the company has provided information for them to not block it. I filed a police report back in XX/XX/XXXX and it was removed and then was put back on XX/XX/XXXX and I submitted a dispute in XXXX, XXXX and XXXX. They refuse to take this off I have filed a complaint with the company Nordstrom as well.
Company Response: Closed with explanation
2019-04-13
SC
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: I have reported Nordstrom to XXXX, XXXX, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XXXX 2018-present. I have even sent validation letters to Nordstrom and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.
Company Response: Closed with explanation
2019-04-13
Flushing, NY
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Company Response: Closed with non-monetary relief
2019-04-12
Katonah, NY
Other transaction problem
Money transfer, virtual currency, or money service: International money transfer
Company Response: Closed with explanation
2019-04-12
Somers Point, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-04-12
Briarwood, ND
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 monetary relief
2019-04-12
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-04-12
Three Bridges, NJ
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-04-12
Rochester, OH
Closing your account
Credit card or prepaid card: Store credit card
Can't close your account
Complaint: I called the customer service department requesting that my account be closed they refuse to close my account saying that I had to send them my driver 's license or social security card and a letter with my address on it I told them that at the time I applied for the credit card I gave them my driver 's license which had my picture it had my current address on it and it had my driver 's license number on it I asked them to close the account they refused to do so
Company Response: Closed with non-monetary relief
2019-04-12
Santa Ysabel, CA
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Complaint: I paid off my loan held by TD Auto Finance on XX/XX/19. I had made a monthly principal and interest payment on XX/XX/19. My final payoff demand was not updated to include that P & I payment, and as a result I had overpaid. I have called TD auto finance once a week since my payoff to see when I would be receiving the {$740.00} over payment. Each time I have called, I have spoken with a new representative, who has informed me that the payment would be sent " next week ''. " Next week '' never comes and it does not appear TD Auto Finance has any intention on refunding my over payment. If I made a late payment they would be charging me default interest. Yet, they will not return my over payment, and I am not being compensated for that in any way whatsoever. I just want my money back and they have held it hostage. It has been 56 days since my final payoff. Where in their terms and conditions does it state this is acceptable? Please help me.
Company Response: Closed with explanation
2019-04-12
Kingstree, SC
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: I am writing to the CFPB today to report what I feel is unfair practice by TD Bank. On or around Monday XX/XX/XXXX, I applied for a personal loan in the amount of {$13000.00}, this loan was for the restructuring of some debt, to pay off a car, and a credit card. My loan application was erroneously not submitted for 7 days by the branches asst. Manager XXXX XXXX, I finally got ahold of XXXX on the XXXX of XXXX ( after 6-8 calls and messages were left with her ) to let her know that I recieved no update about the status of my loan, which was promised to me within 24-48 hours. She told me that day ( XX/XX/XXXX ) that my loan had been declined. On friday, XX/XX/XXXX, I met with my father at another TD bank branch so that he could cosign another loan application for me, as this money was very important to me. On Saturday, XX/XX/XXXX I got a letter in the mail stating that the loan application ( the one erroneously sent in late ) made on XX/XX/XXXX, was, of course, declined. This started a VERY stressful saga for me that as of Tuesday XX/XX/XXXX finally culminated in me closing on a loan in the amount of {$13000.00}. However my issues go further. Roughly {$470.00} of this loan was used to close an existing loan, which was closed XX/XX/XXXX at the time of closing, the loan was removed from my mobile banking application. However, the morning of the XXXX I checked my banking app for TD bank, and found the loan amount for roughly {$470.00} had reappeared. I talked to the branch asst. Manager who closed my loan, and she stated that the loan was closed, but due to how close the time was between closing and my payments coming due, that I would end up paying an additional {$230.00} payment towards this already closed loan, which would effectively be giving TD bank, an interest free loan that theyre *Supposedly* going to be refunding me in 7-10 days. I urge the CFPB to do everything in your power to please look into this as soon as possible, as I feel this is predatory, and with todays technology issues like this should not exist.
Edit - I did not realize at this point in time that I would have the ability to send documentation, all of which I do have, I will get it scanned and digitalized for your use upon request.
Company Response: Closed with explanation
2019-04-12
Philadelphia, PA
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Complaint: I found out that I was scammed through a company who offers to pay me for advertising their product and I had to deposit a check that unknowingly was fraudulent i didnt know it was the check cleared after a day in my account so I just assumed it was safe the bank has frozen my account and demands money back that I dont have
Company Response: Closed with explanation
2019-04-11
Lynnewood Gardens, PA
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with explanation
2019-04-11
Niverville, NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-04-11
Monroeville, PA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2019-04-11
Opening an account
Checking or savings account: Other banking product or service
Unable to open an account
Company Response: Closed with explanation