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 57
2019-03-16
Wallington, NJ
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: I have been a customer with td for over 3 years and they are discriminating against my payee account.
I have funds to cover a line of credit and they denied a XXXX loan even though i can cover the monthly payment sufficiently.
XXXX XXXX XXXX has also denied a line even though they publish an offer on their site that when you open a XXXX account they will extend you a line of credit.
They discriminate due to my credit score with the three major reporting agencys.
also the three major agencys falsify documentation on amounts owed to recieve higher returns.
Company Response: Closed with explanation
2019-03-16
Jupiter, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: On XX/XX/2019 I attempted to pay my mortgage at a TD Bank Branch. The mortgage payment coupon/slip clearly states " Mortgage Payment ''. It also has a part for you to add additional principle or additional escrow and to total. I added an additional XXXX towards my principle. The transaction took quite a while and included four members of the staff including the manager. I heard them clearly state to put the amount of XXXX in the extra principle field. I received a simple receipt stating I made a " LOAN PYMT '' in the total of my normal payment plus the XXXX extra principle.
On XX/XX/2019, my account had not been properly credited. The online account showed there was a Misc Receipt made on XX/XX/2019, and the outstanding balance of my mortgage had not reflected ANY payment since the prior month.
I went back to the branch that day and spoke with the manager, XXXX XXXX. She was one of the employees present when I attempted my payment. While with her, she contacted her account support by phone. They said my payment was used as a pre-payment for future mortgage payments, NOT as a normal mortgage payment with an extra principle deposit. Ms. XXXX explained how the local branch put applied the payment accordingly and was told something went wrong. She was reassured the issue would be corrected that evening and the change would show the next day. This change would also reflect the payment was made on the XXXX XXXX. Ms. XXXX suggested in the future I write two checks and make separate payments to my mortgage if I want to pre-pay my principle. This is a bit odd as the mortgage coupon/slip and the banks system has a spot for me to make an extra principle deposit. I was also told by Ms. XXXX that she would follow up with my payment and contact me the next day to ensure it was done properly. I have not received any contact from TD Bank as of yet.
As of today, XX/XX/2019, my account has NOT been updated. This costs me the daily interest accruing on the mortgage. It is very wrong for a bank to treat its customers this way. I do not blame the branch employees, as they did what they could have to make the proper payment. Requiring me to write separate checks to make extra principle payments should not happen.
Company Response: Closed with non-monetary relief
2019-03-16
Maynard, MA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I had money taken from me from my account through TD Bank and the bank refuses to look into this claiming that the account was supposedly purged.
Company Response: Closed with explanation
2019-03-16
East Rockaway, NY
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
Complaint: Around XX/XX//2018 I lost my card and there was multiple transactions made fraudulently on my account I reported the fraud and let the bank know they credited the account and then refilled the account I been 3 months trying to get the matter resolved and they have not reached out to me on the correct number XXXX I did not make the charges and need the credits out back on my account
Company Response: Closed with explanation
2019-03-16
Anchorage, AK
Opening an account
Checking or savings account: Checking account
Account opened as a result of fraud
Company Response: Closed with explanation
2019-03-15
Holmdel, NJ
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with monetary relief
2019-03-15
MD
Problem when making payments
Credit card or prepaid card: Store credit card
You never received your bill or did not know a payment was due
Complaint: I acquired a XXXX credit card at the store during a purchase to gain a discount on the purchase. A week or two later I received the actual credit card in the mail. I went online and activated my account. I selected the choice for " electronic statements ''. I assumed I would either receive my statements electronically each month, or notification that me statement was ready on-line. This is what happens with all other credit cards aI have.
That is not what XXXX does. XXXX makes no notification to the consumer, at all. It is incumbent upon the consumer to remember to regularly check their on-line access to their account to get their statements and pay their bills.
So, I forgot about the account and went months without paying my bill, no realizing I owed anything. In the mean time XXXX kept assessing late fees and penalties. Then they reported it to the credit agencies and my credit score went from the high 700 's to the low 600 's. Now its an issue because I applied for a mortgage loan for a new house. Had I not applied for the mortgage loan, I would have not found out I had this problem.
I now called XXXX 's collection agency and they would only waive two months late fees. I ended up having to pay {$98.00} for a total of purchase that were less than {$25.00}. I think this is obviously ridiculous. It seems this is designed to extract more money from people. Now I have to wait two days and call XXXX ( they block you from contacting XXXX directly and reduce your access to your on-line account access until you pay the bill with the late fees.
I doubt XXXX will do anything to fix my credit score.
Company Response: Closed with explanation
2019-03-15
Smyrna, SC
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem while selling or giving up the vehicle
Complaint: Me and my late wife purchased a new truck together in XX/XX/XXXX. She passed away in XX/XX/XXXX while we were moving from XXXX to XXXX. She was XXXX and did not have a will. Everything went to an estate that I was the administrator to. I had to purchase her half of the truck from the estate and I did. The problem came when I was attempted to register the truck in XXXX. The bank has the estate of [ wife 's name ] on the title. After many conversations with the bank and with the DMV they sent a copy of the title to the XXXX DMV [ where it was originally titled ] I had to sell it from the estate and myself and re purchase it as myself and then the DMV sent it back to the bank. They said it would remove her from the account. My XXXX registration expired XX/XX/XXXX. I have not been able to drive the truck, register, or even sell the truck because it shows estate of on the title. I communicated with the bank and they said they will not be able to remove her from the account. I have audio recording of them saying this. I informed them without being able to use the truck I can't make money with it. I do long haul pick up and drop offs for a friend farm. I informed them that I was not able to pay if I can't use the truck. They gave me one one month extension but that was it. They just repossessed the truck. When at the dmv I had the person there talk with the bank over the phone. This is not an exaggeration, the DMV was banging there heads on the table because of this. This bank made a difficult situation with the passing of my wife into a nightmare. Please can anything be done?
Company Response: Closed with explanation
2019-03-15
Cecil, NJ
Managing an account
Checking or savings account: Checking account
Fee problem
Company Response: Closed with explanation
2019-03-15
Magnolia, TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
Company Response: Closed with explanation
2019-03-15
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
Company Response: Closed with explanation
2019-03-15
Foothill Ranch, CA
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Company Response: Closed with explanation
2019-03-15
Cleveland, OH
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
2019-03-15
Camden, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-03-14
Irving, TX
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem while selling or giving up the vehicle
Complaint: XX/XX/2019 I was financed for a XXXX @ XXXX by XXXX XXXX XXXX. I drove the vehicle and had issues with it and called and asked if I could trade it for another vehicle, possibly a truck. The salesperson ( XXXX ) said that it would not be a problem " we can do a trade if that is what you want. '' I called on the next day and XXXX answered saying that XXXX was not there. I stated I was supposed to do the trade today for another vehicle. He responded that XXXX will be in tomorrow. I never received a call to confirm from anyone, so I went in to the office the next day and XXXX asked me to wait so that I can sign the paperwork. I received the keys to the truck and drove it for 1 week. A mechanic said that the 4WD is not good on this vehicle. I returned the truck on XX/XX/XXXX and called prior to get all documents needed to rid myself of this business. I signed 1 document ( indemnification document ) and received words from XXXX XXXX ( store manager ) that he would send an email the following Monday to end the deal. I have yet to hear from anyone at the location after making several attemps to call and visit since XX/XX/XXXX. I have contacted TDA finance and they have both vehicles still under my credit and 1 account shows late. The agent stated that I will be receiving calls soon from the collections department if there is not a payment made. I called XXXX sales and still no answer, call or contact. The store manager is never in the office and none of the other staff have a clue on what should be done. I have contacted the Corporate office to only get the same treatment. This has affected my credit and is also absorbing large amounts of time.
Company Response: Closed with non-monetary relief
2019-03-14
Kawaihae, HI
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: post office overcharged for package. charged XXXX when should have been XXXX.
Although TD initially did check- they refuse to make correction.
Company Response: Closed with explanation
2019-03-14
Chicago, IL
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Complaint: I have had this card for 7 years. Not once have I ever had issues paying the card before it was reported to collections or considered 'late. ' I've been traveling out of the country for two months and during this time, I was robbed, which locked me out of some of my accounts that XXXX passwords ( since I had to change passwords to protect myself ). Though, this shouldn't have been a big deal since I knew the answers to my backup questions. I was robbed on XX/XX/XXXX.
Every time I leave the country, I can not log into my XXXX account. I am blocked and it requires me to answers a security question, yet the security question is always flagged as incorrect and locks down the account.
On this past occasion, I tried MULTIPLE times to log into the account, and every time failed. At this point, the account was becoming past due because of my failed attempts to access my account. I tried contacting customer service ( and you can check their call logs for this ), and was unsuccessful to log in.
I then tried to make a phone payment since I couldn't log in, and after I did, I realized that the payment was never taken out of my bank account. The payment was originally made on XX/XX/XXXX when I received access back to my passwords/had a phone/etc. So I called customer support, who first FINALLY helped me get into my account, only to discover that the last 2 digits of the bank account was switched and the payment was taken from the wrong account. Since I was logged in, I paid directly right away. I made this payment again on XX/XX/XXXX.
What I CAN NOT understand is how I was NOT notified until the payment was returned and why these numbers were not checked when the payment was made.
When I contacted XXXX on MULTIPLE occasions after this, stating that I had notice the payment wasn't taken and asked what I needed to do, as I had never paid on the phone, and asked for then the report to be removed from my score, as it greatly impacted my score, they refused to help and blamed me for being out of the country and not trying to mail my payment. I'm not sure when it's safe to mail a payment, but this shouldn't have even had to be an option if I could have accessed the account. I was also blamed for typing in the numbers wrong ( which was absolutely not my intention ) and then blamed for not speaking to a real human instead when that option wasn't even given.
This has absolutely been the worst service I have experienced and I can not understand how it isn't possible to remove the late payment due to the issues. I also do not understand why an accidental typing of incorrect numbers is my fault if a payment is made over the phone, as I would assume this information would be verified first.
Company Response: Closed with explanation
2019-03-13
Hurst, TX
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-03-13
Washington, DC
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Complaint: This is an inquiry more than a complaint. I accepted a 0 % promo rate for 12 months. I asked the credit card company to send me something in writing to confirm the final date for paying off the credit card at the 0 % rate. They said they can not send me anything in writing. The expiration date doesn't appear on my monthly statement. Aren't they required to at least put the rate expiration on the statements? Is there any law that says they can't send me something in writing to confirm?
Company Response: Closed with explanation
2019-03-13
Jersey City, NJ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Company Response: Closed with explanation
2019-03-12
West Branch, NY
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Company Response: Closed with explanation
2019-03-12
ME
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX TD Bank XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX RE : Demand Notice Promotional Bonus Offer Checking Account XXXX To Whom It May Concern : 1. On XX/XX/XXXX, I applied for and was subsequently approved for checking account XXXX in response to an unnamed {$300.00} promotional offer ( the Offer, Exhibit A ) which states Earn {$300.00} when you receive direct deposits of {$2500.00} or more within 60 days of opening your account.
2. On XX/XX/XXXX, I met all requirements of the Offer. The bonus did not post.
3. On XX/XX/XXXX, I contacted customer service for assistance via secure message ( Exhibit B ) and was advised by XXXX XXXX XXXX Specialist XXXX on XX/XX/XXXX that the bonus will be credited to the new personal checking account no later than 125 days from the account opening.
4. Today is exactly 125 days from the account opening and the bonus has been credited.
5. Please pay the advertised bonus of {$300.00}.
6. Else this matter will proceed to trial.
Sincerely, XXXX XXXX enc.
Company Response: Closed with explanation
2019-03-12
San Francisco, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: I applied for the TD Bank XXXX Visa card, which awards XXXX XXXX miles after spending {$1000.00} in the first 90 days. I met this requirement. However, the miles did not post.
I called in inquiring about this, and the customer service representative said that she could see them on her end, but they were not displaying on my end due to a computer issue, and the update would be fixed by the next morning. They were not.
The next time I called, I was told they were not open on the weekend.
The next time I called, I was put on hold, then transferred to a survey after which my call uatomatically ended.
The next time I called, after waiting on hold for 20 minutes, I was transferred to the reservations department to make a reservation, despite that not being my issue.
I am getting sick and tired of being on hold, and desperately need these miles to make a reservation.
Company Response: Closed with non-monetary relief
2019-03-12
Fedhaven, FL
Other transaction problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: On XX/XX/XXXX I opened a TD 60 Plus Checking account. TD Bank was unable to get my mailing address correct no matter how many times I contacted them. My statement was ending up in unauthorized hands. On XX/XX/XXXX I closed my account due to address problem and unprofessional behavior at the branch. Unfortunately, I had a refund from a merchant due me in XX/XX/XXXX. TD Bank said they never received the credit to the closed acct. However the merchant sent me proof of said transaction. Finally a month later they admitted they had the money and sent me the funds with plenty drama.
Now on XX/XX/XXXX, another merchant has informed me they have also credited my closed account. They have also sent me proof of this transaction. Again TD Bank is telling me they don't have the funds. ( This time the credit is a much larger amount ).
While the merchant understands that the account has been closed for a long time, they told me it is federal law, that they MUST return it to the account the purchase was made through. I have tried to get TD Bank to cooperate. Please Advise me ... ..Thank you.
Company Response: Closed with monetary relief
2019-03-12
Del Sur, CA
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 non-monetary relief