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 59
2019-03-06
NY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: To who it may concern at the XX/XX/2019 two days before my credit card due date i called my own credit card bank seeking for an extension of 14 days to make my payment due the government shut down but instead they help me they decided to revoke my account and closed it permanently.
This big bank has abused their power against by closing my account with them without any valid reasons but me seek for two week extra to pay them due the government ' shutdown and totally stripped me from all points that earned from using my own hard working money. At the XX/XX/2019 i and after i made my payment of 1000 $ to them I received a letter from Td bank saying that they revoked and closed my credit card account that I had for nearly three .and I've never missed a single payment and my account always been in a good standing payment for three years .Also, they are refusing to let me used my earned points by all means please help to stand against this unfair bank who his dealt with with nothing but rudeness and unjustness every time I called them to seek for my stolen points by them and ask them for explanation why did they closed my account but they never wanted to help or answer any of my question .nevertheless, by they closing my account they hurt my credit score badly and this show the luck of fairness and professionalism. and how this big bank use us to get as much of fees and interest and after they done they just close the account but never give the fess nor the interest back to us giving the fact this credit card has charged me the last three years totally 2500 $ in fees and interest please help me the hard worker people like me to stand against them.
Company Response: Closed with monetary relief
2019-03-06
Middletown, CT
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with monetary relief
2019-03-06
MA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: Because of previous problems I have had with TD Bank, I decided to close my credit card with them ( they started charging me 24 % interest for similar issues that were not valid ). I paid the balance owed and asked them to close the account. The bank however continued to allow automatic electronic debits - I was charged by a previous vendor {$14.00}, days after I requested and was told the account was closed. A phone rep from TD who called my home about 2 months ago confirmed the same story.
Since the bank allowed the charge to go through ( that they should not have ), every month they add new fees and charges. Now the balance is over $ 200+ which is almost entirely fees - due to their error.
They called me several times. A couple of months ago a rep called and confirmed my story. I told her that I was even willing to pay the {$14.00} from the charge that they shouldn't have allowed. I offered to pay the erroneous charge but told her I wouldn't pay any of their penalties. She said she'd put my on hold and ask her supervisor. She didn't come back, and I went to work. Several times they have called in the morning as I'm headed out to work, and I asked my wife to give them my cell # and if they would call me on it I would still try to resolve things with them. Instead they keep calling my home when I'm not there - but they don't call back even after I've asked them to.
They often send letters advising that they will report me to the credit agencies for non-payment. I'm not sure if they have or not, but the letters and bills keep coming and I will be extremely upset if they report to the credit bureaus for something they THEY caused. That's an abuse of power in my opinion - they can effectively make it very hard for me to get credit and I have no equivalent ability - it's really a shame how the system works. Anyway I hope the CFP can help resolve the problem since TD Bank doesn't listen to me.
My legal name is XXXX XXXX. The card was a Visa card - I believe the number was XXXX XXXX XXXX XXXX.
Company Response: Closed with monetary relief
2019-03-05
Tatum, NM
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
Complaint: We traded in the vehicle financed through TD, after the trade in we ended our service contracts. The check for the canceled plans were sent to TD auto finance on the XXXX of XXXX and show deposited but they claim they never got said money and refuse to give us our check.
Company Response: Closed with non-monetary relief
2019-03-05
Bedford, OH
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
2019-03-05
East Barre, VT
Struggling to pay mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with non-monetary relief
2019-03-05
East Rockaway, NY
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
2019-03-05
Rochdale, NY
Problem caused by your funds being low
Checking or savings account: Other banking product or service
Overdrafts and overdraft fees
Company Response: Closed with monetary relief
2019-03-05
Ocala, FL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-03-05
Warrenton, VA
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: In my move from New York to Virginia in XXXX of 2017, I would receive XXXX XXXX XXXX bills in bulk forwarded from my previous address to my Virginia address. I was under the impression I had automatic payments set up. My XXXX XXXX XXXX charge that lasted over 90 days was for {$20.00} or so. I make over {$100000.00} a year so this obviously wasn't a financial burden that I was putting off. Yet, this {$20.00} bill has severely brought down my credit report.
Company Response: Closed with explanation
2019-03-04
Santa Clarita, CA
Getting a credit card
Credit card or prepaid card: Store credit card
Card opened as result of identity theft or fraud
Company Response: Closed with explanation
2019-03-04
Atlantic Beach, FL
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Company Response: Closed with explanation
2019-03-04
Brooklyn, NY
Closing an account
Checking or savings account: Checking account
Can't close your account
Company Response: Closed with non-monetary relief
2019-03-04
Unity Plaza, CT
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
2019-03-04
CA
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Complaint: I recently had a problem with my Nordstrom Credit Card, and I would like this situation duly noted and/or reversed in my credit file, as my FICO score has now taken a hit as a result of Nordstroms error. I remind you that under the Fair Credit Reporting Act and the Consumer Protection Act, you have an obligation to do so immediately.
I have been a Nordstrom Credit Card holder for more than 13 years, spending tens of thousands of dollars with them over the lifetime of my loyalty to them. During this time, I was also a Nordstrom Loyalty customer, and I regularly received reward certificates for my spending.
In XXXX, in XXXX XXXX, I made a {$1200.00} purchase for a business trip to XXXX. I was traveling a lot for work and out of the country, so when I finally returned home, I received my XXXX statement in the mail, and I realized I was two days late in paying my bill, so I used the automated phone service Nordstrom has to pay a bill online ( this is a 24/7 bill pay phone number at XXXX ).
I paid the amount in full on XX/XX/XXXX, and I immediately received an automated billing confirmation number and payment proof was also received in writing when reflected on my next Nordstrom statement ( SEE ATTACHMENT # 1 and # 2 indicating payment on XX/XX/XXXX while a late fee for {$37.00} was assessed and charged on the same day payment was due - redacted for this version ).
When I received my following months statement, 2 statements later, not only did the payment show as adjusted and reversed, but I had received a collections notice, too, indicating that my account had gone to collections and was now reported to all credit agencies ( ATTACHMENTS # 3 and # 4 - redacted for this version ).
When I contacted the collection agency, they did not understand the issue, so they had to patch in someone from customer service at Nordstrom, whose name was XXXX XXXX ( not her real name, Im sure ). A very terse and unhelpful Ms. XXXX said that their automated payment system had used an account for my bill from a bank account we no longer have open. This account at XXXX XXXXXXXX XXXX has been closed since XX/XX/XXXX! I buy at Nordstrom multiple times per year. How could they have on file, an account that has been closed for 7 years!? Ms. XXXX also indicated that they did not have an email or phone number on my account, which is not true. I regularly receive emails from Nordstrom - both promotional and billing related. I never received an email notice or phone call or letter ( other than my statements ) indicating that this account was late or not paid, and I never received notice that they were using a closed bank account that had not been open for 7 years.
Nordstrom has had several credit breaches. Most recently, a security breach in XXXX, XXXX. What has likely happened is that during one of their breaches, they had to restore their customer account systems, and they picked up an old and expired customer record for me, which included this closed/invalid account at XXXX XXXX XXXX. What I can not understand is how their automated payment system allows a payment to be accepted, go through and be verified as paid without having to confirm that its a valid and open account? Is this not the definition of wire fraud?!
When I challenged Ms. XXXX, she admitted that I had made a payment online with good intent, and therefore, she agreed to dismiss any late fees ( for which I recently received a check for {$99.00} ). But, the damage is done. It was reported to credit agencies already. I asked her to report this situation to the Big 3 credit agencies, so that you can note this problem and provide an explanation in my records, but she refused to help me in any way.
And, for this reason, I asked her to close my Nordstrom account forever.
Company Response: Closed with explanation
2019-03-04
Juniper Hills, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Complaint: This company has been reporting unverified and inaccurate information about me to the credit bureaus.
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ).
In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Company Response: Closed with explanation
2019-03-03
San Leandro, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-03-03
Crystal, MN
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Nordstroms TR Bank USA : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Company Response: Closed with explanation
2019-03-03
Crystal, MN
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: TD Bank USA/XXXX XXXX : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Company Response: Closed with explanation
2019-03-02
Palmerton, PA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: OnXX/XX/XXXX My bill was {$410.00}. I paid {$420.00} On XX/XX/XXXX My bill was {$300.00} I paid {$300.00} I thought that the card was paid off.
XXXX XXXXCard claimed in the XX/XX/XXXX billing statement that I made a purchase on XX/XX/XXXX for {$30.00}. On XX/XX/XXXX billing statement the amount rose to {$58.00}. On XX/XX/XXXX. I paid XXXX XXXX card. XXXX. I thought that this card was paid off. On the XX/XX/XXXX billing statement the amount rose to {$97.00}. On XX/XX/XXXX I paid XXXX XXXX card XXXX. On the XX/XX/XXXX billing statement the amoount rose to {$79.00}. Then I paid XXXX {$1.00} which they are leaving as a credit. I was forced to give them my checking account and routing number because they would change the amount due daily.
Company Response: Closed with monetary relief
2019-03-01
Manor, DE
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with non-monetary relief
2019-03-01
College Park, SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Information belongs to someone else
Company Response: Closed with non-monetary relief
2019-03-01
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Closed with explanation
2019-03-01
Ridley Park, PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: On Tuesday XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and spoke with a representative. I found this was regarding my former business with a XXXX account. I explained to the account representative that I wished to settle the account, because I was expecting my income tax refund on the XXXX. We agreed to settle for {$350.00} and dated a post dated check for XX/XX/2019. I wasn't sure if my tax refund would hit my account immediately, so I explained to the rep that if it hits my account sooner I will call and make immediate payment if the payment for the XXXX is deleted. The next day XX/XX/2019, my income tax was deposited into my account with no issues. During my lunch break at work I called XXXX XXXX XXXX XXXX. I spoke with the same rep. I advised payment was good to run immediate, so I gave him a debit card. I asked about deleting the payment for the XXXX because now my debt was satisfied. The rep assured me he did in fact delete the XXXX check, and my balance was settled in full. I asked for a terms letter to be emailed to me for my records, and gave my email address. The rep read an email disclosure and said I would have it over to my email on the XXXX. I never received that letter. XXXX XXXX XXXX XXXX charged my account twice. Once via debit card and once via check. I called to resolve it and I was told there were no managers in that could help me. I was placed on a long hold and eventually hung up on. I called XXXX XXXX XXXX XXXX maybe 10 times to try and get a resolution, and the phone just kept ringing. I eventually contacted my bank to dispute the charges.
Company Response: Closed with non-monetary relief
2019-02-28
Temperanceville, VA
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: After making 16 payments to XXXX XXXX XXXX part of TD bank group I missed two payments due to a car accident I called and told them but they repossessed my car and wont work with me. They are very rude and unprofessional and wont help me out even though I a veteran and recovering from a car accident
Company Response: Closed with explanation