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 62
2019-02-15
CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: TD Card Services has a reward program. To manage the program you have to sign up for their website.
When you are going through the sign up procedure a terms and conditions pops up that you have to agree to. This terms and conditions is for electronic statements. It has nothing to do with access to the site.
I missed two payments because of this. TD Bank reversed the late fees but wont change their login procedure. TD Bank wont reverse the late they sent to the credit bureau 's even though the first rep I spoke to was well aware of this problem.
E-statements are useless to the average customer unless they are accompanied by an E-bill. Which TD Bank doesnt offer. This is a scam at best. Dont bother with their card.
Who wants to deal with a company that trys to dupe their customers. Wont fix their procedures when an issue is discovered and wont do whats right when its brought to their attention.
Company Response: Closed with monetary relief
2019-02-15
Boston, MA
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2019-02-15
Webster Square, MA
Incorrect information on your report
Credit card or prepaid card: Store credit card
Account status incorrect
Company Response: Closed with non-monetary relief
2019-02-14
Philadelphia, PA
Incorrect information on your report
Checking or savings account: Checking account
Account status incorrect
Complaint: I ordered my XXXX report and it indicated that I still have an open checking account with TD Bank. I contacted TD Bank and they confirmed that I do not have any open checking accounts with a balance. They informed me that I need to contact XXXX in order to get the information updated and/or removed. The date it was reported was XX/XX/XXXX. The closure status says : NOT REPORTED. The amount is for {$590.00}. I paid this account off in full in XX/XX/XXXX.
Company Response: Closed with non-monetary relief
2019-02-14
Glendale, CO
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 traded my auto in, that was financed by TD Auto Finance, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting.
1 ) XXXX is reporting a late in XXXX and XXXX. They also have my account coded as I2 ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations.
2 ) XXXX XXXX is reporting a 30 day late in XXXX and they are also coding this account as I2, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late.
3 ) XXXX has my coding correct because they are reporting this as an XXXX but they are also reporting a late payment in XXXX that is incorrect.
Company Response: Closed with explanation
2019-02-14
Cordova, TN
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I have long contented that the credit card account was not opened or authorized to be open by me and I suspected a one time member of my household opened and concealed the account from me until their passing. I have repeatedly disputed this alleged debt with the credit bureaus as identity theft with no positive result and have suffered with a negative credit entry that I am not responsible for. Today I received a letter from the alleged debtor stating an option to pay the alleged debt at a 70 % discount. Despite the fact the alleged debt is a result of identity theft I felt this might be a somewhat acceptable opportunity to settle this with the stipulation that once the debt is paid the tradeline would be completely removed from my credit reports and this matter is resolved. I explaining to the representative that this alleged debt is the result of identity theft but was willing to pay the 70 % discount with the stipulation the negative tradeline would be removed. The representative rudely stated " not going to happen '' and went on to say the tradeline could only be updated to Not Paid As Agreed. This is completely unacceptable and fails to resolve my issue of removing a negative tradeline that I did not create nor authorize. Therefore as per my rights under the FDCPA I am submitting formal compliant regarding this alleged debt in which I demand the alleged debtor provide proof that I in fact opened this account. The proof I require is a copy of my signature on the original credit application. Copies of past billing statements does not authenticate me as opening the account.
Company Response: Closed with explanation
2019-02-13
Darlington, NJ
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-02-13
Hillsdale, NJ
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with monetary relief
2019-02-13
Cedar Park, TX
Opening an account
Checking or savings account: Checking account
Account opened as a result of fraud
Company Response: Closed with explanation
2019-02-13
Casa Blanca, CA
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Overcharged for something you did purchase with the card
Company Response: Closed with non-monetary relief
2019-02-13
Dr Martin Luther King Jr, FL
Incorrect information on your report
Credit card or prepaid card: Store credit card
Account information incorrect
Company Response: Closed with non-monetary relief
2019-02-13
Hollis, NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-02-13
Covington, WA
Incorrect information on your report
Credit card or prepaid card: Store credit card
Public record information inaccurate
Company Response: Closed with explanation
2019-02-13
Bronx, NY
Managing an account
Checking or savings account: Savings account
Fee problem
Complaint: I Am Having A Problem With Problem With TD Bank With and Overdraft Fee That I Am Being Charge on My Saving Account for {$35.00} Dollars For A Transfer that was Made On My Account Via My XXXX Checking Account and TD Bank is Denied To Credit Any Fees On My Saving Account and Also Via The Customer Service Phone Number
Company Response: Closed with monetary relief
2019-02-12
Old Bridge, NJ
Managing, opening, or closing your mobile wallet account
Money transfer, virtual currency, or money service: Mobile or digital wallet
Company Response: Closed with explanation
2019-02-12
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2019-02-12
Manhattan, NY
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with explanation
2019-02-12
San Jose, CA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with explanation
2019-02-11
Ft Lauderdale, FL
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: i sold a car the person sent me half the money then once they received the car they sent the other half through XXXX i once the money was transferred to my account my bank locked me out this frustrating because im out of a car and the money there telling me to get in contact with the buyer and i can't locate or contact the buyer i really need help with this
Company Response: Closed with non-monetary relief
2019-02-11
Houston, TX
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: The balance they are reporting on my credit reports are wrong. Td is reporting I owe XXXX but the debt collection company is reporting XXXX please report accurate information or delete
Company Response: Closed with explanation
2019-02-11
Plymouth, FL
Improper use of your report
Credit card or prepaid card: General-purpose credit card or charge card
Credit inquiries on your report that you don't recognize
Complaint: TD Bank sent me a solicitation indicating that I qualify for there TD cash rewards credit card. I was previously approved due to my excellent payment history and high credit score. The reason that TD Bank denied my credit card was not based on my credit history or credit worthiness, its was denied due to the fact that I already have an existing credit card. Which I believe is against lending regulations. Credit has to be denied based on credit worthiness. In essence TD bank are infringing the equal credit opportunity act.
Company Response: Closed with non-monetary relief
2019-02-11
Brooklyn, NY
Money was not available when promised
Money transfer, virtual currency, or money service: International money transfer
Company Response: Closed with explanation
2019-02-11
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Problem with customer service
Company Response: Closed with non-monetary relief
2019-02-11
So Effingham, NH
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I went into the branch near by my employer to withdraw {$40.00}. The teller informed me I didn't have enough funds available. I spoke with XXXX XXXX, who had informed me that I somehow had been enrolled in their " Debit Card Advance '' program, meaning even if I do not have the funds to cover my transactions, the bank will cover the charges for me and charge me a {$35.00} fee each time. I thought this was odd considering I experienced a huge problem with this program in the past and was certain not to be enrolled, but I kindly asked Mrs. XXXX to un-enroll me from that option, she stated she had. Just a couple days later ( only 24 hours after my employment direct deposit was made in the total amount of {$950.00} ), my card was declined at a local grocery store. I attempted to check my account via my TD Bank Mobile App and I received an error of " too many login attempts, try again later ''. This was strange, I use " face recognition '' to login. I was unable to view my transactions all weekend. I called the number on my card and was on hold to speak to a rep for over 114 minutes each 21 times I called. The following Monday I went into the XXXX branch yet again and spoke with Mrs. XXXX yet again, and she had informed me that I was again, enrolled in the " Debit Card Advance '' program ... ... AGAIN! She un-enrolled me and informed me there was nothing they could do regarding the fees acquired and recommended I contact the number on the back of my card. I did and they refused. Still unable to view transactions I asked the rep how much the fees totaled, he replied : {$230.00}. It wasn't until yesterday ( XX/XX/10 ) when I was finally able to log on to the mobile app did I see the actual amount of fee 's I was charged for. In a 7 day period I was charged {$930.00} in overdraft fees!!! I have spoken to the reps inside the branch itself and via " XXXX '' number, including supervisors. They all refuse to credit me back the obscene amount of fees they CONTINUE to charge me. I have captured screen shots and statements of everything!
Company Response: Closed with explanation
2019-02-11
Citrus Ridge, FL
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: My husband and I used TD Bank for a conventional 30 year mortgage. We stared the process in XX/XX/2018. We closed on XX/XX/2018.
On XX/XX/2018 a document stated cash to close was {$72000.00}. On XX/XX/2018 another document cash to close was {$65000.00}.
On XX/XX/2018, we were contacted by XXXX XXXX from TD Bank and she requested that we confirm for her the the amount of our deposit to the builder ( {$18000.00} ) and the total home price ( {$370000.00} ). We sent this to her in an email, of which will still have a copy of. We never heard anything back from the bank.
We figured from the cash to close information we previously received and leaving some room for error, we figured the money we would need would be about {$75000.00} Although TD Bank had all the required documentation needed from us, along with the correct purchase price/ deposit ( sent to the bank on XX/XX/18 ) we never received any settlement information from them. On the day of closing, we had to contact them and request it be emailed to us.
On the day of closing, XX/XX/2018, less than 24 hours before our closing we received several settlement statements and to our surprise the final statement was {$16000.00} more than expected! We did not receive a correct settlement statement 24 hours prior to closing. We did not receive any information about cash to close after XX/XX/2018 when we sent TD Bank the information they requested about the deposit/ home price. We were placed in a very bad situation due to the fact that TD Bank did not follow The Real Estate Settlement Procedures Act that requires that a settlement statement be given to all parties involved with the transaction 24 hours prior to the scheduled closing date. TD Bank also did not properly record the figures given to them on XX/XX/2018. We believe that is the reason why our cash to close/ settlement statement kept changing on XX/XX/2018 ( our closing date ).
The unexpected {$16000.00} was truly needed by us for moving/ traveling expenses but in order to close we had to us it. If TD Bank would have sent us a settlement statement prior to closing, we would have been able prepared for closing/ costs due.
We are filing this complaint after trying to work things out with TD Bank. Their response was that they did nothing wrong. We believe they did. As consumers we had to follow laws/ regulations to obtain a mortgage but TD Bank did not follow the guidelines/ laws placed on a lender. We are requesting that you look into this for us.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response: Closed with explanation