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 65
2019-01-30
Great Neck, NY
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2019-01-30
Basking Ridge, NJ
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Company Response: Closed with explanation
2019-01-30
Long Beach, IN
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Company Response: Closed with non-monetary relief
2019-01-30
Granite, MD
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2019-01-30
Rochdale, NY
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with monetary relief
2019-01-30
Fremont, CA
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: Store credit card
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-01-30
Blackbird, DE
Getting a loan or lease
Vehicle loan or lease: Loan
Problem with additional add-on products or services purchased with the loan
Complaint: Hello, My name is XXXX XXXX. I recently purchased a vehicle from XXXX XXXX of XXXX XXXX. They used TD Auto to help me finance the car. When I purchased the vehicle, I was informed by XXXX XXXX, the sales agent, that she would enroll me in a protection plan ( the XXXX protection plan ), and if I decided within several days that I did not want the plan, I could call back and unwind the plan. I did not understand the cost of the plan until later, and I did not realize that I really had no need for the plan until after purchasing the vehicle. So I immediately contacted XXXX to undo the plan - I have not been able to get in contact with her, and have not heard from her since. I need this expensive {$2900.00} protection plan undone and credited back to the loan.
I was also charged a reconditioning fee of {$1000.00}. I was told by XXXX that this is a mandatory fee and the car could not be sold in Maryland without the fee. I objected, but did not have much of a choice at the time other than to accept the fee. After researching the fee further, there is no " requirement '' for such a fee, and the " reconditioning '' was not needed - I could have opted out. As such, I want this fee reimbursed as well and credited to my loan.
I have been misled about these two add ons and I would like TD Auto to work with XXXX XXXX of XXXX XXXX to have these two fees reimbursed/credited to my loan. I have submitted a XXXX XXXX XXXX complaint against XXXX XXXX as well.
Company Response: Closed with explanation
2019-01-30
Keyport, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: On XX/XX/2019 I received notification that I applied for a XXXX Credit Card Application number XXXX. I did not authorize nor did I apply for a credit card at anytime with XXXX XXXX or XXXX XXXX XXXX. This fraudulent activity has impacted my credit score and produced a Hard inquiry on my credit report. I rarely shop at XXXX and never authorized the company to share my personal information or initiate any credit granting on my behalf. This act is clear credit card fraud and identity theft. XXXX erroneously and egregiously attempted to utilize my information.
Company Response: Closed with non-monetary relief
2019-01-30
New Bedford, MA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: Good Evening ; I was going through my credit report after receiving several aggressive calls from a debt collector company about an alleged debt. I went ahead and paid, but I keep reviewing my credit report it shows on my credit with a balance of over {$200.00} ... .I 've asked them and the credit bureaus to please clarify the payment status, comments, balance and account number as they might be erroneous.
Also I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor.
Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity
Company Response: Closed with explanation
2019-01-30
Wallington, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I recently pulled my credit report from XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in XX/XX/2019. I have previous credit reports from both agencies pulled on today XX/XX/2019, and neither one of these reports show me late in XX/XX/2019. Not only was I never late on this account, you are required to notify me of the insertion of negative listings. I never received such a notice.
I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. She promised to send me a payment history of my account. I never received such documentation. The results of my XXXX dispute and my XXXX dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything.
In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Company Response: Closed with explanation
2019-01-29
Wallingford, CT
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
2019-01-29
Hamilton Grange, NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with monetary relief
2019-01-29
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with monetary relief
2019-01-29
Lakewood, NJ
Unexpected or other fees
Credit card or prepaid card: General-purpose prepaid card
Company Response: Closed with monetary relief
2019-01-29
Brooklyn, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2019-01-29
Brooklyn, NY
Opening an account
Checking or savings account: Checking account
Unable to open an account
Company Response: Closed with explanation
2019-01-29
Dallas, TX
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: Credit card stolen and used unauthorized, on XX/XX/XXXX my card was used without my consent to make purchases over {$3000.00}, now I am being held responsible even though I followed proper steps to file a police report and provided medical documentation that I was in the hospital when these charges took place, I was at the hospital due to a XXXX which was provided to Nordstrom card services, a lost report has been filed and theft report with the city of XXXX as well, Nordstrom still wants me to pay for these charges and are increasing interest rates very rapidly to a point to were I can not even pay. They have closed my account and representative with the name of XXXX has told me I am an irresponsible person this is why they closed my account.
Company Response: Closed with explanation
2019-01-29
Germantown, WI
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Closed with monetary relief
2019-01-29
Haverstraw, NY
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2019-01-29
Amsterdam, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with monetary relief
2019-01-29
Nyc, NY
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: I am writing because I would like to understand how TD Bank enabled someone to steal {$14000.00} from me between XX/XX/2019 to XX/XX/2019 through 26 transactions without once alerting me to possible fraud ( total theft attempted was {$16000.00} but I was able to have the 27th transaction stopped upon my own discovery of the fraud ). Further, TD Banks fraud department refuses to acknowledge that there was debit card fraud with respect to my account.
On Thursday XX/XX/2019, I attempted to use my TD Bank debit card. I punched in my PIN in several attempts but was told by the ATM that the PIN was incorrect. I went to my local TD Bank branch the following day, Friday XX/XX/2019, to have my PIN reset to find out that I only had {$15.00} in my account. I had no idea how this could be, I had checked my balance 2 weeks earlier which showed a nearly $ 17k balance.
At my request, the bank teller looked up my account and we saw that over the course of 2 days, beginning XX/XX/2019, a thief had managed to drain the my bank account - transactions that included ATM withdrawals, debit card and POS transactions ... the majority of which took place in Massachusetts. My home address is in New York. I have not traveled to MA in the past year and was still in physical possession of my debit card.
The thief was able to make multiple ATM withdrawals of over {$700.00} within the same day. I have never taken more than {$150.00} out of my account via ATM. How was this not flagged as being fraudulent or suspicious?
The thief used my debit card to make multiple purchases, what appears to have been both physical and electronic purchases. The thief was able to make multiple payments of over {$2000.00} via XXXX and pay what appears to be their electricity/gas bill ( deduced from the name of the vendor that appeared on my statement ). I have never made any purchases using my debit card, not even once. Once again, how did this not get flagged by TD Bank as being fraudulent?!
I would really like to understand how none of the above got flagged by TD Bank as being fraudulent. Over 2 days, transactions totaling almost {$17000.00} hit my account, largely in MA and I was never once notified by TD Bank about the suspicious activity. I was not alerted via email, text or call. Meanwhile, the fraudulent transaction amounts were large, made within a short period, out of state, and inconsistent with my previous transaction history. The only reason I was alerted to the fraud was because I had tried to take money out of my own account.
What did TD Bank do, if anything, to protect my account? Could theft of this magnitude have been prevented had the bank been diligent in monitoring customer accounts? I believe that someone was able to somehow obtain my debit card number and make copies of my card.
I have offered to share my phone records, credit card records, work records to prove that the transactions on my account are fraudulent and that I could not have been in MA using my debit card but I have never once been contacted by the TD Bank fraud team during their investigations. It appears that the thief has attempted to make additional fraudulent transactions since the fraud had been reported. I have seen these attempts show up in my pending transactions. However this does not seem to have been considered in TD Bank 's fraud " investigations '' either.
If the bank truly worked with the authorities they would find that I was not the person executing the disputed transactions. In New York, theft of this magnitude is considered Grand Larceny in the 3rd Degree. TD Bank has done nothing to help catch this felon.
Total theft : ( 1 ) {$4800.00} of ATM withdrawals ( 7 withdrawals total in MA, all within 2 days ) ( 2 ) {$9200.00} of debit card and POS transactions ( all within 2 days ) : XXXX XXXX XXXX - MA {$500.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX XXXX MA {$310.00} XXXX XXXX {$70.00} XXXX XXXX XXXX {$100.00} XXXX {$620.00} XXXX XXXX {$8.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$55.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$500.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$530.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$530.00} XXXX XXXX {$86.00} I have a full time job where I have to work late, I don't have all day to be calling companies who have accepted fraudulent payments ... is it too much to expect a certain level of protection, trust and service from TD Bank?
I am happy to share further information if needed including bank transcript with fraudulent transactions, police report incident number.
Company Response: Closed with monetary relief
2019-01-29
Shalimar, FL
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Complaint: It takes XXXX calendar days to post a payment and I had to contact them multiple times about the issue. Their resolution is to put you on an extensive conference call with your financial institution to resolve the issue. I know of no other financial institution or creditor that wont release the credit limit for XXXX days. They need to follow industry standards with posting times and dates. Per other online reviews, Im not the only one who has experienced and continues to experience this issue.
Company Response: Closed with explanation
2019-01-28
West Brandywine, PA
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
2019-01-28
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
2019-01-28
Ridley Park, PA
Managing an account
Checking or savings account: Checking account
Fee problem
Company Response: Closed with explanation