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 69
2019-01-11
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2019-01-11
Manchester, NH
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Received a letter from TD Bank on XX/XX/XXXXstating that I was {$34.00} short in my XXXX payment, and needed to pay by XX/XX/XXXX to avoid late fees.
I called TD on XX/XX/XXXX and paid the {$34.00} over the phone. I also told the TD Rep, XXXX XXXX, that the letter had arrived after the payment was already due. Furthermore, I pointed out that every other mortgage company I've ever dealt with has sent a letter to let customers know when the monthly payment changes, and has done so once per year, at most. TD has now twice changed the monthly amount due within a 12 month period, and did not send a letter either time. I have automatic payments set up, and I don't change them until I receive a letter that the amount due has changed. I asked that Mr. XXXX put in a request that the late fee be waived.
Received a statement in XX/XX/XXXX showing that I now owed over $ 10K because my late fee made my payment inadequate, so that 2 months of payments were in unapplied funds now. I called TD and in the course of the conversation, it became clear that the {$34.00} I had paid was not applied until XX/XX/XXXX, even though TD claims payments are applied in one business day and I had paid on XX/XX/XXXX, a Tuesday. We were told that the fee of {$190.00} had been waived, and everything should be OK now.
Received at letter dated XX/XX/XXXX stating that we still had not paid {$34.00}.
Called again and were told that everything was ok and that there would be no more fees.
Received a statement saying that we owe {$5200.00} including a new fee of {$190.00}. Furthermore, the unapplied funds were seemingly due to this newest late fee.
Called TD Bank today ( XX/XX/XXXX ) and spoke to XXXX XXXX who says that different systems are showing different information for our account and she will send the matter to research. She offered to update us next week.
In short, TD Bank continues to delay applying funds and then to charge late fees, which then cause the next month 's payment to be considered a " partial payment '' which results in funds not being applied yet again, and more fees. It is a vicious circle that benefits TD and swindles the customer. Trying to resolve this with TD only results in long wait times on the phone, more conversations that lead us to believe everything is settled, and then additional letters and statements telling us that our payments are deficient.
Company Response: Closed with explanation
2019-01-11
Middletown, CT
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with explanation
2019-01-11
Manhattan, NY
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
2019-01-10
Northbush, NY
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with monetary relief
2019-01-10
Menomonee Falls, WI
Incorrect information on your report
Credit card or prepaid card: Store credit card
Account information incorrect
Company Response: Closed with explanation
2019-01-10
Woodstock, CT
Incorrect information on your report
Credit card or prepaid card: Store credit card
Account status incorrect
Company Response: Closed with monetary relief
2019-01-10
Griffith, 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
Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief
2019-01-10
Hope Mills, NC
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Closed with non-monetary relief
2019-01-09
Detroit, MI
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
Complaint: I have pulled my credit reports recently and have noticed 2 inquiries that I did not authorize the inquiries are as follows XXXX Requested XX/XX/2017 XXXX XXXX Requested on XX/XX/2017
Company Response: Closed with non-monetary relief
2019-01-09
Boynton Beach, FL
Managing an account
Checking or savings account: Other banking product or service
Problem accessing account
Company Response: Closed with explanation
2019-01-09
Brooklyn, 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 explanation
2019-01-09
Bronx, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Company Response: Closed with explanation
2019-01-09
Asharoken, NY
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with monetary relief
2019-01-09
Walden, CO
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Company Response: Closed with explanation
2019-01-09
Canaan Lake, NY
Managing an account
Checking or savings account: Checking account
Fee problem
Company Response: Closed with explanation
2019-01-09
Brooklyn, NY
Problem with a lender or other company charging your account
Checking or savings account: Other banking product or service
Transaction was not authorized
Company Response: Closed with monetary relief
2019-01-08
Bradenton, FL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with non-monetary relief
2019-01-08
MO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TDbank of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/2018. A formal dispute of this inquiry was faxed to TD Bank XX/XX/2018 however as of this date TD Bank has not replied to that dispute with the outcome of their investigation. A reply is required under the FCRA and the data of that inquiry is to be removed once it is known to be fraudulent related activity.
Company Response: Closed with explanation
2019-01-08
Three Bridges, NJ
Managing an account
Checking or savings account: Other banking product or service
Cashing a check
Company Response: Closed with non-monetary relief
2019-01-08
Bronx, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I check my credit score today and noticed 5 credit inquiries were made under my name on XX/XX/XXXX from XXXX XXXX without my consent or authorization. This is the 1st time my credit is impacted by identy theft, this happened to me XX/XX/XXXX when an unknown person/s took 2 vehicles out in my name, from 2 different banks at 2 different dealerships.
Company Response: Closed with explanation
2019-01-08
Kendall, FL
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2019-01-08
Castle Point, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with monetary relief
2019-01-08
Jersey City, NJ
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I made legit purchases and I got an overdraft fee for {$140.00} including for a maintenance fee. I have been with the bank for a year and supposedly I can't get anything wavered because something they never explained to me from the beginning when I first opened the account. There is always something hidden or not explained at all with any customer representative with TD on the phone or in person.
They always seem to try to stick it to you one way or another and not care about it. I'm extremely exhausted with TD Bank and the treatment I have received from them. I haven't been through this much hassle from any other bank.
Company Response: Closed with monetary relief
2019-01-07
Saratoga Spgs, NY
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with monetary relief