TD BANK US HOLDING COMPANY


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"Products" offered by TD BANK US HOLDING COMPANY with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - I do not know
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Other financial service - Money order
Other financial service - Refund anticipation check
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Pawn loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

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Complaint ID: 7089384

Date Received: 2023-06-08

Issue: Problems at the end of the loan or lease

Subissue: Unable to receive car title or other problem after the loan is paid off

Consumer Complaint: I had requested my Lien Release letter since I am planning to sell my car. I contacted them last month ( on XX/XX/XXXX or XX/XX/XXXX ) and confirmed that it will be overnight, I even received a UPS tracking number. But they just created a label and XXXX had never received the package from them. I waited more than 2 weeks and then I contacted them again last week. I have been informed by one of their Reps. that the Title Department never processed my request. So I ask that it be processed again. I didn't receive any tracking or confirmation number this time. So I call back early this week and didn't have any luck, also their customer service has no way to communicate with the Title department to query my case. So they put down my request and promised to expedite my request, upon hearing that I tried to clarify the timeframe of that expedite but the customer service person could not able to give me clear answers. So I waited and then I call back and this time, I asked for the supervisor and the supervisor confirm that it will be overnight that day or the next. I again received the XXXX tracking number yesterday ( XX/XX/XXXX ) and the status of that shipment is the same as the first time, where the shipper ( TD Auto Finance ) just created a label but XXXX has not received the package yet. It's the end of the day right now and I am pretty sure my letter has not and will not be sent. I am very frustrated at this time since I don't know what else to do.

Company Response:

State: NY

Zip: 105XX

Submitted Via: Web

Date Sent: 2023-06-08

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7085597

Date Received: 2023-06-07

Issue: Getting a credit card

Subissue: Card opened as result of identity theft or fraud

Consumer Complaint: I became aware on XX/XX/23 that a virtual credit card account had been opened in my name through XXXX when I received a letter from TD Retail Card Services asking me to verify a change of address for my account and to call them if I had not done so. When I called their number I reported that I had not opened an account through XXXX and they opened a fraud case XXXX and said they would mail a form for me to complete and return indicating that I had not opened the account. On XX/XX/23 I received the Declaration of Fraudulent Activity Statement which I completed and faxed to them on XX/XX/23. The letter that came with the form stated that they would use it to complete their investigation if received within 14 days. I called TD Retail the following day and was told my fax had arrived. I next received a letter from them stating that my claim was denied due to confirmation paperwork that XXXX had delivered XXXX products to a mail drop service to a company in New Jersey, which was the XXXX used to change the address XXXX day after the account with XXXX was opened with my address in Iowa. My recent attempts to contact the company have been ignored and I have filed a report with my local police department as well as a complaint has been sent the company from the Consumer Protection Division of the Iowa Attorney 's Office. From the delivery copies the company sent with their denial letter it looks as though XXXX XXXX phones were delivered with a total amount {$3500.00}. I have placed a freeze for myself and my husband with the XXXX major credit reporting companies to prevent any further cases like this, hopefully.

Company Response:

State: IA

Zip: 50701

Submitted Via: Web

Date Sent: 2023-07-12

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7085186

Date Received: 2023-06-07

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: I deposited a settlement check in Monday of last week. Td bank put a 6 day hold on it. I called the bank the check was drawn on and they told me that check cleared days ago. Why is TD still holding my funds? The 6 days hold is not to hold people money hostage its to make sure re check clears and out it cleared why havent they released my money?

Company Response:

State: NY

Zip: 11434

Submitted Via: Web

Date Sent: 2023-06-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7084635

Date Received: 2023-06-07

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I have reported to all three credit repoting agencies, that TD Auto Finance was opened in my name without my consent. Attached with be the police report and FTC report to support my claim.

Company Response:

State: GA

Zip: 30087

Submitted Via: Web

Date Sent: 2023-06-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7084119

Date Received: 2023-06-07

Issue: Getting a credit card

Subissue: Application denied

Consumer Complaint: i got a notice on my credit report that someone was trying to open a card in my name. they were denied because they had the wrong address. i called the credit card company to report the inquiry.

Company Response:

State: UT

Zip: 84062

Submitted Via: Web

Date Sent: 2023-07-13

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7083810

Date Received: 2023-06-07

Issue: Closing an account

Subissue: Company closed your account

Consumer Complaint: On XX/XX/2023, at XXXX XXXX, I contacted customer service via phone and was informed that my account had been blocked due to unauthorized login attempts. The representative on the phone instructed me to visit any branch with my license to have the block removed. On XX/XX/2023, at around XXXX XXXX, I visited TD Bank in XXXX, NY to discuss my account with XXXX XXXX. However, I was advised to return the following day to speak with the fraud department as they had already closed for the day. On XX/XX/2023, at around XXXX XXXX, I went to TD Bank in XXXX, NY, and spoke with a representative who did not provide me with his business card. He informed me that my account had been closed due to activity on XX/XX/2023, at XXXX XXXX that did not comply with TD Bank guidelines. He declined to elaborate when asked for further details and only provided me with a card with the number XXXX. He did not disclose his name during our initial interaction. I am aware that my account has a negative balance and made a deposit of funds via XXXX on XX/XX/2023, which was unfortunately declined. I was also unaware that the bank offered the option to block my debit card from approving purchases when there were insufficient funds. Additionally, I have not been informed of the specific reason for the closure of my account. I have not received any phone calls, emails, or other forms of correspondence regarding this matter. I experienced feelings of humiliation during my interaction with the representative at TD Bank in XXXX, NY, and I believe that I was not treated with the respect that I deserved. I am seeking a resolution to this matter and request that TD Bank in XXXX, NY take appropriate steps to rectify the situation, such as inviting me back in to reestablish my account.

Company Response:

State: NY

Zip: 117XX

Submitted Via: Web

Date Sent: 2023-06-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7083648

Date Received: 2023-06-07

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: I made payments on this card in XX/XX/XXXX & XX/XX/XXXX without realizing I have never use the card or should I say, had the opportunity to use the card. Any charges on this card are UNAUTHORIZED!!

Company Response:

State: IL

Zip: 616XX

Submitted Via: Web

Date Sent: 2023-06-07

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7082945

Date Received: 2023-06-08

Issue: Managing an account

Subissue: Funds not handled or disbursed as instructed

Consumer Complaint: This case involves my checking account with TD Bank. On XX/XX/XXXX after midnight, I had fallen a victim to drug induced theft in XXXX XXXX, LA, where I got both of my cell phone and wallet stolen. I woke up in an unfamiliar area, and I had to get police involved to drive me to where I was staying. All of my IDs and debit/credit cards were in my wallet. The thief most likely used my face to open my cell phone using the face recognition while I was unconscious. The location tracking system of my phone had been turned off by the thief intentionally, so I could not trace my phone. While I was unconscious, the thief had used my credit cards to shop and use services. As soon as I recognized unauthorized transactions, I had contacted all of the banks and credit cards affected by the theft. Since the thief even had access to my email through the stolen phone, I was even more exposed to a bigger scam and vulnerable to the thief 's exploitation. What shocked me most was that some of the debit/credit card transactions had been used by entering the correct PIN. I still do not understand how the thief was able to find out the correct PIN, but it is possible that he or she was shoulder surfing while I was making a payment before the theft incident, or used some technology to crack my PIN. My stolen TD bank card was a XXXX debit card that I could use both as a debit or credit card. There was exactly {$100.00} in it. The bank statement shows {$3.00} of non-TD bank fees as well as {$3.00} insufficient fund fees, and {$93.00} of cash withdrawal. Applying logic and common sense, it is obvious that the thief had no idea how much money was in my TD account and tried to withdraw more than {$100.00}, which resulted in the {$3.00} insufficient fund fees. My debit/credit card with TD Bank was not the only card that was compromised. It was difficult to explain how the correct PIN was entered to other credit card companies that had been affected by this theft, but they all reversed the fraudulent transactions. I had explained that those transactions could not been made by me since I was not at the places that those transactions had taken place. I had provided my " alibi '' so to speak. For instance, I was at the police station making a statement when this TD cash withdrawal transaction happened. Although I had provided detail explanations along with the police report that I had filed, TD had used one dimensional approach, saying that the correct PIN was entered, so the transaction was legitimate. For the past 3 years or so, I had consistently maintained a similar balance in my account every month and never used anything for other than making payments or transfers. TD bank 's investigation did not even consider any other pieces of information and situational factors in my case and refused to reverse the withdrawal of {$93.00} just because correct PIN was entered. I obviously knew how much money I had in my account, and there is not even a TD bank or ATM in XXXX XXXX. After more than 3 years with TD bank, it is apparent that such a transaction is out of the ordinary for anyone who reads the statement. What is even more contradictory is that I had received a fraud alert after that withdrawal transaction happened and TD blocked my account, only after the withdrawal, and yet, when I requested a reversal of the withdrawal, TD refused to reverse {$93.00}. All of my other banks reversed transactions based on the information that I had provided although correct PIN was entered.

Company Response:

State: NJ

Zip: 07024

Submitted Via: Web

Date Sent: 2023-06-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7082223

Date Received: 2023-06-08

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for gl purpose.

Company Response:

State: GA

Zip: 30228

Submitted Via: Web

Date Sent: 2023-06-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7079849

Date Received: 2023-06-06

Issue: Problem with a purchase shown on your statement

Subissue: Card was charged for something you did not purchase with the card

Consumer Complaint: I am refiling this dispute because after I filed it the first time, the credit card company denied my dispute for the exact same reason they initially denied it -- it was denied because the credit card company says that the chip and card were in my possession. However, the fact that the chip and card were in my possession does not mean that fraud did not occur. So here is what happened : I was in the XXXX are of XXXX on XX/XX/2023. I got up at a private home, packed the rental car and drove to the airport. I made one stop to get gas, and that charge appears on my TD credit card statement and is legitimate. I then proceeded to the airport and did not use the card again in XXXX. When I got home and saw my transactions, I noticed that after the gas station charge there was another charge in the amount of {$310.00} US dollars for an alleged purchase at a restaurant called XXXX XXXX XXXX XXXX XXXX. I have never heard of that business, have never been to that business, and did not use my credit card at that business on XX/XX/2023. I searched that business name on line and the only thing that comes up is a business in XXXX XXXX that says it is temporarily closed. ( I was not anywhere near XXXX XXXX on XX/XX/XXXX. I have never been to XXXX XXXX. ) I suspect that when I was at the gas station, an unscrupulous attendant ran the card twice, once for my gas and then for a fraudulent transaction. On XX/XX/2023 I faxed TD Bank a dispute based on fraud with TD Bank and while they issued a new card number to me, they denied my fraud dispute the next business day because I was in possession of the card. Yes, I was in possession of the card -- I didn't lose it and it wasn't stolen. But just because you are in possession of a card doesn't mean that fraud can not occur. I question whether TD Bank even investigated the matter based on how quickly the dispute was denied. For example, did they try to contact the merchant in XXXX to see if they were a legitimate business? I doubt it. I do not think a proper investigation was conducted and am therefore filing this complaint. Just because the card was in my possession does not mean that fraud did not occur but the credit card company ( TD BANK ) keeps denying my dispute for that reason. Did they ever try to find out if this merchant that made the charge is legitimate because it isn't. In fact, I have tried to contact this merchant and THE MERCHANT DOES NOT EXIST! I am dissatisfied with TDs response to my dispute and would like TD to reopen the case and try to contact this merchant because if they do they will see that the merchant does not exist. THIS WAS FRAUD. The fact that the card was in my possession does not mean that the transaction was made by me. Thank you.

Company Response:

State: NY

Zip: 129XX

Submitted Via: Web

Date Sent: 2023-06-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.