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: 8014237

Date Received: 2023-12-17

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: I do not have knowledge of these inquiries made on my report. I had I had my identity stolen since XXXX without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company Response:

State: CA

Zip: 946XX

Submitted Via: Web

Date Sent: 2023-12-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8013430

Date Received: 2023-12-16

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: On XX/XX/2023 TD credit card charged my checking three times the amount due total amount is {$8200.00}. I called TD credit card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was told each time that I had to wait XXXX to XXXX business days, today is the XXXX business day.

Company Response:

State: NJ

Zip: 07002

Submitted Via: Web

Date Sent: 2023-12-16

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8010761

Date Received: 2023-12-15

Issue: Other features, terms, or problems

Subissue: Problem with rewards from credit card

Consumer Complaint: TD Card Services within the last year started a new cash rewards program, which they did not even notify me about via mail or email. I had to find out on my own by accident while googling something. Unfortunately I did not find this out until mid XXXX, and when I called about it and expressed I was upset that they did not notify me, naturally nothing was offered to me such as a {$50.00} credit towards my balance when it was an error on their end that I never received notification about this new program, which has been going on almost this whole year, so I had been missing out on a lot of rewards points. Had I known about it, I wouldve used this card for a lot more purchases and racked up a lot more points than I already had. And, if I had never stumbled across this information on the internet by accident, who knows how much longer I wouldve never known about it. Apparently never since they failed to notify me about this. You would think for that alone and the fact Ive been with them for like the last XXXX years, TD in general for the last XXXX years, that they wouldve offered me something. But of course not, because they dont care about whether or not they keep their customers apparently. And so this next part of the story really shows it. So back to when I called as soon as I found out about this new program which was XX/XX/XXXX or XXXX The agent gave me my options for the 3 % and 2 % cash back. There was gas, grocery, dining, entertainment and travel. I told her gas for 3 %, and dining for 2 %. I use my XXXX ( XXXX ) card for groceries, so it wouldnt make sense to use that for any of the higher percentages. I also dont go to shows or travel. Yesterday, XX/XX/XXXX, I was navigating on my account trying to find out how to collect on my rewards without calling in, and I stumbled across a section where you could see every transaction and how much cash back I received. I noticed for my dining purchases I had only received 1 % cash back. So I immediately called and asked why I was not receiving 2 % cash back for dining. The agent said I was getting 2 % for groceries. I said but I never told the previous agent that. TD can look at the history of my account and they will see there has not been one single grocery purchase in at least over the last several years. Thats because again I receive XXXX XXXX, so why would I tell the agent to make the 2 % for something I would never benefit from??? The agent said she would put in a request for someone to review the phone call and someone would get back to me, and this would take up to several business days. I spoke to that agent in the late afternoon. Miraculously I get a phone call from the person who supposedly reviewed the phone call the very next morning, this morning, at not even XXXX Claims she reviewed the phone call ( wow that was quick, being it takes up to several business days?? ), and that I had told the agent I wanted the 2 % for groceries IM-POSSIBLE. So this woman actually lied to me. I asked to listen to the phone call, and she refused!! My own phone call!! Yeah, thats what I thought!! Cant believe after all the business Ive given these people over the years, in several years more than half my life, that they would actually stoop that low to lie about listening to a phone call and denying me that phone call when its my call All to avoid having to make a few dollars worth of adjustments on my account Which really should be that plus a {$50.00} credit for failing t inform me about this new program in the first place So is this complaint over a few dollars? Certainly not. Who would go through all of this time and energy for a few dollars?? Its about principle, the way TD Card Services is treating me as who is supposed to be a valued customer. Between the last thing Ive had to file a complaint against them about, which was the only time Ive ever had to file a complaint against them in the XXXX years Ive had them but was within the last few months, and now this, I see that these people do not value their customers and I am prepared to close my account if they do make good on all of this, meaning both issues Ive had to file a complaint about. Because Ive had just about enough

Company Response:

State: NJ

Zip: 082XX

Submitted Via: Web

Date Sent: 2023-12-15

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8006742

Date Received: 2023-12-15

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Consumer Complaint: XX/XX/2023 I made a XXXX payment to what I thought was a legit company. Turns out it wasn't. Called my ( TD ) bank and they said they'd refund me 5-7 days but they didn't. Called today and they said claim was denied. They should have told me that day 1, instead of lie to me.

Company Response:

State: NH

Zip: 034XX

Submitted Via: Web

Date Sent: 2023-12-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8005828

Date Received: 2023-12-15

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: on XX/XX/, I file a petition for XXXX XXXX Bankruptcy in the northern district of Illinois case # XXXX in the petition TD AUTO account # XXXXincluded I have disputed with XXXX more than 4 times, and I was informed by XXXX that this account was verified as accurate showing a balance of past due of {$72000.00} for the last 8 months and reporting as a Charge off. both XXXX and TD Auto are in violation of the Fair Credit Reporting Act XXXX for fail to conduct a proper investigation under XXXX XXXX XXXX ( I ) ( A ) and TD AUTO for Violation of 15 USC 1581 ( S ) ( 2 ) B please see all the Exhibits and documentation that supports my facts, also I have informed XXXX XXXX XXXX of my disputes and no answer. I was discharged on XX/XX/2023 from the Bankruptcy. Court with the order of Discharge. And now I am asking the CFPB for help my Comsumer rights are being violated by TD AUTO & XXXX as of this date.

Company Response:

State: IL

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-12-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8005694

Date Received: 2023-12-15

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Consumer Complaint: On XX/XX/XXXX I mailed a check from inside the post office to XXXX XXXX to cover the cost of a municipal bond purchase. The check from XXXXXXXX XXXX ( check # XXXX ) was for {$15000.00} was made payable to my revocable trust. I was notified on XX/XX/XXXX that the bond company had not received my payment. I immediately notified XXXX XXXX and was told that the check was posted to my account on XX/XX/2023 by an unknown party indicating that the check had most likely been stolen from the mail. I visited XXXXXXXX XXXX the same afternoon completed the required fraud affidavits. Additionally I had XXXXXXXX XXXX wire funds to XXXX to cover my purchase. XXXXXXXX XXXX forwarded the fraud affidavits to TD Bank who had illegally cashed the check. To date TD Bank has not responded to any of XXXXXXXX XXXX repeatedly inquiries regarding the claim. Please note that the United States Postal Service was notified of the mail theft and is completing their investigation.

Company Response:

State: VA

Zip: 22015

Submitted Via: Web

Date Sent: 2023-12-15

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8002642

Date Received: 2023-12-14

Issue: Getting a credit card

Subissue: Application denied

Consumer Complaint: Request for Equal Credit Opportunity Act Compliance and Account Update Dear Underwriters, I am writing to bring to your attention certain provisions within the Purchase and Sale Agreement dated XXXX XXXX XXXX between Nordstrom , Inc., Nordstrom Credit , Inc., Nordstrom XXXX, and TD Bank USA, N.A. As an individual with a credit account at Nordstrom, I am particularly concerned about the impact of the agreement on my credit extension. I applied and received a denial notice on XXXX XXXX XXXX which is evidence of discrimination per the Equal Credit Opportunity Act. Your agreement defines " Acquired Assets '' to include all rights, titles, and interest in Credit Card Applications, which implies the inclusion of my credit application as part of the assets acquired. Additionally, the assumed liabilities encompass obligations to perform under Credit Card Agreements, including payments and credits, acknowledging TD Bank USA, N.A. 's role as a guarantor. I want to draw your attention to potential concerns under the Equal Credit Opportunity Act ( ECOA ). Section 12 CFR Part 1002 ( a ) of the ECOA explicitly states that a creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. Considering this, any denial of access to my credit extension with Nordstrom based on the acquisition of assets would be tantamount to discrimination under the ECOA. I request strict compliance with the ECOA and fair treatment in granting access to my extension of credit. Furthermore, I formally request, in consideration of the acquired asset for which value has been provided, access to my credit extension with Nordstrom. I appreciate your immediate attention to this matter and request written confirmation of the actions taken to address these concerns. Sincerely, XXXX XXXX XXXX

Company Response:

State: CA

Zip: 90220

Submitted Via: Web

Date Sent: 2023-12-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8002450

Date Received: 2023-12-14

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: I had a check bounce and TD bank has my account frozen now. My paychecks are still going into the bank yet they are unwilling to work with me to open the account back up or close it so I can receive my funds. I can't even log into the account to receive my account number or contact support on the secure line.

Company Response:

State: NC

Zip: 28451

Submitted Via: Web

Date Sent: 2023-12-14

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8001972

Date Received: 2023-12-14

Issue: Incorrect information on your report

Subissue: Old information reappears or never goes away

Consumer Complaint: TD AUTO FINANCE please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information between the 3 bureaus such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.

Company Response:

State: TX

Zip: 751XX

Submitted Via: Web

Date Sent: 2023-12-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8001948

Date Received: 2023-12-14

Issue: Fees or interest

Subissue: Problem with fees

Consumer Complaint: Td bank has repeatedly refused to correct inaccuracies with my XXXX account. They continue charging late fees even with every payment made on time. Td bank has my monthly amount incorrect, balances incorrect, total amount owed incorrect. I have documentation directly from XXXX verifying the monthly amounts, finance terms and balance owed. Td bank refuses to correct this on my account. They continue charging late fees for not paying the amount they have incorrect. My balance on some devices don't go down even with payments being made. My overall balance continues to increase even with payments made.

Company Response:

State: AL

Zip: 36067

Submitted Via: Web

Date Sent: 2023-12-14

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.