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: 7988686

Date Received: 2023-12-13

Issue: Credit monitoring or identity theft protection services

Subissue: Billing dispute for services

Consumer Complaint: I took out a TD retail card for XXXXXXXX XXXX XXXXXXXX for {$4100.00} on XX/XX/XXXX. The account has the wrong mailing address and wrong last name. Furthermore, none of my 3 payments were processed. I was not informed of this by the company, instead I got a XXXX XXXX notice several months later in XXXX that my score decreased by XXXX points. I was also unaware that I had the following charges : - XX/XX/XXXXXXXX I was charged {$29.00} late fee - XX/XX/XXXX I was charged {$40.00} late fee - XX/XX/XXXXXXXX I was charged {$40.00} late fee Total : {$100.00} This is predatory and fraudulent because I did not receive any emails that the payments did not go through or that I had late fees. However, I received confirmation emails the 3 times I submitted payment that each payment was processed. Due to the credit company 's OWN error of having the wrong mailing address, I never received any paper notices that money was past due. I thought this whole time that I was in good standing, and not aware of the issues until AFTER the card services reported 2 missed payments. - XXXX, paid {$440.00} over the phone to bring my account to good standing so I could update my address. I was told they could reach out to the credit bureau to remove the false late payments. Customer service could not tell me why the payments were not processed, and blamed this on me. - XX/XX/XXXX, called to confirm the payment was processed, and was told my address was still incorrect, I owe more money, and that the company does not contact the credit bureaus. Prior to this I submitted payment : - XX/XX/XXXX {$1000.00}, email confirmed received XXXX, {$800.00}, email confirmed received XXXX, {$1000.00}, email confirmed received Total : {$2800.00} I am requesting that all late fees be reimbursed, that the 2 late payments be permanently removed from my credit report, and that my credit score be adjusted to what it was prior to those 2 marks. I have never missed a payment in over 7 years, this is the first incident, and it is not even my fault. My highest score in XXXX was XXXX before all this. I appreciate your understanding and help to resolve this dispute and reinstate my correct credit score.

Company Response:

State: NC

Zip: 27514

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: 7988628

Date Received: 2023-12-12

Issue: Getting a line of credit

Subissue:

Consumer Complaint: I am writing to bring to your attention an issue I have encountered regarding my recent loan application. Just recently, I received an email from TD bank regarding my cancelled application due to an " incomplete process '' on my end. I have diligently completed and resubmitted the necessary documentation, and I also took the initiative to speak with a manager at TD bank who assured me that the application had been successfully signed. Additionally, multiple representatives in the company along with the manager, confirmed that the application process was finalized and that the funds would be disbursed within a few days. However, it has come to my attention that despite the assurances given by the TD bank team, a technical issue on their end prevented the timely disbursement of the approved funds/approved loan. This unforeseen circumstance has resulted in an unnecessary hard inquiry on my credit report, causing both inconvenience and emotional distress. In light of the aforementioned challenges and the discrepancies between the information provided by their team and the actual outcome, I kindly request that the company consider removing the hard inquiry from my credit report/credit bureaus . It is crucial to emphasize that this discrepancy is a result of an error on their end and not due to any oversight on my part. I would like to draw your attention to the recorded interactions I have had with their customer service team, where they consistently assured me of the approval and completion of my application. These recordings serve as tangible evidence of the promises made, and I believe they will be valuable in resolving this matter. Lastly, it has taken this company nearly a month in a half to contact me. I have tried resolving this matter by phone with their customer service team as reflected below, yet, it was completely useless and inefficient. Phone number I called : XXXX XXXX : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number I called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company Response:

State: NY

Zip: 11208

Submitted Via: Web

Date Sent: 2023-12-12

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7986056

Date Received: 2023-12-12

Issue: Opening an account

Subissue: Unable to open an account

Consumer Complaint: I need a new online checking account for myself so I decided to apply for one as a US citizen but anytime I apply my application gets denied even though the company has pulled my credit report with a hard enquiry. I am confused why I am been denied.

Company Response:

State: NC

Zip: 273XX

Submitted Via: Web

Date Sent: 2023-12-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7985292

Date Received: 2023-12-11

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

Subissue: Transaction was not authorized

Consumer Complaint: Between XX/XX/2023 XX/XX/2023 money has been taken from my checking account fraudulently via on-line orders with my debit card for TD Bank. Many many dates, times, amounts, places, in the XXXX and other countries. The XXXX has labeled bank statements for every fraudulent transactions as well as denial letters from TD bank to return my money the XXXX also has copies of XXXX data breachs resulting in the release of all my personal information, XXXX breach happened XX/XX/2023 and the other taking place in XX/XX/2023, i was informed by letter from both companies in the month of XX/XX/2023. Whom ever is responsible also depleted my XXXX XXXX SSDI payment for the month of XX/XX/2023. As far as TD bank I sat in the branch for XXXX hours multiple times with concrete evidence that I was not responsible for debit transactions, example XX/XX/XXXX I was in XXXX XXXX XXXX XXXX Rhode Island XXXX while my card was being used in XXXX Georgia for XXXX new phone, restaurants, and shopping. I brought the hospital paperwork along with my bank statement for that date into the XXXX RI XXXX, I was called a liar by XXXX Banks XXXX XXXX, and once again I was denied my money back, Approximately XXXX dollars in total has been stolen from my account. Each complaint I filed was denied replacement of my money, XXXX complaints denied 3 times. I received a text message on XX/XX/XXXX from TD bank XXXX department asking me if I was paying for food at XXXX, I responded NO. My phone rang immediately, it was TD bank XXXX department the man on the phone again asked if I was making a purchase at XXXX restaurant, I replied again NO, at that time I informed him I was home, and I asked where XXXX was, he responded Georgia ... ... I was home in XXXX XXXX Rhode Island, that charge was STILL removed from my account.

Company Response:

State: RI

Zip: 02893

Submitted Via: Web

Date Sent: 2023-12-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7984985

Date Received: 2023-12-11

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: I have TD Convenience Banking checking account and applied for and received TD Cash credit card. The first full cycle was XX/XX/2023 for this card. In XXXX I set up " Auto-Pay '' to ON for minimum due on my credit card. My payments are due on first of each month. Auto pay is active since XX/XX/2023. On XX/XX/XXXX I noticed Auto-Pay did not go through and {$29.00} late fee was charged. When I log into the app it says Auto-pay has been active since XX/XX/2023 and there is enough balance in my checking account for this payment to have gone through. I have screen-shots from the app available if needed. On XX/XX/2023 around XXXX I called TD Banks customer service rep and spoke with " XXXX ''. I mentioned the issue and her answer was that due to a software patch the payments were'nt set up in their system. Yet I can see in the XXXX app that Auto-Pay is still active and ON. This seemed troublesome to me as no mention of this was made by TD Bank in any form of written communication prior. XXXX then transferred me to her supeervisor " XXXX '' upon my request. XXXX told me the same thing that a software update effected everyone whose payment was due at month end. Since 100s or 1000s of consumers may have been impacted by this, I feel its necessary to report this. TD Bank should have sent a letter informing customers that Auto-Pay for minimum due would not have worked due to this software update error. My opinion is this is a form of late-fee harvesting and needs to be investigated. I am available to provide corresponding screen-shots and my notes from discussion with representatives of the bank. Thank you.

Company Response:

State: NY

Zip: 111XX

Submitted Via: Web

Date Sent: 2023-12-11

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7984002

Date Received: 2023-12-11

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: XXXX XXXX XXXX XXXX {$34000.00} XXXX XXXX, XXXX XXXX XX/XX/2023 {$40000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 {$360.00} XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023XXXX XXXX XXXX XXXX XXXX

Company Response:

State: GA

Zip: 303XX

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: 7983418

Date Received: 2023-12-12

Issue: Improper use of your report

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

Consumer Complaint: I reviewed my credit report XXXX and was in complete shock with multiple duplicate inquiries I seen negatively impacting my credit and without consent. All on my XXXX credit report I have NEVER heard of a company called : XXXX. XXXX XXXX XXXX XXXX that appears on my XXXX Credit report XXXX XXXX. TD Auto Finance inquiries XXXX The below listed company did XXXX inquiries on my credit report which is excessive. XXXX XXXX XXXX, and XXXX. XXXX inquiry for an approval should be suffice, not XXXX.

Company Response:

State: FL

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-12-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7982410

Date Received: 2023-12-12

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: In summary, due to the multitude of inaccuracies reported by these furnishers to XXXX, and due to the irreparable harm to me caused by these furnishers, I am demanding these accounts to be deleted from my credit report immediately. I previously disputed these accounts in XX/XX/ and the furnishes and/or XXXX added more inaccurate and negative information to my credit report, resulting in my inability to now purchase a home. This was not the case prior to them adding additional inaccuracies to my credit report. These egregious inaccuracies have caused me to be denied credit and the inability to obtain a conventional mortgage. Due to these inaccuracies, I have been unable to secure a home for my family. I can not fully express to your agency how these errors and inaccuracies have caused me emotional duress, stress and the inability to generate wealth for my family. The details and my requests are attached to this complaint as a word document.

Company Response:

State: FL

Zip: 32259

Submitted Via: Web

Date Sent: 2023-12-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7980827

Date Received: 2023-12-11

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: On XX/XX/XXXX, we paid off our loan with TD Auto Finance. On XX/XX/XXXX, we called XXXX XXXX XXXX to confirm payment & title release. Currently, our account shows closed and no remaining balance. On XX/XX/XXXX, we called TD Auto Finance, and the representative stated the title was released on XX/XX/XXXX. As of XX/XX/XXXX, we still have not received the title. On this day, we called TD Auto Finance again, and the representative told us that she saw a couple of error messages on our account, XXXX involving the title and another on payment. The representative was helpful but was not able to provide any further information. TD Auto Finance has delayed our title release despite paying the account off. Also, with the call on XX/XX/XXXX, and the errors in our account, they have failed to communicate any issues/errors and have delayed our receipt of the title. We are selling the vehicle, and this delay and TD 's lack of communication and poor service have caused us a negative reputation with a buyer and the risk of financial harm, at the least. In the spring of XXXX, we will purchase a new vehicle. This experience and the XXXX XXXX XXXX XXXX article of XXXX XXXX will impact our choice of who we will use for financing. On XXXX at approximately XXXX AM Eastern Time, XXXX XXXX XXXX New Hampshire Department of XXXX XXXX XXXX They confirmed TD Auto Finance had not contacted them that the account is paid in full and the title will be released. This morning, XXXX, we called TD Auto Finance and the New Hampshire Department of XXXX XXXX XXXX NH XXXX XXXX. In a call with the NH XXXX, they informed us the error code being received by TD Auto Finance does not exist. The NH XXXX records are correct. The NH XXXX also informed us that there is no need for TD Auto Finance to contact the NH XXXX. We did everything right by paying our loan on time and paying it off, and TD Auto Finance is refusing to release our title. We have spent an enormous amount of time away from our jobs to make phone calls, which we should not have had to do. Based on conversations in many online forums, TD Auto Finance has a negative reputation, especially for holding titles XXXX.

Company Response:

State: NH

Zip: 034XX

Submitted Via: Web

Date Sent: 2023-12-11

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7978716

Date Received: 2023-12-10

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I am a victim of identity theft and was reviewing my credit report this fall to check for accuracy. On XX/XX/XXXX and XX/XX/XXXX I was denied an attempted to dispute an address on my credit report because two debts that are not mine is reporting to this unknown address.

Company Response:

State: WI

Zip: 53210

Submitted Via: Web

Date Sent: 2023-12-10

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.