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: 4774923

Date Received: 2021-10-04

Issue: Fees or interest

Subissue: Problem with fees

Consumer Complaint: XX/XX/2021 Td Bank charged me a late fee of XXXX dollars on XXXX finacing account. The payment was not due until the XX/XX/2021. I made my payment XX/XX/2021. I called them XX/XX/2021 ask them about the fee they said it would be automatically reversed off my account. They prematurely charged me a late fee before I was late. I asked if they can remove the late off the statement because I was never late. Ask to speak to a supervisor. They hung up on me. I need to show this statement for a different kind of credit application. But not with the late fee nor a statement reversal charge because I wasn't late. Now the days that the late charges where on the statement changes my compound interest on my deferred interest. And if I don't pay this promotion off in time they will accure more interest and more money off of me due to there error.

Company Response:

State: FL

Zip: 33407

Submitted Via: Web

Date Sent: 2021-10-04

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4774359

Date Received: 2021-10-02

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Consumer Complaint: I did not get the {$300.00} bonus after fulfilling offer terms. I did not have a checking account 12 months prior to account opening. But I did not get bonus with reason that I had an account 3-4 years back. Also I had to email them to remove monthly fees every month, although I kept the required {$2500.00} balance from beginning to avoid that fee.

Company Response:

State: FL

Zip: 34109

Submitted Via: Web

Date Sent: 2021-10-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4774129

Date Received: 2021-10-02

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Consumer Complaint: I did not get the {$300.00} bonus after fulfilling offer terms. I did not have a checking account 12 months prior to account opening. But I did not get bonus with reason that I had an account 3-4 years back.

Company Response:

State: FL

Zip: 34109

Submitted Via: Web

Date Sent: 2021-10-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4774116

Date Received: 2021-10-02

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Consumer Complaint: TD Bank is repeatedly mailing account opening bonus offers and not honoring them after fulfillment of terms by consumer. The terms are deceptive. The offer says the consumer should not have a checking account in last 12 months. But later on they are denying the bonus saying the consumer had a prior account 3-4 years ago. This has happened to me and 3 of my family members.

Company Response:

State: FL

Zip: 34109

Submitted Via: Web

Date Sent: 2021-10-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4773458

Date Received: 2021-10-02

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

Subissue: Investigation took more than 30 days

Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company Response:

State: CA

Zip: 93036

Submitted Via: Web

Date Sent: 2021-10-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4773454

Date Received: 2021-10-02

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

Subissue: Investigation took more than 30 days

Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company Response:

State: CA

Zip: 93036

Submitted Via: Web

Date Sent: 2021-10-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4773045

Date Received: 2021-10-02

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

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

Consumer Complaint: I have been a victim of identity theft which occurred in XX/XX/2019. As it was happening I began monitoring the fraudulent credit inquiries. The next month the perpetrator purchase two vehicles under my identity, using a counterfeited State drivers license. As the months with my I was confused about what to do, I contacted the FTC and the three credit bureaus. I discovered that since the investigation was still ongoing I could not get a accurate police report. I spoke to the dealerships and I was told that the fastest way to expedite this problem was to get a police report. After I was able to get a police report I was not able to get in contact with the credit companies, I have reached out and I have left messages, I have personally went to dealerships. Ive been promised to be called back but still shrugged off. I have sent disputes to the three credit bureaus with detailed reports and all of the corresponding information. My delinquent accounts still will not be taken off my credit summary. I am sinking further into debt. I just want this to end.

Company Response:

State: CA

Zip: 92804

Submitted Via: Web

Date Sent: 2021-10-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4772573

Date Received: 2021-10-01

Issue: Closing an account

Subissue: Can't close your account

Consumer Complaint: I called TD Bank on XXXX to request a closeout of a checking account that was opened in my name. The representative asked for my information and stated that they would close account out. They recommended that I file a police report. police report filed on XXXX. There was a {$0.00} balance and my local police department filed a report telling me that NY State data was stolen and accounts were being opened to collect unemployment benefits under fraud accounts. I received another statement from TD Bank on XXXX stating that the fraud checking account was still open and they could not close the account because I have to visit a branch in person to close the account. The nearest branch is about XXXX miles away from my residence.

Company Response:

State: NY

Zip: 14075

Submitted Via: Web

Date Sent: 2021-10-01

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4771837

Date Received: 2021-10-01

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: On XX/XX/2021, TD Bank accepted two checks for deposit made payable to me, my wife, as well as our lender XXXX XXXX XXXX XXXX. TD Bank cashed these checks despite the fact that the checks were not endorsed by any of the parties the checks were made payable to. The checks were in the amounts of {$13000.00} and XXXX respectively. TD Bank check detection contacted us by phone from XXXX to explain that an account holder had deposited the checks into their bank account on our behalf. We explained that the checks had not been received and no such permission had been granted. We later determined that the checks were mailed inadvertently to a previous address and stolen presumably by a TD Bank account holder. When we contacted TD Bank back to resolve the matter they refused to provide us with any information and do not return our calls. Copies of the checks provided clearly demonstrate that proper bank protocol was not followed. The following actions have been taken to no avail : a police report has been filed, USPS notified of the mail fraud, and affidavits filed at the issuing institution : XXXX XXXX XXXX. Copies of the documents have been attached.

Company Response:

State: FL

Zip: 32832

Submitted Via: Web

Date Sent: 2021-10-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4771675

Date Received: 2021-10-01

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: As described in multiple phone calls and a detailed letter to TD Bank, someone who had stolen my credit card information purchased a laptop computer from XXXX XXXX, charging {$950.00} to my credit card with TD Bank. When I received an email from XXXX XXXX on XX/XX/2021, that the laptop was ready to be picked up, I immediately called TD Bank and notified them of the fraudulent charge. They canceled the credit card number and sent me a new one. I asked them whether I needed to call XXXX XXXX, and I was told that TD Bank would take care of that. In a letter dated XX/XX/2021, which I received by regular mail several days later ( I XXXX XXXX XXXX on XX/XX/XXXX, so I may not have picked up my mail immediately ), TD Bank told me they were closing the dispute they opened on XX/XX/XXXX, because the item had shipped to my home. This was not true, as the information TD Bank had received from XXXX XXXX established : it said that two free items that were supposedly shipped to my home ( I ever received anything ), not the laptop computer, which was picked up at the XXXX VA store, about a two hour drive from my home in XXXX. I followed up with repeated calls to TD Bank to explain this. TD Bank has created more than barriers to communication. They have created barricades to communication. When I and my father have called, repeatedly, we have been told that a request to reopen the investigation has been submitted, that we can't talk to the investigators who make the decision whether to reopen the dispute, that a supervisor will call us back ( none has ), and that the dispute is closed so we have to pay the full credit card bill ( due tomorrow ; of course, we are willing to pay the credit card bill except for the fraudulent charge for the laptop computer ). We asked for a street address so we could send a complaint and confirm receipt ( we wanted to confirm receipt because TD Bank 's attention to this matter has been sporadic and unhelpful ). We were given a post office box and a facsimile number, and were told there is no street address where we can send the complaint by XXXX XXXX ( none is listed on the credit card agreement or the credit card, either ). We attach the letter we sent, providing more details. At this stage, all we are asking for is that the dispute be reopened so that we are not liable to pay the charge or to be assessed interest charges.

Company Response:

State: VA

Zip: 23223

Submitted Via: Web

Date Sent: 2021-10-01

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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