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: 3095363

Date Received: 2018-12-09

Issue: Advertising and marketing, including promotional offers

Subissue: Didn't receive advertised or promotional terms

Consumer Complaint: I have a Bank account with TD Bank and have been loyal to them for many yrs. Back in XX/XX/2018 I had opened a joint account for my wife and was offered a promotion cash card from TD where it would give XXXX cash back whether it be towards statements or rewards along with an XXXX XXXX XXXX. Promotion only applies if card is used at 500 or more within a 90 day window given the promo period. I had asked the rep during our sitdown if this would apply towards balance transfers as I had transferred a balance of 5000 over and she explained it would. After waiting a few months, I had called into TD customer service and explained i have not received my rewards and the rep on the phone explained there was a wait after the 90 days to receive the XXXX XXXX in the mail. I don't recall the specific detail as far as the time frame on the delivery but the there was a window period referenced during conversation. A few more months go by and still have not recevied any reward as promised and asked one of the tellers in the XXXX branch during a visit and explained it would have to be redeemed online. Being upset already, I went online to tdcardservices and did not see anywhere that I could redeem my reward and called in XX/XX/2018 and spoke to the card rewards dept. I explained the situation to the rep on the phone and she had apologized for the inconvience and explained she would speak to a manager in reference to the rewards promo. After a few moments, the same rep explained that the balance transfer does not apply towards the promotion and I would have to speak to the branch manager to help me in this situation. Being very upset at this point that the representative on the phone was unable to help me and giving me the run around and not offered the promotion as promised, I am very upset at this point and filed a complaint and to the point where I may close my account with TD bank account. I do not want to see someone lose a job over a situation like this but if you are providing false information intentionally and not being upfront honest simply for a commission spiff, then that is a company I would not like to do business with.

Company Response:

State: NJ

Zip: 08234

Submitted Via: Web

Date Sent: 2018-12-09

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3094971

Date Received: 2018-12-09

Issue: Improper use of your report

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

Consumer Complaint: I had my identity stolen by someone and had an unauthorized hard inquiries on my credit report. XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX/XXXX XX/XX/2017

Company Response:

State: CA

Zip: 90650

Submitted Via: Web

Date Sent: 2018-12-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3094589

Date Received: 2018-12-07

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: I was contacted by a representative representing Nordstrom Card Services back in XX/XX/2018. After advising her of my hardship, she recommended that I enroll in their re-aging program which allowed me to pay 3 monthly payments and then once competed successfully the account would be re-aged and brought back to good standing. I completed the program in XX/XX/XXXX. The account has yet to be re-aged and is still reporting negatively to the credit bureaus. Ive reached out at least 4 times to have this resolved. Spoke to someone twice who stated they would send the account back to a supervisor to have it re-aged. They advised it would take two weeks. Its been 30+ days and it is still in the same status. Ive attempted to call back again ; however, I am only allowed to leave a voicemail for a company called XXXX XXXX. Both representatives initially advised me to enroll in the program again as if I had never enrolled previously.

Company Response:

State: TX

Zip: 76706

Submitted Via: Web

Date Sent: 2018-12-07

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3094358

Date Received: 2018-12-07

Issue: Other transaction problem

Subissue:

Consumer Complaint: On XX/XX/2018 I sent my brother XXXX XXXX {$1400.00} through XXXX a third party. My little brother almost immediately received an email from TD Bank which I have attached which stated the money could not be transferred and was being sent bank to XXXX XXXX at XXXX XXXX XXXX. Obviously, when he told me about the email immediately checked my bank and noticed the {$1400.00} was not put bank in my bank. Immediately after, I called my bank, XXXX XXXX XXXX who said the transaction was failed and the money would be posted back in my account because that is what happens when a XXXX transaction FAILS. If the transaction was completed and it went into another account there is absolutely nothing they can do BUT that was not the case. After almost a week I called back and they told me that they have no idea what happened and I would have to file a claim which takes somewhere from 5 - 60 BUSINESS DAYS. Several days later I received a letter from the bank saying the claim has been completed and that the {$1400.00} was put into the wrong account at TD Bank. They stated that TD Bank would have to ask the customer/client for the funds back who received the funds. They said TD reached out to customer and customer declined to release those fund which is the craziest thing I have ever heard in my life. I decided I would call in every day until it was resolved. I know all calls are recorded and every time I called XXXX XXXX XXXX told me something different. The 2nd time I called in they said TD bank reached out to the customer and never received a response. Keep in mind I was laid off from my job during the time period so that {$1400.00} was vital to my life. I called in once again to XXXX where they escalated the call. They had the XXXX analyst reach out to the TD analyst who was handling this specific claim who told my XXXX analyst who was handling the claim that they have the {$1400.00} and they would give XXXX no more more information regarding this. XXXX XXXX XXXX told me to file a law suite against TD Bank. Again all calls are recorded and to me not only did they steal {$1400.00} but it caused me to move and late payments on all my loan and much much more.

Company Response:

State: FL

Zip: 32168

Submitted Via: Web

Date Sent: 2018-12-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3094034

Date Received: 2018-12-07

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company Response:

State: TN

Zip: 38016

Submitted Via: Web

Date Sent: 2018-12-07

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3093773

Date Received: 2018-12-07

Issue: Fraud or scam

Subissue:

Consumer Complaint: XX/XX/XXXX - {$350.00} deposit sent via XXXX ( TD Bank to XXXX XXXX to XXXX ) to XXXX XXXX in exchange for XXXX puppy to be sent from Texas to New York. XX/XX/XXXX - {$500.00} balance sent via XXXX ( TD Bank to XXXX XXXX to XXXX ) to XXXX XXXX XX/XX/XXXX - Received email from XXXX asking to send {$1000.00} cash in order to send the puppy in the correct size crate because the breeder 's was too large. This would be a return rental feeI that would be returned upon the receipt of the puppy and the return of the crate. I did not feel comfortable as not only was this not in my contract, but a legitimate breeder should know what size crate they need and on top of that the email was completely grammatically incorrect and used the same verbiage as the breeder. Suspecting a scam, I advised the breeder to take care of it as it is his business and this was not in my contract. He said he did not have the money which was another red flag, as an adult and a business owner you should have {$1000.00} cash or furthermore, why does it need to specifically be in cash? I immediately asked for my money back. The breeder pleaded with me not to cancel and I started getting calls from XXXX who were clearly no such company as they barely spoke english and had no business etiquette. They did not even understand when I asked to speak to a manager. I even called the XXXX XXXX XXXX XXXX International Airport asking if there really was a dog sitting in a crate and there was not. I found the real XXXX in XXXX and forwarded them the email asking if it had any affiliation which it did not and they agreed it sounded like a pet scam. After much back and forth, XXXX was shut down and I knew I had been scammed. XX/XX/XXXX I went to TD Bank asking to fill out a fraud complaint. They denied me and said there was nothing they could do. I knew that did not make sense as if the money had just disappeared or if it was a credit card they would have to do something. XX/XX/XXXX Reported an Internet Crime Complaint & also reported it to the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Filled out a police report with above information XX/XX/XXXX I went to a different TD Bank branch and they were very upset that the other branch did absolutely nothing to assist me. They helped me properly fill out a claim and advised it could take months and to check in after XXXX if I didn't hear from them first with further questioning. The report did not let you include much info, so they advised that when I received a call I could add information such as the police report that is vital to this whole claim. XX/XX/XXXX I called TD to check on my claim and add all the important information such as the police report, Internet Crime Complaint, and XXXX XXXX XXXX XXXX XXXX XXXX complaint. They said the case was already denied and closed on the XXXX. They claim a letter was sent but I have received XXXX communication from them. They advised I was misinformed in the branch that this could take months and I would be contacted, they said they've never heard of that and all cases are resolved within 7-10 business days.

Company Response:

State: NY

Zip: 11234

Submitted Via: Web

Date Sent: 2018-12-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3093269

Date Received: 2018-12-06

Issue: Problem with a purchase shown on your statement

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

Consumer Complaint: There was a charge on my card on XX/XX/XXXX to XXXX 's XXXX XXXX XXXX for {$130.00}. My son was at the bar and they asked for a card to run an on going tab. The bartender threw my son out as he was joking with some girls and the bartender did not like his actions. My son paid his tab in cash and left the bar. There were still 2 of his friends at the bar and the bartender told them he was going to fix my son and put through a bill on my credit card for the {$130.00}. I never signed for this voucher and neither did my son and this is what I have repeatedly told the Credit Card company. I have had numerous conversations with TD Visa asking for a copy of the voucher and have been told different stories everytime. They told me they mailed me the voucher numerous times also told me they were still waiting for the voucher and finally last month I was told the vendor never supplied them the voucher and now it is too late to get it, something about needing to get it in the first 2 months. I had originally asked for this voucher when I saw it on my XX/XX/XXXX statement and have a copy of a letter I filed with the Complaints Department with TD Card Services on XX/XX/XXXX after my conversation on the phone were going nowhere which I could provide you with.

Company Response:

State:

Zip: XXXXX

Submitted Via: Web

Date Sent: 2018-12-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3092988

Date Received: 2018-12-06

Issue: Fees or interest

Subissue: Unexpected increase in interest rate

Consumer Complaint: I applied for a TD bank card for 0 % charge for 15 months on balance transfers. I have the original paperwork. They now state it was only 12 months and are charging Interest at an extremely high rate. I contacted them to solve the problem and spoke with a supervisor who was not able to resolve the issue. I think they do this to scam people into using their card then charging high interest prior to end of agreement.

Company Response:

State: MD

Zip: 219XX

Submitted Via: Web

Date Sent: 2018-12-06

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3092502

Date Received: 2018-12-06

Issue: Managing an account

Subissue: Problem using a debit or ATM card

Consumer Complaint: In reference to fraud to account corresponding to CFPB Case XXXX. I have presented TD Bank with disclosure of concerns pertaining the fraudulent use of my account and identity theft. TD Bank has noted that the fraud claims presented under REG E claim XXXX and REG E XXXX have been resolved statinng appropriate action has been taken to resolve the matter and mitigate the losses of monies. To this date the remaining REG E claim has not been address appropriately corresponding to the same recurrence of fraud and identity thief for a debit card that was issue to a third party without my authorization. Further, I have requested the account to be close and will not be making business with TD Bank in demonstration of my disagreement with the poor practices of XXXX XXXX, Assistant Vice President, NMLS ID # XXXX who handed me a check with the balance corresponding to the credits to the account as resolution of fraud without even an acknowledgement of the consequences that this has had on me and my business. I have visited TD Bank located in XXXX XXXX and the teller XXXX XXXX has said that she would reach the corresponding department for appropriate action. I was hoping to meet with a customer relationship specialist, but XXXX XXXX thought that she would resolve my concerns from the teller window, which she failed to do. I certainly expect that regard be employed towards what this process has been and how I have been prevented from a proper resolution. In relation to the response to the previous CFPB complaint, I am not in understanding that the final REG E claim has not been handled with propriety to this date and expect appropriate action.

Company Response:

State: MA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2018-12-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3092230

Date Received: 2018-12-05

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: 4 years ago i had a TD Bank Bank account i keep it in good standing paying all these fees to them. on XX/XX/2014 they overdrafted my account illegality and accept a farude payment made by a merchent that i did not give authorization for to take form my account. in turn they sent me a threating letter of personal harm stating that i am in debt to them. They have broken the law and caused me not to have a bank account with other banks with their Negligence going close to Gross Negligence they did not make me whole and to this day they keep on trying to collect a fraudulent payment that they say i owe them. for 4 years i have been trying to fight these people and they just ignore me

Company Response:

State: FL

Zip: 32177

Submitted Via: Web

Date Sent: 2018-12-12

Company Response to Consumer: Closed with monetary relief

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.