TD Bank Credit Reporting Complaints

Review and analysis of 11 consumer complaints against TD Bank

Out of the 11 consumer complaints against TD Bank Credit Reporting, 45% were disputed by the consumer (i.e. the consumer was not happy with how TD Bank responded to their complaint) and 100% were processed in a timely manner. 18% of consumer complaints against TD Bank resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 18% resulted in non-monetary compensation.

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TD Bank transaction issue

December 24, 2015 - Target Red Card reported delinquent payment due to insufficient fund to the Credit Bureau which resulted in massive downgrade in the my credit score. The issue aroused because the payment has been taken out from my savings account as opposed to checking account. Although, the account has been initially set up as savings account by me, the credit card issuing company 's system does not provide any visible indication what type of the account the payment account is set up. It also does not provide that information in their payment confirmation detail. Without sufficient disclosure of where the pa...

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TD Bank problems caused by my funds being low

December 24, 2015 - - - i received a charge on my account form - ( furniture rental ) for - that was not valid. i filed a dispute that they stated would take up to 10 business days. they came stating i needed to provide documentation that this charge was not valid. but did not ask the vendor to provide documentation that it was.!!! of course they bounced everything in the account that would have been more than covered if the unauthorized charge was not there! the manager at the branch allowed me to withdraw cash pending dispute resolution which i appreciated or else i would not have been able to buy g...

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TD Bank problems caused by my funds being low

December 23, 2015 - I went away to college last year and opened my first student checking account at TD Bank. When I attempted to login to online banking through the TD website, I was encouraged to sign up for an overdraft protection program. I could n't figure out how to " get out of that '', so I signed up. Shortly thereafter, I overdrafted my account and since I was unaware that it happened, I overdrafted again the next day. A week later, TD notified me, via US mail, that my account was overdrawn and I owed $140.00 in fees. My mom helped me get $70.00 waived, and the customer service agent we spoke to unen...

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TD Bank payoff process

December 22, 2015 - I obtained a " - Card '' credit card from Target stores. I believe the card is owned by -. I 've been trying for over a week to pay my balance of $84.00 but they wo n't allow me to pay in cash or credit card. And are now attempting to collect late fees on the money they refute to accept. I moved and am changing banks and been asked repeatedly for my routing number. I do n't have a number for them until I have a permanent address. I 've bee told, after hours on the phone, three times to visit Target 's customer service and pay my bill with cash or credit card. I was even given a referen...

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TD Bank deposits and withdrawals

December 18, 2015 - I wrote a check drawn on my TD Bank checking account ( - Vermont branch ) on - -, - in the amount of $25.00 to the - - -. The check was altered to $250.00 by an unknown third person and presented for payment eight months later in -, -. The forged check was honored by TD Bank on - -, -, as reflected on my monthly statement of account. My wife, - -, a co-owner of the account, filled out an Affidavit of Forgery on - -, - and provided it to TD Bank Customer Service Representative - -. - - indicated that the matter would be forwarde...

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TD Bank credit determination

December 18, 2015 - I am a victim of identity theft. I have been disputing a Target account that does not belong to me.Account # -. This account is in dispute with all - credit bureaus as well as Target, and several government agencies. Target then, knowing the account was in dispute, CHECKED MY CREDIT. They had no authorization to do this. ...

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TD Bank other fee

December 17, 2015 - To Whom It May Concern, I, - -, recently reached out to customer service at Target Redcard regarding the above mentioned credit account. A brief summary of the past year for me includes a - where I had - and a - put in my -, as well as - - on my - with the most recent - on -/-/-. I am still recovering from the last -, all of which I was injured on my job as a -. The reason I disclosed this information is not for sympathy, but so that you would know why this issue was able to persist and continue for as long as it did, as well as in hopes that you will u...

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TD Bank other fee

December 17, 2015 - I am holding a REDCard credit card - Target ) issued by TD Bank. I had an automatically payment associated with my - bank account. Since I moved - on -, I am gradually switching to use my - bank account. I am plan everything carefully ahead of time. On - -, I added my - bank account as the default account for automatic payment, but for some reason, their online system did not allow me to delete the old account. I think it should be fine, since it clearly showed that my new bank account is the default, which, should be used as the first priority of course. I am dealing...

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TD Bank account opening, closing, or management

December 17, 2015 - I went into TD bank to close an account on -. They took my bank card and confirmed that the account was closed. Over the course of the month of -, they proceeded to keep the account open, and allowed multiple charges to go against it. When I came in to see why charges were being allowed against a - balance closed account, they told me that they had closed the account incorrectly. The manager was not in, so the amount that I was refunded out of the over $400.00 in overdraft fees was $100.00. I was told a manager would call me about the issue and help me get fully refunded. It is no...

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TD Bank problems caused by my funds being low

December 17, 2015 - TD Bank Routing # - Acct # - On -/-/2015, I withdrew - debit tranactions through my above mention checking account. I first with drew $5.00, and then $20.00 and remained with a postive balance. After the - prior withdrawals I withdrew $120.00 putting the account in overdraft for about $88.00. If TD bank did correct accounting my balance would have been - $88.00 plus - $35.00 according to the time stamp of the - - tranactions. Speaking to the customer service manager who refused to give her fullo name Employee # - informed me that when balancing they go b...

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TD Bank application, originator, mortgage broker

December 17, 2015 - Dear CFPB : My husband and I applied for a refinance with TD Bank, where we have our accounts, of our - - - home loan for our house - from a 30-year mortgage to a 15-year loan. We submitted all the forms to TD. The first issue that was problematic was that the loan officer, - -, repeatedly filled out inaccurate information on our loan documents including inaccurate salary information and insurance and tax rates, and was very difficult to reach to correct the problems. While we were working to get her to correct the information, TD Bank sent us a letter that our application wa...

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TD Bank transaction issue

December 17, 2015 - I used my Target M/C red card which is supposed to get me a 5 % discount on target purchases. I made a $23.00 purchase on -/-/2015 and they only gave me a $0.00 credit and said it is 5 %. I also noticed that they are not collecting the correct amount of tax which is 6 % in Florida as they only taxed $18.00 of my cat food purchase of $23.00. I suspect this has happened on all of my target red card purchases for the past 5- years. ...

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TD Bank problems caused by my funds being low

December 16, 2015 - Hello. i would like to report TD Bank for excessive overdraft fees, I had made one transaction with - on -/-/- which came out as - transactions instead of - and another transaction was made with - on -/-/-TD took out the - transaction first then took out the - transactions- .When I made - transaction there was a positive amount in my checking. The - transaction put my account into a negative balance. So because they didnt post transactions chronologically they charged me - bounced check charges instead of one. TD Bank makes a habit of doing this time an...

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TD Bank problems caused by my funds being low

December 16, 2015 - TD Bank stacks transactions to their own advantage. Especially when an ACH withdrawal comes in the same day as a direct deposit - they will always charge a $35.00 fee to pay whatever came in to be paid - even though the funds were available the same day the bill came in to be paid. When - used my acct as a backup source for funding - it overdrew my account - a $7.00 - charge incurred a $35.00 fee. Then the $140.00 in fees from TD Bank cause my acct to be overdrawn which overdrew ANOTHER couple of small transactions ( like $5.00 and $16.00 all under $20.00 transactions which...

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TD Bank problems caused by my funds being low

December 15, 2015 - On behalf of my son, a -, his student checking account was debited by TD Bank for $440.00 in overdraft fees from - -, 2015 - - -, 2015. Please see attachment. I believe TD Bank has inappropriately applied overdraft fees on his account in excessive amounts. Can you please investigate this matter? Thank you. ...

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TD Bank problems caused by my funds being low

December 15, 2015 - As a customer of TD Bank, my checking account was debited by TD Bank for $2500.00 in overdraft fees from - -, 2015 - - -, 2015. Please see attachment. I believe my bank has inappropriately applied overdraft fees on my account in excessive amounts. Can you please investigate this matter and any prior period? Thank you. ...

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TD Bank settlement process and costs

December 15, 2015 - I have made a purchase on a house I was scheduled to close on Monday, -/-/-. I initially applied for a mortgage loan through TD Bank back in -/-/-. However, the mortgage processor neglected to let anyone know there was only one piece of the information missing until today, which prevented me from being able to close on the house. Everything was set up to close today between myself, the title company and the realtor, except for TD Bank because have n't gotten around to review or finalize anything even though they have been recieving information for the past two months. I am now in the...

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TD Bank account opening, closing, or management

December 15, 2015 - I WAITED LITERALLY - MINUTES ON HOLD TO SPEAK TO SOMEONE ABOUT MY ACCOUNT TONIGHT -/-/2015 AND LITERALLY WHEN THE WOMAN CAME ON THE PHONE, I POLITELY COMPLAINED THAT 16 MINUTES WAS FAR TOO LONG TO WAIT FOR ANYONE, AND SHE RUDELY AND SIMPLY HUNG UP ON ME, CAUSING ME TO HAVE TO NOW CALL IN AGAIN AND RE-VERIFY MY ACCOUNT, AND NOW I AM ON HOLD AGAIN. I ANTICIPATE ANOTHER WAIT HOLD FOR - MINUTES FOR A VERY SIMPLE QUESTION COSTING ME MORE THAN - MINUTES OF MY PRECIOUS TIME AND DAY. I BILL -, WILL TD BANK OR THIS WOMAN COMPENSATE ME FOR THIS LOST UNNECESSARY TIME SPENT CHASING TD BANK ...

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TD Bank application, originator, mortgage broker

December 15, 2015 - TD bank keeps reporting me for the past 2 years as a open balance ...

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TD Bank unsolicited issuance of credit card

December 14, 2015 - I have applied for a Target REDcard while checking out at - of Target stores in -, TN ( On - - ). I made a one-time purchase when I applied ( back in - 2015 ). I never received any correspondence from Target REDcard at all. I only received a letter from - collection agency on - -, 2015. I called Target REDcard and they informed that the mail was returned!! ( probably due to invalid address ). I asked for them to contact the Credit Agencies to remove the bad credit that they reported. Target REDcard refused to remove the bad credit reporting. ...

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TD Bank other fee

December 14, 2015 - I have a Target Credit Card issued by TD bank. In - - 2015 the bank put a charge on my account - $25.00 returned payment fee. I called to the bank 's customer service and explained that I believed that the fee was a result of the bank 's computer system error : in the previous month, -, I logged into my account online and change the information for the payment account for my Target Credit card. The system informed me that the changes would take place starting the next month - -. However, The next month the changes were not applied and the payment on my Target credit card was draw...

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TD Bank account opening, closing, or management

December 11, 2015 - My company used TD Bank for our merchant services. Their fees were much higher than what they had initially quoted. Therefore I moved the merchant services to another bank. TD Bank refuses to stop charging me $28.00 per month for the merchant service even though there is no longer any merchant services. It is a small amount but they are in fact stealing my funds in my opinion. They also say I am under contract and to terminate the services I would be forced to pay more fees. I am not under any contract and feel this is just bullying on their part. ...

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TD Bank loan servicing, payments, escrow account

December 10, 2015 - After - 2015, TD Bank stopped detailing escrow activity on their mortgage statements. I called customer service and spent a great deal of time trying to recover this information for my own accounting purposes and was later told it was a " glitch '' in the system that has been going on " for a couple months. '' My understanding is that it is required by law for the lender to disclose this information on the monthly statement and the fact that I had to take additional time to procure it is not acceptable - especially after such an ample opportunity to resolve the " glitch. '' It matters a gre...

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TD Bank application, originator, mortgage broker

December 10, 2015 - TD Bank failed to provide timely and accurate information regarding the mortgage process. Further, TD Bank stopped responding to e-mails or requests for information once we expressed concern about the misinformation that was provided and their latency. - examples include : ( 1 ) When we completed our mortgage application, the loan processor referred to the new law but assured us that TD Bank could complete the mortgage process in 45 days. Additionally, the TD Bank website states that " generally, your mortgage will be ready to close in 30-45 days. '' Although our closing date was scheduled ...

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TD Bank unsolicited issuance of credit card

December 9, 2015 - Numerous credit cards were fraudulently opened in my name due to identity theft. I filed all necessary paperwork / affidavits / police report. Target said they did n't receive my paperwork. I resent and was told they would contact me when they received it. They forgot to contact me. They also forgot to process the paperwork. They have not forgotten to send me fraudulent bills for over $3000.00. They will not provide me with information on how to file a complaint. ...

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TD Bank making/receiving payments, sending money

December 9, 2015 - I was having dinner tonight at - - and tried to settle my bill for $160.00, my TD Bank card was declined. I contacted TD bank customer 's service line, instead of the service representative to me my card was blocked so I asked her to unblock my account and I requested to speak to a supervisor and was placed on hold for 10 minutes. The supervisor came on the line ask me to verify my identity and ask if I can authorise the transaction and I told her I already have with the call representative, but she did not and hung up the phone. I called back spoke to another representative and told h...

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TD Bank problems caused by my funds being low

December 9, 2015 - Am Having a Problem with TD Bank charging me several Overdraft fee the problem started -/-/2015 There was a checked that was deposit into my account For The Amount $34.00 and the checked was return due because they where no funds on the account so first TD Bank charges me and over draft fee $100.00 wish posted on -/-/2015 and then they charge me another overdraft for $35.00 Dollars on the account due beacuse of the check was not valid and they where no funds on the account am really fustrated of this scam td bank i been paying then overdraft fee for each transaction and they ...

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TD Bank account opening, closing, or management

December 9, 2015 - I filed a CFPB complaint against TD Bank on - -, 2015 - Case number -. TD Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that TD deposited $30.00 to my account as compensation. However, I never received any such deposit. Therefore, I filed a dispute on -, as a new complaint, Case # -. My new complaint disputed the $30.00 and repeated many of my original statements, as TD did not address them in its reply. On - -, TD replied simply that it had paid me $30.00 in - and therefore I...

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TD Bank deposits and withdrawals

December 8, 2015 - I am writing to inform you of my suspicion that TD Bank is using fraudulent/ deceptive business practices which allows them to collect nsf fees that are not rightfully owed. I 've tried to discuss this issue with TD bank several times and they are not willing to discuss this matter. I always check my account before I go to sleep and wake up the next morning. Yesterday I looked at my account and it said I was $33.00 overdrawn as a result of a - purchase I am on installment payments for. I screenshot the page. This was around -. TD 's policy is that you will not be charged a fee if you d...

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TD Bank problems when you are unable to pay problems when you are unable to pay

December 7, 2015 - TD Bank charged my account - with an overdraft fee of $100.00 when there was no reason for the overdraft. I want TD to inmidiately return the amount since in the last year they have charged me over $800.00 in overdraft fees. ...

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TD Bank credit determination

December 4, 2015 - On - -, I saw a TV sale at Target. I have a Target Credit Card and knew my limit was $4800.00. When I tried to purchase a $840.00 TV online, I was denied. I called Target and was told my limit now was $200.00. The Customer Service Person told me that in - 2015 my limit was reduced to $2000.00 and in - it was again reduced to $200.00. The reason for this reduction according to Customer Service was that I had not used the card in at least 9 months. He told me it was not my Credit Score and in 70 days they would review the limit again. However, I needed the TV now. The reas...

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TD Bank account opening, closing, or management

December 4, 2015 - -/-/- I opened up a joint TD Bank account ( with my mother ) for use while I was studying abroad. -/-/- I took out the balance from the bank account, walked into TD Bank and asked to close my account. The teller led my mother and I to a banker who reviewed the account information, and said that we do not have to do anything else but 'cut up our debit cards and discard them '. Since there was a - balance on the account, he will close it. After that date, I would receive statements from TD Bank. After contacting them several times, I was told that they are unaware of why I am receiv...

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TD Bank customer service / customer relations

December 3, 2015 - I received a letter from Target redcard. It asks me to activate my new card. I never received a new card and I have been trying for over an hour to get thru to them. ..and I do n't have the mins to sit and go thru the horrible automated system to report this missing card. I do not want to use the website and I have been trying to get thru to customer service and it just says I do n't recognize. I have a small balance on this card ... .wherever it is. I would like to make sure there are no fraudulent charges and let them know this new card is missing. I obviously do n't have the new card number...

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TD Bank cont'd attempts collect debt not owed debt was paid

December 3, 2015 - they said I payed my bill before there billing cycle was over, so the payment was used as a extra payment for the month. the following month no bill. when I recived my bill for the following month it had late fees on it. I called them and spoke with a supervisor, they said that was how it works per contract. this happened before and the fixed it. so later that month I did a refinance on my home and my bank took the equity to pay bills off, contacted all the people I owed and recived payoff amounts. what they gave them was what I owed. now the say I owe a late fee and a extra 20-30 dollars more...

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TD Bank billing disputes

December 1, 2015 - I had set up an electronic payment for my target credit card bill. Target never submitted the payment to my bank. They sent me a notice that the account or routing number I had entered was incorrect or that the account did not exist. The account did exist and was in good standing. I contacted target in response to their letter saying that they could n't process the online payment. The representative I spoke to was unable to take my account or routing number and gave me - pieces of misinformation ( documented in my letter to target attached here with ) I subsequently spoke to - other repr...

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TD Bank loan servicing, payments, escrow account

December 1, 2015 - Re : Breach of contract, plying false documentation, material misrepresentation, appending fees outside of the contractTD Bank services a mortgage loan, a contract assumed from a prior originator. The language of that contract is clear and specifies the real calendar date upon which a payment is received ( conveyed ). This definition is affirmed by years of prior TD bank behavior correcting any post-dating of a loan transaction to conform to the terms of the loan contract. This is important because, the terms of the contract can not be abridged or changed by any policy or arbitrary procedure o...

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TD Bank delinquent account

November 30, 2015 - My issue is that my Target Red Card account was put into collections and closed after I sent a check to pay off my account in full and on time on -/-/-. This was sent through the US mail and should have been processed in Target Red Card 's payment facility soon thereafter. In the time leading up to my account being closed and put into collections, I thought that my account was paid off. It seems that either the check did n't make it to them or was processed incorrectly. I received NO phone calls and NO collection notices. If I had realized it was n't paid off, I would have made it right i...

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TD Bank loan servicing, payments, escrow account

November 29, 2015 - TD Bank denied renewal of my home equity loan solely on the basis of age discrimination. This was not caused merely by poor customer service or incompetence, because no business can survive operating like that. Instead, from the start they were determined to undermine my income by repeatedly losing documents ( -, -. proof of consistent bank deposits, etc. ) I mailed and faxed those papers to them at least three times. Then they mysteriously disappeared. They then based my income solely on Social Security. I submitted proof of over $ -, but they kept losing the paperwork. When inform...

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TD Bank taking out the loan or lease taking out the loan or lease

November 29, 2015 - TD Bank has a loan on my credit report that no longer exists it 's for -plus dollars ...

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TD Bank closing/cancelling account

November 28, 2015 - This account was closed on -/-/2010 with a - balance and still showing on my credit report with -. ...

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TD Bank closing/cancelling account

November 28, 2015 - I want this account to be removed from - closed account -/-/09 with - balance. ...

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TD Bank closing/cancelling account

November 28, 2015 - This account was closed on -/-/09 want to be removed from my credit it 's already more than 6 years. ...

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TD Bank closing/cancelling account

November 28, 2015 - This account was closed on -/-/10 want to be removed from my credit it 's already more than 7 years. ...

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TD Bank closing/cancelling account

November 28, 2015 - This account was closed on -/-/08 want to be removed from my credit it 's already more than 7 years. ...

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TD Bank deposits and withdrawals

November 26, 2015 - I had requested an expedited external transfer for an additional $7.00 fee on -/-/2015. However, TD Bank failed to mention that the fee would be deducted from my account a few hours AFTER the transfer had been complete ( industry standard practice is to deduct the fee immediately ). This caused me to fall below my minimum daily balance of $100.00 by $7.00 ( to $93.00 ). I immediately transferred an additional $15.00 to the account just to be safe and avoid a fee for dropping below my minimum balance. However, I was charged $15.00 on -/-/15 ( -! What -! ) for falli...

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TD Bank problems caused by my funds being low

November 26, 2015 - I opened a small business account two years ago. At the time it was never explained to me that I had to opt in to not allow overdraft of my account. My company was a small operation and I was nave, thinking banking products were similar to personal banking products. I was switching banks and made it known to TD Bank, well one day my account went to - $6.00 and they continued to allow small purchases ( $5.00, $7.00, etc ) so that they could then hit me with $170.00 in overdraft fees. They would not refund these fees because they were not banking errors, even though other banks do it. Th...

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TD Bank other

November 25, 2015 - I went to use my card and vendor tryed to take card the card away several.times after Numberous time calling credit card company they assured me the card was good and i was in good standing somewhere along the line some untrained personal shut my card off. I even talked to supervisors numerous times trying to figure out why my card was not working assured me my card was good and i was in good standings every time that the card was good this has gone on for a month and half I finally got a hold of credit card company repersevive -/-/15 was discovered my my card was shut off for no reason ...

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TD Bank using a debit or atm card

November 25, 2015 - This is my - day ... Went to TD Bank on - and - - pa.. Walking in to try to speak with customer service. Mind you just to get a replacement card now as we speak I 've been here for 1hr and half.. Still have n't been seen they have multiple tellers but - customer service rep and she acts like she does n't want to even be here. I do n't understand I 've been to a few of your branches pa, ny but this - is - of the worst I 've ever been to.. - to say the fact I need my card to get my money but another day I will go with out - or I will have to go out my way to go to anot...

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TD Bank credit card protection / debt protection

November 24, 2015 - -/-/2015Dear Sirs, Most of my credit card companies issued new credit cards with chips in them and with the normal and identifying as a real credit card with raised account numbers and expiration dates. However, - - and Target issued fake looking credit cards with out the normal raised account numbers and raise expiration dates. - refused on -/-/- to issue a normal raise numbers card with a chip like most of credit card companies and I not able to get a hold of Target. Since it is possible to have the normal and more secure raised numbers with the new chip both ; I see no rea...

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TD Bank account opening, closing, or management

November 24, 2015 - I am filing a complaint against TD Bank. I opened - new accounts with the help of customer service. The accounts are as follows - and -. I am a regular customer and I deposit cash to my accounts. I have deposited CASH in worth - of dollars in the past. TD Bank did nothing to protect my cash investments. I was treated in an unprofessional manner by lower level people from customer service and from the - - - -, NY - location. One representative stated that they can pick who they do business with at the lower level. She stated it is her right to discriminate against peo...

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