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Eastern Massachusetts, Maine, Rhode Island and Vermont
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Description

TD Bank, America’s Most Convenient Bank®, is one of the 10 largest banks in the U.S., with more than 25,000 Employees. The Bank offers a broad array of retail, small business and commercial banking products and services to more than 6.5 million Customers through its extensive network of more than 1,250 retail Stores throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that TD Bank meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

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Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for TD Bank include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 1332 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.

Customer Reviews  are not used in the calculation of the BBB Rating.

Industry Ratings Comparison | Chart


Customer Complaints Summary Read complaint details

1332 complaints closed with BBB in last 3 years | 376 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 69
Billing/Collection Issues 644
Delivery Issues 15
Guarantee/Warranty Issues 5
Problems with Product/Service 599
Total Closed Complaints 1332

Customer Reviews Summary Read customer reviews

114 Customer Reviews on TD Bank
Customer Experience Total Customer Reviews
Positive Experience 1
Neutral Experience 1
Negative Experience 112
Total Customer Reviews 114

Additional Information

top
BBB file opened: April 18, 2002 Business started: 01/01/1869 in MA Business incorporated: 01/01/1869 in MA
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Federal Deposit Insurance Corporation (FDIC)
15 Braintree Hill Office Park, Braintree MA 02184-0172
http://www.fdic.gov/
Phone Number: (877-275-3342) or TDD: 800-925-4618 or 781-794-5500
publicinfo@fdic.gov
The license number is 18409.

Type of Entity

Corporation

Business Management
Ms. Laurie Greczyn, Chairman's Service Center Ms. Mamie Prout, Chairman's Service Center Manager
Contact Information
Principal: Ms. Laurie Greczyn, Chairman's Service Center
Principal: Ms. Mamie Prout, Chairman's Service Center Manager
Number of Employees

23,000

Business Category

BANKS MORTGAGES-LENDER LOANS HOME EQUITY LOANS COMMERCIAL LOANS BANKS-SAVINGS Savings Institutions (NAICS: 522120)

Industry Tips
Adjustable Rate Mortgages Advance Fee Mortgage and Loan Brokers Applying for a Loan Choosing a Bank Home Equity Loans Loans Mortgages - Broker Read Before You Sign

Customer Review Rating plus BBB Rating Summary

TD Bank has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • THIS LOCATION IS NOT BBB ACCREDITED

    1 Old Dover Road, Merchant Plaza

    Rochester, NH 03867 (603) 335-3300

  • THIS LOCATION IS NOT BBB ACCREDITED

    1 Old Loudon Rd

    Latham, NY 12110 (518) 785-8628

  • 1 Portland Sq

    Portland, ME 04101 (207) 317-8816

  • 10 Great Falls Plz

    Auburn, ME 04210 (207) 753-5050

  • 10 Main St

    Peabody, MA 01960 (978) 538-3309

  • THIS LOCATION IS NOT BBB ACCREDITED

    10 N Main Street , Central Square

    Bristol , NH 03222 (603) 744-4800

  • 10 Tibbetts Dr

    Brunswick, ME 04011 (207) 721-8122

  • 100 Center Road  PO Box 8500

    Essex , VT 05451 (802) 878-3367

  • THIS LOCATION IS NOT BBB ACCREDITED

    100 Quaker Street

    Granville , NY 12832 (518) 642-1204

  • THIS LOCATION IS NOT BBB ACCREDITED

    1000 Lafayette Blvd

    Bridgeport, CT 06604 (203) 337-4306

  • THIS LOCATION IS NOT BBB ACCREDITED

    1003 W Main St

    Branford, CT 06405 (203) 315-7764

  • 101 Western Ave

    Augusta, ME 04330 (207) 622-1790

  • THIS LOCATION IS NOT BBB ACCREDITED

    10110 Metropolitan Ave

    Forest Hills, NY 11375 (718) 575-2791

  • 103 Shank Painter Rd

    Provincetown, MA 02657 (508) 487-9091

  • THIS LOCATION IS NOT BBB ACCREDITED

    104 Route 13, Gazebo Square

    Brookline , NH 03033 (603) 249-4006

  • THIS LOCATION IS NOT BBB ACCREDITED

    1040 E Jericho Tpke

    Huntington Station, NY 11746 (631) 427-0223

  • THIS LOCATION IS NOT BBB ACCREDITED

    105 E Central Ave

    Pearl River, NY 10965 (845) 735-5800

  • THIS LOCATION IS NOT BBB ACCREDITED

    105 Welles St

    Glastonbury, CT 06033 (860) 652-7152

  • 1067 Union St

    Bangor, ME 04401 (207) 947-0211

  • THIS LOCATION IS NOT BBB ACCREDITED

    107 Chatsworth Ave

    Larchmont, NY 10538 (914) 834-0871

  • 108 Main St

    North Andover, MA 01845 (978) 684-6612

  • THIS LOCATION IS NOT BBB ACCREDITED

    108-36/50 Queens Boulevard

    Forest Hills , NY 11375 (718) 793-3286

  • THIS LOCATION IS NOT BBB ACCREDITED

    1091 3rd Ave

    New York, NY 10005 (212) 753-2467

  • 1095 Route 28

    South Yarmouth, MA 02664 (508) 394-2222

  • THIS LOCATION IS NOT BBB ACCREDITED

    110 Hillside Ave

    New Hyde Park, NY 11040 (516) 616-5197

  • THIS LOCATION IS NOT BBB ACCREDITED

    1104 Avenue J

    Brooklyn, NY 11230 (718) 692-7206

  • 111 Main St

    Burlington, VT 05401 (802) 658-1010

  • THIS LOCATION IS NOT BBB ACCREDITED

    111 Mineola Ave

    Roslyn Heights, NY 11577 (516) 484-0167

  • 111 Ossipee Trail W, Hannaford

    Standish , ME 04084 (207) 642-7888

  • THIS LOCATION IS NOT BBB ACCREDITED

    1111 Post Rd E

    Westport, CT 06880 (203) 291-6690

  • 112 Main St

    Fairfield, ME 04937 (207) 453-9353

  • THIS LOCATION IS NOT BBB ACCREDITED

    1120 avenue of the Americas (43rd & 6th)

    New York City , NY 10036 (212) 354-6061

  • THIS LOCATION IS NOT BBB ACCREDITED

    1122 Kings Hwy # 1126

    Brooklyn, NY 11229 (718) 627-0174

  • THIS LOCATION IS NOT BBB ACCREDITED

    1127 Farmington Ave

    Berlin, CT 06037 (860) 829-5216

  • THIS LOCATION IS NOT BBB ACCREDITED

    1133 Main St

    Newington, CT 06111 (860) 666-4694

  • THIS LOCATION IS NOT BBB ACCREDITED

    115 Montauk Hwy

    Westhampton Beach, NY 11978 (631) 288-3914

  • THIS LOCATION IS NOT BBB ACCREDITED

    11624 Metropolitan Ave

    Richmond Hill, NY 11418 (718) 847-6547

  • 119 Route 6A

    Sandwich, MA 02563

  • 1197 Centre St

    Newton, MA 02459 (617) 244-0559

  • 12 Main St

    Orleans, VT 05860 (802) 854-8515

  • THIS LOCATION IS NOT BBB ACCREDITED

    12 Spring Valley Market Pl

    Spring Valley, NY 10977 (845) 426-4261

  • 121 Main St

    Buzzards Bay, MA 02532 (508) 759-7511

  • THIS LOCATION IS NOT BBB ACCREDITED

    122 Greenwich Ave

    New York, NY 10011 (212) 242-6681

  • THIS LOCATION IS NOT BBB ACCREDITED

    123 E Main St

    Plainville, CT 06062 (860) 793-6088

  • 1237 Main St

    Sanford, ME 04073 (207) 324-8946

  • THIS LOCATION IS NOT BBB ACCREDITED

    1240 1 Ave

    New York, NY 10065 (212) 288-1167

  • THIS LOCATION IS NOT BBB ACCREDITED

    1247 Main St

    Watertown, CT 06795 (860) 945-4723

  • THIS LOCATION IS NOT BBB ACCREDITED

    1249 Eastman Road, Mount Valley Mall

    North Conway, NH 03860 (603) 356-6397

  • THIS LOCATION IS NOT BBB ACCREDITED

    125 State St

    Albany, NY 12207 (518) 455-9912

  • THIS LOCATION IS NOT BBB ACCREDITED

    1254 W Main St

    Waterbury, CT 06708 (203) 573-8011

  • 1255 Bridge St

    Dracut, MA 01826 (978) 459-5860

  • THIS LOCATION IS NOT BBB ACCREDITED

    1255 S Willow St

    Manchester, NH 03103 (603) 695-3270

  • THIS LOCATION IS NOT BBB ACCREDITED

    1256 Central Ave

    Albany, NY 12205 (518) 438-2006

  • THIS LOCATION IS NOT BBB ACCREDITED

    126 Page Ave

    Staten Island, NY 10309 (718) 227-5071

  • 1265 Worcester Rd

    Framingham, MA 01701 (508) 879-7400

  • 127 Long Sands Rd

    York, ME 03909 (207) 363-3990

  • 127 South St

    Wrentham, MA 02093 (508) 384-8400

  • 1270 Massachusetts Ave

    Cambridge, MA 02138 (617) 576-8612

  • THIS LOCATION IS NOT BBB ACCREDITED

    128 Amity Rd

    Woodbridge, CT 06525 (203) 392-2308

  • THIS LOCATION IS NOT BBB ACCREDITED

    1289 Boston Post Rd

    Larchmont, NY 10538 (914) 834-0953

  • THIS LOCATION IS NOT BBB ACCREDITED

    1289 Foxon Rd

    North Branford, CT 06471 (203) 484-0415

  • 13 York St

    Swanton, VT 05488 (802) 868-7323

  • THIS LOCATION IS NOT BBB ACCREDITED

    1301 65th St

    Brooklyn, NY 11219 (718) 232-0039

  • THIS LOCATION IS NOT BBB ACCREDITED

    1350 Avenue of Americas (55th & 6th)

    New York City , NY 10019 (212) 918-4100

  • THIS LOCATION IS NOT BBB ACCREDITED

    1361 Boston Post Rd

    Milford, CT 06460 (203) 878-1522

  • THIS LOCATION IS NOT BBB ACCREDITED

    1361 Deer Park Ave

    North Babylon, NY 11703 (631) 242-0038

  • 138 Main St

    Pittsfield, ME 04967 (207) 487-3344

  • THIS LOCATION IS NOT BBB ACCREDITED

    14 Main St

    Hudson Falls, NY 12839 (518) 747-3308

  • 14 S Main St

    Waterbury, VT 05676 (802) 244-7891

  • 14 Sweden Street, Downtown Mall

    Caribou, ME 04736 (207) 498-2506

  • THIS LOCATION IS NOT BBB ACCREDITED

    1402 Lake Shore Rd

    Gilford, NH 03249 (603) 527-3700

  • THIS LOCATION IS NOT BBB ACCREDITED

    1407 2nd Ave

    New York, NY 10021 (212) 737-4890

  • THIS LOCATION IS NOT BBB ACCREDITED

    141 S River Rd

    Bedford, NH 03110 (603) 695-3333

  • 1410 Congress St

    Portland, ME 04102 (207) 879-4422

  • THIS LOCATION IS NOT BBB ACCREDITED

    143 N Main St

    Concord, NH 03301 (603) 229-5717

  • THIS LOCATION IS NOT BBB ACCREDITED

    143 S Main Street, Sedgwick Plaza

    West Hartford , CT 06107 (860) 561-7335

  • THIS LOCATION IS NOT BBB ACCREDITED

    145 Stewart Ave

    Bethpage, NY 11714 (516) 520-0296

  • THIS LOCATION IS NOT BBB ACCREDITED

    146 Main St

    Greenwich, NY 12834 (518) 692-2231

  • 15 Broad St

    Boston, MA 02109 (617) 742-9501

  • 15 Martin St

    Essex, MA 01929 (978) 768-6060

  • THIS LOCATION IS NOT BBB ACCREDITED

    15 Matthews St

    Goshen, NY 10924 (845) 294-5195

  • THIS LOCATION IS NOT BBB ACCREDITED

    15 Park Ave

    Clifton Park, NY 12065 (518) 373-7047

  • 15 Park St

    Framingham, MA 01702 (508) 424-7126

  • 150 Main St

    Amesbury, MA 01913 (978) 388-6300

  • THIS LOCATION IS NOT BBB ACCREDITED

    1504 3rd Ave

    New York, NY 10028 (212) 396-5740

  • THIS LOCATION IS NOT BBB ACCREDITED

    1521 E Boston Post Rd

    Mamaroneck, NY 10543 (914) 777-5775

  • 153 Merrimack St

    Haverhill, MA 01830 (978) 556-1031

  • THIS LOCATION IS NOT BBB ACCREDITED

    1540 Hylan Blvd

    Staten Island, NY 10305 (718) 987-2356

  • THIS LOCATION IS NOT BBB ACCREDITED

    155 Canal St

    New York, NY 10013 (212) 431-4146

  • THIS LOCATION IS NOT BBB ACCREDITED

    155 N Broadway

    Salem, NH 03079 (603) 893-1300

  • THIS LOCATION IS NOT BBB ACCREDITED

    156 A-B Dolson Avenue

    Middletown , NY 10940 (845) 344-2732

  • 1586 Main Street, Oxford Bank

    Oxford, ME 04270 (207) 743-8131

  • 16 E Main Street

    Searsport , ME 04974 (207) 548-6331

  • THIS LOCATION IS NOT BBB ACCREDITED

    16 Fresh River Rd

    Epping, NH 03042 (603) 679-8103

  • 16 Main St

    Topsfield, MA 01983 (978) 887-5140

  • THIS LOCATION IS NOT BBB ACCREDITED

    1600 Forest Ave

    Staten Island, NY 10302 (718) 816-8128

  • THIS LOCATION IS NOT BBB ACCREDITED

    1600 Hempstead Tpke

    East Meadow, NY 11554 (516) 222-0460

  • THIS LOCATION IS NOT BBB ACCREDITED

    1602 Avenue U

    Brooklyn, NY 11229 (718) 627-1487

  • 163 Broadway

    Farmington, ME 04938 (207) 778-6511

  • THIS LOCATION IS NOT BBB ACCREDITED

    1630 Shore Pkwy

    Brooklyn, NY 11214 (718) 265-3951

  • THIS LOCATION IS NOT BBB ACCREDITED

    1633 Broadway

    New York, NY 10019 (212) 246-2112

  • THIS LOCATION IS NOT BBB ACCREDITED

    1640 Barnum Ave

    Bridgeport, CT 06610 (203) 336-6285

  • THIS LOCATION IS NOT BBB ACCREDITED

    16406 Union Tpke

    Fresh Meadows, NY 11366 (718) 380-0994

  • 1641 Beacon St

    Brookline, MA 02445 (617) 739-2666

  • THIS LOCATION IS NOT BBB ACCREDITED

    1643 Post Rd

    Fairfield, CT 06824 (203) 256-7607

  • 1708 Falmouth Rd

    Centerville, MA 02632 (508) 771-1332

  • 173 Main St

    Thomaston, ME 04861 (207) 354-8751

  • 174 Newburyport Tpke

    Rowley, MA 01969 (978) 948-7736

  • THIS LOCATION IS NOT BBB ACCREDITED

    174 S Highland Ave

    Ossining, NY 10562 (914) 944-1593

  • THIS LOCATION IS NOT BBB ACCREDITED

    1744 Route 22

    Keeseville , NY 12944 (518) 834-7331

  • THIS LOCATION IS NOT BBB ACCREDITED

    175 Boston Post Rd

    Orange, CT 06477 (203) 891-0524

  • 175 Cabot St

    Beverly, MA 01915 (978) 524-2060

  • 175 Great Rd

    Bedford, MA 01730 (781) 275-7410

  • 175 Route 7 S

    Milton, VT 05468 (802) 893-5000

  • 176 Main St

    Bridgton, ME 04009 (207) 647-5884

  • 177 Broad St

    Hudson, MA 01749 (978) 562-2318

  • THIS LOCATION IS NOT BBB ACCREDITED

    177 Fairview Ave

    Hudson, NY 12534 (518) 828-9991

  • THIS LOCATION IS NOT BBB ACCREDITED

    18 Westage Business Ctr Dr Ste 15

    Fishkill, NY 12524 (845) 869-2347

  • 180 Waterman Drive, Millcreek Shopping Cntr

    South Portland , ME 04106 (207) 799-8189

  • THIS LOCATION IS NOT BBB ACCREDITED

    1806 Medford Avenue (Route 112)

    Nedford , NY 11763 (631) 289-3066

  • THIS LOCATION IS NOT BBB ACCREDITED

    1818 Victory Blvd

    Staten Island, NY 10314 (718) 720-5514

  • 182 Main St

    Waterville, ME 04901 (207) 873-3301

  • THIS LOCATION IS NOT BBB ACCREDITED

    1837 Richmond Ave

    Staten Island, NY 10314 (718) 982-1124

  • THIS LOCATION IS NOT BBB ACCREDITED

    184 Main St

    Norwalk, CT 06851 (203) 840-8968

  • THIS LOCATION IS NOT BBB ACCREDITED

    184 Route 81PO Box 610

    Killingworth, CT 06419 (860) 663-3894

  • 1840 Massachusetts Ave

    Lexington, MA 02420 (781) 863-2424

  • THIS LOCATION IS NOT BBB ACCREDITED

    185 Main St

    Westport, CT 06880 (203) 341-0490

  • THIS LOCATION IS NOT BBB ACCREDITED

    1850 South Rd

    Wappingers Falls, NY 12590 (845) 297-4127

  • 1855 Williston Rd

    South Burlington, VT 05403 (802) 658-0229

  • THIS LOCATION IS NOT BBB ACCREDITED

    1864 Williamsbridge Rd

    Bronx, NY 10461 (718) 409-1268

  • THIS LOCATION IS NOT BBB ACCREDITED

    1873 Broadway

    New York, NY 10023 (212) 245-0033

  • THIS LOCATION IS NOT BBB ACCREDITED

    18810 Hillside Ave

    Hollis, NY 11423 (718) 464-2183

  • THIS LOCATION IS NOT BBB ACCREDITED

    1886 Dover Road

    Epsom, NH 03234 (603) 229-5935

  • THIS LOCATION IS NOT BBB ACCREDITED

    19 Court St

    White Plains, NY 10601 (914) 686-9475

  • THIS LOCATION IS NOT BBB ACCREDITED

    191 W Montauk Hwy

    Hampton Bays, NY 11946 (631) 728-1312

  • THIS LOCATION IS NOT BBB ACCREDITED

    193 E Main St

    Mount Kisco, NY 10549 (914) 666-5841

  • 193A Boston Post Rd W

    Marlborough, MA 01752 (508) 303-6455

  • THIS LOCATION IS NOT BBB ACCREDITED

    196 E Main Street, Quarry Square (Route 16)

    Milford , MA 01757 (508) 634-3440

  • THIS LOCATION IS NOT BBB ACCREDITED

    19641 Northern Blvd

    Flushing, NY 11358 (718) 428-8649

  • THIS LOCATION IS NOT BBB ACCREDITED

    1995 Broadway

    New York, NY 10023 (212) 579-9418

  • 2 Barlows Landing Rd

    Pocasset, MA 02559 (508) 563-7105

  • 2 Church St

    Bellows Falls, VT 05101 (802) 463-4511

  • THIS LOCATION IS NOT BBB ACCREDITED

    2 Great Neck Rd

    Great Neck, NY 11021 (516) 466-0405

  • 2 Harbor Loop

    Gloucester, MA 01930 (978) 282-1200

  • THIS LOCATION IS NOT BBB ACCREDITED

    2 High StreetPO Box 310

    New Boston, NH 03070 (603) 487-3233

  • 2 Market Xing

    Plymouth, MA 02360 (508) 760-8811

  • THIS LOCATION IS NOT BBB ACCREDITED

    2 N Main St

    Wallingford, CT 06492 (203) 284-4081

  • 2 N Washington St

    North Attleboro, MA 02760 (508) 699-9500

  • THIS LOCATION IS NOT BBB ACCREDITED

    2 Wall St

    New York, NY 10005 (646) 344-4800

  • 20 Morrisville Plz

    Morrisville, VT 05661 (802) 888-7000

  • THIS LOCATION IS NOT BBB ACCREDITED

    200 Hofstra University (Student Center)

    Hempstead, NY 11549 (516) 489-1540

  • 200 US Route 1

    Falmouth, ME 04105 (207) 781-4701

  • THIS LOCATION IS NOT BBB ACCREDITED

    200 W 26th St

    New York, NY 10001 (212) 627-8209

  • THIS LOCATION IS NOT BBB ACCREDITED

    2025 Broadhollow Rd

    Farmingdale, NY 11735 (631) 845-5165

  • THIS LOCATION IS NOT BBB ACCREDITED

    2035 Broad St

    Hartford, CT 06114 (860) 956-8709

  • THIS LOCATION IS NOT BBB ACCREDITED

    204 Main Street

    Salem , NY 12865 (518) 854-7670

  • THIS LOCATION IS NOT BBB ACCREDITED

    205 E Main St

    Port Jervis, NY 12771 (845) 856-4437

  • THIS LOCATION IS NOT BBB ACCREDITED

    2084 N Main St

    Waterbury, CT 06704 (203) 759-2056

  • THIS LOCATION IS NOT BBB ACCREDITED

    21 E Main St

    Washingtonville, NY 10992 (845) 496-9147

  • 21 Elm St

    Woodstock, VT 05091 (802) 457-6808

  • THIS LOCATION IS NOT BBB ACCREDITED

    210 Prospect Park Sw # 212

    Brooklyn, NY 11218 (718) 437-1467

  • THIS LOCATION IS NOT BBB ACCREDITED

    21096 Broadway

    New York City , NY 10023 (646) 505-1118

  • THIS LOCATION IS NOT BBB ACCREDITED

    211 Montague St

    Brooklyn, NY 11201

  • THIS LOCATION IS NOT BBB ACCREDITED

    21432 Jamaica Ave

    Queens Village, NY 11428 (718) 464-5860

  • THIS LOCATION IS NOT BBB ACCREDITED

    215 High Street Commons Plaza

    Torrington , CT 06790 (860) 496-2179

  • 215 Main St

    Brattleboro, VT 05301 (802) 254-8711

  • THIS LOCATION IS NOT BBB ACCREDITED

    21610 Northern Blvd

    Bayside, NY 11361 (718) 428-5314

  • 217 High St

    Ellsworth, ME 04605 (207) 667-2536

  • 217 Main St

    Lewiston, ME 04240 (207) 795-5245

  • THIS LOCATION IS NOT BBB ACCREDITED

    2173 86th St

    Brooklyn, NY 11214 (718) 954-3700

  • THIS LOCATION IS NOT BBB ACCREDITED

    220 Main Street, Route 121

    Hampstead, NH 03841 (603) 329-6711

  • THIS LOCATION IS NOT BBB ACCREDITED

    224 W 57th St

    New York, NY 10019 (212) 397-2259

  • 224 Washington St

    Gloucester, MA 01930 (978) 282-3414

  • THIS LOCATION IS NOT BBB ACCREDITED

    225 N Broadway

    Hicksville, NY 11801 (516) 937-9501

  • 226 Falmouth Rd

    Hyannis, MA 02601 (508) 778-7182

  • THIS LOCATION IS NOT BBB ACCREDITED

    2260 Merrick Rd

    Merrick, NY 11566 (516) 377-2660

  • 228 Haverhill St

    Methuen, MA 01844 (978) 684-6608

  • 23 Market St

    Ipswich, MA 01938 (978) 356-7777

  • 23 Pleasant St

    Richmond, VT 05477 (802) 434-2226

  • 23 Portland Rd

    Gray, ME 04039 (207) 657-4991

  • 2300 St George Rd

    Williston, VT 05495 (802) 879-2100

  • THIS LOCATION IS NOT BBB ACCREDITED

    2301 Nott St E

    Niskayuna, NY 12309 (518) 347-0526

  • 232 S Main St

    Middleton, MA 01949 (978) 774-4345

  • 2345 Main St

    Tewksbury, MA 01876 (978) 658-7438

  • 235 Alewife Brook Pkwy

    Cambridge, MA 02138 (617) 498-3294

  • THIS LOCATION IS NOT BBB ACCREDITED

    235 Greenwich Ave

    Greenwich, CT 06830 (203) 622-4069

  • THIS LOCATION IS NOT BBB ACCREDITED

    237 Glen St

    Glens Falls, NY 12801 (518) 761-7385

  • 237 Main St

    Wareham, MA 02571 (508) 295-2100

  • 24 Winter St

    Boston, MA 02108 (617) 426-4591

  • THIS LOCATION IS NOT BBB ACCREDITED

    241 Marble Ave

    Thornwood, NY 10594 (914) 747-0938

  • THIS LOCATION IS NOT BBB ACCREDITED

    247 Long Beach Rd

    Oceanside, NY 11572 (516) 536-7638

  • 249 Worcester Ct

    Falmouth, MA 02540 (508) 548-5918

  • THIS LOCATION IS NOT BBB ACCREDITED

    25 Water Tower Plaza Route 12, Shaw's

    Leominster, MA 01453 (978) 840-1066

  • THIS LOCATION IS NOT BBB ACCREDITED

    25 Hudson St

    New York, NY 10013 (646) 613-1165

  • 25 Prospect Street & Rte 9

    Framingham , MA 01701 (508) 875-5291

  • THIS LOCATION IS NOT BBB ACCREDITED

    25 Wells Rd

    Wethersfield, CT 06109 (860) 571-7477

  • THIS LOCATION IS NOT BBB ACCREDITED

    250 Boston Post Rd

    Port Chester, NY 10573 (914) 937-3387

  • 250 Maine Mall Rd

    South Portland, ME 04106 (207) 774-7675

  • THIS LOCATION IS NOT BBB ACCREDITED

    251 E Main St

    Patchogue, NY 11772 (631) 289-1026

  • THIS LOCATION IS NOT BBB ACCREDITED

    252 Allen St

    New Britain, CT 06053 (860) 832-4152

  • THIS LOCATION IS NOT BBB ACCREDITED

    252 Peninsula Blvd

    Hempstead, NY 11550 (516) 292-2030

  • THIS LOCATION IS NOT BBB ACCREDITED

    2521 Broadway

    New York, NY 10025 (917) 493-5682

  • THIS LOCATION IS NOT BBB ACCREDITED

    254 Canal St

    New York, NY 10013 (646) 613-7043

  • THIS LOCATION IS NOT BBB ACCREDITED

    2549 Hempstead Tpke

    East Meadow, NY 11554 (516) 796-4975

  • THIS LOCATION IS NOT BBB ACCREDITED

    255 Main St

    Portland, CT 06480 (860) 342-0252

  • THIS LOCATION IS NOT BBB ACCREDITED

    255 W Main St

    Avon, CT 06001 (860) 674-5966

  • THIS LOCATION IS NOT BBB ACCREDITED

    258 Broadway

    New York, NY 10007 (212) 608-5034

  • THIS LOCATION IS NOT BBB ACCREDITED

    2585 South Rd

    Poughkeepsie, NY 12601 (845) 431-6106

  • THIS LOCATION IS NOT BBB ACCREDITED

    260 Park Ave S

    New York, NY 10010 (212) 533-6036

  • THIS LOCATION IS NOT BBB ACCREDITED

    260 Route 32

    Central Valley, NY 10917 (845) 928-2332

  • THIS LOCATION IS NOT BBB ACCREDITED

    262 Maple Street

    Henniker , NH 03242 (603) 428-3235

  • THIS LOCATION IS NOT BBB ACCREDITED

    263 1st N.H. Turnpike, Route 4

    Northwood, NH 03261 (603) 229-5905

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    269 5th Ave

    Brooklyn, NY 11215 (718) 499-2913

  • 27 E Allen St

    Winooski, VT 05404 (802) 655-3110

  • 27 Main St

    Oakland, ME 04963 (207) 465-7321

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    2700 Coney Island Ave

    Brooklyn, NY 11235 (718) 616-2200

  • THIS LOCATION IS NOT BBB ACCREDITED

    272 Elm St

    New Canaan, CT 06840 (203) 966-8222

  • THIS LOCATION IS NOT BBB ACCREDITED

    275 S Main St

    New City, NY 10956 (845) 634-0116

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    275 W Merrick Rd

    Valley Stream, NY 11580 (516) 825-2931

  • 276-S Main Street

    Rutland , VT 05701 (802) 773-3321

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    28 Maple Street

    Glens Falls , NY 12801

  • THIS LOCATION IS NOT BBB ACCREDITED

    28 Portsmouth Avenue, King's Highway Plaza

    Stratham , NH 03885 (603) 778-4278

  • 280 Main St

    Groveland, MA 01834 (978) 374-0501

  • 280 Montvale Ave

    Woburn, MA 01801 (781) 376-0100

  • 280 School St Ste B100

    Mansfield, MA 02048 (508) 339-2358

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    280 Trumbull St

    Hartford, CT 06103 (860) 251-7211

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    2822 Middle Country Rd

    Lake Grove, NY 11755 (631) 285-6850

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    2831 Broadway

    New York, NY 10025 (212) 932-7859

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    285 Mamaroneck Ave

    White Plains, NY 10605 (914) 428-3526

  • THIS LOCATION IS NOT BBB ACCREDITED

    29 Main St

    East Hartford, CT 06118 (860) 568-4980

  • THIS LOCATION IS NOT BBB ACCREDITED

    29 S Main St

    West Hartford, CT 06107 (860) 561-8995

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    290 Merrick Rd

    Rockville Centre, NY 11570 (516) 593-2148

  • 299 Elm St

    Biddeford, ME 04005 (207) 283-8590

  • THIS LOCATION IS NOT BBB ACCREDITED

    2990 Main Street

    Peru, NY 12972 (518) 643-2387

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    2992 Dixwell Ave

    Hamden, CT 06518 (203) 287-4985

  • 3 Roche Brothers Way

    North Easton, MA 02356 (508) 238-1628

  • THIS LOCATION IS NOT BBB ACCREDITED

    30 E Main St

    Orange, MA 01364 (978) 544-6915

  • 30 State Rd

    Kittery, ME 03904 (207) 439-2066

  • THIS LOCATION IS NOT BBB ACCREDITED

    300 W 125th St

    New York, NY 10027 (212) 280-0756

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    301 Fifth Ave

    Pelham, NY 10803 (914) 235-0019

  • 301 Railroad St

    St Johnsbury, VT 05819 (802) 748-3185

  • 305 2nd Ave

    Waltham, MA 02451 (781) 466-8105

  • 305 S Broadway

    Lawrence, MA 01843 (978) 684-6614

  • 31 Cross St

    Peabody, MA 01960 (978) 531-5414

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    3104 Ditmars Blvd

    Astoria, NY 11105 (718) 267-5100

  • THIS LOCATION IS NOT BBB ACCREDITED

    317 Madison Ave

    New York, NY 10017 (212) 651-2700

  • THIS LOCATION IS NOT BBB ACCREDITED

    319 Glen Head Rd

    Glen Head, NY 11545 (516) 671-2808

  • THIS LOCATION IS NOT BBB ACCREDITED

    3190 Steinway St

    Astoria, NY 11103 (718) 269-6000

  • 32 Mammoth Rd

    Lowell, MA 01854 (978) 459-5830

  • THIS LOCATION IS NOT BBB ACCREDITED

    320 Route 25A

    Rocky Point, NY 11778 (631) 209-2453

  • THIS LOCATION IS NOT BBB ACCREDITED

    3222 Sunrise Hwy

    Wantagh, NY 11793 (516) 781-0255

  • 33 Low St

    Newburyport, MA 01950 (978) 463-6401

  • THIS LOCATION IS NOT BBB ACCREDITED

    331 Main St

    Durham, CT 06422 (860) 348-0821

  • 34 School St

    Rockland, ME 04841 (207) 596-6641

  • THIS LOCATION IS NOT BBB ACCREDITED

    340 Aviation Road, Evergreen Plaza

    Queensbury , NY 12804 (518) 798-0070

  • THIS LOCATION IS NOT BBB ACCREDITED

    343 Delaware Ave

    Delmar, NY 12054 (518) 439-1874

  • 35 Elm St

    Brunswick, ME 04011 (207) 729-7378

  • THIS LOCATION IS NOT BBB ACCREDITED

    350 Canada St

    Lake George, NY 12845 (518) 668-5486

  • 350 Westford St

    Lowell, MA 01851 (978) 459-5800

  • 351 Swanton Road Highgate Plaza

    St. Albans , VT 05478 (802) 527-8480

  • 36 N Main St

    Barre, VT 05641 (802) 479-3313

  • 361 Pond St

    Ashland, MA 01721 (508) 881-6894

  • THIS LOCATION IS NOT BBB ACCREDITED

    3660 Lee Rd

    Jefferson Valley, NY 10535 (914) 245-1132

  • 370 Main St

    Hyannis, MA 02601 (508) 862-6505

  • THIS LOCATION IS NOT BBB ACCREDITED

    3755 E Tremont Ave

    Bronx, NY 10465 (718) 319-1037

  • 38 Main St

    Lisbon Falls, ME 04252 (207) 353-8531

  • 38 Nathan Ellis Hwy

    Mashpee, MA 02649 (508) 477-8492

  • THIS LOCATION IS NOT BBB ACCREDITED

    38 Purchase St

    Rye, NY 10580 (914) 921-0329

  • THIS LOCATION IS NOT BBB ACCREDITED

    380 Main Ave

    Norwalk, CT 06851 (203) 846-6072

  • 380 Washington St

    Wellesley, MA 02481 (781) 235-1005

  • THIS LOCATION IS NOT BBB ACCREDITED

    3819 Main St

    Flushing, NY 11354 (718) 353-0224

  • THIS LOCATION IS NOT BBB ACCREDITED

    3852 Main St

    Warrensburg, NY 12885 (518) 623-2666

  • 39 Main St

    Stowe, VT 05672 (802) 253-7368

  • 391 Market St

    Brighton, MA 02135 (617) 782-1240

  • 397 Palmer Ave

    Falmouth, MA 02540 (508) 540-4176

  • 4 Hannaford Dr

    Scarborough, ME 04074 (207) 883-5509

  • 4 Main St

    Essex Junction, VT 05452 (802) 878-6900

  • 4 Scammon St Ste 6

    Saco, ME 04072 (207) 284-4711

  • 40 Main St

    Orleans, MA 02653 (508) 255-0320

  • THIS LOCATION IS NOT BBB ACCREDITED

    40 Springfield St

    Agawam, MA 01001 (413) 748-8528

  • THIS LOCATION IS NOT BBB ACCREDITED

    40 State Route 101A

    Amherst, NH 03031 (306) 249-4009

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    401 5th Ave

    New York, NY 10016 (212) 679-2270

  • 41 Drum Hill Rd

    Chelmsford, MA 01824 (978) 459-5850

  • 411 Broadway

    Revere, MA 02151 (781) 284-2650

  • THIS LOCATION IS NOT BBB ACCREDITED

    411 Washington Ave

    Kingston, NY 12401 (845) 338-3016

  • THIS LOCATION IS NOT BBB ACCREDITED

    4126 Merrick Rd

    Massapequa, NY 11758 (516) 541-1116

  • THIS LOCATION IS NOT BBB ACCREDITED

    414 Broad St

    Bristol, CT 06010 (860) 584-4773

  • 420 Franklin St

    Framingham, MA 01702 (508) 879-7525

  • 421 Boston Post Rd

    Sudbury, MA 01776 (978) 579-6912

  • 421 Lincoln St

    Hingham, MA 02043 (781) 749-6781

  • 424 Main Street

    Barton , VT 05822 (802) 525-6521

  • THIS LOCATION IS NOT BBB ACCREDITED

    4240 Albany Post Rd

    Hyde Park, NY 12538 (845) 229-2675

  • THIS LOCATION IS NOT BBB ACCREDITED

    425 Smithtown Byp

    Hauppauge, NY 11788 (631) 979-5028

  • 427 Main Street

    Enosburg Falls, VT 05450 (802) 933-4347

  • THIS LOCATION IS NOT BBB ACCREDITED

    430 W Boylston St

    Worcester, MA 01606 (508) 856-9000

  • THIS LOCATION IS NOT BBB ACCREDITED

    437 Wport Avenue

    Norwalk , CT 06851 (203) 845-0227

  • 44 Granite St

    Braintree, MA 02184 (781) 794-0103

  • THIS LOCATION IS NOT BBB ACCREDITED

    44 Huntington Plz

    Huntington, CT 06484 (203) 225-7991

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    4401 Amboy Rd

    Staten Island, NY 10312 (718) 966-1619

  • THIS LOCATION IS NOT BBB ACCREDITED

    444 Madison Ave

    New York, NY 10022 (212) 308-7046

  • 449 Boston Rd

    Billerica, MA 01821 (978) 667-4106

  • 449 Forest Ave

    Portland, ME 04101 (207) 774-1733

  • 45 Central St

    Lowell, MA 01852 (978) 454-1114

  • 450 Essex St

    Lawrence, MA 01840 (978) 684-6604

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    4526 13th Ave

    Brooklyn, NY 11219 (718) 686-0035

  • 457 Broadway

    Chelsea, MA 02150 (617) 884-2650

  • 46 N Main St

    Rutland, VT 05701 (802) 786-4182

  • THIS LOCATION IS NOT BBB ACCREDITED

    460 Newton St

    South Hadley, MA 01075 (413) 534-1643

  • THIS LOCATION IS NOT BBB ACCREDITED

    463 Broadway

    Monticello, NY 12701 (845) 794-8901

  • THIS LOCATION IS NOT BBB ACCREDITED

    465 N Main St

    East Longmeadow, MA 01028 (413) 748-8535

  • THIS LOCATION IS NOT BBB ACCREDITED

    466 Foxon Blvd

    New Haven, CT 06513 (203) 468-2981

  • THIS LOCATION IS NOT BBB ACCREDITED

    468 Route 211 East-Orange Plaza

    Middletown , NY 10940 (845) 343-7680

  • THIS LOCATION IS NOT BBB ACCREDITED

    469 Fashion Ave

    New York, NY 10018 (212) 244-7201

  • THIS LOCATION IS NOT BBB ACCREDITED

    47 3rd Ave

    New York, NY 10003 (212) 253-2010

  • THIS LOCATION IS NOT BBB ACCREDITED

    47 Plaistow Road, Route 125

    Plaistow, NH 03865 (603) 382-4127

  • THIS LOCATION IS NOT BBB ACCREDITED

    474 Portion Rd

    Lake Ronkonkoma, NY 11779 (631) 588-1564

  • THIS LOCATION IS NOT BBB ACCREDITED

    475 Park Ave S

    New York, NY 10016 (212) 634-2920

  • THIS LOCATION IS NOT BBB ACCREDITED

    475 Port Washington Blvd

    Port Washington, NY 11050 (516) 767-0496

  • 476 Main St

    Melrose, MA 02176 (781) 662-2007

  • THIS LOCATION IS NOT BBB ACCREDITED

    479 E Main St

    Bay Shore, NY 11706 (631) 665-0975

  • 48 Main Street

    Chester, VT 05143 (802) 875-2151

  • 481 Congress St

    Portland, ME 04101 (207) 761-8711

  • THIS LOCATION IS NOT BBB ACCREDITED

    485 Montauk Hwy

    West Islip, NY 11795 (631) 422-0604

  • THIS LOCATION IS NOT BBB ACCREDITED

    4865 Main Street

    Bridgeport , CT 06606 (203) 365-8495

  • THIS LOCATION IS NOT BBB ACCREDITED

    490 Rockaway Tpke

    Lawrence, NY 11559 (516) 239-5932

  • THIS LOCATION IS NOT BBB ACCREDITED

    493 Heritage Rd

    Southbury, CT 06488 (203) 267-1863

  • THIS LOCATION IS NOT BBB ACCREDITED

    4945 Lake Shore Drive

    Bolton Landing , NY 12814 (518) 644-3421

  • THIS LOCATION IS NOT BBB ACCREDITED

    495 Central Ave

    White Plains, NY 10606 (914) 946-1114

  • THIS LOCATION IS NOT BBB ACCREDITED

    497 US Route 202, Cheshire Marketplace

    Rindge, NH 03461 (603) 899-7000

  • THIS LOCATION IS NOT BBB ACCREDITED

    5 Park Plz

    Mechanicville, NY 12118 (518) 664-5129

  • THIS LOCATION IS NOT BBB ACCREDITED

    50 Charles St

    Westport, CT 06880 (203) 291-6676

  • 500 Main St

    Bennington, VT 05201 (802) 447-7533

  • THIS LOCATION IS NOT BBB ACCREDITED

    500 Old Country Rd

    Plainview, NY 11803 (516) 931-2027

  • THIS LOCATION IS NOT BBB ACCREDITED

    500 Park Ave

    New York, NY 10022 (212) 688-3152

  • THIS LOCATION IS NOT BBB ACCREDITED

    503 Middlebury Rd

    Middlebury, CT 06762 (203) 758-8093

  • 508 Wilson St

    Brewer, ME 04412 (207) 989-7599

  • THIS LOCATION IS NOT BBB ACCREDITED

    51 Main St

    Warwick, NY 10990 (845) 986-6011

  • 51 State St

    Newburyport, MA 01950 (978) 463-7105

  • THIS LOCATION IS NOT BBB ACCREDITED

    515 Route 17M & Still Road

    Monroe , NY 10950 (845) 782-3641

  • THIS LOCATION IS NOT BBB ACCREDITED

    516 Central Ave

    Cedarhurst, NY 11516 (516) 569-4828

  • THIS LOCATION IS NOT BBB ACCREDITED

    517 Larkfield Rd

    East Northport, NY 11731 (631) 368-2914

  • 519 Route 134

    South Dennis, MA 02660 (508) 760-2266

  • THIS LOCATION IS NOT BBB ACCREDITED

    52 E Street

    Ludlow , MA 01056 (413) 589-8910

  • THIS LOCATION IS NOT BBB ACCREDITED

    530 William Floyd Pkwy

    Shirley, NY 11967 (631) 395-1005

  • 535 Boylston St

    Boston, MA 02116 (617) 266-0740

  • THIS LOCATION IS NOT BBB ACCREDITED

    535 Columbus Ave

    New York, NY 10024 (212) 580-6092

  • 536 Route 28

    Harwich Port, MA 02646 (508) 432-1100

  • 54 Central St

    Foxborough, MA 02035 (508) 543-5300

  • THIS LOCATION IS NOT BBB ACCREDITED

    54 Quaker Rd

    Queensbury, NY 12804 (518) 792-0740

  • THIS LOCATION IS NOT BBB ACCREDITED

    540 Jericho Tpke

    Mineola, NY 11501 (516) 741-4261

  • 547 Broadway

    Methuen, MA 01844 (978) 684-6602

  • 55 Dodge St

    Beverly, MA 01915 (978) 524-2087

  • THIS LOCATION IS NOT BBB ACCREDITED

    55 Post Rd

    Darien, CT 06820 (203) 662-8000

  • THIS LOCATION IS NOT BBB ACCREDITED

    550 Long Beach Blvd

    Long Beach, NY 11561 (516) 889-1119

  • THIS LOCATION IS NOT BBB ACCREDITED

    555 New Rd

    Hamden, CT 06518 (203) 287-5109

  • THIS LOCATION IS NOT BBB ACCREDITED

    5555 Merrick Rd

    Massapequa, NY 11758 (516) 541-6886

  • 56 Portland Rd

    Kennebunk, ME 04043 (207) 985-6544

  • THIS LOCATION IS NOT BBB ACCREDITED

    5650 Main St

    Flushing, NY 11355 (718) 888-0129

  • 57 Main St

    Wayland, MA 01778 (508) 651-0542

  • THIS LOCATION IS NOT BBB ACCREDITED

    57 South St

    Milford, NH 03055 (603) 249-4014

  • 58 Bonnet St

    Manchester Center, VT 05255 (802) 362-2900

  • THIS LOCATION IS NOT BBB ACCREDITED

    5801 Myrtle Ave

    Ridgewood, NY 11385 (718) 497-4791

  • THIS LOCATION IS NOT BBB ACCREDITED

    582-586 9th Avenue (42nd & 9th)

    New York City , NY 10036 (212) 247-8206

  • THIS LOCATION IS NOT BBB ACCREDITED

    587 Hartford Rd

    New Britain, CT 06053 (860) 832-4161

  • THIS LOCATION IS NOT BBB ACCREDITED

    59 Main St S

    Woodbury, CT 06798 (203) 263-0745

  • 59 Walden St

    Concord, MA 01742 (978) 318-7950

  • THIS LOCATION IS NOT BBB ACCREDITED

    595 Highland Ave

    Cheshire, CT 06410 (203) 272-1602

  • 6 Merrill St

    Salisbury, MA 01952 (978) 465-1501

  • 6 North St

    Houlton, ME 04730 (207) 532-9557

  • THIS LOCATION IS NOT BBB ACCREDITED

    60 Redding Rd

    Redding, CT 06896 (203) 544-8108

  • 600 Center Street, Shaw's

    Auburn , ME 04210 (207) 784-3990

  • 600 Loring Ave

    Salem, MA 01970 (978) 741-7779

  • THIS LOCATION IS NOT BBB ACCREDITED

    6060 Brush Hollow Rd

    Westbury, NY 11590 (516) 338-0489

  • 61 Main St

    Andover, MA 01810 (978) 684-6557

  • THIS LOCATION IS NOT BBB ACCREDITED

    61 Route 59

    Suffern, NY 10901 (845) 357-0548

  • 617 Mass Ave

    Cambridge, MA 02139 (617) 547-1617

  • THIS LOCATION IS NOT BBB ACCREDITED

    6190 Jericho Tpke

    Commack, NY 11725 (631) 499-0084

  • 62 Central St

    Georgetown, MA 01833 (978) 352-6110

  • 62 W Main St Ste 104

    Fort Kent, ME 04743 (207) 834-6181

  • THIS LOCATION IS NOT BBB ACCREDITED

    621 Lake Ave

    Saint James, NY 11780 (631) 584-6357

  • THIS LOCATION IS NOT BBB ACCREDITED

    6266 Fresh Pond Rd

    Ridgewood, NY 11385 (718) 417-5790

  • THIS LOCATION IS NOT BBB ACCREDITED

    630 Highland Ave

    Waterbury, CT 06708 (203) 759-2061

  • THIS LOCATION IS NOT BBB ACCREDITED

    632 Cromwell Avenue, Pavillion

    W Rocky Hill , CT 06067 (860) 257-6978

  • 635 Lowell Street

    Peabody , MA 01960 (978) 538-3333

  • THIS LOCATION IS NOT BBB ACCREDITED

    6354 108th St

    Forest Hills, NY 11375 (718) 830-0075

  • THIS LOCATION IS NOT BBB ACCREDITED

    639 Campbell Avenue

    West Haven , CT 06516 (203) 931-2855

  • THIS LOCATION IS NOT BBB ACCREDITED

    64 Norwich Ave

    Colchester, CT 06415 (860) 537-7380

  • THIS LOCATION IS NOT BBB ACCREDITED

    640 E Fordham Rd

    Bronx, NY 10458 (718) 563-1290

  • THIS LOCATION IS NOT BBB ACCREDITED

    640 Pelham Pkwy S

    Bronx, NY 10462 (718) 239-2354

  • THIS LOCATION IS NOT BBB ACCREDITED

    647 Main St

    Northport, NY 11768 (631) 262-0004

  • THIS LOCATION IS NOT BBB ACCREDITED

    655 Avenue of the Americas

    New York, NY 10010 (212) 255-2090

  • THIS LOCATION IS NOT BBB ACCREDITED

    655 W Main St

    New Britain, CT 06053 (860) 832-4138

  • THIS LOCATION IS NOT BBB ACCREDITED

    6628 18th Ave

    Brooklyn, NY 11204 (718) 256-2325

  • THIS LOCATION IS NOT BBB ACCREDITED

    666 Broadway

    New York, NY 10012 (212) 505-5959

  • 670 Wilton Rd

    Farmington, ME 04938 (207) 778-3337

  • THIS LOCATION IS NOT BBB ACCREDITED

    68 Mill Hill Rd

    Woodstock, NY 12498 (845) 679-3862

  • 680 Main St

    Presque Isle, ME 04769 (207) 764-3791

  • THIS LOCATION IS NOT BBB ACCREDITED

    685 3rd Avenue (43rd & 3rd)

    New York City , NY 10017 (212) 599-2322

  • THIS LOCATION IS NOT BBB ACCREDITED

    690 Hemstead Turnpike

    Franklin Square , NY 11010 (516) 481-0087

  • 693 Main St

    Chatham, MA 02633 (508) 945-4830

  • 7 Elm St

    Boxford, MA 01921 (978) 887-9246

  • THIS LOCATION IS NOT BBB ACCREDITED

    7 N Turnpike Rd

    Wallingford, CT 06492 (203) 265-5655

  • 7 New England Executive Park

    Burlington, MA 01803 (781) 229-4911

  • 7 Underpass Road

    Brewster, MA 02631 (508) 896-5713

  • 700 Main Street (Route 6A)

    Dennis , MA 02638 (508) 385-2672

  • THIS LOCATION IS NOT BBB ACCREDITED

    7005 Northern Blvd

    Jackson Heights, NY 11372 (718) 672-0512

  • THIS LOCATION IS NOT BBB ACCREDITED

    701 W Montauk Hwy

    West Babylon, NY 11704 (631) 321-1303

  • THIS LOCATION IS NOT BBB ACCREDITED

    71 Troy Rd

    East Greenbush, NY 12061 (518) 477-9311

  • THIS LOCATION IS NOT BBB ACCREDITED

    714 Smithtown Byp

    Smithtown, NY 11787 (631) 979-2752

  • THIS LOCATION IS NOT BBB ACCREDITED

    714 State Route 3

    Plattsburgh, NY 12901 (518) 563-1700

  • THIS LOCATION IS NOT BBB ACCREDITED

    730 Hebron Ave

    Glastonbury, CT 06033 (860) 633-5014

  • 730 U.S. Route 1, Hannaford Plaza

    Yarmouth, ME 04096 (207) 846-9766

  • THIS LOCATION IS NOT BBB ACCREDITED

    7314 37th Ave

    Jackson Heights, NY 11372 (718) 507-0648

  • THIS LOCATION IS NOT BBB ACCREDITED

    733 E Main St

    Meriden, CT 06450 (203) 639-5010

  • THIS LOCATION IS NOT BBB ACCREDITED

    74 N Main St

    Liberty, NY 12754 (845) 292-6661

  • 746 Washington St

    Holliston, MA 01746 (508) 429-1200

  • 75 Federal St

    Boston, MA 02110 (617) 426-4860

  • THIS LOCATION IS NOT BBB ACCREDITED

    75 Rockefeller Plaza (51st Street)

    New York City , NY 10019 (212) 314-9800

  • 756 Roosevelt Trl

    Windham, ME 04062 (207) 892-6500

  • 76 Main St

    Newport, ME 04953 (207) 368-4363

  • THIS LOCATION IS NOT BBB ACCREDITED

    769 NH Route 16

    Glen , NH 03838 (603) 383-6813

  • 77 Exchange St

    Bangor, ME 04401 (207) 974-2200

  • 770 Water St

    Framingham, MA 01701 (508) 877-1600

  • THIS LOCATION IS NOT BBB ACCREDITED

    78 Brookside Ave Ste 101

    Chester, NY 10918 (845) 469-4468

  • THIS LOCATION IS NOT BBB ACCREDITED

    7801 Queens Blvd

    Elmhurst, NY 11373 (718) 429-0511

  • 79 Lynnfield St

    Peabody, MA 01960 (978) 538-3287

  • 790 Lisbon St

    Lewiston, ME 04240 (207) 786-5945

  • THIS LOCATION IS NOT BBB ACCREDITED

    7955 Metropolitan Ave

    Middle Village, NY 11379 (718) 894-6218

  • 8 N Main St

    Saint Albans, VT 05478 (802) 527-5000

  • THIS LOCATION IS NOT BBB ACCREDITED

    800 Broadway

    Newburgh, NY 12550 (845) 565-4001

  • THIS LOCATION IS NOT BBB ACCREDITED

    800 Union St

    Westborough, MA 01581 (508) 366-7575

  • THIS LOCATION IS NOT BBB ACCREDITED

    81 W Ramapo Rd

    Garnerville, NY 10923 (845) 354-0390

  • THIS LOCATION IS NOT BBB ACCREDITED

    82 S Liberty Dr

    Stony Point, NY 10980 (845) 429-2164

  • THIS LOCATION IS NOT BBB ACCREDITED

    820 Bridgeport Ave

    Shelton, CT 06484 (203) 926-8881

  • THIS LOCATION IS NOT BBB ACCREDITED

    8206 5th Ave

    Brooklyn, NY 11209 (718) 680-0098

  • THIS LOCATION IS NOT BBB ACCREDITED

    824 Central Park Ave

    Scarsdale, NY 10583 (914) 723-0335

  • THIS LOCATION IS NOT BBB ACCREDITED

    826 Wolcott Rd

    Wolcott, CT 06716 (203) 879-4697

  • 835 Main St

    Osterville, MA 02655 (508) 428-5700

  • THIS LOCATION IS NOT BBB ACCREDITED

    835 Wolcott St

    Waterbury, CT 06705 (203) 759-2049

  • 853 Main Street

    Westbrook , ME 04092 (207) 854-9141

  • THIS LOCATION IS NOT BBB ACCREDITED

    855 Franklin Ave

    Garden City, NY 11530 (516) 739-2605

  • 860 S Main St

    Bradford, MA 01835 (978) 373-1209

  • 878 Stillwater Ave

    Bangor, ME 04401 (207) 942-2288

  • THIS LOCATION IS NOT BBB ACCREDITED

    880 3rd Ave

    New York, NY 10022 (646) 497-0621

  • 880 Massachusetts Ave

    Arlington, MA 02476 (781) 641-0050

  • 89 Elm St

    Camden, ME 04843 (207) 236-8811

  • 89 Merchants Row

    Rutland, VT 05701 (802) 786-4103

  • 9 Market St

    South Portland, ME 04106 (207) 767-5573

  • THIS LOCATION IS NOT BBB ACCREDITED

    90 5th Ave

    New York, NY 10011 (212) 381-7900

  • THIS LOCATION IS NOT BBB ACCREDITED

    90 Broadhollow Rd

    Farmingdale, NY 11735 (631) 752-9170

  • THIS LOCATION IS NOT BBB ACCREDITED

    90 Washington Ave

    North Haven, CT 06473 (203) 239-6495

  • THIS LOCATION IS NOT BBB ACCREDITED

    900 Queen St

    Southington, CT 06489 (860) 620-6559

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Complaint Detail(s)

11/25/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: TD Bank has charged me a total of $105 in fees over a period of 6 days. Within in the 6 days, I have made 2 cash deposits, one on a regular business day and the other on a Saturday. The total of the two deposits equaled $199 in cash. According to the practices and policies of TD Bank. All cash deposit are available the same day, not the day after, not 2 or 3 days later. However, this is not a true statement or policy practice of TD Bank. My last two cash deposits were treated as though I deposited a check instead of cash. My account was placed in negative balance more than 3 times within a six day period. I had an authorized payment of $100 for a a credit I scheduled to be deducted. Instead of TD bank paying the bill, TD Bank's poorly designed system places all payments in pending status for 2 to 3 days then posts them to the account (in my case) a checking account). Upon viewing my account online, I noticed I had pending payments in the queue for the October 28 2014 date, this included the $100 credit card payment I had set-up. Upon viewing my checking account, I noticed these pending payments will place me in the negative. $-2 and some cents in the negative. On October 29 2014, I deposited $114 in cash in person at the teller in the TD Bank location next to my place of work at 10AM in the morning. I received the ticket showing I made this deposit, fully expecting that my account will be back in positive and I would not be charged a fee for a negative balance. However, this is not the case. Upon printing out my statements, I noticed my deposit was credited to my account on October 29 2014 and immediately after that, on October 29 2014 TD Bank deducted $70 in fees, placing my account back into negative. On Friday October 31, 2014, the payment of $100 is posted to my checking account with TD Bank. On Saturday November 1 2014 I deposit $85 in cash, in person, at a TD bank location, with a teller and receive a deposit ticket verifying this deposit. On November 3, 2014 the credit card company credits back the $100 to my account, and the cash deposit that I made on November 1, 2014 is listed on my checking account statement with the November 3, 2014 date. The last and final transaction is from TD Bank, and it does not surprise me in the one bit, a $35 fee deducted from my checking account. My conclusion is this, TD Bank has unethical and despicable business practices as well as collection practices. This BANK pays themselves first and the customer is penalized each time. This was not the first, second or even thrid occasion that I have been wrongly charged fees in the amount of $35 each way. The first two occasions I went into a TD Bank location and spoke with either a customer service store rep or a manager and in both instances I was credited back the ridiculous fees I was wrongly charged. Regarding the most recent occasion, happening just last week, I have decided to file this complaint with the BBB because when I called on November 4, 2014 to speak with a Customer Service representative I was treated with an attitude of blatant "i do not care" tone of voice from both the rep ******, and worse off her poorly trained Supervisor ******. Neither ****** or her supervisor ****** could eloquently explain why I was being charged $105 in fees over a 6 day period. ****** and ****** explained "it typically take 2 to 3 business days for banks to communicate with each other, sometimes quicker" ****** also explained to me over the phone, after I waited at least 10 minutes listening to TD Bank advertising, that "our system updates between 11am and 1pm". Now if any of this is true, Why was my $114 in cash deposit made on October 29 2014 at 10AM listed as the second to last transaction of that date? And immediately after that listed transaction TD Bank deducts $70 to pay themselves first on October 10 2014? How is this practice ethical and conducive to good customer service relations? Why am I paying TD BANK and TD BANK refuse to pay the bills that are posted to the account in a timely fashion?? At this point in time, as I told ****** on November 4, 2014 over the phone. I will be closing the TD BANK checking account and opening another account with a BANK that is ethical and does not falsify their business practices in order to benefit themselves and their poorly trained employees such as ****** and ******. Not only that, I will ensure that each member of my family, my co-workers and my friends all close their accounts with TD Bank and open with another more reliable and ethical BANK. I will also ensure that I tell everyone I know who has an account with this bank to look at their statements, as I have done and show them the debauchery and blatant, for lack of a better term, baloney TD bank is selling to it's clients about checking, saving and being "America's most convenient bank." ALL OF THAT IS A LIE. I currently am employed with the City of New York, and this is the first time that I have experienced such unethical practices of an institution designed to help people save, pay their bills and maintain good credit. Not only that, it is quite disgusting to have to listen to two trained morons in an office over the phone tell me, "well what do you want me to do?, " am so what is the problem" I'm trying to understand".... I don't know ****** and ******, you two figure it out since you are incapable of understanding customer retention and customer relations. I wish that I as a employee for the City of *** **** could get away with comments like that. However I can't, but TD Bank. I guess that;s why we have instance like ***** and **** ***** and **** ** ******* and *****. TD Bank is not "America's most convenient bank" but rather AMERICA'S MOST UNETHICAL BANK! with a happy face at the end.

Desired Settlement: At this point I don't care. Because, It's a waste of time. Waste of Money, and I am better off with another Banking Institution, which I've already put my application in for as of November 5 2014. Asking TD bank to refund me is like asking the PRESIDENT of THE USA to pardon a convicted serial child murderer. It's never going to happen and ***** is better off dead or in prison for life.

Business Response: Good Day,


I have attached a response regarding your Better Business Bureau complaint.


Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/24/2014 Delivery Issues
11/24/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This bank has charged me over $1100.00 in fees over the past year they did credit a few but no where near what they should have. They move things around on your statement everyday so that they can collect what they feel. I am so tired of checking my account having money and then 10 minutes later not being able to buy milk because I was charged a ridiculous fee. I deposited a check on 10/27/2014 nothing is showing in my online that anything over drafted and they still charged me 105.00 for 3 overdrafts. I spoke to several people at the 1800 number who are not help at all and just tell me to close my account if I don't like there fees aand also stated there end shows something different than mine, If I see something in my statement that should be the same the bank sees . I don't want to clod\se my account but I will if I have to. I want this resolved immediately and my money credited back to me.

Desired Settlement: I want all my overdraft fees to be credited and $100 for my inconvenience and embarrassment $450.00 total

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau complaint.

Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/24/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I recently opened an account at the ********** **** ****** in Philadelphia. On October 11th, I deposited 13 checks in the banks ATM in the lobby. (5) of those checks totaling $320.00 did not post. After numerous visits to the branch and calls and filing a claim (which is their protocol), this issue still has not been resolved. I had been promised over and over again that this situation would be immediately rectified. I have spoken with several people, *******, ****** (head teller), ******, ***** **** (branch manager) and ******* (assistant manager). The money has been credited to my account on (4) occasions and taken back out the very next day. I have no idea what the problem with the ATM department is It is approaching a month and still the money has not been properly been returned to my account. I have asked for and have been denied the District managers contact information. I am fed up with the incompetence of this branch. I have filed a complaint with the Pennsylvania Department of Banking and the now with the BBB however this will take time and I still have not been made whole. Furthermore, I dont want to hear how sorry everyone is for the inconvenience. This is unacceptable and possibly criminal to withhold MY money even with the acknowledgement that the checks are there!!! Please help to resolve this matter as soon as possible.

Desired Settlement: I want my my to be returned to my account

Business Response:

Good Day,

I have attached a response regarding your Better Business Bureau complaint.


Thank you,

?

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

 

11/23/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had purchased furniture from Pilgrim Furniture two years ago. The salesman at Pilgrim Furniture told me verbally that I was allowed to make monthly payments with 0% interest up to three years (financed by TD bank). The salesman also stated that I was automatically set up to make equal payments that will result in a $0 balance before the interest started. Within the past year, my monthly payments have automatically been decreasing. I did not request this change in payment, so I figured because I payed more in the beginning they were equaling out over three years.. However, after the two year mark, interest was included on the monthly payment at 29%. After scrimmaging through papers, I realize that the salesman was not truthful with the "no interest for 3 years" and that in the fine print, states that the no interest was for 2 years. I could have easily payed off the entire balance at any point in these 2 years, but did not because the salesman at Pilgrim Furniture stated there was no interest. There was no warning to a change from 0% to 29% interest as well. BBB Note : Consumer filed complaint number ********
 I had a previous dispute with this company which they have notified me and are currently working on a resolution on their end. They advised me not to call them until they call me on a resolution. I just spoke with someone who said, "this could take up to 60 days in order to come up with a resolution". Previous to this, I made a payment to pay off the furniture, but without paying the unfair interest. When I spoke to someone, I asked if I will be charged an additional interest and the representative verbally said, "as long as you make a payment, you will not be charged additional interest". However, I just received my next statement and they charged $54.00 interest (interest on top of interest) which I am disputing in the first place. As they are claiming that it can take up to 2 months to find a resolution, I see that it is unjust for them to continue to keep charging me interest on top of the already disputed interest.

Desired Settlement: Being that I was able to pay off the payment at anytime, I did once I saw the newly discovered interest dates that I was never aware of. I would not like to be responsible for paying any of the interest.

Business Response:

We are in receipt of your Better Business complaint. Your issue is currently being investigated. We will be following up with you shortly. If in the interim you have any questions, please contact our Retail Card Service Department at **************.

Thank you.


******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/23/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My account got shut down without advanced Notice - and made me punitive damage etc

Desired Settlement: open back the account

Business Response:

We are in receipt of your Better Business complaint. Your issue is currently being investigated. We will be following up with you shortly. If in the interim you have any questions, please contact me at ************.

Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/22/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On 10/30, I was ALREADY in overdraft in my checking account with -$102.64 On 10/31, two (2) ATM fees at $3.00 each were assessed to my account bringing me to -$108.64. Those two ATM fees cause TD Bank to charge me $35.00 overdraft fee for each of the ATM charges. ( $70.00 ) That brings me to overdraft -$178.64. Would you agree that practice is unfair, excessive and disproportionate? Please help.

Desired Settlement: Reverse the $70.00 overdraft fee

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau response.



Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/21/2014 Delivery Issues | Read Complaint Details
X

Additional Notes

Complaint: I opened a checking and savings account and can't touch none of my money without notice from td bank

Desired Settlement: I want my funds and interest for holding my money for no reason

Business Response: Good Day,

I have attached  a response regarding your BBB complaint.


Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/18/2014 Problems with Product/Service
11/18/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On August 7 2014- debit appeared for 89.99, team cheer, auth #******. I NEVER ordered or rec'd this item. By way of history, August 1, 2013 (one year prior) 89.99 team cheer, auth #******, I purchased a pair of sneakers for my daughter. Which I rec'd August 2013 and I only purchased 1 pair of sneakers. One year later the same charge appears on my statement. I called TD bank Customer Service 3 times in regards to this and rec'd 2 denial letters in the mail. The 3rd time I called, I spoke to ********, and her exact words to me were "if you have past history with a merchant you arthorize them to charge your account". She also advised me to fax a letter to the bank stating why my account shouldn't be charge. I did this already 2 times on the phone supplying all of the information that was required and all I receive is the generic denial letter.. Thanks TD bank for being my advocate. At this point, I am demanding my refund of 89.99 for which was taken out of my account with out authorization and in error because I only have purchased 1 pair of sneakers.... and the 10 monthly fee I am being charged because this 89.99 came out of my account for 4 months totaling 40. My demand is for 89.99 + 40.00+129.99..

Desired Settlement: Refund my account with TD bank for 129.99 which is due to me for unauthorized charges mentioned above...

Business Response: Good Day,


I have attached a response regarding your Better Business Bureau complaint.


Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/17/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On Thursday, October 9, 2014, I set up an online bill pay utilizing TD Bank's online bill pay tool. I authorized a payment of only $2,146.07 to American Express to be executed on the following Tuesday, 10/14/14. When I checked my account on that Tuesday, to my surprise, I had a zero account balance because TD Bank sent my entire balance (of $21,818.03) to American Express. When I called TD Bank, I was told Amex had done a direct debit for the entire amount and that the issued lied with Amex and not TD Bank. I called Amex and they told me that they are not authorized to do a direct debit and I had to take this issue up with TD Bank. I called TD Bank back and after some discussion; I was told that I needed to call back in the morning as the ACH department was closed for the day. I called the following morning and after a brief wait and speaking to the help center, I was directed to a supervisor in the Online Bill Pay department named ******* ******. Initially, I was told the error was made on my end as I put my entire account balance as the amount to pay Amex. While this may seem like a possibility, it simply isn't logical as I received a direct deposit the day AFTER I set up this payment (direct deposit hit on 10/10/14). I would have had no way of knowing my new account balance (including this direct deposit) the day before. So I was able to dismiss this theory right away. After going back and forth with *******, she agreed to do a 3 way call with Amex to determine the amount of the over payment, which was $19,671.96. After Amex confirming the amount and promising to return the funds within 5 business days, ******* agreed to give me a provisional credit in the amount of the over payment. I was told it would take a couple of hours and to check my account periodically throughout the day and the funds will be there. I told her this would be okay as I had all my bills to pay on that day. After checking every couple of hours and not seeing the credit in my account, I called the Online Banking department back at 6 pm to see what the holdup was. After speaking to the person that picked up the phone, I was directed to another supervisor in this department by the name of ****. I spent almost 2 hours on the phone with him (between holding and conversations) because he told me that there was no such thing as a provisional credit and that he does not know how ******* would have been able to authorize such a thing and that he refused to do anything to help. He claimed that it is not in TD's policy to give provisional credits and my only options were to wait until Amex returned the funds (within 5 business days) or file a dispute to claim the payment was fraudulent. I explained to him it wasn't a fraudulent payment since I authorized it, but the amount TD Bank sent was the issue. Additionally, according to ****, the only way I would have any late fees I incurred considered for reimbursement by TD Bank was by filing a dispute. So I elected to go this route in order to ensure that if I do incur any late fees, at least they would be considered. It's also worth noting, to this point; I was consistently told it was not possible for their system to make such an error. So after almost two hours and getting nowhere with ****, I was left penniless and filled with empty promises. The following day, Thursday, 10/16/14, I called the Online Bill pay department back around 10:45 and asked to speak to *******. I was told she was busy at the moment but she would call me back within 5-10 minutes. I waited, patiently, until 2 pm when I called back. Again, I asked to speak to ******* and yet again, she was busy. I was given another supervisor within this department, this time **** *****. **** assured me he would personally give ******* the message and ensure either she or himself would call me back before 3:30 (the time ******* went home). Again, I waited and still no phone call. I called back around 3:20 and between waiting on hold and trying to track ******* down; it was 3:30 and was told she had left for the day. This time however, I was actually speaking to someone that genuinely wanted to help me. Her name was ***. After reviewing the notes in the system, she had agreed that it was quite ridiculous for me to out over $19k and TD Bank not have done a thing to correct this mistake. She told me that she did not see anywhere that ******* had actually gone through the steps to set up a provisional credit and some of the things **** had told me weren't entirely accurate. She took the time out to write an email to *******, *******'s boss, ****, ****'s boss, her own boss and to the manager at the local branch where I do my banking. I am not sure what the email said, but I know she sent one since I received a phone call around 5pm from *****, the manager at my local branch. After a brief discussion as to what happened and how I had been left with no money to pay my bills, she agreed to take money from her vault and deposit it into my account as an interest free loan in the sum of $2,500 (this is the amount I told her I would need to sufficiently pay my expenses). After 15 minutes, she called me back to let me know the funds were deposited and sure enough, when I logged into my account, that amount was there.

Desired Settlement: By the time this complaint is read and sent to TD Bank, there is a good chance Amex will have refunded the money to TD Bank and I will have my money back but the lack of professionalism and knowledge of some of the people I spoke to need to be addressed. There was no accountability for the mistakes this bank made and basically made this my problem. Even after being assured that I would have a provisional credit by a supervisor, it was not done. After being told she would call me back, she never did. Never in my life have I been in a situation where someone makes a mistake and offers no recourse to make me whole. This level of professionalism, or lack thereof, is simply unacceptable and needs to be addressed. This bank's policies and procedures are awful and what's worse is that the supervisors don't even know them and when speaking to different supervisors, you get different responses.

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau complaint.


Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response:

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint #********. Please add your rejection comments below. 

[I tried reaching out to ******* **** to discuss her response, but she has yet to return my voice mail and as a result, I am rejecting this response. The response is factually incorrect and does not address how the error was made. I scheduled the payment using the online banking tool on October 9, 2014. Not October 10, 2014 as ******* **** suggested in this letter. Therefore, there is no way I would have known the exact amount my balance would have been since I received a direct deposit into my account the following day. Additionally, there was no mention of the lack of customer service and knowledge I received throughout this ordeal. Only after being told different things by different supervisors and repeatedly calling, was the local branch manager (where I bank) contacted to get involved and put money in my account so I can pay bills. It is absolutely ridiculous that TD Bank had no remedy for an error they made and no accountability anywhere across the board.]

Regards,

******** ******

 

 

Business Response:

Good Day Mr.******,

I have attached a response regarding your Better Business Bureau complaint. The letter states that there is a snapshot of your transaction. For security purposes, you will receive that document in the mail.


Thank you,


?

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

 

11/15/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I requested to stop all drafts from my account due to my account being compromised for the 10th time it seems, after speaking with a bank rep at a branch in deerfield beach i was told to keep minimal funds in the account until i could open a new one and they would stop all drafts from coming out. A few days ago my acccount was overdrawn and i was assessed 2 overdraft fees. I went into the bank and was told they would reverse them and i could bring the account current, I was charged one overdraft fee for a $1 charge from merchant services. There are more charges on my account this morning and im sure they will be assessed overdrafts. Your bank rep never refunded me, and I have called multiple times and i am not getting anywhere.

Desired Settlement: REfund of overdraft fees

Business Response: Good Day,

I have attached a response regarding your Better Business complaint. 



Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/15/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I had several personal & checking business accounts with TD Bank until May/June 2013 for almost 6-7 years. TD bank sent a letter to me and my husband to close our accounts at it's discretion without giving any explanation. I insisted what the reason was and TD Bank did not give any explanation and closed all accounts at the same house even my father in laws' bank account. TD Bank never wanted to do any business with any person that lived with us at all. I and my husband moved all of our accounts to another banks. Meanwhile We moved to another address in the same city ******* NJ. I thought that I closed all of our accounts at TD bank (both personal and joint accounts such as **********). I received a letter from TD Bank on October 2014 that I owe $42.55 for the acc#********** account. I was surprised that there should be a mistake because I thought that I closed all of our accounts. I was wrong. It came up that the account number acc#********** was not closed and I had $105 on the account before it was overdrawn. I had tried to purchase an item that costs $482.32 on eBay using paypal.com on May 2014. This account number (********** ) was linked to my paypal.com account as a bank account and I used this account MISTAKENLY. Of course the transaction did not go through and paypal.com tried twice to get the money (usual process takes twice). I was thinking that the account was closed so there was nothing to worry. I was shocked when I saw the letter sent by TD Bank that I owe $42.55. I contacted the number on the letter and I was advised to go to the branch. I went to the branch and I was told to come another day to talk to the manager. I finally reached manager Diane at TD Bank ******* Branch *** ******* **** and she forwarded to her store manager. The store manager told us that she can't do anything and we have to call the *** *** **** number to talk to TD Overdraft Collection Department. I and my husband called this number once again and the lady told us that she can't verify my identity and advised to go to TD bank branch!!!! I was furious they were just playing with us and not listening and helping us to fix the problem. To sum up: 1-TD Bank does not want to do any business with us at all which is fine. Although I wanted to use this account ********** they were going to close it anyway at some day in the future. 2-I had $105 on my account before it was overdrawn and I forgot to close the account. 3- TD bank charged non-sufficient fee twice for returned payment attempt of $482.32. 4- Then the balance dropped below $100 and I was charged monthly fee and the account was eventually overdrawn and closed. 5- TD BANK NEVER EVER MAILED ME ANY MONTHLY STATEMENT THAT MY ACCOUNT WAS OVERDRAWN SINCE MAY 2014 (after I made a payment attempt using paypal) AND I HAD TO MAKE DEPOSIT NOT TO BE CHARGED MONTHLY FEE. 6- However, they managed to send me the letter on my new address that I owe $42.55 to TD bank. 7- Finally, I can't get any help either at branch or 800 number. They keep forwarding me between them and there is no solution. The customer service is terrible. I believe that TD BANK HAS FAILED ITEMIZED BILLING AND MAILING IT TO ME. TD BANK'S COLLECTION PRACTISE IS UNETHICAL. I would never ever would let my account overdrawn or make deposit or close my account if I had received the monthly statement on time. I DO NOT OWE $1 TO ANYBODY OR TO BANK OR CREDIT CARD. I think that charging me $42.55 (or whatever the current amount with the interest) is not FAIR. I want these fees refunded please.

Desired Settlement: I lost my $105 on the ********** closed account. All I want is to get refund of these fees and do not owe any money to TD Bank. I need a letter from TD Bank that I do not owe any money to them. I earn money hard and do not want to spend it for the bank service that does not want to do business with me. Please help. Thank you.

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau complaint.


Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

***** *****

11/14/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: My account is NOW negative $112 due to 4 $35 over draft fess on my checking account because even though I transferred / deposited cash $35 into the account immedaiely upon seeing the account was shor tthe $35 the bank charged me $35 per paid transaction the exact same day the deposit was done in cash.

Desired Settlement: I want each over draft fee credited to the account. The banking instition should / MUST change the manner in which they process transaction NOT to assess fees on the consumer intentionally. Which obviously is the case

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau complaint.

Thank you.

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/10/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: TD Bank never notified me that I had ten days to fix my negative balance so I wouldn’t be charged a twenty dollar fee that they made happen by making my account go over by assessing my account with fees in the first place.

Desired Settlement: Just to hold them accountable, so they don’t do this to any other people that bank with them. It’s a very scummy way to do business.

Business Response:

Good Day,

Please see the attached response regarding your Better Business Bureau complaint.

Thank you,

?

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

 

11/9/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Hello. My name is ****** *******. I have an active checkings account with TD Bank, this account has been hacked several times from the dates of October 15-23 2014. I have contacted TD Bank on October 18 2014 and made them aware that there was monies missing from my account and that I was unable to use my debit card. Upon further investiagtion the representive stated to me that there were " two large purchases made for airline tickets to my account, and that my card was frozen. " At this time I asked why was'nt I made aware of these charges, the representive then informed me that "someone tried to contact me but did not have my updated contact information on file," at this time I updated my information and ask what will be done to get my money back which was in the anount of $1500 for one tickets and $1600 for the other plus additional purchases. I was told that the " transaction is pending and there is nothing they can do until the monies have been collected" I was also told that my "debit card would be frozen and no other charges would be made to my account, and to contact TD Bank within a few days." I called back October 22 2014 and was told more charges were pending towards my account , at this time I asked for an explaination as to how this couldve happened and was told that " The the person with whom I spoke to( on October 18 2014) did not stop my debit card and that was how additional (fradulent) charges were able to made against my account. I was also informed that the expiration date had occured on the previous charges and the money was posted to my account. On October 24 2014 I called TD Bank to check my account balance and was made aware that the vendors from "Swiss International" did in fact retrieve money from my account on october 23 2014 when asked how was that posssible I was given no justifiable explaintion other than "that is the law we have to follow, and that the vendors have up to 6 months to retrieve money from my account" I was offered an apology and a call back from there fraud department within 24-48 hours other than that there was no comppassion or empathy or immediate resolution to my situation other that " my case would be reffered to TD Bank fraud and investiagtions department to see if my dispute against these pending transaction can be expedited that I would have to wait up to 10 business days for a decision to made and within that time frame more money can be taken from account from the other vendors as well.

Desired Settlement: I woud like all my monies returned to me so that i may close out my account with TD Bank

Business Response: Please see attached copy regarding your Better Business Bureau complaint.


Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/8/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am dissatisfied with teh amount of overdraft fees and service fees I have encountered with TD Bank. I have contacted their Managers and President of Company who then told me if I did not have $10,000 then I have to deal with the fees b/c that is the type of accont I have. I believe they take advantage of customers who live paycheck to paycheck and unfairly charge high amounts due to untimely automatic deposits and pending transactions that they gain the right to charge overdraft fees instead of basically denying the debit. I cannot afford to pay them $35 twice in one month plus $15 service charges. I continue to bank with them b/c I have several things set up through their bank. I can change eventually but would like to recieve the fair credit back to my account. This is a high overdraft charge and it is actually higher than the amount debited.

Desired Settlement: Refund of overdraft fees.

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau complaint.



Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/8/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: see Attached document

Desired Settlement: see Attached document

Business Response:

Good Day,

We are in receipt of your Better Business Bureau complaint and is currently being investigated. You will receive a response shortly. In the interim, if you have any questions, please contact ***** ***** at **************.

Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/8/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I recently learned that I was being charged a $5.99 maintenance fee on my account, even though I was never notified of this fee. Due to this, I settled my account, went into a branch on September 21st, and closed it so that I would stop being charged. I recently learned that my account was never closed, and I was once again charged this fee. I will not pay this fee since I was told my account was closed. This has been a more than frustrating experience.

Desired Settlement: I need my account to be closed and I will not pay any balance.

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau response.


Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/2/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I returned a postcard soliciting a credit card invitation. The credit card offered $100.00 upon spendiing 500. dollars in the first 90 days. It also offered 5% on utilities. The offer did not say "public" utilities but "utilities". I charged in the lst billing cycle 3,000.00 in home heating fuel. I received neither the $100.00 nor the 5%. I have called a number of times (the credit card #). I spoke to two different operators who stated a supervisor would get back to me. I'm still waiting. I stopped by the ********* New York branch. I spoke to ***** ****** who said she would check it out and get back to me. 3 days later I called her and was told that she was waiting for a call and that she would contact me. Approximately 10 days later I'm still waiting for the call. I called the branch today and spoke to "*****" who stated that ***** would be out of the office for 10 days. I always thought that TD bank was consumer orientated. I guess I was wrong.

Desired Settlement: Credit of the $100.00 promised and credit of the 5% of my utility charges.

Business Response: Good Day,


We are in receipt of your Better Business Bureau Complaint. Your issue is currently being investigated. We will be following up with you shortly. If in the interim you have any questions, please contact **** ********* at ************.



Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/2/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Bank charges me for checks and wire fees when "Premier checking" does not include those fees and only charges a maintenance fee for going below a minimum Balance.

Desired Settlement: Refund of fees levied, account corrected to proper type, and a $25 credit for the inconvenience.

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau complaint.



******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/2/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have been banking with TD Bank for a while with (2) checking accounts with the bank. I have since closed (1) account since it was not being optimized to its full capacity. Prior to closing the account I had issues with certain maintenance fees that were corrected but I was charged an overdraft even though they were discrepancies on behalf of the bank. These were corrected from the bank. I have then kept the single account but have received an overdraft on this account when I had made deposits. The representative I spoke to was great at her service she explained to me the situation and was going to refund the overdraft because she understood that I made deposits prior to 2300 E.S.T. to be able to avoid and fees. Monday, September 29, 2014, I check my account in the evening and notice a pending purchase transaction of $35 and that is when I called TD. I was told that the manager, ****** (TD number (ext.)*******) did not approve the refund because the account that has since been closed was refunded an overdraft. One account has nothing to do with the other. Also if there were errors that were corrected due bank procedures where the bank was at fault then it should definitely not be the reason that I was denied the refund.

Desired Settlement: I would like the bank to please refund the overdraft. I work hard for the money I earn and do not see why every week I need to deal with an issue at the bank. It is a hassle I want to avoid. Thank you

Business Response: Good Day,


I have attached a response to your Better Business Bureau Complaint.



Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response:

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint #********. Please add your rejection comments below. 

I want to thank the bank representative on contacting me back. I am rejecting the response not because the agent did the best possible but because from the time I wrote my letter to the Better Business Bureau (BBB) to later that same day the bank added an additional $140.00 dollars in fees. I am a college student and work to keep the basic things going I cannot afford to pay fees where I see I am being unjustly being charged. 

I went to speak to a representative at a branch when I saw the additional fees where added to my account. I was explained that the overdraft fee was placed on the account prior to having any of the other transaction paid. These transactions (crossed out in red through "Debit Charge" on the attached file) were all pending prior to September 29, 2014. The first transaction (Order: Top to Bottom) to a gas station had been pending for approximately 3 to 4 days. The second transaction to Gourmet had been pending for a few days as were the other items so the bank knew of these transactions. On September 29, 2014 I was charged a fee, this fee was the first thing to be charged on the account by the bank purposely doing this causing the other items that had been deducted from my account and showed as pending to have no funds. I realized that the bank did this on purpose to continue charging more fees. The bank decided what was best for them instead of doing the correct thing. The correct thing was to charge the items as they had been originally charged when I swiped the debit card regardless of post date because they already knew these transactions were coming through but neglected it and proceeded with what they felt like doing.

The bank also charged another "OD Charge" of $20.00. Where did this charge come from? I have ceased to use this account for the past 10 days or so to the present. Where is this charge coming from? a Transaction of 3 months ago? Where? 

TD needs to reevaluate their online banking system. It is providing false information with regards to your account and then charges you an arm and a leg for it because they are trying to get one over with the consumer.

The bank needs to show a charge date and a post date this will keep things clear and help the consumer.

I want to thank you for your time with regards to this matter and I hope someone can help me.

Regards,

********* ***** ****

 

 

Business Response: Good Day,


I have attached a response regarding your Better Business Bureau complaint.


Thank you,


******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

11/2/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: TD Bank's policy of sending out unrequested checks has put me and my family at risk of fraud and unauthorized transactions. Recently, I found 2 sizeable unauthorized transactions on my TD Bank statement that were not made by me. After speaking with a TD Bank representative at one of their branches, the transactions were made by the unrequested blank checks that TD Bank sent me. Firstly, I did not request these checks and they shouldn't have been sent to me. Other banks do not practice this habit of randomly sending out blank checks. By sending out these checks, TD Bank is putting me and my family at risk of unauthorized transactions. Because of TD Bank's actions, we are battling fraud and possibly identity theft. Secondly, TD Bank has made it very inconvenient for me to try to rectify this issue. They requested that I file a police report first and then file a fraudulent charges on my account. However, the police report can't be file until I receive an affidavit of fraudulent activity from TD Bank, and according to TD Bank this affidavit will take 6-7 business days. I have banked with other financial institutions and their policy is much more direct. Overall, I should not be responsible for the charges made on my account. TD Bank decided to send out "free" blank checks and in doing so, has caused these fraudulent transactions and perhaps further damage. I need TD Bank to expedite their investigation and credit my account accordingly.

Desired Settlement: TD Bank needs to expedite their investigation and credit my account or reverse transactions as soon as possible.

Business Response: Good Day,

We are in receipt of your Better Business Bureau complaint. Your issue is currently being investigated. We will be following up with you shortly. In the interim, if you have any questions, please contact **** ********* at ************.


Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

10/31/2014 Billing/Collection Issues | Complaint Details Unavailable
10/31/2014 Guarantee/Warranty Issues | Complaint Details Unavailable
10/31/2014 Billing/Collection Issues | Complaint Details Unavailable
10/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On September 24th my debit card number was fraudulently used to make purchases totaling approximately $1800. I was able to personally contact several of the merchants and have some of the charges reversed leaving about $600 for the bank to dispute. I waited until the 25th when the charges posted to my account and began the process of dispute. I was told it would take 7-10 business day and I didnt need to do anything else to facilitate the process. I waited 11 business days and was then informed that my case was closed because they needed to have a signed form which they never asked me for. I went to the bank to sign the document they needed and was told it would most likely take an additional 7-10 business days. Now 5 days later the new debit card I was issued has been inactivated because they have incorrectly assumed it was the stolen card. I just feel that they should have asked me for all possible documentation up front and should be more carefull with my information.

Desired Settlement: I would like an expedited review of my case and a credit for the 2 remaining transactions which are fraudulent. I feel that waiting a month for this process is an extremely long amount of time.

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau complaint.



Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

**** **********

10/27/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I am aware of all policies concerning over draft. My account was charged a double over draft fee in which there should not have been. I had an overdraft and came in to pay and added extra to my account. Once the service fee was taken I still had money. I made a purchase in which there was still money in my account. I paid a bill knowing that I would have a overdraft charge. When I went to make the deposit to cover the over draft I was charged the fee twice and told that it was because the purchase I made before paying this bill was also an overdraft. I keep up very well with my account so that I know what I am over drafting and so I know how much I will owe. The bank manager came to tell me that she was not sure when the bill was paid, but it was in processing before the purchase was made. I showed documentation of where the bill was paid after the purchase and she would not lift the extra overdraft fee. She didn't want to see the paperwork where the bill was paid and told me that my paperwork may be incorrect because it only showed when the bill was paid. I am very dissatisfied and once this is resolved I will be closing my account.

Desired Settlement: I would just like the extra overdraft fee lifted from my account. I would also like someone to contact me when this fix is made.

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau complaint.


Thank you,

******* ** *******e | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

10/27/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: My problem is TD Bank will overdraft a account when there are still funds available but there are pending transactions that have not posted. For example this morning (10/01/2014) I had a available balance of $4.39. But in pending there were two transactions totaling $60.38. I immediately transferred $80.00 from my savings to cover this deficit BEFORE the transactions posted and I incurred overdraft charges. With the transfer the account showed a positive balance of $19 .62. After work I checked the account again and I was charged for 4 overdrafts totaling $140.00. I called customer service, sat on hold for 25 minutes to get a representative that was rude and unhelpful. She stated in was already over. I stated that the account still had a POSITIVE balance. She was rude and unhelpful. Then I wanted a supervisor. **** got on the line and proceeded to talk in circles. Coming up with every excuse why I should not be refunded. Apparently there is another screen that the customers do not have access too for viewing. This is far from the first bad experience with the customer service representatives. Also because of the two items still in pending and my account still in the negative because TD took funds I will be over drafted another $105.00 for transactions pending. There has to be something that can be done about these practices on overdraft. There was enough in the account to cover the transactions and the third that posted this evening. But now tomorrow afternoon I will be charges additional fees. I am frustrated with the situation and the treatment received by customer service. TD Bank needs to make changes to policies regarding overdraft and customer care. Any other bank I have dealt with it was always the rule if you were still pending and put the funds in to covers the transactions there would be no fees assessed. Update: spoke with ***** and he was unwilling to help or refund anything to my account. He did confirm that the fees will be $245 tomorrow.

Desired Settlement: I want all fees associated with this refunded. I was in a positive balance PRIOR to the overdraft now with the overdraft the fees are excessive. So in total by the time this is resolved $245.00

Business Response: Good Day,




I have attached a response regarding your Better Business Bureau complaint.


Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

10/25/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: This complaint involves more than just the primary one listed above: I sent this email to the email address on TD Bank's website and turns out that it is for Canada's consumers - I couldn't find anywhere an email for US consumers... after spending another 20 minutes on hold with them, the rep, Nola, gave me this email: fulfillment@yesbank.com: To who it may concern, I am very frustrated, hurt and angered by how I was treated and thrown out of one of your banks just now. I just spent the last 30 minutes on hold and then the call drops. The bank manager at your branch *** ******* ******* ****., ****** *****, FL***** became very rude with me as I was being helped by ***** ****** who I've gone in and called about the same issue 3 times prior and still no resolution. I couldn't get the managers name as he was too full of himself saying "its his bank and his name is on the outside of the bank and advanced towards me and told me the conversation was over and that I had to leave his bank or he would call the law!" I told him I did not wish to speak with him that I was speaking with ***** and he called the police and of course the police didn't want to listen to anything because its out of their realm and just wanted to know if he wanted me removed and he said yes! They made me leave, without getting my issue resolved, without letting me take my hard earned money out of my account there. I am totally blown away by this, I can't stop crying. If you allow this man to treat all of the customers like this you will be left with none. We were promised to get $25 each for opening an account and for referring someone and making the appropriate amount of transactions which we've done and to date your bank has not given us the $50. So I let one account close as I have been not getting any help and this bank manager kept saying "I don't care if he (*****) finds out that they will still credit our account that he was going to retain it to offset the charge off - which by the way was created by your bank by not fulfilling your end of the deal for us opening and referring others. How horrible of your bank to do this in this time of economic crisis to poor working people. I'm ashamed and appalled. I truly hope he has not touched a penny from our joint account which has $128.00 in it which he would not allow - HOW DARE HE - to withdraw today. That's should be considered some type of theft or ransom or something - not allowing me to withdraw my own hard earned money?! I await your prompt resolution to this matter after having me go thru such a humiliating experience of being thrown out of the bank - I truly hope you look at the video - in no way was I altered, menacing, shouting or out of line - if anything you will see how he advanced towards me!! He has some superiority complex and passive aggressive problem that needs seriously to be addressed. ******** ****** Tel ************

Desired Settlement: I want an apology, want the $50 that was promised to us in order to open the accounts, and I want $500 for the humiliation and upset caused me at the moment and for the rest of my day and for holding my money hostage by not allowing me to withdraw my hard earned money that I had in deposit with them. I was on my lunch time which is only half an hour - I had to go without lunch the entire day because of them holding my money hostage. That has to be illegal. I took longer and then had to work extra time in order to make up for it. This is the only branch in Winter Haven so I couldn't even go to another branch.

Business Response: Good Day,


I have attached a response regarding your Better Business Bureau complaint.


Thank you,


******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

10/24/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been helping my parents with all the necessary paper work that TD Bank request when applying for a house loan. When my parents found their dream house in Florida they went back to TD Bank in **** **** ******** **** ******** NJ***** to apply for the house loan. All papers that TD Bank ask for were given to them but they would tell us it's not good enough weeks after we had given them the information they needed. So we were not able to close on September 30th and had to ask for an extention. We continue with more paper as we understand that it is the procedure that the bank must follow but what we don't understand is why after they tell us this is all we need they we come back with more question about papers that were already given them over and over again. I would like to speak to someone about this issuse as we are not getting anywhere and now the bank want us to ask for another extention again. Closing is due on the 25th of October.

Desired Settlement: To be able to go to closing on the 25th of October.

Business Response:

Good Day,

We are currently in receipt of you Better Business Bureau complaint. Unfortunately, you are not an authorized signer on the loan application therefore we cannot disclose any account information. However, ******* ****** will be contacting your parents today, October 24, 2014 regarding their application. ******* ****** can be reached at ************

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

****** ********

10/24/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: My checking account was charged off with TB bank in the amount of $105 because I did not have required balance of $100 on the 15th of the month. They also charged overdraft fees and additional fees that could not explained to me via customer service or in writing. I am now unable to open a checking bank account with any other bank so I visited a TD bank branch in ********** *******, NJ to pay the balance of $105. I was informed that the account was charged off and referred to TD bank collection department at ************. The representative at that number referred me to MRS Collection Agency at ************ where I was informed by ******* that the account is no longer theirs and to call TD bank back. I contacted TD bank at ************ and spoke to *********** at ext.**** who advised to visit TD bank in person to pay off the $105. As advised by ***********, I visited TD bank branch at ***** ******* in******** and was again referred to TD bank collection number at ************. I was given run around by TD bank staff and all I am trying to do is pay off the $105 so that my record is cleared and I can open a bank account elsewhere. TD bank made is impossible to do.

Desired Settlement: Please remove my outstanding balance of $105 and clear my record so that I can open an account with another bank.

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau complaint.


******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

10/24/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: TD bank charged multiple overdraft fees on my business account; however, my account was never showing a negative balance. The representative over the phone told me that the account balance was negative, but neither the statement nor my online banking shows negative balance. When I addressed TD bank with my issue their response was that I am not able to see when my account was overdraft, and I cannot see a correct sequence of my transactions. When I asked the representative how can I see when my account has a negative balance I was told to keep record of all transactions and subtract it from the available balance. I believe this is the only bank that advises its customers to keep record of all transactions instead of having transparent and user friendly system that allows to view all posted and pending transactions. What frustrated me the most was that manager told me to write all of the transactions on piece of paper, I thought we are in 21st century, but I guess TD bank is not here yet. The way the manager spoke to me was very demeaning; I hope TD bank keeps records of conversation so they can provide it to you.

Desired Settlement: I would like to request from TD bank to refund all overdraft fees that they collected from my account, which is $385.00, and apologies from the manager who was not helpful, but on a contrary she was very insulting.

Business Response: Good Day,


I have attached a response regarding your Better Business Bureau complaint.


Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

10/24/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am a Td Bank some charge are beginning to be requested to be pay to the bank i have inform the in person that there is a situation regarding the unauthorized reuqets of payments for that reason my account********** became overdraw and TD bank charge me 35 dollars till the point that i owe the bank 510 dollars. The problem is that i tried to make a deposit into the bank to pay the overdraw balance and bring the account to a normal status but the bank denied me to make a deposit BUT keep allow the transactions to come in and also charging me for all of those transactions. So the questions is how i will bring the account to 0 balance if i am not allowed to make a deposit or either a wire? i been in a td bank location and i got informed that i should spoke with a supervisor to get a deposit process i wait for over 35 minutes and use my work i didn't wait more longer so it was not success my intention to bring the account to a positive balance. This situation can't continue like this i need to make a deposit and i should be available to so we can close the account causing the issues.

Desired Settlement: I need to be allowed to either make a wire and bring the account to a positive balance or either be allowed to make deposits into the accounts.

Business Response: Good Day,


I have attached a response regarding your Better Business Bureau complaint.



Thank you,


******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response:

Well I just called then and they have not give me choose more than come to a teller am working so is hard for me just to go and make a payment to the bank FOR Overdraw that's why my account is in a negative balance.

So I am open to setup a payment using a wire transfer but still they don't allow it 



Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint #********. Please add your rejection comments below. 

[If you are rejecting the business's response please enter your rejection comments here.]

Regards,

******** *******

 

 

Business Response: Good Day,


I have attached a response regarding your Better Business Bureau.


Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

10/24/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This complaint involves ebay, paypal, and TD Bank. On September 29th I purchased 2 shipping labels from ebay and tried to pay with my paypal balance, but instead they processed the payments via my linked bank account which I never authorized because there was a zero balance. I voided the shipping labels on ebay shortly after. I contacted paypal and told them I never authorized them to take anything out of my savings account because I did not want to get 2 overdraft fees. Paypal emailed me a letter to present to TD Bank regarding the fees and that it was paypal's error. I went to TD Bank on October 1st and told ****** ****** the situation to prevent the overdraft fees. She told me to contact Paypal and that Paypal will continue to try to take the money out of my account, even after I told Paypal and TD Bank 3 times that I did not authorize this. Paypal would not let me remove my bank account due to a pending transaction. On October 2nd, Paypal tried to take the money out of my account for the 2 cancelled shipping labels at 8:08 AM, before the TD Bank even opened. As I had no control over this situation, I put 60$ into my account at 8:33 AM as soon as the bank opened to avoid the 2 overdraft fees. My account was charged 2 overdraft fees for 35$ each, even after I spoke with ebay, paypal, and td bank about 2-3 times. I tried to speak with ****** ****** again and presented the letter from paypal so I can get the 70$ refunded or waived. She told me the assistant manager would call me when she returned from lunch. I tried calling today October 3rd, at 12:37 and again at 2:30. I still have not received a call back regarding this matter. I had to deposit another 200$ because paypal will continue to try to take the money every 3 days , resulting in another 70$ in fees each time, even though I voided the shipping labels on ebays website and told both paypal and td bank 3 times that i did not authorize this.

Desired Settlement: I want my 70$ refunded to my account immediately.

Business Response: Good Day,


I have attached a response regarding your Better Business Bureau Complaint




Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

10/22/2014 Problems with Product/Service | Complaint Details Unavailable
10/21/2014 Advertising/Sales Issues | Complaint Details Unavailable
10/21/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I went into TD bank and asked them to put a hold and Stop Activity on all transactions for Mr. ***** ****** who had been taken advantage by his previous power of attorney. The POA was writing checks and internet drafts against Mr. ******'s checking account against Mr. ******;'s agreement. TD Bank failed to stop Internet Drafts after I personally asked to have a Stop Payment on all of Mr. ******'s accounts. I brought this to the attention of Lisa, the branch manager and they said there is nothing they could do. TD bank changed branch manager during this time, and I brought it to *****'s attention. He told me he looked into it, but there was nothing he could do. Today I went into TD bank to deposit a check, and found that they charged $15 twice for some fee. I asked for that to be removed due the previous incident as well as I was handling the account for the deceased Mr. ******. Again the issue fell on deaf ears. The idea of Customer Satisfaction is hardly practiced at TD bank, and as a result I will NEVER bank or recommend TD bank to anyone. I realize this is just a small issue to TD bank, but to Mr. ******, who was 81 years old, living on minimal funds, it was a HUGE problem. I truly believe TD bank should credit Mr. ****** the minimal funds that were taken against his will, after He and I told TD bank not to allow any more activity on his account. Shame on TD bank, very disappointed with their actions.

Desired Settlement: TD bank should credit Mr. ******'s accounts with all the funds that we allowed to go through after Mr. ****** and I had personally asked for them to Stop activity on Mr. ******'s account, and should credit back the $30 they charged Mr. ******'s account, due to agervation TD bank has caused.

Business Response: Good Day,

I have attached a response for you Better Business Bureau complaint.



Thank you ,


******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

10/19/2014 Billing/Collection Issues
10/16/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I called because I have paid the monthly payments on my account to keep it active with the intention of moving to a bigger city. I have been a TD customer solely for that reason. I was told by a customer Rep I owed dues because of unpayment of the $4.99 on the account. I went to an ATM and settled up on the account (even though I never use it) and was told I couldn't close the account over the phone. I then said I would come in person to close the account and was told because I didn't have a "0" account balance and that I couldn't close it. I was then frustrated that I could't close it over the phone and in person!!! I have put more into this account than it has paid off! And am now told that I can't close it!! The conversation I am sure is recorded.. I now want the account closed plus fees accrued on the account just for keeping active and this being an inconvenience/awful service! I expect a lot more considering I am also a Bank of America and Wells Fargo Customer!!!!

Desired Settlement: $100 refund

Business Response: Good Day,


I have attached a response regarding your BBB complaint.

Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

***** ******

10/16/2014 Problems with Product/Service
10/15/2014 Billing/Collection Issues
10/14/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On September 12, 2014 I receved 9 unauthorized ATM debit withdrawls labelled, *******, *****. PA that came out of my checking account with TD Bank. I immediately contacted TD bank to report these charges as fraud while they were still in a pending status. I spoke to several people who agreed that this has to be fraud as the amounts were over well over $7000 in one day for *******. They advised me that they will place these items in dispute and implement a fraud investigation that can take at least 10 days to investigate and resolve. I called several times since September 12th to check on the status of the investigation and each time I was advised that the investigation could take at least 10 days to research and they could not tell me anything else. I called again today (October 2, 2014) which is now 14 business days later and was advised that my claim was denied??? When I ask why, the representative claimed that when they contacted *******, they confimed my debit card number, the security code on the back of the card and my address?? I advised them once more that this is fraud and that they need to resolve this issue immediatly. The representative stated that there was nothing she could do and I immediately requested a supervisor. The supervisor reviewed the activity and also agreed that "this has to be fraud" as there is no way I would give ******* over $7000 in 9 transactions in one day. The supervisor advised me that she will do another investigation and I should hear something next week. My account is now overdrawn by over $2000 which includes several $35 overdraft fees, and a $15 maitnence fee and the fraud charges plus the overdrafts fees are over $7000. I do not understand why this has happened to my account nor do I understand why this hasn't not been resolved. I do not believe that TD Bank has done a thorough enough investigation not to mention they were very insentive each time I called. I would also like to add that TD bank advised me to contact ******* however when I called they advised me that I need to dispute the charges with TD bank as they could not assist me because the charges had nothing to do with my ******* account.

Desired Settlement: I would like for TD Bank to refund each fraudulent charge that was billed by ******* *****. PA and find out exactly how this has happend to my account. I would also like for TD Bank to refund any overdraft fees that were charged due this fraudulent activity.

Business Response: I have attached the above response regarding your Better Business Bureau complaint.



Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center
?

TD Bank, America's Most Convenient Bank ®

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

***** ******

10/13/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: A little less than a year ago, I opened a line of credit with TD Bank. If I opened a checking account with $100 I was told that I could receive an extra .25 pts off the interest rate so I did so. I put $100 in the account. In February, they charged me $1 for a paper copy of my statement and then deducted a $15 monthly charge for going below $100. I went into the branch in ********** ** and they refunded the charges and assured me that if I had $100 in the account the $15 charge would not occur. I went online and switched to electronic monthly statements immediately and forgot about it. That is why I wanted the paper statements, I get too much email and paper is better. My other banks do not charge me a $1 fee for this and they don't charge me a monthly fee for my business. I received a letter in the mail in September saying that my account had been $40 overdrawn and that it would be closed soon. I have not looked at or used the account since the issue was resolved in February. If I had been getting the paper statements I would have caught this much earlier. They basically stole $140 from me and tried to get away with it after telling me that I would not be charged the $15. I was not aware of the $15 monthly charge when I opened the account and line of credit. I would have looked elsewhere if I had known this. I have sent several emails to customer service and the refunded all but $50 into my account. I am sure that they will still charge me the $15 fee next month also no matter what I do. I want my entire $100 back not half of it and I also think that they should be more upfront with these charges. They can be crippling to someone who is going through a tough time financially.

Desired Settlement: I expect to be refunded the entire amount of money that was in the account and assured that next month I will not be charged the $15 monthly fee.

Business Response: Good Day,

I have attached a response regarding your  Better Business Bureau complaint.


******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

******* ********

10/11/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I recently received a copy of my from the three major credit bureau (Experian, Transunion and Equifax) credit report. The credit report showed on 08/21/2014 a credit inquiry by TD Bank NA that I do not recall authorizing. A credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it

Desired Settlement: DesiredSettlementID: Other (requires explanation) Please have this inquiry removed from my credit file ASAP because it is making it very difficult for me to acquire credit and it reduce my credit score by multiple points. I did not authorized or grant permission for the inquiry with your company

Business Response:

Good Day,

We are in receipt of your Better Business Bureau complaint. We are working closely to resolve your current issue with the inquiry on your credit report. A letter regarding your inquiry will be mailed to you shortly.

Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

10/10/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I decided to switch banks because of the higher interest rate and better advertised product benefits on their checking account. So, I opened my checking and savings online on the 15th of September. And initially the funding didn't go through so I have to mail them a check (mailed on the 16th of September). They processed it on the 22nd, and put a 7 business days hold on the funds that I have just transferred. Afterwards, they also frozen my savings account and the reason was "I have to walked into a branch". When I first opened this account I told them that I live very far away from their closest branch so I was planning to do eBanking. However this wasn't as expected. I still haven't received my signature card thus far. Now I wanted to close all my accounts with them so that I can go back to my previous bank which has a way better policy and customer service. However, they're freezing my account available balance for 90 days for ACHs, transfers and keep telling me that "I have to go into a branch to take money out of the account". This is honestly outrageous. Now there's no way I can transfer my money back to my original bank. Also, the customer representatives (except 2, out of like 20) has been very rude to me so far, like that they don't like their customers. This bank has given me the feeling that they don't care about their customers, they're trying to get a interest-free loan from their customers due to their long holding time for funds. When I asked for the executive office's number they always say "they have none" so I have nobody to call/contact when I need to get this issue resolved.

Desired Settlement: I want a check asap of all the funds I have with the bank and have all the accounts closed.

Business Response: Good day,


I have attached a response regarding your Better Business Bureau complaint.



******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

***** *****

10/9/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I opened an account which required a minimum balance of $100 to avoid any fees. Recently I received a letter stating that my account was $40 overdrawn because of fees. I spoke to the branch manager who was unable to reverse all of the fees and now I have lost my initial deposit. The only action made by the customer (myself) was the deposit. I opened the account with the required amount to avoid this problem. The bank took my $100 and they wanted to charge me an additional $40 in fees. I just want my money back. TDBank on*** (********* *******,********** NY*****

Desired Settlement: $100

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau Complaint for your review and response.


Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

********** ****

10/7/2014 Billing/Collection Issues | Complaint Details Unavailable
10/7/2014 Billing/Collection Issues | Complaint Details Unavailable
10/6/2014 Problems with Product/Service | Complaint Details Unavailable
10/6/2014 Delivery Issues | Complaint Details Unavailable
10/6/2014 Billing/Collection Issues | Complaint Details Unavailable
10/4/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Td bank North has been negligent in not applying my July mortgage payment on time and also creating confusion with my bank Citibank. According to citibank represtive that I spoke to after reporting citibank to the bbb, TD Bank is at fault for the returned payments that resulted in late payments! Their failure to fix a glitch in their system caused all payments from citibank to be returned to the account holders for two consecutive months. Indeed, TD bank returned my automatic payment to my citibank account two months in a row. Apparently TD changed their computer code or software and did not alert citibank in time to make changes. I went to the canal street branch of TD bank on approximately 10th of July to ask what was going on. ***** ** instructed me to go up the street and get a cashiers check from citibank to avoid a late fee. She told me that Citibank sent a letter to TD bank North about the issue. However The next month the same thing happened and I again visited Ms. ***** ** at the same branch. I even reported Citibank to the bbb. They told me the issue was negligence of TD Bank. I had no issue with my September autopay. However, I just realized that they put a fee for July and it should be removed. Suddenly the auto payments that they have been receiving from the same account in the same manner since 2008 resulted returned checks and in great inconvenience to me. I went out my way to fix the issue by visiting a branch and handing them a check for the mortgage two months in a row! Indeed mis ****** ** helped me on both occastions. ****** **@td.com Notwithstanding, I still got a late fee and a bad attitude from the representative when I called the 800 number on September 11,2014 to see why the fee was applied despite being paid before the grace period. He seemed clueless about the issue with citibank or the letter miss NG told me TD bank got from citibank! I demand an apology and removal of all fees associated with their negligence! I do not think its on me to prove to them I paid on time when it was Ms NG or the branches fault as they must not have put the cashiers check that I gave them towards my mortgage on time despite taking the check from me. I'm tired of being inconvenienced and I feel they may have done tgis to get fees from a bunch of people! I have no idea why they got the check on the 21st. Obviously they did something wrong. They need to get their records straight. I contacted ms Ng about the incedent and she has yet to get back to me.

Desired Settlement: remove all fees off my account and out of escrow. Also they failed to honor a morgage adjustment against goverment policey because I am excutor of the estate and are tryingto force me to refinance!

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau complaint.




Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, <st1:country-region w:st="on">America</st1:country-region>'s Most Convenient Bank ®


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10/3/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I do not know how I can be the only consumer (possibly) complaining about the complete lack of personal checking account info disclosure on-line and in real time with TD Bank. Is it me or is it 2014??? AGAIN I have been charged $140 for bounced transactions. I look at my on-line statement (AND MADE A SPECIAL TRIP INTO A LOCAL BRANCH!) and at no point do I see any type of negative balance on my account. Even the teller couldn't explain the charges to me! I am waiting to hear from a customer service supervisor now. How is it this bank cannot show me on-line IN REAL TIME when perhaps fund availability was 'pending' after the fact??? I was told the last time this happened if I would take the time to step into a branch they would be able to show me on-line where/when things happened. And I have discovered today this is not the case. It seems criminal that I can accrue $140 charge (debted instantly against my account) without the same instantaneous view of account info showing me where/when/how these charges were accrued.

Desired Settlement: First I need a refund. Second I need TD Bank to hop into the 21st century and change their info disclosure policy. As a consumer I should be able to see any/all info that they can see.

Business Response: Good Day,


I have attached a response regarding your Better Business Complaint.


Thank you,


******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®




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9/30/2014 Problems with Product/Service | Complaint Details Unavailable
9/30/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: We had a car loan. We were paying electronically. We got notices that we owed two payments because TD was refusing to accept payment. We had a conference call with citi bank and TD. There was no reason for TD to not accept payment. They negated any late charges and apologized. We had another check sent electronically to make sure payment was up to date. They assured us that it was their fault and was being corrected. We were traveling in August when the next payment was due to be paid electronically. Last night after midnight we were awakened to loud banging at our door. We were concerned for our safety. The voice said he was from the repossession agency for TD. We did not open the door but told him he was making a mistake. We called 911. He illegally took our car. It is being returned tonight. TD is paying all charges since it was their mistake. This late night re possession should never happen. We could not call the bank at that hour to tell them they made a mistake. Also, the bank should not be allowed to take our car when it was their mistake. The fear and embarrassment as well as not having a car are unacceptable.

Desired Settlement: Also, assurance of policy change so this cannot happen again to anyone.

Business Response: Good Day,


In response to your Better Business Bureau complaint, a letter explaining your concerns will be mailed to **** ********. Because you are not on the account we do not have authority to disclose any account information.




Thank you,


******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response:

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint #********. Please add your rejection comments below. 

[If you are rejecting the business's response please enter your rejection comments here.]

Regards,
     I thought that my husband,**** gave approval on the phone to communicate with me on his behalf.   If you cannot do that, please contact him at*********@*******.net.        Attention TD car problem

****** ********

 

 

Business Response:

Good Day Mrs.********,

For us to provide you with any information regarding your husband's account, the request must be written. A letter addressing your concerns was mailed to Mr. ******** on September 17, 2014.

Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

9/29/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On July 28, 2014, I went to TD Bank to sign up for overdraft protection. I was told that it would take a week for it to process. On August 20th I noticed my account with a negative balance of 23.08. I was not worried about the balance because I knew my savings account had enough funds to cover the amount. I checked my account the next day and saw that my account was overdrawn $163.08. I then called the TD Bank where I setup the overdraft protection. The customer service representative I spoke with on the phone looked up my account and saw where my holiday savings account was linked to that specific checking account. However, because of the type of savings account I have it could not be used for overdraft protection. She took my number down and said she would call corporate to confirm the reason why no funds were being transferred into the account. She called back with the same answer. She admitted that it was a bank error and insisted that I pay the $163.08 so no other fees would not accumulate over time. I expressed to her that I did not want to pay the full amount and only the $23.08 because the rest was a bank error. The customer service rep insisted that I pay the full amount and that I would be reimbursed with the permission of her manager. She also stated that the manager was sick and would not be back to work. I was not satisfied with the outcome of the conversation and decided to go inside the bank to speak with someone. I spoke with a teller and she also admitted it was a bank error and that the manager was out due to surgery and she would not be back until Friday August 22nd. She also took my number down and said she would give me a call Friday. A week had gone by and no one called so I stopped by the bank again on August 29th. The same teller recognized me and said that the manager was still sick and had another representative resolve the matter. She said that it also was a bank error and I she would contact someone higher for my $140 refund. Product_Or_Service: Savings Overdraft Protection

Desired Settlement: DesiredSettlementID: Refund I would like to be funded $140 in my checking account.

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau complaint.



Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

9/28/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Representative of TD Bank (*****)******* nj recommended I change my account options and add checking account . I informed representative I have a primary account at another financial istitute and I made it very clear I did not need overdraft protection. I also made it very clear that if my limit is over I did not want the debit card to allow me to go over my limit. ***** assured me that was fine. Recently I deposited a overtime check at the TD bank branch in ** ****** drive through at no time did the teller inform me my account was over the limit. When I went inside the branch I learned my account was over the limit after my overtime check had already cashed and deposited. The manager informed me nothing could be done until a branch manager was available which was about in 4 days. I contacted office in ******* where account was set up branch manager said she was only able to give a parcel back. TD bank has charged me $383.00 for less than $40.00 worth of charges. There was no attempt until the last minute by mail or phone to notify me of this matter. Td allowed charges to charge consecutively never notifying me until charges were already billed to my account.I also was told by rep if funds were not available in checking funds could be pulled from savings . There was over $ 400.00 in my savings but yet TD bank decided to charge my checking continuously $35.00 overdraft for $50.00 worth of charges. Managers in mt laurel state could not do anything to help

Desired Settlement: Refund

Business Response: I have attached a response regarding your BBB complaint.



Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

9/28/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I had an account with TD Bank North in the early 2000s. I had used my bank card to pay for items at a local store. Not knowing the balance on my card I had over drafted my account. TD Bank North had charged me a fee which amounted in a sum of few hundred dollars . I tried to resolve the matter in question and got nowhere. I was told I could not put a hold on the account and it would still accumulate charges until l paid off and the only way to close the account was to pay it in full. I had then had my Mother come down to TD north with me to help me pay off my bill . My Mother then asked the teller if she could transfer money to my account and was told that was not possible for some reason or other and had to remove the money form the ATM to pay off the fees I had acquired in over drafts. Upset with the outcome we payed the bill in full to the penny and asked the teller to cancel my account. He had insured me that my account was canceled. A few years later I had tried to open a bank account with Citi Bank and was told I had an outstanding balance with an other bank. the banker manager told me I owed TD bank X amount of dollars.and was not able to open an account with them till the matter was resolved . I had then went to TD bank and talked to the same teller that had closed my account. He had said that he recalled closing my account and had no way to pull up my information because the account was closed. I have since then went back and forth with the bank manager, and bank representatives who had no idea what happened or why i had an outstanding bill on that account. my information could not be recovered and was told me to call the head office of TD Bank. when calling the head office I was then told that i would have to work directly with the bank in question. I had the bank pull then pull the records from the head office and was told the account was never closed and had now had a accumulated fee of ten dollars a month or so for X amount of months in overdraft fee till the account was frozen by the bank. During the time I closed the account to the time I went back to TD Bank NO statements where sent to my address nor did any bank representatives contact me to inform me of the activity on my account. this was i horrible experience and a life changing one . The fact i was not able to open a bank account with other bank and was finally told by the head office that my debt was sold off to a collection company and was out of there hands was appalling. now years later I'm having daily harassing calls by a credit company. I have checked my credit report and has not shown up on my record. Since then have been with Wells Fargo for sometime now with no problem. i still get harassing phone call asking me to pay money I had already pay off years ago. On top of the harassing phone calls, The company TD north had sold my information to has my SSN and personal information. This complaint would have also been with the company but the rude person on the phone representing TD NORTH has not provided any information about this company. I Feel uneasy know that after all the trouble I encountered and after paying off the amount I owe in full and canceling my account with TD north they could still charge me for a mistake a teller made or banking error. As well as not contacting me with regards to account activity on a closed account and then to sell my information to a company not willing to provide me with information about them is appalling.

Desired Settlement: I ask TD Bank North to REMOVE my information from the credit collection company they sold my information and to remove any blemish on my credit record (if any)that I have encountered from TD Bank North not closing my account after paying my balance in full.

Business Response:

Good Day,

I have attached a response regarding your Better Business Bureau complaint.


Thank you,


******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

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9/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I called customer service to inquire about why TD Bank took out $14 from my checking account. The customer service agent was very polite but would not give me any information regarding my account because I did not know the last transaction I did with my debit card. I told her that I could give her my mother's maiden name or another piece of personal information, but she would not do that. Her supervisor also told me the same thing, 'no info unless I knew the last transaction.'

Desired Settlement: I would like for TD Bank to adopt another option so that I can get my banking information with personal info that I gave them. Thank you.

Business Response:

Good Day,


I have attached a response regarding your Better Business Bureau complaint.



Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

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9/28/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I went online to purchase a mattress for my home, I made the Credit card transaction, on August 24, 2014. I was billed That exact day for the mattresses. I then contacted TD Bank August 24, to find out if the transaction when through to QVC.com at there contact number to see if the transactions where possessed, the representative told me that the mattresses where billed. I told them thanks. I contacted TD bank for a balance on my account because i was not online at the time, and they gave me the total balance, with the charges to the mattresses. so i finally get online to check my account, and there was only $283.61 I know i was charged two times for the mattresses and would like to file this as a dispute to receive my funds back, witch should be around $988.00 Around there. The issue was not resolved, because i have TD banks statement, and on that statement, it states that i was charged August 24, on the exact day TD Bank posted it two time on my Account. I have the file but i cant post it on BBB cant find the FIle button.

Desired Settlement: This is against TD Bank.

Business Response: Good Day,


I have attached a response regarding your Better Business Complaint.



Thank you,


******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

9/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: 1) On 09/16/2014 i made two cash deposits on td bank ATM to cover the Capital one credit card online payment. According to TD Bank law or rules cash deposit available right away, not in my case. on 9/17/2014 Capital one online payment was returned and I called customer service and talked to****** to explain the situation and to know why my online payment was returned, he stated that i have to call back when check is clear. I told him that was cash deposit. he replied, Sir your deposit was post as check and there is a hold on it i can't see if it was cash. called when it's clear. if it a cash deposit we will reverse the fee. I called customer service agian to day 9/19/2014 and talked to**** and supervisor***** regarding the situation and explain them the same scenario and what i have been told by wesley, for them to reverse the, they refused to reverse the fee. ***** hang up the phone while i was try solve the issue. This not the first time this bank charge me unfair fee. i am getting frustrate of those bad customer services and services. I have receipts available those above cash deposit transaction. please email me a fax number for the receipts. 2) TD Bank have so many trick to apply fee on customer accounts. that's a shame. clear higher amount fist for them to able to charge insufficient fun for the smaller amount

Desired Settlement: all need refund of those fee and capital one credit fee fees

Business Response: Good Day,


I have attached a response regarding to your Better Business Bureau complaint.




Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response:
Better Business Bureau:

1) I thanks BBB for services they provide to the communities. the services the government suppose to provide but they fail us. If there was no BBB how would we live in this country where the government allow the big corporation to be judge and party.

2) I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

****** ******

9/27/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On 8/20/2014, I was told that my debit card was declined for a $2.00 parking purchase. I paid cash for the parking and was given a receipt for cash payment. Nevertheless, a charge of $2.00 was posted on my account. On the ***e date I was also charged a fraudulent charge of $1.40 from the ***e location, under a different name. I noticed the charges on my account on 8/25/2014 and I disputed the charges with TD Bank, which overdrew my account -$2.98 (if the fraudulent charges had not been processed, my balance would have been $0.52). TD Bank does not charge an overdraft fee for any purchase that overdrafts your account less than -$5.00. They also do not charge for overdraft fees caused by maintenance fees, which I was charged on 8/25/2014 for $4.99. However, TD Bank has hit me with an overdraft fee of $35.00. When I reported the fraudulent charges, I was told that the overdraft fees would be returned if the 2 charges were found to be fraudulent. I received a letter for each fraudulent charge telling me the investigation was complete and my account had been credited for $2.00 and $1.40; however, the overdraft charge remains, and they also hit me with an additional $20.00 overdraft fee on 9/8/2014 (I have not used the account since 8/25/2014). I called TD Bank to have the overdraft fees reversed, as they promised would occur once the two charges were proven to be fraudulent, and the customer service agent I spoke to, as well as his supervisor "***", were rude and combative and were speaking over me. He would not let me speak until I threatened to report my experience to the BBB.org. This is not the first time I have had to deal with this type of rude and combative customer service. This is the second time I have had an account with TD Bank. The first time, when TD Bank first came to Delaware, I received superior service. Ever since I opened my new account, I have been disgusted with their service and have since moved my direct deposits and bill payments to another bank. I have only left my account open so that I can cash my jobs paychecks, whom I no longer work for, and would love nothing more than to close this account. I was told that I was responsible for any repercussions due to the fraudulent charges. Thanks for being on my side and protecting me, TD Bank !

Desired Settlement: I would like the overdraft fees of $35.00 and $20.00 refunded, which would have never occurred had the fraudulent charges never been placed. I would like an apology from TD Bank IN WRITING due to their constant rude and combative customer service.

Business Response: Good Day,


I have attached a response regarding to your Better Business Bureau complaint.




Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

***** **********

9/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I opened a student checking account in May 2011. The account number was**********. I recently learned, upon speaking with customer service, that the account was closed. When I opened the student checking account I informed the bank employee that I would be graduating in May 2014. I was told by the bank employee that I would not be charged with any maintenance fees on the account until a few months after I graduated from school. There was a $50 balance that was on the account. However, without my knowledge, a monthly maintenance fee began to be charged on my account and my account was closed in March 2014. I would not have kept my account open had I been notified that my checking account would be charged a monthly maintenance fee.

Desired Settlement: I spent a lot of time on the phone with TD Bank trying to figure out what happened to my checking account. I am asking that TD Bank please give back to me the $50 that was taken from my checking account. I feel that it is unfair to be told one thing and then for something else to be done. I was promised by the TD Bank employee that no maintenance fees would be charged on my account. Please provide me with my $50 back. I am not asking for any additional compensation for my lost time in dealing with this problem. Thank you.

Business Response:

Good Day,



I have attached a response regarding your BBB complaint.


Thank you,


******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®


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9/26/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I applied online at TDBank.com for their TD Easy Rewards Visa Signature credit card on Sept 8th when they displayed a promotional offer that will give me $200 bonus after spending $500 within 90 days of account opening. I also double confirmed with the customer service on the same day after my online application. The gentlemen I spoke to confirmed this with me over the phone. I received the credit card on Sept 16 and called in to activate the card. To my surprise, the customer service representative told me they can only give me $100 bonus for the same spending requirement. They insist the promotion offer I cited expired on Aug 31st, even I emphasize I did see that promotion offer ($200 cash back) online when I applied on Sept 8th. They just don't want to honor what they indicated online earlier this month. Plus, the customer service representative who identified herself as Audrey gave me an attitude and is not friendly or patient in answering my question at all. I have no choice but to flie a compliant at BBB to resolve this issue. I called ************ at *******, ET on Sept 16, 2014. I hope this information is helpful to locate the customer service representative I have spoken to, who identified herself as Audrey.

Desired Settlement: 1. They should honor what they indicated online back on Sept 8, even they said the offer expired on Aug 31. My believe is whatever you showed on the Internet should be honored regardless. So, I request a $200 cash back after I satisfy the spending requirement of $500 within 90 days of account opening. 2. The customer service representative is not friendly at all and it is NOT pleasant at all to speak with folks of that type. I'm not sure I will have more business with TD bank. For the inconvenience and bad customer service experience, I request an additional compensation of $100.

Business Response: Good Day,


I have attached a response regarding your Better Business Bureau complaint.



Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response: Please kindly forward my message below to the business - TD Bank

"I appreciate you getting back to me with the result that I have had expected from the day I received the credit card at the very beginning. It's a bit concerning that my two calls to the customer service representative on that night gave the same result of only 10,000 bonus points after satisfying the spending requirements. To make things worse, the customer service supervisor even refused to take a second look or forward my concern to a different department for further review. She simply said there is nothing she can do... So, while I do thank you for making it right after my complaint via BBB, I was wondering if there is something additional you can award me to compensate for the frustration and inconvenience I experienced in the process. I do select to "Accept" the resolution already but I am hesitant in continuing to bring business to TD Bank after this unpleasant incident, though I would like to believe it's once-in-a-while issue that will repeat in the future.

Please let me know what you think.

Regards,
******
"




[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

****** *****

9/23/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: TD Bank - as it has done in the past - hides transactions so a customer believes they have availability to funds when they actually do not. TD hides these transactions and charges for 'pending' transactions before they are actually applied to the account. This way they can go in and take the last bit of money a customer has for overdraft fees and whatever other fees they want. They do love to make your account go under $100 so they can also apply a monthly fee of $15.00. I just found a site on Facebook which is TD's page and the amounts of complaints due to how they rip their customers off is astonishing. Despite how they say they are the most convenient bank, I believe they stay open late and pay their employees hourly so they can steal from their customers.

Desired Settlement: I ask that TD refunds all disputed overcharge fees they have hit to me and ALL THEIR other customers by not posting on a customers account online the true activity and balance as it happens. They are wrong in their practices and their customer service people on the phone need to be more understanding and work with people and not against them. They are horrible.

Business Response: ***** * ********

9/23/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I went online to purchase a mattress for my home, I made the Credit card transaction, on August 24, 2014. I was billed That exact day for the mattresses. I then contacted TD Bank August 24, to find out if the transaction when through to QVC.com at there contact number to see if the transactions where possessed, the representative told me that the mattresses where billed. I told them thanks. I contacted TD bank for a balance on my account because i was not online at the time, and they gave me the total balance, with the charges to the mattresses. so i finally get online to check my account, and there was only $283.61 I know i was charged two times for the mattresses and would like to file this as a dispute to receive my funds back, witch should be around $988.00 Around there.

Desired Settlement: For a federal investigation on my account to find out why i was being charged two times.

Business Response: ****** ***** ******

9/22/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: this is my 4 th time I had to file a complaint against TDBank. I was charged $175.00 for overdraft funds after depositing the day prior. I am appaulled as bank is very quick to denie a lump sum but charge me several overdraft on the lump sum after I have enough in my savings and current deposit to minimize and avoid being charges soo much overdraft fees. I demand the $175.00 is reimbursed especially since I post an average of $700.00 on weekly basis. I feel they are taking advantage of the overdraft policy by overcharging and quickly failing to post deposits. There is a delay when posting pending transactions which goes against the advertising of TD bank being accessible 7 days a week 24 hrs a day. Yet they prolong posting more then many other banks. I'm starting to believe it's so they can control situations such as these where they can capitalize on the overdraft charges. I request the refund the $175.00 into my account.

Desired Settlement: As mentioned I request they refund the overdraft fees $175.00 which was debted from my account on Sept 2nd even after I deposited $2750.00 on Sept 1st.

Business Response:  Good Day,

I have attached a response regarding your Better Business Bureau complaint.


Thank you,


******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

Consumer Response:
Better Business Bureau:

I have reviewed the response submitted by the business and although I still have a hard time understanding their way of handling their deposits vs debts and which they prioritize to post to reflect a profit for the bank and not for customers interest. Ive determined that the response does satisfy my issues and/or concerns in reference to complaint #********since the money was refunded to my account.

Regards,

******* *******

9/22/2014 Billing/Collection Issues
9/22/2014 Problems with Product/Service | Complaint Details Unavailable
9/16/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Recently I acquired 2 overdraft charges on the account that I hold with this account that the bank was unable to explain. I had 2 charges clear my account on 8/28 214.99, 7.45 which I was then charged 70 in over draft fees for however I was still in a positive standing on my account of 3.29. The following day, today, there was a charge for 79.95 that left my account in a negative standing of 76.66 which I would have understandably been charged a 35 fee for. When i called in to inquire about why my account was being charged these fees i was initially told it was because i had been charged for 5.99 bank fee and a 1.00 paper statement fee that posted back on the 22nd of august, then was told by my branch manager they were being charged fr the 214.99 and the 7.45... My first problem was that I was being told 2 different things almost as if they were making excuses for charging me the fees. I also found that they were much less likely to listen to me and my complaints as I had another instance very similar to this one but my account over drafted in the amount of like 8 or 9 dollars so my branch manager at the time refunded me the 140$ in fees but everyone of the people i spoke to on the phone did tell me that had i not already had such a large refund on my account they might have been able to do something for me.. TD bank claims to be Americas most convenient bank but I think they are the bank that does what ever is the most convenient for TD bank. I was told multiple stories about why these fees were being charged to my account over the course of the hour and 20 minutes i spend on the phone with these people today and none of them could get their story straight. I even sat and reviewed my account with my step mother this evening to see if she understood what it was they were talking about and she couldn't figure it out either. No one at the bank will listen to me and there has clearly been a bank error that they are refusing to correct because they are working on getting the 140$ I was refunded back. If I can not get this handled in the correct way I will have to spend money I don't have to retain a lawyer because I will not be taken advantage of by financial institution. I am literally in the right and owe them no more then 35$ in overdraft charges for these 3 transactions and the are charging me 105$. This is ridiculous.. I will pay over draft fees when I have over drafted my account and I owe them however I am being completely taken advantage of and no one that works for this bank is listening to me. my account had 2 70$ fees applied to it today, there is also a pending transaction of 79.95. the current balance on my account is -146.66.. What do you get out of this? My account was clearly not in the negative until the 79.95 was posted to the account. The 70$ are just misc overdraft charges the bank woke up and decided to post today...

Desired Settlement: I would like at least the 70$ refunded to my account, and I would like to feel like my bank is going to listen to me in the future even though I have had charges previously refunded on my account. If you look at the account history I pay my over draft charges with no questions or complaints when its not a banking error. Its very frustrating. I would also like it if when I called on everyone was on the same page about what was going on with my account. I feel completely lied to. How am i supposed to trust these people with my money?

Business Response: I have attached a response regarding your Better Business Bureau complaint.


Thank you,

******* ** ******** * ******** ********

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

9/16/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: TD Bank advertises next day availability on deposits. as per customer agreement, they may hold deposits over 5,000 dollars longer. I deposited 4200 dollars and was informed after my debit card was rejected, they are holding my deposit up to 7 business days. I have made deposits like this before, from the same bank and never had an issue

Business Response: I have attached a response regarding your Better Business Bureau complaint.


Thank you,


J****** ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®

9/8/2014 Problems with Product/Service | Complaint Details Unavailable
9/5/2014 Billing/Collection Issues | Complaint Details Unavailable
9/4/2014 Problems with Product/Service | Complaint Details Unavailable
9/3/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am FURIOUS with this bank, I called in about a week ago after reviewing inquires on my credit report to see if an account was opened up fraudulently and there was. So I asked them to PLEASE close the account because it didn't belong to me & they refused saying they would only put a "hold" on the account and the person can still very much so use the account in the meantime. What type of practice is this!! I cannot believe you guys would not close this account down immediately before something much worse happens like they end up over drafting thousands and dollars and I get my credit score ruined. I am beyond disappointed in this practice. Social Security # *****

Desired Settlement: Please, again PLEASE CLOSE THE ACCOUNT OR ACCOUNTS IN QUESTIONS. They do not belong to me. Contact me at**********

Business Response: Good Day,


I have attached a response regarding your Better Business Bureau complaint.


Thank you.

******* ** ******** |Customer Advocate

Chairman's Service Center

TD Bank, <ns0:country-region>America</ns0:country-region>'s Most Convenient Bank ®



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Consumer Response:

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below. 

[The account is still very much open, according to the lady on the security team she won't close it until she reviews footage and what not. I'm in texas right now on a job till mid September and she wants me to go into a TD bank and file a forgery report which is not possible. From where I am there is no TD banks in Houston. Also she wants me to go to Homestead, FL and file a police report because the account were open there none the less its an hour from my house and they won't let me file a police report over the phone. So this is becoming quite the mission, I've asked her to forward me the forms & I will mail them to her from where I am she didn't bother to respond I have been trying to contact her since Monday and she doesn't respond to my emails. Honestly this upsetting I want the account closed & I don't think I am going to achieve this working with this lady who wants me to do the impossible right now.. ]

Regards,

******* ********

 

 

Business Response: Good Day,

Please see attached letter.



Thank you,

******* ** ******** |Customer Advocate

Chairman's Service Center

TD Bank, <ns0:country-region>America</ns0:country-region>'s Most Convenient Bank ®

9/3/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On June 23, 2009 I walked into your *** ***** ******** branch on *** *** and **** ** to open a student checking account. I opened the account with a $50 deposit; I was advised that student checking accounts are fee free. Sometime between October – November of 2012 my account was switched from a Student Checking account to a Simple Checking. Obviously I didn’t request this change the bank went ahead and switched accounts on their own. I endured a “$3.99 Maintenance Fee” on January 11, 2013 and on February 13, 2013. On or about February 22, 2013 I called your customer service number and wanted to know why I am being charged these $3.99 monthly fees. I was advised that the Simple Checking product has a $3.99 fee and was told if I switched to a Convenience Checking I won’t be charged any fees if I have a $100 balance. The customer service rep at the time gave me credit for both $3.99 fees which brought my account balance to $50. February 25, 2013 I went into your branch and deposited an additional $50 into the account. Now my balance is $100.00 and I was assured that I won’t endure any more fees which were true up until December 13, 2013. Barely not even 10 months and I was enduring fees again, I called Customer Service once more on or about December 26, 2013 to find out why $1 has been deducted from account. I was advised that if I wanted a paper statement it would cost me $1 monthly. Meanwhile I was getting paper statements for all these years. I never received any clear notification from TD Bank stating that my account will be charged a $1 monthly fee if I wanted a paper statement. It almost seemed like it was a quick change the bank decided to do without prior notification. The customer service rep told me to enroll in online banking for this fee to be waived. I immediately obliged and setup my online banking and enrolled in paperless statements. The representative also went ahead and issued me the $1 credit on December 26, 2013. So at this point my balance was a $100.00 and I was enrolled in paperless statements. I was assured by the representative that I won’t be charged any additional fees. I as a customer of your bank should have some sort of security and peace of mind that my money is safe once it’s deposited. The entire amount in question is only a $100.00. The $100.00 would have been safer in my pocket. Your representative never advised me that I would be charged a $15 fee for that bill cycle because of this surprise $1 fee that came out of nowhere. She also didn’t bother with setting up some sort of account follow-up to credit the $15 fee on January 13, 2014 when it was charged. Maybe an account follow-up would have been too much but she should have at least advised me that I would be charged a fee so this way I could have called in to get it credited back or at least deposited an additional $15. Some way or another the representative was just concerned with that particular day and saw it as none of her business what would happen to your customers the next day so she decided not to advise me of the $15 fee or simply just didn’t remember. Again going back to what I previously stated “I as a customer of your bank should have some sort of security and peace of mind that my money is safe once it’s deposited” do I really have to login to my online account which by the way is so difficult and totally not customer friendly. How often do you expect me to login in to my account every hour, every day, every week, or every month to make sure my $100.00 didn’t disappear? Common who are we kidding. I was assured that I won’t be charged any additional fees. I received the enclosed letter from TD Bank dated August 21, 2014 that my account was overdrawn and I owe the bank $40. Immediately the next day after received the referenced letter I called up customer service to see what had happened. The rep wanted to verify my account with a recent deposit. I told the rep I deposited $50 on February 25, 2013. She then asked how she may help me with my account. She seemed so grumpy and didn’t even want to explain the situation to me. I instead asked her to help me access my online account so I can view the situation for myself. Once I got access to my online account and pulled my statements I saw the problem. I explained to her the situation she responded “go to the branch” at that point I asked to speak with her supervisor. A few minutes later *** answered and I explained to her the situation once more. As I was explaining to her I used the $50 deposit on February 25, 2013 as a reference that I have been abiding by all your rules over the many years. All of a sudden she mentioned to me that she can’t see that deposit and her system does not allow her to go back into 2013. I then asked her how the previous rep was able to verify this deposit and allow me access to my account and help me. She had no answer, so it was one of two things. One being *** was obviously lying or Two it could have been that the first rep just went ahead and granted me access to my account when she really didn’t get answers to the proper security questions making this a bigger problem and making me worry about my account and my account privacy! *** went ahead and waived the $40 that I didn’t have and brought my account balance up to $0. What about my $100? Where did that ago? She had no answer for me but she knew that I wasn’t at fault. I was able to understand that she didn’t have authority to give me back my $100. So I asked her for the next higher up in management and she advised me that she can fill out some sort of form and submit it to the next higher up department and they will review the situation and call me back with 48 hours. I thanked her and we hung up. August 28, 2014 I received a call back from ****** Employee ID #******* who was a centralized resource escalations manager. He starts off by saying he will meet me half way and issue a credit for some fees. I responded to ****** saying this isn’t a negotiation scenario. He then says all he can do is just give me an additional $45 bringing my balance from $0 to $45. I am currently left with a loss of $55. Why should I lose $55 for something that isn’t my fault? TD Bank implemented this $1 paper statement fee as a surprise with almost no grace period for customers to sign up for paperless statements. There was no proper notification and how do you expect me a customer to abide by all your rules without proper notification? From day one I have adjusted myself to abide by rules and alongside your different products that were offered, transitioning from Student Checking to Simple and to Convenience Checking. Nor can you say that am a careless customer who doesn’t follow up. I would like my $55 credited back to my account, as this is no way my fault. Please make the proper adjustments.

Desired Settlement: $55 REFUND

Business Response: Good Day,

I have attached a response to your BBB complaint.


Thank you,

******* ** ******** | Customer Advocate

Chairman's Service Center

TD Bank, America's Most Convenient Bank ®


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Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

***** ******

8/31/2014 Billing/Collection Issues | Complaint Details Unavailable
8/30/2014 Billing/Collection Issues | Complaint Details Unavailable
8/30/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: My account with TD Bank had a feature remove that allowed charges to go through when there wasn't enough removed. TD Bank is still allowing charges to go through and reversing the charge then billing me $ 35.00 per transaction.

Desired Settlement: As of 8/18/14 the amount in total is $ 315.00 that is should be refunded to the account.

Business Response: Good Day,


On May 21, 2014 we sent you a written response which explained our funds availability policy and how transactions are posted to your account. At that time, as a courtesy, your account was refunded $175.00 in overdraft fees. At this time we are unable to issue you any additional refunds.


Thank you,

******* ** ******** |Customer Advocate

Chairman's Service Center

TD Bank, <ns0:country-region>America</ns0:country-region>'s Most Convenient Bank ®

8/26/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: TD BANK has refused to honor a overdraft settlement check and has been changing my checking transactions to create over draft fees.I summit this information to the Massachusetts Attorney Generals Office .I also contacted the 9th District Representative ******* *****.This takes a good amount of my Disability Check .The bank will not respond to me or any one elsoverdraft

Desired Settlement: Pay back all monies owed.

Business Response: Good Day,


I have attached the a response regarding your Better Business Bureau complaint.


Thank you.


******* ** ******** |Customer Advocate

Chairman's Service Center

TD Bank, <ns0:country-region>America</ns0:country-region>'s Most Convenient Bank ®

Consumer Response:

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # 10170600. Please add your rejection comments below. 

[If you are rejecting the business's response please enter your rejection comments here.]

Regards,

****** *******

 

 

Business Response: Good Day,


I have attached above a response regarding your rebuttal.



Thank you,

******* ** ******** |Customer Advocate

Chairman's Service Center

TD Bank, <ns0:country-region>America</ns0:country-region>'s Most Convenient Bank ®



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8/26/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I opened a checking account several months ago. Recently there was two fraudulent activity on it. So of course I filed two separate fraud cases. The account was negative till this issue was resolved. According to the customer service rep at the 800 number that was fine and She noted my account. The lady at the 800 opened a new account for me to use while the one that was over drawn was fixed. She never put a reason why this account was opened up. So that flagged my account as FRAUD. I opened up a savings and a holiday account. Ready to start savings. I also went into the bank and opened up a youth savings account for my daughter. After a week of all my accounts being frozen due to Fraud, NO ONE called me and told me this, I found out as I couldn't log on to my online account so I called to get a balance. I immediately called the ********* Branch and they VP/Manager appeared to want to help me and claimed she was doing all she could. She said she understood and that there won't be any issues that she would fix them. I called and talked to the someone in the Global Security Dept and she told me that it was up to the branch what happened to my account, since in the end they own the account. A couple laters, I deposited cash into my new checking account and placed an online order. that ordered ended up being canceled, but the bank still won't release the funds to me. I got the letter (several) from the company saying that the order was canceled. That wasn't good enough. They still froze my account and kept saying they have to protect the bank, but what about me. I haven't done anything wrong and they treated me like a criminal. I spoke with **** in Global Security on Friday and she said that once they get the letter from the company she will be able to release everything and I would be good to go. But Once again I was lied to and completely mislead. I received a phone call from the VP/Branch manager yesterday saying that I need to close my accounts immediately. I haven't even done anything wrong. I don't understand why your slogan is Bank Human, as I haven't dealt with any human beings at all during the last month. I left the bank last Friday Crying and nobody cared. I talked to **** in Global Security - Vermont, Crying and she had no compassion, nothing, she didn't even care what this was doing to to me. That is what I get for doing the right thing and reporting Fraud on my account. Next time I won't. I will just the company take advantage of me and my hard earned money.

Desired Settlement: I am not really sure what I want, besides my checking account and my daughters savings account being opened back up. I didn't do anything to deserve this and neither did my daughter. I would like your employees to remember that they are suppose to be HUMANS. You mislead your customers.

Business Response: Good Day,


I have attached a response regarding your Better Business Bureau complaint.



Thank you.


******* ** ******** |Customer Advocate

Chairman's Service Center

TD Bank, <ns0:country-region>America</ns0:country-region>'s Most Convenient Bank ®

8/25/2014 Billing/Collection Issues | Complaint Details Unavailable
8/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: TD Bank's deliberate disregard to correctly process electronic transactions has caused repeated $35 overdraft charges to be placed against my account (acct#**********). The processing of electronic transactions isn't difficult and is practiced successfully without having the account holder incurring overdrafts by many banking companies. The process is simple, the funds are available or not. If the amount to be processed is less than or equal to the available amount, then success and remove that amount from the available. If the requested funds are more than the available, then decline. But this is not how TD Bank conducts their transactions and depending on what service agent you question it can depend on a magnitude of song and dance answers. It's obvious TD Bank's practice of charging fees for circumstances they have created and imposed on me and other customers is unethical and possibly more. I have requested that all overdrafts be removed from my account and as of today they all have not.

Desired Settlement: I want all the overdraft charges removed.

Business Response: ********* *******

Consumer Response:

 

*** ******** clearly ignored the issue I referenced in my complaint stating how TD Bank processes their electronic transactions and that TD bank is creating an account environment for producing overdraft charges. I have no intention of paying charges that were obtained under these circumstances, nor will I continue to conduct any financial transactions with TD Bank until all my overdraft charges are removed.  

Regards,

 

 

 

Business Response: Good Day ********* *******,

In regards to your rebuttal, I have attached below a response to how TD Bank processes electronic transactions.


A Customer's available balance reflects pending debit card authorizations on the day we receive the authorization from the merchant. This authorization remains on the account for up to three business days or until it is collected by the merchant. While the majority of transactions are collected the day after they are authorized, if the merchant takes more than three days to collect the transaction, the authorization will no longer be held against their available balance. Checks, ACH and other electronic debits may not appear as pending transactions in Online Banking because they are often received by the Bank during overnight processing.

Transactions are processed at the end of each Business Day in the following order; which may not be the order in which they occurred:

1. Deposits that have become available to you

2. Pending debit card, ATM or electronic transactions that have been authorized but not yet paid

3. Outgoing wire transfers, return deposit items and debit adjustments in highest to lowest dollar order

4. Overdraft fees, other returned item fees and deposit return fees in highest to lowest dollar order

5. Checks, debit card, ATM transactions, online bill payments, transfers and payments to other people, all other account fees (except those in #6 below) and all other items in the highest to lowest dollar order

6. Fees, such as monthly maintenance fees, assessed at the end of a statement cycle





Thank you,

******* ** ******** ********* ******** ********** ******* ****** ** ***** ************************************************** **** ********** **** *

Consumer Response:

 

If the overdraft charges are not removed from my account this complaint will be unresolved and I will continue to pursue its conclusion elsewhere.

Regards,

 

 

 

8/25/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On aug 4th I visited my local td bank to make a deposit due to a pending transaction. I spoke with a teller and she advised me that because the transaction was still pending that I would not be charged any over draft fees and that to keep the account in good standing, a deposit of $80 would need to be made. Since the deposit, no other transactions have been made on the amount and my account has been charged a total of$140 in overdraft fees on charges that didn't even overdraw the account. I have statements that were printed directly from the bank that shows that the amount was not overdrawn at the time the fees occurred and still no one is willing to fix the account.

Desired Settlement: I want the bank to fix their errors and my account. I was given incorrect information several times and was charged $140 in overdraft fees for $6.97.

Business Response: Good Day,



Attached above is a response regarding your Better Business Bureau complaint.


Thank you.

******* ** ******** |Customer Advocate

Chairman's Service Center

TD Bank, <ns0:country-region>America</ns0:country-region>'s Most Convenient Bank ®

8/22/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: More than failing to provide assistance, TD bank told me not to cancel a check, in the amount of $1,600, when I reported it stolen back in March. This was a personal check made out to my landlord's real estate company for rent. It was then cashed fraudulently by a third party. I went to the bank, they told me to sign an affidavit, and ten business days later an investigation would be opened. Two days later I went into the bank to check in. They told me they gave me the wrong form, and that it was my landlord, the intentional recipient of the check, who needed to sign the affidavit. I took the affidavit to my landlord, but since the affidavit was not filled out correctly by my bank, the landlord refused to sign it, due to his own lawyer's advice. The bank said since he won't sign the affidavit, there was nothing they could do or tell me. I filed with my local police department, they then subpoena'ed the bank and found out it was Citibank that cashed the check, over to a man named ***** *******. I went to my bank with this information, and knowing that my landlord was NOT the payee of the check and never received the money, they still refuse to do anything at all. I find this highly unacceptable, considering our country has financial institutions and insurance to protect against check fraud.

Desired Settlement: I simply want the $1,600 returned to me as I have paid the missing amount to my landlord out of my own pocket. I also want TD Bank to formally inform Citibank of the fraud so that they can hopefully change their policies and discover the employee that committed the fraud. It bothers me that TD Bank has not done this.

Business Response: ******** *** *******

8/20/2014 Problems with Product/Service | Complaint Details Unavailable
8/17/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: 7/29/14 approximately 11:30 A.M. I received a call from******* from TD Bank, ******* Branch (************), in reference to a check that I deposited for $770.00 on 7/24/14. Malieka informed me to pick up the check or that I could have the check mailed to me, the funds where reversed, with no explanation. I told her that I would come to the branch to rectify the problem. I deposited a check to my account, that was indorsed by the third party, which I had done on more than one occasion. I was not aware that this had to be done through a teller. Within an hour I was at the branch, and the problem was rectified. I was told that the fees where taken on 7/28/14 because the check had to be verified. I called the bank on 7/25/14 because there was a hold of 170.00 to verify the check, by 7/26/14 the check was cleared and the funds where released. ***** from the ******* Branch physically pulled my check and reversed the fees. I believe this is only done in "certain neighborhoods." I have never experienced this at my branch, which is the *** ******* Branch. If I had been notified I would have gone to the branch in sufficient time (before close of the business day on 7/28/14) to avoid these fees. When I went to the branch on 7/29/14 I was offered no assistance and was told that I could dispute the charges once they where shown on my account (so you can reverse a check, overdraw my account, notify me after you have racked up 175.00 in fees), but you cannot remove the overdraft fees. If you live in a modest neighborhood, you are taken advantage of. This is a prime example.

Desired Settlement: I believe that I am entitled to an entire reversal of these overdraft fees. This could have been rectified with a simple phone call on 7/28/14 as I had been notified to "pick up," my check on 7/29/14. Malieka as well as the customer service representative at the branch should not have customer service positions, as they are not helpful or courteous to the public.

Business Response: ******* ******

8/17/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been with this bank 15 yrs & never had a problem until Jan 14 when someone stole my debit card . I was in jail at the time my card was stolen did not find out that it was stolen until Jan 21 when I was release the bank has taken my disability check & they still say I'm overdrawn . 

Desired Settlement: Return the $741.00 I am disabled . 

Business Response: Good Day,


I have attached a response regarding your complaint to the Better Business Bureau.



Thank you,

******* ** ******** |Customer Advocate
Chairman's Service Center
TD Bank, America's Most Convenient Bank ®

Consumer Response:

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint #********. Please add your rejection comments below. 

I am sending a letter in regards to a bank in **** **** FLA taking my money as I was in jail. I was arrested on 1/11/14. As I was in jail, someone broke into my house & stole my debit card & pin number and the bank has taken my SSI Check & Social Security Check & now they are saying I still owe them $ 181.59. I have talked to this Bank several times. I have showed them the police report and they are still refusing me my money. I was in jail from 1/11/14 to 1/21/14. I am going to send a copy of the police report, bank statement, investigations officer.

My house was broken into between 1/11/14 to 1/21/14. I was released on 1/21/14. I have had service with the bank for 20 years. I was banking with them before TD had bought them. I have never had a problem with this bank until now. I checked my account and also used my debit card on 1/10/14 the day before I went to jail. I had a balance of $7.31 in my account. I always felt my money was secured but now I feel like I can’t trust a bank. And, now I have another bank and because of TD Bank, I have to pay a maintenance fee because TD Bank is still showing  I owe them money.

Regards,

******** ******

 

 

Business Response: Good Morning Mr ******** ******,

Please contact Aaron Boguen regarding your concerns.
His telephone number is **************.

******* *******
TD Bank
Chairman Service Center

8/16/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: July 1, 2013Re: Letter from TD BankTo Whom It May Concern:I constantly receive this mail TD Bank and told them on many occasions that I have never had a Lockbox in their bank, never used a lockbox, and was never given a key. I had very little money in the bank there and closed the account out because I did not like working with them.I have asked on several occasions that they leave me alone and stop harassing me about this, but it does no good, they continue sending this information.I was told when I Opened the account at TD Bank, that the first year ifI wanted it I could have a FREE lockbox, but never got a lockbox, a.key and never used one at this bank. I sent my son to sign on the account in case it was ever necessary to get into the account. That is all.Please advise as to what I should do at this point. There was some confusion about the debit card and I had to walk outside With one of the fellows at the office to see if it would work, that is all I have ever received from them. Apparently they have lost the key. I have a lockbox at BB&T Bank and have had it there for many years, that is the only one I have ever used.****** **** *** ******* **** **********, SC ***** Home : ************ Cell: ************

Desired Settlement: see Attached document

Business Response:

Consumer Response:

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint #********. Please add your rejection comments below. 

To whom it may concern, I signed a form for them to close the box and was told they would let me know. I have heard nothing yet.

Regards,

****** ****

 

 

Business Response: Good Day,


I have attached the response regarding your Better Business Bureau.



Thank you,

******* ** ******** |Customer Advocate

Chairman's Service Center

TD Bank, <ns0:country-region>America</ns0:country-region>'s Most Convenient Bank ®

8/15/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am being charged overdraft fees for debit charges when i clearly had an available balance more than the debit amount. By being falsely charged overdraft fees it caused my account to go into negative ending in more overdraft fees. They reversed two of the four false charges but it still resulted in my account being charged more overdraft fees. Every time I use my card i check my available balance to make sure i do not overdraft. My statement also clearly shows my account was in positive when charges went through and after i still have a positive balance and i was still charged four fraudulent overdraft fees, resulting in my account being negative making more transactions overdraft. And i also have three different bank statement showing two different versions and account balances of the same transactions. this is not the first time they have done this I would usually just pay it, but after being belittled and insulted by bank manager saying" Mr. ***** you just simply do not know how a bank account works" I am completely fed up with being a victim of TD Bank's underhanded business practices.

Desired Settlement: I just want the overdraft charges taken off. I will pay any money and overdraft fees that are legitimately owed. please help, thank you

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau complaint.



Thank you,

******* ** ******** |Customer Advocate

Chairman's Service Center

TD Bank, <ns0:country-region>America</ns0:country-region>'s Most Convenient Bank ®

8/14/2014 Billing/Collection Issues | Complaint Details Unavailable
8/12/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: Td bank charged me over 450 dollars in just a few days for overdraft fees that were never explained correctly. The same thing happened to a close friend of my and told me to contact you. I have called td bank and they all tell me different things. I have been a loyal customer for over 10 years and plan on leaving due to lack of customer service and charging my account numerous times. I Hope you can help me get back all these over drafts.

Desired Settlement: I just want the overdrafts refunded to my account

Business Response: ***** ** ****

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

***** ****

8/12/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I opened a checking account online 7/12/2014 and received debit card 7/21. I attempted to set up online banking and website locked me out even thou all information was correct. I called the phone number provided and they refuse to help by saying I couldn't verify the account after giving all the correct information. They asked me to verify the direct deposit on the account. I said at that direct deposit has not been set up yet and the only deposit on there would be $25 i put in when I open the account 7/12. Then they asked me to verify the exact date which was 7/12 but later I found apprently TD didn't post it till 7/15 even thou I received a confirmation email from TD the deposit was processed 7/12. How can I verify 7/15 when I had a confirmation that says 7/12. They refuse to assist me in setting up online banking and this was after the first rep hung up on me. Then on the second call I spoke with another rep and a supervisor which I think it was just another rep. They asked me several times about a bank statement. I said again this account was a week old how would I have a bank statement. Then they said I needed to go into the branch because nothing they can do even they also said the branch can not help with online banking. On 7/24 I deposited my paycheck at atm thinking it would credited the next day. On 7/25 imagine my surprise when I found the account had overdrawn by $80. I called customer service to find out what's going on and they said they are holding your deposits for 7 days but I can go into a branch and a manager can make the funds availble now. However, at the branch was a different story, they said that was not true and the atm is not emptied until after 1pm and we would only credit $100 and difference the next day. At this point I'm ready to close this account however I just purchased checks and had my direct deposit moved over to this bank so I'm stuck for now.

Desired Settlement: Set up online banking and removed over draft fees asap.

Business Response: Good Day,

I have attach a response regarding your Better Business Bureau Complaint.

Thank you,

******* ** ********

Chairman's Service Center

TD Bank, <ns0:country-region>America</ns0:country-region>'s Most Convenient Bank ®

8/12/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I called in to do a stop payment on a check on July 17th representative advise it would take 24 to 48 hours for stop payment to go thur I also was told I would see a negative balance on my account but will still have the funds available I proceeded to use my card with that information on Monday July 21 I called in to TD Bank to ask why is it that my account still looks overdrawn of the amount of the canceled check of 955.43 representative advise me my account will still look overdrawn but it is not it will take another 24 to 48 hours to clear and I have a balance of two hundred something dollars that is still available when my direct deposit came in on Friday July 25 I called in again to TD Bank and ask why I did not receive my full pay from work representative then advise your stop payment did not go thru rep offered me a supervisor after speaking to supervisor he said he would refund me the charge for stop payment he also advise they will pull call because I was told the wrong info it would take a 24 to 48 hour call back after speaking with Supivsor tiesha she advise I would not get a refund for any overdraft fees which was 175 and a 105 I am a single mom of four and I am being evicted from my home it is unfair that I was told wrong info the only one suffering is me I called not once and was still never told my stop payment did not go through my money is important to me and by looking at my account I live pay check to pay check please help me I'm out 955 + 175 + 105 I took the time to call TD Bank over and over again they failed me as a customer

Desired Settlement: I believe a full refund is owed to me and a formal letter apologizing I really did just follow what was told to me

Business Response: Good Day,

I have attached a response regarding your Better Business Complaint.


Thank you,


******* ** ******** |Customer Advocate

Chairman's Service Center

TD Bank, <ns0:country-region>America</ns0:country-region>'s Most Convenient Bank ®

8/9/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: My account has been charged a $140.00 overdraft fee because of the dates that items cleared even though there was more then enough funds to cover all my charges. I was given an overdraft reversal of $35 which I was told would be credited to my account immediately but it wasn't and then I also deposited another $40 into the account which didn't process until the next business day after the over charges went through and now I'm left with $140.00 in charges. I was also told by the supervisor on the phone that you guys have access to pending charges that I can't see before they hit my account. I'm a new customer just switching over from chase. If this is what I have to look forward too I'll gladly switch back.

Desired Settlement: Reverse all overdraft charges please.

Business Response: Good Day,

I have attached a repsonse regarding your Better Business Bureau complaint.


Thank you.

******* ** ******** |Customer Advocate
Chairman's Service Center
TD Bank, America's Most Convenient Bank ®
?

8/9/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I was attempting to pay bills today with my td bank checking account . I found that my account had been levied against. After multiple phone inquiries I found that someone named ******** ******* had a judgement against them and they took the money from this account because my daughters name is ******** ******* and it is on my account. They took 1456.86 plus a $125 processing fee. I spoke to the ocean county sheriff s department and lawyers involved. The social security number and the address do not match my daughters information. They never sent me any information by mail or email. I am not currently in NJ so this is especially upsetting. After speaking to two different people from the levy dept. of the bank I still received no assurance they were going to take care of the problem. When I repeatedly asked how they verified it was Kimberly since nothing matched they responded "we'll people move all the time". The address they have is somewhere in toms river NJ, my daughter lives in Another state. And has never lived in toms river. They could not review the paper work today because they were waiting for it to be scanned in which can take 24 to 72 hours. It has been longer than that. They took out money on 7/18/2014.

Desired Settlement: I want the money put back without any credit reporting on anyone. They should also compensate interest and if my bills r paid late or if any checks may be rejected they pay all fines and penalties. An apology might be nice, but they need to assure that they have the right person.! This is my account my monies on direct deposit into this account and somehow they determined they could take these monies out cause half must be my daughters? I m not great with technologies but they could have sent an email. They send emails if I do something as simple as add an account to pay. They said they mailed information it still has not gotten to Teaneck. My other daughter checks mail daily!

Business Response: Good Day,

I have attached the response regarding your Better Business Bureau complaint.



Thank you.

?******* ** ******** |Customer Advocate
Chairman's Service Center
TD Bank, America's Most Convenient Bank ®

Consumer Response:

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below. 

[If you are rejecting the business's response please enter your rejection comments here.]

Regards,

********* *******

 

 

Business Response: Good Day,

I have attached a respond to your Better Business Bureau rebuttal.


Thank you.

Thank you.

******* ** ******** |Customer Advocate
Chairman's Service Center
TD Bank, America's Most Convenient Bank ®

8/5/2014 Billing/Collection Issues | Complaint Details Unavailable
8/5/2014 Problems with Product/Service | Complaint Details Unavailable
8/4/2014 Problems with Product/Service | Complaint Details Unavailable
8/3/2014 Problems with Product/Service | Complaint Details Unavailable
8/1/2014 Problems with Product/Service | Complaint Details Unavailable
8/1/2014 Billing/Collection Issues | Complaint Details Unavailable
7/30/2014 Billing/Collection Issues | Complaint Details Unavailable
7/29/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: 6/25/14 am received an automated call with callerid of 'Unavailable' first line and '1' on second line. Message says it is personal matter and to call *************** We had home phone forwarded to cellphone so don't have exact time but it was around 11 am. I called number and says 'Thank you for calling ** ***** You have reached the *********** ******** ************ We don't do banking with TD Bank, so was suspicious that this was 'scam'. I checked with our TD Ameritrade account adviser and she said ok to call them. Called and told them that I didn't have account and they said ok and gave me the TD Ameritrade telephone #. THEN... 6/27 11:49 am received another automated call with same scenario. After 2nd call, I figured out that they were apparently calling for person who had number previously. Called and gave guy telephone number, who said that he had removed the number. When I complained about no callerid, etc., he said it was Government requirement!!! WE ARE ON THE DO NOT CALL LIST. 1) No legitimate business should have inaccurate caller id! 2) No legitimate business should have 'automated' call and not a person! I tried finding out the contact information for this TD Bank group but the representatives didn't even know their HQ information. One said they thought it was in ********** *** but didn't find ** **** ** information in BBB there. (Talked to guy who said to file with ******* ***) In meantime, looked up on internet and found following: ** ** *** **** ******** ** ***** ************ ... when you call this #, you get an advertisement and can't get to a person unless you answer 'sales' questions!!! Don't know if this is TD Bank or not, BUT NO way to run a business!!!!

Desired Settlement: Request that ** **** change their business practices: needs to stop using automated calls for contacting people and stop having inaccurate/FAKE CallerID!!!! Please notify me when this is completed! The Nature of Complaint choices do not accurately represent this complaint, but chose the one 'closest' to what I think is the issue.

Business Response: Good Day,

I have attached a repsonse regarding your Better Business Bureau complaint.



Thank you.

******* ** ******** ********* ******** ********** ******* ****** ** ***** ********* **** ********** **** *

Business Response: Good Day,

I have attached a response regarding your Better Business Bureau rebuttal.


Thank you.

******** ** ******** ********* ******** ********** ******* ****** ** ***** ********* **** ********** **** *

Consumer Response:



Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint * ********* Please add your rejection comments below. 

Already sent you this, but sending again because had them call AGAIN after this letter was sent stating that they had removed telephone #!
I received message that TD Bank had
been trying to contact me but I had not received any messages. Tried to enter
that on web site and got a failure which I reported ******* ********. Said it
was fixed, but didn't see anything in complaint about that I had not received
any contact from them, BUT THIS AM, I GOT ANOTHER CALL FROM THE
******COLLECTION GROUP!!!! ***** *********** SAID HE WOULD REMOVE MY NUMBER
(AGAIN!!!!). GOT A LETTER FROM ** **** ****** ****** today saying they had
tried to reach me, but it didn't have her extension. I called them and
representative is supposedly going to have her call me. We'll see. ******** ***** *** * ****** *** *** ***** ** ***** ** *** ************** * but said tollfree and not TD Bank. Guy
says that they are FIS company that calls to represent TD Bank. 

* ****** *** * **** ** ** *** *** ******* *** ****** *** *** ***** ** *** **** **** ** *** *** **** ******* **** ***** **** *********  ******* **** *** ******* *** ** 

Regards,

****** *******

 

 

7/29/2014 Problems with Product/Service | Complaint Details Unavailable
7/29/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I feel as though Td bank is manipulating debits and credits to my account to charge overdraft fees. Their online banking shows different information than that being provided to me by Td's customer service reps and supervisors.

Desired Settlement: I would like fees removed that were charged when infact my account was not overdrafted.

Business Response: I have attached the repsonse regarding your Better Business Bureau.




Thank you,

******* ** ******** ********* ******** ********** ******* ****** ** ***** ********* **** ********** **** *

7/29/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I recently used ann atm to withdraw 180.00. The atm made a noise as to produce money but didn't not put out cash. the atm receipt and my balance is still 180.00 short after complaining almost 10 days ago.

Desired Settlement: I want my 180.00 returned immediately

Business Response: Good Day,


I have attached a response to your Better Business Bureau complaint.

Thank you.

******** ** ******** ********* ******** ********** ******* ****** ** ***** ********* **** ********** **** *

7/28/2014 Billing/Collection Issues | Complaint Details Unavailable
7/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I called TD bank and spoke to the manager a Ms ******* ******** i think who said she was the manager and made an appointment with her the next day for 9 am on wed may 28th about a loan. When I arrived at 845 they told me she had left for the day. I was puzzled and then Mr. ****** said he was the supervisor and would take care of my application for the loan. He asked me a lot of question and i showed all my paperwork which ms ******** told me to bring. He asked my if I had a bankruptcy and I told him i had a chapter 7 bankruptcy which was discharged in January of 2011 which was 31/2 years earlier. He told me that it would be no problem for a conventional loan. He led me to believe I was getting this loan so I with my real estate agent put in a application to the Condo and paid $100. I also was told by Mr. ****** that the closing date would be July 14th. So I also had an inspection done on the property which cost 125 dollars. About a week later I got turned down by TD bank because of my bankruptcy by Jessica Wolfe of TD bank. If Mr. ****** would have known that I can't get a conventional loan until after 4 years of being discharged on a chapter 7 bankruptcy I would have never put in the loan application and would have never paid the 225 dollars for items needed for the condo app and the inspection. I think that maybe TD bank should train their people better to know the rules for loans and should work hand in hand with the loan department before taking applications and leading people into believing they have a chance for a loan. I have worked very hard over the last 3 years to get my credit score up and not make any bad choices so having lost $225 and the possibility of having a place of my own is very disheartening.

Desired Settlement: DesiredSettlementID: Refund $100 for the application to the condo which should never have taken place $125 for the inspection which should have never taken place

Business Response: Good Day,


Please rest assure that we have received your concern and are working closely with our experts to answer all of your questions. If you have any questions, please feel free to contact me.


Thank you,

?
******* ** ******** *Customer Advocate
Chairman's Service Center
TD Bank, America's Most Convenient Bank ®
6000 Atrium Way, Mt. Laurel, NJ 08054
** ************* ************** * ** ***********************

7/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I went into TD bank and filed a Fraud complaint against Saving make Money. They have taken money out of my account without my knowledge or authorization. As a result, my account was overdrawn on numerous occasions due to this unauthorized withdraw. TD bank denied my claim and refused to refund me this money that is owed to me. I did not voluntarily authorize this company to take money out of my account, TD bank should take Fraud a little bit more seriously! TD Bank now has lost a customer because I am closing out all my accounts with them and will bank elsewhere. I will be sure to tell my friends and family to do the same. I am a single mother and I can't afford to have all these overdrawn fees that was not my fault.

Desired Settlement: I want to be reimbursed what is owed to me. Three payments of $24.99 plus all my overdraft fees due to this issue.

Business Response: **** ****

I have attached a response letter regarding your Better Business Bureau complaint.


Thank you.

******* ** ******** |Customer Advocate
Chairman's Service Center TD Bank, America's Most Convenient Bank ®

7/26/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Many years ago I changed banks from TD Bank to PNC Bank. I just found out for the first time since that change that TD Bank alleges that they are owed $48 for something. I had closed my account so how can I owe them for anything? This is ridiculous and unethical. To claim that they are owed money for who knows what and never having notified the alleged debtor, is the lowest business practice I can think of. I wonder if TD Bank does the same thing to everyone that realized they are not the bank they advertise and decides to leave?

Desired Settlement: I would like the charge that they have as outstanding reversed and a letter of apology for using the lowest standard of business practice of charging an account after it had been closed.

Business Response: Good Day,


I have attached a response regarding your Better Business Complaint.


Thank you,

******* ** ******** ********* ********
Chairman's Service Center
TD Bank, America's Most Convenient Bank ®

?

7/26/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: To Whom it May Concern So 2 years ago we bought a bedroom set at an ****** Furniture Store.....apparently it was a 2 year deal, meaning you could pay it off in two years with no interest.... So I put about 25% down and financed the rest...I made payments every month, when I used to log on and pay it I followed something called "Pay my Way"...so I would pay every month...thinking as a customer that if I did that I would pay it off...and boy was I wrong and misled...my promotional period I guess ran off on April 2014 so I was charged a $930 interest on a $930 balance...why would TD not inform customers that their promotion is running out so we could pay it off, why would you call it "Pay my Way" and then still rip off customers why use such words pay my way...what way? Apparently TD's way is to pay them a lot of dollars of interest at the end... complete rip off never ever will i do business with this bank again The interest that I am being forced to pay is on the whole loan amount not the amount that I owed when my "promotion ran out"

Desired Settlement: Taking off the outrageous interest charge, or at least charging me what I had outstanding on my balance at the end of the promotion and not the interest on the total amount that I originally borrowed, I already paid most of it off

Business Response:

Good Day,


I have attached a response regarding your Better Business Bureau complaint.


Thank you,


******* ** ******** ********* ******** ********** ******* ****** ** ***** ********* **** ********** **** * **** ****** **** *** ******* ** ***** ** ************* ************** * ** ***********************

7/25/2014 Billing/Collection Issues | Complaint Details Unavailable
7/24/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I opened my TD bank checking and all the fees were not disclose to me... I am getting charged $15 which was never told to me...******* ******** the supervisor was just trying to convince me that I was given the disclosures and I should of read them all.. I still have the 2 cards, envelop, checks and the direct deposit paper so why wouldn't I have the disclosures..I can't convince no one I'm telling the truth.. So why try I'm not satisfied with the inconvenience of TD Bank..

Desired Settlement: I want my $15 back thank you...the rudeness of the people in the branch rather go back to Bank of America

Business Response: Good Day,


I have attached a response regarding you Better Business Bureau complaint.




Thank you.
******* ** ******** ********* ********
********** ******* ******
TD Bank, America's Most Convenient Bank ®

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint ********** I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

******** *********

7/24/2014 Billing/Collection Issues | Complaint Details Unavailable
7/23/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: In 2009 I had opened a savings account with TD bank in ******** vermont, only to be used for check cashing purposes. Shortly thereafter I closed the account. Now, as of a month ago I received a call from a collection agency in an attempt to collect debt due to TD bank. The debt was due to my account from 2009 never being closed. And monthly maintenance fees adding up and resulting in an overdraft fee of over 400 dollars.

Desired Settlement: I wish to have this debt from 2009 cleared. I do not feel as though I need to pay this "overdraft fee" as the account was supposed to be closed and the debt is solely from TD banks maintenance fees.

Business Response: Good Day,



I have attached a response regarding your Better Business Bureau complaint.



Thank you.


?Jessica I. Paramore |Customer Advocate
Chairman's Service Center
TD Bank, America's Most Convenient Bank ®

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint *********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

**** *****

7/21/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I applied for a mortgage from TD Bank. I provided all the necessary information for them to assess my financial eligibility, however they moved ahead with requesting an appraisal on my home and charged me over $400 only to tell me afterwards that my debt to income ratios did not meet their criteria. They had all my income information upon filling out the application as well as W2 and Income tax verification two weeks before the appraisal was ordered. The process should have never continued past either the application or the income verification. Afterwards I went to a mortgage broker and within an hour they told me that my debt to income ratios did not meet the criteria and that I could fill out an application and proceed as long as I was aware that they perceived issues right up front. I of course did not proceed. TD Bank should have provided me some reasonable notification that I was outside of a reasonable range to give me an opportunity to stop the process. Since that time I have had a conversation with the Branch Manager who forwarded me to a Customer Service Representative. The Customer Service Representative never got back to me so I left a message with the Branch Manager. To date no one has gotten back to me and this process has now been going on for over a month where I cannot get a reasonable answer to why I was charged or provided feedback regarding my eligibility earlier in the process. Finally, the mortgage person I was working with called me and made an attempt to explain what was going on but it only showed his lack of familiarity with the application. I asked why things had changed (assuming I was assessed as a reasonable candidate at application). I got several answers - your appraisal came in lower than what you projected - for example. Well I paid for the appraisal but TD Bank never sent me a copy so upon that comment I asked for a copy, my house actually appraised for above what I estimated. He also said that there was some adjustments that were made that became clearer when my verification information came in so his estimates on my ratio were off by 5% or so but he originally told me that my ratio was 53% and they target 40%, which is a 13% difference. Even if he was 5% off there seems to be a pretty compelling argument that no one really looked at my information until it was at the underwriter after I paid for the appraisal. This is simply unethical. Given my experience with another mortgage broker was that they were able to provide me feedback within an hour and they did not charge me any fees I should be expecting something different from TD. I should also be expecting the Branch Manager or Customer Service Rep to which he referred me to return my phone calls.

Desired Settlement: Refund my appraisal

Business Response:

Consumer Response:

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint #********. Please add your rejection comments below. 

The response only outlines the series of events which are not disputed.  As per the response from TD Bank, the bank moved ahead with an appraisal before they reviewed my financial eligibility.  Regardless of whether they used 2011, 2012 or 2013 W2 or income tax return, in hindsight we can now see that at every level of documentation and at every stage of the process I should have been deemed ineligible. Instead the appraisal was ordered and executed before my initial eligibility was determined.  According to TD Bank I needed a 40% ratio and my ratio was 53%. This is not a small window that could be clarified or verified by additional information.  I understand that an initial eligibility screen is conducted first and that was not done.

Regards,

***** *******

 

 

Business Response:

7/20/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have been a long term customer of TD Bank. On July 9, 2014 I contacted TD Bank regarding an overdraft fee of $170 as at no time had I been over-drafted. I was told that even though I deposited $1,200 CASH that would not clear until the next business day (I do not understand what has to clear for with cash) nevertheless at no time does my account show it was over-drafted and therefore had no idea of any overdraft charge until today. As there was sufficient funds in my account at all times I would like for my overdraft fee to be refunded.

Desired Settlement: $170

Business Response:

7/18/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: From: ****** ******** *** ******** ******* *** * **** ******* ** ***** *** ** **** *** *** *** ********* ** ***** ******* ******* ********** High Balance: $21,923.00 Current Balance: $2,698.00 Late payments being reported: Charge Off as of Aug 2009 to May 2014 30 days past due as of Nov 2007 Dear TD Bank, This account is reported in to Equifax, Experian and TransUnion. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request! You are inaccurate and incomplete furnishing information regarding the above-referenced account to the credit reporting agencies in violation of the reporting requirements of the Fair Credit Reporting Act (FCRA), Section 623, Responsibilities of Furnishers of Information, for which you are responsible. I understand that The Fair Credit Billing Act (FCBA) requires Creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. Your prompt attention will be appreciated. Sincerely, Alicia Santiago CC: Office of the Attorney General, Better Business Bureau (BBB), Consumer Financial Protection Bureau (CFPB)

Desired Settlement: Please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA and the FCRA generally and to my account specifically throughout the period I have been a customer. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law. Should you not be able or willing to provide me with the substantiating documentation as verification to cure thìs violation, within the next 30 days, please have the information deleted from each of the credit bureau's you initially furnished it to.

Business Response:

7/18/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: am writing this complaint due to the total frustration with your bank practices. Last month (06/21/2014) I deposited some money on the ATM at S Weymouth location totaling little over $1000.00 but when I deposited the first $647 it asked me to do another transaction therefore I did. Deposited another four hundred and something. For my surprise next day only the second transaction got registered. The $647 never did. So I waited the weekend and went to the branch on Monday the 06/23 and was told that as I have the receipt I would see the money back in to my account in a couple days but the standard time for an investigation would take up to 10 business days . I am a very busy person normally don’t have time to go to the bank even with extended hours that TD offers that is the reason why I use ATM’s . As I didn’t have time to make another deposit and was skeptical about their ATM’s I transferred $500 from my line of credit so I could make a purchase at night time. Guess what my card got declined, even that the funds where there. Thought to myself they have 24/7 customer service and I called Very friendly assistant told me that was some glitch and he resolved and I could try again that would work, tried again and got declined again, then called again and was told that I had a recent transfer to my account and wasn’t showing on my account but if I tried again I could make the purchase. GOT declined again.. My thoughts if my money was there in first place it wouldn’t happen. But the website blocked me anyway from trying too many times I went to sleep. So next day I bought what I wanted, of course more expensive than before ( my luck ) , Than I remind me that on may I was charger $140 in overdraft fees because the bank decided to clear my payments before my deposits that were made three days prior from the payments . I understand the hold on the money if I deposit on ATM’s even if the machine actually counts my money , but charge me a fee even knowing that I have money to cover that was deposited cash and the machine counted it and would clear that day is amazing . Wrote this part to say that my account went under $100 balance and probably will be charged a $14 maintenance fee for that and I am also paying interest on the line of credit that I transferred to cover my balance . So went to the bank to deposit more money and inquire about my money that didn’t get registered. Was told that takes 14 business days and all I can do is wait. My thoughts what If I was $647 for 14 business days … How much in fees it would incur?? I have the receipt no one at the branch can credit my account and then verify a mistake that was made by their ATM?? People there are very friendly but nobody has any power to do the right thing or nobody cares as long as I am inducted to pay fees

Desired Settlement: Refund my money

Business Response: Good Day,


After review of your account, on July 3, 2014, you received provisional credit in the amount of $647.00. If you have any further questions, please feel free to contact me.
 
 
Thank you.
 
******* ** ******** |Customer Advocate
Chairman's Service Center
TD Bank, America's Most Convenient Bank ®
**** ****** **** *** *****l, NJ*****
T: ###-###-####| F-###-###-#### | E: ***********************

7/16/2014 Problems with Product/Service | Complaint Details Unavailable
7/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: To Whom It May Concern: I am writing to the Better Business Bureau today because I need some help! I was recently laid off from my employer at the end of May, and was not paid for my last week worked because the business was shutting down. I’ve had a significant amount of Overdraft Fees in the past 30-45 days and I want them back. I have tried to stop Progressive and EAC from taking money out of my account, but they keep debiting it causing more overdrafts. It has become a vicious cycle! I recently gained employment, and I started my new job last week. I have had an account with TD Bank since July 2013 and I have never been refunded. I am asking for a One-Time Courtesy from TD Bank with the understanding it will never happen again for a total of $350.00 in Overdraft Fees I have been assessed. My account is currently, $533.81 Negative. When I get my first paycheck, I will deposit it to bring my account back in the positive. The Customer Service Department said they will give me back $35.00 but I didn’t accept it because if I did I felt as though I would be agreeing to pay these Fees that were assessed to my account. They said I have been charged $875.00 in Fees Year to Date. If you give me back $315.00 in Fees, you're still making $560 off me this year alone. That is almost $100 extra a month. In addition to that, you charge me $4.99 a month Mat. Fee, so that’s another $30.00 I am young, and was laid off when I had been with this company since I turned 18. PLEASE HELP ME! You advertise that you are a “Human Bank” and I hope you can live up to your advertisements with regard to this situation. Refunding me TEN $35.00 Fees out of the TWENTY FIVE $35.00 Fees you have charged me seems more than FAIR…that is 40% Refund…that is LESS THAN HALF! I am not asking for everything…just the ones since I was laid off and not paid for the last week worked. I would not have incurred these fees had I been paid…the business shut down and now I have to go after my former employer to get my money. I would really appreciate if TD bank could understand what I am going through and cut me a break ONE TIME.

Desired Settlement: I would like the amount of $350 refunded to my account, at which time, I will then use my paycheck to correct any outstanding and/or remaining account deficiency.

Business Response:

7/13/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: June 22, 2014 To Whom it May Concern: I have been a happy customer with TD Bank for over a year. I love that the branch close to my house is open 7 days a week, and for extended hours. This is really convenient for somebody like me that works an untraditional schedule. I am very unhappy with how your institution chose to deal with a serious problem on my account. Not only have you not taken my concern seriously, you have wasted a lot of my time, and treated my very disrespectfully. I was utilizing a tutoring service called WyzAnt Tutoring for my last semester of my master’s degree. The tutor would input the hours we met, and my debit card would be charged. I met with the same person, one time a week only, and paid the same hourly charge. I had never experienced a billing issue with this company previously. At the end of January I was checking my bank account, and noticed I was charged for many hours of tutoring in one week, when I only attended one hour of tutoring. There were two transactions that were fraudulent, one for $112.50 and the other for $120.00. I knew this was incorrect, so I logged into my WyzAnt account. The tutor entered “lesson notes” showing we met during days and times when I was at work. I contacted the merchant, and they contacted the tutor. He maintained that we did meet several times that week. I advised I had documentation proving I was clocked in at work, thus making his claims false. I realized the merchant would not be of any help, so I called the customer service number on 1/28/14 to file these two charges as fraudulent. I didn’t receive anything via mail or e-mail confirming the banks receipt of my claim. I have only filed one or two claims with my prior bank, but I always received documentation confirming the claim was received. I didn’t think anything of this, and did not contact your bank again until the end of February. I was advised at that time the bank canceled my claim and re-filed it on 2/17/14. This was because it was filed as a “debit card dispute”, when it should have been a “merchant dispute.” This was apparently due to me explaining what happened incorrectly. The bank maintained this internal error was actually my fault. I was told I needed to wait 60 days from when the claim was filed which was no longer 1/28, it was 2/17. I still heard nothing by the end of April. I just started a new job, so I was making a training salary, which was not very much. I was receiving overdraft fees on a daily basis as a result of these fraudulent transactions. I had called customer service probably 10 times, and was getting the run around every time. I decided to visit the branch in Tampa, FL off of Howard/Kennedy. I spoke with ******, who identified himself as the store manager. I explained the problem, and advised speaking with customer service was accomplishing nothing. At that point in time my account was overdrawn I think 300 dollars or so. I was not using my account; I was instead cashing my pay checks, so I was not further penalized by this transaction. ****** was very helpful, and got half of the overdraft fees refunded to me. We then decided to transfer all of the funds in my savings account to my checking account. That put my checking account in a positive balance of less than a dollar. Even though I was required to take 50% responsibility for this, I appreciated the little bit of help ****** gave me. He told me he would follow up on this weekly until it was resolved. I called him at the end of that week. I had not used my account, but I was already overdrawn almost one hundred dollars since I did not have any money in my account. I told ****** what we did is just put a band aid on a serious wound and this really didn’t help much. He agreed. He said do not use your account anymore, the 60 days will be up on 5/15, I will follow up with you then, and we will take care of all of the overdraft fees at one time. I said ok. On 5/16 I went into the same branch with my father, **** ******. I had kept him informed of what was going on with this claim. We advised the teller we were dealing with ****** on this issue, should have heard from him on 5/15, and didn’t. The teller advised ****** was no longer working at that location and moved. My father asked to speak with the branch manager. We sat down the with the new store manager. I do not remember his name. My father asked if ****** was still going to follow up with me on this, and see it to a resolution as he told me he would. The new store manager was not sure. My father explained the situation to the new store manager, and asked for a resolution. The store manager made a phone call, and then advised my checking account was actually charged off on 5/7 because it was overdrawn for over 60 days. There was a negative balance of 232.50 at that point in time. I was extremely surprised to hear this. First of all, I didn’t do anything other than what ****** told me to do. Second, I received no documentation at all from TD Bank advising you all closed my account. And third, according to your organizations calculation, the 60 days you need to settle my claim was not occurring until 5/15 anyway. The new store manager told my father he needed to pay the negative balance I owed the bank and they will then open a new account for me. My father was very surprised he was asked to pay the bank money for this. *****, who advised she was a member of management, spoke with my father. She agreed to open a new account without any payment towards the negative balance on my old account. She advised the claim will be closed on 6/7/14. Once the claim was closed the negative balance in my old account would be written off, it would be erased from my banking records, and if the claim was fraudulent, I would have that amount put into my new account. My father advised he would follow up with *****. I received a letter advising the claim was closed on 6/6/14 and was fraudulent, and my money would be refunded. I spoke to my father and asked him to call *****, since she failed to follow up with him. My father called and spoke with *****. She advised I authorized the transaction, and no money would be refunded to me. She claimed I was not in possession of the letter advising the claim was in fact fraudulent. After hearing this information, I called customer service. They advised the money was refunded and it went towards the negative balance in my old account. This means I still have a negative balance in my old account. This will possibly make it difficult for me to do business with another bank in the future. I gave ***** one more opportunity to make this right, and make her aware that I caught her in a lie. I sent her a very direct email and attached the letter she claims I don’t have. I received no response. I do not appreciate people and organizations that value their time, but continue to waste mine. I am an educated, professional woman. And even if I was not, I would not expect to be treated this disrespectfully as a customer. I expect your organization to honor this agreement that was made with *****. The good thing is my father was present, as well as the new store manager. This can help you all validate my claims, since ***** has advised my father I am a liar, this would probably be in question. I insist that you write of the negative balance associated with my old account, erase this negative mark on my banking records, and deposit the amount I am rightfully owed into my new account. I will file a complaint with the BBB, The Federal Reserve, and make the regional manager aware of this situation. I will also make current customers aware of this situation via social media. I am hoping we can come to a resolution. I look forward to continuing to do business with you, however, I will not allow anybody to take advantage of me. Thank you, ***** ****** e******@gmail.com Cell: ###-###-####

Desired Settlement: TD Bank needs to do what they told me they would do. They told me they would write off the negative balance from my old account, and if the investigation determines I am owed my money back, I would get the money put into my new account. I got a letter from the bank stating the claim was fraudulent, and my money was returned. My father spoke to ***** at the branch in *****, FL, after this letter was sent. She advised I authorized the transaction in question, and no money would be returned to me. I am still in posession of that letter she claims I never received. I expect you to do what you said you would do. You need to write off the overdraft fees on my old account, erase that from all banking records, and deposit the disputed amount into my new account.

Business Response:

7/9/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I deposited $762.01 to my bank account on 7/7/14. The account had $ 532. prior to this deposit. Today I was hit with $105 in overdraft fees. I was told that even though I deposited the funds they were not available. $35 for a bounced $50 check, $35 for a $38 payment and $35 for a $935 rent check. I was told it is their policy to make the largest check hit first and that is why the smaller payments bounced. My account shows my balance as of 7/7 as $1282.12 - no checks should have bounced and the bank is refusing to refund the fees telling me it was my error and I should prepare better in the future. I have a screen shot of my bank account to verify my complaint.

Desired Settlement: $105 deposited to my account.

Business Response: Dear ******** ****,   After review of your account, on July 8, 2014 you were refunded $105.00 in overdraft fees, which you requested. If you have any addition questions, please feel free to contact me. Thank you.

******* I. ******** 
|Customer Advocate Chairman's Service Center
TD Bank, America's Most Convenient Bank ®
**** ****** ***, Mt. ******, NJ *****
T: ###-###-####| F-###-###-#### 
| E: *******.********@td.com  

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint. I understand that by choosing to accept the business response that my complaint will be closed as resolved.

7/8/2014 Delivery Issues | Complaint Details Unavailable
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6/26/2014 Advertising/Sales Issues | Complaint Details Unavailable
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6/24/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: My debit card was accidentally used by my mother., in April 2014,to pay Geico Insurance in the amount of $108.12. I immediately contacted Geico. They told me they would reverse the charges and credit my TD bank account. I also filed a dispute form with TD Bank in April. on May 5th, I received a letter from Geico from Ms. ******* **** ###-###-#### EXT **** stating the monies were sent to TD Bank on May 5, 2014. I contacted TD Bank at least 4 times a week since May 5th. They CONSTANTLY tell me they do not know what I am talking about. I have even gone into the branch in ********, NJ and spoke with the branch manager and people on the platform. All said they would take care of it, which NEVER has happened! I called Ms. **** from Geico. She actually called TD Bank. TD Bank told her they would close out the claim and my $108.12 would be credited to my account ASAP. As of today, this still has not happened. I would like my $108.12 credited to my account TODAY. The employees of TD Bank are EXTREMELY rude and incompetent. All they need to do is close the claim and credit my checking account. Geico refunded my money to TD Bank on May 3, 2014 yet it is STILL not in my account. Thank you very much, ****** ******

Desired Settlement: $108.12 credited to my checking account ASAP.

Business Response: Good Day Mr. ******, After review of your account, a credit of $108.12 was made to your checking account on June 11, 2014. If you have any further questions please free feel to contact **** **********, Customer Advocate at ###-###-####, Monday - Friday 8:30am to 5:00pm EST.

Thank you,
******* I. ******** 
|Customer Advocate Chairman's Service Center TD Bank, America's Most Convenient Bank ®

6/24/2014 Problems with Product/Service | Complaint Details Unavailable
6/22/2014 Problems with Product/Service | Complaint Details Unavailable
6/21/2014 Billing/Collection Issues | Complaint Details Unavailable
6/21/2014 Billing/Collection Issues | Complaint Details Unavailable
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6/20/2014 Problems with Product/Service | Complaint Details Unavailable
6/19/2014 Billing/Collection Issues | Complaint Details Unavailable
6/19/2014 Problems with Product/Service
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6/19/2014 Problems with Product/Service | Complaint Details Unavailable
6/17/2014 Problems with Product/Service | Complaint Details Unavailable
6/17/2014 Advertising/Sales Issues | Complaint Details Unavailable
6/17/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My account was charged off in November of 2013 due to me loosing my job and waiting on unemployment my account was overdrawn and closed. I was a 2year customer of TD Bank in good standings before being laid off I never over drawn my account or anything. Well Imcome tax time comes and of course in order to receive your refund quicker you should use direct deposit. TD Bank allowed me to reopoen my account on 2/10/2014 for "Credits Only". Well due to my husband owing the state we live in I had to file an injured spouse form which can take 11-14 weeks. Well TD Bank extended the time the account would be open due to my situation. I was due to receive my income taxes on 5/1/2014, well the IRS was backed up so I was told by 5/29/2014-6/2/2014 that my refund would be deposited, I of course called TD BANk to make them aware they sent the request in asking for the account to be open until 6/2/2014. Well I call today after finding out that my refund is being deposited on 5/29/2014 TD BANK made me aware that they completely closed my account on 5/5/2014.... WHAT!! Then I call and speek to the Recovery Department and they can't see that the account was staying open til june... I am pissed here I am trying to keep this relationship which I though was a great bank to deal with, but come to find out TD Bank sent my account to collections with absolutely no warning and how the hell did they send it to collections after allowing the account to be opened for credits only???? Who is this company whom have gotten a hold of my personal information????

Desired Settlement: All I want is for the account to be opened for the deposit so that I can pay TD Bank what I owe them. I wanted to open a new account but now I am not so sure....

Business Response:

6/16/2014 Billing/Collection Issues | Complaint Details Unavailable
6/14/2014 Problems with Product/Service | Complaint Details Unavailable
6/13/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I recently had an account issue that I was advised needed to be handled by a branch manager. Everytime I call the 1-800 number for TD they tell me this. So I contacted the branch the other day, and was told the manager would contact me. He did and got some information from me and stated he would call the branch because he was not in the office so someone could review my account with him, he then stated he would call back and leave me a message after doing so. He never called back so I called him around 630 yesterday evening and he stated that he was unable to get a hold of the office he would research my account first thing this morning and he would contact me after that. The complaint I had was based on the fact that I would be getting charged 140$ for 4.00 and change worth of over drafting. So I go in this morning and put money in the account as I was advised I should. Looked at my account this afternoon as he had still not called me back, and I have 140$ in pending OD Fees on the account, and still have not heard back from the manager. His name is **** by the way. When I contacted the branch today they advised me that I was probably not be hearing from him today as he had not come into the office, and when I called his cell phone I was sent to voice-mail. I have never experienced this kind of customer service. I would have never thought of reporting this to the BBB but my friends who are small business owners suggested I share this with you all. Please help!

Desired Settlement: I would most certainly like the 140 in OD fees refunded as the way the processed on my account put it at a negative status before anything else processed because they were a larger amount so I'm now looking at paying a total of 280 in OD fees for what should have maybe been 70.. If even.. But I would also really appreciate it if when I was told that they were going to do something they did it. This is the worst customer experience I have ever experienced.

6/13/2014 Problems with Product/Service | Complaint Details Unavailable
6/10/2014 Billing/Collection Issues | Complaint Details Unavailable
6/10/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have had accounts with TD Bank and have done good by them and my accounts. I have paid the bank everything that I owed them with a feature called courtesy pay. This is a feature that is offered to some of the banks depositors; if not all depositors who has an open active checking account. I have had a good working relationship with the bank in handling my monthly transactions for several months. I am disputing two transactions on my personal accounts, 1 ending in **** and ****. On April 1 2014 I contacted ******, my security alarm company at my residence and gave authorization for ****** to debit my Fifth Third Bank account credit/debit card # ending in ****. I have once or twice in the past called ****** and authorized them to debit my TD Bank debit card ending in ****; with the last authorization giving to the company on February 18 2014, which cleared my account. ****** in error imputed the wrong credit/debit card number from Fifth Third to ****, which was an invalid account number. In the interim since the card was not authorized for payment due to an incorrect account number, ****** took it upon themselves, or their computer system and routed the transaction to the last known credit card on file ending in **** bearing TD Banks name. The payment through Fifth Third Bank was only authorized for $ 70.00 and nothing no more. ****** was NOT authorized in anyway to debit my TD Bank account ending in **** on or after April 7 2014. ****** debited my TD Bank account my authorization or consent twice in the amount of .04 cents and $69.69 which caused my account to be charged on overdrafts by TD Bank on or after April 7 2014. I contacted my financial institution TD Bank who told me that this was not a banking error and that they would not reverse any further fees to my checking account. I also advised TD Bank that the charge was never authorized and they told me that I had recent activity with ****** that posted to my account in February 2014. I explained to them just because I authorized a merchant to do a 1-time payment does not give a company to debit my account, unless I have signed or recurring agreement authorizing such transactions. TD Bank filed a claim and there response was dated April 21 2014 that I have done business with the merchant in the past and their fees and charge remains in effect. I refused to pay any monies into this account until TD Bank resolved my dispute issues with made further overdrafts to appear on my account. Account ending in ****: I disputed with TD Bank a charge from an Asian Massage that I visited and inquired about having a paying for a Swedish/Relaxing Massage on march 28 2014 in the City of Orlando. I walked into business and was greeted by a woman who gave me a price of $80.00 for 1-hr massage. I agreed to that price and when she swiped my card, I noticed that there was an additional $4.oo charge on the merchant receipt awaiting my signature. I questioned the additional $4.oo and the woman explained that was the charged incurred for using a credit/debit card to pay for services. The lady then asked me and solicited sexual encounters along with the massage for an additional $40.00 cash. I declined her offer after the card was swiped and was solicited for sexual favors. I told her that I wanted to cancel services requested and to issue a credit to my account. The woman told me that the Owner/manager was not in until the evening and said that when they did their batch runs at the end of the day I would see a credit issued to my debit card withing 48-72 hours. I waited days to see no credit. The transaction finally posted to my account and their were several fees incurred by TD Bank to my personal checking account. i contacted TD Bank and filed a dispute and advised them that I never signed a merchant receipt and that the merchant would not be able to produce a receipt with my known signature on file. These were the only transactions that I had ever disputed as unauthorized by myself and they want to send me through obstacles about crediting my account accordingly for unauthorized charges. TD Bank acts like they protects merchants versus their customers/depositors. I have since spoke to another call center representatives who said that the disputes entered by previous representatives did not give clear cut information as she was understanding my situation today. So, in the event she refiled my claims effective may 19 2014 sent back for review. I like the bank be I refuse to pay all this money for fees when it was not my fault.

Desired Settlement: Refund all Bank Fees associated with account in **** & ****. I will gladly pay all other Fees associated with my negative balance, such as paper statement fees, maintenance fees, and the $70.. paid by TD Bank to ****** on April 8 2014 even though it was never authorized. I am not paying any NSF fees or any Extended Overdraft Fees under any circumstances. If TD Bank would like to retaliate and close my accounts for making a valid complaint to the BBB about their practices I will be fine with that and worry about that if and when it happens. Thank You!!!

Business Response:

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

TD Bank is reading the compliant entirely wrong. I acknowledge that I have an account with ****** as my Security Activation for my residence. However, just because you do business with a company does not give any company a right to debit your credit card or debit card unless the consumer gives authorization or has set up recurring payments. None of these two factors took place here. I never authorized them to debit a TD Bank account, so therefore I am disputing the charge as unauthorized. For the other account ending in ****, I advised the Massage Parlor after they swiped and charged my card for $ 84; in which the charge was told to me that it would be $84. After been solicited sexual favors for an additional $40 cash, I declined the offer of any massage at that establishment as I told TD Bank in my previous dispute. The business told me that I would see a credit for $ 84 in 3-5 days once her boss was there. I had no services rendered at this establishment and never signed my signature to claim their services. If TD Bank gets off their high horse and have their lousy investigators to request the copy of the merchant receipt, I'm sure you will see no signature bearing my name on the receipt and how I sign all transactions that has come through TD bank since I have been a customer of the Bank. TD Bank is supposed to work with the consumer and not so much the merchant. All these unauthorized charges, especially on **** and caused me to receive many bank fees. I am not paying a dime to TD Bank for these fees if they are waived. I don't care if they choose to close the accounts out of retaliation after my complaints and the text within this document. If a representative would like to contact me directly, they can do so at ###-###-####. Just know that I am not paying any fees to the bank on anything I have never authorized.

Business Response:

6/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been a customer with TD Bank in the for a couple of years. I am an attorney and work as a sole proprietor/independent contractor. Several months ago, I briefly opened up a separate bank account, under my social security number, for my law office as a sole propriety. For this reason, I believed that I could additionally open up a trust account for my sole proprietorship. Therefore, I recently visited TD Bank to open a trust account as a sole proprietor to hold client funds. I spent over 1 hour siting in front of representative **** ***** only to be told that I would have to wait additional time to be given an answer as to whether I could open up such a trust account as a sole proprietor. A complete waste of valuable time. I then proceeded to open a P.A. and apply for a tax i.d. number, deciding that this might make things less complicated for the bank. Eventually, I got a call from Mr. ***** stating that they would not be able to open a trust account without a Tax I.D. number. Today, I received confirmation from the secretary of state of my filing of the articles of incorporation and have received my "Document Number." I have also provided Mr. ***** with my Tax I.D. number which I also received today from the IRS. Nevertheless, Mr. ***** believes that, despite the Document Number and the Tax I.D. number, I still cannot open an account under my P.A. because my P.A. name does not yet appear on the Florida Secretary of State website. Essentially, I feel as if I have been given the run around. First, I was told I need a tax i.d. number, now I am told that my name must appear on the website. I believe TD Bank is making things unnecessarily extremely difficult for me. Not only has Mr. ***** wasted my time with his utter lack of knowledge on the issue of sole proprietorships, but has also been very rude to me. Although I asked to speak to the manager, Mr. ***** refused to transfer the call. I still have not received a return call despite the passing of several hours.

Desired Settlement: I would like for it to be noted that TD Bank employs personnel that do not possess knowledge of their policies. That treats their customers rudely, and that likely misapply their own policies and procedures.

Business Response:

6/9/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Since I registered for online banking over a year ago; I have noticed payments of various amounts taken from our checking account, but in checks of state colleges. The checks are from Community College of *******, ********* State College, and ****** State College. The checks are made out to various names. I find these errors monthly. When bringing these errors to the attention of our local branch, the funds are eventually returned to our account but often cause a false overdraft charge also. The branch manager explained that the errors are caused by our account number being to similar to **. State College account numbers and that the only way to avoid future occurrences is to change our checking account. I do not feel that it should be our responsibility to do that or to constantly search for these errors, in order to protect our money. We previously requested that our local branch do an audit of the account to find previous errors not discovered before I participated in online banking. We were told that they could only look back a few years, but not the entire history of the account. I am again requesting a complete audit of our checking account and a final resolution to this problem.

Desired Settlement: A complete audit of checking account, correcting bank errors and refunding any unauthorized check payments. Resolution to future errors of this manner.

Business Response:

6/8/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: TD Bank continues to double charge people and collects their "overdraft fees" in advance of the actual charges. When I ask about this practice I am told that one charge is for the "pending" charge and one is for the "posted" charge. I certainly dont believe this is legal. you either charge when it is pending or you charge when it posts, you cannot claim a fee for the same transaction twice. And they collect their fees before they put through any smaller charges which creates a cascading effect on an individual's account. In my case this practice resulted in $175 in charges over the course of 48 hrs.

Desired Settlement: a refund of all duplicated charges.

Business Response:

6/5/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I left TD bank in 2011, they have refused to shut my accounts down and cancel my credit card. I have been told three times by a supervisor that they would close it, but they simply suspended it so I would not get bills for a few months. I finally reach someone that said I had to come in to a branch. This was in 2013, after 2 years of calls and letter they finally told me to come in there is an issue, I live in WA now the closest TD is over 2000 miles away. Each month they send another bill with an accompanying dollar debit for printing the bill. They send a bill for the bill. It is the biggest catch 22 I have ever seen. I have literally spent years trying to get this resolved. After my last conversation with a director they reported me to the credit bureau, for a dollar. I have never had anything reported before and I had excellent credit. After the report my credit dropped significantly ( over 30 points). I have received letters from all my CC telling me they are lowing my credit and increasing my interest rate because of credit worthiness. In one report they have crushed my hopes to get a home later this year. I have done everything in my power to get this resolved and I have no where to turn. Because of the direct correlation between my records of contact, their continued neglectful attitude and their attack on my credit I am left with pursuing legal action against TD Bank.

Desired Settlement: Zero out the balance for the bills that told me I had nothing due, Delete my bank account and credit card Fix my credit

Business Response: Good Morning ***** * ********, In our efforts to assist you we will need more information to locate the account you are referring to.  Please reach out to me at your earliest convenience so I may obtain more information. Thank you,     "On the Road to Legendary The Chairman's Service Center Strives for Same Day resolution!  We require a response within 3 days!”   ***** ** ******** | Senior Customer Advocate The Chairman's Service Center TD Bank, America's Most Convenient Bank ® **** ****** *** *** ****** NJ ***** T: *** *** **** | F: *** *** **** **************@TD.com 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I have called 5 times over 5 days and have not received a message back. I followed up in the 3 day window in which she said I could contact her, with no results. I even called a different representative and they said they could not help, I would have to wait for *****. ***** never returned my calls and she is on the "best team they have." This is indicative of their customer service. I am still left in the position of credit hurt and no way to get out of this horrible bank. I have tried everything, even complaining through here, which I have never done before. They have left me left with no way out but legal action.  

Business Response: Mr. ********   I apologize we have not been able to connect.  I have previously provided you with my ********** phone#, my work e-mail which you have used.  I have left you another voicemail this morning. Below please find my phone as well as my fax number once again.  If you find it easier to send me the details via fax please rest assured the fax is electronic and will be received in a secured mailbox, not sent to an actual fax machine.  I look forward to receiving your information.     "On the Road to Legendary The Chairman's Service Center Strives for Same Day resolution!  We require a response within 3 days!”   ***** ** ******** | Senior Customer Advocate The Chairman's Service Center TD Bank, America's Most Convenient Bank ® **** ****** *** *** ****** NJ ***** T: *** *** **** | F: *** *** **** **************@TD.com

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I have not heard back from TD Bank for over a week. I have left several voice-mails on her cell and at her office.  I just received two letters letting me know I owe another 3 dollars for bill print outs, plus 20$ for late non payment. The second threatening to report me to a consumer reporting agency, "which could prevent you from obtaining services from another financial institution or lender." It also states I need to make a deposit at a location or online. But the closest location is on the other coast and I do not have an active account to sign in.  

6/5/2014 Problems with Product/Service | Complaint Details Unavailable
6/1/2014 Billing/Collection Issues | Complaint Details Unavailable
6/1/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: TD Bank's debiting policy is rapacious, in particular to its overdraft conditions. I made an error with a check by one day, and that cost me nearly three hundred dollars in charges! The check was cashed on the day before my direct deposit was posted at the bank. So the bank cashed that check before cashing three other smaller charges that were posted on my account up to three days prior. Then having put me in overdraft charged me for several other small checks!

Desired Settlement: Return of those overdraft fees.

Business Response: Good Morning Mr. ****   We are in receipt of your complaint to the BBB however we are unable to locate your account number based on the information you provided.  At your convenience please contact me at ************ so I may assist you.  Please do not provide account number or social security number via this website.   Thank you,     "On the Road to Legendary The Chairman's Service Center Strives for Same Day resolution!  We require a response within 3 days!”   ***** ** ******** | Senior Customer Advocate The Chairman's Service Center TD Bank, America's Most Convenient Bank ® **** ****** Way *** ****** NJ ***** T: *** *** **** | F: *** *** **** **************@TD.com

6/1/2014 Billing/Collection Issues | Complaint Details Unavailable
5/30/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I started a mortgage application with TD Bank to purchase a new development condo. I spoke with **** *********, Loan Officer and was assured that they are working with the specific new development condo and approving the loans through their bank. After about a month and paying for appraisal fees needed, the bank changed their policy and informed me that they are no longer approving loans for the new development company. This in turn caused me to find another financial institution to secure the loan thus the issue. The new financial institution is charging another appraisal fee, I contacted the loan officer and I was informed that they would not refund the appraisal fee. My complaint is that I was not the one who broke the loan process and I was not denied, it was the TD Bank who changed their policy in the middle of my application. It not only caused me to scramble to secure the mortgage through another institution. Also, another appraisal fee through the new institution.

Desired Settlement: I am looking to get the refund for the appraisal fee charged by the TD Bank who broke the loan application due to their policy change.

Business Response: Good Morning Mr. ** I apologize that we have been unable to connect. At your convenience please contact me so we may discuss your concerns.   I can be reached at *** *** ****.  I look forward to speaking with you. Sincerely ******* ******, AVP | Retail Bank Operations Customer Experience Advocate TD Bank, America's Most Convenient Bank

5/26/2014 Problems with Product/Service | Complaint Details Unavailable
5/26/2014 Problems with Product/Service | Complaint Details Unavailable
5/23/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This is a request for reversal of a prior decision with the introduction of additional information that may have been omitted earlier. I note that the BBB contact is ***** *****, and, as such, I do not expect much consideration. Briefly restated, TD Bank charged me an enormous $1,700 fee to rollover certain CDs as part of my pre-retirement planning. It is noteworthy that my local credit union did not. Their Regional Manager assured me that TD Bank would pursue a 50% refund of the charge (or $850) and later revoked that. When I attempted follow-up, I was advised that TD would investigate and there is no evidence (at least to me) that they did. I also note that there are numerous similar complaints lodged against TD Bank in the social media which would suggest that I am not alone.

Desired Settlement: Refund of the $850.00. And if they refuse, publish my complaint along with any oithers.

Business Response:



We are in receipt of your complaint to the Better Business Bureau. We have learned that you have already filed a complaint with the ******** ********* ********** ******. All future communications will be addressed through that that channel. Thank you for allowing me the opportunity to assist you!


Sincerely,



Consumer Response:

 


Even though the **** has a complaint, I feel that it is also appropriate for the BBB to be involved, as has ********. 

Regards,

 

 

 

Business Response:
We have received your rejection to the Better Business Bureau. We can appreciate that the matter is important and we are currently researching the matter. We are simply stating that the issue is being addresses appropriately and that our response will be delivered through the ******** ********* ********** ******* We have documented that the issue was reported to both venues. Thank you once again for your time!


Sincerely,

Consumer Response:

 

I believe that there are specific roles played by the BBB as well as **** and Social Media. As such, this asks that the BBB case remain open for the duration of this matter - especially considering issues that are more in the purvue of the BBB vs ****  - for example meditating the Regional Manager's revocation of the offer to settle the matter as described in my complaint.

Regards,

 

 

 

5/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: TD Bank autocharged $105.00 in overdraft fees when in fact I was never overdrawn. My direct deposit from my pay covered all my purchases. $105.00 insinuates that their were 3 overcharges ($35 a piece) which is not accurate.

Desired Settlement: I would like the $105.00 returned to my account as I haven't done anything wrong. It was a miscalculation by their banking software.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

i reject this response because if they would show you the correct time of those transactions, you would see that my overnight deposit covered all of them and then some. I am sure the BBb is well aware of td's habit of collecting unwarranted fees, which this is another case of. I must reiterate I want the 105 dollars returned that has been stolen from my account. Thanks

Business Response: Good evening Mr. ******   We are in receipt of your rebuttal and at this time our response remains unchanged.     "On the Road to Legendary The Chairman's Service Center Strives for Same Day resolution!  We require a response within 3 days!”   ***** ** ******** | Senior Customer Advocate The Chairman's Service Center TD Bank, America's Most Convenient Bank ® **** ****** Way *** ****** NJ *****

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I require restitution or I will just continue to submit complaints until I receive a just decision received in my favor by a more consumer minded representative, and your stubborn refusal to do what is right for a long term loyal customer will be noted in each complaint going forth.

5/22/2014 Billing/Collection Issues | Complaint Details Unavailable
5/21/2014 Problems with Product/Service | Complaint Details Unavailable
5/19/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been a customer with TD bank for a fe years now. During the course of that time a have accumulated a great deal of their $35 over draft charges. A great number of the time I was confuse and did not understand why; simply because when I was viewing my account balances online it reflected other wise. Since then I have become more conscious and process the majority of my transactions as debit as much as possible. I saw read many reviews on TD and learned that a great number of customers were being ripped of by these over draft charges. On March 25, 2014 I had a moving company charge my account of an unauthorized charged of $50. I knew immediately that this would cause a domino effect in my account because I had several small charges pending in the account. I contacted TD bank and spoke with an representative and informed them; my card was immediately cancelled. The representative communicated with me that I had to wait 10 business days to be given a credit because the $50 unauthorized charge was still pending. The next day I notice that I had accumulated about $175 in over draft fees ( 5x$35). I contacted TD bank and communicated with a representative regarding the effect of this $50 unauthorized charge in my account. The representative told me that I had to call back in a few days. Within two days I called back, and I was informed that it would take 10 business days to get a credit back on my account. I also notice I was also charge an additional $140 in over draft ($35x4). The representative communicated with me that these fees would be credited back to me once the $50 unauthorized charge was credited back into the account. When I called to follow up regarding the unauthorized charge; I was told that there was no record and that I had to file a different type of claim; and that it would take 60 business days to receive my funds back. I was beyond frustrated at this point. I took matters into my own hand and filed a complaint with the business. On the morning of May 7, 2014 TD bank credited my account of the $50 unauthorized charge and one over draft fee of $35. I called in an spoke with a manager from the bank and she attempted to convince me that with the $50 unauthorized fee I would of only one fee would be associated with that. I explained to her that when I viewed my account several times throughout the day and over the course of time when the unauthorized charged occurred that was not the case. She also acknowledge that they way their system reflect information is not accurate. I am tired of flighting with this bank. I accumulated $300 in fees.

Desired Settlement: I was charge a total of 9 over draft fees of $35 because of how their system post transaction; $50 unauthorized charged threw my account off'; I want to be credited of at least 6to 7 of these fees. The way that TD bank conducts their business practices its not only deceiving and immoral it should be banned.

Business Response:

5/19/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Went to the TD Branch located at *** ******* aveneue in **. Requested that wire be done to my canadian account. Gave the clerk at the bank the information needed to complete the wire. The bank made a mistake on the wire and they are blaming me saying that since I signed the contract, I take ownership that everything is correct about the wire. I gave them the right information-they put it in wrong. not only did i lose alot of money on the transaction because the wire got rejected, they kept the $40 wire fee. In addition, the whole time, the assistant manager could not locate the wire which took over a WEEK to get returned to my account. Did not even get an apologize from the assistant manager.

Desired Settlement: I would like a refund of the currency exchange difference. The bank keeps insisting I gave them the wrong information. That is not true-I gave them the right information they just inputted incorrectly into the wire instructions. Even a simple apology would mean something which NO ONE at the branch offered.

Business Response: Good afternoon Mr. ******* We are in receipt of your complaint to the OCC as well and we will provide a response once our research has been completed.   "On the Road to Legendary The Chairman's Service Center Strives for Same Day resolution!  We require a response within 3 days!”   ***** ** ******** | Senior Customer Advocate The Chairman's Service Center TD Bank, America's Most Convenient Bank ® **** ****** Way *** ****** NJ ***** T: *** *** **** | F: *** *** **** **************@TD.com

5/18/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have three accounts with TD bank, and about two weeks ago they closed the one my direct deposit goes to. I called and no one could figure out why it was closed and reopened it, they also had to reroute my direct deposit. So the same thing happened today, seems to always happen the same week as my direct deposit. I call and this time they told me I had to go inside the branch to find out why it was closed. I refused. I have never requested my account be closed and this is an error on their part. They keep closing my account without any reasoning or sympathy, it's very frustrating as my direct deposit goes in that account.

Desired Settlement: I want a phone call from someone who can explain why my account keeps being closed and then I want it to stop being closed.

Business Response:

5/18/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: they ran my credit without my permission and I want them to take it off, or I will file fraud charges,it is hurting my score

Desired Settlement: please send me a letter saying you are taking it off my credit report

Business Response: Good evening ********** **********, We are working toward confirming what caused the credit inquiry on your credit report as it relates to TD Bank.  Our Auto Finance Team is connected with you this evening to obtain a copy of your current credit report to assist you in our efforts. We look forward to assisting you with your concern.   ***** ** ********| Senior Customer Advocate The Chairman's Service Center TD Bank, America's Most Convenient Bank ®  **** ******Way *** ****** NJ ***** T: *** *** ****

5/18/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I went to this location for use of their notary services. I sat there in the bank for almost 45 minutes before I was called in customer service. ******** ********* was to assist me. I immediately advised him I needed a notary. He stated that he wasn't a notary but there were 2 female employees there that was & asked me to have a seat. ******** came back to me & said they couldn't assist because they don't notarize for car loan, mortgages etc. I needed paperwork for my mortgage notarized.(***** Home Finance). I stated to him, this was a service TD Bank provides being as though I just had the same service done at the ****** ***** TD Bank location as well as verified through the corporate office. He said ok & asked the other female who also walked over to me & explained they couldn't assist. While I was sitting there I called back to the corporate office. They stated there should be no reason why this service was being denied. She asked to speak with the brank manager. ******** was the manager & I gave him my phone. ******** advised the corporate office he received different information & then lied & advised the corporate office he didn't have anyone there to do the notary for me. This was a flat out lie & the services was denied. I got the service done again at the TD ****** ***** Branch. I am very surprised to have been treated this way especuially by a manager. he said there & lied to my face. if he didn't have anyone there for notary why would he ask me to have a seat. the same employees that was in the bank when I left was the same employees when I arrived.

Desired Settlement: I would also like to place a formal complaint as this is not acceptable. I was there for an hour with no services done. I would like a formal apology.

Business Response:

5/17/2014 Problems with Product/Service |