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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 13 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 983 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

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

Industry Ratings Comparison | Chart


Customer Complaints Summary Read complaint details

983 complaints closed with BBB in last 3 years | 284 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 60
Billing/Collection Issues 456
Delivery Issues 12
Guarantee/Warranty Issues 6
Problems with Product/Service 449
Total Closed Complaints 983

Customer Reviews Summary Read customer reviews

148 Customer Reviews on TD Bank
Customer Experience Total Customer Reviews
Positive Experience 1
Neutral Experience 4
Negative Experience 143
Total Customer Reviews 148

Additional Information

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 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)

BBB Program Participation

BBB Community Patrons
BBB Community Patrons are like-minded businesses that see ethics as the key factor in creating a stronger, healthier business community.

BBB Community Patrons' additional financial support enables BBB to pursue distinctive, mission-based programs focused on ethics that would not be possible if not for the generous backing from BBB Community Patron Sponsors.

Industry Tips
Adjustable Rate Mortgages Advance Fee Mortgage and Loan Brokers Applying for a Loan Choosing a Bank Debt Negotiation 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 Rd

    Rochester, NH 03867 (603) 335-3300

  • THIS LOCATION IS NOT BBB ACCREDITED

    1 Old Loudon Rd

    Latham, NY 12110 (518) 785-8628

  • 1 Pondview Pl

    Tyngsboro, MA 01879 (978) 649-3375

  • 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 St

    Bristol, NH 03222 (603) 744-4800

  • 10 Tibbetts Dr

    Brunswick, ME 04011 (207) 721-8122

  • 100 Center Rd
    PO Box 8500

    Essex Jct, VT 05452 (802) 878-3367

  • THIS LOCATION IS NOT BBB ACCREDITED

    100 Quaker St

    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

    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

    10836 Queens Blvd

    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 Trl W

    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

    New York, 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 Province Rd

    Barrington, NH 03825 (603) 664-7300

  • 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 St

    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

  • 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 St

    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 Dolson Ave

    Middletown, NY 10940 (845) 344-2732

  • 1586 Main St

    Oxford, ME 04270 (207) 743-8131

  • 16 E Main St

    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 Dr

    S Portland, ME 04106 (207) 799-8189

  • THIS LOCATION IS NOT BBB ACCREDITED

    1806 Medford Ave

    Medford, 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 81
    PO 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 Rd

    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 St

    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 St
    PO 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 St

    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

  • 21 Elm St

    Woodstock, VT 05091 (802) 457-1856

  • 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

  • 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 St

    Hampstead, NH 03841 (603) 329-6711

  • THIS LOCATION IS NOT BBB ACCREDITED

    224 W 57th St

    New York, NY 10019 (212) 397-2259

  • THIS LOCATION IS NOT BBB ACCREDITED

    224 W 57th St

    New York, NY 10019

  • 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 Hudson St

    New York, NY 10013 (646) 613-1165

  • 25 Prospect St

    Framingham, MA 01701 (508) 875-5291

  • THIS LOCATION IS NOT BBB ACCREDITED

    25 Water Tower Pl

    Leominster, MA 01453 (978) 840-1066

  • 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 St

    Henniker, NH 03242 (603) 428-3235

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    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 St

    Rutland, VT 05701 (802) 773-3321

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    28 Maple St

    Glens Falls, NY 12801

  • 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

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    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

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    2990 Main St

    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

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    30 E Main St

    Orange, MA 01364 (978) 544-6915

  • 30 State Rd

    Kittery, ME 03904 (207) 439-2066

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    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

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    319 Glen Head Rd

    Glen Head, NY 11545 (516) 671-2808

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    3190 Steinway St

    Astoria, NY 11103 (718) 269-6000

  • 32 Goding Ave

    Lincoln, ME 04457 (207) 794-6739

  • 32 Mammoth Rd

    Lowell, MA 01854 (978) 459-5830

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    320 Route 25A

    Rocky Point, NY 11778 (631) 209-2453

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    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 Rd

    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 Rd

    Saint Albans, VT 05478 (802) 527-8480

  • 36 N Main St

    Barre, VT 05641 (802) 479-3313

  • 36 N Main St

    Barre, VT 05641 (802) 479-3313

  • 361 Pond St

    Ashland, MA 01721 (508) 881-6894

  • 362 Allen Ave

    Portland, ME 04103 (207) 797-4400

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    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

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    40 State Route 101A

    Amherst, NH 03031 (306) 249-4009

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    401 5th Ave

    New York, NY 10016 (212) 679-2270

  • 407 Boston Post Rd

    Sudbury, MA 01776 (978) 443-3399

  • 41 Drum Hill Rd

    Chelmsford, MA 01824 (978) 459-5850

  • 411 Broadway

    Revere, MA 02151 (781) 284-2650

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    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 St

    Barton, VT 05822 (802) 525-6521

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    4240 Albany Post Rd

    Hyde Park, NY 12538 (845) 229-2675

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    425 Smithtown Byp

    Hauppauge, NY 11788 (631) 979-5028

  • 427 Main St

    Enosburg Fls, 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 Westport Ave

    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

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    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

  • 451 Andover St

    North Andover, MA 01845 (978) 689-7777

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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

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    465 N Main St

    East Longmeadow, MA 01028 (413) 748-8535

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    466 Foxon Blvd

    New Haven, CT 06513 (203) 468-2981

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    468 Route 211 E

    Middletown, NY 10940 (845) 343-7680

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    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

    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 St

    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 St

    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 Dr

    Bolton Lndg, NY 12814 (518) 644-3421

  • THIS LOCATION IS NOT BBB ACCREDITED

    495 Central Ave

    White Plains, NY 10606 (914) 946-1114

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    497 Us Route 202

    Rindge, NH 03461 (603) 899-7000

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    5 Park Plz

    Mechanicville, NY 12118 (518) 664-5129

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    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

  • 5070 Main St

    Waitsfield, VT 05673 (802) 496-2596

  • 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

  • 5112 Shelburne Rd

    Shelburne, VT 05482 (802) 985-8071

  • THIS LOCATION IS NOT BBB ACCREDITED

    515 State Route 17M

    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

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    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 9th Ave # 586

    New York, 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 St

    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 Ave

    Rocky Hill, CT 06067 (860) 257-6978

  • 635 Lowell St

    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 Ave

    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 Ave

    New York, 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 Rd

    Brewster, MA 02631 (508) 896-5713

  • 700 Main St

    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 Us Route 1

    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

  • 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 St

    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

  • 90 Main St

    Montpelier, VT 05602 (802) 371-1622

  • THIS LOCATION IS NOT BBB ACCREDITED

    90 Washington Ave

    North Haven, CT 06473 (203) 239-6495

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    900 Queen St

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    Middletown, CT 06457 (860) 344-1836

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    Mahopac, NY 10541 (845) 628-8576

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    New York, NY 10017 (212) 593-8071

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    Alton, NH 03809 (603) 875-6111

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    Brooklyn, NY 11232 (718) 438-3325

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    South Glens Falls, NY 12803 (518) 792-1427

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    Brooklyn, NY 11209 (718) 630-9965

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    Westbury, NY 11590 (516) 334-0193

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    Wellesley, MA 02482 (781) 237-9100

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    Fox Pond Plaza, Route 106

    Loudon, NH 03307 (603) 798-4401

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    PO Box 26
    E Brook Mall, Route 195

    Mansfield Center, CT 06250 (860) 465-2782

  • PO Box 409

    Burlington, VT 05402

  • PO Box 9547

    Portland, ME 04112

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    Plattsburgh, NY 12901 (518) 561-9730

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    Granville, NY 12832 (518) 642-1010

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    10 Gusabel Ave

    Nashua, NH 03063 (603) 577-5144

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    Tilton, NH 03276 (603) 286-2471

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    Keene, NH 03431 (603) 354-2000

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    Peterborough, NH 03458 (603) 924-4700

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    Hooksett, NH 03106 (603) 695-3300

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    Weare, NH 03281 (603) 529-4900

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    Troy, NH 03465 (603) 242-4300

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    Portsmouth, NH 03801 (603) 433-2985

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    Bedford, NH 03110 (603) 471-1621

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    Nashua, NH 03060 (603) 577-5040

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    Manchester, NH 03103 (603) 695-3510

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    Portsmouth, NH 03801 (603) 430-3812

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    Newington, NH 03801 (603) 433-2801

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    Nashua, NH 03060 (603) 891-8204

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    North Conway, NH 03860 (603) 356-5466

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    Seabrook, NH 03874 (603) 474-5622

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    277 Sheep Davis Rd

    Concord, NH 03301 (603) 229-5969

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    Laconia, NH 03246 (603) 527-3707

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    Jaffrey, NH 03452 (603) 532-1400

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    Stratham, NH 03885 (603) 778-4278

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    Dover, NH 03820 (603) 740-8049

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    293 S Main St

    Manchester, NH 03102 (603) 695-3530

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    3 Elm St

    Goffstown, NH 03045 (603) 497-6000

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    30 Warwick Rd Ste 08

    Winchester, NH 03470 (603) 239-1500

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    300 Daniel Webster Hwy

    Merrimack, NH 03054 (603) 440-6100

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    Manchester, NH 03101 (603) 695-3481

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    Nashua, NH 03060 (603) 577-5110

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    333 State St

    Portsmouth, NH 03801 (603) 433-2969

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    35 Manchester Rd

    Derry, NH 03038 (603) 432-0382

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    353 Central Ave

    Dover, NH 03820 (603) 740-8025

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    4 Central St

    Farmington, NH 03835 (603) 755-7600

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    4 Northwest Blvd

    Nashua, NH 03063 (603) 577-5014

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    40 High St

    Hampton, NH 03842 (603) 926-3339

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    46 Lafayette Rd

    North Hampton, NH 03862 (603) 964-2600

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    50 Glass St

    Pembroke, NH 03275 (603) 485-1210

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    500 Washington Rd

    Rye, NH 03870 (603) 964-5400

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    51 White Mountain Hwy

    Conway, NH 03818 (603) 447-6333

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    Kingston, NH 03848 (603) 642-3353

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    564 Turnpike Rd

    New Ipswich, NH 03071 (603) 878-6200

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    Londonderry, NH 03053 (603) 432-5111

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    Manchester, NH 03104 (603) 695-3147

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    Newmarket, NH 03857 (603) 740-8060

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    Hudson, NH 03051 (603) 557-5070

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    Keene, NH 03431 (603) 354-2077

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    Contoocook, NH 03229 (603) 229-5915

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    Wilton, NH 03086 (603) 249-4002

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    PO Box 549

    Wolfeboro Fls, NH 03896 (603) 569-8999

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    194 West St

    Keene, NH 03431 (603) 354-2040

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    47 Plaistow Rd

    Plaistow, NH 03865 (603) 382-4127

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    40 High St

    Hampton, NH 03842 (603) 926-3339

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    333 State St

    Portsmouth, NH 03801 (603) 433-2969

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    62 Nashua Rd

    Londonderry, NH 03053 (603) 432-5111

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    191 Main St

    Nashua, NH 03060 (603) 577-5040

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    141 S River Rd

    Bedford, NH 03110 (603) 695-3333

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    1625 Summer St

    Stamford, CT 06905 (203) 323-1064

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    1625 Summer St

    Stamford, CT 06905 (203) 323-1064

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    1715 Black Rock Tpke

    Fairfield, CT 06825 (203) 336-6312

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    1715 Black Rock Tpke

    Fairfield, CT 06825 (203) 336-6312

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    2 W Main St

    Waterbury, CT 06702 (203) 759-4001

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    2 W Main St

    Waterbury, CT 06702 (203) 759-4001

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    200 New Hartford Rd

    Winsted, CT 06098 (860) 738-0101

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    200 New Hartford Rd

    Winsted, CT 06098 (860) 738-0101

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    215 High St

    Torrington, CT 06790 (860) 496-2179

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    2461 Main St

    Glastonbury, CT 06033 (860) 652-6507

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    2461 Main St

    Glastonbury, CT 06033 (860) 652-6507

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    249 Bank St

    Seymour, CT 06483 (203) 888-4521

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    249 Bank St

    Seymour, CT 06483 (203) 888-4521

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    714 Hopmeadow St

    Simsbury, CT 06070 (860) 658-3028

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    714 Hopmeadow St

    Simsbury, CT 06070 (860) 658-3028

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    95 Barnes Rd

    Wallingford, CT 06492 (203) 294-6500

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    95 Barnes Rd

    Wallingford, CT 06492 (203) 294-6500

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    75 Rockefeller Plz

    New York, NY 10019 (212) 314-9800

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    6000 Atrium Way
    Attn: Mamie Prout

    Mount Laurel, NJ 08054

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    10 Center St

    Adams, MA 01220 (413) 743-3000

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    11 Amity St

    Amherst, MA 01002 (413) 253-1458

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    1227 Main St

    Worcester, MA 01603 (508) 793-4188

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    1360 Carew St

    Springfield, MA 01104 (413) 748-8506

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    140 Russell St

    Hadley, MA 01035 (413) 584-0730

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    1441 Main St

    Springfield, MA 01103 (413) 748-8231

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    153 Meadow St

    Chicopee, MA 01013 (413) 536-2359

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    175 Main St

    Northampton, MA 01060 (413) 584-4400

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    178 Main St

    Sturbridge, MA 01566 (508) 347-7361

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    1800 Boston Rd

    Springfield, MA 01129 (413) 543-4933

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    200 Boston Tpke

    Shrewsbury, MA 01545 (508) 793-4200

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    2156 Main St

    Athol, MA 01331 (978) 249-3248

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    271 Main St

    Great Barrington, MA 01230 (413) 528-2323

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    295 Park Ave

    Worcester, MA 01609 (508) 752-2584

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    324 Main St

    Greenfield, MA 01301 (413) 772-4911

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    367 Summer St

    Fitchburg, MA 01420 (978) 342-6166

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    412 Boston Rd

    Springfield, MA 01109 (413) 748-8520

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    431 Main St

    Dalton, MA 01226 (413) 684-2466

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    441 Cooley St

    Springfield, MA 01128 (413) 782-7068

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    470 Main St

    Fitchburg, MA 01420 (978) 353-4764

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    50 Holyoke St

    Holyoke, MA 01040 (413) 532-0156

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    500 Grafton St

    Worcester, MA 01604

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    549 Center St

    Ludlow, MA 01056 (413) 748-8555

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    561 Sumner Ave

    Springfield, MA 01108 (413) 748-8511

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    57 Spring St

    Williamstown, MA 01267 (413) 458-8321

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    60 Main St

    Westfield, MA 01085 (413) 568-0450

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    614 Southbridge St

    Auburn, MA 01501 (508) 721-2730

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    619 Chestnut St

    Springfield, MA 01107 (413) 748-8503

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    660 Merrill Rd

    Pittsfield, MA 01201 (413) 499-7687

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    693 Memorial Dr

    Chicopee, MA 01020 (413) 858-2671

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    847 Williams St

    Longmeadow, MA 01106 (413) 567-0673

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    90 Main St

    North Adams, MA 01247 (413) 663-6561

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    90 Pearson Blvd

    Gardner, MA 01440 (978) 632-2054

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    958 State St

    Springfield, MA 01109 (413) 748-8514

  • THIS LOCATION IS NOT BBB ACCREDITED

    969 Riverdale St

    W Springfield, MA 01089 (413) 733-5404

X

BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

7/25/2016 Billing/Collection Issues
7/24/2016 Billing/Collection Issues | Complaint Details Unavailable
7/24/2016 Problems with Product/Service | Complaint Details Unavailable
7/23/2016 Billing/Collection Issues | Complaint Details Unavailable
7/23/2016 Problems with Product/Service | Complaint Details Unavailable
7/22/2016 Billing/Collection Issues
7/22/2016 Problems with Product/Service
7/21/2016 Billing/Collection Issues
7/21/2016 Billing/Collection Issues | Complaint Details Unavailable
7/16/2016 Billing/Collection Issues | Complaint Details Unavailable
7/11/2016 Problems with Product/Service | Complaint Details Unavailable
7/11/2016 Problems with Product/Service | Complaint Details Unavailable
7/9/2016 Billing/Collection Issues | Complaint Details Unavailable
7/9/2016 Problems with Product/Service
7/8/2016 Billing/Collection Issues | Complaint Details Unavailable
7/6/2016 Billing/Collection Issues | Complaint Details Unavailable
7/6/2016 Problems with Product/Service
7/5/2016 Problems with Product/Service | Complaint Details Unavailable
7/1/2016 Billing/Collection Issues | Complaint Details Unavailable
7/1/2016 Problems with Product/Service | Complaint Details Unavailable
6/30/2016 Problems with Product/Service
6/28/2016 Billing/Collection Issues | Complaint Details Unavailable
6/28/2016 Problems with Product/Service
6/27/2016 Problems with Product/Service
6/26/2016 Billing/Collection Issues
6/25/2016 Problems with Product/Service
6/25/2016 Billing/Collection Issues | Complaint Details Unavailable
6/21/2016 Problems with Product/Service | Complaint Details Unavailable
6/20/2016 Problems with Product/Service
6/19/2016 Billing/Collection Issues | Complaint Details Unavailable
6/17/2016 Problems with Product/Service | Complaint Details Unavailable
6/14/2016 Problems with Product/Service
6/14/2016 Problems with Product/Service | Complaint Details Unavailable
6/14/2016 Problems with Product/Service | Complaint Details Unavailable
6/13/2016 Problems with Product/Service | Complaint Details Unavailable
6/7/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: TD Bank charged three overdraft charges the SAME exact day that we had deposited a cash deposit . We have been always told that same day deposits would cover charges , we have been told that by the tellers . There were two checks that went thru as well as our cash $300 deposit to cover .. TD BANK charged us $70 for the two overdrafts and then another $35 to charge us for their $70.00 overdraft charge . I called the TD main number spoke to a representative and he told me they changed the policy the end of APRIL that on that second a charge comes in it doesn't matter if you have funds to cover that same day , it is the second that the charge comes in that matters . I think this is truly UNFAIR as I was not informed and the tellers were NOT aware of the change , I think it is very unfair that a bank can do this to the general public . They had NO remorse and did not care, they said that they did a mailer the end of April ????????????????????????????? I did not receive any information in regard to this change . TD Bank needs to refund me the $70 and the $35 or bare minimum they need to refund me the $35 that they charged because they put an overdraft charge , they actually charged us for the overdraft. ??? PLEASE HELP

Desired Settlement: Credit our account back $105.00 !!!!!!!!!!!!! $70.00 charge and then the $35.00 that was charged on their own charge which was incorrect.

Business Response: Good evening, Please find attached our response to your concern.  Have a wonderful weekend.***** ** ******** | Senior Customer AdvocateThe Chairman's Service CenterTD Bank, ********* **** ********** **** ***** ****** *** *** ****** ** ******* *** *** **** | F: *** *** ****

6/6/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On March 29, 2016 i contacted TD Bank to file a complaint regarding a fraudulent credit card account that appeared on my ******* Credit Report. I spoke with a woman by the name of ******. She assured me that they would file the dispute immediately. I called back on April 6, 2016, to ask for an update regarding the case. The agent on the phone, named ******, brought to my attention that they never filed the dispute but he would be doing so now. Officially on April 6, 2016 the account was filed as a fraudulent dispute despite me calling several days prior, which clearly shows TD Bank not complying with the FCRA law. Aside from this, i requested the information of the person who'd be handling this investigation as it is my right during the investigation process and part of the law which is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) but instead TD Bank failed to comply with Federal Law. As well as my request for the contact information of the investigator handling my case; i requested the loan application documents of this account to compare the signatures which would clearly show this debt to be fraudulent. TD Bank instead failed to send me the loan application within the 30 days of their investigation. Instead of sending me the loan application documents, TD Bank sent me a packet of statements that showed no application status of signatures of the fraudulent applicant. On Friday, May 6, 2016, a woman from TD Bank corporate offices by the name of ****** ** ** ****, calls me from phone number ************ and begins to patronize me saying that the case is closed and they don’t believe it to be fraud. I ask her who did the investigation in which she says she doesn’t know. I asked her if she compared my ID to the signature on the loan application and she says she doesn’t know again. She finally says that she is simply calling me as a courtesy to let me know the ruling of this case. I inform ****** that i never received the loan application for this fraudulent account and she says she’d send it to me. I tell her that its now been 30 days and they haven’t cooperated in handling this investigation accordingly and that due to this they need to remove this account from my credit files. She responds in a very superiority-like tone, that decision is final and that i can report it to the Federal Trade Commission. I want this to be noted, TD Bank has clearly handled this investigation in a very unprofessional manner with abusive illegal tactics showing a blatant disregard for the law provided by the FCRA. Under Section 611 (5)(A) of the Fair Credit Reporting Act, TD Bank is required to promptly delete all information which cannot be verified. TD Bank did not verify this debt to be mine, nor did the provide documentation doing so, nor did they provide the name or contact information of the person handling this investigation, and they failed to comply within the 30 day time frame to do all this as the Fair Credit Reporting Act law stipulates. I kindly ask that the BBB step in and have TD Bank remove this account from my credit files as a 'Cancellation of Debt' for the amount of $0.00, since it was fraudulent.

Desired Settlement: For TD Bank to remove this account from my credit files as a 'Cancellation of Debt' for the amount of $0.00, since it was fraudulent, they did not provide the information of the persona handling the investigation, they did not provide the loan application of whoever applied for this account in order to prove validity of this debt by comparing the signatures with my government ID, and they failed to comply within the 30 day time frame to do all this as the Fair Credit Reporting Act law stipulates.

Business Response: Please see attachment.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.  Dear TD Bank,This account should not appear on my report due to it being a fraudulent account. I did not open this credit card account and i went ahead to provide my ID, in which case you will see that the signatures are not the same. I do not have any accounts with TD Bank. This request to have this account removed is protected by my consumer rights mandated by the Fair Credit Reporting Act. Regards, ******* *****  

Business Response: Please see attachment.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 # ********. TD Bank is not reporting accurately this account given that it is fraud. They are still not complying with FCRA law. I request that they remove this account from my credit files.  Regards, ******* *****  

6/5/2016 Problems with Product/Service | Complaint Details Unavailable
6/4/2016 Problems with Product/Service
6/4/2016 Advertising/Sales Issues
6/3/2016 Problems with Product/Service | Complaint Details Unavailable
6/2/2016 Advertising/Sales Issues
6/1/2016 Billing/Collection Issues | Complaint Details Unavailable
5/31/2016 Problems with Product/Service | Complaint Details Unavailable
5/30/2016 Problems with Product/Service | Complaint Details Unavailable
5/24/2016 Billing/Collection Issues | Complaint Details Unavailable
5/22/2016 Problems with Product/Service
5/22/2016 Problems with Product/Service | Complaint Details Unavailable
5/19/2016 Advertising/Sales Issues | Complaint Details Unavailable
5/18/2016 Problems with Product/Service | Complaint Details Unavailable
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Additional Notes

Complaint: Purchased an engagement ring through **** ****** jeweler and it was financed with a **** ****** jewelery credit card belonging/financed through TD bank. I have many attempts to contact them concerning an address change and to make payments. The purchase was in November I had called over 5 times and waited on hold for over an hour and a half each time. I had talked to a representative only once and told them the issue and begged not to be put on hold again cause it keeps disconnecting me later. I tried to change my information online but without my paper bill i had no idea what my account number was. I have tried and tried and tried to get my information updated but each time i wait on hold till it either disconnects me or my phone dies. I just want to make payments but i feel like im being intentionally ran into the ground with them. (2 hours later) i gave them the benefit of the doubt and tried one last time before i submitted this complaint. I actually tried. I was on for over 2 hours, the first after 45 minutes i was put on hold after simply stating my name and it routed me directly the beginning of the automated system to essentially start over after 45 minutes. After another hour i finally reached someone who directed me to another department and i was follow on redirected twice until after 15 minutes od waiting on hold it suddenly disconnected. This is the last straw. I am trying to pay this bill but can't even make connect with the damn company.

Desired Settlement: No late fees. No collection. No rate adjustment. I simply want them to change my address send me my damn bill and take my money!

Business Response: Good Day. We are in receipt of your BBB complaint. Your issue is currently being investigated. We will be following up with you shortly. If in the interim, you have any question please contact ******* ******** at **************.   Thank you

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Additional Notes

Complaint: I took a promotion offer back in October last year and open the checking account, the offer was to open a TD Convenience Checking account online and make 15 debit card purchase transactions in 60 days to qualify for the $150 statement credit. I opened the account and finished the required number of transactions within require time of period. however, I never got the promised bonus, tried to contact their customer services several times, no results.

Desired Settlement: Please issue the promised credit $150

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Additional Notes

Complaint: In October of 2015, my wife *** and I started looking into the possibility of buying the property next door to help our family. After talking to many banks, we found that we could not do a second home mortgage because the property was less than 50 miles from our home of residence. It was on November 11, 2015, that we contacted TD Bank in Newberry, SC, and spoke with ***** (****) ****. We explained that we were trying to buy the property next door to ours with a mobile home on 12.57 acres. We told him that we were going to use the property to help my wife’s parents. We went on to tell **** that the down payment would come from ***’s parents. He said that he would have to check with the loan officers and see if TD could do an investment mortgage on the property next door with our situation and conditions. After checking with the loan officers, he said that it was fine for ***’s parents to provide the down payment for the loan and that an investment loan could be done. The money for the down payment just had to be in our accounts before closing, and we had to provide a statement from the bank showing the balance before the closing date. We started the application process on November 13, 2015. This date was the rate lock effective date with it expiring on January 12, 2016. The price of the property was for $75,000. On 11-17-15, we were contacted by email that TD Bank had conditionally approved our mortgage. ******* ***** would be handling our loan. ******* requested some documentation so we electronically signed some bank forms online and then sent the others by fax. I said then that I did not want to sign the appraisal form but was told to go ahead in order to move forward. I was told that the appraisal would be held until the loan was a sure thing. We sent more documentation on 11-18-15, 11-19-15, 11-23-15, and 11-25-15. We were notified on 11-23-15 that the closing date was set for 1-04-16. Getting in touch with ******* was difficult and frustrating. When we had questions, our call always went straight to voicemail. When we did hear from her, it was by email and she mainly requested information that we already sent. Through this whole process, we had to keep resending documents. I resent documents on 12-02-15, 12-03-15, 12-04-15, and later on 12-26-15. This was very unprofessional on *******’s part that we had to send the same documents multiple times. When we finally got to talk to ******* on the phone on 12-04-15, we discussed the down payment once again. ******* said that it was fine for my in-laws to give us a gift for the down payment of the investment loan at closing. She just said that we needed to write everything down in an email and send it to her so the underwriters would have written proof of where the money was coming from. Once the money was deposited into our ******** account, we had to get a statement from the bank showing the balance before the loan could close. We told her that the money from ***’s dad was in an IRA, and we did not want him to take out the money until we were sure everything was going through with the loan because he would have to pay a fee. She said that she would tell us when to transfer the money from ***’s dad to our bank account. When we got off of the phone, we sent an email with a written latter explaining where the down payment was coming from. We did not hear anything back about the "NO GIFT" rule. After sending and resending the needed emails and documents on December 4, 2015, to *******, we were told that everything was fine for closing. I told ******* that I did not want the appraisal done unless we were good to go on everything else. She said that we were and set up the appraisal for 12-10-15. From the banking rules, this loan should not have gone any further and the appraisal not done because we had sent all of our documentation and written explanation of the gift from family for the down payment before the appraisal was done. Even later in the month on 12-28-15 when I discussed the down payment coming from family with another member of the loan team ****** *******, she also told me to make sure that the money was in our bank account before closing with proof from the bank. On January 4, 2016, ******* called us on the phone and asked if the money from ***’s dad was in our account. She told us to make sure that it was in there and to then get a statement from the bank showing the balance. ***’s dad wire-transferred the money into our ******** bank account on the 5th of January, 2016. We got a statement from ******** showing the balance that same day. When we got home, we sent an email with the ******** statement and the **** ******* statement showing we had enough money for the down payment and closing costs. We left a voicemail with ******* asking her to call us with an update and the closing details. We got a call from ******* on 1-06-16 telling us that the money for the down payment had to be our own money and could not be a gift. What I want to know is why TD Bank does not train their loan officers to know all of the rules and guidelines for every type of loan? This loan should have never gotten past the application process on November 13, 2015, when we asked if it was ok for the down payment to come from our parents as a gift, we were told it was ok. Both ******* ***** and ****** ******* did not know the rules and guidelines and should have. They have cost us both time and money. They also cost the sellers their time and cost ***’s dad money for taking money out of his IRA. As a result, we do not feel that we should have had to pay for the appraisal when your loan officers should have stopped the loan process when they found out about the gift for the down payment in the very beginning. We have been up front about that from the start. ******* should have known those rules from the start and the appraisal would not have been done. Therefore, we feel we should be refunded for the cost of the appraisal, which was $600.00. Since TD did not know the rule of no gift money, we checked with other banks to see if they knew that rule. ********, ****** ***** ****, & **** all knew that rule. They all told us that they would not be able to do a loan for us because of the no gift rule. How is it that other bank loan officers know the rules and TD Bank loan officers do not? We would not have lost any money or time with these other banks because they knew the rules from the start. Since the loan officers at TD did not know their jobs and were terrible at gathering information and communicating with us, we should not be responsible for the appraisal fee. TD should take responsibility for not training their loan officers properly in the rules for loans and refund us our money.

Desired Settlement: I would like a refund of the appraisal fee of $600.

Business Response: Re: BBB Case #********  Dear Mr. ********, This letter is in response to an inquiry received from the Better Business Bureau (BBB), regarding a request for reimbursement of appraisal funds paid during your mortgage application process. On November 13, 2015 we received an application for a purchase mortgage. This application was approved for processing on November 17, 2015 with a list of initial items needed for review. Your assigned processor emailed you these requirements on November 23, 2015, however our research determined you were not notified verbally that gift funds would not be accepted for this type of purchase. TD Bank lending guidelines mandate that all investment property purchases will not be approved using any gift funds. Within the email processing requested that you provide evidence documenting that a total of $21,886.10 is available as funds needed for closing. It was not until January 4, 2016 during a phone call with your processor did you learn that the anticipated use of gift funds would not be acceptable.At TD Bank we take pride in our ongoing commitment to personalized customer service, and want to ensure that all of your future banking experiences with us is positive, accordingly, we would like to issue a credit of $600.00 for any inconvenience you occurred. Please contact me at your earliest convenience to discuss the receipt of your credit. I can be reached at ************* Monday through Friday from 8:00am-5:00pm.Sincerely,     ***** *******Customer Experience Advocate TD Bank, N.A. 

Consumer Response: 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, ******** ********

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Additional Notes

Complaint: During a refinance of my house TD bank charged me $225 to subordinate a home equity loan i had with them to return to second place on the new mortgage. I also paid $125 fee to my solar company to temporarily remove a lien so the title would be clear for closing. The title company which accepted the letter from the solar company forwarded it and other information requested by TD bank, several times, to continue with said subordination. TD claims they never received the information. I was forced to secure funds to pay off the home equity loan with TD bank to continue with the refinance of the first mortgage. TD Bank refuses to refund my $225 fee saying they did nothing wrong and it is non refundable.

Desired Settlement: I want a check for $225.00 mailed to my house.

Business Response: Please see attachment. Thank you

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Additional Notes

Complaint: This is concerning account number ***********. I continue to get letters of “Notice of overdraft protection” in the mail. I am no longer a customer of the bank and I have been living in an assisted-living facility in Wisconsin for the past five years. I sent a letter to the Lewiston, Maine address a few years ago with a payment and at that time asked to close my account. It has not been done

Desired Settlement: Please close my account. I do not plan to pay any charges since I had made this request previously

Business Response: Ms. ********, thank you for allowing us the opportunity to address your concerns.  TD Bank has paid the charged off balance of $85.51 and closed your account however; you do still have overdraft protection which currently has a balance.  You also have a savings account with a balance.  Please feel free to contact us so that we can ensure these accounts are closed as well. We look forward to hearing from you. 

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Additional Notes

Complaint: I have been dissatisfied with the lack of information within customer service and their lack of effort to help with anything. When I was a customer at **** ** *******, I had Zero over draft fees. This is all this bank does and after a tulmuturous few months I decided its best to part ways. I stopped into the local branch on way to work Monday morning. IT was 830 am as I start work at 9 am. I told her I wanted to close my account and so the bank opened technically at 9am but she took me inside so I could start everything. I wrote out a check for the remainder of my balance and she said she would close it later that day. She called me about some overdraft fees $70 worth that came onto my account in the afternoon. After further dispute, I came to a fair resolution and went to the bank tonight to pay $35 half so we could part ways. Well wouldnt ya know they now have charged the account another $35 in overdraft for me writing the check to close my account. The insanity never stops and this is just par for core with this bank. They just look for any possible ways to take from their customers. It is dead wrong the practices they hold.

Desired Settlement: I just want to be treated fairly so I can walk away from the most terrible placed I have banked in all my years. Please contact them so I can pay my share at $35 and get away from this mess.

Business Response: Ms. **********, thank you for allowing us the opportunity to address your concerns.  We have refunded $70.00 to your account and it has been closed.  We do hope you find this resolution satisfactory. 

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Additional Notes

Complaint: I opened a checking and savings account in March 2015. I received a letter from TD Bank on November 18, 2015 stating that my checking account was overdrawn. After logging on to the account to see what had happened, I could tell that for three months (since August) TD Bank had been charging me maintenance and overdraft fees to the tune of $35 a month, causing my account to go negative and then further negative each month. All without contacting me before charging these fees. The first notice I received was by mail with a letter dated November 13, 2015. My savings account, opened on the same day and linked to the checking account, had hundreds of dollars in it, enough to cover any issues with the checking account. The account representatives that I spoke to tonight told me there was a minimum balance and therefore there was a charge of $15 each month and once those maintenance fees were charged, they added an overdrawn fee on top of that because TD Bank had overdrawn my account. I don't remember agreeing to this minimum balance, nor do I use this account very often, so it is not unusual that I would not have noticed the fees piling up for three months. The supervisor on duty agreed to waive two months worth of fees but would not agree to waive all of the charges. This is a fraudulent practice because once the account dips below the minimum the maintenance and overdraw fees add up quickly to force a negative balance and removing the rest of the money from your account.

Desired Settlement: Refund/adjust the account so all of the fees are waived/credited.

Business Response: Ms. **********, thank you for allowing us to address your concerns.  As a courtesy to you, $30.00 in maintenance fees has been credited to your account and have waived the fee for November and December.  We apologize for the inconvenience and do hope this resolution meets your satisfaction.  You are a valued customer and we appreciate your business.    

Consumer Response: 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, ***** **********

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Additional Notes

Complaint: TD Bank requested numerous documents with a lot of personal confidential financial information which we provided both via email and hard copy (in envelope they provided) well before the deadline. This was in review of an evergreen HELOC loan/a type of loan they no longer offer (and apparently have no way to manage). Please note that this loan was actually paid off in person at local branch about a year ago and we were invited to continue use of it. (The staff at my local branch was very courteous and polite). We responded and provided all of the information requested (and then received a negative autogenerated form letter indicating we never responded or supplied requested information and can no longer draw on the account. This is not true. I put a great deal of time and effort into getting this information together, scanning, it copying it, etc. I have the emails to prove it. Based on theconfidential content of those documents, they need to be returned to me. It was careless and negligent of them to lose or misplace the information and then just never respond after i had been in contact with the designated rep at least three times via telephone. I called the number on the adverse letter (letter invited such a call) requesting a callback and never rec'd the courtesy of a call back. Additionally the original rep requesting information apparently no longer with TD and only left that on his voicemail so when i called his message was "i'm no longer with TD Bank, if you have questions, go to your local branch". I went to local branch and they couldn't locate an appropriate contact about it either. He called a few numbers but to no avail. He tried rep number too and heard same message. In addition to emailing it, I mailed all of that information in an envelope provided by TD Bank. Where is all that information? Paystubs, bank info, misc. finance data,PII, etc. This is so careless and negligent not to mention unprofessional. Dealing with consumers personal finances is a very serious business and should be treated as such.

Desired Settlement: I want to know why TD Bank is claiming they didn't receive the information when it was sent in envelope they provided and to designated rep via email. I want to know who rec'd my emails and what they did with all of those documents and information. I want an acknowledgement of the emailed documentation with some indication that it remained private and i want the hard copies sent to Lewiston, Maine returned to me. Additionally, the letter i rec'd indicates "we're here for you" in bold print. I disagree. I called the number in the letter got a voicemail of person listed in letter and asked her a return call. Noone returned my call. I left two phone numbers so no excuses.

Business Response: Ms. *************, thank you for allowing us the opportunity to review your concerns.  Lending Partner Manager, ******* ****** has attempted to reach you but has been unsuccessful.  We would like to confirm that your documentation has been received and we apologize for the experience.  Coaching will take place as needed.  Should you have any further questions, feel free to contact ******* at ************.  Thank you for being a valued customer.

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11/15/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On September 20th, 2015 at 1:45 AM I made a deposit at the ATM location number ******** for the amount of $400.00 cash. My account was never credited. I filed 2 reports with the bank, one on Sept 22 and Oct 5th, both claims were denied. I tried to file a police report, however, they were unable to assist because they say no crime was conducted. The bank never pulled camera footage to verify my deposit. Their response was the the ATM never showed an overage of any amount. I have been more then patient with the bank. No one from customer service or the banking center showed any empathy or effort to find a solution. This was not the first time I have used this particular machine. I have always been encouraged to use other banking options, however, now with their system error and my loss of money no one seems to help or even care.

Desired Settlement: All I am asking for is my money to be returned. This situation has put me behind financially for 2 months. I have been treated as though I am a criminal that is lying. I am fighting for something that was taken away from me. I am the one who has been robbed and I can not allow TD Bank to walk away from this without further investigating and pulling camera footage that will show me inserting MY money into the machine. All that I am seeking for is that my account be credited with my funds. Thank you in advance.

Business Response: Mr. *********, thank you for allowing us the opportunity to resolve your complaint.  After reviewing the video footage from the ATM vestibule, it was found that you did not deposit any money into the machine.  As no money was deposited, your dispute was declined accordingly.  If there is anything we may help with please do not hesitate to reach out. 

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Additional Notes

Complaint: After 15 calls and 4 hours of my time. No one has been able to help me resolve the problem with the reporting to the credit agency.

Desired Settlement: A call would be nice.

Business Response: Mr. *****, thank you for allowing us the opportunity to assist you.  It was found that there is an error in the way your loan is being reported. ******** ***** is still reporting this loan as “charged off.”  We have submitted a request to have this changed to “transferred.”  We do hope this resolution meets your satisfaction, thank you for being a valued customer.

11/7/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: TD Bank consistently places overdraft charges on customer accounts when funds are available but holds accounts in pending status and collects their fees ahead of transactions deliberately causing accounts to be charged to their own "SELF SERVING" practices. I have spoken with them about these occurrences on numerous occasions. It continues to happen and actions need to be investigated/enforced.

Desired Settlement: Funds restored

Business Response: Mr. ******, thank you for allowing us the opportunity to address your concerns.  We apologize for the experience you have had and hope that the $105.00 fee refund helps to reach a satisfactory resolution.  You are a valued customer and we look forward to continuing our relationship with you.

Consumer Response: 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, ****** ******

11/6/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: To be honest, I'm a little irritated. I have been a loyal customer of TD Bank for almost 6 months, and while I thought it would be a bank for life, I may have to revisit that idea. Not too long ago, there were a few unauthorized transactions that took place on my account. Doing what any prudent individual would do, I disputed both charges and asked for "stop payments" to be applied towards each one. I incurred a ton of fees through overdraft charges and stop payment fees. I then proceeded to contact customer service. I will admit (as I'm an honest person), the customer service rep. I spoke to was very kind and reassuring. He told me it would be looked into as soon as possible. I then (about a few weeks after) receive a letter from TD stating that the investigation was completed and all fees associated with the transactions would be credited. However, I'm still in the hole almost $60 (stop payment fees and overdraft fees). I have contacted customer support time and time again through their secure message system and I keep getting the same response that nothing can be done.

Desired Settlement: I would just like to be credited all of these fees that I have been charged for these transactions. I haven't used the account out of fear that something would happen. So all of these fees keep accumulating. If my account can be credited $70 and my account ending in 2756 would be closed, I would be very satisfied with that. I honestly like TD bank, I'm just disappointed I had to go this route to come to some kind of resolution.

Business Response: Mr. ********, thank you for allowing us the opportunity to address your concerns.  Though our attempts to contact you have not been successful, we have credited your account the remaining balance of $64.00.  We have also requested that this account be closed.  We apologize for any inconvenience this may have caused and thank you for being a valued customer.

Consumer Response: 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.  Thank you for responding in such a timely manner.  I look forward continuing to do business with T.D. Bank.   Regards, ****** ********

11/6/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I signed up for online bill payment the next day I canceled the payment however the bank did not cancel the payment and sent out the check right after I sent out a payment myself this resulted in numerous overdraft fees I would like to be refunded all the overdraft fees incurred

Desired Settlement: I would like a full refund on all overdraft fees associated with this mistake on the banks fault October 9- overdraft 140.00 October 13-overdraft 105.00 October 14- overdraft 70.00 October 16-overdraft 35.00 And September 22 overdraft there was a an overdraft 175.00 I was only credited back 105.00 I would like the 70 dollars back.

Business Response: Ms. ******, thank you for allowing us the opportunity to address your concerns.  Through our research we see that you issued the bill payment in question on October 4th, the next time you logged onto your online banking was October 8th.  Unfortunately TD Bank was not provided enough notice to cancel this payment and as the pattern of usage is consistent with your history, at this time no fees will be reimbursed due to this not being a bank error.  You are a valued customer, please feel free to reach out if you have additional questions.

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.    Hi I called in customer service to cancel the payment and was told that the transaction would be canceled I only logged in on the 8th to see why my account was overdrawn.  ****** ******    

Business Response: Ms. ******, thank you for allowing us the opportunity to assist with your concerns.  We understand that you spoke with ***** regarding your bill pay issues.  We here at TD hope that the conversation went well and that the $175.00 fee refund helps to reach a satisfactory resolution.  You are a valued customer and we appreciate your business.

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 rejecting because as I stated I would like all the fees associated with the bill payment mistake including overdraft fees occurred for bills that were set up in October that were not paid because of excessive fees occurred  Regards, ****** ******    

11/6/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i had a checking account with td bank that was hacked and lost stolen and used to make fraud transactions and my debit card were lost stolen and used along with my pin, also td bank as been sending my personal account information to a wrong address listed in ****** ** ***** when my address is in **** ** ***** and some how and additional debit card was sent to the wrong address location and now my account has overdraft as a result of td banks neglect and poor customer service and its error in having a wrong address on file. i have disputed this numerous times with td bank and they refuse to correct the issue and resolve the mistake they made and clear my account cease and desist all collections and remove the account from ****************** because of something they did wrong that caused my account to be hacked by someone else.

Desired Settlement: clear account remove from ****************** and cease and desist all collections

Business Response: Mr. ****** thank you for allowing us the opportunity to assist you.  Unfortunately we do not have enough information to fully resolve your complaint and all our attempts to contact you have been unsuccessful.  Please reach out to ******** ******** at ************, 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.  i have not received any information on this matter from td bank Regards, ****** *****  

Business Response: Mr. *****, thank you for allowing us the opportunity to resolve your concerns.  Unfortunately our attempts to contact you have not been successful.  In order to reach a full resolution we would like to speak to you.  Please contact ******** ******** at ************ Monday through Friday between 8:30 am and 5 pm.  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.  i have not received anything information from td bank on his dispute or resolution to clear the account and remove the status from *********** as this is a fraud balance and the address they have filed in ****** ** ***** is invalid and not my correct address. Regards, ****** *****    

11/6/2015 Problems with Product/Service | Complaint Details Unavailable
11/2/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 10/21/2015 I have over $500 in checking. I check my balances all the time. I decide to go out for a late snack. I withdrawal $40 at 12:59am EST. This withdrawal puts me at $466 positive. After I finish my meal I check my balance on my phone. It has me with a negative balance of a little over $100. I had a check come out sometime around d 2am for $585. I figure no big deal I'll go to the bank tomorrow and correct it. I check my balance right before I go and to my surprise it's negative $295 +/-. No other charges or purchases where made that evening. TD Bank charged me $175 in overdraft fees (Daily Maximum) for a check that put me negative only $100. I call the call center and they rebuttalled multiple times until finally they offer me $70 as a "Courtesy". During the call she told me multiple times that I had till the end of business to make a deposit and since I didn't that's why I got charged a fee. If I have $466 in my account after a 1am withdrawal on 10/22 (receipt in hand) and the only thing that came out was a $585 check. Then how do I get 5 overdraft fees. It's predatory that's what it is. She tried saying that my atm withdrawal was part of the problem and (pending charges). These pending charges were deducted from my account the previous days. I can see at the MOST 1 overdraft fee for the check that made my balance negative but 5 is excessive. If the check came out at 2-3am on 10/22 I should have till the end of business today to correct it (Which I will). The lady I talked to said all the pending charges from previous days were included but those where already balanced and deducted from my available balance. She said they do this thing where it's not the time you pull the money but the amount in which you pull the money. Obviously this is done to maximize overdraft fees on there part. She also said that even though the check came out at 3am it posted the day before. I guess TD Bank has some sort of time machine or something. I hope there is a class action lawsuit or something I can join after this horrible ordeal.

Desired Settlement: Fix 4 of the 5 overdrafts or all of them since I am correcting the problem during the same business day.

Business Response: Mr. ******, thank you for allowing us the opportunity to address your concerns.  We understand that Retail Market Manager, ***** ********** has reached out to you to speak about the overdrafts on your account.  We hope you found her explanation of the events leading to the overdraft fees and the refund of $100.00 satisfactory.  Once again thank you for being a valued customer and feel free to reach out should you need further assistance.

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'll accept the refund of $100 dollars and close the case. However the $100 overdraft refund doesn't appear to be showing up in my account yet. The only refund I see it the $70 from the original call to the call center. Once the refund occurs I'll log in and accept the the case as "Resolved". Regards, ******* ******    

11/1/2015 Billing/Collection Issues | Complaint Details Unavailable
10/31/2015 Problems with Product/Service | Complaint Details Unavailable
10/31/2015 Billing/Collection Issues
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10/31/2015 Billing/Collection Issues | Complaint Details Unavailable
10/23/2015 Billing/Collection Issues | Complaint Details Unavailable
10/20/2015 Problems with Product/Service
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10/13/2015 Problems with Product/Service
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10/11/2015 Problems with Product/Service | Complaint Details Unavailable
10/10/2015 Problems with Product/Service
10/9/2015 Billing/Collection Issues | Complaint Details Unavailable
10/7/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: ***** a longtime customer at TD BANK deposited a check for $7,500 from homeowners insurance on 7/1/15 for home repairs due to winter damage to her home at her local TD Bank ATM -- turns out the check was made out not only in *****'s name but also in TD Bank's name because ***** has a $30,000 equity line with this bank. The check never cleared and after calling the bank ***** was charged a fee stating the check did not have funds -- the bank then explained that the check was destroyed by the bank and needed to be mailed to her to bring to the local bank to deposit again so that the bank could sign off on the check. The money never appeared in *****'s account. The local branch stated they did not know anything about how to fix the deposit issue and also that it was tied up because it appeared to be a fraudulent deposit in their eyes. After many calls to TD Customer service and visits to the bank ***** was told that she needed to wait for next steps, the local bank said they did not know what would happen next. About two months into trying to work with TD Bank ***** was told to bring a notarized letter stating how the money will be spent. ***** has exhausted all avenues in resolving this money to gain access to this money. Customer service cannot understand why the local branch could not fix this matter on their own months ago and the local branch says it is out of their control. Meanwhile ***** has begun repairing her home and now wants the bank to apply the money toward her equity line to bring the balance down.

Desired Settlement: DesiredSettlementID: Contact by the Business TD BANK customer service recently reported that she needs to speak with someone named ***** and she should wait for a call from *****. ***** would like ***** or whomever to fix this and apply the money toward her outstanding equity balance. Dealing with TD Bank has been a nightmare -- PLEASE ASSIST. No one seems to follow through on anything and the bureaucratic process keeps building...

Business Response: Please see attachment. Thank you.

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.  TD Bank finally responded but they deposited the check twice... Regards, *** **** ********

10/5/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I made a deposit into a TD ATM in the amount of $1,100.00 which took me going into the branch to get it credited into my account. Then about a week and half later they reversed the deposit I have been calling everyday for an entire week to have the money put back into my account. Each day I'm told that the matter is being expideited and until they get an answer there's nothing that can be done. I'm literally exhausted at this point I'm taking time away from my work day to get this matter resolved. Each and everyone of the Customer Service Reps I speak with "feels really" badly but this is not helpibng my situation they had a problem with their ATM. But my question is you knew that there was a problem with your ATM why didn't you contact your customers who made deposit the day you were experiencing problem and notify them of the issues. In addition shouldn't I have been contactted before you reversed the deposit? So I have spent the entire week on the phone with Customer Service ,visited the branch where I made the deposit with no resolution insight. To make matter worse my direct deposit from my payroll was deposited today and as I result of my account being overdrawn I have no money to pay my bills. So now I will be hit with late charges on my other bills and I'm being told sorry. This is unacceptable I'm a single person who need my money...... In this day and age of modern technology you are telling me this issue could not have been expedited sooner. Who is going to pay all my fees? In all my years of banking I have never endured this kind of behavior from a bank.

Desired Settlement: to have my money credited back into my account ASAP.

Business Response: Thank you, Ms. ********, for allowing us to look into your concerns.  We apologize for the error in our ATM and have corrected the deposit, which is back in your account.  We have also refunded $240.00 in fees which we found to be a direct result of the event.  Please accepted our sincerest apologies and for the inconvenience we have also credited you $25.00.  You are important to us and we value your business.

10/5/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My complaint is regards recent overdraft fees upwards of $350 that were incurred while my account was not overdrawn. When I inquired over the telephone why the charges were there when the account balance stated it was not overdrawn, or why the overdraft fees took place after I had transferred or deposited money in order for the account to NOT be overdrawn, I was told that the TD Bank online checking account/balance register was not reliable, and I would be better off writing everything down myself. The last 2 overdraft fees ($175 each) occurred within 24 hours. The first overdraft fee was withdrawn while my account according to the online balance was above negative. The second overdraft fee was withdrawn because the first overdraft fee caused my account to be in the negative. The standard overdraft fee is $35 per transaction to my knowledge, so this is multiple fees bundled together.

Desired Settlement: Refund of the last 2 overdraft fees of $350 on my account.

Business Response: Thank you, Mr. ******, for allowing us the opportunity to look into your concerns.  We understand that you have had the opportunity to speak with ***** and that the reason for the fees on your account has been explained.  As a courtesy to you, we have refunded $175.00 worth of fees back to you.  We value your business and you are important to us, thank you once again.

10/4/2015 Problems with Product/Service | Complaint Details Unavailable
9/29/2015 Problems with Product/Service | Complaint Details Unavailable
9/29/2015 Billing/Collection Issues | Complaint Details Unavailable
9/27/2015 Problems with Product/Service
9/26/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Made a payment with a check in April in the amount of $75 that cleared my daughter's checking account on April 23rd and has yet to be applied to the loan account or refunded to us. I have called them numerous times just to get the run around and have our bank fax them as well that the check to them cleared and should be credited to the loan account or refunded. I have also emailed them without any reply.

Desired Settlement: overnight a check in the amount of $75

Business Response: Thank you for allowing us the opportunity to help resolve your concerns.  We understand that the check in question was sent to the wrong address.  This missed payment, in the amount of $75.00, has been applied to your account.  We value your business and hope that this resolution meets your satisfaction. 

9/25/2015 Problems with Product/Service | Complaint Details Unavailable
9/23/2015 Problems with Product/Service | Complaint Details Unavailable
9/22/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In july my bill was paid by 2 days late at that time I had occured a late fee. However I had requested to have my acct set up with automatitc payments online. However when I did not receive a normal email confirming my payment I then was advised that my payment was not received. I immediately submitted payment however I was charged a late payment charge. In August I paid my normal monthly bill on time but still was charged a late fee because I did not include the late fee from the previous month. I do not believe that is fair, and if the website was userfriendly there would have never been an issue with making my payment ontime in the first place. I then called into customer serivce and was treated the worst I have ever been treated. It was the worst customer service experience I have ever had. I spoke with a representative ******* who automatically told me that I would not have the fees waived, when I asked for a supervisor she said that it would be a long hold. She had placed me on hold for 10 minutes then came back and said I reviewed the account with my manager and we will not be able to waive the fees. I told her that again I asked to speak to supervisor. She then said it would be a long hold and then all of a sudden I hear music which I did not hear the previous 10 minutes that I was on hold. Just a few short minutes late another person came on the phone who stated they were a supervisor. She said her name was ****** out of ***** ********. She was the rudest most unprofessional person I have ever dealt with. She was well told me as soon as she got on the phone that the fees would not be waived. She then said that she could talk to me any way she wanted. Then she hung up on me. I never once cursed or raised my voice and I am disgusted with the treatment I have experienced.

Desired Settlement: I want my fees waived, and I want an appology letter sent.

Business Response: Ms. ******, thank you for voicing your concerns and allowing us to assist you.  Our attempts to reach you have been unsuccessful and we would like to speak to you to gain a better understanding of the cause of your concerns.  In the interim we have agreed to waive two late fees totaling $60.00.  Please contact ******* ****** at ************ *** ****.  We look forward to speaking with you soon. 

9/22/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had fraud on my bank account; I did not authorized the transaction. They hit me with a lot of fees. They refunded my money and then took it back without notifying me. They will not give me anymore information and everyone I speak to tells me I am sorry there is nothing I can do for you the case is closes They still insist this isn't fraudulent activity when in fact it is. I want my money back! I do not know what this is even for and they won’t give me any information!!! I did not authorize this transaction!!

Desired Settlement: I want all my money back including the fees from the fraud!

Business Response: Thank you for allowing us the opportunity to address your concerns.  Upon further review of your *** E claim and speaking with ******, the credit of $200.00 plus $280.00 in fees has been returned to your account.  We do hope this resolution meets your satisfaction.  You are important to us and we value your business. 

9/22/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: TD Bank, charged $1,354.06 worth of Interest on an account with a 12 Month No Interest. Because I had a mix up with BB*T on the Payment of the Entire Balance. Then called back to Explain that I owed additional Money because the Supervisor i spoke with originally explained I would owe no other payments after paying the $677 1/2 of the Interest that was refunded. The Customer Service Was Terrible and I stayed on Hold each time we spoke for at least 30-40 minutes with No Resolve. NEVER AGAIN Will I have an account with this Retailer ********* **** ***** or TD BANK.

Desired Settlement: I wish to Have the remaining interest in the amount of $677 returned back to me as a Refund. The Balance left on the account unresolved to accumulate interest was $237.45. Instead of Calling me to ensure the payment was made timely to see that I paid $3,000 towards the balance they choose to contact me after the Interest was Applied they called to ensure they received the $237.45.

Business Response: Ms. *******, thank you for allowing us the opportunity to address your concerns.  We understand you have had the opportunity to speak with our credit card team and that your remaining late fees and interest charges have been refunded, totaling $702.06.  You are important to us and we value your business, we do hope this resolution is to your satisfaction.

9/21/2015 Billing/Collection Issues | Complaint Details Unavailable
9/15/2015 Problems with Product/Service
9/15/2015 Billing/Collection Issues
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9/12/2015 Problems with Product/Service | Complaint Details Unavailable
9/11/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: TDB offers alerts for customers in order to provide an accurate balance limit on checking accounts. I called on 8/25/15 and they mentioned that online alerts apparently are not that accurate because they are usually done after the closing business day. My question to them was that I speciafically set up alerts to know right away when by checking account hits the minimum limit so I won't be charged crazy fees. The fees were 170 and they were not willing to refund any money. I spend 1 hr on the phone with **** I finally contacted them agin on the same day because they were going to do an investigation on their end and I was informed that I was going to be refunded 75 only. Very dissapointed to know that a product that the bank offers to customers is not accurate or reliable. On top of it, that Tdb doesn't recognize their mistake overcharging a fee incorrectly

Desired Settlement: Refund the overdraft fee for the whole amount

Business Response: Thank you, *** *****, for allowing us the opportunity to resolve your concerns.  We understand you have talked to ***** ******** ****** ******, who was able to clear up your issues with online banking and refunded $105.00 back to you.  We hope this resolution meets your satisfaction as you are important to us.  We thank you for your business. 

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.  Regards, ******* *****

9/10/2015 Billing/Collection Issues | Complaint Details Unavailable
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9/7/2015 Problems with Product/Service | Complaint Details Unavailable
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8/30/2015 Problems with Product/Service | Complaint Details Unavailable
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8/29/2015 Billing/Collection Issues | Complaint Details Unavailable
8/29/2015 Billing/Collection Issues
8/28/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: TD Bank did not disclose the correct amount on the good faith estimate and changed the amount at closing $1,560.00. The amount was part of the transfer tax which they mistakenly entered the incorrect amount, but as listed on the GFE, that amount can not be changed. I have contacted them to rectify the error and they will not. I have asked for a supervisor and will not be given a contact.

Desired Settlement: My attorney states that the amount should be refunded as it can not be changed once submitted.

Business Response: Thank you for allowing us the opportunity to assist with your concern.  TD Bank will be issuing you a credit of $1,560.00 as we would like to ensure that all of your future banking with us is positive.  We do hope this resolution is satisfactory. 

8/27/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I mailed a money order dated 7/30/15 in the amount of $50.00 to TD Bank and wrote "apply to principal" on this money order. My mortgage payment was already paid for the month of July 2015 and my next payment wasn't due until August 1, 2015 with a grace period up to 8/15/15. I always pay no later than the 15th. On 8/14/15, I received a letter from TD Bank, that stated "Please note that as of 3/1/15, your new mortgage payment amount is $631.80. Please provide an additional payment of $581.80 by 8/16/15. Partial payments may result in your account being past due, therefore, a late fee may be assessed". First, let me say that I found this letter that I received from TD Bank to be rather disturbing, bazar and appalling. Either the person that received my $50.00 money order was illiterate or completely incompetent. The money order that I sent for $50.00 dollars to TD Bank clearly had my name, address, city, state, account number and I wrote ,"apply to principal" to tell them exactly where to apply it. I always do check by phone when I'm making a mortgage payment. This $50.00 principal payment had absolutely nothing to do with my mortgage payment. In fact, I had plenty of time to make a mortgage payment. After receiving this disturbing letter from TD Bank, I immediately contacted them on the phone today 8/14/15, to make a mortgage payment of $631.80 over the phone, as usual, and I questioned who and why I was sent this bazar letter saying that I owe a balance of $581.80 when I owe $631.80 due no later than 8/15/15. Why would a "Loan Servicing Specialist" send me a letter stating that I owe a balance of $581.80 on my mortgage payment when the money order for $50.00 clearly had "apply to principal" written on it. My mortgage payment was separate, had nothing to do with the principal and I had plenty of time to make a payment. So I shouldn't pay on the principal? I was going to make the mortgage payment no later the 15th of the month like I've been doing for the pass 7 1/2 years. This $50.00 money order had nothing to do with the mortgage payment and, furthermore, I am well aware that my mortgage payment is $631.80 effective 3/1/15. This is what I have been paying for the pass several months!!! It is scary to not know who is reviewing and working on my account because this is actually not the first complaint I had to file against TD Bank to correct an on going error they continued to make for more than a year..

Desired Settlement: First, I want a letter stating that the $50.00 money order dated 7/30/15 was applied to the principal!! Second, I would like the TD Bank staff to Stop applying the customers money to where they think it should be, and follow directions and apply the funds where the customer tells you to apply them when indicated. Finally, since I will be paying on the principal in the future, I need to know if I can take future money orders for the principal into a TD Bank branch?

Business Response: Ms. *****, thank you for allowing us the opportunity to assist with your concern.  We apologize for the experience and would like you to know that your payment has been corrected. 

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 # ********. .  Since there seems to be an error issue with TD Bank, I need to know for future reference do I take a principal payment money order into a local TD Bank branch or can I still mail a money order that has "apply to principal" written on it to avoid TD Bank making unnecessary mistakes.  Yes, the error was corrected but they can certainly be avoided in the future when you follow directions.Thanks. Regards, ******* *****  

Business Response: We hope you find the enclosed options helpful, as always we strive to provide the best service possible and sincerely apologize for any past mistakes.  Thank you for allowing us the opportunity to continue to assist you. 

Consumer Response: 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 now no what to do when I want to send a principal payment to TD Bank in the future.    I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, ******* *****

8/25/2015 Billing/Collection Issues | Complaint Details Unavailable
8/25/2015 Billing/Collection Issues | Complaint Details Unavailable
8/22/2015 Problems with Product/Service
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7/20/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Fraud. Was forced to wire $30,000 to: ****** ***** ********** **** ***** ** ***** ***** ***** *****, Acct #************* routing #*********.

Desired Settlement: I am with **** ***. My bank requested within 24 hours the return of my $30,000. TD Bank stonewalled **** and me in person. I went the the branch to seek help, got no help

Business Response: At this time Ms. *********, TD Bank cannot return this wire.  TD Bank is happy to comply with any law enforcement agencies regarding this matter.

7/20/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 06/29/15 my checking account was overdrawn by $2.00 I went to a branch and deposited $4.00 to bring my account to current. This morning, 06/30/15 I checked my account again and was overdrawn by 11.74. So I went and deposited a 12.00 check to bring my account current. Later on in the day, I checked my account to make sure the check was processed, which it was and they had charged me 105.00 in over draft fees, I called and the rep was not helpful, was very rude, and did nothing to help me at all. The way the women had explained is that they post transactions AT END OF BANKING DAY, and it does not get posted till the next morning. If you happen to overdraw, they will charge the next day, even when you paid it back. How can I be charged an overdraft fee for something that was not posted to my account till the next day? This bank is money hungry and don't care at all. Very rude people I had already filed a compliant with the Attorney General explaining this situation and had also recommended an investigation on their unfair overdraft fees. Their overdraft protection is a joke. If you don't have the funds, you can either, have them automatically denied it but you have to pay a $35 charge. Or you can have them pay at their discretion, but they will charge you $35. What kind of protection is that?

Desired Settlement: All I want is the overdraft charges to be returned back to me due to the bank error, and their overdraft policy should be reviewed as they are purposely embezzling from average hardworking people.

Business Response: Thank you for allowing us the opportunity to look into your concerns.  We understand that you have had the opportunity to work with Retail Market Manager **** *********** and she has refunded $210.00 in fees.  We hope that this resolution is to your satisfaction. 

7/20/2015 Billing/Collection Issues | Complaint Details Unavailable
7/20/2015 Problems with Product/Service | Complaint Details Unavailable
7/20/2015 Problems with Product/Service
7/17/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am absolutely disgusted with this bank. They are basically stealing money from their customers that trust them with their finances. I am a customer who gets direct deposit every 2 weeks from my job. I had recently over drafted my account and knew there would be a $35 overdraft fee. Instead I was changed overdraft fees for transactions made 3-4 days back when I actually had the money in my account. Not only did they charge me for when I actually had the money. But they charged me 35$ for every single transaction I made, adding up to almost $400 in over draft fees alone!!! When I called and spoke to customer service about the matter they couldn't really explain why they did it. They just said we charge the largest transactions first and then the smaller ones. Then I asked why would they charge me 35$ on purchases 3 days before I overdrew my account and he said because it was the weekend!! It's sickening to know just how shady this bank can get. What's worse is that I was never informed about these rules and regulations... My bank never warned me of these rules when I made the account. I've had other banks in the past and they all charge 35$ fees for over drawls .., none of them have done anything like this to me. I am being punished more severely than I should. I only over drafted 200$ which should have charged me ONE fee of 35$. Instead they made this insane rule so that they can legally steal my money. My husband and I live pAycheck to pay check just to pay bills and rent. We trust that our banks will be on our side while holding our money.. Instead it feels like we were robbed. This is devastating for us because we wilL have to sacrifice a bill or rent or food just to survive the next month. TD customers have no protection against these criminal like acts with our money. I will be switching back to **** ** *******.. Even if they are not open as much as TD bank. I know my money will be safe there and not taken for any ridiculous reason.

Desired Settlement: i hope that TD bank is decent enough to know that this is wrong and take their bogus fees off my account. My family & friends warned me about their outrageous fees and I didn't listen. No one I know has TD bank accounts and I won't either.

Business Response: Thank you for allowing us the opportunity to look into your concerns.  Unfortunately our attempts to contact you have been unsuccessful  Please feel free to reach out so that we may offer you additional assistance.

7/12/2015 Problems with Product/Service | Complaint Details Unavailable
7/9/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Td accusing me of opening an checking account online which i did not. They charge the account 1 dollars so the acount be over drawn now trying to send me to collections for $37 for an account I never open. The biggest issue is no one trying to take the blame guy in collections name *** was very rude telling me I'm responsible for it no matter what. I strongly believe they committing fraud. I need them to take back they 37 dollar charge and leave me and my credit alone.

Desired Settlement: Stop all collections for $37 and closed that account

Business Response: Thank you for allowing us to address your concern, Mr. ******.  The account in question has been closed and you no longer owe anything to our collections team. 

Consumer Response: 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, ****** ******

7/9/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i transfer money like 11 times from savings to checking online was charged 99.00 called customer service they refunded me 36.00 i want the rest u took from me im very mad the rep at the ********* maine office never told me that td bank does this or any bank for that matter was told its a fedral goverment thing they still owe me 63.00 i want that back i am disabled i have mental retadation i ask the lady at the time of openly if u was any fees i needed to know her words was there nothing i am very maddd

Desired Settlement: i want my 63.00 back u took from me

7/7/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: First of all, I'm disappointed in TD Bank charging me 5 overdraft fees. TD Bank should give me a break. I'm new to TD Bank. TD Bank has refunded 4 overdraft fees. It was explained to me over the phone. I really don't get it. I am struggling financially. I have back rent, car loan and car insurance. My other bills that I have is 4 credit cards and a payday loan. I have to eat and put gas in my car. TD Bank should work with people that are struggling financially. TD Bank is probably worth millions. I'm asking for some compassion. 41.68 was available in my account. I know I spent 16.25. 25.43 is my money that TD Bank took.

Desired Settlement: I'm asking for 27.07 back.

Business Response: Thank you for taking the time to voice your concerns, we are happy to help.  Unfortunately all our attempts to contact you have been unsuccessful. 

7/6/2015 Problems with Product/Service | Complaint Details Unavailable
7/5/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Charging ridiculous overdraft fees. They charged me $280 in fees, even after my direct deposit went in and I x-fered money from my savings account to my checking account. They are crooks and are stealing my money. I live paycheck to paycheck and cannot afford these fees.

Desired Settlement: I want my overdraft fees back

Business Response: We apologize as our attempts to reach you have not been successful.  $280.00 in fees has been refunded to your account.

7/4/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Around or about the first of June I called TD bank telling them that there is this vendor that seems as though they are scam artist and I asked if the bank not allow this vendor to make any charges. the customer service person said that she would make sure that this vendor not place any charges on my checking account. I thought everything was fine but one day I was about to make a deposit and found out that this very same vendor had made a $233.00 from my account. I spoke to TD bank and the proprietor prior to the incident and they both did not tell the truth. TD bank pretends to be nice however when things are not going their way they don't want to be bothered because they find it annoying. They just put the phone down and did not listen. One of the supervisors even said that she was sorry but it is too bad because there was nothing that she could do. Those people are not ready for prime time. They are the worst!

Desired Settlement: I would like my money back that is all I want. "My mother used to say held up without a gun!"

Business Response: Thank you for taking the time to voice your concerns, *** *****.  We understand you had an opportunity to speak with ******* ***** on June 20th.  We apologize for the experience but hope the resolution is to your satisfaction.  Thank you for your loyalty.

7/3/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I cannot fathom how this situation could have been any more mishandled than it already has been. On 6/5/15, I deposited a check in the amount of $2,021.47 into my TD bank checking account. The check is made out to myself, ***** *********, a TD bank account holder, and my wife, ***** *** *******, also a TD bank account holder. A hold was placed on the check, which seemed logical, given that it was a large amount, and I've never deposited a check from the US treasury before. On 6/8/15, at approximately 11am, a portion of the check, $600, was made available to me. At approximately 7pm, that same portion, $600, was taken back out of my account and added back to the check, so I again no longer had access to it. On 6/8/15, I made several phone calls to the customer service department to attempt to resolve this issue. I was told that the issue was that since the check was made out to both my wife and I, it couldn't be deposited into my account or her account, and would need to be deposited into a joint account. We do not have a joint account. On 6/9/15, I went into the branch where I deposited the check to attempt to resolve this issue. I was then told that the check would be MAILED back to me. In summation, I CANNOT DEPOSIT A CHECK, IN MY NAME, TO AN ACCOUNT, ALSO IN MY NAME. Does that make any sense, whatsoever? To make matters worse, I wrote several checks against the deposit I made, including MY RENT CHECK, so TD bank is really causing a terrible situation for me. So now I have to wait for the United States Postal Service to deliver a check from 85th and 3rd (the branch), to where I live, (on 85th and 2nd)? I will ABSOLUTELY NOT PAY any overdraft fees associated with these transactions.

Desired Settlement: I want any and all overdraft fees associated with this issue refunded, AND I WOULD LIKE THEM TO CLEAR THE CHECK WITHOUT MAILING IT BACK TO ME. THIS IS LUDICROUS!

Business Response: We apologize for your experience.  Per your conversation with Store Manager ******** *******, $70.00 has been credited to your account. 

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. It would be helpful if you would reiterate to the business how ABSOLUTELY FUCKING STUPID it is to start to resolve a complaint by addressing the complainant as the wrong gender.  I am *****, a male, I refer to my wife, ***** ***, a female, in the actual complaint.  It's hard to believe they missed that. Regards, ***** *********  

Business Response: Mr. ******** we apologize for your experience.  We have attempted to contact you but have been unsuccessful.   

Consumer Response: 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, ***** *********

7/3/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Before getting my direct deposit on June 5th, the last time I used my TD bank debit card was on May 27th and everything I charged to my account on that day had been debited from my account as soon as my card was swiped then on May 28th something else charged to my account that would put me in the negative but only by a few dollars which I was going to just put the amount plus the overdraft fee in case their was any but then between May 28th and June 1st i was charged 5 overdraft fees for transactions that had already been debited from my account on the 27th when i still had a positive balance. On May 29th I called TD bank after being charged my 3rd and 4th overdraft fee in two days and spoke to a representative who explained that just because it looks like its been taken from my balance doesn't mean it post to the account, which doesn't make any sense because I use my card for the same stuff every week and never have that problem. While on that call the Representative said that she found a "mistake' and was only able to refund me 1 overdraft fee because I was charged in Error and that my account would not be charged any more fees because nothing was processing still. Then on June 1st I was charged 2 more overdraft fees when I didn't have anything processing nor did I use my card for anything I called again and was told that I was charged an overdraft fee for something from May 27th which I have already been charged overdraft fees for on May 28th and May 29th and the representative was extremely rude and tried to make it seem like it was my fault that I was being charged because of their system saying my balance was one thing which when I check my own balance it was not saying the same thing the representative was saying it was then she tried to switch it around and say it was because things did not post right away but they always do when I use my card and the representative did not want to help me and kept placing me on hold in order to stall me and come back with a different excuse every time knowing the bank was wrongfully charging the overdraft fees. This same thing happened to me on May 16th I had charged my card for something that was more than what I had in my account but I deposited a few different checks that would cover what I didn't have plus more and TD bank put a hold on the checks and didn't process them until 3 pr 4days later and then charged me an overdraft fee after everything processed and my account was in good standing and would not refund me for that fee. This in an unfair practice that they use to scam their customers and I feel I should be refunded all my overdraft fees for these dates because TD representatives tell you that you only get charged when you don't have enough money in your account to cover charges which in all these cases I have had the money.

Desired Settlement: Refund of the overdraft fees and them to stop doing this to their customers

Business Response: Mr. *******, we appreciate your feedback and will continue to provide you with the best service possible.  At this time no further fee refunds will be considered as you have been previously educated and continue to choose to remain enrolled in the TD Debit Card Advance program.  This feature allows the debit card to overdraft with the understanding that any overdraft may case a fee.  Please feel free to reach out to our customer service team should you wish to discuss further, ###-###-####.  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.  Regards, ******* *******  

Business Response: Mr. *******, please contact us so that we may speak to you regarding your complaint.  Our attempts to contact you have not been successful.  Thank you.

7/2/2015 Problems with Product/Service | Complaint Details Unavailable
6/25/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I opened a checking account with TD Bank for $100.00. They advertise that $100.00 account balance will not be charged a monthly service fee. After opening the account, the first month I received $16.00 in fee's. There was a paper statement fee of $1.00 which brought my balance to $99.00, which then dropped me below the $100.00 balance. I was then charged $15.00 fee. I called TD Bank to complain, saying I don't want paper statements, they walked me through the website to turn it off. They then reversed the fee's and brought me back to the $100.00 initial balance. I was then told that I would under no circumstance be charged again anymore fee's. Several month's had gone by, I checked my balance and I had a -$25.00 account balance. I began getting charged $15.00 a month even though I had $100.00 balance. The (7) $15.00 fee's brought my account to -$5.00. Then I was charged an overdraft fee of -$20.00 bringing my balance to -$25.00. I again contacted TD Bank and told them it was unfair, they agreed with me. Nobody could understand why I was being charged the $15.00 fee, because the $1.00 monthly paper fee was turned off. I was told to go to a TD Bank branch, I went over the details of my account with an employee. After reviewing my account, she agreed that it was unfair and said she would get the $100.00 credited back. She was only authorized to do $50.00 credit without a manager on staff. She said I would receive a phone call the next day and the funds credited. I never received a phone call back, and my account was only credited the $50.00 bringing my balance to $25.00. I again went to the bank to explain the situation, again they agreed it was totally unfair. They told me they were not authorized to credit back more then (2) months of fee's. They advised me to close the account and file a dispute with TD Bank corporate. I am filing my dispute through the BBB with TD Bank.

Desired Settlement: After reviewing my account, you will clearly see it was unfair banking practices. Every employee agreed with me at TD Bank, but said they don't have the power to override a refund. They suggested I contact corporate for a refund. I am requesting a $75.00 refund.

Business Response: Thank you for voicing your concerns and allowing us to assist you.  We understand that you spoke with ****** ****** and that she will be issuing a check to you in the amount of $75.00.  We hope this helps to resolve the issue to your satisfaction. 

Consumer Response: 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, ***** *******

6/24/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Dear Better Business Bureau: It was never my intention to file this complaint. TD Bank has given me no choice but to escalate this matter. I made a sincere effort to resolve this matter directly with their company, but they failed to resolve the matter to my satisfaction. I would also like to point out that legal action is pending. I have not filed a lawsuit as of June 11, and I will refrain from doing so until this complaint meets an end. Whether or not I take TD Bank to court depends entirely on their response to this complaint. TD Bank reneged on a verbal agreement they made with me last year. I have recorded phone conversations proving that. New Jersey is a one-party consent state, and the two women I spoke with work in NJ, so the recordings are legal and admissible. Last year in June, I spoke with two employees of TD Bank: **** *******, store manager at the **** ***** ****** ****** branch in *****, NJ; and ***** *****, retail market manager for TD Bank in ***** ******, NJ. **** can be reached at ###-###-####, and ***** at ###-###-####. I had phone conversations with both women last year, in June and July. **** called me on June 26, June 27, July 23, and July 25. ***** called two times on June 30 and July 25. These calls occurred in 2014. My July 25, 2014 phone conversation with **** was recorded. In that conversation she said TD Bank had removed the two ChexSystems entries. She said my file was cleared and that I could stop by or apply online for new accounts. ***** called me about an hour after **** on July 25 to follow up. She told me that the two accounts reported by TD Bank to ChexSystems in 2011 had been deleted. You can hear these admissions clear as day on the phone recordings. That is why I assumed everything was resolved on July 25. I trusted that what they told me was accurate and I didn't pull my ChexSystems file to very their claims. I also didn't apply for any new accounts in 2014. I was planning on opening some accounts in June, so I requested my ChexSystems report on April 28, 2015. I received it about a week later and I was shocked to see the two ChexSystems entries still showing. Nothing had changed on my ChexSystems report. I emailed the Chairman's Service Center on May 4, 2015, and again on May 8, 2015, with my concerns. I then received a letter in the mail from TD Bank on May 22, 2015. It was from a man named ***** ***** in their recovery department. He said they will not remove the old accounts from ChexSystems. He also included a copy of a letter dated June 27, 2014. It was sent by a man named ***** ****** in the recovery department. The problem is that it was sent to a PO Box that does not belong to me. I never received it, or any correspondence from TD Bank until receiving *****'s letter on May 22, 2015. TD Bank mailed sensitive information about me to a complete stranger. To make matters worse, my identity was stolen just a few weeks after the June 27, 2014 letter was mailed. I believe TD Bank is to blame for my identity being stolen. There was evidence to suggest it was stolen in the vicinity of the post office, but I didn't connect the dots until receiving *****'s letter. I had no idea until just weeks ago that TD Bank mailed a confidential letter to a PO Box. TD Bank is also reporting someone else's account information in my Early Warning Services file. They are reporting my name, address, and social security number, but with another customer's account information. The account number being reported was never mine. That is concerning to say the least, especially after they sent sensitive information to an unknown PO Box. My desired outcome is simple: I want TD Bank to remove the two accounts from ChexSystems, as well as the erroneous entry from my Early Warning Services file. I sincerely want to do business with TD Bank. In spite of the issues, their account offerings are better than their competitors. I want to open a TD Relationship checking account, a TD Relationship savings account, a TD First Class **** Signature credit card, and a TD Connect reloadable card. I would be keeping at least $20,000 in the checking account, and $10,000 in the savings account at all times to waive the minimum daily balance requirement. Your company is making it difficult for me to do that. With the two items being reported to ChexSystems, I have no way of knowing if my accounts would be approved, or if they would be opened only to be closed at a later time. There is no certainty and I need some assurance from TD Bank. It is my sincere hope that TD Bank can resolve this matter to my satisfaction. If they can then I will consider this matter fully resolved. We can then move forward as if none of this ever happened. You can reach me to discuss this matter at ###-###-####. Thanks for your prompt response. Sincerely, ******* ******

Desired Settlement: I want TD Bank to honor the verbal agreement they made with me last year. I want them to remove the two ChexSystems entries, as well as the erroneous Early Warning Services entry.

Business Response: Thank you for your patience, we are working on resolving your complaint but more time is needed.  We apologize. 

Consumer Response: 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, ******* ******

6/22/2015 Billing/Collection Issues | Complaint Details Unavailable
6/21/2015 Problems with Product/Service | Complaint Details Unavailable
6/20/2015 Billing/Collection Issues | Complaint Details Unavailable
6/18/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On May 30, 2015 which was on Saturday, ****** ***** used to charge us $515.84 by mistake and representative voided it immediately on same day. They charged $15.84 correctly. I just found out that recently TD bank charges us Overdraft fees for $105 dollar on June 2 (Tuesday), $70.00 on June 3 (Wednesday) and $35.00 (June 4). The total overdraft fees were $210. My husband went to the TD Bank and they said that we had to contact ****** to pay us back what they owed us $210.00. We went there at ****** and showed the receipts to them and called them but never received the call. I contacted TD bank thru email and they told me to contact merchant. I told them it was not our fault and ****** charged it by mistake. They refused to refund all overdraft fees even though ****** solved the problem. This morning they kept telling me to contact merchant and refunded $35 to us. TD Bank did not help me to solve the problem. I am very sad because I lost $175 to the bank.

Desired Settlement: I want $175 back so I can pay the bills. **** *********

Business Response: Upon review of your account, $175.00 in fees has been refunded.  Thank you for allowing us to assist you in this matter.

Consumer Response: 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, **** *********

6/18/2015 Problems with Product/Service | Complaint Details Unavailable
6/16/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: We knew we were overdrawn in on four accounts. And we were trying to get the overdraft taken care of. We stopped at a local TD Back to inquire on a timeframe before there would be repurcussions. We were told by the bank manager that we would receive a letter and in this letter we would have twenty days to pay it back or it would go to collection. ok we had a plan. We received the letter onMay 26, 2015. Well I thought the timeframe of twenty days has begun. Well on May 27th every dime in every account was taken. In fact none account that was NOT overdrawn they over drew us. I called and spoke with ******* to try to get this fixed by explaining what the bank manager told us that we had 19 days left an she informed they can offset my accounts?! Just go in and take what they can. They took it all including my sons money. I asked for the funds to be reversed and reinstated and granted the 19 days as pr the letter we received and was told she did not have the authority and we received bad information. Bad information?! Thats the explaniation for taking every dime we had?! So i was transferred to ***** in recovery. Again i was told the same thing. and regarding the overdraft the the bank created, cal in and explain it and maybe i can recover some of the funds. SERIOUSLY! and this is legal and ok? No fore warning no letter? I was told I would have a timeframe and they took away the opions that wee provided to me. i among at the banks mercy because we haven cash on hand r credit cards to fall back on. Oh and they can take my direct deposit. Something needs done!

Desired Settlement: I want any and all overdraft fees refunded and a apology. Also, when people are signing up for an account this fact needs to be made to the individuals and not the assumption that they know the difference between the off set and the letter that is sent. Also additional training to your employees and how what the rules are that this back adheres to and not what they pick and choose

Business Response:

Please see attachment.

Thank you.

6/16/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: October/ November 2014- I incurred overdraft fees on my account. The bank would return a payment due to insufficent funds on one day/ charge a fee and then the next day approve the payment and charge an additional overdraft fee. This continued for serveral months. This caused large financial issue with my checking account. To the tune of having been assessed from October 2014 to present an astronomical amount of fees all to which have been paid. I have attempted serveral times to speak with the bank about the fee assessment and have someone from the branch contact me. I was advised that someone would contact, I would get a telephoen call, would return the call and leave a message on their machine and receive no call back. The merchant in the past has done several things that indicate questionable business practices. For example during all of the fee assessments,there was an attempt for a merchant: ******, they were trying to collect on a late return of movies or no return. This merchant does get preauthorization with the initial rental. So when the movie is returned late or not at all they will go back into the credit card account used to rent to collect payment. I have recorded proof of a balance that was owed that the merchant attempted to withdraw all of the fees I did not have enough. Ultimately, I only had a smaller amount n my checking account. The merchant miracously authorized the exact dollar amount. Then on the date of my deposit they come back into my account for the difference. I never contacted the merchant regarding the with draw or the authorization of a specific amount to resolve a balance. THey are doing unfair business practices and certain illegal

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like half of the total amount of overdraft fees returned to my checking account immediately.

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 bank has not addressed my concerns, or specifications of anything that I have addressed.  I also advised of a secondary contact number which is my employer to which the bank did not use.  Unfortunately my cell phone was broken and I had to wait for a replacement.  I was not able to retrieve my calls or messages during that time.   I just received my cellphone back today.  I reject their response because it is a generic letter that does not speak to how they practice their business, gave away my account balance information to another bank for charging and how they would reject a payment one day and accept it the next and assess me double fees for the approval and decline of a payment.   They have not truly looked into my account at all they have just sent out a form letter in hopes to resolve the complaint.   I want them to truly look at the fairness in their business practices and how my account was assessed over 2k in fees in less than 6 months to which have all been paid, and they can consider the removal of nothing more than $100.00. Regards, ****** ********* *****    

Business Response: Good Day.   Regional Market Manager ***** **** has made attempts to contact you the week of June 1, 2015 on both phones that you provided. He left a voicemail with his contact information. ***** also emailed you on June 4, 2015 to the email you provided. Attached above is the original letter you received with ***** ****'s contact information. Please contact him at your earliest convenience to discuss your account.   Thank you.    ******* ** ******** * ******** ******** ********** ******* ****** ** ***** ********* **** ********** **** *    

6/16/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have been with TD Bank for a few years and I have had this problem more than once. The overdraft protection has helped me out when I was in adverse circumstances, but the online statements never reflect what the bank can actually see to process transactions which in the long run makes them billions of dollars. I recently called the 800 number to speak to someone about overdraft fees which in an online statement reflected that I had enough funds available to cover the transaction until they added overdraft fees for the same transactions. then they show the details for the overdraft fee, showing the same 2 transactions that my statement showed was covered with a positive balance as the total opposite. The bank shows a totally different process of transactions in their system, which they call live transactions but on paper or online statements that the account holder gets don't reflect what the bank actually has. This leads me to believe that is false reporting to the account holders of accurate banking information, and with false reporting to account holders leads to a gray area that anyone could fraudulently do things to accounts and make it look legitimate. This should be seriously looked into because I have lost a lot of money in overdraft fees in the past and statements were always conflicting with what the bank had live. I had 2 transactions that totaled like $35 and after both transactions I still had a balance of $35, but the bank charged me $70 for overdraft fees which by my statement put me at a negative balance. They show it totally different on the details for the overdraft fee. This only happens when money is at the lowest amount in the account. account holders need transparency this conflicting reports are not acceptable.

Desired Settlement: I want the bank to show in statements actual transactions as they see them live to legitimately charge for overdraft fees. This would eliminate a lot of questionable transactions that they always indicate as over drawn. If my statement shows transactions had positive balances after they came in I should not be charged overdraft fees. I would like to have all my transactions of overdrafts in the past year reviewed and compared to what the actual statements report and any discrepancies be refunded. If my statement reflects items that had a positive balance after taken out but then overdrafts were charged for the same transactions those fees should be refunded.

Business Response:

Please see attachment.

Thank you.

6/14/2015 Billing/Collection Issues | Complaint Details Unavailable
6/14/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: today I went to cash a check for fifty dollars written on a TD bank check. the teller told me that for the last THREE years TD bank had charged anyone without an account with TD bank but cashing a TD bank check SEVEN dollars for service charge.Please note that a check is similar to cash. the owner of the check did not want to carry cash so that person wrote me a check so I can be paid the fifty dollars. that is the way with any other bank like bank of America, PNC bank situated on the same Lincoln why in Edison. TD bank wanted to rob me of SEVEN dollars and rob the account holder of a monthly service charges also.This outrageous practice had to stop ASAP.

Desired Settlement: the bank to rid of this illegal practice.

Business Response:

Please see attachment.


Thank you

6/12/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: TD Bank has continued to charge me an exuberant amount of overdraft fees each month since I've become a customer. I would like to leave this bank and go to another however, each time I get paid I'm paying back the money they paid on my behalf to creditors in addition to the excessive amount of overdraft fees. They currently have a class action suit against them for unethical business practices and taking advantage of their customers in the way they have. I am supposed to get paid this week have rent and other bills do and now I owe TD Bank over $900!!! $350+ in over draft fees and the money they paid on my behalf. I spoke with a very nice customer service representative just now and he even agreed he'd be calling them livid the way I just did however, he stated he could do nothing for me as it was part of the over draft service. When I signed up for overdraft service they did not state they were going to pay all these over draft fees and then I'd be out of more than half my check every pay period and it's an endless horrific cycle because I am left without enough funds to pay may bills and open another account elsewhere. Please help me!

Desired Settlement: I would like to be reimbursed for the excessive amount of over draft fees they've charged me. I am relying on BBB's good reputation that I will be assisted with this matter and TD Bank will do the right thing by their customers and not take advantage as they have been. They have made a business out of taking money from manyof their customers who do not have it and charging an excessive amount of over draft fees.

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 believe these overdraft fees are quite excessive and TD Bank is taking full advantage of their customers. They politely offer this overdraft account to help those who may need help and then take advantage by charging overdraft fees every opportunity they get leaving their customers such as myself with no money to pay rent, get food or pay bills. Right now I had a little over $400 for the next 2 weeks thanks to TD and their crazy overdraft charges. They refuse to credit me any and are in the midst of a class action suit because of it. Please see link below.I need immediate funds deposited back into my account. I am requesting at the very least half of all overdraft fees charged since I've opened this account so that I can pay my rent, bills and get food. I am in a critical position right now and TD is not doing anything to resolve this matter in a manner to which I as a customer am satisfied. I would greatly appreciate BBB's assistance regarding this matter. Please see below links regarding how TD continues to take advantage of their customers and has a class action suit by very disappointed customers.********************************************************************************************************************************************************************************************************************************************************************************************************************* Regards, ******** *****  

Business Response: Good Day. After further review of your account, our response remains unchanged. I have attached the original letter that was sent to you with our processing policies, how transactions post to the account, and a reconstruction of your account activity explaining why you were charged overdraft fees. Thank you.   ******* ** ******** | Customer Advocate Chairman's Service Center TD Bank, America's Most Convenient Bank ®

Consumer Response: I stand by my previous position as well and request TD bank reimburse me half of all overdraft charges as i feel their overdraft fees are in excess and take advantage of customers such as Myself who wind up in an endless cylce of payi g overdraft fees in addition to funds TD bank puts out for its customers making it difficult to catch up on bills and upon receipt of direct deposit very low balance every pay period.In addition, TD is currently in the midst of a class action suit for this same reason despite their stance that they are transparent many of their customers who are constantly broke would beg to differ . I have previously provided links for the information pertaining to the class action suit against TD bank for its excessive overdraft fees.Thank you and I look forward to hearing from you with hopefully a favorable response as to the outcome of this unfortunate matter.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.   Regards, ******** *****  

6/12/2015 Billing/Collection Issues | Complaint Details Unavailable
6/9/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Entered bank 5/12/2015 to request mortgage pre-qualification letter. Spoke with ***** and asked several times if this request would perform a hard credit inquiry, as I did not wish to proceed if it did. She stated it would perform a soft credit inquiry, not a hard credit inquiry, and would therefore not be detrimental to my credit. She also asked other employees of the bank while I was there to confirm this information. Upon completion of the process, I reviewed my credit reports and found all three bureaus showed a hard credit inquiry on 5/12/2015 from the bank. I immediately contacted ***** and she stated she would check into it. I heard no response. On 5/19/2015 I contact the bank again and spoke with assistant manager ******* whom informed me that she contacted the mortgage department, and the branch was improperly educated and that their pre-qualifications would perform a hard inquiry. I asked that the inquiry be removed. I have yet to receive any response from the bank. I also contacted the credit bureaus directly to dispute the information, and they stated there is nothing they can do to dispute an inquiry.

Desired Settlement: Removal of hard credit inquiry from all three credit bureaus.

Business Response: Please see attachment.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.  1. At the time of this response, I have yet to receive the letter promised stating that the credit inquiry was an error on the part of the bank. 2. At the time of this response, the inquiries performed by the bank are still present in all three credit bureaus' files.3. Beyond the initial inquiry, a denial of credit was recorded by the bank when no credit was requested. The service requested was a pre-qualification letter for a mortgage, not a full application for a mortgage.An appropriate timeline should be provided as to when these issues will be resolved. Regards, ****** *******

Business Response: Please see attachment.Thank you

Consumer Response: 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. Personnel from the bank quickly addressed concerns and are currently in the process of correcting the issue. Regards, ****** *******

6/7/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The bank reordered sequence of charges so that although it appeared online tat fundss were available they immediately and within a few days hit me with 8 overdraft charges. On 4/11 my online statement shows $172.63 positive and the next day they hit me with 5 overdraft fees of $175!! sending the account negative . 3 other charges over the next two days totaling only about $80 resulted in another $105 in overdraft fees. Total over 3 days $280 in fees. They sequence on the first bank day of teh week credits AFTER they apply overdraft fees and they sequence the charges largest first to maximize the number of charges. They should be precessing credits clearing BEFORE and overdraft fees last within a bank day. What is more when I opened the account they have you sign a form for these fee BUT they call it by some other name such as "extended credit." The do not call it overdraft fees when you sign for the account but on the online statement and notices THEN they call it overdraft fees and as such they obscure what you are really signing

Desired Settlement: RETURN ALL overdraft fees from 5/11 forward and close the account

Business Response: please see attachment.Thank you.

6/6/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: To Whom it May Concern; I've been banking with TD Bank for over ten years when it used to be Commerce bank. After my most recent experience I may never do my banking here again. I assure you they are not America's most convenient bank anymore. They have lost all their integrity by my observation. So my issue is with the store manager **** ****** and the way he degraded me after TD is trying to steal two-hundred and ten dollars from me. On May 9th 2015 and May 10th I made charges on my debit card. It showed my available balance as having positive funds in my account. When I make a charge I would check my balance and it would show the charge being deducted from my account. This is a nice feature of the TD Bank application so I thought. Monday May 11th while I was at work during my break I checked my balance and it showed I incurred 5 overdraft fees ($175). Then Tuesday May 12th I check my balance and it showed I incurred 3 more overdraft fees ($105). This is a total of two hundred and eighty dollars. I called there online banking phone number on May 14th and the woman over the phone was polite and stated she could refund seventy dollars and if I wanted any additional refunds I'd have to go to a TD Bank location and speak with a manager. No problem so I thought. So I went to TD Bank in Orlando and requested to speak with the manager who wasn't in that day. I got his business card and called him on May 15th. When **** answered his phone he said "I'm with a client, can I call you back at this number." Sure, "I said." About 45 minutes later **** did call me back. I explained my whole issue to **** and the way I was spoken too was entirely unprofessional. (Out of space to type). He stated "I can't help you. Your incompetence is your own doing."TD Bank is robbing me of $210 now (The money was available before the charges were made). **** degraded me and did not want to help me because "I'm incompetent" as he put it. He said more, but I have limited space. This is a TD Bank error.... Product_Or_Service: N/A Order_Number: N/A Account_Number: N/A

Desired Settlement: DesiredSettlementID: Refund I would like my $210 dollars refunded back that TD stole from me. They stole $280 from me and gave $70 back. This is still unacceptable. It is not okay that the place I do my financing with steals $210 from me. I'm a hard working American citizen and the way **** ****** put me down is low. He put me down after TD stole money from me. How convenient is that of TD? Maybe that's why they say, "America's most convenient bank." Convenient of TD to rob people of their hard

Business Response: Please see attachment.Thank you

6/6/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I understood that I was signing up for their simple checking with no monthly fee however I didn't realize I was signed up for convenience checking. I check and I'm $48.00 overdrawn for 2 $15.00 charges and a 20 overdraft because of one of them I called and they said they would not shut off the account until it was paid in full

Desired Settlement: Whatever the reason for the different account I just want the fees removed and the account closed

Business Response: Please see attachment.Thank you

Consumer Response: 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, **** **********

6/5/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On Tuesday May 26th i was alerted by TD Bank that my account is in overdraft status. I immediately called their customer service to find out why. They told me that some of the transactions i made over the weekend showed as posted but did not process due to the memorial day holiday. The customer service rep then told me that i need to make a deposit soon or else i will be charged an overdraft fee for every transaction. I asked her if she can calculate my transaction to make sure its not a mistake to which she said no i have to calculate the transactions myself. The next morning around 10am i went into the bank branch and deposited into the account $60 and asked the teller if there is any more pending transactions that is expected to post, she assured me that all transactions were already posted. Then the teller gave me a receipt showing a positive balance of.24 cents. 10 minutes later i received an alert from Mint telling me that my account is no longer in overdraft status. The next morning i looked at my bank balance and say that my account is in overdraft status $175 dollars. I called TD Bank to ask why and they told me that even though I settled the account they are still charging me $175. After i spoke to a supervisor i was told they will refund me $35 dollars but they will keep the $60 dollars i paid the day before. Bringing my charge to $200 for a $50 overdraft which i paid the day before.

Desired Settlement: I would like a refund of $140 whuch will be the balance after they refund the $35 dollars.

Business Response: Please see attachment.Thank you

Consumer Response: 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, ***** *******

6/4/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: TD Bank charged my Checking Account with three Overdraft fees on the same day, May 22, 2015!! First and foremost, I have let these go before, but I DID NOT buy the items (*********, ***** *****, and ****** ******) on the 22nd of May!! I used my debit/bank card a week before!! This is very, very UNFAIR practice. When they did this to me in the past, I didn't so anything about it, but this time, this really needs to be addressed!! To be charged with THREE OVERDRAFT FEES ON THE SAME DAY, EVEN WHEN I DIDN'T BUY THE ITEMS (ALL BELOW $5.00) IS UNFAIR PRACTICE BY A BANK!! I expect them to charge my debit card on the day I charge for my coffee or donut!! This has always been with all of my other debit/credit cards!! These are not Pending Transactions. They are taking money from someone who doesn't have money at all?! This must be corrected. I am asking you to help me get my $35.00 X three back, please. I remember when TMobile made a mistake and charged my Checking Account twice for my phone bill, a few months ago, I had overdraft fees, on top of overdraft fees, on top of overdraft fees. I went to the Bank, spoke to a certain ********, who I also spoke to on the phone about this present problem. She was not helpful at all. She said I was supposed to have money in the bank, even after using my debit card for about 3-4 days?! That is questionable?! Yes, I have had overdraft fees. And I don't complain when it's my doing, but not these!! Thank you for your time.***** * *******

Desired Settlement: Three Overdraft Fees back in my Checking Account. Thank you.

Business Response:

Please see attachment.

Thank you.

Consumer Response:
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, BUT TD Bank's practice of charging overdraft fees days after items are purchased via the Customer's debit card and not on THE DAY THE ITEMS WERE PURCHASED, is unfair practice!!  And I will never accept this!!



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

6/4/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I went in the branch on 05/12/15 and deposited a check in my checking account that was open I know I was in a negotiated at the time of deposit by 5 pm the same day they closed my account I called and went in the branch the next day when I couldn't see my account on line I called all people involved and still don't know where my money is the law firm that issue the check call me 5/13/15 and said check cleared did I get my money yet and I told them know now they a long with me want to know why they haven't release the remaining balance which is over $ 7000.00 as of 5/14/15.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I just want my remaining balance as soon as possible .

Business Response: We apologize for your experience Ms. *****.  We understand that you have had the opportunity to speak with Regional Market Manager ***** **** and that you now have access to your money.  We will use this opportunity to coach our staff on expectation setting and hope that this resolution meets your satisfaction.  We appreciate your business. 

6/2/2015 Billing/Collection Issues | Complaint Details Unavailable
6/2/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: An ****** 99cent song was purchased in April and they just took the 99cents out of the account on 5/12 without any authorization of this date. I was charged a $35.00 overdraft fee for a 99cent item! that's like charging me $35.00 for a candy bar. That is Robbery. I called the customer service department whom totally agreed with me but stated that she could not remove the charge. I had my bank info compromised and had several overdrafts months back because unauthorized charges went thru, so now your holding that against me when that was out of my control. So you credit me the last time for my info being compromised and now your done..i can no longer get your assistance. I cannot believe you would have the nerve to treat people this way. A $35.00 overdraft on 99 CENTS. I will be filing an additional complaint if this is not resolved. People deserve to know who they are trusting there money with. I'm strongly considering changing Banks this is the second awful encounter with TD. i work in a hospital whom banks with TD and when they heard of this they are ready to change banks as well. No one wants to have to deal with issues like this and cant believe you get away with this. I handle the deposits at my job and am willing to change everything over which i have been approved to do. I have overdraft protection for a reason but on 99Cents...im livid and so disappointed in TD Bank

Desired Settlement: i want a $35.00 overdraft refunded to my account on this 99 Cent purchase. Do you think anyone would make a 99cent purchase knowing it would cost $35.99 nothing worth 99Cents is worth paying a $35.00 FEE on!! Lets be realistic

Business Response: Please see attachment Thank you

5/31/2015 Problems with Product/Service | Complaint Details Unavailable
5/31/2015 Problems with Product/Service | Complaint Details Unavailable
5/31/2015 Problems with Product/Service | Complaint Details Unavailable
5/24/2015 Billing/Collection Issues | Complaint Details Unavailable
5/24/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: see Attached document
Click Here to Get the File
https://odrcomplaint.bbb.org/bureaus/files/complaints********Fouli.pdf

Desired Settlement: see Attached document

Business Response:

Please see attachement.


Thank you!

5/23/2015 Problems with Product/Service | Complaint Details Unavailable
5/23/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I applied for the TD Cash Rewards Credit Card in Mar 2015 via an online website at TD Bank dot com. The signup offer for the credit card is Spending $500 within first 90 days, get $200 Cash Back. When I got the card and called to activate it, I confirmed with customer service representative that the offer is exactly the same as mentioned above - get $200 Cash Back after spending $500 within 90 days. I double confirmed with them because there was an incidence when I applied for their TD Easy Reward Card last year. The offer I applied for online is again offering $200 Easy Rewards points after certain spending requirements. However, when I got the card and asked to confirm, they reneged and told me it is only $100 equivalent bonus points. I had to use the BBB Complaint at the end and their executive office replied with an apology that there was something wrong with their system and they will honor the $200 Easy Rewards points offer - I applied for. Today, the same issue is taking place again which is really really disappointing. I called customer service to ask about when the $200 Cash Rewards will be deposited into my account. Their US based customer service representative and her supervisor (named *****) told me my account was only linked to the $100 Cash Rewards offer. I cannot even imagine the same issue is taking place again in another 6 months.

Desired Settlement: I would like the executive office of TD Bank to investigate why I was again denied the offer I applied for and that offer was actually confirmed when I activated the TD Cash Reward Card. I would also like to learn from TD Bank why the same issue takes place again on the same customer within 6 months. Last but not the least, I ask for a $100 statement credit on this credit card account (ending in ****) to compensate all the inconvenience this caused, especially considering this is the second time in a roll.

Business Response: Please see attachment Thank you

5/21/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: TD BANK NOT PROCESSING DISPUTE CLAIMS AND DENYING CLAIMS WITHOUT A VALID REASON TO CUSTOMERS. I have been asked to send a letter disputing a charge from ****** FL for $33.04 on 5/4/2015. I did not authorize this transaction or signed any receipts. I can say I was at such place and have been there before but this transaction was not made by me. I put my card down for purchases but did not purchase anything. Please credit account ASAP. A concern I have is that I was never notified of denial of dispute. If I would not called today then this dispute would have never been resolved. I was told the reason it was denied it was because “I did not provide any documentation”. Also I never received any paperwork in the mail. Well there is nothing to provide since I did not sign any receipts. You guys can’t just go around denying customers claims and thinking nobody will call back and in this particular case deny it on a basis that it needs documentation from me. What happens if the customer does not have any documents you just deny the claim it sounds wrong!!! Somebody is not doing his or her job correctly and this needs further investigation. How about calling the merchant and asking them for signed receipts!!! Why don’t you do that? I did not do any pin confirmation either. Talk to the person who did the dispute and I think this is the person that needs to be looked at. I don’t’ think this person is doing his/her job properly. Maybe is time to let this person go because is causing customers accounts to be closed. I want my credit on my account. If I don’t get a credit I will close it and further complaint to the BBB, ***, and CFPB and let them investigate your practices and maybe they will find out you are not following proper rules. I will raise hell if I believe you are not handling my account correctly. I will make sure somebody is accountable. You are messing with the wrong person when it comes to my account. Sincerely, ***** ******

Desired Settlement: Credit my account of $33.04 to my checking account or i will close account and change banks.

Business Response:

Mr. Aragon, we apologize for your experience.  A temporary credit has been given to your account until the dispute you filled has been completed. 

Consumer Response: 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,

***** ******

5/21/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Td Bank Credit card services called me to set up a date in which they could take a payment out of my teachers federal credit union checking account and process it as my Payment due for the month of April. I spoke with there representative and Clearly set the date for them to take the money out of my account as April 30th 2015 because that was the date that I got paid. There rep instead took the payment for that same day, April 24th 2015 which cause me to Have insufficient money in my account fees from my Bank, Causing my bank to put my Checking account on a freeze. Which then resulted it me not being able to make a series of other payments to other loans and credit cards causing me a total of 105.00 in Fines and late fees , While also not allowing me to make this months payment for my TD bank credit card. I called Td bank to complain and they verified through a recorded phone call that I did ask for the 30th and that they did make a mistake, but I have YET to be presented with a resolution, they have actually called me 5-10x regarding my now LATE payment for TD bank which was caused by there unauthorized withdrawal from my checking account. and they have also now charged me LATE fee's for that payment while still NOT getting back to me on a resolution for this entire fiasco that they created. I want my payment for that month waived and my Fee and Interest for that month credited back to me. We are now going on ALMOST 2 weeks that I have had to pay the fines and fees that they created and all I get told when I call that credit card for a resolution is that a supervisor who is very busy will get back to me and no one ever does, but they still continue to call me and send me letters home regarding my "late payment" . I have never experienced such bad customer service and treatment in my life

Desired Settlement: A credit of my Payment for 91$ that was due this month and a waiving of any late fees and interested accrued on my account for April and May. BECAUSE I had scheduled my payment to come out on right date and this all would have been resolved but through there mistake and there lack of caring about that mistake I am on this website today 2 weeks later asking for help. FYI I have called TD bank card customer service over 5x in the last 2 weeks.

Business Response:

Please see attachment.


Thank you.

Consumer Response: 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, ****** ******

5/21/2015 Billing/Collection Issues | Complaint Details Unavailable
5/20/2015 Problems with Product/Service | Complaint Details Unavailable
5/19/2015 Problems with Product/Service | Complaint Details Unavailable
5/16/2015 Advertising/Sales Issues | Complaint Details Unavailable
5/15/2015 Problems with Product/Service | Complaint Details Unavailable
5/12/2015 Problems with Product/Service | Complaint Details Unavailable
5/11/2015 Billing/Collection Issues | Complaint Details Unavailable
5/10/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: This complaint is about the TD Easy Rewards (5%) card which I applied for late last year. TD’s own marketing and online material tells users the card offers 5% cash back at grocery stores, among other categories, for the first six months.  While using the card, I quickly realized that stores traditionally not thought of as purely grocery stores such as ****** and ******* had their transactions posted as “grocery stores” and thus earning 5% back. Using this card allowed me to make a large percentage of my transactions, and proportion of daily spending, in a 5% cash back category. Beginning in February 2015, TD started repeatedly declined and holding up my transactions for review. Payments from my TD checking account were put on hold for days on end, limiting my use of the card. After calling customer service multiple times, representatives told me that that my account was put on hold pending fraud reviews. While some holds lasted a week or two, the final “review” on my account lasted well over a month. During all this time, I had enough available credit on my account to make any of the purchases I wished to make, and even had a positive balance. Half way through March, with a credit on my account, I tried to close the account. The credit card would not be any good to me if I could not make purchases on it for weeks at a time while my account was in review. I was told repeatedly by account reps and supervisors that my account could not be closed while it was in review (my account had a positive credit because of rewards I had redeemed at this time). In early April, I received a letter explaining that I had “unusual and/or excessive purchases and/or payment transactions” and my account had subsequently been closed. No one at TD could explain how what I had done constituted those terms. Rather I believe TD saw that it was losing money off me because I had discovered that (due to ******* and ****** earning 5% in cash back, where I made purchases) that I had been an unprofitable customer. In response, they prevented me from using my card (declining purchases) and eventually closed my account, because they did not wish to follow the terms and conditions originally agreed too. It is worth noting ******* and ****** are huge and offer almost anything I could need to purchase making it justifiable that a large amount of money could easily be spent there. Therefore, TD is performing a bait & switch, holding my money and credit limit (and sometimes the payment credits on my account) hostage while they conduct their reviews. Declining my legitimate purchases represents an unlawful action where the company involved doesn’t provide limits on a service some people might use more regularly then initially designed. TD offers a 5% rebate incentive to use their product at certain stores, however, when people actually use the card, TD hides behind fake fraud claims and blocks entire use of the card. Until TD fully discloses any changes to its credit card terms and conditions on the use of the card and any limits involving its rewards categories, then they have no right or reason to block or restrict my legitimate use of the card. TD is only limiting my card usage because they perceived me as spending an ‘unusually large’ amount of money in a bonus category and do not wish to honor the 5% cash back offer they extended to me. This ordeal, through no fault of my own, has put a derogatory note on my credit reports, showing that one of my accounts was “closed by issuer.” This message reflects negatively on my credit report and could cost me in future transactions I under take with other financial institutions. Most importantly, I would like this note to be removed. Second, I would like compensation for the fact that applying for the card causes a “hard pull” on my credit report or a reinstatement of my account with added time to make up for the six months of 5% cash back I have not received.

Desired Settlement: This ordeal, through no fault of my own, has put a derogatory note on my credit reports, showing that one of my accounts was “closed by issuer.” This message reflects negatively on my credit report and could cost me in future transactions I under take with other financial institutions. Most importantly, I would like this note to be removed. Second, I would like compensation for the fact that applying for the card causes a “hard pull” on my credit report or a reinstatement of my account with added time to make up for the six months of 5% cash back I have not received.

Business Response: Mr. *******, after further review we have no record of you proactively closing your account, therefor we are unable to change the account closure reason due to the fact we are legally bound to report accurately to all credit reporting agencies under the **** ****** ********* ***.

5/8/2015 Billing/Collection Issues | Complaint Details Unavailable
5/6/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: i made two deposits one for 20.00 and other for 10.00 at ********* maine atm td bank on 5/4/2015 between the time of 830 and 930 pm ??? the atm isnt showing my deposits i made i talked to the ********* maine td bank where i mad those deposits was told it wasnt never made i told the manager she was a lier because i made those deposits i want my 30.00 i made into my account not happy at all very mad right now where is my monnnney

Desired Settlement: i want my 30.00 i made a deposit into atm with cash please thank you

5/5/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: 1. saw the advertismeent online regarding TD reward credit card on 3/30/2015 2. visit a local branch in *** **** **** asking about the product, I asked if it was the same promotion should I apply at the branch, the rep said yes. 3. Rep told me after she submitted application, I need to call TD credit card to enroll me in the promotion. 4. Called TD credit card immediately after that, was assured again I would be given the same promotion if I fax the number in 5. Subsequent follow up calls for 2 weeks and was told now I have to go back to the branch and sort it out with the rep 6. I cancelled the account right afterward and submitted a request to remove the credit inquery away from my credit report because this was a typical bait and switch tactic. Should I was disclosed fully, I would not have applied. Bait and switch was also illegal in *** 7. My request was denied still.

Desired Settlement: Repair my credit score by remove the credit inquery. This is bait-switch and this is illlegal in ***.

Business Response: Mr. ***, I understand you spoke with ***** ****** on April 22, 2015 regarding your credit card.  ***** explained that the promotion of 20,000 points was for online applicants only but he offered to give you that bonus should you reopen your card with TD Bank.   You declined this offer.  ***** apologized and explained that we are unable to remove the credit inquiry from your credit file as requested because you willing applied for the credit card. 

Consumer Response: The bank rep told me that if I apply there I could get the same promotion, I even show them the screen shot from my phone, and I got a firmed confirmation that I would get the same promotion. Later they told me that this was an online only offer, which makes this practice fall in the bait-and-switch category and it is illegal in ***.  As a result, I am requesting this credit inquery to be removed because my will to apply the credit card was based on a false advertising and deception. Thank you so much, let me you know if you need any infomration. Regards, ***** ***    

Business Response: Mr. *** we sincerely apologize for any confusion or inconvenience this situation may have caused.  You are a valued customer and as such we did extend to you the online offer of 20,000 bonus rewards points before you chose to close your account.  You declined this offer.  As you applied for the credit card and were approved we are unable to remove the credit inquiry.  We are obligated by law to report accurately to the credit bureaus.   

Consumer Response: 1. I understand you are abided by law to report credit inquiry to credit agency. However, this inquiry was a result of the malpractice of bait-and-switch, and it is illegal. It makes me wonder why the law can be followed selectively. 2. I declined the offer because I was declined the offer in the first place after 2 weeks of calling and push back by the customer service. I would like the credit inquiry to be removed because I was not given fair and complete information. A credit inquery is a contract of a promised good and services. Promised good and services was not delivered, and you have breached the contract in the first place. As a result, my credit score should not have been impacted by this breach. 3. I am planning to follow up my complaints with *** and *** **** **** Consumer Affair to bring this to their attention. It is unfair for large banks to manipulate other people's lives and get away with it. 4. Thanks for keep the communication open, I sincerely appreciate what you are doing. I declined the offer becauseI was not given the offer after 2 weeks of calling and push back by yourcustomer service. I would like the credit inquiry to be removed because this iswhat the credit inquiry supposed to be should I was given a fair and completeinformation. A credit inquiry is a contract of a promised good and services.You could not deliver the promised good, and you have breached the agreement inthe first place, and my credit score should not have been impacted by yourbreach of contract.3. I plan to file complaints to *** and *** **** **** Consumer Affair to bring their attention of your mal-practice. 2. If you insist, I am planning to submit additional complaints to *** **** **** Local consumer affair and *** for your illegal practice. ? Regards, ***** ***    

5/5/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company pulled my credit and has reported inquires to my ******* credit report on the following dates: 11/08/13, 09/25/14, 11/17/14 I have sent correspondence to this company via US Mail disputing these inquires and asking that that be deleted from my credit report OR that the company provide me written evidence showing that I authorized these alleged inquiries and detailing the permissible purpose. I again have no recollection of authorizing these inquires and want them removed from my credit report which will in no way harm the company. I however am being harmed as the inquires being reported erroneously and are causing my to suffer financial losses. Again please understand this complaint is my last resort before pursuing possible legal action since the company has not responded to my written request sent by US mail disputing these inquires and asking that that be deleted from my credit report

Desired Settlement: REMOVAL OF DISPUTED INQUIRES FROM MY CREDIT REPORT

Business Response: Mr. *******, we would like to reach a resolution for you but additional information is needed.  We have attempted to contact you but have been unsuccessful.  In order to complete our research we will need a copy of your ******* Credit Report showing TD Bank's inquiry.  Thank you. 

5/3/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was charged $420 in overdraft fees when my account was not in the negative! My problem with this is that my account is negative because of fees that I should have never been charged because my account was not negative. I was charged $35.00 on 3/19 when my balance never went negative! Then I was charged again $70 in fees when my balance was still positive at $1124.64. Which caused my account to then go negative and get charged additional $175 in fees on 3/24, and now I'm being charged yet again $ 140 in fees! This is ridiculous! Either I get this fixed because my account clearly had money in it and would have never went negative except for these fees, or I'm closing the account. I'm also reporting TD Bank to the Better Business Bureau at this moment as well. I am extremely dissatisfied! I have never had such a bad experience with a bank, and I'm not sure that I will be keeping this account after this week. So at this point I need a credit back of all these fees in the amount of $ 420!

Desired Settlement: I want the $420 credited back to my account.

Business Response: Please see attachment.Thank you

5/3/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: TD Bank failed to provide the 6-month credit card promotion to me. I opened a TD Bank credit card account due to their promotion for the TD Easy Rewards Signature card. They offered me 5% cash back for grocery, gas, and restaurant purchases for the first 6 months. By the time I received the card, there was only 5 months remaining on the promotion. Within a week of receiving the card, TD Bank put the account under review without any advance notification or any explanation. I have called the bank numerous times to correct this issue. Each time, they tell me someone will call me within 24 - 48 hours. Nobody ever calls me. They are violating the terms of our agreement. they are also falsely advertising a promotion which they are not allowing me to use.

Desired Settlement: I would like TD Bank to allow me to use the card as they offered it to me in their contract. I would also like to receive the 6-month promotional grocery, gas, and restaurant 5% cash back period beginning on the date they reactivate my account.

Business Response: Please see attachment.Thank you.

5/2/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: on Feb 24th 2015 the bank made a transfer on my behalf. The money did not show up on the beneficiary account within 10 days. By my request that transfer was cancelled. Since then the money was never returned to my account. By now the money is still not on my account. At the branch at **** ******** ***, ***** PA ***** I talked to the service representative, who handled that transfer, and asked for the printouts of all actions taken related to that transfer, but my requests were declined with the comment :" You have to be patient, we're working here". That action of the bank caused me loss of a very important contract for around $2000000.00, legal conflicts with my potential partners and serious reputation loss in my business. At the bank I was dealing with Mrs.***** *******.

Desired Settlement: I'd like the bank to refund me an amount of $10,935.00 , that was lost in transfer due to unprofessional actions of the bank employees , written apologies from the bank management, and monetary compensation for my losses.

Business Response: Please see attachment.Thank you

4/28/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On April 2nd, 2015, I made a withdrawal at a TD Bank ATM which resulted in overdraft. At the time, I had no pending transactions. Today on April 3rd, I noticed TD Bank had collected $140 in overdraft fees as opposed to the $35 that it should have been. A customer service representative at my local branch told me they could choose the order in which transactions are posted in order to collect overdraft fees. This is a horrible and dirty trick to do to your customers. I have no problem paying the $35 overdraft fee, but it is not fair to be charged an extra $105 just because TD Bank saw a way to make extra money off of me. I am very disappointed because other than this issue, I have been very happy with TD Bank. I find this practice to be extremely ludicrous.

Desired Settlement: I would like TD Bank to refund the $105 to my account. I understand that I would have to pay $35 for the overdraft I initially accepted, but I do not find it fair to be penalized for other transactions when none of them were shown as pending.

Business Response: After reviewing the account history no further refunds will be made.  We understand, Mr. ****** that you have also had a discussion with Store Manager ****** ******** regarding items posting to your account.  We understand that she was able to fully explain this process to you.

Consumer Response: ****** ******** explained my account history with a different account from years ago which is in litigation. That has nothing to do with this situation or account as that matter is being handled by my attorneys.i understand that no refunds will be made, however, I find the business practices of TD Bank to be far out of line of those with any other. I am extremely disappointed in the way i have been treated and had money taken out of my account for the sole purpose of benefitting the bank's "wallet". I have also written several complaints with other consumer boards to let consumers know of this situation and horrible treatment.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.  Regards, ****** ******  

Business Response: Thank you for taking the time to speak with us regarding the overdraft fees on your account.  We hope you are satisfied with the refund provided.

4/27/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: TD Banks has Excessive Overdraft Fees. They take out Largest amounts first because they know they will get more money out of you this way. My account Overdrafted at $2.25 and then $1.25 according to my TD Bank Online, and I was hit with $105 in Overdraft fees. I also had $778 and $114 directed deposited in my account this morning as it was clearing. TD Bank would not budge in taking off one of the three $35 fees. Even though one was $2.25 and another was $1.25 under the $5 maximum for taking an Overdraft fee. I am so angry right now as that $105 is hard earned money and they are making billions off of this, that I'm seriously cotemplating switching banks because I don't feel like there business is ever in the customer's interest.

Desired Settlement: I want 1-2 $35 overdraft fees from the 3 that equal $105 taken off.

Business Response: Ms. ******, we understand that you had a chance to speak with a representative regarding the fees on your account.  We have agreed to refund $52.50 back to your account.  You are a valued customer and hope this resolution is satisfactory.

4/26/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: 0

Desired Settlement: On March 18, 2015, TD Bank wrongfully overdrew my personal account #**********. That same day I notified the manager, in person, at their *******, NH location at *** ***** ***** **, *******, NH. I was assured that I would be issued a refund of all charges. As of the date of this letter, no refund has been issued. My starting balance on March 17 was $616.21. ***** **** made an automatic withdrawal in the amount of $37.58 and a payment of $3.24 went to ******* *** for my credit card. These were p

Business Response: Please see attachment Thank you

4/24/2015 Billing/Collection Issues | Complaint Details Unavailable
4/24/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: To Whom It May Concern: My electronic payment to ** ***** and ***** ********* was returned by TD Bank because on 1 cent. I am very disappointed not only because I am charged an extra $25.00 by the water company but because I really believed TD Bank was different from other banks: as the commercials say. When I phoned TD Bank to inquire as to why my electronic payment was not paid when my account was only 1 cent short, the representative said everything is done by the computer and the computer only knows the money is not there. I have not had any payment not paid previously and I do not accept your representatives’ answer. Please let me know what can be done about this situation. Sincerely, ***** ** *****

Desired Settlement: I do not want a charge from TD Bank and I want my $25.00 charge for the unhonored payment to ** ***** and Sewer to be paid by TD Bank. If TD Bank has an overdraft process why was it not applied to my account for a 1 cent overdraft?

Business Response: Ms. *****, we have made several attempts to reach out to you but have been unsuccessful.  We do need more information to reach a resolution for your complaint.  Please at your earliest convenience, you may contact me directly at ************.******* ********Customer Advocate************

4/22/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: TD Bank has falsely reported on my credit every single month since 2009 that I am 180 days past due on an account I have been paying. They have violated a contract together: I would pay a set amount and they would not report my account past due; it would be noted as a charged off account. The following are the course of events: In 2009, I was a college student, fresh out of the military. I left the service after I was injured during a rescue mission, causing me to become a disabled veteran of war. Because of my injuries, I was then and now given a certain amount of money for the rest of my life. After departing the military, I used my GI Bill and enrolled in the University of Florida. Because I received a set amount due to my service, I felt I could responsibly afford a car payment so I took out a loan with a bank TD acquired almost seven years ago. I was able to make the payments on my car loan for some time but unfortunately my benefits stopped due to government administrative issues. I was not able afford the payments so I did the only responsible thing I could do, turn my car over to the bank. Once the bank recovered the vehicle, as expected, they sold the car at a loss. TD bank and I came up with a payment agreement of $50 dollars a month that would be paid towards the principle. Religiously, I paid the $50 a month since 2009 until present. Some months, when I could afford it, I would pay even higher amounts with the hopes to satisfy my debt. I have never had a negative mark on my credit up until that point and after. Throughout the years I have been forced to contend with TD’s false negative marks on my credit. It was my belief all the harm I suffered was because I had a repossession on my credit. Year in and year out I was forced to live in apartments and homes that were in bad condition and located in high crime areas because of my credit; I was denied college loans and scholarships because of my credit; and denied the ability to open lines of credit. After undergrad, I attended law school. As usual, my credit harmed me every step along the way there too. Every single semester I would was denied not only scholarships, but loans once again. TD Bank employees in their collections department in South Carolina would write a letter for me so I could supply it to my school and federal loan agency, stating that I had a contract with TD Bank, that I never missed a payment, and that I was in good standing. Months later, if I was lucky, I would get a high interest loan. TD Bank employees would review my account often, somehow missing or turning a blind eye to the wrongdoing their company was committing. The harm I have suffered doesn’t stop there. I have been forced to report my credit issues to the Florida Bar as a requirement to become licensed to practice in my home state. To this day, the Bar has not approved my application (currently awaiting approval for almost a year past the average wait time) and I have been forced to hire an attorney to represent me through it. Credit is a HUGE factor in becoming an attorney and TD’s actions are the only ones harmed me in that area. TD Bank’s negligent or malicious behavior came to light recently when I applied for a VA home loan and I was told my credit score was 500 and that getting a loan would not be possible. Upon learning said information, knowing that I should only have one mark on my credit in the form of a charged off account that was being satisfied, I pulled my credit report and noticed that since 2009, I have been reported 180 days past due every single month without fail by TD Bank over the account I have a contract with. I brought this huge discrepancy to TD Bank’s attention and I didn’t even get an apology. TD Bank’s collections agent ***** ******** admitted TD Bank was negligent somewhere along the way and stated he would try to fix it. The only thing TD Bank fixed was to remove the 180 day past due marks on my credit. I would like to think and hope that my case is not a normal one. My credit for years was harmed severely. I have been forced to pay thousands of dollars because of it, suffered harm by living in bad conditions, still not being admitted to the Bar, missing out on scholarships and loans, being forced to hire attorneys, and the list goes on. I demand that TD Bank repay me the money lost caused by their harmful actions and pay for lost opportunities as well.

Desired Settlement: I demand that TD Bank repay me the money lost caused by their harmful actions and pay for lost opportunities as well.

Business Response: Mr. ******** account status has been updated from "180 days past due" to "charged off."  TD Bank has offered to settle the account with Mr. ****** but he has declined this offer.  The monetary compensation being requested will not be awarded. 

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.  What TD Bank has offered has no affect. As I informed them, and they have  opening admitted to being aware of, my account is days away from being passed the statute of limitation for when they have a legal right to claim on my account. Any attempt to collect on my account after said statute has run may lead to legal action not only federally, but also under Florida State Law of the FCCPA. Not only can TB Bank not collect, any and all markets made, whether the put the account is settled or not, will be completely removed. Their solution to their intentional harm is something that in no way ,shape, or form makes me whole from their actions. I remind TD Bank that I am the victim in this issue and I have suffered real, provable monetary damage that can only be satisfied though refunding me for what I have lost because of them. Although they may find they are covered from legal liability under the Fair Credit Reporting Act, they are still liable under state laws such as the FCCPA. to name one. I wish to only receive what I lost because of them at this point; nothing else. I pray this company see what they have done and recognized what is fair. This, besides writing to the Board of Directors and the CEO of the TD will be my last effort before legal action is taken.  Regards, ****** ******    

4/20/2015 Problems with Product/Service | Complaint Details Unavailable
4/20/2015 Advertising/Sales Issues | Complaint Details Unavailable
4/18/2015 Problems with Product/Service | Complaint Details Unavailable
4/14/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had numerous issues with opening up TD account. First TD advertises very smooth way of cross border banking experience. In my case, no one was able to explain proper information to open an account . The customer service agents had very poor knowledge and I had to call numerous times to activate and fund my account. Because the first account did not open properly, I called and opened another account so that I can pay my US bills and do a person to person transfer. However the person to person transfer could not be completed and I had to send a check to my niece. TD meanwhile started to charge maintenance fees to my other account even though I had deposited a check. I had a very simple request to merge both accounts and refund the money TD charged every month without providing any such banking to my other account.

Business Response:

Some further review is needed, you will have a response soon.

4/13/2015 Problems with Product/Service | Complaint Details Unavailable
4/11/2015 Advertising/Sales Issues | Complaint Details Unavailable
4/8/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A business is using my home address and phone number for a TD Bank account without my authorization. I have called multiple times to request that TD remove my address and phone number but am told that only a signer on the account can do that. Every time I complain of fraud/identity theft, they "investigate" by calling the number on file - mine. Therefore, I am stuck in the same loop over and over again. I asked TD Bank how it is possible, given that I have proven that the address and phone number are mine and not that of the account holder, that they continue to keep the account open. On one occasion I was hung up on, and on another the customer support technician told me that even if the address given was the White House, they wouldn't do anything about it unless the account holder changes it.

Desired Settlement: I want TD to freeze the account until the account holder (who they apparently have no contact information for other than MY phone number and address) removes my address/phone number from the file. I want TD to have adequate procedures for dealing with identity theft of the kind I am experiencing. I want an apology for wasting several hours of my time and for not taking identity theft at all seriously.

Business Response:  *** ******, we apologize for your experience.  Your information has been updated and no longer affiliated with the business in question.  As a token of apology please find a $50.00 credit to your bank account. 

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. 

4/7/2015 Problems with Product/Service | Complaint Details Unavailable
4/7/2015 Problems with Product/Service | Complaint Details Unavailable
4/7/2015 Billing/Collection Issues | Complaint Details Unavailable
4/7/2015 Advertising/Sales Issues | Complaint Details Unavailable
4/3/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I applied for and was accepted for the TD Bank Easy Rewards Credit Card in mid-January. After one month of usage with no problems, I attempted to make a large purchase on February 11. That purchase was declined, and when I called in, I was told that my credit card account was placed "under review", that my card would be locked and unusable, and that someone would call me to resolve the review within 24-48 hours. It is now 5 WEEKS later. No one has called and my card has been LOCKED. Anytime I call in, there are no reasons given, there is no time estimate given, and I am told to indefinitely wait. This is incredibly unprofessional and unprecedented in my dealings with credit card accounts. To lock a credit card account for 5 weeks with no explanation and no resolve is incredibly unprofessional.

Desired Settlement: I would request that TD Bank contact me immediately and remove the lock on my credit card account.

Business Response:

 

 

We are in receipt of your Better Business Bureau complaint. We are currently investigating your issue and you will receive a response shortly. In the interim, if you have any questions, please contact **** ********* at ###-###-####

 

 

 

Consumer Response: 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. 


4/2/2015 Problems with Product/Service | Complaint Details Unavailable
3/31/2015 Problems with Product/Service | Complaint Details Unavailable
3/30/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I applied for a TD Bank credit card that advertised "$100 cash back, which can be redeemed for a statement credit, when you spend $500 within 90 days after account opening." In addition there was a 6 month promotion for 5% cash back on some categories of purchases. My account shows that my cash rewards available are around $500. However, when I call in TD Bank refuses to apply my available cash rewards as a statement credit to my account because they say they are reviewing my account. My account has been "under review" for over 6 weeks with no resolution in sight.

Desired Settlement: I would like to get my cash rewards sent to my as a check. In addition, I would like to be able to use my credit card again since all my attempted charges are rejected.

Business Response:

Please see attachment.

Thank you

3/29/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 02/25/2015 I opened a Chequing and Savings Account at TD Bank *** *** ****** *** ****, NY *****. I just relocated from *******, Canada to NYC to be with my husband. The Banking CSR name was chasity at this location. She explained to me the chequing and saving accouint requirments, deposited funds into the account and gave my banking card. Keep in mind, I asked alot questions regarding charges to the account because the banking system in Canada and the USA are quite different. The CSR enrolled me in a Overdraft Protection Program without my consent, didn't even explain to me the overdraft fees; and 2 weeks later I rack up $135.00 in fees. Keep in mind; I'm from Canada and our banking system does not allow you to use your debit card if money is not in your account. Which makes total sense. If there is NO money; it's DECLINED. There was NO mention of this in signing up. I called Online Banking to see if the fees could be reverse. Keep in mind, I am a new customer and new to the country and .... this BRANCH did not explain to me this Overdraft Protection Plan. In fact, it was delibrately left out because I believe TD Bank makes money based on customers ignorance...... but then try to say... it's there in the contract. Isnt apart of delivering great customer service.. is letting the customer know their options verses trying to delibrately misled them? Anyway, the online banking services reverse $35.00!!!!!!!!!! Excuse me!!!! She said she can reverse $35.00 as a courtesy ONE Time, or I can escaluate it to the Branch Manager. I told her I want to esculate it. She puts me through to the lady that opened my account ..... and what was her response....Well, I cant do anything because you've used your one time credit. I see this is a game. I want all those fees reversed.

Desired Settlement: I want all the fees reversed.

Business Response: Please see attachment Thank you

3/29/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been a customer since TD was Commerce Bank and I am very disappointed!!! I was charged excessive overdraft fees of $140 because TD Bank began by holding a payment made on Feb 28th for $99 in pending status until March 9th. While a payment in the amount of $375 made on March 8 (person to person), came out on March 9th before the Feb 28th payment for $99. Its no coincidence that all pending charges were held right before my direct deposit came in. I also noticed another overdraft charge in the amount of $105! This bank is not convenient at all, they are causing me a huge INCONVENIENCE and I feel what they are doing is predatory!! When I called customer service at ###-###-#### and spoke with *****, who transferred me to ***, the manager, he was VERY rude and told me that his supervisor is unreachable and will not speak with me, so I can leave him a message and his name is *****. I just want my $ back, because it isn't my fault how TD hold transactions and purposely waits for direct deposits to cover unnecessary overdraft fees!!8

Desired Settlement: I would like to be refunded ALL of my overdraft fees that were unfairly charged to my account $140 & $105 totalling $145

Business Response: Please see attachmentThank you

3/24/2015 Problems with Product/Service | Complaint Details Unavailable
3/23/2015 Problems with Product/Service | Complaint Details Unavailable
3/22/2015 Problems with Product/Service | Complaint Details Unavailable
3/22/2015 Billing/Collection Issues | Complaint Details Unavailable
3/22/2015 Problems with Product/Service | Complaint Details Unavailable
3/22/2015 Problems with Product/Service | Complaint Details Unavailable
3/20/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: From the dates of February 14-20, I was travelling abroad in Canada for business purposes. On the 16th of February a notice of seizure of assets arrived at my residence for an unpaid debt of 8 years. The notice was dated on the 12th of February. My financial assets in my TD Bank account were seized on the 17th. Not being present at my residence in NJ during this time, I had no opportunity to respond. I received no notifications or warnings via phone call to be able to assess and remedy this situation. My only notification was personal when I logged into my bank online and noticed that $2,922.07 had been seized and placed on a hold from a court order signed and dated by the pen of Judge ****** ** **** which was then transferred to a Mr. ****** ** ********** whom initiated the seizure. After learning all of the basic facts of how this incident and seizure came to be, aside from contacting a strong corporate attorney, a decided to embark on a little research of my own. Upon my investigation I have learned that ****, **** & ****** are not an actual legit law firm but instead a debt collector. I have also learned that with the BBB and other institutions that this debt collector has numerous amounts of complaints against them for extremely unorthodox and even illegal business practices. Further into my investigation I discovered that this debt collector is very well connected with many judges in the tristate area and have a known reputation of obtaining illegal "fast-track" court orders to seize one's assets in a very immediate fashion, far beyond the fair practices and consumer laws allowing the accused of debt to respond within 30 days of the notice or summons. In preparation of legal counsel that I will be assisted with in this case I thought that it was best to report this incident as it is in dire need of attention and investigation by the BBB, as it seems that this supposed law firm has been getting away with illegal litigation for a number of years now. My main disappointment and feeling of the lack of integrity and security is the fact that TD Bank did not protect, me the customer. There was no point of contact in reference to this incident until after the asset seizure had occurred.

Desired Settlement: I would like TD Bank to be brought to strong reprimand and justice for participating in this act of business unorthodoxy. I would like the hold taken off of my financial assets and returned to me immediately. In the event of their possible inconsideration of this resolve, I plan to take this incident and place it into the hands of national media to which I have strong contacts to work an immediate resolve of public pressure in the favor of my rights as well as many other citizens who have been affected by the unorthodox practices of ***** **** * ****** and those whom participate in concert with.

Business Response:

Please see attachment

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. 

TD Bank neglected to pre-warn me before this seizure occurred and give me any time to suffice the matter or properly secure my funds therefore they are in concert with this unorthodox practice of business.  As a customer of TD Bank it was their sole duty, by contractual agreement to protect my bank assets.  They have neglected to do so and it is in that they must be reprimanded.   

Regards,

**** ******

 

 

Business Response:

Please see attachment.

Thank you

3/17/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Last May, I had an issue with my TD Bank mortgage. The escrow account had spun out of control for the past two years and they wanted to correct it. They offered me two solutions, pay it all now, or pay it over the next 12 months in addition to my mortgage. I offered them a third solution, I was to pay it in 6 month installments over a two year period. As per their request, I sent them a letter stating my intentions. A TD rep verbally told me that they had agreed to my terms and that I could go ahead and make my mortgage payment, along with my first 6 month installment. I did so and got a confirmation number to prove it. Approximately two weeks later I noticed that the funds were not applied properly. I called to complain and they had no record of agreeing to my terms. I refused to pay TD and fought them about this for 6 months. In the end we agreed to call a truce. I agreed to pay the entire negative escrow amount, plus the required escrow account reserve amount, plus all mortgage payments past due. In turn, TD Bank agreed to remove any late fees and other misc fees that had been charged to my account. We agreed on a dollar amount and this time I got everything in writing from TD Bank. That same day, I made the payment in full at a TD Bank branch. That was late in December and the funds have not yet been applied correctly. In mid January, I was assured that the delay in proper adjustments was due to the busy holiday season, so I went ahead and made my January mortgage payment. I made several efforts after this to show them that several things are wrong about my account. On February 6th, I received my last communication from TD Bank. I asked them several questions and had only received an answer for one of them. That same day (Feb 6th), I made a very clear email with very clear questions: - When can I expect my online account to show me the proper amount due for February’s payment? - When can I expect my online account to show me January’s payment made? - When can I expect my online account to show me January’s additional principal payment made? - When can I expect my online account to show me the proper amount of interest paid last year? - When can I expect my online account to show me the proper amount of interest paid this year? Without receiving any response, and against my better judgement, I went ahead and made February's payment. Since then, I have sent several emails and made several phone calls to my case manager, his boss and an assistant VP who's name I was given from a previous BBB complaint about the original issue. I have not had a single email or phone call answered. (Yes, I have checked my spam folder.) I've even left voice messages. "America's most convenient bank"???????

Desired Settlement: I would like my account to reflect the proper numbers. Currently, the following numbers are incorrect: - Interest paid last year (This is the one question that was answered, but I am not sure I believe it to be correct due to my interest YTD. This number is way off.) - Interest paid YTD - January's payment made - January's additional principle payment made - February's payment made - February's additional principle payment made - March payment amount due As of 2/6/15 there were a total of 77 transactions posted to my account (payments, reversals and then the same payment again, etc) for about a 6 week period, can't this be cleaned up some? Please note: I am not asking for TD Bank to give me any extra money (Although extra money is always nice). I am simply asking them to allocate my funds properly and according to our written agreement. I have complete documentation for all of my statements.

Business Response:

Please see attachment

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. 

Although much progress has been made, there are still some remaining issues at this time: 1) The interest YTD is still not properly shown online; 2) The mortgage amount due for March is showing $33 higher than normal; 3) I have received verbal confirmation but have not yet seen a statement from my escrow account, showing me that the proper reserve amount has been paid.

I have been working closely with Gary. He has been working very hard to fix my problems. Most of them are now fixed, with the exception of the above mentioned items. I would not like this case closed yet.

Regards,

***** ******

 

 

Business Response:

Please see attachment.


Thank you

Consumer Response: I have been working with TD Bank to resolve my issue. I am pleased to report that all the numbers in my account appear to look good now. I made the payment for March, and it did post properly as well. Although this problem was irritating and time consuming, it looks like I now had the right person working on my case and he was able to get the job done.


Regards,

***** ******

3/17/2015 Problems with Product/Service | Complaint Details Unavailable
3/17/2015 Advertising/Sales Issues | Complaint Details Unavailable
3/17/2015 Problems with Product/Service | Complaint Details Unavailable
3/16/2015 Delivery Issues | Complaint Details Unavailable
3/16/2015 Billing/Collection Issues | Complaint Details Unavailable
3/16/2015 Billing/Collection Issues | Complaint Details Unavailable
3/15/2015 Billing/Collection Issues | Complaint Details Unavailable
3/14/2015 Billing/Collection Issues | Complaint Details Unavailable
3/13/2015 Billing/Collection Issues | Complaint Details Unavailable
3/10/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: In December and February a creditor withdrew funds that were either unauthorized or unauthorized for the date it was withdrawn. Because of this, my account overdrafted several times. I contacted your company and explained the situation, and although they offered to refund some of the fees, the representatives would not reverse all of them despite the manager agreeing that the funds were wrongfully withdrawn. During the course of this time, I have had to deal with several rude representatives, and been told that there would be no way for them to prevent further issues- such as allowing only certain types of transactions to the creditor- and only that I would be further charged for these overdrafts.

Desired Settlement: I would like all the overdraft and maintenance fees reversed from my account, and a way to handle withdraws from the creditor that would prevent further overdrafts from them.

Business Response: Please see attachment Thank you

3/8/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have a **** Credit Card with TD Bank (TD Easy Rewards **** Card). For reasons unknown to me, TD blocked my card for further purchases starting on January 22, 2015. Despite repeated attempts of mine to determine the cause of the card blockage, I was not provided with an explanation or resolution. I even faxed in a copy of my driver's license and utility bill on January 26, 2015. In addition, I visited a branch of TD Bank on February 7, 2015, so that local bank employees could verify my driver's license and passport. Both were once again faxed to TD Bank. On January 27, 2015, I called TD and requested that my account be closed. In addition, at the time of closure, I had a credit balance (refund due to me) on the card of $6,957.16. I have repeatedly requested that this credit balance be refunded to me. As of today, February 20, 2015, this credit balance of $6,957.16 has not been refunded to me yet. Per the "Personal Credit Card Agreement", section F. - Credit Balance, a cardholder "may request a refund of a credit balance on the account at any time." As such, TD is not only in regulatory violation but also in violation of their own terms and conditions. What I'm asking is simple: I want to have the credit balance (balance due to me) of $6,957.16 on my TD **** Easy Rewards Credit Card refunded to me. This is my money and TD has no right to hold on to it or take it from me.

Desired Settlement: I want the credit balance (amount due to me) currently on my TD Easy Rewards Credit Card of $6,957.16 refunded to me.

Business Response: Good Afternoon,We are in receipt of your complaint to our regulator the Consumer Financial Protection Bureau complaint ************* and we will respond accordingly.Thank you.

3/8/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My name is ******* **** owner of account number :********** The weekend of 23rd through 25th of January I made transactions with my debit card linked to my business checkings account. Instead of processing the transactions in the order in which they were received, TD bank processed the transactions highest to lowest resulting in my receiving over $230 in overdraft fees from small purchases I made which totaled up to roughly $20 to $30 dollars.

Desired Settlement: 3 fees were reversed after calling customer service, I would like the remaining 125 dollars that they didn't reverse refunded back to my account

Business Response: Please see attachment.Thank you

3/4/2015 Problems with Product/Service | Complaint Details Unavailable
3/3/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I've been banking with TD Bank for 7 months now. Throughout my banking experience I've signed up for TD Bank Debit Card Advance Program which allows overdrafts conveniently when you don't have funds available at the time of transactions. On numerous occasions TD bank has charged me overdraft fees when not permissible and as well as taking money out my account stating other institutions has processed payments and causing my account to be overdraft and the business never receive the funds deducted from my account.

Desired Settlement: On January 2,2015 My account had sufficient funds in the account. all overdraft charges were paid in full at time of my direct deposit. Td bank went and deducted 35.00 for an overdraft that hadn't occurred on my account due to available funds. On February 9,2015 I had an available balance of 51.96. I set up a post dated check for February 13,2015 credited to ******* ******** for 123.12 when the funds should have been deducted out my account to avoid overdraft fees. Nonetheless tD bank took there own initiative to deduct the funds out of the account on February 9,2015 causing me to overdraft an incur an overdraft fee which I was highly trying to avoid. I've contacted them on numerous occasions with ******* ******** to notify them that ******* never intiated a payment and as well hasn't received the payment 48 hours later nonetheless my account has been withdrawn and I encountered an overdraft payment once again and I haven't requested for TD BANK to process any payment. I've gotten disrespectful feedback from Customer Service representative as well as having to then file a dispute against these charges due to there errors. I have been taken advantage of and do t appreciate the lack of concern they've had for the business I provide to the business especial after I was notified by there customer service representative my account would be credited back for the 123.12 payment that wasn't supposed to be processed in the first place. Not only have Ive dealt with the authorizing payments without my permission I've sat on hold for long periods of time to no avail not being helped. Please assist me in resolving my issue and being refunded my money.

Business Response: Ms.***** had the opportunity to speak directly with a representative regarding this matter. Ms. ***** was satisfied with the resolution and an official letter is being sent out for her records.

3/1/2015 Problems with Product/Service | Complaint Details Unavailable
2/28/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I am filing this complaint due to an unauthorized purchase on my TD BANK account that has been denied refund. I had contacted Customer service to have them file a dispute. This transactions entailed $450.00 for Enterprise rent a car. The dispute was filed and my debit card was canceled due to their policy on fraudulent activity. I was then told that it would take up to 10 days in order to hear a response to whether or not the funds would be returned to my account. After a month of not hearing anything I decided to call on February 9 to be told that my dispute has been denied and that I need to contact Enterprise directly and dispute it with them to get my money back. I have had this bank for 8 years and am currently frustrated because as a customer I do not feel that I need to solve my own fraudulent activity on my own personal bank accoun

Desired Settlement: I would like the 450.00 returned to my account.

Business Response: The initial claim was denied because of a previous history with the merchant which the merchant was able to confirm.  TD Bank has reached out to this merchant and they will be giving the customer a refund, in the interim TD Bank will provide a provisional credit.  Please see attached letter for full resolution. 

2/28/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been charged 315 in overdraft charges in the past 3 days. I check my acct. Religiously before i use my card. I believe they are moving the order of my debit transactions. Yesterday, when i checked my acct, i had 326 and change in my acct. Later on, i checked and it was -20.16. I have emailed td bank and no one has replied within 24 hrs as promised. I tried calling customer service and waited on hold for 15 minutes before hanging up. I would like my $315 refunded promptly.

Desired Settlement: I would like my $315 in overdraft charges and an explanation on how they can change the order of debit purchases.

Business Response: The customer is being provided a detailed letter outlining how fees are assesed.

2/28/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I have repeatedly asked to be removed from having my accounts overdrAw. I have told numerous associates that I do not want overdrafts that I just want the card declined. Again my account keeps over drafting and I have fees. This is getting ridiculous.

Desired Settlement: Refund the latest overdraft fees me tiurn off overdrafts!!!

Business Response: TD Bank has attempted to reach out to this customer; currently we are awaiting a response.

2/26/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i have a savings account i got 24 charges for 9 dollars for taking money out of my savings account td bank failed to communicate with me by phone or mail they only refunded 9 charges this is excessive i told them what i plan on doing with that account they failed on informing me about these fees im owed 135 .... also told me that theres a hidden link explain this but they failed to let me know about this

Desired Settlement: 135 cash

Business Response: Store manager ***** ****** spoke with Mr. ***** on February 16th 2015 to resolve this issue.  ***** refunded $99.00 and has sent out a formal letter regarding this resolution. The customer is satisfied with this 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.  Regards, ******** *****  

Business Response: Please see attachment.Thank you

Consumer Response: 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, ******** *****

2/26/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I opened a new bank account with TD Bank a few years ago. I was told that there was no minimum amount necessary that had to be kept in the account. After a year, I received a bill from them for 62.00 and was shocked. I called them and they stated that it was only free for the first year. I was absolutely NOT informed of this. I was also told I could close the account and the 62.00 would be taken care of. I come to find out that a 62.00 unpaid bill from TD bank is appearing on my credit report from 2012. I am disheartened and saddened that a bank with such a good reputation would do something like this. I again tried calling the bank today (February 26 at approximately 1130 am)and the gentleman I spoke to said there is nothing they can do about it if it was so long ago. My question is, "How would I take care of something that I had no knowledge of and that was supposed to be taken of if I closed the account?" I feel I made the necessary effort to resolve this matter by calling and trying to speak to them but was disheartened by their lack of enthusiasm to help me. I felt I was rushed off the phone and they didn't want to deal with me. I hope this report helps to make others aware of the unfairness they displayed. I thank you for your time and I am available for any further information necessary.

Desired Settlement: I would like them to take the 62.00 off my credit report being that I was never told the free checking was only for a year.

Business Response: Please see attachment.Thank you,

Consumer Response: 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, ******* *******

2/25/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I came in and cashed 2 checks. I deposited the remaining cash. Dinner that evening on Valentines day I looked at my acct to see I was negative in funds. I called customer service to no avail as they informed me only the branch could resolved the error in which the teller ******* didnt notate my chexks being cashed. I was left with no money at dinner, embarrassed and disgusted. I came to the branch the next day and was informed that they had other screw ups like this and they did give me my money back.

Desired Settlement: I want something for the complete incompetence and inconvienence of the situation.

Business Response: Please see attachmentThank you.?

Consumer Response: 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, ******* ******

2/25/2015 Billing/Collection Issues | Complaint Details Unavailable
2/24/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Unable to get in contact with the company. Forced to wait on phone on average between 30 to 60 minutes. Attempted to contact them over a 6 day time span and at different times of the day. I even attempted to use their secure message center to request my need through their site and they responded back that they needed me to call. All I needed was for them to fax over a copy of the title so I could get plates for my vehicle. TD Auto Finance has been the worst customer service experience I have ever dealt with for a loan or bank.

Desired Settlement: I am refinancing my loan to have it moved to a bank that will actually be responsive.

Business Response: Please see attachment.Thank you.

2/23/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I am writing to you becuse I attempted to call your recovery dept twice ************** on 2/4/2015 both calls between 345-415pm. I was calling because TD Bank was reporting a checking account that I had closed & Included in bankruptcy. In fact, on or about 7/8/2014 I had zero'd out my checking account at local branch as well as called customer service requesting that they close my checking account. I did receive verbal confirmation from both recovery reps that they did see that my "Creditline/Overdraft" was included in chapter 7 which was the exact same account number as my checking account. As you can imagine, I feel horrible that I had to delclare bankruptcy but after the manner in which I was treated by both of your reps. 1st call after I insisted on holding for supervisor after trying to explain I did not presently have a call back number due to fiancial situation and then on 2nd call when I spoke to female she was also not listening when I explained I dont have a return call number. I was disconnected without notice by the first male rep and then disconnected by the female rep. I was attempting to resolve an issue that TD BANK was reporting erronrously to Chex Systems. I have nurological issues and at no point during the call did I use foul language or threats which is a fact. I was referred to your recovery dept by chex systems and from my point of view they both verified that the same account number as checking (Line of Credit/Overdraft Protection" was included in the chapter 7. I dont expect TD Bank to love customers that have to file chapter 7 but the manner in which I was "Strong Armed" defineitly was not right.... I had repeated that I did not have a call back number at the time since I was using a friends phone but they refused to allow me to hold on to a supervisor and ultimately hung up on me..... I am considering filing complaints with your regulators and any other legal resources after this conduct...... I feel very horrible and cant beleive TD endorses the strong arm tactics and very very rude actions to me

Desired Settlement: I would like the two calls reviewed and an explanation on why I was disconnected without notice with first rep and then treated very badly my 2nd female rep after I tried explaining I dont have a call back number. DOES TD BANK ENDORSE THIS I would like a letter of confirmation that the checking account being reported to chex has been deleted/removed Finally, I would like an email update since I dont have regular phone yet, my email is *********@*****.com

Business Response: Please see attachment.Thank you.?

2/23/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I am filing this complaint about the insensitive and poor customer service by the back office support staff at TD Bank and their lack of cooperation to resolve valid refund issues on questionable Bank charges. On 01/14/2015, I contacted my local branch of TD Bank about a change of my direct deposit from TD Bank Acct#********** to a new TD Bank account ending with ****. Due to the change of direct deposit accounts at the same TD Bank, a total of over $200.00 was taken out of the two TD Bank accounts during the period of 01/15/2015 through 01/21/2015. I immediately contacted the local Manager at the Bank who is generally very helpful with the team considering even with the sizable number of Bank customers who wait to be served at the branch. The Manager informed me that the Back Office will research on the reason why for instance, my account was charged an NSF fee $175.00 on Acct #********** on 1/22/2015 when there was a total of over $5,000 (from employer's paycheck and a Fidelity 401K Bank check for $2300). All my transactions on 01/20/2015 were total cash transfers to the TD Bank account of my daughter to enable her to pay her Tuition in college. All transactions were reviewed and approved by the local TD Bank officials. I followed up with two phone calls to the local branch office to find out if the branch has responded or completed their investigation. Seven days has past, I have not received any feedback. Per this complaint, I am asking that the total fees of at least $210.00 charged against the two accounts between 1/15/2015 thro 1/28/2015 be refunded without any delays.Thanks & Regards,***** ** ******* *** *** **** cell.

Desired Settlement: Per this complaint, I am asking that the total fees of at least $210.00 charged against the two accounts between 1/15/2015 thro 1/28/2015 be refunded without any delays.

Business Response:

Please see attachment.

Thank you.

2/23/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: TD Bank posted debit charges that occurred prior to an automatic bill debit that caused me and my husbands bank acct to go into the negative. Instead of incuring a one time $35 over draft fee for the automatic bill debit TD Bank organized debits that occurred prior to the automatic bill debit to come afterward and took a total of $245 in over draft fees. So for each purchase we made from Jan 31 through Feb 1 we had money in out bank a count to use. These are the overdraft fees that I am requesting for TD Bank to return, as they were later organized in such a way by TD Bank on Feb 2 that was inaccurate.

Desired Settlement: Refund for over draft fees withdrawn from me and my husbands bank account on Feb 2-4 from inaccurate bank reporting of the order of an automatic debit placed before Jan 31-Feb 2 debits by TD Bank.

Business Response: Please see attachment.Thank you.?

2/23/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I'd like to start off with the fact that I am absolutely livid! Some of the practices and policies of this bank should be illegal! That being said, I would like to immediately absolve the employees at my local branch of any prejudice against them as TD Bank representatives. They almost make this terrible excuse for a bank seem like it could be a decent business! I had attached my bank information to my TD account through ****** a few months ago in order to make and receive payments on eBay. I have never had an issue with ****** before, and have no issue now. Two days ago, ****** charged my account for 21 sets of purchases ranging from $1.25 to $4. The total amount overdrawn was $57 and change while the account had a zero balance. It was my mistake not to keep better track of the account, and I am at fault in that sense. Issue is, I like to check my account via the mobile banking application before I go to bed on a regular basis. TD Bank's mobile application has a wonderful track record of being inaccessible for a couple of hours each night, so when I was unable to access the account, I simply let it slide. The next night, I checked the account just before 12. It showed that it was overdrawn by the $57 and change. The next morning, I went to my local branch to work out the payment. When I left thinking that I was only $10 in the negative at that point, my mind was at least at ease. That is, until I looked again a few hours later to find $175 in overdraft fees. Apparently, TD Bank charged me the maximum of 5 overdraft fees for the ****** postings. I immediately called customer service and the first person I talked to, who by the way was a pleasure speaking with, told me that he wouldn't be able to waive those fees. He offered to transfer me to a supervisor. This is where things got interesting. The supervisor pulled up my account and after a brief hold, told me that I was not eligible for an overdraft fee credit. I was credited a couple overdraft fees before, but that's because TD Bank made a mistake that they apparently hoped I wouldn't catch! These schemers! That being said, I asked how it makes sense that I was charged 5 overdraft fees in a matter of less than a second for a transaction that took the same amount of time. It is technically only one charge, just itemized!! She told me, very rudely at that, that "I'm lucky" that TD Bank has a limit on charges, or I would have seen even more. Ridiculous! If I overdrafted one time for $100, there would be a $35 charge. But this silly loophole allowed TD Bank to charge me $175 for $57 worth of charges in a fraction of a second. I'd rather borrow the $57 from a loan shark at 100% interest compounded weekly, it would cost me less!

Desired Settlement: I want ALL BUT ONE of my overdraft charges refunded. That is more than fair. I did indeed overdraft the account and I will accept the consequences for that, but no more!

Business Response: Please see attachment.Thank you

2/23/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In December 2013, I had my debit card stolen. I was promised everything would be fixed and it WAS NOT! I went as far as writing to the chairman of TD Bank and I dealt with a woman who was in charge of investigations, who gave me more than a hard time. I lost my jobs and had three checks taken away from me in the process. I was called by the winslow police department to overlook the surveillance that was given, i was never given the time to go and check it out or press charges. TD Bank never followed up with me, I have yet to receive the funds that were rightfully mine.

Desired Settlement: That I receive ALL of the funds which was over $1,000+

Business Response: Please see attachment.Thank you

2/22/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I applied for a personal loan over the phone with a TD Bank loan specialist. During that process, the loan specialist suggested a TD Bank credit card to me, saying that it would be a better route for my situation. It was explained to me that the credit card had 0% interest for 12 months. I made a purchase with the card and made several payments before realizing I was being charged interest on that card. When I realized that I was being charged 21% interest on the outstanding balance and contacted credit card services, they told me that the 0% interest for 12 months was only on balance transfers not purchases. The specialist that I spoke with never said the 0% interest was only for balance transfers. Customer Service has reimbursed me for 1 month of interest, but not the others. Had it been properly explained to me by the loan specialist that the 0% interest was for balance transfers only, I would have never even applied for the card. Therefore, I feel as though I was mislead and misinformed by the loan specialist.

Desired Settlement: I would like to be refunded the interest charges on the card that I have incurred up until this point and not be charged interest for the remainder of the 12 month period that was explained to me. That 12 month period is July 2014 through July 2015.

Business Response: Please see attachment.Thank you

2/20/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: TD Bank holds pending transactions for a longer than usual number of days then post the charge to your bank account on an older date and over draw your account and hit you with an obscene amount of over draft fees

Desired Settlement: They recently took $175 in over draft fees from me which caused me to be unable to buy food for the week and I have 3 kids. I want that money returned to my checking account.

Business Response: Please see attachment.Thank you

2/20/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This bank has on many occasions, intentionally delay transactions so that they can charge OVER DRIFT FEES. They went ahead and charge my account in OVER DRIFT FEES of $629.00. Their explanation was that another company that I have done business with posted their transaction for payment 9 times, and each time this happen, this bank will charge me $35.00. Over that, they charge me service fee when they knew that there were no money in the account, also acquiring OVER DRIFT FEES. They lastly went ahead and transfer funds from a joint account without my authorization to cover the account that had the OVER DRIFT FEES. When my wife tries to pay over rent, she realized that there was no money in the account. When she call the bank, they refuse to put the money back.

Desired Settlement: I want them to deal with my directly. They send me a corresponding earlier this month telling me that the account will be close and the account send to a collection agent. I want them to deal with my directly and not involve anyone else that have nothing to do with situation. (i.e., My Wife). Or they can take legal action against me like they noted in the corresponding.

Business Response: Please see attachmentThank you.?

2/17/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: TD Bank does not operate in real time as most banks do. There were pending charges on my account that took days to clear. TD Bank showed the funds as available when I periodically checked my account. Once TD Banks systems finally updated the account was overdrawn and I was unaware. The Account became over drawn and I was penalized. TD Bank requires a credit card to have overdraft protection. My entire check was taken. After countless attempts to resolve the issue with TD Banks customer service I was not able to get any resolution.

Desired Settlement: I would like my account restored to the original $276 I would like all penalties and fees dropped and I would like to be able to close the account without an issue in 7 days.

Business Response: Good Afternoon, We are in receipt of your BBB complaint. Your issue is currently being invested. We will be following up with you shortly. If in the interim you have any questions, please contact the Chairman's Service Center at ************. Thank you, ******* ** ******** | Customer Advocate Chairman's Service Center TD Bank, America's Most Convenient Bank ®

2/16/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: on 1/20/15, i walked into the 401 5th Avenue, NY, NY TD Bank branch where i regularly bank and i deposited a check for $100 using one of their ATMs. Two days later, on 1/22/15, i checked my bank account online and noticed that the $100 deposit was taken back, so i called their customer service line to inquire about the problem. the young lady i spoke to told me that the check was being returned because it wasn't dated, but that i could go to the branch where i deposited the check and obtain a copy of it that i could have dated by the issuer and then be able to deposit without a problem. i went to the *** *** ****** branch again and spoke to a representative who told me that the check was mailed to me. he asked the manager (*******) who emptied the ATMs that day (on 1//20) and she confirmed that it had been mailed out. I told them that i was told i could obtain a copy to be dated by the issuer and be able to deposit it. they told me no copy existed. i asked the gentleman, "Then what does the scanner on the ATM do?" they told me they didnt have a copy and that i would have to wait for it in the mail. it is now 2/2/15 and i still dont have the check. i went back to the branch today, 2/2/15, and spoke to the same gentleman as the first time. he even remembered my situation and had me sit down with a manager (middle-aged asian guy with glasses, did not get his name). I explained to him my situation and he took my bank card and my ID. he looked up my account in his system and read some other address (not mine) to me. i told him that isnt the address and that the gentleman i just spoke to looked at my account before sending me to him and read out my correct address, as does everyone else everytime i come here. he stepped away and said he was checking into it. several minutes later, he comes back with a copy of the check! the copy the rep and other manager (*******) said they didnt have. i asked him howit was possible for him to obtain a copy but the other manager and the rep couldnt and, in fact, said they didnt have one. he replied, "Uh, i looked for it." i told him that customer service over the phone told me that i could have the copy dated by the issuer and then make the deposit. he made a face and laughed and nonchonantly said sorry and brushed me off. obviously, these people don't care because it's not their money but where is any accountability for this. i understand the check wasnt dated but why am i being told different things by every person i speak to?? is anyone accountable for the lack of customer service?? and what exactly happened here and where is my money???

Desired Settlement: my check deposited into my account, of which they have a copy

Business Response: Please see attachment Thank you

2/15/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I moved from ********** NC to ****** CO. I asked if I could cancel the account. I was told I could not because I could only do it in person or with a notarized letter. I left a low balance on the account. The bank continued to charge me maintenance fees and when there was a negative balance from said maintenance fees charged me an overdraft fee. They then sent me too collections and reported me so that I can not get another bank account. I now have a balance of a mere 31dollars. I called the bank and told them I wanted to resolve the matter. I was asked what my address is. I have them my current address and after I have it too then I was told this is an attempt to collect a debt and any information will bee used which is a violation of the law. I asked if I could just give them a credit card and pay the 31 dollars and resolve the issue and was told I can't because they can't take credit cards. I said I can't send you a check because I can't get a bank account.

Desired Settlement: I want my account closed with a letter starting that the report was in error and I did not overdraft my account.

Business Response: Please see attachment.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.  Regards, ***** ******  

Business Response: Good Day Mr ***** ******, We are in receipt of your Better Business Bureau complaint and understand that you have been in contact with Regional Market Manager **** ******** in regards to opening your account. **** advised that you will be calling her once your account has been open.  If you have any questions, please contact **** ******** at ************. Thank you.

Consumer Response: 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, ***** ******

2/12/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On January 28, 2015 I went to purchase a *** ****** *********. Upon using a vending machine I tried this transaction for this purchase two times. Both times I was told the transaction was cancelled. Therefore I moved to the next machine and completed the transaction. The transaction was for $81. $80 for the fare total and $1 for the MetroCard. Upon seeing my statement I saw I was charged $81 not only for the valid transaction but two additional $81 transactions for the first machine which cancelled my transactions. I am very unsatisfied because I went into the bank to have these charges reversed or disputed and they said they couldn't help me until the transactions were charged against my account. TD Bank did not make any type of effort to satisfy me except to say come back in 5-7 days. Most banks and credit cards accept a dispute IMMEDIATELY upon the request from the customer and credit back the charges until the dispute is settled. Also,, why was I not notified of this mysterious activity on my card. Other credit cards (such as *********, and ******* *** bank) notify their customers IMMEDIATELY within minutes of these transactions. My daughter has a discover card and I have a ******* *** credit card and I've seen it done. Why does TD Bank not provide this service. I would like to put this on record for other customers who are thinking of becoming TD Bank customers so they can see how little of an effort TD Bank makes in helping their customers in settling disputes.

Desired Settlement: Would like to see some action taken by TD Bank to expedite me getting my credit back.

Business Response: Please see attachmentThank you

Consumer Response: 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 #********. The Manager who spoke with me, Mr. ******** handled the matter quickly and professionally. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, ******* *****

2/11/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: HI my name is ***** * ****** of ** ***** ** ********** connecticut ***** ********* SSN: *********** The mentioned company TD Bank N.A. has failed to remove themselves from my three credit bureaus reports. My account under the automobile loan with TD Bank was opened July 30, 2007 and the debt was paid in full/settled June 11, 2009. My conversation verbally with the bank concluded in me paying the debt and the bank removing all marks from my three bureaus reports, nothing on their part was done. I will either need a letter of debt determination stating why it is also on my report still or it needs to be immediately removed from my credit bureaus reports. If it does not happen immediately I will be seeking legal action against the company.

Desired Settlement: My desired outcome is for the mark that has been on my report for several years to be removed from all the credit bureaus reports, or I will be taking further legal action against the company.

Business Response: Please see attachment.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.  I still am not fully convinced that it indeed is me ***** *********** ****** that had those late payments, considering I never missed a single payment and it was also electronically withdrawn from my account every month, their would be no reason it could ever miss a payment unless it was your system that did not withdraw it.That being said anyways the credit agencies state that after seven years after closing an account that the account be removed from all three credit bureau reports.If this is not understandable then I will be taking this to a legal standpoint.I am requesting one last time that the account be removed from my credit bureau statement and or missed payments be removed. Regards, ***** ******  

Business Response: Please see attachment.Thank you.?

Consumer Response: 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, ***** ******

2/10/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I started banking with TD last year mainly because the convenience of it. Being opened 7 days a week gave me a chance to work around my busy schedule however there have been several issues with TD that have left me in debt with the bank and questioning their integrity. The first time this happened was when I was enrolled in the debt card advance without my recognition. This was last year- with what I believe was a $140 fee. I was confused and went in to find out what happened and they told me I signed a form permitting this. They then refunded my fees, not explaining how any of this had happened, and sent me on my way. Now again, almost a year later on the dot, I’m apparently enrolled in debit card advance and they say I deliberately enrolled myself in this program. It racked up over $500.00 in fees and I’m still paying for it over a month down the road. I've had the worst customer service here and have wanted to cancel my account but they won’t let me because apparently there are over $1000.00 in pending transactions!!! I’m so confused this is not the first time something has gone wrong with TD Bank but they keep pointing the finger at me and all I want are answers- now I feel like there is some sort of fraud on my account and I can’t do anything about it. I’m worried, confused, and drowning in unexplained fees from TD Bank. I was told originally that an overdraft was $35 per transaction, only looking into this situation AFTER it happened has some light be shed on the situation. I need someone’s help.

Desired Settlement: I want TD Bank to refund the overdraft fees so I can become current and I want to cancel my account with this company.

Business Response: Please see attachment.Thank you

2/10/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have no account with TD Bank yet EVERY day I get an auto dial, sometimes multiple calls, to my personal home line (*******, day time number I provided) from TD Bank for someone named ***** "*******". I have spent time to call and inform TD Bank that their customer information is wrong and provided information but the calls have not stopped. The bank says they can't look up the account based on my phone number. Lie. They have my number scheduled for a barrage of calls, they can find what account this is linked to and stop it. They can call ******* and verify this number belongs to me and not their customer. My number has been on the do not call list and I have NO account with them. This is harassment.

Desired Settlement: Immediate end to the harassment.

Business Response: Good Day Mr. *****, We are in receipt of your Better Business Bureau complaint. After research, we are unable to locate out bound calls being made to the phone number that you provided.   We do not have that number listed in our files. ******* ** ******** | 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 had to block my phone from getting ALL calls except for a designated few. Once I saw the “response” I wanted to get evidence so I opened my phone to calls again. Now I have their recorded message stating that it is TD bank. I am in the process of converting this to a file I can upload in a response. Regards, ***** ******    

Business Response: Good Day Mr. ******,                                                       We apologize for the phone calls that you are receiving. Would you be able to provide a telephone number the next time you receive a call? You can email the phone number to chairmansservicecenter@td.com Thank you, ******* ** ******** | Customer Advocate Chairman's Service Center TD Bank, America's Most Convenient Bank ®  

2/9/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I recently reached out to TD Bank pertaining to a 30 day late that was being reported against my TD card account. I had explained to TD's customer service department that the late was incurred due to a banking error with my checking account , where a scheduled payment did not get processed and I would not find out about this issue upon my return home from a work related trip. TD's customer service rep asked me to provide documentation and proof of the bank error with my checking account and said they'd correct the 30 day late if I was able to provide this documentation. Last month I was able to forward TD information from BOA that detailed the banking error as well as statements from TD bank also which showed I had sufficient funds to make the minimum payment.

Desired Settlement: Despite forwarding TD the information they requested, my request was to remove the 30 day late was turned down. I have proved this was a banking error at my bank and also proved that I was financially able to make the payment had I known about the deliquency. I am requesting once again that the 30 day late payment be removed from my report ,this minor issue has caused me tremendous grief as it is keeping me from closing on a $million refinance deal for my home.

Business Response: Please see attachmentThank you.

Consumer Response: [ I am accepting the response under the condition that the late payments will be removed from my credit report within 30-45 days and the late not reappear on my report.] 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, ****** ****

2/8/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have a "convenience" checking account with TD bank which states that if I go below a certain amount I will be charged a $15 maintenance fee. On the 23rd of January I went below this fee so I made a transfer from another bank account to my TD account in less than 24 hrs that would have brought my account into good standing. I contacted TD through their 800 number and asked them to remove the maintenance fee to which they refused. Also, when I first opened the account I opened the account online and made a transfer from a savings account with another bank. I did not touch or use my TD account for months and when I did I was shocked to see my account overdrawn from maintenance fees. I contacted TD then but they said they never received the transfer and after explaining to them and providing proof of making the transfer they refused to remove all the maintenance fees and only removed one month. I plan to close my account as this has become very inconvenient from a bank that calls themselves the most convenient bank.

Desired Settlement: I would like the maintenance fees removed and refunded and I will be closing my TD account.

Business Response: Please see attachmentThank you

2/8/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My wife and I have both a checking and a savings account with TD bank. We recently had an overdraft occurrence around the holiday that we believe is unfair and unethical. Over the holiday of New Years eve, we paid our bills before the new year and were lucky enough to be able to go out for the night on new years eve to celebrate my birthday and the new year. On January 2nd, we noticed that a large sum of transactions from the holiday finally came through, yet the check that we deposited, did not come through. We then noticed $175 of what were determined to be overdraft charges from a few purchases at different bars throughout the night, even though we had put a check into our checking account that could account for all that was spent on bills and the night out. None of the managers at either of the local branches could do anything about it. We have never made a mistake like this before and have always had money in both our savings and our checking account. We were offered some Debit card service thing of which was explained to be like overdraft protection (being if we had money in the savings account we would be okay), come to find that it is not that, in fact it causes the account to not decline, which caused the overdraft and all the charges!!! I don't see this as any fault of mine, yet when I spoke with a customer service representative, ***** stated that it wasn't his/her fault and ***** could probably give me $35 back because they were feeling nice. If they can give me $35 back...why can't they give me all of it back. It was ONE mistake in two years and it wasn't even a real mistake!! It was just timing of when the check went in and when the money was coming out...I feel cheated out of my money.

Desired Settlement: I want my money back in full ($175) and I want TD bank to live up to the "Legendary" service that they promote themselves as having as stated on the overdraft letter they sent me.

Business Response: Please see attachment.Thank you

2/5/2015 Billing/Collection Issues | Complaint Details Unavailable
2/4/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I opened up a savings account a few months ago with this bank. I was told that it would be connected to my checking account in case there was an overdraft issue. I was told that the money would come directly out of the savings account if this happened. My account overdrafted and instead of taking the money out of the savings account, which clearly had the funds, they charge me overdraft fees of $630 When I went to the bank to speak of the issue I got the runaround and was told that the savings account was never connected to my savings. They refunded $175 of the $630 but will not refund the rest.The sales associate at the bank who opened the account should not be misrepresenting the product as a safety precaution for overdrafts. 1 kiwi 1 mango 1/2 flats of blue, black and rasp Thanks

Desired Settlement: I would like the $455 of the $630 that I did not receive back from the bank.

Business Response: Please see attachmentThank you

Consumer Response: 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, ******* ********

2/2/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: As previously noted in a Class Action Suit, TD Bank has fraudulent overdraft services. The charge overdrafts at the front end (pending transactions) so as to force a cascading incurrence of overdrafts and then charge again when they 'clear' the transaction. in effect double dipping and charging consumers twice. making it almost impossible to get out of the devolving cycle of OD fees. This si not a new practice, but TD Bank cannot seem to learn from their immoral practices. As you can see below, had the OD fees not been charged in advance, all transactions would have cleared without incident. example: Show Transactions from Last 10 Days My Current Statement My Previous Statement All Available History Show By Date Range: From Date Range From to Date Range To Show History Date Type Description Debit Credit Account Balance 01/14/2015 FEE OVERDRAFT PD $140.00 -$200.60 01/13/2015 DEBIT CARD **** DDA PUR ****** ** ****** ***** ** **** ******* * NH $16.96 -$60.60 01/13/2015 DEBIT MAC'S MARKET PURCHASE Check # 811 $19.06 -$43.64 01/13/2015 DEBIT CARD **** DDA PUR ****** ****** ******* LLC WOODSTOCK * VT $30.00 -$24.58 01/13/2015 DEBIT CARD **** DDA PUR ****** ******* *** * NY $54.99 $5.42 01/13/2015 FEE OVERDRAFT PD $70.00 $60.41 01/12/2015 CHECK CHECK #***(View Check Image) $20.00 $130.41

Desired Settlement: refund of appropriate overdraft fees

Business Response: Please see attachment.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.  If you look at the attached document and note the highlighted fields, you can see where the overdraft was charged twice for the same transaction.that is a deceitful and, I believe, illegal practice. Regards, **** *********    

Business Response: On January 12, the items you highlighted were debit card authorizations which were pending. No overdraft fees were charged on those items. On January 13, the items that you highlighted were items that posted to your account. Your posted items totaled more than your available balance causing overdraft fees. If you have any further questions, please visit your local store or call us at **************. Thank you, ******* ** ******** | Customer Advocate Chairman's Service Center TD Bank, America's Most Convenient Bank ®  

1/30/2015 Problems with Product/Service | Complaint Details Unavailable
1/27/2015 Problems with Product/Service | Complaint Details Unavailable
1/26/2015 Billing/Collection Issues | Complaint Details Unavailable
1/26/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I signed up for a business checking account. I was automatically enrolled into what they call advanced debit card. That means that my debit card was my used for my overrage charges (which doesn't make sense at all. I would never sign up for a service like that. So needless to say, I was hit with seven $35 bank fees. That's $245. So I went into the bank and asked why didn't they tell me about this service or why wasn't it given to me as an option and the rep told me that they're not allowed to give me that as an option when signing up. That I had to call in to opt out of such services. Very sneaky services. If I had known of the service and chosen it is one thing but to give it to me without the option to opt out and then charge me all of the overrage fees is wrong. Meanwhile, I

Desired Settlement: The bank only honored one overage fee. If one was wrong then all seven were wrong. I should have been given the opportunity to opt out of that service.

Business Response: Please see attachment.Thank you.

1/25/2015 Problems with Product/Service
1/23/2015 Billing/Collection Issues | Complaint Details Unavailable
1/23/2015 Billing/Collection Issues | Complaint Details Unavailable
1/23/2015 Problems with Product/Service | Complaint Details Unavailable
1/23/2015 Billing/Collection Issues | Complaint Details Unavailable
1/18/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On this date December 23,2014 I went in to TD bank on 125st I deposited $200 and I had an overdraft of $36.72 I paid it off and the remainder of the $200 was to be left in account. Then when I tried to access my Money , ?I was told my account was closed!! I contacted them several times they told me 2-3 days it's going on 9 days now. I need my money returned to me.

Desired Settlement: I want access to my Monet via cash or check immediately. Throughout both holidays I remained without funds, New Years Eve Broke!! Kept down my daughter for Christmas functions! This is not good and a very slow reaction to this problem.

Business Response:

Please see attachment.


Thank you

1/18/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: We are talking about td bank so let me explain what happened. i was going to over draft my debit card in order to pay for a few last minute christmas gifts but i did not want to get charged any additional fees so i called the td customer service line to find out EXACTLY what i had to do to avoid being charged the $35.00 over draft fees. the women told me all i had to do was put the money back into the accounts before the fees were posted the next morning and id be all set. so thats what i went on to do. that morning everything on account looked fine it showed me that my account was back to normal and that i was all set but the next day the fees went threw and my account was under. and now my account is under 250 dollars because of pending transactions that they charged 35 dollars for each individual transaction which is normally how it works but that was the purpose of my call to them before i did anything so that i would not get charged those fees. now a few days go buy and i keep getting charged more and more fees i call again on the 25th to complain and she refunds me 35 dollars and tells me that my account will not be charged any more fees so not to worry about that. the next day (the 26th) i check my statement online and there was another 105 dollars of over draft fees so i call them once again. i tell them exactly what the situation was and the man with a horrible tone and a complete lack of care told me there was nothing he can do but that he could have his manager review the calls and see if it was true that they had miss informed me about the process and the status of my account. he told me his manager would call me back within 48 hours. 48 hours pass and no call so i call back once again to make sure that someone is still going to call me. i ask for a supervisor and he tells me that i never spoke to anyone on the 23rd nor the 25th and that he wasnt going to do anything for me. i suspect that they reviewed the calls, saw that i was correct and some how erased or hid them so that they wouldn't get introuble. i knew the names of the supervisors i had spoken to on those dates and they told me that those names were wrong and that i never spoke to anyone. EVERY TIME I CALL THERE CUSTOMER SERVICE LINE I GET A DIFFERENT ANSWER WITH DIFFERENT RESPONSES TO EACH QUESTION. its incredibly inconsistent and they refuse to help me. im having to pay 250 dollars of fees for them giving me wrong information and miss leading me. and now they are hiding things to not have to help me it just is not right

Desired Settlement: i would like for them to restore my account to how it was once i put the money back on the 24th because that is how they told me it would have been. had it not been for there wrong information, lies and tricks i would not owe them anything. my account would still be good and i wouldn't have any issues so that's what i want for them to make me whole again

Business Response: Please see attachment.Thank you.

1/15/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: First of all, I have been charge 3 overdraft fees for one item that had over drafted., Resulting in two separate charges. One for $70 and another for $35. An overdraft of $35 should be the only charge on my account. This also isn't the first time this has happened to me. Another time, I was charge 5 overdraft fees because a big check posted before 5 smaller charges ( how convenient) and I had called customer service and only ONE overdraft was credited to my account as a "courtesy" As a result of that "courtesy" , my account has over drafted a couple of times due to TD BANK errors, and all of those times, I was told by TD bank representatives that the charges stand even though it was there error because a customer is only allowed ONE courtesy credit!!! One of these instances, I was charged $35 for a $0 charge on my account. (meaning I had set up a future payment with another company, and my account information was being verified) I was told by a TD bank rep that an overdraft fee will come out for a $0 because it means funds MAY come out. I am a single mom who struggles as it is. And for money to be just stolen from me time and time again, is not right.

Desired Settlement: I would like ALL the over draft fees done in error by TD bank to be replaced to my account.

Business Response: Please see attachment.Thank you.

Consumer Response: 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, ******* ********

1/14/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I am trying to get a copy of the title to my car. The car has been paid off. I tried getting a copy from the BMV title bureau and they said they could not get me a copy since their still shows a lien open on it, plus the banks name is on the title and it never got put into my name. When I bought the car my last name was Ambrose. I have tried multiple times to get ahold of a person at the bank and I keep getting put on hold. I have been trying for 3 months.

Desired Settlement: I would like the title, and I would like the title fixed correctly to reflect my name and not the bank's.

Business Response: Good Day ********,A copy of your car title will be mailed and you will be receiving it shortly. If you have any questions, please contact me at ************. 

Consumer Response: 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, ******** *****

1/11/2015