Complaints

This profile includes complaints for TD Bank's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  TD Bank

  10 Great Falls Plz Auburn, ME 04210-5915

• 

  TD Retail Card Services

  3221 Route 27 Franklin Park, NJ 08823

• 

  TD Retail Card Services

  617 Lafayette Ave Hawthorne, NJ 07506-2419

• 

  TD Retail Card Services

  19 S Virginia Ave Penns Grove, NJ 08069-1716

• 

  TD Bank

  2918 N Main St Anderson, SC 29621-2759

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/13/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello, my name is ******* *****. I opened up a TD FlexPay credit card back in july of 2024. I added my wife, ******* *****, as an authorized user, and a card was shipped to us. We never received the card. The card was more than likely stolen out of the mail, and then used at a store called "STVTEMENT" on 10/13/2024 located in king of prussia mall for $825.00. I recognized this was NOT my charge, and called a few days later. On 10/21/2024, I filed a dispute, giving all the above information and probably more. Dispute was put in, and then denied due to it being used as a chip entry therefore was not fraudulent. This claim was C-2118726 After being notified of my denial, I contacted TD again, to dispute the denial. This dispute was denied again. This claim was C-2232380 After filing the first dispute, I called the store and spoke to the team, they confirmed the date and amount of the transaction, and knew it wasn't me. They even said the guy was acting shady during the purchase. The card that was used for this transaction was the new card I had ordered for my wife ******* *****. I have since locked that card.After speaking with TD, yet again, I'm now being told that a charge cannot be disputed more than twice. This is unacceptable. I should NOT be responsible for this charge, and should NOT have to do the detective work. And I'm sure by now, over 4 months later, their security footage for the transaction might not be there. After numerous phone calls asking to speak with a manager, or anyone else in the department, they are upholding the denial and refusing to look into it further. They have conflicting information on their end, and seem to not fully understand what is going on here. This needs to hit someone's desk and have them actually do some investigation to see that this charge is in fact fraudulent and not go off of whatever system they use, because its obviously greatly flawed.

  Business Response

  Date: 03/21/2025

  Good day. Please see the attached interim letter while these concerns are investigated. A full response will be provided once the investigation is complete. Thank you, 

  Customer Answer

  Date: 03/21/2025

  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 do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

   

  The letter that was sent is progress, but the issue is NOT resolved. I will await the escalation to their leadership team, and the response, before I can mark this complaint as accepted. Thank you for being a part of this process.
  
  FAQ
  
  Regards,

  *******

   

   

  Business Response

  Date: 03/31/2025

  Good afternoon, 

  Please see the attached BBB written response. Thank you,

  Customer Answer

  Date: 03/31/2025

  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 do not provide any details, your complaint will be closed as 

   

  Ive left numerous messages with ******* asking for proof about me activating the card. I did not activate the card. Please provide proof of me activating the card. Without the proof of me actually activating the card, how can you deny my claim and say that this is not a fraudulent charge. *** also contacted the postal inspection service, and my service request number with them is 75759954. How about you give them a call and actually investigate like it says you do on your site. 

   

   

   

   

• Initial Complaint

  Date:03/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I made a payment for Exoticca Travel through TD Bank ********** Under its Cashback Reward policies, Travel categories should be 3x points. However, TD ********* only awarded 964 points (1x point) for the $964.40 transaction on March 1, 2025. I called TD Bank **** CS on Mar 13 to have the additional 1929 points be added. The CS agent ****** was no help. When I spoke with the CS supervisor *******, she said that she could not add the points. I pointed out to her that a November ******* transaction with *************** gave me 3x points for the spend. She was making hypothetical situations that Exoticca Travel might have changed their merchant code WITHOUT checking. She was just guessing rather than confirming. She was making excuses rather really explaining what happened. I pointed to her that the two transactions were connected as the 2024 was a downpayment and the second one is the full payment. The merchant even has "Travel" in its name. I even said that I can provide documents to prove that it is a ************* and not an entertainment company. She made me wait more than 5 minutes to say that she could not get in touch with the bank CS. She said that she would file a request that would take 30 days.Other credit card's CS supervisors could easily fix the issue by checking facts and policies with the Cashback reward program. Apparently, TD Bank ********* CS supervisors are making speculations and doesn't have any capability to correct wrong transactions by making logical and sound judgement. Their CS agents and supervisors have poor support.TD Bank ********* credit card should add 1929 points to my TD Bank ********* Rewards account. TD Bank **** should call-out their merchants to reflect the correct codes for their businesses if they want to keep their customers -- Credit Card users.

  Business Response

  Date: 03/20/2025

  Good day. Please see the attached interim letter while these concerns are investigated. A full response will be provided once the investigation is complete. Thank you, 

  Customer Answer

  Date: 03/21/2025

  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 # ********.

  For a simple issue and with documented evidence provided, it will take them 5-7 business days. Other credit card companies resolve the same issue with a simple call to the ***************** But TD **************** supervisor said it takes 30 days. The points are still NOT added.

  Regards,

  *****

   

   

  Business Response

  Date: 04/02/2025

  Good morning, Please see the attached written BBB response. Thank you, 

• Initial Complaint

  Date:03/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint because my credit report contains unverified accounts that I do not recognize. These accounts are appearing under my name without my authorization, and I have every reason to believe they may be linked to a data breach or fraudulent activity. I take my financial security seriously, and I refuse to allow false or unverifiable information to damage my credit standing. These inaccuracies are actively harming my financial stability, and I demand immediate action to correct them.Despite my repeated attempts to obtain verification, I have not received any legitimate proof that these accounts belong to me. This blatant lack of transparency is a direct violation of my consumer rights. Under the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681g, I am demanding full documentation proving the validity of these accounts, including:Company Name: TD AUTO FIN Account Number: ********** Reported Balance: $0.00 I require real, verifiable proof such as original account applications, signed agreements, or transaction records confirming their legitimacy. A generic response stating that the account has been "verified" is not acceptable. If no such documentation exists, these accounts must be immediately removed under FCRA Section 611(a)(5)(A)(i), which mandates the deletion of unverifiable information from consumer credit reports.Additionally, I am filing a formal complaint with the Better Business Bureau (BBB) against them, as this company has failed to provide proper documentation proving the validity of the reported account. Their refusal to supply supporting records and their failure to conduct a legitimate verification process are clear violations of federal law. I expect an immediate investigation and a full response addressing this issue.

  Business Response

  Date: 03/20/2025

  Good afternoon, Please see the attached written BBB response. 

• Initial Complaint

  Date:03/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act.Delete account immediately for violating 15 *** 1681 EB.

  Business Response

  Date: 03/20/2025

  Good day. Please see the attached interim letter while these concerns are investigated. A full response will be provided once the investigation is complete. Thank you, 

• Initial Complaint

  Date:03/11/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  TD Bank Employee ******* ******** NMLS # ******* has been making a mockery out of me. I have been asking for assistance into my online portal account. Not having access has been delaying my loan process as I am unable to review and confirm documents. Most recently she asked me to falsify business documents. She asked me to use my middle name to create an account. I do not have a middle name. How do I create a false account? How do I falsify my name? How do I falsify a loan application? How will this allow me to get my loan approved? How do I trust her? If this lack of integrity is the standard how can anyone trust this bank moving forward? What am I supposed to do moving forward? I would like to speak to a manager and also have an employee with proper integrity assigned to assist me with my loan.

  Business Response

  Date: 03/21/2025

  Good afternoon, please see the attached BBB response for review. Thank you, 

  Customer Answer

  Date: 03/24/2025

  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 do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  The response states to alter my name; it just needs your name to be slightly different.  This message was sent after the phone call that you claim to have reviewed. This is rude to anyone being put into this situation.  Also the electronic access was never fixed. The incorrect number is listed when logging in 2530 is not my number; 2430 is. The login system tries every time to send a code to 2530. This would frustrate anyone, not just me. 
  
  Regards,

  ********

   

   

  Business Response

  Date: 04/03/2025

  Good morning, Please see the attached BBB written response. Thank you, 

  Business Response

  Date: 04/03/2025

  Good morning, Please see the attached BBB written response. Thank you, 

• Initial Complaint

  Date:03/11/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Good morning, I have a business account with TD Bank scam was hit to my account 8 times in 1 day no notification . The company call them self USA TAX I do not owe any taxes . I call my bank they are claiming i pay he company and I did not. If you look on the account these are all fraud in 1 day. The bank have reverse some of the money . Not all of the money, there are no business call USA TAX and internal revenue or NY state will never go in a person bank account and just take money. I owe no taxes . I request my money back and only receive partial . I close the account currently. This is the account with the issue. ********** The location at ************************************* is the issue . My complaint is to the **************** and that location. This is my business account and i have no money to pay my workers. I'm asking if a complaint can filled and someone in corporate can rectify the issue so i get my money back. A phone call from corporate would be highly appreciated. At ********** Thanks

  Business Response

  Date: 03/20/2025

  Good afternoon, Please see the attached BBB written response. Thank you. 

• Initial Complaint

  Date:03/11/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Closed my account for spending my own money on *****. Said they were ending the relationship with me and reporting me for fraud when no fraud occurred. They cant provide and proof or see in their system where fraud was committed. Someone who was not supposed to expedited the closure of my account.

  Business Response

  Date: 03/20/2025

  Good afternoon, Please see the attached BBB written response. Thank you. 

• Initial Complaint

  Date:03/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. COMPANY NAME: TD/RAYMOUR ACCT #: ***. **************** $3,382.00/$3,382.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 03/19/2025

  Good day. Please see the attached letter. Thank you, 

• Initial Complaint

  Date:03/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 2/28 I deposited a check in my account for $3,880 via a drive thru teller at TD Bank. When I deposited this check I stressed to the teller this is the first time Im receiving a check from this company. My checking account balance was approximately $36. My savings account balance was approximately $90. I did not have $3,880 in either of my accounts to cover this check in the event this check did not clear. On 3/3 the check was still not deposited in my account. I called TD Bank customer service number and to inquire if I could receive the money faster. The customer service *** whose name is ******* told me the check could be released in as little as 24 hours. She then transferred me via phone to the TD Bank I went to in *********, **. The teller on the phone at the branch in *********, ** cleared the check. On 3/4 I spent the entire check. Now as of 3/5 the check was returned because it was a bad check. TD Bank is now charging me $3,880 stating the check was fraudulent.

  Business Response

  Date: 03/13/2025

  Good morning, please see the attached BBB written response. 

• Initial Complaint

  Date:03/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I went to the bank to open a CD I was told you need to have a checking account. I opened the checking account. I was informed no monthly fees. They did not link my CD to the my checking account. I never received a statement for the monthly fee charges until recently. Once I received the only monthly fee charges a statement I took it to the bank to get clearance. They closed my account and send me collection. I was told that you are getting a high CD rate and you have to have a checking account to get this rate . I believed her and opened the checking account and my credit rate went down 40 points because opening new account, which if I knew I am getting a lower rate CD, I would not open it and close the account and the *** Later I was told by another bank associate you are getting a low rate for your CD . Recently they claim they increase my CD rate to 3% plus . Which is money market rate for other banks.When I ask to talk with district regional manager I was referred to another Associate from a different bank which is not professional . I called several times (more than 6 times ) and they left me one message. I went to the bank .She tells me we are playing phone tag !!!! I called 6 times you called one time . I filed a complaint with TD Bank complaint department. I did not get an answer although I called 3 times.I notified the complaint department that they need to get back to me as this thing has been going on for a while . although the lady is aware that I am very frustrated and I am wasting alot of time . . I notified her than I need a call back . Other wise I am contacting the Better Business Bureau Obviously she didn't care.1 - I would like to close my checking account with TD Bank , get $ 50 fee charges and close my CD without any penalty.

  Business Response

  Date: 03/19/2025

  Good day. Please see the attached interim letter while these concerns are investigated. A full response will be provided once the investigation is complete. Thank you, 

  Customer Answer

  Date: 04/07/2025

  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 do not provide any details, your complaint will be closed as Answered. 

  In TD bank's response they said we are investigating the matter . I thought they would get back to us but they did not. Even I called the #  on their response ( If you need further assistance call this number ) I called twice and no one got back to me . 
  So they did not solve the issue .. Very frustrating . Ty  

  Business Response

  Date: 04/17/2025

  Good morning, 

  Please see the attached BBB written response. 

  Thank you

  Customer Answer

  Date: 04/18/2025

  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 do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  I did not get any response regarding my complaint.. i do not want to waste any more time please close case . . Thank you.  
  
  Regards,

  *****