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 Bank

  6 Main St Granville, NY 12832-1104

• 

  TD Bank

  75 Rockefeller Plz New York, NY 10019-6908

• 

  TD Retail Card Services

  1906 Lincoln Highway Edison, NJ 08817

• 

  TD Retail Card Services

  2200 Route 66 Neptune, NJ 07753-4062

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:03/04/2025

  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.

  Customer Ref #****************-#***#Primary Account: 444-8325096 To Whom It May Concern,My name is ***** ******, and my sister, *** ******, has informed me that you closed her account and are unlawfully withholding her funds-money she urgently needs. Let me be clear: you closed her account, not her, and there is no justification for holding her money this long.There were three transactions from my account intended for her, and I am providing the **** and transaction numbers for your immediate review. These payments were made on January 15 and 16, 2025, yet the $20,000 has still not been released. Your branch representative claimed the funds "have not cleared yet," which is completely odd given the amount of time that has ********* sister and I have made multiple attempts to resolve this, including repeated phone calls and three-way discussions, yet we have been given no clear resolution. Instead, your representatives continue to send her in circles-phone support tells her to visit a branch, and branch staff tell her to call-wasting her time and causing unnecessary frustration during our workday.Can we please work together to resolve this? Below are the transaction details.20K on 1.05.2025 : ****: 20250115MMQFMP9N00056 20K on 1.16.2025: Transaction ID #ACH: ************ 90K on 1.16.2025: Transaction ID #ACH: ************ Please give one of us a call if you have anymore questions to help you resolve this Sincerely,***** ****** ************ Yn ****** ************

  Business Response

  Date: 03/07/2025

  Good afternoon, please see the attached BBB written response. 

• Initial Complaint

  Date:03/03/2025

  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.

  I called the TD bank on 3/3/25 , I called TD Bank to because I cannot log into my account The last time I had this same issue. However, today, I spend 2 hours on hold and talking to **** who could not help me get into my account. I tried to change the password, that didn't work. I called the tech department and they do not show my correct phone number but the business department has the correct phone number. How is this real? This experience is very frustrating and unprofessional

  Business Response

  Date: 03/13/2025

  Good morning, Please see the attached written response to your BBB complaint. 

• Initial Complaint

  Date:03/02/2025

  Type:Customer Service Issues
  Status:

  ResolvedMore 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 Tuesday, February 25th TD Bank made the decision to close 2 personal accounts and a business account. After several days of calling the customer number, visiting a branch, and following up with a branch, no explanation was given as to why. A manager in fraud suspected the closure was due to erroneous errors TD made in adjusting the account. TD was making several adjustments on my account, and even a "phone transfer" the day prior to this closure.Since the branch is avoiding assisting me, and every time I call into customer service they seem to pass me back and forth like a football and put me back in the IVR-call queue after spending 30+ minutes on every call.Since fraud found where TD made incorrect adjustments, I need TD bank to either reinstate my account or assist with an expedited closing and turn over remaining funds.I literally have no means to manage these accounts, and its causing problems that i am not responsible for. Including an incident where I had to walk out on a service rendered that could not be paid for; I could be in jail right now over TD banks negligence. The next step is to engage the **** and FTC; as this is outrageous.

  Business Response

  Date: 03/11/2025

  Good morning, Please see the attached BBB written response. 

• Initial Complaint

  Date:02/28/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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 11/22/24 I was charged the $25 account maintenance fee. This is for when qualifying activities are not met. I believe this is incorrect because the average daily balance I calculated for this statement period was above the $2,500 need to waive this fee. Please explain.Also, since I have never been hit with this fee before, I am kindly asking to have this fee waived as a one time courtesy. I have enjoyed working with TD Bank and look forward to finding a resolution to this matter. Thank you!

  Business Response

  Date: 03/05/2025

  Good afternoon, please see the attached BBB written response. 

  Customer Answer

  Date: 03/05/2025

  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 have confirmed that the business' explanation and clarification for their conduct makes sense, and have also confirmed that they have refunded me as I asked. I appreciate the help from the BBB and the business, and I hope to continue our mutually beneficial relationship.
  
  Regards,
  
  ****** Law

• Initial Complaint

  Date:02/27/2025

  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.

  TD Bank Customer Experience Advocacy ******************************************************* Re: Dispute of HELOC ******************* Reporting Case ID: CFPB *************** Dear *****,I am writing to formally dispute the assertions made in TD Banks letter dated February 17, 2025, regarding the denial of my Home Equity Line of Credit (HELOC) application. The decision was based on inaccurate and unverified information, which has adversely affected my financial standing.1. Inaccurate Foreclosure and Property Sale Information Your letter states that my property was in the process of foreclosure and sold in January 2025. This information is incorrect. According to records from the County Clerks office, the last deed transfer was to the ***** ******* Irrevocable Trust in October 2024. No foreclosure or sale occurred in January 2025. Relying on erroneous data without verifying official records constitutes negligence and has led to an unjust denial of my application.2. Misrepresentation of Transaction Nature TD Banks 10-K filings and SEC prospectus disclosures classify loan applications like mine as securities-based transactions. My application served as security collateral; however, the denial was based on credit scoring, which is irrelevant in this context. This misrepresentation contradicts TD Banks publicly filed lending practices.3. Commitment to Fair Banking Practices While your letter emphasizes TD Banks dedication to fair banking, the reliance on false information and the misclassification of my application suggest otherwise. Such actions undermine consumer trust and violate fair lending principles.Requested Actions:1.Immediate Investigation: Examine the source of the incorrect foreclosure data and rectify any internal records reflecting this misinformation.2.Written Acknowledgment: Provide a formal statement confirming the inaccuracies in the initial assessment and outlining steps taken to correct them.

  Business Response

  Date: 03/04/2025

  Good afternoon, Please see the attached written response to your BBB concerns. 

• Initial Complaint

  Date:02/26/2025

  Type:Sales and Advertising 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 02/07/25 i was charged a $35 dollar overdraft fee for a negative balance ! I explained the reason for the negative balance which occurred ******* i had death in the family so the representative refunded the overdraft fee for feb 7 and the maintenance fee ! Now i checked my account i have another overdraft fee for $35 for feb 25 which was a automatic payment and for $29.75 spoke with a supervisor stated she couldnt assist me explaining they have already reversed the previous charge and yet i stated i have 2 overdraft fees in the same month have some courtesy i explained i had a ach deposit that was coming through feb 26 ! I will also contacting the consumer affairs!

  Business Response

  Date: 03/07/2025

  Good morning, please see the attached BBB response letter. 

• Initial Complaint

  Date:02/25/2025

  Type:Product Issues
  Status:

  ResolvedMore 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 was in mortgage forbearance due to financial difficulties with student loan payments. When ending my forbearance term I asked for a a deferral and TD bank then asked my to fill out an "request for financial assistance" form. I did this as asked and they sent me a message that I did nit submit the application. I called TD and resubmitted the form and they confirmed receipt of this form on Jan 8th 2025, the deadline was Feb 13 2025. I received a letter from them dated 2/19/2025 that states I was Denied deferral because I did not submit my "request for financial assistance" application. The TD bank loss mitigation office has verified that my application is complete and not missing any items and that they are unsure what the issue is. I have called everyday for an update on the status and I still have no information on what to do next. I was informed that I am at risk of foreclosure, which makes no sense because I can make payments whenever they agree on the exit terms of my forebeafance. I would simply like to resume payments and keep my home.

  Business Response

  Date: 03/06/2025

  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: 03/06/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ****** *****

• Initial Complaint

  Date:02/25/2025

  Type:Customer Service 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 was an employee with TD Bank I was threatened with termination and I was discriminated against because of my ADHD. I did what I felt was best for the customer and their ********************** and because of that I was threatened with termination and they started finding other issues and they were contradicting themselves and I feel as if I was discriminated against because of my adhd. TD Bank is not an equal opportunity employer. This was involving the contact center wow support where I worked.

  Business Response

  Date: 03/06/2025

  Good afternoon, Please see the attached BBB written response. 

  Customer Answer

  Date: 03/06/2025

  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.
  
  FAQ
  
  Regards,

  ********

   

   

• Initial Complaint

  Date:02/25/2025

  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 recently had to close two accounts with TD Bank North due to fraud. I had thirty days to pay back any negative charges that had occurred during the closing of the account. Against my permission the bank took money from my open accounts before thirty days to off set the negative balance. When I called to report the issue I was told that I signed a contract allowing them to do this within sixty days of the account becoming negative, the process of taking the available funds happened only within five days of the account becoming negative.

  Business Response

  Date: 03/06/2025

  Good morning, Please see the attached BBB written response and supporting documents. 

• Initial Complaint

  Date:02/24/2025

  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 canceled my account with TD bank 2 years ago. This was done in person, at a local branch. They assured me that all accounts associated with TD bank would be closed. Shortly thereafter, I was contacted by a **** collector who said I had money I owed to TD. This was the first I was hearing about it and the TD employee who I saw in person never mentioned this. The "debt" was sorted and the debt collector told me the case was closed.I have not heard a word since. Now, I am applying for a mortgage and my credit report showed that TD bank has been attempting to collect $120 from me since 2022. It has not only negatively impacted my credit report and the mortgage rate I am applying for, but it is also causing extreme frustration as I been to TD in person, called them multiple times over the phone (they drop my calls), and no resolution has been met. Not only do I need these negative credit hits TD has been putting on my account wiped, I also need to be compensated for the impact on my mortgage and the amount of time I've had to devote to try and resolve this problem - to which there is still no one offering me a solution. This has been a horrendous situation, no one will help me over the phone or in person. I have no active TD account to even see these charges and attempt to pay them. No one has reached out to me for 1.5 years about this yet they keep hitting my account saying I owe them money.

  Business Response

  Date: 03/04/2025

  Good afternoon, Please see the attached written response to your BBB complaint. 

  Customer Answer

  Date: 03/04/2025

  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. 

  My local ** ***** in ********** VT closed and I like have a branch nearby to where I live. October or November '22 closed both TD checking and credit card account
  
  
  1-6-23 received call from TD debt collector service informing me I had outstanding payments on my credit card. TD didn't properly close out the credit account. Immediately I paid in full any outstanding charges ($245) was assured any late fees/charges would be waived by TD Bank. Looking back on this now this clearly never happened and I was upset as I had been told both accounts had been closed and the two months of late payments negatively affected my credit score.
  
  1-13-23 Waiting for confirmation in the mail to confirm all debts were settled as TD bank assured me the paper work would be sent so that I could work with the credit bureau to try and clear my credit history. Mail never came so went in person to the branch in ********* VT to confirm both accounts were closed and there were no outstanding debts. Branch confirmed both accounts were closed out and no outstanding debts were on either account. 
  
  
  2-23-25 discovered $120 was owed on the credit card when doing a credit check for a mortgage. Called immediately only to be told the department I needed to talk to wasn't open on Sundays. 
  
  
  2-24-25 called a total of 7 times in order to get a hold of the right person, where I immediately cleared the remaining $120. The agent agreed the case needed to be escalated to their supervisor to try and clear the missed payment history to clear my credit score. He also said that on his end he did not see any attempts to contact me on the outstanding $120. Was assured I would get an update/call within 24-48hrs which did not happen. 

  Since then, I have been calling TD daily. No one can rectify this for me. The address on the statement you provided is wrong, they put a spelling mistake. My address is SCRAG mountain, not Scag. TD told me that all mail was getting returned, you didn't care to find the right address? 

  
  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.
  
  FAQ
  
  Regards,

  ******

   

   

  Business Response

  Date: 03/13/2025

  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: 03/18/2025

  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.
  
  FAQ
  
  Regards,

  ******

   

   

  Business Response

  Date: 03/27/2025

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