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

  75 Rockefeller Plz New York, NY 10019-6908

• 

  TD Retail Card Services

  3221 Route 27 Franklin Park, NJ 08823

• 

  TD Retail Card Services

  2200 Route 66 Neptune, NJ 07753-4062

• 

  TD Retail Card Services

  236 Sicklerville Rd Williamstown, NJ 08094-1502

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:02/04/2025

  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.

  I was charged $16 and some change on my debit card for audible. I dont have an account with audible and never have. I contacted both audible and TD Bank and I have not received any type of help from either parties.

  Business Response

  Date: 02/13/2025

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

• Initial Complaint

  Date:02/04/2025

  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.

  In Dec. 2020, my TD Bank ************** (high yield) account interest dropped to 0.01% without notification. I did not realize this until 11/2024 because I had been misreading my statements as 1% and not as 0.01% (and because it always said Rate bump next to the account name). I noticed in Nov. 24 and went to a local TD branch to discuss. The Asst ******* told me the ************** account hadnt existed since 2017 and that this was probably why my interest was so bad; he updated my account to their new equivalent high-yield product, ****************** I asked why no one had informed me that I needed to change my account type to keep high yield interest. He said they are not required to inform clients of changes on variable rate accounts. I told him I wanted to receive compensation for lost interest; since I always had 80K+ in the account, loss was approx $200/month for 4 yrs. He said he would speak to a manager and then left me a voicemail stating that retroactive interest had been credited to me ONLY for the full month of Nov. 2024. I was not satisfied, so I met with a manager on 12/4/24 who told me variable rate accounts change and I should've been monitoring my statements. I told him that I still wanted to understand why such a big reduction took place without notification. He agreed it was odd and was not sure why, but guessed that: the ************** account must have been set to automatically switch to a 0.01% rate at some point once that account type had been discontinued. I asked why it happened in 2020 and not when ************** was discontinued (which they had told me was around 2017). He didnt know. He said I must have gotten a notification about the new product ******************* and had not read the fine print about what would happen if I did not switch to the new account type. I asked for documentation of how customers had been notified of that or if something similar had happened to other customers in the same situation. He wouldnt tell me.

  Business Response

  Date: 02/13/2025

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

  Customer Answer

  Date: 02/20/2025

  Dear BBB,

  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 did not even answer my most basic request for information (much less provide any compensation).

  Here is what I asked for and did not receive any info at all about: [The manager told me that] my ************** account must have been set to automatically switch to a 0.01% rate at some point once that account type had been discontinued. I asked why it happened in 2020 and not when ************** was discontinued (which they had told me was around 2017). He didnt know. He said I must have gotten a notification about the new product ******************* and had not read the fine print about what would happen if I did not switch to the new account type. I asked for documentation of how customers had been notified of that or if something similar had happened to other customers in the same situation. He wouldnt tell me. Still no explanation as to why this supposedly higher interest account -- whose statements appeared in my inbox with "RATE BUMP" next to the account type -- switched to .01% interest with no notice.

  In their response, they explained why they cant automatically change [their] Customers product types. Of course they cant; I asked for proof that they had notified customers of this drastic change in interest and when it would take effect. They also repeated info that I already supplied in my complaint: namely that they did backdate part of one month's interest for me (out of YEARS); if they thought it merited compensation for one month, why not more?

  Ive never experienced so little transparency about a matter with such large financial consequences. If this is how TD treats is customers of 15+ years, I will be taking my business elsewhere and telling every single other TD customer I know to do the same. 
   
  Regards,

  *****

   

   

  Business Response

  Date: 03/04/2025

  Good afternoon, Please see the attached BBB written response. 

• Initial Complaint

  Date:02/03/2025

  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.

  Need LIEN removed from auto title. Was on phone for several hours with several people.

  Business Response

  Date: 02/11/2025

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

• Initial Complaint

  Date:02/03/2025

  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 have been unable to resolve getting my name changed due to marriage. I'm unable to go to a physical location and they refuse to change it via any other method. This is despite them having a secure message system that should be able to handle the request for name change documents such as my marriage certificate.

  Business Response

  Date: 02/13/2025

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

• Initial Complaint

  Date:02/02/2025

  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.

  On Sunday January 26, 2025, around 9:45 in the morning I attempted to make a deposit at a drive through ATM machine in *********, **. The check amount was $2077.47 and I signed the check prior to using the deposit slot on the machine.I have made deposits using the ATM's in the past, the machine will provide a receipt with a photo of the check. I have found that it often requires the check to be inserted numerous times before they are properly read, but this has not led to problems in the past. On my third attempt to put the check into machine, the machine would not read the check and would not return the check. The door closed and the machine took the check into the machine without any acknowledgement of the deposit, an error or a transaction. I immediately called TD bank and reached customer service after about 25 minutes. **************** was helpless.They told me that the machines are owned by Garda and that TD Bank has no responsibility for the operation of the machines. I would need to go into the bank to file a claim.I received no further response from the bank. I went to the Branch on Monday and filed a claim with the branch, The check is issued against another TD account, which I was able to provide. They offered to cancel the Check and make a deposit, however I am hoping to maintain a paper trail for the reimbursement from my mother in law to my wife and I. It is also unacceptable to me that my deposit is in the machine and the bank cannot recover it. In almost every other case, I would not have the ability to recover a check from the sender without a massive effort. I do not understand how TD can be so disengaged when it comes to maintaining control of deposits from the **** I have had no contact from ** regarding the Claim. I went back to the Branch, Garda has not returned to inspect the machine and there has been no action on the Claim.

  Business Response

  Date: 02/11/2025

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

• Initial Complaint

  Date:02/01/2025

  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.

  Three and half years ago, I sat down with a TD Bank representative and opened an *** **** account. However, I did not know I would not be gaining interest. When I received the tax document for 2025, my account interest was 0.53 cents. TD Bank used my money to increase its revenue. I would not have left ****** in their bank to benefit them. I was livid. The representative never explained the interest rate, which is 0.02 percent. I was duped and used without a gun. Moreover, I recently met with the bank manager, and she claimed she would give me ***** for the inconvenience of coming in twice. Then, they wanted to place me to place the money in a CD account with a penalty if I removed the money before time. This bank is disgusting; I lost three years of nothingness. I removed my cash. And the representative lied to my face about the ***** I never received.

  Business Response

  Date: 02/11/2025

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

  Customer Answer

  Date: 02/11/2025

  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: 02/21/2025

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

• Initial Complaint

  Date:01/31/2025

  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.

  Unwilling to work with clients. Puts money before client safety. My ex husband and I financed a vehicle in 2017. Divorced in 2020. Required a PPO order for safety reasons. He was awarded the vehicle as well as the debit. I mailed in the divorce degree. He was unable to refinance. I called TD over 100 times the last 4 years to keep this account in good standing and to communicate the situation. I have worked with them always to keep my credit from being damaged and added my name and number to the call list so I would be aware if he fell behind however they didnt call me. Once I learned it was late I Made the payment however this is impacting my credit to this day. I Filed for extensions I begged them to repo the car when he refused to pay. Because he is awarded the vehicle he has to sign off as well and wasnt willing to. This has caused me so much more than money I have not been able to break free from a very toxic relationship. This has forced me to beg and plead with him to work with me however he wasnt willing. I have always paid all my bills and take great pride in my credit. When I tried to work with TD I was told my only option was to pay or ruin my credit. I have filed disputes on all credit bureaus. I just wanted my credit to not be reflected by someone elses debit which I have been paying. This has been the worse business I have ever dealt with. Unwilling to provide call records to prove my intentions have always been to keep this current.

  Business Response

  Date: 02/05/2025

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

  Customer Answer

  Date: 02/05/2025

  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. 

  I appreciate the response and understand that the payments were late due to extraordinary events beyond my control. A review of the call records I believe would show these were not due to me being neglectful and I made payments when notified of the problem. I have contuined to pay this debit and will pay it in full. My ask is for a letter or a note to my credit file so this situation doesnt continue to negatively affect my credit in a negative status. My score went down almost 100 points. This is a beg and plea for someone to just show some compassion to an awful situation that I am working through to the best of my ability. 
  No one wants to be in this situation, but your lack of compassion has made an incredibly difficult divorce just that much harder. Im just asking for a letter or a note to the bureaus so I dont look like a piece of s*** to future creditors. 
  My future should not continue to be affected by my exs poor life choices.
  

  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: 02/10/2025

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

• Initial Complaint

  Date:01/31/2025

  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 Jan 14, 2025 I received a charge on Credit Card in the amount of $58.99. I then called the fraud **** at TD bank and they closed the credit card and provided an adjustment credit of $58.99 while being investigated. As of Jan *******, TD has charged the account $58.99 and claim it is not fraud as it was purchased by me. I called TD bank to see if they could provide me with a phone# for the merchant and they state they have no other information other than it was a purchase at a luggage and leather store. I would think there would be a phone # or a listing of where the purchase came from but TD is telling me it is all my fault and that I purchased this item as they say they have proof of it being delivered. I would honestly like to know what I purchased for $58.99 because if it was delivered like they say, I have receiving nothing. I will be closing my checking and savings account as well with TD Bank if no resolution.

  Business Response

  Date: 02/13/2025

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

• Initial Complaint

  Date:01/31/2025

  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've had TD bank in the past my brother current account holder with there services it was a white man he was very disrespectful and racist towards my brother given him a hard time to assist him a young white lady came into the bank needing help as well and he just ignored him standing there and helped her the security guard witnessed the racist white man treatment of telling him he can't have two phones to receive his codes he previously went into the bank the other day same man never respected what he was trying to handle what caused us to go back there due to having to go back into the branch Because he have flagged his card and wasn't sending no codes when purchasing items we went to another TD bank on ************** and had no problems with his service I want to let this be known that's discrimination is a criminal offense and in banking business or any other business and should not be tolerated by any means necessary.

  Business Response

  Date: 02/07/2025

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

• Initial Complaint

  Date:01/29/2025

  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 have purchased ************************ back in 2023. At the time, I was added to the bank account that had already been established for several years with TD. Upon doing so, I was never asked if the TIN changed. Therefore, I only ran into several issues while changing the name of my business in Jan of ********* forward to December, I alerted TD that I have changed the name of my business and we were in hopes we could stick with the same account and just update the name. However, since the TIN was never changed when I purchased we were unable to do so. Mind you, this took over a week to get that information. We finally are able to open a new account. However, was never informed that ** would hold 75% of the checks I deposit. How am I supposed to provide hay, grain, bedding to my horses?!?!?!? Mind you, this hold is for SIX DAYS. Even though I got a letter in the mail stating it would be ONE day hold. Please note, this was also not stated to me until AFTER I called a few days later furious. I also called customer service and was told there was nothing they could do on their end. Come to find out, theres also a limit on how much you can remote deposit for the first serval ********* Im sure you can understand, I am running a business that spits out over 10K in expenses monthly. Its an agricultural business and I think there is enough awareness to know, this is already a tough business. Unfortunately, TD youve only made it more complex, frustrating and just down right, unreasonable. How am I even supposed to balance a checkbook?! NONE of this information was relayed to me until AFTER. You have put me in a huge financial predicament with not only my animals, but the vendors I work with on a monthly basis. Mind you, Hillside the account where the business came from had been well established and only had to open a new account because of the fault of the advisor I had, not asking a question when I first was added to the account.

  Business Response

  Date: 02/06/2025

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