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:04/24/2024

  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 went into the TD Bank because I know they are affiliated with M&T bank of NY. I wanted to transfer money from my savings account to my checking account. I did check on an ATM and I asked for a transfer of $100,000 but was denied not due to insufficient funds but that my card wasn't attached to my checking account or that the savings account was not attached to a checking account. I know I have a lot of money in my savings account but I couldn't access it. I went To TD Bank to straighten it out but was refused service from this person. *********************** NMLS ID # *******., this is the same bank as M&T according to ownership. ******************************* I believe is CEO that *** be blocking my usage due to fraud I have already turned into FDIC. Please notify FDIC about this as it is a continuous problem of fraudulent practices I have had with them.

  Business Response

  Date: 05/01/2024

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

• Initial Complaint

  Date:04/23/2024

  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.

  3/25/24 called TD bank b/c payment still had not cleared ******** wanted to see were they holding payment for processing. I was told that the account was late, but I had proof that I had made the last payment & at that time I talked to some1 about setting up account for Monthly Auto Draft. Rep said $678.47 was due, & ***** was due & she could waive it as long as I made the full payment. I explained that I had COVID at the time of sending in this payment & was too sick to deal w or leave to make payment & would've to do so over phone & could she assist w/making payment, she kindly walked me through making payment done on 26th. I'd ask at this time TD setup me up on Auto payment I am Disabled VET on a fixed income I don't want to give the truck back, but it is coming to that. I requested that I be provided with check ************************** routing # so I could send payment through military allotment monthly versus, having to depend on back. Lady stated they'd look into getting me the routing number to TD ********************** & till not I've not gotten that routing Infor. On the 26 March we did a stop payment for March pmt b/c it was still outstanding. Now currently the charged fee on last check that they magically found -check $677.99 & tried on 25 March when I called to inquire on pmt they were still stating they had not gotten the pmt & said nothing about charging of $(14.52 - *****) as result.I called 4/23 to see why they'd not auto billed w/info I gave on call & lady stated she apologized but other Rep never put me in for auto pay she just made MARCH payment she stated ***** charged is now on acct as of 3/25 check being cancelled w/bank on my end. I stated I was told by y'all to cancel due to non-receipt. Now I'm being charged fee of ***** I can't even afford this small charge from the company. It is as though they want people to fail on their payments. I'd like to ask is there a way to give truck back w/o ruining my credit. Fees starting to be 2much. Paid ****** w/late fee today.

  Business Response

  Date: 05/02/2024

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

• Initial Complaint

  Date:04/23/2024

  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.

  TD closed my account on 11/30/2023. Am yet to receive my money. I have made several trips to the bank. All am being told is the bank conducting investigation when monies deposited is legitimate funds. Please l need your help in resolving this issue. Thanks

  Business Response

  Date: 05/02/2024

  Good day. Please see the attached interim letter while your concerns are investigated. Thank you, 

• Initial Complaint

  Date:04/22/2024

  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.

  My account for TD Bank has been overdrawn for maybe around 30 days or so maybe less $65 so I had a ACH deposit going into the account for $900 and I had also written a check to My Son for his sports for $500 well somehow they crossed and I was unable to use my card on Sunday. It is now Monday and I have gone into the branch. My money is on hold and they basically gave me an ultimatum to wait for a review until I can access my funds or close the account my reason why any of my funds should be on hold when I dont owe the bank anything but $65.

  Business Response

  Date: 05/01/2024

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

• Initial Complaint

  Date:04/22/2024

  Type:Service or Repair 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 paid off my loan for Tesla vehicle and have yet to receive my ******. I've called several times and every time I call they tell me they are mailing it out.

  Business Response

  Date: 05/02/2024

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

  Customer Answer

  Date: 05/02/2024

  [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:04/21/2024

  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 RCS (***** ***** CORP) erroneously charged-off customer ******************************** while in good standing on 3/24/24 - 3-weeks after customer made $4,500 payment with TD representative (and while account was under SCRA protection). Customer paid remaining balance of $7,517.65 on 3/24/24, but in response to numerous credit report investigations, TD continues to report account as charged-off. Customer also called TD several times, but TD unable to provide explanation of what happened. TD rep noted on 4/01/24 that this was a strange case, credit limit on card reduced arbitrarily by TD on several occasions and account while current was charged off; no further details provided.

  Business Response

  Date: 05/01/2024

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

  Customer Answer

  Date: 05/01/2024

  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. 

  [The issues has been under investigation with TD RCS for over 103 days. During that time, customer had opened four separate disputes with each credit bureau and TD RCS has repeatedly informed the bureaus that the results of their investigation revealed that the account was charged-off with a $7,515.00 balance (which conflicts with the attached payoff letter). Request TD RCS take immediate action to update reporting information on customer credit report to reflect removal of charge-off status with account as Paid and never late.]

  
  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: 05/15/2024

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

  Customer Answer

  Date: 06/03/2024

  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 response to BBB complaint (ID #*********, customer was asked to contact TDRCS Customer Experience Advocate to further discuss investigation results. Customer called several times (and left numerous messages), but unable to reach designated POC. Customer contacted TDRCS **************** team, but agents were not able to provide any details regarding the account. Customer requested a copy of the reporting information that TDRCS used to certify the debt with the credit buraus, but was notified by TDRCS management team (credit dispute branch) that TDRCS does NOT make this information available to customers.
  
   
  
  Below is a summary of the issues/inaccuracies related to this complaint:
  
   
  
  Customer processed a payment via TDRCS customer service agent on 3/07/2024. TDRS agent confirmed that at the time, a charge-off had NOT been initiated. TDRS agent advised customer of *** payment option to prevent future collections and marked customer ********************** as Current following payment. Subsequent discussions with other TDRS agents (during the same week) confirmed that customer ********************** was in good standing.
   
  
  The August 2023 monthly statement provided to customer incorrectly shows $1,109.00 as the Minimum Payment Due by Sep 20, 2023 (which, appears to reflect outstanding balances of $537.00 and $572.00 for July 2023 and August 2023, respectively). However, customer made an additional *** web payment of $537.00 on 7/24/2023 (confirmation #********) which was not included in the account balance. Customer later requested, but never received a monthly statement for July 2023.
   
  
  For the billing periods between April 2022 to June 2023, customer made payments above the minimum/scheduled payment amount, resulting in a net overpayment of ~$626.00. It was anticipated that TDRS would apply the $626.00 overage to satisfy August/September 2023 billing periods. Given that the additional July payment (noted above #********) and excess payments in 2022-2023 were not correctly applied, payment information on all subsequent statements (as well as the culminating charge off amount) are incorrect.
   
  
  The February 2024 monthly statement provided to customer shows a Minimum Payment of $4,560.00 due by Mar 20, 2024. Customer made an *** payment for $4,560.00 on 3/07, as well as a final *** pay-off payment of $7,517.65 on 4/03 to bring account balance to $0 -- both payments should have credited to customer ********************** same day, per the *** payment terms outlined in TDRCS cardholder agreement.
   
  
  Discussions with TDRCS customer service agent on 5/10/2024 revealed that the customer ********************** was *********************** off on 4/09/2024 (NOT 3/2024 as reported by TDRS), which is approximately 30-days after statement balance was paid/current and 7-days after entire account balance was paid off.
   
  
  TDRS lowered the original credit limit on account from $15,000.00 to $12,888, then $8,578 and continues to wrongly report the status of customer ********************** as ********************** Off. //  $7,517 written off. // Date of Last Payment: 03/2024, mostly recently noted on Equifax Dispute/Credit File report dated April 18, 2024 (confirmation #**********) - although account was current/paid prior to 4/09/2024.
   
  
  TDRS late charge assessment, fees/interest and charge off actions were done while customer was under SCRA protection.
   
  
  Customer is requesting TDRS update ********************** information (with all three credit bureaus) accordingly OR provide documentation, specifically around when TDRS initiated the charge-off process, the length of time that charge off status/information took to reflect in TDRS internal systems, payment history w/ posting dates.
  
   
  
   
  
  Thank you,
  
  ************************* 

  Business Response

  Date: 06/12/2024

  Good day. The additional comments provided in your rebuttal have been escalated to the appropriate senior leadership team. A full response will be provided once their investigation has completed. Thank you, 

  Customer Answer

  Date: 06/27/2024

  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. 

  Requesting that this complaint remain open. Based on TD Banks last response, in which the business stated we have escalated your issue to our ********************* team for review and further research., this issue remains unresolved.  Thank you. 

  Business Response

  Date: 07/05/2024

  Good day. Our records indicate a full response was sent on June 14, 2024. We have attached the response for your records. Thank you, 

• Initial Complaint

  Date:04/20/2024

  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'm urgently contacting you to address the inaccuracies on my credit report resulting from the disclosure of my personal information to credit bureaus. This has caused significant financial and emotional distress.In accordance with 15 USC 1681 Section 602, I affirm my right to financial privacy and expect my information to be treated confidentially.Furthermore, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency is prohibited from disclosing account details without my explicit consent, which I have not provided.The errors associated with TDRC/************* have negatively impacted my financial situation, necessitating immediate correction.Additionally, I stress adherence to 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under specific circumstances.Below, you'll find my account details for your reference:Account Number: 600610103625****I urgently request a thorough review of my account, prompt rectification of the credit report inaccuracies, and strict compliance with federal laws governing my information.Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.Sincerely,*************************

  Business Response

  Date: 05/02/2024

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

• Initial Complaint

  Date:04/19/2024

  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.

  looks like not sending the title after the loan is paid off is not new to this company but here's the another one. since customer service is not willing to help. i paid the loan back in February 2024 but still hasn't received my title after multiple attempts. reached out to customer service to get an assistance but received a very rude response and hung up. according to the website it take 7-10 business day for the title to be released but it's been 2 months now but still failed to release the title after you got my money.

  Business Response

  Date: 05/01/2024

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

• Initial Complaint

  Date:04/18/2024

  Type:Delivery 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 never received noticed that my Savings and Checking plans were discontinued. I just realized that I was only getting 0.1 interest for past 3 years. I should have received a certified letter or phone call. They owe me 3 years of interest.

  Business Response

  Date: 04/26/2024

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

  Customer Answer

  Date: 05/06/2024

  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 complaint has not be resolved.

  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: 05/15/2024

  Good day. Please see the attached letter sent on 4/26/24. Thank you, 

  Customer Answer

  Date: 05/15/2024

  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:04/18/2024

  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 writing to bring to your attention an issue I encountered with my recent payments, and I kindly request your assistance in resolving it.Early this month I don't recall the exact date, I made a payment through your online platform, as I usually do, for my car loan account. However, upon checking my dashboard a few days later(4-15-2024), I was alarmed to find that the payment was still showing as past due. Recognizing this as a technical glitch, I promptly made another payment to ensure that my account was up to date.Regrettably, upon reviewing my bank account today, I discovered that TD Auto Finance had processed both payments *** made a double payment on the same date, resulting in an unintended duplicate payment. Consequently, I now find myself without the necessary funds to fulfill my obligations to another car loan provider. This situation has not only caused financial strain but has also led to additional fees, including a bounced check fee and charges from my bank for attempting to make the other payment.I assure you that I have consistently met my payment obligations with TD Auto Finance and have never encountered such an issue before. Given the circumstances, I respectfully request a reversal of the duplicate payment to alleviate the financial burden placed upon me. It is imperative for me to maintain a positive relationship with all my creditors, and I am committed to rectifying this situation promptly.Upon making the initial payment, I took a screenshot confirming the transaction, which displayed only one payment pending. Therefore, I am perplexed as to why a duplicate payment was processed.I sincerely hope that TD Auto Finance will understand the urgency of this matter and take swift action to remedy the situation. Your cooperation in reversing the duplicate payment would greatly alleviate the financial strain I am currently facing.Thank you for your attention to this matter. I eagerly await your prompt response and resolution.

  Business Response

  Date: 04/26/2024

  Good day. Please see the attached interim letter while your concerns are investigated. Thank you,