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:04/11/2024

  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.

  Bought out vehicle 2014 from lease recently requested pay off note so I can sell truck. Was told to send docs to them at TD Finance ************************************************* for 2010 **** Explorer Vin #1fmeu7f89aua97785 . Its been 4 weeks and cant get in touch with any to find status of request.

  Business Response

  Date: 04/17/2024

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

• Initial Complaint

  Date:04/10/2024

  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.

  In October I signed up for a Tdbank credit card and after a few weeks did not receive the card and notified Tdbank in which they reissued the card instead of closing and opening a new account.On November 7th I received a fraud alert on my phone about transactions being done on my credit card in ******* while I was in the hospital in ******** I promptly called Tdbank to let them know fraud occurred in which they took all my info and told me that an agent with the fraud department will contact me for more information and any documentation I have of proof. I received no contact and instead a few days later recieved a letter stating no fraud was committed due to having the card in which they would be able to see they had sent me 2 cards one of which I did not receive add to that no one called me or asked me for supporting documents.After receiving this I called again to put a fraud alert, this time they put in charges in which I did use my credit card for, in which I promptly contacted their customer service as well as went to the actual bank and also gave my supporting documentations to upload as well as notify them that they had sent me out 2 of the exact same cards in which I only received one. Since then I have not received any more correspondence and when I call customer service they said both times they saw no fraud in which I advised them I never received any letters after and I needed this escalated as no one is explaining to me how my card can be used in both ******** and ******* in the same time, As well as how they came to their conclusions. The customer service rep said they will send out the information and I instead received 4 copies of the same initial fraud finding.I have no updates on what happened after the second complaint as well as the escalation and no one is able to explain to me why this is my problem for them being notified that I never received the card and then sending me the exact same card and how it can be used in 2 places

  Business Response

  Date: 04/19/2024

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

• Initial Complaint

  Date:04/10/2024

  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 express my serious concern regarding the sharing of my nonpublic information with the three major credit bureaus by TD Bank, N.A. It has come to my attention that inaccurate information has been furnished to these bureaus, leading to significant financial and emotional distress.Under 15 USC 1681, section 602, I am entitled to privacy concerning my nonpublic information. However, TD Bank's practice of sharing inaccurate data with the credit bureaus violates this fundamental right and has had adverse effects on my financial standing.Furthermore, I would like to bring to your attention 15 USC 1681, Section 604 A, Section 2, which prohibits a consumer reporting agency from furnishing any account information without my explicit written instructions. It appears that TD Bank has disregarded this legal requirement, resulting in the dissemination of inaccurate information on my credit report.Additionally, under 15 USC 1666 B, a creditor may not treat any payment on a credit card account under an open-end consumer credit plan as a late payment or collection/chargeoff for any purpose. Despite making timely payments on my credit card account, TD Bank's reporting has inaccurately classified these payments, negatively impacting my creditworthiness.The financial and emotional distress caused by these inaccuracies cannot be overstated. They have hindered my ability to access favorable financial terms and have caused undue stress and anxiety.Account Number: 451336**********Account Number: 120369*********I request that TD Bank takes immediate corrective action to rectify these issues. I expect you to cease sharing my nonpublic information without my explicit consent, ensure accurate reporting to the credit bureaus, and provide me with a detailed explanation of the steps taken to address these inaccuracies.Thank you for your attention to this matter. I anticipate a prompt response and resolution to these concerns.Sincerely,*******************************

  Business Response

  Date: 04/19/2024

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

• Initial Complaint

  Date:04/10/2024

  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.

  I was just approved for a charge card secured by bartering a security for goods and services as an investor making an investment in the company TD BANK. I expect income for my investment. The application was not a gift given but an obligation for TD BANK to perform by TD BANK receiving a SSN and receiving fiduciary duties. TD BANK received a security deposit but is requesting another security deposit of $5,000USD in order to perform its obligations. A security is any investment product that can be exchanged for value and involves risk as agreed in TD BANK prospectus. In order for an investment to be considered a security, it must be readily transferable between two parties and the owner must be subject to the loss of some, or all, of the invested principal. If the product is not transferable or does not contain risk, it is not a security. You can find the risks in TD BANK prospectus there is no need for me to upload any documents to prove this. For the benefit of the note holders through the description of debt notes the pooling and servicing and trust agreements all describes one main objective and end goal the indentured trustee and issuer are required to perform so please perform your fiduciary duties or I will stand on my rights and be FORCED TO REPORT-THIS TAXABLE EVENT TO THE SEC FOR SECURITIES FRAUD because I truly believe we can work together for the benefit and future investments in the future. Its not about knowing but who will enforce. I will be forced to revoke all limited power of attorney granted to every corporation that touched this application/receivables under TD BANK control if TD BANK refuses to honor my securities and credit the account

  Business Response

  Date: 04/18/2024

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

• Initial Complaint

  Date:04/10/2024

  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 January 1, 2024, I experienced a terrible situation regarding my TD Bank Accounts. On this day, TD Bank has closed my account without an explanation. I reached out to TD Bank via phone call and email a few times regarding my situation, and I kept receiving different responses from different representatives. I most recently visited my local TD Bank branch regarding my situation and a representative provided me a direct contact of a representative who was reviewing/investigating my account. They informed me that there was no suspicious activity within my account at all. As of today, I am currently trying to receive a certain amount of money that I had in my account before it was closed. It was very large amount. In a result of this, I decided to send a letter to TD Bank, so that they can look into this matter further. In fact, I personally feel that the TD Bank system had a terrible error or corruption, which affected my account in many ways. I also have all the evidence or documentation to support my situation. I provided this information to the bank, and still did not receive a direct answer. As a customer, I am a disappointed that I am going through this. However, hopefully, I will hear back from TD Bank very soon, since I have sent the letter.

  Business Response

  Date: 04/19/2024

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

  Customer Answer

  Date: 04/19/2024

  Hello, 

  Thank you for your response. I have thoroughly read the letter you have sent me. At this time, I disagree with the letter's decision. When I spoke to ********************* on April 9, 2024, he requested for me to send screenshots of my issue via email. However, at the time, I was unable to due to a technical issue on ******************** end. From what I recall, he informed me that once he received the screenshots, he will look into it further more. 

  I look forward to hearing from you very soon. You may also reach me at **************. Thank you very much. 

  
  Regards,

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

   

   

  Business Response

  Date: 05/03/2024

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

  Customer Answer

  Date: 05/12/2024

  [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:04/08/2024

  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 opened an account with TD bank years ago and they literally lost my funds. It came out of my main bank account and never went into TD Bank. I had to go to several different branches to get it sorted out and months later when they finally fixed it, I decided to just not use this account because they're shady. Fast forward to now, I decided to close this account because its been years and I don't use it. Because I don't use it, it has been marked as inactive. I have been trying to get their customer service to mark it as active because I need to just transfer out the $150 so that it can be closed. It takes 3-5 days for their external transfers to process so it keeps being marked inactive before the transfer can go through. I simply never want my funds returned to me, and want to close my account so I can never deal with this fraudulent bank again.

  Business Response

  Date: 04/15/2024

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

• Initial Complaint

  Date:04/07/2024

  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.

  Last year, my tax preparer put the wrong account number on my tax paperwork. My tax refund then went to your bank and was deposited in the wrong account on March 3, 2023. The amount is $1,193 and it was deposited into account # **********. I would think that there is a process in place where the accounts are checked for accuracy before a sum of money is deposited. For example, my social security number and name did not match the account my refund was deposited into. I have been going back and forth between your bank and the *** for a year, trying to get my hard earned tax refund into my possession. The *** has advised that my money should be refunded to me by your bank, since the proper vetting process, that I hope is in place, was not followed leading to my money being incorrectly deposited. I have also worked with *************************** and his manager, ***************************, who stated, during one of my in-person visits to the bank, that the money should have never been deposited since the identity on the account did not match the information on the return paperwork. Again, that money shouldve never been deposited in the wrong account by your employee. I would like for the $1,193.00 to be refunded to me by your bank.

  Business Response

  Date: 04/09/2024

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

• Initial Complaint

  Date:04/07/2024

  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.

  This issue dates back to October 2023, when I wanted to set up auto pay so that I would be on time with payment, and I won't be charged these ridiculous bank fees that TD bank charges for late fees. In any event, I called TD bank, and I told them that I wanted to set up auto pay. TD Bank told me that they would send me the application, fil it out and mail it bank to them. They also instructed me to go into my nearest Branch with ID and set it up, and I did both. Several months later, the auto pay was not set up, and I called again, and they told me the same thing. They would send another application, and I must fill it out and mail back to them. I did that again. Needless to say, still the auto pay was not set up. I called them back a third time, this time I was very frustrated because, if I didn't make payments manually on the due date, thinking that the autopay was in place, I would get charges a late fee of ($40.00). A year went by, and still TD bank did not set up my auto pay, and I kept getting charged late fees, no fault of my own because it was their lack of due diligence to the customers. Finally, in January of 2024, I set up the auto pay manually, and I thought all was well until I went in to check, and I saw that even though I had the auto pay set up, TD bank charged me late fees on (2/2/2024) $40.00 and (4/2/2024) $40.00, for a total of $80.00. I was surprised and ****** frustrated. I called TD Bank customer service, and I spoke with a very rude and insensitive customer Rep ********* He had the audacity to tell me that because I have the autopay set up for the (second of every month) when it is the actual date that payment is due, I will always be late, and I would get charged the late fee, and then he told me it is best for me to turn off the auto pay, and to pay manually. TD bank has deceitful practices because of their lack of due diligence in serving their customers, and I am looking to get a refund of those late fees.

  Business Response

  Date: 04/17/2024

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

  Customer Answer

  Date: 04/30/2024

  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. 

  This email serves as in response to the letter sent to me on (4/27/24) which indicates that my case is closed due to no response to you.  In my defense, I just want to note that when a representative from TD Bank, responded to me, please see below.  I did respond, but according to TD Bank, they were the ones who allowed 5-7 business days, and thus far, they have not responsed. Therefore, with all due respect,  My question is how was I supposed to know that they would not have responded within their time frame. So, to this end, it is not my fault which appears as I did not respond.  Further, I am still awaiting action on TD Bank as I still need my refund. So, could we please keep the case open until they resolve it. 

  Business Response

  Date: 05/09/2024

  Good day. Please see the attached letter mailed in response to these concerns. Thank you, 

• Initial Complaint

  Date:04/06/2024

  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 Bank has been completely unhelpful in resolving a glitch in their app. My credit account has completely disappeared from my online account, and they've refused to help me in any way even though I've been on the phone with them for an hour

  Business Response

  Date: 04/15/2024

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

  Customer Answer

  Date: 04/15/2024

  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. 

  [What was stated in this letter is not the case. My account only became availible again yesterday, and a new card was still ordered for me without my consent. Given TD's difficulty giving accurate answers about my finances, I've turned to a different bank for my HELOC.]
  
  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: 04/24/2024

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

  Customer Answer

  Date: 04/25/2024

  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. 

  [I was told something completely different by the representative on the phone, and have been waiting on this card. Thank you for letting me know it wasn't really sent.]
  
  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:04/03/2024

  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 have submitted numerous complaints against TD bank as well as called them to remove me from their marketing mail list and they refused. My name and address needs to be removed at once. I do not desire to do business with them now or in the future.

  Business Response

  Date: 04/12/2024

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

  Customer Answer

  Date: 04/12/2024

  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,

  ******