Business Profile

Bank

TD Bank

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Complaints

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

Customer Complaints Summary

1,866 total complaints in the last 3 years.
708 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:04/13/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Hello my name is ********** ******** I opened my account in the beginning of Dec of 2024 my account was hacked I called the bank they told me to come in I did they opened a new account under the the same mobile account so you have to see my new account that it is open so money started coming out of my account I recorded it 39 - got to the point that I have six accounts open under the same mobile banking account went three times three different times to the office to the bank and try to have them close their condo they were supposed to close in the beginning and they haven't come still the one that's attacked is still open connected with my other account so of course the hacker or whoever's in my account go take money out purchase whatever they're going to purchase so I want back my money since I've been following the speed is over $954
Business Response
Date: 04/22/2025
Good day. Please see the attached response letter. Thank you,
Customer Answer
Date: 04/22/2025
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,
**********

Yes if you guys look into my account right you will see someone order 5 cards under my account which someone over the phone help me close them out. Another thing how could have I made these transitions without a debit card I have had a debit card since they closed out the other 5 account so you guys ain't investing right because you guy's did you would have read the notes on my account when one of your customers service notices someone in my ********************** while she was helping me figure things out also she was concern with what she saw and decided to talk to the fraud department her self and ever since that that I can't sign in my mobile banking account. So please redo your investigation and see the notices on my acc my account been hacked and you guys left that account open when I repealtly quest f in person at the bra6to close it and you guys still have done it and I asked since Dec to close the account so the person who have.y account still has a access to my account which is you guys responsibility and is your fault because you guys never close that account so this person still taking out money because you guys have not closed that account since I requested that count to because since December I've been to your office to your branch over three times and ask about the same thing you guys still haven't done nothing
Business Response
Date: 05/02/2025
Good morning,
Please see the attached BBB written response.
Thank you,
Initial Complaint
Date:04/12/2025
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.
On April 12, 2025, at 8:40 AM, I received an email from ************** stating that Your account has exceeded the overdraft threshold. This statement is categorically falsethere was no overdraft, my accounts were not in negative standing, and no such threshold was ever reached. At the time this message was sent, I was asleep, and no transactions or actions had been taken from my side. What followed was a deeply frustrating experience: I contacted customer service, visited three different ********************** branches, and spoke to multiple representatives in various departments, including fraudyet no one could provide any explanation for the closures. I was repeatedly told that both an initial and secondary review were conducted on the same day, and that a decision was made to terminate my accounts immediately thereafter. No notice. No explanation. No opportunity to respond. To clarify: I have never overdrafted, nor have I maintained a negative balance. I have not violated any TD Bank policies. There has been no suspicious activity on either of my accounts. My only recent transaction of note was a legitimate $10,000 check deposit from **************** into my business account.Despite these facts, my access to both accounts was cut offwithout a shred of transparency or just cause. Not only is this a gross failure in customer service, but it also appears to reflect a deceptive and unfair business practice under federal consumer protection laws. This decisionexecuted without explanation, recourse, or accountabilityhas not only caused me material inconvenience, but also calls into question the integrity of TD Banks operations and internal *********** accounts should be opened again with no further delay. I have not done anything wrong.
Business Response
Date: 04/21/2025
Good day. Please see the attached letter. Thank you,
Customer Answer
Date: 04/21/2025
[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,

F *********
Initial Complaint
Date:04/12/2025
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.
Td bank suspended all options to deposit money into someone else's account except ***** transfers forcing customers to use subpar ***** services. When we attempted to use ***** it blocked our transfers "for our own protection" (even thought my mother did it at the branch in person on her phone in front of a customer service **** because apparently infantilizing customers is acceptable. After multiple attempts ***** profile was suspended and bank account frozen. They cited calling the number they provided in an e-mail they sent as the reason they froze account. Apparently calling the number they gave you is a suspicious activity and using ***** services as intended is "adverse activity". They basically accused me of being a thief even though I have been a customer since ******* they force you to use an unusable service (*****), then penalize you for it.
Business Response
Date: 04/17/2025
Good afternoon,
Please see the attached BBB written response.
Thank you,
Initial Complaint
Date:04/11/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Dear BBB,Complaint Against TD Bank for Double Charging I am writing to file a complaint against TD Bank regarding a recent issue with their online banking system. On 4/11/2025, their site double charged me, resulting in an additional $1800 being withdrawn from my account. Despite my efforts to resolve this matter with TD Bank, they have informed me that they cannot correct the error because the transaction is still pending.This situation has caused significant inconvenience and financial strain. I am seeking assistance from the BBB to help resolve this issue and ensure that TD Bank takes the necessary steps to rectify the error and return the additional funds to my account.Thank you for your attention to this matter.Sincerely,***** *******
Business Response
Date: 04/18/2025
Good day. Please see the attached letter. Thank you,
Initial Complaint
Date:04/09/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am filing this complaint due to what I believe to be excessive and predatory overdraft fee practices by TD Bank. On April 9th, 2025, I contacted TD Bank after noticing I had accumulated $142 in overdraft fees, despite only being overdrawn by approximately $82$84.TD Bank typically charges a $35 overdraft fee when an account is overdrawn by more than $50. However, in this case, the fees far exceeded the negative balance, which seems unfair and disproportionate.Ive called TD Bank previously about similar situations and, in the past, they have reversed some fees. But now theyre refusing to offer any assistance, stating that *** already received help before. This makes me feel like Im being punished for struggling financially, especially during a time when Im transitioning into a new job and trying to manage my expenses carefully.The current fee structure feels deeply predatory, especially for customers already experiencing ******************** difficulty. Charging $142 in fees for an $84 negative balance is excessive and exploitative.
Business Response
Date: 04/18/2025
Good day. Pleasse see the attached response letter. Thank you,
Customer Answer
Date: 04/18/2025
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********.
To Whom It May Concern,

Thank you for your response and for confirming the details of the overdraft charges on my account.

While I understand that I was enrolled in TD Debit Card Advance and have previously received courtesy refunds, I remain concerned about the structure of your overdraft policiesspecifically, the way multiple fees are quickly applied against small overdrawn amounts. In this recent instance, I was charged $140 in fees for a negative balance of approximately $84. This is nearly double the amount I was overdrawn.

I appreciate that options like Decline All and Overdraft ***** exist, but the default structurewhere multiple $35 fees are stacked in a short periodfeels predatory and especially burdensome to those already facing financial hardship. Most consumers do not fully understand these programs when enrolling, and few have the financial cushion to absorb such penalties.

At this point, Im not advocating for a refundIm urging TD Bank to re-evaluate how it assesses overdraft fees. These policies may be within the banks rights, but theyre not aligned with the financial realities many working people face. A single fee cap, clearer alerts, or ***** periods that account for weekend processing times would go a long way in making this system fairer and more transparent.

I hope TD Bank takes this feedback seriouslynot just for my sake, but for the many customers caught in similar cycles of unfair penalty.

FAQ

Regards,
Aaliyah

Business Response
Date: 04/30/2025
Good afternoon,
Please see the attached BBB written response.
Thank you,
Initial Complaint
Date:04/08/2025
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 have been banking with TD bank since 2007, years later i had my estranged husband direct deposit going into the account and just yesterday TD bank do not him as a customer and started to close my acct. i never received any mail correspondence or an email this was happening. I had pending transaction in the account that i see is now not paid! This us ruin my credit and i close on a house that i can not bc they have my money and have not paid any of my bills and no one in customer service can tell me why bc they can only talk to the department through email! Wth..so this big company can ruin my life over one weekend with no explanation! I need help and answers, bc this is effecting my credit and now my bills are late bc they have not allowed my bills to come through including my life insurance payment.
Business Response
Date: 04/10/2025
Good morning,
Please see the attached BBB written response.
Thank you,
Initial Complaint
Date:04/07/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am submitting this formal complaint against TD Auto Finance, regarding a serious issue with inaccurate credit reporting that has caused me ongoing stress, frustration, and mental anguish.I financed a Jeep Patriot through TD Auto Finance and successfully paid off the loan in full over a year ago. Despite this, TD Auto Finance continues to inaccurately report the account as late on my credit reports with the major credit bureaus (Equifax, Experian, and TransUnion).I have made multiple attempts to resolve this issue directly by contacting both TD Auto Finance and the credit reporting agencies. However, nothing has been corrected. The account remains listed as late, even though there is no outstanding balance and the account should be closed and reported as paid in full with no delinquencies.This false reporting is not only damaging my credit score, but also affecting my ability to secure future credit and contributing to significant mental and emotional distress.I am formally requesting that the BBB assist in investigating this matter and hold TD Auto Finance accountable for correcting the inaccurate information. Specifically, I am requesting that the entire account be removed from my credit reports due to its inaccurate and outdated reporting, as well as the undue stress it has caused **** have attached a copy of my credit report showing the inaccurate reporting, and I am happy to provide any further documentation needed.Thank you for your time and assistance in resolving this matter.
Business Response
Date: 04/17/2025
Good morning,
Please see the attached BBB written response with enclosures.
Thank you,
Initial Complaint
Date:04/07/2025
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.
Payments are made online monthly of $88.00. We've never been late on a payment. On Feb 11, 2025, online payment did not go through after receiving message ' payment pending." In March, received letter from TD dated Feb 27th, stating our account was past due. On March 10, 2025, I contacted TD who stated yhey showed no record of February payment receipt. Also confirmed with our bank that payment did not process. **************** agent reviewed ********************** and stated "I see you've never made a later payment, so I'll waive the late fee of $29.00 from your account. She asked if we wanted to proceed with paying the February payment and we stated yes. At that time, we paid both the ********* payments of $88.00 ea/$176. total. On April 3, 2025 recvd another past due letter from TD stating we were past due $29.00. I contacted customer *** spoke with supervisor who stated the $29.00 late fee was waived from the full balance owed but not from the monthly payment. She also stated another late fee of $40.00 had been added to the account. Because the waiver policy was not explained to me regarding the $29.00 late fee, she also waived the $40 fee from the account balance, but stated both fees must be paid by 4/16/2025 or another late fee will be charged. The letter we received from TD threatened to report information regarding our account to the credit bureau. All we ask is that the $69.00 late fee charges we removed from our account altogether and we'll continue to pay our monthly payment of $88.00. As I explained to the supervisor, I've never heard of such a policy regarding late fees. Normally, when a fee is waived it's removed altogether and you are not expected to pay it. As I said, we just want the $69.00 late fees removed from the monthly payment as most credit card companies do.
Business Response
Date: 04/17/2025
Good day. Please see the attached interim letter while these concerns are investigated. A full response will be provided once the investigation is complete. Thank you,
Customer Answer
Date: 04/17/2025
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.
Attention: TD/Complaints Department
We have reviewed the latest communication via your letter letter dated April 16, 2025. We will await further communications regarding the outcome of your investigation process. Should you have any additional questions during the course of this internal investigation, we welcome the opportunity to be of assistance and will gladly contact them at that time.

FAQ

Regards,
*****

Business Response
Date: 05/02/2025
Good morning,
Please see the attached BBB written response with supporting documents.
Thank you,
Customer Answer
Date: 05/05/2025
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.
We received your response and disagree with the outcome. As stated in our original complaint, we asked that the late fees be removed from the monthly payment due not just the account balance. This practice of charging a late fee for fees that have supposedly been deducted from our account is unfair. Up until February 2025, we've had no issues with submitting payment online. If you'll check your records, you'll see that prior to February 2025 we have never been late with our monthly payment. We ask that you reconsider your response.

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:04/07/2025
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.
This is a follow up complaint. Original complaint BBB-22820916 was never resolved as promised by creditor TD Bank. TD Bank acknowledged that no payments were ever received late as per the 12 month Forebearance Program I was approved for back in October 2024 and the late payment status would be removed. As of today, Transunion as well as Equifax have not been corrected. I have supporting documentation from TD Bank indicating that this matter would be corrected. In addition, I have statements and payment proof that I not only made all my scheduled payments for the required amounts, but I paid more than required for the months of November 2024 and December 2024. I have filed disputes with ********** as well as Equifax, however TD Bank refused to make any corrections. I have since filed new disputes with both bureaus. ********** dispute # *** 745 686 and ******* dispute # *** 055 9421. I am filing this new complaint with BBB first and will send additional letters to TD Bank at their corporate office:TD Bank, *******************************. 08003-2390. This is where I mailed the last letter to on 1/17/2025.
Business Response
Date: 04/17/2025
Good day. Please see the attached interim letter while these concerns are investigated. A full response will be provided once the investigation is complete. Thank you,
Customer Answer
Date: 04/18/2025
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 do not close my case while awaiting their action. I have gone through this with this company and they did keep their word. I would like to keep this case open until a full resolution from TD Bank. As of today all 3 credit bureaus still show a late payment for the month of December
[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: 05/02/2025
Good afternoon,
Please see the attached BBB written response.
Thank you,
Initial Complaint
Date:04/07/2025
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.
Since Feb 2024, someone has been charging my account for various amounts. I do not have an account with *******. Ive called ******** fraud department several times and they do not answer my calls nor do they call me back when I reach out. The payments amount to around $5,000 and they have not helped me at all.
Business Response
Date: 04/16/2025
Good afternoon,
Please see the attached written response.
Thank you,

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This business is not BBB accredited.