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

  136 Margaret St Plattsburgh, NY 12901-2927

• 

  TD Retail Card Services

  3221 Route 27 Franklin Park, NJ 08823

• 

  TD Bank

  200 S Pendleton St Easley, SC 29640-3048

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  TD Bank

  104 S Main St Greenville, SC 29601-2711

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/31/2025

  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 contacted TD Bank in September of ********************************************************************************************** a list of documents that I needed to provide. I had an estate attorney pull together all of the documents, which included an original copy of the deed. This cost me $3,206. I mailed everything on 11/20/24 and the tracking number, which I provided, shows it was received on 11/23/24. Since this time, I have contacted them more than a dozen times to get a status update. First, they said they received everything, but sent to a different department within the bank at a different location. They eventually found all of the information, but required a couple additional pieces of information and a check for $150. I sent all of this more than 6 weeks ago and was able to confirm they received. Since this time, I have made many more calls to both customer service and my mortgage broker. I spoke with 3 different supervisors, when I asked to have the situation escalated. None of them called me back when they said they would and all three of them stopped responding. I spent a lot of money pulling together everything they required, and I cannot get any traction with them whatsoever. The customer service is deplorable.

  Business Response

  Date: 04/09/2025

  Good afternoon, 

  Please see the attached BBB written response. 

  Thank you, 

• Initial Complaint

  Date:03/31/2025

  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.

  I did a balance transfer with TD Bank into a ******* ***** account. ************************* doesn't accept balance transfer. Now TD Bank can't find my balance transfer from Nov 2024.I have filed investigation with both banks and seems the funds are no where to be found. I'm not getting results from TD Bank.

  Business Response

  Date: 04/09/2025

  Good afternoon, 

  Please see the attached written BBB response. 

  Thank you, 

  Customer Answer

  Date: 04/09/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *********

   

   

• Initial Complaint

  Date:03/30/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  2/21/2025: I sent a wire transfer of $24,900 to TD Bank acct# ************ rt# *********** to purchase a classic car found on the internet. 3/7/2025-3/14/2025: TD Bank was contacted by my bank's ******* security team, informing TD Bank of wire fraud as the car had not been delivered on 3/7/2025 (as stated on car sales invoice).3/14/2025: I was notified by ****** A. at my local Chase ******* that TD Bank refused to reimburse my $24,900 as the acct listed above had been closed.3/19/2025: I submitted a complaint to **** for the above monies to be returned to me by TD BANK. I am not sure if, due to current government affairs, **** will have the manpower to help me recoup my money.

  Business Response

  Date: 04/08/2025

  Good morning, Please see the attached BBB written response. Thank you, 

  Customer Answer

  Date: 04/08/2025

  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. 

  TD Bank has been given the details of this wire fraud numerous times.  TD Bank was contacted by my bank ******** from 3/7/25 thru 3/14/25, to resolve this issue by refunding the monies stolen; only to deny the claim.  ******* submitted a claim for TD Bank to start an investigation (4/1/25), yet I have heard nothing.  I have little faith TD Bank is acting towards my best interests, based on previous interactions.
  
  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: 04/15/2025

  Good afternoon, 

  Please see the attached BBB written response. 

  Thank you, 

  Customer Answer

  Date: 04/16/2025

  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 am rejecting this response until I see the monies, that I was defrauded of, refunded and returned to my bank account.   Chase (my bank) tried 3 times to contact TD Bank, from March 7th-14th 2025, to get my money refunded.  ***** was rebuffed by TD Bank, the claim was denied by TD Bank and this is why I have had to bring the BBB & CFPB into this matter. 

  I appreciate your company now sees how serious this matter is, but your track record is not consistent on this issue and I am afraid if I accept this matter through the BBB, TD Bank will deny the claim again.
  
  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:03/30/2025

  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.

  December I deposit a cashier check from another Bank and three months later TD bank lock my for fraud .Per FCRA 611 (15 U.S.C. 1681i), I exercised my right to dispute the accuracy of this entry, yet TD bank failed to conduct a reasonable investigation and remove the unverified data., entitling me to statutory damages under FCRA 1681n.?I have lost access to credit opportunities, which has negatively impacted my financial stability. As the Secure party Beneficiary of the account , I seeking equitable rights, Financial audit from the loss of closing of this account.TD Bank has demonstrated reckless disregard for their obligations under federal law. I request that the BBB take immediate action to investigate this matter and hold TD Bank accountable for their violations.

  Business Response

  Date: 04/08/2025

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

• Initial Complaint

  Date:03/28/2025

  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.

  I purchased furniture at **************** in ***********, the purchase was financed by TD Bank. TD Bank never sent me a bill because they had the address incorrect as ********************************* rather than *******************************. I attempted to correct the address so as to receive a bill. I called three times to ask for a bill. The first time I asked about the bill, I was asked if I checked my **** mail. Ridiculous, not helpful at all. The next two times, a customer service person told me I could go online and pay. I replied that I wanted a bill, and I wanted confirmation that the correct address was connected to my account. My request was ignored. I finally received a call from a collection agency and the individual I spoke with asked if I ever received a bill, I replied with the answer no. He informed me this was not unusual for this bank; I asked him if I can pay him in full, he replied yes. I paid the bill in full and TD reduced my credit score by 150 points because of their error. I want my report restored.

  Business Response

  Date: 04/04/2025

  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: 04/09/2025

  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.]
  
  I acknowledge your recent communication regarding my dispute. However, I must respectfully decline the expectation that I initiate further contact to address this matter.
  As per my understanding, it is your responsibility to reach out to me directly with a clear proposal or resolution regarding the dispute. I kindly ask that you do so at your earliest convenience.
  Please ensure that future correspondence includes detailed information addressing my concerns. I remain committed to resolving this issue promptly.
  Thank you for your attention to this matter. I look forward to hearing from you.
  
  
  FAQ
  
  Regards,

  ***** ****

   

   

  Business Response

  Date: 04/23/2025

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

• Initial Complaint

  Date:03/28/2025

  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 writing to notify you of the unauthorized reinsertion of one or more fraudulent accounts into my credit report. These accounts had previously been disputed and removed as part of an identity theft investigation. Their reappearance constitutes a direct violation of federal law, including the Fair Credit Reporting Act (FCRA).I am enclosing my official FTC Identity Theft Report (Report No. *********), which documents the fraud. No written notification was provided to me regarding any reinsertion, nor was I shown evidence that the information was certified as accurate by the furnisher, as required by law.TDRC **** ** Account #: 600610XXXXXX Fraud began: 03/2025 | Discovered: 12/2023 ??? Your Legal Obligations Under Federal Law:? FCRA 1681i(a)(5)(B) Reinsertion of Deleted Information A credit reporting agency may not reinsert previously deleted information unless:The furnisher certifies the accuracy of the information; AND The consumer is notified in writing within 5 business days of reinsertion.I received no such notice, and I hereby demand full compliance.? FCRA 1681c-2 Blocking of Identity Theft-Related Information Upon receiving a valid identity theft report and proof of identity, you must block and remove fraudulent data within 4 business days.? FCRA 1681s-2(b) Furnisher Responsibility Furnishers must investigate disputes thoroughly and delete or correct unverifiable or false information when notified.? FACTA, 15 U.S.C. 1681c-1 Fraud Alert Protections Victims of identity theft are entitled to enhanced protections including fraud alerts and extra layers of verification.? Identity Theft and Assumption Deterrence Act (18 U.S.C. 1028)Continued reporting of identity theft accounts constitutes negligence and may violate federal criminal law.

  Business Response

  Date: 04/04/2025

  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, 

• Initial Complaint

  Date:03/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  TD RCS/RH Amount:$46,831 Date:12/14/2024 Acct#**************** According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate.Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7)According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information

  Business Response

  Date: 04/11/2025

  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, 

• Initial Complaint

  Date:03/27/2025

  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 spetember 2nd 2024 i had through the mobile deposit feature deposited a western union money order for 960$ not seeing that it had said not for mobile deposit on the money order until it was too late, i was expecting the bank to reject the money order however instead they choose to close the account completely holding on to my money i had made several calls to the bank the location in ****** specifically only to be lied to and said my money was held in a "black box" type account then i can pick it up at then branch then that it was mailed to the address on file both which after speaking with the fraud **** and thier mgmt there was confirmed not true i was instructed to contact ************* since they returned the money to them after closing my account and opened a case with them only to find out through western union they cant release my money without a notice from TD bank saying they returned my money to them (which was my rent money) i had called the branch management management through the phone line and was given a specific ****. to contact which i had called numerous times over the course of 5 months in addition to management left multiple voicemails requesting the letter to be sent to me and no returned call or response at this point since its taken so long where i believe i am out of the window to get the money back from ************* i am requesting TD to cover the charge since the misinformation i was given and being spun in circles took up about three months and then on and off calling the **** and not getting a response when all i needed was a letter from them after they closed my account stating they sent my money to western union

  Business Response

  Date: 04/04/2025

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

• Initial Complaint

  Date:03/26/2025

  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 filed a dispute against a company for work not done that I paid for, the merchant has since blocked me from all contact, my bank has denied the dispute and advised me to reach out to the merchant which I tried before filing the dispute, the bank has been less than helpful in trying to retrieve the funds back and no one is willing to assist, they keep giving me the run around of who to contact and I do not feel protected with this bank! I need to speak with someone other than the helpless customer service!

  Business Response

  Date: 04/04/2025

  Good afternoon, Please see the attached BBB written response. 

• Initial Complaint

  Date:03/26/2025

  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.

  Boston branches are in violation of: 940 CMR ***** in *************, which prohibits fees that restrict severability and the "rejection of negative options." FTC Act, 5 and ****-***** **** Street Reform and Consumer Protection Act, Sections 1031 and 1036, prohibiting Unfair Acts and Practices."An act or practice is unfair when it (1) causes or is likely to cause substantial injury to consumers, (2) cannot be reasonably avoided by consumers, and (3) is not outweighed by countervailing benefits to consumers or to competition."12 U.S.C. 5536. Section 1031 of the ****-***** Act provides authority to the Consumer Financial ***************** (CFPB) to promulgate rules identifying such acts or practices as unfair, deceptive, or abusive in connection with consumer financial products and services generally. The behavior of the bank branch represents material retaliation against customers and consumers, based on: A 2024 enforcement action against TD Bank to pay $7.76 million to tens of thousands of victims of the banks illegal actions, that includes failing to properly investigate disputes related to trial offers, a feature of this complaint. ADMINISTRATIVE PROCEEDING File No. 2024-CFPB-0009 Pre-emptive retaliation against a 2024 proposed rule closing "a longstanding loophole that allowed many large banks to transform overdraft into a massive junk fee harvesting machine." Entrepreneurs using their services are being charged exorbitant fees based on, 1. arbitrary overdraft limits; and 2. behavior that represents excessive interest for overdraft loans, in this case, moving an account from (much) less than $50 in overdraft charges to $263 in overdraft charges in less than two months, after discontinuing use of the account debit card and charging fees that represent, across those two months, a (500%) interest on the highest limit of the ****************** Failure to close the account aligned fees with the initial dispute amount, not a monthly fee schedule.

  Business Response

  Date: 03/28/2025

  Good morning, Please see the attached BBB written response. Thank you, 

  Customer Answer

  Date: 03/28/2025

  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 have not answered the legal questions referenced in the complaint: the Zazzle transactions are TRIAL SUBSCRIPTIONS, and were forced through as payments, not as holds, and only one of them appears on the documents I have. The changes in the ledger are disturbing, especially in light of the theft of $180,000 stolen by a teller (***** ***) from Boston customers through ********************** branches, for which Mr. *** was charged in December of last year, as reported by ***** and other news outlets.

  In addition, my complaint mentions the Bank's refusal to close the account, which saddles me with what, legally, are Negative Options that are not competitive in the market, they represent unnecessary and exorbitant fees.

  As remedy, I requested three times the current negative balance (3x), to avoid a court review and the obvious failure (negligence) to protect customers from staff fraud.

  The Bank's next response should include a confirmation you plan to agree to resolve this complaint through the BBB's formal arbitration function with payment, $760, and the date on which I should expect it. 

  I have observed this requirement with this official 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,

  ***** *.Shepard 

   

   

  Business Response

  Date: 04/09/2025

  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,