We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Bank

TD Bank

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Bank.

Complaints

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

Find a Location

TD Bank has 1387 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 1,862 total complaints in the last 3 years.
    • 706 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/27/2025

      Type:Billing Issues
      Status:
      Answered
      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:
      Answered
      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:
      Answered
      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:
      Answered
      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, 

    • Initial Complaint

      Date:03/25/2025

      Type:Billing Issues
      Status:
      Answered
      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 March 6th and March 10th I incurred two charges on my TD bank credit card. I called the company and told them it was not my charges and I suspect fraud. They said since the card was in my possession at the time of the transaction it cannot be fraud. I have no idea who **************** is (they made the charges) and I explained that to TD Bank representative on Mar. 19th when i contacted them. They were asking questions which i could not understand due to the dialect and I also told them my new card was not received in the mail.I need them to reopen the case (#C-2617258) and do further investigation into the fraudulent charges to my account. My account was definitely hacked by the person in *******. I live in **.

      Business Response

      Date: 04/03/2025

      Good afternoon, please see the attached written BBB response. 

    • Initial Complaint

      Date:03/24/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      To Whom it may concern,I am writing to formally file a complaint regarding an issue with my account with TDRCS/HILL COUNTRY FU Account number: ******XX Account balance: $6,817.00, which I have been unable to resolve directly with them. I am requesting that the Better Business Bureau assist in removing this account from my credit reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

      Business Response

      Date: 04/02/2025

      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:03/24/2025

      Type:Billing Issues
      Status:
      Answered
      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 formally dispute the account referenced under account number ********* that appears on my credit report. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with **** Under 15 USC 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing within *************************************************** documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name.Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If you cannot provide proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts.Please confirm receipt of this letter and notify me of the next steps to resolve this matter.

      Business Response

      Date: 03/27/2025

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

    • Initial Complaint

      Date:03/24/2025

      Type:Customer Service Issues
      Status:
      Answered
      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 returned a ring within the allowed time frame they keep charging me late payment fee and charges. I contacted them and got transferred 7 times and no one did anything to take the fees off. I was extremely frustrated and stressed. I mailed the ring back December 26 2024. I never paid them anything just keep getting a bill

      Business Response

      Date: 04/01/2025

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

    • Initial Complaint

      Date:03/24/2025

      Type:Billing Issues
      Status:
      Answered
      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 Nov. of 2024 this company misread a clearly written check for $250 as $950, causing a chain reaction of problems with my bank, Keybank, then overcrediting my account, sending me a check for over $200, then debiting that $200 on my account as a Purchase, thereby accruing finance charges! My account was scheduled to be paid off in full within a 12-month No Finance Charges period before this error, but now I am being charged finance charges on this account that I shouldn't be. Additionally, the only way to speak to a human being at the company is to choose "Increase My Credit Limit" from their phone menu! Every other choice leads you nowhere (no person to speak to). Even after getting a human being on the phone, on numerous occasions, they cannot assist me and want to kick my problem up to a manager, but no manager can ever be found. I've spent approximately 3 hours on the phone dealing with this, and have yet to speak to a manager. One called me finally when I was in a doctor's office and couldn't talk, and calling back later I was sent back to the level 1 customer service **** who had no idea what to do with the call--in other words, no matter what you do, you cannot directly call a manager to resolve this problem, forcing you to re-re-re-explain this issue to someone at the company who can't do anything about it. It is a truly maddening experience. The bottom line is, I should not be charged any finance charges for an error that was not my own. The company is clearly at fault here for the mistake, and is refusing to do anything about it. In the meantime, I get letters telling me my account is past due.

      Business Response

      Date: 04/02/2025

      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:03/22/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      They got rid of our phone numbers and account number so we cant pay our bill. I had bills set up for text reminders to pay. Since they only send a letter if you dont pay. Maybe set up so you pay interest on your zero percent rate that the store charges extra for off the top?( lanes hardware) So please I just want to pay my bills?????

      Business Response

      Date: 04/02/2025

      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, 

    This business is not BBB accredited.

    revoked BBB accredited business seal

    Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

    Read more

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.