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

1,863 total complaints in the last 3 years.
709 complaints closed in the last 12 months.

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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:03/19/2025
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 fully paid off my car loan with TD Bank. It's been 8 business days since the payment went through, and the bank still hasnt sent the lien release electronically to the *** of *******. In contrast, with other banks Ive worked with, this process takes up to 3 business days, and theyve never let me down.Ive called the bank and explained the situation, that I sold the car and need the title as soon as possible to avoid the deal falling through. But customer care is of no help. Moreover, they told me that the lien release is scheduled for a date beyond the 10-business-day *********, the bank has both my money and my title. This will be the last time I use this, the most unreliable and non-customer-oriented bank.
Business Response
Date: 03/27/2025
Good afternoon, please see the attached BBB written response. Thank you.
Initial Complaint
Date:03/19/2025
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 have experienced three fraudulent transactions on my debit card at an ***. On November 18, 2024, an amount of $98.50 plus a $3 *** fee was withdrawn from a PAI ISO *** (NW21386). I reported this incident to the bank and requested a new debit card. On January 27, 2025, another fraudulent transaction occurred, with $33.50 plus a $3 *** fee being withdrawn from the same PAI ISO *** (NW21386). I promptly reported this to the bank and received a new debit card along with a new PIN. Unfortunately, on February 4, 2025, a further transaction of $148.50 plus a $3 *** fee was taken from the same PAI ISO *** (NW21386). I contacted TD Bank to get the location of this ***. The location provided by TD Bank was *************************************************************. Upon visiting the location provided by the bank, I discovered that the *** is no longer present. There is currently no *** at the indicated location.I have requested a refund for the total amount of $289.50, as it is evident that these withdrawals could not have been made by me if there is no *** at the location specified. I have also provided three police reports to the TD bank manger. However, the bank has refused to reimburse me for these fraudulent transactions. I have attached the bank statements and police reports.
Business Response
Date: 03/27/2025
Good afternoon, please see the attached BBB written response. Thank you.
Initial Complaint
Date:03/19/2025
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.
We haul campers for RV Value Mart in **. We receive *** Payments from them and have for a year or so now. Recently the end of Feb, someone cloned a email and sent a new *** request to ************* in my companies name. In turn changed my ********* (which was fraudulent). We did not request any change of our ********. Rv Value mart sent a several checks to this account to the sum of $23097.50 in three different transactions. Normally they are next day to my bank. After several days we inquired to RV Value mart they then notified us of the *** change. They forwarded to request to me, and you can tell it is fraudulent. TD bank refuses to return the funds.TD bank accepted the checks (***) with my companies name on it. It is a business name *************************. I called TD bank when I found out immediately , gave them the account number and talk to the fraud person. Still no response. Still no funds returned. We filled a police report in our area. RV Value mart notified there bank, in turn notified TD bank. Rv Value mart also made police reports. TD bank will not return RV Value inquiries or return the funds they took fraudulently. I need your help collecting my money. please to some that's nothing but to me it is a million dollars. The account is where the money went in TD BANK. ********** routing number ********* ******* and ******** were paid together on the $19254 fraud payment $3852.50 was the other fraud payment On the attachments you can clearly see that the check is fraud. the routing number they say forget is not correct routing number I use .
Business Response
Date: 03/26/2025
Good morning, Please see the attached BBB written response. Thank you.
Initial Complaint
Date:03/19/2025
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 opened up my account and they didnt fully explain to me about anything. They lied to me as I was opening up my account. They withholding information. Ive been making deposits without any problems and my check always cleared. On March 14, 2025. I deposit my paycheck in the amount of $680.53. I was told by Td bank that it will be cleared on Monday, March 17, 2025. They released $100 and when I went to go look at my online banking the next day. they took back the hundred dollars that they released and put my account in the negative. there was no money in my account. I called. I messaged asked them please release my funds. Why are they doing this and holding my money. I kept getting the runaround. They are holding my paycheck for six days without any reason. theyre giving me a hard time. theyre not releasing my funds. They are unprofessional, rude, not helpful. They dont treat their customers well.
Business Response
Date: 03/28/2025
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: 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 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: 04/09/2025
Good afternoon, Please see the attached BBB written response. Thank you,
Initial Complaint
Date:03/18/2025
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 Bank is reporting in accurate adverse remarks to my credit report of late derogatory payments that are greatly affecting my life and needs to be removed under 15 usc 1681...Situation as follows:I opened a $300 secured credit card with Td Bank on August *******. On November 22' of 2022,I was Arrested in *************, My *************** card was stolen while I was incarcerated, And on December 1st 2022, I called Td Bank informed them my card was stolen I'm in jail & instructed them to pay them Balance on the credit card as it was secured card and to close my account Due to my incarceration and the card was stolen. And please note: that was on December 1st 2022,the day my bill was due: But td Bank Did Not Close that account until February 2023,while I was still incarcerated 2 months after I called the bank explain my situation and Requested that account be closed in December 1st of 2022:Td Bank is in the wrong for not closing my Account in December 2022 when I call from jail & explain that my card was stolen I'm in jail & to close that account: But td Bank did not close the account let it Aquire Late Fees then posted the Derogatory Marks to My credit report with all 3 agencies Experian/Transunion/ equifax. Td Bank is reporting in Accurate False information to my credit report and Td Bank needs to contact all 3 credit Bureaus Experian/ equifax and transunion. TO REMOVE ALL LATE PAYMENT REMARKS FROM MY CREDIT REPORT AS THEY ARE NOT ACCURATE, THERE WAS NO LATE PAYMENT, I CALLED FRom jail To close said account in December 1st 2022 the day my bill was due But td Bank made the mistake of not closing this account while I was incarcerated: I want WHO EVER IS READING THIS ,THAT THOSE LATE PAYMENT REMARKS ARE GREATLY AFFECTING MY LIFE AFTER INCARCERATION, AND IM TRYING TO PUT MY LIFE BACK TOGETHER, BUT IT'S HARD WITH THOSE IN ACCURATE REMARKS OF TD BANK MISTAKE, I HAVE WRITTEN TD BANK COMPLAINT LETTERS BUT THEY DID NOT RESPOND.
Business Response
Date: 03/27/2025
Good morning, please see the attached written BBB response. Thank you.
Customer Answer
Date: 03/30/2025
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,
*********
Not Accurate: IDENTITY THEFT

Business Response
Date: 04/08/2025
Good morning, please see the attached BBB written response. Thank you.
Initial Complaint
Date:03/15/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Please see the attached "TDBank Breach of Contract Final Notice - 15MARCH2025" letter
Business Response
Date: 03/24/2025
Good day. Please see the attached letter. Thank you,
Customer Answer
Date: 03/24/2025
I am rejecting TDBank's response as it fails to resolve the previously levied claims in any way. TDBank continues to be in violation of our settlement contract. Please review the attached response letter for details.
Business Response
Date: 03/31/2025
Good afternoon, Please see the attached BBB written response. Thank you,
Customer Answer
Date: 04/01/2025
TDBank has continued to fail to adhere to the terms and conditions of the contract established on 7FEBRUARY2025. I have demonstrated, factually and completely, that the contract was executed on this date and TDBank has failed to adhere to those terms. Further, I have demonstrated unequivocally that TDBank is intentionally violating the terms of that contract and their responses demonstrate their intent to continue to breach said contract. The BBB should NOT close this case favorably for TDBank given the totality of proof here. Further, TDBank should be aware that I have retained counsel and intend to pursue litigation to enforce the contract and protect my rights. I continue to implore TDBank to immediately and completely change their behavior and become complaint with the contract to avoid litigation
Initial Complaint
Date:03/14/2025
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.
On1-725 I sent a check for $2400 to TD Bank ****** services for my Pilgrim Furniture account ending in 7001. They cashed the check on 1-13-25 for $24.00 instead of $2400. I got a late payment in male on 2-5 and immediatly called my Bank to verify they indeed cashed the check for $24.00 instead of $2400. Bank also verified check was made out correctly. My Bank ( ********) then did a electronic wire to TD Bank on 2-5 Ref# FR25020543219 Route number *********. So I think all set. On 3-3 I get a bill not showing the payment again and call AGAIN...I Talk to several people before I get manager ****** (N71 His number) and was told to email him. Guy has a attitude and should not be in customer service. The email address was *********************************************** I sent 7 emails without a reply...Waited to call again on 3-6 to see if they got email. Then again on 3-10 where they gave me another manager ****** (AA6 her number) Still not credited but I was told I would get a call back in 2 days. I waited 4 days and called AGAIN! Talked to ******** on 3-14 to find out they finally credited the account on 3-12 but neglected to call or email me! I proceeded to pay the account off so I never have to deal with this unprofessional incompetent business! I would like them to apolagize and compensate me for all the time and energy I spent resolving the issue they created!
Business Response
Date: 03/21/2025
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:03/13/2025
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.
Hello, my name is ******* *****. I opened up a TD FlexPay credit card back in july of 2024. I added my wife, ******* *****, as an authorized user, and a card was shipped to us. We never received the card. The card was more than likely stolen out of the mail, and then used at a store called "STVTEMENT" on 10/13/2024 located in king of prussia mall for $825.00. I recognized this was NOT my charge, and called a few days later. On 10/21/2024, I filed a dispute, giving all the above information and probably more. Dispute was put in, and then denied due to it being used as a chip entry therefore was not fraudulent. This claim was C-2118726 After being notified of my denial, I contacted TD again, to dispute the denial. This dispute was denied again. This claim was C-2232380 After filing the first dispute, I called the store and spoke to the team, they confirmed the date and amount of the transaction, and knew it wasn't me. They even said the guy was acting shady during the purchase. The card that was used for this transaction was the new card I had ordered for my wife ******* *****. I have since locked that card.After speaking with TD, yet again, I'm now being told that a charge cannot be disputed more than twice. This is unacceptable. I should NOT be responsible for this charge, and should NOT have to do the detective work. And I'm sure by now, over 4 months later, their security footage for the transaction might not be there. After numerous phone calls asking to speak with a manager, or anyone else in the department, they are upholding the denial and refusing to look into it further. They have conflicting information on their end, and seem to not fully understand what is going on here. This needs to hit someone's desk and have them actually do some investigation to see that this charge is in fact fraudulent and not go off of whatever system they use, because its obviously greatly flawed.
Business Response
Date: 03/21/2025
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: 03/21/2025
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.

The letter that was sent is progress, but the issue is NOT resolved. I will await the escalation to their leadership team, and the response, before I can mark this complaint as accepted. Thank you for being a part of this process.

FAQ

Regards,
*******

Business Response
Date: 03/31/2025
Good afternoon,
Please see the attached BBB written response. Thank you,
Customer Answer
Date: 03/31/2025
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

Ive left numerous messages with ******* asking for proof about me activating the card. I did not activate the card. Please provide proof of me activating the card. Without the proof of me actually activating the card, how can you deny my claim and say that this is not a fraudulent charge. *** also contacted the postal inspection service, and my service request number with them is 75759954. How about you give them a call and actually investigate like it says you do on your site.
Initial Complaint
Date:03/13/2025
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.
I made a payment for Exoticca Travel through TD Bank ********** Under its Cashback Reward policies, Travel categories should be 3x points. However, TD ********* only awarded 964 points (1x point) for the $964.40 transaction on March 1, 2025. I called TD Bank **** CS on Mar 13 to have the additional 1929 points be added. The CS agent ****** was no help. When I spoke with the CS supervisor *******, she said that she could not add the points. I pointed out to her that a November ******* transaction with *************** gave me 3x points for the spend. She was making hypothetical situations that Exoticca Travel might have changed their merchant code WITHOUT checking. She was just guessing rather than confirming. She was making excuses rather really explaining what happened. I pointed to her that the two transactions were connected as the 2024 was a downpayment and the second one is the full payment. The merchant even has "Travel" in its name. I even said that I can provide documents to prove that it is a ************* and not an entertainment company. She made me wait more than 5 minutes to say that she could not get in touch with the bank CS. She said that she would file a request that would take 30 days.Other credit card's CS supervisors could easily fix the issue by checking facts and policies with the Cashback reward program. Apparently, TD Bank ********* CS supervisors are making speculations and doesn't have any capability to correct wrong transactions by making logical and sound judgement. Their CS agents and supervisors have poor support.TD Bank ********* credit card should add 1929 points to my TD Bank ********* Rewards account. TD Bank **** should call-out their merchants to reflect the correct codes for their businesses if they want to keep their customers -- Credit Card users.
Business Response
Date: 03/20/2025
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: 03/21/2025
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 # ********.
For a simple issue and with documented evidence provided, it will take them 5-7 business days. Other credit card companies resolve the same issue with a simple call to the ***************** But TD **************** supervisor said it takes 30 days. The points are still NOT added.
Regards,
*****

Business Response
Date: 04/02/2025
Good morning, Please see the attached written BBB response. Thank you,
Initial Complaint
Date:03/11/2025
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.
I am filing this complaint because my credit report contains unverified accounts that I do not recognize. These accounts are appearing under my name without my authorization, and I have every reason to believe they may be linked to a data breach or fraudulent activity. I take my financial security seriously, and I refuse to allow false or unverifiable information to damage my credit standing. These inaccuracies are actively harming my financial stability, and I demand immediate action to correct them.Despite my repeated attempts to obtain verification, I have not received any legitimate proof that these accounts belong to me. This blatant lack of transparency is a direct violation of my consumer rights. Under the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681g, I am demanding full documentation proving the validity of these accounts, including:Company Name: TD AUTO FIN Account Number: ********** Reported Balance: $0.00 I require real, verifiable proof such as original account applications, signed agreements, or transaction records confirming their legitimacy. A generic response stating that the account has been "verified" is not acceptable. If no such documentation exists, these accounts must be immediately removed under FCRA Section 611(a)(5)(A)(i), which mandates the deletion of unverifiable information from consumer credit reports.Additionally, I am filing a formal complaint with the Better Business Bureau (BBB) against them, as this company has failed to provide proper documentation proving the validity of the reported account. Their refusal to supply supporting records and their failure to conduct a legitimate verification process are clear violations of federal law. I expect an immediate investigation and a full response addressing this issue.
Business Response
Date: 03/20/2025
Good afternoon, Please see the attached written BBB response.

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