Business Profile
Bank
TD BankThis business is NOT BBB Accredited.
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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
- 1,862 total complaints in the last 3 years.
- 701 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:11/03/2022
Type:Billing IssuesStatus: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.
We use a ***** Fargo auto payment to make reoccurring payments. Payments were initially set up to send on 6th of month since they were due on 16th of month. Initially payments were being credited on time but there was one that they said it came in late so we set it up to send on 3rd of month. They said those were coming in late and charged us several late fees of $40 each. After asking for payoff amount on 26 Sept we *************** payment on that date, **************** took money out on that day. TD card services claims they didnt receive payment till 20 Oct which they claim makes us late again incurring another late fee. I believe they are receiving payments days before theyre crediting our account because theyre consistently showing us a few days late then charging us the late fee. Weve never had any problems with any other company or utility we use this auto pay system with. Theyve charged us late fees 4 times now I believe to bolster revenue for an interest free purchase that had a $100 fee initially. I will not do business with this company again.Business Response
Date: 11/08/2022
Good day. Please see the attached letter. Thank youInitial Complaint
Date:11/03/2022
Type:Billing IssuesStatus: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.
Dispute filed on 07/19/2022 got a case no C- ***** from TD card services, ********************************************, called at ********** on 10/17/2022 after holding 30 min could not gave a solution and transferred to Ms **** at *********** after 25 min she told I cant help with your case though I can see dispute, she transferred to **********, but no one responded at that no. Is this the service you are providing that your associate doesnt know the answer , and could not provide right solution to customer. It almost 3 months no response, could I get proper person or email to get solution to my dispute, or please credit my account with the amount of which dispute has been filed.Business Response
Date: 11/09/2022
Good day. Please see the attached letter. Thank youCustomer Answer
Date: 11/09/2022
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
***************************Initial Complaint
Date:11/03/2022
Type:Billing IssuesStatus: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.
1.I have never had an account with this company TDRC/DFRSPGR ****************, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code ****a (3) 3.This letter is in pursuing 15 U.S. Code ****c (c) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code ****a (3) You are TDRCS/ASHLEYFURN-DSG the debt collector ***************** (5) I am invoking specified remedies under use 15 U.S. code ****c (c) (2) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code ****c (c) (1) 5.I am the executor under the 15 U.S. Code ****c (d) pursing to 15 U.S. Code ****d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) (2) and (4) 6.According to 15 U.S. Code 1962e (8) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. **** U.S. Code ****e (12) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices (8)9.While pursuing to ****g (b) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ***** U.S. Code ****k Civil Liability (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of (1) (2) (A) (B) (3)Business Response
Date: 11/08/2022
Good day. Please see the attached letter. Thank youInitial Complaint
Date:11/03/2022
Type:Billing IssuesStatus: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 VERY DISTURBED AND UPSET WITH TD AUTO FIN HAS NOT RESPONDED BACK TO ME I SENT A LETTER REQUESTING THE ***** OF CONTRACT. I NEED THESE ACCOUNTS DELETED FROM MY CREDIT REPORT THEY VIOLATING MY RIGHTSBusiness Response
Date: 11/10/2022
Good day. Please see the attached letter. Thank youInitial Complaint
Date:11/02/2022
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was applying for cash benefits as I am a single mother who receives no help. After applying i received a response saying they had inquired about my assets and found I had an open account with TD bank that had $9300 in it. I have not used this account in over two years and was unaware of how much was in it. I then proceeded to TD bank at **********************************************************************. I have reported back to this branch on multiple occasions providing the store manager *********************** proper photo identification, proof of address, proof of how I know of the account, all while being harassed with several questions each and every time. At first ****** said the funds would be released after they could prove it wasnt anything fraudulent deposited into the account. Once going through my deposit history and transactions proving no fraudulent checks or anything bouncing back they still refused to release the funds to me until said investigation is over. This has been going on for two months now. I am unable to receive any benefits from the state because of this and I really need help finding a solution.Business Response
Date: 11/11/2022
Good day. Please see the attached letter. Thank youInitial Complaint
Date:11/02/2022
Type:Product IssuesStatus: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 went to deposit a money order which I purchased with my ts account because I had never used it. I was treated like a criminal a copy of the money order was taking for verication purposes. I asked to speak to the manager she told me that it was to make sure it wasnt fraudulent and that she will call me back in a week. A week goes by and then a month went by. I went back in to make a deposit and inquire. She was rude and still said she was working on it. I stayed that I was not satisfied with the way I was being treated and that I would like to freeze my account until this was settled. She said she understood ok and that she would call me back this week. It never happened. Another month goes by now I get a call from td collections saying I owe money. I explained the scenario the told me to go to the branch and request a waiver. I went in to speak to the branch manager to discuss the money order that was the origin of the problem. And the fact that she closed my business account and attempted to charge it off as if it were my fault. That day after being irate and telling her this she finally deposited that initial money order into my checking account and said there was nothing she could do about my business account and to get out. There is also the fact that she said in Spanish this guy again as though she was aware but didnt want to be bothered.Business Response
Date: 11/10/2022
Good day. Please see the attached letter. Thank youInitial Complaint
Date:11/02/2022
Type:Billing IssuesStatus: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 October 24th I took my father (*******************************) to Td Bank in **************, **. My father found out while he was in the hospital my brother took the money out of his account and left him with $400. My father gave the bank instructions to close his account. ******************************* said that on the backend my father's pension check could be sent to a new account that only my father has access to. Yesterday on 10/31/22 ******** said that was bad information. Somehow the bad account was still left open. On 11/1/22 the $4000 deposit came and my brother took it. The bank will not help despite there being an active Attorney General complaint #***** and the bank aware that my brother ***** was impersonating my father to two different credit card companies. The bank also said they are not a mandated reporter.Business Response
Date: 11/11/2022
Good day. Please see the attached interim letter. Thank youInitial Complaint
Date:11/01/2022
Type:Billing IssuesStatus: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.
AFTER MONTHS OF MY LOCAL OFFICE REFUSING TO FILE A A DISPUTE FOR A FRAUDULENT TRANSACTION THAT HAPPEND MOMENTS BEFORE WHOEVER HAD MY CARD PUT SOME FRAUDULENT MOBILE DEPOSITS ON MY ACCOUNT I FINALLY FILED IT THROUGH CUSTOMER SERVICE, THEN RECEIVED ********************** BECASUE THEY KNEW IT WAS FRAUD ON MY ACCOUNT THEN NOT BEING ABLE TO WITHDRAW IT BECAUSE THEY THEN TRIED TO DENY THE **** THAT IT WAS FRAUD ON MY ACCOUNT WHICH I GOT CREDITED THE $350 OF $400 BEFORE THEY WOULD ATTEMPT TO MAKE IT LOOK AS IF IT WAS NOT FRAUD ON MY ACCOUNT, THEN MY LOCAL BANK ATTEMPTING TO HAVE ME ARRESTED ******* A BLACK MAN WON A DISPUTE THEY REFUSED TO FILE , STILL PUT ON TRESPASSING BECASUE THEY SAID I POSTED A ******* POST STATING THEY DISCRIMINATED AGAINST ME. WHICH IT REALLY SHOWED THE SAY THEY CALLED THE POLICE JUST BECASUE I WONT A $400 DISPUTE...NOW WHAT THEY WILL ATTEMPT TO DENY IT BECASUE THEY OWE ME FROM ALL THE MONEY THAT WAS BEING RETURNEED TO MY ACCOUNT THEY ARE REFUSING TO REFUND THE PERSON THESE TRANASCTIONS WERE SUPPOSED TO GO TO WHEN THEY KNEW FRAUD WAS ON MY ACCOUNT REMOVING THE MOBILE DEPOSITS BUT LEAVING A **** FEE TO TRAP ALL THE MONEY THAT CAME INTO THE ACCOUNT FOR 8 MONTHS AND BRINGING THAT **** BALANCE TO A NEGATIVE $50 BALANCE THEY ARE STILL REFUSING TO PAY MY MONEY WHEN THEY KNEW FRAUD WAS ON MY ACCOUNT THE THE ACCOUNT IS STILL BEING HELD IN THE ********** BUT THEY DID EVERYTHING ILLEGAL SO I WOULD NOT GET THIS AMOUNT THAT HAS BEEN OWED TO ME FOR OVER 8 MONTHS AND IF THEY TRY TO CHANGE THE DECISIONS WITHOUT ANY EVIDENCE AS TO WHY THE DECISON WAS CHANGED..THIS IS HOW BANKS ATTEMPT TO GET HE LAST WORD IN WITHOUT ALLOWING THE OTHER PARTY TO EXPRESS THIER TRUTHS...AND I WANT MY MONEY FROM THE CHARGEBACKS...THE RETURSN CASH APPS AND THEY REFUSING TO GIVE IT TO ME FOR SINCE JULY 2022Business Response
Date: 11/09/2022
Good day. Please see the attached letter .Thank youInitial Complaint
Date:11/01/2022
Type:Order IssuesStatus: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 called TD so many times they dont care and are vary rude, I asked for a manager many many times they are rude and never will call me back, they lied saying a manager gave me a call back yesturdsy that is false, they dont care, I keep explaining the payments that was returned was due to fraud that I didnt make someone else did, they also released the lein on the title so they cant do anything with the vehicle since its there fault, but I was being nice to pay anyways since I didnt want to s**** anyone over but they wont let me pay by a bank account thats the only way I can pay, I have no debit card, I will not send a check since that cost and can get lost in the mail. I need this resolved nowBusiness Response
Date: 11/09/2022
Good day. Please see the attached letter. Thank youCustomer Answer
Date: 11/09/2022
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.] 5 checks was not returned I even sent you my bank statement showing it was cleared so I need that 1000$ added and the blocked removed since you stole 1000$
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: 11/17/2022
Good day. Please see the attached letter Thank youCustomer Answer
Date: 11/17/2022
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 did fax it in and have proof they did receive the documents I was even told they received the documents and rejected the bank statements you stole over 1K so I will not pay a dime until this is fixed
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:10/31/2022
Type:Customer Service IssuesStatus: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 from Raymour and ******** in 2021. I opted in on a promotion for X mo interest free payments. I made my regular payments. I paid the account off early in August 2022. On October 20th, I received two separate letters indicating that TD Bank/Raymour was billing me $1,080 due to THEIR ERROR. I received confirmation from TD Bank/Raymour that my account was paid in full, as did the credit reporting agencies, in September. Per the letter, TD Bank never deducted the funds from my bank account and it took them over two months to inform me. I did not cross check to confirm that the funds were deducted at the time of my payment, as I had NEVER, in the time of my business with TD, needed to do so. Further, when I received confirmation that my account was paid, my assumption was that the funds had been removed. I now received a new statement indicated that I have a balance HIGHER than my credit limit, which negatively impacts my credit. My agreement with TD was to have the funds available when payment was made and for them to process payment in a timely fashion. I had the funds available, I paid off the account early but due to no error of my own, they failed to deduct the money. At this point, I do not have an extra $1,080 available nor will it be available within 18 days which is what they are now demanding in order to avoid the deferred interest charges. This seems like a scam to trick consumers into having to pay the deferred interest, even if the consumer pays off the account early. ** Attached are the August and October statements - No September Statement was provided. I received one in August reflecting a ZERO balance - PAID IN FULL then a surprise $1,080 ($200+ over the limit) balance at the END of October).Business Response
Date: 11/10/2022
Good day, Please see the attached interim letter while these concerns are researched. A full response will be provided once research has completed. Thank youCustomer Answer
Date: 11/10/2022
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 due to the fact that the notice that I received on or around 11/3/22 indicated that I had to pay OVER $1,000 BEFORE 11/19/22 to avoid being billed ALL of the DEFERRED interest charges. I will not be paying anything and I am absolutely NOT agreeable to being held to a contract with terms that were essentially changed at the end of the contract.
It looks as though TD used the additional 4 months when I believed that I had paid off a debt to stall in informing me that the debt was not paid, which then resulted in demanding immediate payment in full (16 days notice) OR 12+ months of interest. THIS IS NOT ACCEPTABLE
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: 11/15/2022
Good day. Please see the attached letter. Thank youCustomer Answer
Date: 11/15/2022
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.
ABSOLUTELY NOT! I paid the amount. My agreement states that I agree to have the funds available and to make payment by the due date, which I did. TWO MONTHS LATER, I was notified that an error on the behalf of TD BANK resulted in the funds not being deducted. This was not my error, nor my breach of contract. I fulfilled my contract. You state, "our goal is to provide legendary experiences to every customer." then do that. It is a MONTH prior to Christmas and NOT ONLY have you tarnished my credit by sending an update indicating that I used OVER 100% of my credit line, but you want me to submit over $1,000 or you are threatening me with charging the differed interest. That is poor business and terrible customer service. You are a gigantic bank. You made an error. I am a small household. When I made an error and paid a bill late, you were quick to charge me. Now, you made the error and it should cost you as well. The difference is, you can write it off and you will notice zero impact. Do the right thing.
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,******
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