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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
- 1,864 total complaints in the last 3 years.
- 702 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:10/10/2022
Type:Product 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.
TD Bank did not honor a $300 promotion despite the fact that I met all their terms. Here are the details: I opened a TD Beyond Checking account on 2/16/2022 using a promotion that promised a $300 incentive if I made at least $2,500 in direct deposits within 60 days. I met (and actually exceeded) both conditions by depositing a total of $3,750 in direct deposits by 3/31/22 from my employer's paycheck direct deposit program. The time frame for receiving the bonus was 120 days so after about 140 days, I called on 7/28 asking why I hadn't received the bonus and the gentleman I spoke with verified I had done everything right but said he had to notify another group who would reach out to me. I traded voice mails a few time and finally spoke to a representative on 8/5/2022 who indicated I had to have a direct offer made in my name and mailed to my house for this promotion to be honored; since I couldn't/can't prove I received a mailer the representative officiously indicated that I didn't qualify and this was the end of the matter. Surprisingly, he was completely unmoved when I mentioned that I had both a TD Ameritrade brokerage account and *** and had been a customer for well over a decade (I have since been told they are not affiliated). Finally, when I asked to speak to a manager he said that was not possible and this matter was settled. I was shocked by both the explanation and the treatment I received from this representative who genuinely seemed to take pleasure in shutting me down. Like most people, I'm bombarded by offers (including TD Bank) and am shocked to be told that 6 months after starting this process, I won't receive my refund because I can't supply the offer letter that was sent to me and/or defend how I came to know about this promotion. It seems to be by design that it's hard to get to anyone at TD Bank that can help or make an executive complaint so I'm asking your help to resolve this.Business Response
Date: 10/18/2022
Good day. Please see the attached letter. Thank youCustomer Answer
Date: 10/18/2022
[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:10/10/2022
Type:Service or Repair 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 writing pursuant to a formal claim, number: ******** against TD bank. The bank has refused to honor my claim for refund, despite numerous attempts. Supervisor had looked into my claim and found no issues as I have submitted all documents to them. Still, they keep declining my claim. Now they told me today, 10/10/2022 that it is out of time frame so I can no longer appeal their final decision. They responded to BBB that they will resubmit my claim and work it out so that BBB can close the case when I agree to the fact that they have resubmitted my claim, but they have lied. TD bank has showed my no respect and no regards. I waited upon them over two weeks, and they did not even bother to inform that they had made a final decision till I called them today. Please help me get my refund back because I still am not getting respond from the merchant. TD deliberately delayed me and purposefully refused my claim to refund. Please help me with all that you can, i have no one to help me. A copy of my first BBB filed claim with other important documents have been attached. Than you.Business Response
Date: 10/18/2022
Good day. Please see the attached letter. Thank youCustomer Answer
Date: 10/20/2022
I cannot accept their decision because they gave me bad customer service. I had submitted my claim way before the 120 days they are claiming. I have attempted several times and they never came up with such excuse, so I think they purposefully delayed and wasted time. If the case is out of time, it the fault of TD bank and they need to refund me. I also cannot get in touch with the merchant so therefore i cannot resolve it with merchant else I would not have asked them to step in. Please do follow the link to listen to the conversation that transpired between me and TD bank supervisor. He even admitted that I was treated poorly by TD bank customer service because they sent me on unnecessary loops. I have posed the audio on ******* because I am unable to send it here. Please do listen and you will understand everything. TD bank has discriminated against me, lied to and disrespected me so this is serious case that i will not take likely. I will fight this. Please help get justice, I will appreciate it.
IMPORTANT SUPPORTING AUDIO LINK: https://youtu.be/NdxYmzzoOZU
TD Bank cannot be trusted! Help me. - *******
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: 10/28/2022
Good day. Please see the attached letter. Thank youInitial Complaint
Date:10/10/2022
Type:Service or Repair 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.
Yesterday on 10/9/2022 I happened to login on to my mobile banking and discovered numerous amounts of **** charges. I couldnt identify why so I called customer service thinking some suspicious activity was going on with my account. The customer service rep informed me that the **** fees were due to transferring money between my savings to checkings account. They advised me that I should have been informed that its only a certain amount of transfers that can be done per month when the account was first opened. I went through my literature that I was given when this account was opened nothing backing that theory up. I was given a credit for the fees yesterday and was advised thats the most they are able to credit was for October and step into the a branch for the remaining fees in September. I came into the ********* branch and spoke with the branch manager and store manager regarding this issue. ***************************** **** which is the store manager. I was informed that customer service was in fact able to ********************** all the fees and not the ones just for October. I was told to go to my home branch where my account was first opened. I reached out to the branch where the account was first opened and still no solution to this issue. Its no way I would have given TD bank free money just to have access to my money knowing I would be charged a $**** for each transfer. No one offered me another account due to the excessive fees. They just let the fees accumulate more and more. Had I wouldnt have reached out I would have had no idea at any of this.Business Response
Date: 10/18/2022
Good day. Please see the attached letter. Thank youCustomer Answer
Date: 10/19/2022
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.]
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,Daneea
Whatever the response is coming from the business im unable to view it.
Customer Answer
Date: 10/20/2022
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 decline the offer. The literature that was shown in the response to the complaint I was never given a copy of that. Its no way I would have just given TD bank $9 just to be able to have access to my money when I could have either used a ATM or stepped inside of a branch. I dont have over $400 to give to TD for free just to be able to access my money. Accordingly to branch manager at ********* my a savings should have been closed due to excessive use. So if thats the case why would TD allow this and or never offered me a different account type?
Business Response
Date: 10/28/2022
Good day. Please see the attached letter. Thank youCustomer Answer
Date: 11/02/2022
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.
Hello yes this is the same message basically from their previous response in so many words. Nothing new has been said here. So no I dont accept their offer.
Initial Complaint
Date:10/09/2022
Type:Service or Repair 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.
On October 8,2022 I called td bank customer service to inquire about a posted check deposit. The rep stated the funds would be available on October 9, 2022. On October 9, 2022 I checked my balance in the td app and it said the funds would be available in 6 business days. Counting on that money, I ******** the account thinking that their new grace ****** policy would cover me since, I was told by a rep that the funds would be available the next day. Now I will get hit with an overdraft fee, which before this policy was in affect paid without complaint. I spoke with a supervisor named ****** who stated there was nothing he could do because the system operates on its own.Business Response
Date: 10/14/2022
Good day. Please see the attached letter. Thank youCustomer Answer
Date: 10/14/2022
[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:10/09/2022
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.
I sent $1500 to my husband who needed to pay a roofer to put a roof back on my house in *** which blew off from Hurricane ***. He never received transfer thru zelle thru my TD bank app. I went to branch in ******** ** and the rep told me my $1500 got lost cancel transaction, which I did. I was told the $1500 would be back in my account by 5 pm on 10/7. That never happened and my money is gone!!!!!!! Where is my money. TD bank assured me I would have my $1500 back in my acct on 10/7. No one can help. They dont know what they are doing. Who has my $1500? So needless to say, the roofer could not get paid so if it rains into my home, who will pay for that??? Bank acct # **********Business Response
Date: 10/20/2022
Good day. Please see the attached letter. Thank youCustomer Answer
Date: 10/21/2022
[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:10/09/2022
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 have made a good faith effort to work with TD Bank regarding ongoing pre-construction mortgage statement delays (generally delayed 2-3 weeks and delivered to my home address via ******* I have requested online access to payment amounts, or access via phone calls, text messages, or emails providing account information, all of which have been denied by TD bank because of systems limitations. The online portal provided no current information regarding amount due for my preconstruction loan. I was required to await **** delivery of my delayed statement each month in order to learn my current payment amount. MY TD BANK STATEMENT WAS NEVER RECEIVED WITHIN 2 WEEKS OF THE DATE OF THE STATEMENT (DUE TO CONSISTENT DELAYS THAT I REPORTED TO TD BANK REPEATEDLY). - In September 2022 my loan converted to ******** after an 18-month interest-only construction period. - Twice in July, twice in August, and most recently Sept 15, 2022, I contacted TD Bank to ensure that my account is in good standing with no late payments or other issues. I was informed each time that I have no outstanding debts, my account is in good standing, all payments are up to date, and no derogatory marks were listed. - TD Bank took the following action: 1. In a letter dated 8/2/2022 I received a notice of default, stating that my loan was in default (in spite of representatives for TD bank stating that my loan is current), and 2. In a letter dated 8/3/2022 I was notified the following: "Please note that as of 03/01/2021, your new payment amount is $1672.59...", and 3. Unlawfully reported false information to credit agencies.I have attempted to resolve this issue by countless means (telephone, email, in-person branch visits, and CFPB complaint). TD Bank has either ignored my requests or responded with inaccurate information that contradicts their own documentation.Business Response
Date: 10/20/2022
Good day. Please see the attached letter. Thank you.Customer Answer
Date: 10/20/2022
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.
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.
It is important to note that TD bank used the same fictitious persona, ******, to respond to this complaint, in the same manner that they did so in response to my CFPB compliant. The exact same boilerplate language was used, which as I stated before, COMPLETELY disregards the core of my complaint and instead simply provides perfunctory empty explanations. I have yet to reach a human to discuss this matter at the contact information provided for ****** [No last name or Identifier].
Regards,****
Business Response
Date: 10/28/2022
Good day. Please see interim letter while research continues. Thank you.Initial Complaint
Date:10/08/2022
Type:Service or Repair 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 returned a purchase made on *******.com to the *************************** ******** in ******* ***** on September 19, 2022 and have still not got my refund after more than 3 weeks. TD Bank has said they closed the account the refund was sent to while at the same time moving the balance to a new account so that I owe $1,383.43 and they have not applied my refund of $1,383.43 to zero out the account. The order number was US135954566 and I have attached photos of the in store return/refund receipt as well as the current status of my TD Bank ******* Finance account which is missing the refund.Business Response
Date: 10/18/2022
Good day. Please see the attached letter. Thank youInitial Complaint
Date:10/06/2022
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.
When I closed my TD Bank Checking account in November 2021 in *********** ******* they said I couldn't deposit cash into a account and close it because my cash would be pending for a week. Why would cash take a week to process or be on hold? The two lady's there laughed and said good riddens to this guy. We are glad he is leaving.Business Response
Date: 10/17/2022
Good day. Please see the attached letter. Thank you.Initial Complaint
Date:10/05/2022
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.
09/09/22 $494.00 I financed a cell phone from ******** I found my lost cell phone a short time (a day) later so I returned the cell phone to where I received it. I contacted Equifax. Today I got a letter in the mail saying that my dispute was rejected because I had no proof of my return. TD Bank says I owe them for this cell phone. I received an email confirming my return but having a difficult time finding the email. I *** not find it with it being the only confirmation I had. A free pair of iPhone ear buds were sent as a complimentary gift but now it's stated in the letter the cost of them will be deducted from any refund that *** occur. I do not have the phone and don't want to pay for something I don't have. Merchant: ******* Financing Program Account Ending: **** This is an email:TO ******* FINANCING: I have returned this phone. I have an email stating so as you can see. I ACCIDENTLY MADE A PAYMENT ON 7/15/22 IN THE *** OF $118.79 AND I AM REQUESTING NOW FOR A REFUND. I DO NOT HAVE A CONTRACT BECAUSE THE GALAXY A53 5 G 128 GB WAS BEEN RETURNED ALMOST IMMEDIENTLY. THE CARRIER AND THE ***** COMPANY FAILED TO TELL ME CERTAIN DETAILS ABOUT THIS ***** ARRANGEMENT. I UNDERSTOOD I WOULDNT NEED IT AFTER THE ABOVE PARTIES INFORMED ME OF THE DETAILS I SHOULD HAVE BEEN TOLD BEFORE THE PURCHASE. YES. KEEP READING IT GETS EVEN STUPIDER. **** RECEIVING THIS CONTRACT I MISTAKENLY TOOK IT AS ANOTHER BILL I JUST CREATED SEVERAL DAYS AGO. I SET UP AN OLINE ACCOUNT WITH ******* FINANCING I WANT CANCELED ALSO PLEASE. ACCT#*******************. REF# **** *****. PLEASE CORRECT THIS IN A TIMELY AMOUNT OF TIME. IF NOT, IT WILL PULL DOWN MY CREDIT AND THEN I WILL REPORT THIS TO CREDIT SERVICES AND BBB. THANK YOU. I HAVE UNDERSTOOD DISCREPANCIES ON THIS MATTER SO PLEASE DO THE SAME ON MY BEHALF.---------- Forwarded message ---------From: <******************************>Date: Thu, Jul 7, 2022 at 6:46Business Response
Date: 10/07/2022
Good day. Please see the attached letter. Thank you.Initial Complaint
Date:10/04/2022
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.
Going through a tough time my mother passed away a couple months ago from cancer and Ive been trying to contact TD auto finance to get another payoff letter sent to me for her car loan that she paid off two years ago Ive been asking for this letter for the past 30 days I keep getting the runaround no one is not sending me anything and I finally have to contact a lawyer to file late complaint with this companyBusiness Response
Date: 10/13/2022
Good day. Please see the attached letter. Thank you
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