Complaints

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

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  TD Bank

  10 Great Falls Plz Auburn, ME 04210-5915

• 

  TD Retail Card Services

  1906 Lincoln Highway Edison, NJ 08817

• 

  TD Retail Card Services

  2200 Route 66 Neptune, NJ 07753-4062

• 

  TD Retail Card Services

  688 Paramus Rd Paramus, NJ 07652-1768

• 

  TD Retail Card Services

  236 Sicklerville Rd Williamstown, NJ 08094-1502

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:10/04/2022

  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 have reached out to TD BANK NA. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. TD BANK NA you are furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies (a)Duty of furnishers of information to provide accurate information 1) Prohibition (A)Reporting information with actual knowledge of errors 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.Duty: a moral or legal obligation; a responsibility Accurate: correct in all details; exact.Prohibition: a law or regulation forbidding something As Defined by The *** Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The *** Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!ACCOUNT NUMBER: ****************

  Business Response

  Date: 10/13/2022

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

• Initial Complaint

  Date:10/03/2022

  Type:Customer Service 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 accusing me of payments already made and they are simultaneously saying that I was a victim of identity theft and that I don't owe them any money. I keep getting conflicting reports from this entity and they have attempted to ruin my excellent credit report. I have phoned TD bank services over their problematic correspondences and they have, even in this year, had me pay the same bill twice, leaving me a credit on my TD credit card! Their representatives have been so confusing that I closed my account with TD and then today October 3, 2022, I get a letter which is attached saying that I owe them money, but I have closed my account. I want nothing else to do with this company and I want that fraudulent amount to be removed from an account that I have already closed. And I want any negative remarks they made to credit card score keepers to be removed from my name.

  Business Response

  Date: 10/12/2022

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

  Customer Answer

  Date: 10/12/2022

  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 never saw credits.  Instead, as my documents show, they insisted that I owe them money.  I never saw those now listed credits.  And most of all, I closed that account and I want nothing else to do with that company.
  

  
  

• Initial Complaint

  Date:09/29/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened 2 disputes 1 for $137.00 for nails from ml pro and the other for $145.00 for ***** *********************** . I opened up these 2 disputes which were denied on 09/23/22. Because I paid for services and the services were not properly rendered. The nails were falling off, after 1 week and when I contacted the merchant they declined to repair the nails without another payment which I declined because I just paid $137.00 1 week prior. I'm very upset with tdbank because I only disputes things when it is a problem working it out with the merchant. I also had a hair braiding service which the stylist failed to redo after I stated my hair was ****** and bumpy due to extensive tightness. She declined to redo it. And I paid this stylist *********************** through zelle. I am very upset that I have to go through this. I will contact the ceo if necessary.

  Business Response

  Date: 10/07/2022

  Good day. Please see the attached letter. Thank you

  Customer Answer

  Date: 10/16/2022

  1. I did use zelle transaction.  2. I didn't know I would have issues with these services. 3. It wasn't no cancelation given because these are services paid via zelle, or cash which I thought zelle would've been safe . 4. I tried to work it out with the merchant before I opened up a dispute. 5. I will be contacting the ceo of td bank to let him know about the issues within the 2 disputes. Have a nice day. 

   

   

  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,

  Stefondra

   

   

• Initial Complaint

  Date:09/28/2022

  Type:Customer Service 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 *********** Services has falsely accused me of fraud, refused to inform me why and denied me usage of line of credit just approved, BEFORE I HAD AN ACCOUNT NUMBER OR A CARD NUMBER.

  Business Response

  Date: 10/07/2022

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

• Initial Complaint

  Date:09/28/2022

  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 Card is allowing charges against a credit card ****** that was cancelled a year ago. I am no longer with TD Ameritrade and they changed the terms of the card and announced that you may want to cancel which I did. They admit and it shows the card was cancelled. But charges kept showing up and I called and complained at least 6 times. They said they would look into it and the last time it was referred to a supervisor.. Then just last week they allowed another charge of approx 200$ against the cancelled card Another call and I was informed by ****** W that there really was nothing they could do and this could go on forever. A supervisor was supposed to call back which he did but when I answered the line went dead. This is unacceptable. It appears there are many others with similar problems. Each call takes over an hour because of waiting time. I have disputed the charges but the letter they sent back was saying that the issue is between the charging party and me, not the fact that the card allowed the charges to be made erroneously. Help !!!

  Business Response

  Date: 10/07/2022

  Good day. Please see the attached letter. Thank you

• Initial Complaint

  Date:09/27/2022

  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 a bank account a little over a year ago with a bonus offer that was contingent upon $500 in direct deposit within 60 days for a $150 bonus. There was also another offer that required 15 purchases using the debit card within 60 days for a $100 bonus. I fulfilled both requirements well within the stated time - I believe within 21 days for the direct deposit and within 45 days for the debit card transactions. The fine print stated that the bonus would be paid out within a few months, so I waited. After not receiving the bonuses, I contacted customer service over the phone. After an hour and a half on the phone, they stated no bonus was active during the time I opened the account, which was extremely frustrating since TD Bank regularly offers the same or similar promotions and had one ongoing at the time of the call. I then went into a branch (**** *************************************************************************) to see if I could resolve the issue in person. The banker tried to deny the promotion existed when I opened my account. I found proof of both promotions, after which the banker decided to check my account to see if I qualified for the bonus. She added up the direct deposits and the total was well over the $500 requirement. She then counted the debit card transactions and confirmed I should have received both bonuses. She then sent an email to someone asking about the bonus and stated in the email the requirements were met. She told me to wait a few weeks for a response. It has been a month since then and I have not heard back. It has been a long time and the bonus should have been paid out to me automatically and many months ago. I just want the money I was told I would get as the bonus was the only reason I opened the TD Bank account anyway, multiple banks such as Chase and **** of America also had bonus promotions ongoing at the time which I also could have signed up for.

  Business Response

  Date: 10/07/2022

  Good day. Please see the attached letter. Thank you

• Initial Complaint

  Date:09/27/2022

  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.

  On 3/31/22 I used my TD debit card to place a hold on a rental car through Expedia for Dollar Rental.This was on my TD **** ending in **** for $348.16. When I arrived for my rental in ******* I was asked to use a credit card for the actual payment for the car. I was told my TD debit card hold would be released, and per Dollar, it was. I was charged for a total of $476.90 - which includes the hold amount plus taxes and fees and tolls on my ****** credit card ending in ****. I provided TD with proof of payment for the charge 5x, I have called, went into the store, met with customer service, met with the manager, called the 800 #, and to this day TD is STILL holding my funds. I have provided proof with my ****** statement, Dollar statement. I verified with Dollar the hold was released. While it is common knowledge rental car holds must be released I am not sure why TD refuses to do so. This has been since May and is now going on 5 months of my money being held, not to mention the numerous hours i have waited. I have been a customer for over 20 years with pretty decent balances. This is simply unacceptable and i want my funds released back to my account now. Since then I have went on another vacation used an Amex card for the hold, paid with my ***************** again. Miraculously the hold was released immediately from Amex so why can't TD handle something so simple? I expect my funds to be released and put back into my account immediately. This is insane and ridiculous and makes me consider really changing banks.

  Business Response

  Date: 10/06/2022

  Good day. Please see the attached letter. Thank you

• Initial Complaint

  Date:09/27/2022

  Type:Customer Service 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.

  This account is mine and did have a balance. In May I had opened another credit card and did a balance transfer from the TD Home Inspiration card to the new card. Evidently there was a balance left on the TD card that I was unaware of. I have been out of the state working for the past year. I had someone receiving my mail but due to the fact I thought the TD card had been paid off I never had my home sitter open the mail. I was made aware of the situation by a notification my FICO score had decreased significantly. TD stripped me of my available credit and said they would not give it back because I had a bad payment history. That is untrue and I have on time documentation to say otherwise. Now that I know there is a small balance I am paying it off, I am just asking the negative **** on my credit be removed and my original credit limit restored. It was an honest mistake and I am making it right. Why should this company destroy my credit due to an innocent human error?

  Business Response

  Date: 10/06/2022

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

  Customer Answer

  Date: 10/06/2022

  I am ok with the money that is owed to TD bank and I will pay that.  I am asking that my credit with TD bank be restored to where it was at.  Because of the severe decrease in available credit it caused my credit score to drop significantly (55 Points).  I am in the middle of trying to buy a home, this action by TD bank has severely damaged my credit.  As I tried to say in the original complaint with limited characters, I want my credit restored and my credit report to reflect.  Like I said, this was an honest mistake.  I have been working on the road away from my address since last February.  The person watching my mail and home did not notify me that there was an existing balance on the TD card AFTER i did a balance transfer.  I mean please lets look at this, I did a balance transfer right as TD banks introductory offer of 0% interest.  Does TD bank really think I would purposely try and deceive them over a couple hundred dollars.  Just please adjust my credit, fix the score and I will pay whatever is owed to TD bank.  I am not a scumbag.  I am a human caught in a human error and I am just trying to make it right.  The original TD representative I spoke with said specifically, TD would not reinstate my credit because of poor payment history.  That is not true, I attached my history to the original complaint showing my good payment history.  Please just make the credit right and I will make the payment right. 

  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: 10/20/2022

  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. 

  [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,

  ******

   

  Again, I get the contract and your response.  Clearly you are not reading what I wrote.  I was working out of town.  The person getting my mail did not notify me there was an issue.  I WOULD HAVE never thought there was an issue because I did a balance transfer from the TD card to a citi bank card!  You are taking human error and punishing me over what I thought was a satisfied bill!  TD bank is a joke as is the BBB!!!  What happened to the consumer????  I guess we are not allowed to make mistakes!  Piss off!! 

• Initial Complaint

  Date:09/27/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello, I ordered a treadmill from Nordictrack and used td bank as a financing option because it was made available to me on Nordictrack website. Unfortunately.. the treadmill came and it did not work properly. Since then.. I have returned the treadmill to Nordictrack. Nordictrack claims that they refunded td bank in July. Td bank claims that they never received the refund from them. Because of this.. td bank is asking me to continue paying them for a treadmill that I have returned. I am stuck in between the two of them. Can you please help me with this issue? I have returned the treadmill (with Nordictracks delivery company). My account at td bank should be closed down and I should actually be refunded money because I had been making monthly install payments. I would greatly appreciate your help. I have been in contact with both td bank and Nordictrack on numerous occasions. Neither side has fixed my issue. As a result they have been reporting this to the credit bureaus. Im sure my credit score has taken a hit for their mistakes. Can you help me get the refund that I deserve? And get my credit score fixed?

  Business Response

  Date: 10/06/2022

  Good day. Please see the attached interim letter while this matter continues to be researched. Thank you

• Initial Complaint

  Date:09/26/2022

  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 started an auto loan with TD in April 2022. I set up auto pay immediately so I wouldn't have to keep track of making payments, I just always made sure I had at least $502.34 in my account to make the monthly payment. Unknown to me someone else wrote a check and TD bank accidentally posted toward my account keeping them from auto withdrawing my payment for 2 months. During those 2 months my wife had a miscarriage of our child and I unexpectedly lost my mom. We didn't keep track of our account because we knew it was on auto withdraw and would be taken care of automatically. We had other things to worry about and thought we were good. Once we were getting things back in order we checked our TD account and was assured it had been paid when we saw it was next due in October. Today we saw our checking account had dropped and checked to see that TD had withdrawn our payment which we thought was already paid. We logged in to see that we are now marked as past due and have a late fee bringing our due total over $1000. How can we be past due with auto withdrawal? This is not our fault and we requested it be extended because of their mistake. After my wife spent 2 calm but emotional hours on the phone with 4 representatives she was purposely hung up on, by the 2nd supervisor, with no resolution. We don't have an extra $1000 to pay them and its not our fault they didn't take our money when we agreed on a set amount and a schedule for them to take it. We checked and they said it had been paid so we used the money we thought was extra for other things. In the end they are our lender and responsible for this mistake, it should not impose financial burden on my family. At minimum we should be given an extension on the loan without fees. I'm very disappointed with the business practices I encountered today and the lack of resolution.

  Business Response

  Date: 10/04/2022

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