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 Bank

  75 Rockefeller Plz New York, NY 10019-6908

• 

  TD Bank

  136 Margaret St Plattsburgh, NY 12901-2927

• 

  TD Retail Card Services

  1906 Lincoln Highway Edison, NJ 08817

• 

  TD Retail Card Services

  688 Paramus Rd Paramus, NJ 07652-1768

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:02/11/2025

  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 wired forty five thousand dollars from my TD bank account to another TD Bank account to pay fees to an individual impersonating as an agent from the ************************************ who helps victims recover money lost to a scammer. When the scammer received the money his final words via text on whatsapp "You are duped", "you are not going to recover your lost money". I reported the incident to TD Bank on 1/27/25. An investigator was assigned to my case. To date the investigator has not reached out to me. I went personally to the bank and was informed that an investigator was assigned to me. To date the investigator has not reached out to me.

  Business Response

  Date: 02/20/2025

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

  Customer Answer

  Date: 02/20/2025

  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. 

  On 1/27/2025 I did not create a wire transfer in the amount of $45, 000.00.  On 1/27/25 I informed TD Bank that I was scammed.  On 2/6/2025 $44, 258.19  please clarify.  As per my conversation with *** from the **************** the defrauded money cannot be recovered by me and she suggested that I subpoena the scammer.  An unacceptable response.  She can put me in harm's way.  
  
  Thank you for your assistance in this matter.

  Business Response

  Date: 02/28/2025

  Good afternoon, please see the attached BBB written response. 

• Initial Complaint

  Date:02/09/2025

  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.

  On 11/15/24 I made a balance transfer from ******************* to a new credit card at TD Bank, NA. On 11/29/24 ************** reversed the balance transfer. This is documented on the attachments.TD Bank claims they see no reversal on 11/29/24, and they claim I still owe them money.

  Business Response

  Date: 02/19/2025

  Good day. Please see the attached inteirm letter while these concerns are investigated. A full response will be provided once the invesetigation is complete. Thank you, 

• Initial Complaint

  Date:02/07/2025

  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,It is a complaint about the TD bank credit card offered in Raymour and Flanigar. I always pay well above the minimum due to complete the entire purchase within the interest fee period which was offered to me. It happened that I have paid the statement of my April 2024 after the midnight of the due date. I paid $400 while the minimum payment was about $150. However, I have been charged for $29 late fee for a few hours of delay which can happen to any loyal customers these days. I emailed customer service which I didn't receive any useful reply. Subsequently I called customer service where I haven't received any help for my concern. While I have $13,000 credit limit on this card with the current balance of less than $300, my experience shows TD has a very disappointing and poor customer service and very disloyal to your loyal customers. I will pay off this card at the end of next billing cycle and will never use your card and wont recommend anyone to it.

  Business Response

  Date: 02/14/2025

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

• Initial Complaint

  Date:02/07/2025

  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 writing to formally address an ongoing issue I have been experiencing with my monthly payments to TD financing which has led to the accumulation of late fees that I believe are unjustified.

  Business Response

  Date: 02/19/2025

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

  Customer Answer

  Date: 03/01/2025

  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. Although Ive been credited the late fee this time, what about all the others. This is a reoccurring problem. Every month I have to call in. You have a computerized system that has and continues to reject my payments. Even when attempting to pay in store the clerk wasnt able to process my payments. I am now in the 12th month with uncertainty of my owed bill or the interest that Im being forced to pay. This is cyber crime. TD financing is not even affiliated with the TD Bank I use. TD financing is a cover up to trick people into believing their using there regular bank. I want to get as far away from TD financing as soon as possible even if it includes taking a loan to cover whats owed. I am also willing to transfer the Raymour and Flanigans account to my Discover card if able to. 

  [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: 03/12/2025

  Good afternoon, please see the attached written BBB response letter. 

• Initial Complaint

  Date:02/06/2025

  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.

  On 4/9/24 I made the monthly payment to my loan. On 4/23/24 I received a "PAST DUE NOTICE" for April. In May 2024 I went to TD Bank to talk with the Manager, ******** ******. After speaking with several representatives, no one was able to get the issue resolved. The assistant manager told me that he would get back to me. I made 1 payment for May 2024 billing notice which was showing 2 payments due. I spoke to the assistant manager again and he told me he would contact the loan department again. On 5/23/24 I received a "PAST DUE NOTICE" for May. Shortly after I received the ******************* showing 2 payments due. I went to the bank to make the June payment and speak with the assistant manager. He provided me with a statement showing that April 2024 payment was applied as additional principal and not applied as payment for April. May payment showed that it was applied to April and that is why it was showing 1 payment PAST DUE. He assured me that the issue would be resolved for July. I waited for the July Billing Notice before making payment for June and July. On 6/21/24 I again received a "PAST DUE NOTICE" for 2 payments instead of just the June payment. I went to the bank on 7/8/24 to make the June and July payment and to talk to the assistant manager. He told me it would be reflected and fixed on the ****** billing notice. However, it was not and when I returned in ******, the assistant manager was no longer with the bank. I now started to deal with the Branch Manager, ******** ******. I have dealt with her every month since ****** 2024. She has not fixed the account since ****** and is no longer at that branch. I have made payments for each month and received PAST DUE NOTICES for each month after April 2024. On 1/27/25 the Billing Notice for February still shows 2 payments due and there is an Interest Adjustment of $6,123.06 on 1/23/25 with no explanation. I have no online access to the account and have never received a monthly statement.

  Business Response

  Date: 02/14/2025

  Good day. Please see the attached interim letter while these concerns are investigated. Thank you!

  Customer Answer

  Date: 02/14/2025

  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. 

  Issue is not resolved and is only under review by the business.  It has been under review for over 8 months and I would like the complaint to remain open until I am satisfied that it has been resolved.
  
  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: 03/05/2025

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

  Customer Answer

  Date: 03/05/2025

  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. 

  As of today, 3/5/25, I have not received the Billing Notice or a Statement for March payment.  I have only received phone calls explaining the situation but since I have not received a new Billing Notice or Statement, I have not been able to verify that the issue has been resolved.  I also don't understand why they will not give me online access to manage the loan.  I have been told many times that their system shows that I do have online access, but till this day, I still do not.  Please keep complaint open until I have confirmed the issue has been resolved and I am satisfied with the result.
  
  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: 03/11/2025

  Good day. Please see the attached interim letter while these concerns are investigated. A full response will be provided once the investigation is complete. Thank you

  Customer Answer

  Date: 03/13/2025

  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. 

  As of today, 3/13/25, I still have not received the Billing Notice or a Statement for March payment.  I spoke to *** ****** to inquire about where my March Billing Notice or Account Statement was.  His response was, "I don't know!"  He has not been helpful at all.  Therefore, I went to the local TD Bank branch in **********, ** and made a payment for March.  Please keep complaint open until I have confirmed the issue has been resolved and I am satisfied with the result.
  
  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: 03/25/2025

  Good afternoon, Please see the attached BBB written response. 

  Customer Answer

  Date: 03/25/2025

  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. 

  I will not be satisfied until I receive the next billing statement in the mail, and it verifies the info provided.  I also do not understand why I am denied online access.
  
  Regards,

  *****

   

   

• Initial Complaint

  Date:02/06/2025

  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.

  My son deposited a social security check that he receives monthly and has for years, and the bank said the check was fake and closed his acc and my fathers acc. My father is in hospital and they wont let him open a new acc unless its in person the bank did not even give us a call to to let us know what was going on. They just closed both accounts saying the check was fake. Its not fake I had all the paperwork proving its real. I also contacted social security and they can see the check on there end that they sent and the date it is not fake like they said. Now that they closed the accounts without even letting us know we have no access to money direct deposits of sons and fathers pay will not be able to go into acc- since father is in hospital he cant open a new acc so he wont be able to pay any bills or mortgage- all credit cards are going to be unpaid and get late fees there was no fraud and they just closed two accounts this is really unbelievable how they can get away with this going to ruin there credit and possibly worse to come

  Business Response

  Date: 02/14/2025

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

• Initial Complaint

  Date:02/05/2025

  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.

  After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:?Company Name: TD AUTO FIN Account #: ********** Balance: $0.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  Business Response

  Date: 02/11/2025

  Good day. Please see the attached response letter and enclosures. Thank you, 

• Initial Complaint

  Date:02/04/2025

  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 was charged $16 and some change on my debit card for audible. I dont have an account with audible and never have. I contacted both audible and TD Bank and I have not received any type of help from either parties.

  Business Response

  Date: 02/13/2025

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

• Initial Complaint

  Date:02/04/2025

  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.

  In Dec. 2020, my TD Bank ************** (high yield) account interest dropped to 0.01% without notification. I did not realize this until 11/2024 because I had been misreading my statements as 1% and not as 0.01% (and because it always said Rate bump next to the account name). I noticed in Nov. 24 and went to a local TD branch to discuss. The Asst ******* told me the ************** account hadnt existed since 2017 and that this was probably why my interest was so bad; he updated my account to their new equivalent high-yield product, ****************** I asked why no one had informed me that I needed to change my account type to keep high yield interest. He said they are not required to inform clients of changes on variable rate accounts. I told him I wanted to receive compensation for lost interest; since I always had 80K+ in the account, loss was approx $200/month for 4 yrs. He said he would speak to a manager and then left me a voicemail stating that retroactive interest had been credited to me ONLY for the full month of Nov. 2024. I was not satisfied, so I met with a manager on 12/4/24 who told me variable rate accounts change and I should've been monitoring my statements. I told him that I still wanted to understand why such a big reduction took place without notification. He agreed it was odd and was not sure why, but guessed that: the ************** account must have been set to automatically switch to a 0.01% rate at some point once that account type had been discontinued. I asked why it happened in 2020 and not when ************** was discontinued (which they had told me was around 2017). He didnt know. He said I must have gotten a notification about the new product ******************* and had not read the fine print about what would happen if I did not switch to the new account type. I asked for documentation of how customers had been notified of that or if something similar had happened to other customers in the same situation. He wouldnt tell me.

  Business Response

  Date: 02/13/2025

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

  Customer Answer

  Date: 02/20/2025

  Dear BBB,

  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 # ********. TD Bank did not even answer my most basic request for information (much less provide any compensation).

  Here is what I asked for and did not receive any info at all about: [The manager told me that] my ************** account must have been set to automatically switch to a 0.01% rate at some point once that account type had been discontinued. I asked why it happened in 2020 and not when ************** was discontinued (which they had told me was around 2017). He didnt know. He said I must have gotten a notification about the new product ******************* and had not read the fine print about what would happen if I did not switch to the new account type. I asked for documentation of how customers had been notified of that or if something similar had happened to other customers in the same situation. He wouldnt tell me. Still no explanation as to why this supposedly higher interest account -- whose statements appeared in my inbox with "RATE BUMP" next to the account type -- switched to .01% interest with no notice.

  In their response, they explained why they cant automatically change [their] Customers product types. Of course they cant; I asked for proof that they had notified customers of this drastic change in interest and when it would take effect. They also repeated info that I already supplied in my complaint: namely that they did backdate part of one month's interest for me (out of YEARS); if they thought it merited compensation for one month, why not more?

  Ive never experienced so little transparency about a matter with such large financial consequences. If this is how TD treats is customers of 15+ years, I will be taking my business elsewhere and telling every single other TD customer I know to do the same. 
   
  Regards,

  *****

   

   

  Business Response

  Date: 03/04/2025

  Good afternoon, Please see the attached BBB written response. 

• Initial Complaint

  Date:02/03/2025

  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.

  Need LIEN removed from auto title. Was on phone for several hours with several people.

  Business Response

  Date: 02/11/2025

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