Cookies on BBB.org

We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Share
Business Profile

Bank

TD Bank

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Bank.

Complaints

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

Find a Location

TD Bank has 1387 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Country
    Please enter a valid location.

    Customer Complaints Summary

    • 1,859 total complaints in the last 3 years.
    • 701 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:01/21/2025

      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.
      Proceeding a payoff with TD Bank on behalf of a Toro lawnmower I purchased TD Bank refuses to respond and continues pursuing delinquency. This account waspaid off on October 9, 2024. All correspondence have been ignored and yielded no response. I am requesting the intervention of the BBB to rectify this matter as their poor business practices are negatively impacting my credit attached documents can cooperate all of my accusations towards their business practices.

      Business Response

      Date: 01/30/2025

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

      Date:01/21/2025

      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 had made a purchase with a promotion from the store Raymour and ********* thru TD bank financing, I saw that the time for the promotion was running out so I called TD BANK before the date and asked what will happened and if I will be responsible for anything because if I was I was going to open up a card with 0 interest and pay them off so I won't be responsible for anything and I was told by the *** that I wasn't and that the only thing that will happen was that interest will be getting charged monthly from the ending date and forth going so I didn't get the 0 interest card. When I saw the new charges I called about this and was told that the only way to get rid of that new charge was to pay the remaining $800, this was in December, Christmas time. I just want them to remove this charges because if I knew this was going to happen I would have gotten the card that I was going to get to pay them off.

      Business Response

      Date: 01/31/2025

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

      Date:01/21/2025

      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 opened a ******* finance account with TD retail in 2022 and signed up for autopay at that time. I have neve3 had any issues until approximately September/October 2024 when I received a call saying my account was past due, when I called I was told my account had been mixed up with another customer. My payment was made. In November my payment was rejected. I made no changes to my account info with TD retail at no point. I spent multiple phone calls trying to figure it out, discovered that they had changed my bank account info and no one can tell me why. It has effected my credit report several times. The issue was supposed to be resolved but now it stated my January payment has been rejected and now my account is closed, something i did not request, and was not made aware of by **. I have paid off my balance and refuse to use them ever again in the future. I have disputed my credit report to no avail, something I have worked extremely hard for. They refuse to acknowledge the damages. Never returned phone calls regarding the matter. Also cannot view any statement on the site past October 2024

      Business Response

      Date: 01/30/2025

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

      Customer Answer

      Date: 02/02/2025

      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. 

      The allegations by TD retail are false. I spoke with several people in December alone and I can provide proof via phone logs and spoke to someone in upper management named ******** on one if these phone calls who informed me that the reason my payment was rejected was by that code but NOT by me or my bank (which my bank has confirmed) but that my bank account information had infact been changed by TD retail in the month of November. This information was told to me by two TD retail employees and they stated that they were not aware of any reason this could have happened.  Which is why I was never late on a payment prior to this issue happening on behalf of TD RETAIL alone. There are logs of my phone calls because when I brought up the previous calls to the people I spoke with, they could see them. TD retail made changes to my account info in their system by their own admission.  They had NO records of me calling to change the info and my bank nor myself rejected a payment. This is a code generated by TD retail as a result of using incorrect account info. The reason the payment was late was because of errors on TD RETAIL behalf and changing my account information. I did everything they asked me to to rectify the situation, even updated the info. They made the mistake. Not me. Not my bank. This is not the first complaint against them for such actions and they should take responsibility for their error

      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: 02/13/2025

      Good day. Please see the attached interim letter while your rebuttal is investigated. A full response will be provided once the investigation has completed. Thank you, 

      Customer Answer

      Date: 02/19/2025

      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. 

      Waiting on investigation and resolution of my credit report. Do not want case closed. 

      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: 03/13/2025

      Good afternoon, Please see the attached written response to your BBB complaint. 
    • Initial Complaint

      Date:01/17/2025

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 02/21/2024 I received a notification that a ********** was delivered. It wasn't to be delivered before March 1st and to a new addressed as I instructed them several times. I rushed to 12 miles to my future address to find no TV. I then rushed 30 miles to my current address at the time and no TV. I called ******* to find out where it was. They said they had no way to track it so I thought it was stolen. Hours later a 3rd party shipper called me saying the had it. I told them ******* screwed up the delivery date and told them to return it. Weeks later I received an email from ******* saying they received my return and it was accepted. However ******* Financing/TD Bank took automatic payments from my bank for 2 months before I alerted ***** Fargo *********** that TD bank was stealing from me. **************** retrieved 1 of those payments. I sent documentation to both TD Bank and ******* proving I owed nothing yet they continue to ruin my credit with false credit reporting.

      Business Response

      Date: 01/31/2025

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

      Date:01/16/2025

      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.
      We have late fees on our account that can NEVER be paid off! We have tried to even make extra payments and that didnt work! We called customer service 4 different times and all say we can never pay that off that basically it just keeps growing. This is a problem! This is ruining my credit!!! They are scamming hard working Americans out of their money and nothing is being done!

      Business Response

      Date: 01/24/2025

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

      Customer Answer

      Date: 02/01/2025

      To the Better Business Bureau: I have reviewed the business's response and find it insufficient to address my concerns regarding complaint #********. My attempts to resolve my account delinquency and pay all applicable late fees have been unsuccessful. **************** representatives have repeatedly stated that this is impossible, resulting in escalating late fees that are negatively impacting my credit score. My objective is to pay all outstanding fees and achieve current account status. I request further action. Thank you.

      Business Response

      Date: 02/13/2025

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

      Customer Answer

      Date: 02/23/2025

      To the Better Business Bureau: I find the business's response unsatisfactory and insufficient to address the issues raised in complaint #********. My concerns remain unresolved. Please note my rejection. Failure to provide detailed comments will result in closure of the complaint as "Answered."

       

      We request the opportunity to remit all outstanding late fees and other charges preventing full payment. Despite repeated attempts to determine the payment process, we have been informed that payment is not currently possible and that charges continue to accrue. This situation is negatively impacting our credit rating.

       

      All parties should maintain professional decorum and courtesy throughout the BBB complaint process.

       

      Sincerely,

       

      ****

      Business Response

      Date: 03/14/2025

      Good afternoon, Please see the attached BBB written response. 
    • Initial Complaint

      Date:01/16/2025

      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.
      PLEASE SEE ATTACHMENT

      Business Response

      Date: 01/22/2025

      Good day. Please see the attached letter. Thank you, 
    • Initial Complaint

      Date:01/15/2025

      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 was trying to pay back my overdraft when i was given a credit for the same amount. I was not aware of this and overspent money. Now i have so many fees i am not able to pay. I want to keep my account and pay what i owe and also get rid of overdraft protection. I have not had the account for 6 months and from the start it has been nothing but problems. Please help with a solution.

      Business Response

      Date: 01/23/2025

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

      Customer Answer

      Date: 01/23/2025

      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 

      I would like an extension on the time to pay the balance please. I will be paying 300 on 1/24 in person and would like to pay the balance in 2 weeks when i switch my direct deposit back over. Also I am no longer opting into overdraft. Please assist me with this if you can. Thank you so much!!!

      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,

      Faizah

       

       

      Business Response

      Date: 02/07/2025

      Good day. Please see the attached letter. Thank you, 
    • Initial Complaint

      Date:01/14/2025

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On August 11, 2024, and August 14, 2024, I purchased from ******* and returned them with order numbers SA354646428 and SA164555689. It is critical to highlight that ******* Financing transitioned to TD Financing during this timeframe. I have returned the items to *******, and this return is documented in their portal; however, the corresponding credit has yet to appear in my ******* credit account managed by TD Bank. Despite numerous attempts to contact ******* and the TD ******************* regarding this issue, I have received no response. I have sent multiple emails, including those from both parties, in the correspondence, yet neither organization has communicated. It is unacceptable that I am expected to pay for items I no longer possess, especially given that I have provided evidence of the return and confirmed its completion through the ******* website. The returns amount to $256.27 and $520.24, respectively. The lack of communication and resolution from both ******* and TD Finance is alarming, and I demand immediate action to rectify this situation. I have evidence that I am being charged for items not in my possession, while ******* claims to have processed the refunds to TD. This issue needs urgent attention and resolution.

      Business Response

      Date: 01/24/2025

      Good day. Please see the attached letter. Thank you

      Customer Answer

      Date: 01/24/2025

      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. 

      Not True on the reimbursement since it's clearly showing that I am paying for two(2) watches. The ****** was returned but as you can sell I am still paying on it. Same goes for the taxes being indicated above it. I've almost paid for a watch in its entirely when I never used it. 

      I will take the ****** and ******, but I did not keep the purchase for ******. I almost paid off 82.3% of something I never owned. 

      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: 02/07/2025

      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: 02/10/2025

      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 am thoroughly dissatisfied with the resolution provided thus far. It is ironic that while companies can expedite processes when they need financial resources, consumers face an endless waiting game when trying to reclaim their rightful reimbursements. The fact that a timeframe of 7-10 business days is considered acceptable is unacceptable, especially when consumers must navigate confusing challenges to get their funds back. This showcases troubling practices that have become all too common in corporate America.I have submitted clear evidence from my account, accessible to you, the Better Business Bureau, and any relevant parties, which shows that the funds have not been returned as they should be. I demand an immediate resolution that ensures my account reflects the correct amount. I purchased one pair of headphones and one watch, not two. I will not back down in advocating for consumer rights and will continue to highlight the dissatisfaction surrounding TD Finance. It is clear why ******* chose to sever its partnership with your company.

      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: 02/21/2025

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

      Customer Answer

      Date: 02/24/2025

      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. 

      If you don't mind me asking, where was I not civil, courteous and polite? Was it because the fact of the matter is that my statement was true and it's benefiting your end and not the consumer? Would love to know, if you're able to provide, how long has this has been going on between myself and TD and if anything has been rectified as of yet? Sure, I received a phone call from a TD *** who confirmed something was wrong on the account and would reach back out in the near future, but until then, I will continue responding in my way, a civil, courteous, and polite manner.  But my reason for asking is that I just made another payment for $37, and the account is reflecting the same incorrect amount. But guess I can be more civil, courteous, and polite when it comes to making a payment(s) on items that I don't own. Looking forward to speaking soon.

      Thank You again TD and BBB, hope you guys have a wonderful, safe, and healthy Monday.

       
      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:01/14/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Hello, on May 26 2022 I opened my TD bank ******* account to use at ******* and have made my payments on time since. It appears there was a business decision made between these two TD bank and ******* to discontinue the program. In term TD bank has not closed my account, which has dropped my Credit rating solely due to this business decision. They did not only discontinue the program they closed everyone accounts with out prior permission from the card holder. There can not be business decision, made for thousands of people like this. Td Bank had no legal right to close my account, and I am demanding my card be re-opened. It is not my fault TD bank and ******* no longer wish to due business, I had no control over this. This directly affects lives when our credit rating drops like this. It is beyond upsetting that it drops due to a business decision made by two billion dollar companies. That appear not to care about the customers. ********************** should know better, didn't they get sued for doing this type of stuff My account reopened, or by balance cleared. If you wish to close my account then you will pay it off. If my account is not reopened I will no choose but to file a lawsuit as my card agreement, does not allow them to do this

      Business Response

      Date: 01/23/2025

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

      Customer Answer

      Date: 01/27/2025

      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. 

      Hello in the past the BBB was a place where consumers could reach out to a companies higher management. It appears with TD Bank does not take BBB seriously or TD Bank is not taking me seriously.  It also appears this letter is in response to a complaint I made at ****, and a standard customer service representative responded. So they dont take BBB or CFPB seriously.If I wanted a standard response I would have called into the customer service line. 
       I am sending this request to have an executive or a higher manager than the standard customer service department.
       I would like to state I never received a copy of Section 20a that the nasty customer service department sent back, yes that letter was just unacceptable. And this statement is false:
      We have researched your account. Please be advised, by signing for the purchase, keeping, or otherwise accepting the card or account,you agreed to the terms and conditions of the Cardholder Agreement. Nope I never received a copy of this so.. And this Advisement is just a treat. 
      As of January 23, 2025 your account balance in $1,981.01.Please be advised, the terms and conditions in your Cardholder Agreement will apply until your account balance is paid in full. We are unable to honor your request to reopen the account or remove the balance.
      This part is just a threat, a reminder that I owe TD Bank. Un necessary and just a rude response.  


      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: 02/07/2025

      Good day. Please see the attached letter. Thank you, 
    • Initial Complaint

      Date:01/14/2025

      Type:Order Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have no contractual obligation with TD and have never received any documentation to substantiate the validity of this debt, despite my formal requests for verification. I specifically asked to review the original application or contract related to this alleged debt. Since TD has been unable to provide this documentation, I assert that the debt is not mine and should not be associated with my records.I kindly request the removal of this erroneous collection from my account and an acknowledgment of this resolution in writing. Thank you for your attention to this matter.

      Business Response

      Date: 01/23/2025

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

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.