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 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

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:05/13/2025

  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 filed complaints with several bank regulatory agencies because TD Branch located in *******, ** restricted me access to my new ATM debit card after I reported fraud on my checking account and disputed some previous charges. When I went to use my card the next day I was advised by TD customer service that the Branch restricted my card after my paycheck had been deposited. I reported the issue again to bank regulatory agencies and also to TD customer service. I feel TD closed my bank account without warning, notification, and without a valid reason other than retaliation for my complaints. Every excuse and dishonest comment they provided I rebutted. Wednesday, 5/7/2025 I took my son into TD to open his first account, We provided required documents and account was opened. After that I asked to speak with branch manager to see why TD closed my account, I also requested 6 months of back statements from Branch manager, ****** ************ ****** calls my teenage sons phone falsely alleging the *** advised my sons social number is invalid/fraudulent. She advised he has ******************************************** she is going to veto his new account, ****** has no business trying yo harass, bully, or intimidate my son using a federal agency, such as the *** to do so. I know for a fact ****** is being dishonest because the *** has processed tax returns with my sons social security number listed as a dependent. He also used same SS number to register for school and to meet any other government required criteria. ** has do many complaints online with bad reviews it is ridiculous. ****** ****** manager was also sharing some inappropriate information about the behavior of certain TD customers, which is why I find it very weird that she would do this. However this appears to be her character and a pattern of practice for her.

  Business Response

  Date: 05/21/2025

  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:05/12/2025

  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 contracted TD for transactions I did not recognize. I am writing to dispute two unauthorized debit transactions that have posted to my account. The first transaction occurred on March 17, 2025, and the second on April 28, 2025. labeled as DDA WITHDRAW AP TWO4C880 at **********************************************************************, and Debit each in the amount of ******. These transactions were not authorized by me, and I have no knowledge of them. The total amount in question is 780.00.Please open a claim to investigate these charges and return the full amount to my account as soon as possible. Let me know if you need any additional information or documentation from me. Is what I sent in. TD Bank refused to open up the claims for me even though I provided documentation for the claims as subsequent proof. This bank is very unprofessional and their fees are not it as well. There is barely a TD bank location where I reside and cannot physically go into one . They provided me no resolution and Im missing $780 in total out of my account.

  Business Response

  Date: 05/21/2025

  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: 05/21/2025

  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 rejecting this response because no one has communicated with me and advise I go to a TD branch which I do not have one located near me and the one located closest is 3hrs away. Not only did TD fail to address my concerns , my account can no longer be accessed by me and TD states its restricted and I would need to speak with the **************** but then the fraud department states they cannot unrestricted it and I would need to speak with someone else. Its a constant back and forth with no resolution.
  
  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,

  Keaira

   

   

  Business Response

  Date: 06/05/2025

  Good afternoon, 

  Please see the attached BBB written response. 

  Thank you,

• Initial Complaint

  Date:05/10/2025

  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.

  Details: Bank balance does not reflect my records. Paid to date $1,305. Original purchase $5454. - Current statement shows $5548. My records reflect a balance of $4419..Original agreement is 48 months no interest. Have spent hours on phone trying to resolve this. As I understand TD records all calls are recorded. Since conception of loan, TD tried to take from account the full amount of a loan causing a $25 fee from TB and a overdraft charge from my account. This should have been a $115. charge to my account as agreed. 48 months at $115, no interest. I continue to get interest and late fee charges that TD refuses to refund. My desired resolution is my account is made current. All interest,and fees be credited back to my account. Correction to credit bureau as this situation has lowered my score. I have made 10 payments of $115 as agreed at time of original purchase.

  Business Response

  Date: 05/19/2025

  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:05/08/2025

  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 February 11, 2025, I became aware that my checking account with TD Bank had been compromised. Working with a local branch I closed all of my accounts, which included a checking account, 3 savings accounts, and a heloc loan. The accounts were all closed and new ones set up quickly and without any problems except waiting for some deposits which had to be moved between accounts by the bank. The problem is with the ***** loan. Because it was closed with the others in February, I was told by the branch that I shouldn't make my March interest payment but wait for the new loan to be setup. I then started to receive notices in April that I was late on my payment and would need to pay an amount equal to 2 months to restore the account. I setup a payment with the bank's online payment service to make the payment in full. It seems that using that method delays the processing of the payments because it involves one **** making a check and sending it to the loan ***** Thus I received another letter now saying I was in default and the loan would not be funded for the additional monies until I settled the outstanding amount. I went to another branch and that ******* called and spoke to either, maybe both, the loan **** and the fraud office to see what could be done for me as this all started with me being told not to make that March payment. The last contact I have had with this second ******* was April 24th and he was told someone was still working on it. I tried to call him today, May 8th, but he is off and now that it has been more than 2 months, my frustration is growing. My next interest payment is due 5/12/25 and I expect to make it.

  Business Response

  Date: 05/15/2025

  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:05/07/2025

  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.

  Hello, I wrote a check to a company in the amount of $3,438.81 on 9/1/22. I mailed this check and on 9/7/22 it was cashed by someone who stole the check and cashed it at a TD Bank. The signature and the bank it was cashed at was not from the company I intended the check to go to. When I contacted TD Bank, they told me I must have my bank call their bank to fix this stolen check issue. My bank and I have repeatedly tried calling TD Bank and they have not answered them or myself. It has been almost 3 years since we are dealing with this issue and the bank will not respond to refunding me about my stolen check. The market manager at ******************** suggested I file a complaint here. This amount of money is very damaging for a small business, I hope you can understand.

  Business Response

  Date: 05/16/2025

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

• Initial Complaint

  Date:05/07/2025

  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 was recently informed via email from TD Bank that as of May 1st, 2025, my minimum daily balance requirement for waiving monthly charges will change from $1500 to $2500. While I understand that periodic changes are necessary for most if not all establishments, I do believe that my numerous years of banking with TDBank should mean that I am grandfathered into the minimum daily balance requirement that was established upon the opening of the account in 2014. Upon establishing the account, TD never stated or implied that they could or would abandon the initial contract, and that I would become vulnerable to newly imposed changes within the contract. I have been a loyal member of this institution for more than 10 years and although I would find it very inconvenient, it would not be impossible to find another banking home should TD insist on abandoning the original agreement signed in 2014.This new $2,500.00 daily balance requirement would not only cause financial strain but also undermine TD's credibility as a trustworthy financial institution. I ask that ** respect the grandfathered initial agreement and have my daily requirements remain at $1500.00

  Business Response

  Date: 05/16/2025

  Good morning, 

  Please see the attached BBB written response. 

  Thank you, 

• Initial Complaint

  Date:05/07/2025

  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.

  My name is ******* ****** *******, and I am reaching out as a federally protected consumer to formally request validation of an alleged debt being reported or collected by TD Auto Finance. I am exercising my rights under the Fair Debt Collection Practices Act (*****), specifically 15 U.S.C. 1692g. I want to be clear that I am not refusing to pay this debtI am simply asking your company to provide lawful validation as required when requested by a consumer.I am also notifying your company that any inaccurate or unvalidated information furnished on my consumer report may be considered fraudulent under both federal and state laws. If my rights continue to be violated under the ***** and the Fair Credit Reporting Act (FCRA), I will not hesitate to pursue legal ********** have 30 days to provide proper validation of this debt. During that time, I demand that all collection activities, including credit reporting, immediately cease and desist across all communication platforms and reporting agencies. I have attached a cease and desist order to this complaint, which is effective immediately.Please also be advised that, under 15 U.S.C. 1692g, within five days of the initial communication regarding a debt, a debt collector must provide written notice containing the amount of the debt, the name of the creditor, and a series of disclosures regarding my rights as a consumer. If your company fails to respond within 30 days with the required validation, I expect the debt to be deleted from my credit file without delay.

  Business Response

  Date: 05/16/2025

  Good morning, 

  Please see the attached BBB written response. 

  Thank you,

• Initial Complaint

  Date:05/05/2025

  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.

  Ive been charged by a merchant that I did not approve the charges. I made a dispute with Td Bank and they are claiming that they will not refund the money. Ive been paying from my Td Bank account and I want to dispute the charges to the merchant they have not been helpful in helping me resolve the issue from the merchant which is truth finder Ive also made a complaint with the BBB against truth finder to hopefully resolve this issue. I use truth finder to research one client Unbeknownst to me I was charge for multiple months following the initial research which I did not approve

  Business Response

  Date: 05/13/2025

  Good afternoon, 

  Please see the attached written BBB response. 

  Thank you, 

  Customer Answer

  Date: 05/13/2025

  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. 
  

  Re: BBB Case #********
  Re: Credit Card Ending in 6318
  
  
  To Whom It May Concern:
  
  
  I am writing in response to your recent letter regarding my Better Business Bureau (BBB) complaint and the denial of credit card disputes related to charges from ***************.
  
  
  I must express my deep dissatisfaction with the outcome of this review. As an account holder with TD Bank, I was unaware of the ongoing charges made by *********** over multiple months. I authorized only a single transaction. I did not knowingly enroll in or consent to a recurring subscription, and the continuation of these charges was unauthorized.
  
  
  A TD Bank representative initially contacted me about suspected fraudulent activity, specifically regarding these charges. However, despite this outreach and my cooperation, no action was taken to rectify the fraudulent charges. Instead, my card was closed, and I was inconvenienced by having to visit a branch to obtain a new one. Now, I am being held responsible for charges I neither knowingly approved nor benefited from.
  
  
  I also take issue with your reasoning regarding the dispute timeframe. Given that I was not made fully aware of the ongoing charges until months latercoupled with your own fraud alertit is inappropriate to deny my claim based solely on timing, particularly when your institution acknowledged suspicious activity.
  
  
  If TD Bank continues to deny this claim, I will pursue further action, including filing a case in Small Claims Court. I hope this matter can be resolved amicably and swiftly without additional escalation.
  
  
  Please reconsider your decision. I expect a full review of this matter and a reimbursement of the unauthorized charges. You may reach me at [your phone number] or [your email address] if you require further information.
  
  
  Sincerely,
  **** A. *****
  

  
  FAQ
  
  Regards,

  ****

   

   

  Business Response

  Date: 05/22/2025

  Good morning, 

  Please see the attached BBB written response. 

  Thank you, 

• Initial Complaint

  Date:05/04/2025

  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.

  Racist employee at TD bank hung up on me, after their ATM made a mistake

  Business Response

  Date: 05/14/2025

  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:05/01/2025

  Type:Product Issues
  Status:

  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 was expecting a $100 refund from Exoticca. ******** claimed that they sent the refund in January 2025 to the original payment method, xxx0298. However when I called TD **** (Apr 30, 2025), they could not find any refund transaction attached to the account xxx0298. The refund was not forwarded to the current account xxxx4279. The refund order reference number (**********ni) provided by ******** below doesn't serve any purpose for TD **** to confirm any transaction made with them.The resolution that was proposed by the TD **** Customer Service Supervisor (Junior) was to dispute $100 from the transaction of the full payment on Sept 11, 2024. TD **** gave me the reference number for this dispute, C2751629.I am caught between the merchant and TD **** that doesn't want to communicate with each other. I am left without any recourse. The resolution proposed by the TD **** CS supervisor doesn't seem feasible as it required to fax documents to them to support the claim. TD **** should investigate with Exoticca what happened to the refund transaction. I want to know where the point of failure is and get the refund that was owed.