This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 3,255 complaints

TD Bank US Holding Company - Debt Collector Complaint Profile

CFPB complaint profile across 53 states, reputation grade D.

Complaints by issue type

What consumers report about TD Bank US Holding Company

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.0/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: TD Bank US Holding Company ranks ahead of 28% of the 5,283 collectors PlainCollector grades - 72% keep a cleaner CFPB record, on 3,255 all-time complaints and a 100% timely-response rate.

28th pct
reputation rank of 5,283 graded collectors
3,255
CFPB complaints, all-time
100%
answered inside the CFPB window
1,069
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about TD Bank US Holding Company?

TD Bank US Holding Company has accumulated 3,255 total CFPB complaints across 53 states, with 1,069 filed in the most recent 12 months against 2,186 historical complaints before that window. The trailing-12-month volume represents 32.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 53 states, led by California with 580 and Florida with 343. Normalized against the full CFPB collector database, the reputation score of 56.0/100 places TD Bank US Holding Company in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

3,255

high-volume (CCDB)

Last 12 months

1,069

32.8% of all-time complaints

Rising ↑

States active

53

nationwide footprint

Timely response rate

100%

excellent band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

D

56.0/100 composite

How does TD Bank US Holding Company's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 28th percentile higher than 28% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

TD Bank US Holding Company versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 17.3%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 94.6%

Share of US states + territories with at least one filed complaint against this collector.

How does TD Bank US Holding Company compare to its peers?

How does TD BANK US HOLDING COMPANY compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
TD BANK US HOLDING COM… National average
Complaints (last 12 mo)lower is better
1,069
1,108
268
Timely-response ratehigher is better
100%
97%
91%
Consumer-dispute ratelower is better
17%
19%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 1,355
Took or threatened to take negative or legal action - 742
Written notification about debt - 378
False statements or representation - 339
Communication tactics - 204
Cont'd attempts collect debt not owed - 115
Disclosure verification of debt - 44
Threatened to contact someone or share information improperly - 38
Improper contact or sharing of info - 16
Taking/threatening an illegal action - 14

Where do complaints against TD Bank US Holding Company come from?

TD Bank US Holding Company's own per-state count, not a national baseline.

Top states by complaints against TD Bank US Holding Company

Across 53 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if TD Bank US Holding Company contacts you

A grade of D signals how TD Bank US Holding Company's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really TD Bank US Holding Company and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how TD Bank US Holding Company ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against TD Bank US Holding Company? ▼

The most common issue consumers report about TD Bank US Holding Company is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 3,255 complaints filed with the CFPB.

Are complaints against TD Bank US Holding Company increasing or decreasing? ▼

Complaints against TD Bank US Holding Company are rising. The company received 1,069 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is TD Bank US Holding Company's reputation grade? ▼

TD Bank US Holding Company has a reputation grade of D (score: 56.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does TD Bank US Holding Company respond to consumer complaints? ▼

TD Bank US Holding Company has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does TD Bank US Holding Company operate? ▼

TD Bank US Holding Company has received CFPB complaints from consumers in 53 states, with the most complaints from California (580 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.