Total CFPB complaints
2,927
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 2,927 complaints
TD BANK US HOLDING COMPANY — Debt Collector Complaint Profile
CFPB complaint profile across 53 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about TD BANK US HOLDING COMPANY
- Attempts to collect debt not owed
Attempts to collect debt not owed
1,245 complaints
- Took or threatened to take negative or legal action 449
Took or threatened to take negative or legal action
449 complaints
- Written notification about debt 327
Written notification about debt
327 complaints
- False statements or representation 286
False statements or representation
286 complaints
- Communication tactics 130
Communication tactics
130 complaints
- Cont'd attempts collect debt not owed 56
Cont'd attempts collect debt not owed
56 complaints
D
Grade D · 56.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about TD BANK US HOLDING COMPANY?
TD BANK US HOLDING COMPANY has accumulated 2,927 total CFPB complaints across 53 states, with 856 filed in the most recent 12 months against 2,071 historical complaints before that window. The trailing-12-month volume represents 29.2% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 17% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 53 states, led by California with 518 and Florida with 317, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.0/100 places TD BANK US HOLDING COMPANY in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
856
29.2% of total history
Rising ↑
States active
53
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
56.0/100 composite
Response-quality profile
How TD BANK US HOLDING COMPANY performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 34.7%
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?
TD BANK US HOLDING COM… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed1,245 (%)
Took or threatened to take negative or legal action449 (%)
False statements or representation286 (%)
Written notification about debt327 (%)
Communication tactics130 (%)
Cont'd attempts collect debt not owed56 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 518 |
| Attempts to collect debt not owed | Debt was result of identity theft | 484 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 449 |
| False statements or representation | Attempted to collect wrong amount | 286 |
| Written notification about debt | Didn't receive enough information to verify debt | 233 |
| Attempts to collect debt not owed | Debt was paid | 188 |
| Communication tactics | Frequent or repeated calls | 130 |
| Written notification about debt | Didn't receive notice of right to dispute | 94 |
| Cont'd attempts collect debt not owed | Debt is not mine | 56 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 55 |
Where do complaints against TD BANK US HOLDING COMPANY come from?
The states where consumers have filed the most CFPB complaints against TD BANK US HOLDING COMPANY. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against TD BANK US HOLDING COMPANY
Across 53 states with at least one filing
- California
California
518 complaints
- Florida
Florida
317 complaints
- New York
New York
268 complaints
- Texas
Texas
266 complaints
- New Jersey 156
New Jersey
156 complaints
- Pennsylvania 137
Pennsylvania
137 complaints
- Georgia 136
Georgia
136 complaints
- Illinois 105
Illinois
105 complaints
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 2,927 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 856 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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (518 complaints).
What can I do if TD BANK US HOLDING COMPANY is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If TD BANK US HOLDING COMPANY violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |