Credit reporting
TD Bank: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 684
- Closed with money back
- 11%
- 2023 to 2025
- 184 to 283
Servicemembers filed 5.2% of TD Bank's 13,079 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 11% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 184 in 2023 to 283 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 192 |
| Credit card | 159 |
| Checking or savings account | 124 |
| Debt collection | 55 |
| Credit reporting, credit repair services, or other personal consumer reports | 47 |
By issue
| Incorrect information on your report | 138 |
| Improper use of your report | 70 |
| Managing an account | 66 |
| Problem with a company's investigation into an existing problem | 45 |
| Problem with a purchase shown on your statement | 43 |
| 2023: 184 | 2024: 217 | 2025: 283 |
Which accounts, specifically
| Credit reporting | 258 |
| Store credit card | 158 |
| Checking account | 147 |
| General-purpose credit card or charge card | 99 |
| Loan | 54 |
What went wrong, specifically
| Account status incorrect | 57 |
| Information belongs to someone else | 45 |
| Their investigation did not fix an error on your report | 43 |
| Account information incorrect | 41 |
| Reporting company used your report improperly | 39 |
Busiest month: May 2025, with 41 servicemember complaints. Most were submitted by web.
Most complaints came from FL (74), CA (64), TX (61) , then NY, NJ, GA.
How TD Bank answered
| Closed with explanation | 448 | 65% |
| Closed with non-monetary relief | 161 | 24% |
| Closed with monetary relief | 75 | 11% |
TD Bank responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Incorrect information on your report. OH, 2024-09-04. Outcome: Closed with non-monetary relief. Complaint 9997772
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Credit card; Getting a credit card. NC, 2024-08-29. Outcome: Closed with non-monetary relief. Complaint 9984866
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Credit card; Problem with a purchase shown on your statement. AL, 2024-08-31. Outcome: Closed with explanation. Complaint 9980779
If this is your problem at TD Bank
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: TD Auto Finance SCRA: 6% Cap, One Military Line, the Overseas Car Rule.
Compare with credit reporting peers
- Affirm 733 servicemember complaints; 0% with money back
- Fidelity National Information Services, Inc. (Fnis) 574 servicemember complaints; 0% with money back
- Military Star card (AAFES) 545 servicemember complaints; 0% with money back
- Cbc Companies 439 servicemember complaints; 0% with money back
- Self Financial 380 servicemember complaints; 1% with money back
Next in the directory by volume: Barclays Bank Delaware, OneMain Finance, National Credit Systems.
Frequently asked questions
How many complaints did servicemembers file against TD Bank?
684 complaints tagged servicemember were received by the CFPB about TD BANK US HOLDING COMPANY between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 184 in 2023 to 283 in 2025.
What do servicemembers complain about most at TD Bank?
Credit reporting or other personal consumer reports accounts for 192 of the 684 complaints, and the most common issue is "Incorrect information on your report" (138). Next: "Improper use of your report" (70).
Does TD Bank give money back when a servicemember complains?
11% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 161 closed with non-monetary relief and 448 closed with an explanation only. TD Bank answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.