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Small Claims Court

How to Sue TD Bank

Updated January 10th 2023

6 min read

This article will explain how to deal with a complaint against TD bank and have your issue resolved quickly.

How to Sue TD Bank

How to Sue TD Bank

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Trey Salm

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TD Bank is one of the biggest banks in North America and is known for its great customer service and reliability. You may even be surprised to hear that TD Bank has an A rating with the Better Business Bureau. That said, with so many millions of users in North America, it's inevitable that some customers will run into problems with their account.

The most common issue customers report and sue TD Bank for are undisclosed overdraft fees. The bank has been known to charge its users a fee for spending more money than they have in their account, with no prior notice or explanation. In addition, TD Bank has also been accused of charging borrowers excessively high-interest rates for late or missed payments, and a class action lawsuit was brought claiming TD opened accounts in customers' names without their permission. 

In this article, we will cover how to file a complaint against TD Bank and have the issue resolved as quickly as possible. We'll cover for you what to do before filing your complaint, how to contact TD Bank for help, and then how to pursue small claims court if necessary.

Remember, if you need to file a small claims case, Dispute can help you generate, notarize and file one within minutes from your phone or computer.

TD Bank Customer Support

It's best practice to at least attempt to resolve your issue with TD Bank through their customer service team before you decide to take any legal action. That said, you may want to prepare for a slog. While many users report that the TD Bank customer support team is one of the best, it can still be difficult to get in touch with any support team of a company this large.

One reason for potentially slow customer support is that TD Bank has an outsourced customer support center. As a result, you won’t be talking to the bank's staff directly, but rather to a customer service contractor who has limited, second-hand knowledge of how the bank operates. To make things more difficult, representatives at TD Bank's call centers often are provided strict scripts and guidelines they are forced to follow. If an issue can't be resolved using these scripts, a representative may have to consult a supervisor or manager before being able to assist with a more complicated request. So, even if the issue at hand is relatively simple, it may be difficult to get through to a customer service representative who can help you, and they might not be able to resolve your issue right away.

Since TD Bank’s customer service is distributed across various call centers, there are specific phone numbers for different issues and countries. You can find all the relevant contact information on the company’s Contact Us page.

If you have reached out to TD Bank but still have not resolved the issue, small claims court is a fast and easy way to get your voice heard. Lawyers are often not permitted in small claims court, so you can save money by following this route.

In many states, before you can take TD Bank to court, you must send them a demand letter. This is a letter you write to inform the company that they must address your complaint or if they refuse, for them to pay you what you're owed.

A demand letter should meet certain criteria. Before sending it over to TD Bank, make sure it:

  1. States the full name and address of the banking institution where you have a business relationship
  2. Includes your name and address as well as your account number
  3. Explains the nature of your complaint. This is an important part and you should include specific details about what happened and how the company has harmed you
  4. Provides a detailed explanation of how you’d like the complaint to be resolved. For example, if TD Bank refuses to remove fees, ask for a refund or some type of consideration that makes sense given the situation
  5. Is written in a professional tone without being overly emotional or aggressive toward the recipient

After sending the demand letter, be sure to keep a copy of everything you've sent the company as well as any responses you receive. Sending the letter through a method that provides a tracking number can help provide evidence for court later.

And remember, Dispute can help you generate and send a demand letter via USPS 2-day shipping (with a tracking number attached) in just minutes from your phone or computer.

The legal process for suing TD Bank in a small claims court can get complicated even if it's easier than a civil court. Dipute is here to offer you a faster and simpler yet equally effective alternative. With us, you don’t need to worry yourself with tedious bureaucracy. Our software can help you sue TD Bank in small claims court by generating and notarizing a court filing for you in minutes.

Here’s how you can file a claim against TD Bank in a few easy steps:

1. Head to our website to access our software:

‎2. Click "Get Started" and choose the "Small Claims" service (or another if you'd like to start somewhere else).

‎3. Enter your case information including your info, the defendant's info and a summary of the issue.

‎4. Choose the courthouse where you want to file, answer their form's specific questions, and sign the document. Now you're ready to file a case directly with the court from your phone or computer.

Frequently Asked Questions:

Who is TD Bank's Registered Agent?

  • The Registered Agent may vary depending upon who you're filing against, and where you are filing. TD Bank's Registered Agent is the Corporation Service Company. You can find their information below.

Do I need a lawyer for Small Claims Court?

  • Not necessarily. One of the easier things about small claims court is that lawyers aren’t usually required. This may make the small claims process less intimidating and more affordable. But, still, the small claims process can get complicated. Consider filing through Dispute, as we simplify the small process with our software.

How much does it cost to file a Small Claims Case?

  • Court Filing Fees: The amount you will pay to file a small claims lawsuit depends on how much you are suing for and where you are suing. You can expect to pay between $30 to $400 to file the lawsuit. _If you cannot afford to pay court fees, you can ask the court to waive the fees.  ‍_Dispute charges a small fee to help generate, sign and/or file any documents on your behalf.
  • Serving Costs: Once the lawsuit is filed, you must notify the company that you have sued them. This is called "serving." Serving Costs can range from $20-100 depending on the local area.

If you have any questions about filing a small claims case against TD Bank or accessing Dispute's software, please reach out and contact us.

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