TD Bank: Your Rights

Matters Lawyers Handle in This Sector

• Account holds, restrictions and closures
• Card fraud and unauthorized transaction disputes
• Loan, line-of-credit and mortgage disputes
• Small-business lending, security and guarantees
• Privacy and personal-information handling

Your Rights

• Request written reasons and use the internal complaint process
• Escalate to the external complaints body
• Access and correct personal information held about you
• Seek legal advice before signing lending or security documents

How to Escalate a Matter

1. 1Internal complaint process

   Mandatory first step; obtain a written response.

2. 2Ombudsman for Banking Services and Investments (OBSI)

   External complaints body for unresolved disputes.

3. 3Financial Consumer Agency of Canada (FCAC)

   Consumer-protection oversight for federally regulated institutions.

Escalation routes and their requirements change. Confirm the current process before relying on it.

Frequently Asked Questions

What if I get no response to my complaint?

Document the dates and escalate. The external complaints body can generally take a matter once the internal process is exhausted or a defined period has passed — confirm the current requirement.

Can I dispute a fee?

Yes. Fees must align with your agreement and required disclosure. Ask for the provision relied on in writing, then escalate if the explanation does not match the contract.

This page is educational information about the regulatory framework and your options in this sector. It is not legal advice, contains no complaints, ratings, reviews or rankings, and makes no statement about the conduct of any organization. LegalCounselNearMe is not a law firm and is not affiliated with TD Bank.