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Customer Care

Do you have a complaint? 

The best way to address your complaint is to raise the issue as soon as it comes up with the person you are dealing with. Even if you don’t notice the issue right away, you can always get in touch with us at any time to voice your complaint. 

Before you begin, We recommend that you have supporting documents available. For your own security and safety, never send your account number, PIN, usernames, passwords or any other personal information by email. 

Which area of TD is your complaint related to?

Step 1: Voice your complaint

Tell us about your complaint and we'll work together to resolve it. For complaints related to:

  • Personal Banking

    • Chequing and Saving Accounts
    • Overdraft Protection, Credit Cards
    • GICs and Term Deposits

  • Business Banking

    • TD Small Business Banking
    • TD Commercial Banking
    • TD Merchant Solutions 

  • Lending Services

    • Mortgages
    • Loans
    • Lines of Credit

  • Financing Services

    • TD Auto Finance
    • TD Financing Services Inc. (TDFS) – Credit Cards

You can contact us as follows:

Phone: 1-833-259-5980

You can contact us as follows:

Phone: 1-833-259-5980
Email: customer.service@td.com

Step 2: Escalate your complaint

You can escalate your complaint in the following ways: 

  1. Ask the individual you are dealing with in Step 1 to escalate on your behalf.
  2. Escalate the complaint directly, using the following contact information:

Phone: 1-888-661-9029 (toll-free)
Email: customer.care@td.com
Mail: Customer Care, Toronto-Dominion Centre,
P.O. Box 1, Toronto, ON M5K 1A2

Step 3: Additional escalation options 

If you are not satisfied with the outcome you've received, you may escalate your concerns further using the options below:

The Senior Customer Complaints Office is an impartial body within TD responsible for reviewing customer complaints that remain unresolved after the completion of the first two steps of TD’s Customer Problem Resolution Process. The Senior Customer Complaints Office will investigate complaints and act as a liaison between customers and all business areas within TD Bank Group in Canada.

The Senior Customer Complaints Office is employed by TD Bank Group. While the Senior Customer Complaints Office does not report directly to any business areas in order to protect the office’s impartiality, it is not an independent dispute resolution service. The mandate of the Senior Customer Complaints Office is to review your concerns and provide a response that is objective and unbiased.

Escalations to the Senior Customer Complaints Office must be made in writing. Please be sure to provide us with your contact information, details of your concerns, and your proposed resolution. You can send your complaints to:

Email: td.scco@td.com

Mail: Attn: Senior Customer Complaints Office P.O. Box 1, Toronto-Dominion Centre, Toronto, ON M5K 1A2

If you have questions about the Senior Customer Complaints Office's process or require assistance in escalating your complaint, you can reach us at 1-888-361-0319 or visit the Senior Customer Complaints Office website for more information.

The use of the Senior Customer Complaints Office is voluntary. The estimated time that the Senior Customer Complaints Office takes to review and provide a response to matters varies; however, complex investigations may take longer to resolve. Please note that statutory limitation periods may continue to run while the Senior Customer Complaints Office reviews a complaint, which could impact the ability to commence a civil action.

You have up to 180 days to submit your complaint to OBSI for review once you have received a response in writing from Senior Customer Complaints Office (SCCO) and wish to escalate, or after 56 days have passed since you raised your complaint in step 1.

Ombudsman for Banking Services and Investments (OBSI)
Website:  www.obsi.ca
Phone:  1-888-451-4519
Email: ombudsman@obsi.ca
Mail: 20 Queen Street West, Suite 2400 P.O. Box 8 Toronto, ON M5H 3R3

The following independent services or agencies may provide you with information and a further review of your complaint. These agencies may contact TD to facilitate their investigation and work toward a resolution.

Financial Consumer Agency of Canada (FCAC)
Website: www.fcac-acfc.gc.ca
Phone: 1-866-461-3222
Mail: 427 Laurier Avenue W, 5th Floor, Ottawa, ON K1R 1B9

Office of the Privacy Commissioner of Canada (OPCC)
Website: www.priv.gc.ca
Phone: 1-800-282-1376 Fax: 1-819-994-5424
Mail: 30 Victoria Street, Gatineau, QC K1A 1H3

In Quebec, the Autorité des marchés financiers (AMF)
Website: www.lautorite.qc.ca
Phone:
Quebec City 418-525-0337
Montreal 514-395-0337
Other Regions 1-877-525-0337
Mail: 800, square Victoria, 22e étage C.P. 246, tour de la Bourse Montréal (Québec) H4Z 1G3.

To save a copy of our problem resolution process, download our printable Customer Problem Resolution brochure.

Step 1: Voice your complaint

For complaints relating to MBNA, use the contact information below:

Mail: Attention: MBNA Customer Service
P.O. Box 9614, Ottawa ON K1G 5E6

Phone: 1-888-876-6262 (toll-free)
TDD: 1-800-872-5758 (toll-free)

Mail: Attention: MBNA Customer Service
P.O. Box 9614, Ottawa ON K1G 6E6

Phone: 1-888-876-6262 (toll-free)
TDD: 1-800-872-5758 (toll-free)

Step 2: Escalate your complaint

You can escalate your complaint in the following ways: 

  1. Ask the individual you are dealing with in Step 1 to escalate on your behalf.
  2. Escalate the complaint directly, using the following contact information:

  • MBNA

    For MBNA complaints that are not insurance related, use the contact information below:

    Phone: 1-877-405-6262 (toll-free)
    Email: customerrelations@td.com
    Mail: MBNA Customer Care, P.O. Box 1, Toronto, ON M5K 1A2

  • MBNA (Insurance)

    For MBNA complaints related to insurance:

    Phone: 1-877-734-1288
    Email: TDINSCC@td.com
    Mail: TD Insurance Customer Care
    320 Front Street W., 3rd Floor
    Toronto, ON M5V 3B6

Step 3: Additional escalation options 

If you are not satisfied with the outcome you've received, you may escalate your concerns further using the options below:

The Senior Customer Complaints Office is an impartial body within TD responsible for reviewing customer complaints that remain unresolved after the completion of the first two steps of TD’s Customer Problem Resolution Process. The Senior Customer Complaints Office will investigate complaints and act as a liaison between customers and all business areas within TD Bank Group in Canada.

The Senior Customer Complaints Office is employed by TD Bank Group. While the Senior Customer Complaints Office does not report directly to any business areas in order to protect the office’s impartiality, it is not an independent dispute resolution service. The mandate of the Senior Customer Complaints Office is to review your concerns and provide a response that is objective and unbiased.

Escalations to the Senior Customer Complaints Office must be made in writing. Please be sure to provide us with your contact information, details of your concerns, and your proposed resolution. You can send your complaints to:

Email: td.scco@td.com

Mail: Attn: Senior Customer Complaints Office P.O. Box 1, Toronto-Dominion Centre, Toronto, ON M5K 1A2

If you have questions about the Senior Customer Complaints Office's process or require assistance in escalating your complaint, you can reach us at 1-888-361-0319 or visit the Senior Customer Complaints Office website for more information.

The use of the Senior Customer Complaints Office is voluntary. The estimated time that the Senior Customer Complaints Office takes to review and provide a response to matters varies; however, complex investigations may take longer to resolve. Please note that statutory limitation periods may continue to run while the Senior Customer Complaints Office reviews a complaint, which could impact the ability to commence a civil action.

You have up to 180 days to submit your complaint to OBSI for review once you have received a response in writing from Senior Customer Complaints Office (SCCO) and wish to escalate, or after 56 days have passed since you raised your complaint in step 1.

Ombudsman for Banking Services and Investments (OBSI)
Website: www.obsi.ca
Phone: 1-888-451-4519
Email: ombudsman@obsi.ca
Mail: 20 Queen Street West, Suite 2400, P.O. Box 8 Toronto, ON M5H 3R3

The following independent services or agencies may provide you with information and a further review of your complaint. These agencies may contact TD to facilitate their investigation and work toward a resolution.

Financial Consumer Agency of Canada (FCAC)
Website: www.fcac-acfc.gc.ca
Phone: 1-866-461-3222
Mail: 427 Laurier Avenue W, 5th Floor, Ottawa, ON K1R 1B9

Office of the Privacy Commissioner of Canada (OPCC)
Website: www.priv.gc.ca
Phone: 1-800-282-1376 Fax: 1-819-994-5424
Mail: 30 Victoria Street, Gatineau, QC K1A 1H3

In Quebec, the Autorité des marchés financiers (AMF)
Website: www.lautorite.qc.ca
Phone:
Quebec City 418-525-0337
Montreal 514-395-0337
Other Regions 1-877-525-0337
Mail: 800, square Victoria, 22e étage C.P. 246, tour de la Bourse Montréal (Québec) H4Z 1G3.

To save a copy of our problem resolution process, download our printable Customer Problem Resolution brochure.

Step 1: Voice your complaint

For complaints relating to TD Insurance, including

Home & Auto

Small Business Insurance:

Home & Auto Claims:

  • Please contact your advisor directly by using their direct phone number or email

Life & Health:

TD Protection Plans:

Travel:

  • For Sales & Policy Administration related complaints, please call our administrator CanAm Insurance Services (2018) Ltd. at 1-833-962-1143
  • For Claims related complaints, please call our administrator Global Excel Management Inc at 1-833-962-1140

For any travel insurance related complaint, your first step will be to communicate your complaint to our administrator:

  • Speak to one of the licensed representatives about your concern.

If a license representative cannot resolve your issue, it will be escalated to their supervisor to assist.

If you are not satisfied with the resolution provided in Step 1, please proceed to Step 2.

Step 2: Escalate your complaint

You can escalate your complaint in the following ways: 

  1. Ask the individual you are dealing with in Step 1 to escalate on your behalf.
  2. Escalate the complaint directly, using the following contact information:

Phone: 1-877-734-1288
eForm: Escalate your concern
Mail: Customer Care, Toronto-Dominion Centre,
P.O. Box 1, Toronto, ON M5K 1A2

If you are not satisfied with the resolution provided from Customer Care in Step 2, you can proceed to Step 3 to escalate to the Senior Customer Complaints Office. Be sure to have a decision in writing before escalating further.

Step 3: Additional escalation options 

If you are not satisfied with the outcome you've received, you may escalate your concerns further using the options below:

The Senior Customer Complaints Office is an impartial body within TD responsible for reviewing customer complaints that remain unresolved after the completion of the first two steps of TD’s Customer Problem Resolution Process. The Senior Customer Complaints Office will investigate complaints and act as a liaison between customers and all business areas within TD Bank Group in Canada.

The Senior Customer Complaints Office is employed by TD Bank Group. While the Senior Customer Complaints Office does not report directly to any business areas in order to protect the office’s impartiality, it is not an independent dispute resolution service. The mandate of the Senior Customer Complaints Office is to review your concerns and provide a response that is objective and unbiased.

Escalations to the Senior Customer Complaints Office must be made in writing. Please be sure to provide us with your contact information, details of your concerns, and your proposed resolution. You can send your complaints to:

Email: td.scco@td.com

Mail: Attn: Senior Customer Complaints Office P.O. Box 1, Toronto-Dominion Centre, Toronto, ON M5K 1A2

If you have questions about the Senior Customer Complaints Office's process or require assistance in escalating your complaint, you can reach us at 1-888-361-0319 or visit the Senior Customer Complaints Office website for more information.

The use of the Senior Customer Complaints Office is voluntary. The estimated time that the Senior Customer Complaints Office takes to review and provide a response to matters varies; however, complex investigations may take longer to resolve. Please note that statutory limitation periods may continue to run while the Senior Customer Complaints Office reviews a complaint, which could impact the ability to commence a civil action.

Ombudsman for Life & Health Insurance

Website: www.olhi.ca
Phone: 1-866-582-2088
Mail: 2 Bloor Street West, Suite 700 Toronto, ON M4W 3E2
Attention: General Manager

General Insurance OmbudService
Website: www.giocanada.org
Phone: 1-877-225-0446
Mail: 4711 Yonge Street, 10th Floor Toronto, ON M2N 6K8

For creditor protection complaints, you may escalate to OBSI.

In the case of concerns regarding TD Wealth (excluding TD Wealth Private Banking and TD Wealth Private Trust), you may escalate your complaint to the OBSI directly if you are not satisfied with our Step 2 response. You must escalate your complaint to OBSI within 180 days after receipt of our Step 2 response.

You may immediately escalate your complaint to the OBSI directly if we do not provide you with a response within the timeframe indicated in our acknowledgement of your complaint.

You may also escalate your complaint to the OBSI if you escalated your concern to the Senior Customer Complaints Office and are not satisfied with the response you received.

In the case of concerns regarding TD Wealth Private Banking and TD Wealth Private Trust, you may submit your complaint to the OBSI for review once you have received a response in writing from the Senior Customer Complaints Office and wish to escalate, or after the timeframe indicated in our acknowledgement has passed 56 days.

Ombudsman for Banking Services and Investments (OBSI)
Website: www.obsi.ca
Phone: 1-888-451-4519
Email: ombudsman@obsi.ca
The services of the OBSI are independent of TD and free
Mail: 20 Queen Street West, Suite 2400, P.O. Box 8 Toronto, ON M5H 3R3

If you are a resident of Quebec and you have a concern relating to TD Wealth Private Investment Counsel, TD Wealth Insurance Services, or TD Wealth Private Trust, you may have your file transferred directly to the Autorité des marchés financiers (AMF) for review. The contact information for the AMF is listed under the Industry Regulators and Additional Resources section below.

If you are a client of TD Wealth Private Investment Counsel and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you are a client of TD Wealth Insurance Services and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you are a client of TD Private Trust and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you have a concern relating to TD Wealth Financial Planning or TD Wealth Private Investment Advice, and are a resident of Quebec, you may consider free mediation services offered by the Autorité des marchés financiers (AMF), Québec’s financial sector regulator. If you are not satisfied with the resolution provided in Step 2 and/or with the decision of the TD Senior Customer Complaints Office, you can ask your complaint file be transferred to the AMF. Following the transfer, the AMF will examine the complaint file and, if deemed appropriate, may offer dispute resolution services. The filing of a complaint with the AMF is voluntary and does not interrupt the prescriptive period of civil remedies.

For more information on AMF mediation services, you may contact the AMF by telephone toll-free at 1-877-525-0337, by email at renseignementsconsommateur@lautorite.qc.ca, or online at www.lautorite.qc.ca.

The following independent services or agencies may provide you with information and a further review of your complaint. These agencies may contact TD to facilitate their investigation and work toward a resolution.

Financial Consumer Agency of Canada (FCAC)
Website: www.fcac-acfc.gc.ca
Phone: 1-866-461-3222
Mail: 427 Laurier Avenue W, 5th Floor, Ottawa, ON K1R 1B9

Office of the Privacy Commissioner of Canada (OPCC)
Website: www.priv.gc.ca
Phone: 1-800-282-1376 Fax: 1-819-994-5424
Mail: 30 Victoria Street, Gatineau, QC K1A 1H3

In Quebec, the Autorité des marchés financiers (AMF)
Website: www.lautorite.qc.ca
Phone:
Quebec City 418-525-0337
Montreal 514-395-0337
Other Regions 1-877-525-0337
Mail: 800, square Victoria, 22e étage C.P. 246, tour de la Bourse Montréal (Québec) H4Z 1G3.

To save a copy of our problem resolution process, download our printable Customer Problem Resolution brochure.

Step 1: Voice your complaint

For complaints related to any TD Investment Services Inc. account, please contact your TD Canada Trust Branch Manager directly or Money In Contact Center. To find your local TD Canada Trust Branch, please click here.

If you are not satisfied with the resolution provided in Step 1, please proceed to Step 2.

Step 2: Escalate your complaint

You can escalate your complaint in the following ways: 

  1. Ask the individual you are dealing with in Step 1 to escalate on your behalf.
  2. Escalate the complaint directly, using the following contact information:

Phone: 1-888-661-9029
Email: customer.care@td.com
Mail: Customer Care, Toronto-Dominion Centre, P.O. Box 1, Toronto, ON M5K 1A2

Step 3: Additional escalation options 

If you are not satisfied with the outcome you've received, you may escalate your concerns further using the options below:

The Senior Customer Complaints Office is an impartial body within TD responsible for reviewing customer complaints that remain unresolved after the completion of the first two steps of TD’s Customer Problem Resolution Process. The Senior Customer Complaints Office will investigate complaints and act as a liaison between customers and all business areas within TD Bank Group in Canada.

The Senior Customer Complaints Office is employed by TD Bank Group. While the Senior Customer Complaints Office does not report directly to any business areas in order to protect the office’s impartiality, it is not an independent dispute resolution service. The mandate of the Senior Customer Complaints Office is to review your concerns and provide a response that is objective and unbiased.

Escalations to the Senior Customer Complaints Office must be made in writing. Please be sure to provide us with your contact information, details of your concerns, and your proposed resolution. You can send your complaints to:

Email: td.scco@td.com

Mail: Attn: Senior Customer Complaints Office P.O. Box 1, Toronto-Dominion Centre, Toronto, ON M5K 1A2

If you have questions about the Senior Customer Complaints Office's process or require assistance in escalating your complaint, you can reach us at 1-888-361-0319 or visit the Senior Customer Complaints Office website for more information.

The use of the Senior Customer Complaints Office is voluntary. The estimated time that the Senior Customer Complaints Office takes to review and provide a response to matters varies; however, complex investigations may take longer to resolve. Please note that statutory limitation periods may continue to run while the Senior Customer Complaints Office reviews a complaint, which could impact the ability to commence a civil action.

You may also escalate your complaint to the OBSI if you escalated your concern to the Senior Customer Complaints Office and are not satisfied with the response you received. You must escalate your complaint to OBSI within 180 days after receipt of our Step 2 response. The services of the OBSI are independent of TD and free.

In the case of concerns regarding TD Securities Inc. you may escalate your complaint to the OBSI directly if you are not satisfied with our Step 2 response or if we do not provide you with a response within 90 days of your complaint.

Ombudsman for Banking Services and Investments (OBSI)

Website: www.obsi.ca
Phone: 1-888-451-4519
Email: ombudsman@obsi.ca
Mail: 20 Queen Street West, Suite 2400, P.O. Box 8 Toronto, ON M5H 3R3

If you are a resident of Quebec and you have a concern relating to Insurance Services (TD Insurance), you may have your file transferred directly to the Autorité des marchés financiers (AMF) for review. The contact information for the AMF is listed under the Industry Regulators and Additional Resources section below.

If you are a client of TD Insurance, please visit Customer Service & Problem Resolution.

The following independent services or agencies may provide you with information and a further review of your complaint. These agencies may contact TD to facilitate their investigation and work toward a resolution.

Financial Consumer Agency of Canada (FCAC)
Website: www.fcac-acfc.gc.ca
Phone: 1-866-461-3222
Mail: 427 Laurier Avenue W, 5th Floor, Ottawa, ON K1R 1B9

Canadian Investment Regulatory Organization (CIRO)
Website: www.ciro.ca
Phone: 1-877-442-4322
Email: info@ciro.ca
Mail: Bay Adelaide North, 40 Temperance Street, Suite 2600, Toronto, Ontario, M5H 0B4

Office of the Privacy Commissioner of Canada (OPCC)
Website: www.priv.gc.ca
Phone: 1-800-282-1376 Fax: 1-819-994-5424
Mail: 30 Victoria Street, Gatineau, QC K1A 1H3

In Quebec, the Autorité des marchés financiers (AMF)
Website: www.lautorite.qc.ca
Phone:
Quebec City 418-525-0337
Montreal 514-395-0337
Other Regions 1-877-525-0337
Mail: 800, square Victoria, 22e étage C.P. 246, tour de la Bourse Montréal (Québec) H4Z 1G3.

To save a copy of our problem resolution process, download our printable Customer Problem Resolution brochure.

Step 1: Voice your complaint

To discuss a complaint you have regarding an advised TD Wealth account, it is best to contact your advisor. If you are unsure how to reach your advisor directly, please call the appropriate number below and you will be directed accordingly.

Your advisor may refer you to speak with their Manager directly. The Manager has the decision-making authority to resolve most problems and will immediately escalate a concern to Step 2, if required.

Step 2: Escalate your complaint

You can escalate your complaint in the following ways: 

  1. Ask the individual you are dealing with in Step 1 to escalate on your behalf.
  2. Escalate the complaint directly, using the following contact information:

Email: td.waterhouse@td.com

Mail: TD Wealth Cares
79 Wellington Street W, 5th Floor
Toronto, ON M5K 1A2

Fax: 416-982-2452

Your concerns are important to us. We will work hard to address and resolve them for you. Where required, a written acknowledgement of your complaint will be sent to you within five business days from the receipt of your complaint.

In addition to acknowledging your complaint in writing we will also provide a substantive response in writing within 90 days of the date we received your complaint, though there are instances in which a response is required sooner (56 days). Our response in Step 2 will summarize your complaint and our findings and will include a reminder about escalation options available to you, including Step 3 should your concerns not be addressed to your satisfaction.

If you are not satisfied with the resolution provided in Step 2, you can proceed to Step 3 to escalate your concern to the Senior Customer Complaints Office (an affiliated service that is a voluntary process described in Step 3) and/or the Ombudsman for Banking Services and Investments (OBSI). For residents of Québec, you may proceed to Step 3 to escalate your concern to the Autorité des marchés financiers (AMF).

You may immediately escalate your complaint to the OBSI directly if we do not provide you with a response within the timeframe stated in our acknowledgment of your complaint. If you wish to escalate your complaint to the OBSI directly, you must do so within 180 days of receiving our response.

If your complaint relates to TD Wealth Private Banking2 or TD Wealth Private Trust2, you may escalate your concern to the Senior Customer Complaints Office. If you are not satisfied with the response of the Senior Customer Complaints Office or you do not receive a response from the Senior Customer Complaints Office within 56 days of the date your concern was received by the Senior Customer Complaints Office, you may escalate your complaint to the OBSI.

If your complaint relates to TD Wealth Insurance Services3, you may escalate your concern to the Senior Customer Complaints Office if you are not satisfied with our response. If you are not satisfied with the response from the Senior Customer Complaints Office, you may escalate your complaint to the OmbudService for Life & Health Insurance (OLHI).

Step 3: Additional escalation options 

If you are not satisfied with the outcome you've received, you may escalate your concerns further using the options below:

The Senior Customer Complaints Office is an impartial body within TD responsible for reviewing customer complaints that remain unresolved after the completion of the first two steps of TD’s Customer Problem Resolution Process. The Senior Customer Complaints Office will investigate complaints and act as a liaison between customers and all business areas within TD Bank Group in Canada.

The Senior Customer Complaints Office is employed by TD Bank Group. While the Senior Customer Complaints Office does not report directly to any business areas in order to protect the office’s impartiality, it is not an independent dispute resolution service. The mandate of the Senior Customer Complaints Office is to review your concerns and provide a response that is objective and unbiased.

Escalations to the Senior Customer Complaints Office must be made in writing. Please be sure to provide us with your contact information, details of your concerns, and your proposed resolution. You can send your complaints to:

Email: td.scco@td.com

Mail: Attn: Senior Customer Complaints Office P.O. Box 1, Toronto-Dominion Centre, Toronto, ON M5K 1A2

If you have questions about the Senior Customer Complaints Office's process or require assistance in escalating your complaint, you can reach us at 1-888-361-0319 or visit the Senior Customer Complaints Office website for more information.

The use of the Senior Customer Complaints Office is voluntary. The estimated time that the Senior Customer Complaints Office takes to review and provide a response to matters varies; however, complex investigations may take longer to resolve. Please note that statutory limitation periods may continue to run while the Senior Customer Complaints Office reviews a complaint, which could impact the ability to commence a civil action.

In the case of concerns regarding TD Wealth (excluding TD Wealth Private Banking and TD Wealth Private Trust), you may escalate your complaint to the OBSI directly if you are not satisfied with our Step 2 response. You must escalate your complaint to OBSI within 180 days after receipt of our Step 2 response.

You may immediately escalate your complaint to the OBSI directly if we do not provide you with a response within the timeframe indicated in our acknowledgement of your complaint.

You may also escalate your complaint to the OBSI if you escalated your concern to the Senior Customer Complaints Office and are not satisfied with the response you received.

In the case of concerns regarding TD Wealth Private Banking and TD Wealth Private Trust, you may submit your complaint to the OBSI for review once you have received a response in writing from the Senior Customer Complaints Office and wish to escalate, or after the timeframe indicated in our acknowledgement has passed 56 days.

The services of the OBSI are independent of TD and free.

Ombudsman for Banking Services and Investments (OBSI)
Website: www.obsi.ca
Phone: 1-888-451-4519
Email: ombudsman@obsi.ca
Mail: 20 Queen Street West, Suite 2400, P.O. Box 8 Toronto, ON M5H 3R3

If you are a resident of Quebec and you have a concern relating to TD Wealth Private Investment Counsel, TD Wealth Insurance Services, or TD Wealth Private Trust, TD Global Investment Solutions, you may have your file transferred directly to the Autorité des marchés financiers (AMF) for review. The contact information for the AMF is listed under the Industry Regulators and Additional Resources section below.

If you are a client of TD Wealth Private Investment Counsel and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you are a client of TD Wealth Insurance Services and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you are a client of TD Private Trust and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you have a concern relating to TD Wealth Financial Planning or TD Wealth Private Investment Advice, and are a resident of Quebec, you may consider free mediation services offered by the Autorité des marchés financiers (AMF), Québec’s financial sector regulator. If you are not satisfied with the resolution provided in Step 2 and/or with the decision of the TD Senior Customer Complaints Office, you can ask your complaint file be transferred to the AMF. Following the transfer, the AMF will examine the complaint file and, if deemed appropriate, may offer dispute resolution services. The filing of a complaint with the AMF is voluntary and does not interrupt the prescriptive period of civil remedies.

For more information on AMF mediation services, you may contact the AMF by telephone toll-free at 1-877-525-0337, by email at renseignementsconsommateur@lautorite.qc.ca, or online at www.lautorite.qc.ca.

The following independent services or agencies may provide you with information and a further review of your complaint. These agencies may contact TD to facilitate their investigation and work toward a resolution.

Financial Consumer Agency of Canada (FCAC)
Website: www.fcac-acfc.gc.ca
Phone: 1-866-461-3222
Mail: 427 Laurier Avenue W, 5th Floor, Ottawa, ON K1R 1B9

Canadian Investment Regulatory Organization (CIRO)
Website: www.ciro.ca
Phone: 1-877-442-4322
Email: info@ciro.ca
Mail: Bay Adelaide North, 40 Temperance Street, Suite 2600, Toronto, Ontario, M5H 0B4

Office of the Privacy Commissioner of Canada (OPCC)
Website: www.priv.gc.ca
Phone: 1-800-282-1376 Fax: 1-819-994-5424
Mail: 30 Victoria Street, Gatineau, QC K1A 1H3

In Quebec, the Autorité des marchés financiers (AMF)
Website: www.lautorite.qc.ca
Phone:
Quebec City 418-525-0337
Montreal 514-395-0337
Other Regions 1-877-525-0337
Mail: 800, square Victoria, 22e étage C.P. 246, tour de la Bourse Montréal (Québec) H4Z 1G3.

To save a copy of our problem resolution process, download our printable Customer Problem Resolution brochure.

Step 1: Voice your complaint

If your account is self-directed (TD Direct Investing1), please contact us via the phone number or email address below.

Phone: 1-800-465-5463  |  Email: td.waterhouse@td.com  

If your problem is not resolved to your satisfaction, ask to speak with a Manager. Managers have the decision-making authority to resolve most problems and will immediately escalate a concern to Step 2, if required.

Phone: 1-800-465-5463
Email: td.waterhouse@td.com

If you are not satisfied with the resolution provided in Step 1, please proceed to Step 2.

Step 2: Escalate your complaint

You can escalate your complaint in the following ways: 

  1. Ask the individual you are dealing with in Step 1 to escalate on your behalf.
  2. Escalate the complaint directly, using the following contact information:

Email: td.waterhouse@td.com

Mail: TD Wealth Cares
79 Wellington Street West, 5th Floor
Toronto, ON M5K 1A2 

Fax: 416-982-2452

Your concerns are important to us. We will work hard to address and resolve them for you. Where applicable, a written acknowledgement of your complaint will be sent to you within five business days from receipt.

Our response in Step 2 will summarize your complaint and our findings and will contain a reminder about escalation options available to you, including Step 3 should your concerns not be addressed to your satisfaction.

If you are not satisfied with the resolution provided in Step 2, you can proceed to Step 3 to escalate your concern to the Senior Customer Complaints Office (an affiliated service that is a voluntary process described in Step 3) and/or the Ombudsman for Banking Services and Investments (OBSI). For residents of Québec, you may proceed to Step 3 to escalate your concern to the Autorité des marchés financiers (AMF).

You may immediately escalate your complaint to the OBSI directly if we do not provide you with a response within the timeframe indicated in our acknowledgement of your complaint. If you wish to escalate your complaint to the OBSI directly, you must do so within 180 days of receiving our response

Step 3: Additional escalation options 

If you are not satisfied with the outcome you've received, you may escalate your concerns further using the options below:

The Senior Customer Complaints Office is an impartial body within TD responsible for reviewing customer complaints that remain unresolved after the completion of the first two steps of TD’s Customer Problem Resolution Process. The Senior Customer Complaints Office will investigate complaints and act as a liaison between customers and all business areas within TD Bank Group in Canada.

The Senior Customer Complaints Office is employed by TD Bank Group. While the Senior Customer Complaints Office does not report directly to any business areas in order to protect the office’s impartiality, it is not an independent dispute resolution service. The mandate of the Senior Customer Complaints Office is to review your concerns and provide a response that is objective and unbiased.

Escalations to the Senior Customer Complaints Office must be made in writing. Please be sure to provide us with your contact information, details of your concerns, and your proposed resolution. You can send your complaints to:

Email: td.scco@td.com

Mail: Attn: Senior Customer Complaints Office P.O. Box 1, Toronto-Dominion Centre, Toronto, ON M5K 1A2

If you have questions about the Senior Customer Complaints Office's process or require assistance in escalating your complaint, you can reach us at 1-888-361-0319 or visit the Senior Customer Complaints Office website for more information.

The use of the Senior Customer Complaints Office is voluntary. The estimated time that the Senior Customer Complaints Office takes to review and provide a response to matters varies; however, complex investigations may take longer to resolve. Please note that statutory limitation periods may continue to run while the Senior Customer Complaints Office reviews a complaint, which could impact the ability to commence a civil action.

You may escalate your complaint to the OBSI directly if you are not satisfied with our Step 2 response. You must escalate your complaint to OBSI within 180 days after receipt of our Step 2 response.

You may immediately escalate your complaint to the OBSI directly if we do not provide you with a response within the timeframe indicated in our acknowledgement of your complaint.

You may also escalate your complaint to the OBSI if you escalated your concern to the Senior Customer Complaints Office and are not satisfied with the response you received.

The services of the OBSI are independent of TD and free.

Ombudsman for Banking Services and Investments (OBSI)
Website: www.obsi.ca
Phone: 1-888-451-4519
Email: ombudsman@obsi.ca
Mail: 20 Queen Street West, Suite 2400, P.O. Box 8 Toronto, ON M5H 3R3

If you have a concern relating to TD Direct Investing and are a resident of Quebec, you may consider free mediation services offered by the Autorité des marchés financiers (AMF), Québec’s financial sector regulator. If you are not satisfied with the resolution provided in Step 2 and/or with the decision of the TD Senior Customer Complaints Office, you can ask your complaint file be transferred to the AMF. Following the transfer, the AMF will examine the complaint file and, if deemed appropriate, may offer dispute resolution services. The filing of a complaint with the AMF is voluntary and does not interrupt the prescriptive period of civil remedies.

For more information on AMF mediation services, you may contact the AMF by telephone toll-free at 1-877-525-0337, by email at renseignementsconsommateur@lautorite.qc.ca, or online at www.lautorite.qc.ca.

The following independent services or agencies may provide you with information and a further review of your complaint. These agencies may contact TD to facilitate their investigation and work toward a resolution.

Financial Consumer Agency of Canada (FCAC)
Website: www.fcac-acfc.gc.ca
Phone: 1-866-461-3222
Mail: 427 Laurier Avenue W, 5th Floor, Ottawa, ON K1R 1B9

Canadian Investment Regulatory Organization (CIRO)
Website: www.ciro.ca
Phone: 1-877-442-4322
Mail: Bay Adelaide North, 40 Temperance Street, Suite 2600, Toronto, Ontario, M5H 0B4
Email: info@ciro.ca

Office of the Privacy Commissioner of Canada (OPCC)
Website: www.priv.gc.ca
Phone: 1-800-282-1376 Fax: 1-819-994-5424
Mail: 30 Victoria Street, Gatineau, QC K1A 1H3

In Quebec, the Autorité des marchés financiers (AMF)
Website: www.lautorite.qc.ca
Phone:
Quebec City 418-525-0337
Montreal 514-395-0337
Other Regions 1-877-525-0337
Mail: 800, square Victoria, 22e étage C.P. 246, tour de la Bourse Montréal (Québec) H4Z 1G3.

To save a copy of our problem resolution process, download our printable Customer Problem Resolution brochure.

Step 1: Voice your complaint

To discuss a concern regarding a TD Securities Inc. account, please contact your Relationship Manager directly. If you are unsure of your Relationship Manager's contact information, you may send an email directly to TD Securities Inc. Compliance at TDSINSTEQCOMP@tdsecurities.com, and you will be directed accordingly.

If you are not satisfied with the resolution provided in Step 1, you can escalate to the Senior Customer Complaints Office or directly to the Ombudsman for Banking Services and Investments (OBSI). Please proceed to Step 3 for further information.

Step 2: Escalate your complaint

You can escalate your complaint in the following ways: 

  1. Ask the individual you are dealing with in Step 1 to escalate on your behalf.
  2. Escalate the complaint directly, using the following contact information:

If you are not satisfied with the resolution provided by your relationship manager, you can contact TD Securities Inc. Compliance at TDSINSTEQCOMP@tdsecurities.com or proceed directly to Step 3.

Step 3: Additional escalation options 

If you are not satisfied with the outcome you've received, you may escalate your concerns further using the options below:

The Senior Customer Complaints Office is an impartial body within TD responsible for reviewing customer complaints that remain unresolved after the completion of the first two steps of TD’s Customer Problem Resolution Process. The Senior Customer Complaints Office will investigate complaints and act as a liaison between customers and all business areas within TD Bank Group in Canada.

The Senior Customer Complaints Office is employed by TD Bank Group. While the Senior Customer Complaints Office does not report directly to any business areas in order to protect the office’s impartiality, it is not an independent dispute resolution service. The mandate of the Senior Customer Complaints Office is to review your concerns and provide a response that is objective and unbiased.

Escalations to the Senior Customer Complaints Office must be made in writing. Please be sure to provide us with your contact information, details of your concerns, and your proposed resolution. You can send your complaints to:

Email: td.scco@td.com

Mail: Attn: Senior Customer Complaints Office P.O. Box 1, Toronto-Dominion Centre, Toronto, ON M5K 1A2

If you have questions about the Senior Customer Complaints Office's process or require assistance in escalating your complaint, you can reach us at 1-888-361-0319 or visit the Senior Customer Complaints Office website for more information.

The use of the Senior Customer Complaints Office is voluntary. The estimated time that the Senior Customer Complaints Office takes to review and provide a response to matters varies; however, complex investigations may take longer to resolve. Please note that statutory limitation periods may continue to run while the Senior Customer Complaints Office reviews a complaint, which could impact the ability to commence a civil action.

You may also escalate your complaint to the OBSI if you escalated your concern to the Senior Customer Complaints Office and are not satisfied with the response you received. You must escalate your complaint to OBSI within 180 days after receipt of our Step 2 response. The services of the OBSI are independent of TD and free.

In the case of concerns regarding TD Wealth Management (excluding TD Wealth Private Banking and TD Wealth Private Trust), TD Direct Investing, TD Securities Inc., TD Investment Services Inc., and/or, TD Global Investment Services, you may escalate your complaint to the OBSI directly if you are not satisfied with our Step 2 response or if we do not provide you with a response within 90 days of your complaint.

Ombudsman for Banking Services and Investments (OBSI)
Website: www.obsi.ca
Phone: 1-888-451-4519
Email: ombudsman@obsi.ca
Mail: 20 Queen Street West, Suite 2400, P.O. Box 8 Toronto, ON M5H 3R3

If you are a resident of Quebec and you have a concern relating to TD Insurance, TD Investment Services Inc., Private Investment Counsel, TD Wealth Insurance Services, Private Trust, TD Global Investment Solutions you may have your file transferred directly to the Autorité des marchés financiers (AMF) for review. The contact information for the AMF is listed under the Industry Regulators and Additional Resources section below.

If you are a client of TD Insurance, please visit Customer Service & Problem Resolution.

If you are a client of TD Investment Services Inc. and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you are a client of Private Investment Counsel and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you are a client of TD Wealth Insurance Services and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you are a client of Private Trust and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you are a client of TD Global Investment Solutions and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

The following independent services or agencies may provide you with information and a further review of your complaint. These agencies may contact TD to facilitate their investigation and work toward a resolution.

Financial Consumer Agency of Canada (FCAC)
Website: www.fcac-acfc.gc.ca
Phone: 1-866-461-3222
Mail: 427 Laurier Avenue W, 5th Floor, Ottawa, ON K1R 1B9

Canadian Investment Regulatory Organization (CIRO)
Website: www.ciro.ca
Phone: 1-877-442-4322
Email: info@ciro.ca
Mail: Bay Adelaide North, 40 Temperance Street, Suite 2600, Toronto, Ontario, M5H 0B4

Office of the Privacy Commissioner of Canada (OPCC)
Website: www.priv.gc.ca
Phone: 1-800-282-1376 Fax: 1-819-994-5424
Mail: 30 Victoria Street, Gatineau, QC K1A 1H3

In Quebec, the Autorité des marchés financiers (AMF)
Website: www.lautorite.qc.ca
Phone:
Quebec City 418-525-0337
Montreal 514-395-0337
Other Regions 1-877-525-0337
Mail: 800, square Victoria, 22e étage C.P. 246, tour de la Bourse Montréal (Québec) H4Z 1G3.

To save a copy of our problem resolution process, download our printable Customer Problem Resolution brochure.

Step 1: Voice your complaint

If you are an institutional client of TD Asset Management Inc. and have a concern relating to services you have received from TDGIS, please contact your Relationship Manager or an Associate directly.

If you are not satisfied with the resolution provided by your Relationship Manager or an Associate in Step 1, please proceed to Step 2

Step 2: Escalate your complaint

You can escalate your complaint in the following ways: 

  1. Ask the individual you are dealing with in Step 1 to escalate on your behalf.
  2. Escalate the complaint directly, using the following contact information:

In the event a problem or concern is not resolved with your Relationship Manager or Associate, it can be escalated to Managing Director, Head of Institutional Distribution.

TD Global Investment Solutions
161 Bay Street, 30th Floor
Toronto, ON M5J 2T2

Phone Number: 1-888-834-6339 / 416-983-0055

Email: inst.info@tdam.com

If you are not satisfied with the resolution provided by the Managing Director, Head of Institutional Distribution and/or we did not provide you with a response within 90 days of the date you filed your complaint, please proceed to Step 3. For residents of Québec, you may proceed to Step 3 to escalate your concern to the Autorité des marchés financiers (AMF).

If you are not satisfied with the resolution provided in Step 2, please proceed to Step 3.

Step 3: Additional escalation options 

If you are not satisfied with the outcome you've received, you may escalate your concerns further using the options below:

The Senior Customer Complaints Office is an impartial body within TD responsible for reviewing customer complaints that remain unresolved after the completion of the first two steps of TD’s Customer Problem Resolution Process. The Senior Customer Complaints Office will investigate complaints and act as a liaison between customers and all business areas within TD Bank Group in Canada.

The Senior Customer Complaints Office is employed by TD Bank Group. While the Senior Customer Complaints Office does not report directly to any business areas in order to protect the office’s impartiality, it is not an independent dispute resolution service. The mandate of the Senior Customer Complaints Office is to review your concerns and provide a response that is objective and unbiased.

Escalations to the Senior Customer Complaints Office must be made in writing. Please be sure to provide us with your contact information, details of your concerns, and your proposed resolution. You can send your complaints to:

Email: td.scco@td.com

Mail: Attn: Senior Customer Complaints Office P.O. Box 1, Toronto-Dominion Centre, Toronto, ON M5K 1A2

If you have questions about the Senior Customer Complaints Office's process or require assistance in escalating your complaint, you can reach us at 1-888-361-0319 or visit the Senior Customer Complaints Office website for more information.

The use of the Senior Customer Complaints Office is voluntary. The estimated time that the Senior Customer Complaints Office takes to review and provide a response to matters varies; however, complex investigations may take longer to resolve. Please note that statutory limitation periods may continue to run while the Senior Customer Complaints Office reviews a complaint, which could impact the ability to commence a civil action.

In the case of concerns regarding TD Global Investment Solutions, you can escalate your complaint to the OBSI if you escalated your concern to the Senior Customer Complaints Office and are not satisfied with the response you received. You must escalate your complaint to OBSI within 180 days after receipt of our Step 2 response. The services of the OBSI are independent of TD and free.

In the case of concerns regarding TD Global Investment Solutions, you may escalate your complaint to the OBSI directly if you are not satisfied with our Step 2 response or if we do not provide you with a response within 90 days of your complaint.

Ombudsman for Banking Services and Investments (OBSI)
Website: www.obsi.ca
Phone: 1-888-451-4519
Email: ombudsman@obsi.ca
Mail: 20 Queen Street West, Suite 2400, P.O. Box 8 Toronto, ON M5H 3R3

If you are a resident of Quebec and you have a concern relating to TD Global Investment Solutions you may have your file transferred directly to the Autorité des marchés financiers (AMF) for review. The contact information for the AMF is listed under the Industry Regulators and Additional Resources section below.

If you are a client of TD Insurance, please visit Customer Service & Problem Resolution.

If you are a client of TD Investment Services Inc. and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you are a client of Private Investment Counsel and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you are a client of TD Wealth Insurance Services and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you are a client of Private Trust and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

If you are a client of TD Global Investment Solutions and a resident of Quebec, please refer to the applicable 'Complaint Examination and Dispute Resolution Policy for Quebec Residents' available in English and French.

The following independent services or agencies may provide you with information and a further review of your complaint. These agencies may contact TD to facilitate their investigation and work toward a resolution.

Financial Consumer Agency of Canada (FCAC)
Website: www.fcac-acfc.gc.ca
Phone: 1-866-461-3222
Mail: 427 Laurier Avenue W, 6th Floor, Ottawa, ON K1R 1B9

Canadian Investment Regulatory Organization (CIRO)
Website: www.ciro.ca
Phone: 1-877-442-4322
Email: info@ciro.ca
Mail: Bay Adelaide North, 40 Temperance Street, Suite 2600, Toronto, Ontario, M5H 0B4

Office of the Privacy Commissioner of Canada (OPCC)
Website: www.priv.gc.ca
Phone: 1-800-282-1376 Fax: 1-819-994-5424
Mail: 30 Victoria Street, Gatineau, QC K1A 1H3

In Quebec, the Autorité des marchés financiers (AMF)
Website: www.lautorite.qc.ca
Phone:
Quebec City 418-525-0337
Montreal 514-395-0337
Other Regions 1-877-525-0337
Mail: 800, square Victoria, 22e étage C.P. 246, tour de la Bourse Montréal (Québec) H4Z 1G3.

To save a copy of our problem resolution process, download our printable Customer Problem Resolution brochure.

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