TD Bank

The recent Privacy statement: "TD Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Out-of-Band Authentication Services or the Software (collectively "User Information")." With all the stealing of information going around, why is this needed and why would you keep your accounts with them?

Purchased a Samsung phone, as I would purchase any phone, through the company. I did not realize they did not process their own payments so I did not review whom they worked with... Turns out it is TD Bank. I have no words for this experience. There is no real good website to check your account or make payments through. They do not accept credit cards, only checking, and you tell it to a random voice over the phone (I am very protective of my checking account number and this is a huge security red flag for me). When something doesn't go through they don't send a polite text, or email, like a 21st century company - they call you with the tone of a debt collection agency chasing down a thief or something. It is intense and horrible.

TD Canada Trust - I have been a TD client for the past several years. I have always paid my bills and credit cards. There have never been any issues. Recently I received a letter via UPS with a suspicious letter on Nov 23. The letter stated that they were terminating my accounts. I tried to contact Sharleen ** and I was denied the request to talk to her. Because of her actions I'm not sure if I'm able to pay my staff. This should prove very disturbing for everybody because initially I thought this was just a scam but it was not and the bank has not given me the reason why they have shut down my Visa and accounts. Merry Christmas Sharleen **!!! Thank you for making my staff uncomfortable.

My father is primary on the account and I was added as authorized user. My dad receives all the statements so I was making payments not knowing the due date. So I accrued some fees and paid a portion as that was my fault. Fast forward to November 14th which is my due date. I paid on the due date just at 9:51 PM and I was assessed yet another fee and customer service including the manager who speaks a million miles an hour would not reverse. She thought I was trying to make an excuse and had the nerve to say, "well what was your excuse for previous late payments?" No excuse here which is why I paid the late fees last time but I should have been reversed this fee as I have proof I paid on the payment date. They are extremely rude and unprofessional and can't wait to pay this off and never do business again.

My fiancé was in the hospital for over 5 weeks. When he got off and finally went back to work, he deposited his first check on November 16th counting it would be clear on Tuesday morning as it always did. The deposit was in the amount of 2K and until now, November 26th the check haven’t clear. He is behind on his bills and the bank is charging over $200 in overdrafts. I called several times last week. They told me to go into the bank. I did that yesterday! They told me only the manager can solve this matter. For me to go back today. So I went back and the manager told me that is nothing he can do. BS! What a waste of my time. I even called them again just now. I couldn’t be unhappy with TD. I have an account with Bank of America as well, and never ever had this problem! Hopefully now, my fiancé listens to me and close this account for good.

Over the phone customer service is passive, but friendly. They are unable to assist with anything! I made a deposit into my account a week ago, and was told since it was a different bank, and that I was a new customer, that it COULD have up to a 5-day hold... Fine... It's now a week later, and I'm being told that it won't clear until the following Tuesday. I had my payroll department check the status of clearing, and this cleared 3 days ago, and yet I still have to wait another 5 days to get my money!!!

I have been banking with TD Bank for over five years, and I should have closed my accounts last year. They charge needless fees for personal checking accounts, taking extra long to process even cash deposits so they can turn around and hit you with something. I was told when I opened my account there were no minimum balance fees; I've been hit with well over $100 in such this year alone. I was told I could turn off their ridiculous "overdraft protection" service to avoid fees, and every few months it is mysteriously re-activated. It has now gotten to the point that I can not use my account, for fear of getting charged with one fee, usually in error, which triggers another, and another, and so on, and good luck getting any help with your problems.

I was intentionally misled into depositing $11,000 into an account. The day that the check should have cleared TD closed the account and then gave me the runaround as to why they did it. They supposedly changed a policy AFTER the deposit was made and now have chosen that once the check clears I will have to wait for them to review everything then cut a check and mail it to me. This was all the money I had, now I have nothing. I will lose my home and car and everything I own due to this situation that the employees of TD Bank have caused. TD used to be a good bank, but they now have chosen the path of profit over customers. They should not be allowed to do business in the United States any longer.

TD is the worst banking experience I've ever had in almost 50 years. Rude staff, fee, after fee, after fee. After about 5 yrs with TD Bank, I will definitely be saying goodbye after 2018. In the last several years I've turned several people on to TD Bank and I wish I hadn't.

I received a call from TD about my credit card account. I failed to call them back until they called again to say my account was locked. I asked them why and they told me it was from an online purchase that looked suspicious. What's ridiculous is that I've ordered from this site numerous times before. They then instructed me to send in 3 documents (2 forms of ID and a utility bill or car registration with my address on it) by fax to verify my identity (even though I had to tell them all my information including my name, card number with CVC number, social security number, and birth date - they still wanted all these documents).

This bank will charge you for everything. I had positive balance and still was charged overdraft fees and they did not credit me back. It's money trickery. They say it deposit was pending... It was a cash deposit still pending... huh? They run you in circles with processing fees.

I’ve been with TD Bank for over 15 years, even opened a small business account with them over a year ago. I’ve been depositing checks via mobile deposit for the past year from the same company that they received the checks from and never had a problem. The last two mobile deposits TD have been putting my check for special verification that takes over 10 days. Last mobile deposit I did on Tuesday and was paid to TD Bank by the other bank on Wednesday as I verified it with that bank and TD Bank is still telling me that I have to wait another eight days for the check to clear. I’ve gone to two different branches as I was advised by the phone representatives to deal with this situation and I was rudely dealt with with no positive outcome. I hate this bank and can’t wait to close my accounts with them.

Rude staff - I have been lied to, mislead, and in general treated like dirt, so moving all accounts, both personal and both business accounts to BOM where I do get excellent service and polite staff, and my business is appreciated.

TD Bank is a terrible bank to do business with. I have had numerous headaches in dealing with them with very basic and remedial tasks. More recently they took over 60 days to complete a very basic loan. It was a clean loan and of the simplest kind. They could not interpret basic tax documents and they ran my credit several times because they could not complete the loan on time. Please save yourself the headache and do not use this bank. I will be taking my business elsewhere. Nightmare bank.

I received my closing documents and notice there was a $2,511 amount due to TD Bank although my balance was $0. On October 2nd, I received a letter from them stating the account was frozen however on October 12th a check was presented and cashed. The first time I called the CSR told me someone would call me within 5 business days. I thought this was odd as it was fraud. I called back and spoke with another CSR who said not only was the check cashed but someone had added their name and changed the address of my line of credit while my account was frozen and my credit line was brought down to $0.00 due to my pending closing. He told me the fraud department would need to review and would get back to me in 5 business days.

I have had a TD Bank Account for around 6 years, fairly happy with the account, nothing spectacular, but overall easy to use. I received a TD Visa Credit Card about 2 years ago, and I have been using the card without a problem, until I received a double charge for a bill, and the billing company accepted neither charge and payment had to be done again with a separate card. After speaking with TD Bank 3 times, I finally had the right fax number to send internationally to TD Bank. I sent the fax... Again...and again. Finally it was received.

I was a TD Bank customer since 2016, I have a Premier checking account with them. IN July 2018 they send me letter stating that they are going to close my checking account without any reason. Well I have deposited 5-6 payroll check into my checking account via cellphone app they have which might triggered their system etc, each check was 552.74. Check design was same as it was issued by a company accountant where I work. Payroll memo and check number was diff. There was no other activity in my account which I think will let them close my account. Ok well in August my account was closed. How I figured out that they close my account because of my multiple payroll checks deposit and also how it make TD bank worst in term of customer relationship etc. Let me tell you a very cool example.

I have never been soon annoyed with anything or anyone as I am with this stupid bank!!! I decided that I was going to cancel my account because of the ridiculous fees they charge every month for some reason or another. I had reoccurring transfers from my main account to my TD account, for some reason it wouldn't let me do it online so I had to call "customer service". I call and give all of my info, the rep says that the system was trying to verify my voice (apparently I gave authorization for voice recognition a while back... big mistake!!).

TD Bank not only has the worst customer service, but the employees don't even know what they are talking about. I had an issue with my account and I went to two different branch offices in one day and was told two completely different things. My confidence level and security level with this bank has completely diminished. I will be switching banks after I get my money back. Talking to customer service is no different than going into a branch. They are both clueless.

Customer support is a joke. I called on Saturday because I could not log into my online banking. They said they needed the password, I gave it to them, which was wrong and they said my account is now locked... I said, "Yes, that's why I'm calling!!!" Their answer is, "You must drive to a branch..." which is over an hour drive round trip... If I drive there, because again, I cannot get online it will be to close my accounts. Their phone support is a joke.

I had fraudulent charge on my account. Total 2050$. I filed dispute, after 10 days I got a letter from TD fraud prevention department states: "Unfortunately we cannot honor your dispute since business to business transaction." I did request more information about the transaction and they gave me merchant number to contact directly, finally its end up I filed police report and bring it into the branch and after 6 days they close my account. This bank is joke and not secure at all, oh one more thing once you call customer service they repeating legendary service we provide and in reality you have to be on hold at least 20 minutes. Avoid this bank.

Received a letter stating account is past due and with a charge of $76 ($38/month) for late fees. Payment is due on the 15th of the month, but I checked with my bank and also with their customer service that payment was received 11 Sep, and the latest one was received 7th Oct. I called and asked question, "Why we're being charged for late fees when you received the payments before the 15th of the month." Simple question, they cannot answer and keep getting transferred to another person. DUMB people working here, and all they want is charge late fees even though payment arrives before the DUE date.

Used ATM at TD Bank 600 West Main St. Freehold N.J. on 10/13/18. Did a withdrawal of $300.00 from the ATM. ATM only gives twenty dollar bills so I went to the teller and gave her 5 twenty dollar bills and asked her for one $100.00 dollar bill. She asked me if I had an account with TD Bank, I said, "Yes l do." She said, "I will need to see your debit card and drivers lic. I asked her, "Why? All I want is to change the money. The ATM only gives 20s." She said, "It is TD Bank policy to see ID when exchanging currency. We have to track any currency exchange from all accounts and why do want a $100.00 bill?" I could not believe it. I told her to give me the 20s back. I felt like some kind of criminal. What kind of B.S. policy is this? Why are they tracking our money? Tracking $100.00 really? What am I a drug dealer? A terrorist? That's it for TD Bank. I am pulling all my money out of this bank. Zero stars for TD Bank.

Dear bank, I was completely unaware of your issues with joining the tech. revolution. It has been explained to me that if I need to express myself to anyone above the pay grade of customer assistance I needed to write a letter explaining in great detail my situation, what my expectations in response from you would be, and apparently deliver it in person, due to higher pay scale employees inability to fully grasp how the U.S. postal system, or phones works. There was no other direction, other than "great detail" so I will to the best of my ability to provide all relevant information, to what I'm sure will lead you to a fair solution to my problem.

When you call into TD Bank's customer service line, they ask you several specific questions to verify your identity. I understand and appreciate their diligence in this, but there's something wrong in their verification. I literally answered all their questions, READ it off my online account, and they said I had to go into the store to verify my identity. All I wanted to do was set a travel notice on my card. There is something seriously wrong with how they verify identities. And since they give you no clue of what was incorrect, there's no way you can answer the questions correctly going forward, which means don't bother calling them EVER.

I applied for an SBA small line of Credit. To say these people are dishonest in their timeline offers would be the most benign. I was told I would have the loan approved and disbursed in 6 weeks or so. Months later I still didn’t have anything disbursed. They give you nothing in writing, just very misguiding information over the phone. By the time I got the money I was so behind my timeline I lost my office space and could not start up.

What a horrible bank. I opened a Premier Checking account specifically to travel and not have ATM withdrawal fees. After coming back from a 2 month trip I come to find out they didn't reimburse me for any of the ATM fees. Their reasoning was that it was because I did not have minimum $2500 on my account from day 1. The money transfer took 1 day to process so of course I didn't have 2500 on the first day. I specifically asked if that's gonna be a problem when opening account and was told it won't be. DO YOU THINK I JUST WALK AROUND WITH $2500 in cash ready to deposit? WTF? Also they places EVERY SINGLE ONE of my PAYCHECK deposits on a 6 business day hold. Which really is a 10 day hold including the weekends. Their reasoning was because of high deposit fraud for people of MY AGE! Can you believe that?!?! Is that even legal?! STAY AWAY.

TD Bank has the worst customer service and efficiency I have ever encountered. I tried to use Zelle to make a rent payment. My payment had a red flag put on it because my first time payment was large. Okay, fair - I call them, they say the payment will be cancelled and I can send it again after it’s cancelled. The next day, I go into my account to resend the payment and find that my entire account is on hold, in direct contradiction to what the customer service representative told me the previous day. I call again. I’m told that I need to go to a brick and mortar bank to verify my identity.

Let me begin, my configuration is a Samsung Note 8, running Android 8.0.0. When I use the TD Bank web app, I type my username/password and without hesitation I get the following message; “We apologize for the inconvenience. Thank for your patience. Please try again in a little while”. Well, I have been patiently waiting since September 19th, 2018, today is 10/4/2018 (I guess it's going to be an OK day, sorry for the pun, anyway). They have had me uninstall and reinstall the app 3 times. They have changed my username twice. I have changed my password at least 6 times. Nothing works.

Me and my mother we are from North Carolina. We opened up a credit card account with TD card services. I myself opened up a bank checking account as well. No trouble with the bank. I love the bank side... we were excited because we had had some hard times a month or so before this end. Was to do better and get back on our feet... the third or fourth day getting after getting the cards they shut off my grandmother's card because of a purchase at Walmart so we called and got that cleared up. The following day they cut off my card because of the ATM ordeal. I called. I got that cleared up... from then on for a month and two every 2 or 3 days they would put a hold on our cards and we would have to call with an explanation of why when and where.