TD Bank

I DO NOT RECOMMEND THIS CARD. First of all, it is TD Bank not Ally (itself) which manages this credit card - so you don't get the benefit of the consistently good/just service of Ally. TD seems to have a history of not fulfilling the "welcome bonus" of $100.00 and of course, they didn't honor it for me after I spent $1800 (advertisement is >$500) on the card within 3 months of receiving it. Furthermore, you cannot redeem cash rewards or even statement credit until you reach $25 in your rewards balance. Moreover, you're only going to generate 1-2% cash rewards on each purchase. I canceled my account after over $1900 in expenditures, and did not receive a dime in rewards. It's not worth it. Trust me. Get a Discover It or Chase Freedom - or ANYTHING ELSE. Terrible, terrible experiences with this card.

I emailed customer service a very simple question about my online bank statements and they responded with a copy and paste answer that wasn't related to my question. I responded trying to clarify, but received another copy and paste email that was also not related to my question. So I tried clarifying again using multiple screenshots and I DID NOT RECEIVE ANY RESPONSE. I then contacted the person's manager and DID NOT GET A RESPONSE FROM THE CUSTOMER SERVICE MANAGER. I continued to forward my question for weeks to no avail. I will be closing my account because TD clearly doesn't care about me.

I have had a bank account with TD Bank for years and it has always been subpar. But the final straw was when I went to a TD ATM to withdraw $500 and the ATM never gave me the money. After calling the bank they put a claim in to review the transaction. The employee I spoke to said it would help to call the branch to see if they found any issues with the ATM when they came in.

My card info was stolen. Someone bought plane tix with the info. Call canceled the card. Asked for my money to be returned. I was informed that I had to wait till it posted to the account and then I could file a dispute. Then I would have to wait 5-12 business days to see my money. So. guilty till proven innocent. Closed all account with that bank.

Deposited the check in the amount of $700. However, the ATM read it as $200, despite a clear designation of the amount both in digits, and in very distinct letters. I came to the bank two days later, hoping to have the issue resolve ASAP. Had to spend half an hour there the first time, filling out the request. A few days later, came back again, because the issue had not been resolved, and I was told to wait... 10 business days! In other words, 2 weeks! So the bank makes an error, the error is very obvious, as they can see the image of the check, but yet they refuse to release MY money to me! That's in addition to the fact, that this is NOT the first occurrence of that nature, there have been other instances similar to these, and there had already been a request made to report the faulty ATM. NOBODY cares.

I am extremely unhappy with TD Mortgage. My biggest complaint is that the online app makes no allowance to pay additional principal. If you add additional principal it will sit in the account un-applied for as long as 2-3 weeks. I have made calls, sent messages, talked to my branch manager to no avail. Furthermore I have been told 3 different ways to pay additional principal by using bill pay, all get the same result. It’s as if the bank set out to make paying principal down as difficult and inconvenient as possible to garner more loan interest. What they are doing is criminal. I am considering filing a class action lawsuit.

As I signed into my account as I did many many times before, they wanted to change my account to add my phone number for "security" reasons. Due to the recent disasters with Facebook, I decided to read the opt-out paragraphs. When reading the opt-out paragraphs I found out that they were using a different corporation, and it said "Fiserv and its affiliates may receive names, domains, addresses, password, telephone and device numbers the content of messages and data files and other data files and information provided by you and other sources in connection with the out-of-band authentication service".

So I guess TD Bank changed its BusinessDirect login and merged it with retail bank username accounts? I don't know but out of nowhere the website completely changed and does not have BusinessDirect links to login to my client accounts for statements. Now I'm locked out of the service for no reason at all. They had to "change my User ID" but didn't tell me what they changed it to. I have several clients that I do business with and am granted read only access to bank accounts. Now I've got to bother all of these clients to use their administrative access to correct TD Banks error in judgment. TD Bank is by far the worst bank to use for small businesses. Just absolute garbage.

TD Bank Stole My Money. Do not use TD if you value security. Someone used my card's info to spend $391. TD confirmed that no security info was used during the transaction (chip, zip code, cvv), but TD determined the charge was legitimate. I will not be getting my money without pursuit of legal options. I have been a cardholder at TD Bank for 10 years, I have never had an issue with fraud. Their commitment to security and customer loyalty is disappointing. Do not use TD Bank.

TD bank online service is the worst, unprofessional and rude. I have been banking with this bank over 10+ and the experience I got today from the online service I hope no one ever has to go through that. I tried to use my debit card to make a large purchased today and it was declined cause I went over my $2000.00 a day limit. I called customer service, the first person picked up hang up the phone on me so I called back. The second person picked up, said I wasn’t answering the right questions so I asked to speak to a supervisor, when he came on the phone he was no better. I felt I was getting nowhere with them so I jumped in my car while he was on the phone and drove to a TD branch so one of the tellers can look at my ID and explain to the customer service online supervisor that all the information I was giving is true. Well you would think that would work it didn’t! He still told me unfortunately the answers I provided was wrong and it wasn’t me??‍♀️

Went through drive-thru and dealt with a horrible teller. Her demeanor was pathetically a slacker. Called customer service to inform them of the situation and was told by Victoria that it was the microphone rather than the service. Victoria was speaking for the teller when she wasn’t present when the situation occur. Victoria must have ESP/PMS syndrome.

Today, my husband and I received letters about closing all our accounts in TD Bank, after 5 years being their clients, paying all the loans from these accounts, paying all communications and all expenses! Having there personal, general and business accounts! Naturally without explanation of the reason! How such a thing can happen to good citizens, for me it is not just inconvenience, but I consider it a violation of all human and civil rights! For 5 years they used my money, and now I have to transfer all accounts in two weeks and spend my time and nerves on it!

I open TD Bank checking account and I get the runaround and been told to go TD Bank branch which is one hour away from me and the rep told me that they couldn't verify me over the phone and I told them that and they don't understand. I called TD Bank rep and they told me that my account was fine - that I didn't need to do anything with the account. I called yesterday and I get told that my account was restricted and I cant gain access to my account. I was trying to get into my TD Bank account to pay a fee they asked me to pay and when I try to login it said "your account is restriction" for no reason. I feel like TD Bank is trying to scam people into banking with them. They up and decided to close your account without telling you.

Awful customer service. Very rude. My elderly mother made a simple math mistake (she’s in her 80s) and this bank charged her overdraft fees of over $700. Example: electric bill had 2 overdraft fees in one day. Did not have a chance to put more money in account. Didn’t know banks could do this! We had a very bad experience. No longer have account at this bank & never will!

This bank is the worst ever! My accounts were frozen and I was not even notified. How embarrassing when attempting to purchase items at a large food chain with dozens of people in line behind me. After inquiring why my bank card was not working, I was informed that TD Bank's fraud department would notify me. They never did. Two months later I was told that I made an illegal transaction?! Apparently, I was not allowed to have my daughter's tax refund deposited into my account. Interesting, since there was not an issue with that for the last two years!

I travel a lot and once in a while I miss a monthly payment or am late in payment. No problem - they charge a $35 late fee (make millions off this every month but ok fair enough). I typically make a $175 payment toward a balance of $3000. This month I received my statement showing I had a back payment of $72.00 due in March (Yes $72.00). Ok no problem with that. I also received a letter around the same time of past due payment. Ok got the point.

mbna.ca now requires a login phone verification, it sends a security code via SMS to mobile device (text) or voice message to landline. This procedure does not allow and block access to an online account for customers who travel and have NO telephone number or have NO access to the phone at the moment to verify their login. And mbna.ca does not offer any solution to resolve the problem it intentionally created for such customers! They offer you to call 1-613-907-3505 (when you have no access to the phone!).

I've had an account with TD Business for 2 years now and it's been the worst 2 years ever. DO NOT BANK WITH TD BANK! If you have money in your account and want to get it out (let's say you are on the West Coast and need to send a wire) IT IS IMPOSSIBLE. You need to locally step into a branch. I had to fly into New York so that I can ACTIVATE my account to send a wire transfer. I activated it and did not send a wire within 30 days. My account got SUSPENDED again! So now when I need to send a wire very urgently (it's been approx 35 days since I stepped into a local branch). I CANNOT even though I have already authorized TD business direct and allowed wires. IT'S MY MONEY, and TD BANK will NOT allow you to send it ANYWHERE!

DO NOT get or use the TD Bank credit card. You cannot dispute transactions online. You have to call them in order to dispute a transaction and it is a complete hassle. Also, I cancelled my card in Sept and a company was allowed to force through a charge in January, even though my card was cancelled. I disputed the charge and they outright REFUSED to take it off my account. There are so many better cards out there that offer more and are "with the times" - they are so old and archaic with the way they operate and their customer service stinks.

I was banking with TD Bank for 5 years. I thought they were wonderful. But something started to change at the bank after 5 years and I'm not really sure where it led to, except for very unhappy consumers. If TD Bank is not making money off of you they don't want you there. That means if you are accurate and make few mistakes they will find some other way to make money from you. They have become vultures in a sense. They sell out to anyone that you may have a discrepancy with on overdue debt.

If I could give this bank -5 star I would. I never leave reviews, but the fact that my husband I are experiencing what we are due to the negligence and inexperience of a bank employee I almost feel obligated to share so no one else loses almost $1000 to bank fees!!! It started with my husband joining my account. It took 3 weeks to get issued a debit card when it should only take 5 days or so. At least that's what we were told. After that inconvenience cleared up my husband went into the branch to close his account and finally pick up his debit card. He sat with Solange Queliz who told him numerous incorrect things. I know this because I fact checked her with another branch.

I took a credit line with TD bank for furniture I bought at Raymour and Flanigan and had 6 month deferred interest. When the 6 mos was due I had $1800 left to pay off. They charged me $600 interest from the amount I took not the amount owed which is robbery. I was not advised this and any standard rate is supposed to be interest from what is the balance. Customer service would not help, was rude, left me on hold so long so you will hang up when I asked to speak to a supervisor over 30 min. Supervisor would not assist or help.

In order to keep daily balance of my account up to agreement, I rushed to put cash. Still accumulated maintenance fee. Called to customer service. First representative was rude and firm, asked to speak to supervisor. Marcus, the supervisor had no better manners. He was ready to say me "bye" as to customer with my direct deposits and daily use of the TD debit cards. So be it... Bye, TD Bank with your rude customer service representatives. Hello, Chase!

I used to like banking with TD, I was with them for 12 years. But 2 days ago I received a letter from them saying that they were closing my accounts in 3 weeks unless I do it before then, there was a number to call if I had any questions and they would respond to me within 24 hours. Since they gave no explanation why they were closing my accounts I called the number. I got a call from TD the next day and I was informed that TD no longer wanted to do business with me. When I asked why he said that he didn't have that information. When I asked if someone who did have that information could call me back he said no and hung up on me. I don't understand why they won't tell me why they are closing my accounts and I don't think I've ever been so disrespected in my life. Because of the way they are treating me I can't recommend anyone bank with them. 0 stars.

My company opened an account at TD in Toronto in 2011. We no longer do business nor travel to Canada. We had a couple of thousands CAD remaining in the account which is now less than 500 CAD due to 39 CAD per month of fees. We tried to stop the bleeding but basically we would need to travel to Canada and go physically to a branch. We cannot wire using internet or phone. If we close the account they will mail a cheque to the address on file. We moved and in order to change the address we would need to go to a branch.

This bank has been the absolute worst bank I have ever dealt with in my life. When I first opened my account, the bank was still Commerce. After the acquisition is when things started to change. Due to misinformation, I was charged several hundred dollars in Overdraft fees. Their representatives are incompetent and give you the wrong information so that they can steal money from working class people. I have never had these issues with any other bank. I have officially closed my account and will not ever bank with them. I will also warn family and friends. It seems like several people have had the same issues. The way this bank operates should be ILLEGAL.

TD BANK decided to CLOSE my business account after being with them for 12 years! With NO explanation, NO warning, NOTHING! It was to close Jan. 25, 2019. I called the # provided, but of course NO ONE would tell me why they were closing it, and everyone I spoke to was indifferent. Like a robot. Today is Jan. 22, 2019. And, guess what? They ALREADY CLOSED IT! I do NOT have access to my account. And worse, do NOT have access to my business funds THAT I NEED TO KEEP MY BUSINESS RUNNING! Are you serious? Called customer service who was of NO help. They told me I had to go into a branch. AMERICA'S most convenient bank? I DON'T THINK SO! I believe this is bordering being an ILLEGAL closing of my account! CRIMINALS!

I got Financing for my Samsung Phone. Samsung was going to give me a $300 credit to send in my old phone. One day I was looking at my account and saw that it was charged an additional $300. It was because they never got the old phone back. That is because they never sent me the call tags to return the phone. They stated they sent me 2 emails with a call tag to send the old phone back. I never received them. Samsung even stated they could see that I have opened all my emails from them except those 2. I NEVER got them. So after several months of fighting with Samsung the manager there his exact words were, "Sue us!". Really??? This is from an employee at Samsung who even agreed with my issue?

I have banked with TD Bank for a couple of years now, I called the number on the back of the card, to check the balance, and to my surprise I had an overdraft fee of $20. It gets better. After several hours went by I called the number on the back of the card again, only to find out now it’s $120 overdraft fee. I’m furious now, so I called to speak to a representative, which whom I spoke to a young lady in New Jersey. She assured me there were no illegal activity going on with my account, so I asked why wasn’t I notified about this overdraft via email or text message. She then stated, "Oh we can go over your transactions with you," I then stated I will be closing my accounts here. If you’re thinking about doing business with this bank, think again, very shady people!! Lesson Learned!! Never Again!!

Whatever you do, do not, UNDER ANY CIRCUMSTANCES create an account with TD Bank. This company will screw you out of your money and will even basic transactions a hassle. Everyone at customer support is either borderline **, or speaks at a frequency of -2. I have been so frustrated with the lack of professionality with the company. Literally any bank is better than TD Bank, unless you like having your money taken from you.