TD Bank

Living between London and New York and having run my company with over 300 staff for 35 years, mainly in London, I decided to slow down and moved to NYC for longer periods. I was advised (sadly) to use "TD BANK... A modern bank with a modern approach I was told". I opened my accounts with TD Bank, and to NO fault of my own, my accounts were hacked and used in China. TD (allegedly) FROZE my accounts so that I could not withdraw a penny, they also seem to have "allegedly" told my credit card companies.

I have had my account with TD for over a year. Have never missed a payment and only have had one late payment (literally by one day). I purchased some new items with my TD card In April. In March I paid my normal bill plus a little over, not knowing what my new amount was. I got a late payment in the mail a few days ago saying my payment was missing $3 dollars and they were charging me a late fee of $38!!! I called the customer service and talked to two different supervisors (after being on hold over ten minutes each) who basically told me, that was too bad and nothing they/will can do about it! Very dissatisfied and will be returning the items back to the store to get it off this finance account.

There's so many issues I have with TD Bank, but Oh-my-God!!! I CANNOT TAKE entering the single-use code every single time I'm trying to check my account, this is ANNOYING and the dumbest idea they could have ever come up with. Why not one passcode for you to put in every single time, no one has time to wait on a text... and on top of that if you use someone else's phone you're out of luck. I was at Walmart trying to pay for service on my car when my phone died trying to check my account for my mom's phone. I couldn't even check it due to this dumb single-use code. Please deactivate this, it is annoying ** out of me. I can't wait to leave this Bank.

I brought 1750 Euros to TD Bank to wire transfer to Italy. The clerk, Howard **, told me he will get me the same rate to change to Euros for transfer. I then agreed because I don't need to pay extra CAD. When everything is almost done then he told me the rate has gone up so I have to pay extra which is $185.75. I then asked why he said he can give me the same rate and the answer is "I SAID I WILL TRY TO GIVE YOU THE SAME RATE". I think everyone knows buying and selling is never the same rate. I look like a fool. He should never say giving me the same rate which is impossible at the same day but it is possible for some other time. This is a lesson to other people and a good lesson for TD Bank clerks' training.

Terrible accessibility to customer service via phone. Painfully and unreasonably long hold times. Often 20-60 minutes plus. Don’t bother going to a branch because they have to call the same customer service number as you do. Going back to Citibank.

If you bank with TD bank, take your money and run, seriously!! Day 13 of my fraud case (only 6 for them since I had to wait two days to file my dispute and they only count business days). Someone got my debit card # (while it was still in my possession) and charged 10 transactions for $99 each and four more for various amount close to $90. The bank did not catch this or flag it as fraud, I did, the same day. I called immediate, and the charges were still pending, so I was hoping they would be able to stop them, but they said they couldn't. They said they would have to wait for them to go through, and then I could file a dispute.

I called their customer care for unblock my debit card payment to rebtel.com. I called them first time around 2 pm. After waiting 25 minutes even they said waiting time 20 minutes executive said she unblocked my card. Okay hang up then I tried again to pay rebtel.com around midnight 11.30 pm same day but same msg. Rebtel says my card declined by issuer so called again waited 30 minutes with phone. No one response then I hang up. Now who is responsible for this? Is this you call service!!!! I attached pic of my waiting time duration with them...

In December 2017 I lost my debit card and someone used it to go buy lots of stuffs and I called in and report my card stolen, and report the fraud so they got back to me saying that the transaction happened between valid and invalid transaction so for they can’t give me those credit. So I work hard and anybody can just take my card and used it and My bank can’t protect me. Nice.

I recently went into the TD Bank location at 300 Main St, Nashua, NH and applied for a personal loan in the amount of $10,000. I spoke with the branch manager, Jacob **, who submitted the application to his underwriter. I also showed Jacob my credit scores, which were obtained from the three major agencies; Trans Union, Equifax and Experian. My credit scores from the three were 655,670, and 654.

I am a church treasurer. My name was added to the TD Bank and credit card account. I was suppose to get a credit card with my name on it so I could have online access. It should have arrived in 5-7 business days, but did not. I got a phone number at the branch for credit card services and it was not the right number. I waited on the phone several times because they did not have record that I could speak to them about the account.

I have been with TD Bank for 14 years. I've had small business loans and checking accounts, personal mortgage and home equity and checking accounts. I'm closing them all. My problems started this year when they simply ended automated transfers on a small business loan and home equity loan. The small business transfer came up with an error so I noticed it but it was near impossible to even make a payment because their phone support is so bad. When I finally did get through to them they told me I had to go in person to the branch to make a payment. Even in the branch it took an hour to make a payment. The home equity loan, a transfer that has been running for at least 5 years simply disappeared. I can see all the past payments but there were no future payment scheduled. This transfer was NOT set up with a limited number of payment.

As I write this, I've been on hold for 40 min. and counting -- and to rub salt in the wounds, a 10-second long music loop plays over and over and OVER again... no way to turn it off and have to keep listening because there's no clue how long it will be before someone answers. This is like some form of torture. Even bad music would be better than this headache-inducing loop.

In the early 2017 I deposited a check in to my checking account in TD Canada. The check was for $3000 and going through my papers just recently I realized there was only $2000 was deposited to my account, I went to the bank and asked them about it and I was told there would be an inquiry about it. Today somebody called me from the bank and told me the matter is closed and they can't do anything about it and it is my fault that I didn't let them know sooner, so for all I know I gave them a check for 3k and they put only 2k in my account, they made a mistake and I have to pay for it, I work very hard for my money, is there anything I can do, please help.

TD Bank charged $1368 in fees after promising twice to stop. TD Bank refused to refund $1368 in maintenance fees they charged improperly for one of four checking accounts I have with them. In 2013 when I first noticed the improper charges, I contacted TD Bank twice and each time they refunded the fees and promised to stop charging those fees. But despite their two promises TD Bank continued to charge the fees.

Could be the worst bank I ever did business with. Their online business checking account is horrible, I tried ACH money to another bank, I get a pop up that says I have to go into the bank in person. When I get there the banker did not know how to set up my ACH. How about that. If he didn't know who should I go to? Not sure than to wait on hold for a minimum of 30 minutes to get someone to help you. The worst bank I ever seen.

Been on hold for over 30 mins no matter when I call morning, noon or night. Today I was on hold for the 3rd time after 1st time being on hold for 35 mins, the second time 45 mins. Third time 1 hour and 18 mins before a rep said I have to be transferred to another dept. A department for purchase disputes which is not an option in automated system. I asked if I would be on hold more, she said no. Transferred me and I was on hold for another 40 mins. That's 2 damn hours and NO help. No one to file a dispute about a charge I didn't make or authorize. How is that a credit card company protecting my security???

I have spent close to two hours being moved from one person to another for a very, very simple request - i.e., "I need to talk to your fraud department." - I have gone through two separate calls where their systems disconnected me. The second call resulted in my being transferred to 5 different people with waiting times from 9 minutes to the longest of 32 minutes (on hold five times) to finally get cut off with no one calling me back. You would be nuts to do business with this bank as any problem you might have will never be resolved - you will never be able to contact the person you need to speak with nor be directed correctly by anyone. All of this is for me to simply have them cancel a fraudulent card I saw on my credit report. If they had a scale with negative stars, I would rate it negative infinity.

I have follow instructions for the new security online, including the new cell phone app. At the beginning didn't work, a few a week after start working for a few days, now It doesn't work anymore again. I call for help and they asked for the account number (I'm paperless so I don't know my account number), they asked for my SSN and that I know, they asked me what was the amount in my latest $ transfer (I don't remember. I always transfer like 135.23), I didn't have my cell with me so they can't send me a text message (the cell app does not work properly). All this is real and it can happen to anybody specially me that I travel international all the time. They will not call my home, they will don't send me an email, they don't ask me security questions. Was wrong with TD Bank? At this point I don't. Tomorrow Sunday I'll close my account, hope people do that and move to a real "convenient bank", "I'm definitely NOT in good hands".

I'm not sure what legendary service TD Bank is always talking about but my experience with them has always been bad. The wait time to speak to someone on the phone is 45 minutes. It is absolutely ridiculous! Most times when I go into the branch they are very rude. Can't even get anyone on the phone for customer service. If I could give them a zero rating, I would.

I opened a account about a month ago, I was told that TD had good customer service and convenient hours. Yeah they might have free account if you have $100 and good hours but that's it. My closest branch (Clarendon, Arlington, VA) have their ATM broken for entire month. I went there last night to deposit money. Now it only takes checks so it is still broken. They also love to hold your money. Since I am a new customer they are holding on to my checks for 7 business days plus the weekend, that over 10 days for you to use your own money. RIDICULOUS.

I set up recurring full balance auto payment with TD Bank and it continues to charge late and interest fees. I can clearly see that Recurring Payments set when I check my account online but representative said that he cannot see it. And two weeks before that, I spoke with another representative and he confirmed that he can see my auto payments. After I was transferred to customer service my wait time exceeded 30 minutes. Do you want this kind of service? I do not and will close my credit card as soon as my statement will show 0 balance.

I recently opened an account with TD Bank. Mainly to receive my payroll check. The bank said it has legendary service. What a joke, their computers are always down. Then try to get you to bank online. Then you wait on hold for 40 minutes to talk to someone. Why would anybody want to put their money in this bank? It's the wooorrrrsssttt.

I do not understand how TD Bank can continue to get away with robbing customers myself included. I deposited sixty bucks this past Sunday. All pending items got paid. Then today on the 20th of March I received a refund to which my account stated I now had $74 and change. I go buy a couple of coffees at Dunkin Donuts and then off to shopping. Within that hour the pending items were now repending my cash deposit. Date was changed but I have the deposit slip. No one will call me back because each time this is done I dispute my case and they end up paying me back and apologies!

Had credit card account opened 3 years ago, was paying my credit card payment on time, never defaulted on their credit card payment nor any other credit card account that I have with 711 credit rating. I missed 1 payment by accident, after 3 days of the due date I discovered my mistake and I sent two payments, never contact me about when I missed the date, they simply reduced my credit limit to what I owed them on the card which lowered my credit ratings significantly. If you need a credit card this bank is the wrong place.

I have been trying for over a month to update information in my online account with no results. I am trying to change the nickname in an account and it does not accept the change. I have another account that a change was made and it accepted the change. Numerous calls to customer support with wait times over an hour got me no results. I keep being told a request to tech support will be made and I will be notified by email of the resolution. All I get is an email stating "your change of address has been completed" and to give it one monthly statement to take effect. What the hell is that???

On February 28, 2018 @ 20:48, I made an ATM cash deposit into my TD Bank Checkings account in the amount of $635.00. At the end of my transaction a receipt was issued and it read "available" balance $635.00. (Please note the bank verifies each dollar deposited in the ATM and records it on my receipt) Immediately I log into my bank mobile app to see the funds "available." From the same TD bank mobile app I transfer $200 of the $635.00 to my TD Credit Card to make a payment. At the end of that transaction, a confirmation number is given along with my new balance in my checking account, $435.00.

I am a new online banking customer of TDBank, mortgage holder and a HELOC account. The wait times associated with TD moving to a new technology platform are unacceptable. What's more, the company short on staff who -- once you get connected to one -- know how to handle your problem without transferring you to another agent. Yesterday the wait time was 1 hour and 2 minutes before speaking with a person. This morning I went online to update personal information and was told that it would take 48 hours for the changes to take effect.

I have had a cross border account for 5 months. In that 5 months I’ve had to contact customer service 12 times with the last 5 times being in the last month. The new banking system will not let me log into my online account. Each time I have been put on hold for over 1 1/2 hours only to be told that customer service cannot help me and have been transferred to tech support which has me on hold for another 1 1/2 hours. Last week between being on hold and talking to the customer service and tech support people it was over 4 hours only to be told they cannot help me but they will report the problem. When I asked if they could inform me when the problem was fixed they said they don’t do that. Apparently I need to keep calling in until it is fixed.

After spending nearly two hours of my precious time on the phone speaking to many customer service representatives and also supervisors I am left feeling defeated and disrespected as a small business owner. They refuse to give assistance for any issues over the phone because I answered my questions wrong?! I did NOT answer them wrong! I created the business, and the bank account and I know everything about it! I am beyond irritated with TD’s customer service. I really have no other option but to go to a local branch and make an appointment to speak to the person who set up the account with me in order to turn my online banking back on. This means that I would have to take time from my work day to go there and address this issue. An issue which they created.

They called it a security check. What happened is they locked me out of my online acct. I was to submit a code sent to my phone. I couldn't get it to work. Locked me out. I called phone number. On hold for 25 to 30 min. I called another phone #. Another 25 to 30 min. still no answer. Went to bank, they told me I'd have to wait 20-30 min. I left, came back later when I had time. Waited again. Had to give her personal information, she would call me when she corrected it. She called and said I was all set. When I use it now, I have to use the security check (code) every time. Their Ameritrade 1099 is always 3 weeks late, I don't know how they get an extension after the Jan. 31 due date for their 1099 form.