TD Bank Reviews

I was defrauded of $11,616 in six unauthorized eBay charges shipped to my address under a stranger's name — "Chad Smith." I did the impossible: identified the compromised eBay account, closed 23 years of account history, gave the physical MacBook to Pennsylvania State Police as evidence, filed with the FTC, submitted Ring footage of the porch-pirate pickup crew, and now have a Trooper offering to call TD directly to verify the fraud.

If you want to get robbed and taken advantage of, this is the bank for you. My card expired in September 2025. They continued to charge me, then I closed it several months later so they stop charging me, and they continue putting charges on an EXPIRED AND CLOSED CREDIT CARD!!! Then laughed at me when I was upset about it and told me I had no choice but to pay it. And continue to charge me any chance they get. One more bill and they're getting sued for emotional distress and financial abuse.

Rating: NEGATIVE INFINITY. I would rather set my money on fire and use the ashes as confetti than trust a single cent to this bank. TD Bank is not a bank you can trust -- it is a convicted felon in a cheap green suit, a data-leaking parasite, and a bureaucratic torture chamber disguised as a financial institution. Let me eviscerate your two offenses with the factual venom they deserve.

TD Bank: When Customer Service Becomes an Email Inbox. TD Bank also seems to rely heavily on email when it comes to resolving urgent mortgage issues. It took more than a week to reach the department responsible for closing and mortgage lien releases on an existing loan. The issue stemmed from an error created 10 years ago that placed a lien from another mortgage onto a property we were selling. This created unnecessary delays, stress, and uncertainty during a time-sensitive real estate transaction. The only way the issue was ultimately resolved was through email. When we asked how our attorney could contact the department to obtain the mortgage release, the response was simply, “Reply to this email.” There was no direct phone number, no opportunity to speak with someone handling the matter, and no sense of urgency.

One of the worst in terms of competence and customer service. If you're thinking about using this bank, look elsewhere. It is not worth your time in the cost of convenience or frustration. If you're with this bank, find a new one. They have been in considerable trouble with the government lately and recently paid billions in fines. Customer service reps are frequently incompetent and cannot assist you. They will only refer you to your physical bank location. They have also been hacked repeatedly and the hackers may actually be within their networks, manipulating them from within. They replace your hacked debit card only to be hacked again soon afterwards. Save yourself months of frustration and find a better bank.

I just opened a TD account online about 10 days ago and they still haven't sent me the debit card and I went to go do a mobile deposit on Friday June 19th and it said that it will be available June 23rd and now it states that it's on hold for 6 days. Fraud is a piece of ** and they have no reason to hold my check hostage and I'm taking legal action and getting my money because it is a payroll check and they give me no explanation on why and I will be taking legal action against the ** fraud department.

This is the worst bank you can possibly deal with. The level of customer service experience these employees have is none. They are not helpful, they charge fees in your account regardless of paying on time. I believe they pick up checks at a Mail Drop and purposely state your payment is late when you have proof it was received in a timely manner. Someone should really investigate this company as they could care less about the consumer.

Absolutely appalling lack of security, compliance, and customer service from the TD Bank branch on Limestone Rd in Wilmington, DE. In December 2025, a business check I wrote for $2,072.31 was deposited at this TD Bank branch. The check was clearly made out to a specific business name. TD Bank accepted the check and deposited it into a completely fictitious account under a completely different name. They failed the most basic security check: making sure the name on the check matches the name on the account. When the fraud was discovered days later, I contacted TD immediately. They told me to have my bank submit a claim. My bank did. TD rejected it. I called again, and TD told me to have my bank resubmit it. My bank has now resubmitted the fraud claim FOUR TIMES, and TD Bank continues to reject it and pass the buck, essentially protecting a fraudulent account holder over a legitimate fraud victim.

I opened an account with TD Bank on May 5, 2026. I still have yet to receive a debit card as of May 22nd. Digital card kept getting declined, had to call and have them send me a code to get it to work. They withdrew $225 dollars from my checking from an apparent "negative balance" I had from 10 years ago, allegedly. Takes 180 days to get your sign up bonus. STAY AWAY FROM THIS BANK. Literally every other bank is a better option.

I deposited a loan payment in the overnight box. I noticed my check was not cashed after a week. I called. They said they left me a voicemail - I'm sure they did. I am overwhelmed with Spam. Their policy changed. They cannot accept personal payments in the overnight box. It is only for business transactions. I was told I have to come into the bank (or mail it) with ID pick up my check HAND IT BACK TO THEM for processing. Ridiculous. Maybe there has been a rush of people fraudulently paying other people's loans that it is a problem. Almost laughable but understand why they are shutting branches.

We've held an account since the bank's opening on Sample Road & Federal Highway in Lighthouse Point, Fl. Their service has been OK but the last 2 weeks were an abortion. The poor guy who was working the drive-up window & and the front counter was unsupported by anyone else in the bank. He was running back & forth to service customers. So the issue isn't an employee effort issue, it's a management staffing issue. Today after waiting 20 minutes in the drive up window I went inside to see what the hell was going on. One Manager, the attractive ** woman was with a customer; the other manager was on the phone supposedly speaking with a teller at the counter.. Why she didn't get off her ass & speak with the teller directly who knows.

Good Day to you all. I was the FIVE PENN PLAZA, NEW YORK, NY, Manhattan branch. Regarding my debit card issue. The staff, Evertt and Kevin, were very super helpful and doing their job as their own. Being honest with you all that I do believe in God so much that I can sense, intuitive by seeing how people act by God grace. My point is, Miss Everett and Mr. Kevin. Thank you so much for your kindness and helping customers. We all need people in every societies. TD, you are having great experiences employees that you are being greatly. But somehow everybody works are totally different. In Jefferson High, and Roosevelt Ave has real nasty two employees. Real bad. I am not sorry for revealing the truth. Just let you all know. Two male employees bank teller. I don't want to say their names. Lightweight. Prescription glasses. Thank you.

TD BANK SUCKS!!!! Never use them. You can barely access your money and you'll waste your time on the phone for hours for them to tell you that you need to go into a location. I hate TD with my whole heart. SMD.

I had a very bad experience with TD Bank. I called multiple times and had to wait more than 30 minutes each time, but no one ever picked up. I also ordered a new card because I lost mine. I was told it would arrive in one week or less, but it actually took 15 days, which is very disappointing. Overall, the service is extremely poor and unreliable. I would not recommend this bank.

I was drugged and robbed in Bogota Colombia. My phone and wallet were stolen. I had Chase debit card and credit card and 1 TD Bank debit card, with Chase bank the problem was solved but unfortunately TD bank said I authorize it showing me no respect. I had a police report. The girl who robbed me her name is written on the police report. She used remotely to send money to herself. TD bank doesn't do any effort to check the transaction's timing and names. I feel I should not have put my money with TD bank..

I would like to thank Ms. ** for helping me yesterday about my disputes, she was very nice and listened to me patiently, helping me out. I hope she will be in a higher position, because people who are good listener is good for the company.

Good afternoon. I walking to TD Bank to withdraw money from my account, and the teller was so confused with my visit. I tell her withdraw and she keeping tell me deposit and ask me a question, also she was welcome other Customer walking in and with me she never say nothing. Very rude of her about what I willing to do. When I get my withdrawal money the security he push me to count the money away from the teller. Also the security not let focus counting my money, that happen in td bank 1701 South Semoran Blvd. Orlando FL.

Where to start. I unwittingly opened a credit card account with this worthless institution. Paid off my balances and THEY CHARGED ME A $1 just to keep the account “active”. Upon wanting some answers, I chose the chat with us option. They said due to high volume, they couldn’t chat, for 4 days straight! Fine. Called them - long hold. Finally rep comes on named “Christy” SO RUDE AND SHORT with her answer. Like she was doing ME a favor by answering simple questions and wanted to get off the phone asap. AVOID AVOID AVOID! Customer service is terrible, the extra fees unnecessary. Stick to Capital One.

My TD Bank credit card was hacked. Someone fraudulently charged hotel rooms in Doha, Qatar to my card. TD Bank didn't catch the fraudulent charges. I did and reported the theft immediately. TD Bank investigated the charges and found that Im responsible. Even though I've never been out of the United States, I don't have a passport, and I was using my credit card in the US the same day that TD Bank says I was in Qatar. I've had my TD Bank account for almost 30 years and this is how I'm treated. What a joke. TD Bank is terrible.

TD Bank has hands‑down delivered the most chaotic, misleading, and flat‑out incompetent customer service experience I’ve ever had with any financial institution. I called about a simple $14 fees and somehow ended up getting three different answers from three different reps, none of which matched or made any sense. Rep #1 told me the fee was non‑negotiable because the account requirements changed, and now I would need to keep $250 daily to avoid fees. Rep #2 told me something completely different that opening a savings account and linking it would magically fix the problem. Rep #3 told me neither of those were true nor that because I receive two direct deposits over $5,000 biweekly, I should never have been charged fees to begin with.

TD Bank is the worst experience I ever had. First time open up an account with them. My former employer did not send my direct deposit for 15 days.. Due to my employer made a mistake my employer fix my paper checks. Yesterday I check my TD account to let them know I will be getting my direct deposit on Thursday night. I try to log on the app which I had problems.

Do not use TD Bank if you're looking for a bank you can trust. It's taken over 3 weeks to get a new debit card and after the customer service rep suggested they could possibly expedite me a new one, the supervisor basically said "Nope, not our problem." On top of that, there's a service charge, but for what... they don't even provide good service. Super slow responses to chat times and just overall, a huge pain!!

They say they notarize for customers. This is not true. I married an immigrant whose marriage green card is expiring in May. When he arrived in the US, he too opened a TD Bank account. I have been with them for at least 10 years. We now have to submit form I-751 with evidence that we are married. One item required is two letters confirming the validity of the marriage. I have a couple friends who were kind enough to write these letters. I just needed their signature notarized.

Awful loan process for HELOC loans, don’t use. They are sleazy and try to get you into a higher rate loan. Don’t use, they don’t wanna be in the loan business.

I went to Haddonfield NJ branch, the people are the worst, so I went to Oaklyn NJ branch I sat with Laura, the manager and she was wonderful, she straightened out the mess that haddonfield branch made I would NEVER go back to Haddonfield branch. People if you go to Oaklyn branch you will see the BIG difference, Laura will get your problems straightened out that haddonfield branch made!

I am a customer for at least 5 years. Their security is a joke. Somebody used my debit card to make a purchase at Publix for $250. I start a claim, and after 2 - 3 days, they denied it. I am sure they did not investigate anything. It is a shame that they prefer the thieves over their customers. I will close my account as soon as possible. This will not happen again.

I submitted a balance transfer a couple weeks ago, and have had to make my first monthly payment on it before the transfer is even complete. After I was approved for the balance transfer, they said it'll take 10-14 business days for it to process AFTER activating the card. I activated it on 12/19/25, and it's now 1/17/26 (more business days than they said it'd take). That's crazy, but ok, whatever. Then I got my first bill that my payment was due, and it still has yet to be completed! Despite not being complete, my balance still shows that it is! So I've prepaid for a service that isn't even completed AFTER the time frame they quoted.

Do not go near this bank. I was scammed and fraud on my bank account. They kept my disability cheque to cover cost. Unbelievable. Can't even pay rent. Now all they could say is, "It's not our problem." I got scammed.

Beyond horrible honestly.. I have been a TD client for 16 years and has just gotten worse and worse. Don’t bother calling the help line for anything, they won’t help AT ALL and if anything with be rude and condescending towards you for even asking for help/resolution. It’s sickening how they treat people honestly.

This bank recently closed a multiple person joint account of a friend's, her sister and I and we believe other customers accounts were closed also. There was no reason given so we were left to wonder if they were following HSBC'S path of kicking lower monetary clients to the curb to pursue wealthier clientele. I don't bank with them aside from that account but was thinking of it for the future as I had once seen them touted as one of the friendliest and best banks for seniors. We had somewhat recently set up the account to assist my friend for personal reasons. They also let my friend's sister keep her savings account with them, but if I were her I would move on from them asap. Thinking of a credit union now for the future as most if not all of these banks always reveal their ugly underbelly.

Criminal enterprise, they will find a way to get you out of the 0% financing, send you 0 $ payment slip, and report MISSED payment. I will never again for as long as I'm alive deal w/ this bank/credit/loan company. Criminals!

This Bank in my opinion is a predatory lender. If you have a home or a business do not do business with this bank. This bank charges excessive fees. This bank departments do not communicate with each other. This Bank will increase your stress level to an unknown level when it comes to your personal property. I beg of you, my fellow Americans if you want to keep your property do not do business with this bank. The representatives unfortunately, are not well trained when you call and speak to a representative. You will be given one guy to follow and when you speak to another representative on another phone call, you will be given another set of instructions that go contradictory to what you heard from the other representative.

Time Wasters/Incompetent Reps/Inferior Service/send you all around till you get to the wrong incompetent rep, and guess what, you get to do it all over again, and waste more time! In the end you have not gotten the answers/service you need, and the only thing you gained was aggravation/frustration!!! SHAME -YOU NEVER GET BACK THE TIME YOU LOST! I FULLY BLAME TD BANK- JOKE!

I deposited a check written out to Cash Friday November 07th/2025 at 11:00 a.m.- the check was from family whom I have a financial history with at TD- Started calling customer service through the TD app & was told over & over again the check was in a review process. Went to Wells Fargo with my Uncle last Wednesday November 12th/2025 to find out if TD in fact contacted Wells Fargo to verify & we were told they did & funds should be released. It is now Monday November 16th/2025. Called the branch in Greenwich NJ & was told once again the Branch Manager would rectify this & get the funds cleared & 3:50 p.m. still on hold!!!!

TD Bank is the worst. We originally started our accounts at Commerce Bank over 25 years ago, and customer service declined after they were gobbled up by TD Bank. Recently, TD Bank gave us 3 weeks' notice that they were closing our accounts and they have refused to give any reason for the closure. Unless you want to spend hours of your time opening new accounts and arranging new automatic withdrawal and deposit information, avoid them.

I tried to make a deposit today at the Falmouth Maine TD Bank. The teller refused my deposit because a text to my phone failed, I've been a customer for over 40 years. Td bank is becoming a very inconvenient bank. I rode to the next town, the Yarmouth TD Bank took my deposit with no hassles. It seems the Falmouth TD Bank needs to learn what customer service is.

TD Bank Branch 1256 Central Avenue Albany, NY 12205. I have been with TD Bank for over 25 years. Bank representative Rose ** was very professional and friendly; she provided excellent customer service and made great suggestion regarding my account; I have received great customer service before from her and was very happy with the service I received. I hope in some way you can let the Bank manager or her know how much I appreciate her and the excellent service and suggestion she has provided. Thank you

TD should teach some manners and customer service skills to their employees especially to rude managers who should not be in that position in the first place. It's none of their business to ask customer why s/he wants to withdraw a couple of thousand dollars from their account and if customer shows his/her displeasure, telling them that they could refuse transaction. Some guts! Want to take your money but can refuse withdrawal. Stay away from customer service representative name Harpreet and manager name Dawn.

I spoke with TD customer inquiries today there was a fraud charge in my account. They had texted me to ask if this was me, I said no so they stop the transaction. I was happy. 2 days later I try using my card is blocked. I call td customer service, they said I need to get a new card in order to stop the fraud. 3 days later I get a new card. 4 days later today I check my account and the fraud payment went thru every I had a new card. I call c.s. Again. I spoke with an agent, she ask if I wanted to ask for the money back so she said I could do it online or she could do it for me but it would take 30 min. I said I will wait no problem.

I Opened up an acct to do cross border banking w/ the US TD Bank. Then I opened another acct so I could do e Transfer to pay my Canadian bills. Then they froze my acct. I could not do anything online, they told me to go to a local US TD branch. That's inconvenient for a worker like me. Then after TWO appointments, the Canadian side still wouldn't help me. They said I have to go to a Canadian branch. So they have thousands of my money, and I can't access it. I DO NOT RECOMMEND THIS BANK.