TD 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.

I purchased a new phone from Samsung and decided to finance with TD Bank. These guys are the worst and I mean worst. Their customer service blows. Their online account system is terrible. They kept charging me late fees and I was paying my dues on time every month. When I tried to dispute the claim, guess what? Just so happens I am "locked" out of my account. They were suppose to take those late fees off MONTHS ago and didn't do so. So the amount keeps building up. They should pay off my phone for their terrible, terrible service. Do not. I repeat DO NOT try to finance with them. They'll just try to screw you over.

I discovered that a fraudulent account was opened in my name for a line of Samsung credit with TD Bank. I had it shut down immediately. Concerned that the fraudsters had my personal info I went to the bank branch to have my debit and credit cards changed over to prevent any further fraud. I presented my IDs and answered security questions and got new cards. A week later I made a payment on the credit card without any issues. A few days later I go to charge something to the card and discover that it isn't working. I call customer service and they tell me that a security hold was placed on the card due to ID theft. I am told I need to go to a branch and present ID to get the security hold lifted. Pointing-out to them that this card was personally requested by me and given to me by a manager after I presented ID gets me nowhere.

I applied for a Samsung tv thru Samsung website where they offered a credit card to pay the tv on a monthly basis thru TD credit. I got an approval, ordered the tv only to be told a month later that the approval was an error (my credit scores are 739, 767 and 762 in all 3 credit bureau...). Thank you TD Bank, worst bank in the USA... not professional at all, they need to learn about customer service, last time I waste my time with these clowns.

Dear TD Bank Management, There is only one guy in your entire bank system that I would return to do business with! Mr. Victor ** has gone above and beyond to help me resolve my problem that other 30 people that I contacted before chose to ignore. I have never been treated this badly by any financial institution. Thank you Mr. Victor for patiently listening to me for 20 minutes and never interrupting me once. Thank you for resolving my issue. There is no worst feeling that knowing that you are getting screwed and a bank branch manager telling you there is nothing they can do. TD Bank is horrible and I will never do business with them again. Mr. Victor is the only positive about the bank. Thank you again!

My name is Ms **, I put In money into my account for rent... I was then notified by the landlord that the money was not there I was lost. I then sent a secure message to TD right away. Then I also called in and disputed it. 2 months later I check my account I have a negative $831.15. TD did not approve the dispute... yet all the transactions were in another state 5 hours away. TD are the criminals. Since then I have made another dispute their excuse was I was on online banking... (Yeah to send a secure message that my account was used without my knowledge.) TD claims I need to send more information. How??? I did not do the transactions!!! I will dispute this forever if I have too.

I applied for a TD Ameritrade Visa card last year, it claimed if I spent $500 within first 90 days I will get $100 bonus cash. I called the help desk and asked why I didn’t get the bonus, they claim I didn’t put the promotion code on the application. I had a copy of the application. It doesn’t ask if you have a promotion code. I was on hold back and forth for over an hour and at the end they can’t do anything about it. Poor customer service and the help desk is not open 24/7. This bank sucks. Never ever try to use this bank again.

Don't ever do business with this bank. Their customer service is horrible and no one at the call center responds accurately to questions. I have asked repeatedly for forms but none ever came. Even getting a username and password is difficult.

I opened an account with them about a year ago. They had said that since I was a student, the only limit on my account would be that I cannot go below a certain amount in my accounts. Fine. Now about 3 weeks ago I started getting charged for making too many transactions when they specifically said that all I had to do was stay above a certain balance! And I did! I called them on the phone, and they were very rude. Even the higher level people were rude to me. This isn't even the worst part... a week after I opened my account they froze me with a $-9,999,999 balance. It took almost 3 weeks for them to get to the highest level they could, and unfreeze+fix my account. I will be closing my accounts with them ASAP.

The worst bank I have ever been to. Cash machine took my cash and did not register the deposit and ate my banking card. After being kept waiting for almost a half an hour the teller told me that she would open up a claim but my money probably wouldn't be in the account for a few days. This is a problem because I have payments debited automatically and without the cash in the account I would be severely penalized. She said there was nothin+g she could do about it except file a claim and hopefully the cash would be accounted for.

The worst bank I have ever been to. Cash machine took my cash and did not register the deposit and ate my banking card. After being kept waiting for almost a half an hour the teller told me that she would open up a claim but my money probably wouldn't be in the account for a few days. This is a problem because I have payments debited automatically and without the cash in the account I would be severely penalized. She said there was nothing she could do about it except file a claim and hopefully the cash would be accounted for.

“Convenient bank” may not be true, depending on where you live. I use TD Bank in Florida, and have to deposit checks and cash every month. I try to use the ATM, and literally half the time there are problems with it. Once in a while it is during working hours and I can use a teller, but mostly not, so I have an hour round trip (I live way out in the country) to do again. Sometimes it won’t take cash. Sometimes it won’t take checks. Sometimes it won’t take either and is just turned off with a little sign on it. Sometimes it won’t take a check until you put it in five times in different orientations. Yesterday I found, after 12 tries, that if you push a check all the way to the left edge of the slot, it would take it, but not otherwise. The people in the bank know about the problems, which have been going on since I started there 3+ years ago. But the ATM still doesn’t function reliably.

Last night I called TD Bank to make sure my account was in good standing because my husband and I were going to use this account as our new primary. We were negative which wasn't a problem because we transferred money into the account last night to bring it to good standing. We also called customer service last night and confirmed with them that the account was good and making the payment would bring everything to normal. This was great because my husband and I set up direct deposit to go into this TD Account. Now this morning TD say they canceled our accounts after we put in all the information to our work and transferred all our money into the account.

I just opened an account in this branch on August 10, and in 1 week I had so many different troubles every single day! I used to use Chase Bank before I moved to Philly and never had a problem with that at all! But TD Bank is the worst bank I’ve ever worked with!!! Finally they locked my account for no reason and I tried to call them. Finally I reached them and they said, it will take a couple more days to unlock it.... Stay away from this ** bank.

TD is the worse. First fraud transfer was stopped because I check my account at 6 am and saw it on time. Now 3 months later new account I get fraud, transfer 987.12 from my savings to checking then withdraw on my checking 2100$, then a mobile deposit of 4843 something like that then try to withdraw. Transfer was successfully completed and they said since the code request send to my phone number succeed, is that I have log in to someone in compliance with them to do the fraud. They didn't return my money, even with police report and proof all the calls for code request and code request sent for my email log in too. Can't pay my mortgage and they don't care, so the others got away with it. Even when this happened in Georgia and I live in NJ. Hope this company and the thief go to hell or get the worse in their life!

After decades of banking experience with TD I am heart sick to know that my deceased mother's attempts to secure easy passage of her assets was guided by a revolving door of unqualified staff who now hide behind the anonymity of this large business. My mother put her trust in people who are parachuted into this mill they call a bank - lesson learned the hard way. We will work through probate and the funds will find their way to the proper entitled but with no help but actually obstruction from an institution that I will never look at the same way.

On June 24, 2018 I attempted to use an ATM, Terminal **, to withdraw $200. First, I checked my balance at the ATM. It was $3,498.00. On my first attempt at a withdrawal no money was dispensed and I received a receipt which stated, "TRANSACTION IS NOT APPROVED." It also said, "DISPENSED AMOUNT $0.00

REQUESTED AMOUNT $200.00". On my next attempt I was able to withdraw $200.00, but my balance had been reduced to $3,088.10. That means $409.90 was taken from my account. That is equal to two withdrawals of $200.00, two service fees of $3.95 and two charges of $1.00. However, I only made one withdrawal. The other one was declined.

I recently closed my account at TD Bank for 1 reason. They really don't care about their personal account customers. They have something that other banks do not have: "Event overdraft processing". This means that if you miscalculated your debits and find out that you are negative, they do not give you time to deposit the money that day to bring the account positive to avoid an overdraft fee like customer service oriented banks do. Done to maximize the chance of charging fees. Very Bad business.

I had embarrassing experience with TD Bank. The bank put a hold on my account without my knowledge. Absolutely no communication from bank warning me of security breach which never happened. All banks contact bank customers by email or phone or both if bank suspects breach on customers' account. I went grocery shopping using my debit to pay. Having money in my account I was declined 3 times. This being a busy grocery store. There were store customers lined up behind me

I was getting a higher interest on my savings account so I had my wife upgrade her savings account to the higher interest approx 1.2%. The bank agent said my account opened 9 months ago was paying less interest than my wife's so he was to change from .4% to 1.2%. It never happened so I lost $1200 of extra interest. Neither thde manager or corporate seems ready to make up my loss. Once this happened with e*trade and they made up the difference. TD seems not to honor their error.

Worst banking experience ever, customer service took 20 minutes to answer my call, and when they did the lady was annoyed I was calling and was rude with a bad attitude. This was my first call to customer service. I opened a new business account and I pay extra to have square instantly deposit my sales, while TD bank played with my deposits for days and charged me $70 overdraft fees for a total$280 in one month I had my account open. Also while on the phone call customer service which shouldn’t be called that wanted every transaction for the week to be verified to the penny. When I missed a some she said this conversation is over and hung up. I had to walk in and speak to a rep and ask for help.

TD Bank reverted to my old address after sending statements to the correct address for more than 2 years. They neglected to remove my deceased husband's name from the account even after more than two years and three death certificates. They insured my property claiming not to have received the declaration page from my insurance agent. I needed to chase them down to replace an overage check from escrow which I returned to them voided (still had my husband's name on it) and they had not redeposited it into my escrow account.