TD Bank

Be warned: TD Bank lies when offering banking promotions. When contacting customer service to resolve issues, they promise to rectify problems and take no action at all to resole anything – more lies. Although they appear to be a good basic banking choice, they do not stand behind their own published policies and promotions (account fees, promotional credits, etc.) and they offer no customer service with the resulting issues. Other functions – ATM access, statements, etc. – are fine, but the failure to deliver on published information and broken, meaningless promises of all who work there ruin it all. TD Bank is far more frustrating than any simple checking or savings account needs to be.

Summary: If you expect any help from call center, maybe you should try to pray god. Because your prays are more likely to be answered than the customer representative. My account is locked. I spent 1.5 hours but nobody answered. I got tired of waiting so I asked my girlfriend to call as well and her call was answered because if your card is locked, then they do not accept your card number but they do not tell you this either. Anyway we solved the problems after 3 hours of call. Then guess what, they locked my account again the same day. I am still waiting on the phone. It says, it can continue up to 60 mins!!! I mean the record said that about 2 hours ago but anyway. If they perform just like the last time, I only have to wait on the phone for 1 more hour, then I can use my own money just like it is my own. If this is not a miracle then what is. If you believe in miracles then you should give it a try.

TD Bank is not as great as I thought, they are not even good. TD bank is holding my paycheck for 7 days. I called to have it released by they kept saying the same thing over and over, it is TD policy. I spoke to a manager and explained how wrong it was to hold my paycheck. He said the same thing company policy. TD managers are useless. Might as well just get a computer to do their job, just get the computer to constantly quote policy and not listen. I don't know what TD is thinking but no bank has ever put a hold on my paycheck. I said this is a new account but I have been with TD for 30 years, useless manager would not look it up. I got a payday loan so I can cover my financial obligations. You suck TD and your policy is very, very messed up.

Terrible online banking for business. Website access to accounts is routinely down. It's difficult to actually be more terrible than business banking in Puerto Rico and TD achieves this on a monthly basis for more than 2 years now of direct comparison. Perhaps one will fair better on the retail side of the bank but if you are looking for a new business bank, keep looking!

I purchased 2 beds/mattresses along with my living room sets from Raymour and Flanagan, totaling over $6,000.00. I paid and had a balance of $300.00. In July 2022 a payment was returned which I went back and resubmitted and paid the $25.00 fee, mind you, this was the first time since I purchased the furniture. The punishment they gave me is to DAMAGE my credit. So, they give me a credit balance less than what I owe. As of today, my credit limit dropped to $250.00 from 8,000.00 plus and my balance is $251.00; this is what they will report to the CBR in 30 days showing that I am an irresponsible creditor. My contract states that I have up to 2023 to paid off this debt but I worked so hard to pay it off in 2022. I need a thorough investigation on this

I opened my account online in June but before I was issued a debit card, I had to go into a branch and physically show ID. All was well until I tried using my card. After the first couple of attempts, they restricted my online access and forced me to go into the Branch to show my ID again!! I was unable to use my debit card because my card was locked so that meant that until the issue was resolved, I had to go into a branch and withdraw money from the Teller. What a huge inconvenience. Not one customer service Rep was able to tell me why and while they were all very nice, they were unable to assist. Switching back to my old bank. Not worth the hassle.

This company will pick up your calls and not do anything to help you. They put you on hold for 20+ minutes and never resolve anything. Their phone employees are not truthful and will talk over the customer continually. I called to have a proof of lien taken off of my car which has been paid off for 6 years. They told us they faxed definitely on 5 different each times we spoke to a supervisor who assured us that the document was faxed and mailed, but we received nothing.

Horrible bank. I been with them for a month and it’s horrible. My card got lost and changed was being made with the card with online purchase! I file a claim and weeks later TD notify me that there was valid transactions :-|. No way are they telling me it’s valid. Now if they tell me the pin was use which my pin isn’t on my card but it’s online purchases that was not made by me so how is this valid!!!! To top it off they didn’t notify me when these transactions was being made On my account!!!! Don’t use TD Bank if you are looking to switch! Save yourself from the headache. I’m going to stick to my Chase account number where I don’t have these types of concerns.

I called the customer service and in maybe 8 times, they never helped me. My account still get freeze up, bad infos on my accounts, other strange things. I don't believe since they are not able to fix simple problems that they can do more. I will leave them.

Hopefully something can be done maybe a Samsung rep might see this and withdraw their account. All I will say is that I will never finance with Samsung again if all they have is this bank. I had the Samsung care and cancelled but apparently TD BANK never got the memo and continued to charge me despite my relentless effort to resolve the problem then had the audacity to charge a late fee and ding my credit when I was trying to resolve the problem with the sloppy phone system that didn't work. When I asked to speak to a person to make my payment they hung up on me. This did not only happen once but several times as I tried to get clarification of the charges. It sounded like the same woman every time and the more I called the more aggressive she became. Samsung will not get my financing ever again and hopefully others will see and withdraw as well.