TD Bank Reviews

My payments do not get processed and I do not get a notification that it doesn't go through. It's happened multiple times and I take a hit on my credit because of it. When it happens, it shows I am 2 payments behind. It pisses me off because I know I make my payments. Plus, I never get any notification that the payments never go through. This company is crooked.

I have been with TD for almost 10 years and I am far less than impressed with each passing year, I have had multiple issues every time I've had to renew my mortgage as well as going through 3 to 4 different people throughout a one month process. I have been charged multiple fees for things I was not informed of in any way and I find a real lack of care for its customers' financial well being.

TD destroyed my impeccable credit. I have been an incredible customer of theirs for probably 15 years. TD manages to send me 5 letters a week asking me to take out massive lines of credit but somehow managed to go silent when my Bill Pay mysteriously stopped paying my TD CC 2 times a month. My bad for trusting the system I've been using for years was efficient.

The worst bank for new business. It’s ok until it’s not. I had 5 business accounts with the bank and once business pick up they know that it’s the point where it’s complicated for company to change the bank because it’s tied to too many accounts and they start to hold checks for too long for no reason and horrible customer service to get in touch. You have to wait 45min-1 hour and honestly no one any authority or ability to help. This makes it the worst bank in America.

I am disappointed every time I interact with TD Bank, particularly in their branch locations. They are slow, disorganized and demonstrate no interest in customer service. I will be switching to a local bank as soon as I can.

I refinanced my mortgage with TD Bank several years ago. Never had a problem until about June 2025, and now every month they have screwed up my loan payments. They've misapplied the loan payments each time and disregarded the secured messages with the instructions on where to apply. I've incurred late fees because of their error and it takes a long time and multiple attempts to resolve. It also could have jeopardized my real estate tax payment because of these screw ups.

I've been a client of TD Bank since 1989 and never had a problem until a week and a half ago. I mobile deposit a check that I have deposited from the same tenant for over 2 years, the previous month the same check returned for the first time. Now they freeze all my accounts, deposit only and I have no access to feed my children, my bill payment are returning and it been 9 business days and my account still hasn't been restored. I conversation with the rep, I mentioned I'll have to take my business elsewhere. She says do whatever I want! She did not even look to see that this check was being deposited each month same date. Absolutely disappointing.

I'm actually amazed! I mean what is the mathematical possibility of a company (TD) having over 1500 reviews, to have an average of 1.1 stars, when the minimum you can give is 1? Well, I have a bigger mathematical impossibility - I'm going to lower their average with this write up (and we should keep lowering it). Simply, I have been a loyal customer customer of 20 plus years. I have accounts for everything: checking, savings, insurance, investments, mortgage, HELOC etc..and I have never made an insurance claim. When I did recently, after 20 hrs of insurance premiums, they basically decided they are only going to pay 40% even though my policy clearly states otherwise. We are following up the matter.

Bank is biases verification done several time by myself that no one can answer talking about some fraud alert bull. If your corporate do not want to do business with ** just say so the writing is on the wall. A lot of these banks are turning ** folks down for bank account and loans. Nothing has changed.

I am extremely disappointed with TD Bank and feel compelled to share my negative experience. The entire banking system seems inefficient and unreliable. Whenever I need help, customer support routinely keeps me on hold for up to an hour—sometimes longer. Even after waiting, my issues usually remain unresolved. The cheque deposit process is especially aggravating. TD put my cheque on hold for more than 14 days, which is completely unreasonable. Nobody can explain what verification is required, and the process feels like a scam. I have lost trust in TD Bank’s ability to handle even basic banking tasks properly. If you value your time and need reliable service, I strongly urge you to reconsider banking with TD.

I've always had a positive experience with TD, whether in person or over the phone. Their support team is consistently fast, helpful, and professional. While their fees are slightly higher compared to Wealthsimple, if you value the convenience and reliability of a physical, traditional bank, don't see a better option.

This morning I went to withdraw money from an automated cashier and for no reason the machine froze and keep my card. If it was a emergency I could get in a big problem. I going to seek another bank, but this time a reliable one.

Being a customer of this bank for many years because I have no other option close to my home, today I had the worst experience. I tried to open a new business account online for over 10 days without success. I called customer service asking to cancel the account because it was taking time, and I knew what documents I had already sent. They apologized and asked me to go to a physical branch.

Have issues with heloc. Went to make a payment on due date from td app like I have done since the beginning and said 0 due then I get new bill and said I missed a payment. Changed late fee and double pay for next bill. I went to bank. Was useless. Called on phone and they tell me because it was a Sunday that's why says 0 due. I made principal payment so I figured that's why 0 due but not the case. Seems like a scam. Also first they said it was a glitch and it happens sometimes but if I didn't look into it could have hit my credit. I will be moving my 3 accounts elsewhere and pay off heloc. I feel violated.

I just got paid this morning and I send two e transfers and they locked my account for no reason, said suspicious activity, this has royally screwed me. I have to go into a branch now and show ID, before it gets unlocked, I have rent, child support and bills to pay today, call support and no one can do Anything to help,

The WORST bank ever. Just full of Scams. Refused to pay out new account. Scam. Refused to pay out credit card rewards. Scam. Did not notify me that I was past due on 25 dollars, so they destroyed my credit rating over late payment RATHER THAN JUST CONTACT ME ONCE!!!

I went the drive through to deposit two checks to my checking account. Today I went online to review my account to make sure it was noted. I notice that it was noted it would take 6 business days to clear. I call the bank and the service rep stated it takes that long for the checks to clear. I ask why and she try to say if the checks were cashable or authentic, not understanding this whole scenario. I work for the city and one of the checks was from there and the other from another company. Never heard of 6 days for a check to clear. I think this is some real BS.

After 15 years with this bank, I’m closing all my accounts. I don’t think anything can triumph the fact about how angry and resentful I am of this bank and their horrible policies and customer service. If you have a Visa credit card with them, cancel it and choose another bank or company. Back in 2022, I booked a vacation using my TD Bank Visa credit card. A week before the trip, the merchant failed to tell me the country had a 7-day quarantine. My vacation was 7 days. Merchant suggested to cancel. I did. Term and conditions stated clearly I qualify for a full refund. Merchant refused anyway.

The most incompetent, the most inconvenient, I call. They give me appointments to see an agent then I go to my appointment. Tthey say you need to call, then this cycle happened 6 or 7 times. Then when I asked they all said they don’t know the reason!!! I’m really disappointed and regret for choosing this bank.

They are pathetic. They completely missed three fraudulent charges to my card, I found them, contacted them, they shutdown my card, didn’t get me my new card in the overnight option, took almost a week to get me the card, I went to the branch multiple times, now I’m in Greece and they’ve flagged all my attempted purchases as fraud and shutdown my card. I gave them all my information but because their code they texted me couldn’t be verified for whatever reason, they will not talk to me. Don’t use them. They’re unreliable, difficult, pass the buck to you, and don’t care that they’ve screwed me over while 4,600 miles from home. Close your accounts.

This is the worse bank Phillipsburg New Jersey. Go to make a cash deposit. Person was asked where did you get this money? Are you committing fraud? Who are they to ask such questions? The whole thing is been going to this bank over 20 years every week. This is disgusting.

If you ever wondered what it feels like to be a nuisance in someone’s day, just pop into TD Bank. Their service is so spectacularly miserable it could win an Oscar for "Best Display of Customer Disdain." From the moment you step in, you’re greeted with eye-rolls sharp enough to cut glass and a vibe that screams, “Why are you even here?”

TD bank has been Extremely disappointing. I had an issue with the bank and was treated very unprofessionally by their customer service and their fraud department tells more stories than I can to hear. Very frustrating and dissatisfied with this bank!!

TD Teller in Hockessin Delaware would not accept a DEPOSIT I was trying to make for a elderly relative who resides in an assisted living facility. After the transaction, I won't have access to his money and I won't know his balance. I'm struggling to understand what possible Fraud could be committed from someone that is not the account owner making a deposit for $79.23 into an account with an endorsed check and deposit stub into that checking account. You have caused quite a problem for the elderly. I can't believe I'm the only one escalating this as an issue. I can't take him to the bank to in-person add me or his daughter to the account. So now, I'm going to have to get his ATM card, pretend I'm him, and make the deposit at one of your ATMs. Where I will have access to ALL of his money and knowledge of the balance. You are giving Fraud a chance - Not preventing it.

TD Bank sucks! If it were me I’d give them zero stars. I set up an account online; and I tried to transfer funds to my Chase bank account and I received an email that they were suspending my Zelle and external transfers and that their system thinks that I’m not the owner of one of the external accounts that I set up.. and in which I clearly have proof that I’m the owner of both my external accounts so when I called customer support on Monday morning she tells me that the fraud department closed my account and ended the relationship with me. They are the worse bank ever.

Went into branch to get a HELOC home equity loan. Spoke to a person on the phone and that is how the mess started. The person who looked over the application would not call back, would email and gave a list of all the information she needed. I got a cover sheet directly to her and faxed in over 100 pages of information. She keeps emailing saying she needs a lot of details that I faxed. I keep letting her know she has that information. It is getting nerve racking. This has been going on for weeks now. Finally to day I just said no more and forget it... Oh and they give your personal information out to other businesses and they even emailed someone else's personal information about there line of credit to me, and when questioned, their response was just delete it. If there was negative stars for the review my would be. - 6 million. And they say they have legendary service hahaha.

Deposited a check in my account. Had to wait 12 days for funds to be available. When I inquired about the deposit I was told that's how TD handles checks, very rude manager in New Smyrna Beach, should be fired.

TD Bank = the ultimate trash financial institution! Service sucks, experienced very long wait times in-person at my local branch as a new customer and saw many other customers complaining about the horrendous wait times and customer service. They closed my newly opened checking account without giving me a reason as to why and wasted my time asking me to come to the branch to retrieve my funds when they had already mailed my funds out in the form of a check (of course I had to deal with the annoyingly long local branch wait times once again)!

This bank is the most unhelpful TD bank I have ever been to. I have come twice and they treat you like a criminal with your own money. They won’t let you transfer money from one bank to their bank even know it’s your own bank accounts. They want to hold your money for the longest possible time they can with no lenience. I have unfortunately banked with them for 35 years and they still treated me and the fellow customers horrible. I would highly suggest not using this bank. Others in neighboring cities are much better at customer service.

I have been a TD customer for over 40 years, own 2 homes without mortgages, have my investments with TD wealth, credit score 854. I have a TD aeroplan infinite credit card with a limit of $8000. This is such a low credit I'm not able to travel with this card. I have not been able to resolve this issue with your staff. If I apply for a random credit card online I'm offered 20k!