TD Bank Reviews

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.

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.