TD Bank Reviews

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!

Extremely Disappointed After 20+ Years. After over 20 years of loyal business banking with TD Bank, I am absolutely disgusted by how I’ve been treated. Without warning, my business accounts were frozen for two weeks, severely disrupting my operations. Then I was informed they were no longer willing to do business with me simply because I import jewelry and sell it to retail stores across Canada—a legitimate, longstanding business. This decision was made with zero communication, zero understanding of my business history, and zero regard for the impact on my livelihood. It’s an appalling way to treat a long-term customer, especially one who has entrusted TD with substantial business over the years.

TD Bank has by far provided me with the most frustrating, disappointing, and outright unacceptable banking experience I've ever had. First, they froze my account—not because of anything I did wrong, but due to an issue with someone else’s account who sent me money. Instead of investigating that party, TD decided to completely freeze my funds for over a month, leaving me unable to access my own money with no support or urgency to resolve the issue.

I set up a new account with TD Bank for a new account bonus offer. After I set it up, nothing was given to me that I had applied for the bonus and it would be paid if I followed the terms and conditions of the offer. I contacted TD Bank customer support online email and only wanted one simple answer that they avoided to answer. All I needed to know was can they confirm I applied for the bonus offer. I repeated this 3 times, but they would not confirm that their online system shows me applying for the offer. After doing some research on TD Bank and found .....** This makes me wonder about trusting, putting my money with TD Bank.

I deposited a $500 check yesterday 12 May 2025. It takes six days to clear? The fraud department refuses to budge on this. They claimed to be America’s most convenient bank. I called bull. I’m leaving that bank immediately.

I am very disappointed. I called TD Bank yesterday and asked for the regional manager's information for a very serious matter. I called the branch in Aventura, FL and the main number 888-751-9000. They did not help me. It's top secret to get a superior's information. I have never been treated this way before by a bank. I would like to mention that I have been banking with this bank since it was Commerce Bank. All I asked for was the regional manager's information. I would also like to mention that they are very unreasonable when it comes to certain things. I am thinking about opening an account with another bank because I am not getting the support I need here.

I have been with TD Bank for more than 20 years, and have had my share of issues from fraud on credit cards (my only card that ever had fraud) to poor customer service and many, many issues with their technology. At one point I was so fed up, I literally changed my password to YOURTECHSUCKS. This time I tried to redeem rewards points on my credit for a statement credit. I was not even taking money out, i was just lowering my balance with my points.

I had a very unpleasant experience with TD Hamilton branch in Vancouver today! The manager/counter supervisor acted disrespectful and very personal to apply check deposit holding rules. I am a small business owner for the business account with them for over 10 years, and although there are proved good standing checks deposit history between business to business, the lady showed her ignorance to the fact and didn’t consider good and loyalty customers' relationship as her priority and repeatedly use “the safety of our bank ..” as the excuse to her decision! TD should hire human but not machine to work with people. I am so disappointed with her decision!

This bank is a Canadian Bank and so picky on who to approve for loans. I've been a customer of their for 18 years and they never ever approved me for a personal loan, credit card or even for my business which I had a business account shows $90K, of gross income and still denied me for a business line of credit just because my score is under 700. Even when I needed a mortgage, Wells Fargo Bank is the one who approved me. I closed my business account and going to close my personal account too. Terrible bank to get financial help from! They just want to charge you all kind of fees and that's it!! Get Lost TD Bank and go back to Canada!!!

First off, let me say that management is good but the staff are either stupid, lazy or both. Lines are long, drive through is almost non existing. I sat at the window for 12 minutes and finally called to see if anyone was working the window. Absolutely disgraceful phone skills. I called and was disconnected 3 separate times. Now I drive to another location to avoid getting aggravated. Avoid Whitestone branch! Unless you're up for an annoying experience.

ABSOLUTELY HORRIBLE CUSTOMER SERVICE!!!! Kept me on hold 2 different calls for almost an hour for each call…Needed to change my mailing address (which I did back in 2021, but was never processed!!) for my IRA/CD. Every time I spoke to a CSR, they told me they couldn’t process it & was switched around 4X w/each call! FINALLY, the IRA Dept. answered the phone & told me they couldn’t process that request & was going to switch me back to a CSR until I lost my mind & amazingly she was able to help me!! As soon as my CD comes due, I’m changing banks! TERRIBLE BANK TO DEAL WITH!!!

Absolute criminal scum of the highest order. Laundering billions of drug cartels' money. Illegal transfer of funds from personal accounts without authorization. Attempted theft of 225,000 from my family's estate. Zero Visa fraud protection. Deletion of credit cards without warning. Absolutely the worst institution in all of Canada.

Opened Ethan Allen credit card administered by TD Bank for 36 month free financing period. On first payment, rather than deduct 1/36 from our checking account, TD deducted the FULL BALANCE sending our checking account into overdraft. Long call with TD Bank agent to try and get corrected with NO success. Agent acknowledged that this happens frequently due to the confusing nature of the TD Bank credit card payment setup. She talked to "supervisor" to handle and came back with nothing. They want us to "prove" they've been paid (odd since they administer the account) and threatened $25 fee if payment returned. In the meantime, we're dealing with bank overdraft and all the related issues. Thanks for nothing TD. What started as a very positive experience with Ethan Allen turned into a major disappointment. Will never go near TD Bank or your products again.

TD Bank Howell NJ is the worst bank. TD bank does not respect their customers. They have terrible customer service, especially Anthony **. After several terrible mistakes what he did over 4 years of we being good standing customer he closed our checking account without any notice, said that we are not customers anymore and we cannot talk about it. On our question where is our money out of the account he said “the check was sent out a week ago and you should receive it”. But we never received it. And we are hiring a lawyer now to figure out what happened.

Most convenient bank? LOL Stop! Our debit card gets shut down periodically for no valid reason whatsoever, including charges that recur monthly. There's a minimum of 20 minutes on hold every time you call. I enrolled in wire transfers 3x and I never hear back/it never gets set up. They give me a dedicated business number to call, I do so and they tell me I reached personal support, they transfer me and I'm told the office is closed. Tomorrow I'm moving all of my accounts to Chase.

We had the pleasure of dealing with Barunpreet ** at the TD branch by London Drugs in Delta. The line up for tellers is always chaotic; fortunately, we met with Barun in his office and he exceeded all our expectations in resolving our issues. The next time we went to the bank, he acknowledged us as we waited in line, and graciously helped us out. This young man's warmth, knowledge and commitment to his work is second to none. TD Bank should be so lucky to have Barun as a staff member. Thank you.

I deposited 7k in my bank account to cover a dental procedure. Yes I waited 3 days to clear. When I tried to pay it was declined several times. Embarrassing. Apparently, you can’t use more than a 1k of your money at a time. Took a 20-minute phone call to get my bill paid. The next day I tried to use my card and it was blocked. Embarrassed again. No reason for this. Yesterday I asked for water in my water bottle to clean the inside of my windshield because the defrost made a film so I couldn’t see. The male teller said they have no water in the entire bank. This is a woke bank with woke attitudes and poor management. They act like they’re doing you a favor instead of the other way around. Also had to sign for a damn deposit they emailed me in my car at the drive-through! The filthy windows and trash outside should be your first red flag. Looking for clean bank who hires people with manners.

TD Bank does not care about their customers; it is as simple as that. Look for a bank that genuinely treats their customers as a priority and not looking for a way to make more money off of you. Some customer service reps are kind and helpful; while others are only there, because they have to be.

My negative experience is not with the so called “stores.” It is with the bank as an institution. The personnel in the branches have generally been pleasant and professional. The representatives one reaches on the toll free lines are often an entirely different matter. Examples: suddenly finding that you cannot make an international ATM withdrawal. First, at your expense, you have to call customer service, and wait almost indefinitely having the infuriating mantra “America’s most convenient bank” poured into your ear over and over again.

Sadly our experience have been awful using this bank. We closed our account in January (as they contacted us that their service was not going to be available anymore) which made us have no access to the webpage as the account was closed. Never sent a statement (for the $15 balance they said was still there) and charged us over $60 on late fees on that after we had to close the account.

Terrible experience with advisor Muzafarov at 2700 Coney Island location. Absolutely incompetent and unprofessional, no clue what he is doing. Ignored all questions and refused even to print documents. After such useless appointment unable to submit confirmation to IRA. Stay away.

I am not impressed at all. Had stuff bought on my card that I didn’t do and they didn’t bother to return the money that was taken or even credit my account. One of the worst banks in Canada. Definitely will be moving to a new bank.

Awful, just transfer funds from one TDBank account to another where in the past it was always automatically done in seconds and now I have to wait 4 FOUR days to have access to my own money. The irony is that it’s completely drawn from my checking no problem there to take it out, but FOUR 4 days to be deposited into my credit card. Ha Ha…not acceptable! Then it shows I have x available credit and the purchase its declined!!! Again unacceptable!!!

The only reason I gave one star because there is nothing existing on the negative side of the stars. This bank is a living example of something going from being bad towards and then eventually worst. Do not put money into this bank because you will get nightmares and the most horrible experiences when you try to withdraw your own money back.

They use to be good but they have got into politics and have gone so woke that the average joe will feel the poor customer service and the fees. I keep losing money and they can't track it but say, "It does not make sense. We will get back to you." It's been a full year of this. We switched to GMO.

In my personal opinion TD is not for the lesser class of clients. TD is not interested in caring for the lower classes instead they pray on them as they are being a predator on me constantly. I pay 3 to 4 NSF fees every two week for no reason just for TD's own mistakes. I applied over overdraft protection constantly but yet I never get it and TD is where my pay come in from my job. TD take no consideration in my interest period. After making constant calls and making constant reports.

If you want a bank that is going to kick you in the teeth instead of trying to work with you when you unexpectedly hit hard times, this is the bank for you. Instead of trying to get money back from corporations that default on millions, it tries to recoup that loss from people going through hard times that could use a bit of help.

My fiance is traveling In Thailand and every time he attempts to get money out of ATM with his TD Bank card his card gets shut which then requires hours on the phone trying to get his funds. He is in Thailand waiting for surgery and we are unable to use his card to pay the hospital as we get the message card not approved by bank. He has over 50K in that account. This is the worst customer service and his surgery - Cancer biopsy, glad he didn't need lifesaving surgery - which has been postponed twice while he waits for me to wire transfer from my bank to Thailand (which takes 3-5 days). The customer service people call him a cracker and are extremely rude. I hope there is a special place for these people.

This bank has terrible service and policies. I've had trouble with credit cards, broken ATM machines, CDs, and check deposits. They closed every office and ATM that I used regularly. My tolerance reached it's limit when they refused to honor a certified bank check that I deposited in person. They have no respect for their clients. They just use us to extract as much money from our accounts as possible. I've closed the accounts and moved to a credit union that values their customers. Don't give TD Bank your business. So many bad reviews with common themes, they obviously don't care to fix anything.

Needed money put into my account from a family member in another town. TD refused even though she took the bus and everything to do it. Called the branch and they said it changed last November. So all 4 bank accounts including our 2 savings are being closed. I don’t even have TD in my own town and yet stayed a loyal customer and they treat customers like this. Cancelling my 4 accounts and partner cancelling his.

Awful. I wish I saw these ratings before I opened 2 business accounts with TD. My bank, the financial institute that is supposed to support me is putting me out of business. A customer paid an invoice and they flagged it as fraud!!! All my money is frozen

I opened an account 4 JAN 24 and didn't get the "bonus" and then when I tried to transfer money to my account after providing every piece of information they asked for and already transferring money once they suspended my ability to transfer money. I was told I have to show that I OWN the account, that I transferred my money from IN PERSON! I already provided the information online and can't get back to the bank for at least a week due to the fact that I am a HOMELESS VETERAN without transportation. UPDATE!!! Since I wrote this review TD Bank has since BLOCKED my access to my account and my money (over $2000 from my disability check!!!!). Date of experience: January 07, 2025.

Do anybody know if lawsuits have been brought against TD Bank for predatory practices of late fees increments??? I hope the AG files a lawsuit against these two entities for swindling their consumers out of late fees and not sending billing statements in the correct amount of time.

This bank is worthy of a negative 1 rating as they have no empathy in regards to customers having a crisis in the middle of the night and later being told you should call before 9 pm when the call center closes. Backstory…..on the way to Atlanta my car started having problems at 10 pm…. I stopped at the nearest rest stop and decided to use my rewards points (which I have never used in over 5 years of being a customer) and booked a nearby hotel…. I received a confirmation number that the booking was successful and it noted a confirmation email will be sent to me.

I advise you to stay away from TD Bank. I have two accounts with them, a simple savings account and a essential banking account. They will charge you 3 dollars every time you transfer 6 or more times of your own money. During one billing cycle they took x78 dollars from my account just because I’m transferring my own money out of my savings. Not only that they charge a 5 dollars service fee while as my Chase Bank charge 1 dollar and they also charge me essential banking the same 5 dollar fee so not only they take money after 6 money transfer but they are also taking another 10 dollars for service and fees

I went to TD BANK one week ago to make some arrangements to do direct deposit and change my phone number and the next day I deposited 2 checks and it's been almost a week now I have no access to my money. When I called the phone number on the card my phone number isn't registered to send me the code so I decided to bank to the bank this morning just to hear I have to wait until Monday to get access to my money. This system is very poor.

This bank is absolutely horrendous. They charge late fees for no apparent reason. Customer service is terrible and highly unprofessional. Very much advise anyone to stay away from these crooks. They’re an awful company to take a Loan from

After committing in fraud, TD bank offers ZERO customer service. They let someone open a credit card in my name... Bought expensive exercise equipment with this fraudulent card, and then DELIVERED to my door 300lbs of crap that I CANNOT even move. This fake (though useable) credit card thru TD Financing (in cahoots with their criminal partner, NordicTrack) was never made known to me at all... Thousands of dollars at stake, for something I NEVER was a part of at all. DO NOT TRUST TD Bank or Financing... DO NOT engage with Nordic Track... They make life REALLY hard as their respective customer service teams leave you on hold for at least 50 minutes per call/transfer. They are mostly inept. Finally someone with some intelligence answered ... after being transferred 6 times and on hold for hours, collectively. Unreal.. Fraud they commit with ease, and resolution they make IMPOSSIBLE, almost. Really bad... Calling police next...

TD Bank was complicit, either during the crime or as an after the fact accomplice, in the theft of between $5000 and $10,000 from our accounts. The amount is unverified due to the Banks' refusal to cooperate in the investigation, reconciliation or resolution of the theft in spite of their failure to protect the account, and having first-hand knowledge of the crime to which they failed to notify us of.

Stay away!!!! We have been loyal customers of TD Bank Ashley account. Due to their web account changes the were never shared with the customer we were unable to make a payment. Once we could finally speak with someone we were told that the late fee would be refunded and we would not be reported to the credit bureaus. Well, that was incorrect information! They reported us over 30 days late which is completely incorrect and trying to have this wrong information removed they force you to print out a form, fill it out and then mail it in. Are you serious!!! Once we have paid this card off we will never use it again. I suggest customers beware and stay away from this bank!!!

If I can give zero to this bank I will. The worst bank and the worst staff I have ever seen in my life. Customer service never answers my calls! They keep charging me $40 late fees for being late 1 day only. They never mail me the bill on time and never explained their late fees policy. Supervisors are useless and should be terminated. No management to reach just a silly supervisors have zero customer service skills. Be away from this bank or you will end up paying all your life.

The customer service at TD Bank is non-existent. Representatives and branch managers don't care about clients. They're concerned only with earning a paycheck. It's only a matter of time before TD Bank ceases operations. The bank recently admitted to laundering money for the Mexican drug cartel and was fined $3 Billion.

On Oct 1, 2024 I was called by someone who identified as TD Bank which corresponded to the caller ID on my phone (same 1 800 number as TD Bank). I authorized a Air Arabia transaction which was supposed to be immediately cancelled. It went through and I immediately went online to make fraud claim. I subsequently called TD and my credit card and bank cards were cancelled and I was issued new ones. 6 calls and almost 2 months later my claim is declined after call 4 and 5 I was reassured that my claim would be deposited to my account.

Whoever decided to outsource ATM control should be fired. I went to TD Bank today for a simple ATM withdrawal and the ATM machine ate my bank card and gave me no cash. No one in the bank seems to care. A 2 minute transaction turned into a 45 minute stay at the bank. TD bank is no longer a friendly bank.

I am an account holder of long Standing at TD Bank. My current branch is on 20th Street in Vero Beach FL. Emily provided a great service to me today by unrolling and counting some coins (/quite a few) that I had rolled in error. She completed the task and exchanged my coins for bills. The Best Customer Service Experience I have had in ANY Bank in a long time. Patient Pleasant and Professional.

I visited the TD BANK located at 2495 N.e 8th Homestead, Fl earlier today and the most unpleasant experience with both the Bank teller named Mercedes and her supervisor named **. Both of them were unprofessional and was very disrespected towards me at this location and I highly don’t recommend anyone to become a member at this location. The service at this location is HORRIBLE…

BeWare! The ATM machines at TD Bank are not owned by TD Bank. Last week I made a cash deposit of $475, got a receipt that said "Forced Deposit". I went inside and was told not to worry if there was a problem. I would hear from them in 5-7 days. The deposit showed online and the next day, my account was debited $439. The customer service agent was super nice, but the end result is I have to wait 5-7 days for them to verify before the funds are put back in my account. I suggest that customers never make a cash deposit in their machines.

We just received a letter saying, "You're on your own from now on regarding paying your property tax," after 20 plus years. We've never missed or were late with any mortgage payments. So they want to charge you the same amount of interest for less work. I just received a phone call from a lady who basically said that "We're changing it, and you're on your own." There are other banks you can choose from, this is not the only reason. We've had other issues. It's time for us to change. Goodbye TD. Thanks Chris.

TD bank @ Yonge & Lawrence, Toronto let my 2 siblings walk away with $400K from estate account. No one checked Mom's estate file or noticed that three (3) trustees needed to be in attendance @ the bank. TD accepted a fraudulent Notice of Direction; it's signing officer signed away $400K without doing her due diligence either.

Long story short my card information was stolen and obviously person who stole it started spending on Amazon. I immediately notified bank about it which to dispute the charges which they did but further they decided to take back the amount. I literally have proofs from Amazon saying this transaction don’t belong to me. The worst bank. Do not open any type of account.

Construction loan/ Mortgage process is a joke. During the process I have encountered:

This bank is a joke. It has been over 4 months trying to get a dispute resolve. They do not want to be responsible of fraudulent charges on my account. They gave me silly excuses and no responses to resolve the problem. Be aware that they don't have a secure system to protect your money from scams. Horrible experience.

I’ve been a customer with TD Bank for over 15 yrs and must say that they are the epitome of double talk and faulty service and offers. My recent reminder to cash in my TD rewards was a process that wholly represents their bottomless pit of ways to discourage a simple transaction into hours of trying to get my points into reality. So far, it has been such a convoluted voyage to get the meager rewards that I have become exasperated, a pure goal of TD to wear a customer down before making good on their offer.

Do not open a business account with TD Bank. I applied for one and received an email I was denied. The account was still open in a frozen status and I cannot close it, it has been a nightmare. I have accumulated fees on the account on top of it all and it's still not closed.

The most offensive company I have ever faced in the US. They have been charging me for a canceled Samsung product for 773$, monthly for 35$. Since I recognized this in August 2024, I have been calling them 7 times to talk with someone. After totally waiting for about 4 hours on the phone, no one answered. I am being charged for late fees instead of two times. No solution!!! yet!

Never use the internet payment service. My money ended up with the wrong person and I cannot retrieve it. After banking with TD for 40 years, zero support was offered. There are no warnings that the service defaults to a phone number and it has changed. Your money ends up with an unintended recipient and you can't get it back.

Horrible, horrible horrible. An absolute disgusting place of business. Customer service are incapable of anything and policies are ridiculous. Do not bank here. Run far away, far, far away. They will screw you.

When TD first came to the area, (Hamilton, NJ) it was touted as "America's most convenient bank. Unfortunately, it is now America's most inconvenient, incompetent bank. Both the tellers and account managers are ill informed or unable to answer a question at all. A representative was not able to answer a simple question about CDs. Brutal. I'm transferring my accounts to another bank.

I made appointment online to discuss add my son for joint account and asked about forms for disability. She had the audacity to tell me I need a diagnosis for my son. I been with TD for 20 years. She trying to tell me the laws in Canada. I was born here. I know the laws and no you don’t get diagnosis for who the heck are you to ask for those?? She not a doctor. A bank tell is all she phones. Has a shouting match yelling at telling me how thinks work umm not sure with strong harsh accent I might know a lot more than who they are hiring to attack Canadian born people. Get real. This is the person: Here info Nikki K **.

Have a wedding to go to and needed $50 bills for tip envelops. Realized I didn't have enough of the bills at about 1240 on a Saturday (banks close at 1pm) and the nearest bank was a TD down the block in Rockaway, NJ. After waiting in line for 10 minutes, I explained that I needed 50s for gift envelopes and presented $250, the cashier asked if I was a customer and I was honest that I was not. She said she wouldn't exchange the bills. I explained again it was for gifts to no good. Not helpful or understanding staff.

**Avoid Getting Your Money Trapped in TD Bank Fixed Deposits**. I opened a small CD for my granddaughter for $2500. After it matured, I forgot to withdraw it within the 10-day grace period. When I realized the mistake, I called the bank, and they informed me that I could not encash the CD online and had to visit my branch in person. Unfortunately, I was not in the city where my branch is located, so my money is stuck with them, doing nothing. I will need to wait until I return home to withdraw it and also pay a penalty. Luckily, my amount is small, but I learned a lesson.

Asked to have account closed when balance was zero. They did not do it, waited and got me with fees and didn’t close account. Now they want more money!! I have filed complaints with BBB and AG office and Consumer Affairs. They need to be closed!

Worse bank ever. Don’t even get gift card from this bank because if the other person don’t use it your money will go waste. Worse customer service and response are horrible. The card still valid till 11/24 but bank took all my money saying that because I didn’t use it they will take my money.

Gross incompetence doesn't even begin to explain how awful they are. They have broken systems. A help line that offers to call you back, then it calls you back every 15 minutes and hangs up on you. An account verification system to transfer money to another bank - which requires two tiny (self-cancelling) transactions (put in $0.15, take out $0.15, then put in $0.10, take out $0.10) - and it never does the second transaction, and fails to establish the link to the other bank because two transactions weren't done. And bank staff who look very concerned - but actually don't care at all. Why should it take 3 separate visits to the local branch to get checks for our account ordered? And each time we were told "They've been ordered.. No problem!" - and they never were. The bank sucks eggs. I'd suggest taking your money elsewhere.

Here I would like to report a worst banking experience at TD. I requested a checkbook. After two weeks’ waiting, it seemed TD customer service person at the branch never placed my order. I ordered new checks again at the bank branch and didn’t receive anything after 3 weeks. Now I’m living in another state and talked to a TD supervisor Bill (he refused to disclose his job code or last name). Bill recommended me to fly back to that branch to request checkbook. What a ridiculous bank and it’s like a joke. I will close my TD account and will never want to deal with these guys anymore, period! Brian

TD Bank… HAVE YOU LOST YOUR MIND?? I sent my husband to the Dixwell Ave. Hamden CT location today to deposit $700 IN CASH into my checking account through the drive-thru. They wanted him to fill a form out with the following information:

Very poor customer service at the Rte 27 Princeton branch. Inexperienced tellers who have no idea of banking. I am small business owner located a block away from this branch. Almost every time I go to make a deposit, either their cash counting machines not in working state or just 1 teller helping customers. Long wait. Just today I had been to the branch twice. On the second time, I was greeted but asked to wait when there was a teller available. I was then asked to go and see him. I can understand if the teller was busy but it wasn’t the case. I have been a long time premier customer of TD. Shame on TD.

The most unprofessional service I've ever received. Account was closed without any explanation. No fraudulent charges or anything on my account. No knowledge of any wrong doings or no verification process, bank teller do not ask for ID. So anyone can easily make fraudulent charges or withdrawals and they will blame you for unlawful transactions. Closed my account and held my money, with no explanation of why. This is the worse bank I've ever tried to bank with.

I would not recommend TD bank to anyone. I am a single mother who doesn't make a lot of money. I've had them freeze my account and hold government assistance money because they thought there was fraudulent activity. They've done it three times and every time it's proven not to be true. In the meantime I'm getting charges for late payments because they won't release any money. It is also illegal to hold government assistance but I had to get a lawyer to inform them of that fact before they would release it. I finally closed my accounts and went to another bank.

TD Bank is the most IN-convenient bank… Everything is difficult. My account was blocked over a $25 purchase, then when I called, I was told that I had to go into an actual bank in person to have it unblocked… Not very convenient. This bank offers nothing and there is no reason to have an account with them. Service in the bank is equally awful. Don’t use TD Bank under any circumstance.

We've had nothing but trouble with this bank Trying to make payments that are returned and then late fees are charged. After hours on the phone with no resolution I'm contacting a lawyer now to get out of this bank completely. There's something seriously wrong with their accounting and their website. As far as I'm concerned, they're ripping off their consumers With their inadequate customer service and resolution. They couldn't locate my account number FOR ASHLEY so they sent the money back to the bank and then charged me a twenty five dollar late fee. Hours and hours on the phone and no resolution.

The worst bank of all time. I tried closing my account, but they didn’t, and they kept charging monthly maintenance fees for no balance. TD Bank is a scam! Be really careful if considering to open an account with them.

Beware of TD Auto and Home Insurance! I had a terrible experience with TD Auto and Home Insurance. Despite paying $1600 upfront, they canceled my policy due to two missed payments—payments they never informed me about and sent to my old address. Their complete lack of leniency left me without auto insurance and with two policy cancellations on my record. Think twice before choosing TD Auto and Home Insurance.

Are their ANY Banks that care about the Customer?? I left my other bank because they were tyrants and moved to TD. Almost immediately after I changed banks they closed that branch. Now I have to drive much further. Interestingly enough I had only used my debit card to identify myself at the bank, NOWHERE else and my card was hacked. I have since had multiple customer service issues with the bank and quite frankly no one seems to care. Are there ANY decent banks out there????

Horrible customer service. They changed their entire online system, forced their customers to change their log in information which still didn't work, got locked out of my account, and whenever I called, I waited 25 minutes plus and could never get a hold of anyone. I finally got a hold of a representative and was denied the late fee waiver since I used one months ago, despite only being 6 days late and them changing the entire system. Never mind the fact that I've called every day the last week during their office hours with no one answering. They don't even have an email. I've been making payments for well over a year and this is the service I was provided. I will never give this company my business again.

The worst TD bank branch which has the worst employees. The TD branch located on 2131 46th Ave Long Island City, NY 11101 is troubled bank that needs an overhaul hiring entirely new employees. The present employees, namely **, ** and ** are atrocious. They provide deplorable, incompetent “service” and TD corporate needs to clean house and replace them with better employees. TD is going to lose accounts if they don’t hire skilled, intelligent, competent employees.

Same as everyone else: did Samsung phone financing, TD Bank locked me out of my account intentionally (I have password manager that logs me in normally). Then told me to call to reset account. Can't reach a single person after an hour on hold. They don't recognize my number, yada yada... Nobody does anything. Zero regulatory action against this criminal enterprise.

Samsung Credit migrated its customers to TD platform. Unfortunately, TD did not migrated the UI/PW to their platform. Went to login to my Samsung Credit account, but it is not working. I called TD's support line, waited 80min and then got disconnected. Called again 55 min wait and disconnect again. This bank is awful.

Have account with TD for almost two years, all the time info is placed are wrong. Anytime I am calling to solve one issue adding other issue because the employees did not enter the correct info, or not saying the the best to solve the issue. They are wasting the Client time by phone or sending them to branch and in TD Branch they sent them to online calling. Call TD night management are not solving any issue. I will change my bank, they will lose the good client.

A super nice lady helped me out after 100 other employees had no sympathy at all. Thank God for that woman. What a beautiful individual. If TD Bank finds out who she is GIVE HER A RAISE AND ALSO A HIGHER POSITION. SHE KNOWS WHAT CUSTOMER SEVICE IS.

We usually go to Asbury Ave Tinton Falls, they are extremely helpful and nice. But unfortunately, we had to go to TD Bank in Neptune today... The manager Tracey ** is a bitter older woman who I hope I never encounter again. She's rude and short with her answers and assumes without asking. She must be a helluva worker because it can possibly be her personality or her mannerism that landed her as a manager. She doesn't have to smile but don't frown as she did and I can understand old and bitter but she takes it to a new level. We have been with TD Bank for 15 plus years and are spotless customers, this is our first complaint. Please give this woman a crash course on how to treat others or send her on a vacation so she can try to get herself together.

This supervisor ** at 155 Broadway Salem, NH needs to receive disciplinary action for her lack of professional, misuse of conduct. She flat out out needs to go elsewhere, somewhere that doesn't involve people or businesses skills. This is an embarrassments to our local community and TD Bank; it was the worst I have ever experienced. Fortunately there was a new staff who observed what I went through. She was fantastic.

A bad customer service by the branch officials of TD Bank located at 1582 Bank Street Ottawa. Submitted an application form for Direct Investment Transfer account a week before, they just need to stamp it and fax it to the TD Direct investment, still branch officials have not submitted it. Now they (the Manager) is saying she is not finding my form. She is saying contact to Direct Investment. I talked with them couple of times, they confirm that they have not received it yet. It's a kind of harassment. What a bad experience.

Worst experience ever. The North Charleston branch is full of people that don't know how to do the job. They lie to you. April and Zachary ** are the biggest ones. They will tell you what you want to hear to open an account and take your money.

When I first got TD I thought they were awesome. Until about 7 months in, my card was skimmed. Not sure if it was a POS, fuel pump, or however else people do that. Skimmer got $650 of my money and the bank took all of 2 days to investigate before denying me any kind of provision or solution. I know using your PIN number anywhere nowadays is sketchy, but it's a debit card, sometimes I have to enter my PIN. However, the lack of effort and the lack of help from the people who work at TD, I am now out $650 and was told I will not get any of it back. Closing my account asap. 0 stars. Would never recommend.

TD Bank is working in concert with Raymour Flanigan to foist loans on people by lying about the terms of the loans. When I complained to TD Bank they had me file a formal complaint to which they ran a fake investigation claiming that they had records that I provided a fake address. I asked to see the records and they said they had no such records, which I knew beforehand because I did not give a false address.

One of worse bank in USA on my personal experience. Why we used this types of garbage bank in main city?? I never refer this bank for my family and friends. Please don’t trust this bank offer by mail or email.

Called to report that their app’s bill pay reverts back to the previous amount if you try and change it. Called twice. First operator starts asking me questions as if she wasn’t looking at my account. Second operator told me I had to delete the entire bill pay entry and renter the information. Acted annoyed that I was reporting an issue with their app that had cost me $200 in late fees. Ask me if I wanted to call their partner who developed the app. I said it’s your partner and your job.

Canada Trust punishes Canadian citizens who are abroad or in their country of birth by closing their bank account and removing their right to access their money. If you lose your card abroad, they lie that they will send you the card, then when you call them to say you haven't received it after waiting many days, they tell you that your account is closed and to call the government of Canada...? You can't access your money and become the property of the bank. What bank in the world treats its customers like this???

Worst bank in history. Fraud bank. They are deducting money without any reason from your account. I have been calling them from past 3 months visiting their branch asking why they deduct money from my bank. They are not telling anything and fooling us. This bank should close. Can you imagine bank itself is withdrawing money from your account. 3rd class bank. Employees are so rude, manner less. They know nothing. I wish I could do something to close this bank.

TD Bank services are delayed without any information or notice despite of information provided by their Customer Service to be delivered on certain date which is wrong and you are left with no solution..Have to suffer losses because of their delayed services and misguided information. Really disappointed..

To whom it may concern as well as new customers to the Branch at Market Street in Newark New Jersey: I would like to share my horrible experience as a customer regarding to the Manager at that Branch. This person is the rudeness, bias, unhelpful, arrogant and very unprofessional regarding the bank’s customers and their needs. Even though I have provided all the ID’s necessary to complete my transaction, this guy starts to profiling myself because my Drive license’s picture I was wearing a beard and now I not anymore furthermore asking personal information aloud implying that I was doing something wrong regarding my own money. Abruptly he told me that I was not allowed to complete my transaction (Getting a new Debit card) and I had to wait the new card through mail which would’ve taken several days. Moreover, I had the bank’s App open right in front of him showing that the account was mine without prevail.

Absolutely poorly operated with very outdated website and payment services. Poor customer service who will make changes to your account without any notice or explanation. I have paperless billing and they stated something was mailed to me which I have yet to receive.

It was the worst experience ever. Barrie, Ardagh branch Financial advisers were not helpful at all. Abysmal communication and poor customer service. I felt so frustrated for being a customer of this branch. They should take more educational courses to handle customers properly. Very Poor service.

I would like to know how I am in TD Bank in America an english speaking country and I come in td bank and two employees don't speak a word of english. How is that. Unreal I understand that we live in a country where a lot of languages are spoken with english being primary. English is primary. Should not walk into an establishment and not be understood. That's crazy.

I feel really bad about my first review of TD Bank. It was not their fault entirely. It was part mine as well. I was frustrated and waiting for days on end for the money sent. I was stuck on the side of the road 1500 miles away from my home. I tried and tried getting help from customer support. Once I started using my common sense. LOL I called my branch manager. It was immediately taken care of. I should have done it from the very beginning. I was calling customer support and very frustrated with them. I sure wish they turned around and told me to call my branch manager. It would have been handled immediately.

They say they open at 9 but twice I had to wait at the door until 10, and twice until 9.30. Terrible waste of my time. No respect for people's busy life. I'm referring to the one on Sherbrooke rd but I'm pretty sure all the branches are bad.

Awful customer service. What kind of bank is this when they never answer the phone. I have called many times because I had a question about a letter they sent me. I was confused by the letter and tried numerous times to call. But no one ever picked up. They have about 3 people sitting at desk with phones and still no one picks up. I wasn't well so I couldn't go to the bank. What kind of place is this that they never pick up the phone. I wish I never opened an account here and will probably close my account.

Stay clear of TD Bank. They are the worst ever. Worst customer service. Fraud department is ridiculous. I phoned and asked if I could deposit a check that was given to me and endorsed on the back. I was told yes I could. The next day my account was frozen. My debit card was declined. The rep advised me that I could not depot a cheque like that online. I explained I called in an asked, she could care less. The check was being held for five days, which I was OK with and also had the funds to cover. Then she decides that she’s going to stop the check and have it returned and transaction voided. Terrible bank. I was also advised as an impersonation attempt on my account. I happen to have records of the day and it was me in the bank doing banking. They also shut down my account for this as well. I have to use a bank card a four digit passcode, a verbal passcode just to do banking. It has been the worst experience ever dealing with this bank. I will be closing my account and moving my funds.

TD Bank continues to fail in compliance with wire transfers. They accepted a wire transfer with the wrong account name and the money was kept in that wrong account until they issued a check to the wrong account holder. They should’ve returned the wire to the original source. Additionally that wrong account had a default value of $365, which was covered by the wrong wire. Now it’s been four month and I haven’t received my money back. They claim it’s in the fraud investigation department but there has been no updates since the first time I initiated the complaint which was on January 17, 2024. All TD bank had to do is to reverse the wire transfer to the original source and they didn’t.

America's Most Convenient bank is actually America's most difficult and disappointing bank. Here is why: I opened the account online. The long disclosures were in a small window that could not be made full screen. It was so unpleasant to scroll through and read that I assumed it was standard bank stuff and just agreed. I think that is what they wanted. And it was a BIG Mistake. I followed the prompts that helped me identify the type of account to open. They steered me to the worst account I could have created, which I found out when I visited the branch to fund the account.

After 22 years being a customer of this bank, I am no longer, I will be closing my accounts asap. They jerked me around submitting a ridiculous amount of paperwork on a home equity loan, only to be denied the DAY BEFORE we were supposed to close. Want to know why? They wanted me to pay the $45,000 to replace the roof and install retaining walls, WHICH WAS THE STATED MAIN PURPOSE OF THE LOAN FROM DAY ONE! One of the account managers eve called and informed us that we were "perfect borrowers, with excellent credit, great equity, and great income"!! Don't waste your time with this bank, they are absurd. I was able to secure my loan with a local credit union with half the time and paperwork, and much better service. BEWARE!

I have the worst experience in my life dealing with this bank. My issues were never dealt with correctly, never received closure. Each conversation I had with a customer representative I was told something different and incorrect. Next conversation I was told something different. I had no repeat my issue each time and there was no details of any past conversations so I was starting over each time. It's a year later dealing with same issue, and that issue has now doubled into a larger mess than before. I would run from this bank if you are considering them. It has been the worst financial situation I ever made. Truly terrible experience from the beginning. Choose a much better option. Do not consider TD Bank to value you as customer as they are incapable of solving issues and in my case will increase your issues and lower your credit standing.

Luckily I called them. Their system wasn’t working for past few weeks and when I looked into it they were charging me 30% interest on my card and I called them up and I said, "Hey wait a minute here. Supposed to be 0%. Why is it 30%?" "Oh it’s for balance transfer only. We can Google it." I said, "No. You send me in the mail showing 0% on purchase and balance transfer." The employees trying to argue about it I’m lying. This is the second time it happened so I just paid that off the credit card and I told her never ever send me another crap in my mail with your lying Promotion.

TD offered a saving plan with cash bonus and said the bonus will be deposited into your account by Feb 29, 2024. I have been confirmed that my account was qualified. No money given by the due date. I called them on Mar 1, told me to wait a few days due to the high volume until Mar 6. No money given again. I called again on Mar 7, no answers, told me it would be escalated, and should receive the money by the follow Thursday, which goes to Mar 14. No money again. I called in on Mar. 15, told me it has been approved. It should be given by the end of March.

I get an e mail from Samsung that will give you a great deal on a s24 ultra. Free 0% interest for 24 months, so I figured I'd do that. I applied and figured things would be fine... I have a 796 credit score, no late payments, and don't have a lot of debt... NOPE I was denied. I called the number that they sent and the lady that answered was rude and dismissive. By far the worst bank I've ever dealt with and apparently I am not the only one. You risk damaging your credit report for a bank that is rude and denies people with excellent credit. Horrible place to bank and I will never have anything to do with them.

We chose TD Bank because they had a great interest rate, but we're very sorry we did. No problem they said, you can qualify easily with your one income and low debt. They then said we need the other income, so we provided it. Then they said you need to pay down more debt, so we did. Then we need this paperwork. So we sent it. Then they wanted paperwork we already sent. We sent it again. Then they said we needed to put more down because our taxes would be x dollars. We said no way, it should be about 1/3 of that and sent them proof, but they would not budge. So we put more down. We closed. Taxes are indeed 1/3 of what they said. Tried to change address to new address. They couldn't figure out how to do that. Took three tries. Then they said you don't have insurance. We sent proof three times. They still said you have no insurance. Now straightening that out...Nothing but one headache after another! DO NOT USE THIS BANK FOR A CONSTRUCTION LOAN OR MORTGAGE unless you enjoy constantly having to deal with massive headaches!

I have over $600K in my new account and I just learned that the only way to get the advertised 4% interest is to carry out 3 stupid transactions in my checking account such as withdrawing $20 three times in the same month. Are they kidding me? I was expecting $2000 in interest and they paid me at $25. This seems illegal and fraudulent - I rely on my interest for my retirement income. Considering taking legal action. I disputed this in person at my TD branch and they told me I need to wait 2 weeks for an answer. Time to find a different bank!

Is it even legal to charge your customers $5 for a money order? Most places only charge $1 or even give it to you for free, I'll have to use my other bank Chase. This has got to be one of the highest charges I've ever seen. :(

Kishan extended an excellent service on Friday Feb 23rd and took all the initiative to help resolve my small business account reopening. He patiently wrote an email with all my concerns and assured me that I will have a call back from the Business Advisor. It was an issue which persisted since Nov 2023 and not even the online banking services could help me on this which was disconcerting. Good Job Kishan. It nice to walk in to your home branch and approach efficient and pleasing Representatives like Kishan.

A week after previously changing $40 money to smaller denominations for a school activity, TD Bank decided to change their policy and no longer provide this customer service to non-members. I was under the impression that all banks would provide this convenience since the amount of money held by the bank isn't changing when converting to smaller denominations. It is extremely sad to see such a simple convenience being taken away.

I've been a customer for over 10 years. About 5 years ago, I cut back the business I was doing with them after a large amount of hassle they gave me over a mortgage application. This was followed by unexpected freezing of my accounts when a transaction didn't clear from one account to another. Another time, they froze my checking account after I deposited a check via one of their machines. There was nothing wrong with the check, their machine screwed up the transaction.

Don't ever use this bank. The customer service and the people there are complete idiots. And you have to wait 6 days now to have a check cleared which is absurd. I deposited to check on Friday. Every check that I've ever deposited on Friday has always cleared the following day. I just did that again and now I have a 6 day. Hold on both checks, this is absolutely ridiculous. And don't ever ever ever ever ever open an account with TD Bank, They told me that they would have this fixed by 4 o'clock on Saturday. I still have my funds on hold and I have to wait 6 business days for my check to clear and I put it in yesterday, and it's showing as deposited today. This is absolutely ridiculous. Stay away from this bank.

I was at the 178 Main St. New Britain Ct branch to get some service at the tellers. One teller was working. We were 4 then 5 people in line. While 2 employees were chatting comfortably behind us. It took 15 minutes before one of them came to help us. I turned back a few times and gave them an SOS look, but they did not care at all.

I have a bank account with them. Besides doing mistakes all the time, I am not able to access my business account online. Every application was rejected. Their own people applied and I am still unable to access my business account online!!! Trying to get help by phone, they started asking me all kind of stupid questions about my husband's son and his wife. THEY ARE NOT MY FAMILY AND MY BUSINESS!!!!

I was in-branch recently to cash checks and the first question I was asked by the female bank teller was 'where did you get these checks?' As a professional and a decades-long customer of TD, I had never been asked that question! The teller turned to the branch manager, who was sitting at his desk 6-7 feet behind her, and in front of me the branch manager went to extensively investigate the checks (they were from very legitimate organizations based in Toronto, one from a major law firm). He never even looked up at me and went laboriously with his investigation. Of course, there was nothing wrong with the checks (or me) and the job got done. There's more I could say, but no need to. What a vulgar way to treat their own customers. No discretion, no manners, and certainly no finesse. If you're for a bank, do yourself a favour and avoid TD Bank at all costs.

TD Bank is the most frustrating bank I have ever had to deal with. I have been a customer since 2016 and an employee for over a year as a Easy-line Call Specialist. I've given this bank many of tries to redeem themselves. I'm over it and making my story public. During this time working for TD I suffered from severe depression and mental exhaustion. It was one of the worst jobs I've ever had to work for because of the pressure and restrictions they put on their call agents. Did TD do anything to help with it... NO. On top of this their banking services aren't much better to experience. I've spent countless hours and money call abroad over the phone unlocking my cards and online account. This bank is not user friendly for those who live abroad in other countries. TD bank has caused me so much distress in less then 10 years and I've had enough of it. I certainly don't want others to endure the experiences I've had to go through.

2nd January 2024 deposited my closing balance and they charge 3 months interest. Not happy banking with Td bank moving my account to different bank. Although I enquire about closing my mortgage and they suggested me to go to the bank on 2nd January and mortgage got automatically renewed on 1st January. Bank was closed on 1st. I ask them to waive the fee and they hold my balance for 20 days. No response from them. At last I have to say yes with charge of 3 months interest which was $363 and on 2nd Jan. When I deposit the balance of my mortgage the interest was $ 300.

And once again I am in a line up that stretches out the door. Only two cashiers on duty. Supervisor is chatting and should get off her chair and get this line moving. They removed the business line up so I could just deposit cheques and get back to work. I am guaranteed to be here an hour for less than 3 minutes of business. Last time I complained to the cashier and asked for a call back. Didn't even have the courtesy to do that. Poor customer service DT!

Their service has dropped dramatically the past few years. Not only do they have a small network of ATMs. They now charge a 3$ non TD ATM fee. Their customer service is severely lacking. They also are slow to approve new credit limits

Met a teller- Sandra **. Very rude, obnoxious; don't be deceived; she acts like she's the branch manager; she spells badly; won't look into your account; won't take your ID; just will tell you that you can't get your money; she's dangerous to TD; she drives customers away. Location: Columbia Square New West BC

I called from Venice to TD helpline, waited 49 min first time and the support dropped the call after verifying. 2nd call I waited on line for 1 hr and 27 minutes but no one picked told me I was on first row. TD never care for their customers. I do not know if they really have some system to check for so long holds. Cut short I will advise all if you travel and need some emergency help you CANNOT TRUST TD. Worst Service I ever saw in my entire life. Feel that they do not care for us.

The bank hold for 6 days a check coming from another personal account that I have at Sabadell bank. Sabadell bank confirmed they release the funds the day after but TD Bank kept the money for no reason. The $150k was to cover a credit line that is paying high interest rates. They kept charging interest on the credit line while they also get interest for keeping the money on hold. How can this be legal?

This company is not the most convenient bank, their bureaucratic system is unbelievable, managers that work there can't even get in touch with people to make decisions. I took out a line of credit then cancelled it. They charged me every year for 3 years and trying to get the credit for it was impossible. Eventually I did after months of hounding them and showing up at the branch. They should be paying me. 15 years I was with them with 2 businesses. They are trash. I was demarketed, kicked out of the bank because I was selling CBD lotion, no warning, no nothing. I had to remove my cd's or they could have disappeared, yet I still get notices from the credit cards and it's been over a year, there is nothing on my cc and closed them out. They have wasted many hours of my life. They are trash. I even bought an IRA and was promised my person wouldn't bail after I was demarketed, guess what, yeah, he was forced to bail.

Saumya is my favorite, she explains every single detail. Shanoya is a wonderful listener, I like her service the very first day I met her. Ali too was very nice and patient. The people at Argentina Road TD Bank are very nice.

Their reps know nothing. No idea how to pull bank account. They also always hang up. They waste your time and again know nothing. No idea why they don't train their people better. Just go to the bank if you have any major issues. These people will just frustrate the hell out of you.

By far has been the worst experience ever! TD Bank closed my account with a lot of money sitting in there just to have to send me a check for my money and that was 3 weeks ago and I still haven’t received anything. I haven’t been able to pay any bills, do anything I need to do because all my money was in my bank account and the only thing they could tell me was that they’re very sorry! The worst bank and representatives ever!

You can only pay with a checking account as well so their payment options are very limited. It's easy to see it's designed this way for the customer to encounter as many problems as possible for these fees to occur.

The worst bank I've ever dealt with. They do not care about customers. All they care about is blocking your cards when you try to make transactions with foreign businesses - whether you're in or outside the US. They say it's a "fraud" and won't allow you to use your money if you don't have a US phone number while you're in another country - to verify every other transaction you make. And they say that they can only do it by sending an "SMS code" to that US phone of yours that may not even be in service. Which is a lie because I once had a supervisor verifying me with three third-party questions.

I had a credit card with another company that was bought out by TD Bank. They issued me a new credit card without my consent. I didn't know about it until I got a bill from the annual fee. I paid the fee and canceled it but then it wasn't really canceled and accrued fees for another year. I called and paid it off and tried to cancel it again but the call was dropped while waiting for customer service.

Have to go to third parties to pay bill when system is down almost always. Online services so hard to set up. No bilingual employees. Use translator. Makes it hard to understand. Set up automatic payment. Impossible transfer and transfer. Just to say it not possible. At that time.

Needed to get transfer of equity completed… my father passed away and my family and I wanted to pay off father’s loan but TD Bank wouldn’t approve application for transfer. Offered to provide them with additional paperwork stating that I was eligible to apply for transfer of equity, according to executor of the estate, and offered to provide them with documentation affirming that. Team members were rude and refused to assist me, Davenport, when I called over a month later. My family has paid over $60,000 to them within a month’s time and I have received loan to pay remaining balance but they have denied my application. This company has been a disappointment and not empathetic during this most difficult time. I would suggest that consumers take your business elsewhere.

I am currently working abroad and lost access to my phone number due to moving to a different country. I had saved access on one device but without notice, I lost access to my account and NEED OTP code. After several disappointing calls (service reps hanging up, rude reps, sleepless nights due to 15 hrs time difference). Customer service is able to access my account, confirm my identity, and view all my transactions. I am told I can not change my phone number to get OTP and they can't help me complete transfers or any other services I require. According to them, I have to come into a branch!!!! I am banking with 2 other banks in different countries and they were more than happy to help, unfortunately, TD is my home country bank and I couldn't just stop dealing with them.

This bank has completely dropped off. I have been banking with them for 20 years!! Not anymore! They held a check for almost 2 weeks and said it was for my protection!!! It was suppose to be 6 days. I get the same check from same person and it would clear overnight. They are doing shady things with our money!! They are a bunch of commies too!! I can not wait to go shut down with them tmr!! Losers.

Needed to cash Savings bonds, which this bank did, They had me fill out the bonds, to find I had to have a debit card, although I said I didn't have an account with this bank. They cashed, but kept 25% of the $. Why? Bc the Feds won't back the bonds? Who knows. They held my $ hostage for 6 months. Finally closed account today, got my $, only to find they deducted $1. I couldn't be bothered to fight them anymore, Thank you for the experience of the Worst Bank EVER looks like.

This bank is awful. Went to deposit some checks with my 97 year old mom, they want to text her cell phone, my mom does not know how to use a cell phone. Do not bank here. So her state I’d and bank card was not enough to deposit two checks. This bank is awful.

The company needs to survey each rep after each call like many others do. The rep at the call center seemed she just woke up at 7:45 a.m. on Saturday 10/28/23. After a long hold, this rep got on the line and did not say a word for a few seconds. I had to wake her up by saying "hello" three times. Many times she will not acknowledge the response given to her like she didn't even hear it. I had to asked her to confirm that she heard it. And she had an attitude by not wanting to answer certain questions about my account and implying I should know from the online access. I could tell from her accent, she is an **. She is worst than the 3rd world call center rep. It's not even a training issue, she really needs a career adjustment.

TD Bank's Customer Service was not able to assist with my request. I called several times, got different answers every time. No one on their staff or their managers were able tell me what needs to be done to get the request processed. I was basically told I was out of luck, "There is nothing else we can do to assist you." I was also denied being escalated to managers upon request several times. I have filed complaints through several other channels and after review of Regulation X it appears that they are in violation of it (12 CFR Part 1024 - Real Estate Settlement Procedures Act - Regulation X).

The customer service department is full of inexperienced people, they should be working in a factory, I stayed more than one hour just to request to receive a monthly statement. I don’t recommend this bank not even to my enemies.

Stay away from online support, unless you have an hour to wait to get someone and then go through the 9 step verification process of trying to order dinner for my family on a Saturday evening and having it delivered!

My wife uses TD Bank for business checking. We traveled for business, and she notified the TD Bank Fraud Department that we would be going to Miami and making large charges on the account. When we returned, we saw that the account had been frozen by TD Bank, with no explanation. They never called her or messaged her to confirm anything. She found out when when she tried to login, and the website said her account was frozen and she had to drive into a branch in person. She was forced to drive to a branch and explain herself in person to a local branch manager.

This bank is so far to the left, it's sad. All these promotions you have to listen to and sneaky marketing tactics, before the 1800 line answers. I've switched my savings/investments to RBC, whom actually do help you and are not into all these promotions. Plus TD internet is so slow in Canada, because of the internet overload here. Like they use dial up. Mental stress from this bank.

They hold my check for 14 days and kept lying to me, saying in two hours, after sometime I deposited it, I was really not happy with how they do business and that was not cool at all, given that I made several calls, addressing the issue and their employees kept giving me a different story, every time I called.

I moved from New Jersey to California and now cannot do much personal banking online with TD. My experience was Ok when I lived in NJ, but since there are no branches in California there are few banking options. I needed to wire transfer money and I could not do online with TD, as they told me I needed to do from a branch (there are no branches in California). I went to deposit a check on their mobile app. It was $200 over their mobile app limit, and they said the only way I can deposit the check was to go to a TD branch. Again, no branches in California. Thanks for nothing TD. Please change your motto to America's Most Inconvenient Bank. Avoid the stress and do not bank at TD!

Back in May I got fraud.. I made a claim it was denied. The fraud kept on happen till July. I made another claim and got denied. Ok .. But all am asking them is where does the $6000 have gone to. They keep denying my claim but they are not answering my questions. They keep saying I shared my information with someone or I left my card unattended. How?? All I want to know is where is the money going and if they can't protect my money then I will get it from the place it's going. I have been fighting with them since MAY. I am not going to stop till I get answers.

In 2004 I opened what I thought was a savings account for my grandson. Today I went with my grandson to withdraw some funds from that account to find the initial deposit of 800 was now 785.14. There wasn't any withdrawals, and they provided a printout indicating an interest of 3 cents per month. They indicated their records didn't go back further than eight years, and they couldn't explain where the money went. Where is the accountability, and the pathetic interest given. After talking to the branch manager, she could see I was extremely upset and agreed to credit the fifteen dollars. This doesn't account for the pathetic interest. TD should be ashamed.

I asked for a personal loan and I have rejected because this bank don't have office at the Georgia state. But they provided to me in the past a car loan. I just don't understand how business conducted of this bank. Please be aware of them. Not good. Bad experience.

TD Bank prides itself on offering exceptional customer service. YEAH RIGHT! These customer reps do nothing more than read a script. It is RARE that you get someone who will actually help you. I travel frequently, and oftentimes, I change my phone number for a sim card in the country I am in, or sometimes my phone breaks. Trying to log in to TD Bank can be a HUGE headache when this happens.

Do not make this your bank. I have been with TD for ten years now. Account security and customer service alone deserve less than one star. My card has been locked on several occasions without my consent or knowledge and customer service representatives are useless in helping other than to tell you to get a new card or to try one of their new Fail-Safe security systems so that this "never happens again." Insist you sign up for messages that will notify you immediately when there's fraudulent activity in your account only for them to never notify you. Disgusted is an understatement.

My experience with TD is as a bookkeeper for a non-profit sport club. The three signers for the club had to register together, in-person even if they had done so the previous year. This process took three visits because the bank personnel didn't have all the documents ready to sign. (Does TD give their least experienced employees this task?) Also obtaining online access to the account took four months for a new treasurer, and then only that one person had access to view the account and download statements. When the next new treasurer did not go through this tedious process, it became impossible to view the account, or obtain statements, at all. At one point a bank employee promised to mail the statements to the club (as had been done in the past) but that never happened. My advice to any non-profit organization is DON'T BANK at TD!

I have a HLOC with TD Bank for a few years now. I had paid off my loan in full but a month after they claimed that I still owed a balance. I was not aware of this as I thought I had paid the loan in full. So my account started to get past due "without my knowledge" and 2 days after it was due they reported a late payment on my credit report. "2 DAYS???".. 42 days late I received a notice in the mail they were going to foreclose on my property if I did not pay... So I paid off the remaining balance immediately as I have had perfect credit for 32 years with zero late payment.. I did a quick check on my credit today and realized it had dropped considerably because of this.. They said they called but never left a VM or sent me any notices outside of the one I received at 42 days.. I have banked with many banks in my day but never have I experienced anything like this.. I have called and canceled my HLOC and with NEVER bank with TD Bank again, ever...

No mortgage statements or details online to view. You can only see the account number and loan amount remaining. This is problematic when you have money in escrow/taxes. They still rely on paper copies to be sent to the home. They assumed my mortgage, so most of us don't get to pick the mortgage servicer that eventually ends up with the loan.

I was on a call with customer service representative who got belligerent with me. She proceeded to freeze my account, and claim fraud, where there was none. So, all of my money has been frozen for a week. I am Disabled, and now have no money for my food or medicines, thanks to them! Please beware and do not do business with a fraudulent organization such as this, which is TD Bank!

After participating and using the app I did not get the discount promised. I spoke with 2 representatives of TD Bank and no one could show me in my new policy where is the discount. I went through the policy with them and compared the amounts from each coverage of both policies and the discount was not present there. He told me that the discount was there but he was not able to find it. Also, he told me that the discount would be less because I had to deduct the amount that I was already receiving for just participating in the program. I asked him to show me where this information is written and he also could not show me. This program is a scam.

I am 10 years with this bank. Having excellent credit score. Working as a nurse with stable income. I have been waiting one and half month for the loan approval and after so many days of waiting and sending tons of papers they declined my application. I will stop working with this bank which I suggest others too.

Title: Extremely Disappointed with TD Bank's Lack of Communication and Poor Service. Rating: ⭐ I'm utterly disappointed with TD Bank's recent handling of my concerns. For 15 days, I've been met with complete silence regarding my inquiries, which is simply unacceptable. The Bank Contact Centre's efficiency leaves much to be desired, as it's evident that there's a dire need for improvement.

I opened an account with Samsung Financing which is run by TD Bank Retail Card Services for the purchase of a Samsung Refrigerator. What a mistake!!! Both companies are poorly run and have refused to do what is right. The refrigerator was damaged by the delivery drivers at delivery which I noted on the delivery ticket. I contacted Samsung to get the damaged panels for my refrigerator replace and Samsung said I have to call another number to get the panels replace. So we called the Samsung number and it stated, "This Samsung number will be no longer in services as on October 1st, 2022". This was Early to mid September mind you and the number was no longer in service weeks prior to 10/01. So we called the other customer service number to escalate the matter and every time we were directed to the out of service number. We even tried on-line chat and hours and hours on the phone to no avail.

They are NOT convenient, EXTREMELY incompetent EVERY time that you are REQUIRED to go to a branch whether it be for account issues or notary! Their online banking is constantly making mistakes in your account requiring you to repeatedly call or go to a branch! My primary bank is a different one with never an issue, TDBANK constant headache and problems! Please save yourself the problems! DO NOT deal with TDBANK. They are closing branches due to POOR business! Myself, Brother and Father are three that cancelled our accounts due to issues and POOR customer service! They also charge for everything.

I've been with TD for some time now so I decided to open a business account. I have garbage trucks and do garbage removal. I got paid by check. I deposited it. They said it's a bad check and shut all my accounts down. If that's the way they do business maybe it's for the best but it's totally uncalled for.

TERRIBLE BANK - TAKING ALL OF MY MONEY OUT ASAP. They are refusing to deposit a verified check from the sale of my home. I am 5 months pregnant, have a 9-month-old baby girl, and I am supposed to close on our new house on Monday. Without the funds, we cannot close. I am homeless. They do not care. The money has already been taken from the buyer's bank account, yet TD is holding it in limbo for 7 business days...making money off of my back. I have called over 10 times asking them to deposit the funds, and I was told that by the end of the business day each day it would be looked at. It has not. You can't even speak to someone in this "fraud department." It seems to me that TD are the fraudulent scammers. SO INCREDIBLY FRUSTRATED.

Don't use TD or Waterhouse for investment. They say that they give superior customer service but nothing could be further from the truth. They say their fees are lower but that is for a reason, they lack knowledge and experience and encourage you to do more trades so they make more money from the fees they charge.

The worst bank. Had a privacy and security breach and kicked out a whistleblower. Imagine how much they care about their customers. It is one of the worst banks in Canada, nothing good really, just expensive fees and peddling of the green.

I live in Thunder Bay and I visited the TD Bank Branch on Arthur Street-West. My problem was that I used an app- Taptap Send to send money internationally back home in Ghana, and the transfer had failed, but my money was not credited to me. There was a lady there named Karry. She looked after my case. Kerry from Thunder Bay, Ontario- TD branch on Arthur Street-West, was very kind, polite and extremely Patience, very competent and smart! Even at the time the bank was closing, she waited and made sure she printed all my evidences to file a dispute for me. Thank you so very much Karry for all your care and absolutely Great customer services. I was very happy you took over my case and made sure I was satisfied. All is greatly appreciated from the bottom of my heart. I was very depressed but your help made me feel so much better. God bless you Karry.

TD Bank is absolutely ridiculous. I'm a truck driver and during the pandemic I was so busy driving and getting supplies delivered all over America. My Red Card was set on autopay and since I couldn't manage my credit union I switched my payment to my other bank since they're nationwide. Unaware that it didn't apply for the current month my payment failed to post. TD Bank ended up putting 2 late payments on my account. I've written, called and filed a complaint with CFPB about this error. TD Bank refuses to rectify the entries. I had same issue with Kohl's and Walmart. They immediately fixed these late payments but TD Bank is so greedy and unfair they will not fix it no matter what. I can't wait to pay this account off and close it even though it's one of my oldest cards. I refuse to give them my business after this.

Fraudulent bank. Can't even be 2 seconds late on trying to bring account into the positive, during grace period. I've been pummeled with over 300 in overdraft fees within the past 4 weeks. TD is a horrible bank. And makes no exceptions after the 10:59 pm EST cut off time for the grace period. They've taken WAY too much of my money. I'm a ride share driver... I make my money throughout the day...continuously depositing varying amounts to my TD bank account, in order to RACE to get the money in there BEFORE 10:59 EST grace period ends. Lately, my final Rideshare ride has ended just ever so slightly beyond that grace period...which WOULD HAVE saved me from HUNDREDS of dollars in overdraft fees. But NOPE... TD doesn't care. All they want is to overdraft the ** out of customers, and take your money... Even if you bring your account in the positive 5 min after the grace period ends.

I opened my checking account in 2007, and later added my husband to the account. A week ago my husband compromised our accounts and had to report fraud. We went into the branch 5744 and closed our accounts and reopened new accounts. My husband was immediately issued a new debit but my name had to be 'added'. Here we are 3 days later and TD Bank is refusing to give me access to our money OR give me a new debit card.

I have a flyer in the mail for TD Bank promotion checking and saving account with over $500 bonus. I open and follow all the requirements but no bonus. This bank scammed me. I closed down my account. I will never bank again with TD bank. I would have given zero stars if I could. Beware of flyer through the mail.

I bought a Samsung Phone with 24 months equal payments but then minimal payment is set at the end - charging for late payment if does not meet minimal payments. This is fraudulence advertisement and it needs to be stopped.

I open promotion account with bonus. I open checking with direct deposit from work and saving with ten thousand deposit. NO Bonus receive as they promise. Banking personnel told me they accept deposit check from Employer but they later change. They said it has to be direct deposit. This bank doesn't do as they promise. I close down my account. Can't trust a bank that lie to its customer.

After taking 100's of checks from my best customer without ever having a problem today for no apparent reason they decided to put a 10 day hold on his check leaving me without funds to run my business.

Just got disconnected while being transferred. Problems today:

I have an account with TD for last 17 yrs. I know that it is a very nice bank. Recently I have so bad experience to share with you. I gave a cheque of 2K to someone about 1 yr 8 months ago from my TD account. It was not cashed out. Usually a cheque is valid for 6 months and then it is staled cheque. The bank should not honor the personal cheque after 6 months. But Td took away the money of 2k as the cheque deposited after 1 yr 8 months. When I talked or disputed regarding the cheque the trailer told me it would be back but after a few days they are saying that they will not return the money. I have all the documents regarding this. I don't know who to complain further but I think TD is not more safe in Canada in accounting. Thanks.

I am a small business I deposit checks into my TD account then they put a hold on the check for 7 days. They don’t care about I have to pay my workers and buy material. I say this to all consumers, stay away from this bank.

When TD was new to NY they would bend over backwards to prove how different they were to other banks (free pens, very late hours, dog biscuits), now that they are established and no longer need to kiss anyone's butt, they are showing their true colors. I simply wanted to update my phone number as the old one is no longer valid and that locks you out of your online account. She said my phone number could not be verified and as such she would not update my account. I would rather keep all my money under the mattress - they don't deserve my business.

We have a TD Bank home equity line of credit that we used to put in a new deck. One of our contractors deposited the incorrect amount on a check back in March 2022. 6 months later TD Bank went in and changed the amount and it went over our line of credit limit. First off, TD Bank told us we could never increase our line of credit limit without reapplying for a loan again from the beginning, yet when a contractor check is entered incorrectly, they have no hesitation in going over your line of credit and adding it to your bill.

IGNORE ALL OF THE WALLETHUB Reviews and all of the fake 5 star reviews. Those are paid reviews. I promise you, these companies will try to drown out real reviewers for an extra fool, I mean customer! Worst credit I have ever had in my life! They deliberately try their very best to ruin your credit so they can get late fees and other fees out you, they do not care about the well-being of anyone who is foolish enough to enroll with their credit lines, (Sadly I fell for it trying to get a Samsung phone) I should I have paid it off and not have to deal with them!

I have never missed a payment and noticed that I had a late fee. Set it aside to call before my next payment and since it took me one week too long to call, they had already charged me a second late fee. I never made a late payment!!!! I paid one payment 2 days before the new statement date and they counted it on the previous statement so they showed I missed a payment. Even after figuring out the issue, they could only “forgive one late fee per year.” I could accept that if there was EVER A LATE STATEMENT but there was not, just a company looking to rip off customers who pay their bills and are dependable…Never again will I use this card or company!!!!

Please note there are really only a handful of TD bank offices in the entire USA, and almost all are within walking distance of one another in Manhattan. I lost my cellphone number. Due to two-party authentication, they refused to help me, and locked my account. They tell me I must travel from Chicago to NYC to show a teller my driver's license. Now that's chutzpah.

TD reached out to me and I believe we will work together to find a resolution. Funds were released and I should be “home” soon.

I paid off the loan with TD Bank eight years ago. They never satisfied it from my title because of their mistake. For close to a month I’ve been trying to get proof for the title company that is paid and they’re being nothing but rude and unhelpful. I lost my buyer today because of them. Never do business with them because they do not care at all about their customers.