TD Bank Reviews

Despite signing up for online notifications, I received no notices that my bank accounts had dropped below the minimum required, leading me to be charge $40 maintenance fees for months. Then when I tried to get money into the accounts, there were delays due to their system. But I was told that even though I was trying to get money into THEIR bank, I would still be charged the fees. So instead of working with me and at least waiving one month of fees, I had to shut one account down and am in the middle of shutting the last one down. They are a bunch of criminals and forget about customer service.

Hello TD Bank, I used TD's services with a Rooms To Go account to purchase furniture. I made ALL my payments on time using autopay. In June 2021, my account was PAID IN FULL (see attached statement). A few months later I got an email about my account being delinquent. Again, this is for an account that was PAID IN FULL. Apparently, this shameful and disgraceful financial institution tried to charge a $1 to my account AFTER I switched banks (bank used for autopay was no longer there). Since your company could not get that $1.00 (illegal charge btw) they started slapping NFS, LATE, ETC. fees.

This company is absolutely the worst I have ever dealt with in my 44yrs on earth. I purchased a phone through them "Samsung All Goods". I was never sent any payment info and was not sure if it was billed directly through my phone bill. My notification came when I noticed a hit on my credit report and through Credit Karma I tracked down TD Bank as the company. That 1 was my fault. Then I set up auto pay and it failed to process another payment. Frustrated with the company I called in and asked what the entire balance was and was told an incorrect number leaving a balance of $130 on the account. They never call and go directly to pinging your credit report so I was hit again.

I had a devastating experience with TD and the customer support just throw me to the wolves like a discarded piece of garbage. And that is under the 'most convenient Bank' cover. I missed a 10$ late payment on a TD Credit card that I don't use normally and that was reported to the Credit Bureau and had a 100 points credit score drop. I paid the full balance the day after I found from Credit Bureau about the problem and called TD to ask for help thinking they could do something about it. All they told me was that I was trying to falsify my records by asking for help. When I told them they should warn their overdue clients somehow since they have all phone numbers and email information, I was told that is not TD's business. I guess their business is to screw their customers so they can charge higher interest. Having to go through such experience was traumatic. My only defense is to change the bank and never go back.

Do not open accounts with TD. My business Visa credit card is being charged every month and no one knows who is getting the money. I had to make 8 phone calls to TD customer care. The endless authentication process is excruciating despite being authenticated by the TD app. Spoke to Stephanie, Haris, Julia, Aman, Mira, Bithusha, Hanif in a single day and the manager Karen ** who was the worst. The service has not been provided. My credit card continues to be charged every month for some random "vendor".

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

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

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

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

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

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

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

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

I was traveling in Europe and my debit card was blocked. I was able to solve the problem in a few minutes with the help of Samantha, on the customer service phone. I am glad I was able to deal with such friendly and professional employee of TD BANK.

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

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

I requested a payment from a friend to send fund to a non-TD bank account on 4/30/2022. I gave him my email address (**). My friend reported there was a trouble to send by that email address. Then I did a test transfer from Chase, paying and receiving from that email address worked flawlessly. So I asked my friend to double check email address entered and try again. My friend reported the same error again. I asked my friend which bank he is using. My friend told me it was TD Bank. As I also had a TD Bank account. So I tried to use my TD Bank account to do the transaction. Surprisely, TD Bank locked my non-TD bank account email address (starting with **) in their system (not Zelle did).

I was looking to open a new checking and savings account, and came across TD Bank. I liked what I read and according to their website, they had a branch in Richmond VA. Great. I start the process online, but had a couple questions so I called their customer service. They were kind with helping me setup the account. They walked me through how to fund my account with my debit card from my current account, and explained that I could go to the branch on Broad St and pick up my debit. Since they said I'd have immediate access to my funds after picking up my debit card, I transferred all I had into opening a checking and savings account. Well, when I went to the location on Broad St, I was informed it was not a TD Bank, but TD Ameritrade. A completely different entity.

On June 13, 2022 I made an online transfer from my Chase checking account to my TD Bank Account. I have the trace number and proof from Chase they accepted it yet they are saying they do not. I have spent in excess of 10 hours and still I am out $2500. THIS BANK IS A SHAM AND STEAL MONEY. DO NOT BANK WITH THEM!!!!

The most horrible bank. The most horrible bank, don't let them fool you with start kindness even if they are never kind!! They will not protect you or your money ever!!!! From fraud or unintended purchases> the customer service is rude all the time and unhelpful always!!!! Find USA based bank instead that is what I did> much happier now.

Embarrassing, disappointing. 6 hours wait on the phone and agents drops the call. Couldn't be any worse, when you need TD Bank loss prevention dep help. Months to report loss. Embarrassing, disappointing.

After a few years having an account with TD bank I decided to close due to poor customer service, a woman who was helping me had a breakdown and started to insult me and yell, no manager or any of the employees did anything and push me outside. I went to another branch and asked the steps to follow to close the account, they said just get all your money and when is on 0, automatically it will be closed. 4 months later I received a letter charging $20 for overdraft. I called to 800 number, they can’t do anything, I should go in person to the branch, pay the fee and then, they will close it to further debits. I am traumatized just getting around that bank, don’t have any respect for the customers.

I've been a TD client for many years and they keep going backwards. Every time I use my card without fail they put a fraud alert. Even using it with my pincode. When I try to unlock it they make me wait 40 min on hold and then won't help because I'm overseas. I'm fed up with their backward policies. Bad fraud alerts and that I can make any type of transfers other than going into the branch. I'm leaving TD for good. Worst bank ever.

Full disclosure; I have not experienced a negative issue with this bank until (06/14/2022). Do not post date any check and expect TD Bank to honor it. If any post dated check is deposited before the date written on the check TD BANK WILL CLEAR IT THE DAY RECEIVED. This is against conventional wisdom. They expect people to recognize the later date and to not attempt to deposit the check. If the recipient of the check chooses to deposit the check EVEN BEFORE THE DATE WRITTEN ON SAID CHECK, the funds will be cleared for the next business day. TD Bank does not inform their patrons of this for some unknown reason. However I find this absolutely unacceptable and it leads to feelings of distrust and disappointment in the practice. I will be looking to bank elsewhere. I won't be waiting for a strike two or three. They have just lost a customer today.

I've started to take notice that TD Bank have very long hold on deposits. On several occasions the debtors' account has been cleared. I personal called the debtors to find out what is taken the checks so long to clear, they told me, "It's your bank." I have accounts at Capital One and Chase. Most of the time the hold time is about 24hrs. To further test my suspicion, I deposited one of my own personal checks from another bank into my TD bank account and just what I thought 7 days hold time. Oh, don't mentioned there's fee for everything. I will write another review on that.

I had requested for credit limit increase on my credit card and they took all my information and never get backed to me. Also, it will take hours and hours to connect to customer service. Worst service and worst bank I ever had in my life.

TD is scamming people from their money. They literally in a matter of seconds removed money from my account and had the nerve to tell me I was delusional when I called. That I did my math wrong. They are also rearranging everyone's transactions when you use a debit card. They move the transactions around so they can hit you with an overdraft fee. I am putting together all proof to show to a lawyer. TD you are toast.

Opened up two accounts in my name with my address and sent me bank statements and overdraft fees and a card that was not even activated.. I never heard of them.. They will not admit the scam or close accounts .. I have filed with BBB, FBI, FTC, and CFPB.. Fraud department tried to belittle me and convince me someone stole my identity which is a lie… They have been running this scam on thousands of people even though they paid millions recently in that class action suit.. Do not under any circumstances use this bank.. Whoever they are!! I would never ever trust them with my money.. They open up illegal credit cards, bank accounts, steal money from open accounts, check out their Facebook page .. Hundreds of people begging for help for the fraud.. This company is garbage and these locations need to be closed permanently…I will not be silenced.. You tried to scam the wrong one.

This bank is very weird ... They claim they want to make things easy but instead do the opposite. All procedures were followed to get a promotion for opening a new account. After g the bonus into the account was never received after a reasonable time, I called. First do not go to the bank because the bank staff has no clue about the online promotions ... but they may have their own, which the customer service online do not know anything about. I called and they first said I need to have a recurring direct deposit ... FALSE ...

Every time I go to the TD bank on Huguenot SI New York they always have a problem. I come here for work to hand in deposits. They are always nasty, huffing and puffing and complaining about me. They drag my visit longer than it has to be and just keep complaining over and over. If I didn’t have to come here for work I would never come here.

Terrible bank and credit card to work with! 2 hour wait time on customer service, no one in their customer service is property trained and they send you goose chasing. Rude and unprofessional members. Constant hold and block on cards with no reason. No resolution or care to resolve customer complaints. Stay away from this bank. Terrible, terrible bank and credit card to work with

Td refuse to admit to their mistakes. Again the big companies such as this bank has no regards for a small acting studio. Very frustrating to deal with. Even though I had asked them to look into and let me know why I was not getting my monthly statements They kept promising they will look into it. Kept on getting phone calls. Asking me to pay overdue payments. But no one could tell me why I was not getting my statements. Customer service is 0 out of 10. Very very poor.

I used my debit card at a local Goodwill to buy goods to resell online- I go everyday.. well for the month of Feb goodwill sent the credits through on my card but did not create the corresponding transaction causing the pending amount to drop off my account after 3 days. Like any normal person I assumed the transaction was complete but a month later goodwill sends through almost 20 transactions within seconds of one another- instead of freezing my account/card the bank allows them to continue to send thru transactions. Part of me understands that if I initiated the transaction of course I should pay but the other part looks at the integrity of both companies for allowing this type of behavior to happen. Highly questionable.

Stay away from this bank!!! I have a credit card, not sure if this is the same place but they have the same logo, this review is for TD Bank. I've been on hold for over 115 minutes, waiting to speak to the 4th person in this call. Finally the 4th person answers and now they apparently can't hear me. There is nothing wrong with my phone. The 3rd person even admitted they are having difficulties with their phones. Since he cannot hear me he hangs up, wow! They changed my address to an old address and they have so far not allowed me to change it back.

TD Bank aids scammers and allows fraudulent chargebacks. I’m a small business owner, a TD Bank cardholder purchased nearly $600 of product from my online website then reported to TD Bank that they never received the package. Despite numerous pieces of evidence provided by myself and UPS that the package was shipped and delivered, TD Bank granted the scammer her money back. I’ve wasted countless hours on the phone and via email trying to sort this out. TD refuses to acknowledge their mistake or overturn the decision. Over the phone, I’ve been hung up on, bounced around from one incompetent person to another and refused to be allowed to speak to a manager. Via email, finally was told I’d get my money back, just to have someone else jump in and tell me otherwise. TD is the most disorganized, unprofessional excuse for a bank that I’ve ever had the displeasure of doing business with.

Had problem with credit card payment. Spoke to them, said go online, thought was corrected, now they change website, so have to call. No one answers, do not trust this company. I would not use this company if you have other options.

If you are looking to open a bank account DO NOT COME TO TD! Business account: I have been banking with them since 2916 for my business and I tell you they have no customer service for business. After 6 years of a good standing account and no NSF's I have never received a increase in credit limit, any form of outreach to help me expand my business. They are truly one of the worst banks in Canada and I don't know how they are in business. They must have paid a lot of people in politics to stay as a legitimate bank. Customer service is horrible, prepare to stay in the line for 45 mins to an hour on any given day. Personal: They linked my personal and business together claiming it helps with the credit building but that's all **. I have never received any kind of credit increase from them, and the tellers are very disrespectful. If you have questions they don't want to answer. STAY AWAY!

Updated on 03/22/2022: Called customer service and found out that the bank is allowed by federal law to put 6 business day holds on deposits to your bank account at ANY MOMENT during your business with TD. I was originally told by the bank branch manager it was only 6 months but customer service confirmed it was not true and they can do this at any time to verify a deposit.

Location: West Springfield, Ma. Riverdale Shops. Riverdale street. Time: 1:20 PM - 1:30 PM. The bank teller (Young Girl) black hair, had absolutely no personality whatsoever..! She projected to me like she could care less about her job, and her customers as well.! Maybe sitting on her butt all day, with the lack of physical exercise and lack of ambitions, proper education, structure, and discipline, I guess this how these young people today are raised..!! It's a pity that these young kids today are the future of your country..!! ; (

I made a claim of fraud, I call them everyday no customer service no protection and they did not return my money back. They said they will take 30 days for investigation and nothing. I am frustrated and worse experience of banking with them.

I have never experienced this kind of dysfunctionality with TD bank in Canada. I tried to reach them and establish a cash management service, basically enrol with the service of the Bank. I probably speak to half dozen members. Nothing happens for 4 months. Terrible experience. Contacting the branch, they told to contact the toll free number. Send email and did follow up. Probably spend 50 hours. nothing, nothing...frustrated. Never help you out anyway. Terrible experience.

Overall TD has been reasonably good service wise but their policy of only allowing $100 of a Check to count toward A checking balance when I have over 20K in My linked savings account is a Joke; As I understand this is an overall One size fits All Policy but shows no Respect for longstanding Customers like Myself; Have to watch their service fees as well!

There was Fraud on my account. Someone(s) Zelle themselves money from my account in the midst of making several purchases in other states but TD accused me of it and requiring I pay TD Bank the money that was stolen out of my account. TD Bank also submitted the money they want me to pay them on my credit report. I was also threatened by TD Bank that they have evidence I was a part of the fraud. However, that is impossible because I did not participate in any Fraud on my account. At the time this occurred, I was two weeks postpartum on an unpaid maternity leave and the fraud depleted me of my savings. I am finally seeking legal counsel. TD Bank has proven to be unsecure for my money and unhelpful when clear there is fraud on the account.

Unbelievably poor service from long wait times on the phone. I have been a customer of TD for many years and over the last 5 years the wait time is beyond crazy. They keep saying they will fix it, but this service continues to get worse. Expect 1 -3 hour waiting times. This demonstrates a complete lack of respect or concern for their customer and the business that the customer chooses to bring this bank. Right across the board, this happens if you want to trade, ask general account questions or if you want to renew a credit card. I would recommend going to another bank, I am.

My loan was to have have bills paid off. Per their approval for me to receive my loan. I was told they would be paid on 1/252022. They took almost a month to be paid and to this date of 2/22/22 one still has not been. Their excuse has been they sent checks and did not know where they went and are waiting to see if they get them back. I have been harassed by the vendors for payment. I also have been charged interest not only from the vendors but them also.

They say we waited too long but the card is dated 06/28. Do not get a gift card from TD Bank. They will steal your money! If they don't care about a Downs child then they don't care about anyone! Beware of TD bank! Don't GET ROBBED!

TD Bank has given me the worst experience I've EVER had banking. I signed up for a new account with TD bank where seemingly everything was fine. Apparently, it was not fine, they locked my account without EVER telling me they locked my account. I found out when I realized I never got my paycheck. I called them where they told me my account was locked and to unlock it I needed to go to a branch to fix it. The closest branch was 3.5 hours away. When I told them that they said they would submit a "form" for me... What is a form? They said the form can help me to MAYBE challenge the locked account.... okay? How long would this take? They had no idea. I still haven't gotten my money back. Tried to log in to my account and for some reason I can't. I need to call them. I'm soooo exhausted of my dealings with this bank and its been maybe 2 weeks since I had it. The worst customer service and most unknowledgeable reps in existence.

My TD Bank Visa kept getting rejected for no apparent reason. I called customer service and asked why. A CS rep wanted to verify my identity by sending me a text message. I gave him 5 different phone numbers of which he accepted 0 because, he claimed, my account was less than 60-day old.

TD blocks access to online investment options when investor profile isn’t updated. After trying to call them multiple times and holding the line for more than an hour each time, no one answers the call. So I can neither update my profile as no one answers the phone nor can I do my investments online. Their service is just atrocious.

This bank acts like kids. They don't do something and when you complain, they LIE. I am not joking, they lie, and that is also a manager. Now in 3-months, I am trying written response and no one wants to give one. I think they can't find someone mature enough to give a response. Then these kids know that there is nothing anyone can do. Big and powerful. Just to respond to a concern, they don't want to after they have found that their manager lied. Office of the President started to listen and the person went on maternity leave and the bank that makes billion has no one to take over the concern. Keep it up TD Millbourne Mall, Edmonton, Alberta.

This Bank has to have the worst customer service ever. I have bank with TD for 29 years and I can't even call the branch to speak with an advisor. I have tried to open a direct investing account and had to go in person twice and sign remotely because they overlooked signatures!!!!! Now, 2 weeks later and my account is not open and I can't find anyone to speak with. 27 minutes I was on hold last Friday and 23 minutes today. HORRIBLE. Will never use them for anything but a mortgage, and that may even change.

Tirana.

I want to share my recent poor experience at TD Branch (Crowfoot, Calgary location) last January 4, 2022. We went there to pay lump sum payment to close our mortgage. It was supposed to be a milestone and an exciting experience for us. Instead, the opposite is true. Prior to closing our mortgage, the TD Mortgage hotline assured us that we won't be penalized for closing our mortgage early since our closing amount would be below the prepayment allowable limit. Surprisingly, we were penalized and therefore had to disappointedly write the cheque for this.

Every time I try to access any registered funds it is a multi-week effort with hours spent on hold, even pre-pandemic. Right now I have been trying for 6 weeks to make a withdrawal from the kids RESP so they can pay their tuition. I was told that all the forms were in order and it would be 3 days to process... Here we are, 6 weeks later and as usual I am waiting on hold (so far over 140 minutes...). This happens almost every time I try to use the RESP funds. TD Bank - hello? It's my money and i would really like to get access to it!

On Dec 9th a $569 debit was charged to my personal checking account that I did not recognized. Contacting TD telephone line and explaining to them that I've never given authorization to the particular merchant to withdraw any funds from my account. TD's answer was that they have no way of knowing or checking if I actually did or didn't give the authorization and all I can do is dispute the charge. This is a real concern because it means that anybody and everybody can use my account and process a payment without any inbuilt audit on TD's part.

Deposited a government check, put on hold, they told me it would take 6 business days to clear. What kind of a bank is this. Very dissatisfied customer. Called customer service, put you on hold for 20 minutes. No one would help..

Currently my TD Savings account pays interest 0.01% annually and is very restrictive. PC Simplii Chequing account pays interest 0.05% annually and the only restriction is, it must be a personal account. In my opinion, this is a disgustingly blatant rip off. How is it that a chequing account pays 5 times the interest than a savings account??!! I have accounts with both and each month I now transfer ALL but $100 from my TD Savings to my PC Simplii Chequing. I do however like my TD self directed RIF investment account.

Grew up with CU's. stayed with them for over 35 years. After I moved around for work a bit they would not talk to me. A wonderful lady at TD was shocked at this shabby treatment and set me up with an account right away. It's been over 10 years now and this bank - every branch - every representative, has treated me like family. I am an incredibly small account and they make me feel welcome and well advised at all times. I am slowly getting my financial life into a useful place and I trust TD to get me there.

Deposited a check for 5,000 USD in my TD Bank account. Check is from Bank of America. They took the money from my BofA account and then, they tell me that the deposit is “on hold” for 6 days. Did the same with RBC and check was for double the amount and I had the money available in less than 24 hours. TD Bank, I have been a client for more than 10 years. What a disappointment. Closing all my accounts with TD Bank.

This is the 3rd time I have been given one of their gift cards and it is closed. They are one of the very few bank cards these days that still charge monthly inactivity fees. Don't waste your time or money buying these cards. There are many others that once the cards are purchase, they do not charge any additional fees.

TD Bank sent a promo to get me to sign up: "Earn $300: Open a new TD Beyond Checking account and have $2500 indirect deposit within 60 days. Checking offer is available to a new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria." I did not have a personal checking account. I did have a credit card, and apparently for them, credit card = checking account. I called customer support to complain. They are "customer facing". The judge and jury are not like that. They make their rulings and never bother to tell me the result. After 4 calls, expect a big bank to behave like a big bank: to keep their bonus, go back on their word, and all I get to do is lodge this complain on the web.

I had called to inquired about removing something from my account that was hindering me every month. Nazam from Toronto department was understand, kind and informative. I really appreciate all the help he was able to help me with.

My sister has submitted the PD when she was going away from Canada so I was able to help her to manage the account. We just found out someone mad a purchase on her credit card. It took me almost 2 hours to get whole of them. I have provided all my identifications to identify myself as her PD. The phone call was translated several times to different person and they could not do a forgery claim on her file. I told the lady the reason why i was her PD, the international calls cost more than the forgery claim. After I complained about it, they hesitated to give me the direct number to call for her claim. I do not understand why TD did not understand what PD stands for. How able people do lose capacity and are unable to claim for themselves? Their services are ridiculous. I started switching my business to another bank now.

I received a promotional offer of $300 to open a new personal checking account around April of 2020. The requirement was to have a direct deposit and a balance of $2500 within 90 days which I complied with all. After the 90 days, I noticed that the fund was not into the account, I called the bank and the customer service told me that I had to wait for another 30 days. The 120 days passed without any response, I called and the customer service took the note for a manager to reply and no one ever did. I emailed several times, and each response was different. The last person I spoke to told me that the reason why I did not get the bonus was because I opened the account online, while the promotion was for local branch which was not true because I received a code that I had to enter to verify the account. Now, I am stuck with a personal account that requires a minimum balance of $2500 with a direct deposit in order to avoid monthly fees.

The investigation team will always favor Amazon, and other companies, not you however you prove otherwise. I am so glad I close my account in the place. They have the awful customer service. The always will favor the companies. Don't go to this place.

I don't recommend anyone to open account in here. They never pick customer service call, longest wait times. Illiterate customer service representative. Please try RBC or any other bank. They will keep you wait forever.

I have not been a customer of TD bank in over a decade as I moved to a different part of the country. Somehow, my identity was stolen from their database last month. This was violating and disruptive to my busy life. They have awful customer service and no support for victims of identity theft. I waited on hold for an hour and a half, told there was no update to my case and no further information that could be provided. There was no timeframe when they could provide an update, no system for tracking or communicating resolutions or updates. The experience with their customer service and the level of attention and concern to victims of their own database breach is absolutely deplorable. I would advise never doing business with this company.

I went into TD bank to withdraw $9000.00 and was told that they had to do a car to the IRS even though the law is 10,000.00 and I've had 30 years of business banking with TD bank with large direct deposits and have not taken out large amounts of money. With no cash deposits, I felt really pissed that I should get any flag on my SS# for something that I'm entitled to. So I went back into the bank and found out they weren't treating me **, they treat all their business accounts ** by having a limit to report of 8000.00 dollars. So who are they going above and beyond for? Me or someone else. You judge.

I called TD Bank customer service to increase my daily debit limit and automatic system verified my identity after taking like 17 minute and system put me on hold for around 20 minute and customer service came and she start verifying me. Asking me all the questions my name, my address, company name, bank account transactions even though she texted me on my cell phone that code and after all that she spent 45 minutes and told me I am not verified, I mean really this is so ridiculous. This TD the crap bank the worst bank in my life. I never ever go back to them and I’m going to close all my accounts because this is too much. It’s so annoying, so ridiculous and shame on TD Bank. What they’re doing to their business customer giving them a hard time for no reason after even verified all the identity. This is ridiculous. Shame on TD Bank and go to hell TD Bank.

Ismail ** from Parsippany NJ branch was an excellent Store Manager and assisted us with our needs ASAP and with full efficiency. Service given within no time wasting and 100% efforts are put in. Very dedicated staff member. Great Job- Thank You Mr. Ismail

I initiated a claim for $16,000 dollars on my business account on July 23rd, a few days later I cancelled the claim as we realized that the charges were valid. TD bank said they could not cancel the claim and to deal with the merchant. The funds were taken out of the merchant's account and I then paid the merchant $16,000 dollars in the form of a wire transfer. TD Bank was supposed to credit my account back by August 28th as they have the funds from the merchant. We can’t get an answer from the claims department and customer service or the branch are unable to help. We need our money credited to our account ASAP as we have now essentially paid the merchant twice. The lack of communication is unacceptable and needs to be fixed.

I have had an ongoing situation with this bank since Feb 2021 when my account was hacked and $900 was withdrawn from my account. The bank kept insisting I authorized the transaction which I did not. I only got a review after multiple attempts to contact the bank. Nobody ever called me to ask for my version of the story. I only got partial resolution after filing a claim the Federal Consumer Protection Bureau. I had this account for over 30 years. I have closed it and will continue to post bad reviews for this bank until I get a resolution to the situation.

TD "back office" rejected the BMO transfer (at some point) and did not advise me until August 17, 2021. Now I am trying to locate my RRSP cheque and TD is unable to provide me with any information as to when they sent this cheque back to BMO. BMO has not received the cheque and when BMO contacted the TD, no information was provided. I went to the TD bank (located on Whyte Ave and 109 Street) to see where my money was, and I remained on hold with a TD representative for over one hour.

TD Mortgage Centre renewed my mortgage wrongly without my permission in May 2021. I have been calling TD branch every week since then. They replied me that it is mortgage centre's glitch and they will fix it. I have been waiting from week to week and month to month, TD mortgage centre still charge me wrongly. They made me suffering by the mistake they made! It is an absurd experience to deal with TD Mortgage with their poor service.

I was considering TD Bank one of the biggest banks in US, till I realized that TD Bank has limited licenses for many activities. Never use TD Bank for an international transaction or to transfer money to another country. The exchange rates of this bank are astronomical and they even don't disclose to you that they are using third party for it. They charged me more than 5% for the exchange transaction plus $50 wire fees. You can transfer for less than 1% with any other banks and the wire transfer fees could be low as $15. I would never recommend TD Bank to anybody.

This bank does NOT require in person identification to open an account and someone opened an account online in my name. I came home to an open checking account and bank card? What kind of bank does that? Any joe schmoe can just use someone's identity to get what they want over the internet if banks are going to make it that easy.

My paychecks are drawn off of TD Bank. However they still CHARGE $10 to cash a payroll check. I decided to open an account without the option of over draft. Well guess what they still charge for that as well!! It’s like TD Bank has the most astronomical fees out there and it is not fair that someone should NOT have control over THEIR account. They actually WANT to charge people so that they can continue to make millions of dollars off of people a year!! It’s an absolute disgrace!! I do not recommend this bank.

TD Bank Supervisor HUNG UP on me when I was requesting info and wanted a credit and location of their bank. DO NOT DEAL with these SCAMMERS! Close accounts! WORST BANK I've dealt with. Been customer for 20 years! Charged excessive fees for just ATM balance inquiries!

I had over $60,000 in identity theft with fraudulent signatures on my Commerce Bank Checks. I had the authorities involved, 3 police departments and the Burlington County Courthouse. The representative that I met with at TD Bank didn't want to speak to the authorities to validate my loss, but instead, said that they would do their own investigation. I will not disclose the person I met with, but at that point, I knew that TD Bank was not going to help me. While the theft was occurring Commerce changed over to TD Bank. The person that committed those crimes went to jail, but I got no restitution. This TD bank is not for the consumer, only for themselves to make sure they don't lose a dime of their money. I will never bank or recommend TD Bank to anyone.

I was stuck in a ditch in another city with a hold on my mobile deposit, when I called I was told that I’m not eligible for my money, another day another rep told me that it’s a daily update that allows them to make releases, when I asked what changed from this week and a week ago when I had to call for the same thing and it was approved, the answer I basically got was because, "Legally we can hold it so we say so…." FYI people. TD can deny without cause, and leave you stranded in a ditch, literally. And if you ever get Chrissy or Conner better to just hang up and save the embarrassment of them talking to you like you stole your own money. Oh and another interesting fact, I’ve been receiving both mobile and direct deposits for months regularly, so why would they say they now need to verify my employers again??? No one should feel like a criminal for their own money. Just saying.... shady business.

They had one person help people. Waiting over 2 hours. They had one lady helping out for customers. She didn’t know what they were doing. A man didn’t sign in and they allowed all these people who clearly came after him to go ahead of him.

I have had possibly the worst customer service experience with this TD Bank card. I recently moved from Philadelphia to Rochester and transferred my address. TD Credit card responded by freezing my card until I could verify my identity. They did not notify me of this; my card was simply declined 7 days after I had moved. I called TD credit card customer service, who provided me with an actual address for a TD bank location in Rochester... which closed five years ago. I then called back, and was told I had to verify my identity with 2 forms of ID. I was told to fax them over to a number (the supervisor, Preston, was unsure which ID would fit that requirement, however).

Filled out the info requested, which was at the tip of my fingers and got the loan on-time. Moreover, questions were very easy to understand and the representative followed up as was expected. Thank you very much.

I have been a TD bank customer for years. Had checking, saving and credit card with them. I got an alert from my credit that there was a closed account on my Credit card. I called and they stated I haven't used my card in a while so they closed it. This Credit Card was one of my longest cards I have that helped my credit. Now my credit is in bad shape due to TD shutting my card for no reason. They even declined me for a new card because the length of time with cards. Well thank you TD. I just left the TD Bank with all my money. I closed every account I had with them.

Please beware TD fit loan are 100% profiling customers. I feel horrible having to write this but it happened. Customer service the worst I've experience. I hope no one has to go through what I had to. I was laughed at and called names. All I was doing is asking for an explanation why they were so rude about the situation.

Do not put your hard earned money into this bank or suffer fees upon fees upon fees. I use to think Bank of America was bad and left for TD, but soon realized that TD is worse. If they don't get enough interest from your balance, they make up for it in fees. Fees for 'MAINTENANCE FEE ' as they say, among others. I guess the computer system needed a raise to do its automated work. Or maybe it goes to an employee for having to press a button now and then. TD Bank is late on postings and deposits, as well. Save yourself a lot of agony and put your money into a credit union or just keep it in your mattress.

Due to TD overprotective automated anti-fraud measure, my trip to my home-country turned into stressful and frustrating experience. Upon arrival my card was locked. I couldn’t reach customer service by phone because it seems like mission impossible from here. When I used e-mail, I only received a dry official response with phone numbers again which was a dead end for me. Contacting via messenger was a little more successful. I am very grateful to the person who assisted me for the first time, she went out of her way making sure TD manager call me back to my local phone number, and they did and my card was finally unblocked but only for 2 weeks, and my vacation is more than two weeks.

TD Bank’s Mortgage Department has the most unprofessional Underwriters. Their Underwriters are unorganized and are very poor at managing the information they collect. They repeatedly lost submissions and require multiple copies. They are not responsive and very poor communicators. I was very disappointed and wrote to the Office of the Chairman who requested their Underwriters to “re-engage” only to again ask for copies of previously submitted documents. I was told from one of their Mortgage Brokers that they are unorganized, poorly trained and have high turnover. Watch out and I highly recommend that you go elsewhere.

I called TD for help with my TD visa. They asked me 2 questions, I answered both yet they said that they were unable to verify me after that and that I had to download their mobile app to be verified that way. I said to the agent that I had access to my PC online banking but she said that that was not sufficient. Seriously!?!? TD can't verify my identity if I can answer any of their questions to do with my banking. Instead they literally FORCE ME to download their mobile app and jump through nonsensical hoops just to ask a question. Well, I am cancelling all my credit cards with TD and move all my investments to one of the other Canadian banks. So well done TD, you just lost yourself another customer for no good reason at all. This is not a matter of security, this is TD forcing me to use their app. Whoever is in charge of that marketing scheme should be fired.

Their system is outdated with no live update on the phone compared to Chase, their overdraft fees is ridiculous and abusive. There nothing good about this bank other than than their TD Ameritrade. Really horrible and desperate to charge you any fee possible.

After the abysmal experience I had with TD's fraud prevention, I feel obligated to warn others. I had my checking and savings accounts with TD for 3 years with no issues--the online banking and long office hours were convenient, and I never encountered any issues. So if no one steals your card number, TD is totally fine. But I personally will not be taking that chance again.

My experience with this bank has been consistently terrible and it ended with being sued for 1400. They accepted my minimum payments but I guess the money was not acceptable after the pandemic started. So instead of placing the account in normal collections where I could ask for a settlement and pay it off. They decided to sue in court, taking valuable time, money and resources away from taxpayers. I should have read other consumer reviews before dealing with this company. My mistake, do not let it be yours. If you are a veteran, do not deal with this company. They have billions of dollars in revenue but they will still squeeze a dime out of someone who has honorably served their country.

The TD BANK does not act in accordance with privacy laws. They are known to hold private meetings with a client with their doors wide open and speak loudly so other clients may listen. There are many inaccuracies in their statements. The bank tellers are inexperienced with little or no wisdom in client management which makes them uninformed and rigid, albeit well-intended.

This Bank is supporting scammers. User of their bank 3D verified transaction, we shipped product for over 800 USD. User told that product was wrong, which was a lie, we presented evidence and bank decided user won dispute. We lost 800 USD product and the money. We suspect card was stolen, and user used misleading reason to win the dispute. How this bank allowed that. That is a crime!

My cousin and I went to TD bank for the first time in Feasterville, Buck County and we went in to meet the person in charge. My cousin explains our situation and want to open a joint account. He said, No problem. He took care of all the things need to open the account. Beautiful job he did with us. We highly recommend this bank.

I opened a business checking account shortly after TD bank opened in NJ. I was drawn to TD because of their hours of operation. I now know it was a mistake. TD constantly finds ways to interfere with me and my business. The online deposit software rejects handwritten checks that WF easily accepts. It is difficult, if not impossible to transfer funds. Recently TD invoked two step verification to sign on, without my permission or knowledge. I had cancelled my landline, but couldn’t sign on to update my settings. It took two separate trips to my local branch to get this straight. Lastly, I tried to transfer funds, online, yo my checking at WF. I received a confirmation email from TD that the transfer had been made. Later, I received an email stating the transfer was cancelled due to a lack of account number. Stay away from TD!

TD Bank cancelled my 2.75% fixed rate loan 3 days before the closing and said that they could only offer me a 3% loan. They didn't want to give me this rate because rates were rising quickly. I had no choice. The senior bank executive promised me some restitution including money back at closing as none of this was my fault. They blamed Fannie and Freddie. Not only did they not do this, they did not return multiple phone calls, texts or e-mails after the closing. The experience BEFORE this was also atrocious. It was by far and away the most difficult, gut wrenching experience that I have ever had with any vendor (spans over 50 years). I wouldn't recommend TD bank to my worst enemy. I have subsequently heard many people in the real estate industry say similar things about the horrible service you get from TD bank. Use them at your own peril.

I have CIBC, TD and Meridian. My experience with CIBC is flawless with chequings, online banking and mortgages. Requesting basic information from CIBC -> Minutes to get response. Requesting this basic info from TD -> Hours and moved through 6 different people. This is TD in Winnipeg and Saskatchewan that I am evaluating. It needs to step up the game significantly. Also my accounts are not even LINKED together.

I've been with TD for 15 years, I've had a handful of bad experiences with them, including a time when they took over $100 from my account without an explanation and only reimbursed $70, claiming they were doing so out of courtesy. I was planning on switching banks but when a Doordash employee committed fraud with my card, they caught it and blocked my card... So I decided to stay but a few months ago, I was scammed by a seller.

I just need to vent about how awful this bank is. I don't advise traveling with TD Bank because your card will be declined a lot and you'll get stuck in situations that are scary. In fact don't even open an account with them. This is coming from someone who has a credit card and debit card with them. Even going to an ATM to have cash on hand, you will get blocked. There were so many close calls for me missing work, missing my flights, going hungry. When you call they insinuate that you're lying and that your card is "active and ready to use". Then when you go through these long drawn verification processes they still don't know why you're being blocked. They have to investigate and it takes days to do so. By far the worst bank I've ever had the displeasure of banking with. I'm happy to say that I'm closing all my accounts with TD Bank today. Rant Over.

Not a very free flowing, user friendly process no matter what function you try to perform. Even basic functions seem to have quirks regardless of how (irritating) small, and when I write to express a concern, the response is usually a rather auto-generic one even if it's sent by a human. It's time to move on to another bank that actually cares!

I have had fraud on my account 3 times!! March 16 was the worst!! The worst customer service ever!! We were sent a email to congratulating me on my new account in a text!!! We never did such a thing!! It's been a living nightmare!!! We have been on the phone since March 17 and to the bank!! Treated like we were the criminals! Went there today March 30 after getting protection for everything!! Went online. The amount of money incorrect was very upsetting!! Went back to the Wantagh branch. Spoke to Vice president store manager. Rude, nasty, no compassion!! I told him I leaving this bank. Like a big shot he told me, "You want me to write you a check!!!" I getting out of there as fast as I can!! Stay away unless you like fraud!!!

I was personally a customer for many years, but after they totally messed up a funds transfer in 2015, I closed my own accounts. My parents kept their accounts and when they passed, I was put through so many hurdles to just get a single checking account working for first my Mom after Dad's death and then, most recently, set up for the estate to pay final bills. The staff seems to be unable to work the internal systems and something always goes wrong.

I recently discovered that I have an open TD account, but that I haven't used in 10 years. Someone is now submitting an un authorized debt. I called TD and said disputed the charge but was told that the charge came through PayPal, so they consider it valid. I then asked to close the account out. I was told I'd have to visit a branch in person. There aren't any branches in my current state. Then TD said that I'd accrued overdraft fees from the PayPal transaction. TD said I'd have to pay the fee before the account can be closed. But they won't accept payment over the phone! So, I have no ability to stop the charges from coming through even if I don't authorize the charge. There is no branch to visit and no help over the phone... Certainly NOT convenient!

If I can give them 0 stars I would. On March 9, 2021 I went into the TD bank branch in Hollywood Florida to open an account. The bank employee Jeanine or Jeannette misspelled my name even though I gave her THREE items with my correct name. Her misspelling my name caused them to put a freeze on my account because the very large government check I asked her to deposit had my correct name. This caused them to flag the check as stolen and froze my account. Now I have to wait 24-48 hours for them to reinstate my account and an extra 7 business days for them to clear my check. This is so inconvenient on so many levels. That is the only money I have until next Friday and now I am without. I have small children and really needed my money. After my check clears I am closing my account and banking elsewhere.

I have been with CANADA TRUST for 30 years. I found TD Canada Trust bank to be a scam. BE AWARE. About two months ago I open a new account using their online process. They scanned my passport, took picture of my face, and approved the opening the new account. I received welcome emails with invitation to start using the new account. As well TD provide me access to my account via EasyWeb. In their welcome email they wrote that within 5 working days I will receive a debit card which NEVER arrived. During the first 2 months I managed to login to EasyWeb with no issue until one day I login failed. Communicating with representatives of the bank via messenger, emails and phones to find out why I cannot login to my account and why I did NOT receive my debit card were useless.

This bank will find ways to scam you out of your money. I transferred money from my savings to my checking account. They put it to my visa at the same time I transferred money from my checking account to my visa. They said I must have accidentally put the first transfer to my visa (I did not). Then while talking with them to correct it they told me that it would now be a cash advance which means they are going to charge me huge interest (THEFT!) to put it into the account I originally wanted.

Every week for the last 6 months I have deposited my weekly payment from the same company But since the last month, TD has frozen each check deposit, check deposits through ATM, where the deposit receipt clearly says that I have X amount until the check clears, they are canceled. 3 times I have contacted the fraud department, explaining that the check comes from the same company, the same amount and the same dates. However his answer is always the same. We don't know why this happens. How can it be that "not knowing" is the response of a bank to its client. So you know, if you don't want to go through this problem that can happen at any time, stay away from TD bank.

I have been trying to get my Annual Statement for the Mutual Fund for the past two weeks. Called them 8 times. Every time they kept me on-hold for 2 hours and then hung up the phone. At this point I have been on hold for 8 times * 2 hours = 16 hours. Still wasn't able to speak with a representative. I communicated with them via email; they kept copying and pasting the same response instead of providing me a solution. I need my Mutual Fund Statement for my tax purpose, the deadline is looming, but because of TD Investment Service, I cannot complete my Tax file.

I contacted a TD Bank mortgage loan officer in early October 2020 to refinance my mortgage. He assured me they could close my loan in six weeks. I submitted all requested information on October 9th. I heard nothing for several weeks. My loan officer did not return phone calls. When I finally reached him, all he could tell me was that my loan was in processing. In late November, I began to receive emails from at least three different people in processing asking for various documents, most of which had already been provided. They indicated my closing would take place at the end of December. I wrote an email to the loan officer, the main processor, and both of their supervisors asking for an explanation of why my closing was delayed. I got a snide voicemail from the loan officer saying his boss had told him to call me, so he was calling me. I returned his call two hours later but had to leave a voicemail. I have not heard back from him since.

They steal your money. The claims department is a joke. I had money stolen from a Nigerian company and the claims department said it was me!! Scam of a bank!! There are better banks out that! Do not use TD Bank!

I been calling them about some transfer from my RSP account to direct investment account, been waiting on the for 2 hours then they keep telling to wait on the line and hanging up on me, then I keep trying again again. As soon as they answer they will hang up on me. Worse bank is TD.

For several year's it's been a tremendous problem for TD Bank to admit they have received my homeowners insurance, as a result they want to charge me 6000. Every year I submit my homeowners. They say They never received it. Tack on 6000 and say we can't fix it. I was hung up on when trying to call their customer service. After depositing my payment they then say they couldn't post it to my account. After waiting in hold for an hour, I was told my account was corrected. But when paying my mortgage the following month only to find out nothing was taken care of as promised. Even though I have receipts that they had received my proof of insurance. I even in the months prior bill mailed in a copy of my insurance with my payment. Now they say, "Yeah, we shouldn't have charged you but we can't fix it"??? Stay far away from them. They lie, leave you on hold and are terrible when handling problems they create.

I am selling my home to a buyer using TD Bank for their mortgage. The sales contract was executed in late October with a closing date scheduled for 01/14/2021. The buyer was approved and received a mortgage commitment. The day we were to close, their underwriting department requested proof of employment ... I repeat, the day we were to close!! Not a week before, but the day of the scheduled close.

I was a bank teller years ago and was always very friendly to the customers. I'm assuming it must be a horrible job these days. Often the tellers in the Egg Harbor Twp location on English Creek Avenue are very miserable. Someone needs to advise them they are in a "customer service" position. I am a kind and easy person to deal with, so no need for the negative dispositions.

What they do is dishonest, by making up charges, telling you that they will get rid of them, and then changing their minds. Pointing out their mistakes makes them mad. Customer is not right in this bank. What's worse is the feeling that you are not a human but credit to be pilfered through deceit. Avoid them if you can; your balance and emotions will thank you in the long run.

I banked with TD for 6 years. The app is not user-friendly and the overdraft fees are crazy. There is only 1 bank in my city and it is located on the other side of town so I relied mostly on online banking. Which logged me out every 5 min so it was hard to get anything done. The customer service was average, it was just hard to get connected with a human and not a FAQ bot. Honestly, it was a hassle to do anything with TD. I opened a credit card with Capital One last year and saw that banking didn't have to be stressful.

I have been with TD CANADA TRUST for 20 years. About one year ago they changed. They have become arrogant, dishonest and unhelpful. They treat you as a number not as a person. And they take zero responsibility when they make a mistake.

I had a bed financed through Home Inspiration. I owed $5500.00, it was nice that the interest rate was 0% for 72 months or something like that... That was the only good thing. I was informed of who my loan was with and attempted many times to make an online account (make it easy to manage my account). The company locked my account so I could not make an online account, I had to contact and speak to customer service to set up the online account...fair enough.

I deposited a 334,500$ check on Jan. 6, 1921 and they told me today, on Jan. 8, 2021, that the money will only be available in 10 business days. I can see in the account where the check was drawn that the amount is debited and no longer available. In essence, they hold my money and pay their dividends with it. This is beyond outrageous and this bank no longer deserves my business. But I have to wait 10 business days before I can close my account. AVOID THIS SCAM ORGANIZATION!

Phone Customer Service waiting times experienced greater than 30 minutes even before the Pandemic. Email assistance is appalling... They answer with scripted messages with lack of sensitivity towards your concern, and proceed to refer you to the branch. Equity line of credit does not have the capability of online statements. They are mailed. I have had a couple of statements lost in the mail. Called to have them only print last 4 numbers of my account on my statements and they indicated it cannot be done. Last call after waiting more than 30 minutes I was told to get a PO BOX at the cost of $30/month. NOT THE PEOPLE'S BANK.

I have a TD Visa card which I have had for many years. I login to my account every month using the Firefox browser to pay my bill online. I can no longer access my TD account using the Firefox browser, since they decided not to no longer support this browser. The customer department told me to use Google Chrome. They should not dictate to me which browser I should use. I only charge about $15,000 a year and always pay off my balance, so they do not care if I stop using my TD Visa. They obviously do not care about me a customer.

Extremely inconvenient bank, even when other banks have their lobbies open TD's remain closed, understaffed at the drive through windows, ridiculous wait times in the drive through, can't even get an appointment because the lobby is closed. Corporate office in Delaware has a voicemail, offers to take a message but does not allow you to record a message, just keeps repeating the message that you can leave one although you truly can not, I tried. They have a website you can schedule service with. I've been told for 3 hours that there is one customer ahead of me. **. I finally got disgusted and tried calling 888-751-9000, spoke to a lovely person, but overall the service of this establishment during COVID has been truly awful as compared to other banking institutions that friends and family deal with. Seriously considering moving my savings and checking accounts soon. If it were not such as hassle I would have by now.

Bank info and account balance is leaked to public. Good service. No security. High risk. Good service. Leaks private information. No trustworthy employees. Racist employees. Smug. They are selling money. Still act like owners of livelihood. Depends on your area. Rude and intrusive. Depends on your region. Head office is great. Local level employees are discussion private matters publicly. Disallow them to control you. Overall a great bank with naive and untrustworthy employees. They hire anybody.

Ok this is the worst bank that I have ever used, I “think” they are stealing from me but I can’t prove it because I would have to write everything I do down but I always know what’s in my account because I know their antics with the overdraft fees. I always have money missing from my account and they say that it’s overdraft fees that I owe but I don’t have overdraft protection meaning they are not supposed to go over the amount I have in my account. So every week I get DOL unemployment deposited into my account and every week there is a small chunk of money missing.. sometimes it’s a few dollars but this time it was 21 dollars.

Hello, My application for my personal TD secured credit card limit increase has been declined after several weeks back and forth. It is so ridiculous that TD Canada Trust decided to decline my application because initially, when I applied for a secured credit card, the credit card specialist told me that I can increase my credit card limit whenever I want as long as I put the necessary fund to the savings account opened for my secured credit card. However, the last specialist working on my secured credit card limit increase application has just told me that this information given me from another specialist is not accurate and now I should wait for another six months to apply again. I mean the whole process is like a big joke.

Just one of the many many problems I've had. A bill comes in at 2:00 a.m. I put cash in to pay for it at 4:00 a.m. and they charge me an overdraft fee which I have to get taken off by calling that explaining it. Then after on the phone with them on hold or speaking to a representative they'll take it off but they keep repeating it. I've had another problem with them where was missing $60 and they can't explain to me how my account went into the negative when all my withdrawals were debit withdrawals where I couldn't draw out more money that was in there. One time they repaid me, the other time they couldn't explain it to me and didn't repay me.

Very unpleasant encounter today. Just because I am a non account holder depositing fund to a TD account holder, I received the rudest service in this TD main branch at 700 West Georgia St, Vancouver BC. The branch manager is a very rude lady and her staff doesn’t know the stuff well. I was depositing a bank draft for my manager at TD bank at this branch. The guy saw the name and asked me, "You are not XYZ right?" Because my manager has a male name and obviously I am a lady. So he told me there’s a hold on the bank draft. It’s not a cheque you know? It’s a bank draft. I asked him to double check with his manager just to confirm. As far as I know, bank draft is as good as cash.

TD is the only bank which sell life insurance instead of credit insurance. Business owners have to pay for credit protection premiums even if they don't carry any balance. They also claim to pay claim even if there is no balance at time of death. Basically bank is selling life insurance in its branches and sales persons are not even licensed to sell life insurance. No idea how they are able to fool the regulators.

If your bill is due on a weekend and you pay it on the very day it is due be it a Saturday or Sunday beware. I warn you they will charge a late fee automatically causing the consumer to worry and to search for a number to a call center. At which point their phone system does not give you a option to speak with an actual person but, I can tell you pressing 0 will get you someone. Today I reached a girl named Kaitlyn in South Carolina who told me after weekend they automatically take the late fee off. She also told me there was not one person I could tell about the system flaws.

I have been with this bank for a few years and this year it’s been Nothing but problems. I have dd to my accounts, and I had a refund that was pending and I checked today and my refund suddenly disappeared from my account history and my DD is nowhere to be found. They have also kept removing and reposting an auto payment every day for 2 weeks which kept causing my account to be overdrawn and charging me an over draft fee, 14 times!!! Tampering with an account is against so many federal banking laws that I can’t believe I am watching TD bank mess with my account. I can prove that the auto dd was sent out on a specific date and should have posted to my account the very next day. It’s been 4 days.. where is my deposit? And where did the refund go to? It showed as pending and today it’s gone?!?! I am closing out my account as soon as these deposits show up. And I will be putting in a call to the attorney general and the FTC.

If I can lay down the facts and timing of events below as well as the developments subsequent to my complaint emailed to TD Bank: 10/7/2020 - I opened the TD Bank account. 10/7/2020 - my husband's direct deposit went to TD Bank. 10/7 to 10/8/2020 - I took the money from TD Bank. 10/14/2020 - my husband's second weekly direct deposit went to TD Bank; On the same day, I attempted to take the money from my account to pay our bills that are due. Unfortunately, I was not able to get the money.

If you deny overdraft protection, they will probably give it to you again in a few years. Why is this dangerous? I think TD changes customer statuses on accounts and puts them into trouble. I went to 7-11 for a 69 cent soda. Got charged $35. Went a few minutes to pay for parking for $2..charged $35 by td bank. $315 charges in 1 day. If you want to make me happy, my Twitter handle is **.

I was scammed on a purchase that I made with my credit card. (Vendor was from China and never delivered the merchandise...) I have nothing to show for a charge on my card. My credit card company is not going to bat and is as bad as the company that I am dealing with. They have been horrible to deal with and simply read a script. I will cut up my card and never use it again. DO NOT get a TD Bank Credit card and do not use the one that you have for any purchases. As a customer they will Not support you in a dispute.

I purchased a phone through Samsung. I returned it to Samsung and they told me I would get a full refund. They left a 12.31 balance for the monthly protection that I don't owe. I never activated the phone. I can't get TD to remove it and they have caused my credit score to drop 125 points.

I made a mobile deposit for a check made out to me on Oct 4 for $200. On the Oct 7 the bank froze and closed my account. The Bank opened up and approved a account for me online. After they never honored the check for the mobile deposit. I had a balance of $193.00. They said I had a account back in 2016? They said they were keeping the money and closing the account. How does a bank open a new account, if you owe them money? They should have told me to pay my negative balance on that old account before letting me open a new account. This is unfair specially when I was going food shopping with that money. During a pandemic really? Wow this company is the worst.

TD Bank recently changed their transfer process, so now each transfer transaction has to originate from TD Bank into whichever account the customer has linked to their TD account. These transfers are riddled with problems that result in the funds NOT transferring into the customer's requested account. Further, they 'hijack' the funds for an additional 3 weeks before crediting the funds back into the account. Not only that, the customer service rep will mislead and provide false information about when those missing funds will be credited back.

I do not know how many operators TD Bank has, but all numbers are pointing to the same call center and I have been listening to music for more than 6 hours now, not being able to get hold of a person. Unbelievable. I guess that is the last Samsung device I financed.

TD Bank puts advertisements that you will get a bonus if you open an account with them but it is a fraud. I clicked on one such advertisement to open an account and made clear I opened the account because of the promised bonus. I continuously requested the status of the bonus and was told it had to be over X number of days. After X number of days they then claim that I "Didn't click the right link" in order to qualify for the bonus. Why would they put two links on an advertisement for the bonus but to try to intentionally defraud people who are signing up based upon the promised bonus. This is fraud and someone should sue them in a class action lawsuit as I'm sure I'm not the only one who was defrauded by this bank.

I have been a customer of TD Bank for well over a decade and I have to say the customer service has gone downhill. The bank itself in general has gone downhill. $2 a month maintenance fees, I don't earn any interest for the money that I put in the account, since the pandemic has started wait times on the phone exceed an hour. Wait times to do any banking in person you have to schedule an appointment and it takes forever. Everything is booked up, (don't get me wrong I understand it's a pandemic but this isn't your local credit union this is a large predominant Bank), I've been trying to close the account now for about 2 weeks and the Hoops I've had to jump through and the Constance Circle jerking that I've dealt with and the account still isn't closed.

Several months ago I had an overdraft agreement removed from my account because TD Bank was allowing every transaction to go through even though I did not have the funds in the account as I was unemployed and after several overdraft which should have not been accepted, my account went over $800 into overdraft and almost $1000 were charged by TD bank in overdraft fees!!

Always problem to cash out the checks. Same as Wells Fargo that I closed long time ago. My credit score is 830 and I got rejected for Samsung financing that I wanted just because of the replacement option. If you are unable to get financed with perfect credit what is that bank for there. Thank you very much and TD Bank will never be my or any of my friends choice.

The worst bank on planet earth. Please do not bank with TD Bank. Customers service sucks. After depositing a check into my checking account that had my name on it and information due to Covid 19 there were technical issues and TD Bank accused me of depositing a fraudulent check. I got the problem solved only to go back to TD and they closed my account. The customer service was horrible.

Called for customer care service. Representative said he doesn't care and hung up before replying. Sent Secure Message to TD Bank. Reply was boilerplate "thanks for being a customer." When replying to boilerplate, TD online simply terminated the session. Logged on again, tried again, and TD terminated session again. Logged on, wrote a new Secure Message and referred to prior Secure Message, and TD terminated session again. What I learned is that TD Bank does not read Secure Messages. Good to know for the future.... And neither do they read email or help via phone. And, of course, we already know customer service is poor and disrespectful.

TD Bank makes banking a pleasant experience. Their app and website make checking balances and paying bills a breeze. Customer service whether at the bank or on the phone is a pleasure with polite, knowledgeable staff. I highly recommend this bank!

I like the customer service I get at my local branch. Recently, the chip stopped working on my debit card. Since it is drive-up only at this time, the teller told me he'd get a new one made right away and to pull around the corner and he would bring it out to me. It was great service!

I opened an savings account back in March to save money to go on vacation. My sister now needs heart surgery for a bad valve so I closed a 401k account I had with an employer who closed the plant and had the money directly deposited into my savings account so I could help her with bills. I then opened a checking account, with the thought of transferring most of the money there to make it easier to pay bills. I guess that was a mistake! They immediately froze both accounts telling me they could not verify who made the deposit and I needed to talk to their fraud department, even though this made no sense to me. I waited, the first time, 20 minutes only to have them hang up on me. I went to the drive thru and talked to some woman who asked me who deposited the money then told me she would call me back as soon as she heard something.

I am extremely satisfied with TD Bank; their customer service is fantastic. My account was hacked a couple of years ago and they swiftly and professionally handled the incident. I couldn't have asked for better service with that incident as well as any other of my banking needs.

TD Bank is very friendly, very good customer service. Good bank, easy to communicate and speak with a real person not like other banks. I recommend highly to open an account with TD Bank. It’s fun bank.

Promises cross border banking but after months, still can't get their system to work. Customer service is nonexistent. Not very bright branch managers in US. Worst CD rates in our area. Will probably change banks soon.

When we moved to Pennsylvania nearly twenty years ago, family recommended TD Bank. I barely qualified as a senior citizen. Over the years, I have had a great relationship with them. They have been working with me when times were difficult. They offered great services. In this difficult time when it's hard for everyone, they are still there for me. TD is a good place to bank for senior citizens, as I am sure it is for others.

If you want to lose almost 6 million dollars in 51 days and you don't want any consideration due to your gender or race when you apply for an SBA loan then, use TD Bank. TD Bank has been one of the worst experiences of my life.. my loan was foreclosed before it was even closed. And 51 days my loan went into foreclosure. TD Bank and Golden Corral worked as a team to swindle my money. I would never recommend.

I was told that if I opened a secured card and kept it in good standings for two years that I’d get my $500 dollars back and my card would be unsecured. 7 years later with a balance of ZERO, along with keeping my card in GREAT standings, TD will not give me my $500 back unless I close the account and reapply. I have good maturity on this account and don’t want to lose the years of credit history. TD makes decisions based on your credit history across the board with accounts not affiliated with them. That’s an overreach. Mind your business TD! I PAID MY BILLS ON TIME WITH YOU. Take take take... TD YOU'RE THE WORST!!!

Within the first 2 months of having the account, I had to go to the bank about 10 times, waiting a few hours each time, for them to resolve issues that were no fault of my own. Purchases will not show up in your account for many days at a time, and the company never misses a chance to charge you a fee. High-end checking accounts offer virtually nothing (or very nominal "bonuses"). I missed out on an IRA rate I wanted because the bank misplaced the check for a whole month and only an IRA that had a 3% lower rate was available when they found it.

I have been with TD Bank for over 25 years. The convenient hours make a big difference-including being open on Sundays. The tellers are very courteous and friendly when I do go to the actual bank (right now using the drive through). However, I do most of my banking online. The app is very user friendly. All in all I find TD Bank meets my banking needs and am very satisfied.

We use TD for our savings account and for checking. The folks at our local TD Bank are always pleasant and helpful and they know my name when I walk in the door. (Something we can't do these days.) When I first moved down here, I had no computer available, it was stuck up in NY on the moving truck. I had bills to pay. The gentleman I spoke to, turned his computer around, handed me the keyboard and said, "Go to it." I was amazed. I did what I had to and thanked him. He just said if you need anymore help, just come back in. That's what I call excellent customer service.

I only benefit from the savings account but the monthly fees are ridiculous. Especially when you only use your account for billing purposes. 15$-35$ a month is ridiculous for someone. There aren't many features for people either.

LOVE TD Bank: They have friendly bank hours (pre-pandemic) and a wonderful app - never have to visit - take a photo of a check, front and back, and post it - it's deposited; now, if there was a way I could pull cash from my Mac?!?

As all other banks already are open in my area, this branch still you can't get in for any sort of emergency either, to call their 800 line is worse than reaching the U.S. President. Drive thru for a simple deposit can take between 1-2 hours daily for no reason... Anyone know how to close accounts with them without going thru their drive thru?

I give this bank NO STARS!!! They are THE WORSE BANK IN HISTORY and I am going to contact the US district attorneys office TODAY!! My husband's SBA loan for his business was deposited almost TWO WEEKS AGO and they FROZE IT! Not just those funds but The entire ACCOUNT!! He not only doesn’t have access to those funds in which were LEGALLY given to him but he has absolutely NO ACCESS to any of the other funds that is in his account and all of this DURING A EPIDEMIC? We can even buy FOOD at this point AND He provided EVERYTHING necessary in order to be approved for that loan. HOW DARE TD BANK FREEZE IT along with all his other available FUNDS!! I will be taking this matter to another level. TRUST ME!!

Let me tell you a story about two gentlemen from T.D. Bank named Sal ** and Roberto **. O’ my gosh, what lifesavers. I lost my card in a T.D. Bank in just a few seconds, the machine didn’t give the “take your card out” reminder and I wasn’t paying attention. When I walked to the next store I realized I didn’t have my card. A slight panic was starting to develop. It was still early but all the banks, all the banks only had ATM’s and no one to talk to, I was lost for a minute. Then I decided to try the T.D. Bank near The Bronx Zoo, which had drive in. I thought maybe I could speak with someone. At this point I only had $6 in my possession.

100% opposite to its slogan. TD Bank is the most difficult bank to work with EVER. I had no experience with the bank before I refinance my mortgage last year. One of the loan officer was unprofessional about the loan documents, did not respond to my emails, and asked other officers to communicate with me after I sent out a second email checking my application status because she didn't reply to my first one.

JUNE 29, 2020: Spent more than 45 minutes to get somebody on the phone. UNACCEPTABLE!!! I called because my free check order never arrived (Beyond Account ).... Now they dont want to honor their promise (not just they told me when I opened the account but it is also posted in their webpage)... Apparently they sent the checks on March but I have never received, I have never used ONE. Now they want me to charge for a new order of checks!!! Worst bank ever!!!

Watch out if you are opening any acct with TD Bank they never listen to you and never meet your expectations when you call. In other words they could care less about your banking concerns!! I expected a lot more since this is Your money you are dealing with not theirs!!!

TD Bank is the WORST! My daughter's account got hacked... After not getting any help from their phone support and waiting literally days for them to respond, we went to 3 different branches, five total visits, to this crap institution only to hear their Managers tell us their hands were tied and making is call the very same BS customer service line with various transfers to depts. One manager called and waited on hold with us for 15 minutes and the department told him to call back on Monday. A year later after no results they sent us to collections for $250 which they had already cleaned out her account from insufficient funds fees and never sent us this final bill. They suck if you have a problem you will get nowhere with this group. STAY AWAY!

Been a TD customer for many years, I knew all the staff and they couldn't have been better. Something has changed in that org. They are downright incompetent and uncaring. Due to an "error" I was cheated out of several hundred dollars in interest, I was trying to call them for some info and they did not answer the phone all day....I was parked in the lot in front of the bank before opening and was told to leave, talked to the manager and was told it was their policy not to have suspicious people in the lot when opening, sent a message online about an issue and 4 day later no response. I will be looking to change.

TD is definitely the worst bank ever. Their mobile app is virtually useless. Never up to date. They delay taking funds out so they could try to get you to overdraft. Mobile deposit I had a security hold put on eight out of 14 checks that I put in there. They tell me to deposit it at the ATM in the bank. I do that and they put a security hold on some of that also. Use a different bank. Say No to TD.

Locked out of my US TD Bank account due to purchases made online for myself in QC and my Mother in CT. (Good food due to the Pandemic and I am in a rehab place for my leg and my Mom is 81 years old). After calling both the main number and my VT branch, they cannot help me, so my TD account $ is frozen. I guess they can make interest for themselves through all the accounts they’ve locked... I’m changing banks. TD is now nonexistent to me and I will tell others, if asked, not to use them for any financial services whatsoever. I would actually give them negative 2 stars if I could.

A sad story of a bank that used to be good but is now too inconvenient. After 15 years, I am closing all my accounts with them. Now the hold times are just too long (sometimes 40+ minutes). Poorly trainined service now. No abillity to speak to supervisors. Constantly making excuses like blaming other departments, and tranferring you. They most recently canceled all my debit cards due to one online bill pay they couldn't identify which i legitamatley did. Rather than just denying the one payment, or texting me, or asking for a security code, they just cancelled everything and locked me out of website so i couldn't even know what happened. Some service.

Honestly, the services at TD are pretty good. We love their no-fee credit card, their flat monthly fee, and their very friendly tellers. HOWEVER; the whole reason I felt the need to write this review is because of what I have seen happen to people close to me, and how utterly appalling I think it is. The majority of frauds and scams are (or at least used to be) based on checks. People will deposit these checks at TD Bank, send some of the money back to the scammer, and supposedly keep the rest. These can be in the amounts of hundreds all the way up to millions and most people CANNOT absorb this loss. TD will tell you after the fact that the check did not clear and the money never existed.

TD Bank Sucks! Had enough of their BS! 12 days to clear a deposit from one account to another. When I called, they blamed it on the Federal Reserve. Time to go…. Should have left them years ago. Incompetence plus!

If you're looking to set up a tax-free savings mutual fund for your children to be able to save money for their future tuition, don't ask TD for any help. TD screwed us over by incorrectly classifying our investments so that when we withdrew the money for tuition, that money was then considered part of my income by the CRA. We were then taxed over 18% of that money, wrongfully!

Hi, A couple of months ago, I ordered a statement for my business and personal account for 2018 I went to my home branch, they said I will receive my statement in a week free of charge. After a week I went back to the TD Bank but that time I only got my business account statement, not my personal account. After some time, I went back to TD bank to get my personal account statement. The teller told me that they have to charge me $15.00 for the year 2018 statement. It is not a matter of $15.00 but it's a trust. I've been a customer of TD bank for more than 15 years and I like the service very much.

All I am going to say is that if you forget your password when you call them for assistance or help, even if you tell them... "I can't remember it cause I never had to use this password before now." They will not accept anything else but the password that you may even of made months ago and I just want to ask them "Please can you just check my account? I think there's some money transaction that I'm not sure of, so could you at least check to see if there may have been fraud or a mistake?" But Nooo. Even if you tell them to ask you any question like for instance your social or mother's maiden name or credit card bank info or even phone number whatever cause I got that all. They still won't help you in the least bit.

I opened a Savings and Checking account with TD Bank, and I was never told that I could link my saving to my checking in order to protect myself in case of an overdraft. Instead, they kept on charging me fees after fees, paper statement fee for every paper statement they deliver, service fee of 15.00 dollars that I didn't know about. They also have an overdraft fee of 35.00 dollars per day. Aside from the hidden fees, they have some rude employees when you call the 800 number. Had they told me about the overdraft protection, I would have made sure to implement it to protect my money. If I had been informed of the paper statement fee, I would also made sure to use online statement fee.

Wait times can be very long AND commercial clients are allowed to go to any open CSR & this really slows things down. It is great for them BUT not great for other clients. Never enough CSR'S open when the branch is busy! Best to go first thing in the morning!

3 months ago at TD Bank in Montvale NJ wanted to cash check for $5,000.00. Man said "we don't have any money." (At a BANK??) I have 2 checking accts with them for Years & both were fine money-wise. Said again: "We don't have enough money for that. You must call us 2 weeks in advance & let us know to cash check this big." Huh? Even criminals know "where the money is."

This is the only bank I use and I wanted to try Samsung Pay on my phone and watch! I even tried adding my card. I got a message saying I could call TD and ask them to activate my card on samsung pay! But when I called them they said they only have Apple Pay. That's it and they stopped dealing with Google Pay and Samsung pay 3 years ago! Whats the point of this bank if it can't support the only phone you use! Disappointed! Honestly just go with RBC. They support everything and would never have these small issues!

Terrible bank! Period. I could write a book at this point! Most recently the story goes like this: My debit card expired and they emailed to say they were sending a new one. Never came. I called customer service and they sent out a replacement. Never came. I did this TWO MORE TIMES and STILL NO CARD. That's 4 tries at sending me a new client card and I still do not have one! My local branch is closed, indefinitely, due to Covid19. AND I DO NOT HAVE A CLIENT CARD THAT WORKS!!! So, in the middle of a pandemic I cannot access my bank account.

Not recommended for small customers who struggle to keep their heads above the surface. The corporate slogan is "The Most Convenient Bank", the question is for whom. I've been banking with this TD Bank for about 2 years and overtime having issues with their transaction record system. What's in the banking business known as "maximizing the profit" is well-practiced using the non-sufficient fund fees policy, and that is more likely a scheme. Why? Because the way they record the transactions, they record the transactions based on the largest amount to the smallest amount, just like any other banks. The excuse in play, is they are trying to help customers to pay what is most important (seems the largest amount is the most important). Yet the decision for that relies on the bank solely discretion by that mean if the largest amount would risk the bank of losing money, they would not execute the transaction.

I called TD Bank to review mortgage options and the financial advisor did not listen to anything I asked, insisting that I had to make an appointment to visit the branch, which meant I had to take time off work or spend weekend time. I ended up visiting the branch, and the financial advisor did NOT follow up with me subsequently on status/progress. Poor customer experience all around.

Ineptitude oozes from every T and every D associated with this outfit. I have had 5 over the top, you can't believe this is real type events. Every excuse to hold money longer they give, no more of it.

I've been a loyal customer since Commerce bank days, now TD Bank, for years I've traveled all over Europe and TD Bank never charged a International fee on top of the regular fees, since Corona they added international fees, shame on them. The time has come to leave, so after 20 some years I'm sad but this threw me over the top.

TD Bank offers you a Debit Card on the spot after enrolling which is awesome, However, Please be very careful with any of the Cash advance they provide because their OVERDRAFT SERVICE/FEE is a JOKE! TD BANK charges you an Overdraft fees of 35$ per transaction after you over draw your account. For example, if you have 100 $ in your account and you're enrolled in the TD Cash Advance It will let you make a transaction which is above 100 and charge a 35$ fee for that transaction. & after that If you swipe for 1$ or if you're enrolled in any auto payment you will be charged Overdraft fees of 35$ for 1 Dollar and it goes on. It is good they let you overdraw but be aware of how the fees works. NOT RECOMMENDED. Thanks.

During this pandemic I understand that wait times are higher and places are cutting down staff but after being on hold for 2 and a half hours for on both of my phones for 3 days to only be hung up on every.single time just to unblock my card. Over 3 days seriously!? (This is day 4) Then I go into a branch after waiting in a line for them to tell me I have to call the same line anyway? Don't bother calling them. You won't get through. I'm assuming there must only be ONE rep handling phone calls.

We refinanced our home. Problem 1: The application process took forever and toward the expiration time on the 3% loan TD wanted to back out because we sold a car for cash. Who takes a check for a car from someone they never met before? They wanted us to take out a loan for more $$ and then they would overlook our cash sale! (FISHY). After my insistence they agreed to the original loan application amount.

I had a joint checking account with my daughter since she started college back in 2010. My daughter is actually very financial responsible and watches her account religiously. When we finally decided to move her account to CapitalOne so she could have her own account without me it was a fiasco. I set up bill pay to pay my TDBank Credit Card with my TDBank checking account and for whatever reason it didn't work and they hit me with a late payment fee. 1) I set up an interbank transfer feature and she tried to transfer her money in $2500 increments, the website didn't register it and she clicked it several times and as a result tried to transfer $2500 x 3 and I got hit with an overdraft fee x3. I ultimately got these fees refunded but it whacked my credit score down from an 838 to a 780. So I would avoid TDBank as they seem to be technologically challenged.

AVOID TD at all costs. Not enough staff, not properly trained. Credit Card services is useless, very nice on the phone but they do not sort out problems they themselves originated. They transfer you to different departments that do not resolve matters. If you have a credit card transaction that you did not do, you cannot communicate with TD online, you need to call them. Good luck when you try to do it, forever waiting over the phone. Worse if you are in a foreign country as there is no way to call collect since nobody answers the phone to accept your call. If you pay for calls yourself, they either keep you on hold forever or disconnect. Do yourself a favor, you don't need this type of aggravation.

Long-term, loyal customer of TD Bank; many many products and relationships. Everything changed over say the last 2 years. Fee mongering. Many increases. Special accounts that waive fees no longer count, etc.; Avoid TD Bank Lending like Covid-19 (nothing but pain). Lies, deception, manipulation; Customer Service no longer customer-centric; No way to escalate concerns within the bank to the proper departments; Technology, well, that has always been a hot mess (they are trying).

TD card services is so unhelpful. You have to call and ask for your points or promotions, but they always have a reason to not help you. Even when a TD bank rep calls they refuse to be of service. Or waive the fees the bank tells them to. Horrid customer service, bordering on fraud since I have yet to get what was promised 8 months ago. Do not recommend.

During this time of crisis, you can really tell who the good vs bad companies are. TD Bank is no exception. On Friday, the day the program went live, I called the bank to find out about the process for applying for the Paycheck Protection Loan. It was obvious the employees were not trained or informed on what to say or do. They had no idea. One of them sent an internal memo. Another told me they were short staffed and only the manager would know what to do. So today, 3 days after this thing went live, they added an online application and it doesn't work.

TD Bank has just about the worst online experience I have ever seen. In order to use online banking, you MUST receive a text message on your phone to log in each time. However, the text message only arrives some of the time, meaning that you can only log in when their system is in a good mood and actually sends you the text. Then, once you're in, it freqently logs you out and makes you log back in even when you're in the middle of doing something, and you have to start over all again (assuming you can even log back in with the text message).

There really should be a zero or negative star rating available. Never have I in 35+ years of banking been treated in such an unprofessional, rude and totally obnoxious manner as I was by a Ms. Kimberley **. Despite the inconvenience which it will doubtless entail for me with having to move direct deposits etc, I will be exploring how to close and move both my business and personal accounts from this horrendous branch at the earliest opportunity. In addition, trying to get hold of TD head office to relate my experience ended in failure after waiting on hold in excess of 40 minutes before giving up. Please avoid this horribly unprofessional branch or TD Banknorth as a whole.

Robert **, Adriana **, Tracy ** from the Mortgage dept and underwriting. If you want to be guaranteed a loan Lock in a rate. Not talk to you about what's going on with your loan, bait and switch and then after asking to pay all your credit cards and bring 30,000 to closing which me and my wife agreed, only for them to drop us because we locked in at 3.65 and then all the refis came in and they weren't going to make money then tell us to pay off our lease and we can try to see what we can do. (Start all over and give us a 4.89 when we are already paying 5.8 interest.)

I wish they had the choice of 0 stars or even negative numbers! One star is much too much for this outfit. I have been a client of TD Waterhouse for many years. When they did make a mistake in the past - unauthorized selling of securities from my account - it was very stressful but they corrected it and I believed it was a honest mistake. Unfortunately, during the recent market volatility - volatility is good for my kind of trading - they were impossible to reach (and I mean calling on four different parallel telephone lines for 6-8 hours continuously!) and as soon as a margin appeared they sold again my securities. I gave instructions to transfer funds and securities from another TD account and still they sold my securities. This is utterly dishonest and more than I can take. I'll see them in court.

Went there to give a copy of my signature for new business checking that I opened online, teller sends me toward group of three guys who didn't wanna look at me then one of them tried to brush me away as soon as he found out I already opened the account online and he will not make any commission, when I told him I failed to send my signatures online each time I tried he said, "It's big process. We will have to do it all over again here if you wanna do it through me," I showed him the email I received from bank that clearly stated just signatures on document at the bank. I realized what's going on so I asked him to cancel my account, he was very prompt on doing that instead of trying to resolve and help, I also heard other two employees talking rudely about another customer who wasn't present at location. Bank is on the right street address though it's on "SHADY LANE" in Howell NJ.

Excellent banking. No surprise in amortization. Renewal do not cost any dime. Professional bankers to help for new amount mortgage and refinancing. Really like the staff taking it seriously to find best option for customer.

I took a business line of credit with TD Bank to help with my business. I had a few bad months in sales, and I was running a few months behind with payments. They did not want to work with me on a repayment plan at all. Their main objectives were to get a judgment against me and collect on the SBA guarantee. I would never recommend this bank to anyone.

Applied for a mortgage and got approved for a mortgage 2 months before closing. Then one business day before closing and TD finance department dropped the financing. And we never closed. I will never step foot in a TD Bank again or use them at all. This isn't the first time this has happened. Stay clear from them.

TD Bank's employees need to all be given the SAME handbook on the bank policies. The first time I called for OD fees, they waived HALF of the fees. After not a single person telling me what the OD policy was (they will charge up to 5x the OD in a single day, They charged me FOUR. $35X4 IS 140. Then agreed to waive HALF which are 2 fees). The second time I OD, I called again, I OD for $14, for an ACH payment to Amazon. Boom was slammed again. The woman told me that I since they already waived TWO fees this year, they couldn't wave another one. Spoke to an "Supervisor" named Chris who was not the friendliest person, who kept reiterating that by law an ACH payment they had to let go. Okay, FINE. Prior to speaking to Curmudgeon Chris, the person I spoke to said that the OD fee is posted the DAY AFTER (DUMB) and that if I put in money to cover the funds prior to closing, there will not be a fee posted.