TD Bank Reviews

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.

This company is filled with untrained pathological liars. I deposited a check on a Friday night and immediately called to confirm when they would deposit my funds, to which the agent said Saturday. I called Saturday morning to inquire about my missing funds, and the agent said it will be posted to my account by 5 pm EST. Called at 5 pm EST and spoke to both an agent and supervisor who said my funds would be available either Sunday by visiting a branch or Monday. I visited the branch during my lunch break, and the manager said it would only be available Wednesday and she can't do anything about it! Due to the lack of training by the TD Staff, I am late on my rent, causing a fee from my landlord, I suffered humiliation and am suffering an insurmountable amount of stress. I am closing my account with TD bank and have already filed a report with the BBB, next step is the AG and a lawsuit.

talking to an illiterate person. Today it was the straw that broke the camel's back: after asking to speak with the manager and asking him if the online bank would have my tax document in a PDF format that I could download, the idiotic manager thought I was asking about a blank tax form. WTH? I yelled at him and my blood boiled, over 1 hour on the phone trying to solve a simple problem and I’m not able to speak to any intelligent form of life. TD sucks, as does Apple and the iPhone, which are also ridiculously dumb and overrated.

Have been banking with Ally which used TD Bank for their credit card services for about 2 years now, upon ally discontinue using the credit card services and the service been taken over by td Bank I have had nothing but problems. Attempted to make a payment and enroll online but due to not having the new card I was unable. I finally received my card today and proceeded to activate it as the customer service agent I called last week advised me and had mentioned that once activated the old card will no longer work which made sense so I proceeded to do that.

Hi! Our names Robert & Maya **. I am submitting this review, Which is so long overdue. And I Pray that this will never happen to anyone else. I saw many of the reviews from many other victims as well as my husband & I before finally I chose to write this. I Also did research on TD BANK history. I had to be sure that it wasn't my husband and I carelessly not being responsible with our accounts!

BUYER BEWARE! We have tried to be a loyal customer of this bank for the past 4 years, but we are now looking for another bank. They have friendly staff, but unfortunately, this is completely offset by how incompetent they are, from the tellers to the intermediate staff, to the bank managers. Management should lead by example, and unfortunately for this bank, that is exactly what they do, only to their detriment. We have 4 accounts with TD but will be closing all of them due to continued incompetence and an utter lack of accountability. There are so many mistakes this bank has made, and the worst part is, there are no actions on their part to prevent these errors from recurring, so buyer beware:

I didn't think any bank could be worse. I was wrong. Husband applied for a mortgage loan with TD. Their process is manual and painfully slow. The loan processor was extremely incompetent (we are talking about simple math and reading). They offered him a horrible rate for a loan (although he has excellent credit and good income). Then they sent out their appraiser. The appraiser falsely misrepresented to the bank, in the report that the home had code violations. It was explained that this was not the case and provided proof. They still proceeded to demand these be remedied. They still contend that he is approved but admit they won't fund the loan. Won't provide any sort of letter to back this up so he can get his earnest money back. This bank is beyond unethical. Will most likely pursue legal action against them. I do not think they behave this way with all of their customers.

They treated me so disrespectful like a criminal. So after my account was compromised and hacked. Hacked From another state. The hacker was able to see and steal my information and my complaining lead to me being told they will no longer do business with me. Unprofessional. Abuse of authority at it finest and why are the allowed to dress like they are in a prostitution ring. Very offensive.

I always checked my available credit on the app and made purchases accordingly. Two times it suddenly went over the limit. After calling found out that the app doesn't update information properly. And then they charge for over limit. I also asked to block over the limit purchase, but TD bank refused and charging the fee. Clearly fraudulent business practice.

TD is probably the most frustrating bank experience I have experienced in decades. The fraud department deactivated my account multiple times for transfers INTO this new account and was very slow to reactivate it. I walked into the local branch many times to unlock it, but what the local staff could do it just email the Fraud Department and wait for two hours before they respond. And they never responded. I made five calls and visited the branch three times, spent hours on it, but to no avail.

I notified them one day after realizing the charge was made to a non-licensed, known credit card fraud, and a con-artist. Since then, the so called "merchant" that sent them a bogus invoice # 00001, has been incarcerated several times. I have submitted proof (twenty-three pages) of proof to them several times. They continue to side with the merchant- all this over $278.00. This con artist has taken over $20,000 and destroyed a condo, that has now cost above and beyond the original amount I planned on spending. My advice is read all the reviews about this card- sure it offers perks- but if you experience a problem- forget it- they couldn't care less. The customer service- when you are able to get through is horrendous. This thief remains on Facebook still recruiting new victims.

Luckily I am disputing only a $96 purchase. Purchased a wig and did not receive what I ordered. According to wig company returns are accepted if wig is not tried on. After back and forth correspondence between myself and the wig company with no satisfaction, I brought a complaint to the Dispute Department at TD Bank. All correspondence was sent to TD (emails between myself and the merchant). This correspondence had to be sent three times!! After repeated conversations with the Dispute Department I was finally told my case was in my favor and "Don't worry. Your credit card has been reimbursed the $96.00." Thought the matter was closed. This credit took about a month to be posted. Then I receive a letter stating that the merchant sent copies of my order (enclosing picture of the wig I sent them that I received and a copy of the order and receipt).

I have been deal with the TD bank lately they have double charging me for my safe deposited box and I have to call them they fix it right away and said I will not have problems no more but every year I have problem with that. I try to make a deposit in the machine but the cheques come back to me right away. So I tell them about it. And they say they never heard about it that has gone on for two months. So I call the bank that is on the back of my card phone number and they treat me like ** and no respect. And tells me to talk to that bank manager. That will not work. I will be closing my account.

Filed chapter 13 bankruptcy in 2015 never included TD BANK in bankruptcy. They stopped sending me monthly statements. No communication at all. I continued to make monthly payments every month using old statements. While under bankruptcy protection TD BANK sent me a NOTICE OF FORECLOSURE stating l was behind over 4,000, then 6,000 and went all the way to 10,000. Never wrote to the bankruptcy trustee to get approval to increase mortgage. My attorney sent TD BANK a letter to cease and desist because that was illegal. Then they sent a person out to take pictures of my home. For what l don't know. I called my lawyer once again and was instructed to let the person know that he is not to take any pictures and if he does he will be sued.

My incoming “wire transfer” was treated with DISGRACE and DISCREDIT by the AVP of this Department & her staff. My complaint that went on for “more than a month” of why I was charged an ADDITIONAL fee was just “brushed off” and ignored! My contention was on the basis that I had a TD Preferred Account with a “substantial balance” & should not have been charged an additional fee. The AVP rendered and displayed a “devil may care attitude”. TD Bank has the worst Customer Service in the whole of US!

Son is studying abroad. He was told at the bank, "Don't worry. You don't need to let us know." YET, twice his card has been stopped. After we verified the first time, shouldn't have been enough?! Mind you, they can't contact him because they are able to use out of the country phone numbers. The whole thing is ridiculous. I get it is for safety, but maybe it was easier when they just put an alert on accounts that you were out of the country. And Now we find out there will be foreign transactions fees beginning March 5. Just lovely. Thank you TD Bank!

TD Bill Pay where no one is responsible for what happens to your money, after using td bill pay back in December 6 2019 to pay my mortgage, I was informed that the mortgage payment was never received by my mortgage company which it happens to be PNC Mortgage another bank that could care less about their consumer since neither one of them will respond for my mortgage payment, very irresponsible people, no one cares, still to this day 01/18/2020 I have not received a refund for my money that was taken out of my account, lost and never received or refunded. Shame on you td bank and pnc bank.

I am on vacation in Puerto Vallarta Mexico. The bank was previously notified that we are in Mexico. However, TD has declined our debit card and put the card on hold because they supposedly have no way to verify identity. They do not have my cell phone on record. Oddly enough when I went online they texted a verification code to the cell # to allow me to log in.. Yet they have no record of that #. So here we sit with no access to our money.

I am so disappointed. I was so hopeful. For several reasons I was thinking of moving my accounts from Chase to TD. I set up a checking & savings account with TD last month. Setting up Bill Payment was SO cumbersome & difficult. I scheduled a payment, my first (and who knew, my last) on 1/1st, to be sent immediately. Per the system it would be received by the vendor on (est) 1/9th I checked with the vendor as the monies never left my account. I called TD Bank 3X. Wait time to speak to a rep was 30, 40 and 30 minutes.

Sent tax payment via their amateur website which was probably last updated in 1999. Funds sent via US Mail (in 2020?) and of course payment was late so I have to eat late charge. My money and investments along with several direct deposits will be in a REAL financial institution next week as soon as I can get them redirected. STAY AWAY.

Merchant dispute letter. Explained twice the situation got one letter saying that they may need further documentation. Never got a follow up letter, a call, or email from this department requesting the docs. Just got a letter yesterday stating they are going to do nothing and charge me $620 after I clearly explained numerous times I had analytics reports and emails clearly proving I was defrauded with email correspondence from the merchant requesting a refund. Amex would have had my back. Capital One has had my back. I told them I wanted to close my account and Carrie at the call center threatened to destroy my credit rating. To add insult to injury they charged me an overdraft fee. NEVER DO BUSINESS WITH TD!!! Incredible!!

This is the worst bank I have ever done business with. -- I am the owner of properties here in Brooklyn along with running a successful company - While applying for a home equity line of credit and having a credit score over 817- this bank has made invasive requests for documents unrelated to a home line of credit. Secondly this bank has provided wrong documents at closing requiring 4 return trips back to the bank to resign.-- As of today 1/8/20 my account is still full of mistakes.-- Also be aware you can only transfer $5,000.00 per day--along with the lost in outer space for days transactions. Wish I would have known.-- BEWARE!!!!

After receiving a letter in the mail as well as offers online, I opened a TD Bank Checking account which had a $300 promotion to it. I stayed on top of TD after meeting the eligibility criteria and was constantly told (online and in person) I just had to wait the 90-145 days for the bonus to be paid out. Reluctantly, I did just that until day 145 where I submitted a BBB case to have my bonus paid out. The explanation to why my bonus was not paid out is something you'd expect from a shady small bank practicing illegal advertising.

Deserves a -1000 rating. 1. They don't post the phone number on their business account page. Idiots behind the wheel here. 2. Functionality simply does not work. 3. It is randomly down right when you need it. 4. No notifications for overdraft. - You have to set them up? If it was convenient (they claim it's most convenient in the world??) they would auto have an alert for overdraft. Don't make your customer do it, they are the king! They put the customer at the lowest priority I have ever seen in my life. Want a call back? No chance, they cannot do that. Also, if you do not get their security questions exactly right on the first attempt. With exact amounts, they will lock you out for 3 days, when you just had a simple question. This is going to zero, or needs a HUGE, HUGE MASSIVE rebuild.

TD Bank claims they are open 24/7 but it is not true. Can you go into a TD branch for any business at 6 am? If it is about ATMs, they have malfunction issues most of the time. TD Bank does check processing at midnight and if you are short a little in account balance you will be imposed non sufficient penalty immediately or checks are bounced unpaid, while other banks let you whole day to bring your balance to positive. It is big rip off balance.

Waited on hold 5x for 30min to where it just disconnects. This customer service department is a joke. DO NOT USE THIS COMPANY FOR ANYTHING. They OWE me money (via a credit in my account) and I cannot contact them. BEWARE of these CROOKS.

I made a $7,000 furniture purchase which uses TD Bank as their creditor. I hadn't bought furniture with them in a decade and had the account already set up via another bank which they stopped using, my bad, so I got charged a $27 late fee which they waived. The amount they told me to pay to satisfy that month was incorrect, so I got charged another $27. Now I'm not getting bills either. Will not do business with the furniture company again if they continue to use TD bank, horrible customer service.

I applied inside a branch in September. My home is currently valued at $350,000 and I was looking to borrow $25,000 only while the current remaining balance on my loan is $50,000. I uploaded tons of documents. Every time something else was pending or needed, I was the one who had to contact them. Needless to say after 4 months of back and forth, the agent handling my loan (who also yelled at me at a previous occasion) advised my loan had been denied. The issue apparently being proof of employment which I did submit. When I called to inquire since all my voicemails and emails had been ignored, she advised I would need to resubmit and re-apply for the loan. I will NEVER use them for anything ever again. Terrible customer service and follow up.

On Wed. Dec 18th, at 6:45am, I deposited $130 into a TD Bank machine, like I had done so many times before. The result was not what I expected. The bank machine display said to me that "No money was detected." And that was it...no receipt, no explanation, nothing. Just walk away right? So, needless to say, I was perturbed. I needed to put money in my account in order to go online and pay my bill. So, I went home, and waited until 8am for the branch to open. When they opened, I went to the "Welcome" desk and asked the man working there to please get the manager. BTW I audio recorded the whole conversation for my own protection because these days people aren't too honest and one never knows what another might say later on. The young man got the manager and I explained to her what happened. With a quite callous response she informed me that an investigation would need to take place.

I tried to get into my TD checking account to pay my TD Visa bill. 1. I phoned TD Banking Online (1 888 751 9000) to add a phone number to receive the Security Code Verification. The operator immediately locked me out of my account and said that she could not verify my identity (because the account was locked out). I talked to a supervisor who was rude, dismissive and not helpful. 2. I contacted my branch (the staff there is always very helpful and pleasant to work with). They unlocked my account and I should have no trouble getting in my account via online banking.

TD Bank is great for one thing.. their checking and online banking. It stops there. Attempting to do any other line of business with them can be a nightmare. They encourage you to do other business lines with them, but then make the process frustrating. I gave up after 2 different attempts. I will keep them for checking. Beyond that, I bank with other institutions. The so-called "legendary customer service" has NEVER been on par with their predecessor, Commerce Bank. But again, their checking is great!

Payment pending. Would have over-drafted. Didn't. Rushed to deposit money. Day started positive balance. Ended positive. Negative balance never posted. Doesn't matter. ALMOST= Horseshoes and TD Bank. $35 fee. Nearly 2 decades of banking meant nothing. Bye.

Out of all different banks that I have dealt with, I have experienced most issues with TD Bank. I have personal banking account with TD Bank. My kids have student account with them. I have business checking account with them. Both my personal and business accounts I have nothing but issues when I want to get my money back from them - either cash withdrawal or wire transfer. I can say no issues with my Kid's student account.

More than week ago my TD interact Machine stopped working. Still could not fix and denied to give me loaner machine. TD have 3rd Party technicians. They have to order and wait for parts. I have been kept calling to customer service 3 times every day. They said there are called centre sitting in another country they can just send email to Canada. I pay rent $47 per month for interact machine through TD. Top of that all hidden charges that comes to me altogether almost $89-100/month. I do not Recommend TD Merchant Solution. They ripped off.

This is the worst bank to deal with. Especially when it comes to credit card service or support. You will always wait at least 1 hr on hold, can never talk to someone that can help, I repeat "that can help". It's always, "Let me transfer you." Plus, their balances are way off. I am being billed thousands above what I purchased and no one can help resolve it. Stay away. I would pay off the balance and never deal with them again, but if I overpay, I will never see my money again. I am on my 4th attempt at speaking to someone and am on hold now for 55 minutes 19 seconds. Very frustrating.

I am writing this review if someone is looking for some honest review about TD bank. I am TD costumer since I came to Canada and all my services is with TD. Have been with TD for so many years and never felt happy to being with them. So many events I have been disappointed with their services. Among many problem just one example I want to mention is: Recently they had some glitch in their easy web service as I was trying to e-transfer the money to someone. I stopped trying because it was showing error message and requesting to try again. Later I received confirmation emails from TD that transfer completed for more than one time. I called TD and they said “Oh We are experiencing some technical problem”. I spend one day to get those my money back from that person whereas TD didn’t even do any follow up if I received my money back or not.

TD Bank on 2 separate occasions has stolen money out of my account to pay a company I have no relationship with. I have never had an account with the company they keep paying on my behalf. They hold up my money for weeks causing me hardship and my actual creditors to be paid late and I’m accruing the late fees. Due to their actions this month I will lose my health insurance. I’m trying to find out the name and address of someone in their legal department so I can have them served. Any help would be greatly appreciated. Thank you. I have tried to gain this information from td bank but they will not give it out, I did file a fraud claim with the police department. Lisa **

I work with a carrier and needed to obtain a LOG. I sent the request a week or so ago so I called to obtain status. After holding for 20 mins, Shaquanda in customer service answered, I gave her the information she needed and she stated the info was incorrect so she would have to transfer me to someone else. I asked her to please reverify the information and she stated "I can not help you, I will have to transfer you" in a stern voice. Worst customer service EVR... Each time I call I am holding for over 20-30 mins and the reps are all rude. Just throw the whole company away and start over.

I've Banked with TD Bank in Canada for 35 yrs. So while living in the US, I was happy to open my account with them there. One day I went to sign on to my online acct. and it said I didn't have an acct. I thought it was a tech error, so I called the bank. The lady looked me up and said, "no you have an account, let's have a look", then she said "Oh, it looks like you've been shut down". I was shocked! I always keep a minimum balance of 3,000 in my account. I've never bounced a check, nothing. I asked, "Why?" She said she'd need to check with her supervisor. Then came back and said "I'm sorry. I don't know why your acct is shut down, nor did her supervisor". She then offered me a phone number to call.

I called customer service today to change my address because I am moving in 2 days. The man asked me to verify a resent transaction including amount and date, so I did. But then he said he couldn't verify it based on that, so be wanted to pull my credit file. I refused to let them pull my credit, and he said there were no other options and was very rude and condescending. I hung up and called back hoping to get someone more helpful only to find out that the previous guy had locked me out of my account (so I was not able to talk to customer service.). Customer service and the supervisor I insisted on talking to told me that their hands were tied because the other rep had shut down their ability to pull up my account. I didn't even realize something like that was possible.

They charge account fees without any notification and illogical reasons. You can open accounts with your wife who doesn't speak English but you can't help her on the phone. They make it almost impossible if you want to close the account on the phone. Worst customer service I have ever seen in my life. Agents act as if they own the bank.

This TD Bank credit card used to be good years ago, not you almost get nothing back. Not worth the trouble anymore. You cannot make changes like you address online on their website. You have to call them for everything, because they do not have internal email messaging to send them messages within your log in. Very behind the times. I have told them before, not to mail me checks, but they do it anyway, I am tired of calling them. I do not want these checks to get into the wrong hands, plus I am moving.

I paid of my line of credit more than a month ago & I paid some what over to be secured & I got told I will get it back within a week & lot of other promises that they sent out check already & the story don't have a end.

My girlfriend and I opened a TD Cross-Border account a couple years ago. She's in the US often, and we use it for travelling as well. She lives in Canada, I live in the US. I've read a few reviews here about the "good service". I can only surmise that those people don't get out of the house often, or are relatives of TD executives. It's absolute BS. This is the worst bank I've ever dealt with by a LONG shot. I guess that's what happens when you allow monopolies. TD Cross-Border has been trying to send us a new debit card for about a year. We just wanted to add a name to the original one. Luckily we have one that works. I was told, "You need to visit a US branch." I'm in Detroit. The closest branch is in NYC.

This bank is not even a semblance of what it was originally when they were Commerce Bank. At that time I thought that they were the best bank I ever dealt with; and at the time they were. I was impressed with everything they did as Commerce and recommended many people to the bank. Everything was geared to the customer, from accessibility to no banking fees to customer service. I can go on forever. Then there was the fatal takeover by TD and the commercials by Regis Philbin promising that everything would remain the same. LIES!!! They have now deteriorated to a level of pure garbage. I'm writing this while I've been kept on hold for an hour and still waiting for a representative to get a "supervisor" that would help me with my online issue. I truly believe that they're waiting for me to hang up or that my phone to die. I am definitely leaving this bank.

Hello I have a Samsung account through TD Bank. I was human and forgot to pay the bill by maybe 5 days. I paid for Oct and Nov so there would be no issue in the future. They took all of my remaining credit and deleted it, in return messes with my credit score. I pay on time minus this one instance. TD has also charged and removed late fees that were applied days before the due date. I know I made a mistake by paying the bill a few days late, but taking over $2000 of available credit away really plummets a score.

Used a TD Bank debit as primary access to funds while traveling in Europe. Huge mistake. Account was repeatedly locked in spite of travel notice and plenty of money in account. On last day of trip account was locked again and in spite of four calls to customer service account remained locked as they couldn’t verify account through email. Using international SIM card meant I could not receive the verification texts. They were unconcerned about the fact that I needed to use the card immediately to catch my flight on time. They kept saying wait 24 hours. Unbelievable. Very very poor service. Closed account as soon as I got home.

The app is absolute garbage. I go pay to pay my rent and it tells me "sorry try again later". It's like "okay but rent's due today. Real convenient app." Plus it says remember me on the password but never does. The website is just as bad and has the same problems. I wish I could meet whoever made this app so I can tell them they are a failure at life.

Back in December 2018 my account was hacked into. Their teller accepted a withdrawal in a large amount without asking the person for verification. Therefore, leaving my account at a negative. When I went to report, the manager accused me of filing a false complaint. After it was resolved, I was told that my account would be closed due to fraudulent activity.

My name is Dilenia **, I am a customer of TD Bank, on October 30th, 2019, I noticed that I was charged two $35 of overdraft fees, not understanding why I called customer service for an explanation. The representative immediately advise me of my account being negative which I was already aware and I was also charged $105 overdraft fees within a period of 3 days, which I am also aware of the charges and I am in agreement with the charges. My issue becomes when I am charged $35 overdraft fee for a .99c charged and another $35 overdraft fee for a $4.99 charged. I feel these charges are unreasonable and decided to call customer service for my options and they told me I had none.

Please stay away from getting a credit card/financing through TD Bank. They are here to con you with the slightest of opportunity. I had purchased this HIIT from Proform, financed through TD Bank and had got zero percent interest finance. Unfortunately, the promotion period got expired in the month of March '19. Since, I never got any monthly statement, I wasn't aware of this. All of a sudden, when I saw the balance of $850 through my Credit Karma report, I was in for a shock. Called up customer service, and got to know that I have paid almost $800 in interest for the bike which was priced for $800. The customer service is not willing to waive off the interest charges now.

There is no way to access account in foreign country where the cell phone does not work. TD bank only gives choice to send the security code through text message or phone call. Both require phone connectivity. All other businesses I deal with always have EMAIL option. WIFI is widely available and I can use my desktop computer almost everywhere. Countries I have visited and not able to access my accounts are Thailand, Malaysia, Vietnam, Sri Lanka, Singapore, New Zealand, Australia, Cambodia, Japan. All these places have free WIFI in hotels.

We had checking and savings, took a $25 "maintenance" fee for checking average daily balance dropping below $2500, got it refunded, next month took another $25 fee for ADB at 2499.21, would not refund, took all our money out the next day, guess fees are more important than keeping customers happy.

I open an account with TD Bank last year and I have never had such a horrible experience with a Bank like am having with them. They hold my workplace check for 9 days even though they claim to have your back 24 hours a day. I deposited the check 4 days ago and I still haven't been able to pay any of my bills. My Electricity is shut off. My phone will be shut off soon. It's a complete disaster. I would not recommend this bank to anyone because you deposit thinking that with all the technologies they will clear your check within 2 or 3 business days like a normal bank would but not, they have other plans with your money. Am sick and disgusted by their services. Everything about 24 hours working for you it's a lie, so sad and disappointing that am going thru all this because of TD Bank.

WARNING TD Bank’s Management employee does NOT DISCLOSE. Admin please delete if not allowed. I got a letter from TD Bank on July 15th that they want me to close all my accounts and go elsewhere on by August 19th, 2019. I called the telephone banking center and they were not aware of any such notice. They recommended I walk into my branch with that letter.

I was notified today by another bank (Ally Bank) that someone posing as me (via identity theft) transferred 8K from my TD bank account to the Ally bank account they set up online using my name. Here's the problem... TD bank never found this online transaction to be suspicious or fraudulent nor did they take time to call me (their client) to verify if I in fact did want to transfer 8K to an online bank via a new account there. This would have been out of character for me to do, so the RED flag should have been raised and the transfer shouldn't have been allowed to go through.

Called local branch to find out how to handle non-delivery of new checks from Harland Clarke. Person answering phone handed me off to branch customer service who then connected me to 1-800 call center. Their response was for me to call the check issuing company who had already placed a charge on the account for requesting proof of delivery. POD link said checks were returned to supplier. After an argument re why I had to contact the check company chosen by the bank, I was given a refund of the charge but no answer as how to get new checks. After telling a supervisor I was unhappy with the check provider who took way past the 7-10 day delivery promise, I was told I could chose any check printing company I wanted so change the company printing my checks.

I’ve been banking with TD for almost 3 years! I will now be closing my accounts on Monday! I was just told by a representative that reordering my transactions is not illegal and basically too bad. As an example if I have $200 left in my checking account and make a $5, $10 $50 and $200 purchases in that order when they pull the money from my account they pull the $200 charge first so instead of owing them the $35 overdraft charge I should I now owe $140 for each purchase I made. Supposedly they will only charge you up too 5 overdrafts in one business day but don’t count on that because they will just hold other pending transactions to the following business day to ensure they can charge you more! So in the last 5 days I’ve been charged just under $700 in overdraft fees (95% of my transactions were under $10 coffees etc)

Horrible customer phone service. Couldn't find my account number. Gave them all info they asked for and more, then designated me as unable to verify info when I called back with account number and refused to discuss my problem and told me I must now drive to a branch. People at customer service horribly rude. I have closed both my accounts with them and couldn't be happier. Screw you TD.

Why do I need to be in the country and go directly in a bank if a secure message said to verify myself and I did so over the phone? I gave every piece of information they asked for. Then was told to rectify my issue, I have to go into a bank directly. After almost waiting an hour for the call to be answered, speaking to 2 people. Someone referred this bank to me and honestly, I have been very disappointed.

I have left TD Bank due to the fact that if I went and deposited CASH, they would hold the funds as "pending" until the next day. So, with the understanding I had available funds, would spend money using my debit card and get hit with overdraft fees! Not only that, they re-prioritize to have payable first, then deposits (even when depositing cash). So, if you make a deposit and deduct on the same day, they will take the deductions before crediting the deposit. So, that $20 in fuel you put in your car Friday afternoon after you deposit a check might just cost you $55!

I set up direct deposit and they never took my payment. I called them because my statement clearly states that my direct deposit was set up and the website showed my payment was pending. They wouldn't pick up and my hold times were over an hour. Never was able to resolve this. I took pictures of everything and kept my bills. Hoping they do not take multiple payments from my account. They also locked my online account now and of course you can't unlock it without calling customer service. The whole experience AND company is a joke.

Okay So I Got My TD Card Last Week & Ordered A 3 products off wish. With it I also opened a Paypal account with my account set up to it. I downloaded the TD online app so that I could keep track of my account. I logged in, came off the app, went back on later and it was not accepting the log in information so I had to change the password... I had to change it about 3-4 times... only to see it saying that something is wrong. I need to talk to someone. I called. They said to go to the bank. I went to the bank and they are telling me that the FBI closed down my account. And I can't open another account with TD. I really don’t know why and I really don’t understand what is going on. Why was my account closed.

Poor service, racial profiling, discrimination, and racism. I voiced my concerns about the poor service, my observations, and concerns. The entire time I was sitting down. I never used foul language, and no threats. She did not like my tone, and what I had to say which was only the truth. I am sitting down, closing my accounts, and she calls the police. The police! She had absolutely no reason to do that, no laws were broken. Why do ** people always call the cops on minorities! Why? They must like having minorities shot, and killed for no reason. I have more education, more degrees, and licenses than her. I would never jeopardize my name, or family. What she did was false, a false accusation. She had absolutely no reason to do that except out of spite, vindictiveness, and plain evil!

If you ever make a mistake & they charge you a late fee they will only MAYBE refund it ONCE during the whole 30 years!!!! What a greedy company. I'm very disappointed in them. I will not recommend them.

I got a credit card from TD Bank and after one month my card was stolen and had fraudulent charges on the card. The minute I saw that the charges were on my card I called and reported them as fraud. Over three weeks later I got a letter that told me that they believe that the charges were fraud. The charges on the account were for an AT&T bill, McDonald’s and to Amazon purchases. The AT&T bill was the most confusing because I don’t have AT&T nor does anyone I know have AT&T. The Amazon purchases were going to a different state than I’ve ever even lived in and were used with my amazon account.

In December 2018 I was sent a promotional email from TDBank guaranteeing 2.5% interest savings account. I did all the things they required for the promotion. I opened an account. I deposited new money meeting the minimum deposit and I made a minimum of 3 transactions per month. TD Bank failed to honor the 2.5% interest rate they guaranteed in their promotional email. As of today, I've had my account with them for 6 months and only 2 of those months did they honor the 2.5% interest. When I called them to find out why I wasn't getting the interest, they said they would go back and manually add the interest for those months it wasn't honored but I would no longer be getting 2.5%. They would, however, offer me 1.7% for the next 60 days and then I'd drop down to 0.005%. Stay away from this bank!

If you get a gift card from TD Bank and you don't use it within a year you will lose your money. They apply administration fees! Never heard such of thing. I wanted to use my card for a special day and now the balance is zero. I am telling my friends not to buy those cards.

My local branch is great. I need to convert some US money into Canadian money so that I could go to a broker who charges less than half in broker fees than the bank. I am a long time customer and my local branch had no trouble accepting a US check and giving me cash to take to broker. Once I converted to CA, I deposited the money into my normal Canadian dollar account. I do not live in Toronto where the broker is. I went to a TD bank near the broker to convert more money. They refused to honour my US cheque. They wanted me to deposit it into my Canadian account at a loss of about $100 compared to the broker. They offered to see if they could match the broker's rate but only knocked off another $20.

Made some purchases online, as I do multiple times per week with my TD credit card. One of the purchases was blocked by TD fraud department and thus my card was unusable. I called the fraud department to release the block. The customer service agent verified my information and all transactions -- great! She said the next step was to send a verification code through text message to the number on my account. She said that although the number is attached to my TD account, she could not send a verification code. I still have no idea what the issue was but her only solution was for me to go into a TD Bank location to verify my credit card although there are NO branches in my state.

A sum of money was stolen from my bank account minutes after a fraudulent cheque was deposited into said account. I made a report to TD Bank, after 14 days my claim was denied. There was no sympathy, no advice, no information, no paper trail given. I am very disappointed with this bank. It is unfair that they expect me to simply walk away from my money that was stolen. I think the bank should do more to help persons affected by fraud and give customers more thorough feedback on their findings. I will NEVER bank with TD again. I do not trust them to protect my money. If I wanted to lose my money I would keep it in my pillow or under my mattress.

Is it me or every time I call TD customer service they say I have to validate myself, walk into a branch to do so? This is the third time in three calls. And, their supervisors are the most useless people in the world. One day I asked a representative who couldn’t help me to speak with their supervisor, of course the supervisor couldn’t either so I asked the supervisor “What can you do that a regular representative can't?” She said “I’m only here to give a second opinion”. WHAT!!! So you're basically useless. I also think it’s more to why they can’t help me but I want to leave that for someone who can help me file a real complaint. Anybody who can help me get this complaint to someone who can take action please let me know.

TD Bank is the absolute worst, my husband and I combined have banked with BMO, CIBC, RBC, and TD. They target students and immigrants yet their customer service, care and retention are terrible. My husband experienced a fraud on his account and after countless phone calls, two meetings with managers they are claiming that he did not report it....yet he has a claim number from the fraud department when we call. AVOID BANKING WITH TD AT ALL COSTS. Take their promotion to another institution and they can likely match it.

TD Bank did not protect my money. This happened in January. It's now August and I do not have my money back. I've been a good customer for 10 years and that didn't count as anything. I was scammed by a company who claimed they would send me a free bottle of Keto pills and all I had to do was pay $4.95 shipping. There was no agreement. There was no fine print just "click here to receive your keto pills." They said it was from the show Shark Tank. I was interested so I ordered them. I received them Plus a different bottle of pills that they charged me an extra $3.95 shipping. I wasn't going to dispute the the second bottle because it wasn't a lot of money and I really didn't need the hassle. One week later I got charged $160 from the keto company. First I researched the company and found out that there were many complaints of people who been scammed by them.

WORST BANK!!!! I have never been so annoyed in my life!!!! My debit card expires 9/19. I called to get a new one because every bill I have from my business and home is attached to that card. They tell me they are sending a new one, it will be here in 10 days. GREAT! The one I have wont expire...WRONG!!! They shut down my debit card, ALL my bills bounced back. I cannot get money out, I cannot buy anything online. I have NO access to my money unless I go to a BRANCH which is 45 minutes from where I am... I literally have no access to any of my money. When I called they said it's because it's a different expiration date. Ok, great. Can I have the new expiration date, "NO" they said. "We can't give that information!!!" SERIOUSLY!!!

I opened both a personal checking account and an account for a parent's estate at TD. The staff at my nearest local "store" are consistently friendly. The assistant managers are helpful, and the bank's weekend hours are very useful. The online banking tools provide basic functions. However, for more than a year, I have consistently found in-person service to be slow and unpredictable. I have been unable to get documents and information I need via TD online banking, and several times I have been bounced between phone support and in-person support as I tried to resolve loose ends in my father's lifetime TD accounts as his executor. I would not recommend using this bank for any business more complicated than simple transactions.

These people are diabolical when a mother or father passes away. They don't care. Their main interest is to keep their cash collecting interest while creating excuses.. More paperwork needed, the person in charge is on vacation, the seal cannot be read, you need this document this day, the next week they can't find it, you need this other document now, whoops, lost that one too, "I will get Anna to call you back on Friday." NEVER does, EVER. You call, new excuse, she's away until end of month, you need this paper. NO you have it already. OH, we can't find it. You need another! Months pass away. These people are INSANE, DIABOLICAL, LIARS, and THIEVES that ENJOY making your life miserable..

I’ve been using TD Bank's online services for approximately 5 years without a problem. I can transfer money from my checking account within TD and to non TD banks. I love their mobile check deposit service... Very convenient! I pay almost all of my bills with their bill pay service. Their staff is mostly courteous and they are open more than my other local banks. One amazing feature that my previous bank didn’t offer is TD’s ability to very quickly generate a bank card at their branches. Great bank. Thanks.