TD Bank Reviews

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.

TD Bank had been right there for me in all my banking needs. It's fast and easy to track your money along with any transaction you may have. Online banking has never been easier. It's been a pleasure to finally have a bank to settle into.

Filed extremely legitimate disputes with detailed pages with documents of over 50 pages in some cases and their dispute dept is wildly incompetent. They don't call, and if they do call to follow up they lie and say they left a voicemail. The investigators from fraud and claims I was told by a manager after enough complaining that all the fraud and claims investigators are outsourced to another country and possibly not even in the same company. They review your case and all they do is make an assessment about if they send your case to Visa for a dispute will they definitely win or not.

Great service from its employees on every branch always, they greets you with a smile on their faces and willing to help without thinking about it. Accessible branches throughout all Greater New York City area and they don’t overcharges the customers and what is even better, they’re up to date with the technology.

Our company account had an incoming wire transfer on 7/19 for over $ 6000.00. Our company name was not fully stated in the wire (I learned this on the 7/26 visiting our TD Branch office) instructions therefore TD requested an amendment which was sent on 7/29 to TD by the wire sending bank. According TD this was not received therefore it was resent on 2nd of Aug. again. On Aug. 4th TD stated again it was not received. This transaction handled by TD wire dept. is beyond any words. First of all originally the funds arrived to our account in 2 days and the sent amendments were swift sent the same way it had to arrived. I have never got any email or notifications from TD regarding the uphold status of this transfer.

I only use it to check the account. No transaction. To see what checks was clean, balance and able to project. No service fees. I can't say anymore than that. I was just introduce for I to check, they need to send via text a number I need to enter to get in.

I have had TD bank for about a year. They had provided good service up until May 17. Following that every time I logged into my account they sent a one time use security code by phone. I am traveling Internationally and while I should be receiving the message but am not due no phone signal. I cannot call the on that number either which would be free. Calling on my Costa Rica phone costs $4 a minute. TD puts me on hold 10 to 15 minutes. That's $40 to $60 before we begin talking. I keep saying please no more security like this. I can handle things and will let you know if there is a problem. All would be corrected if the code were sent to my registered e-mail. And while my e-mail is as secure as it gets, anyone with a scanner can receive my phone calls and texts. Little good that would do them.

Great service. Great atmosphere. The hours are the best so that you can do your banking when you want to do. It is a very clean environment. Coffee or tea is offered for those who would like to have one.

I received a statement from TD bank stating my checking account has a -$32.00 because of two $16.00 service charges on a zero balance account. The problem is I do not or have I ever had an account of any kind with TD bank. When I called to try to find out what is going on customer service would not help me because I would not give them my SS #. I tried to explain to them that since there seems to be some kind of possible fraud I am not about to give my SS# to some company I do not know. Next I was told that their fraud dept. had probably caught this and they were going to deal with it. Why would someone open a checking account in my name when there is no money involved. I think this must be some kind of error or whatever on the part of the bank. TD customer service was not helpful at all.

Online banking with TD is good. It provides secure connection and web site is clear and easy accessible. Rarely had any issue. I can deposit my cheques with mobile app. Customer service is great. Can review my last 1 year statement. Can pay my bills online.

Have dealt with this bank for decades without a single problem. Statements are clear and easy to understand and reconcile. In person contact with numerous branches in VT and FL easy and staff are always helpful. Only one downside, as I have considered cash in checking account, I wish they would make a concerted effort (reach out to me) to offer CD's or other products that would earn income.

I like the convenience of online deposit with a check picture but otherwise their fees are outrageous. Their balance requirements in order to avoid fees only fit the rich and wealthy. They pay $4.99 for a debit transaction that they should have decline and charge you a $35 fee. That's robbing a customer. If you have pending money and a transaction comes through they still charge the fee. There should be a bank that has the poor in mind.

This bank kept charging me late payment even though I signed up for auto payment, then the deny that I signed up for auto payment even though my sign in bank web site says I am enrolled in auto payment. Stay away from this bank.

I had two attempts with online theft from my account in the past year, TD immediately rectified the situation before I became a victim. Also I received reduced rates on bank services such as unlimited chequing, certified chequers, when I turned 60 years.

I have included a car loan TD Bank/TD Finance upon my past court loan while fully being firm & not flexible with monthly amounts being included. I also had included medical areas for interfering my monthly amount for additional charges, but they have logically allowed their reductions while working within a family business style & not our rip-off style within many other Auto Loan areas.

This is the worst bank I have ever dealt with. 800 Customer service is rude and inexperienced and wait times are typically in excess of 15-20 minutes. TD Bank also charges excessive fees for EVERYTHING. Other banks have fees (lower than TD Bank's) but with easy ways to avoid them - NOT TD bank. You can do much better elsewhere. Online account management is one of the most cumbersome interfaces imaginable, and every time I sign on now I am prompted for my fingerprint, even though I have said NO probably 1,000 times. I'm done with this bank.

I am paying down a mortgage that I have with TD BANK. Each month I call in the extra payment that I transfer from my checking account to the mortgage loan. On a regular basis, this bank doesn't not follow through accurately with my request. Instead of paying the entire amount to principal, "they" split the payment between principal and interest. It takes numerous phone calls to Customer Service to straighten out the situation. Even then, I need to follow up by going into a branch and requesting that a Customer Service representative contact the "mortgage department to rectify the problem." The process is burdensome and requires too much time for a simple transaction! TD Bank is not set up to handle these type of transactions! As soon as I pay off my mortgage, I will close my accounts!!

I have used TD Bank for 4-5 years with no problem until this month. I split my time between Florida and Thailand and when I started my annual stay in Thailand this month I was asked to obtain a security code several days later. I have a USA phone number here so I don’t anticipate a problem but there is a big one because I was unable to receive a code by text or telephone. Customer Service was very unhelpful and one person suggested that I have someone in USA receive security codes for me which is ridiculous.

I had placed a stop payment on a payment over 2 weeks ago. I was concerned when I had called to get it processed. Rep stated she processed it and will not go through. Even confirmed the name and amount with me. Here it is today 7/18 the payment I placed a stop payment on had gone through. I called the bank and rep I spoke to stated the rep had processed it incorrectly on her end with the name of the company. He apologizes for her mistake and stated his supervisor will not refund me the 459.00 they took out on their huge error.

I purchased my automobile 11 months ago from Benson Fiat. They finance through TD Bank. They were very helpful with getting me the best rate so that my payment was affordable. I also had very short wait time, my financing was approved really quick.

I have transferred my credit card balance from another American Express to TD. It said 3% transfer fee for a whole year 0 interest rate. This is completely a lie. If you still using the TD credit card at the same time, when you pay your purchase every month. The money won’t go to pay the purchase you make, instead, you pay the whole amount of money including the balance transfer. I wonder why I pay my purchase every month and I still have to pay interest all time. I called, what they said if I still use the credit card, when I pay my purchase, the money won’t only pay the money I spend. It has to pay the balance transfer money as well. And if I need to stop the interest, I have to pay whole amount including the balance transfer. But in the ads, they said "0 interest" for a year. Now they ask me to pay the money back to stop the interest after I paid 3% transfer fee. It’s totally a lie!!! No more TD for my life. Goodbye to the business.

Someone order a Capital One credit card under my account but not in my name. My balance is now -1000. I called they said they close the account. To go to a department store and get a new account. I did, I then ask them, "Okay since I got paid today are you guys going return my money?" They said, "Your case is pending. We need to wait for it to be resolve for." Why do you guys do this, why do you guys acting like people don’t have bills to pay, rent, go to work or eat. What you expect me to do now, how will I work, how will I pay my bill? This is share **. I believe stuff like this should be their number one priority and instead of 10 days it should be more faster. “What you don’t like for yourself don’t do to other.”

I have been with TD Bank for over 10 years, started when they were Bank. One thing that is consistent is the customer service reps when you call the 800 lines are really not nice. This is not just one person but the people they have working in customer service are not nice and miserable. I never have a problem with the branch staff and they are always friendly. Because of this consistent poor customer service, I really have made the choice to go to another bank. It is a Legendary service alright. Legendary for its cranky miserable customer service staff. Try to genuinely execute exemplary customer service skills rather than sound like you are annoyed that someone called you.

I am very unhappy with your service. I deposited a check of $1449.99, the machine only read $449.99, on site representative and on site supervisor nor telephone rep and supervisor could do nothing to resolve my problem. They told me I have to wait 3 to five days in spite of me showing my receipt with check image as well as check receipt. I am very disappointed in your service.

Going on a year of "file a police report and we'll refund your STOLEN $$." (They caught the INITIAL fraud charge in a city I haven't been to in 15 yrs (last year) of $100(+-). Upon reviewing transaction history I find ANOTHER $400 worth of fraud (just off interstate of other cities I've NEVER BEEN IN in my 50 yrs in FL.) Then receive their determination (after police report is filed) "we've determined the fraud did not occur." (After they caught the initial fraud and made my Debit card inoperable as I attempted use of which how (I) Discovered I was defrauded. Way to go TD. You're the "most (INCONVENIENT) bank".

This insurance co does biz in Canada, I do not know if they also insure in the US but premiums are very good if you have a good driving record and good credit history. I have been insuring with them for 11 years and premiums have stayed reasonable. Claims are a bit slow to be processed. Otherwise great service.

I couldn't login to online banking because my phone number changed, and when I called customer support they couldn't do anything about it, and were extremely unhelpful. Apparently it's a common issue because the guy on the other end knew what the problem was before I stated it.

I just received a letter stating that they no longer wish to provide their services. They closed my business and private accounts plus 3 credit cards. No explanation just a phone number to call my account specialist. I called and he said they don't have any info and they don't have to give it to me. I was with this bank for 15 years. Have great credit rating yet l was treated like a criminal. This put my business in big jeopardy as the line of credit we had was very important for every day business. I cannot believe they treat customers like that. This is terrible. I took my business somewhere else. Never again will l deal with them. Be warned!

Why Bank with a Canadian Bank with minimal branches and high monthly fees in the USA when you can bank with Bank of America, 5th/Third, Chase or many other US banks without all of the BS Fees TD Charges and branches at every street corner? I purchase a company in PA recently that banked with TD and had a branch in the local town. In August, I decided to switch to Bank of America. We had 3 accounts with TD. I advised them in writing via their web portal on at least five occasions to close the accounts.

I don't understand how a customer service department could be run as poorly as TD bank does its telephone customer service. The bank really needs to hire some management folks who know what they are doing. Today's wait time is 20 minutes, and it's been like that pretty much every time I've tried to reach them.

I've been with TD before, when they were Commerce Bank. I was in the hospital for an extended period of time. I purchased a gift through Google for my daughter's birthday. It was never delivered. After asking my daughter several times if she received a delivery she said no each time. This was early 10/18. Being hospitalized I couldn't make calls for many reasons. I called TD customer service. I explained the circumstances and he never suggested to open an investigation. Meanwhile throughout this period of time I've spoken to many many customer service representatives and I've put together many pieces to the puzzle in how unscrupulous TD Bank does not help their customers!

I have been a TD Bank customer for over 15 years. It was called Commerce Bank when I signed on with them to give you some perspective. I am a loyal customer and have been in good standing with the bank for as long as I can remember. Recently, I have been having an issue with their overdraft fees because ONE charge clears in my account IN THE MIDDLE OF THE NIGHT ABOUT 2 HRS PRIOR TO MY DIRECT DEPOSIT. This happened 2 weeks ago and they reversed it, since like I said, I am a good customer. So, today is Tuesday and I notice there is now an overdraft fee that is cleared in my acct from yesterday. Now mind you, I am not wealthy so I do need to check my acct on a regular basis just to make sure everything is in order. With that said, I checked my acct yesterday and there was no charge for an overdraft fee, pending or otherwise.

I rely on bill pay from my bank as it is the only way I can keep track of everything in one place. I called TD Bank last week to let them know, and they said I would have to go to the local TD Bank and let them know the issue. I called TD Bank, and they said, "we have nothing to do with Bill pay, that is an outside company." I then called tech support, and they said it would be fixed within the hour. I called them again on Monday, and they said, they were still having issues. Today still not fixed. This is very concerning, as how do I know they have paid the bills I already scheduled.

The level of incompetence shown by this institution’s employees is incredible. TD BANK will not get any more of my hard-earned dollars. I will take my money elsewhere, TD cannot be trusted. Closing my account.

I call to get the 0% on the NordicTrack. I was buying it on NordicTrack website. They had my SS number, my address and I told them I was at my sister house and they want to send code to my home number but refused to send to my cell. I told I would call them tomorrow and my credit score drop 12 points when I woke because they denied me with 802 credit score. I just put it on my Citi Costco card. I'll never do business with TD Bank.

As an old TD customer, I want to share with you my last bad experience with a TD branch. There is a TD branch at Bayview and ** Plaza in North York, Ontario. There is an employee at this branch which seems to be the branch manager but her banking knowledge is less than a teller, even less than her customers. The employee name is "Jesica".

We called in to expedite a transfer by Zelle faster. The rep stated that TD Bank does not control the transfers and we would have to call Zelle directly. We chose to just use the card instead of moving funds but our card declined and we called in again speaking to someone else whom stated cannot verify my card so I provided my name for account verification. She then asked if she can send a code to my new phone number but then said she cannot use that because it has to be on the account for a long while, which is odd, so I gave my husband's number which has been on the account since we opened it and she said she cant use that either. Then said I can go to a branch to resolve, I stated, "There is no branch here in GA so what is another option?" She said, "Oh there isn't one."

I have been a happy customer of the TD Bank for many years.... until the past 2 weeks. My online Savings account was hacked through a trojan virus and I was defrauded of almost 6 thousand dollars. I reported the fraud immediately and was told by a Fraud Investigator that I would be reimbursed because fraud was involved. I have not lost my bank card. I have not given my account # or password to anyone. I changed my password 6 months ago. When I checked last week to see when I would be reimbursed I was told my claim was denied. No reason given. I am supposed to get a letter but I was told there would be no reason given in the letter either. I am appealing the decision because I am a senior living on pension. I can't afford to lose the money.

We went in to open a business account. The person we were dealing with to set up the account was rude, very unprofessional and even gave us the impression she didn't want to set up the account. We will never ever step in a TD bank again. Customers should never have to deal with people like this. If they can't deal with their customers with better customer service they should close this branch end of story. I have read the reviews on this branch and as I read this same person we dealt with today has a few bad reviews already on her. Seeing this just shows TD has zero respect for customers by allowing this person to still be employed there. Like I said never again. Oh and my family and friends are going to close their accounts with TD.

I set up a Bill Pay for an amount, five days before it was set to go out. I went on the app, went to pay a bill, chose the one I wanted to change, hit edit payment, and changed the amount and saved it. Instead of the payment being changed it sent the original one and the new one. Which resulted in me getting two overdraft fees (if the one was sent that was supposed to instead of both I wouldn't have received any) when I called they said it was user error. They said I had to cancel the other one to stop it. If that is the case then it shouldn't be an option to change it if you can't actually change it. I will be switching all my account next time I go on leave from the military.

Because I don't want to go through the hassle of closing my account, for the past TWO years I have tried to work with TD (associates, security and management) on my Online Banking problem. I cannot continue wasting 45 min-1 hr each week to access my account and this week I am closing my account. SECURITY? When I forgot my SS# the TD Associate was able to pull it up and read it off for me. In today's world of Internet Banking, if a bank cannot maintain their online accounts - then I have to wonder about the rest of their banking methods. Sincerely, CLTP.

I have tried to make additional principal payments and it is CONTINUALLY applied to my monthly payment. I have called over the course of the last 3 years at least 15 times to get things straight. Apparently they use a third party for input and they are unable to read "additional principal only" or see a yellow highlighted area!

More than 3 weeks ago my husband and I noticed two withdrawals from our account for a total of 8500 which we did not make. We immediately called the bank to report this and have been told and provided documents that indicate TD tellers in two separate banks in CT gave funds to someone who didn't have either our account number or an ATM card for our account and presented ID bearing an inaccurate driver's license number, incorrect birth date and a signature that isn't even close to the on file signature.

I left TD back in 2016 because of high interest rates and went to low fees bank. After getting a promotion and significant six figure salary increase, I decided I needed more services so I went back to TD. What a massive mistake! I'm traveling for work and a friend contacted me needing a temporary loan, I tried to email transfer money and my account was blocked for security reasons, sounds like a reasonable precaution right? I was informed I had to go into a bank while on the road to unlock my account, which I happily complied with taking time out of my very busy workday. Upon speaking with customer service at the bank the money transfer went through and I was told the problem was resolved, great right? NO...! Two days later I try to use the account again, once again I was locked out. I called into the help line and waited on hold only to be told I had to go back into a bank with two pieces of ID again. Like a complete fool I did.

I gave two chances to this bank in different point of time and should say they are consistently horrible. They don't deliver on advertised product values. Phone customer service is almost nonexisting. Customer serv reps have no answers to any questions and always sends you to the branch. But funny enough people at the branch also know nothing and cannot help. Each information I received in most cases was incorrect. Online banking and payments products are pre-historical, they don't have any convenient and new services for managing your payments needs. Both of my interaction with this bank ended up by terminating any relationship. Will never come back!

Please keep in mind when setting up voice recognition with TD Bank that if it doesn’t work you have to go to a branch to remove it. Customer service will not help you on the phone. This is not Americans' most convenient bank. Horrible service.

This bank is extremely predatory. They say that their online banking is not effective in showing your transactions, and that you should keep a check register. So they can hit you with excessive overdraft fees. I’ve gotten $400 in overdraft fees in one week. They process your transactions so you will you overdraft. They are not flexible, there are no limitations on how many times you can overdraft in a day. They will just keep adding overdrafts to your account. They only allow one allowance a year. There is no grace period. I’ve been giving them the benefit of the doubt for a year, and after reading these reviews where they try to divert me and make me feel bad, I’m glad I’m not the only one. Banking made easier...yeah right.

The absolute worst bank ever!!!! Shady practices! I work hard for my money and TD Bank has charged me for transactions I never made. And then they want to try and make me feel as if I don't understand how banking works. Complete frauds! If you work hard for your money and want to open an account where you feel safe & secure, DO NOT PATRONIZE TD BANK for your financial needs.

Buyer Beware. It has been 6 months since I opened a premier checking account with direct deposit at TD Bank and I still have not received the $300 promotion offer I received in the mail despite following up with TD several times. TD has fine print and other excuses and tricks to constantly delay or avoid paying the customer the promised incentive. I know of other banks that honor their promotion without the customer having to inquire and complain to get it. TD just uses the lure of a financial incentive to get new customers, and then once they have them, they don't pay it. Unscrupulous to say the least.

I am having a claim of money taken out of my account. I was told by the agent to go to the bank am have them fax the paperwork over to them. This women said she does not know the fax number. This is her bank. She could not help me. Every time I go to this bank the service is terrible. Get people who know how to do their job.

Rips Off Senior Citizens. My checking account was $3.00 short for 2 days. I am 65 years old. I get my part-time job pay deposited into the account. THEY REFUSED to help me with a $9.00 A MONTH CHARGE. THAT TOOK $9 FOR A $3 shortfall in the minimum balance -- NOT AN OVERDRAFT - just the monthly minimum to avoid fees. THEY MAKE $120 A YEAR -- on my money -- they could not help me out? NO RELATIONSHIP MANAGEMENT since the Canadian bank took over, NONE. Leave them, I am!

On April 6 2019 at approximately 9:45 am, I went into TD Bank at Kennedy and Eglinton and went to bank machine number TD 2032. I deposited $1,400 into the machine. The machine refused one of the $20 bills and it was pushed back out. The machine started to count and said CASH IS BEING VERIFIED. The machine was taking too long and there was no sound.

This bank is a joke, I called the customer service, and then talked to a account advisor called first name Sydney. I was a new customer and first time calling their customer service because I needed help to login into my account then they asked me to verify my password which I did not remember because I opened this specific account online and I never created a password there!!

I DO NOT RECOMMEND THIS CARD. First of all, it is TD Bank not Ally (itself) which manages this credit card - so you don't get the benefit of the consistently good/just service of Ally. TD seems to have a history of not fulfilling the "welcome bonus" of $100.00 and of course, they didn't honor it for me after I spent $1800 (advertisement is >$500) on the card within 3 months of receiving it. Furthermore, you cannot redeem cash rewards or even statement credit until you reach $25 in your rewards balance. Moreover, you're only going to generate 1-2% cash rewards on each purchase. I canceled my account after over $1900 in expenditures, and did not receive a dime in rewards. It's not worth it. Trust me. Get a Discover It or Chase Freedom - or ANYTHING ELSE. Terrible, terrible experiences with this card.

I emailed customer service a very simple question about my online bank statements and they responded with a copy and paste answer that wasn't related to my question. I responded trying to clarify, but received another copy and paste email that was also not related to my question. So I tried clarifying again using multiple screenshots and I DID NOT RECEIVE ANY RESPONSE. I then contacted the person's manager and DID NOT GET A RESPONSE FROM THE CUSTOMER SERVICE MANAGER. I continued to forward my question for weeks to no avail. I will be closing my account because TD clearly doesn't care about me.

I have had a bank account with TD Bank for years and it has always been subpar. But the final straw was when I went to a TD ATM to withdraw $500 and the ATM never gave me the money. After calling the bank they put a claim in to review the transaction. The employee I spoke to said it would help to call the branch to see if they found any issues with the ATM when they came in.

My card info was stolen. Someone bought plane tix with the info. Call canceled the card. Asked for my money to be returned. I was informed that I had to wait till it posted to the account and then I could file a dispute. Then I would have to wait 5-12 business days to see my money. So. guilty till proven innocent. Closed all account with that bank.

Deposited the check in the amount of $700. However, the ATM read it as $200, despite a clear designation of the amount both in digits, and in very distinct letters. I came to the bank two days later, hoping to have the issue resolve ASAP. Had to spend half an hour there the first time, filling out the request. A few days later, came back again, because the issue had not been resolved, and I was told to wait... 10 business days! In other words, 2 weeks! So the bank makes an error, the error is very obvious, as they can see the image of the check, but yet they refuse to release MY money to me! That's in addition to the fact, that this is NOT the first occurrence of that nature, there have been other instances similar to these, and there had already been a request made to report the faulty ATM. NOBODY cares.

I am extremely unhappy with TD Mortgage. My biggest complaint is that the online app makes no allowance to pay additional principal. If you add additional principal it will sit in the account un-applied for as long as 2-3 weeks. I have made calls, sent messages, talked to my branch manager to no avail. Furthermore I have been told 3 different ways to pay additional principal by using bill pay, all get the same result. It’s as if the bank set out to make paying principal down as difficult and inconvenient as possible to garner more loan interest. What they are doing is criminal. I am considering filing a class action lawsuit.

As I signed into my account as I did many many times before, they wanted to change my account to add my phone number for "security" reasons. Due to the recent disasters with Facebook, I decided to read the opt-out paragraphs. When reading the opt-out paragraphs I found out that they were using a different corporation, and it said "Fiserv and its affiliates may receive names, domains, addresses, password, telephone and device numbers the content of messages and data files and other data files and information provided by you and other sources in connection with the out-of-band authentication service".

So I guess TD Bank changed its BusinessDirect login and merged it with retail bank username accounts? I don't know but out of nowhere the website completely changed and does not have BusinessDirect links to login to my client accounts for statements. Now I'm locked out of the service for no reason at all. They had to "change my User ID" but didn't tell me what they changed it to. I have several clients that I do business with and am granted read only access to bank accounts. Now I've got to bother all of these clients to use their administrative access to correct TD Banks error in judgment. TD Bank is by far the worst bank to use for small businesses. Just absolute garbage.

TD Bank Stole My Money. Do not use TD if you value security. Someone used my card's info to spend $391. TD confirmed that no security info was used during the transaction (chip, zip code, cvv), but TD determined the charge was legitimate. I will not be getting my money without pursuit of legal options. I have been a cardholder at TD Bank for 10 years, I have never had an issue with fraud. Their commitment to security and customer loyalty is disappointing. Do not use TD Bank.

TD bank online service is the worst, unprofessional and rude. I have been banking with this bank over 10+ and the experience I got today from the online service I hope no one ever has to go through that. I tried to use my debit card to make a large purchased today and it was declined cause I went over my $2000.00 a day limit. I called customer service, the first person picked up hang up the phone on me so I called back. The second person picked up, said I wasn’t answering the right questions so I asked to speak to a supervisor, when he came on the phone he was no better. I felt I was getting nowhere with them so I jumped in my car while he was on the phone and drove to a TD branch so one of the tellers can look at my ID and explain to the customer service online supervisor that all the information I was giving is true. Well you would think that would work it didn’t! He still told me unfortunately the answers I provided was wrong and it wasn’t me??‍♀️

Went through drive-thru and dealt with a horrible teller. Her demeanor was pathetically a slacker. Called customer service to inform them of the situation and was told by Victoria that it was the microphone rather than the service. Victoria was speaking for the teller when she wasn’t present when the situation occur. Victoria must have ESP/PMS syndrome.

Today, my husband and I received letters about closing all our accounts in TD Bank, after 5 years being their clients, paying all the loans from these accounts, paying all communications and all expenses! Having there personal, general and business accounts! Naturally without explanation of the reason! How such a thing can happen to good citizens, for me it is not just inconvenience, but I consider it a violation of all human and civil rights! For 5 years they used my money, and now I have to transfer all accounts in two weeks and spend my time and nerves on it!

I open TD Bank checking account and I get the runaround and been told to go TD Bank branch which is one hour away from me and the rep told me that they couldn't verify me over the phone and I told them that and they don't understand. I called TD Bank rep and they told me that my account was fine - that I didn't need to do anything with the account. I called yesterday and I get told that my account was restricted and I cant gain access to my account. I was trying to get into my TD Bank account to pay a fee they asked me to pay and when I try to login it said "your account is restriction" for no reason. I feel like TD Bank is trying to scam people into banking with them. They up and decided to close your account without telling you.

Awful customer service. Very rude. My elderly mother made a simple math mistake (she’s in her 80s) and this bank charged her overdraft fees of over $700. Example: electric bill had 2 overdraft fees in one day. Did not have a chance to put more money in account. Didn’t know banks could do this! We had a very bad experience. No longer have account at this bank & never will!

This bank is the worst ever! My accounts were frozen and I was not even notified. How embarrassing when attempting to purchase items at a large food chain with dozens of people in line behind me. After inquiring why my bank card was not working, I was informed that TD Bank's fraud department would notify me. They never did. Two months later I was told that I made an illegal transaction?! Apparently, I was not allowed to have my daughter's tax refund deposited into my account. Interesting, since there was not an issue with that for the last two years!

I travel a lot and once in a while I miss a monthly payment or am late in payment. No problem - they charge a $35 late fee (make millions off this every month but ok fair enough). I typically make a $175 payment toward a balance of $3000. This month I received my statement showing I had a back payment of $72.00 due in March (Yes $72.00). Ok no problem with that. I also received a letter around the same time of past due payment. Ok got the point.

mbna.ca now requires a login phone verification, it sends a security code via SMS to mobile device (text) or voice message to landline. This procedure does not allow and block access to an online account for customers who travel and have NO telephone number or have NO access to the phone at the moment to verify their login. And mbna.ca does not offer any solution to resolve the problem it intentionally created for such customers! They offer you to call 1-613-907-3505 (when you have no access to the phone!).

I've had an account with TD Business for 2 years now and it's been the worst 2 years ever. DO NOT BANK WITH TD BANK! If you have money in your account and want to get it out (let's say you are on the West Coast and need to send a wire) IT IS IMPOSSIBLE. You need to locally step into a branch. I had to fly into New York so that I can ACTIVATE my account to send a wire transfer. I activated it and did not send a wire within 30 days. My account got SUSPENDED again! So now when I need to send a wire very urgently (it's been approx 35 days since I stepped into a local branch). I CANNOT even though I have already authorized TD business direct and allowed wires. IT'S MY MONEY, and TD BANK will NOT allow you to send it ANYWHERE!

DO NOT get or use the TD Bank credit card. You cannot dispute transactions online. You have to call them in order to dispute a transaction and it is a complete hassle. Also, I cancelled my card in Sept and a company was allowed to force through a charge in January, even though my card was cancelled. I disputed the charge and they outright REFUSED to take it off my account. There are so many better cards out there that offer more and are "with the times" - they are so old and archaic with the way they operate and their customer service stinks.

I was banking with TD Bank for 5 years. I thought they were wonderful. But something started to change at the bank after 5 years and I'm not really sure where it led to, except for very unhappy consumers. If TD Bank is not making money off of you they don't want you there. That means if you are accurate and make few mistakes they will find some other way to make money from you. They have become vultures in a sense. They sell out to anyone that you may have a discrepancy with on overdue debt.

If I could give this bank -5 star I would. I never leave reviews, but the fact that my husband I are experiencing what we are due to the negligence and inexperience of a bank employee I almost feel obligated to share so no one else loses almost $1000 to bank fees!!! It started with my husband joining my account. It took 3 weeks to get issued a debit card when it should only take 5 days or so. At least that's what we were told. After that inconvenience cleared up my husband went into the branch to close his account and finally pick up his debit card. He sat with Solange Queliz who told him numerous incorrect things. I know this because I fact checked her with another branch.

I took a credit line with TD bank for furniture I bought at Raymour and Flanigan and had 6 month deferred interest. When the 6 mos was due I had $1800 left to pay off. They charged me $600 interest from the amount I took not the amount owed which is robbery. I was not advised this and any standard rate is supposed to be interest from what is the balance. Customer service would not help, was rude, left me on hold so long so you will hang up when I asked to speak to a supervisor over 30 min. Supervisor would not assist or help.

In order to keep daily balance of my account up to agreement, I rushed to put cash. Still accumulated maintenance fee. Called to customer service. First representative was rude and firm, asked to speak to supervisor. Marcus, the supervisor had no better manners. He was ready to say me "bye" as to customer with my direct deposits and daily use of the TD debit cards. So be it... Bye, TD Bank with your rude customer service representatives. Hello, Chase!

I used to like banking with TD, I was with them for 12 years. But 2 days ago I received a letter from them saying that they were closing my accounts in 3 weeks unless I do it before then, there was a number to call if I had any questions and they would respond to me within 24 hours. Since they gave no explanation why they were closing my accounts I called the number. I got a call from TD the next day and I was informed that TD no longer wanted to do business with me. When I asked why he said that he didn't have that information. When I asked if someone who did have that information could call me back he said no and hung up on me. I don't understand why they won't tell me why they are closing my accounts and I don't think I've ever been so disrespected in my life. Because of the way they are treating me I can't recommend anyone bank with them. 0 stars.

My company opened an account at TD in Toronto in 2011. We no longer do business nor travel to Canada. We had a couple of thousands CAD remaining in the account which is now less than 500 CAD due to 39 CAD per month of fees. We tried to stop the bleeding but basically we would need to travel to Canada and go physically to a branch. We cannot wire using internet or phone. If we close the account they will mail a cheque to the address on file. We moved and in order to change the address we would need to go to a branch.

This bank has been the absolute worst bank I have ever dealt with in my life. When I first opened my account, the bank was still Commerce. After the acquisition is when things started to change. Due to misinformation, I was charged several hundred dollars in Overdraft fees. Their representatives are incompetent and give you the wrong information so that they can steal money from working class people. I have never had these issues with any other bank. I have officially closed my account and will not ever bank with them. I will also warn family and friends. It seems like several people have had the same issues. The way this bank operates should be ILLEGAL.

TD BANK decided to CLOSE my business account after being with them for 12 years! With NO explanation, NO warning, NOTHING! It was to close Jan. 25, 2019. I called the # provided, but of course NO ONE would tell me why they were closing it, and everyone I spoke to was indifferent. Like a robot. Today is Jan. 22, 2019. And, guess what? They ALREADY CLOSED IT! I do NOT have access to my account. And worse, do NOT have access to my business funds THAT I NEED TO KEEP MY BUSINESS RUNNING! Are you serious? Called customer service who was of NO help. They told me I had to go into a branch. AMERICA'S most convenient bank? I DON'T THINK SO! I believe this is bordering being an ILLEGAL closing of my account! CRIMINALS!

I got Financing for my Samsung Phone. Samsung was going to give me a $300 credit to send in my old phone. One day I was looking at my account and saw that it was charged an additional $300. It was because they never got the old phone back. That is because they never sent me the call tags to return the phone. They stated they sent me 2 emails with a call tag to send the old phone back. I never received them. Samsung even stated they could see that I have opened all my emails from them except those 2. I NEVER got them. So after several months of fighting with Samsung the manager there his exact words were, "Sue us!". Really??? This is from an employee at Samsung who even agreed with my issue?

I have banked with TD Bank for a couple of years now, I called the number on the back of the card, to check the balance, and to my surprise I had an overdraft fee of $20. It gets better. After several hours went by I called the number on the back of the card again, only to find out now it’s $120 overdraft fee. I’m furious now, so I called to speak to a representative, which whom I spoke to a young lady in New Jersey. She assured me there were no illegal activity going on with my account, so I asked why wasn’t I notified about this overdraft via email or text message. She then stated, "Oh we can go over your transactions with you," I then stated I will be closing my accounts here. If you’re thinking about doing business with this bank, think again, very shady people!! Lesson Learned!! Never Again!!

Whatever you do, do not, UNDER ANY CIRCUMSTANCES create an account with TD Bank. This company will screw you out of your money and will even basic transactions a hassle. Everyone at customer support is either borderline **, or speaks at a frequency of -2. I have been so frustrated with the lack of professionality with the company. Literally any bank is better than TD Bank, unless you like having your money taken from you.

This bank institution it’s a total and complete lack of customer service satisfaction. It sucks that before I open the account that should have read the reviews and what people have to say about this entity because otherwise I wouldn’t have opened an account with this company. This is the second time I place a deposit from my business account and they’re holding the money 'cause whatever first time they hold the money for six Days. Screwing all my Christmas shopping and the worst of all is that the money was taken out of the business account right at the Santa Fe day that I placed a deposit so right there when I place a deposit the money was taken out the bank account Bank of America account and put it today pockets but not to my pocket.

Call TD Bank and representative picks up on first ring. They are caring, helpful and solve issues fast. Great bank, easy to use Quicken or QuickBooks with. Awesome service! I was trying to switch to QuickBooks for my business. They made it so easy. Go online, give permission for QuickBooks and it works seamlessly. This level of service should be the standard.

It is unbelievable the lack of service that TDBank has when calling about simple things like a password reset for crossborder banking. It has been close to 2 hours of calling both TDBank who kept asking same questions what was the latest transaction. Can't tell that because I can't log in. Only other option is to drive to a branch! There is no branch within a 2 hour drive. Let alone the time in the bank. Wait. Is this year 2019 or 1919 TD? Am I supposed to keep paper transactions so I know what the latest one is? TAGLINE: AMERICA'S MOST CONVENIENT BANK. NEEDS UPDATING TO: AMERICAS LEAST CONVENIENT BANK.

I had place an order online, my order didn't go through from the company I ordered from. Called the bank for them to advise them that the order couldn't be placed due to them being out of stock on the item I wanted. So now I have over $56 in pending charges that the company said they don't have the hold on the funds and the bank can't do anything about it until either the charges get posted or released back to the account. I 2 different guys from the bank giving me different information that the funds would be released the next day, this was yesterday this started. In all my life I have never dealt with a Bank where you couldn't cancel a transaction on an order that will not be fulfilled. This is not the first time I have had this experience with this Bank. Personnel are good but overall bank experience leaves a lot to be desired.

What an amazing experience, they were able to remove the fees, because it's their mistake, but will not admit it when it comes to my affected credit score... WORST experience ever, worst service, and worst staff, they just don't care... If I could give a minus 5 stars I would have done it.

3 months ago I opened a Checking account in TD bank in New Jersey. Also I applied for a Credit Card. I put 5 grands in my account immediately and I received 8 grands as my started credit line, due to my great Credit Score. Now after less than 3 months, I received an official letter that tells me TD bank decides to close my both accounts, without mentioning any reasons. When I call TD, they said “we cannot tell you why we decide to close your accounts.” It is unbelievable. It is my basic right to know what is wrong. If anything was wrong, why TD bank accepted me as a new customer and gave me a good credit line?! I DO NOT have any residential issues, and because of my job, I am passed highest background check several times. There is no reason for TD to behave like this. It’s rude and ridiculous. It is too frustrating when I have to spend a lot of time to manage my Deposits and Payments again. They do not have right to do it.

I envision some evil guy rubbing his hand together like a cartoon villain coming up with TD Gift Cards. a) Get people to buy cards, b) make it difficult to register and get their email information so you can sell it and send solicitations, c) make it hard to use online, d) siphon off $2.50 a month when customers are too confused or fed up to use the card. I hope whoever came up with this card got his Christmas bonus all in worthless, scammy TD gift cards. Booo!

Tried to transfer money online with account. Kept saying I was not verified. Called them and over 5 days and 7 phones calls I was told several different stories of what to do and how to get "verified". One of the things I was told was to send 20 dollars cash to an address which was a post office box. Then there was have your Canadian branch call us to verify you. Which they tried to do and THEY were told they couldn't unlock my account till I went to Pennsylvania to a branch in person. I live in Michigan. They told this to own bank in Canada. This is the craziest thing I have ever encountered EVER. I still don't have my money and I will be contacting every Federal department I can find to stop this madness.

For months I've been struggling with TD charging me excessive overdraft fees, one minute I see I have enough money in my account, and the next I'm over-drawn due to TD re-ordering my transactions. NOW I notice that they pass the transactions, only to return the items again, then charge you both over draft fees and the original amount all over. THIS HAS GOT TO STOP.

I was abroad and wanted to use debit card to get local currency from ATM, which was approved International ATM machine. At very first trial transaction was declined... And it continued same way. I wanted to e-retransfer money to merchant, which was also declined. Somehow I managed without cash. Came back to Canada and found TD had sent me text to Canadian cell phone about suspicious activity. I always keep my phone off when abroad to keep away from big roaming charges. I went to TD branch, argued why TD want to communicate customer in one way only? What if I lost my phone abroad and don't have penny in my pocket? Why other banks operates in convenient way to customer? Answer is "Sorry, that's how we maintain our security." So simple to them, I can see my money in account but can't use them. I will caution all who travel and depend on TD's card... Be careful.

I order a 49.99 pair of sunglasses on a website. The next day I received an email that there were foreign exchange fee of addition fees. I call TD Bank to cancel transaction and they did refund my money. Three months later they reversed the credit and took away 63.53 saying an error did not occur even though the website is gone and no way to get in touch with this foreign company.

I received 2 TD Bank VISA gift cards and what a hassle to register them. Nothing worked!! On the second card I am not even able to check my balance. The first card was not accepted everywhere, like VISA card typically. The VISA card registering process was way too complicated. The TD Bank VISA gift card sucks!

TD Bank is the worst. They charge overdraft fee without the account being negative. This bank is a joke!! I will be reporting them to the BBB for unethical practice. Let all your family and friends know that TD Bank is the worst bank ever. The customer service is rude. Management is rude and unhelpful. Overall the bank sucks.

I called to ask a simple question about my account concerning the fact that a debit was processed but the credit was not, and I wanted to know why. I got a snide, sarcastic person who proceeded to try and baffle me with ** about my refund first having to be approved by the Federal Reserve Bank and then go through other channels and that's why it would take 3 to 5 business days for a refund to appear, and his explanation was so obnoxious and patronizing and ridiculous that I hung up on him. TD Bank does not need this kind of customer service and I will move my money to another bank unless I can find a way to get this idiot fired.

The recent Privacy statement: "TD Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Out-of-Band Authentication Services or the Software (collectively "User Information")." With all the stealing of information going around, why is this needed and why would you keep your accounts with them?

Purchased a Samsung phone, as I would purchase any phone, through the company. I did not realize they did not process their own payments so I did not review whom they worked with... Turns out it is TD Bank. I have no words for this experience. There is no real good website to check your account or make payments through. They do not accept credit cards, only checking, and you tell it to a random voice over the phone (I am very protective of my checking account number and this is a huge security red flag for me). When something doesn't go through they don't send a polite text, or email, like a 21st century company - they call you with the tone of a debt collection agency chasing down a thief or something. It is intense and horrible.

TD Canada Trust - I have been a TD client for the past several years. I have always paid my bills and credit cards. There have never been any issues. Recently I received a letter via UPS with a suspicious letter on Nov 23. The letter stated that they were terminating my accounts. I tried to contact Sharleen ** and I was denied the request to talk to her. Because of her actions I'm not sure if I'm able to pay my staff. This should prove very disturbing for everybody because initially I thought this was just a scam but it was not and the bank has not given me the reason why they have shut down my Visa and accounts. Merry Christmas Sharleen **!!! Thank you for making my staff uncomfortable.

My father is primary on the account and I was added as authorized user. My dad receives all the statements so I was making payments not knowing the due date. So I accrued some fees and paid a portion as that was my fault. Fast forward to November 14th which is my due date. I paid on the due date just at 9:51 PM and I was assessed yet another fee and customer service including the manager who speaks a million miles an hour would not reverse. She thought I was trying to make an excuse and had the nerve to say, "well what was your excuse for previous late payments?" No excuse here which is why I paid the late fees last time but I should have been reversed this fee as I have proof I paid on the payment date. They are extremely rude and unprofessional and can't wait to pay this off and never do business again.

My fiancé was in the hospital for over 5 weeks. When he got off and finally went back to work, he deposited his first check on November 16th counting it would be clear on Tuesday morning as it always did. The deposit was in the amount of 2K and until now, November 26th the check haven’t clear. He is behind on his bills and the bank is charging over $200 in overdrafts. I called several times last week. They told me to go into the bank. I did that yesterday! They told me only the manager can solve this matter. For me to go back today. So I went back and the manager told me that is nothing he can do. BS! What a waste of my time. I even called them again just now. I couldn’t be unhappy with TD. I have an account with Bank of America as well, and never ever had this problem! Hopefully now, my fiancé listens to me and close this account for good.

Over the phone customer service is passive, but friendly. They are unable to assist with anything! I made a deposit into my account a week ago, and was told since it was a different bank, and that I was a new customer, that it COULD have up to a 5-day hold... Fine... It's now a week later, and I'm being told that it won't clear until the following Tuesday. I had my payroll department check the status of clearing, and this cleared 3 days ago, and yet I still have to wait another 5 days to get my money!!!

I have been banking with TD Bank for over five years, and I should have closed my accounts last year. They charge needless fees for personal checking accounts, taking extra long to process even cash deposits so they can turn around and hit you with something. I was told when I opened my account there were no minimum balance fees; I've been hit with well over $100 in such this year alone. I was told I could turn off their ridiculous "overdraft protection" service to avoid fees, and every few months it is mysteriously re-activated. It has now gotten to the point that I can not use my account, for fear of getting charged with one fee, usually in error, which triggers another, and another, and so on, and good luck getting any help with your problems.

I was intentionally misled into depositing $11,000 into an account. The day that the check should have cleared TD closed the account and then gave me the runaround as to why they did it. They supposedly changed a policy AFTER the deposit was made and now have chosen that once the check clears I will have to wait for them to review everything then cut a check and mail it to me. This was all the money I had, now I have nothing. I will lose my home and car and everything I own due to this situation that the employees of TD Bank have caused. TD used to be a good bank, but they now have chosen the path of profit over customers. They should not be allowed to do business in the United States any longer.

TD is the worst banking experience I've ever had in almost 50 years. Rude staff, fee, after fee, after fee. After about 5 yrs with TD Bank, I will definitely be saying goodbye after 2018. In the last several years I've turned several people on to TD Bank and I wish I hadn't.

I received a call from TD about my credit card account. I failed to call them back until they called again to say my account was locked. I asked them why and they told me it was from an online purchase that looked suspicious. What's ridiculous is that I've ordered from this site numerous times before. They then instructed me to send in 3 documents (2 forms of ID and a utility bill or car registration with my address on it) by fax to verify my identity (even though I had to tell them all my information including my name, card number with CVC number, social security number, and birth date - they still wanted all these documents).

This bank will charge you for everything. I had positive balance and still was charged overdraft fees and they did not credit me back. It's money trickery. They say it deposit was pending... It was a cash deposit still pending... huh? They run you in circles with processing fees.

I’ve been with TD Bank for over 15 years, even opened a small business account with them over a year ago. I’ve been depositing checks via mobile deposit for the past year from the same company that they received the checks from and never had a problem. The last two mobile deposits TD have been putting my check for special verification that takes over 10 days. Last mobile deposit I did on Tuesday and was paid to TD Bank by the other bank on Wednesday as I verified it with that bank and TD Bank is still telling me that I have to wait another eight days for the check to clear. I’ve gone to two different branches as I was advised by the phone representatives to deal with this situation and I was rudely dealt with with no positive outcome. I hate this bank and can’t wait to close my accounts with them.

Rude staff - I have been lied to, mislead, and in general treated like dirt, so moving all accounts, both personal and both business accounts to BOM where I do get excellent service and polite staff, and my business is appreciated.

TD Bank is a terrible bank to do business with. I have had numerous headaches in dealing with them with very basic and remedial tasks. More recently they took over 60 days to complete a very basic loan. It was a clean loan and of the simplest kind. They could not interpret basic tax documents and they ran my credit several times because they could not complete the loan on time. Please save yourself the headache and do not use this bank. I will be taking my business elsewhere. Nightmare bank.

I received my closing documents and notice there was a $2,511 amount due to TD Bank although my balance was $0. On October 2nd, I received a letter from them stating the account was frozen however on October 12th a check was presented and cashed. The first time I called the CSR told me someone would call me within 5 business days. I thought this was odd as it was fraud. I called back and spoke with another CSR who said not only was the check cashed but someone had added their name and changed the address of my line of credit while my account was frozen and my credit line was brought down to $0.00 due to my pending closing. He told me the fraud department would need to review and would get back to me in 5 business days.

I have had a TD Bank Account for around 6 years, fairly happy with the account, nothing spectacular, but overall easy to use. I received a TD Visa Credit Card about 2 years ago, and I have been using the card without a problem, until I received a double charge for a bill, and the billing company accepted neither charge and payment had to be done again with a separate card. After speaking with TD Bank 3 times, I finally had the right fax number to send internationally to TD Bank. I sent the fax... Again...and again. Finally it was received.

I was a TD Bank customer since 2016, I have a Premier checking account with them. IN July 2018 they send me letter stating that they are going to close my checking account without any reason. Well I have deposited 5-6 payroll check into my checking account via cellphone app they have which might triggered their system etc, each check was 552.74. Check design was same as it was issued by a company accountant where I work. Payroll memo and check number was diff. There was no other activity in my account which I think will let them close my account. Ok well in August my account was closed. How I figured out that they close my account because of my multiple payroll checks deposit and also how it make TD bank worst in term of customer relationship etc. Let me tell you a very cool example.

I have never been soon annoyed with anything or anyone as I am with this stupid bank!!! I decided that I was going to cancel my account because of the ridiculous fees they charge every month for some reason or another. I had reoccurring transfers from my main account to my TD account, for some reason it wouldn't let me do it online so I had to call "customer service". I call and give all of my info, the rep says that the system was trying to verify my voice (apparently I gave authorization for voice recognition a while back... big mistake!!).

TD Bank not only has the worst customer service, but the employees don't even know what they are talking about. I had an issue with my account and I went to two different branch offices in one day and was told two completely different things. My confidence level and security level with this bank has completely diminished. I will be switching banks after I get my money back. Talking to customer service is no different than going into a branch. They are both clueless.

Customer support is a joke. I called on Saturday because I could not log into my online banking. They said they needed the password, I gave it to them, which was wrong and they said my account is now locked... I said, "Yes, that's why I'm calling!!!" Their answer is, "You must drive to a branch..." which is over an hour drive round trip... If I drive there, because again, I cannot get online it will be to close my accounts. Their phone support is a joke.

I had fraudulent charge on my account. Total 2050$. I filed dispute, after 10 days I got a letter from TD fraud prevention department states: "Unfortunately we cannot honor your dispute since business to business transaction." I did request more information about the transaction and they gave me merchant number to contact directly, finally its end up I filed police report and bring it into the branch and after 6 days they close my account. This bank is joke and not secure at all, oh one more thing once you call customer service they repeating legendary service we provide and in reality you have to be on hold at least 20 minutes. Avoid this bank.

Received a letter stating account is past due and with a charge of $76 ($38/month) for late fees. Payment is due on the 15th of the month, but I checked with my bank and also with their customer service that payment was received 11 Sep, and the latest one was received 7th Oct. I called and asked question, "Why we're being charged for late fees when you received the payments before the 15th of the month." Simple question, they cannot answer and keep getting transferred to another person. DUMB people working here, and all they want is charge late fees even though payment arrives before the DUE date.

Used ATM at TD Bank 600 West Main St. Freehold N.J. on 10/13/18. Did a withdrawal of $300.00 from the ATM. ATM only gives twenty dollar bills so I went to the teller and gave her 5 twenty dollar bills and asked her for one $100.00 dollar bill. She asked me if I had an account with TD Bank, I said, "Yes l do." She said, "I will need to see your debit card and drivers lic. I asked her, "Why? All I want is to change the money. The ATM only gives 20s." She said, "It is TD Bank policy to see ID when exchanging currency. We have to track any currency exchange from all accounts and why do want a $100.00 bill?" I could not believe it. I told her to give me the 20s back. I felt like some kind of criminal. What kind of B.S. policy is this? Why are they tracking our money? Tracking $100.00 really? What am I a drug dealer? A terrorist? That's it for TD Bank. I am pulling all my money out of this bank. Zero stars for TD Bank.

Dear bank, I was completely unaware of your issues with joining the tech. revolution. It has been explained to me that if I need to express myself to anyone above the pay grade of customer assistance I needed to write a letter explaining in great detail my situation, what my expectations in response from you would be, and apparently deliver it in person, due to higher pay scale employees inability to fully grasp how the U.S. postal system, or phones works. There was no other direction, other than "great detail" so I will to the best of my ability to provide all relevant information, to what I'm sure will lead you to a fair solution to my problem.

When you call into TD Bank's customer service line, they ask you several specific questions to verify your identity. I understand and appreciate their diligence in this, but there's something wrong in their verification. I literally answered all their questions, READ it off my online account, and they said I had to go into the store to verify my identity. All I wanted to do was set a travel notice on my card. There is something seriously wrong with how they verify identities. And since they give you no clue of what was incorrect, there's no way you can answer the questions correctly going forward, which means don't bother calling them EVER.

I applied for an SBA small line of Credit. To say these people are dishonest in their timeline offers would be the most benign. I was told I would have the loan approved and disbursed in 6 weeks or so. Months later I still didn’t have anything disbursed. They give you nothing in writing, just very misguiding information over the phone. By the time I got the money I was so behind my timeline I lost my office space and could not start up.

What a horrible bank. I opened a Premier Checking account specifically to travel and not have ATM withdrawal fees. After coming back from a 2 month trip I come to find out they didn't reimburse me for any of the ATM fees. Their reasoning was that it was because I did not have minimum $2500 on my account from day 1. The money transfer took 1 day to process so of course I didn't have 2500 on the first day. I specifically asked if that's gonna be a problem when opening account and was told it won't be. DO YOU THINK I JUST WALK AROUND WITH $2500 in cash ready to deposit? WTF? Also they places EVERY SINGLE ONE of my PAYCHECK deposits on a 6 business day hold. Which really is a 10 day hold including the weekends. Their reasoning was because of high deposit fraud for people of MY AGE! Can you believe that?!?! Is that even legal?! STAY AWAY.