TD Bank Reviews

TD Bank has the worst customer service and efficiency I have ever encountered. I tried to use Zelle to make a rent payment. My payment had a red flag put on it because my first time payment was large. Okay, fair - I call them, they say the payment will be cancelled and I can send it again after it’s cancelled. The next day, I go into my account to resend the payment and find that my entire account is on hold, in direct contradiction to what the customer service representative told me the previous day. I call again. I’m told that I need to go to a brick and mortar bank to verify my identity.

Let me begin, my configuration is a Samsung Note 8, running Android 8.0.0. When I use the TD Bank web app, I type my username/password and without hesitation I get the following message; “We apologize for the inconvenience. Thank for your patience. Please try again in a little while”. Well, I have been patiently waiting since September 19th, 2018, today is 10/4/2018 (I guess it's going to be an OK day, sorry for the pun, anyway). They have had me uninstall and reinstall the app 3 times. They have changed my username twice. I have changed my password at least 6 times. Nothing works.

Me and my mother we are from North Carolina. We opened up a credit card account with TD card services. I myself opened up a bank checking account as well. No trouble with the bank. I love the bank side... we were excited because we had had some hard times a month or so before this end. Was to do better and get back on our feet... the third or fourth day getting after getting the cards they shut off my grandmother's card because of a purchase at Walmart so we called and got that cleared up. The following day they cut off my card because of the ATM ordeal. I called. I got that cleared up... from then on for a month and two every 2 or 3 days they would put a hold on our cards and we would have to call with an explanation of why when and where.

I purchased a new phone from Samsung and decided to finance with TD Bank. These guys are the worst and I mean worst. Their customer service blows. Their online account system is terrible. They kept charging me late fees and I was paying my dues on time every month. When I tried to dispute the claim, guess what? Just so happens I am "locked" out of my account. They were suppose to take those late fees off MONTHS ago and didn't do so. So the amount keeps building up. They should pay off my phone for their terrible, terrible service. Do not. I repeat DO NOT try to finance with them. They'll just try to screw you over.

I discovered that a fraudulent account was opened in my name for a line of Samsung credit with TD Bank. I had it shut down immediately. Concerned that the fraudsters had my personal info I went to the bank branch to have my debit and credit cards changed over to prevent any further fraud. I presented my IDs and answered security questions and got new cards. A week later I made a payment on the credit card without any issues. A few days later I go to charge something to the card and discover that it isn't working. I call customer service and they tell me that a security hold was placed on the card due to ID theft. I am told I need to go to a branch and present ID to get the security hold lifted. Pointing-out to them that this card was personally requested by me and given to me by a manager after I presented ID gets me nowhere.

I applied for a Samsung tv thru Samsung website where they offered a credit card to pay the tv on a monthly basis thru TD credit. I got an approval, ordered the tv only to be told a month later that the approval was an error (my credit scores are 739, 767 and 762 in all 3 credit bureau...). Thank you TD Bank, worst bank in the USA... not professional at all, they need to learn about customer service, last time I waste my time with these clowns.

Dear TD Bank Management, There is only one guy in your entire bank system that I would return to do business with! Mr. Victor ** has gone above and beyond to help me resolve my problem that other 30 people that I contacted before chose to ignore. I have never been treated this badly by any financial institution. Thank you Mr. Victor for patiently listening to me for 20 minutes and never interrupting me once. Thank you for resolving my issue. There is no worst feeling that knowing that you are getting screwed and a bank branch manager telling you there is nothing they can do. TD Bank is horrible and I will never do business with them again. Mr. Victor is the only positive about the bank. Thank you again!

My name is Ms **, I put In money into my account for rent... I was then notified by the landlord that the money was not there I was lost. I then sent a secure message to TD right away. Then I also called in and disputed it. 2 months later I check my account I have a negative $831.15. TD did not approve the dispute... yet all the transactions were in another state 5 hours away. TD are the criminals. Since then I have made another dispute their excuse was I was on online banking... (Yeah to send a secure message that my account was used without my knowledge.) TD claims I need to send more information. How??? I did not do the transactions!!! I will dispute this forever if I have too.

I applied for a TD Ameritrade Visa card last year, it claimed if I spent $500 within first 90 days I will get $100 bonus cash. I called the help desk and asked why I didn’t get the bonus, they claim I didn’t put the promotion code on the application. I had a copy of the application. It doesn’t ask if you have a promotion code. I was on hold back and forth for over an hour and at the end they can’t do anything about it. Poor customer service and the help desk is not open 24/7. This bank sucks. Never ever try to use this bank again.

Don't ever do business with this bank. Their customer service is horrible and no one at the call center responds accurately to questions. I have asked repeatedly for forms but none ever came. Even getting a username and password is difficult.

I opened an account with them about a year ago. They had said that since I was a student, the only limit on my account would be that I cannot go below a certain amount in my accounts. Fine. Now about 3 weeks ago I started getting charged for making too many transactions when they specifically said that all I had to do was stay above a certain balance! And I did! I called them on the phone, and they were very rude. Even the higher level people were rude to me. This isn't even the worst part... a week after I opened my account they froze me with a $-9,999,999 balance. It took almost 3 weeks for them to get to the highest level they could, and unfreeze+fix my account. I will be closing my accounts with them ASAP.

The worst bank I have ever been to. Cash machine took my cash and did not register the deposit and ate my banking card. After being kept waiting for almost a half an hour the teller told me that she would open up a claim but my money probably wouldn't be in the account for a few days. This is a problem because I have payments debited automatically and without the cash in the account I would be severely penalized. She said there was nothin+g she could do about it except file a claim and hopefully the cash would be accounted for.

The worst bank I have ever been to. Cash machine took my cash and did not register the deposit and ate my banking card. After being kept waiting for almost a half an hour the teller told me that she would open up a claim but my money probably wouldn't be in the account for a few days. This is a problem because I have payments debited automatically and without the cash in the account I would be severely penalized. She said there was nothing she could do about it except file a claim and hopefully the cash would be accounted for.

“Convenient bank” may not be true, depending on where you live. I use TD Bank in Florida, and have to deposit checks and cash every month. I try to use the ATM, and literally half the time there are problems with it. Once in a while it is during working hours and I can use a teller, but mostly not, so I have an hour round trip (I live way out in the country) to do again. Sometimes it won’t take cash. Sometimes it won’t take checks. Sometimes it won’t take either and is just turned off with a little sign on it. Sometimes it won’t take a check until you put it in five times in different orientations. Yesterday I found, after 12 tries, that if you push a check all the way to the left edge of the slot, it would take it, but not otherwise. The people in the bank know about the problems, which have been going on since I started there 3+ years ago. But the ATM still doesn’t function reliably.

Last night I called TD Bank to make sure my account was in good standing because my husband and I were going to use this account as our new primary. We were negative which wasn't a problem because we transferred money into the account last night to bring it to good standing. We also called customer service last night and confirmed with them that the account was good and making the payment would bring everything to normal. This was great because my husband and I set up direct deposit to go into this TD Account. Now this morning TD say they canceled our accounts after we put in all the information to our work and transferred all our money into the account.

I just opened an account in this branch on August 10, and in 1 week I had so many different troubles every single day! I used to use Chase Bank before I moved to Philly and never had a problem with that at all! But TD Bank is the worst bank I’ve ever worked with!!! Finally they locked my account for no reason and I tried to call them. Finally I reached them and they said, it will take a couple more days to unlock it.... Stay away from this ** bank.

TD is the worse. First fraud transfer was stopped because I check my account at 6 am and saw it on time. Now 3 months later new account I get fraud, transfer 987.12 from my savings to checking then withdraw on my checking 2100$, then a mobile deposit of 4843 something like that then try to withdraw. Transfer was successfully completed and they said since the code request send to my phone number succeed, is that I have log in to someone in compliance with them to do the fraud. They didn't return my money, even with police report and proof all the calls for code request and code request sent for my email log in too. Can't pay my mortgage and they don't care, so the others got away with it. Even when this happened in Georgia and I live in NJ. Hope this company and the thief go to hell or get the worse in their life!

After decades of banking experience with TD I am heart sick to know that my deceased mother's attempts to secure easy passage of her assets was guided by a revolving door of unqualified staff who now hide behind the anonymity of this large business. My mother put her trust in people who are parachuted into this mill they call a bank - lesson learned the hard way. We will work through probate and the funds will find their way to the proper entitled but with no help but actually obstruction from an institution that I will never look at the same way.

REQUESTED AMOUNT $200.00". On my next attempt I was able to withdraw $200.00, but my balance had been reduced to $3,088.10. That means $409.90 was taken from my account. That is equal to two withdrawals of $200.00, two service fees of $3.95 and two charges of $1.00. However, I only made one withdrawal. The other one was declined.

I recently closed my account at TD Bank for 1 reason. They really don't care about their personal account customers. They have something that other banks do not have: "Event overdraft processing". This means that if you miscalculated your debits and find out that you are negative, they do not give you time to deposit the money that day to bring the account positive to avoid an overdraft fee like customer service oriented banks do. Done to maximize the chance of charging fees. Very Bad business.

I had embarrassing experience with TD Bank. The bank put a hold on my account without my knowledge. Absolutely no communication from bank warning me of security breach which never happened. All banks contact bank customers by email or phone or both if bank suspects breach on customers' account. I went grocery shopping using my debit to pay. Having money in my account I was declined 3 times. This being a busy grocery store. There were store customers lined up behind me

I was getting a higher interest on my savings account so I had my wife upgrade her savings account to the higher interest approx 1.2%. The bank agent said my account opened 9 months ago was paying less interest than my wife's so he was to change from .4% to 1.2%. It never happened so I lost $1200 of extra interest. Neither thde manager or corporate seems ready to make up my loss. Once this happened with e*trade and they made up the difference. TD seems not to honor their error.

Worst banking experience ever, customer service took 20 minutes to answer my call, and when they did the lady was annoyed I was calling and was rude with a bad attitude. This was my first call to customer service. I opened a new business account and I pay extra to have square instantly deposit my sales, while TD bank played with my deposits for days and charged me $70 overdraft fees for a total$280 in one month I had my account open. Also while on the phone call customer service which shouldn’t be called that wanted every transaction for the week to be verified to the penny. When I missed a some she said this conversation is over and hung up. I had to walk in and speak to a rep and ask for help.

TD Bank reverted to my old address after sending statements to the correct address for more than 2 years. They neglected to remove my deceased husband's name from the account even after more than two years and three death certificates. They insured my property claiming not to have received the declaration page from my insurance agent. I needed to chase them down to replace an overage check from escrow which I returned to them voided (still had my husband's name on it) and they had not redeposited it into my escrow account.

I had the unfortunate experience of getting a mortgage through TD Bank several years ago. Nothing like hearing "America's Most Convenient Bank" over and over while being on hold for 45 minutes whenever I need to talk with someone. And that's not just one experience. I have called TD Bank over a dozen times over the past five years and there has NEVER been one time where my hold time was less than 15 minutes before talking with a REAL PERSON! Their customer service in person at banks is fine, but when you have to do certain things over the phone it's a mind-numbingly soul-crushing experience.

I was unable to log into my account due to some new verification procedure they have implemented. I followed their instructions accurately but that didn't work so after wasting 10 minutes I called customer service and wasted more time with her whose assistance was of no use. She told me that I probably did not enter the security code correctly, she offered to transfer me to their tech support. I am on hold now for 26 minutes hearing their music and no help seems to be in sight. Is this what they call 'convenience'? I have been with this bank (that has undergone at least 3 name changes) for 36 years. It is time to leave them.

TD Bank entices new customers to fund their new checking account with credit card. They even put it this way: "Recommended amount $500". Don't do it! Any credit card will charge you high fees ($15 in my case). TD Bank refused to compensate me for the fees and anything in wording of their advertisement. It's a trap!

At this point she asked me “what part did I not understand.’’ Needless to say I became upset and irritated at the way my call was being handled again requesting to speak to a manager. I was left on hold for over 20 minutes before I hung up.

Let's begin with the day I opened my account in a branch in Miami, Fl. I choose this bank due to its great hours; being open 7 days a week and was also thinking of taking out a line of credit with them (which I never did). I used the account for my job's direct deposit and dipped 10 into my savings from each check to have some ER funds in case I ran out of money. When I first opened the account I asked about their overdraft policy and they explained a little program they have called TD Advance which works like this. It covers any transactions you make when you don't have funds and on top of that charges a $35 fee PER Transaction!

TD Bank has blocked my card from making purchases 3 times this week alone. When they do this they don’t even bother to tell me. So I am unaware until I try to use my card. I have been forced to call repeatedly and the joke ASAP number is at LEAST a 30 minute wait. Saturday WHEN I was trying to make an eBay purchase they blocked my card yet again. When I called the representative LIED AND TOLD ME THIS WAS VISA BLOCKING MY PURCHASE BECAUSE THEY WERE PERFORMING MAINTENANCE and that she had no idea when they would be done.

Please give me back 5 hours of my life calling innumerable departments who don't know or aren't sure who handles what, constantly told 'we don't handle that here' and then when requesting a number to call of a department who can help me, getting the same answer when I call that department. What was my request? Never received UCC titles to equipment paid off under their SBA loan. Loan ran from 2008 and was paid off in June of 2013. How hard can it be for a bank to look up a past SBA loan and get me the information. America's most convenient bank? WHAT A JOKE!!!

If you have a choice, have a mortgage with TD Bank or die in a plane crash, go down in that plane. They are a disaster and plain awful. When calling to resolve an issue, in my experience twice TD’s error, your initial hold is at least 30 minutes. I got so frustrated, I walked to a local branch while still waiting to their annoying loop hold music, and sat with the branch manager at Lexington Ave and East 23rd street in NYC. His name is Oscar ** and he is the only saving grace. TD does not deserve him, and if any other banks are reading this you’d be a complete idiot not to try and hire this man away. Naively I thought Oscar would have some secret speed dial, however he gets the same phone number to call. So there we sat, together listening to that annoying “da da da... da da da da...” hold music. I left to go to a Starbucks to get us coffees and when I got back he was still on hold.

We have over $400,000 Canadian in a TD account. We are not in Canada, and thus we cannot access the money: We cannot transfer to a U.S. account and consequently we are cut off from our funds. We can get cash from an ATM, but there is no way to transfer the TD funds into a U.S. account from which we pay certain bills. Transfer of funds internationally is a basic banking function, and TD doesn't have the skills, knowledge, or infrastructure to make this happen.

After calling 3 times, each time waiting on hold at least 30 minutes, and then having to go to the branch office twice after opening the account (all of this since June 12, and today is only June 20), wire transfers are now working, ACH still not working, and best of all, they finally agreed to release my money to me 8 days after I opened the account. They told this was all for my protection. I don't agree. This was all so they could hold the money and get the interest from it. Even when you go to the bank they have to wait on the same customer service line as the customer so you sit there 30 minutes until they can get help. This is not banking in the 21st century. This is sad. I'm going to be pulling my money out of this bank before any more problems occur.

TD Bank has unacceptable hold times to exceed 30 minutes no matter when you call. So be prepared to call when you are not at work and put aside a large chunk of your time to WAIT. They don't allow you to add accounts to online banking, you have to call and WAIT for them to do something they could allow you to do yourself.

No reason was given and 60 days reply by automated system was vaguely promised. The result will be CUB CADET will never get a sale from me again and will be told exactly why. Neither seem to care much, and now neither do I.

I sent an international wire for a large amount and it never arrived at the bank it was sent to. TD Bank says they've tried to reach them and got no reply. TD tells me it's my responsibility to contact the bank in India to get my money back. How is that??? It's supposed to be the bank's job to handle and or transfer my money in a secure fashion. I was told by two different bank officers that after 30 days my money would be refunded to my account regardless, but as the 30 day mark approached they changed the story telling me they would not be responsible for the money they lost.

We would like to share with fellow senior citizens a very upsetting, depressing and disgusting experience in dealing with the staff of the TD branch at 5991 No. 3 Rd in Richmond, BC. My wife and I each had a GIC with a maturity date of April 21, 2018. We went into that branch on April 18, 2018 to see a representative to inform him we didn’t want to renew them on maturity. Since he is not too familiar with GICs, he asked another representative to coach him on the side. Once again we told her (the first guy introduced her to us as a GIC specialist) we didn’t want these GICs to be automatically renewed.

I have had checking, savings, home equity accounts at various times with this institution. Also have used many free customer services. Never a problem.

On MARCH 29th of this year TD Bank had a promotion on the internet. Open a checking account $25, and maintain $25 a month no maintenance fee. I SIGNED UP. In April everything went fine. They didn't charge me a maintenance fee. Today is May 28th I noticed there's a $5.99 maintenance fee. I called the customer service department. They apologize. They waive the $5.99 fee but they said they can't guarantee me that I won't have to pay it next month. I asked him what happened to the promo. The representative said he couldn't find the promo that I signed up with. I challenged him that was false advertisement on the part of TD Bank. I hope this goes public can I hope that nobody else. Get screwed over by them. I will be reporting this to the federal authorities. And close my account with them.

Have been with TD for 4 years, now I have to leave. The reason is that overdraft was not waived and business specialist supervisor was rude. I called around 12:10 pm eastern time on May 16th, 2018. Now I hate you guys. Don't wanna do business at all. Plus, I can put more than 5 bad experienced reviews on other websites, starting from Trustpilot also.

My TD Visa Infinite card was declined thrice today. It caused me immense humiliation as I was doing the transaction in a car workshop. I had rung up the call centre to find reason for declining the transaction. The reason provided was I used wrong PIN thrice. But the same PIN was used two days back and accepted for $496. Neither there was a message that I had used wrong PIN, it showed transaction declined. Nor I received a call, that three wrong attempts have made to use the card!! When I rung up the call centre and asked to speak to the supervisor, the agent disconnected the call. I rung up the call centre again, to be connected to supervisor. The agent who took the call, got all the background and said will warm transfer the call. I waited 37 minutes with nobody responding. Alas, that is TD Visa Infinite customer service!!!

I have always been treated so well and when I call I am never put on hold. They are friendly and always suggest ways to save money. They also suggested a better money market account.

I have been banking with TD Bank for approximately two years and I can confidentially say I have been through every imaginable problem with them. For one, customer service sucks and they make no effort to improve it whatsoever. Secondly they are constantly having problems with their online banking that it's hard to get things done when I need to. This should not be happening especially with such a "convenient bank." I had a WAY better experience while at Chase and Citi and I regret closing my accounts with them for this trash.

Today I went to the ATM machine to withdraw money and found out my balance was in the negative. I was surprised even though I know I paid bills over the weekend and went shopping. I was surprised because I had two separate deposits over 3000 dollars that should have more than covered my expenses. I transferred over 50 dollars to get out of the negative and later checked the online banking. There was no record of my paycheck deposit last Thursday. I immediately called TD Bank 1888 number.

I have been trying to get them to stop charging me 1.00 paper fees for 2 bleeping months! I have been in the office twice, I have been on the computer, I have been on the phone. And the 15.00 maintenance fee!!! I have been in there twice to deposit money and been assured I would not be charged the maintenance fee again and still it happens. Then it drops below the minimum amount and they charge me again. I am closing my checking account and bringing my savings account to the minimum needed to keep a safe deposit box until I find another bank with a safe deposit box! 60.00 for nothing!

I opened a checking account with TD Bank to ensure separation of my daughter's college savings money, from our family's daily living monies in our Bank of America checking account. But in just a few months with TD Bank, I have experienced: TD Bank NOT granting consumers live, personalized, pro-consumer services, as falsely advertised on TV. TD Bank unscrupulously getting consumers to keep up monthly, automatic deposits, despite consumers stating to TD Bank that they have changed their minds about wanting such transfers to continue. And TD Bank unscrupulously selling monthly fees checking accounts to consumers who open TD accounts online!

Living between London and New York and having run my company with over 300 staff for 35 years, mainly in London, I decided to slow down and moved to NYC for longer periods. I was advised (sadly) to use "TD BANK... A modern bank with a modern approach I was told". I opened my accounts with TD Bank, and to NO fault of my own, my accounts were hacked and used in China. TD (allegedly) FROZE my accounts so that I could not withdraw a penny, they also seem to have "allegedly" told my credit card companies.

I have had my account with TD for over a year. Have never missed a payment and only have had one late payment (literally by one day). I purchased some new items with my TD card In April. In March I paid my normal bill plus a little over, not knowing what my new amount was. I got a late payment in the mail a few days ago saying my payment was missing $3 dollars and they were charging me a late fee of $38!!! I called the customer service and talked to two different supervisors (after being on hold over ten minutes each) who basically told me, that was too bad and nothing they/will can do about it! Very dissatisfied and will be returning the items back to the store to get it off this finance account.

There's so many issues I have with TD Bank, but Oh-my-God!!! I CANNOT TAKE entering the single-use code every single time I'm trying to check my account, this is ANNOYING and the dumbest idea they could have ever come up with. Why not one passcode for you to put in every single time, no one has time to wait on a text... and on top of that if you use someone else's phone you're out of luck. I was at Walmart trying to pay for service on my car when my phone died trying to check my account for my mom's phone. I couldn't even check it due to this dumb single-use code. Please deactivate this, it is annoying ** out of me. I can't wait to leave this Bank.

I brought 1750 Euros to TD Bank to wire transfer to Italy. The clerk, Howard **, told me he will get me the same rate to change to Euros for transfer. I then agreed because I don't need to pay extra CAD. When everything is almost done then he told me the rate has gone up so I have to pay extra which is $185.75. I then asked why he said he can give me the same rate and the answer is "I SAID I WILL TRY TO GIVE YOU THE SAME RATE". I think everyone knows buying and selling is never the same rate. I look like a fool. He should never say giving me the same rate which is impossible at the same day but it is possible for some other time. This is a lesson to other people and a good lesson for TD Bank clerks' training.

Terrible accessibility to customer service via phone. Painfully and unreasonably long hold times. Often 20-60 minutes plus. Don’t bother going to a branch because they have to call the same customer service number as you do. Going back to Citibank.

If you bank with TD bank, take your money and run, seriously!! Day 13 of my fraud case (only 6 for them since I had to wait two days to file my dispute and they only count business days). Someone got my debit card # (while it was still in my possession) and charged 10 transactions for $99 each and four more for various amount close to $90. The bank did not catch this or flag it as fraud, I did, the same day. I called immediate, and the charges were still pending, so I was hoping they would be able to stop them, but they said they couldn't. They said they would have to wait for them to go through, and then I could file a dispute.

I called their customer care for unblock my debit card payment to rebtel.com. I called them first time around 2 pm. After waiting 25 minutes even they said waiting time 20 minutes executive said she unblocked my card. Okay hang up then I tried again to pay rebtel.com around midnight 11.30 pm same day but same msg. Rebtel says my card declined by issuer so called again waited 30 minutes with phone. No one response then I hang up. Now who is responsible for this? Is this you call service!!!! I attached pic of my waiting time duration with them...

In December 2017 I lost my debit card and someone used it to go buy lots of stuffs and I called in and report my card stolen, and report the fraud so they got back to me saying that the transaction happened between valid and invalid transaction so for they can’t give me those credit. So I work hard and anybody can just take my card and used it and My bank can’t protect me. Nice.

I recently went into the TD Bank location at 300 Main St, Nashua, NH and applied for a personal loan in the amount of $10,000. I spoke with the branch manager, Jacob **, who submitted the application to his underwriter. I also showed Jacob my credit scores, which were obtained from the three major agencies; Trans Union, Equifax and Experian. My credit scores from the three were 655,670, and 654.

I am a church treasurer. My name was added to the TD Bank and credit card account. I was suppose to get a credit card with my name on it so I could have online access. It should have arrived in 5-7 business days, but did not. I got a phone number at the branch for credit card services and it was not the right number. I waited on the phone several times because they did not have record that I could speak to them about the account.

I have been with TD Bank for 14 years. I've had small business loans and checking accounts, personal mortgage and home equity and checking accounts. I'm closing them all. My problems started this year when they simply ended automated transfers on a small business loan and home equity loan. The small business transfer came up with an error so I noticed it but it was near impossible to even make a payment because their phone support is so bad. When I finally did get through to them they told me I had to go in person to the branch to make a payment. Even in the branch it took an hour to make a payment. The home equity loan, a transfer that has been running for at least 5 years simply disappeared. I can see all the past payments but there were no future payment scheduled. This transfer was NOT set up with a limited number of payment.

As I write this, I've been on hold for 40 min. and counting -- and to rub salt in the wounds, a 10-second long music loop plays over and over and OVER again... no way to turn it off and have to keep listening because there's no clue how long it will be before someone answers. This is like some form of torture. Even bad music would be better than this headache-inducing loop.

In the early 2017 I deposited a check in to my checking account in TD Canada. The check was for $3000 and going through my papers just recently I realized there was only $2000 was deposited to my account, I went to the bank and asked them about it and I was told there would be an inquiry about it. Today somebody called me from the bank and told me the matter is closed and they can't do anything about it and it is my fault that I didn't let them know sooner, so for all I know I gave them a check for 3k and they put only 2k in my account, they made a mistake and I have to pay for it, I work very hard for my money, is there anything I can do, please help.

TD Bank charged $1368 in fees after promising twice to stop. TD Bank refused to refund $1368 in maintenance fees they charged improperly for one of four checking accounts I have with them. In 2013 when I first noticed the improper charges, I contacted TD Bank twice and each time they refunded the fees and promised to stop charging those fees. But despite their two promises TD Bank continued to charge the fees.

Could be the worst bank I ever did business with. Their online business checking account is horrible, I tried ACH money to another bank, I get a pop up that says I have to go into the bank in person. When I get there the banker did not know how to set up my ACH. How about that. If he didn't know who should I go to? Not sure than to wait on hold for a minimum of 30 minutes to get someone to help you. The worst bank I ever seen.

Been on hold for over 30 mins no matter when I call morning, noon or night. Today I was on hold for the 3rd time after 1st time being on hold for 35 mins, the second time 45 mins. Third time 1 hour and 18 mins before a rep said I have to be transferred to another dept. A department for purchase disputes which is not an option in automated system. I asked if I would be on hold more, she said no. Transferred me and I was on hold for another 40 mins. That's 2 damn hours and NO help. No one to file a dispute about a charge I didn't make or authorize. How is that a credit card company protecting my security???

I have spent close to two hours being moved from one person to another for a very, very simple request - i.e., "I need to talk to your fraud department." - I have gone through two separate calls where their systems disconnected me. The second call resulted in my being transferred to 5 different people with waiting times from 9 minutes to the longest of 32 minutes (on hold five times) to finally get cut off with no one calling me back. You would be nuts to do business with this bank as any problem you might have will never be resolved - you will never be able to contact the person you need to speak with nor be directed correctly by anyone. All of this is for me to simply have them cancel a fraudulent card I saw on my credit report. If they had a scale with negative stars, I would rate it negative infinity.

I have follow instructions for the new security online, including the new cell phone app. At the beginning didn't work, a few a week after start working for a few days, now It doesn't work anymore again. I call for help and they asked for the account number (I'm paperless so I don't know my account number), they asked for my SSN and that I know, they asked me what was the amount in my latest $ transfer (I don't remember. I always transfer like 135.23), I didn't have my cell with me so they can't send me a text message (the cell app does not work properly). All this is real and it can happen to anybody specially me that I travel international all the time. They will not call my home, they will don't send me an email, they don't ask me security questions. Was wrong with TD Bank? At this point I don't. Tomorrow Sunday I'll close my account, hope people do that and move to a real "convenient bank", "I'm definitely NOT in good hands".

I'm not sure what legendary service TD Bank is always talking about but my experience with them has always been bad. The wait time to speak to someone on the phone is 45 minutes. It is absolutely ridiculous! Most times when I go into the branch they are very rude. Can't even get anyone on the phone for customer service. If I could give them a zero rating, I would.

I opened a account about a month ago, I was told that TD had good customer service and convenient hours. Yeah they might have free account if you have $100 and good hours but that's it. My closest branch (Clarendon, Arlington, VA) have their ATM broken for entire month. I went there last night to deposit money. Now it only takes checks so it is still broken. They also love to hold your money. Since I am a new customer they are holding on to my checks for 7 business days plus the weekend, that over 10 days for you to use your own money. RIDICULOUS.

I set up recurring full balance auto payment with TD Bank and it continues to charge late and interest fees. I can clearly see that Recurring Payments set when I check my account online but representative said that he cannot see it. And two weeks before that, I spoke with another representative and he confirmed that he can see my auto payments. After I was transferred to customer service my wait time exceeded 30 minutes. Do you want this kind of service? I do not and will close my credit card as soon as my statement will show 0 balance.

I recently opened an account with TD Bank. Mainly to receive my payroll check. The bank said it has legendary service. What a joke, their computers are always down. Then try to get you to bank online. Then you wait on hold for 40 minutes to talk to someone. Why would anybody want to put their money in this bank? It's the wooorrrrsssttt.

I do not understand how TD Bank can continue to get away with robbing customers myself included. I deposited sixty bucks this past Sunday. All pending items got paid. Then today on the 20th of March I received a refund to which my account stated I now had $74 and change. I go buy a couple of coffees at Dunkin Donuts and then off to shopping. Within that hour the pending items were now repending my cash deposit. Date was changed but I have the deposit slip. No one will call me back because each time this is done I dispute my case and they end up paying me back and apologies!

Had credit card account opened 3 years ago, was paying my credit card payment on time, never defaulted on their credit card payment nor any other credit card account that I have with 711 credit rating. I missed 1 payment by accident, after 3 days of the due date I discovered my mistake and I sent two payments, never contact me about when I missed the date, they simply reduced my credit limit to what I owed them on the card which lowered my credit ratings significantly. If you need a credit card this bank is the wrong place.

I have been trying for over a month to update information in my online account with no results. I am trying to change the nickname in an account and it does not accept the change. I have another account that a change was made and it accepted the change. Numerous calls to customer support with wait times over an hour got me no results. I keep being told a request to tech support will be made and I will be notified by email of the resolution. All I get is an email stating "your change of address has been completed" and to give it one monthly statement to take effect. What the hell is that???

On February 28, 2018 @ 20:48, I made an ATM cash deposit into my TD Bank Checkings account in the amount of $635.00. At the end of my transaction a receipt was issued and it read "available" balance $635.00. (Please note the bank verifies each dollar deposited in the ATM and records it on my receipt) Immediately I log into my bank mobile app to see the funds "available." From the same TD bank mobile app I transfer $200 of the $635.00 to my TD Credit Card to make a payment. At the end of that transaction, a confirmation number is given along with my new balance in my checking account, $435.00.

I am a new online banking customer of TDBank, mortgage holder and a HELOC account. The wait times associated with TD moving to a new technology platform are unacceptable. What's more, the company short on staff who -- once you get connected to one -- know how to handle your problem without transferring you to another agent. Yesterday the wait time was 1 hour and 2 minutes before speaking with a person. This morning I went online to update personal information and was told that it would take 48 hours for the changes to take effect.

I have had a cross border account for 5 months. In that 5 months I’ve had to contact customer service 12 times with the last 5 times being in the last month. The new banking system will not let me log into my online account. Each time I have been put on hold for over 1 1/2 hours only to be told that customer service cannot help me and have been transferred to tech support which has me on hold for another 1 1/2 hours. Last week between being on hold and talking to the customer service and tech support people it was over 4 hours only to be told they cannot help me but they will report the problem. When I asked if they could inform me when the problem was fixed they said they don’t do that. Apparently I need to keep calling in until it is fixed.

After spending nearly two hours of my precious time on the phone speaking to many customer service representatives and also supervisors I am left feeling defeated and disrespected as a small business owner. They refuse to give assistance for any issues over the phone because I answered my questions wrong?! I did NOT answer them wrong! I created the business, and the bank account and I know everything about it! I am beyond irritated with TD’s customer service. I really have no other option but to go to a local branch and make an appointment to speak to the person who set up the account with me in order to turn my online banking back on. This means that I would have to take time from my work day to go there and address this issue. An issue which they created.

They called it a security check. What happened is they locked me out of my online acct. I was to submit a code sent to my phone. I couldn't get it to work. Locked me out. I called phone number. On hold for 25 to 30 min. I called another phone #. Another 25 to 30 min. still no answer. Went to bank, they told me I'd have to wait 20-30 min. I left, came back later when I had time. Waited again. Had to give her personal information, she would call me when she corrected it. She called and said I was all set. When I use it now, I have to use the security check (code) every time. Their Ameritrade 1099 is always 3 weeks late, I don't know how they get an extension after the Jan. 31 due date for their 1099 form.

TD Bank provides the worst experience in the home buying process. I am aware that home buying is difficult however the loan processor we had Kimberly was terrible. The beginning was fine with the mortgage specialist. However when it was transferred to the loan processor, that’s when things turned for the worse. I am a 1099 and my wife a w-2 and she is the primary applicant, same line of work for 3 years. No gaps in work history; always working. But for some reason their main focus was on the co-borrower, the 1099. Even with strong credit, no late payments history but they chose to focus on one thing and used it to deny us claiming that no matter what we cannot get the loan. This loan processor has no communication skills, she calls at the end of the week at the end of her shift just so she won’t have to speak to you. Then you would have to wait the following week at the end of her shift with hope you might catch her phone call.

I have had nothing but trouble with this bank. Online access is unreliable, my account was hacked twice, my direct deposit was delayed. All in all the worst banking experience I've ever had. I'm opening an account elsewhere.

If you have to call, expect to wait 30 minutes to talk to someone. Then get passed from person to person for an hour because no one asks the correct questions. Finally, perhaps because TD Bank wasted so much of your time, the correct office will be closed.

I implore anyone who is currently at TD Bank customer to please close their account. I just closed 2 personal checking accounts and 1 personal savings account with this "BANK". They are a fraud! I am also in the process of making formal complaints to the Better Business Bureau, Federal Trade Commission and I'm looking to see how I can move forward with a complaint to the state Attorney General. I've been a loyal customer, willing to pay my dues and TD has been nothing but deceitful.

If you are considering TD bank for your bank, RUN!! I have banked with them for nearly 2 years now, and it's been a nightmare. They will show you an available balance in the mobile app, and at the ATM, and when you do a transaction, they have been known to hit you with multiple overdraft fees... They seem to be unable to sync the back office info with what is available to customers. I have seen transactions I made over 2 weeks ago when money was readily available in my account, just to see that they have held the money to take it out later and overdraft the account.

Waiting on hold for 30 minutes to 3 hours is UNACCEPTABLE. It happens ALL THE TIME. They removed the chat ability. Removed the email ability and then left the customer to be impatient enough to hang up so they are not bothered by customers. WHEN you do finally wait for a "REP" (can't call them customer service reps as they don't care about service...they know NOTHING and either send you off to dead air...or to a department that can't help you, again hoping you just hang up.

TD Bank used to be famous for their customer service. I could call anytime day or night and get someone on the phone immediately. Then, they updated their system February 10th and everything had gone downhill since. I have had an issue online for well over a month. Initially I was told it was fixed. It was not. I have tried calling numerous times and no one picks up the phone. I was on hold for 90 minutes one night before I gave up. I have sent multiple email messages to them, only to receive automated responses that have nothing to do with my issue - or, to add insult to injury - instructing me to call them to resolve it... Seriously???

I'm an immigrant. I used to do all my banking with RBC after TD provided horrible experience once in 2015. Last month I decided to do some banking with TD again after I lost my RBC card and was waiting for a replacement. I transferred funds from RBC to TD by Interac. Worst decision ever. They decided to charge me a total of 116 in fees for using the savings account for payments after closing my checking account for inactivity without notifying me. It's the end of the month and I am trying to pay my rent only to discover am 116 short.

TD Bank charging me $60 for going over my credit card limit. It's called a limit for a reason TD. They let you go over it and then charge you. Do not use TD bank. I just called them and now I have set it so my limit is actually a limit and I cannot go over it. Seems like it should have been that way before but I know why it wasn't. They are ** who know people won't check what they have spent on their cards.

Simple task, try to check balance. App never works, customer service waiting line 34 min! Get to representative, doesn't recognize my address (few times before it was fine), didn't access my account! Next my day OFF closing TD bank account and take my money to better place. P.S. Also, when you in branch office they gonna make you wait at least 25 min even if you only one customer there!

Once a new and useful bank, TD bank is now worthless. I have been locked out of my online banking for a week. YOU CANNOT REACH ANYONE ON THE PHONE in less than 30 minutes and then good luck to you. I will be closing my accounts this week and going to Chase.

Whoever did this new platform should be fired. I have been locked out of my account for five days. I waited over 45 minutes for someone to pick up. After being on the phone with her for over an hour she could not help and transferred me to a tech. Another hour wait. My phone went dead. I went to the bank today and there was a line to see a service rep, I walked out. On the phone again tonight the same wasted time. Two hours and my phone battery went dead. Not the most convenient bank any longer.

I opened a business and decided to go with TD for my business checking account. I go in. Open an account on Feb 16 2018. Everything went well then I was told I owed 276.00 from 2011. No one could explain why I owed this money. Ok whatever. I’ll pay it and figure it out so the same day I gave them two checks I had totaling over $5,000. On Tuesday my checks cleared. I go to the bank to withdraw 2,000 and was given the 2,000 on Wednesday. I go to Staples to purchase supplies for my business and my card is not working. I call TD bank and they tell me they are not opening an account for me and have put the account they opened for me on a freeze. I ask why. They tell me in 2014 I wrote a check and the funds were not in the account. I had 5 different accounts with TD because they kept messing up on their end but either way I must of wrote a check from the wrong account but mind you I was never informed of this when it happened in 2014.

TD Bank's new IT system is obviously a disaster, someone needs to be fired. I am very aware of these types of tech issues, but this huge problem is no longer a glitch or something that we need to be patient about. At this level of professionalism and corporate standing a problem such as this, of the magnitude is not acceptable. We are very disappointed with how poorly this new procedure and updated website has failed. We will be looking for a new place to bank, as soon as we have the man hours to change all of our banking partners. POOR JOB.

I was a customer with Commerce Bank before it was bought by TD Bank years ago. It has been a total disaster since TD took over. Their hours were cut and they have increased their fees exponentially. I am very unhappy with TD. Looking for another bank. Any suggestions?

After finding 3 fraudulent charges to my checking account originating overseas TD Bank has not responded to my contacts about the charges. Calls to the bank were first acknowledged, however no actions has been taken by the bank after 5-days to correct the fraud charges. Further calls to the bank have gone unanswered.

This bank recently had a banking outage due to updating their online banking. I was locked out of my banking and the site kept telling me that I was denied access! Wait time on phone was over 90 minutes and they did not answer online messages. My account was overdrawn because I could not transfer from checking and they would not remove fees. Worst bank ever! No wonder that I see such terrible reviews online. Terrible, I have 6 accounts and will close every one of them tomorrow. UGH. DO NOT BANK WITH TD!!!

I have now been holding for over 41 minutes unable to access my account. I opened an account less than a month back, enticed by their account opening bonus and reasonable advertised fees or lack thereof, and deposited money in accordance with requirements. A few days back, they decided to update their "systems to improve your digital and mobile banking experience". I am now unable to log into my account. I know the password is correct because the system behaves differently with an incorrect password. I know my answers to security questions are correct because I maintain a reliable system myself for remembering those, but TD Bank says "Hmm, something didn't work that time. Please try again, because this was probably just one of those system hiccups. If the problem persists, call us at 1-888-751-9000 and we'll be happy to help". And then you are in for an hour long wait.

I was one of four people waiting for longer than 15 minutes when a couple came and went directly to a customer service provider because they had an appt. instead of asking them to wait because they were backed up. They took the new clients.

TD Waterhouse trading is a mess. Takes forever to get someone to answer the phone. Take forever to open a new account. It took 4 weeks to get money out of your investment. Very unprofessional, unproductive, wasting client times, money and effort. Is time to change the current leadership for more customer care service and real professional staff. No apology is accepted, bad and poor leadership still acting...! Do not open any account at this bank. You will regret it.

I opened up an account with Commerce Bank over 25 years ago. They were a good reliable bank that treated people as customers. Since the change over to TD Bank there have been 2 major failures. One like 8 years ago when the change over happened and now they updated their "system" and I was unable to log on to my account at all. And after waiting a couple days I called them for technical support and after spending 1.5 hours on hold for someone they tell me that they upgraded their system. Well, I have bills to pay and money to transfer, sorry hopefully it will be working tonight. It is not and my only next step is to close my account to these clueless bean counters! We have many other choices and I am going to take another choice!

Haven't been able to access my online banking account for a week due to upgrade that doesn't work! Many people are complaining online and the bank isn't doing anything to resolve this issue on their end.

I try calling this loan service at TD Bank three time. First time waited 3 and half hours. 2nd time 40 min, and now am on my 3rd time trying to reach this department, and said wait time would be 20 mins, WTF... can't they pick up the freaking phone, it has been another 30 min of waiting and still no freaking answer!!!

My son had a TD account for a few years, depositing his savings and moneys earned from little jobs here and there. When he turned 18 TD started charging his account $10 month, without informing him by mail, email or phone. As soon as they had sucked his account dry they closed it. They are leeches...

True my experience of TD bank in Calgary. Case 1 - TD Bank shut down all day, one day. TD employee do not know the reason so that every single TD Customer could not withdraw their money. Poor system!!! Case 2 - TD teller sent all my money, almost CAD$ 100,000 to a foreign. The problem is that the teller directly sent CAD to a foreign currency bank account. I clearly told him sent the fund in foreign currency to a foreign currency account. Careless, non-attention!!!

I was a victim of fraud twice within 2 years. This last time, someone walked into a TD Bank in NY and withdrew $940 from my account using a NY ID and my wife's maiden name. My wife's name on our account is her married name and has never had a New York license (we have lived in NJ all of our lives). I immediately called the bank and reported the fraud. The fraud department refused to put the money back in my account due to an investigation that needed to be done. This was unacceptable due to it obviously being fraud and an error on their behalf since they allowed the transaction. The only reason I have this account is to pay bills and I do not put any extra money into this account. Bills needed to be paid and the account was overdrawn.

My ex set up an account with someone from TD Bank where money would be withdrawn from account every month. When I had issues with this and asked the guy who set this up for the # he had no clue where to reach them. They do things for customers without thinking. Not only did he make it hard for me to get the $ every month but he gave me the rudest attitude and the manager gave me a # not related to the company at all. She didn't even know the proper information to give me. When I call the customer service line I wait an hr and at least 5 times got hung up on. Nothing positive to say about TD Bank. They are not knowledgeable or capable to assist customers. I cannot stand this bank!!!!

I went into TD Bank on 237 Main Street Wareham Mass and applied for a refinance loan on my home and was told by a loan processor over the phone ** while I sat inside the bank, that the closing close would be 99.00. When I received the paperwork in the mail after being approved, the loan estimate closing disclosure was 9,901 and the 99.00. I then called them back and told them I changed my mind and would not be going through with the loan. This morning my credit score drop was 99 points. This was misleading and hurt my credit score.

I've been banking with TD Bank since it was Commerce Bank. I have very few issues on the personal side. My issues have been with the commercial loan department. One of my commercial loan payments was misapplied to principal. It took over a year to correct. During the sale of the property it took over 2 weeks for the title company to obtain a payoff statement.

I've been banking with TD Bank for more than a decade and had been very happy with them until recently. The staff at the local branches in DC are wonderful and very helpful. That said I have repeated issues with the technology and when calling for assistance the wait times are almost always in excess of 40-60 minutes. I'm about ready to move to another bank as this one has unfortunately downgraded their service and technology investment which is in an era of cybercrime and identity theft is a concern. Disappointing.

Avoid this bank if you’re a startup or first time owner. Just came here to give an advice based on my own experience. TD Bank has the worst customer service, they even lied to me last time just to avoid my questions. They also told me, checks from different banks normally takes 1 day to clear, when actually is taking 1 week, then every time I ask for my money, they say something happens with the check and it needs more verification (same deal with all checks). They never answer my questions, they don’t have online support, and most of the time they can’t confirm your identity so you need to visit a branch. No mention the tellers, I hate every time I go, I don’t want to deal with them. Please be smart, try somewhere else.

I've been banking with TD for like 10-11 years now, having originally opened the account with Commerce. The whole time it's actually been a lovely experience, but now I'm on hold with them and yeah it's been an hour. I get it, it's Saturday, you have fewer staff at the call centre, but either get more staff or ditch the Saturday shift. I'd gladly call back during the week if it meant I got to speak to someone within five, ten minutes. I need to hang up; I have other things I need to do today than be on hold with a bank for which I have a question that should take five minutes to resolve.

I was interested to open an account on TD BANK on Miami Beach Florida south beach branch. I walk inside and was received from a bank teller, she barely do not speak and whatever she told me was incomprehensible, Anyway I sign up for having a meeting with a person in charge of account opening, he come over me and he told me he will come back to me in max 5 minutes. In the meantime I was waiting this person, other 4 customer walk in straight up to his desk and he attend them right away. I really disagree about this kind of customer service and I decided to bring my 5000 dollars in another bank where the service was better for sure. Right now Wells Fargo take care of me and my money. I DO NOT COMING BACK IN ANY TD BANK FOREVER.

Customer Service is non-existent online. Waiting twenty minutes for an individual to answer the phone is a disgrace. You are not only a horrible model for customer service but do not provide excellent service to your customers. As a professor of Business, I intend to use your company as a model for poor business performance as well as disgraceful customer un-service.

I have very bad experience with TD Waterhouse Online. Almost last 2 weeks I am not able to trade online in time, most of the time TD Waterhouse website having issue, only the message shows that, "We are working hard to fix the problem," and, "Try again later."

I recently had some fraudulent charges made to my TD Bank account. After a series of phone calls, which convinced me that the problem would be resolved, and my account would be restored quickly, I discovered yet MORE fraudulent charges made and my account was thrown into a negative balance. When I called, for the third time, after the requisite 20 MINUTE WAIT TIME, I discovered that the charges were made online, using my ACCOUNT number, NOT my debit card number. I had originally thought I could just go to the branch and obtain a new debit card... No, I had to open a new account.

It must be a hundred times now that I've called and always does a 20-minute wait! Who in their right mind is going to stay on the phone for 20 minutes waiting for you people? You make a lot of money but cannot even have enough people to answer the phone is just ridiculous. Changing my bank now. I cannot give them a rating at their practices don't deserve it. As far as their overdraft and very low interest giving back fees. Yep they're very low on the list. And now I cannot submit this unless I give them at least one star which I did not want to.

I have TD Bank account since it used to be Commerce Bank. Now customer service sucks big time. I needed to call 3/4 times and every time hold time was 20/30/40 mins so hung up as no one has so much free time and this just shows how bad their service is nowadays. Today I really needed help with something regarding my account and decided to call... automated system said wait time is 20 mins and I decided to wait as I needed help and at this point it's 1 hour 5 minutes and 35 seconds to be exact and I am still waiting for a representative to come online and help me. (I am on hold while decided to write this review.)

Why would I open up a account at this bank, am I a glutton for punishment or just stupid... Charging very small interest in accts and then charging you a penalty for making excessive transfers from one acct to another is ludicrous. As a matter of fact today will be the last day of dealing with the Bank of Satan. Sincerely a disgruntled consumer.

Very Upset with TD Bank in West Roxbury MA. The bank tellers are very very rude. The customer service staff are poorly trained or not trained at all. I have been a customer there for about 5 years. It has not been by choice however. I was lured in by a lot of misrepresentation and after I did a refinance of my house with them I was stuck. But the worst ever was when I discovered the bank made some very costly errors and had hidden fees. Worst of all, I found out later that I could have refinanced through the government's HARP program and pay almost nothing. They also have charged me ATM fees when they said there were none. Except for the free pens and candy everything about this bank is a lie piled on top of deception.

I tried to purchase something online and my card was rejected. I decided to call them to sort out the issue but it has been 55 minutes so far and there's no one there to answer my call... America's number one bank? Or whatever their claim to fame is... Just NO!!! This is the second time. Another time they locked my card for a $3 purchase because I was out of state. Now this wouldn't bother me as much if they answer the damn phone... Excuse me for the language but I'm a little bit frustrated. As I'm typing this review, I'm on the phone waiting for a customer representative to answer me... Very poor TD. VERY POOR!!!! Try to do better with your customer service cause you ain't got one... Will be closing my accounts and take my business elsewhere.

I am an elderly woman living on SSA. I had, after 2 years, a check debit for $27 dollars overdraw my account. I live on poverty wages. I was informed by a CSR at the TD Bank Port St Lucie area that I would be charged for every item that is pending into my account. All of them except for the check debit were approved with my debit card. I was also informed that I would be charged for five pending transactions when only one overdrew my account. I am happy this will fund some CEO's account, but it will cause me not to be able to even live or pay my bills next month after the fees are taken out. I was informed the CSR at the local branch would work with me. I don't have a good feeling about this at all. And here I sit, with an anxiety disorder, freaking out, stressing out that I won't be even able to survive next month when all the charges are deducted. How is this fair? How is this fair at Christmas? How can people be so greedy? Please help me.

I called customer service around 7:30pm to cancel a charge and had to wait over 20 mins to get through to an agent... So much for your most convenient bank as they claim to be... Saving on customer service is the worst practice! They should focus more on customers and less on cutting expenses at a customer cost.

If you do have a TD Debit/Visa card be ready it will be locked/declined any time you make a purchase from stores out your zip code or do shopping online from places out of country even state. If you do a business trip or vacation to another country - DO NOT use your card there, it will be locked in a moment and if you do have no cash - you will stuck until you make a call to the customer service and prove this is you and you do shopping in the Europe for example. You can call to customer service to complain, but they will tell you this is for security purpose. If you asked to decline this option and get approved - I guarantee it will happened again and again in at the most unsuitable moment.

Only after 4 months with this bank I am closing out my accounts. Trying to anyhow, they will not close out my accounts. TD keeps on charging my fee on a zero balance accounts which their Rep was to close. I've called twice already and still they cannot handle this request. Hold times for customer service is long. Once they answer they can't help or the request is not completed. STAY Clear! They make tons of money off the fees they charge.

A bill come out of my account on 11/28/17. I forgot to put money in my checking account. I was working all day and couldn’t get to the bank. So I figured hey, TD is supposed to be "America's most convenient bank" right? Wrong. I went after work to deposit money to correct my account. Obviously the bank was closed and so was the window, so hey I can deposit money in the ATM right? NOPE. Both ATMs are "out of service". I call TD the next day to get my OD fee reversed, they refused and tell me that I should watch my account better and their broken ATMs are not their problem. Great customer service! I will be switching banks ASAP!

Had Target MasterCard since 2006, original credit limit $10,000, I have auto pay and subsequently have never missed a payment. I earn about $120,000 a year have a credit score of 758, but no one is able to tell me why my credit limit is $200.00 now.

I've been with TD for over 7 years and I'm closing my account (the only reason I opened one is because they were the only bank account near where I was enrolled in school). Their customer service is awful. Their employees rarely have answers to the questions being asked and customer service representatives give conflicting answers. Their fees are ridiculous, their hours are inconvenient, and you have to jump through hoops to get what should be hassle-free.

They charge a fee for everything, including if the balance falls less than $100 at any time over a 3 month period. Also charge an insufficient funds fee of $70 twice in two days before realizing I was getting raped and called and corrected the problem. Reimbursed for $35 of it only. This is not a main account and their hidden "fees" create all sorts of opportunities for you to incur more fees. Not only that but they are only open until 5, so if you have a job it nearly impossible to get there during business hours to deposit cash.

TD Bank Huntingdon Valley PA - trying to withdrawal close my IRA in person and the person assisting me on hold with TD corporate for 35 minutes then tells me I can close it on a Sunday. I sat here with her for an hour to be told I have to come back even though they are open. Showed no empathy for my time and never apologized for my time. I am so upset, I will be closing all my 3 accounts as well as my safe deposit box since TD does not value my business and time.

After 7 years, am leaving due to the excessive fees and policies. When I placed my concern regarding the overdraft fee when my checking account had a positive balance reflected. They then claimed that if a debit hits before a credit to the account (which, of course they would take advantage of), an overdraft fee would occur. They claimed the overdraft fee hit at 11 pm, which is why I was charged, causing the fee. They were apathetic at the branch I called, and tried to school me on how to better manage my money than actually trying to help resolve the situation. I will now be taking my business elsewhere, where I will not be fee'd to death.

We have a dispute of the wrong charge in a credit card. After numerous calls nothing has been settled and when asked for a supervisor, I was told she had no idea who it was and you cannot get a straight answer. It is exhausting having to deal with a billing error. Even if you fax and mail your proof and receipts. Use their card carefully. You won't get any help if something is wrong.

Bad experience with the TD Bank. Been with them for 10+ years and every time I need a loan or anything from the bank, I have to jump through hoops. I paid off 2 mortgages through them and still have a very difficult time with them. I do not recommend the TD Bank for any of your banking needs.

I authorized a one time transaction from Coinbase for $2020 "COINBASE.COM/BTC 8003435845". There was an error with their system and it made a duplicate identical transaction. I contacted Coinbase and they said they would not reverse it. I proceeded to call TD Bank on 11/9/17 at 1:12 AM about this issue. The representative assured me of two things; A) There’s only one transaction on the account not two, and B) She would turn off auto overdraft so even it is did go through there would be no issue. I log on to my account on 11/11/17 to find out I have a negative balance of $2,037. Further research indicated that not only was overdraft not turned off but there was a duplicate transaction as I had alerted them to. This transaction not only over drafted my account but caused other pending smaller transactions to be fulfilled due to overdraft. I now have a negative balance and $140 in overdraft fees.

This company is a shame to US banks. Ridiculous customer service and marketing team. They never honor their promotions. Signed up for their promotions via their links and also had the bonus mailer. After satisfied their requirements of $2500 DD, the bonus never showed up. Contacted their team numerous times and they denied the links and even the mailers. Such a despicable bank and it is full of scam. Avoid TD Bank like hell!

The bank is friendly but they don't take care of anything they are supposed to. My husband's name was spelled wrong on the account and on his debit and credit cards. We called them to change it, went down to the bank numerous times and they still haven't changed it. I am also having problems with the mobile app. It keeps on coming up with an error. Spoke to tech support and they told me would take it to the higher ups and send me secure messages within 24 hrs with an update. A week passed and no messages. I keep on calling back and have to repeat the story all over again because they have no notes/record of my phone call.

I have never in my life done business with a bank that is so horrible. I do a money transfer and they reject it because there is information on the check they do not like. The transfer had my name and the source of funds. Then they charge me $35.00 to return funds. Then I go to use my ATM card and it has been deactivated. OK deactivate but at least tell me. I try to make a deposit at ATM and it just rejects the deposit. The only thing they have going for them is they are open 7 days a week.

For the past two years TD Bank would send me pre approved credit card offers. Two weeks ago I finally applied. I was denied with a 780 credit score from Experian credit report. The following reasons. Too much credit. Opened a couple accounts recently. Too much recent activity. I am in business and utilize credit. I would go into more particulars, however disclosure is an issue. The point is I have worked with credit for many years. This bank doesn't have a clue. This is just inept. I would never consider this bank for something important. Credit line, Equity loan and never a refinance or new mortgage.

Have been TD customer for 12 years, I am closing all my accounts from TD! I have been through few times inconvenient experiences with TD but concerned this is my only bank and so many payments relied on so thought to give more trying. In the end, their service keeps going down. The recent one was they hold my USD cheque for one week! That was an urgent fund! I had done many times USD cheques deposit but never had been held until this one. They told me that was a large amount. I asked them if they have paper to show me what amount means large amount. And they said they don't have and it's depend on individual's clients.

When I get a low balance in my checking account, I'm suppose to get a email alert, it never comes. I've talked to TD Bank about my email they say they have it on file. But it never comes, so then I get a overdraft fee, and they never send any alerts. Then I call to get reimbursed and they no, they can't, so I'm writing a review that is saying this TD Bank is actually stealing people's money and this is wrong. We are hard working Americans and they just keep taking our money we need to survive with.

A SITUATION THAT NEVER GETS RESOLVED; THIS IS THE MOST LUDICROUS SITUATION AND INCOMPETENT SITUATION I have ever been involved with after paying an attorney and an accountant to set money and assets up at that bank and an LLC and to make deposits into the bank -- cost 620... hour to both of them and had trusts involved with this matter. Also someone set up an accounting scheme at that bank where money was being transferred out of the bank to another account behind my back. I believe it is called misappropriation of funds and perhaps wire transferring assets out of that bank. The bank manager screwed everything up and told me she did not know what happened to the money. I have a letter from the other attorney indicating the transfers.

Wasted 15 minutes waiting for my phone call to be answered; after the 15 minutes wait, I could hear the phone disconnected - the customer service respondent avoided the call. I called again and was kept waiting again for another 15 minutes before a respondent answered the call. During the wait, you hear a boring recording that repeats the same message over and over, driving you crazy and maybe causing you to hang-up. I believe this bank is incompetent and should be avoided by any reasonable person. It is disgusting that such businesses exist in the USA.

Wasted two hours of my day trying to contact TD and get them to give me the right department and correct address. Unbelievable the hold times, the fact that the workers have no knowledge of what department should be contacted. Everyone continued to refer me to another 1 800 number which just put me on another hold to be redirected once again. Total insanity and chaos. How can such a large corporation be so useless. I have had never had such an awful experience with people in my life.

I am getting charged 35.00 for each 15.00 monthly fee they charge. I was never told it was 15.00 for not having 100.00 in my account. I was told the monthly fee was 7.00. Then they just keep charging even after I have a zero balance. To date I owe 160.00 and they won't freeze my account or stop charging.

I requested a replacement debit card weeks ago because the numbers on my current card are fading. The rep promised he was sending it by "expedited mail". Lie #1 - he never sent it. I called again and the new rep promised to "overnight a new card". Lie #2 - never received. I then called a THIRD time and they promised to send it because the bank location I went to said their machine was broken to "burn" me a new card. The next day, I went to use my current debit card. INVALID. The idiots at TD Bank cancelled it!!!

TD is hands down the worst bank I have ever experienced in my life (I have over 10 bank accounts in 3 different countries). The in-person "specialists" are incompetent and will straight up spew lies to cover their incompetency. I had very bad experiences with their "top specialists" in Toronto when he misfiled paperwork and tried to cover up his errors. The phone service is also very poor. Long wait times and I had a rep hang up on me when he complained that he couldn't hear me well. I was in absolute disbelief. My advice, stay away!!!

I had a very bad experience from TD Bank. If you are going to have your financing by TD Renovate, be very careful, they charge 40% interest, they are money looters & cheaters. They will send you statement late and say you have defaulted the payment.

Every time I go into the bank on St. Anne's Road in Winnipeg, Manitoba I have to wait in line up to twenty minutes. Complained to the bank manager and was told I could always do my banking online. The reason I was in the line in the first place was because when I tried to deposit a cheque through the drive thru it kept on spitting my cheque out because it was handwritten and the machine couldn't read it.

TD Bank. Attn: **. 260 Columbia Avenue Chapin, SC 29036. On this past Wednesday August 30, 2017, I was parked in the farthest spot away from your bank while I waited for my son to walk over from Chapin High School after dismissal. He is a senior this year and has driven himself back and forth to school every day since his freshman year. The motor in his truck blew up last week and his truck has been in the automotive repair shop getting a new engine. His truck is at Chapin Auto Repair. It was supposed to be ready by this past Wednesday, but unfortunately it was not.

I am a new customer at TD, and am extremely disappointed with your customer service. It is seems impossible to reach your representatives by phone. I created a new account at your branch, and the CSR created an online account for me without giving me the username. When I try to retrieve my username, it asks me to CALL customer service. I have called 5 times in 24 hours at different times of the day and EVERY TIME have had to wait on hold for more than 45 minutes without any one answering the phone. Now, I have had to visit the branch in person just to get my username retrieved and am waiting in line for the past half an hour with no help.

While Congress is passing legislation to help consumers being taken advantage of by banks and their excessive overdraft practices, TD Bank is diligently coming up with new ways to deplete your accounts. Timestamping is the new process. TD Bank now time stamps deposits and withdrawals, and even though you transfer "which Is immediate" before anything clears and your account is never reaching a negative balance during banking hours, they rob you anyway.

I have read that I should have contacted TD directly (which) I have but did not register a formal complaint. The TD Branch manager did input some information into a database but I have no record for my files. Here are my concerns. While scrutinizing my August Visa bill I came across 2 charges that I did not recognize. Both were for annual renewal fees (TD Visa Travel Visa). One was for $125 and 1 for $50. I contacted Visa and they said they were for primary and secondary card holders. Ok, understood. The agent told me it was too bad that I didn't have an all-inclusive chequing account. These charges would be waived. I said that I had one for years. At first they said that they would reverse this month's fees. I told them they best go back to around 2010/2011 to do the reversals. They eventually did.

I have a small personal checking account, my monthly SSDI check, goes in monthly. When I was approved for SSDI, I took my retroactive money and opened a checking/savings accounts. I was informed this could potentially safeguard me from overdraft fees. I've been told since that I couldn't get the adjoining accounts because one of the checks deposited is for my minor daughter. Okay, in the last 10 years, whenever there was a discrepancy over funds or if the credit and debit were close, I ALWAYS HAVE AN OVERDRAFT. This past weekend I downloaded their app so I could do mobile deposits, put money in early Sat. morning, It didn't show up as pending, so I took a picture of the receipt on my phone! Sunday evening there are 2 pending debits. Sure enough they charge me for the OVERDRAFT! THEY ARE LOWLIFES.

Good interest rates and very accommodating customer service. However, coordinating between the savings and checking accounts is a bit confusing and to me makes no sense. I don't understand why I have to make a withdrawal once a month. You would think they would want you to keep as much money as possible in the bank.

I closed my account a few weeks ago and my former employer deposit a check "that was not for me in my account." I was told by the company that they need my bank to reverse the funds or legal actions would have to take place. So I called TD Bank to let them know the situation. They told me because there was balance on the account they couldn't reverse the funds even though the payroll check was clearly in someone else name which make me look like I stole money from someone else check to take care of a balance was still owed on my closed account. She then stated that if the employer contact them to get the funds back they would send some back but not all. NEVER BANK WITH TD BANK, THEY ARE HORRIBLE and they don't mind committed fraud!!!

I was paying bills from my account today online and noticed a 29.95 bank fee on my checking account. I was on the phone inquiring about another matter and I thought I would ask about the 29.95 bank fee. I was told that it was a monthly charge the bank takes for my having the account… I was shocked and asked them how long they have been doing it. He asked me to wait while he went through a bunch of pages, came back and told me it had been at least 6 months. He said that to be sure he would need more time. I told him to look into it and that I would wait. He came back on the phone and told me that they had been withdrawing this since 1998… I did them math and it came to roughly 6,800.00. I asked him to please put the money back into my account and he asked me to hold again. He came back and said I would have to come into a branch and fill out some kind of complaint form. I'm speechless… And I think I am going to war.

Credit card - Most banks (and they are a bank) apply payments they receive the same day if received before close of business. Not TD Bank! It took several days to apply my payment, and according to my bank, they didn't accept electronic payments to credit card accounts - only check payments. Pretty shocking to me from a bank! Because of this issue, I was charged interest and a late payment on my account even though I was paying the account in full. They removed the late payment but wouldn't remove the interest.

The bank has very helpful employees in the local branch. However, some of their policies are puzzling. In any one day I can't do an electronic transfer of funds of over $3000. Even though I have had a balance of more than I might wish to transfer on deposit much in excess of that number for a long time. I can however easily initiate a transfer from my TD Bank account directly from my brokerage account at Fidelity. As a retired banker with over 60 years in the industry I find that restriction bizarre.

Open 7 days/Week & holidays... Fraud unit is excellent... Always watching out for the customer... Any unusual purchases or charges in different states, card gets blocked.

I have been with this bank for many years even before it was TD Bank when it was Commerce Bank. I have stayed with this bank for so long because it is great in all the ways stated above. Also it has great hours when other banks are long closed. When I have had to move I have always been able to find a TD Bank. The tellers always make a point to get to know new people. Where I bank currently most of the tellers call me by name which makes it personable.

On a Sunday in late April I realized I had not contributed to my ira yet. Walked into TD Bank and opened a CD ira bing bang boom done. IRS is happy.

The TD Visa CC due dates keep changing making it impossible to keep track of your payment dates. TD is the only Visa I know of in North America that uses this tactic with no email alert provisions for payment due dates. This is a deliberate tactic used to extort late fees from its clients. TD is the worst bank I have dealt with in 50 years of business and personal banking. They should be sued for unethical business practices.

They sold me a line of credit and gave me a second option of line of credit. Internally I needed to have some training of paying back the line of credit as it was two different line of credits. I kept on paying back the wrong one and the interest kept on adding on the actual one. The agent who sold me that line of credit never took any time or stress to explain that. Finally, I found out that one day myself and called TD Bank about it that it was a misrepresentation given to me. Their agent escalated this issue to their manager.

TD Bank plays a person for a fool. I have opened an account and this bank stated as long as I have $100.00 in the account then the bank will not charge a monthly fee. About 2 years later they now tacked $150.00 more making it $250.00 so they won't charge a monthly fee. This bank is a scam. I am shopping around for a better bank that will not scam the public.

They told me that the call will be recorded so they can provide "Legendary" customer service. Then they told me that my wait time will exceed 15 mins and that they can't wait to provide me with "Legendary" customer service. TD: Legendary customer service starts with answering the phone. It's not legendary just because you call it legendary.

I am actually completely out of energy calling and dealing with TD Bank as I am to write this review so I'll put it in as few words as possible. Although this won't help anyone understand my situation nor how I was played with and lied to please be wise enough to consider my testimony as the truth and how terrible this company is. I wouldn't sign up to ConsumerAffairs and input all my personal information to make something up and risk being sued for defamation or slander.

Made a visit to TD bank to ask for a personal loan. While the process was being fill out, the lady started to talk about their 0% interest offer for 12 months on purchases with the TD credit card. After she explained a little more I said yes to the card and got approved. One month later I get my statement and I'm getting charged almost 19% interest on purchases made on card!! I call customer service to see why I'm being charged interest and the rep said that it's only on balance transfers and not on purchases!! After speaking to a supervisor I was told to go back to the TD bank and speak to the lady who told me it was 0% which I did and now she denied ever telling me that!! I have had it with the lies and running back and forth with TD bank and advise people to say away from this untruthful bank!!

Came to Georgia to see my son and help him out a little. Tried to get money from an ATM Friday. It ate my card. I called the customer service at TD Bank. They said they would overnight me a new card because I was in another state and there's no TD here. Bottom line is I've spent over 2 hours on the phone with them. It's Tuesday. I have no card no gas no money and a lot of runaround. Can I sue them?? That's 5 days. I've been left in Georgia with no means to get home because they won't send me my card.

I called the customer services. The lady on the phone treated me very bad, as am nut. I was telling her about a transaction that I see on the web for the card services, she tried to convince me that I am on another website or on another credit card.

I just received an e-mail from a friend of mine who lives in Manhattan. He had trouble with his leg while out uptown, limped into a branch around 43rd Street in Manhattan and asked the teller if he could please give him change of a dollar for the bus. The teller looked at him and said we do not give out change unless you have an account. What a creep! I would have given him the change out of my own pocket! And my friend is a senior citizen. So much for their "friendly" commercials...

I'm NOT got to rattle on here but find another bank to do business with! This bank CLAIMS legendary service, 24/7 customer service, etc etc etc which is a lot of b/s. They claim that keeping a certain amount in your accounts prevents maintenance fees which is NOT only b/s; they charge the fee on a weekend which ends up rolling over into the next month with more fees! So you need to call their 1-888 # which ALWAYS exceeds a 20 minute hold time (see pic from today). When I called yesterday, after over waiting 20 mins; the phone just hung up on me! WORSE CUSTOMER SERVICE EVER!!!

The teller cashed a bogus check that I was not aware of. A bank rep identified it immediately and said teller was not doing her job and would be dismissed. I am now liable for the check and the teller still has her job. TD Bank in of not performing the services I rely should take responsibility or at least split the difference. I am currently in the process of closing my account with them. Chase Bank said it was part of their job to hold this type of check until it cleared.

I was charge for 2 transactions ($85.00) each transaction for SHELL OIL, I never bought oil, also I was charge for $140.00 for overdraft account. I called TD BANK and they told me that I need to wait 2 weeks for the investigation. I asked, "How can I live without money in my account?" I have my business account with Chase Bank and if it happened they added a temporary money into the account until the investigation conclude. As soon as I receive my money back I will be closing my account with TD BANK.

TD Bank Will Steal Your Money. TD Bank suspended the purchasing of their Gift Cards because they allow people to commit fraud all the time. Needed Gift Cards for the use of my business and give employees. When I walked in to the branch they recommended their TD Connect Card. Been a member of this scam bank since 2009, and when I walk into the branch they know me by first name, never had to show ID etc. So I bought the TD Connect Card which is reloadable at my home branch. So I had to login to the account to change the address, out of nowhere I couldn't log into the account even though my account information was correct. When I called these thieves on the phone, they said that security had locked my out of my own account and my own cash loaded card.

Beware of doing business with TD Bank for refinancing. My experience was over complicated, resulted in paying an accountant to assist the underwriting department's bizarre computation of acceptable income to use for consideration. The worst part of the experience was the offer and acceptance for my request, only to be told hours after, that TD Bank reneged. My loan request was for another property purchase and as such, I reported to the seller's that we had finally found the financing. This has left a very stressful, time lost, aggravating atmosphere for the sellers and myself.

TD Bank is a HORRIBLE institution to work with. I was in the process of refinancing my condo and got all the way to the closing before backing out because of their poor customer service and lack of attention. Instead of giving me a list of the required documents needed to close, I got weekly emails of more documents that were needed for verification of my money that was already in my checking account waiting for my closing. The underwriter never even got done with reviewing my file under after I had lost my rate lock and I had to scramble with hours left to wait upon people to send additional paperwork. It was way more stressful and complicated process than it should have been and I will never use or recommend TD Bank to anyone again.

TD, is a very awful bank. The are always overdraft my account, won't let me know, they can't answer questions, don't let me know who took out billing, don't send emails to let me know, who I have paid. Don't use TD banking, changing my bank account to another bank.

TD Bank service is horrible. Bank manager has no idea what to do, hold times for service exceeds 20 minutes. Then they hang up on you or reroute you to another department for another 20 or 30 minutes. 2 of my accounts were hacked, and other TD Bank customers had same problem when I was in the bank. No other bank I deal with has this problem, and other banks have fast service.

Customer service is absolutely and disgustingly HORRENDOUS. First off, the representative for this company has told me (plus 1 other friend) that our applications for the credit visa cards would be approved in 2 days. Not only was this NOT true, it took more than 10 BUSINESS DAYS to even get a reply. What was the reply? Answer: "We will get back to you." What kind of service is this? DEFINITELY will NOT continue to do business with such an unaccountable company. Take my advice, go find another institution!

I am writing today to complain of the poor service I received from the TD Bank representative Anna ** on June 28, 2017 in Lowell Ma. I trust this is not the way TD Bank wishes to conduct business with valued customers. My mother have been banking with TD bank for many years, until she lost her two year battle to cancer. I have never encountered such unsympathetic treatment before. I brought all documentation with me, a copy of her death certificate, the original will that named me executor of the will. I spoke with my Atty. He stated as long as she left a will and I am the executor of the will I should have no problem, but that wasn't the case with TD Bank. The only thing the manager saw was a ** man whom she felt was trying to commit a felony (FRAUD).

The only reason I gave them one star was because I can't go any lower. First of all their customer service 800-number stinks. They’re inconsiderate. Rude. They have no compassion. They don't know what they're doing. They transfer you from person to person. They make you wait on the phone for over an hr. What I needed done they said they could do it but they kept putting me from person to person. I think they do that intentionally so you give up. I used to be able to do the same service that I needed done at the branch by calling them but it depends on who you talk to. Some people will help you. In some way they can't which just makes me realize that they're just lazy and they don't want to do anything . When they say to be with you in one minute be prepared to wait an hour or more so have your drinks ready. Use the bathroom. Make sure you're ready to sit down for over an hour just to be told they can't help you.

I check my account everyday because this bank is very crooked. When I logged in yesterday morning I had OD fees of $140.00. I knew that was inaccurate so I called the bank. I was aware that I had one OD and the representative agreed with me and credited me back $105.00. She apologized and said she could not understand why it happened. She said that there might be one more OD fee because of a pending item and that she would notate the account to credit me back if that was the case.

Unfortunately I have been a customer for about 15 months. During this time period I have had to contact their customer service department on numerous occasions to address late fees that should not have been added to my monthly bill. The idea that they added an additional, higher late fee based on an erroneous charge is asinine. Again, unfortunately if I do not want them to report their mistake to the credit bureaus, as they have threatened, I will have to make the payment and dispute the error. This company has been a nightmare for me from day one. In my opinion they deserve 0 stars.

Customer Service is horrid. I don't even bank here, I work with a title company and they put me on hold for over 25 minutes and transferred me three times before I finally hung up. All I need was a FAX number, not even that complicated!!!

We paid off the car and TD bank representatives keep telling different dates that when they have sent the lien release letter. Every time you call they take sweet time before they come on phone. Bad bank to do anything with. After reading Reviews online and my personal experience they are no good.

I received a Canadian check from my parents. Rather than deposit in my bank (BOA), I decided to open a TD account as I was told the processing fee was less. They gladly took my check for $8600 and the assistant manager told me my funds would be available "in 5-10 business days." Had I deposited with BOA, I would have had access to MY Money the next day. After miserable long conversations over the phone, I was informed, "It will be 30 days." On the next call, I was told, "It could be up to 60 DAYS." "It has to CLEAR COLLECTIONS, IT HAS TO CLEAR FRAUD."

Customer service, computer system and hours are good. But I too have been a victim to TD Bank's RE-ORDERING of the debits for the purpose of gaining more overdraft fees. They are CROOKS because they intentionally re-order the debits to increase the overdraft fees while giving you a BS story that they are trying to help you pay the larger bills. They are filthy immoral people. BUT I have good news for everyone. Cryptocurrencies like BITCOIN are being legalized all around the world and being accepted as legal currency. They are installing thousands of Bitcoin ATMs and issuing Bitcoin debit cards. Crooked banks like TD Bank will soon be a memory of the past. MESSAGE TO TD BANK...YOU WILL SOON NOT MATTER. THANKS TO CRYPTOCURRENCIES. As I warned blockbuster in a phone call, if you don't conform, you will be no more.

Their customer service are really bad with help. They will show you a balance on your account and you will still have the money available and they will just charge you overdraft fee for no reason saying you have overdrafted. I am not really satisfied with their bank service. Please think twice before getting this bank. It's really bad.

Customer service as well as branch service is non existent. Too many complaints and stories to list. It is obvious that their business model is not to pay the employees hence the complete lack of competent customer service. While my experiences have been pleasant it seems that the employees lack basic skills hence the poor performance. I have been standing in front of branch employees of some tenure and they lack a basic understanding of the way banks work. Closed all my accounts.

My 14 year old went into TD Bank where he has 2 accounts. He had only change and needed dollar bills ($5). He was told he needs to go buy/get coin holders in order to deposit the money into his account! They are the furthest thing from banking human and awful to children. My next child went to a different bank already!

When trying to use the Send money feature, we had endless troubles. The information related to Send money seems to be separate from the account in general and any attempt to correct it leads to fraud alerts. Even after reassured that we would have no more problems and following instructions exactly, the account was put on hold yet again. DON'T USE THIS BANK. Although the representatives are pleasant, there is some horrible mismanagement going on and what you are told on one call will be directly contradicted on the next.

The bank is stealing money from people left and right... I made a deposit for more than $4000 dollar to cover a check of $2880. The bank delayed my deposits availability and cleared the check to run the account negative, then fees start hitting my account (5 fees), do you believe gas charge for $20 cost me $35 fees. Shame on you. Stay away from this bank. I will definitely closing my personal and kids saving account. Go to Hell... TD.

Do not believe their ads. They do not bank human. I experienced how they can care less about the working class people. I deposited my employer checks and they froze my account. The checks were local bank checks within the same city. I couldn't pay my rent, buy groceries, get gas to work. I am a single person that doesn't have anyone that can help me out. I tried calling branches, managers, customer service and nobody could do anything to expedite the funds. I have to wait 6-10 days for a local employer check to clear. I'm not sure how I will make it. Just waiting so I can take out my money and close the account. Do not bank here. They hold your money, treat you like a number. I was a previous Chase customer and never had those problems, everything cleared fast but the reason I switched to TD was due to lower monthly fee. Which my account is in negative status due to the freeze.

I went looking for a new bank when Key Bank started really dropping the ball on my accounts and found TD. I use TD Ameritrade trading platform and never had any issues so I gave TD Bank a try. It is like night and day from the great customer service to the deposit availability. I was in a jam and their discretionary overdraft protection covered a transaction $500 over my balance! I put the cash in the next morning. The important takeaway is that they are customer focused and not fee/profit pirates raiding your accounts.

I called the Maine office location and I spoke to Leila. I had to dispute a charge. By far the best customer service I have ever received from any company. I never do reviews but for the way Leila handled my claim I had to acknowledge her. Thank you Leila from Maine. You assured I will forever be a TD Bank customer.

At the start of 2017 and the end of 2016, $1500 was stolen from my account. The customer service representative to spoke skeptically swore that it was impossible that anyone other than myself took the money, because it was withdrawn using a chip. Come present day, news reports claim that the chip is doing more harm than good. However, my money is still nowhere to be seen. Additionally, as of recent, 400 dollars in overdraft fees has been charged to my account, although, I never authorized charges to this bank.

We have a joint account with my wife at TD Bank. Her card was duplicated over a week ago and someone withdrew money somewhere in Manhattan from her our account. The bank blocked the card after the 2nd and 3rd try. However we were still not aware of it because TD Bank has never advised us on that!! Why you don't advise your customer of a serious incidence??? So this fraudulent activity occurred and we realised that days after while checking our account statement by chance. If we haven't realised that issue how we are supposed to take measure and also get back our money?

I have two rental units in Windsor. Upper Unit tenant moved out April 1, 17. Lower Unit tenant Jason moved to Upper Unit April 1, 17. New tenant David moved in Lower Unit April 1, 17. Jason who used to rent lower unit has set up pre-authorized direct deposit for $625/month for past 2 years. On Feb. 6, 17, Jason brought me a new pre-authorized direct deposit form with his signature, new rent amount of $875/month and starting date of April 1, 17 on it. He also paid $250 in cash for new last month rent of $875 (He paid $625 in cash as last month rent two years ago when he moved in lower unit). On same day (Feb. 6, 17), new lower unit tenant David brought me his pre-authorized direct deposit form with his signature, rent amount of $650/month and starting date of May 1, 17 on it. He paid $1300 in cash at same time for his first and last month rent (first month is April 1,17).

I have a complicated issue but it will be kept short.The way they supposedly help you with checking and debit card problems is not even worth it. Especially if someone used your card and banking information to hack your account. I was in this problem with them. I signed an affidavit with them because it was the first step to dealing with the fraud. I also had them file over the police report. What they also failed to do was tell me that I would have to pay the fees and the interest adding up even when you pay what you owe. They also do not know how to investigate bank fraud. They also seem to be on the side of those who commit the fraud against your account.

I keep getting harassing calls for months. I had switched my number to a new one. I wanted a different area code. I had their client Alberto old number. I have told them this 50+ times. I am not him. This is my number. They do not care and have stressed me, woken me, I work 12 hour days. I do not understand why companies can harass people who are not their customer! This bank is the worst bank ever. They do not care about people and do what they want to do and have no regulations or rules for their employees to follow, unless they say keep calling even if that person is not them. No one changes phone numbers in their stupid world. I paid to change my number not them!

This truly has been a terrible experience. I had my accounts frozen and all my items bounced like insurance car payment and rent. I have been in the branch consistently for three weeks and I mean almost all the banks in Cambridge of TD. I have spoken with every branch manager and many many managers at all the branches. Still after being assured no more problems occur they continue daily. I've called front department daily as well cause the branch can't deal with anything. It has come to the point where the front people have told me not to call cause it's the branch they need to speak with. But yet still cannot use my account.

I am the very loyal customer of TD from last 17 years. Although I always appreciate their service as most of their branches provided excellent customer service. Last week I badly need money as I am jobless nowadays, so withdraw some money from my RRSP private account and company provided a cheque. I go to Matheson Blvd Mississauga (1275) branch to deposit. The teller ** said that I need to discuss with my Manager as this cheque is coming from other Bank and he needs some advice from his Manager. He came back that it will take 5 business days when I am able to use this money, I explain to him that I need this money immediately and, "I am quite a customer. Can you please make it possible."

For a small business, this bank is horrific and has degraded through the years. The online banking is NEVER accurate so there's no way to keep track of your finances. I was actually instructed by customer service to use my checkbook but I write one check a month, all the rest is online banking!!! They also hold large checks for longer than one day and play with the $100 advance from checks at their will, both of which caused me to go into overdraft and get hit with $175 in fees, even though a $25K check is in their bank and I've been told yesterday and today it will clear tomorrow so we shall see. Going into a branch is worse, two of three people have no idea how to do things you need done so you have to go back or endure wasting your time, which leads me to number 3. Their on hold time on the phone has tripled, it's never 5 or 10 minutes but always 20 to 30 (or longer). I'm looking for a new bank.