TD Bank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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!