TD Bank Reviews

TD Bank charges $7.00 to cash their own check! My agency recently switched from Republic Bank to TD. I'll never understand why! I patronized Republic for 2 yrs and never had a problem. Republic doesn't charge to cash their own checks. TD opens later and charges! I hope my agency goes back to the much classier bank.

Now, I'm all for testing the waters and hanging on when things are bad. But, I've had it quite up to here with TD Bank. I had $180 in my checking not accounting for my savings which has some parts to this whole thing I'm about to go into. I made transactions that totaling to $73.45. With pending transactions you must wait until they pend.

This is a terrible bank. I will not recommended to anyone. They scammed my money and left me with a collection balanced. I opened a checking account online with TD Bank with $100. After a few weeks, I found out that they started charging me for all these weird fees that I didn't sign up for. First, they charged me a "Paper Statement" fee, then a monthly maintenance fee. When I checked my account balance online, I was only left with $24!! **!! I contacted the customer service to close my account, but they refused by telling me that my balance needs to be $0 in order for them to close my account. I was out of the country with limited internet access at the time, so I decided I will resolve the issue when I'm back in the United States. So when I returned home after 3 months out of the country, I found all these collections letter from TD Bank saying that I owe a $21 balance... a double **!!

First: There's a promo online, meet the requirements and there's a bonus. Well I couldn't do it online which is required, so I went into a branch. They had to get approval. They didn't tell me that the direct deposit has to be minimum $2500. Second: Next day added wife on account for joint. She couldn't be added because another customer had her social. Took days to clear this up. So this other customer, TD didn't check her SS card for verification. Third: Deposited a bank check for a large sum. It was on hold for almost 2 weeks. I had funds in my savings to cover it, plus the manager could have moved it along, she didn't. Fourth: The TD Bank App doesn't work correctly. Your CC may show up there, but you have to log in separately for CC. In general, transactions are delayed in all accounts.

TD BANK on 94th Broadway, NY, NYC is the worst of them all. So unprofessional. I went to cash a check with a lady named ** who attended to me and it ended up being a living nightmare. She decided to go to her desk, have me stand there, and wait for 30 minutes near the teller area. I didn't even know why I was waiting so long. Comes to find out is she wanted to review the TD Bank check. She ended up calling the person who gave me the check five times which is unreal. I never seen anything like it and since the person didn't pick up the phone she contacted Fraud services and then froze the person's account. Only because the person didn't pick up the phone so I finally went to her desk to see what the problem was and she told me that I cannot contact the person who gave me the check myself, she has to contact the person... who is she to tell me what to do??

TD Bank not business-friendly. Today, my online account was frozen for the second time in a month. I called the 800# which was answered in a couple of minutes only to be told they had to transfer me to the 'business' department. That phone rings and is answered by a voice mail telling me the wait is at least 35 minutes. WTF??? The first time this happened, it was a 20 minute wait. TD Bank does not value their business customers. Business owners do not have the luxury of waiting over a half hour for a phone call to be answered. And TD Bank doesn't give you an option to leave your phone number to have someone call you back. Looks like I will be opening another checking account at Chase. They have their priorities in the right place.

I was with TD Bank going on Seven years until February 7, 2017. Since I was with them my checking account was hacked three times and neither times did TD Bank inform me. When I first opened my account on two separate occasions they took $35 for no reason only to say "we're sorry we will refund your account back". That was my sign to close the account then but I gave them another chance only to have their Fraud department fail me three times and not inform me of transactions that they canceled but still didn't notify me of.

I was calling 1888-751-9000 to check my big payment to credit card came through. It is usually takes 1 min through automatic system. The guy was asking too many questions and was really unprofessional. I was asking about manager and he put me on hold for 22 min and then my phone die. I will never call them again...

TD is STEALING our money!!! NOBODY said they could HOLD It for 7 days! They steal $30 a month in "service fees." DO NOT USE THIS "bank!" Their job is to cash our cheques and give us our money! Not hold it for no reason! It's the same company I have received cheques from for the past 5 years! TD CANADA Trust is not trustworthy - They are THIEVES!!! Plus they support DAPL.... So I'm DONE with you evil corporate crooks!

I have a joint investment account at TD Wealth. I want to move my investment to another institution and TD Wealth Legal department refuses to let me have my money!!! They are holding my account and money hostage. TD wants to dictate to me how to use my money and will not release my funds to me! Now I have to get lawyers involved and spend money on fighting for my own money!!! They think they are God. I say they are cowards trying to control others people's lives. This is a true story! Don't use this evil institution. They will try to take away your rights!

I have been a TD customer for 24 years. I don't like the fees either, but they are stellar when it comes to fraud. Someone somehow wrote a check on my account with no addressee and it went through. TD removed the check within 5 minutes. Another payment bounced because of this and they removed the fee. Ten years ago someone was to wire $7,000 from a university in England. After 3 weeks of waiting I canceled the arrangement. Two weeks later TD called to say that someone was trying to get $7,000 out of my account and I didn't lose a nickel.

TD Bank is truly a great bank. I have a student checking and savings and they are great and best of all the customer service is excellent and if that's not good enough they have someone there 24/7...an actual human if something goes wrong with your account. Thanks TD for providing excellent banking during hours and after hours. 24/7. It truly is America's Most Convenient Bank. 5 star for sure! I would recommend it!

I deposited a cheque from Ivari (TransAmerica). The cheque was for a withdrawal under Financial Hardship. Was informed they put a hold on funds for a week 5 business days not including day of deposit. I have been with TD in Keswick, Newmarket 20+ years, paid off mortgage, never bounced a cheque. Last year got full access to funds immediately when I deposited to BMO. Keep a small amount of funds there. Subsequently my cable has been disconnected. That takes up to 1 week for reconnection plus $500.00 deposit delays dental work I am desperately need. Could go on & on. Very disappointed. Was always an advocate for TD. ONCE CHEQUE CLEARS I WILL BE CLOSING THIS ACCOUNT.

I opened a checking account with TD Bank and had my job set direct deposit. My job takes about 2 weeks to set up direct deposit so I received a paper paycheck. The check was deposited by mobile banking on 1/5/17 and it's a government check as I work for the government. I checked repeatedly for when the check would clear and saw it was on hold. I called the bank and was told it's routine for checks to be held up to 10 business days for new account holders. Yesterday 1/12/17 it was still on hold and I received a letter from TD Bank dated 1/6/17. The letter states that my check will be held up to 6 business days because they have confidential information the check will not be paid.

Had an amount deposited in my account and the next day it was gone because they told me I had an outstanding debt 6 years ago and took it without asking first or trying a debt settlement technique with me.

I opened this account in the end of October and closed it first week of January. When I opened it I was supposed to get a 300.00 bonus after depositing 2500.00 and thus, would be used as a new savings account. I guess I chose the wrong kind of account and didn't qualify for the bonus. They never tried to retain my business by helping me fix the problem. I had to pay fees to close the account and get my money back 12.00. What a waste. Who doesn't try to retain a customer? Very rude customer service. Waste of my time.

First, I do want to say the customer service rep and supervisor were polite. I called TD Bank because a few years ago when I began my credit card account I made some purchases and also transferred a balance from a different credit card. I have not used this card in a long, long time and have consistently paid in more than the minimum for a long, long time. I am being charged SEPARATE interest rate amounts for the purchases and transfer balance, to the tune of over $80 in interest per month. In a nutshell my balance reduces very little each month. They would not reduce my interest rate and didn't seem to mind at all when I suggested I would cancel the card. There should be something that the government or a governing agency could control as far as ripping off the public with such ridiculous interest rates!!

I purchased furniture through Schneiderman's Furniture store. They set up two separate payments. I was only checking the statements online, which only showed minimum amount due. I divided the payment into 12 month. After I paid all of it and the account showed, $0.00 owed. A month later, they said I was about $5 short for larger payment and therefore needed to pay all the interest! I refused to pay. I had a credit score of 770, now it is 660 and they continue to report that I am not paying on time.

When my (now husband) and I decided to get married, we figured having a completely separate account from the ones we bank with daily would be perfect for saving up for our wedding. Out of sight, out of mind sort of thing. We opened an account with no hassles (although opening an account here literally took almost 3 hours of our time, which I thought was odd but in any case)... So over the course of our engagement, we didn't use TD for anything but writing checks and making deposits to the account.

My husband deposited over 500 dollars on the account. He already had 600 in there and made some smaller transactions that cleared against the 600 that was in there. A check came in for 750 and TD waited 3 days to clear the deposits, reversed all the smaller transactions to then charge all the overdraft fees. When calling they were unhelpful and could not remove any of the fees. We are new to TD Bank and are disgusted with their lack of consideration towards their clients. Account will be closed tomorrow or once all deposits have all cleared.

I found a fraudulent charge on my checking account - it happens 4 hours before New Years Is a party to celebrate. I caught this by random check of my account. Customer service is told this is fraud. The say it has to go thru anyways on the 3rd of January. This is the 2nd time this has occurred in 2016! It is always right before the holidays - last time was July 4th weekend. It takes 4 weeks to resolve. Banking rules at TD favor the merchant, not the checking account holder. This is an ATM charge - not a credit card! WTH is wrong with this Bank?!

I have been with TD Bank for about 2 years and I am dissatisfied. Had an issue with wife's DD federal disability. DD telling me that instead of getting it on a Friday since the beginning of month was on Sunday they said, "You will get it on third of month." In 11 years we never got it after the 1 of month. Then she promised to take off a couple of overdraft fees. She lied. These call centers I think are manned mostly by uneducated, unknowledgeable people. Time to move to another bank.

Nearly 2 years ago TD Canada Trust Wasaga Beach branch froze my account and accused myself of being criminally responsible for committing Fraudulent activity on my account with absolutely no proof or evidence. Simply I did not do it. 2 years on and there have been no Fraud charges by any Police Dept telling me that no fraud was committed. When I challenged TD Canada Trust about this occurring I was stonewalled and lied to on every front, from the TD Branch manager Jennifer **. Even after I had conclusive proof that no fraudulent activity occurred on my account TD Canada Trust, the bank employees perpetuated this lie. So to clear my good name I engaged in an informational picket of my TD Canada trust bank branch.

Just visited TD Bank branch in Brooklyn 1630 shore parkway. It was utterly disgusting. I had to spend half an hour to deposit one check. No manager on duty. One teller and she looks like she's halfway asleep. About 20 people waiting line and they wouldn't even apologize and all this on Christmas Day.

I've been a loyal TD bank customer for 12 years. Deposited 3 checks from 3 different clients on Wednesday before Christmas. I've been depositing the same clients' checks for several years. Paid my bills on Wednesday to be deducted from my account the next day when my checks would clear. TD bank has been holding my checks for 6 days. Called customer service, spoke to the manager and they can't give me an explanation why their fraud department put those checks on hold until after the holiday. I've deposited so much money to this bank and they can't help me. There's nothing they can't do. I'm a single parent who work very hard to feed my child and I have no money to cover my expenses until next week. Very disappointed.

This person Stanley ** tried to get my 401k by adding their bank information to my 401k as an account to transfer money. THEN they tried to hack my payroll and take my direct deposit. THEY were UNSUCCESSFUL. However I have tried to call your FRAUD department and they refuse to give me the time of day saying they cannot access the account (the person trying to rob me) without their consent. I have filed a complaint with the cyber crimes at the FBI.

I have saved Gift cards I bought over a year ago. Despite the expiration date, I went to use them only to find out there is a monthly inactivity fee. No one ever tells you about these fees. It is on the fine print of the cards and in the paper work given with the card. I will not give these cards out again.

I have never had an issue with any banks before TD Bank. They make it to where you are set up for failure and have to pay overdraft fees. I always pay my bills on time and have enough in my account when paying them. This is the only bank that holds the payment until you have another large payment and then cashes the payments at the same time. Its has happened three times already and I am now going to switch banks. The customer service is horrendous and they wait 2-3 weeks to pay a bill and when checking online it hasn't said pending payment in the past. When trying to correct the issue over the phone, customer service left me on hold on purpose when I asked to speak to a manager. I had to end up hanging up because no one came to the phone after a long wait. I'm closing my account here. Don't bank here. They are TRICKY! Horrible customer service.

I'm shocked to see all of the negative reviews for this bank. I've been using them for personal finances for about three years and plan on using them for many more. I've never had any security issues, problems with my balance not being accurate, or unknown fees. Their customer service is truly amazing. Any problems I have had are resolved with a five minute phone call with a friendly and helpful representative. One more great thing about them? They're open later than other banks, which is pretty convenient. I recommend this bank to anyone and everyone.

Where to begin, I woke up on a Sunday morning and logged into my online banking to my surprise my account was -$199.00. I looked and there were two fraudulent ATM transactions on my account. I immediately called the bank to inform them that my card information was stolen. I stated, "My card is in my possession and someone must have skimmed my information." They said they would start the investigation and I would get an answer in 10 business days. I stated, "I can't wait 10 days. I have bills to pay and mouths to feed."

This is the worst BANK in the world! Absolutely terrible customer service. Very rude! The customer service representatives do not have a clue what they are doing. My stress levels soar through the roof when I am talking to these idiots. They block every single one of my would be transactions. Switching back to Wells Fargo 100%.

I have been with TD Bank for 5 years. The one issue I had once, someone took my account information and ordered something online. When I called TD they were great. Refunded my money back immediately and all I had to do was go and pick up a new card. This time someone completely emptied out my account. I am with a balance of 0$ in my account. I called them and they told me I had to wait 10 business days to get my money back.

Late last summer I was a victim of a loan scam. Yes I should have known better and I admit that. The perpetrators claimed that they were from a loan company and they could deposit a loan of $8000.00 into my account within a few days but given the circumstances of my credit history, they would only be able to transfer about half into my account and I had to send it to 3 different via MoneyGram to get the whole amount of $8000.00 into my account so I reluctantly did that. I sent 2 deposits of around $1400.00 to 2 different people via MoneyGram and the third was cashed out by the bank teller and I sent that to a third person. What I didn't realize was that the money was submitted by the perpetrators via mobile transfer. There were a total of 12 checks sent into my account with my name obviously forged on every one.

My husband and I applied for a home equity loan with TD Bank. We had many communications with their loan specialist including numerous emails which included our loan number and said loan in the title of the email. We were approved for a $39,319 loan at 4.5% fixed interest rate. Sounds great, right? Well imagine our surprise when we went to our closing and the paperwork was drawn up for a LINE OF CREDIT with a VARIABLE interest rate that can go as high as 18%. We showed them the multiple emails we had received from them stating that what we applied for and were approved for was a loan, however they would not honor this and told us if we want a loan, we have to start from scratch all over again with our application. They didn't even apologize or even offer to forward our application paperwork along to the correct department.

I cannot tell you the frustration and stress that TD online banking has caused me. My blood pressure soars when I attempt to log into my account and call Customer Service for them to ask me what was the last deposit amount and date. If you don't remember these detailed they will not assist you. Even when you have all your business documentation for verification. I've had my account with TD since July 2016 and 3 times I've tried to log into my account, and all 3 times it tells me that I have to call, it's locked. I mean really.

I recently tried to refinance my home and was surprised to find out that I had six 30 day late payments on my credit report, all from TD Bank. Outside of those credit items, my report is flawless. It turns out that even though you may have a loan or line of credit that requires 12 payments with an average minimum of $200 that you MUST make those payments within a certain window.

I am with TD Bank for so many years. I have been ignoring their small errors for so long but recently they started stealing money from my account. They imposed balance protection plan to my credit card and when I asked them they said either me or my wife consented for it. I asked. Okay fine if that is the case. Then please let me hear the recording where we consented for the service and we are okay with the charges been made for that. It is been over 4 months but they never clarified the issue instead of calling them endless number of time. We are pretty sure we haven't consented for any of those services but they stole a big chunk of money from our account and not at all ready to resolve the problem. I am really not happy at all with their services. I would rather suggest all TD customers to check your online banking every day as you really cannot trust them to handle your account with honesty.

I have an account with TD Bank and unlike other posters here, I've never been abused by them. The only things wrong were that they forced me to have personal checks with my savings account which I took home and destroyed. I use money order checks from them so my account is balanced for me and I run no risk of identity theft. I've taken loans from them in times past and never had any problems. I've been beside myself because they insist on making me have a bank statement just like a lot of other banks. I HATE bank statements. I'm a concerned about what might happen if I "go green" and start getting them online because as always, there are security risks.

By far the worst bank and customer service on the face of this green earth. DO NOT use their credit cards. DO NOT use the bank service. The customer support teams are under trained and do not know anything. They cannot answer questions correctly. They give out inaccurate information causing you to call back multiple times for more incorrect answers. They are rude and not compassionate towards their customers. Similar to another reviewers experience I was left completely stranded while on vacation.

I received a coupon from TD bank saying if I open a checking account I'll get a $100 bonus. So I opened one because it is near my home and opens every day. I was told since I'm still a full-time student, they will open a student checking for me because there are more benefits - no monthly fee, no minimum fee etc. Also the staff told me I'll receive the $100 opening bonus in these days. For some unknown reason I was required to deposit $25 to my account, when it was clearly stated that there's NO INITIAL DEPOSIT needed for student checking. I had to leave the bank to get cash but that was okay. Soon after I opened this account a lot of stupid ** happened. They never inform you of anything.

I was first charged an overdraft fee of $35.00 a few months ago, so I called TD Bank. I thought it was extremely suspicious the way they "held' certain transactions for days and also held my deposits until they could slap me with an overdraft fee. The cs rep told me that debits are processed in order of which they are received, but this is absolutely not true. After now getting slapped with at least 6 overdraft fees, I am convinced they know exactly what they are doing and manipulate transactions so that you will be hit with as many fees as possible. The last straw was today. I am immediately withdrawing my money from this bank and I would advise everyone not to bank with them anymore. I am completely disgusted.

About 2 months ago my significant other and I went to the grocery store to do our shopping. As we always do, we stopped by the ATM to verify our balance (we live paycheck to paycheck so we keep a very close eye on our account balance). Our account showed we had almost $500 available. Knowing we were going to be receiving a bonus from my significant other's employer and overtime, we thought nothing of the extra $200 because it added up to the OT (post tax) and the bonus (post tax).

TD Bank violating their own credit card billing statement policy. Every month I have called and spoke with a customer representative they have admitted there is something wrong and have credited back the improper interest calculation.

I'm writing this review not only to express my total disappointment and anger with the so called customer service of TD Bank but also hoping this message creates some sort of positive change within the TD Bank construct. I was taking a business trip from New York to N. Carolina and when I got to LaGuardia Airport to check in my baggage, I realized that the credit card I brought with me, was the wrong card. I could not go home to retrieve the card at this time because my flight was leaving soon, so I was forced to use my debit card. I immediately called TD Bank customer service and explained my dilemma and emphasized that I had no other card to use while in N. Carolina. Not only was I bounced around from customer rep to customer rep, everyone I had spoken seem to literally have no care or concern about this emergency situation.

Whatever happened to 0 fraud liability? If you ever have a problem with your account and have to consult TD Bank, God forbid, it takes days to get someone on the phone, weeks to get it resolved and months before you'll ever get a refund for something that is an outright error from someone else. You'd be better off banking anywhere else, and it's hard to be America's most convenient bank when it takes you 25+ minutes to get a representative on the phone, and in-branch officers and Reps who HAVE NO IDEA how to handle anything.

I received a credit card from TD Bank that I NEVER requested. Immediately I called them. After speaking with several departments, supervisors, I was finally told someone applied online for a card in my name, my ss number, my address. I called police, police filled out identity theft report, called the three credit reporting agencies and put a fraud alert on my accounts.

In an emergency I went to Home Depot at night to buy a replacement sewerage ejector pump as I had come home from work to find ours had broke and we had sewerage backed up unto our basement floors and the horrible smell as with the pump broken it couldn't be released out. My charge was denied at register. I called td bank and was told that the funds weren't available because they had put a hold on a check I had deposited earlier in the day. I pleaded with them - even cried out of embarrassment and horror that I needed to make this purchase and why couldn't release the hold as the check I had deposited was from another member of their bank (it was a td bank check!!).

I am so angry right now. I'm seriously having a hard time processing what my son just told me. Anyone of you who knows me knows that I did my best to raise both my sons to be upstanding hard working responsible law abiding young men. And they both are!! And I'm very proud of them. I taught them both good work ethics. I set examples of what it means to work for something you want. I taught them how important it is to Save your money. I showed them how to maintain and keep a good credit score. Hell they paid such good attention they are both doing better than me. Praise God!

TD Bank in Brickell, Miami, Florida offers the most frustrating and inconvenient banking experiences one could have. Despite having been an active customer that visits the branch on a weekly basis, TD Bank will treat you like a stranger ready to commit fraud. They are always understaffed and you must always wait in lines. You cannot make wire transfers online and cannot get verified telephonically. Everything must be done in person and you can't make an appointment, just try your luck and see if you can actually see someone within a reasonable wait time. Their staff also suffers from a lack of knowledge. It seems like no one has the right information and ask two employees the same question and you will get two separate answers. It seems they do not specialize in anything.

I'm an active duty Army officer stationed out of state and not near any TD Bank branches. I was recently married and needed to change my name on all of my accounts. This includes airlines, credit cards, passport, DL, professional ratings and licenses, bank accounts and more. The process, as everyone knows, is arduous. Literally every institution listed above has a provision to complete this process either by faxing copies or mailing original corroborating documents. The ONLY one who insists on you doing it in person, and will not budge in their policy is TD Bank... "The most convenient bank in America". Thanks TD Bank, for your undying support to our troops. We are closing our account with you. Your customer service and "convenience" is far behind your competitors.

I was trying to open a checking account at the TD branch in Secaucus, NJ (1262 Paterson Plank Rd, Secaucus, NJ 07094). While I was waiting for one of the advisor I notice that the tellers were not busy with clients so I was asking them very politely a few questions about opening an account. They responded to me in a very mean way and made me feel like why should I bank here? A lady by the name ** gave me a very bad attitude and she was very rude to me I just left the bank without seeing the advisor and I ended up opening my account in a different branch with a much better behavior from tellers. At the new branch I mentioned this bad experience with the branch manager and I was told that this is not the first time that they get complaints on the tellers from the Secaucus, NJ branch. TD Bank is not a bad choice but depending what branch you are choosing. Good luck!

This is why I'm leaving your suck crap bank, not because of the fees I can care less about that, but when I need my money or when I need to use my debit card I shouldn't have any issue. For fact I'm one of the best customers you guys can have, because you guys made money over me by charging overdraft fees, and I paid them always. I will put as much as feedback anyway everywhere about this ** bank. This is my issue, I went to the ATM made a deposit. It was $500 cash. My account is over draft and I need to care of that and I work overnight and I need the cash for gas and food while at work but this ** bank put my cash deposit on hold till the 8th which is two days after. This is the life in America. I'll be starving by the time the release that funds which was cash deposit. I never hear a bank have that issue but you guys. This is why I'm switching to a different bank where my cash deposit not going on hold.

I'm a freelancer - I just started my business and don't really keep much of a balance in the account. However - my account was -$12 which I received a $70 FEE for and then I was charged with a statement processing fee in the amount of $2 and once again was charged another $35 FEE. They are probably one of the worst banks I've banked with - and I'm sure that all the others are the same.

I am only going to echo what has already been written here by those before me, in the vain hope that it might influence someone within the bank itself or within the regulatory powers that be, to curb TDB's abusive policies. TD Bank manipulates its accounting. Specifically, how and when it posts credits to account holders, so as to charge the MAXIMUM number of overdraft charges possible.

Currently I am with TD bank and I am looking to buy a property. I understand I work for a family business and do not have a good income history. That is exactly why I went to see a mortgage advisor. After a long conversation the mortgage advisor told me as long as I have a 20 percent down payment which I do I am okay. I made an offer on a property, the offer was accepted and I continued to discuss affairs with my mortgage advisor. It is no surprise I was rejected. However the problems arrives with the how I was rejected. I was told I was pre approved and after I gave all my information to TD I never got back a response. I called them multiple times and every time I was told tomorrow or next week.

I opened a new business account with TD Bank - May 2016. I sold my first car at my used car lot Sept 2016, deposited the credit union check on Saturday. Wrote checks on the account Monday, then have vendors calling me telling me the checks are bouncing. I called the customer service where I was told that ANY check deposited on Fri or Sat are not credited until the END of the next business day. Which equated to not seeing the credit to my account until Tuesday. I asked if they would consider reversing the overdraft charges since it was my first time with the account and the fact that it was a check written from another bank!! They refused. I closed the account today Sept 2016.

I use bill pay on my checking account to pay all my bills and know that TD Bank is not set up to accept payments within the 3 day window like other creditors, so I scheduled it 8 days ahead like my bank suggests. Paper checks are sent as payment to this bank. Evidently, TD Bank has a policy in place that they can stretch it out a full 10 days. Even though my payment was showing on their system as being received on the 15th, it was never applied. I received a collection letter from TD Bank regarding my TD credit card saying I was past due on the 27th. "We may report information about your credit card accounts to credit bureaus. As a result your credit report may reflect late payments, missed payments, or other defaults on your account." At the end of the letter they say "Our focus remains on delivering a legendary customer experience, and we're here to support you anytime."

TD Bank is the absolute worst bank I have ever had. Only had account two weeks and they have me overdrawn over $100.00. From what I see they hold transactions until they are ready to post them. I had a FPL payment that was done via debit and they did not post it paid until well over a week later and charged a $35.00 OD fee. There were several other debit purchases, they did the same thing. Then after I was already in the hole, over $100.00 in OD fees alone they conveniently charged bank fees. Their customer service reps are extremely rude. I will be finding another banking institution. If you are smart do not open an account with TD Bank.

This bank are masters at passing the buck and pretending not to know what is going on with your money especially if you don't have 1,000's. This bank has a so-called supervisor who even blamed the Federal Reserve for the discrepancies with my account. I was on the line with the second supervisor and she told me that she wished she could put a million dollars in my account but she cant do anything since her computer screen didn't show the refund. I never asked for a million dollars only the $77 that was refunded by the other party 4 DAYS AGO!!! I am shopping for another banking institution as we speak and plan to put the word out about this institution that justifies poor business practices and is full of excuses.

I deposited 400 dollars cash in an ATM on Thursday night. On Friday I went online and the cash had been posted. I used my debit card on Friday night and Saturday without a problem. On Sunday I went online and found they reversed the $400.00 on Sunday morning and charged me several hundred dollars in fees. When I called I was told they could not really help and reduced the fees to $45.00 which is insane because it was their error.

Regular monthly check deposited for years but online account activity shows they are holding it for pending review. Called the branch, spoke to rep who asked how long we have had the account (five plus years, and we have several accounts, including business accounts). He then said that they have to call the bank the check was drawn on to make sure the funds are there and if so, we should see the money clear sometime today. Makes no sense since it didn't show up in pending until I was on the phone with him and they usually give $100 in available funds from the deposit. There was no entry that showed that but they pended the check less $200 and never posted a description of that.

I opened a Simple Savings Account at TD Bank on the phone, with a direct withdrawal of a set amount of 25.00 monthly directly from checking account, I never was given any forms to sign and was never asked to sign any forms ever. But now it appears that I must travel to a local branch to sign forms to close this account and to have this action completed. Seems to me as a double standard because I never signed not one form, I now have to sign forms to get my money back but worse is, that it has to be in person. IT'S MY MONEY AND THEY REFUSE TO GIVE IT BACK TO ME, technically it's their money. WOW.

My first time today in life that I had a very bad experience with TD Bank. This afternoon with TD Bank the bank teller screwed me up. I wrote the correct amount on my check and she made a mistake. Now I have to back come tomorrow to clear this matter. The bank teller made mistake. This is in Staten Island NY 10314. She got mixed up with a number. You messed me up TD Bank. Thank you very much and you ruined my weekend.

On 24 December 2015, being a typical guy, I was doing my holiday shopping. After a few hours making various purchases with my TD Bank Debit Card within a 15 mile radius of my home in Rhode Island, my last stop was at my local TD branch to get some holiday cash from the ATM. There, on my ATM receipt, I discovered an additional $2,000 in my checking account. Sweet, I thought... must have been my wife transferring funds so I could get a new iPad for myself for Christmas.

The "customer service" agents are terrible. They cannot speak English properly and they cannot spell correctly. They made up a street name on our account and it was returned because the street does not exist. They tried no other mode of contact. I called them because I was concerned about not getting a bill when we used a special interest-free sale. They said we weren't overdue and acted like we were avoiding them. They sent two bills and tacked on interest and a late fee because it was overdue. Then they "corrected" our correct address with another made up address a month later.

TD Bank is moving around the timing of debits and credits to cause overdrafts and $35 fees. Earlier this month I had a pending debit. I saw online that I would be about $6 short. So, I electronically transferred $7 into my account. Electronic transfers are available immediately. I confirmed that they had credited the $7, which they had. 2 days later, they had switched the debit and credit so that the check would bounce. Then they charged me $35. A week or so later I saw that they had re-processed the check... which left me with over $250 in my account.

I would say for the last 4-6 months something has been happening so so wrong. I have been with TD Bank for years and never had so many problems. It seems as though they hold deposits, charge fees that shouldn't be charged. The problems go on and on. They are going to end up with a class action lawsuit, just like Bank of America did.

I have been with TD Bank since I was 18 - over 10 years and I have never had a problem with them however that all came to a crashing end when I ordered something for my son online with my card for my son's birthday. Long story short they allowed someone to take double the money out my account so I called customer service over 9 times and after being transferred and hung up on I went to the nearest branch. I get there. I'm crying and very upset. My son's birthday is ruined. His gift never came and I got charged double for it.

I recently noticed that I was getting charged for overdrafts. I keep very close track of my account and noticed that when using the bill pay option, the bank does not deduct the checks from the account when they are written but when they say the check was cashed. Over the last few months the same payee, even though the check is dispensed on the 16th of the month, never gets deducted until there is not enough to cover the check, thus a 35.00 charge. When you go into the online bill pay section, it show you what was RECENTLY PAID. If you are paying a bill you deduct it from the account and not two weeks later. I have had enough of this type of bait and switch mentality just to be able to collect more fees for less service.

I have been having economical issues of late so my account balance has been kind of low. In the morning of the 11 of August I had a positive balance but I knew the light bill was due so I deposited money to avoid an overdraft fee. I checked my balance on the 12, 13 ,14, 15, and the 16 and all was well with the world, but then I remembered the Planet Fitness auto payment due on the 17th. Well, it was only $10 but I didn't have the $10 in my account (unfortunately... I told you it has been a tough couple of months). :'( Anyway I went directly to an ATM (Because by the time I got out of work, the banks had closed) after having called the bank and asking a rep that if I deposited in cash would it be available for the auto payment the next day which the rep answered "yes".

I have had various issues with this bank. The one that really concerns me is how they hold money at their discretion. I made an order on amazon for 359.99, then immediately canceled it realizing that I forgot to cover an expense that superseded it. They held it in pending going on 7 days causing a insufficient fund fee of 35 and then I have 2 more of those fees hitting today. Yet I can return an item to Amazon and have the refund in my account before leaving the ups store. That's if I had more funds in the account. They are sneaky and the federal government needs to investigate and make them reimburse everyone's fees since they started this manipulation.

They have overall great Customer Service! I have not had a problem with them other than a problem that will be solved (I will make sure of that). Know that if you are thinking about TD Bank that they suck with sending you bank cards in the mail. It is stupid that they can't even have it leave their facility without misplacing it. Then they tell me that I already received the card when I didn't. So if I were you you should find time to go into a TD Bank branch to talk to a person face to face. Tell them that they need to give you a bank card now or make sure that the card will be shipped from the facility when they say it will be.

They refuse to allow me to open an online account??? My card is paid off every cycle in full??? Customer service are complete idiots, you will never get the same answer twice, you have to call all day top straighten out problems. They have no idea how to run a credit card so they have no right handling money!!

I have been with TD Bank for over 15 years and I have never had a problem with my checks clearing. On August the 4th I deposited a check from PVH for 3008 at the ATM at 3:15 pm and they are telling me that I can't have access to my money till August 12. I don't understand why the long hold and no one is answering my questions. I have bills to pay and all they can do is tell me I have to wait till Friday. Customer service is giving me the run around telling me to go to the bank and they can left the hold and the bank is saying customer service is the only people that can do that.

Money hungry!!! Ooh how they love to charge Fees. We have never have had an overdraft fee at any bank till about 2 months. When I noticed these 3 overdraft fees of $35 each that they post activity now till timing of transactions and not what's in your account at the end of day. Well since then I have been logging into the account everyday. I logged do to it today and saw balance didn't add up right, looked through the activity and saw an overdraft fee. Well to my surprise It shows a maintenance fee of $15. Causing an over draft before my paycheck cleared. But here's the problem the $15 fee shows it was posted on the 3rd. My husband and I both have logged into the account on the 3rd, 4th, 5th and 6th and there was no maintenance fee listed on those days.

Person I dealt with at one of the TD branches had no patience with my father who isn't a English speaker. He sounded irate every time he called me to try to explain something. My father had to deposit two checks I wrote to him into his account, which right away cleared my account, not pending, but they were cleared and released. TD Bank had the audacity to say it'll be released to my father in 10 days! Are you kidding me, as if my father doesn't have bills to pay, a family he needs to feed! This guy was a complete jerk. Would talk over me and not let me speak when I would try to express my frustration.

I had my first bad experience with TD when I deposited a $800 check. It cleared an equivalent $800 credit to my balance, so I paid my bills only to find that 3 days later they reverted the credit by returning the check at that point generating dor TD: $35 overdraft fee + $15 returned check = $50. How a SANE person could deal with this trap policy? So I have to wait 3 days with a cleared check credit to my account to only then use the funds safely? I suspect THOUSANDS of CUSTOMERS are being taken advantage by TD like me, and further: I suspect a CLASS ACTION LAWSUIT is on the making, it gotta be. Avoid TD as a plague.

Without notifying the parent on the account 3 Teen cards were closed leaving the cardholders without funds for basic needs. This is not the first issue we have had with TD. The business checking account has continuously been over drafted with promises of corrections that never arrived (we have e-mails with these promises from bank officials). The TD credit card has been compromised.

They are supposed to be charging overdraft fees according to the date of the transaction... When I go to check my account after purchases it shows my available balance after the purchase has been deducted... but the bank it changing them to show that my account is overdrawn and they keep charging me fees... This isn't right. I've paid at least 10-15... $35 overdraft fees within the last 2 weeks... but whenever I call they make it seem like I don't have the money available when I make my purchases and check my account balances immediately after I'm getting $35 overdraft fees for transactions I made before my account was overdrawn.

I had my overdraft protection turned off after one month of having my account due to an overdraft charge of $75.00. Robin, the branch rep sat down with me and both of my parents and agreed to turn off the overdraft protection. All was well for 3 months then AUTOMATICALLY the overdraft protection was turned back on by the bank. I went back to the bank to have the overdraft protection turned back off and the Bank fees returned. The bank is refusing to return the overdraft fees even though they know that it was a banking error and that the overdraft protection is automatically turning back on after about 3 business days.

For the past 7 months I have been reporting an issue with my checking account to TD. I've visited the local office 3 or 4 times and I have talked with the customer service reps 3 or 4 times. The account has been set up for some 7 years to deliver copies of checks to me each months. Last November 2015, the account setup was apparently changes so I no longer receive printed checks and no one has been able to fix this. All TD gives me is assurance that "It's OK now", but it still is not OK.

I have had a TD Bank account ever since I moved to Vermont three years ago and have just recently had an issue with them. However, I did have one instance where this bank accidentally cashed a check I deposited failing to see it was before the date the check was written on causing my account to go into the negative. I was at the grocery store yesterday trying to pay with my card knowing I did indeed have money and yet my card was declined. Annoyed, I made it to one of my local branches and explained to them what had happened. I told them I thought it was being declined because I had not activated my new chip card and yet they assured me that it was due to a possible fraudulent charge and a hold was out on my card just in case.

TD Bank is just "Overdraft Fee Happy"! I am putting TD BANK on blast!! It is not the most convenient bank, but the most dishonest bank! I have only been a customer for only two months, and I am very sorry I opened this account in the first place. I am ready to close my account for good. This past week alone I incurred 5 overdraft fees that totaled $175!!! TD Bank has a feature called "Payment Advance". HEY, TD, why don't you call it what it really is... "If You Want Overdraft Fees, Click This Box".

I absolutely hate this bank!!! They are the worst. Horrible customer service who can barely explain why something is happening on your account. Let alone you verify all your information and then have to re-verify when you get a representative. AND to top it OFF, this new posting order. UNREAL. They are scamming hard-working individuals out of money with all these fees, that may not pop up one day, but the next. Basically they found another way to get as much money as they can from the hard-working families, just to benefit them. CLOSE YOUR ACCOUNTS FAST EVERYONE, they will take all of your money. I am closing my account with them as of tomorrow. Banking with them for 10+ years and this is all I get. I refuse to give them my hard-earned money.

This is a terrible company. They are holding deposits for 6 days and when I wanted to go into a brick and mortar TD Ameritrade and deposit cash in person, I was told they don't accept cash. Stay away... Far away.

Very annoying to say the least.

I transferred a significant amount of money to my girlfriend's account at TD Bank. My bank (Nutmeg State) sent the money on 7/5. It is now 7/11, and the money is still not in her account. We were told it's because I transferred the money on a holiday weekend. Ummmm... 7/4 was the holiday. 7/5 is the day after the holiday weekend. Normally these transfers take only two days. When I TD Bank to find ask them to account for where the money is (on 7/10, a Sunday), I was told that the ACH department was closed!! Unfortunately, now, checks are bouncing. This is ridiculous. I know ACHs are held a couple of days so that banks can make an extra profit off of the floated money. NO LONGER! It's going to be cash only going into that account, and I will be pressuring my girlfriend to leave those thieves at TD Bank in the dust.

Been banking for years with them with no issues. All of the sudden I'm getting overdraft after overdraft fee. Turns out if you make a transaction that will put you in the negative in the future (not at time of transaction) and you transfer funds to prevent this they still hit you with the overdraft. They told me it's the new way they process transaction. Stay away from these people. As soon as the two things I have clear I'm closing this account.

I make the deposits for the company I work for. TD bank requires me to stand at the window while they put each of the checks in a check scanner. During busy times of the year, it can take a lot of time and while I wait I get to watch the teller try to balance the deposit. Our company is looking into a new bank to use for this reason and others. If you make deposits with numerous checks, I would not recommend TD Bank as the bank for you.

First of all this bank has the worst customer service, I am so disappointed. Whenever I call regarding my account, they need my last transaction I go such as the amount, the date and for what. I'm actually calling them for that info and they cannot help me. Even though I have my social, my account number, in order to get such information, I have to go into a bank. Next is they have some ridiculous fees for overdraft. I am closing this account ASAP. Don't make the mistake I did!

They began charging me for keeping an HSA account. One cannot take the money out without a tax penalty, so no way not to pay. I did not use the account for a while, after I changed health plans. So they inactivated my account. HSAs are touted as a way to save up for retirement health expenses. TD Bank makes sure that you will never be able to do so. When I contacted them, they would not re-activate my account, until I went to a branch, in person. After they reactivated my account and sent me a new debit card, I tried to pay a bill online. They would not allow it. When I called, they told me I needed to go to a branch and activate the account.

Because of this illegal overdraft I was overdrawn again with will not be so assuming I was not charged.

All coin counters were removed from all TD Banks. Another service that was removed from their banking locations. Many children used this service with their parents from money saved in their piggy bank. That money could then be deposited in their TD Bank savings account. As an adult I have used the service from change I had saved in a large water bottle. Last trip I had over $700.00 in change. Try putting that amount in coin wrappers. Just another "SERVICE" taken away by this bank. Free pens. What a joke.

My Mom passed away. We have a will and she only has a few GICs as well as cash in TD Bank. Owns nothing. Thought it was going to be very easy to deal with since we have a will and I am the executor. RIGHT, not with TD bank. It's not. They said if the total amount of her estate is more than $30,000.00 they want it to go into probate. That will cost us around $3000 or more plus other costs, in lawyer fees plus WEEKS of waiting as courts are backed up. They don't return calls and take forever to make decisions and call at the end of the day to give you their decisions. They don't always call when they tell you they will either. Trying to get an appointment to come in and talk to the branch manager has been a challenge. One person told me we could come in and talk but he could guarantee they won't change their minds.

Consumer beware. TD Bank's new time stamped posting instead of dollar amount re-posting is no better. It is another gimmick aimed at defrauding low-end customers from their hard earned money in overdraft fees. Many banks (Chase, Bank of America) just to name 2, have reverted to posting debits in time order rather than dollar amount. HOWEVER, every bank I have ever dealt with always posts credits first regardless of time and then debits on amount order or time. Well, when TD Bank changed from largest to smallest posting (in an effort to appease its customers) it included credits. So again instead of any order to benefit the consumer, it still benefits the bank first.

The manager (man) that was working on Monday, June 13th at the Haverford location was extremely rude. His behavior was unacceptable and I'm sure if his boss, Jennifer, knew that his service was disrespectful, then she wouldn't be happy. I'm going to transfer (all 3 of my accounts) banks because this was the last straw. There has been one too many issues within the last 2 months. This man needs to stop worrying about eating (he always has something he is chewing on when I see him) and start changing his attitude and become a happier person.

From September 09, 2015 to October 29th, 2015 I gave one of our employees a business card to specifically only buy materials with this card. During this time he had one of the business cards he came into your branch in Ambleside and apparently he was able to get cash withdrawals totaling $8,935.00, and $20,289.50 in money drafts out of our business account. Other withdraws total $5,661.25 from ATMs.

Awful customer service. I have been paying my son's auto loan while he was in school using autopay. I am not on any papers and have zero liability. They won't let me off. Insist he's a name on the checking account (he isn't), they are now getting paid double on the same loan by my son's bank and mine. They don't answer the phone for hours. When they are on the phone they lecture and don't listen. Totally unbelievable, rude, and incompetent. Operators all have fake names and won't furnish any OP ID # so they can be held accountable for anything. If there was a minus star rating I would use it. I'm having my bank issue a stop payment against them to stop them illegally accessing my account.

I would give NO stars but this site demands one to publish this review so please disregard it completely. This bank robs you using overdraft charges. Pending transactions are the new way to rob hardworking families out of hundreds of dollars a year. We are only in the month of June and so far my statement has a tally of over $700 in overdraft charges. Basically, if I purchased 7 items under $10 with $5 dollars in my account knowing that my husband's direct deposit goes in the next day, TD will let a pending transaction go through right before 8 pm when you blink thinking you're good till the next day allowing you no time rush to the bank to replenish the funds to then hit you $35 on each transaction for a whopping $245 because a Gas station charge goes through that late in the day. If you can't clearly see that as a scam then they must really consider hardworking struggling Americans to be the biggest idiots on the planet.

I have had an account with TD Bank for years carrying a negative balance. Ever since they offered me overdraft protection I have been in the red ever since. Now I had 3 payments that were supposed to go through and because I didn't have enough funds in it they charged me $48 for 3 transactions. How is it that they have the money to take from your account but not to be able to make your payments? The entire bank is a fraud along with all their phony loans and money they make from thin air. This is how they make billions in profit from putting people into debt. Debt is their cash cow!

I was on the internet tonight and found charges on them that I did not place. I called TD Bank to alert them of this as soon as I found this out. I have been a loyal client since they were Commerce Bank, which dates back at least 25 years. I have had a total of 3 overdraft charges in that time and have always maintained for the most part their 100.00 minimum balance.

I was charge overdraft fees because when I deposited my money there was cash and checks. This bank is holding the check for 3 days its only 200.00. Now they are charging me overdraft fees but the money is there. They are holding the checks. Now they have 70.00 dollars from me which was money to pay my bills. And they say this is their policy. The money is there but they wont release it. I am a single mother, the money could have bought food for my son. I AM TIRED OF THIS **.

Tried to establish an account with power of attorney and beneficiary. I was assured it was all done, and the branch had all the paperwork. Week after week, the central phone TD Bank could not confirm either. Finally went back to the branch, they promised to fix it. I called again for weeks with no fix. Back to branch, back to calling. Ultimately fixed. Then the ATM card for the POA was wrongly changed to send me a new ATM card. The new one had a chip. I switched to the new card. Weeks later, the POA got an ATM card and it worked at the branch. They were closing but promised to let us back in if it didn't work, hers did, mine didn't. Would not let us back in, and claimed my card was the wrong card. After all these months, I finally gave up and closed it a couple days ago.

I have had TD Bank for the last 6 years. In that 6 years, I've probably been charged an overdraft fee maybe 4 times due to my error using PayPal to withdraw a "virtual" check from my account. But as long as my account was not in the negative at the end of the day (i.e pending payment going through showing negative $15 as balance. Deposited $15 by ATM and put it back to balance of $0 by 8pm), I would not be charged with a fee.

TD Visa US steals from the dead. My husband passed away one month ago. Most of the companies whom I have dealt with have been very compassionate and understanding, reimbursing me for cancelled trips and transferring any credit card rewards points to our joint account in a timely fashion. EXCEPT FOR TD VISA. They have made this stressful time more painful by making me jump through unnecessary hoops, and my last call with their representative was to inform me that my points had been 'purged'. Completely immoral. For shame TD Visa U.S.

After being a customer for months I was unsure how much if any was supposed to be in my account so I didn't get charged service fees, so I asked the teller and she looked it up and said, "nothing." I withdrew more than I needed and the next statement I had a service fee which pissed me off. A few months later I asked a different teller and she said, "If you have a savings account you don't get service charges on your checking so I set one up."

I have a TD Bank account so it seemed logical to me that I could write a check to someone to be cashed there. Since I owed my daughter 20.00 I wrote her a check for this amount. She went to TD Bank to cash it and they gave her back 13.00 stating that there is a 7.00 fee since she didn't have an account there. I called customer service to verify this. I told them they ripped off me... their customer. I am furious. This is stealing. It does not make sense unless someone walks in off the street with a check from a completely different bank.

I want know how you can charge $15 in maintenance fees when my balance is not under the required $100. They claim one day it was. How can it be when the balance never was? There was no deposits to say one day it was the next it wasn't. This is a total ripoff and I'm going to the BBB too. I will be going to a credit union instead. Keep your convenience banking.

I've been with td for years and I keep saying I'm going to leave and foolishly I haven't. Recently they were the subject of a lawsuit due to the way they process transactions to maximize fees. Their solution was to revamp how they process charges. Rather than largest to smallest they now process by time of transaction. What they neglect to tell their customers is they no longer give you till the end of the day to bring your account current before charging you overdraft fees. They were so pissed that they could no longer manipulate transactions to maximize fees they made sure to craft the new rules to rake in even more fees. Who does this to their customers? Who robs customers?... TD Bank does...

Fort McMurray on fire and under evacuation order. Unable to assist in providing daughter with money for living expense. Money in my account but they can't help. 48 hours and upper management may call.

This is the second time I tried to call customer service for the same problem. Some ** named "Richard" who was not "fameerer" (familiar), as he says with our area, was completely unhelpful. My husband and I provided him with all our information and he was completely incompetent in helping us with online banking. However, when we go to the bank, they keep telling us to call customer service. Figure that. We are transferring our money to our other bank and cancelling our account completely. HORRIBLE, HORRIBLE service. If there was an option for "0 stars" that's what I would've picked.

I have spent the last forty five minutes waiting just to access my safety deposit box. How is it possible that there are only two people staffing customer service during this busy time. Highly unsatisfied.

So we recently moved from Canada to US and we had TD in Canada which is BTW amazing bank so we had the same expectations and also we knew we had to move funds to US in order to use them. Opening an account with them was disaster and we are stuck because they are giving us hard time using our own cash, our only mistake to open an account with them... As soon as we have all our money we are closing this account. Worst customer service. There is nothing convenient about you TD US so stop advertising it. Every single time I called they hung up on me. Not to mention where we live the closest branch is 2.5 hours away so you basically have to rely on online or phone banking. All I can say I wish I knew!!!

This is the worst bank I could ever sign up with. I wish someone had told me soon or that I had found this website before. I was charged twice overdraft fee of 105 dollars plus two 35 dollars. It had happened before when they kept taking money from my account. When you use your card there are transaction that stays pending on your account which never shows until a week later! I am not the only that has happened to. I have a deposit checked the next day which I had 255 dollars removed from my pay. I was not even negative in my account before until some late pending transaction just appeared. I am closing this account first thing Monday.

I've read several reviews here of people who have had the same problem as me with this terribly awful bank. I've deposited hundreds of dollars in checks into my account only to see that funds are processed all on the same day, no negative balance and am blindsided with $140 in overdraft fees. That's highway robbery! Then when I call to speak with a representative they act like they are doing you a favor by returning just one of those fees!! Are you kidding me? I should be so grateful that you are giving me back a fraction of the money you stole from me! I cannot believe this bank is still operational!

All I have to say this TD Bank lies too much and they always taking money from you for any stupid reason or excuse. They always right and you always wrong. I'm closing this account with them. I will not recommend this bank at all. 0 stars for this bank. They steal and lie too much. I had enough.

I applied for a position that I am qualified to do then I received a rejection email with no explanation. They should not even post jobs if they have no intention of hiring. I will boycott them for life. If you are white, male, non-hispanic it is legal to discriminate against you.

TD Bank is the most inconvenient bank. They are thieves who make their money off of stealing their customers money. I woke up to pending transactions happening in my checking account. I went to the bank to deposit money. The next day My deposit is shown 4/18 along with the 3 transactions from 4/18. There is absolutely no negatives in my account. They are now taking 105.00 dollars from me for overdraft. My account was never negative. They are robbing $105 from me. Their customer service Reps are the most ignorant people. No wonder why they have massive Class Action Law Suits against them. I do not know how they are allowed to keep doing this to people. I am sick of them stealing my hard earned money.

My brother passed away in March of this year and he had a car loan with TD. My husband called TD Bank a couple of days after he passed and asked what we had to do in order to satisfy the loan. We were told to fax a copy of the death certificate with all of our information to them which we did as soon as we received the death certificate. Weeks passed with no word from them. My husband called them at least half a dozen times asking about the payout information. Meanwhile the car loan was not being paid. I finally got a call from their "work out" department telling me I had to satisfy the loan by the 22nd of this month. The call came in after 4 PM on the 19th. They had weeks to tell me this and decided to wait until the last minute. At this point, I would rather the bank keep the car (let them have that headache). I will not be pushed to a wall when we have begged them for weeks to give us the information.

There are several reasons TD Bank has proven unsatisfactory. The most significant is when I was setting up for a wire transfer from a real estate sale, the agent was explicitly instructed to use my personal account as the receiving acct, but she still set up for the business acct to receive the transfer. Consequently the transfer was completed on Friday and bounced back on Monday because of differing acct names. I had called the bank several times and was simply told they had no record of receiving a transfer at all. The second item was when I made a drive up deposit the teller acted surprised that I requested the deposit receipt. I have just recently opened these accounts and will be cancelling both of them as soon as I can get my money out of them. Incompetence reigns!

TD Bank put a levy on an exempt child support account due to a credit card dispute. The judge ruled the funds to be released immediately on 4/14/16 and the funds are still being held 2 days later and now through the weekend. My other account with PNC released funds the same day and refunded the legal fee the bank charge which is half of what TD Bank charges. TD Bank has informed me that they do not refund the legal fees they charge and they have caused a transaction to go into overdraft because the account is still frozen. Next week I'm leaving TD and going to PNC. If the funds aren't released on Monday I will have no choice but to contact the courts and let them know that a court order means nothing to TD Bank.

Phoned the bank on 4/13/16 inquiring about doing an external transfer to another account of mine. The gentleman I spoke with explained to me that I would be able to send a portion of it immediately with the normal 3-day wait, thereafter I will be able to make two more transactions of $4,000 to complete my $10,000.00 for the month. That was a lie. When I attempted to make the next transaction it would not allow the transaction. I phoned the bank.

I recently switched to TD Bank, thinking they were more convenient however they are outright thieves. They charged my account 4 times for overdraft even though the money was present in my account and then say there is nothing they can do about it. Definitely closing my account as this has happened more than once.

I have used many TD Bank branches around Fort Lauderdale. I have NEVER gone in and been able to deposit a check quickly. I have waited for up to 45 MINUTES. They do NOT have enough tellers and no one working at the bank seems to be in a hurry. One day I was trying to deposit a check and after waiting 30 mins, I finally went outside and went to the drive through where I waited again, and no one was in line at the drive through besides me. So, I go to check my balance the next day and they have lost the check. Thank goodness I had my deposit slip. The bank needs to hire more customer help and train their staff.

I asked my 15-year old son to make a counter deposit today, April 2. He had with him $42 (2- $20 & 2 $1), but instructed him to use the penny arcade first and combine the total value of coins with the cash that he already have. We were expecting the coins to total to approximately $50+ as it was contained in a medium-sized ziplock bag. The teller who assisted him ("Naum" was on the name tag) gave him a deposit receipt with a stamped amount of $42.59. It was 20 minutes later that we noticed the mistake, that only 59 cents was credited out of the bag of coins. I asked him to come back to this 86th Street Brooklyn branch, and the apparent Asst. Manager Lynette told him point-blank that they could not do anything about it.

I've been using this horrible bank to receive my disability check from the VA and it has been a nightmare with this bank. First of all I went to the local branch to sign a form that I don't want overdraft and yet they still charge me more than $300. When I called and dispute they told me they can refund me back $70. Second I had my wallet stolen. Filed a police report with the officer's name and badge number. When I provided them with the info they told me that the transactions are consistent with my daily spending, so I asked them when was I in Miami if I leave in Ocala.

They have very unclear guidelines for their different accounts because you have to go searching to find them -- essentially they make them hidden in order to get fees from you or how they AUTOMATICALLY choose paper statement copies which are a dollar each and they send a monthly statement then whatever other statements they feel like doing at their leisure. ALSO, their customer service is extremely non-customer friendly and the people I have interacted with are very inexperienced so it can be frustrating. Stick to whatever bank you have.

Very unprofessional with customer service. The store close at 3:00 pm today Saturday and I got into the store to pick up my coin order at 2:58 pm and start talking to me in an unprofessional way. I will report this to TD Bank corp too.

I do not know where I begin in the nightmare that TD Bank is everything from the bank policies, the outdated web page and banking app to their customer service experience in branch operations and the customer service provided by the contact centers over the phone. I have banked with TD Bank for about 4-years and I final said enough is enough, I have used Chase, Bank of America, Citibank, and Wells Fargo, to mentioned a few and TD Bank is by far the worst. TD Bank charge you unfair overdraft fees of $35.00 each which is per transaction.

Consumer mortgages is the worst I've ever experienced. Melissa ** says all is good, they have all info and all is good to close. Days before closing all of a sudden she has lost everything and needs it all again. I produce it in minutes... She ignores it. Asks for other stuff on and on and on, then we hear nothing. No return calls, nothing. Less than 10 days to close and get nothing from TD. Our commercial lending department can get no info from residential, so we jump ship go to RP LENDING in FL and we close in less than 10 days. NO THANKS TO TD LIARS.

I have applied for secured credit card on May 2015 and got approved, received my card, used it for 8 months. Then I made a purchase, and then my credit card didn't work on next purchase. I called TD Card Services number, they required me to go to branch office for identity and address verification (that's even non-sense, why did you issued a credit card to me then???). Anyway, I went to the nearest TD bank office (which I had first applied for account and credit card) and gave my driver license + car registration card. They took copies of them and informed me that the credit card will be available for use in 2-3 days.

On the phone trying to get a rep to close my savings account. Waited 45+ mins and I finally got a rep. Told her I wanted to close my TD bank account and within 10 secs, I get disconnected. No call back but another 45 min wait on the phone.

I set up an IRA back in the early 80s. I moved from Massachusetts to Nevada where there are no TD Bank locations. My IRA was with a different bank that TD Bank acquired. I have attempted over the years to have my named changed. I received the paperwork and sent it back. My name was never changed. I attempted a few weeks ago to withdraw the small amount that was in the IRA. I called the number on my statement and was on hold for over 30 minutes. After ascertaining that there was not a bank location in my area, I requested a withdrawal form which I still have not received. I hesitate to be on hold for over 30 minutes one more time. So I looked online for an email contact. You cannot contact TD Bank unless you go through EasyWeb. My product is not listed so I could not set up an EasyWeb account. This is the first complaint I have ever written.

They are liars. They are very unprofessional. They tell you are approved then call you back two days later saying that you are not approved due to lack of paperwork that they lost. I will never bank with them again.

After TD Bank purchased Carolina First which I had been with since I was 12, and I am now 41 I started seeing fees all over the place. I got charged for $14 monthly "maintenance" fee, then even though I had an overdraft protection account, they charge $10 per use to use it. This is awful customer service. It is very evident they could care less about customer service by trying to find a way to nickel and dime you at any chance they get.

Teller and Manager refused to let me deposit cash into my parents' account. On occasion, usually twice per month I deposit cash into my father's TD Bank account. I always present my driver's license and a deposit slip with his name and address, which hadn't changed in over forty years. The teller said she could not do it. So I asked for a manager, Mimi, who said I also couldn't either. I mentioned that I do it all the time and that if they didn't deposit it, I will urge my parents to close the account. They are 3 hrs away from me and usually refuse money when I try give it to them. They are pretty poor and older and I cannot stand to have them not have enough money for gas or grocery. So I deposit money to help out.

As an individual with a very low income having some money saved is very hard. Every single penny I earn goes right out on bills. For the past few years I have experience the consequences of overdraft. I paid fees before but never to the extreme. I have been with TD Bank for less than a year and they had charged me around a $1000 dollars in overdraft fees and probably more. This is very frustrating for me on the worst economic situation of my life. TD Bank take advantage of the number of transactions a customer perform.

I opened an account with them. Had it set up where my hard earned cash was direct deposit. So one day I go to withdraw funds the teller advised me to call Debbie at a 1888 number. I called this woman for well over 2 months. No reply, still unable to make a withdraw. So I go and close my account. My job sent funds to the account after it was closed. Since Friday 02/12 TD bank has not returned the funds back to my job. No one has been able to assist me in a branch or over the phone. TD is a big joke to be a bank. Now I'm late on my bills.

This will be a long review. For those who are moving out of state and think you will be able to use TD out of state, DON'T!!! JUST MAKE THE MOVE TO ANOTHER BANK. My debit card split in half about 3 days after moving to KY. So, I need to order another card. I had already requested an address change the day before, so I figured it would not be an issue, I was wrong! It takes 3-5 business days to verify. VERIFY WHAT??? How does verifying an address take that long??? So I waited and waited. Called every day to hear that my address was still not verified. Finally after a week got it changed on Tuesday. Thought I would have my card Friday - NOPE. President's day was Monday gave it another day, Tuesday it didn't come, so waited till Wednesday to make sure - of course not. We get our mail at 3ish every day.

Without going through all the horrid details concerning my dealings with TD Bank, it is suffice to say "stay away". Especially grating is their claim of Legendary Service, their C/S is horrible starting with the fact that when I've called I have been put on hold for over 20 minutes, Every time! One C/S representative actually lied to me about the status of my credit card.

I have been a TD account member since the beginning of last summer. I was told that this bank was the most convenient. Come to find out since I have moved, my acct. was overdrawn. I had spoken to many customer service agents, and supervisors to resolve my dues. NO ONE HAS TOLD ME, OR ACKNOWLEDGED THE ALERT THAT MY ACCT WAS IN COLLECTIONS. Supervisors also informed me that I am limited to methods of payment. I am a military spouse, with limited options on payment options, and they STILL COULD NOT HELP ME AT A CONVENIENCE.

I've tried contacting someone outside of customer service because they are as rude as they come. I check my account on a daily basis, it's easy to go overboard when you have a debit card. I'm a single mother with 2 kids and I find myself in binds often. I pay all of my bills through bill pay and have been a customer for 4 years but there is NO customer loyalty. My account overdraws at least once a month, sometimes once every two months. I don't usually dispute it when I KNOW that I've done something wrong. But when I overdraw my account by $8 and get charged a $35 overdraft fee, that's called ABUSE!!!

TD, America's most convenient bank recently opened a branch in Naples, Florida. Unfortunately the branch is not equipped to deal with the volume of customers. I would recommend that they either expand the branch, get additional staff or open another branch in north Naples. The staff can not be blamed for the poor service but rather management should take responsibility and act promptly.

Last year I did not get the visa by mail. This month the email did not come in January. It came now in February saying the statement was ready. When I opened it and read it it just surreptitiously slid in 230 bucks interest. Called twice to complain. Lines always busy. Finally got through - was told, "We forgave you once. Now the best we can do is split the interest." No amount of talking led anywhere - their policy is to nail you - once more it was 100% unequivocally their fault - they do not send notices at all sometimes. Toxic, unfair, brutal institution.

This bank allows regular customer service representatives to handle fraudulent activity on debit cards. Which pretty much means they are not specialized in fraud or knowing of the recent fraud trends. Anyone who has access to your DOB, SSN, and address can verify your account and say the fraud activity is yours and then the bank charges you for it because the representative doesn't recognize it as fraud and assumes if they can verify the account it's the actual cardholder. I see this happen sooo much with TD Bank. This bank is a scam and a joke. Anyone who allows this unprofessional premature bank have access to their money is asking to be robbed of their hard earned pennies.

On behalf of my 16-year daughter going with school trip to Canada she needed 125 Canadian dollar. After trying to buy in 2 of its branches we were advised to buy from TD Collegeville which poses Canadian dollars. It was reserved through phone call made by TD gateway centre. When arrived in snow weather she was closed. So the next morning again after 20 miles driving I requested to buy 125 Canadian dollars. She was very unfriendly because I was "not customer" she said. She asked my ID card and when she feed in system it was rejected to sell Canadian dollar. She said it has to do with my identity. I checked my identity and my name started with Mohammad.

On 2/6 I overdrew my account assuming that I had a few bucks in my/this extra account that I opened recently and because I could not make it to Navy Federal where I do have a little something. Fast forward to this morning at approximately 4:57 a.m. and spoke with the first representative whom took offense. I'm assuming because I was speaking and dealing with her as if I was the representative i.e.. KNOWING MY ** and never became irate at any point, she pretty much thereafter gave the impression through tone as if she didn't want to correct nor deal with my concern so I asked for a supervisor. In doing so, the supervisor comes on line with such a I'M IN CHARGE AND WHAT I SAY WILL ALWAYS GO approach/tone and after I greeted her I began to explain my concern with such detail, I could tell that she was not used to someone so direct, professional, and as I mentioned knowing my **.

Riddle: When is 11 days only 5 days? Answer: When the TD bank is counting the days. I deposited a check into an ATM on January 23rd, 2016. On January 30, I talked to bank personnel to ask why the check was still being held. The rep told me, "Cheques are held for 5 days." I said, "It's been more than 7 days." She said, "No. The 23rd was a Saturday, which is not a 'business day,' so the check wasn't really deposited till the 25th, the Monday. On top of that, we don't consider it deposited until midnight on Monday!" (Aside: so the bank has had my check in its system for MORE than 3 days before they have 'received' it. You still with me?)

TD BANK charged me thousands in overdraft fees. Closed my accounts and reported me to ChexSystems for account abuse. Can't open a new account anywhere because of them. They ended up eating the fees from a class action settlement but never reported the accounts as paid or removed them from ChexSystems. I am currently disputing my ChexSystems report and filed a complaint against TD Bank with consumer financial protection. They robbed me blind and now are holding me financially hostage with ChexSystems. I should've stayed with Astoria Federal. They also refuse to do an account audit to pay me back all the overdraft fees I did pay them that was covered by settlement. They just zeroed out my negative balance and they never reported a thing to ChexSystems. They did however offer to open a new account with them lol. They must be smoking crack!

I check my online account everyday, my account reflected I had available funds hence why I use my debit card for transactions. The following 2 business days, my bank account reflected that all of the debits and the ATM withdrawal were posted to the account, but in reverse order from largest to smallest, and with a total of $175.00 in overdraft fees!

The estimated wait time was 2 to 6 minutes. It took me 10 to get a hold of someone. I don't understand how an attempt at a Google Wallet transaction can completely alter my expiration date in TD Bank's online system. How in the world did that happen?

I tried calling their 24/7 telephone customer service hotline just to get my account balance. The automated service was not available so I was put on hold to talk to a service representative. Unfortunately I had to wait over 45 minutes. I actually called three times because the message said wait time was six minutes, so I finally waited 45 minutes the third time. I was told I was locked out from automated service because a lack of activity for the last six months. This bank is so big and the service just gets worse. I have been with this bank from the beginning when they bought out Commerce Bank in southern New Jersey several years ago. If you do not do electronic banking, then you are screwed!

TD bank has always rearranged my transactions wrongly causing me overdraft... even after I opted out of the overdraft program! So if funds that they claim aren't there are insufficient, why is the transaction still allowed to go through? It's pretty fraudulent and I decided to close my account. I'm so sick of them.

After a time consuming my problem was resolved. Director of TD bank and her supervisor finally after two weeks gave back my money that was lost on the way of wire transaction and returned my a fee that I was charged for. It cost me a lot of stress and nerves the whole process but I got it back. At the end, they told me that an employee who did a transaction for me made a big mistake in the system. Well, I just have to be extra careful next time if there will be next time.

It is not "legendary" make customers wait for more than 10 minutes over the phone. So disappointing. I really miss The Commerce Bank True legendary customer service.

I was not able to use my debit card for more than 5 days, about $ 2000. I called them over the phone 3 times, more than 30 minutes each time. Each time they say I reported the card as lost or stolen but actually I didn't. Nobody wanted to tell me who called the bank, how he/she got my card number to report it nor how to protect myself against the same problem from happening again. They said I can't fix this issue over the phone, I've to check in at one of the branches, although I told them I've no time to do so and this is much hassle but no way. It was a bad experience & I decided to close the account & seek another bank.

I frequent at least four branches. The same happens in all the branches. They have one person behind the counter and three officers sitting at their desk doing nothing. They advertise the most convenient Bank. What they don't tell you is you have to wait in line for at least 10 minutes for your transaction. If you're unfortunate give you behind a customer that has a long transaction. When I called customer service to complain, the customer service representative said to me I am the first one that ever said this and they never get complaints. And she sarcastically told me to "have a nice day". Well you got one now.

I have been a loyal customer of TD Bank for almost 20 years now due to the convenience of the location of their branches. However, I have steadily become soured on them more and more the past few years. First, the main branch I use weekly NEVER has more than 2 or 3 tellers working at a time though there is desk space for many more than that so the line forms very quickly if the tellers are slow or handling big transactions and that causes it near impossible to get through the door due to line length.

TD Bank offers you a checking account. An advance checking and when you go in they don't explain to you. If you overdraft even $5.00 you will be charge 35.00 transaction fee. They can charge you up to 5 times per day. To my surprise yesterday I went in to the bank to deposit 300 only to find out I only have 50 in the account because they paid my T-Mobile account which was for 180.00 and because I was short in money they charge me overdraft.

If you do not mind holding 25-30 minutes for each question then you are okay. They do not hire enough people to answer phones. Every time I call I have the same problem.

I have been a customer of TD Bank since 1988. That is 28 years of loyalty, day to day banking of 2 very successful business and personal banking (highest deposit, $11 million dollars in one year). And ever since I moved to USA and naturally choosing TD, I have had nothing but disappointment and hassle. At first I thought it is because they are new in USA and deserve a chance but after 1.5 years I see they should not be in banking business. Judging their behavior, insurance business is most appropriate for TD so they can practice using word NO frequently even for a smallest and lousiest request. Arrogance, rudeness annoying fees is some of the issues. My advice: take your business elsewhere because with this attitude they don't stand a chance.

This bank is horrible! Not recommended to anyone. I have been banking with TD Bank for 10 years, but our relationship is coming to an end at this time. A couple of years ago I was member of a class action suit where TD had to pay back consumers for their unethical overdraft practices. As many have already posted, they reorder the transactions to ENSURE that you reach your overdraft limit. So they reorder from largest to smallest and then charge you $35 for each transaction over the limit, up to $175 PER DAY! I have called up in the past and had some overdrafts returned to me, and they noted rudely that they were "generous," and then blamed me for not being able to manage my account. They say things like, "those charges were pending," (even though I have rigorously checked my account multiple times in a day while shopping, and those charges appear to come out at the time, but they don't).

I went to TD bank for a home equity line of credit on a home I own outright. There is no mortgage! I have very good credit. No brainer, right? I got them over 19 documents immediately and then waited. Michael ** was the loan processor assigned to my case. I found that out only after going to a local branch because no one was getting back to me. Michael ** does not return phone calls. He even told me it was useless to speak to a supervisor and would not supply her name or contact info. Once I did find out who his supervisor was SHE DID NOT return calls.

Firstly, take my stupid advice. Td caters to people who already have money. They are not interested in young people who are starting off. Join a credit union, it way better. More personal, more relatable. I been banking with them for 12yrs. Open a business account about 4yrs now, we rarely get cheques. Most of our clients use our machine. On the rare occasion when we get cheques, they put on a 5 business day hold. Even with the cheque on hold, they will reject any direct schedule withdrawals causing cheques to bouncing and us incurring fees and they will even add their own fees on top of it.

Nightmare!!! I switched from a local bank to TD bank for the so-called "convenience". HAHAHA what a joke!!! I have a disability that limits my mobility. The reason I switched to TD bank was because I could use my mobile device to deposit checks of any amount. I was told by multiple TD reps that I could use my mobile phone to make deposits for any amount when I opened my accounts with them. I went to use the mobile app 2 weeks after the account was set up, and found out that I had to wait 3 months before I could actually use the mobile app feature.

I have had nothing but trouble with the TD Bank Credit Card. I used to have an account at TD Bank that was rarely used and if you do not use your debit card they put a hold on it. When I got the credit card, I had nothing but trouble from them not allowing charges because I was in a different state. Not to mention being locked out of my account online. Today took the cake. I was trying to buy Christmas presents online and the order would not go through. I called the bank and was told I had a hold placed on my account because they could not verify the source of my payment. I have been making payments on this account for over a year from the same source, now they say they could not confirm? I am done. I said I wanted to close the account, which they said they could not do until it was paid in full!!!

I have been a TD Bank customer for close to 10 years and their service is slowly declining, from constant ATM machine troubles to the lack of tellers on duty and long waits in line. Most recently they held a deposit for 4 days before releasing the funds which they have never done before and according to their own policy I should have been notified of the delay at the time of deposit which I was not. They call themselves America's most convenient bank... I hardly call that convenience. I am closing my accounts with them and going to my local credit union instead.

TD has updated the software to create a 'stupid' dumbed down version of using the ATM. Smart haha - we are now treated as idiots - I mean the volume is way too high for years now, but really they added a RED Moving arrow that constantly beeps at me to make a choice, Continue or Remove my card. WTF. It is horrible, I cannot even think! I've complained twice to get only platitudes. I want it removed.

It has been almost a year ago when I was shabbily treated and kicked out of the TD Canada Trust Bank, McKenzie Towne Calgary Alberta. Three quarters my fault, I have fibromyalgia not an excuse but I was set off easily that day. I always use the drive through instant teller and a number of times it takes your card and keeps it. If I leave my car will somebody get it and possibly use it, if I don't exit my vehicle I would have to sit there until someone complained.

Our story with TD Bank Mortgage had started in August 2015. We got pre-approval from TD Bank and signed the contract for purchase the condo on September 10, 2015. On that day I sent this contract to Loretta **, who is working in Tampa office of TD, and after that, within 3 weeks I tried just to get in touch with her (called, sent emails) - no answers. I went to local branch in Hallandale, FL and asked them to contact with her or her manager. Finally she called me and process started. They asked same documents over and over again. Because of that we had 3 extensions on the contract. After all of that, finally I got email from Lisa ** that we are clear to close on November 25, 2015. On November 30 they set up closing date December 4, 2015.

I have this bank for over 4 years and they started all fine. Then in a month I started to notice that they would reverse your payment that were taken already from your balance, but when you make another payment and you don't have sufficient funds, they would reverse at least 2 or 3 other payments that were already taken from your available balance and hit you with three to four overdraft. So I started going on my account every single day just to check when I did make any payment to see if the balance was touched. It was always touched. But minutes later they would make an overdraft. This was very odd when my account was just good three minutes ago. This bank is copying B.O.A antics. They're going to lose customers like water because the bigger they get greedy.

Came in to bank after fraud department alerted fraudulent use. Svc rep (Denise) in outer area on cell phone personal call and looked at me, turned her back and resumed call. Area is small and could hear it was not business call. Sharon came out ten mins later & was helpful. However when I tried to use card for cyber shopping received message "security code does not match card". Called local branch and got Denise who said I would have to come in. Went in next day (today). Went to Sharon's desk. Denise came over to offer apology for having been kept waiting & having to come in again. I told her she was the one who had been on the phone and ignored me. She lied to my face and said she had checked and she was on PTO that day.

This is the most terrible bank ever. They stole money from me over and over again. I tried to close my savings account but they forced it back open every time and then would fine me for not having enough money in my checkings account. They also made it difficult to get a refund even though they were clearly wrong.

Three words: WORST BANK EVER. Don't be dazzled by their instant debit cards that have your name on them right when you sign up. In fact, those card numbers wear away about a month after using it. That's not even a problem that's remotely close to the reason that I am angry. One, TD Bank's overdraft fee is absolutely crazy. 35$ if you don't pay back in 24 hours. I didn't even sign up for the Debit card advance program, I was tricked into it. I specifically said I did not want to sign up for it.

What a joke this bank is. They just stole $175 from me in overdraft. When I checked last night my balance was $26 as it was this morning as well. When I checked my account this afternoon all of the sudden I was -$153. I called them up just to be informed that some pending transactions hit last night and they will charge me five times the overdraft fee of $35. How is that possible going from this morning's balance of $26 to -$153. Oh and the best part is, there is nothing that they can do about it!!! Horrible bank. Avoid it at all cause. They literally will steal your money!!!

Went shopping to Sephora for their yearly 20% off sale. I was using 2 different cards as payment. One was unfortunately my TD debit card. When I swiped my first card (TD) I realized I didn't have enough for the items on my other card. Therefore this transaction was voided. Then I took out a item and tried again this time the card didn't go through. I called TD and told them that the transaction was voided. They reversed the money btw $85 so I could use the card again. They also read some bs disclaimer that the store can come back and claim both charges. Anyway the store assured me the transaction was voided therefore I proceeded. This was a Friday come Tuesday both transactions were taken out of my bank and I was charged 105 in overdraft fees... Why? Well remember that bs disclaimer? Also they changed all my transactions from highest to lowest so that I would acquire more overdraft fees.

I was recently victimized by TD Bank illegal practices on two separate occasions, costing me hundreds of unnecessary dollars. First, let me summarize the method that your bank uses and has already been successfully sued for (more about that below) and ordered to cease and desist. TD Bank intentionally posts larger authorizations first, in order to more quickly make their customers reach their overdraft limit. This allows you to then charge MULTIPLE overdraft fees, instead of just one (or no) overdraft fee. In many cases, if smaller authorizations were posted first, the overdraft limit wouldn't ever be reach and, if it was reached, it wouldn't be reached until the biggest authorization was posted.

I have had a TD Bank credit card for a couple months now, and I have experienced nothing but issues. First, it takes an unbelievably long time for their transactions to be confirmed. It is not uncommon for a transaction to linger in my account as "pending" for 5-6 days. I've never seen this before. Normally, this wouldn't be a problem except for the fact that their card often is often denied and then the denial shows in your "pending for days".

Unlike any other credit card company I deal with, deposits take longer than 24-48 hours. They take up to a week. What makes this weird is that the left hand, the bank, does not know what the right hand, the credit card company is doing. They are both the same company. It may take up to eleven business days before a deposit clears because they have to "verify" it even though it is coming from their own company. They always give me this double talk of the need to "verify." I have finally learned my lesson to pay down my debt and no longer use their credit card.

You will be charged a lot of overdraft fees and pending charges. If you have a paycheck as a new bank customer, your paycheck takes up to 3-5 business days until it can be processed. I've never had a bank that greedy and sneaky like TD bank. Warning do use TD bank as your bank.

I am very dissatisfied with TD bank. Me and my son both have had horrible experiences. You deposit a check then they try to hold it over 7 days. When you go to the teller to check your account for the available balance, it gives you 2 lines that both say available balance after you deposit a check, so when you start using your debit card based on what the available balance is, then you have overdraft fees. When I call TD bank, they then inform me that the check won't be posted for 7 days! Now I have all these overdraft fees.

OK so I dealt with telephone banking with TD. Absolutely horrible. I had supervisors hang up on me. I had one agent tell me one thing and another agent tell me another thing. In all regards what I realized between the bank and telephone banking how disorganized they are. Furthermore in two weeks I have lost over 96.00. Also the screaming and yelling this company team members have done.

I have been a customer of TD Bank for over 10 years. 2 checks that I gave my employee were deposited with mobile deposit and later on, also deposited in a bank. TD Bank never stopped the duplicate deposits. When I complained about the two duplicates deposits, the bank manager told me that it is my responsibility to sue the employee that I gave the check to. At a time when mobile deposit is so prevalent, I can not comprehend how a bank like TD Bank does not have a way of stopping a check from being deposited twice. I expect from a bank to protect me from things like that. How can I trust TD Bank with my money? They do not protect me from fraudulent activity. I can never trust TD Bank with my money.

TD Bank gift card - In one sentence, it's not a TD Bank gift card, it's TD Bank Punishment card. You are stuck up with the balance which can be used without the card getting denied at few places. I have a 100 dollar gift card and after almost 5 months couldn't use a single dime of it (one amazon transaction denied, "so many" train ticket purchases denied). Just got frustrated and if you don't use the card some minimum number of times it will charge you a fee. My recommendation is if you want to give a gift card, please don't give a TD Bank gift card, otherwise the receiving party will hate your gift. I don't have more time to put all frustration into words.

I have a long list of complaints for TDBank, having had a mortgage, checking account, and savings account with them. They are dishonest, even corrupt, in short. But today, I will complain about their gift cards as this is my current problem. I've called four times now, trying to register this gift card for online purchases. I've been disconnected..on THEIR end, four times now, rendering this card useless. I have put $300 into this card and this money is unusable. TDBank... America's most inconvenient Bank!

I have been a TD Bank customer ever since they purchased Commerce Bank. On August 17, 2015 I went into my local TD branch and started application for a HELOC. My paperwork was complete and back to the same office by 5 p.m. When I didn't hear anything for two weeks I started calling my local branch. I was told that my application was in the hands of an assigned processor. Two weeks later when I still hadn't heard anything I was told that the assigned processor went on vacation and that my application had not been touched. Two more weeks passed and the application was still not processed. At eight weeks the story became they needed my business balance sheet, even though they weren't using my income to qualify the loan. Two more weeks passed and they needed flood insurance documents which even though I faxed them immediately weren't "approved" for another two weeks.

I recently went to Europe for vacation and rented a car thru Europcar five months in advanced, nothing special a VW Passat. Upon arriving at the airport in Berlin the woman from Europcar informed me that they didn't have a VW Passat available for me. Wow five months in advance. So now she say's you can have a BMW or a Kia for the same price. So I said I will take the Kia because 2 adults and 4 suitcases won't work in a BMW. Now she tells me I have to purchase their auto insurance and I told her no because I have it thru a third party. She tells me that it doesn't state on my rental agreement that I have insurance from a third party and if I don't purchase their insurance I can't take the car. After haggling with her it was agreed that if I take their insurance and can prove I have third party coverage they will cancel their insurance.

I have been a long time account holder at the same bank. This bank was at one point the best bank, but now it is just like every other mediocre bank. They charged me overdraft fees for the past few months on things that did not overdraw the account and refuse to refund the money. They are constantly screwing up. This has been an issue a few times in the past as well. They insist that they are right and keep charging fees for nothing. I was in the bank waiting to order a new debit card and the person sitting next to has the same issue. I feel better knowing it is not just me they screw over.

I've been a customer of TD bank for about 2 years. Lately I had an experience with the Mortgage, Home equity loan, Home equity line department. I found the bank employees confused, inexperienced, and totally incompetent. I will be stunned to hear that those people in the bank graduated high school or got a college/University Degree. I found Bank Employees asked repeatedly same questions again and again, not answering phone calls, work extremely slow, and completely lack of knowledge in the fields they are working The Us Real Estate and finance. I recommend to any customer looking for a mortgage, home equity loan, home equity line run away from this bank unless you have lots of patience and willing to work with very unprofessional and incompetent people.

As POA for mom's bank acct, had problems w/ identity. Took many efforts and frustrations to finally correct. Cannot found card: "maximum # of reloads reached". Bank told me no limits no fees. on hold 48 min...

You have to open an account and deposit then give you the link to select your free phone. After that you can't still get it 'cause you have to be approved from the network provider. False advertisement, service ain't good at all too...

I normally do not do this, but I am completely frustrated with TD Bank! I had made a cash deposit at their ATM on a Tuesday afternoon. Something happened with their machine, and my printed receipt said that it was a "forced deposit." When my husband noticed that my deposit had not been put into our account, we began calling and going into the bank itself. It has now been nine days and our immediate cash deposit from last Monday is still not in our account! We have gotten one excuse after another, including the ATM being a third party machine, to the "wrong email" was used by the employees for the investigation into our lost deposit!

I did a mortgage with TD last year and it was painful, but not terrible - we closed on time. This year, my sister found an investment property and we moved forward with the mortgage again with TD even though our experience was sub-par. This time around it was an even bigger disaster. The store supervisor at TD Bank (#5468) submitted our application incorrectly as a primary residence instead of an investment property so 3 days before closing, they said they couldn't give us a loan because the money my sister's husband transferred her is a "presumed gift". We asked for a denial letter and the denial letter they sent had a counteroffer, but there was NO counteroffer on the table.

We received a request for review of our HELOC and have a type of loan that is no longer offered but still no reason for TD to send an adverse letter. Not only that, I had actually paid off this HELOC about a year ago and was offered continued use of it. After sending numerous documents with our personal identifying information including employment and other financial data via email and regular mail, we received standard form letter indicating that we never responded to the request for documents and now can't draw on our HELOC any longer. I sent a couple of emails with info to designated rep and he responded with what other info he needed. The final email I went to send to designated rep kicked back and I learned he was no longer there when I called his #. Voicemail said "I'm no longer with TD please go to your local branch." I tried his number again recently, and it picks up as though he's there but email doesn't work. This is ridiculous.

They make mistakes all of the time, 3 this month alone. (1) Transferred $5000 twice into another customer's account. (2) My bus credit card was compromised and it took 2 weeks to get a new one. (3) Added another person to my account months ago got a phone call today telling me that it never was finalized. The employee that make the account change quit and she found unfinished paperwork in their desk! They need to change their tag line "MOST CONVIENTE BANK" for sure! Don't bank at TD!!

I've had a number of negative experiences with TD Bank, but I will be officially closing my account with them this week and moving to a more competent bank that is better setup to serve small businesses. TD Bank has a very underwhelming online banking system and it's difficult to manage business transactions solely online. I've had to go into their locations multiple times just to send a wire transfer. Speaking of wire transfers, the first time I was ever able to complete one online, it got immediately re-directed back into my account and I've just spent the last 35 minutes on hold with customer service and have been hung up on twice.

TD Banks has the worst customer service. I called and spoke with a representative to ask about my CD account. After I gave them information to verify myself, they told me they could not share any information on the phone. After a couple of questions asked, they gave me false information on my account. I asked to speak to a manager, Tony, who told me he could not help me. He then told me to go to a branch location, but I live in a state now where there are no TD bank branches in or around the state of Arkansas. Now I can't get access or information on my account unless I fly across the country. Don't waste your time doing business with this bank. I would not do any business with a bank that lies and tell me false information.

for a loan at TD. I will be writing a letter to the VP retail lending.

I can't stand TD Bank anymore. They keep charging me overdraft fees for no reason. I'm tired of their fraud. They wanna just take everyone's money, plus the service is the worst. They don't make your day better. DO NOT RECOMMEND if you wanna keep your money.

I'm pretty sure TD Bank spends a significant amount of money advertising their Penny Arcade. We generate change at a slightly higher rate because of the business we're in so I decided to open a second account at TD so I can use their machine cost free and I've been using the TD Bank in the Grant Plaza in Philadelphia for years to cash my change in. One day I go in and the bank manager tells me I can't use the machines there anymore since he suspects I own a business. Not only does he berate me in front of the entire bank instead of pulling me to the side he also wouldn't stop badgering me asking me where all the change was coming from and the machines were breaking down because of me! I chuckled. I told him the truth and if that's the rules then that's their rules and I'll abide by it. I shook his hand and left.