TD Bank Reviews

Avoid at all costs. Our experience was so negative we can only laugh about it. TD revised (upwards) a supposedly "locked rate", demanded we escrow the first year insurance premium with them and failed to pay it, then paid it from escrow, then claimed the funds were not actually in the escrow account. The bank has also decided, almost 4 months post-closing, that they want an additional $2,000 escrowed to pay property taxes, even though there has been no change in the assessment. TD also hit us with a demand for a bunch of documents from third parties two days before the close. It is difficult, after this experience, to believe that TD Bank is competent to write mortgages. I will seek to refinance as soon as possible, and I suggest that those seeking a mortgage consider other, more competent, lenders.

Spoke with Customer Service on 9/27/15 to confirm account status. I wasn't using the account so monthly service fees were building up. I was told the account was open and active, so I switched direct deposit to go into the account. Mid-week I received an email confirming my request to close the account. I called CS because I did not make the account closure request. I was told the account was pending closure due to non-use. I explained that I'd spoken to someone over the weekend and we updated my direct deposit to go into the account. I was then advised to go into the branch to withdraw the funds from my account because the debit card had been closed.

I have been banking with TD Bank for over 18 years now and have had multiple business accounts, personal checking accounts, credit cards and credit lines with them. They have recently been asking absurd and prying questions every time I cash a cheque. Some have informed me that this is now their government mandate due to terrorist activities in North America, etc. OK, I get that.

I tried to close my acct due to non-use, and because I couldn't verify the "last 2 transactions" they said now I had to go into a "store" to do it. Hellllloooo... there were NO transactions on this acct since last March - how was I supposed to verify something that wasn't there? And last I checked, WalMart and Target are "stores" - what happened to "branches"? So now, at "America's Most Convenient Bank", I have to be INconvenienced and take the time to go in person what any other bank would gladly and helpfully do over the phone. I don't know why anyone banks at this Godforsaken place - they are the WORST! PS There is $31 in the account - not $31,000... Unbelievable... Idiots that can't think outside the box.

Looking over my credit report I found where I had supposedly made 2 late payments to TD Auto in 2009. I called because I had never heard of this company and didn't know who they were. I did have a car financed through Chrysler in 2009 but paid it off in 2010. I learned TD Auto Finance bought out Chrysler in 2011. I admit I did have 2 late payments in 2006 when my husband passed way and I had to close my bank account and forced to open one in my name only. That stopped the automatic drafts payments to Chrysler and it took me 2 months to find a phone number for Chrysler to restart the drafts on my auto payments. I called the dealership where I purchased and financed my car and even they couldn't tell me how to contact Chrysler or provide me with an address.

I wrote a check out on the same day I made a deposit. The funds for the deposit were available the very next day, the check I wrote also posted to my account the very next day. TD Bank posted my debit transaction first and then my credit transaction which resulted in a $35.00 overdraft fee! I complained to the bank teller who understood exactly what I was talking about. She stated that this was a common practice by her employer and that it was completely unethical.

I went with my son to deposit a check that was made out to me as his custodian from an old account at PNC that I had closed. I was first told by "Amy" the teller that although we were both present and could show ID, that they would not accept the check unless it was deposited into another custodial account. I asked for the manager "Deb" who sat us down at her desk and also said they would not accept the check.

I received a settlement check from an accident that made me disabled so therefore I am unable to work and perform my basic day to day needs, which includes making a trip to TD bank every time I have an issue. My medical bills are piling up therefore I reached out to the Global Security department to find out a projected date of the hold on my check. This way I don't have creditors breathing down my neck and I would have a projected time in which I can let them know when to expect payment.

I am a realtor, and my buyer selected TD bank as her mortgage lender. I advised her against this, as they did not have a local presence, but their interest rate was appealing, so I sent the Sales and Purchase contract to TD as requested. The loan officer, Melissa **, was very resistant to talking to me about the progress of the loan. Would not give me any information, but assured me the transaction would close on time. I even called her supervisor, Renee **. Both assured me for the 40 days that the loan was in process, that all was going well.

This bank will find any way to charge you money. In just a mere 7 months I've been 'over drafted' hundreds of dollars. If you're not confident enough to contact them and call them out, they won't give your money back. If you know they did something and charge you, you NEED to talk to them or they'll charge you. After a certain point, they won't lift fees, even if it was a mistake on their behalf. I requested (in person) for my card to be denied if I had insufficient funds. I was told it will take 24 hours to go into effect.

I have have had a checking account with a few banks for many years and have always been in good standing. Recently I've switch to TD bank and it is nothing short of a nightmare. I have great credit, pay my bills on time and don't have any issues of bounced checks until I joined TD bank. Their "pending status" does not list all transaction pending and I soon found out how bad the online balancing of check was. This month I have 5 overdraft fees. Their set up is actually what it is to consumers. "A set Up" to gain funds. This is how they stay in business.

I just returned from a trip to Atlanta. I tried to use my TD Credit Card for a Car rental and at a local Applebees. At both places my TD CC was declined. When I contacted the Bank, I was told that I was out of my area and they would not authorize my charges for my safety. I was told that I need to inform the Bank when I travel. Funny I never had to tell American Express or my Bank of America CC people that I was traveling.

Horrible, horrible. I'm a new customer and I just can't understand how I was receiving overdraft fee after overdraft fee when all I do is deposit cash or checks into my account! Used my card two times since I opened the account and I've been hit with 4 overdrawn fees already. Horrible bank, will not recommend to anyone!!!

In early August I spoke with a customer service representative at the bank near Grand Central to make sure that I was un-enrolled in TD Advance. The Representative assured me that he removed the service from my account, and that I would not be able to overdraft my account. However, the service was not removed and I was charged $595 dollars in 9 days in overdraft fees under the TD Advance program, despite requesting to be removed from the program. The fees snowballed, one after the other, and the only reason for the insufficient funds were the overdraft fees. In essence, the customer Service Rep failed to remove the service on my account as I requested, and I lost $595 dollars in a mere 9 days. Don't bother with this bank.

Recently I went into a branch with a retirement fund check I had. I had several outstanding accounts from the bank that I had to pay before I could open another one. I did so with this check and then they opened the new one for me. Something came up in the system and the CSR was prompted to call a number in which he did. They told him that I was no longer allowed to be a customer of their bank because of a check from back in 2014. I have no idea what they were talking about because I can't get an answer from anyone.

I began the initial application, was preapproved and was assigned a processor who NEVER returned my 6 phone calls. I had questions re: $15,000 closing costs as well as a transfer tax that in actuality was not applicable, no return call. Horrible customer service. I cancelled the loan app and went with a local credit union. 1/3 the closing cost and EXCELLENT customer service. I would never do business with this bank again. Worst bank in all my years of banking.

I received a $2,500 personal check from a guy we'll call Joe for tutoring services. I cashed it on Tuesday. I figured it would take a week to clear but I noticed they credited (added) $2,500 to my checking account on Thursday. I was psyched. I then made a wire transfer back to Joe for $1,800, leaving me the remaining $700 as my fee for services. He convinced me of this legit-sounding situation where he's been having marital problems and needed cash in his account, blah blah blah. I was skeptical but needed the money so I figured if his check cleared, then I'll send him money via my preferred method for security. Well, I wired the money, $1,800. A few days later TD Bank took back the $2,500 from my account. But it cleared! I called and went to local branch and they said the check was bogus so they took the money back. Wait a minute!! That was MY money. If Joe is using bogus checks then go after him not me. YOU credited my account. It cleared!

Sometime ago I hired labor from Complete Labor out of Manchester NH. I gave them my credit card info but told them I was going to pay cash. I paid the men cash and they kept the cash and told their employer that I just signed the receipt. A week later Complete Labor wacked my credit card. TD Bank took my money when I did not even have enough in my account. Attempts were made, so TD Bank says, to investigate and to no avail on my account. TD Bank says that Complete Labor has proof and documentation that I did not pay cash which they never showed to me because I believe their investigators did really nothing. TD Bank is now trying to get overdraft fees from me. I am disgusted with TD Bank and Complete Labor for not investigating properly. I trusted those two kids that I hired only to find out they were little liars and crack heads. And TD Bank should be ashamed of themselves.

I have been making more than minimum payments to TD for my cc for about a year. My card was up for renewal and they cancelled me cause of other criteria. I have been with this bank for nearly 30 years. Been wanting out for a while due to all the great offers I get from other banks. Now I have my solid reason. PC banking is FREE!

I recently opened a TD checking account and learned very quickly that it's time to close said account. I was charged 4 overdraft fees. I called and was left with the same amount of confusion.

I always feel bad for TD's employees, it's not their fault that I'm mad. I've been a member with TD for the past 3 years. And every time I go in I find more reasons to switch banks. 1. It is not America's most convenient bank. They've never even heard of it out west, in upstate NY they're not open in Sundays and don't have coin machines. Which is strange. Considering it's a Canadian bank and it's minutes from Canada. 2. SO MANY FEES. 35$ overdraft fees. And then and other $35 returned payment fee. And then TD Bank Bill pay keeps pulling the payment and you get charged those same 2 payments 5 times. How long it takes to process deposits. But everything else seems to come out just fine. I've paid over $2k in fees this year alone. 3. $5 for a money order? Most banks if you're a member they're free. Even at Walmart or the post office they're around $1.

We set up auto pay, called to make sure it was set up. Day before the next payment, they said yes, but could not promise it works. If they messed up it was my fault. I tried to reach their corporate office, but when I called they referred me back to same number that told me they were not responsible for their errors. I made an extra payment to be sure. Never with this company again.

We have a yearly income of over $200000.00. We have assets of $750000.00. We wanted to get a HELCO of $100000. To pay off all my CC. My home was appraised at $587000. A month earlier it was Appraised for $600000. They tried to get a lower appraiser but couldn't get it. So they turned us down with a letter saying it wasn't our good credit, but other things that they would not tell us why. I think it was our age. I can't think of any other reason.

I cannot believe this bank can operate and stay in business operating the way they do! No communication, no return calls or emails no matter how many times you contact them. The borrower is expected to hit every date (which I did) and the lender is held to no dates or standards. They threatened to back out of the contract multiple times and it was their fault dates were not being met! Now they have made a mistake in closing costs on the GFE in the amount of $1,560 and will not take care of it! Transfer taxes are clearly listed as not able to change on the HUD 1 form and they doubled them! DO NOT DO BUSINESS WITH THIS LENDER! YOU WILL LOSE YOUR MIND TRYING TO WORK WITH THESE PEOPLE!

TD Bank advertises 24 hr. banking online, as well as immediate transfers from one account to another. They also go off-line at midnight for 3 hours to update customer's accounts. Just prior to midnight I check my available balance, but at 3:15am I see I'm negative so I make an immediate transfer from my joint checking account to my personal checking account. At 9:00am, I recheck my account and see I was hit with 3 overdraft fees totaling 105.00. The amounts of the checks were 10.00, 10.00, and 13.00. I call the bank and contest the hit stating I made a transfer deposit of 100.00 and I'm told the immediate transfer actually gets posted as "pending" when placed when the bank is closed. It's posted the following morning when the bank opens. Transfer type: Immediate transfer is a fraud and falsely advertised.

I need my money back. Some lunatic bought massive amounts of McDonald's, car washes and gasoline on my dime. I needed that money back 5 days ago for rent and now you're still telling me it's been denied after three weeks and after going to the precinct and presenting the counter with police incident reports. This is grand larceny. Either arrest someone and give me back my money or just plain give me back my money. Jesus!

On Sunday I deposited a TD check in their ATM at my main bank but they held on to the check for 2 days and charged my account $175.00 in fees. The money was there. I went to the bank and the mgr could not tell me what the fees were for because the fees were pending. But call tomorrow and he will tell me. Really? So he doesn't have to tell me to my face that you just stole $175.00 from me. I am now looking for a new back. TD Bank is the worst!!!

I have been a member for over 20 years including when it was Commerce Bank. Since it has been TD bank I have had many bad experiences but this is the worst. On November 1, 2014 at 6:30 pm I walked in and I waited to see a customer representative to see about closing my account due to a maintenance fee. Stephanie greeted me and asked if she could help me. While talking I had asked her some questions about a student account to see if I could get free checking. When she asked me my age she informed me that I did not qualify, as you had to be younger.

This bank is terrible. It went from being great customer service to none at all. Worst of all they do not care about the clients.

Yes, so about three to four weeks ago made an online purchase for $4.97 cents. A few days I had a voice mail stating I had a hold on my account. Apparently two transactions went through before I had a chance to clear. Over $70.00 in fees. Then I go into bank to straighten out - closed savings, put money in checking, made two more deposits after talking to another teller and said about another $70.00 overdraft fee. In a matter of month four overdraft fees and a ten dollar fee for transferring from savings to checking using app. I went in, talked to someone today third time after being there on Wednesday, to be told will be taking care of. After I stayed calmed and said "what idiots are running this place", he told me to leave or he'll call the cops cause I was rude.

I had several papers notarized at my local TD Bank branch a few weeks ago. No problems. They were glad to do it and there was no charge. I was very pleased. Yesterday, I had to get one more signature notarized for the same type of document. I called the branch to make sure the notary was going to be there. They said she would. They asked me what type of document I was going to get notarized. I told them. They said it was OK and to come on in. [BTW, I know that banks will not notarize wills. This was not a will.] When I arrived at the bank, the teller told me they could not notarize the document and I would have to speak to the manager. I went to see the manager and realized that she was the one who had notarized signatures for the same type of document just a few weeks ago!

Have had the same problem with excessive OD's because they change the order of transactions to steal more money - you should all join in the Class Action lawsuit against them for this very reason: **

After my direct deposit of about $800.00 posted, I used my debit card to purchase groceries amounting to about $75.00. When I went to make another purchase, my card was declined. Thinking I still had about $725.00 in the bank, I went to the local branch and had the CSR print my history. I saw that there were 3 charges posted to my account that I didn't recognize. Upon further examination by a bank manager, I discovered that my account had been compromised and I filed a dispute.

I'm 15 years RBC bank customer and never had problems with them, but my wife is with TD bank. Anyway she put me on her TD account and I got TD bank access card. Like after few months I went to the bank to add my TD auto loan on my our account. Here I came to the counter the guy asked me, "Do you have your TD auto finance contract number??" I said, "Here it's." Then he try to set up an online system for me but he couldn't. So at this he send me to another guy, and this guy tried but he couldn't too and he said, "I would like to call TD auto finance and check with them but they are closed." Which means "We can't help you at all." I came out of the bank, I called TD auto finance and guess what, they weren't closed.

Last month I deposited $1,000.00 and went home. I am used to check my bank account and there was no deposit. Immediately I went back to the bank and listened to some excuses. It took until next day until the cash was in my account and available. Two days ago I used their ATM to withdraw $480. The money came out of my bank account, but the machine did no dispense any funds nor a receipt. For two days I try to get a written response from TD Bank, but nothing. I am supposed to file a complaint with a Panamanian Bank even though I used TD Bank in Fort Lauderdale. I would like to advise everybody do not trust them and control every account movement!

I put 28.000 dollars in my account in March and I work a good job so that money was in my saving. But today they told me I have 2,200.03 and I called my attorney and I have my receipts and all statements from the bank. So I'm giving it to my attorney for a full review with his accountant.

I had my taxes screwed up by H&R blockheads. So fed levied, state levied, and lost job so child support levied my account. TDBANK CHARGES 125 EACH TIME TO PROCESS A LEVY! THAT'S 375 Dollars AND NOW ALL OTHER BILLS NAIL ME THANKS TO 375!!!

This morning I checked my online banking. I noticed that my checking account was in a significant negative balance. I immediately transferred the money from my savings to the checking and then went through my statement. I wanted to see if I made a mistake and miscalculated the money in my account. I saw a pending charge for $175 that was dated today. I did not recognize the fee so I called TD Bank Customer Service.

Do not, Do not go to this bank! They will charge you so many scandalous overdraft fees. My disable brother has an account with TD so he only gets so much to live on and TD bank could care less for disable people! They charged him 2 overdraft fees totaling $70 and I had called to argue the fact to refund it and they were very adamant and penurious. They only gave one overdraft fee back. Then the very next day they charged him another $70 overdraft fee!! So I called again and their excuse was that he didn't deposit before 8pm. Although I clearly explain that there was enough funds and that my brother is disable and he only gets a minimum amount of money, they could care less and did nothing to help and to add that he also pays to have this account when other banks are free for having direct deposit. This bank really deserves a big fat 0!!! I will make sure he will be closing his account with TD Bank ASAP!

A wire transfer was issued from Samba Financial Group (KSA) to TD Bank (US). The wire transfer originated in Saudi Arabian Riyals @ 51,510.86 with an exchange rate as indicated on the wire transfer of 0.2663116, with a final amount of $13,717.94 USD. What arrived at TD Bank was $12,863.76. A difference of 854.84. TD Bank wire transfer refuses to provide how or why there is a difference between what left KSA and what arrived in USA. TD Bank wire transfer department refuses to talk to me. There were 2 separate wire transfers. One from SAPL to TD Bank, and another from TD Bank Canada to TD Bank USA. This I know for a fact because I was charged 2 separate wire transfer fees, one for 15.00 and one for 40.00. As well as the name on the original outgoing transfer differs from the name on the incoming wire transfer.

I had TD for almost 4 years. No big problems. But last week it checked my account and someone used my money. I check it mostly daily, a habit. I called them ASAP. They put a complaint. They said "it takes 10 days or more." I said "why so long?", if I'm saying someone took my money. Still waiting. But I really don't have major issues with them. They just work very slow and not only that I don't know what the real issue is but I just think TD needs a whole new team and they would be ok. Not the bank have nice banks and ok to cool customer service but it's the higher need to be changes, but it's ok I guess. Oh forget someone stole my money once before and did not get it back. Just hope all is ok this time or I'm out. That's the only negative, the higher isn't working too well.

Applied for a refinance w/ TD back in May. Repeated requests to resend documents that were already sent, beyond frustrating. My email and phone requests to receives simple answers to questions not returned. They have sat on important information for over a week causing an unnecessary delay in receiving a closing date. Their idea of banking human is to ignore email and phone calls from us to receive answers to questions such as "did you receive the paperwork to clear the outstanding conditions?" Or "when can we expect to close because the cash out is for a tuition bill due very soon?" They just do not care! Since our mortgages are with TD I thought this would be easier than finding another bank, wrong. I would have closed on the loan and sent a check to my child's College by now if I had used a local bank. Still waiting to close!

If you value your money, stay away from TD Bank. I went to the branch location in Westbury to discuss the numerous fees my account had been accessed. The manager I spoke to, Frank **, told said he could not explain why I was charged the overdraft fees. He was extremely rude and responded as if I was disturbing him (he was talking on his cell phone when I approached his desk). Because of his rudeness and lack of concern I left the premises and phoned customer service at 1-888-751-9000. The representative gave me an explanation and reduced a portion of the fees inasmuch as she agreed that they were excessive $230. She reduced them to 140.00. I still was not in agreement, but it appeared that she was attempting to correct the situation. She also indicated that she would make a notation in the account to explain what she was doing and why. However, when I made a deposit to the account all of my deposit was applied to the fees.

Do not put your cash through the atm as a cash deposit. I put 60 dollars in and it only registered as putting in 20. TD is an all around crappy bank. Go elsewhere to one of the more known banks and saved yourself some trouble.

TD BANK STEALS YOUR MONEY!!! I had made an account with them because of their business hours on Sunday and thinking it was a good idea - I was clearly mistaken. They charge you 35 dollars for everything. I had gotten overdrafted so much I went in the branch and asked them to decline anything that comes out of my account so hoping it would prevent me from having to pay more overdraft fees, well no it doesn't.

I knew I was going to end up overdrafting my account with 1 transaction but I had to pay a bill and my deposit was taking forever to go through so I had no choice. Well, instead of charging me 1 overdraft fee, they charged me THREE!! One fee is part of the reason why my account went over as much as it did to begin with. They charged me an overdraft fee, posted the 2 transactions, then posted 2 more overdraft fees. Then they said "too bad" when I called to get it corrected. Instead of paying $35 I have to pay $105. I'm so angry!! It's no wonder they have so many lawsuits against them!!!

I started a checking account with TD because of the hours. Since I work long shifts, it helps to go to the bank at 7pm. Anyways, I traveled to Virginia a month ago. The town I went to had NO TD branches whatsoever. The nearest one was 178 miles away. I needed to make a deposit before I was overdrawn, so I had no choice but to drive 178 miles, just to go to a bank. There was every other bank you can imagine in this town, except TD. Doesn't that seem a little... inconvenient?

I WOULD GIVE THEM ZEROOO STARS BUT BELIEVE ME THAT IS NOT AN OPTION. I opened td connect in June which has a service charge of 2.99 every month for maintaining the card. But td bank decided 2.99 was too less for them to make money so they started to charge 5.99 twice a month and expect me to call them every 6 business days and they have no resolution for it and their customer service is crappy as hell. I don't know where they hire these people. They don't understand following up a phone call when they say they will and they make you verify your phone number twenty times before you hang up and still not a SINGLE call returned. All I'm saying if you want to waste your time with td bank and their customer service and your phone go ahead and open an account with TD BANK WHICH YOU WILL BE VERY EXCITED NOT TO BE PART OF TD. I'M STILL WAITING, IT'S JULY 2 FOR MY MONEY BACK.

My ex-husband and I took a second mortgage on her home about 10 years ago. Now it's coming to the payback plan but TD Bank North refuses to help modify and help me pay it back because my income is too low. Had made over eight tries. Now I'm required to pay almost 854 a month. So my ex-husband parents helped out by paying $39,000 still TD Bank North is refusing to low the payment stating that I'll just pay the loan back quicker and I'm still required to pay almost $800 a month even after I called to check is it would lower the payment to about 500.00. I was just told it's going to go up even more because the interest rate is going up. TD bank is doing everything they can to get me to lose my home. As a single mom who trying to put stability in her kids lives this is terrible. Please help if you can in anyway.

We had a checking account with TD Bank for a couple years. We were struggling and had lost everything we owned including our house. We had a lot of debt and could barely pay our bills. My father-in-law passed away, so my husband took money from his 401k to bury his father and allow us to buy airline tickets to fly and be at the funeral. TD Bank had purchased some of our debt and watched our account. They noticed that we had the money in the bank and had their lawyers go to court and get a judgement against us to pay the debt they had purchased. We didn't know it was TD Bank behind all of this until we received a letter regarding a judgement and TD Bank was listed along with their lawyers. I was very angry and upset.

I called customer care line on the card and **, not sure the correct name spelling provided me with the worst experience I ever had. She was asking me a lot of questions that I answered but at the end she said that she will be happy to direct me in the nearest branch for assistance just because we don't have a tax ID for our business account. And when I said what it would change if I go to the branch and I still don't have this information she said in person "it's ok" but on phone no further assistance. The lady was robotic, unhelpful and made my day end bad. The experience she provided made me feel that we should open account somewhere else.

I recently gave my friend two checks which amounted to 40 dollars. When she deposited them in her account they were returned and she was charged a twenty dollar fee. Her bank told her that my checking account was inactive. I first check on line and my account was not marked inactive and had $301 dollars in it. Then I called TD customer service and they informed me that TD Bank had made my checking account inactive as of April 2015. The girl informed me that if an account does not show a deposit or withdrawal for six months then they make the account inactive. My account was not used for 8 months. I told her that I was not informed of this bank policy when I opened the checking account and had not received any letter stating my account was being made inactive. I then spoke to the manager and she repeated the same information to me.

Filed charge-back complaint about mail order package repackaged to conceal damage. TD Bank dismissed my complaint without investigation.

Worst bank ever so far. My bank account was charged for $105 overdraft fee on 6/11. In order to cover other pending transactions that may face the fee, I immediately went to branch on 6/13 and deposited $500. Unfortunately I have received 2 x $175 = $350. Any idea how to settle with TD?

I have both checking account and credit card from TD Bank. Last time when I needed cash, I used my credit card on TD ATM. On withdrawal menu, ATM wanted me to choose from which account I want the money from. I chose checking but it was considered as credit. Because of this it also charged me $10 cash advance fee and $0.25 interest. I talked twice with CR on the phone but they kept telling me I needed to use my debit card. If I cannot use my credit card to withdraw money from checking account, what is the point of choosing checking during withdrawal?

Banking Human, What A Load of Crap. Here's the real experience from real customer: I open up an account. The banker says, "As long as the balance at the end of the month is over $100 there's no charge". Wrong! Apparently you can never go under $100. So I think, TD Bank, you're so nice you'll definitely take care of this. But you put me through hell. First I talked to a teller. I explain the situation. She doesn't care. Bank policy blah blah blah. I guess giving me incorrect information doesn't matter. So I go over to the banker section. Two bankers, one customer. After standing there for 5 minute a banker finally comes over. "You're going to have to wait over there (across the room). Oh and by the way, it'll probably be quite some time before we're done." Thanks for nothing (That branch by the way is the Military/Linton branch in Delray Beach, FL).

I just opened a checking and savings account at this bank, and was very impressed not only with the customer service, but with the account features and the ability to receive a debit card immediately. The online banking system is very easy to use compared to some of the others I've used (and I'm a technical person who likes to see a streamlined interface). I highly recommend this bank.

Just so happens my wife's debit card as well as mine were stolen back in April! Both card numbers were used to purchased items. Think about this for a moment, both were stolen! We don't shop, buy gas or use both card anywhere! Obviously, it's a TD inside job. I called after noticing two huge charges in the amount of $3,378.29 to my card (TD Bank fraud protection didn't notify me) to stop payment while they were pending. Get this, even though charges were pending TD Bank couldn't stop them from going through. What the heck is wrong with TD Bank!

First all let me say if you love giving away your money, then this is the perfect bank for you. All they do is make up any and every excuse to hit you with an overdraft fee. They are a complete ripoff and they ** suck **. They have taken over $300 in fees from my account because they ** up on their end. Sometimes I just wanna reach through the phone and punch the person in the throat because they're not making any sense. ** TD BANK.

I just opened an acct w/ TD Bank & the main reason I went w/ TD is b/c they are open everyday of the week w/ convenient hours. Well, big mistake that was b/c even though they are open & working, they fail to tell you they only work very limited on weekends. When I got my debit/visa card from them I was sent a paper in the mail from TD Bank expressing how much safer, easier & convenient it is to use for purchases. Then they advertise that you can "track your purchases & spending, in REAL TIME," w/ the TD Bank app." Yeah right, I ended up overdrafting 6 times over the weekend for a total of $20.28 b/c my available balance showed that I had it & all my previous purchases were posted in my pending transactions with the amount that they totalled.

I also have had the issues others experienced here with the overdraft fees. I signed up for the email notifications and checked my account regularly, but still got hit hard, despite my attempts to be on top of things. Also, I had a bad experience with my auto loan. After it was paid off, they debited my account twice - $322 in payments. I told them the first time to correct the problem to be told they had and I would get a refund. Well here I am 14 days later without the first $ refunded and they did it again! I was told they mailed me a check. Well, why did they not deposit that money direct in my account?!?! They sure took it out by debit. I am going to speak with a manager tomorrow and let them know how irate I am! I need that money. How dare they!

I was charged 700.00 in bank fees for overdraft protection. Deposits were made and called TD and they refuse to do anything. I talked to a supervisor and escalated the call to the manager. I never received a call back. I am broke and furious.

I have personally had the worst experiences with TD customer service over the phone. An associate explained to me that "they have explained this to me many times and it's kinda like we're beating a dead horse here." The customer service is almost always rude, usually inaccurate even according to branch associates, and are never able to solve my problem.

Purchased a trip on my TD Visa. Had 300 in air miles from an old card that I topped the trip payment off with. Had to come back early due to a death in the family. TD Allianz denied my claim as I did not book full amount on the Visa card. 25 years plus with TD - mortgage, line of credit, business accounts, personal accounts. Goodbye TD for 300 lousy dollars. Priceless.

I do not recommend TD bank to anyone. My account balance was $675.39 on 05/26/15. My rent of $662.55 minus from the $675.39 totaling my balance to 12.84. I made a purchase at the supermarket for $8.97. $8.97 minus from $12.84 equals $3.87. $3.87 is supposed to be my account balance totaling my account balance to $3.87. On that same day 5 minutes later 5/26/15 I withdraw $200 making my account -negative. $3.87 minus $200 equals $196.13. My account balance is supposed to be ($232.13).

I noticed a debit for $382 when checking my account online. The description was TD Bank loan. I don't have a loan with TD Bank. When I called them the girl told me it was because someone with the same name has a loan - but it's a different ss#. But it's going to take 10 days to "investigate." So I am without my money for 10 days through no fault of my own. I am beyond angry.

I have an account with TD bank. On May 22 I had 4 transactions. They posted and cleared my account and paid to the merchant with the first transaction posting at 2 pm and the other 3 at 3 pm. I then had 2 transaction that posted on May 26 which my funds were short. They are now charging 6 overdraft fees in a total of 210 dollars. They are telling me it is for the 4 that posted on May 22 and the 2 that posted on May 26. They will not refund me the fees for the 4 transactions that posted and paid on May 22. Please help me. I have called and called. Spoke to supervisor after supervisor. I feel that if these transactions were taking out of my account posted and paid to the merchant at 3 pm on May 22 I should not have been charge the 4 fees. I will also be writing a letter to TD bank itself and faxing my printed transactions history with the dates and times these were paid. Thank you in advance.

My girlfriend and I applied for a mortgage on 3/25/15. On 4/7/15, we received the usual bundle of mortgage documents and the checklist of requested documents and things-to-do. By 4/13/15, we had completed and gathered all of the items, organized them into a binder, and had the loan originator (in person rep) fax them to the lending arm.

I'm a single mother that lives paycheck to paycheck. I do my best in balancing out my account. I have two accounts open, one is for bill pay and the other is for fun and I also have a savings account. I recently made a large purchase so my savings have since been depleted! I thought I had lost one of my debit cards and since it's so convenient to go into a bank and get a new one I didn't bother looking. HUGE MISTAKE... One of the "personal bankers" helped me out and closed BOTH of my debit cards, she then only issued me ONE card.

When I made an account at TD Bank they at first charged me overdraft fees whenever my account was below one cent. The overdraft fees were $35. As someone who constantly checks my account every day I was extremely upset when out of the blue I was charged 190+ all in one night. They only refunded half of that amount back -- $70. After that I made sure to let them know I wanted overdraft protection and if my account does not have enough, to not let my transactions through. I checked my account today to see it was below 2.51. When I called the bank they told me they charged me $3 to check my account balance twice! Yes! Just for checking my account they charged me $6 in all. Then they would not refund my money back to me on top of that! I am beyond upset with this thieving corporation and first thing in the morning I'm closing my account out for good.

My wife gave me a check for $50,000 (nice wife) which I deposited on May 12th. It left her account on May 12th. It showed up in my account May 13th with a hold on it. May 20th still no $ in my account, on hold. Nice float for the really money grubbing bankers.

I recently ended up in the hospital for about a week, at which point I guess there were a series of pending transactions (that do not show themselves properly on the TD mobile app) that I did not realize were greater than the balance remaining in my account. It looks like I was enrolled in TD Debit Card Advance, and so these transaction went through. Obviously, if I was not bed bound and on a series drugs, I would have known that this was happening, and probably would have saved myself from the $245 worth of fees.

I set up an automatic weekly transfer from my TD checking acct. TO my TD Credit Card account. It appeared to be accepted - no errors. Later, found out EACH transfer was attempted but later failed. I found out weeks later after getting a late charge. After several email exchanges, "TD Online banking" informed me that the transfers had to be set up on the TD Credit Card site. Went there, did that... It appeared to work fine for a few weeks. Then lo and behold, ANOTHER LATE FEE! I went back to the CC site only to find out the transfers have STOPPED AND now there is NO evidence of a transfer capability at all - only a downloadable form to fill out to "create" a transfer account! And of course TD pleads innocent and says I'm still responsible for the late fees!

Just a month ago, I get this payment fraud from someone who stole my money to buy crap. $274.75 was the amount on which I didn't even have. I had about $107 in the account. Well, I called the merchant then my bank and then PayPal about it. Even though I told my bank it was fraud and I never bought ANYTHING on the site, it was purchased. They still did a fee of 175 dollars which made me negative 300 after another 35 (it was 'cause of a dollar was transferred to a different bank) was deducted.

Used to be a good bank. Service in bank has gotten SLOW. Waited 1 hour to speak to customer service on phone.....gave up.

Most horrible bank I've ever been with. I've had my information exposed on several occasions. Including one occasion where my mail was going to someone else's home. In a state I don't even live in. I'm constantly getting locked out of my own account and then having to call the 1800 number to sit on hold which defeats the purpose of going online to look at your account in the first place.

From the very first time I tried to log in, I received inaccurate error messages, was blocked and directed to call a 1800 where I would be put on hold for several minutes. When finally told the issue was rectified, I still experienced the same issue and getting someone to actually fix it took DAYS. Between their maintenance fees and unreliable online banking, dealing with them ALWAYS leaves me feeling frustrated. NOT like my business is in good hands. I do not recommend AT ALL.

So deposited a check to my account which was on hold because of the amount, waited for a week. It went away and I was able to access my account again but then it pops back up in my account a week later? I do not know why, if it was a bad check they shouldn't have made my account available to access other funds. Because of this now I have to pay when this check was so called "verified" and processed. After I get through this situation I will NEVER bank with them again! I will close my account. Absolutely horrible, and their customer service is not very friendly! Instead of working with me and helping me they decide to be jerks.

I have never had a problem with TD bank that wasn't fixed in a friendly professional way. I have had a lot of different banks and currently going through a nightmare with Wells Fargo. All of my family has TD bank and all are grateful for them as well. I am sorry others have had bad experiences but I'm sure there is more good than bad with this company.

Recently acquired a bank account from there, and I have had numerous issues with my account. First the branch located on 120th Street and Liberty Avenue in Richmond Hill NY 11419 has a branch manager by the name of ** that is severely rude nor knows how to address a customers concerns. They have overdrafted my accounts on many occasions for pointless reasons. When called they said give them a day and it will be resolved. Makes no sense? Do your job the correct way and then you wouldn't have this issue. Why do something twice?

I opened an acct for my son before he went to college. Knowing very well at that age mistakes will be committed I opted OUT of overdraft protection and specifically asked the representative at the local branch (Yorktown Heights) that he should not be able to spend money that is not in his account and I was assured that it would not happen. Well guess what, I find out my son had an automatic deduction from his account for PayPal which in turn for Netflix acct. The total deduction was for about $40-$60 but the fees added up to $300. After complaining they reduced those fees to $200 but still if I had declined overdraft protection why is it that the bank is allowing these deductions and then charging $35 for each incident. I questioned the representative but he could not come up with a satisfactory answer. I closed the account and will not use their trading platform as well.

On December 27, 2012 I went to cash a cheque I received from Manitoba Public Insurance (MPI) in the amount of $25,000. At that time, I had a no-hold deposit on my Automated Teller Machine (ATM) Deposits. There was a long line-up at the cashiers; therefore I decided to take advantage of this. I deposited my cheque through the ATM. I took out $200.00 and everything was fine. Until January 7, 2013, I was going to give my daughter $5000.00, and my husband took her to the bank to give her so she could deposit it in her account. We had no problems up to this point, I was using my debit card daily and frequently. My husband was then informed that the teller froze our funds, and that I would have to come into the branch to clear this up.

So I am relocating from New York to Michigan and am in the final days of a 90 day marathon to close on my new house. Selling my home in New York was stressful enough and now I'm in the golden zone with a week left and the nightmare is over. Wrong. Enter TD Bank America's self-proclaimed most convenient bank. I contact my local branch to have the money wired to the title company and they drop the news on me that they don't do wires unless you appear at a branch office in person. Huh? I've been using banks for years and none of them have this policy. The nearest branch office is on the east coast so now I'm going to have to eat $1600 in airfare to fly out east and do this in person even though they have all my personal information and contact info.

TD Bank first began charging me overdraft fees excessively in November, October and December of 2014. They charged me close to $600 in overdraft fees in those months. The first time I called about a check that was pushed through before several previous ATM charges that were made several days before. When I called and complained, they told me that they processed from highest to lowest. Again, this happened in December but this time a direct deposit, which was highest, was made on the same day. I asked them why they didn't process from highest to lowest and as a courtesy they told me they would refund me half of the money which was $52.50. Thanks! I am responsible for some overdraft fees but what TD does is find loopholes and continues to charge my account.

I recently order a check with TD bank online banking, and I just pressed something wrong and sent the order. I thought I can call them to resolve this simple problem, but TD bank sent me over and over to three different departments and final result is, I have to go to my local TD bank to speak with the person in the bank. I was very mad about this simple problem...waste me 45 mins waiting...and one of the customer service even hung up on me while I was complaining to her.

I received a "Prescreened Preferred Prequalified Customer TD Cash Rewards Credit Card Application". I did not request this card, nor need the card, but as the offer included a $200.00 cash bonus, I took the time and applied online. Alas, shortly thereafter, I received a letter of declination stating "YOU DO NOT MEET MINIMUM TD RELATIONSHIP REQUIREMENT". I immediately contacted customer service, as I have never received a letter of decline, I spoke with **. Turns out the stated reason for said declination, I did not possess any other accounts with TD.

I am convinced that TD bank will take any opportunity to basically steal money from you at any time possible. They charged me 2 overdraft fees (of $35 each) for pending transactions that occurred in "overnight processing", however, I was physically in their bank at the ATM and did a balance inquiry on the alleged night and was shown a balance of $616. The very rude, insulting, and degrading "supervisor" **, stated that checks were written and should have been accounted for. Well, here's the thing. They already WERE accounted for the day before. The funds were already removed from my account the day before when I checked my balance online. So basically they charged me $70 for fees that were never actually overdrawn or even removed. And they refused to refund the overdraft fees.

Went to the bank the first time to pay rent from my account to another bank account. Gave me the customer service 24 live service card. Called the number. They told me, I should be able to do it at the bank. Went back to the bank a few days later and was told got to do it from another computer, but gave me a personal money order. Told them don't have a computer and got sent on my way. Not happy. Changing banks ASAP.

2 YEARS AGO this bank was amazing! Open super late, always friendly and best of all, if you ever had to call the 800 number you always were connected to a LIVE PERSON! Something major happened to this new updated (outdated) phone system, now when you call you are made to use prompts of a card, or account number.... which is **. When I call them, 9/10 it’s to report a lost card, why do I need my damn account number when you can pull it up via my SS#? Anyhow, you wait about 20 mins! The recorded voice will tell you the wait time! I have a 10min wait call and just recently a 20min wait call! After getting through to someone I was told that “oh, you got transferred to the wrong department!” She said she would transfer me and then she hung up! Now I'm on hold AGAIN!

TD Bank, throughout the entire organization, is totally toxic, does not respect clients, interrupts them, has no ability to listen, nor qualifications nor skill sets required to interact with clients - just brazenly read their corp policies, as "robopaths" - non thinking "low lifes" with IQs to match. Their employees are frequently, incompetent, unqualified, disrespectful, and totally dismissive non-professionals - unfortunately this seems to permeate their entire corporate culture!

I'm extremely angry with TD bank. They're absolutely one of the worst banks that I've ever used. I Got charged over draft fees when I didn't even over draft my account. I'll definitely be switching to another bank. It's too bad Commerce bank switched over to TD bank. That's really when it went downhill. Was America's most convenient bank now it is America's least convenient bank.

I only kept a small balance beyond the mandatory minimum in this bank, mostly to use for my online selling accounts. After years of responsible banking with first Commerce, then TD, one charge slipped my balance just under the minimum balance requirement. My mistake. I'd called the branch to rectify the matter, and asked for a forgiveness of the associated fee since it was my first offense, to which the customer service rep agreed to. I thought that was the end of the matter, however, they never applied the credit, and then continued to charge me monthly until my account was not only drained, but in the red.

I had recently been a customer of TD Bank for several years, with numerous business accounts. I have recently closed all of them due to the shocking and outrageous actions taken by TD Bank.

Today I review my account and find that my credit limit was reduced to zero 10-16-14. In September 2014 I bought a lawn mower and TD Bank financed it zero interest for 3 years. Must of had pretty good credit huh...... first of all never got statement but I understand don't need statement to make a payment. Never had accessed my account online but when I did realized payment was due today 10-16-14. Must have been 7 pm that night I made 2 payments on 16th. They chose not to post my payment until 10-17 which not only made it late it also caused them to reduce my line of credit to zero.

In early January I reached out to TD Bank Customer Service via their "Loan Operations" 800 number. After waiting on hold for 12 minutes, ** answered the phone. When I provided my account number he asked me to hold and I did so for another 5 minutes. A lady answered the phone and asked for my account number again (apparently, NOW, I was in the loan department). My objective was simple: obtain a copy of the original note of an equity line I established years ago (with Commerce actually, prior to TD's acquiring them).

I had pulled money out of my ATM and my available balance was 670.00. So I pulled out another 100. Curious as to why I had an available balance of such a high number I called TD bank to find out I had over drawn 84 dollars. Freaking out I called customer service and they said I have a pending balance of 670.00 and a feature called TD advance that lets me overdraft? Didn't even opt into TD advance but regardless they said I would pay just the 84 plus a 35 dollar over draft fee which I reluctantly said fine.

Would not deposit or cash a check even though check was endorsed by both parties named on check - was told I needed a joint acct. Ok let me waste another few hrs that I already wasted to open a joint acct, deposit the check and then close the acct. So much for America's most convenient bank. More like America's most inconvenient bank.

Went to TD Bank on Fri the 13th - the bank on Mayfair in Philadelphia PA 19124 when with my wife. We are retired. The rep greeted us by giving us the third degree he wanted 1- driver license 2- state ID 3- checking account from our other bank. That still was not good enough. He wanted taxes papers. He wanted our deed from our home so me and my wife saw where he was coming from due to the fact I last name is **. We said forget about!!!

I received over $600 in charges for a single month in overdraft charges. When I checked the account daily, I was not overdrawn. The explanation they gave me was long winded and made no sense at all. They explained that sometimes it takes days for the merchant the charges, and that I might not have realized I was overdrawn.

I grab the wrong checks that have expired that have zero interest for 12 months. Turn out I have been charge $76 dollars of interest every month and $200 one-time fee for using the check. The amount was $5K dollars. I quickly try to call and have them credit back my fee and they refused to do it. I end up paying it off in 3 months but I still got taken by TD bank for the usage of zero interest which was never ZERO at all. Sadly, we are closing out all of our account with TD bank. The credit card was closed, the checking account is next, and all the credit line we have with them. I spoke with Mr. ** the supervisor and he just repeat that he cannot credit my account for the interest charge. I am very disappointed with TD Bank at this time.

In December of 2010 my then fiance passed away who was on a joint checking account and credit line with me. Two days after Christmas of 2010 (Dec 27th. 2010) I went to the bank to close the accounts. I was told I needed his death certificate to fully close it but I could partially close the account until I received a death certificate from the state. The checking account had 52$ in it. The savings account had 16$ in it at the time. (We had already switched to another banks months before). This line of credit had 72$ charges against it. So I withdrew the 52$ from checking had 20$ in cash in hand and paid the credit line off - closed the checking account and kept the savings open just in case.

If your customer is upset, they might have a good reason to be upset. Don't threaten them because you're not in the mood, and if they clearly aren't disrespecting you, you must allow them to state disagreements about their account status in a respectful manner of course. Don't disconnect the call without any reasoning between the two of you and waste their time by going through the whole process again. You may not care at your department but to me, I expect the same courtesy that I was given when I first became customer as when I have a problem. TD Bank is generally good. This is my first encounter with this department so I am surprised by the agent's rude and adamant behavior.

Basically I just signed up with TD Bank about six months ago and there have been small problems here and there. Not to mention the $6 fees if you don't maintain and a $1 fee if you want paper statements sent. The last thing to put me over the edge was the past few days. Basically I put in $1000 cash into my account through a teller and paid $100 on the credit card. I am constantly back and forth from upstate to NYC and so since I just got to NYC I just simply didn't have my debit card word for 3 days!

My mission started 3 days ago. I opened a business account with TD bank since I currently have my personal checking and savings there. Everything was fine. A week after opening my account, the bank conducted a site visit to my business which they deemed as a courtesy visit, I was unavailable because I was with clients and my secretary advised them of that. A week passed and I was conducting normal activity until I went out of state for business purposes. At that point my atm card was unusable, I knew I had over 1000 in there.

I have been banking with TD Bank since about 2002. I'd been mostly happy until the last year or so. After years of avoiding TD Banks Debit Card Advance, I was told by a phone rep at TD Bank that it would act as an overdraft protection and I would be charged 35.00 for each OD, but that the check or debit card charge would be paid. On 2/19 I wrote an important check that over drew account by approx 500$ - aware that by 2/22 I would be depositing more than enough into that account to replace the OD. On 2/20/15 they bounced the check.

This bank makes it it's business to take every penny from you. They are convenient but I have noticed that they will hold checks before clearing and cash the highest first so as to overdraft many smaller ones. Deposited checks seem to take a few extra days for more overdrafts to occur so that when your checks clear they keep that money also. Customer service is rude and very useless and I suggest going elsewhere.

I've been a TD Bank customer for about 7+years and have 4 accounts total (between business and personal). Overall my experiences with them has been definitely more positive than negative. My only quirks are the $25 fee they charge on domestic wire transfers, the non-TD ATM fees they impose on certain accounts, their completely outdated website/online banking (come on TD - spend some money and update it, people will love it then), and a few of their local branch agents are airheads (only a select few and I can pick them out so I know to keep tabs/avoid them, majority are pretty good).

I had a Home Equity Credit from TD Bank. The payments are debited from my account on the 4th of the month. TD holds onto the payment for 10-15 days and not crediting it to the acct. I have $130 in late fees. Also received a letter I am in jeopardy of losing my home but the loan is PIF.

My daughter a student had "overdraft protection" for four transactions totaling $42.00 and was charged $140.00 in fees because they said her $200.00 pay deposit was still pending then (over 24 hrs). Then charged her an additional end of day fee of $20.00. THEN charged another $70.00 in fees for being a negative $2.00 after charging $162.00 for debits that she thought were coming from her paycheck. THIS IS INSANE!!!!!! I didn't believe her till I saw the statement. So with her we called the customer service number and the woman that answered was HORRENDOUS.

Waited over 2 hours for set up an online account. Submitted 2 times online, never receive any responses from them. There is 3 bankers working, every single one of them moving slow - over two hours to open an new account. They need to think serious on customer service rather than decoration.

If you are a small online merchant, think very carefully before using the services of TD Bank. The fees are very high on a monthly basis and per transaction basis. We paid almost as much money last year in fees as we earned in gross sales. The bank also has outrageous early termination fees. When we terminated our contract one month after the automatic 2 year renewal because we are going out of business, the bank charged us a fee that was basically the equivalent of the total monthly fees for two years. We did not know about the two year renewal provision. Perhaps we signed a contract that included that, but that was 7 years ago. And even if we had, the terms of it as applied are grossly unfair.

I visited your 10821 North Dale Mabry Highway, Tampa, FL 33618 branch location on 02/07/2014 in hopes of opening a new Checking and Savings account. I sat down with ** and explained that I'm new to the Tampa area and I wanted to open a Checking and Saving account. I explained that I was interested in the promotional advertisement offering a FitBit Flex to new customers.

A rent check was deposited on a Friday, 12-26-2014 into a Chase account which should have clear 12-29-2014. To my surprise, TD Bank cashed the check the day it was deposited which created a $245.00 overdraft fee. TD Bank rep stated it's their discretion whether to a personal check for a personal account. Funny thing, I thought when a check has been deposit it take 24 hrs. to clear. I send an electronic transfer to this account to cover the check. If there was insufficient fund in the account I should have been charged a bounce check fee. All-in-all my other payment would have clear. Shame on TD Bank closing this account immediately. I just hate to give them $245.00 of my money for greed!!! Stay away from this TD Bank, they changes policies when the mood fit them!!!

I had a terrible experience with TD Bank where they drained my young son's savings account by 5 dollars a month over a period of 5 years. He had a passbook savings account and we hadn't updated the book in some time. We had gone in to make deposits and were never informed of what was happening. We never received any notification that they were changing the minimum amount required for the type of account he had. They claimed they sent one out once, at the very beginning, but never again. When we opened his account we informed them that this account would be for a young child. I was very disappointed at the way they handled this situation.

When I opened my account the lady told me if I overdraft anything less than $5 I wouldn't be charged an overdraft fee. I over drafted $1.73 one day, and $1.45 the next and they charged me $35 for every time. One day I checked my account, it was over drawn by $33.50.. I purposely put my card up so I wouldn't touch it and I checked it the morning I got paid because I had direct deposit set up, and it said I overdraft $59.50 which I don't understand because I got paid that morning.

No matter what your issue or question, TD Bank has a way to play it into their favor, meaning fees for you, either by catching you a fee each month randomly on your "simply free" checking account and then you call of course. They have no idea there aren't fees because you have met all the requirements. And the best part they would only reimburse that one month when I noticed it not the 4 prior I hadn't seen. They back date checks to take out stating that they do that from when it was originally pending, but their system obviously didn't get for 3 days later. And checks you deposit online take next business day.

I happen to have a mortgage loan with TD BANK. I also have 3 other mortgages with 3 other banks. However, none of those bank have treated badly at all, except for TD BANK. You see, back in May 2014, the escrow amount of my monthly mortgage payment with TD BANK went up by 30 dollars. But I did not know about it till it was too late. They claim to have sent me few notices the following 3 statements. However, for some reason either I received these notices but disregarded them thinking they are credit card offers/junk mail, or maybe I did not receive them, period.

Fees out the **, this bank in my opinion makes BOA, Wells Fargo look like angels. I would ask a couple TD customers (which I failed to do) before opening ANY account. I have checking, savings, the online experience is mediocre, and online balances vs. in bank info are never the same. This tells me they have horrible infrastructure and they take fees to a whole new level....customers beware.

On 1/23/15 I had $53.27 in my account (not much but it was mine). No charges until the 26th when T.D charged $105.00 for overdraft charges which put me negative $51.77. Then charges came in 1/26 for $48.64, negative -100.41, $20. -121.41 $15, -135.41 and $10. -145.41. On the 27th I made a deposit of $1375.00. My acct. went to 1229.50, then on the 27th I was charged another overdraft of $140.00.

I opened a savings account to protect my checking account against overdrafts. I noticed on my checking account that there were $630 in overdraft fees. When I went to the branch to find out what happened, I was told that they told me that the accounts were never linked and I would be responsible for the fees. They have done nothing to resolve this issue.

We are in the midst of being relocated, and found a house in our new location. We went to TD, our bank of 12 years to get financing for our new home. They wouldn't even apply us. The financial specialist said our credit was too low and that we should check out Equifax to see why. So I did. Our credit score on Equifax did not match the number that she quoted us. It was much higher. So we immediately called her back, and emailed her, and called her the next day. No answer. No replies. We had already agreed to purchase this home and needed the financing complete within 10 days, and it already took 5 days to get our last appointment. So we called another bank - RBC. We had financing the next day, within an hour. We'll be pulling all of our accounts over. We never had a problem with TD until we actually needed them. Won't be going back.

Information that you see online differed from the information the cashier has and those two are different from the information the manager sees on his screen. They charge you overdrafts fees even if you deposit cash before noon. What you see as pending with an available balance didn't reflect the truth.

To cash my pay check from my employer's TD account cost me 7 dollars. They are stupid enough to ask me if I would like to open an account with them. But they ask every week if I have a account. (They have my license when they ask.) Greedy and STUPID. The reason their banks are green is it matches the color from the bottom of the rock they crawled out from under.

I had a situation where checks were stolen and used, as well as phone banking set up by someone else and used by someone else. The Fraud Department refuses to refund any of the money stolen out of my account by saying that when I opened the account I supposedly signed some paper claiming that I only have 14 days to notify them of any fraudulent activity or I am not entitled to getting my money returned!!! If you read the brochure they give you when you open the account on page 49 it says, you have 60 days!! The Fraud Department acted like they had no idea what I was talking about!! I have never seen a bank operate this way where they actually screw their customers!!

Each time I attempt to reach a "live person" on TD Bank I wait for at least 10 minutes. BOTH agents I spoke to today were EATING while on the phone with me. It was disgusting! Besides that they were both rude and offered me no solution to my issue, which was changing the method of payment for one month. I am getting a new loan from a different bank and I will be paying $7 more a month BUT it is worth it to have better service than this! Do NOT DO ANY BANKING with TD BANK! You will regret it!

No worth opening or joining with TD that lie to get you to open an account. I have the debit card premium which allows me to overdraft when needed. Some reason I haven't been able to overdraft once this bank is not worth going to. I rate this bank no stars if I could.

I have been with TD Bank checking for about a year. I cannot believe that it is legal for them to impose transaction fees like they do. I looked at my account today and saw a charge for $175 for overdraft, but nowhere on my statement, does it show a negative amount to support this overdraft fee. This is not the first time, I have paid hundreds of dollars in fees for unsupported documentation for their online checking. What makes matter worse is the customer service or rather lack of customer service who tells me that is just how it is done. And there is no recourse! There is no one else to talk to about these charges. CS tells me that I just have to pay it and there is no recourse. How can this be legal?

Stay far away from trusting this bank with your money. The "BANK" stole more than $150 in cash from my account by mishandling my money then blaming me for the problem. My transactions did not reflect on my account until ONE MONTH later causing multiple overdraft fees, as I believed there was money in my account (as it showed online). When I called in to complain, the representative was not understanding, rude and condescending. She told me to "have a notepad where you record all your transactions" rather than using the online system. That is the most ridiculous thing I've ever heard. Why have an online system if it's unreliable?? ANYWAYS STAY FAR FAR AWAY!!!

Lots of delays, people who go in are getting stuck. Also there is that overpowering fragrance which I have to assume it is chemical based. Even after I got a simple deposit slip in with two pre-printed checks I waited 5 minutes. The teller did even see anyone else. Delays there are a regular occurrence. Had the phone app not rejected my deposit for being too large I would not have go in and have this experience again. I remember getting bad looks a rude service for trying to get a good amount of cash back on my deposit. Luckily another teller stepped in and provided professional service.

I've had this checking account with TD Bank since August 2014 and haven't had any problems until December, when I caused an overdraft on my account due to miscalculation. I had about 6 small debits pending on my account, for which the amounts were already deducted from my bank balance. I made an ATM withdrawal at the end of the day, but I withdrew too much because I miscalculated by roughly $12.00.

Having banked with several banks over a number of years, TD Bank proved to be the most creatively deceptive institution that I have ever dealt with. Through this website, I am giving it a one-star rating solely because nothing worse is possible. In the lines that follow, in order to substantiate my claims, I will provide a factual example. Some time ago, the bank coerced me into signing up for its overdraft protection service. I say "coerced" because, for months I would attempt to log into my accounts, and every single time TD Bank would place on my computer screen an offer for the aforesaid service that I would have to deny in order to gain access to my funds.

Attempted to deposit $400.00 into my account through the ATM. Machine kept my card and my money. Manager said police would have to request security tapes for police to investigate the money that was kept by the ATM. Incident has been ongoing for over a month.

The way I see it, TD Bank is a predatory institution in the guise of a friendly neighboring bank. I have maintained a checking and a savings account with this bank for quite some time. I have never taken a loan or even a credit card from them and have always had a positive balance in my accounts until..... Initially, I used to have my paycheck deposited to TD but then switched over to a bank on my company's premises just because it was more convenient. So I closed down the TD savings account but still maintained a checking account with them mainly because I sometimes visit family in Canada and thought that having an account with a Canadian bank would make it easier to withdraw and exchange currency when I am there. However, one Saturday evening, I make a withdrawal from a TD ATM machine using my TD debit card which brings my checking account below 100. Unknown to me and without any warning, they hit me with a fine of $15 and repeatedly keep doing so every 10 days. Their repeated fines push the account into the red zone and then they hit me with an insane overdraft fee!! So now I owe them $80!!!

A teller put 2,000 dollar into my account by accident on Dec 3 then someone from the bank called me on Dec 12 to tell me of the error. I share a joint account with my mom for the last three years since moving out west and it was her money they put in there. The bank representative has already admitted that they were at fault caused by the teller, that is clear... I didn't notice the discrepancy in my account. Admittedly I do not keep track of my bank account as well as I should but I always thought I could trust my bank on what is in my check account was accurate. I get paid salary and job bonus, thought I was having a good month and splurged a bit and with Christmas... The bank representative has already apologised for the mistake. I asked if that's all they could do, is apologise for this huge mistake. She said yes so I hung up before I lost my mind cause it's not her fault. But because I think this merits more than a simple apology and have lost all trust and confidence in TD Canada. Trust, I will be pulling out my remaining money from TD bank and telling everyone about how TD bank handles their clients.

They charged me 2 overdraft fees when I didn't even use my card!

Online TDBank advertises a 0.25% interest rate for Veterans. But only for ones that do not have a existing VA loan on their home. Well, that is 90% of us. This is a class act to trick you into a loan veterans. I asked to talk to management, they hung up on me. All Vets, please stay away from TDBank, they are not for all of us, just another consumer method to trick us. Thanks for your service, God Bless.

I have been with TD Bank for over 20 years. I have had many problems with them in the past, specifically with Paycheck holds and small fees that bare absolutely unnecessary.

Since November 21 our bank acct was hacked by fraud charges up to almost 250.00. We live paycheck to paycheck and budget our money. Because these charges overdrafted our acct, the bank then charged bank fees. Since November 24 the bank has charged us $595.00 in bank fees. Again it started with the fraud charges but then there was approximately 2500.00 deposited on the 25th into our acct and they charged a fee. My concern was that I had checks written out on the money that was taken away between fraud charges and bank charges and before my next paycheck got in the bank (which is weekly of 1043.10 and then bi-weekly at least 2500). My checks came in - got us negative and the bank charged us fees again. They aren't cooperating with us and working with us. If it wasn't for all these fees we would be fine.

I made 3 transactions on Saturday 11/28 with a debit which should be automatically subtracted from my acct. One transaction on Sunday which caused an overdraft and I accept and understand. But this bank made all transactions for 12/01 and charged them highest to lowest and charged me $140.00 of overdraft fees so pizza for kids on Saturday ended up being 48 for 8 dollar bill and so forth. This is an abuse... I will be removing my acct and going with Capital One. TD Bank has no customer service.

I opened a savings account with $1,000 as collateral for a secured credit card with them. I paid every single credit card statement for approximately 6 to 7 months without fail and then simply decided to close the account after once again paying it in full and having a $0.00 balance on 11/14/2014. Upon closing the credit card account, I was told that they would notify the appropriate departments in order to have the collateral funds released and that this process should take no longer than 5 to 7 days. I patiently waited until the 7th day and called on 11/21/2014 to ask why my funds were still frozen. And now they tell me that it was 5 to 7 "BUSINESS" days and they were sorry for the miscommunication. They also said that they were going to send an email to corporate to have the process rushed. I once again waited patiently, waited and called back on the 7th business day, which is today 11/25/2014. And I was told that they were sorry for the miscommunication but it was 7 to 10 "BUSINESS" days and I lost it. I told them off and accused them of lying, etc. I made sure to tell them that I was going to close all my accounts. Stay away from this bank!!!

We have our general company account with TD Bank. We opened a subsidiary business account, deposited money into the account and then was told (after the check was deposited) that the account was put on hold by TD Bank Manager, Ronald **. After calling Ronald **, he told us that it is TD Bank's guideline to put a permanent hold on accounts that utilize a UPS Store Suite Address as a business address. He instructed me to update my address with the Florida Department of Corporations or he would not release the deposited funds from our bank account. KEEP IN MIND that was the check that was used to open the account with and we were never told that was a bank "guideline" to hold funds. I told Ronald ** that we do not want our address disclosed to the public, as the FL Department of Corporations is a public site. I ask if he would accept responsibility for any potential liability that may result in disclosing our physical address. He stated that was not his problem.

I am writing to complain about a NY Notary who is employed at TD Bank Flushing, New York. Her name is Asma **. On November 23, 2014 at noon, I went into the branch to have a paper notarized. It was for my insurance company. The paper stated "please check off whether or not you have other insurance." I checked off no, and the bottom had a clause that stated if you checked yes please fill out the bottom. Because I checked off no, I was NOT required to fill out the clause on the bottom. However, Asma was extremely extremely rude and argued with me for a half hour about filling out the clause. I am not sure if TD bank administers writing and reading tests before hiring incompetent staff or if the Notary Public of NY ensures that applicants can read before administering their license. Please properly train your applicants and notaries how to READ and interpret paperwork before arguing with a customer.

This bank will find every way to grab fees from you. Sleight of hand, how they process accounts, transactions. In essence penny pinching and short sighted. Why would I trust putting more funds into this bank if they keep on pinching what I have there now?

I would never recommend this bank to ANYONE. Their customer service is atrocious, they withdrew money from my account without notifying me, and then proceeded to charge me hundreds of dollars in overdraft fees. When you call the helpline it will take over an hour to have someone answer the phone. I will be leaving TD bank this week.

I have a Construction Loan with TD Bank which means you pay interest only until the construction is complete. Construction was completed in July 2014 and inspected by TD Bank with last payment made to my contractor also in 7/2014. For some reason it was still my responsibility to contact them to change the loan to Conventional Loan where principal and interest is included.

I was overdrawn for 65 dollars on Monday, 10 beginning the day. Next day it's a holiday - veteran's day. Went to the bank on that day - apprised they're open so I deposit cash inside with a total 260 dollars. So today 11-12-2014, they put my deposit cash on pending in order to charge me all the overdraft fees for their benefit. Even I went inside the bank when I was advice from the tellers that account is on positive status. But I guess TD Bank commit on knowledge for their convenient, not for customers. I am so upset, disappointed. Closing my account because that is not right. I will not recommend TD Bank to nobody.

I deposit a check from the same company every month. This month it was different when I deposited a check to my checking account, it was cleared within 24 hours. I then started writing checks to pay my bills, TD bank then took back most of the check for further review, putting me in jeopardy of having my checks bounce. Then they told me I would be responsible for the bounced checks even though it was a situation that the bank created. I don't think that's fair, I've been with them for a few years and I always deposit a check from this company monthly. It's never been reviewed before now it's in review. I WILL NEVER USE THIS BANK AGAIN, ACCOUNT WILL BE CLOSED FIRST THING MONDAY MORNING, TRUST ME.

We have a mortgage through TD Bank. We bought our house 18 months ago. We never paid late, but every month they are marking us late. They moved our escrow around several times because their representatives couldn't figure out what to do with our escrow money - they would send us the check for the whole amount, and then bill us back for it. Then because the escrow would be withdrawn by them, they would send us threatening letters about not having enough money in our escrow. The back and forth has become unbearable. This month they reported us to the credit bureaus for non payment - but when we called to complain (because we have never been late), they said "It show in the computer that it's up to date, I don't know why it was placed with our collections department and why it was reported."

My wallet was stolen on October 3, 2014. I had 2 debit cards from TD Bank, as well as a Chase debit card. After reporting the theft to the police, I cancelled all my cards in the morning. A few days later I went to a TD bank branch to obtain my new debit cards. The rep refused to give my new cards as I couldn't prove who I was. I told him my SSN, the last transaction, my phone number and address. I also showed him my TD Bank checkbook. I later on called TD bank to have them send me the replacement debit cards.

We sold our home for 260,000 and purchase another for 60,000. Due to delays at the land title's office we needed bridge financing. Went to the TD where we have major investments. We were turned down for the the 60,000. We only required this Money for 60 days. All transactions would have been done by the lawyer and paid directly to the bank. This was a no risk for the TD Bank. We will be pulling and closing all accounts with the TD as soon as possible. They have lost a customer who has been with them for 30 plus years.

I received a TD bank check from someone with a TD checking account at the midtown Manhattan (42 street & 9 ave) branch. When I went to that branch in the morning, I was told that there would be an $8 fee to cash (their TD bank) check because I did not have a TD bank account. I decided not to cash the check. I returned later in the afternoon and asked an TD account rep about this and he stated that he would speak to the head teller. He returned with cash totaling $7 less than the check amount and told me that there was a $7 fee. So my question is which is it $7 or $8 and why wasn't I offered a receipt with the fee stated? So if I have a TD bank account and write a check to a non-TD bank customer they get screwed?

We moved in August and were in the process of gutting redoing a lot of things in the house. I went to use my card in September (late) and it was declined. I knew that I had enough money in there, so I went to the bank and they told me that someone attempted to purchase tickets to Russia and the Ukraine in the amount of $8000 and because it was an international flight, when the person was asked to show id, they left to "look for it" and never returned. I wish I would have known immediately, as I then remembered that the other debit card to our account was with our movers and along with that was about $40,000 worth of jewelry from my father who passed away.

I was charged 175.00 in overdraft fees for 5 vending machine purchases for two reasons. First, TD bank will not allow the option of not being able to use the card on a business account. Second, they take the largest check first and use all the money so instead of bouncing one big amount you can bounce twelve small amounts. In our case, candy bars at my husband's second job wound up costing him $36.00 each. When I talked to the manager at our bank she was a pompous ass and would not adjust the account. We have been with this bank for over 30 years through numerous takeovers. We have been too lazy to change banks but this woman and this bank's polices are the straw that broke the camel's back. Horrible bank!!!

I check my TD bank account online daily. I forgot to check for one day and My account was charged for overdraft fee with the amount of $375.00 and all of it for small transaction. As an example - for Two dollar and fifty cents the bank charged me $35.00 overdraft fee. I called the bank hoping for solution, they did not help and they told me if I don't pay it, on two weeks they are going to charge me for more fee!

This has happened to me several times in the past but this is the first time I've been compelled to write up a complaint. My debit card information is constantly compromised. I'm not the type to order from sketchy online sites and I understand that these things do happen but this has literally happened to me five times in the last year. Every time it happens, my account goes into overdraft and customer service refuses to refund my account, even though every single time the charges have been proved to be fraudulent. They seem to be on the side of criminals instead of their "valued" customers.

So nice to be treated as a minor in a shared account. I chose to move to TD, hoping for a slightly more ethical bank than the one we dumped (whose directors are still not in jail after the banking crisis), and now I'm regretting my choice: I'm treated as a minor (not the main account holder because spouse got there 5 minutes before me and signed the papers) and I am being passed around from department to department to simply link my c/c to my checking, so that I can monitor it online. Oh and now they cannot do it unlike other banks. Don't bother wasting your time with this patronizing, pathetic bank!

They have the worst customer service that I have ever seen. I have been to many TD bank branches and they are all the same. Charge maintenance fee even though they didn't pay the bounce check. That means my account was never under the required balance. The employees are rude and prejudice. Been banking with citi, chase, Sovereign, Sallie Mae and many more banks since I was 15 and NEVER EVER had that bad experience that I had with TD. Didn't happen one time, this is like this since I started banking with them, which is since they started business in NY city. I waited all these years and didn't see any improvement. The only reason I have my account with them is because of the longer hours. But other banks have extended their hours and this TD bank will be gone from my record after I change some of my automatic bills payment. All they do is spend money on advertising, bring new customers but this won't last with this terrible service.

I have been charged AGAIN for bounced items (to the tune of $140). I look online and I never see my balance coming within $100 of bouncing anything. I went into the branch and the teller also could not tell me where this deficiency in the account occurred. Waiting to hear from the head of customer services (and will be going to the BBB AGAIN!). In this day and age (and TD being "America's Most Convenient Bank"), I should be able to see ALL of the transactions posted against my account with a time/date stamp and showing me EXACTLY where/when a deficiency occurred online. Why are banks not obligated to have FULL ONLINE DISCLOSURE of such info?!?!?!?!?

I got charged $175 overdraft fee for items that were already posted and out of my account because of an item that they have pending. I do understand banks will rearrange items to get the most overdraft fees as possible. But I have never been charged an overdraft fee for items that are already processed, posted and out of my account for an item that is pending today. If there is not enough to cover the item pending, sure I deserve an overdraft fee for that item but not for the cup of coffee I swiped my card for Thursday and they held pending until today.

I gave this business 1 star because I had to, but it deserves 0 stars because it is SO bad it deserves not a single star. We recently had our cars broken into and my husband had his cell phone stolen and my son had his wallet stolen. We believed the break in happened late in the evening and the thief, who we suspect is an ex-friend of my son, used one of his credit cards and his debit card at 5:40 am the following morning. It was good friend of my son, who ran into financially trouble and was leaving the country in a week. He is a computer wiz and knowing my son very well, had the ability to ascertain his PIN. He withdrew $600 in two transactions from my son's account. We reported the theft to the local police and requested films from the surveillance camera from Amboy Bank (where the card was actually used).

I haven't really checked on my saving bank account by online every transaction. That's why we called "Saving bank account." I found out today that I have been charged for maintenance fee $4 on August. Then, spoke with someone on the customer service telephone about the fees. Therefore, I finally had the time to check all the statements these past 3 years and found out TD bank has been charged me the fee for 14 months = $4*14 = $56. The lady transferred me to speak with the manager. She mentioned it was all my problem and trying to speak all the crap. I am so mad because I feel someone is a scammer on my bank account and that is from the bank. I have had a checking bank account with them as the same time I opened this saving bank account. Today after I opened the bank account for 3 years, they told me the reason why, I have been charged it for over the year because my bank account balance has been under $250.

I opened up a business checking account at TD Bank at 10 Main Street Peabody, MA. My office is right NEXT DOOR to the bank. 3 days later, a rep called me to tell me that they will be closing the account because they can't verify my business address. I asked what specifically are they asking for. They told me they need to see a physical address with a "computer" on the business premises. I explained to them that I drive a lot and that there is no need for me to have a computer at my office. I just used a laptop. Apparently they couldn't understand this. I switched to Bank of America the same day.

We opened an account at TD bank for our son who would be in a military college. He has no time to go to a bank during the week and TD Bank advertised how convenient their branches were. From the first month, we started getting overdraft fees. We could not get anyone to answer our questions and they charge monthly fees even if you try to close the account. They stack the withdrawals in a descending order to make sure you are overdrawn.

I really have had a positive experience at TD for over fifteen years. Lately I have been a little careless but won't be once I relocate far away from Chester. The overdraft fees and the minimum $100 balance have me thinking that I should transfer to another bank but I don't want to start all over again just when in a couple of years I'll retire and buy a house. So, I'll try my best to balance my checkbook and not give TD so much money in ATM fees. So if I get denied a debt consolidation loan, I'll know that this review is just a lack of appreciation of a good consumer and customer who doesn't really want another bank but TD.

I have account with Td Bank over 3 years now. All the time they charge me maintenance fee which is I don't know why, so last year I went to one of their branch to get information about maintenance fee, but they didn't give me enough information about that. Again couple months ago I went different branch. I ask them again, they said if your account is below 100$, they charge 15$. Finally I got answer, but it was too late. Just today they charge me overdraft fee 4 times, "35$ each one" - because I thought I have enough money in the account then I visited a branch, and I got transaction summary. I saw couple days ago one of the store charge me twice, that's why my account went to minus. I explain the situation to customer representative, and she told me I have to contact with customer service over the phone, so I talked 4 different representative. One of them was really drunk I can say, even he couldn't give me information about last 5 transactions, so they told me I have to contact with the store. They have to send td bank fax for dispute to their second transaction, and customer representative told me after they send fax over to them they were going to dispute overdraft fees also, but they didn't. I don't recommend this bank to anyone - in the past I had these kind of problems with them.

I opened up Four Different Accounts based on one check drawn on none other than...TD North... Made out to me alone believing my funds would be available the 'same day'! I so deposited it and then told funds would take a week for 'checks'.

I paid a debt in full on Aug 6, 2014 To TD bank. I tried to settle debt by speaking with a manager, manager was not available so the debt was to be paid in full. After I paid the debt off, a rep advised me I can go to a local branch to pick up a paid in full letter the same day to show debt was paid in full. That was not true, spoke with branch for over an hour and a letter was never provided. Called recovery again in ref to matter, they were not able to provide letter, not able to let me speak with supervisor, or provide cooperate number. This is dishonest and no good business practices.

TD Bank basically charged me an overdraft fee for moving money back and forth from my savings and try to say that I didn't have available funds in my account. They said I am enrolled in the Debit card advance that's why I was charged. They basically charged me for moving my money in my account as if I were conducting actual purchases. I accused the service rep of this dishonest practice and he actually admitted to it. I was appalled and disgusted. This is not the first time I've encountered the less than admiring service of this bank. But this crossed a line and I will be closing my account and making sure others do the same before they are also cheated out of their hard earn cash.

This bank is truly the scum of the earth. The practice of re-ordering your transactions from highest to lowest so as to cause multiple overdrafts where there might otherwise only be one. Stay away from these criminals! White-collar **!

TD BankNorth bought a loan that we had with Hudson Bank. They immediately started adding on "late fees AND interest" on the late fees. We called and requested a record of when we paid and what we may have missed. They told us that they only had the information since they took over the loan. We pushed them and said that how could they charge us late fees, if they didn't know when we were late? Response was that burden of proof was on us, not them. What happened to the customer is right? There has been this back and forth, back and forth for quite some time. In 2012, they sent a repo company to take possession of our vehicle. We again called and requested on what basis they were saying we were late. After bullying from the repo company and TD Banknorth, we paid what they said we owed. Again, within 6 months they started again with late fees and interest. We hadn't missed a payment and they couldn't explain why or give us any proof that we owed it.

I made an appointment with my local TD bank with the manager Ms ** on 5/27 and she said 9 am on 5/28. When I got to the bank at 8:45 on 5/28, she was not there and forgotten about our meeting. I should have seen the writing on the wall then. I saw Mr Orlando ** the supervisor and spoke to him about a loan for a condo. The condo wanted a conventional loan and I had to give my real estate agent money for escrow. I had told mr ** I had a bankruptcy which was discharged in Jan of 2011 3 1/2 before and he led me to believe this would not be a problem. Later I found out that you needed to be discharged 4 years or more to get this type of loan. If he would have know this, he should have told me because the people I was buying the condo from wanted to close right away, not wait 6 months until I was able to get this type of loan.

I brought one of their checks to the teller, I signed it. She then told me there was a seven dollar charge for cashing one of their own checks.

I had made a wire transfer to the same beneficiary bank numerous times and the last time was done at the beginning of July. Up to date, the wired fund is up in the air. TD Bank had no idea where it is. Called them numerous times and the answer is always be patient, we are tracing. The wire transfer department refused to talk to me. The customer service refused to accept a complaint. There is nowhere to file a complaint. It is getting very frustrating and they are of no help. I learned my lesson, such a bank everyone should avoid since they cannot get their act together.

I checked my balance on the morning of July 9th 2014 and I was overdrawn $18.20. I miscalculated. I took a snapshot of my pending transaction and my balance because this has happen to me before with TD Bank. My direct deposit went in that very same night so I thought I would be good because with the pending transaction already coming out of my balance and I am only negative $18.20, it would be fine and let TD charge me the overdraft fee because it was my fault.

I had signed up for a protection plan on my checking account. I was told if a check was presented it would be paid but I'd be charged an overdraft fee. (This is different than the overdraft protection plan). Two checks were presented, but TD Bank sent them back and charged me the overdraft fee. The two checks were resubmitted and again returned and overdraft fees. After seeing this online, I called TD Bank and this time was told it was TD Banks discretion on what checks would be paid and what ones would be returned. WHAT????? I was not told this when I signed up...give me a break. They would not listen to the phone recording when I signed up so they could hear what was told to me.

TD Bank closed our mortgage and I couldn't be more happy with the service. From my loan officer to my processor the both of them made sure they were in constant contact with us! There were a few typos but no big deal. The were corrected very quickly. The fees were as discussed along with the rate. In the end, the package was on time to our attorney and we closed without a hiccup! Oh and I should say that we opened a checking account and got a discount off the rate!

I have been with the same bank for about 15 years. Even though our auto deduct mortgage is through them, I will be going in to close my account Monday. I can no longer deal with TD switching my transactions around while I sleep so I wake up with numerous overdraft fees because TD BANK goes out of their way to move bigger transactions to the front of the line so all the little transactions can be charged overdraft fees. The silly ** at the bank even had the nerve to say "Of course you would want the larger transactions posted first, they are more important!" WOW Really? I want to pay an extra 35.00 for buying a 3 dollar air freshener in the AM and have a check clear that night without pending and move in front of a 20 dollar withdrawal I made at 7AM. ENOUGH! I Quit!

If you are thinking about getting mortgage from TD Bank, simply DON'T. The bank doesn't participate in any kind of government home assistance programs. They will accept your application and after months you will receive a denial. I sent a letter to the CEO and never heard back from them. So simply you can't count on that bank to help you during difficult times. Even HARRY PROGRAM, TD isn't participating in it.

Regardless of what you call about their customer service representatives are horrible. They leave you on hold and don't seem to know the answers to your questions. They need to be taught "The customer is always right".

Every time I have a reason to call TD Bank, the service is so completely horrible. I get off the phone wondering if they remove the logical thinking centers of the brain of each agent. TD Bank is not my "primary" account. I keep "play" money in it and use it as a way for one of my friends who I loaned money to to deposit. Recently, I tried to link my credit union to TD bank so that I can put money into it. I had recently had some fees charged, and was trying to avoid it going forward. My bank sent me 70 cents in 2 transactions to verify the account. Then, they reversed the charges. Unfortunately, my friend had just "bounced" a check to me, which was a fee I accepted. But TD Bank also charged me 35$ on the .70 reversal.

I had an adj. rate Home Mtg. with BOA which I refinanced in Dec. 2012 to a lower fixed rate. I also had a Home equity loan with TD Bank, interest only for 10 years. As soon as the BOA new loan kicked in, I received a letter from TD Bank stating "that my H.E. Loan was in repayment (?) immediately and I would no longer be able to obtain any funds from that account." I never did anyway over ten years and the fee to refi for 10 years would be $669.65 plus any unpaid finance charges, late charges, or insurance fees. Your new payment would include that amount plus principal & interest. I paid that in full in the following bill.

My employer writes my check from the company's TD account. I do not have a TD acct. I usually deposit my check at my bank, but occasionally I need cash right away. On these occasions, I go to the TD Bank because I know they will cash their own check. They are thieves. They gladly take $7.00 out of $100.00 to honor me with $93.00. I don't have an account there, but the check is a TD check. How outrageous! Thankfully, this only occurs a few times per year - the last time I only paid $5.00. Next time it will probably be $10.00. They have no conscience or empathy for the working poor.

I would not recommend TD bank to anyone! I am astonished how TD runs things. Yes, customer service is very helpful. My whole perspective on TD changed when I deposited a check two days ago. From time to time I would call the automated service to check my balance. When I contacted customer service on Thursday afternoon around the same time I deposited my check, apparently I have to wait one business day for my check to clear, I was fine with that. Today is Friday. I called the automated service to check my available balance; the check in full isn't in my account as of yet only $100.

The West end Allentown PA and Mount Laurel NJ. 6000 Atrium Branch saw the winnings of a Gambling from the Borgata casino, they thought something was wrong. The CEO Mike T. out of NJ along with VP ** sent us a letter stating to close our account with TD Bank after a 5 year relationship. They Violated the ADA rights Act in not leaving the account open. A Cert. complaint was sent to the office of Congressman McNeill at 1038 Shadt Ave Whitehall, PA. If the Gov. can't enforce the laws of the ADA in leaving the account open then the Gov. is not helping. No response as of 2/14/14 from congressman. Nevertheless HIGH FIVE to the Borgata Casino and managers who stood by the winner **, were willing to supply bank with records. The bank still insisted on closure of this account. TD Bank and its employees most but not all are Lazy and give poor customer service. We told the bank that if there was a violation take it to the court which the bank didn't. The outcome was they closed our account and didn't allow us to be compliant. The consumer filed a 2/14/14 complaint to CBFP, OCC against Mike T and ** of T D Bank as well as a ACLU complaint under the ADA act.

On my visits to Florida I review my 86-year-old mother's finances to make sure all is going well. Due to work I had not been able to visit for the last year. I found that TD Bank now stopped sending monthly bank statements and CD renewal actions to her home address. When confronted, first they denied not sending the information, 2nd said they would correct the mistake, 3rd they tried to sell us financial services. We finally were able to cash out all holding at TD Bank after sitting through three different official's speeches on why we should stay with them. Got to wonder if this is a scam to fleece older customers.

TD Bank's customer service is HORRIBLE!!! Their employees are rude, not knowledgeable, and incompetent. You have a choice, DO NOT do business with TD Bank! Their overdraft fees are crazy, they don't post your stuff online on time so your account can get overdraft and you call for help, they won't help. I called them and got a supervisor called Joe who couldn't give his last name and who said that TD bank managers won't talk to customers on the phone. What kind of experience is this?? I tried to file a corporate complaint and they won't take it. This supervisor Joe was super rude and didn't allow me to speak to someone higher than him... the worse customer experience ever.

TD Bank's customer service is LOUSY!!! Their employees are rude, not knowledgeable, and incompetent. The few at my local branch who were nice were fired because they weren't rude. If you have a choice, DO NOT do business with TD Bank! Their monthly statements don't get mailed until the middle of the following month, and customers don't receive them until the third week of the following month. This is unacceptable practice.

I began receiving worker's compensation checks from a major bank when I opened an account with TD Bank. If that isn't frustrating enough I didn't receive a check for a month before the Christmas holidays. Upon receiving a check the Saturday before Christmas I was elated! What slipped my mind was the process of accessing the full check once deposited. Having insufficient funds attempting to buy Christmas gifts, I called customer service and the woman was very understanding but said she could not see the picture of the check I deposited in order to compare the several previous checks I deposited throughout my time with TD Bank and so could do nothing for me except advise to go personally to the bank nearest me.

When I was a Commerce Bank customer, I was thrilled to death with everything about the banking services. Ever since TD bought them out everything has gotten worse and worse! At this point they have all out scammed me with a COMPLETELY bogus fee which caused my account to be overdrawn by a couple of dollars and they are trying to charge me yet another fee for the overdraft. To make it worse they are refusing to admit that their fee which causes the overdraft is bogus when I can clearly see that it is on their own website. All of their fees have continually gone up over the past 2 years and they find any way they can to charge you a fee. While the customer service folks in the banks themselves are very nice, the actual banking practices are downright horrible. I'm closing my accounts with them. Take my advice... Don't EVER bank with these thieves!!!

TD Bank is the worst with taking money from you for their fees. I pay $15.00 just because I want a statement mailed each month. They take $3.00 every time you withdraw from another bank. And worse... I was charged $3.00 for checking my account balance which I did not do. They say I must have "accidentally" hit the button to check balance. Of course refused to refund this. I have been charged overdraft fees because they hold on to checks and then put them in at 1 time. I agree ... credit unions this bank is GREEDY.

The bank openly re-orders transactions at the end of each day to maximize overdraft fees. One branch manager told me I was "abusing my account" for buying a cup of coffee at Starbucks, when in reality, they were putting the larger transactions earlier, making that cup of coffee cost over $35. Terrible customers service, terrible banking practices. Go with a credit union and don't look back!!

I tried to close an account. The phone representatives told me that I had to do it at the branch. I went to the branch. They told me my balance was $420 and pending transaction would come through at midnight that night. I withdraw the balance they told me was in the account. They told me I had to call the 800 number to close the account. I called the 800 number. They told me I had to go to the bank to close it. I went back to the branch again. They told me the same thing - call the 800 number. After they told me my account balance was $420 and I withdrew the next day, they said my account as -$4.00 so they did not close the account. The following week, EFT were submitted on what was a closed account. They are charging me overdraft fees on a close account.

Open your eyes. TD Bank is sending too much information to your personal email account, like your full name, the nickname of your checking account and the last 4 numbers of your checking account. These email alerts, for online paperless monthly banking statement, is a very dangerous idea. First, I log into TD Bank - Online Banking and select Statements under the Accounts tab. It is not possible to stop the alerts going to your personal email account, unless you switch back to monthly paper bank statement. Called TD Bank customer service and spoke to 2 customer representatives and 1 supervisor when I got the email alert for online monthly banking statement.

Thinking about opening an account with TD Bank? Think again. Wrote their corporate office and was ignored. Tried online to resolve problems and was referred to customer service and was cut off twice. (Assume for technical glitches as we never got into discussion of the complaint.) Finally went to branch to speak to manager who was insulting, aggressive and not helpful. On deposits of $700, they charged $175 in OD fees because they held a deposit days past the time it had cleared the issuing bank. What possible excuse can there be for holding a deposit which has cleared?

Home equity loan ballooned from $450 to $2,100 a month. Letters to Chairman Services have NEVER been answered. No one returns calls. TD bank should be reported to an investigative authority. They are the worst.

This bank is so robbing people. They hold your POS for a week in order to take $35 fee from you. They also have the worst customer service reps in the world!!! I will be opening an account at SunTrust here in FL. TD BANK is organized crime at its best!!!! They don't stick guns in your face, they rob you with the overdraft fees. This is why cash is still the best way to go. As if the corporate bank fat cats do not have enough money, they need to rob the average working person in this country!!!!

I am not currently with TD Bank but I was about a month ago. I lost my job to them after being with them 2 years. I don't know if you have left them yet or if you still have them. If you still have them, this information may help you. What it sounds like to me, just because I saw it happen all the time is that you may have a feature called "TD Debit Card Advance" on your account. If you are enrolled, you want to do is make sure this is changed to "Not Enrolled". Reason being is because that feature IS NOT OD protection. It's an OD COVERAGE.

I got bank draft from TD Bank that I already mailed to Ministry of Finance. Later for faster processing I paid Ministry of Finance online, and went to bank with bank draft receipt. Lady suppose to be manager or some authority told me that she will charge me ten dollars for canceling it or I have to get back draft from ministry and bring it, then they will not charge me ten dollar. Know my concern is not to save ten dollars. But look at this, 1- ministry has to send me draft back 2- to save me ten dollars.

First off, everybody is aware, the fees banks charge are outrageous and it should be illegal. I had a "simple" checking account with TD Bank that, when I opened it, promised: no minimum balance and no monthly service charge if I wrote no more than 3 checks per year, and chose online statements. I may have written one check on that account. And that would have been a temporary check because I never ordered or received any regular checks for that account. I either used a debit card or paid bills and shopped online so there was no need to write checks from that account. After about a year, all of a sudden, the rules changed and there's a $5.99 monthly fee if there isn't a $100.00 minimum balance.