TD Bank Reviews

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

I do not know where I begin in the nightmare that TD Bank is everything from the bank policies, the outdated web page and banking app to their customer service experience in branch operations and the customer service provided by the contact centers over the phone.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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.