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I have never experienced this kind of dysfunctionality with TD bank in Canada. I tried to reach them and establish a cash management service, basically enrol with the service of the Bank. I probably speak to half dozen members. Nothing happens for 4 months. Terrible experience. Contacting the branch, they told to contact the toll free number. Send email and did follow up. Probably spend 50 hours. nothing, nothing...frustrated. Never help you out anyway. Terrible experience.


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Overall TD has been reasonably good service wise but their policy of only allowing $100 of a Check to count toward A checking balance when I have over 20K in My linked savings account is a Joke; As I understand this is an overall One size fits All Policy but shows no Respect for longstanding Customers like Myself; Have to watch their service fees as well!


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There was Fraud on my account. Someone(s) Zelle themselves money from my account in the midst of making several purchases in other states but TD accused me of it and requiring I pay TD Bank the money that was stolen out of my account. TD Bank also submitted the money they want me to pay them on my credit report. I was also threatened by TD Bank that they have evidence I was a part of the fraud. However, that is impossible because I did not participate in any Fraud on my account. At the time this occurred, I was two weeks postpartum on an unpaid maternity leave and the fraud depleted me of my savings. I am finally seeking legal counsel. TD Bank has proven to be unsecure for my money and unhelpful when clear there is fraud on the account.


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Unbelievably poor service from long wait times on the phone. I have been a customer of TD for many years and over the last 5 years the wait time is beyond crazy. They keep saying they will fix it, but this service continues to get worse. Expect 1 -3 hour waiting times. This demonstrates a complete lack of respect or concern for their customer and the business that the customer chooses to bring this bank. Right across the board, this happens if you want to trade, ask general account questions or if you want to renew a credit card. I would recommend going to another bank, I am.


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My loan was to have have bills paid off. Per their approval for me to receive my loan. I was told they would be paid on 1/252022. They took almost a month to be paid and to this date of 2/22/22 one still has not been. Their excuse has been they sent checks and did not know where they went and are waiting to see if they get them back. I have been harassed by the vendors for payment. I also have been charged interest not only from the vendors but them also.


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They say we waited too long but the card is dated 06/28. Do not get a gift card from TD Bank. They will steal your money! If they don't care about a Downs child then they don't care about anyone! Beware of TD bank! Don't GET ROBBED!


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TD Bank has given me the worst experience I've EVER had banking. I signed up for a new account with TD bank where seemingly everything was fine. Apparently, it was not fine, they locked my account without EVER telling me they locked my account. I found out when I realized I never got my paycheck. I called them where they told me my account was locked and to unlock it I needed to go to a branch to fix it. The closest branch was 3.5 hours away. When I told them that they said they would submit a "form" for me... What is a form? They said the form can help me to MAYBE challenge the locked account.... okay? How long would this take? They had no idea. I still haven't gotten my money back. Tried to log in to my account and for some reason I can't. I need to call them. I'm soooo exhausted of my dealings with this bank and its been maybe 2 weeks since I had it. The worst customer service and most unknowledgeable reps in existence.


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My TD Bank Visa kept getting rejected for no apparent reason. I called customer service and asked why. A CS rep wanted to verify my identity by sending me a text message. I gave him 5 different phone numbers of which he accepted 0 because, he claimed, my account was less than 60-day old.


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TD blocks access to online investment options when investor profile isn’t updated. After trying to call them multiple times and holding the line for more than an hour each time, no one answers the call. So I can neither update my profile as no one answers the phone nor can I do my investments online. Their service is just atrocious.


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This bank acts like kids. They don't do something and when you complain, they LIE. I am not joking, they lie, and that is also a manager. Now in 3-months, I am trying written response and no one wants to give one. I think they can't find someone mature enough to give a response. Then these kids know that there is nothing anyone can do. Big and powerful. Just to respond to a concern, they don't want to after they have found that their manager lied. Office of the President started to listen and the person went on maternity leave and the bank that makes billion has no one to take over the concern. Keep it up TD Millbourne Mall, Edmonton, Alberta.


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This Bank has to have the worst customer service ever. I have bank with TD for 29 years and I can't even call the branch to speak with an advisor. I have tried to open a direct investing account and had to go in person twice and sign remotely because they overlooked signatures!!!!! Now, 2 weeks later and my account is not open and I can't find anyone to speak with. 27 minutes I was on hold last Friday and 23 minutes today. HORRIBLE. Will never use them for anything but a mortgage, and that may even change.


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I want to share my recent poor experience at TD Branch (Crowfoot, Calgary location) last January 4, 2022. We went there to pay lump sum payment to close our mortgage. It was supposed to be a milestone and an exciting experience for us. Instead, the opposite is true. Prior to closing our mortgage, the TD Mortgage hotline assured us that we won't be penalized for closing our mortgage early since our closing amount would be below the prepayment allowable limit. Surprisingly, we were penalized and therefore had to disappointedly write the cheque for this.


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Every time I try to access any registered funds it is a multi-week effort with hours spent on hold, even pre-pandemic. Right now I have been trying for 6 weeks to make a withdrawal from the kids RESP so they can pay their tuition. I was told that all the forms were in order and it would be 3 days to process... Here we are, 6 weeks later and as usual I am waiting on hold (so far over 140 minutes...). This happens almost every time I try to use the RESP funds. TD Bank - hello? It's my money and i would really like to get access to it!


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On Dec 9th a $569 debit was charged to my personal checking account that I did not recognized. Contacting TD telephone line and explaining to them that I've never given authorization to the particular merchant to withdraw any funds from my account. TD's answer was that they have no way of knowing or checking if I actually did or didn't give the authorization and all I can do is dispute the charge. This is a real concern because it means that anybody and everybody can use my account and process a payment without any inbuilt audit on TD's part. 


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Deposited a government check, put on hold, they told me it would take 6 business days to clear. What kind of a bank is this. Very dissatisfied customer. Called customer service, put you on hold for 20 minutes. No one would help..


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Currently my TD Savings account pays interest 0.01% annually and is very restrictive. PC Simplii Chequing account pays interest 0.05% annually and the only restriction is, it must be a personal account. In my opinion, this is a disgustingly blatant rip off. How is it that a chequing account pays 5 times the interest than a savings account??!! I have accounts with both and each month I now transfer ALL but $100 from my TD Savings to my PC Simplii Chequing. I do however like my TD self directed RIF investment account.


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Grew up with CU's. stayed with them for over 35 years. After I moved around for work a bit they would not talk to me. A wonderful lady at TD was shocked at this shabby treatment and set me up with an account right away. It's been over 10 years now and this bank - every branch - every representative, has treated me like family. I am an incredibly small account and they make me feel welcome and well advised at all times. I am slowly getting my financial life into a useful place and I trust TD to get me there.


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Deposited a check for 5,000 USD in my TD Bank account. Check is from Bank of America. They took the money from my BofA account and then, they tell me that the deposit is “on hold” for 6 days. Did the same with RBC and check was for double the amount and I had the money available in less than 24 hours. TD Bank, I have been a client for more than 10 years. What a disappointment. Closing all my accounts with TD Bank.


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This is the 3rd time I have been given one of their gift cards and it is closed. They are one of the very few bank cards these days that still charge monthly inactivity fees. Don't waste your time or money buying these cards. There are many others that once the cards are purchase, they do not charge any additional fees.


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TD Bank sent a promo to get me to sign up: "Earn $300: Open a new TD Beyond Checking account and have $2500 indirect deposit within 60 days. Checking offer is available to a new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria." I did not have a personal checking account. I did have a credit card, and apparently for them, credit card = checking account. I called customer support to complain. They are "customer facing". The judge and jury are not like that. They make their rulings and never bother to tell me the result. After 4 calls, expect a big bank to behave like a big bank: to keep their bonus, go back on their word, and all I get to do is lodge this complain on the web.


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I had called to inquired about removing something from my account that was hindering me every month. Nazam from Toronto department was understand, kind and informative. I really appreciate all the help he was able to help me with.


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My sister has submitted the PD when she was going away from Canada so I was able to help her to manage the account. We just found out someone mad a purchase on her credit card. It took me almost 2 hours to get whole of them. I have provided all my identifications to identify myself as her PD. The phone call was translated several times to different person and they could not do a forgery claim on her file. I told the lady the reason why i was her PD, the international calls cost more than the forgery claim. After I complained about it, they hesitated to give me the direct number to call for her claim. I do not understand why TD did not understand what PD stands for. How able people do lose capacity and are unable to claim for themselves? Their services are ridiculous. I started switching my business to another bank now.


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I received a promotional offer of $300 to open a new personal checking account around April of 2020. The requirement was to have a direct deposit and a balance of $2500 within 90 days which I complied with all. After the 90 days, I noticed that the fund was not into the account, I called the bank and the customer service told me that I had to wait for another 30 days. The 120 days passed without any response, I called and the customer service took the note for a manager to reply and no one ever did. I emailed several times, and each response was different. The last person I spoke to told me that the reason why I did not get the bonus was because I opened the account online, while the promotion was for local branch which was not true because I received a code that I had to enter to verify the account. Now, I am stuck with a personal account that requires a minimum balance of $2500 with a direct deposit in order to avoid monthly fees.


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The investigation team will always favor Amazon, and other companies, not you however you prove otherwise. I am so glad I close my account in the place. They have the awful customer service. The always will favor the companies. Don't go to this place.


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I don't recommend anyone to open account in here. They never pick customer service call, longest wait times. Illiterate customer service representative. Please try RBC or any other bank. They will keep you wait forever.


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I have not been a customer of TD bank in over a decade as I moved to a different part of the country. Somehow, my identity was stolen from their database last month. This was violating and disruptive to my busy life. They have awful customer service and no support for victims of identity theft. I waited on hold for an hour and a half, told there was no update to my case and no further information that could be provided. There was no timeframe when they could provide an update, no system for tracking or communicating resolutions or updates. The experience with their customer service and the level of attention and concern to victims of their own database breach is absolutely deplorable. I would advise never doing business with this company.


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I went into TD bank to withdraw $9000.00 and was told that they had to do a car to the IRS even though the law is 10,000.00 and I've had 30 years of business banking with TD bank with large direct deposits and have not taken out large amounts of money. With no cash deposits, I felt really pissed that I should get any flag on my SS# for something that I'm entitled to. So I went back into the bank and found out they weren't treating me **, they treat all their business accounts ** by having a limit to report of 8000.00 dollars. So who are they going above and beyond for? Me or someone else. You judge.


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I called TD Bank customer service to increase my daily debit limit and automatic system verified my identity after taking like 17 minute and system put me on hold for around 20 minute and customer service came and she start verifying me. Asking me all the questions my name, my address, company name, bank account transactions even though she texted me on my cell phone that code and after all that she spent 45 minutes and told me I am not verified, I mean really this is so ridiculous. This TD the crap bank the worst bank in my life. I never ever go back to them and I’m going to close all my accounts because this is too much. It’s so annoying, so ridiculous and shame on TD Bank. What they’re doing to their business customer giving them a hard time for no reason after even verified all the identity. This is ridiculous. Shame on TD Bank and go to hell TD Bank.


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Ismail ** from Parsippany NJ branch was an excellent Store Manager and assisted us with our needs ASAP and with full efficiency. Service given within no time wasting and 100% efforts are put in. Very dedicated staff member. Great Job- Thank You Mr. Ismail


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I initiated a claim for $16,000 dollars on my business account on July 23rd, a few days later I cancelled the claim as we realized that the charges were valid. TD bank said they could not cancel the claim and to deal with the merchant. The funds were taken out of the merchant's account and I then paid the merchant $16,000 dollars in the form of a wire transfer. TD Bank was supposed to credit my account back by August 28th as they have the funds from the merchant. We can’t get an answer from the claims department and customer service or the branch are unable to help. We need our money credited to our account ASAP as we have now essentially paid the merchant twice. The lack of communication is unacceptable and needs to be fixed.


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I have had an ongoing situation with this bank since Feb 2021 when my account was hacked and $900 was withdrawn from my account. The bank kept insisting I authorized the transaction which I did not. I only got a review after multiple attempts to contact the bank. Nobody ever called me to ask for my version of the story. I only got partial resolution after filing a claim the Federal Consumer Protection Bureau. I had this account for over 30 years. I have closed it and will continue to post bad reviews for this bank until I get a resolution to the situation.


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TD Mortgage Centre renewed my mortgage wrongly without my permission in May 2021. I have been calling TD branch every week since then. They replied me that it is mortgage centre's glitch and they will fix it. I have been waiting from week to week and month to month, TD mortgage centre still charge me wrongly. They made me suffering by the mistake they made! It is an absurd experience to deal with TD Mortgage with their poor service.


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I was considering TD Bank one of the biggest banks in US, till I realized that TD Bank has limited licenses for many activities. Never use TD Bank for an international transaction or to transfer money to another country. The exchange rates of this bank are astronomical and they even don't disclose to you that they are using third party for it. They charged me more than 5% for the exchange transaction plus $50 wire fees. You can transfer for less than 1% with any other banks and the wire transfer fees could be low as $15. I would never recommend TD Bank to anybody.


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This bank does NOT require in person identification to open an account and someone opened an account online in my name. I came home to an open checking account and bank card? What kind of bank does that? Any joe schmoe can just use someone's identity to get what they want over the internet if banks are going to make it that easy.


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My paychecks are drawn off of TD Bank. However they still CHARGE $10 to cash a payroll check. I decided to open an account without the option of over draft. Well guess what they still charge for that as well!! It’s like TD Bank has the most astronomical fees out there and it is not fair that someone should NOT have control over THEIR account. They actually WANT to charge people so that they can continue to make millions of dollars off of people a year!! It’s an absolute disgrace!! I do not recommend this bank.


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TD Bank Supervisor HUNG UP on me when I was requesting info and wanted a credit and location of their bank. DO NOT DEAL with these SCAMMERS! Close accounts! WORST BANK I've dealt with. Been customer for 20 years! Charged excessive fees for just ATM balance inquiries!


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I had over $60,000 in identity theft with fraudulent signatures on my Commerce Bank Checks. I had the authorities involved, 3 police departments and the Burlington County Courthouse. The representative that I met with at TD Bank didn't want to speak to the authorities to validate my loss, but instead, said that they would do their own investigation. I will not disclose the person I met with, but at that point, I knew that TD Bank was not going to help me. While the theft was occurring Commerce changed over to TD Bank. The person that committed those crimes went to jail, but I got no restitution. This TD bank is not for the consumer, only for themselves to make sure they don't lose a dime of their money. I will never bank or recommend TD Bank to anyone.


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I was stuck in a ditch in another city with a hold on my mobile deposit, when I called I was told that I’m not eligible for my money, another day another rep told me that it’s a daily update that allows them to make releases, when I asked what changed from this week and a week ago when I had to call for the same thing and it was approved, the answer I basically got was because, "Legally we can hold it so we say so…." FYI people. TD can deny without cause, and leave you stranded in a ditch, literally. And if you ever get Chrissy or Conner better to just hang up and save the embarrassment of them talking to you like you stole your own money. Oh and another interesting fact, I’ve been receiving both mobile and direct deposits for months regularly, so why would they say they now need to verify my employers again??? No one should feel like a criminal for their own money. Just saying.... shady business.


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They had one person help people. Waiting over 2 hours. They had one lady helping out for customers. She didn’t know what they were doing. A man didn’t sign in and they allowed all these people who clearly came after him to go ahead of him.


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I have had possibly the worst customer service experience with this TD Bank card. I recently moved from Philadelphia to Rochester and transferred my address. TD Credit card responded by freezing my card until I could verify my identity. They did not notify me of this; my card was simply declined 7 days after I had moved. I called TD credit card customer service, who provided me with an actual address for a TD bank location in Rochester... which closed five years ago. I then called back, and was told I had to verify my identity with 2 forms of ID. I was told to fax them over to a number (the supervisor, Preston, was unsure which ID would fit that requirement, however). 


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Filled out the info requested, which was at the tip of my fingers and got the loan on-time. Moreover, questions were very easy to understand and the representative followed up as was expected. Thank you very much.


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I have been a TD bank customer for years. Had checking, saving and credit card with them. I got an alert from my credit that there was a closed account on my Credit card. I called and they stated I haven't used my card in a while so they closed it. This Credit Card was one of my longest cards I have that helped my credit. Now my credit is in bad shape due to TD shutting my card for no reason. They even declined me for a new card because the length of time with cards. Well thank you TD. I just left the TD Bank with all my money. I closed every account I had with them.


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Please beware TD fit loan are 100% profiling customers. I feel horrible having to write this but it happened. Customer service the worst I've experience. I hope no one has to go through what I had to. I was laughed at and called names. All I was doing is asking for an explanation why they were so rude about the situation.


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Do not put your hard earned money into this bank or suffer fees upon fees upon fees. I use to think Bank of America was bad and left for TD, but soon realized that TD is worse. If they don't get enough interest from your balance, they make up for it in fees. Fees for 'MAINTENANCE FEE ' as they say, among others. I guess the computer system needed a raise to do its automated work. Or maybe it goes to an employee for having to press a button now and then. TD Bank is late on postings and deposits, as well. Save yourself a lot of agony and put your money into a credit union or just keep it in your mattress.


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Due to TD overprotective automated anti-fraud measure, my trip to my home-country turned into stressful and frustrating experience. Upon arrival my card was locked. I couldn’t reach customer service by phone because it seems like mission impossible from here. When I used e-mail, I only received a dry official response with phone numbers again which was a dead end for me. Contacting via messenger was a little more successful. I am very grateful to the person who assisted me for the first time, she went out of her way making sure TD manager call me back to my local phone number, and they did and my card was finally unblocked but only for 2 weeks, and my vacation is more than two weeks. 


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TD Bank’s Mortgage Department has the most unprofessional Underwriters. Their Underwriters are unorganized and are very poor at managing the information they collect. They repeatedly lost submissions and require multiple copies. They are not responsive and very poor communicators. I was very disappointed and wrote to the Office of the Chairman who requested their Underwriters to “re-engage” only to again ask for copies of previously submitted documents. I was told from one of their Mortgage Brokers that they are unorganized, poorly trained and have high turnover. Watch out and I highly recommend that you go elsewhere.


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I called TD for help with my TD visa. They asked me 2 questions, I answered both yet they said that they were unable to verify me after that and that I had to download their mobile app to be verified that way. I said to the agent that I had access to my PC online banking but she said that that was not sufficient. Seriously!?!? TD can't verify my identity if I can answer any of their questions to do with my banking. Instead they literally FORCE ME to download their mobile app and jump through nonsensical hoops just to ask a question. Well, I am cancelling all my credit cards with TD and move all my investments to one of the other Canadian banks. So well done TD, you just lost yourself another customer for no good reason at all. This is not a matter of security, this is TD forcing me to use their app. Whoever is in charge of that marketing scheme should be fired.


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Their system is outdated with no live update on the phone compared to Chase, their overdraft fees is ridiculous and abusive. There nothing good about this bank other than than their TD Ameritrade. Really horrible and desperate to charge you any fee possible.


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After the abysmal experience I had with TD's fraud prevention, I feel obligated to warn others. I had my checking and savings accounts with TD for 3 years with no issues--the online banking and long office hours were convenient, and I never encountered any issues. So if no one steals your card number, TD is totally fine. But I personally will not be taking that chance again. 


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My experience with this bank has been consistently terrible and it ended with being sued for 1400. They accepted my minimum payments but I guess the money was not acceptable after the pandemic started. So instead of placing the account in normal collections where I could ask for a settlement and pay it off. They decided to sue in court, taking valuable time, money and resources away from taxpayers. I should have read other consumer reviews before dealing with this company. My mistake, do not let it be yours. If you are a veteran, do not deal with this company. They have billions of dollars in revenue but they will still squeeze a dime out of someone who has honorably served their country.


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The TD BANK does not act in accordance with privacy laws. They are known to hold private meetings with a client with their doors wide open and speak loudly so other clients may listen. There are many inaccuracies in their statements. The bank tellers are inexperienced with little or no wisdom in client management which makes them uninformed and rigid, albeit well-intended.


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This Bank is supporting scammers. User of their bank 3D verified transaction, we shipped product for over 800 USD. User told that product was wrong, which was a lie, we presented evidence and bank decided user won dispute. We lost 800 USD product and the money. We suspect card was stolen, and user used misleading reason to win the dispute. How this bank allowed that. That is a crime!


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My cousin and I went to TD bank for the first time in Feasterville, Buck County and we went in to meet the person in charge. My cousin explains our situation and want to open a joint account. He said, No problem. He took care of all the things need to open the account. Beautiful job he did with us. We highly recommend this bank.


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After a representative made a mistake verifying my account I have been told by TD that the only way I can have access to my money is by flying to Canada (I am based on the UK), stay in a quarantine hotel and verify my ID in a branch; all in the middle of a pandemic. I understand that they are trying to make sure that it’s secure, but how about a virtual verification system.


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I opened a business checking account shortly after TD bank opened in NJ. I was drawn to TD because of their hours of operation. I now know it was a mistake. TD constantly finds ways to interfere with me and my business. The online deposit software rejects handwritten checks that WF easily accepts. It is difficult, if not impossible to transfer funds. Recently TD invoked two step verification to sign on, without my permission or knowledge. I had cancelled my landline, but couldn’t sign on to update my settings. It took two separate trips to my local branch to get this straight. Lastly, I tried to transfer funds, online, yo my checking at WF. I received a confirmation email from TD that the transfer had been made. Later, I received an email stating the transfer was cancelled due to a lack of account number. Stay away from TD!


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TD Bank cancelled my 2.75% fixed rate loan 3 days before the closing and said that they could only offer me a 3% loan. They didn't want to give me this rate because rates were rising quickly. I had no choice. The senior bank executive promised me some restitution including money back at closing as none of this was my fault. They blamed Fannie and Freddie. Not only did they not do this, they did not return multiple phone calls, texts or e-mails after the closing. The experience BEFORE this was also atrocious. It was by far and away the most difficult, gut wrenching experience that I have ever had with any vendor (spans over 50 years). I wouldn't recommend TD bank to my worst enemy. I have subsequently heard many people in the real estate industry say similar things about the horrible service you get from TD bank. Use them at your own peril.


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I have CIBC, TD and Meridian. My experience with CIBC is flawless with chequings, online banking and mortgages. Requesting basic information from CIBC -> Minutes to get response. Requesting this basic info from TD -> Hours and moved through 6 different people. This is TD in Winnipeg and Saskatchewan that I am evaluating. It needs to step up the game significantly. Also my accounts are not even LINKED together.


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I've been with TD for 15 years, I've had a handful of bad experiences with them, including a time when they took over $100 from my account without an explanation and only reimbursed $70, claiming they were doing so out of courtesy. I was planning on switching banks but when a Doordash employee committed fraud with my card, they caught it and blocked my card... So I decided to stay but a few months ago, I was scammed by a seller. 


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I just need to vent about how awful this bank is. I don't advise traveling with TD Bank because your card will be declined a lot and you'll get stuck in situations that are scary. In fact don't even open an account with them. This is coming from someone who has a credit card and debit card with them. Even going to an ATM to have cash on hand, you will get blocked. There were so many close calls for me missing work, missing my flights, going hungry. When you call they insinuate that you're lying and that your card is "active and ready to use". Then when you go through these long drawn verification processes they still don't know why you're being blocked. They have to investigate and it takes days to do so. By far the worst bank I've ever had the displeasure of banking with. I'm happy to say that I'm closing all my accounts with TD Bank today. Rant Over.


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Not a very free flowing, user friendly process no matter what function you try to perform. Even basic functions seem to have quirks regardless of how (irritating) small, and when I write to express a concern, the response is usually a rather auto-generic one even if it's sent by a human. It's time to move on to another bank that actually cares!


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I have had fraud on my account 3 times!! March 16 was the worst!! The worst customer service ever!! We were sent a email to congratulating me on my new account in a text!!! We never did such a thing!! It's been a living nightmare!!! We have been on the phone since March 17 and to the bank!! Treated like we were the criminals! Went there today March 30 after getting protection for everything!! Went online. The amount of money incorrect was very upsetting!! Went back to the Wantagh branch. Spoke to Vice president store manager. Rude, nasty, no compassion!! I told him I leaving this bank. Like a big shot he told me, "You want me to write you a check!!!" I getting out of there as fast as I can!! Stay away unless you like fraud!!!


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I was personally a customer for many years, but after they totally messed up a funds transfer in 2015, I closed my own accounts. My parents kept their accounts and when they passed, I was put through so many hurdles to just get a single checking account working for first my Mom after Dad's death and then, most recently, set up for the estate to pay final bills. The staff seems to be unable to work the internal systems and something always goes wrong.


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I recently discovered that I have an open TD account, but that I haven't used in 10 years. Someone is now submitting an un authorized debt. I called TD and said disputed the charge but was told that the charge came through PayPal, so they consider it valid. I then asked to close the account out. I was told I'd have to visit a branch in person. There aren't any branches in my current state. Then TD said that I'd accrued overdraft fees from the PayPal transaction. TD said I'd have to pay the fee before the account can be closed. But they won't accept payment over the phone! So, I have no ability to stop the charges from coming through even if I don't authorize the charge. There is no branch to visit and no help over the phone... Certainly NOT convenient!


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If I can give them 0 stars I would. On March 9, 2021 I went into the TD bank branch in Hollywood Florida to open an account. The bank employee Jeanine or Jeannette misspelled my name even though I gave her THREE items with my correct name. Her misspelling my name caused them to put a freeze on my account because the very large government check I asked her to deposit had my correct name. This caused them to flag the check as stolen and froze my account. Now I have to wait 24-48 hours for them to reinstate my account and an extra 7 business days for them to clear my check. This is so inconvenient on so many levels. That is the only money I have until next Friday and now I am without. I have small children and really needed my money. After my check clears I am closing my account and banking elsewhere.


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I have been with CANADA TRUST for 30 years. I found TD Canada Trust bank to be a scam. BE AWARE. About two months ago I open a new account using their online process. They scanned my passport, took picture of my face, and approved the opening the new account. I received welcome emails with invitation to start using the new account. As well TD provide me access to my account via EasyWeb. In their welcome email they wrote that within 5 working days I will receive a debit card which NEVER arrived. During the first 2 months I managed to login to EasyWeb with no issue until one day I login failed. Communicating with representatives of the bank via messenger, emails and phones to find out why I cannot login to my account and why I did NOT receive my debit card were useless. 


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This bank will find ways to scam you out of your money. I transferred money from my savings to my checking account. They put it to my visa at the same time I transferred money from my checking account to my visa. They said I must have accidentally put the first transfer to my visa (I did not). Then while talking with them to correct it they told me that it would now be a cash advance which means they are going to charge me huge interest (THEFT!) to put it into the account I originally wanted. 


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Every week for the last 6 months I have deposited my weekly payment from the same company But since the last month, TD has frozen each check deposit, check deposits through ATM, where the deposit receipt clearly says that I have X amount until the check clears, they are canceled. 3 times I have contacted the fraud department, explaining that the check comes from the same company, the same amount and the same dates. However his answer is always the same. We don't know why this happens. How can it be that "not knowing" is the response of a bank to its client. So you know, if you don't want to go through this problem that can happen at any time, stay away from TD bank.


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I have been trying to get my Annual Statement for the Mutual Fund for the past two weeks. Called them 8 times. Every time they kept me on-hold for 2 hours and then hung up the phone. At this point I have been on hold for 8 times * 2 hours = 16 hours. Still wasn't able to speak with a representative. I communicated with them via email; they kept copying and pasting the same response instead of providing me a solution. I need my Mutual Fund Statement for my tax purpose, the deadline is looming, but because of TD Investment Service, I cannot complete my Tax file.


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I contacted a TD Bank mortgage loan officer in early October 2020 to refinance my mortgage. He assured me they could close my loan in six weeks. I submitted all requested information on October 9th. I heard nothing for several weeks. My loan officer did not return phone calls. When I finally reached him, all he could tell me was that my loan was in processing. In late November, I began to receive emails from at least three different people in processing asking for various documents, most of which had already been provided. They indicated my closing would take place at the end of December. I wrote an email to the loan officer, the main processor, and both of their supervisors asking for an explanation of why my closing was delayed. I got a snide voicemail from the loan officer saying his boss had told him to call me, so he was calling me. I returned his call two hours later but had to leave a voicemail. I have not heard back from him since.


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They steal your money. The claims department is a joke. I had money stolen from a Nigerian company and the claims department said it was me!! Scam of a bank!! There are better banks out that! Do not use TD Bank!


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I been calling them about some transfer from my RSP account to direct investment account, been waiting on the for 2 hours then they keep telling to wait on the line and hanging up on me, then I keep trying again again. As soon as they answer they will hang up on me. Worse bank is TD.


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For several year's it's been a tremendous problem for TD Bank to admit they have received my homeowners insurance, as a result they want to charge me 6000. Every year I submit my homeowners. They say They never received it. Tack on 6000 and say we can't fix it. I was hung up on when trying to call their customer service. After depositing my payment they then say they couldn't post it to my account. After waiting in hold for an hour, I was told my account was corrected. But when paying my mortgage the following month only to find out nothing was taken care of as promised. Even though I have receipts that they had received my proof of insurance. I even in the months prior bill mailed in a copy of my insurance with my payment. Now they say, "Yeah, we shouldn't have charged you but we can't fix it"??? Stay far away from them. They lie, leave you on hold and are terrible when handling problems they create.


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I am selling my home to a buyer using TD Bank for their mortgage. The sales contract was executed in late October with a closing date scheduled for 01/14/2021.  The buyer was approved and received a mortgage commitment. The day we were to close, their underwriting department requested proof of employment ... I repeat, the day we were to close!! Not a week before, but the day of the scheduled close. 


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I was a bank teller years ago and was always very friendly to the customers. I'm assuming it must be a horrible job these days. Often the tellers in the Egg Harbor Twp location on English Creek Avenue are very miserable. Someone needs to advise them they are in a "customer service" position. I am a kind and easy person to deal with, so no need for the negative dispositions.


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What they do is dishonest, by making up charges, telling you that they will get rid of them, and then changing their minds. Pointing out their mistakes makes them mad. Customer is not right in this bank. What's worse is the feeling that you are not a human but credit to be pilfered through deceit. Avoid them if you can; your balance and emotions will thank you in the long run.


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I banked with TD for 6 years. The app is not user-friendly and the overdraft fees are crazy. There is only 1 bank in my city and it is located on the other side of town so I relied mostly on online banking. Which logged me out every 5 min so it was hard to get anything done. The customer service was average, it was just hard to get connected with a human and not a FAQ bot. Honestly, it was a hassle to do anything with TD. I opened a credit card with Capital One last year and saw that banking didn't have to be stressful. 


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I have been with TD CANADA TRUST for 20 years. About one year ago they changed. They have become arrogant, dishonest and unhelpful. They treat you as a number not as a person. And they take zero responsibility when they make a mistake.


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I had a bed financed through Home Inspiration. I owed $5500.00, it was nice that the interest rate was 0% for 72 months or something like that... That was the only good thing. I was informed of who my loan was with and attempted many times to make an online account (make it easy to manage my account). The company locked my account so I could not make an online account, I had to contact and speak to customer service to set up the online account...fair enough. 


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I deposited a 334,500$ check on Jan. 6, 1921 and they told me today, on Jan. 8, 2021, that the money will only be available in 10 business days. I can see in the account where the check was drawn that the amount is debited and no longer available. In essence, they hold my money and pay their dividends with it. This is beyond outrageous and this bank no longer deserves my business. But I have to wait 10 business days before I can close my account. AVOID THIS SCAM ORGANIZATION!


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Phone Customer Service waiting times experienced greater than 30 minutes even before the Pandemic. Email assistance is appalling... They answer with scripted messages with lack of sensitivity towards your concern, and proceed to refer you to the branch. Equity line of credit does not have the capability of online statements. They are mailed. I have had a couple of statements lost in the mail. Called to have them only print last 4 numbers of my account on my statements and they indicated it cannot be done. Last call after waiting more than 30 minutes I was told to get a PO BOX at the cost of $30/month. NOT THE PEOPLE'S BANK.


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I have a TD Visa card which I have had for many years. I login to my account every month using the Firefox browser to pay my bill online. I can no longer access my TD account using the Firefox browser, since they decided not to no longer support this browser. The customer department told me to use Google Chrome. They should not dictate to me which browser I should use. I only charge about $15,000 a year and always pay off my balance, so they do not care if I stop using my TD Visa. They obviously do not care about me a customer.


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Extremely inconvenient bank, even when other banks have their lobbies open TD's remain closed, understaffed at the drive through windows, ridiculous wait times in the drive through, can't even get an appointment because the lobby is closed. Corporate office in Delaware has a voicemail, offers to take a message but does not allow you to record a message, just keeps repeating the message that you can leave one although you truly can not, I tried. They have a website you can schedule service with. I've been told for 3 hours that there is one customer ahead of me. **. I finally got disgusted and tried calling 888-751-9000, spoke to a lovely person, but overall the service of this establishment during COVID has been truly awful as compared to other banking institutions that friends and family deal with. Seriously considering moving my savings and checking accounts soon. If it were not such as hassle I would have by now.


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Bank info and account balance is leaked to public. Good service. No security. High risk. Good service. Leaks private information. No trustworthy employees. Racist employees. Smug. They are selling money. Still act like owners of livelihood. Depends on your area. Rude and intrusive. Depends on your region. Head office is great. Local level employees are discussion private matters publicly. Disallow them to control you. Overall a great bank with naive and untrustworthy employees. They hire anybody.


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Ok this is the worst bank that I have ever used, I “think” they are stealing from me but I can’t prove it because I would have to write everything I do down but I always know what’s in my account because I know their antics with the overdraft fees. I always have money missing from my account and they say that it’s overdraft fees that I owe but I don’t have overdraft protection meaning they are not supposed to go over the amount I have in my account. So every week I get DOL unemployment deposited into my account and every week there is a small chunk of money missing.. sometimes it’s a few dollars but this time it was 21 dollars.


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Hello, My application for my personal TD secured credit card limit increase has been declined after several weeks back and forth. It is so ridiculous that TD Canada Trust decided to decline my application because initially, when I applied for a secured credit card, the credit card specialist told me that I can increase my credit card limit whenever I want as long as I put the necessary fund to the savings account opened for my secured credit card. However, the last specialist working on my secured credit card limit increase application has just told me that this information given me from another specialist is not accurate and now I should wait for another six months to apply again. I mean the whole process is like a big joke.


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Just one of the many many problems I've had. A bill comes in at 2:00 a.m. I put cash in to pay for it at 4:00 a.m. and they charge me an overdraft fee which I have to get taken off by calling that explaining it. Then after on the phone with them on hold or speaking to a representative they'll take it off but they keep repeating it. I've had another problem with them where was missing $60 and they can't explain to me how my account went into the negative when all my withdrawals were debit withdrawals where I couldn't draw out more money that was in there. One time they repaid me, the other time they couldn't explain it to me and didn't repay me. 


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Very unpleasant encounter today. Just because I am a non account holder depositing fund to a TD account holder, I received the rudest service in this TD main branch at 700 West Georgia St, Vancouver BC. The branch manager is a very rude lady and her staff doesn’t know the stuff well. I was depositing a bank draft for my manager at TD bank at this branch. The guy saw the name and asked me, "You are not XYZ right?" Because my manager has a male name and obviously I am a lady. So he told me there’s a hold on the bank draft. It’s not a cheque you know? It’s a bank draft. I asked him to double check with his manager just to confirm. As far as I know, bank draft is as good as cash.


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TD is the only bank which sell life insurance instead of credit insurance. Business owners have to pay for credit protection premiums even if they don't carry any balance. They also claim to pay claim even if there is no balance at time of death. Basically bank is selling life insurance in its branches and sales persons are not even licensed to sell life insurance. No idea how they are able to fool the regulators.


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If your bill is due on a weekend and you pay it on the very day it is due be it a Saturday or Sunday beware. I warn you they will charge a late fee automatically causing the consumer to worry and to search for a number to a call center. At which point their phone system does not give you a option to speak with an actual person but, I can tell you pressing 0 will get you someone. Today I reached a girl named Kaitlyn in South Carolina who told me after weekend they automatically take the late fee off. She also told me there was not one person I could tell  about the system flaws. 


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I have been with this bank for a few years and this year it’s been Nothing but problems. I have dd to my accounts, and I had a refund that was pending and I checked today and my refund suddenly disappeared from my account history and my DD is nowhere to be found. They have also kept removing and reposting an auto payment every day for 2 weeks which kept causing my account to be overdrawn and charging me an over draft fee, 14 times!!! Tampering with an account is against so many federal banking laws that I can’t believe I am watching TD bank mess with my account. I can prove that the auto dd was sent out on a specific date and should have posted to my account the very next day. It’s been 4 days.. where is my deposit? And where did the refund go to? It showed as pending and today it’s gone?!?! I am closing out my account as soon as these deposits show up. And I will be putting in a call to the attorney general and the FTC.


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If I can lay down the facts and timing of events below as well as the developments subsequent to my complaint emailed to TD Bank: 10/7/2020 - I opened the TD Bank account. 10/7/2020 - my husband's direct deposit went to TD Bank. 10/7 to 10/8/2020 - I took the money from TD Bank. 10/14/2020 - my husband's second weekly direct deposit went to TD Bank; On the same day, I attempted to take the money from my account to pay our bills that are due. Unfortunately, I was not able to get the money.


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If you deny overdraft protection, they will probably give it to you again in a few years. Why is this dangerous? I think TD changes customer statuses on accounts and puts them into trouble. I went to 7-11 for a 69 cent soda. Got charged $35. Went a few minutes to pay for parking for $2..charged $35 by td bank. $315 charges in 1 day. If you want to make me happy, my Twitter handle is **.


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I was scammed on a purchase that I made with my credit card. (Vendor was from China and never delivered the merchandise...) I have nothing to show for a charge on my card. My credit card company is not going to bat and is as bad as the company that I am dealing with. They have been horrible to deal with and simply read a script. I will cut up my card and never use it again. DO NOT get a TD Bank Credit card and do not use the one that you have for any purchases. As a customer they will Not support you in a dispute.


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I purchased a phone through Samsung. I returned it to Samsung and they told me I would get a full refund. They left a 12.31 balance for the monthly protection that I don't owe. I never activated the phone. I can't get TD to remove it and they have caused my credit score to drop 125 points.


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I made a mobile deposit for a check made out to me on Oct 4 for $200. On the Oct 7 the bank froze and closed my account. The Bank opened up and approved a account for me online. After they never honored the check for the mobile deposit. I had a balance of $193.00. They said I had a account back in 2016? They said they were keeping the money and closing the account. How does a bank open a new account, if you owe them money? They should have told me to pay my negative balance on that old account before letting me open a new account. This is unfair specially when I was going food shopping with that money. During a pandemic really? Wow this company is the worst.


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TD Bank recently changed their transfer process, so now each transfer transaction has to originate from TD Bank into whichever account the customer has linked to their TD account. These transfers are riddled with problems that result in the funds NOT transferring into the customer's requested account. Further, they 'hijack' the funds for an additional 3 weeks before crediting the funds back into the account. Not only that, the customer service rep will mislead and provide false information about when those missing funds will be credited back.


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I do not know how many operators TD Bank has, but all numbers are pointing to the same call center and I have been listening to music for more than 6 hours now, not being able to get hold of a person. Unbelievable. I guess that is the last Samsung device I financed.


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TD  Bank puts advertisements that you will get a bonus if you open an account with them but it is a fraud. I clicked on one such advertisement to open an account and made clear I opened the account because of the promised bonus. I continuously requested the status of the bonus and was told it had to be over X number of days. After X number of days they then claim that I "Didn't click the right link" in order to qualify for the bonus. Why would they put two links on an advertisement for the bonus but to try to intentionally defraud people who are signing up based upon the promised bonus. This is fraud and someone should sue them in a class action lawsuit as I'm sure I'm not the only one who was defrauded by this bank.


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I have been a customer of TD Bank for well over a decade and I have to say the customer service has gone downhill. The bank itself in general has gone downhill. $2 a month maintenance fees, I don't earn any interest for the money that I put in the account, since the pandemic has started wait times on the phone exceed an hour. Wait times to do any banking in person you have to schedule an appointment and it takes forever. Everything is booked up, (don't get me wrong I understand it's a pandemic but this isn't your local credit union this is a large predominant Bank), I've been trying to close the account now for about 2 weeks and the Hoops I've had to jump through and the Constance Circle jerking that I've dealt with and the account still isn't closed. 


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Several months ago I had an overdraft agreement removed from my account because TD Bank was allowing every transaction to go through even though I did not have the funds in the account as I was unemployed and after several overdraft which should have not been accepted, my account went over $800 into overdraft and almost $1000 were charged by TD bank in overdraft fees!! 


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Always problem to cash out the checks. Same as Wells Fargo that I closed long time ago. My credit score is 830 and I got rejected for Samsung financing that I wanted just because of the replacement option. If you are unable to get financed with perfect credit what is that bank for there. Thank you very much and TD Bank will never be my or any of my friends choice.


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The worst bank on planet earth. Please do not bank with TD Bank. Customers service sucks. After depositing a check into my checking account that had my name on it and information due to Covid 19 there were technical issues and TD Bank accused me of depositing a fraudulent check. I got the problem solved only to go back to TD and they closed my account. The customer service was horrible.


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Called for customer care service. Representative said he doesn't care and hung up before replying. Sent Secure Message to TD Bank. Reply was boilerplate "thanks for being a customer." When replying to boilerplate, TD online simply terminated the session. Logged on again, tried again, and TD terminated session again. Logged on, wrote a new Secure Message and referred to prior Secure Message, and TD terminated session again. What I learned is that TD Bank does not read Secure Messages. Good to know for the future.... And neither do they read email or help via phone. And, of course, we already know customer service is poor and disrespectful.


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TD Bank makes banking a pleasant experience. Their app and website make checking balances and paying bills a breeze. Customer service whether at the bank or on the phone is a pleasure with polite, knowledgeable staff. I highly recommend this bank!


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I like the customer service I get at my local branch. Recently, the chip stopped working on my debit card. Since it is drive-up only at this time, the teller told me he'd get a new one made right away and to pull around the corner and he would bring it out to me. It was great service!


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I opened an savings account back in March to save money to go on vacation. My sister now needs heart surgery for a bad valve so I closed a 401k account I had with an employer who closed the plant and had the money directly deposited into my savings account so I could help her with bills. I then opened a checking account, with the thought of transferring most of the money there to make it easier to pay bills. I guess that was a mistake! They immediately froze both accounts telling me they could not verify who made the deposit and I needed to talk to their fraud department, even though this made no sense to me. I waited, the first time, 20 minutes only to have them hang up on me. I went to the drive thru and talked to some woman who asked me who deposited the money then told me she would call me back as soon as she heard something. 


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I am extremely satisfied with TD Bank; their customer service is fantastic. My account was hacked a couple of years ago and they swiftly and professionally handled the incident. I couldn't have asked for better service with that incident as well as any other of my banking needs.


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TD Bank is very friendly, very good customer service. Good bank, easy to communicate and speak with a real person not like other banks. I recommend highly to open an account with TD Bank. It’s fun bank.


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Promises cross border banking but after months, still can't get their system to work. Customer service is nonexistent. Not very bright branch managers in US. Worst CD rates in our area. Will probably change banks soon.


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When we moved to Pennsylvania nearly twenty years ago, family recommended TD Bank. I barely qualified as a senior citizen. Over the years, I have had a great relationship with them. They have been working with me when times were difficult. They offered great services. In this difficult time when it's hard for everyone, they are still there for me. TD is a good place to bank for senior citizens, as I am sure it is for others.


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If you want to lose almost 6 million dollars in 51 days and you don't want any consideration due to your gender or race when you apply for an SBA loan then, use TD Bank. TD Bank has been one of the worst experiences of my life.. my loan was foreclosed before it was even closed. And 51 days my loan went into foreclosure. TD Bank and Golden Corral worked as a team to swindle my money. I would never recommend.


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I was told that if I opened a secured card and kept it in good standings for two years that I’d get my $500 dollars back and my card would be unsecured. 7 years later with a balance of ZERO, along with keeping my card in GREAT standings, TD will not give me my $500 back unless I close the account and reapply. I have good maturity on this account and don’t want to lose the years of credit history. TD makes decisions based on your credit history across the board with accounts not affiliated with them. That’s an overreach. Mind your business TD! I PAID MY BILLS ON TIME WITH YOU. Take take take... TD YOU'RE THE WORST!!!


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Within the first 2 months of having the account, I had to go to the bank about 10 times, waiting a few hours each time, for them to resolve issues that were no fault of my own. Purchases will not show up in your account for many days at a time, and the company never misses a chance to charge you a fee. High-end checking accounts offer virtually nothing (or very nominal "bonuses"). I missed out on an IRA rate I wanted because the bank misplaced the check for a whole month and only an IRA that had a 3% lower rate was available when they found it.


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I have been with TD Bank for over 25 years. The convenient hours make a big difference-including being open on Sundays. The tellers are very courteous and friendly when I do go to the actual bank (right now using the drive through). However, I do most of my banking online. The app is very user friendly. All in all I find TD Bank meets my banking needs and am very satisfied.


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We use TD for our savings account and for checking. The folks at our local TD Bank are always pleasant and helpful and they know my name when I walk in the door. (Something we can't do these days.) When I first moved down here, I had no computer available, it was stuck up in NY on the moving truck. I had bills to pay. The gentleman I spoke to, turned his computer around, handed me the keyboard and said, "Go to it." I was amazed. I did what I had to and thanked him. He just said if you need anymore help, just come back in. That's what I call excellent customer service.


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I only benefit from the savings account but the monthly fees are ridiculous. Especially when you only use your account for billing purposes. 15$-35$ a month is ridiculous for someone. There aren't many features for people either.


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LOVE TD Bank: They have friendly bank hours (pre-pandemic) and a wonderful app - never have to visit - take a photo of a check, front and back, and post it - it's deposited; now, if there was a way I could pull cash from my Mac?!?


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As all other banks already are open in my area, this branch still you can't get in for any sort of emergency either, to call their 800 line is worse than reaching the U.S. President. Drive thru for a simple deposit can take between 1-2 hours daily for no reason... Anyone know how to close accounts with them without going thru their drive thru?


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I give this bank NO STARS!!! They are THE WORSE BANK IN HISTORY and I am going to contact the US district attorneys office TODAY!! My husband's SBA loan for his business was deposited almost TWO WEEKS AGO and they FROZE IT! Not just those funds but The entire ACCOUNT!! He not only doesn’t have access to those funds in which were LEGALLY given to him but he has absolutely NO ACCESS to any of the other funds that is in his account and all of this DURING A EPIDEMIC? We can even buy FOOD at this point AND He provided EVERYTHING necessary in order to be approved for that loan. HOW DARE TD BANK FREEZE IT along with all his other available FUNDS!! I will be taking this matter to another level. TRUST ME!!


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Let me tell you a story about two gentlemen from T.D. Bank named Sal ** and Roberto **. O’ my gosh, what lifesavers. I lost my card in a T.D. Bank in just a few seconds, the machine didn’t give the “take your card out” reminder and I wasn’t paying attention. When I walked to the next store I realized I didn’t have my card. A slight panic was starting to develop. It was still early but all the banks, all the banks only had ATM’s and no one to talk to, I was lost for a minute. Then I decided to try the T.D. Bank near The Bronx Zoo, which had drive in. I thought maybe I could speak with someone. At this point I only had $6 in my possession.


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100% opposite to its slogan. TD Bank is the most difficult bank to work with EVER. I had no experience with the bank before I refinance my mortgage last year. One of the loan officer was unprofessional about the loan documents, did not respond to my emails, and asked other officers to communicate with me after I sent out a second email checking my application status because she didn't reply to my first one. 


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JUNE 29, 2020: Spent more than 45 minutes to get somebody on the phone. UNACCEPTABLE!!! I called because my free check order never arrived (Beyond Account ).... Now they dont want to honor their promise (not just they told me when I opened the account but it is also posted in their webpage)... Apparently they sent the checks on March but I have never received, I have never used ONE. Now they want me to charge for a new order of checks!!! Worst bank ever!!!


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Watch out if you are opening any acct with TD Bank they never listen to you and never meet your expectations when you call. In other words they could care less about your banking concerns!! I expected a lot more since this is Your money you are dealing with not theirs!!!


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TD Bank is the WORST! My daughter's account got hacked... After not getting any help from their phone support and waiting literally days for them to respond, we went to 3 different branches, five total visits, to this crap institution only to hear their Managers tell us their hands were tied and making is call the very same BS customer service line with various transfers to depts. One manager called and waited on hold with us for 15 minutes and the department told him to call back on Monday. A year later after no results they sent us to collections for $250 which they had already cleaned out her account from insufficient funds fees and never sent us this final bill. They suck if you have a problem you will get nowhere with this group. STAY AWAY!


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Been a TD customer for many years, I knew all the staff and they couldn't have been better. Something has changed in that org. They are downright incompetent and uncaring. Due to an "error" I was cheated out of several hundred dollars in interest, I was trying to call them for some info and they did not answer the phone all day....I was parked in the lot in front of the bank before opening and was told to leave, talked to the manager and was told it was their policy not to have suspicious people in the lot when opening, sent a message online about an issue and 4 day later no response. I will be looking to change.


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TD is definitely the worst bank ever. Their mobile app is virtually useless. Never up to date. They delay taking funds out so they could try to get you to overdraft. Mobile deposit I had a security hold put on eight out of 14 checks that I put in there. They tell me to deposit it at the ATM in the bank. I do that and they put a security hold on some of that also. Use a different bank. Say No to TD.


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Locked out of my US TD Bank account due to purchases made online for myself in QC and my Mother in CT. (Good food due to the Pandemic and I am in a rehab place for my leg and my Mom is 81 years old). After calling both the main number and my VT branch, they cannot help me, so my TD account $ is frozen. I guess they can make interest for themselves through all the accounts they’ve locked... I’m changing banks. TD is now nonexistent to me and I will tell others, if asked, not to use them for any financial services whatsoever. I would actually give them negative 2 stars if I could.


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A sad story of a bank that used to be good but is now too inconvenient. After 15 years, I am closing all my accounts with them. Now the hold times are just too long (sometimes 40+ minutes). Poorly trainined service now. No abillity to speak to supervisors. Constantly making excuses like blaming other departments, and tranferring you. They most recently canceled all my debit cards due to one online bill pay they couldn't identify which i legitamatley did. Rather than just denying the one payment, or texting me, or asking for a security code, they just cancelled everything and locked me out of website so i couldn't even know what happened. Some service.


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Honestly, the services at TD are pretty good. We love their no-fee credit card, their flat monthly fee, and their very friendly tellers. HOWEVER; the whole reason I felt the need to write this review is because of what I have seen happen to people close to me, and how utterly appalling I think it is. The majority of frauds and scams are (or at least used to be) based on checks. People will deposit these checks at TD Bank, send some of the money back to the scammer, and supposedly keep the rest. These can be in the amounts of hundreds all the way up to millions and most people CANNOT absorb this loss. TD will tell you after the fact that the check did not clear and the money never existed.


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TD Bank Sucks! Had enough of their BS! 12 days to clear a deposit from one account to another. When I called, they blamed it on the Federal Reserve. Time to go…. Should have left them years ago. Incompetence plus!


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If you're looking to set up a tax-free savings mutual fund for your children to be able to save money for their future tuition, don't ask TD for any help. TD screwed us over by incorrectly classifying our investments so that when we withdrew the money for tuition, that money was then considered part of my income by the CRA. We were then taxed over 18% of that money, wrongfully! 


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Hi, A couple of months ago, I ordered a statement for my business and personal account for 2018 I went to my home branch, they said I will receive my statement in a week free of charge. After a week I went back to the TD Bank but that time I only got my business account statement, not my personal account. After some time, I went back to TD bank to get my personal account statement. The teller told me that they have to charge me $15.00 for the year 2018 statement. It is not a matter of $15.00 but it's a trust. I've been a customer of TD bank for more than 15 years and I like the service very much.


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All I am going to say is that if you forget your password when you call them for assistance or help, even if you tell them... "I can't remember it cause I never had to use this password before now." They will not accept anything else but the password that you may even of made months ago and I just want to ask them "Please can you just check my account? I think there's some money transaction that I'm not sure of, so could you at least check to see if there may have been fraud or a mistake?" But Nooo. Even if you tell them to ask you any question like for instance your social or mother's maiden name or credit card bank info or even phone number whatever cause I got that all. They still won't help you in the least bit. 


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I opened a Savings and Checking account with TD Bank, and I was never told that I could link my saving to my checking in order to protect myself in case of an overdraft. Instead, they kept on charging me fees after fees, paper statement fee for every paper statement they deliver, service fee of 15.00 dollars that I didn't know about. They also have an overdraft fee of 35.00 dollars per day. Aside from the hidden fees, they have some rude employees when you call the 800 number. Had they told me about the overdraft protection, I would have made sure to implement it to protect my money. If I had been informed of the paper statement fee, I would also made sure to use online statement fee. 


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Wait times can be very long AND commercial clients are allowed to go to any open CSR & this really slows things down. It is great for them BUT not great for other clients. Never enough CSR'S open when the branch is busy! Best to go first thing in the morning!


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3 months ago at TD Bank in Montvale NJ wanted to cash check for $5,000.00. Man said "we don't have any money." (At a BANK??) I have 2 checking accts with them for Years & both were fine money-wise. Said again: "We don't have enough money for that. You must call us 2 weeks in advance & let us know to cash check this big." Huh? Even criminals know "where the money is." 


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This is the only bank I use and I wanted to try Samsung Pay on my phone and watch! I even tried adding my card. I got a message saying I could call TD and ask them to activate my card on samsung pay! But when I called them they said they only have Apple Pay. That's it and they stopped dealing with Google Pay and Samsung pay 3 years ago! Whats the point of this bank if it can't support the only phone you use! Disappointed! Honestly just go with RBC. They support everything and would never have these small issues!


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Terrible bank! Period. I could write a book at this point! Most recently the story goes like this: My debit card expired and they emailed to say they were sending a new one. Never came. I called customer service and they sent out a replacement. Never came. I did this TWO MORE TIMES and STILL NO CARD. That's 4 tries at sending me a new client card and I still do not have one! My local branch is closed, indefinitely, due to Covid19. AND I DO NOT HAVE A CLIENT CARD THAT WORKS!!! So, in the middle of a pandemic I cannot access my bank account. 


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Not recommended for small customers who struggle to keep their heads above the surface. The corporate slogan is "The Most Convenient Bank", the question is for whom. I've been banking with this TD Bank for about 2 years and overtime having issues with their transaction record system. What's in the banking business known as "maximizing the profit" is well-practiced using the non-sufficient fund fees policy, and that is more likely a scheme. Why? Because the way they record the transactions, they record the transactions based on the largest amount to the smallest amount, just like any other banks. The excuse in play, is they are trying to help customers to pay what is most important (seems the largest amount is the most important). Yet the decision for that relies on the bank solely discretion by that mean if the largest amount would risk the bank of losing money, they would not execute the transaction.


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I called TD Bank to review mortgage options and the financial advisor did not listen to anything I asked, insisting that I had to make an appointment to visit the branch, which meant I had to take time off work or spend weekend time. I ended up visiting the branch, and the financial advisor did NOT follow up with me subsequently on status/progress. Poor customer experience all around.


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Ineptitude oozes from every T and every D associated with this outfit. I have had 5 over the top, you can't believe this is real type events. Every excuse to hold money longer they give, no more of it.


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I've been a loyal customer since Commerce bank days, now TD Bank, for years I've traveled all over Europe and TD Bank never charged a International fee on top of the regular fees, since Corona they added international fees, shame on them. The time has come to leave, so after 20 some years I'm sad but this threw me over the top.


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TD Bank offers you a Debit Card on the spot after enrolling which is awesome, However, Please be very careful with any of the Cash advance they provide because their OVERDRAFT SERVICE/FEE is a JOKE! TD BANK charges you an Overdraft fees of 35$ per transaction after you over draw your account. For example, if you have 100 $ in your account and you're enrolled in the TD Cash Advance It will let you make a transaction which is above 100 and charge a 35$ fee for that transaction. & after that If you swipe for 1$ or if you're enrolled in any auto payment you will be charged Overdraft fees of 35$ for 1 Dollar and it goes on. It is good they let you overdraw but be aware of how the fees works. NOT RECOMMENDED. Thanks.


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During this pandemic I understand that wait times are higher and places are cutting down staff but after being on hold for 2 and a half hours for on both of my phones for 3 days to only be hung up on every.single time just to unblock my card. Over 3 days seriously!? (This is day 4) Then I go into a branch after waiting in a line for them to tell me I have to call the same line anyway? Don't bother calling them. You won't get through. I'm assuming there must only be ONE rep handling phone calls.


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We refinanced our home. Problem 1: The application process took forever and toward the expiration time on the 3% loan TD wanted to back out because we sold a car for cash. Who takes a check for a car from someone they never met before? They wanted us to take out a loan for more $$ and then they would overlook our cash sale! (FISHY). After my insistence they agreed to the original loan application amount. 


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I had a joint checking account with my daughter since she started college back in 2010. My daughter is actually very financial responsible and watches her account religiously. When we finally decided to move her account to CapitalOne so she could have her own account without me it was a fiasco. I set up bill pay to pay my TDBank Credit Card with my TDBank checking account and for whatever reason it didn't work and they hit me with a late payment fee. 1) I set up an interbank transfer feature and she tried to transfer her money in $2500 increments, the website didn't register it and she clicked it several times and as a result tried to transfer $2500 x 3 and I got hit with an overdraft fee x3. I ultimately got these fees refunded but it whacked my credit score down from an 838 to a 780. So I would avoid TDBank as they seem to be technologically challenged.


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Long-term, loyal customer of TD Bank; many many products and relationships. Everything changed over say the last 2 years. Fee mongering. Many increases. Special accounts that waive fees no longer count, etc.; Avoid TD Bank Lending like Covid-19 (nothing but pain). Lies, deception, manipulation; Customer Service no longer customer-centric; No way to escalate concerns within the bank to the proper departments; Technology, well, that has always been a hot mess (they are trying).


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TD card services is so unhelpful. You have to call and ask for your points or promotions, but they always have a reason to not help you. Even when a TD bank rep calls they refuse to be of service. Or waive the fees the bank tells them to. Horrid customer service, bordering on fraud since I have yet to get what was promised 8 months ago. Do not recommend.


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During this time of crisis, you can really tell who the good vs bad companies are. TD Bank is no exception. On Friday, the day the program went live, I called the bank to find out about the process for applying for the Paycheck Protection Loan. It was obvious the employees were not trained or informed on what to say or do. They had no idea. One of them sent an internal memo. Another told me they were short staffed and only the manager would know what to do. So today, 3 days after this thing went live, they added an online application and it doesn't work.


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TD Bank has just about the worst online experience I have ever seen. In order to use online banking, you MUST receive a text message on your phone to log in each time. However, the text message only arrives some of the time, meaning that you can only log in when their system is in a good mood and actually sends you the text. Then, once you're in, it freqently logs you out and makes you log back in even when you're in the middle of doing something, and you have to start over all again (assuming you can even log back in with the text message).


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There really should be a zero or negative star rating available. Never have I in 35+ years of banking been treated in such an unprofessional, rude and totally obnoxious manner as I was by a Ms. Kimberley **. Despite the inconvenience which it will doubtless entail for me with having to move direct deposits etc, I will be exploring how to close and move both my business and personal accounts from this horrendous branch at the earliest opportunity. In addition, trying to get hold of TD head office to relate my experience ended in failure after waiting on hold in excess of 40 minutes before giving up. Please avoid this horribly unprofessional branch or TD Banknorth as a whole.


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Robert **, Adriana **, Tracy ** from the Mortgage dept and underwriting. If you want to be guaranteed a loan Lock in a rate. Not talk to you about what's going on with your loan, bait and switch and then after asking to pay all your credit cards and bring 30,000 to closing which me and my wife agreed, only for them to drop us because we locked in at 3.65 and then all the refis came in and they weren't going to make money then tell us to pay off our lease and we can try to see what we can do. (Start all over and give us a 4.89 when we are already paying 5.8 interest.)


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I wish they had the choice of 0 stars or even negative numbers! One star is much too much for this outfit. I have been a client of TD Waterhouse for many years. When they did make a mistake in the past - unauthorized selling of securities from my account - it was very stressful but they corrected it and I believed it was a honest mistake. Unfortunately, during the recent market volatility - volatility is good for my kind of trading - they were impossible to reach (and I mean calling on four different parallel telephone lines for 6-8 hours continuously!) and as soon as a margin appeared they sold again my securities. I gave instructions to transfer funds and securities from another TD account and still they sold my securities. This is utterly dishonest and more than I can take. I'll see them in court.


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Went there to give a copy of my signature for new business checking that I opened online, teller sends me toward group of three guys who didn't wanna look at me then one of them tried to brush me away as soon as he found out I already opened the account online and he will not make any commission, when I told him I failed to send my signatures online each time I tried he said, "It's big process. We will have to do it all over again here if you wanna do it through me," I showed him the email I received from bank that clearly stated just signatures on document at the bank. I realized what's going on so I asked him to cancel my account, he was very prompt on doing that instead of trying to resolve and help, I also heard other two employees talking rudely about another customer who wasn't present at location. Bank is on the right street address though it's on "SHADY LANE" in Howell NJ.


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Excellent banking. No surprise in amortization. Renewal do not cost any dime. Professional bankers to help for new amount mortgage and refinancing. Really like the staff taking it seriously to find best option for customer.


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I took a business line of credit with TD Bank to help with my business. I had a few bad months in sales, and I was running a few months behind with payments.  They did not want to work with me on a repayment plan at all. Their main objectives were to get a judgment against me and collect on the SBA guarantee. I would never recommend this bank to anyone.


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Applied for a mortgage and got approved for a mortgage 2 months before closing. Then one business day before closing and TD finance department dropped the financing. And we never closed. I will never step foot in a TD Bank again or use them at all. This isn't the first time this has happened. Stay clear from them.


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TD Bank's employees need to all be given the SAME handbook on the bank policies. The first time I called for OD fees, they waived HALF of the fees. After not a single person telling me what the OD policy was (they will charge up to 5x the OD in a single day, They charged me FOUR. $35X4 IS 140. Then agreed to waive HALF which are 2 fees). The second time I OD, I called again, I OD for $14, for an ACH payment to Amazon. Boom was slammed again. The woman told me that I since they already waived TWO fees this year, they couldn't wave another one. Spoke to an "Supervisor" named Chris who was not the friendliest person, who kept reiterating that by law an ACH payment they had to let go. Okay, FINE. Prior to speaking to Curmudgeon Chris, the person I spoke to said that the OD fee is posted the DAY AFTER (DUMB) and that if I put in money to cover the funds prior to closing, there will not be a fee posted. 


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This company is filled with untrained pathological liars. I deposited a check on a Friday night and immediately called to confirm when they would deposit my funds, to which the agent said Saturday. I called Saturday morning to inquire about my missing funds, and the agent said it will be posted to my account by 5 pm EST. Called at 5 pm EST and spoke to both an agent and supervisor who said my funds would be available either Sunday by visiting a branch or Monday. I visited the branch during my lunch break, and the manager said it would only be available Wednesday and she can't do anything about it! Due to the lack of training by the TD Staff, I am late on my rent, causing a fee from my landlord, I suffered humiliation and am suffering an insurmountable amount of stress. I am closing my account with TD bank and have already filed a report with the BBB, next step is the AG and a lawsuit.


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Have been banking with Ally which used TD Bank for their credit card services for about 2 years now, upon ally discontinue using the credit card services and the service been taken over by td Bank I have had nothing but problems. Attempted to make a payment and enroll online but due to not having the new card I was unable. I finally received my card today and proceeded to activate it as the customer service agent I called last week advised me and had mentioned that once activated the old card will no longer work which made sense so I proceeded to do that. 


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Hi! Our names Robert & Maya **. I am submitting this review, Which is so long overdue. And I Pray that this will never happen to anyone else. I saw many of the reviews from many other victims as well as my husband & I before finally I chose to write this. I Also did research on TD BANK history. I had to be sure that it wasn't my husband and I carelessly not being responsible with our accounts! 


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BUYER BEWARE! We have tried to be a loyal customer of this bank for the past 4 years, but we are now looking for another bank. They have friendly staff, but unfortunately, this is completely offset by how incompetent they are, from the tellers to the intermediate staff, to the bank managers. Management should lead by example, and unfortunately for this bank, that is exactly what they do, only to their detriment. We have 4 accounts with TD but will be closing all of them due to continued incompetence and an utter lack of accountability. There are so many mistakes this bank has made, and the worst part is, there are no actions on their part to prevent these errors from recurring, so buyer beware:


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I didn't think any bank could be worse. I was wrong. Husband applied for a mortgage loan with TD. Their process is manual and painfully slow. The loan processor was extremely incompetent (we are talking about simple math and reading). They offered him a horrible rate for a loan (although he has excellent credit and good income). Then they sent out their appraiser. The appraiser falsely misrepresented to the bank, in the report that the home had code violations. It was explained that this was not the case and provided proof. They still proceeded to demand these be remedied. They still contend that he is approved but admit they won't fund the loan. Won't provide any sort of letter to back this up so he can get his earnest money back. This bank is beyond unethical. Will most likely pursue legal action against them. I do not think they behave this way with all of their customers.


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They treated me so disrespectful like a criminal. So after my account was compromised and hacked. Hacked From another state. The hacker was able to see and steal my information and my complaining lead to me being told they will no longer do business with me. Unprofessional. Abuse of authority at it finest and why are the allowed to dress like they are in a prostitution ring. Very offensive.


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I always checked my available credit on the app and made purchases accordingly. Two times it suddenly went over the limit. After calling found out that the app doesn't update information properly. And then they charge for over limit. I also asked to block over the limit purchase, but TD bank refused and charging the fee. Clearly fraudulent business practice.


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TD is probably the most frustrating bank experience I have experienced in decades. The fraud department deactivated my account multiple times for transfers INTO this new account and was very slow to reactivate it. I walked into the local branch many times to unlock it, but what the local staff could do it just email the Fraud Department and wait for two hours before they respond. And they never responded. I made five calls and visited the branch three times, spent hours on it, but to no avail.


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I notified them one day after realizing the charge was made to a non-licensed, known credit card fraud, and a con-artist. Since then, the so called "merchant" that sent them a bogus invoice # 00001, has been incarcerated several times. I have submitted proof (twenty-three pages) of proof to them several times. They continue to side with the merchant- all this over $278.00. This con artist has taken over $20,000 and destroyed a condo, that has now cost above and beyond the original amount I planned on spending. My advice is read all the reviews about this card- sure it offers perks- but if you experience a problem- forget it- they couldn't care less. The customer service- when you are able to get through is horrendous. This thief remains on Facebook still recruiting new victims.


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Luckily I am disputing only a $96 purchase. Purchased a wig and did not receive what I ordered. According to wig company returns are accepted if wig is not tried on. After back and forth correspondence between myself and the wig company with no satisfaction, I brought a complaint to the Dispute Department at TD Bank. All correspondence was sent to TD (emails between myself and the merchant). This correspondence had to be sent three times!! After repeated conversations with the Dispute Department I was finally told my case was in my favor and "Don't worry. Your credit card has been reimbursed the $96.00." Thought the matter was closed. This credit took about a month to be posted. Then I receive a letter stating that the merchant sent copies of my order (enclosing picture of the wig I sent them that I received and a copy of the order and receipt). 


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I have been deal with the TD bank lately they have double charging me for my safe deposited box and I have to call them they fix it right away and said I will not have problems no more but every year I have problem with that. I try to make a deposit in the machine but the cheques come back to me right away. So I tell them about it. And they say they never heard about it that has gone on for two months. So I call the bank that is on the back of my card phone number and they treat me like ** and no respect. And tells me to talk to that bank manager. That will not work. I will be closing my account.


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Filed chapter 13 bankruptcy in 2015 never included TD BANK in bankruptcy. They stopped sending me monthly statements. No communication at all. I continued to make monthly payments every month using old statements. While under bankruptcy protection TD BANK sent me a NOTICE OF FORECLOSURE stating l was behind over 4,000, then 6,000 and went all the way to 10,000. Never wrote to the bankruptcy trustee to get approval to increase mortgage. My attorney sent TD BANK a letter to cease and desist because that was illegal. Then they sent a person out to take pictures of my home. For what l don't know. I called my lawyer once again and was instructed to let the person know that he is not to take any pictures and if he does he will be sued. 


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My incoming “wire transfer” was treated with DISGRACE and DISCREDIT by the AVP of this Department & her staff. My complaint that went on for “more than a month” of why I was charged an ADDITIONAL fee was just “brushed off” and ignored! My contention was on the basis that I had a TD Preferred Account with a “substantial balance” & should not have been charged an additional fee. The AVP rendered and displayed a “devil may care attitude”. TD Bank has the worst Customer Service in the whole of US!


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Son is studying abroad. He was told at the bank, "Don't worry. You don't need to let us know." YET, twice his card has been stopped. After we verified the first time, shouldn't have been enough?! Mind you, they can't contact him because they are able to use out of the country phone numbers. The whole thing is ridiculous. I get it is for safety, but maybe it was easier when they just put an alert on accounts that you were out of the country. And Now we find out there will be foreign transactions fees beginning March 5. Just lovely. Thank you TD Bank!


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TD Bill Pay where no one is responsible for what happens to your money, after using td bill pay back in December 6 2019 to pay my mortgage, I was informed that the mortgage payment was never received by my mortgage company which it happens to be PNC Mortgage another bank that could care less about their consumer since neither one of them will respond for my mortgage payment, very irresponsible people, no one cares, still to this day 01/18/2020 I have not received a refund for my money that was taken out of my account, lost and never received or refunded. Shame on you td bank and pnc bank.


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I am on vacation in Puerto Vallarta Mexico. The bank was previously notified that we are in Mexico. However, TD has declined our debit card and put the card on hold because they supposedly have no way to verify identity. They do not have my cell phone on record. Oddly enough when I went online they texted a verification code to the cell # to allow me to log in.. Yet they have no record of that #. So here we sit with no access to our money.


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I am so disappointed. I was so hopeful. For several reasons I was thinking of moving my accounts from Chase to TD. I set up a checking & savings account with TD last month. Setting up Bill Payment was SO cumbersome & difficult. I scheduled a payment, my first (and who knew, my last) on 1/1st, to be sent immediately. Per the system it would be received by the vendor on (est) 1/9th I checked with the vendor as the monies never left my account. I called TD Bank 3X. Wait time to speak to a rep was 30, 40 and 30 minutes.


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Sent tax payment via their amateur website which was probably last updated in 1999. Funds sent via US Mail (in 2020?) and of course payment was late so I have to eat late charge. My money and investments along with several direct deposits will be in a REAL financial institution next week as soon as I can get them redirected. STAY AWAY.


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Merchant dispute letter. Explained twice the situation got one letter saying that they may need further documentation. Never got a follow up letter, a call, or email from this department requesting the docs. Just got a letter yesterday stating they are going to do nothing and charge me $620 after I clearly explained numerous times I had analytics reports and emails clearly proving I was defrauded with email correspondence from the merchant requesting a refund. Amex would have had my back. Capital One has had my back. I told them I wanted to close my account and Carrie at the call center threatened to destroy my credit rating. To add insult to injury they charged me an overdraft fee. NEVER DO BUSINESS WITH TD!!! Incredible!!


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This is the worst bank I have ever done business with. -- I am the owner of properties here in Brooklyn along with running a successful company - While applying for a home equity line of credit and having a credit score over 817- this bank has made invasive requests for documents unrelated to a home line of credit. Secondly this bank has provided wrong documents at closing requiring 4 return trips back to the bank to resign.-- As of today 1/8/20 my account is still full of mistakes.-- Also be aware you can only transfer $5,000.00 per day--along with the lost in outer space for days transactions. Wish I would have known.-- BEWARE!!!!


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After receiving a letter in the mail as well as offers online, I opened a TD Bank Checking account which had a $300 promotion to it. I stayed on top of TD after meeting the eligibility criteria and was constantly told (online and in person) I just had to wait the 90-145 days for the bonus to be paid out. Reluctantly, I did just that until day 145 where I submitted a BBB case to have my bonus paid out. The explanation to why my bonus was not paid out is something you'd expect from a shady small bank practicing illegal advertising. 


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Deserves a -1000 rating. 1. They don't post the phone number on their business account page. Idiots behind the wheel here. 2. Functionality simply does not work. 3. It is randomly down right when you need it. 4. No notifications for overdraft. - You have to set them up? If it was convenient (they claim it's most convenient in the world??) they would auto have an alert for overdraft. Don't make your customer do it, they are the king! They put the customer at the lowest priority I have ever seen in my life. Want a call back? No chance, they cannot do that. Also, if you do not get their security questions exactly right on the first attempt. With exact amounts, they will lock you out for 3 days, when you just had a simple question. This is going to zero, or needs a HUGE, HUGE MASSIVE rebuild.


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TD Bank claims they are open 24/7 but it is not true. Can you go into a TD branch for any business at 6 am? If it is about ATMs, they have malfunction issues most of the time. TD Bank does check processing at midnight and if you are short a little in account balance you will be imposed non sufficient penalty immediately or checks are bounced unpaid, while other banks let you whole day to bring your balance to positive. It is big rip off balance.


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Waited on hold 5x for 30min to where it just disconnects. This customer service department is a joke. DO NOT USE THIS COMPANY FOR ANYTHING. They OWE me money (via a credit in my account) and I cannot contact them. BEWARE of these CROOKS.


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I applied inside a branch in September. My home is currently valued at $350,000 and I was looking to borrow $25,000 only while the current remaining balance on my loan is $50,000. I uploaded tons of documents. Every time something else was pending or needed, I was the one who had to contact them. Needless to say after 4 months of back and forth, the agent handling my loan (who also yelled at me at a previous occasion) advised my loan had been denied. The issue apparently being proof of employment which I did submit. When I called to inquire since all my voicemails and emails had been ignored, she advised I would need to resubmit and re-apply for the loan. I will NEVER use them for anything ever again. Terrible customer service and follow up.


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On Wed. Dec 18th, at 6:45am, I deposited $130 into a TD Bank machine, like I had done so many times before. The result was not what I expected. The bank machine display said to me that "No money was detected." And that was it...no receipt, no explanation, nothing. Just walk away right? So, needless to say, I was perturbed. I needed to put money in my account in order to go online and pay my bill. So, I went home, and waited until 8am for the branch to open. When they opened, I went to the "Welcome" desk and asked the man working there to please get the manager. BTW I audio recorded the whole conversation for my own protection because these days people aren't too honest and one never knows what another might say later on. The young man got the manager and I explained to her what happened. With a quite callous response she informed me that an investigation would need to take place. 


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I tried to get into my TD checking account to pay my TD Visa bill. 1. I phoned TD Banking Online (1 888 751 9000) to add a phone number to receive the Security Code Verification. The operator immediately locked me out of my account and said that she could not verify my identity (because the account was locked out). I talked to a supervisor who was rude, dismissive and not helpful. 2. I contacted my branch (the staff there is always very helpful and pleasant to work with). They unlocked my account and I should have no trouble getting in my account via online banking.


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TD Bank is great for one thing.. their checking and online banking. It stops there. Attempting to do any other line of business with them can be a nightmare. They encourage you to do other business lines with them, but then make the process frustrating. I gave up after 2 different attempts. I will keep them for checking. Beyond that, I bank with other institutions. The so-called "legendary customer service" has NEVER been on par with their predecessor, Commerce Bank. But again, their checking is great!


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Payment pending. Would have over-drafted. Didn't. Rushed to deposit money. Day started positive balance. Ended positive. Negative balance never posted. Doesn't matter. ALMOST= Horseshoes and TD Bank. $35 fee. Nearly 2 decades of banking meant nothing. Bye.


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Out of all different banks that I have dealt with, I have experienced most issues with TD Bank. I have personal banking account with TD Bank. My kids have student account with them. I have business checking account with them. Both my personal and business accounts I have nothing but issues when I want to get my money back from them - either cash withdrawal or wire transfer. I can say no issues with my Kid's student account.


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More than week ago my TD interact Machine stopped working. Still could not fix and denied to give me loaner machine. TD have 3rd Party technicians. They have to order and wait for parts. I have been kept calling to customer service 3 times every day. They said there are called centre sitting in another country they can just send email to Canada. I pay rent $47 per month for interact machine through TD. Top of that all hidden charges that comes to me altogether almost $89-100/month. I do not Recommend TD Merchant Solution. They ripped off.


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This is the worst bank to deal with. Especially when it comes to credit card service or support. You will always wait at least 1 hr on hold, can never talk to someone that can help, I repeat "that can help". It's always, "Let me transfer you." Plus, their balances are way off. I am being billed thousands above what I purchased and no one can help resolve it. Stay away. I would pay off the balance and never deal with them again, but if I overpay, I will never see my money again. I am on my 4th attempt at speaking to someone and am on hold now for 55 minutes 19 seconds. Very frustrating.


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I am writing this review if someone is looking for some honest review about TD bank. I am TD costumer since I came to Canada and all my services is with TD. Have been with TD for so many years and never felt happy to being with them. So many events I have been disappointed with their services. Among many problem just one example I want to mention is: Recently they had some glitch in their easy web service as I was trying to e-transfer the money to someone. I stopped trying because it was showing error message and requesting to try again. Later I received confirmation emails from TD that transfer completed for more than one time. I called TD and they said “Oh We are experiencing some technical problem”. I spend one day to get those my money back from that person whereas TD didn’t even do any follow up if I received my money back or not.


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TD Bank on 2 separate occasions has stolen money out of my account to pay a company I have no relationship with. I have never had an account with the company they keep paying on my behalf. They hold up my money for weeks causing me hardship and my actual creditors to be paid late and I’m accruing the late fees. Due to their actions this month I will lose my health insurance. I’m trying to find out the name and address of someone in their legal department so I can have them served. Any help would be greatly appreciated. Thank you. I have tried to gain this information from td bank but they will not give it out, I did file a fraud claim with the police department. Lisa **


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I work with a carrier and needed to obtain a LOG. I sent the request a week or so ago so I called to obtain status. After holding for 20 mins, Shaquanda in customer service answered, I gave her the information she needed and she stated the info was incorrect so she would have to transfer me to someone else. I asked her to please reverify the information and she stated "I can not help you, I will have to transfer you" in a stern voice. Worst customer service EVR... Each time I call I am holding for over 20-30 mins and the reps are all rude. Just throw the whole company away and start over.


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I've Banked with TD Bank in Canada for 35 yrs. So while living in the US, I was happy to open my account with them there. One day I went to sign on to my online acct. and it said I didn't have an acct. I thought it was a tech error, so I called the bank. The lady looked me up and said, "no you have an account, let's have a look", then she said "Oh, it looks like you've been shut down". I was shocked! I always keep a minimum balance of 3,000 in my account. I've never bounced a check, nothing. I asked, "Why?" She said she'd need to check with her supervisor. Then came back and said "I'm sorry. I don't know why your acct is shut down, nor did her supervisor". She then offered me a phone number to call. 


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I called customer service today to change my address because I am moving in 2 days. The man asked me to verify a resent transaction including amount and date, so I did. But then he said he couldn't verify it based on that, so be wanted to pull my credit file. I refused to let them pull my credit, and he said there were no other options and was very rude and condescending. I hung up and called back hoping to get someone more helpful only to find out that the previous guy had locked me out of my account (so I was not able to talk to customer service.). Customer service and the supervisor I insisted on talking to told me that their hands were tied because the other rep had shut down their ability to pull up my account. I didn't even realize something like that was possible.


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They charge account fees without any notification and illogical reasons. You can open accounts with your wife who doesn't speak English but you can't help her on the phone. They make it almost impossible if you want to close the account on the phone. Worst customer service I have ever seen in my life. Agents act as if they own the bank.


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This TD Bank credit card used to be good years ago, not you almost get nothing back. Not worth the trouble anymore. You cannot make changes like you address online on their website. You have to call them for everything, because they do not have internal email messaging to send them messages within your log in. Very behind the times. I have told them before, not to mail me checks, but they do it anyway, I am tired of calling them. I do not want these checks to get into the wrong hands, plus I am moving.


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I paid of my line of credit more than a month ago & I paid some what over to be secured & I got told I will get it back within a week & lot of other promises that they sent out check already & the story don't have a end.


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My girlfriend and I opened a TD Cross-Border account a couple years ago. She's in the US often, and we use it for travelling as well. She lives in Canada, I live in the US. I've read a few reviews here about the "good service". I can only surmise that those people don't get out of the house often, or are relatives of TD executives. It's absolute BS. This is the worst bank I've ever dealt with by a LONG shot. I guess that's what happens when you allow monopolies. TD Cross-Border has been trying to send us a new debit card for about a year. We just wanted to add a name to the original one. Luckily we have one that works. I was told, "You need to visit a US branch." I'm in Detroit. The closest branch is in NYC.


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This bank is not even a semblance of what it was originally when they were Commerce Bank. At that time I thought that they were the best bank I ever dealt with; and at the time they were. I was impressed with everything they did as Commerce and recommended many people to the bank. Everything was geared to the customer, from accessibility to no banking fees to customer service. I can go on forever. Then there was the fatal takeover by TD and the commercials by Regis Philbin promising that everything would remain the same. LIES!!! They have now deteriorated to a level of pure garbage. I'm writing this while I've been kept on hold for an hour and still waiting for a representative to get a "supervisor" that would help me with my online issue. I truly believe that they're waiting for me to hang up or that my phone to die. I am definitely leaving this bank.


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Hello I have a Samsung account through TD Bank. I was human and forgot to pay the bill by maybe 5 days. I paid for Oct and Nov so there would be no issue in the future. They took all of my remaining credit and deleted it, in return messes with my credit score. I pay on time minus this one instance. TD has also charged and removed late fees that were applied days before the due date. I know I made a mistake by paying the bill a few days late, but taking over $2000 of available credit away really plummets a score.


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Used a TD Bank debit as primary access to funds while traveling in Europe. Huge mistake. Account was repeatedly locked in spite of travel notice and plenty of money in account. On last day of trip account was locked again and in spite of four calls to customer service account remained locked as they couldn’t verify account through email. Using international SIM card meant I could not receive the verification texts. They were unconcerned about the fact that I needed to use the card immediately to catch my flight on time. They kept saying wait 24 hours. Unbelievable. Very very poor service. Closed account as soon as I got home.


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The app is absolute garbage. I go pay to pay my rent and it tells me "sorry try again later". It's like "okay but rent's due today. Real convenient app." Plus it says remember me on the password but never does. The website is just as bad and has the same problems. I wish I could meet whoever made this app so I can tell them they are a failure at life.


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Back in December 2018 my account was hacked into. Their teller accepted a withdrawal in a large amount without asking the person for verification. Therefore, leaving my account at a negative. When I went to report, the manager accused me of filing a false complaint. After it was resolved, I was told that my account would be closed due to fraudulent activity.


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My name is Dilenia **, I am a customer of TD Bank, on October 30th, 2019, I noticed that I was charged two $35 of overdraft fees, not understanding why I called customer service for an explanation. The representative immediately advise me of my account being negative which I was already aware and I was also charged $105 overdraft fees within a period of 3 days, which I am also aware of the charges and I am in agreement with the charges. My issue becomes when I am charged $35 overdraft fee for a .99c charged and another $35 overdraft fee for a $4.99 charged. I feel these charges are unreasonable and decided to call customer service for my options and they told me I had none. 


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Please stay away from getting a credit card/financing through TD Bank. They are here to con you with the slightest of opportunity. I had purchased this HIIT from Proform, financed through TD Bank and had got zero percent interest finance. Unfortunately, the promotion period got expired in the month of March '19. Since, I never got any monthly statement, I wasn't aware of this. All of a sudden, when I saw the balance of $850 through my Credit Karma report, I was in for a shock. Called up customer service, and got to know that I have paid almost $800 in interest for the bike which was priced for $800. The customer service is not willing to waive off the interest charges now.


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There is no way to access account in foreign country where the cell phone does not work. TD bank only gives choice to send the security code through text message or phone call. Both require phone connectivity. All other businesses I deal with always have EMAIL option. WIFI is widely available and I can use my desktop computer almost everywhere. Countries I have visited and not able to access my accounts are Thailand, Malaysia, Vietnam, Sri Lanka, Singapore, New Zealand, Australia, Cambodia, Japan. All these places have free WIFI in hotels.


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We had checking and savings, took a $25 "maintenance" fee for checking average daily balance dropping below $2500, got it refunded, next month took another $25 fee for ADB at 2499.21, would not refund, took all our money out the next day, guess fees are more important than keeping customers happy.


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I open an account with TD Bank last year and I have never had such a horrible experience with a Bank like am having with them. They hold my workplace check for 9 days even though they claim to have your back 24 hours a day. I deposited the check 4 days ago and I still haven't been able to pay any of my bills. My Electricity is shut off. My phone will be shut off soon. It's a complete disaster. I would not recommend this bank to anyone because you deposit thinking that with all the technologies they will clear your check within 2 or 3 business days like a normal bank would but not, they have other plans with your money. Am sick and disgusted by their services. Everything about 24 hours working for you it's a lie, so sad and disappointing that am going thru all this because of TD Bank.


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WARNING TD Bank’s Management employee does NOT DISCLOSE. Admin please delete if not allowed. I got a letter from TD Bank on July 15th that they want me to close all my accounts and go elsewhere on by August 19th, 2019. I called the telephone banking center and they were not aware of any such notice. They recommended I walk into my branch with that letter.


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I was notified today by another bank (Ally Bank) that someone posing as me (via identity theft) transferred 8K from my TD bank account to the Ally bank account they set up online using my name. Here's the problem... TD bank never found this online transaction to be suspicious or fraudulent nor did they take time to call me (their client) to verify if I in fact did want to transfer 8K to an online bank via a new account there. This would have been out of character for me to do, so the RED flag should have been raised and the transfer shouldn't have been allowed to go through. 


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Called local branch to find out how to handle non-delivery of new checks from Harland Clarke. Person answering phone handed me off to branch customer service who then connected me to 1-800 call center. Their response was for me to call the check issuing company who had already placed a charge on the account for requesting proof of delivery. POD link said checks were returned to supplier. After an argument re why I had to contact the check company chosen by the bank, I was given a refund of the charge but no answer as how to get new checks. After telling a supervisor I was unhappy with the check provider who took way past the 7-10 day delivery promise, I was told I could chose any check printing company I wanted so change the company printing my checks. 


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I’ve been banking with TD for almost 3 years! I will now be closing my accounts on Monday! I was just told by a representative that reordering my transactions is not illegal and basically too bad. As an example if I have $200 left in my checking account and make a $5, $10 $50 and $200 purchases in that order when they pull the money from my account they pull the $200 charge first so instead of owing them the $35 overdraft charge I should I now owe $140 for each purchase I made. Supposedly they will only charge you up too 5 overdrafts in one business day but don’t count on that because they will just hold other pending transactions to the following business day to ensure they can charge you more! So in the last 5 days I’ve been charged just under $700 in overdraft fees (95% of my transactions were under $10 coffees etc) 


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Horrible customer phone service. Couldn't find my account number. Gave them all info they asked for and more, then designated me as unable to verify info when I called back with account number and refused to discuss my problem and told me I must now drive to a branch. People at customer service horribly rude. I have closed both my accounts with them and couldn't be happier. Screw you TD.


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Why do I need to be in the country and go directly in a bank if a secure message said to verify myself and I did so over the phone? I gave every piece of information they asked for. Then was told to rectify my issue, I have to go into a bank directly. After almost waiting an hour for the call to be answered, speaking to 2 people. Someone referred this bank to me and honestly, I have been very disappointed.


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I have left TD Bank due to the fact that if I went and deposited CASH, they would hold the funds as "pending" until the next day. So, with the understanding I had available funds, would spend money using my debit card and get hit with overdraft fees! Not only that, they re-prioritize to have payable first, then deposits (even when depositing cash). So, if you make a deposit and deduct on the same day, they will take the deductions before crediting the deposit. So, that $20 in fuel you put in your car Friday afternoon after you deposit a check might just cost you $55!


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I set up direct deposit and they never took my payment. I called them because my statement clearly states that my direct deposit was set up and the website showed my payment was pending. They wouldn't pick up and my hold times were over an hour. Never was able to resolve this. I took pictures of everything and kept my bills. Hoping they do not take multiple payments from my account. They also locked my online account now and of course you can't unlock it without calling customer service. The whole experience AND company is a joke.


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Okay So I Got My TD Card Last Week & Ordered A 3 products off wish. With it I also opened a Paypal account with my account set up to it. I downloaded the TD online app so that I could keep track of my account. I logged in, came off the app, went back on later and it was not accepting the log in information so I had to change the password... I had to change it about 3-4 times... only to see it saying that something is wrong. I need to talk to someone. I called. They said to go to the bank. I went to the bank and they are telling me that the FBI closed down my account. And I can't open another account with TD. I really don’t know why and I really don’t understand what is going on. Why was my account closed.


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Poor service, racial profiling, discrimination, and racism. I voiced my concerns about the poor service, my observations, and concerns. The entire time I was sitting down. I never used foul language, and no threats. She did not like my tone, and what I had to say which was only the truth. I am sitting down, closing my accounts, and she calls the police. The police! She had absolutely no reason to do that, no laws were broken. Why do ** people always call the cops on minorities! Why? They must like having minorities shot, and killed for no reason. I have more education, more degrees, and licenses than her. I would never jeopardize my name, or family. What she did was false, a false accusation. She had absolutely no reason to do that except out of spite, vindictiveness, and plain evil!


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If you ever make a mistake & they charge you a late fee they will only MAYBE refund it ONCE during the whole 30 years!!!! What a greedy company. I'm very disappointed in them. I will not recommend them.


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I got a credit card from TD Bank and after one month my card was stolen and had fraudulent charges on the card. The minute I saw that the charges were on my card I called and reported them as fraud. Over three weeks later I got a letter that told me that they believe that the charges were fraud. The charges on the account were for an AT&T bill, McDonald’s and to Amazon purchases. The AT&T bill was the most confusing because I don’t have AT&T nor does anyone I know have AT&T. The Amazon purchases were going to a different state than I’ve ever even lived in and were used with my amazon account.


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In December 2018 I was sent a promotional email from TDBank guaranteeing 2.5% interest savings account. I did all the things they required for the promotion. I opened an account. I deposited new money meeting the minimum deposit and I made a minimum of 3 transactions per month. TD Bank failed to honor the 2.5% interest rate they guaranteed in their promotional email. As of today, I've had my account with them for 6 months and only 2 of those months did they honor the 2.5% interest. When I called them to find out why I wasn't getting the interest, they said they would go back and manually add the interest for those months it wasn't honored but I would no longer be getting 2.5%. They would, however, offer me 1.7% for the next 60 days and then I'd drop down to 0.005%. Stay away from this bank!


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If you get a gift card from TD Bank and you don't use it within a year you will lose your money. They apply administration fees! Never heard such of thing. I wanted to use my card for a special day and now the balance is zero. I am telling my friends not to buy those cards.


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My local branch is great. I need to convert some US money into Canadian money so that I could go to a broker who charges less than half in broker fees than the bank. I am a long time customer and my local branch had no trouble accepting a US check and giving me cash to take to broker. Once I converted to CA, I deposited the money into my normal Canadian dollar account. I do not live in Toronto where the broker is. I went to a TD bank near the broker to convert more money. They refused to honour my US cheque. They wanted me to deposit it into my Canadian account at a loss of about $100 compared to the broker. They offered to see if they could match the broker's rate but only knocked off another $20. 


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Made some purchases online, as I do multiple times per week with my TD credit card. One of the purchases was blocked by TD fraud department and thus my card was unusable. I called the fraud department to release the block. The customer service agent verified my information and all transactions -- great! She said the next step was to send a verification code through text message to the number on my account. She said that although the number is attached to my TD account, she could not send a verification code. I still have no idea what the issue was but her only solution was for me to go into a TD Bank location to verify my credit card although there are NO branches in my state.


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A sum of money was stolen from my bank account minutes after a fraudulent cheque was deposited into said account. I made a report to TD Bank, after 14 days my claim was denied. There was no sympathy, no advice, no information, no paper trail given. I am very disappointed with this bank. It is unfair that they expect me to simply walk away from my money that was stolen. I think the bank should do more to help persons affected by fraud and give customers more thorough feedback on their findings. I will NEVER bank with TD again. I do not trust them to protect my money. If I wanted to lose my money I would keep it in my pillow or under my mattress.


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Is it me or every time I call TD customer service they say I have to validate myself, walk into a branch to do so? This is the third time in three calls. And, their supervisors are the most useless people in the world. One day I asked a representative who couldn’t help me to speak with their supervisor, of course the supervisor couldn’t either so I asked the supervisor “What can you do that a regular representative can't?” She said “I’m only here to give a second opinion”. WHAT!!! So you're basically useless. I also think it’s more to why they can’t help me but I want to leave that for someone who can help me file a real complaint. Anybody who can help me get this complaint to someone who can take action please let me know.


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TD Bank is the absolute worst, my husband and I combined have banked with BMO, CIBC, RBC, and TD. They target students and immigrants yet their customer service, care and retention are terrible. My husband experienced a fraud on his account and after countless phone calls, two meetings with managers they are claiming that he did not report it....yet he has a claim number from the fraud department when we call. AVOID BANKING WITH TD AT ALL COSTS. Take their promotion to another institution and they can likely match it.


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TD Bank did not protect my money. This happened in January. It's now August and I do not have my money back. I've been a good customer for 10 years and that didn't count as anything. I was scammed by a company who claimed they would send me a free bottle of Keto pills and all I had to do was pay $4.95 shipping. There was no agreement. There was no fine print just "click here to receive your keto pills." They said it was from the show Shark Tank. I was interested so I ordered them. I received them Plus a different bottle of pills that they charged me an extra $3.95 shipping. I wasn't going to dispute the the second bottle because it wasn't a lot of money and I really didn't need the hassle. One week later I got charged $160 from the keto company. First I researched the company and found out that there were many complaints of people who been scammed by them. 


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WORST BANK!!!! I have never been so annoyed in my life!!!! My debit card expires 9/19. I called to get a new one because every bill I have from my business and home is attached to that card. They tell me they are sending a new one, it will be here in 10 days. GREAT! The one I have wont expire...WRONG!!! They shut down my debit card, ALL my bills bounced back. I cannot get money out, I cannot buy anything online. I have NO access to my money unless I go to a BRANCH which is 45 minutes from where I am... I literally have no access to any of my money. When I called they said it's because it's a different expiration date. Ok, great. Can I have the new expiration date, "NO" they said. "We can't give that information!!!" SERIOUSLY!!! 


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I opened both a personal checking account and an account for a parent's estate at TD. The staff at my nearest local "store" are consistently friendly. The assistant managers are helpful, and the bank's weekend hours are very useful. The online banking tools provide basic functions. However, for more than a year, I have consistently found in-person service to be slow and unpredictable. I have been unable to get documents and information I need via TD online banking, and several times I have been bounced between phone support and in-person support as I tried to resolve loose ends in my father's lifetime TD accounts as his executor. I would not recommend using this bank for any business more complicated than simple transactions.


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These people are diabolical when a mother or father passes away. They don't care. Their main interest is to keep their cash collecting interest while creating excuses.. More paperwork needed, the person in charge is on vacation, the seal cannot be read, you need this document this day, the next week they can't find it, you need this other document now, whoops, lost that one too, "I will get Anna to call you back on Friday." NEVER does, EVER. You call, new excuse, she's away until end of month, you need this paper. NO you have it already. OH, we can't find it. You need another! Months pass away. These people are INSANE, DIABOLICAL, LIARS, and THIEVES that ENJOY making your life miserable..


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I’ve been using TD Bank's online services for approximately 5 years without a problem. I can transfer money from my checking account within TD and to non TD banks. I love their mobile check deposit service... Very convenient! I pay almost all of my bills with their bill pay service. Their staff is mostly courteous and they are open more than my other local banks. One amazing feature that my previous bank didn’t offer is TD’s ability to very quickly generate a bank card at their branches. Great bank. Thanks.


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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I'm so disgusted and infuriated. I got my first credit card a couple of months ago (TD Cash) and put a balance of a couple thousand dollars on it due to a surgery. I paid every balance on time. I paid the previous month early so I didn't have to worry about it. Apparently, I was ignorant and didn't realize that a few purchases I made added onto the same statement. I was charged 18% of the total balance remaining. When I called them up and ask them if they could waive it this one time, they told me no. I'm basically giving them $100+ every month because I missed one payment of an additional $30 that I wasn't aware of. And like another reviewer said, you literally have to pay early. If you pay a few days before the minimum is due, it's not immediately transferred over. Which was why I paid early and now I'm penalized permanently every month because of that.


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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First off I'd like to say that they don't do things properly. They don't have proper procedures. They accepted a check for me that I shouldn't have gone through. They should have told me that but they did not then they want to turn around and make it out to be like the check that I gave them was wrong when it came from the city that I live in and the county of the city that I live in and the court clerk herself. And then they want to turn it around on me. After I spoke with their representative they told me to do certain things as far as taking out money at an ATM. The representative told me herself and they lied to me and then they want to flag me as fraudulent which in no way, shape, form or fashion was it fraudulent because if they record every conversation and they note every conversation and every phone call then they would know that but they act like they have no idea. 


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I deposited a check the other day $606,000 dollars. Since you only insure my account up to $250,000 I told the teller (Nicholas) that I was going to write checks to my other banks. He said FINE! I went to the other bank, wrote another check from Arvest to deposit $400,000 in two separate accounts. Yesterday that check BOUNCED! Then I get a call from a MACHINE saying "we put a hold on your account, if you have any questions call the MACHINE and spend 40 minutes going through the automated hurdles we do to keep customers from talking to actual people!"


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I had obtained POW legal documents prepared by my attorney regarding assisting my father banking. After he passed I went to the bank spoke to Louanne and she informed me that I had to go to probate to be able to get into my father account. I did that and had a copy on file with the fayetville bank. Every time since doing what was requested, Kelsey ** had me go through hoops knowing I’d just lost my father and that I had went to court to have the required paperwork on file. She was hateful. Today I went to close the account the teller asked me why I was closing the account I told her, Kelsey was standing near by went over to the teller whisper in her ear. Then instead of giving me the cash ($300.00), she gave me a cashier check I had to ask for her to make it cash. The teller attitude changed after Kelsey whispered in her ear. Don’t believe me check the video of the transaction. Really need to educate Kelsey ** on the value of the customer especially one that complied with all requirements and just lost my father. Empathy, compassion and treating the customer how you’d like to be treated.


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After years and years of ID theft and several banks later, Theresa from Conway, AR and numerous others, including Officer **, had to make sure a job is done right. Although, it might not be with smiles on our faces, she always has always been understanding, prompt, and diligent to make the problem complete. I'm not saying our job is done (since criminals always try some stunts again) but I know that I can depend on her and many others from Oak St. to make sure that I'm helped with the best of care. At the same time I was clueless at the bank the idiots tried investing with my card into Bitcoin and numerous other places online. Of course, they were shut down! Thank you.


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I pay before the account is due... I pay BEFORE and FULL amount each and every time. Try to surprise my fiancee with a ring... declined. Last night at Walmart.. $20... declined? WTF??!! Capitol One.. never does this. I'm trying to close the cc account and it's hell to get anyone to answer... Then I'm transferred to fraud... put on hold...hold...hold. I just want to close the CC account... Please. Santa.. all I want for Christmas is to close this CC account. Remember.. WALMART owns Arvest... explains a lot. Never again!!!


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My husband and I went into Arvest Bank on Pleasant Grove Road in Rogers, Arkansas to purchase a CD. The branch manager is the person we needed to talk to about opening the CD. He was on the phone, and while we were waiting, two other people stepped in front of us and went into his office and did their business. He knew that we were waiting to see him as an employee of the bank had gone in to tell him. After 30 minutes, we left, and said to the branch manager- thanks for helping us- and he said- man, I’m busy. And I said- No problem, we will just go to another bank who wants our business. This bank doesn’t have the customer service it used to have. Lots of empty offices- no one but a scarecrow to greet you at the front.


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I left Arvest a few months back. After my debit card was compromised 6 different times, I spent literal hours on the phone and at a branch asking what do I need to do differently. Although I realize that this is not the branch’s fault, I was very disappointed with the fact that the only advice I was given by the branch was to “Just stop using your Debit card”. I rebutted with, if you offer a service, I shouldn’t have to stop using it. 


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I just recently finalized a Balance Eraser Loan with Arvest Bank and of course, while you’re doing the transaction, everyone is nice and accommodating. When I was done with the rep she gave me a number and told me if I ever have any questions to please use that number. Actually, once I received the paperwork in the mail, the same phone number was listed as being customer service. On two occasions I have tried calling because I wanted to opt out of the monthly paper statements. The paperwork that was mailed to me specifically tells you to call the customer service number. I created an account online however any changes you want to make to your account must be made by phone. 


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UPDATED 10/10/2022: Absolutely terrible. Two fraudulent transactions were made on my card and Arvest Bank is clearly aware of this, I've wrestled with them for months trying to get my money back, they've come with every excuse in the world including some crap called "Regulation E". I just went on and closed my account, they deserve whatever comes their way for the way they've treated customers, if you have an account with Arvest Bank I suggest that you find another bank.


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I've made a wire transfer to pay my business partner. It's been two weeks now. Money still on my account and in the bank they just keep saying that they still reviewing my transfer. Two weeks! I'm sure they just doesn't know how to do it. Total incompetency! Never even think to be a client of this bank!


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I have been dealing with fraudulent charges on one of my accounts for the past 2 months. A month ago I was told and still have the emails that the dispute has been closed and I could go ahead and close the account it dealt with. I get a letter in the mail at the beginning of July the fraudulent case they did was denied (which is total crap because I wasn't in town when my car was used) and they re withdrew funds from my two open accounts that had nothing to do with the account the fraud charges were on. They lied to me in June and the fraud charges were $900. If they were still investigating the fraud charges they should have froze the account they were on. They have told me so many different stories on why and how their disputes work. I would tell anyone who uses Arvest not to. I have never had this much problem with a bank.


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I left my bank of 30+ years, they were bought out by a non-US conglomerate and opened an account with Arvest. Moved all my direct deposit retirement monies to this account, deposited 35 k, these idiots sent me a broken skipping auto dialer nonsense message. Screw them. I'll put my money elsewhere.


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They let two insurance companies keep stealing my money despite numerous request for reversals and blocks. Of 3500 I have received 300 back. They returned some of the oldest charges on one complaint but left 1000 dollars of the newest off and said it was on me. My truck has been totalled and was paid out by another ins company and still Arvest won't return 6 months premiums. Usaa even kept drafting when I did not renew and told them they were fired. Arvest would not help get it stopped. I AM A VET THAT JUST TOOK STELLATE GANGLION BLOCKS TO DEAL WITH ANXIETY AND MY BANK GAVE 2 ** WHEN I pleaded with them. They even left off my address when they mailed my new acct packet with all my info. My small post office caught it. Then they sent me an address request to the address.


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Been a customer of Arvest more than 10 years. Left a job recently that I had been at for 8 years, as part of my resignation they sent me a third party check for my final pay. Deposited the check into my Arvest account and a week later the funds were taken back out as the check was returned to payee. I was charged an $8.00 fee for this. To remedy the issue my employer sent a wire transfer to my account for the full amount of the check, Arvest charged me $10 for an incoming wire transfer. Called customer service to see about getting the fees refunded since none of it was my fault and they said no, since the fee schedule is posted they can't do anything about it. In reality, they could have easily waived the fees but chose not to. I guess Arvest needs the $18 more than I do. Shopping for a new bank immediately.


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Friday, March 25, 2022, my checking account was hacked. It had been hacked March 18th, also, by the same hacker as March 25th. I disputed that debit and the money was put back into my account. Mind you, wouldn't you think that if I was hacked by the same person that Arvest would know not to let that same person hack me again, a week later -- 5 times in one day, totalling $2,100+? Arvest should have measures in place so an entity cannot re-hack an account, much less 5 times in a row -- on the same day!


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Was ok about having one payment. Didn't know it would cost me just as much interest at 20.49% it will cost me 6 years to pay off. Try calling them, says it is on lockdown and not willing to help me lower the finance.


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We have several accounts at Arvest Bank and they denied me a loan to purchase a rv for $9K, because I don't live in a state that Walmart Bank is located, I have a credit score of 814, and several hundreds of thousand in IRA. Don't Bank at Arvest!!!


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Arvest Bank 218 S Memorial Dr, Tulsa, OK 74112. This is the slowest branch I have ever seen. I don't think this branch deserves one star at this point. Upper management needs to review employee ethics, productivity, and efficiency.


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Worst bank in the area! Used to be great! But have completely lost sight of customer service. From getting rid of deposit slips, making it a nightmare for customers to handle their bookkeeping. Extremely difficult to work with on mortgage and in-house loans. Complete apathy for working to improve a situation or help their customers. They have great employees and loan officers on the ground floor, but their hands are tied with corporate policies that are completely out of touch with their clients. They've lost all of my accounts and I'll never do a loan with them again. And, as a Realtor, will strongly discourage my clients from using them.


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Worst company I have ever worked with. When Covid 19 hit, every other loan company worked with us and our job losses and reduction of income. This company? Not at all. They send a tow truck. I will never do business with them again and I will tell everyone I know how they did me.


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We have been loyal customers for years. Needed a small loan. Was turned down. Arvest certainly don't care about their customer needs. If we didn't need help we would'nt have ask for it. They do not care. Very disappointed with Arvest bank.


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I have had a personal bank account with Arvest for three years and have never had issues with them until I opened a business account. The day I opened the account, I gave them a check for $15k. One day later Arvest mails me a letter stating they are closing down my account in 30-days. Not only did they shut down my business account but they also shut down my personal account. The reason as stated in the letter, "We have determined this relationship is no longer mutually beneficial, and we ask that you not make any future attempt to open an account with Arvest Bank."


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Am regular Business account holder here. Have moved several hundred thousands of dollars through my business account in last few months. Insulted when applied for small vehicle loan, offered 30% of value. All loan payments made perfectly on time over minimum of last 5 + years. Bank next door approved full loan in 30 minutes at same rates. Bottom line is no loyalty to large account holding business customers. Sad that you cannot get true Customer service from this local bank that knows me. Have better luck with online banks that don't know me at all, or just the bank next door. I STRONGLY DON'T RECOMMEND THIS BANK.


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I opened a personal account with Arvest. Got a loan check deposited, tried to raise limit so I can withdraw the cash. Was flagged for fraud, not sure why because I've had an account with Chase before. Long story short they closed my account and sent my COVID19 loan check back to the lender and now I have no idea where my money is and they won't provide any info. I'M PISSED, NEVER USE ARVEST AGAIN.


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Long term customers who don't use some service a lot, such as cashier check fees, should be given a freebie ever so many years. Paying fees for your hard earned money to me is ridiculous. Get more business from word of mouth.


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I opened an account last Thursday. Everything was good until my deposit didn't go through on my new account then I went to the bank to deposit 200.00 to fund the account. Mind you I have 14 days. The banker never told me they were my account was sent to the fraud dept and it was being closed. I had to go back up there to the bank, pick up my money. come home and still feel like I was taken advantage of. Still no reason why and the bank manager at the branch didn't have no reason to why and them banker knew this was wrong. I wouldn't bank here again. I will not shop at Walmart again and I will not be having nothing else to do with Walmart. They're sick people.


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Arvest staff for some reason are of the most unhelpful bank personnel around. They seem to believe they are doing you a huge favor giving you your money you entrust them with. I have banked there for several plus years and each year they get worse. Tried to get a copy of a document notarized the other day of which they notarized the original two days prior. Wouldn't do it - said it was against policy. I need to go to a notary. I go down the road to a different bank. No problem.


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I have had horrible customer service since I opened a credit card through Arvest Bank in Jan 2020. Every time there is a credit/payment, the company holds it over a week before posting to my account. But within 24 hours they shows charges. Customer Service has no clue or explanation why. I have never had this issue with anyone else before. They are a joke, don't waste your time.


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I have had problems with Arvest Bank for years. 3 years ago I wanted to open a secured credit card with a bank. I went to Bank OZK and Arvest. Bank OZK's process was easy and completely online. Within one week I was approved for a $800 secured credit account. At the same time I went to a physical Arvest location to talk to someone. The person I talked to had no idea what I was talking about and confused me into opening a $600 CD, and calling that a secure credit card. While I have been able to use it like a credit card and it accrues interest like a CD, I have been told multiple times that because it is a CD and not a regular credit card, I can only close the account during a one-week period, even if I had a $0.00 balance the other 51 weeks.


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I tired to close my checking account, as I work out of town and a bank that I can't use 100% without going into a branch, does not work for me. So I called. I had a $0.01 balance in my savings account and a $0.54 balance in my checking account. I was told I had to drive 6 hours home and do it in person. I then tried to get someone from their customer service line to help me. No luck. In fact, I was talked to like I was a brainless 2 year old child. I was told if my bank balance was zero, the account would be closed. So I jumped through horrid hoops online to get it to a zero balance. 


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This review has nothing to do with actual bank locations, the people there are always great to deal with. I travel for work and stay in hotels most of the year. On Sunday when the hotel charge went through I noticed it overdrafted my account. I instantly transferred $500 from Venmo and my account went positive $128 ON SUNDAY. Monday still shows the same $128 balance. Tuesday the account is negative $82, why you ask? Because even though the Venmo payment was on my account Sunday they put every transaction that happened after the Venmo transfer on before it and hit me with 8 NSF Charges totally $134....Good job Arvest, as soon as I'm back home I will be closing my account and finding a better bank. Customer service is by far the most disrespectful and sarcastic group of people I've dealt with from any other bank.


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Don't bank with Arvest. If you ever leave Arkansas, you should get an account with a national bank. Arvest has little presence in the country and if you encounter a problem while traveling, or need funds wired, they are of little help. I schedule a wire transfer over a week ago and the money has still yet to hit my other account. The money has been taken out by Arvest, it is no longer in my account, but they can't tell me when it will be in the other account. Unbelievable.


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Arvest appealed to me with a direct mail flyer that dangled an interest rate of 5.9 percent, but when I called the bank's toll-free number to apply, I was told I didn't qualify for that rate. Nonetheless, the sales rep convinced me on the phone that my $13,000 loan would be paid off in 5 years. After 2 years, I had barely made a dent in the principal because more than half of my $297 monthly payment was going toward interest (the rate Arvest actually gave me was 15.99%). As soon as I could, I called Arvest and, thanks to a withdrawal from my IRA, paid off the balance (which was still over $11,000) by phone.


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I went in the bank to get a letterhead statement, a voided check and print something out, not sure how to download and print from my phone. ** simply made my visit a one stop shop! He is very professional, very polite, and well knowledged and well dressed. He helped me with everything I needed, downloaded forms, signed and notarized them and helped me upload them back. Thanks ** and Arvest Bank for going the extra mile for your account holders! If you want the same great service go to Wal-Mart 7800 NW Expressway Oklahoma City.


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This bank is a complete joke. You'd be better off trusting your money to a perfect stranger. The app is not a full service. I've set up alerts from my laptop at least 4 times within the last 3 months and I'm still not getting alerts via text, no matter how many times I enter that into the system. And the customer service in person and over the phone is sad. I'm pretty sure these people have little to no training in systems or in general politeness. They need to go to Chick-fil-A training. Geesh!


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New truck loan, followed letter I received. Sent first payment for Aug. 2 and a canceled check for auto pay to start Sept. 2. On Aug. 2, they took another payment and I called and I want my money back and some idiot jokes I'm paid until Oct., WOW. No check and we'll see who laughs.


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I called their customer service before I got an account online to find out if I could go after I created my account and get my debit card. The lady looked up the location and confirmed I could. I created my account and later went in to make my deposit and get my card. I made my deposit and waited for the designated debit card lady. She came up and informed me that she couldn't print the card because the account was too new. I really needed this card and chose this bank because of that convenience. So I asked for my money back and they first told me the couldn't do it...and then did it. I just politely said I had changed my mind and was going with another option. Assuming this would close the account. It didn't. I received a letter in the mail that my account (that I didn't know I had nor wanted) was changing to a not free account and I'd be charged fees.


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I bank with multiple banking institutions, both on the commercial and retail side. This is the worst banking experience I have ever had; I could not get away from these guys fast enough. The teller service is great, but it ends there. Administratively and technically the worst bank out there out of the 13 financial institutions I deal with on a regular basis. You've been warned. Stay away!


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Tried to open an account with Arvest. Successfully applied, funded the account and waited for more details from them. With no notice, no call, nothing, I receive a letter from Arvest stating not only that they are closing my account, but that I should never try to open an account with them again. After a call to support, I find out that I mis-typed the account number from the bank I was transferring money from, and that because of that my account is closed and I am not allowed to EVER have an account with Arvest. I have never been treated like that, it's absolutely insane. After this experience it's just as well, I have NO interest in banking with them and will advise anyone who asks to do the same. Absolutely the worst banking experience I have ever had, unbelievable.


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If I could leave zero stars I would. I went to the Arvest in Little Rock, Arkansas in Mabelvale Plaza and they are blatant racists! Everyone knows how the drive through works and the the employees have cameras to observe the vehicles waiting in line. Not only do they have cameras but the window between the drive through lines and the bank are crystal clear so they can see us just as much as we can see them. I waited in line for my turn, then when I got the front nobody came on the screen. I waited and waited as I watched the people inside ignore me. I had been waiting for at least 15 minutes, mind you the lane next to me is empty. In that empty lane a ** woman pulls up and within seconds she gets greeted and taken care of.


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A mobile deposit of mine didn't go through. So they locked my account. Later I found out they planned to close my account without telling me because they thought I committed fraud. Was with them 10yrs. No one ever apologized when the check eventually went through. They just took the money and still would not unlock my account. Gladly switched banks. No one needs this much hassle to deposit a life insurance payment. Horrible time in my life and I got treated like a criminal. Do not bank with them.


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I had my debit card hacked & I’m thankful for Arvest bank for shutting it down, but I’m on my seventh day without a debit card. When I could of went to a Springfield branch & got one on the spot but I wasn’t given that option. Tried to cash a money order for my son & I was a dozen times if I knew the person that wrote the money & I was also told a dozen times I would be responsible for the money orders if it didn’t go through. I know. You don’t have to repeat yourself & don’t make me feel like dirt under your shoes because I don’t have millions in my account. I have been with the same facility through all the buyouts & this is the worst I have been treated in 20 plus years.


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Something is wrong with this bank now. It was the most perfect bank I’ve ever been to and the nicest in Oklahoma City. I went to an array of banks and this was the bank that was kind to me when I walked in there. Online banking sucks and you cannot reach them 24 hours. Not a person, nothing. Something's really wrong at this bank and I will find out.


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Arvest has the worst customer service on the planet. They don't care about the people that they claim to in their ads. They are only out to charge you all they can and take as much of your hard earned money as humanly possible. We will be looking to move all our business somewhere else.


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A check mysteriously showed up on my account ledger the following day. At 5 pm and again at 8 pm it was not on that day's ledger. Next morning I check. Sure enough it posted and backdated 1 day. Caused me a lot of headaches. Arvest is picking a choosing when they want to make it show up so they can maximize their NSF's. I'm done with the dishonest tactics this bank applies. So long Arvest.


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Wanted to link a business account and personal account for online purposes. Was told the only way to do that is to start another account and cancel the business account to avoid any charges. Teller canceled account while on the phone with wife to see if there were any checks out. Of course there were 6 including a payment to that bank. She said sorry but it’s done and irreversible. Has caused much stress and will not be going back. No help from management or customer service.


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Terrible customer service both in branch and on phone. Management is incapable of explaining or transparency, everything is done assuming you are a nobody and they know everything. Every account has 3-4 “service” and “maintenance” fees along with an unexplained fee or two with no waiver. Do your research and find another bank or credit union. Find something that waives fees and actually values you for banking with them with customer service that actually cares for you more than making profit for some out of touch suit by bait and switching you. Online banking, credit unions and even a national bank is better than the out of touch policies and anti-customer tactics or Arvest.


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Hidden fees. Total lack of transparency, so much so that it appears to be intentional deceit. I feel as though I have to constantly monitor the activity on my account to avoid another “surprise.” I don’t like having such strong feelings of distrust with an entity that I am supposed to “trust” to handle my money.


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7 years of private banking and 3 mortgages and they sold my latest loan before the first payment was due. I thought Arvest held their loans but they only hold the servicing rights. So while someone else has my loan, I'm stuck with Arvest's long hold times, scripted responses and apathetic staff.


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They said I could open an account online so I did but before I did this I called customer service to make sure I could open the account due to I’m in California and they said yes. I get a letter pending status, called customer service. You have to live in the area to be able to open the account. What a waste of time and customer service doesn’t know what they are doing.


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Problems started with the passing of my Father. A teller informed my mother that Arvest had no intention of sending his December payment back to Social Security because it was payment for November. Cash was taken out to pay bills for January. Two days later she received a letter stating that she needed to return the funds withdrawn because Arvest was sending back the December check even though it was payment for November. It has been a constant battle between the Social Security office that is attempting to assist her and Arvest that is doing all that they can not to help. 


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Disappointing customer service. I typically wait 9-10 minutes for a real person to get on the phone. They did away with being able to transfer money online between personal and business accounts. They now charge $3 per transfer on the phone. They sequence transactions so that withdrawals come out before deposits, which results in the $17 overdraft charges. They only offer one type of overdraft protection. You can either have protection for debit transactions or check transactions, but not both.... even if you have another account with thousands of dollars in it. It's another way to ding you for $17. I have been a customer for 15 years, but as of today I am closing all of my personal and business accounts and taking my business to a smaller Fayetteville bank. I hope this review saves another customer from having to deal with them.


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I will never recommend Arvest Trust to manage anyone's money or property. They push smaller trusts aside while charging their astronomical fees to mismanage or completely ignore them and the beneficiaries. While telling members of their den of thieves "it wasn't at the top of my priorities"! Then conspire to hide their misdeeds. The Fayetteville branch has trust officers that don't listen to beneficiaries and treat your money as if it was theirs. Their property management division of the trust is full of flat out buffoons who conspire with each other in order to hide missing personal property to be auctioned or the sheer lack of property maintenance allowing property to languish to the point it is uninhabitable even after ignoring numerous requests for maintenance.


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Multiple false charges - I never do this but people should know and pay attention. Pls look at the charges on your account often. The fraud dept is gravely lacking and its cost is a LOT of money. We are going to switch banks!


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It's always a pleasurable experience when dealing with Arvest Bank. Their tellers are super courteous and very professional. They provide you with whatever information you need.


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Horrible service and treated terribly by staff at this and Malvern road location. Staff does not answer phone at location, and they also give deceiving information. Worst bank I have ever banked at in 50 years. Do not care about a "relationship" with their customer, even if you bring them a million dollar a year business account.


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I just wanted to make a quick note that Chase Bank was the easiest company with which to deal after losing my brother in an apartment fire. They responded quickly telling me what documents they needed and were quick to send checks for me to deposit into his estate. One thing that was especially kind, is they are the only company that returned to me his death certificate and my letter of Administration. These documents cost money to obtain, and the Letter of Administration was obtained through my attorney, which also costs money every time I need more. I really appreciate that they take the time to return these documents.


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I want to say a big thank you to Mr. Christopher ** for the excellent reception and perfect professionalism in his work. Thanks to the first meeting with him (as a new family in Pelham Village), we understood and believed that Chase Bank is the best bank for the client. Thank you a lot again Mr Christopher ** Chase Bank.


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Honest and dependable service. A solid choice in these uncertain times. Excellent credit services. I left my small town community bank for solid ground. JPMC supports local business. App has complete financial services and great educational material.


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Chase bank saved my money from many trouble sellers on online. They always protect me from being robbed. Thank you for being loyal and providing the best customer service to me. Thank you Chase! Thank you!


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I’m amazed at the interest rate at which Chase Bank provided me my car loan. Although I’ve been a member we for a long time, I have suffered from poor credit until Credit Boos Helpers did an excellent cleanup on my credit. Score jumped 180+ points into 792!


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I had a credit card in 2017. I had hired a debit service to pay and negotiate my account. I thought everything was fine until Sept. 2023. They report on my credit report as delinquent. I pulled credit report and saw this. I called number and all I got was a recording. So I was never notified and 6 years later it shows up.. It trashed my credit score and nothing I can do about it.


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I have had to replace my debit card for fraudulent charges several times. WITHOUT EXCEPTION the length of time required to receive the replacement card is more than 2 weeks even when promised in 2 to 3 days!!!! Absolutely the worst customer service ever!!!!


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I went to close my safety boxes. I have moved & drove 5 hours to do this. I had my DL and the document from the DPS stating my license is renewed and expires on such a date. I would receive my new license in 60 days. I also had my State issued CHL which has same picture as DL. You also have fingerprints run through the FBI to get the CHL. CHASE would not allow me to access my safety deposit boxes. Funny how if I had my Social Security card which has no picture on it, I could have accessed my boxes. The Barksdale Blvd branch has always been rude and unhelpful.


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On Sept 8, 2023, when I went to pay a bill online, I was confronted with Chase's "New Terms and Agreements". It is 125 pages of scintillating content as one can imagine. You HAVE to "agree" or you cannot access your account online. There was no warning. I mean, even Comcast, a renowned bad actor, gives customers notice of their price increases - which occur 4x year it seems. And they give a summary of the "highlights". Yes, it is also a bunch of baloney, but Chase is so arrogant they don't even try to appear like they give a crap. And who is going to slog through 125 pages of this particularly rancid baloney? I've read a couple of these, not just Chases', basically they say they can do whatever they want, whenever they want, and don't give a rat's ** about privacy. SURPRISE!


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One of their employee allegedly use my identity and open up a checking and saving account and took my disability check and lock me out of my original saving and checking account. All this is done over phone. You are not allowed by law to open up this type of accounts over the phone and when I found out about it Chase Bank sided with the employee and said that I didn't exist in their system. I had to fight argue with Chase Bank for 30 days to prove that I was the original customer that own these accounts and the funds were mine. After the issue was resolved Chase Bank made a decision that we should go our separate ways so I made a decision it was best. I did a review with Trustpilot. Chase Bank had trust pilot to suspend my account because they didn't want no one to know what the employee had done. 


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Bankers in Burlingame branch doesn't deserve their jobs. They take it for granted, and doesn't care for customers. Shameless Bankers should be shown exit doors. CHASE should Give jobs to those who want to do their work and open accounts for customers and not send them away for another day. SHAME. I am planning to close my account.


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Recently I closed all my bank accounts with jpmChase bank and I withdrew all the money the same day. It was not very easy, jpm Chase made a few major mistakes with me as a customer and as a person by talking down on me, trying to intimidate me, and by making me feel insulted:


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For no reason they suddenly closed my account and wouldn’t give me my money from the closed account, 3 months later still have not received my $2,100. I had just had my payroll direct deposited that day. I had nothing to live off of. Do you think they cared?? Heck no! Not one bit. Worst company in history. Do not trust them with your money. They will leave you high and dry.


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I had very bad experiences with Chase Bank. I wrote a check to my other bank for a CD deposit. The check amount was deducted from my Chase Bank account right next day, and I checked on my other bank that I deposited the check to had the money in it already. So I thought everything was ok. However, 5 days later I got a phone call from the bank that I put the money in saying that I got a return check that I wrote from my Chase bank account. I was so shocked, how could that have happened? I have more than enough money in the account to cover the check amount and the check was cleared the next day. 


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If you go Chase don’t go to the chase in Lancaster, challenger way. They don’t have any experience and they are so rude. When you call customer services to make complaint they don’t care about you then if you push them they close your account for bad behavior. You all ready know. Then don’t cry.


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I BOUGHT a Cannon R5 camera body from ** for $760. I entered my debit card info to complete purchase and my Chase account was debited for this amount by: ** Norwood. Cannon USA sells this camera body for much more and I thought it might be a fraud because their company was not listed as a San Jose, CA business as per their website and their phone number never connected. When I could never get in touch with them to cancel the order, I contacted/Chase fraud. Chase fraud told me it was a valid purchase as a tracking number was provided by the fraudulent company showing a delivery. 


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I had my account hacked today and spoke with reps in so many different departments from fraud to claims. NONE OF THEM SPOKE ENGLISH CLEARLY! For such a large bank if you can't understand and keep having to ask the customer service people to repeat themselves 20 times over and getting transferred back and forth, that's just IRRITATING. HIRE PEOPLE WHO CLEARLY SPEAK ENGLISH, OUR COUNTRY'S LANGUAGE. I've been with this bank for 10 years and it's never been like this. Stop hiring people that we can't understand! Screw diversity, we need understand our bank and money situations dealt with on a more professional level. Clearly you don't care enough about your customers!


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Absolutely horrible bank! My father died and per his lawyer I have literally everything I need to manage his affairs. This bank refuses to acknowledge my paperwork and is literally holding my mother's funds hostage while claiming we don’t have what’s needed. I think I believe a lawyer who’s been in practice for over 20 years and a friend who went to a different bank with the same documentation after their mother died, over these crooks! DO NOT BANK HERE!


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I had an auto bill charge my Chase acct. for $8.61 on Jan. 01, 2023. I had cancelled the auto pay acct. on Jan. 15, 2023 because I was not going to be in the USA for 4 months. I was unaware of the Jan. 01, 2023 charge. I was billed in Feb. & Mar. for $ 8.61. In April the bill had grown to $8.84 so Chase sent me a letter dated April 18, 2023 advising that they closed my account. I discovered this letter upon my return to the USA on June 25, 2023. Since I had been a cardholder since 2006, never missed a payment and had a credit score of 848, I called and explained the situation to a company rep. who advised he could not reinstate my card or restore my 8,984 points. 


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A Beacon of Hope in My Financial Ordeal with Chase Bank. Navigating the intricate channels of financial transactions, especially with substantial sums, can often be a daunting experience. An ordeal of mine with Chase Bank serves as a testament to this sentiment. I recently found myself ensnared in an unnerving situation, having initiated a transfer of a considerable $74,350 to a company from whom I had made a purchase. Much to my dismay and bewilderment, Chase Bank seized this transfer, leaving me in a state of heightened anxiety and confusion.


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We needed to close our safety deposit box in early August after having paid $125 full year fee on 06/30/2023 at a branch in Plano TX. We asked them to charge us for 3 month's rent and refund the rest of the amount. The bank refused any refund. But a dear friend of ours who closed a safety deposit box at the same bank a couple of weeks earlier and she was already 6 months into her rent was refunded on a proration basis because she had 50,000$ in her account. When branch manager refused our refund, we requested they elevate the matters higher up. We received a call from NY’s client service department and the lady was not willing to hear any of the details. All smaller banks refund portion of money when safety deposits are closed before a year is up. Why Chase cannot be that customer friendly. Irony is that the Chase Bank Plano branch told us that they would be shutting down safety deposit box service but timing was not set yet.


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During the age, when the country receive stimulus checks, Chase Bank decided to deposit the stimulus amount into my account. Without my permission the following two weeks they took the money back and when I called, they did advise that they deposited the money into my account. I asked him why would they do such a thing without my permission and they advised they did this to most of their clients! I instructed them that since they overdrew my account that I would not be putting money back into this account until all of my bills are paid.


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Initiated an ACH payment to an employee for $42,100 on August 13 to take place on August 14. His account is also with Chase. It didn’t go through, so I went to the Chase branch. After answering several questions to Gavin I was told the transaction was “verified and approved. The funds were released, and the transaction would take place within Monday night and Tuesday morning”. Those funds were destined to pay this employee’s tuition, which was due on August 15. The transfer didn’t take place on Tuesday. I couldn’t leave work, so I started my endless phone adventure. I talked to Mark, who again, after asking me all the verification questions, told me the transaction was verified and approved and the funds were being released that same day. 


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Only used dispute service a hand full of times. Been a customer for 20+ years. Notice that when I give them the facts of situation I feel like that don't believe me. Really turns me off! Other than that they are good. I guess they can't trust anyone.


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My experience with Chase so far is horrible. On 8/11 I deposited my check into chase bank. The check cleared my former bank the same day. On 8/14 the money isn't in my chase checking account. I call chase and a supervisors says that the money is not available because my former bank hasn't verify that the money has cleared the account. I make a three way call, get verbal verification that the check cleared the account, and chase still denied to release the hold on my account. Beware of this bank.


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I have experienced my Chase Bank account hacking and total of about $1500 are stolen by Zelle payments within a minute. When I called the bank and reported the incident, all the customer service representatives are extremely rude and their service was very inconvenient. It took for 10 days to investigate the case to give me the money back. Even though they g gave me the money back, 4 days later, they took the money right back saying that they changed their decision because the payment was made within the account. It doesn’t make any sense. I reported the fraudulent activity immediately to stop the payments without my recognition, I was panicked and devastated, but their service was very poor and rude. Very frustrating and no satisfaction. I am hoping they reverse the money back to me. Now I am seriously considering to seek for a legal assistance and moving my bank account to other bank.


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You can go to my account and see the multiple calls and visits I made to reconcile the work they said they needed. They would not allow me to use a debit account saying my account was frozen. They don’t follow through. They seem to be more confused than myself.


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So I deposited a large amount of money into my new account. They placed a hold on it, which is fine. But when I had a death in the family and asked them to lift the hold, I have been denied by the upper people in the company. They will not release my money any earlier even though I have a family emergency and they have verified everything and it came back good. Seriously thinking about switching banks, this is ridiculous. The hold department and a branch manager try and release my funds but it keeps getting denied, even with my current situation.


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I didn’t recognize 75$ charge they put in a claim. I later found out it was for a preorder that I thought already went through. I called and told them. I re bought the preorder. They took the money again because it wasn’t fraud so I then proved I already paid for the item send proof they gave me money back. Today a month later they took the money again and said, "Sorry we can’t refund you more than once on the same transaction." So they are just going to keep my 75$. So I paid for the same thing twice and apparently this is good business practice to them. I’m now fighting Xbox and they don’t have a number for you to call. I am so upset. Just isn’t right.


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Chase is currently holding all of my money hostage and refuse to allow me access it. I deposited a check from the North Carolina Department of Treasurer which they have decided must be fake. However, instead of simply calling the Department of Treasurer, they flat-out refuse. They claim they do not have a “verified number” for it and instead not only have put a hold on the check, but on my entire account. 


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Ongoing frustration with branch and overall bank rules. My two sons and wife bank with Chase. I bank with Banner Bank. Chase ALWAYS put a hold on every deposit; Banner does not. Chase charges fees for my son's account; Banner would not. I tried to deposit some CASH to my son's account as he was out of town and needed help. Chase will NOT let me make a deposit. They quote money laundering rules. They KNOW I am his father. Banner does not have this rule. Chase also screwed over my other son trying to open an IRA - said on the phone no problem. We get there and gosh, oops...they actually can't do it. On April 14th. Unbelievable. A TERRIBLE organization. My family will be moving to Banner.


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Just now tried to transfer money between accounts using my mobile app. Had to call CS. First she said it wasn't their fault THEN she admitted it was after she took the time to really look into the situation. So, went to my computer to try there, said my password was wrong. So call CS, was talking to a male, he argued with me an then HE hung up on me without really investigating what was going on. It did happen to be my caps lock on, my fault, which I didn't see until AFTER HE HUNG UP ON ME. Bank somewhere else is my advice.


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So I went to Chase Bank. Open an account in my name and my husband's name and in Florida I had fraud done where someone open an account in my name and I have the police to report. I still have my paperwork of where the person did the fraud so we went and opened a checking account because we moved to Missouri and Saturday they close my checking account and it was because of that fraud that was done in my name, and they said they won’t do any business with me even though I can prove that I had fraud in my name.


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I was told today that Chase would not take any responsibility if someone break into your online banking account and stole your money if the stolen fund is no longer on the thief account. Chase has zero responsibility and it is you to absorb the loss. The same applies for all chase checks. This is from the lady at chase bank check fraud department! I asked her what is the point of deposit money with chase bank when it is unsafe and she said, "It is best to keep it to yourself!" She also told me the policy keeps on changing. I cannot imagine chase to have chosen such a person to represent chase bank. It is even worsening to have this lady in the claim department! I can imagine nothing will get resolve. Chase might be thinking they are too big to fall and care none of their customers. You will learn when people start moving money out! Better run away from chase or else absorb the losses. They might be the one doing the fraudulent activities themselves!


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Don’t believe a word they say. I was supposed to be getting paid every but turns out they put hold on my deposits for up to 10 days and I guess they got tired of me complaining. They shut my account down after not getting paid for 10 days and now they put a 120 day hold on my money making me late for the first time in my life paying rent and not about to pay staff either and their rents. They will destroy your life and your business. Don’t come to them for nothing. They will only hurt you and treat you like crap when you’re trying to find out why every 2 weeks you have to wait up to 10 days to get paid when they claim they pay daily. Lol. They pay themselves daily and then make you wait forever and always giving you excuses of why you have to wait this time. The time this time it edges, never ends and when you complain they’ll close your account and put 120 day hold there, more business destroyer than any type of help to a business.


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They making me wait 13 days for my disability check because every time my money gets low they take what I have and put me over withdrawal. I never I had to wait this long for any government check and especially SSI and the people I talk to were some racist.


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I am currently in the process of moving to another state, and I am switching banks. I am closing my bank account out at Chase bank. I told them I needed to leave it open until all of my direct deposits got switched to my new bank account. The minute that one of my direct deposits came in to Chase bank They closed my bank account out without my permission and Denied the direct deposit. Now I’ve got to spend hours on the phone with the Military finance department to try to find out how to recuperate my direct deposit for my military pay. Then I’m going to have to contact Social Security and do the same thing with them. I did not tell the bank I was closing my account out yet. They just did it on their own. Now I have to go to all kinds of stuff to try to find out where my money is. I do not recommend this bank to anybody.


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I have to call Chase support weekly for one problem or another. I have been a long time 25 years, with Chase. I also have 30 other accounts from various business also with Chase. The problems vary. Today it is Zelle. Chase will not interact with PNC Bank. Chase has a habit of passing the buck. On average I get on the phone and get transferred 5 times. Repeat my story each time and ultimately almost always the same outcome. "The problem is not with Chase" but it is and I have to prove it each time by getting the other party on a conference call with Chase. I waste an average of 4 hours each time. This is the worst customer service and although an huge task and a major disruption of my business I will have to leave if they don't fix this. This all started about 4 years ago probably with offshoring.


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Amani ** is a complete liar. She led me to believe she had the buyer completely handled.. and the closing she missed, would surely close on 6/30. Not going to happen.. She blamed the agents for WRITING the contract that was executed on 5/22/23.. that had a close date as BEING Negligent. She risked the buyer's inspection money, earnest money.. the various inspections. He will likely lose it.. and CHASE assumes no reimbursement


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My wife and I have been going through this confusion for almost 3 weeks. There was a fraudulent person who got access to her acct. Chase was notified the same day it happened. They drag their proverbial feet every step of the way. They are complacent with the fraudster. They would not allow my wife to change her bank account number. AS my bank did when I had trouble (Credit Union). They just keep sending snail mails with veiled threats and never have offered an explanation nor a solution. Which makes me think they are in on the fraud systematically within the organization. Because if they kept allowing this monster to make claims and reverse charges for bills already paid, and Chase allowed it to stay open for this purpose, then they are in on it and don't profit depending on how much the criminal gets from the reversals. 


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There was a case of check fraud and they claim to be doing an investigation within a 90 day period, that drugged on for 6 months are more. When it was finally over they place the blame on the bank that gave them the fraudulent check and implied it wasn't their responsibility, after speaking with the other bank Wells Fargo they imply that case should have responded us our money from the allowing the president check to come through the account.


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I am a an estate executor for a friend that passed April 1st 2023. Chase has yet to release the held monies of my friend's Down Syndrome son. The family and I have complied with every request of paperwork, including the father's death certificate from 10 years ago. Chase puts nothing in writing but keeps asking for additional information. Despicable, take your money out before Chase holds your money hostage! Zero STARS!


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I created a new checking account, set up direct deposit from my employer. I did not receive the bonus! When asked they said this is some pre arranged ACH credit and not regular direct deposit. I have otherwise received bonuses from other banks without any hassle, somehow Chase tried to avoid the bonus with some lame excuse, don’t fall for it.


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Club Wyndham (timeshare) charged my VISA (chase bank) on 6/4/23 for a deposit. I called, went on website, wrote a cancellation letter and mailed it certified mail on 6/5/23 to Club Wyndham. I disputed the unrefunded $350 (Wyndham charged) on 6/12/23 with Chase Bank. It is 6/22/23 and they have not refunded my card the $350 or done anything about it. They give Club Wyndham 15 days to hold money interest free. This is unethical and white collar crime (stealing)!


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I don't know how someone can like Chase Bank when they have very poor customer service, and violate the customer privacy rights. The level of the service they provide is so low that they are not able to improve anything. Would not recommend this bank to new customers. Too many issues and inconveniences.


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The call center and reps were very unprofessional! Constantly was told different info every time I called. They held over $10k of my money saying I wasn't the one who funded the account. Turns out they were mistaken which resulted in a huge delay in my business. I will never work with these losers. Go to US Bank instead! They are way more professional.


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Took $12 from me twice when I made a withdrawal. No prior notification. Will be closing account asap. And their drive thru ATM has been inoperative for over 2 months..again no notification. And ATM only gives $20 bills.


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I will be closing my account when my paycheck clears, and encourage everyone to switch from Chase. This is the 3rd time a check deposit of mine will be on hold for 7+ days. My employer's HR guy got a hold of Enterprise Bank. They said adamantly that there is no issue to release my funds. Chase is a selfish greedy financial institution. My daughter's birthday is ruined because they are holding my paycheck hostage; I now owe late fees to several services. I spoke today with Chase rep Michael who told me "We cannot request anything with Enterprise Bank, because they won't communicate since we(chase) are not their customer." So I repeated what I had been told by a lady rep the day prior - June 9th(Fri) - "If your funds are not available by 3pm today(fri) then they should be tomorrow morning(today/Sat)". 


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With a busy schedule, ATMs are important to move money around. Beware, Chase ATMs are not operated by Chase, but by Brinks. Lost $500 cash deposit and Chase said it wasn't anything they could verify. I'll never do another cash deposit at an ATM ever again but it was enough for me to take my business to another bank. Disappointing from a large bank on every corner.


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I deposit my checks mobile and I know for sure it only takes 3days for the check to clear and Chase wants to hold your check for 2 weeks and it’s not fair especially if you need your money ASAP!! I would recommend for anyone to open another account to mobile deposit checks such as BOA, BMO, or Huntington your check clears automatically with them and it’s no long wait. Chase needs to do better than what they’re doing and also they need to lower the overdraft fees or charge according how much was overdraft because it is ridiculous to charge someone $34 for a $5 overdraft. I been dealing with this for a long time and needed to make this review because their team members are not bringing anything to their attention to better the company!


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In an era of unprecedented technology, Chase Bank has managed to elevate customer frustration to an art form, casting themselves as a tragically incompetent antihero in the arena of personal banking. My experience with them has been so utterly abysmal that it's evolved beyond disappointment and ventured into the realm of the downright absurd.


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I continue to receive unjustified 7 day holds on literally EVERY check I attempt to deposit. When being informed of this via ATM, it is literally impossible to abort the deposit. I can not IMAGINE the millions of dollars they make off floating deposits this way. I believe I have identified multiple violations of the Funds Availability Act in their conduct with me. Customer service is utterly useless. I meet NONE of the federally mandated criteria for extended holds. I will be closing this account as fast as possible upon payout of my now ~1000$ held hostage. Certainly, I was informed, only AFTER it was engineered I could not abort this transaction. I'm obliged to wait and hope, but I have zero confidence after holds were put on two $20k checks issued by THEM, deposited with THEM, for what works out to just shy of two weeks, when weekends are factored. ** Chase.


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Chase does not honor their written policies on overdraft and will discriminate people who have to use overdraft often and refuse to honor their written limits on the service. I am on SSI and I activated overdraft for those times at the mid to end of the month when I am out of things like food and need a little extra. I stay within their limits and keep my total under 50 bucks over. Because of that they never make any money from my overdraft and feel they have the right to dictate and control my overdraft spending. If I was spending over and getting charged a fee they wouldn't even bother to decline... This has been going on for several months. They are the worse bank I have ever enrolled with and don't advise anyone to open with Chase as they discriminate!


