TD Omdömen 

I have been actively trying to improve my credit for over 5 years with 0 missed payments but based on my past, they continue to decline my request for a credit card (even a guaranteed cc) the agents I've seen at the branch are unhelpful and don't do any more than they have to, to help. They dont give me any suggestions or precise reasons why. Instead, they just remind me that my credit is bad. Terrible. I though TD was better than other banks and they have been until recently but they are all the same. All I want to do is get a credit card to better my credit score but they are unwilling to help. FAIL.

TD filed an ACH dispute for me about a global transfer that does not work. Then they closed the dispute without investigation, advising or coming up with a solution. There is no customer service, no review by them, no follow up, no global transfer and no communication with customer.

I was about to deposit money but could tell there was a problem.
I asked twice what was 'wrong', and finally told them to 'Stop' and explain but was ignored.
The staff later confirmed they knew they were
putting my money into a frozen account and it was gone!

"I receive exceptional customer service from the staff at my branch at 1096 Lansdowne Street West, Peterborough. As a coin collector, I visit the branch from Monday to Saturday and the staff members, including Mariya, Landree, Lindsay, Sanron and Melisha, always check the coin slots to see if they have any coins I am looking for. They greet me by name with a smile, which makes me feel valued and appreciated."

The worst TD with the WORST management
Mel Shemshedink, Commissioners Rd ,London ontario
Honestly, I have been dealing with TD for more than 15 years but Never Ever see BAD service operating but POOR RUDE disqulaified management like this branch before.
Every two weeks I deposit my cheque from same place same account same owner and almost same amount , and usually when I deposited anywhere no problem in seconds . But when I deposited in this branch I had to wait at least 10 minutes keep checking for the cheques ,dealing with you like you fake your cheque !!!
And keep asking you stupid questions, like where you live,...
They don't have any professional background to just look at the history check the deposits history which no change in months !!!
The only branch I feel the employee are getting non sense in dealing with customers because the non sense manager she leads them. Poor employee and I'm changing my bank for sure . And hopefully TD look one time to Google review and take an action and sending auditors which Obviously would detect the issue there and hopefully we see new manager there soon.
The one in highbury and Fanshawe is amazing with an amazing manager lady ,don't know her name but I had an issue before in my cheque and was a big issue (letters in name ). But because she is professional and expert could figure out the mistake and the solution right away and releasing my cheque right away. Amazing service in highbury and Fanshawe one.

TD Bank on Belmont ave in Haledon, NJ...is the worst bank ever, the ATM's never work and is always broken and when you go inside to do a transaction the Tellers are rude and have attitudes. Customers should be greeted with a good morning or hello but instead the tellers act as if they don't want to be there. forgot to add they are very slow.

Came to my branch to open an account for my daughter. The branch manager told me that they are going to close in about 15 minutes so she doesn't want to start the process as it might take longer and told me to come another time.
This used to be a bank with good customer service, NOT ANYMORE

TD bank was the worst banking experience I have ever had in my whole 28 years of being on this planet. For starters, they do NOT have security alerts if your account gets hacked to which they recommended I get a credit card even though I am rebuilding my credit and I would get denied anyways.
My account at TD Bank got hacked a total of 2 times without any alert notifying me. I had to have my card replaced twice in which the last time was the final straw. I ended up owing them due to having overdraft fees occurring even though the debit card was destroyed and the account was pending being closed after trying to get my money back from the previous hack. I would NOT recommend this bank to anyone. I have switched back to BOA and have never been happier.

I cannot get into my account with correct info. I was told for security I need to prove who I am and would text me code. I never recd. I called the MOST INCONVENIENT BANK and was told if I didnt get the text to ask them to call me which I did. Never recd call. After about 8 minutes I recd text with code. When I entered was told incorrect security code. This is the worst bank ever!!!!!!!!

I have been with TD a LONG time- and possibly this is the final month. It started simply - over the last few years. Not just the sudden price gouging, more and more hours and personnel reductions - but in Dec I received a notice of 'non-use' of a credit card. I was told it would be closed unless I used it within a certain term (well past the end of month) - and then they sent me 0% balance transfer offers. So I decided while in personal transitions as is, I would take advantage of the offer, keep the card in good standing - etc - by doing a mini consolidation. I calculated the exact balance transfer fees vs other payoff amounts and overall cost to pay over time with 0% vs other budget, etc. I called TD to confirm the fees, terms - and customer service had no clue except to give me the 'script speech'. In any case, these were smaller amounts so I went ahead. But with holidays and slow mail- when transfers could not be completed online or over the phone, I made sure that the mailed checks they sent me would be appropriate. They told me as long as I mailed them prior to Jan 10 - and, also that the numbers on the checks corresponded to the offers.

The first online attempt failed. Why? my credit card had already been placed in a 'close' mode with TD internally. So I had to call in and request a reinstatement. The second online attempt was fine. The third and fourth - had to go by mail. So I checked with them again- same answer. I even asked- since I have no control over what the receiving company schedules were -- what would happen if they processed after the Jan 10th end of offer date? Again- I was told- it was on record I called, the numbers on the checks corresponded to the offer - I would be fine.

I received my statement today. Not only was there some strange messages on them- I also had figures that did not correspond to any 'subject to interest' balances and there was interest charged; plus -it stated that one of the items -- received by the debt company on Jan 5 but not processed until a few days ago -- is NOW FULLY INTEREST CHARGEABLE STARTING NEXT MONTH PLUS BALANCE TRANSFER FEES.

I thought- ok, I had all the notes to call them and work this out, right? NO.

Instead I was rudely told I did not know what I was talking about - they spoke over me and told me I was speaking over them and their 'computer notes' were more accurate than my experience. They refused to address the mathematical sum that did not add up to any other figures in the account - and hung up on me (2 different people) and basically treated me as if I was ignorant at math and banking. I even told them I worked in banking in the past. At one point -- one person even told me that "balance transfer subject to interest" was the actual interest payment due (until I pointed out the interest was a completely different column AND figure) -- and my guess- they are trying to write up notes in their system to cover themselves AFTER they were the ones being rude to me.

In addition, I have some medical bills and a sudden leaking shower and they had sent me a personal loan offer the other week. That is a separate department. Not only was I inquisitioned heavily, that department sounds like an outsourced loan agency that has zero visibility to my nearly 15 yrs of banking history (many multiple accounts) there. So not only was my credit score dinged, they kept asking for other documents from TD internally (note- TD also had changed some of their statements to quarterly rather than monthly) - and, had a higher interest rate than my other banks.

So, at this point, they have lost all of my trust, and I do not want my money with an institution that has so much internal disruption and chaos. It is time for me to find another institution ASAP, especially for the USA side. I cannot feel comfortable knowing I will be treated this way by people who could not do math on the other end of the phone to begin with.

The last 2 events occurred within the last hour. At this time, I am prepared to find another bank tomorrow. I also have written several complaint emails to secure customer service messaging for them to see later in which I have clearly stated that I felt tricked into the 0% offer (since I already had suggested I cancel the balance transfer idea first week of January and use other methods of consolidation or payoff if I was going to risk any interest payments) -- and am prepared to report this to banking regulatory agencies as well as social media ASAP. I never realized they thought so little of their customers or employees to have such a horrible environment - and surely this will enforce a huge exodus of business from their corporate institutions. I may give them one more chance- but as of tomorrow, I will be shopping for banks that still want to service humans and not just steal their money with legal loopholes and lies.

Horrible customer service . These people suck. My dis had a bank with them. She had so many problems money missing and etc. reported it many times fraud. They took money out and didn’t tell her she supposed own money. I’m not sure how when she reported fraud. These people either don’t care or are stupid. They should have wrote it down there was issues with someone attempt to stuff to get account as fraud. Yet never did that and now coming after her for money either thow she reported as fraud numerous times. Beware this bank is a fraud and scam. Go elsewhere.

I've never had such a bad experience with a company. Please choose another bank.

Julissa from customer support was very nice and helpful need more people like her working as tellers 🙏🏻

We have several checking and savings accounts. There are TD debit cards attached to the checking accounts. When we opened these accounts we CLEARLY specified daily limits on ALL TRANSACTIONS with these cards as a security measure. Recently I needed to have one of these card’s reissued. I sat down with a banker to set the PIN and MAKE SURE ALL THOSE LIMITS REMAINED. When my wife needed to have her card reissued we discovered that those cards had been RESET to the TD MAXIMUM. We had no communication that was to happen and certainly DID NOT REQUEST IT. That meant we were walking around with cards that had a $5000 Visa purchase limit INSTEAD OF THE $200 LIMIT WE HAD SPECIFIED. NO NOTICE NO COMMUNICATION THAT LIMITS WERE ALTERED. This is a HUGE SECURITY PROBLEM. All someone had to do is access one of those cards and start charging after correctly guessing the 4 NUMBER PIN. Bank branch banker could only guess that the limits HAD BEEN AUTOMATICALLY RESET WHEN THE CARD WAS REISSUED. WHAT????

If I could leave zero stars I would. This place is a rip off. I got a zero interest loan for a bed. One payment was late, ok my fault, I get charged a $29 late fee. I get a letter in the mail that my next payment is late. No just checked my bank and it was not. Call TD bank and now I am getting charged a $40 late fee because the statement are always a month behind and my dec payment is late. but it is 11/29 not even dec yet. Answer this? no answer. bunch of thieves!

TL;DR I'm forced to pay $3500 in fraudulent charges

It’s sickening that TD Bank has rigid high standards for its cardholders, but will not stand up to extreme credit card fraud. When I opened a credit card in 2023, it was a triumph after initially being rejected in 2018, then spending years building credit. The banker told me to use credit exclusively because it was safer than debit. I have been painfully let down by TD Bank and online banking.

To use mobile banking for my credit card, I had to add an authorized user. This is because the app opens with a pop up. I dismissed it many times, but eventually added the requested information, naming myself as the only authorized user. Since I already had a card, I did not expect another one. A second card was mailed to me without my knowledge. It was stolen. By the next month, there were about $3500 in fraudulent charges on my account. I did not see & report those until four months after the last fraudulent charge.

Last summer was rough for me. I suffered an injury and had ambulance bills. I spent an enormous amount of money on an important move and was packing up my life. My grandmother was ill. I did not have a debit card, so all of my transactions were on credit. The summer’s pain dragged on into the fall when I realized my account had been defrauded.

The first fraudulent charge happened so quickly after the card was mailed (six days) that I now doubt it arrived in my locked mailbox. By following up with merchants, I learned that my card was used with a fake ID to buy a phone & a phone line two weeks after it was mailed. None of the agents I’ve spoken with know for certain how the card was activated, but you told me that it had to have been done online. It’s unlikely that one of my two devices, a phone and a laptop, was used to activate the card. At the time, I lived alone.

As a user, I expect online banking to flag suspicious activity or at least to clearly show cards and transactions. TD Bank takes no responsibility for stewarding my account from theft & fraud in that way. I was not notified that my account had a second card added to it, so there was a break in the chain of custody. No one was watching the card activity. In comparison, Discover alerts me to card activity daily so that I can review it.

During that difficult summer, I made two mistakes - I interacted with a frequent pop up in my mobile app, and I did not export the PDF statement for June until four months later. The second card is only visible on the PDF export. The pattern of spending on the second card is clearly fraud when I can see it.

The amount demanded is about 10% of my net salary, before rent. I feel gutted - I have lost sleep and appetite due to stress. I had started applying to professional development programs, but will now have to postpone my dreams to pay a thief’s debt. TD Bank has continued to charge late fees and interest during the past two months when I have been calling the bank weekly to dispute. To avoid interest, I would need to pay in full with the gift my grandmother left me in her passing. I am crushed.

I acknowledge these agents for helping me - the Harvard Square branch opened my account, the Brighton brank aided my filing a claim. There have been five calls from collections. I received help from customer support agents & a manager. Investigations, Credit Card Services and the chairman of the board team spoke to me at length. These friendly representatives professionally enforced an impassive policy that ground me down until I gave in and began to make payments again.

Today, TD Bank has managed to squeeze about $4000 in fraudulent charges, interest & fees, but has lost a truly lifetime customer. I learned about bank accounts for the first time while on a Girl Scout field trip to TD Bank. I looked for the big green door handles any time my parents took me to the bank. I trusted TD Bank with my checking and savings, but my money is not safe with you. Your process simply isn’t justified. It certainly doesn’t work for me. My parents are likewise chary about their TD accounts after witnessing the extraordinary way this bank handles fraud.

CFPB Complaint # 231108‐12453638

TD Bank customer service is extremely unhelpful with any issues that arise with your account. I have a mortgage with TD bank and there are always withdraw issues almost every 3 months despite having an automatic recurring withdrawal setup. They withdraw whenever they feel like it and it's a mess trying to ever ask anyone over the phone for help. I also had surplus money in escrow and for a whole month there was a ton of confusion between the in person branch and mortgage division on the phone regarding with happened with the surplus. Do yourself a favor and choose another bank. Too much unnecessary headache.

Call me crazy, and a few have, but I cannot find the 'log-out' on the TDcardservices website. And I'm sure I'm not alone. So in it's lack of wisdom, instead of making that function obvious on their site, they came up with a solution, just stay logged on and inactive for 10 minutes and THEY'LL log you off? Sickening!!

TD Bank HELOC (tapintoequity.td.com) is a total waste of time! After 20 days with a 800+ credit score, 1 million dollars in real state and a 6 figure salary the loan was denied.

If I could give them zero stars I would. I have had nothing but negative experiences with TD. The best way to sum it up is like this... If Satan worked at a bank, it would be TD