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TD Bank
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411 complaints
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TD Bank - poor customer service

Back in early January, 2013, I called the bank to stop a payment on a check made to an auto loan, I feared the check had been lost in the mail over the Holidays, and gave them the check number, they processed the stop payment and charged me the fee, which I had absolutely no problem with. I expected it. Last week, I paid this months bill to the auto loan on the telephone authorizing the money to be taken out of the checking account, and the bank stopped the withdrawl saying there was a stop payment issued, even though they had allowed the withdrawl in January, February, March and April. I immediately calle dthe bank and they admitted that it was a mistake on their end, and categorized it as "human error." But, in the process, the customer serice was abysmal. The woman to whom I spoke was rude, degarding and extremely condescending on the phone, whne I called back to complain I was told that she handled the situation correctly, and they didn't believe she did anything wrong. Not only is this back charging fees which are horrendous but they are treating their customers like a pile of crap in the process of doing so.

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TD bank is a scam with their " pending transactions ". I just sat down with a branch manager for over and hour trying to figure out exactly what they are up to.. Basically, when you make a purchase with available funds. They remove those funds and " withhold them " to ensure the amount gets processed some days later when it " hard posts " to your account. If your account is negitive at the time of the " hard posting " then you will get hit with an overdraft fee. Even though those funds have already been "withheld" to ensure they will process at the Point of sale.

In the words of my local branch manager " The way TD bank operates is very deceiving, you can get overdraft charges twice on the same transaction if it made your account negitive at the point of sale, and at the time of the ' hard posting', a 'double whammy'. You should always keep money in your account."

It's very confusing but if it has happens to you then it makes perfect sense. Complete scam. When your bank tells you they are " deceiving " and overdraft twice on the same charge. It's time to get a new bank.

Example, make a purchase at subway for 10$ on a tuesday when you only have 4$ and your bank will " pend" the funds for a couple days. They take the funds immediately and hold them, so you ARE spending the $ at the time. Your bank will be $6 negative. You will get charged a 35$ OD fee at this time. The subway 10$ transaction will show as " pending " on your account

Bank balance is now negative 39$.

Don't make any more purchases, leave your bank negative for a few days, until the 10$ you spent " hard posts" to your account.

You get charged another 35$ OD fee at the time of the "hard posting"

Bank balance is now negative 74$ from the same 10$ purchase

If you don't believe it I encourage you to try it.

I've never seen any bank practice like this, and I've had several of them. They actually refunded me 70$ on the spot because of this deceiving tactic.

If your like me and live paycheck to paycheck. Avoid TD bank. I closed my account immediately after I found out about this nonsense.

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A
10:22 am
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TD Bank - missing money

My relatives have been having problems with this branch for years. The problem that it is known for is money (minus $10-20) gone missing after you deposit it in person. You will get a phone call after a few days saying the rep has miss counted the money or the money is missing. However, at the time of deposit, the rep counts it twice and confirms that it's correct.

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M
May 02, 2013 11:50 pm

The second time that this happens, you should change banks.

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D
11:38 pm
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TD Bank - sneaky overdraft tactic

Well I am a business owner with all the money that goes in daily it's hard to keep track so every morning I get up and check my accounts, if I need to pay a bill or a debt is coming out if needed I run to the bank in the AM for a quick deposit just so my account does not overdraft. Well that's exactly what I did this week ran to the bank to deposit money, everything was great showed no overdrafts than get a letter mailed 4 days later with $105.00 in overdraft fees than I check online and my account shows nothing with overdrafts but the woman on the phone lea who's supposed to be a supervisor said well because of a pending transaction that was being held that's what caused the overdraft of 3 other items that came in but again the funds have and were always in the account! As soon as I can i will be switching to chase because TD is definitely pissing me off...

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TD Bank - overdraft fees!!!

Deposited my check after 2:00 aware that i could not use my funds (was told i could only use 100.00 for that day only) until the following day, so I did as told. I checked online that night and i was still in good standing. The next morning around 11:00 i checked online banking and to my surprise I was over drafted $170.00! I called the bank. They did not seem to care. I did not fully understand what was going on and what happened to my money. Before i knew it my overdraft fees was out of control. I decided to pay off my overdraft fees even though i know I was robbed by TD Bank. I plan on closing my account ASAP and maybe try to seek legal action! Please beware and stay away from this bank.

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J
Jun 22, 2013 11:50 pm

Although my problems were not this bad I can relate to a degree back in May of this year I did ask for a copy of a check to be mailed they forget my issue was the way I had to id myself to check the status of the check now I have no problem in preventing theft but to have to tell them when was the last time a purchase was made was a bit much. I am still scratching my head why they insisted that would be better off on going to a branch instead of having them mail it. What the heck was with that. The request was made it was in reason but they insisted on going to the branch. Another favorite this happened several years ago was asked to take part of a survey told the person wasn't interested but they did try to insist on it? They claim they are America's best bank, if you don't mind in dealing with a ### they are ideal. Long story short went back to valley.

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H
May 08, 2013 11:50 pm

I deposited paycheck and I was told that next day I have access to 100% of funds, but that was not the case at all. The Bank does not want to take responsibility for their misleading actions and due to the fact that I suffered losses.

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TD Bank - overdraft fees

I went into td bank this morining with my son. He had an overdraft fee of $140. Oo. On account history it was a positive balance and showed no returns all for 4/8/13. The overdraft fee was dated 4/9/2013. Thought I had it resovled with the bank to 0 balance so we could close the account. He had one item pending so could not close the account this morning...

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TD Bank - 8pound metal piece falling on me at tdbank 224 w. 57 street new york

When I started my company "Love at first Bid". In the fall of 2011 in New York, it was suggested to me that TD Bank would be good for my business. This seemed a good idea untilnovember 28 of 2011. On that day, while opening the door to enter the td bank, a rectangular approximately 8 pound piece of metal fell off the door, barely missing my head and landing...

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J
9:34 pm
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TD Bank - america's most inconvenient bank

Took repeated visits to the bank and multiple phone calls, wasted a lot of time on the phone trying to get these dumbos to change one savings account to another type, and they still haven't done it. This is one of the worst banks I have seen. I should have heeded my alarm bells when I opened the account a few months ago, they did it fast but made a typo in...

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10:14 am
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TD Bank - refinancing

I am very upset with TD Bank processors!!! They are forever being out and changing what they need from me! Now they say they can't do anything for me unless I give them $10, 000 for refinance closing costs! Ridiculous!!! I really wanted a local bank to help me! I thought they were the answer!

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C

TD Bank - creative debit arrangement

Like so many others TD Bank has been overcharging various fees. I worked 16 years in the banking industry in NYC and have never seen a bank finagle the debits like this bank does. Informed them that debits are done in date order not highest to lowest. You would think with a lawsuit on their hands they would try to appease their customers. When I questioned their tactics I was told that this is what I signed up for. Informed them that with the new year coming there will be a new back coming.

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TD Bank - money paid for safe deposit box, billed again

I am so upset on TD bank. I paid them my safe deposit box money a year ago on Jan 4th. They still have charge me after a year. After 3 months of opening the safe dep box acct and paying them money in advance, TD bank start sending me reminder notices that I did not pay them. I went to their branch 188-10 Hill side AVe, Hollis Ny Tel 718 464 2183, met with...

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4:48 am

TD Bank - check written out however never received amount

I deposited checks at the ATM and the amount in which was deposited P never received however, The money was taking out of my direct deposit account. My statement did show the deposits as well as the with draws as well as the full subtraction from my direct deposit account. I called and spoke to so many people about this problem. The results was that I was at fault and that I did receive the money in its full amount which there computer showed deposits, withdraws and all transaction, I was held accountable for my wrong doing but the majority of the money that was incorrectly subtracted from my account I never received.

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TD Bank - checking account

After cashing my paycheck, I checked my account online. The teller made my paycheck a check agaist my account, and now the account was in the red. When I called and spoke to the VERY rude manager Lauren, she told me there was nothing she could do. I would like her to be repremended because now my son is sleeping in a dirty diaper since I can't go out and get any.

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U

TD Bank is the absolute worse bank around. They talk about their customer service, yet they have terrible customer service. They incorrectly charged me $210 in overdraft fees even though I had funds in my account to cover my transactions. I called, asking what in the world the $210 was for and that is when I was told it was for overdraft protection. I was so upset and did not understand why they were charging me for overdraft protection when I had the funds in my account to cover my transactions. The told me it was an error, and that I had automatically been signed up for overdraft since I used to be a Commerce customer. That did not make any sense because I didn't have overdraft protection for Commerce either. They reversed the $210 charge. The next day, I had another charge for $105. Apparently, when they took out the $210 there were other transactions that were pending which could not be paid because of their $210 mistake. So even though my account should have been in the positive, it was in the negative and they had the nerve to charge me $105 overdraft charge. I called and explained the situation, they even looked in the notes but refused to reverse the $105 charge. If they had not mistakenly charged me the $210, I would have had enough to cover the remaining transactions. This bank is terrible. I am cancelling my account immediately.

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so..the same thing just happend to me 3 weeks in a row..i had the funds in my account and td bank has charged me a 210.00 overdraft fee..refunded me that...then the next week they charged me a $70 and a $105...then refunded me that finnally after hours of complaing that i had the funds in my account . After all that was fixed i get my payroll in and they charge me a 105.00 overdraft yet again and refuse to refund it back and tell me I'm wrong. I would have had enough money to cover my transactions if it wasn't for the previous over draft fee..I have a one year old son and now im wondering how im gonna make ends meet this week because of there negligence. MOST HORRIBLE BANK EVER...my story is very similar to yours

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N
10:26 am
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TD Bank - id theft

Bank officer admits to help steal customer’s identity, then bank sues customer By Jessica Farrish Heartland News Service Jessica Farrish Heartland News Service A West Virginia businessman is being sued by the same South Carolina bank where his identity was stolen by a loan officer in 2006. Bank officials at then-Carolina First Bank in Hilton Head, which i...

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2:42 pm
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TD Bank - disrespectful representative

I called to fix the mistake they did on my balance. I explained my problem and she keeps saying I was wrong and she wasn't making me talk. She was disrespectful and I told her I'll call back to review my bank history because I wanted to calculate everything and I did just now that I am right. When I said that I'll call her and I said it twice, her response to me was " what for ? you're not right " And she's making it look like I'm poor or something was very offensive. She said " are you saying that you're not supposed to owe us money ". The last time I told her that I'll call back, she didn't say anything and she hanged up.

Never in my life that I was treated like this. I feel so discriminated and i feel so much hate. Everyone tells me I'm nice and all and I et treated like this. That girl should lose her job.

Like even if i was wrong she had no rights to act like that to me.

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10:33 am
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TD Bank - overdraft complaint

I was advised to close my TD Bank account online and that going to the branch would not be necessary, I could send a message online and it would all be taken care of. I sent the message on 9/16. on 9/17 they accept an electronic debit from Midland National Bank AFTER they were advised to close the account and tacked on additional $35.00 fee. Now the account is overdrawn and they wont close it until there is a 0 balance on the account. THIS IS USUAL TDBANK BEHAVIOR and it is the reason why i'm leaving! had i gone to the branch and closed the account, the account would have been closed right then and all transactions bounced. its unacceptable that i spend my money on fees after i asked the bank to close the account!

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Update by milly716
Sep 25, 2012 10:48 am

it was a legitimate concern/complaint! some ppl have better things to do than sit around on boards and NOT HELP someone! stay off the boards! nobody needs MORE ### to deal with ###!

Update by milly716
Sep 25, 2012 10:45 am

you mother is the ### ###! stay off the boards if you dont have anything constructive to say!

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C
Nov 20, 2012 11:50 pm

It was not a legit comment or concern, person was just trying to get out of a payment and should know it takes two days to have things closed out. If they would have taken the responsibility to know their bank procedures and keep an eye on their money and account. grow up and be an adult and take care of your stuff, you know you were just trying to get out of paying a bill you owed. Pathetic

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5:49 pm
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TD Bank - lack of customer service

TD Bank blocked my debit card after I purchased tickets in London over the phone because " the transaction was unfamiliar" to them. TD Bank never contacted me and the only way I knew they had done this was ten days later when I was denied the use of the debit card, on-line banking and phone banking services. I was forced to go into the local branch to find out what was going on and it was only then I discovered I had a "hot card"! Apparently TD Bank cannot use the several phone numbers or email addresses it has for me to alert me or spare me the embarrassment of being denied access to my own money. Wait it gets better! The next day I received 3 calls from the 3rd party Quebec based survey company that TD Bank uses and which DOES have my number and knows how to dial it. When I called to stop the madness, TD Customer Service supervisor advised me it is not their policy to inform customers that their card has been blocked. Simply not their policy to spare customers embarrassment or leave them hanging without access to their own funds.

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11:45 am
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TD Bank - Retains lawyers that will violate your constitutional rights

TD Bank uses a law firm in Hackensack, NJ. for collections named Winne Banta. They have filed for liens with the court using incorrect information and withholding pertenent information that would cause the court to deny the liens based upon funds being exempt from this type of action. In condoning this behavior as well as maintaining relations with Winne...

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M
9:38 am
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TD Bank - mismanaging accounts - overdraft

The overdraft thing is inappropriate and I feel illegal, charges need to be filed against them and they need to be investigated. I walked into the branch last week due to an overdraft fee of $210!!! When I watch my account religiously and always know what my balance is and what is coming out... considering I schedule all the payments. (This was after I wa...

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8:31 am
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TD Bank - horrible

Strike 3!

In late may/early june I was going away on vacation out of the country. I stopped at a branch and told them specifically I will be out of the country and do not freeze my account for strange charges for a week.. First day on the cruise what do I get frozen account.. Strike 1

One month later I took my lunch and went to go fill up my car with gas.. Live in nj so they pump then charge, card got decline, walked into the little to go store they ran it just in case card still declined.. Walked over to the atm tried to take out money with more then enough in my account still declined... Called customer support turns on visa cancelled my card due to fraudulent activies by a company I recently made a purchase at.. Td bank did not warn or notify me of my card cancellation. I have one other credit card for emergencies I do not like to use and if I didnt have that I would have been screwed.. Strike 2

Went and took 300 dollars from the td atm in my town.. Atm gave me 260 bucks.. I counted it 5 times before calling customer support. Was repeatedly put on hold until they said the atm ran out of money and they will credit back the 40 dollars by tomorrow morning.. Next day no money... Called back and they said since I took it out after 10pm it is the next banking day and will get it back the next morning.. That morning came still no cash.. Called the local branch they tell me that the customer support is wrong and that they are lying to me and that they have to audit the atm to see if it is over 40 dollars.. At that point if it is they find it over I get my money back.. Conflicting stories strike 3!

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L
Nov 04, 2018 11:50 pm

I went to 4 different TD bank branches for help since I was not able to login to my easy web. And I still cannot log into it and the problem still persists. It says your information does not match with our system. Even their managers are not trained properly !I will close my account for good tomorrow. WORST BANK EVER!

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L
Sep 19, 2018 11:50 pm

I will continue to provide more information when I call in.

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U
Sep 10, 2018 11:50 pm

td canada trust are the most uncaring and ignorant bank I have ever dealt with. I have be a customer with them for over 50 years. I have in the past year asked for some help only to have them raise my interest rate by almost 200%.
They are predators! Do not deal with td canada trust!

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G
Sep 03, 2018 11:50 pm

TD charged my account a fee for a withdrawal by a company that I'd instructed notified not to draw money. I deposited the money to cover all costs but TD still charged a second fee and added the amount they returned so my account would continue to be in the red for sixty days and they could close my account without notification.

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L
9:39 am
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TD Bank - service

Is anyone interested in starting a class action suit against TD Bank? I have had a horrific experience with them and I only just opened my account last week! They've held both a check I deposited AND cash, saying because I'm new, any deposits have an extended hold. A check, I can understand holding for 2-3 days, but a cash deposit? There's no justification...

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