TD Bank
reviews and complaints

Twice last year I was hit with $56.50 late fees for late mortgage payments. I use the web portal at https://tdbank.billeriq.com/ and the bill doesn't appear on the first of the month (maybe the 3rd?), and I think I get slapped with the fee if I don't pay by the 15th. In one case I paid on the 18th, and in the other, the 23rd. Each time this happened, and it almost happened again this month, it's because I pay all my bills at once on one of the first days of the month, and the TD bill wasn't there yet in the web portal.

I'd pay early or with a scheduled payment if the web portal told me how to. I don't understand why TD is charging me a late fee when it's only been possible for me to pay for about 10-13 days; Shouldn't I have a month? And why is the fee so high? It costs TD very nearly nothing if my payment is a few days late. They could at least pro-rate the fees. If I only had to pay for the days I was late in paying I think that would be much more reasonable - then I'd have been charged about $20 instead of $112.

Hello, I'm a deployed veteran. I spent the last 9 months in the middle east while serving in the military. I had direct deposit set up with my td credit card account. While I was overseas, my direct deposit was no longer taking money out of my account and TD now said I had two late payments. When I finally came back to the U.S. after my deployment, I was seeking help from TD to remove the late payments from my account. TD refunded me my two late fees, however I still had two late payments reported to the credit bureau. TD had given me the address in which to mail or fax my information too so I can have them reach out to the credit bureau. I provided all the information I was asked for, and it's been several weeks without any follow-ups. The credit bureau hasn't received anything from TD after I reached out to them. I've been on the phone with TD multiple times in the last month and I keep getting transferred with my problem being unresolved. These two late payments they reported to the credit bureau have caused my credit score to drop unbelievably low to an extent that I can't even get a loan to buy a house. What TD is doing is adding to veterans being homeless. I can't stand this disservice.

I have had a bank account with TD Bank for over 20 years, banking when they were Commerce Bank. I am a school teacher and I deposited my check into the the mobile app for 1048,98. I also work at the Hilton in which I deposited that check into the mobile app for $753.58.. The school check was deposited on Saturday and the Hilton check was deposited on Wednesday. Both were done by a mobile app. Thursday some of my bills called and informed me that they had been returned. I immediately checked my account and noticed there was a hold on both of my checks. I called the bank and was informed that the hold was to ensure that the check would be paid. This very week my grandmother died. I was had nothing but $66 after putting 2 weeks of checks in the bank. I called supervisor who can not give me a reason for the holds. I am devastated because I can not get out of town without money. I will be closing this account as soon as I can. I no longer feel this bank is safe. They do not care for their customers.

I was trying to receive help, and one of the workers, a tall man with eye-glasses of east-asian descent, I believe his name was Daniel? I tried to approach him and he completely ignored me, walked pass by me and gave me a rude look. He went and helped another customer. I feel like I was racially profiled because of my skin tone and Latino facial features. You need to provide a better customer service please. What he did was not okay. All ethnic groups needs to be treated equally.

The most dishonest and incompetent bank imaginable. First they told me that if I had combined accounta balances of $1500 there would be no fee. Then they charged the fee anyway. It too three visits to the bank and one phone call for them to admit they should not have charged them and give me credit back. Then a few months later I noticed they had kept charging the fee. Then they said they were wrong to tell me that these two accounts could combiner their balances, and said they would refund the past fees anyway but they (over the phone) said they could only refund two fees, and I needed to go to the branch. At the branch they said they could only refund two fees at a time and would do the others later, but they never did.

Altogether I made five visits to the bank and four phone calls. Employees at the bank and the phone support regularly lie to pass the buck to the other employees. I have never received the refunds even though they agree that I should be refunded.

Letter from the name Michael Burlington, email: michael.[protected]@mburlingtonconsults.org

The letter states he's looking for next of kin for the amount of 47,500,000.00 and seeking to make a deal to place the recipient as the sole beneficiary, and splitting 50-50.

Claiming to be accounts manager with TD Canada Trust Bank at 77 Bloor St W,

Toronto, ON M5S 1M2 Canada.

Received letter today 02/24/22 Letter was dated 02/07/2022

Letter mailed through Canada Poste Postage paid # 3056996

Please see attached photo of a letter received on 02/10/22 dated 02/02/22 from Mr. Daniel Tiber.

The letter is obviously a scam and I have noticed that many other people have also received these listing different names.

Received a letter from Michael Burlington from Toronto. Address

77 Bloor St. W

Toronto, ON M5S IM2 Canada

Email michael.[protected]@gmail.com

A relative with same last name has an account that is dormant for 3 years - $47,500,000.00 !

Wow -- how great! lol

Someone needs to stop this person before someone believes this

I deposit a Check from Bethpage Federal Credit Union Bank Check for 7,283.86 on 2/1/2022. This is certified Bank check. TD bank put a ( 9 ) Nine Day hold on this check. This is a Business account I Can not have the mony on hold for over a week for NO reason. I called Bethpage Federal Credit Union the check was PAID on 2/2/2022.

If this is the way TD wants to do business I WILL CLOSE MY ACCOUNT AS SOON AS THIS CHECK CLEARS.

I have a mortgage with TD Bank and I have been less than happy to say the least. I have set up automatic transfers through my TD Bank account to pay this mortgage. I have done this intentionally so that I am not confined to one institution as a payment method. I do realize that I have to change the amount every year due to increasing taxes and insurance. I forgot to change the amount in July and the amount I paid went into a Misc account and my Mortgage payment was late. I corrected the issue and TD Bank waived the late fee (Thank you). However, since then I have spoken to TD Bank and with their assistance, corrected the transfer. Yet it happened the next month. This time I was charged the late fee and Eugene explained that he listened to the phone call recordings and that his team did nothing wrong. Eugene said they have had issues like this before and you have to cancel the reoccurring transfer and start a new one instead of changing the amount of the transfer. Nothing I could say, but keep in mind I have been doing it this way since 2017. Imagine my surprise when I did what Eugene advised and the December payment was incorrect. I had to go this whole process again. I am fed up so I cancelled the automatic payment and set an alert on my calendar to do it manually. I then did a manual transfer and confirmed it went through. I checked my account a few days later, and I noticed that that transfer was reversed for unknown reason or notification. Also, a smaller amount was transferred from my account to my loan without authorization. I do not appreciate being gas-lighted about this issue

We made a deposit to our Health Savings Account on November 30, 2021. Today is December 7, 2021 and the funds are not showing in our balance. The check cleared our personal bank on December 8th... WHERE HAS MY MONEY BEEN? Earning TD Bank interest?

If anyone is considering opening an account with TD Bank think again. If anyone from TD Bank is looking at these reviews, listen and listen good. Shape up and remember who pays your salary. When people put money into a Health Savings Account, you can be sure they have some medical bills to pay. My husband has cancer and he should not have to spend his days chasing his money and being frustrated because the money is not in his account. He MOST DEFINITELY SHOULD NOT HAVE TO SPEND AN ENTIRE WEEK OF HIS PRECIOUS TIME DEALING WITH YOU TD BANK. We are mad as hell and you can bet we will tell everyone we talk to not to use TD BANK. Get out of the South! Close your banks and go somewhere else because we will not tolerate your policies and your customer treatment. YEP I am a proud Republican.

My name is John Vandenberg and I carried a mortgage through your bank with my primary branch being the one on Simcoe Street in Beaverton, Ontario. We sold our house and paid out the mortgage as per the discharge documents provided. The bank refuses to discharge the mortgage and will not honour the statement and expect another $885.00 on top of the $21, 000.00 we already paid to you bloodsuckers.
Call me [protected] to explain and justify the virtually criminal extortion?
A very angry customer

John Vandenberg

Had an open and current account via Montgomery's Furniture store backed by TD Bank. 1 week before moving from South Dakota to NY i made a bulk payment to the card so we can use it to pay balance on our new furniture and get it picked up as we were moving within days. 2 days after the payment and it was still not showing on my credit limit, i called customer service and they advised me that it takes 10 business days for payment to reflect on credit limit.

They couldnt cancel the payment either... my money was going to be stuck in the card for 2 weeks and we needed to get our furniture to move.

I had to move the money and get the payment returned on purpose and paid the store out from my checking account. 2 days later payment reflected! and 2 weeks later they reduced my credit limit

I called Customer Service (who couldnt do anything) and credit department who told me that my credit score is a factor in reducing my credit limit. she didnt give me any details or proof, I asked to file a complaint but they dont have a system that takes complaints, just notes

I have had an ongoing problem with my account since Feb 2021 which has not been fully resolved to my satisfaction.
My account was hacked and $900 was withdrawn without my permission. I was not contacted by the bank that this occurred and had to reach out myself for an investigation. The bank has insisted all along that I authorized the transaction even after I provided a police report documenting who took the money out.
I have spent multiple hours and trying to get a resolution to this problem. I only received partial reimbursement after I filed a complaint with the Federal Consumer Protection Bureau.
I am still seeking a reimbursement of $450 on this account.
I have had this account for over 30 years and this is the customer service I receive! HORRIBLE. I WILL NEVER RECOMMENT TDBANK TO ANYONE.
The situation could have easily been resolved with a provisional credit. As a result of this situation my husband was denied a credit card due to his credit report. UNACCEPTABLE.
This bank does not care about its customers, especially those with 30 years of loyal committment.

I received a new Visa Debit card. Apparently, it cannot be activated unless I physically go to a store or ATM and use it. You used to be able to authorize the card by phone.
I am disabled. After hours on chat/phone with TD "customer service" I was told I MUST use the card in a store.
THAT will cost me $40 for a taxi to buy a pack of gum.
:(
If calling from my home phone this shouldn't be a problem - but it is.

Good morning on June 10 2021 i open a checking account with Td Bank i had previous account but u closed it two years ago . I closed on a condo in Canada i will be getting 50k on the first deposit on june 10 2021 i went to bank and deposit 25k it's draft
On 11 june the bank manager Jean Ross Tulloch at 21432 Jamaica Avenue Queens Village 11428 call me at my Bank where i work and stated the check will be held for 45 weeks i said give back the check he said he can't it pass through clearing i should know because i work for bank FDIC 30 days hold i went twice in bank the manager reversed a fee and was not told that my check still at branch i ask him why i been charged he said he don't know ok i let it passed i call
about the deposit once again they said i need to coming before they call back office that for collecting i said ok went back in July 1 2021 i saw Roxanne Thompson call collection department they said didn't received any check she went in back and find the check sat there for 3 weeks as i said U can't hold a client check by fdic they didn't follow procedures also still don't care blame it on client should have a wire in to account was the statement i went back July 15 2021. Follow up on my own they the collection department received it on 12 of July please explain to me why the bank doesn't care that they sitting on a check for so long and not following fdic i work for a bank 36 years and still working i care about my customers and do follow up i know the rule of open am account i said to her why i am open this account because I didn't need the funds and i had an account at age 16 with TD bank it Canada . My account is 4392460980Bibi Fazila Ali
Still upset they way they handle this i will report it FDIC Complaint department

MICHAEL BURLING using your name is scam date June 12th 2021 consisting of investment deposit with your bank of 47.5 million under late ENGR James Kielhorn and open beneficiary status.

I setup TD as an external account with another financial institution. Tried do to a xfer, but TD rejected it and returned the fund after a few days. no reason why? Also tried to make mobile deposits to meet the deposit requirement for a new savings account and these are taking weeks to clear?

Now I am wondering about the direct deposit I setup, will this also be rejected?

Mr Mercer is a biggot and a racist. I was told by him that it should be kaw that a black man should not be able to earn 13000. I recently deposited a 13000 check that wasn't in my name. It was signed off in by all party's and people involved including TDs bank own fraud department. He has ignored every attempted, email and phone calls and correspondence to have the the no check status of my account lifted but instead closed my account with whole entire entiprise of TD bank . Mercer who is the branch manager at the Bluffton SC branch on University Park. He has personally called every TD bank and affiliates and blacked balled me only because of the color of my skin and the amount of 13000 dollars that was returned along with thousands of dollars of other's which I will never recover for my hard work sweat. How can a branch manager switch roles with the president of TD bank over night. It must be majic. No you see it now you don't.. Abracadabra hocus-pocus watch me make your account balance disappear. Majic? But to use a racist as it headliner has to be the greatest show on earth

I was the victim of a "vishing" scam. Someone called me from the actual TD Bank number and claimed that someone was trying to access my account from another state. They asked me to verify my account by providing my username and last 4, which I thought was odd, but then again, the ID on my phone said TD BANK! The caller then claimed to be sending me a "fraudulent" transaction, on text, which also came from the actual TD Bank number, to which I was to reply "Yes". Little did I know the transaction was actually real- and with that, this person was able to empty out my account.

When I called TD Bank, to inform them that this had happened, they said they had no power to file a dispute, until the 11 transactions were out of pending status. In essence, the criminal who stole my money had more protection to ensure that he received my money, then I had to keep my own money. Thereafter, I went to the branch and spoke with a customer service rep. She assured me that once the transactions were out of pending status, that they could issue a provisional credit. That took 3 days, at which time I returned to the branch. Upon returning to the branch I was then told that they had no power to issue me a provisional credit, and once again I had to wait for an investigation, which could take up to 10 business days. In the meantime, all of my money is gone.

This bank is well aware of this scheme. Yet, with all its undoubted billions of dollars, it has taken no steps to protect its customers, not even with a warning. I should not have had to Google the subject, to find out that this is actually possible. Since it does not even have to decency to warn its customers I'll do it here.

Beware, this scheme is happening. Criminals have actually figured out how to infiltrate this bank's number. If you get a call from "TD Bank", hang up and call the bank yourself.

Needless to say once I have received this credit I will be closing my account, after this terrible experience.