TD Bank
reviews and complaints

I nearly committed suicide today because i cannot take it anymore. My husband earns five thousand a month, and i earn at least three thousand, yet we are constantly penniless because td bank steals our money! Trust me, we are not uneducated. I have my doctoral degree. I know how to balance a freaking checkbook! It doesn't' matter what i do, or how much money i believe i have (And i truly do not spend much, only on necessities, such as groceries, gas, the electric bill, etc.) no shopping in this house! No gambling. No drinking, even. All i do is work 7 days a week, for real, and yet i have to collect pennies and quarters from my kids to have any money to spend. Why? Td bank rips us off. No matter what we do, no matter what the balance says on the screen, td bank finds a way to steal from us - - at least tw) thousand in fees a month. This is criminal. I want to see this bank closed by the police. Someone has to stop these criminals. Customers cannot even close their accounts!

Let me start by saying I have had this bank for over 9 years and it's been through many changes, all of which benefited them, not their customers. Back in October, I used my Debit/Visa to sign up for Sirius/XM, thinking it would be a one time trial, and I wanted to cancel after the trial period (which I tried-but that's another post), BUT, when I used my debit card, the expiration date was 12/2014. I figured that way, when they tried to renew, the charge would be declined. BUT IT WASN'T, and when I complained, they basically told me that it's my problem, I gave them the Card Number so they can charge whatever they want, when they want, so if I wasn't in agreement to that, I should cancel my card and order a new one. WHAT? Fast forward 2 weeks, I use my new card @ a store in PA (15 miles from my home) and it was denied - the bank said Visa denied all out of state charges. AGAIN, WHAT? Visa categorically denying any out of state charges is absurd. They assured me it would not happen again and that all is well. Then we have today, when I presented my Visa for payment of $82 (knowing the account balance is over $1200) and I was denied AGAIN. Why? "I don't know" was the standard bank answer. Well, I am now done with TD BANK. And their lousy customer service.

I signed up with td bank about 2 weeks ago and left town the following week I will be out of town for about a year or two so I had my girlfriend go make my deposit for me and made sure she asked will I have any problems accessing my money they said no and took the deposit as soon as she made it they blocked access to it I called customer service to tell them my situation and told them I will not be able to go to one of there branches they told me there's nothing they can do unless I go in I told them that's not a posibility because I'm out of town for a year or so and they said there's nothing they can do they basically taking my money I have kids to feed I worked hard for that money and for them to jus take it no I'm not having it I will not stop untell I get justice because that isn't right

TD BANK AND ROBBINS BROTHERS WORK TOGETHER TO SCAM CUSTOMERS. Robbins Brother Dallas TX tricked us. We bought a beautiful ring from Robbins Brothers with zero percent. If you do not pay off the total ring at the end of the 0% then they add interest on the ring. And I mean interest. The Interest totaled $6, 000 dollars. AND YOU HAVE TO PAY THIS INTEREST NO MATTER WHAT. Even if you pay off the ring today...it does not matter. You will pay the full interest. Well they neglected to tell us this information. They just tell you that it is zero percent. They scammed us! They were not open or truthful. They never told us this information. They tricked us. Do not buy from Robbins Brothers! They are tricking people. I cannot believe they think this is ok to do to newly married people or anyone. Honestly I will keep re-posting this information everywhere.

TD bank assesses fees for any balance below 100$. They sneakily charged me a dollar for a paper mailing of my account that left me account below the limit and was charged 40 dollars in combined fees. When I complained they refunded the fees and apologized stating it would not happen again. Yesterday I was told my account was in overdraft for 50 dollars .. When I asked why, they said "another fee" had been assessed the same day as my original complaint, even though I was assured it would not happen again. My account has been slowly bled dry by 15 dollars a month.. so I complained again.. they agreed to refund half of the fees, leaving me with $48. SO they get to steal 60 dollars from me when I closed the account rather than put my self at risk any further. DO not do business with these crooks. SCAMMERS

I filled out a 30 day free trial service on the Internet on 9/2/14 that would be $29.95 a month after the free trial period. On 9/10/14 my account was "overdrawn". I had checked my balance on 9/9/14 and it was $20.43. It stated that the $29.95 was pending. I had made 2 other purchases that day. One purchase of $9.00 and another of $10. I went to my branch and their response to my issue when I asked them to deny the purchase of $29.95 and bring my account back to date, was "I'm sorry. But we can't help you. It's on pending status and even though you are requesting to decline the purchase, I can't be sure you didn't receive a product. And since you made 2 more purchases, you will be charged $105.00 in overdraft fees if you don't have this cleared up with the service company by tomorrow". I spoke with the teller and branch supervisor and they said there is NOTHING they could do to help me resolve this issue. What happened to "We are here for you" Or "Whatever you need we will resolve every issue you may have". I chose to do business with TD Bank because I believed I would be treated with respect. The tellers and the supervisor made me feel as though my issues are not important. The supervisor basically called me a liar when I told him time and again that the purchase was NOT AUTHORIZED. I called the service company, (ScoreScence) and submitted a cancelation. # [protected] done at 3:45 pm on 9/10/14. I spoke with Judy who also advised me that it's up to Corporate Billing to decide if I will get my $29.95 refund. So, not only is my "trusted bank...TD Bank" robbing me but the company that offered a 30 day free trial. I may not have thousands in the bank, but I should still be treated with the same respect as any other monthly fee paying TD Bank customer. I was robbed without a gun by the TD Bank.

Just a heads up if you are considering a refi with TD bank on an older home. (50% LTV ratio; 800+ credit score; decent salary) You get lured in with pre-approval and no detailed list of requirements. The appraiser walks up, looks at some peeling paint, and says TD won't close the loan. You pay for the full appraisal ($$). TD bank sends a letter saying you need to pay for a lead inspection (which to my understanding the bank uses to confirm it won't close on your older painted home because it has lead paint like most original homes older than 1960) You offer to escrow the paint costs, they decline. They send a letter reminding you of other fees you need to pay. Other than that, everyone was nice enough.

They are sitting on a wire claiming that the sending bank never sent them the information they requested when the sending bank has now sent them the information 2x. Each time I call I hear a different story from "what wire..we don't see any record of a wire" to claiming they made requests for information from the sending bank on different dates from what I heard in the last phone call. They don't let you speak to their wire department directly so you have to relay your communication through (an often incompetent) customer service representative. I have a simple business checking account and couldn't imagine expanding my services with them when they are this incompetent on such a basic transaction.

TD Bank did deposit a wire money around $2800 in my account by their mistake and let me know about that after a month! When I knew about that I tried my best to cooperated and pay back as soon as possible.
However, I have not heard about wire money or banks may do deposit money in customers account by mistake since I immigrated to Canada! I was not aware if the money in my account has came from somewhere else than the companies I was working for. Never the less I was expecting for same amount from one of companies I was Working for.

However, I tried very hard to pay back the money to TD Bank based on my financial situation and TWO TIMES per month but they asked me to pay based on their opinion not my budget. I was threatened to send me to the collection office and they did not cooperate and sent my file to the collection office.

I sent an e mail to the Ombudsmen office and asked them to let me pay back the money based on my income directly to the TD Bank and not asking me to contact the number that I called already and just got threatened, then, I received a letter from District Vice President, Toronto, GTA Region David James apologizing me for the inconvenience and again asking me to call MJR Collection that I did request not throwing me to them again.
At the end, they sent me to the different collection office just because I was not rich enough to pay back money based on the TD Banks level of services!
All the documents are available.
Regards,
Shahnaz

We briefly opened an account at TD Bank, and all was well until my husband accidentally paid a bill with a check from the account, when he should have used a check from a different account. If the check had bounced I would have understood-our mistake. If the check had cleared and we were charged an overdraft - fine, our mistake and that is fair. What is NOT fair or ethical is what happened to us. They randomly reordered over twelve debit card transactions from days before (that were all covered by cash in our account), adding late fees as they went, even kicking some out and allowing them to come back and charging a new late fee! We were charged nearly $400 in these fees. It's absolutely unconscionable, and one of the many ways the poor get poorer in our society. I am perfectly willing to pay what is fair for our mistake, but to take one mistake and turn it into 12 is beyond the pale, and nothing but theft. NEVER bank with TD Bank.

I bought a co-ownership apartment . Nathan Chow gave me pre-approvement. But he couldn't gave the money on closing day. i almost lost my deposit $10000. He put me in very hard time. Finally . i borrowed money from my friend. i had to closing day extantion. It cost $600 more. i asked this from him. he said ok . He said after you sign a letter. i will give it to you. But after i sent the form to him. He won't deposit money to my account . He cheat me again. Why do you TD 's staff like this?

I have had nothing but great experiences with TDBank. However, the company that services their credit cards is a joke! They claim you get cash rewards. Which they list on your statement. BUT, there is no way to use or receive the rewards or the cash, unless you call customer service. Which goes like this : you have to listen to a two and a half minute auto program, then choose "talk to someone" ; which puts you into another auto program where you can then choose "talk to someone" again, and then you get to talk to someone. Or, i should say, listen to someone...try to sell you something. "...well, Mr. Banks, thanks for calling. I'm sorry you are having an issue with your credit card. But i have great news!..." ( then they launch into a monologue in an attempt to sell you something. ) Of course, this is all spoken in extremely broken English. So i will just pay off the bill and lose the $35.00 cash "rewards". What a joke.

I can no longer trust and do business with TD Bank. Over two weeks ago, I called and reported my wallet stolen, and said there were charges on the account that I didn't make. I called a second time a day later to say I noticed more charges that I didn't make. Ok, will take care of it, 9 times out of 10 it's reimbursed to your account. I finally called today to see what the delay is, and they tell me over the phone that there is no record in the system of me calling, no record of the charges and no disputes were filed.

Natually, I was livid. I got the usual I don't care but it's my job to listen speech, and when I asked if they could expedite the process, the manager I spoke to wouldn't budge an inch. I'm going to get a copy of the police report and really make them feel about as intelligent as a bag of rocks and make sure I get a copy of any transmittal or sending of the report to whomever is supposed to get it. Then I'm going to ask an in-brance manager what they're going to do for me as a customer for this eggregious error. If nothing will be done, as soon as my account is credited, I'll go in person and close the account, and make sure to talk loudly so everyone in the bank can hear me.

Completely unacceptable. I got the "Sorry you feel that way" cr*p from the manager on the phone. I'm going to go and complain as much as I can and make them look as bad as they are. I can't wait to open a new account with a better bank.

TD is very careless in judging its client and employee. I'm so sorry to say it. Because of their small careless action, my life siffered a lot. I came in Canada as an international student, finished study and started to work with TD. I'm socially very active and post some writings on international politics on Facebook. TD didn't like even though it has nothing to do with TD nor anything with Canada. It was a local newspaper of a 3rd world country, the language of the newspaper even not English. On the comment section online, I just posted certain comment with the culture and attitude of that country. There is nothing to do with TD nor Canada nor USA. Just because of that they fired me. I'm even new in Canada and I do not much know here the standards. I came in government scholarship for a bright future. But all TD did is not only fired me but also informed all other financial institutions that I'm a potential threat or terrorist in Canada. After that, I got job offer from Royal Bank, Scotiabank, all of them at the backgorund check step withdrew their offer simply because when they checked with TD, TD informed them all those things about me. I'm totally an innocent person, facebook is just for fun and I made some fun comments there. It made my life extreme difficult. They even reported to government unit and for that intilligence even had met with me several times. before i gave my employment histroy with other places I even checked with TD human resources, they promised me that they do not release any confidential info to anyone; yet they mutually share it. I became mentally and psychologically extreme sick and lost my trust in Canada. And today, I received letter from TD even they cancel my checking account, credit card with them. i would request the TD corporate to be more sincere about judging. Because this inapt action, my life became difficult everywhere. I don't know where is my next employment. I would love TD very much but now there is nothing more than TD that I hate. TD has no right to spoil my life and my future career. At least they should tell me that they will share it with others in that case I wouldn't give TD in my work history. I am being an innocent young graduate was trying to build my life; but TD's careless judgement on people made my life dark. All that I have is, i trust in God and God will judge it.

I have a Health Savings Account with TD Bank, not by choice, but with my
former company. Knowing that I had large medical bills approaching,
less than a year ago I decided to save the money for those bills. I
have received a statement every month showing the correct balance, with
interest added every month. A few weeks ago, I attempted to pay a bill,
using up the balance of the account. Today I received my payment
remittance back, and the billing representative stated that the payment
was rejected. Called TD Bank and was told that the account was
inactive. I was told that a letter had been sent at some point in the
past three months - I never received any letter. Then I was told that
the only way I could reactivate the account is to go into a branch and
make a deposit. They will not reactivate it over the phone, even though
they are speaking directly to me. I made it clear that I am attempting
to pay a medical bill and that because they did this without notice,
that bill is now late and my credit has been dinged for it. They do not
care.

After opening my account online I still had 1 more direct deposit going into my old Prepaid account (Bluebird by American Express). After paying my bills out of that account I got a pre-authorized check for the remaining balance ($600). I went to the branch and deposited it with $100 cash back being told that the rest would be available in a day. On the 5th I went to the grocery store where my debit was declined. I called and was on the phone 30 minutes and was told I would be called back. She never did. Leaving my groceries at the store I went to the branch and was told he made a entry and it would be cleared the next day. Another lie. Yesterday I called again and was told there was nothing they could do. That explanation is absolutely ridiculous. I'm on Social Security and they won't even tell me why they won't give me my money or when.

11/01 - TDBANK wait times are really long. I finally got through the customer representative after being on hold for over 20 minutes. i needed website assistance so I was transferred for another 20 minutes wait period and then disconnected.

Terrible, I will be changing banks. Certainly NOT the most convenient bank in America

Annoying!

I woke up this morning to a voicemail asking to call the store, and no further information. I called, and spoke to a representative who said he would go get the person I needed since she was not currently busy. He wound up transferring my call to a blank line so I was waiting there for 2 hours before I hung up. I called back, not in the best mood for good reason, and the same guy picked up, and told me I was in the wrong for being upset. Finally, after arguing with that know-nothing, I wound up on the phone with the lady I needed to speak with. She just wanted to confirm my email address. She could easily have let me know that in the voicemail, because for that time when I was on hold I was worried something happened to my account, as its a savings account only. Overall the customer support was extremely poor, and unapologetic. I am closing the account immediately and changing accounts.

WATCH OUT FOR TD BANK THEM RUDE PEOPLE THAT WORK THEY NEEDS TO BE RETRAIN THEY CHARGE ME 8 OVERDRAWN 8 FEE OF 35$ FROM JULY 1ST 2013 TIL JULY 27TH 2013, SO I ADVICE PEOPLE OUT NOT TO BANK WITH THEN ...

I've been with TD Bank for 10 years. I use Quicken to pay my bills. In May TD Bank decided to block Quicken access in favor of their bill pay, which just doesn't work for me. I have 3 checking accounts and one savings account.

- It doesn't show my FUTURE balance, so I have to re-enter in Quicken to determine how much money I need to provide in each account
- It doesn't track my expense categories (for taxes), Quicken does.
- Since I have to continue to use Quicken to track expenses, I have to re-enter all transactions in Quicken (2nd time is undesired extra work)
- When it updates, TD bank doesn't match all my Quicken transactions, so I often have to correct the TD entry in Quicken (a 3rd time dealing with the same transaction - certainly not desirable)
- It doesn't allow enough time to make notes, I get logged off and have to re-start the entire TD session (Quicken doesn't log me off)
- I have to pay all TD bills in one account, then the 2nd account, and then the 3rd. (Quicken allows me to pay bills from any account in any order)

After trying to get satisfaction, the net result is that both local and regional TD Bank management didn't/couldn't/wouldn't do anything.

Chase Bank allows the use of Quicken direct connect and I'm moving all my accounts over there! They were very pleased I'm joining them.