TD Bank
reviews and complaints

I deposited $400.00 cash today Aug 9, 2011. When I got my receipt back, it says in the printout, $200.00. So, I had to pull my car back, , it was a drive thru as it was past 5pm. When I told this guy, George, he insisted I gave only $200.00. I had to fight to get them to check again my deposit slip. Only then did they try to investigate my claim. What if I didn't insist and fight, I would have lost my precious $200.00. Now, when I asked for the name of the guy, , they, vehemently hesitated. Obviously this guy George didn't count the money and the other guy Anthony tried to shrugged it off as a no big deal, , , or was it an attempt to cover up a gross negligence. Or was it intentional or just being human, making big mistake. How about his, (George's) insistence that I only gave $200.00? Don't they count the money before declaring how much the amount? I was on the losing end here, feeling helpless when he insisted it was only 200.00 Finally they corrected my receipt but not after almosst having a heart attack and spending lots of my adrenaline.

I've attempted to close an account at TD Bank 2 times now. I've even gone into the bank and had a manager process the request to close the account to finalize the separation of assets between me and my ex-husband. Apparently, they didn't properly close the account and when all of my ex-husbands bill pays came through TD allowed the account to be over drawn (because it was at $0.00--because they did find a way to transfer the balance out) and then not only did they charge me over draft fees but the cost of those bills! What a terrible bank--they cannot even close an account and as a special treat they won't acknowledge any fault but rather they are trying to send me a bill. This bank is now nearly on par as being as bad as Bank of America.

On June 24, 2011, I requested a 2-month deferment on my consumer loan (automobile) due to temporary economic hardship as a result of unemployment. Informed that unemployment is NOT AN ACCEPTABLE HARDSHIP, and that I am ineligible for assistance because part or all of my income comes from public assistance in the form of unemployment claim benefits. A bit ironic since I believe that "America's Most Convenient Bank" benefited from public assistance in the form of the federal bailout funds.

I wrote a check to pay my Visa Bill for $1000 from my TD bank checking account. TD bank paid out $2000 instead of one thousand dollars claiming my "1" looked like a "2" even though the amount of the check was clearly written out One and zero one thousand dollars. They charged me $85 dollars in overdraft fees. They admitted it was their mistake and refunded the fees but we still don't have our thousand dollars back in our checking account and cannot pay our bills this week because of it. I thought the bank was supposed to protect your money, not steal it. If someone stole $1000 from me I could call the police and charge them with theft, can I do the same with a bank or can they just steal money from people using stupid excuses? Stay away from TD bank if you don't want your money stolen. I am transferring all to a credit union this week and will never use a bank again.

I was recently married and my wife and I, both account holders at TD bank went to a local branch to add her to my account. We had proper I.D. and a copy of our marriage certificate with us. We were not trying to take anything from the bank, we were merely trying to add my wife to my checking account. We got an attitude from the customer service girl who informed us the her "back office" would not approve adding my wife to the account since the marriage certificate contained her maiden name and her driver's license has her previous married name. Please note the the SS # on both are the same and Social Security changed her name with no hassle at all. I asked this young woman if she knew of any other cases in America where women were married more than once and she didn't seem to get the logic, I informed her that she should consider that we were not so clever criminals who were trying to put money into the bank instead of taking money out. She again didn't get it. We left the bank disgusted. I called their customer service line and all I got offered there was the location of another branch to try ! America's most convenient bank? B.S.

I have a savings account on TD Bank in a joint account with my kids for several years. As costumer I inquire about personal checking account. The fees and charges to use and keep such account were to excessive that I decided not to open that checking account. After 3 weeks I got a statement that such account was opened without my consent, no down-payment deposit, neither signatures accepting that account was done, and already with some charges for low balance and maintenance. This is unacceptable.

I have worked in multiple help desks (Call Center's) throughout the years. I must say that the TD Bank help desk is no worse then any of the other call centers I've personally worked at. Which isn't a good thing. However, before stating my complaint I will say that my complaint itself isn't necessarily the actually representatives that answer the phone or the mangers. They were very professional and not rude what so ever as I have seen in some of the complaints on here. They also did an excellent job of verifying who I was, before providing me any information about my account. I would have to complain instead that it is a top down issue with training representatives.

I say this because upon calling the the 800 number you get different answers from different representatives and I have yet to receive an answer to my question I was calling in regards to. So now on to my complaint.

My debit card has been cancelled for a second time. I was attempting to purchase study materials from a website for a certification test that I am required to pass by June 30th. I originally attempted to make the purchase last month. While attempting to process the transaction I got that my card was declined. I didn't think to much of it as I had been making multiple online purchases and figured maybe it was some type of protection for my account in case someone was using my card to purchase things and wasn't me.

I waited a few days thinking maybe they would call and confirm if I was making the purchases which used to occur when they were still Commerce Bank. This did not occur but my card continued to be declined when I attempted to use it at restaurants and corner stores. I then decided to attempt a TD Bank ATM to withdraw money, at this point I was notified that an Unauthorized transaction was attempted so I went to my "Home" TD BANK.

They were very friendly and professional there as well. They notified me that my card had been cancelled due to online gambling. I asked them if they were able to let me know what website I may have visited that was falsely identified as online gambling. The Representative there told me they could not see this but that they could issue me a new card. While waiting for my new card to be issued they asked what websites I had visited I told them and he agreed that non of those sites had anything to do with online gambling.

At this point my concern was growing that maybe someone was using my card number for online gambling. I asked him if there was a point of contact would could verify this for me. He said that I could call Customer Support and ask to be transferred to a fraud department. Upon calling there help desk and asking to talk to a fraud department I was told that there was no other department I could talk to. I thanked them for there assistance and continued about my business. After talking to all these individuals who could not identify what website I went to that caused this issue, that I would continue my purchases with my new card. I assumed this as I also so nothing negative in my history on the tdbank.com website or in my statements for last month.

I attempted to make the purchase for my study materials for my Microsoft certification test once again. The card was declined. I had a sneaking suspicion that this must be the website that set this whole chain of events off. I again attempted to make another purchase after this one and it went through without being decline. I assumed an error must have occurred on that website and waited a few days. My card again started being decline making purchases everywhere.

I contacted customer support again this morning. The person I spoke with was again very professional and not rude what so ever. However, they were again unable to assist me with my inquiry for speaking with a fraud department or whoever manages the identification of online gambling websites. I was simply told there is no type of dept such as this although I would assume on the backend of TD Bank some type of IT or IA dept would be managing this. The reason I assume this is because I work in an IT Dept and I do something similar to block people from accessing gaming and gambling sites on our network.

I was told that no such Dept exists to speak to and that I am no longer eligible to hold a checking card for my bank account. Now, I can appreciate there positions of not allowing online gambling use of cards, despite all the complaints I saw about this on google when searching for information about my issue. To be honest I couldn't care less about the ability to use my card for online gambling however, I believe there should be some department to speak to if you find a website that is being falsely identified as online gambling so that TD Bank can correct the issue on there end.

So in closing I will say again I am not upset about the lack of knowledge of this issue with the help desk as I have run into this issue with help desk's I have been a representative in or that I have managed. I just believe there should be some type of higher tier I could talk to regarding this issue whose job it would be to know as the lower level analysts within there help desk shouldn't even be dealing with these types of issues.

Just wish I could get his fixed not just for me but for anyone else who may run into this problem in the future, with other websites that are not online gambling but being identified as such.

I've been a TD customer for only six months but I've already learned the hard way that their negative reputation is completely deserved. After a recent experience, I've come to learn a few things about doing business with this company:

My complaint stems from an experience where the TD website and the mobile app on my phone showed me DIFFERENT, inaccurate available fund balances. This resulted in nearly $200 in overdraft fees on a purchase amounting to less than $30. Knowing that the checking account I wanted to use was low, I even transferred funds from one of my other accounts to cover my butt. Turns out, due to the conflicting info I was getting from the site and app, I didn't transfer enough. My account was $2 and change short of what I needed. That's right, $2 off = $200 in fees.

My calls to two different customer service reps plus a supervisor amounted to nothing. They explained to me that the app and website are not meant to be used as primary banking tools and that it is the customer's responsibility to verify the accuracy of the information they present. Apparently mobile banking in 2011 is very different with TD than any other bank I have accounts with. The customer service reps are trained not to budge, they would not waive the fees even though I explained that I did in fact have the needed funds and would transfer them right away. Not even as a one time courtesy. (I don't think I was asking much.) When I explained to the supervisor that I was considering closing my TD account and moving these funds to my other bank, the response was, "OK, that's your choice."

Scan the comments for yourself. This bank will take you for any dollar they can and provide really shoddy services. Do not bank with TD. They do not care about their customers!

When I first opened my account here, (when it was still Commerce Bank) one of the questions I asked the rep was "What is the procedure for closing an account?" She replied that it was simple- just draw all remaining funds from an account and it closes automatically.

Two weeks later it was TD Bank. The problems begin.

Two years and an unbelieveable number of problems later, I finally decided I'd had enough of TD's unfair fees, phony overdrafts and disappearing money, so I drew all funds from my checking and savings and moved to PNC.

A few months later, I get a letter stating that I owe them over $300 in account charges. I called and demanded an explanation, and I was told that my accounts were NOT closed and that I was being charged for having insufficient funds. I told her that the woman who opened my accounts in the first place explained to me that withdrawing all funds closed the accounts automatically. I was told that the rep had been wrong and that this was MY problem!

I told them that as THEIR employee had misinformed ME about their procedure, I would not be paying them any more fees.

Now I'm getting letters and calls from the collection company they turned me over to! These ### are unbelieveable. Worst bank I have ever had the misfortune of dealing with.

This is the second time TD Bank has lost a deposit of mine in less than 3 months! The first was a cash deposit handed to a teller. I later checked my account online and I was not reflected. I called the bank they claimed they had no record of it, so I marched right in there with my receipt and it took them 3 days to credit my account.
The second incident was a large deposit at an ATM, I kept my receipt and it was reflected at least for that day as a deposit. I later checked and somehow it is now listed as a DEBIT! I am now on my way over to the branch with my receipt to complain. They have never apologized to me for these serious oversights and I intend to file a criminal report. This goes beyond incompetence!

I've been reading a lot of the complaints listed on here and see that 9 times out of 10 some random login will turn it around and blame it on the customer. Here is a situation I challenge anyone to say is my fault or a lack of responsibility on my part... instead of another example of poor business practices by TD Bank.

I have been a customer of TD Bank since Jan 11 and will be closing my account after my deposit clears and my account is reconciled. I have had numerous issues with this bank but the one that tips the iceberg is as follows. On a Monday evening, I used the ATM to deposit a government-issues child support check (the same exact check I deposit to the same exact branch every month at the same day/time). I deposit the check and within 1-3 business days the check clears so no one needs to explain pending transactions to me. Here is where the issue comes in. I have not used my account waiting for the check to clear (day one they release $100 and hold the other $700 until the check has been verified)... so usually I just don't touch my account until the deposit is shown as cleared which I did this time. Woke up this morning to find that my account was showing no pending transactions and my available balance the amount of the check and proceeded to pay my bills online. Everything was fine until I go to use my debit card for lunch and it is declined... why? Because TD Bank has arbitrarily decided to put an extended hold on the check AFTER it had already listed it as cleared. At this point, not even the first hundred is showing as available (which coincidentally will make anything that comes in from the bills I paid overdraw my account). I spent over an hour on the phone being switched from person to person to figure out what could be done to fix this since it was clearly an issue TD Bank caused. In the end I was lectured about pending transaction times... to which I clearly stated I understand that but if my account is showing that my deposit had cleared and 100% of my money is available... that is not an issue of not waiting out the hold check time. She then told me that the system changes over in the night so there will be fluctations in balances (ummm... from a check cleared to not cleared... umm that's a bit more than a fluctuation... and basically you are telling me not to trust the information the bank gives me). Next, I was told that my check had cleared but then was put on an extended hold by this mysterious "back office" as I'd never made an ATM deposit before... I stated to the Bank Manager (because I'd progressed that high at that point) that I was looking at my statements which clearly showed that I had made previous ATM deposits so again why was this check being held for this reason. After I pointed this out the woman got really nasty and said she wasn't going to argue with me. It wasn't an argument when the bank is holding my money for wrong reasons. She then refers me to some supervisor at another bank branch. I express to this woman... I'm not upset about the time it takes for my deposit to clear, I understand holds but what concerns me is that my account showed everything cleared with no pending transactions so I went ahead and paid bills... now I'm facing overdraft fees if the deposit is not removed from this hold before they come in... and no one has addressed this. To which she replied... well, it will be fine. Like I had no reason to be concerned. She then cut me off by saying is there anything else she could help me with today... I laughed and told her since she hadn't helped in the first place... no. So that wasn't very polite but after 60+ minutes on the phone being treated like I was stupid or wrong... I'd had enough. I should also point out that I wasn't even expecting the check to clear until tomorrow so never would have paid these bills had my account not stated that the checks had cleared. And because of the past inconsistencies in clearing times... I had no reason to suspect that this would happen.

Why did they not put a note on my account to not charge fees or return my payments should they come in because this was a bank "glitch"? Why did they not release my funds or say they'd release them by COB? How hard is it to verify a government-issued check?

I'll be switching banks because like I said this is the last straw in a long line of issues I've had with TD Bank. I will also ensure that EVERYONE I know knows about this to ensure no one makes the mistake of banking at TD Bank.

They REALLY need to get a better system. First off, I have not once overdrawn my account. I am fully aware of their fees and am always very careful when spending on tight budgets and checking my balances. Yesterday morning, it said I have a current balance of sixteen dollars and some, available balance of twelve. My school allows me to take out increments of five so I did that. I only got five bucks. The receipt said my remaining available balance was 7. This morning, I come to find that I am 3 dollars and 50 cents overdrawn. A small purchase of four dollars was cleared from a few days ago. But I was wondering how I overdrew? It said my balance after the 5 dollar withdrawal was ONE DOLLAR. THE DAMN BANK AND ATM LIED TO ME. It's either a bank error or they gave me the wrong balance through a crappy ATM.

I had to abandoned my TD bank account because I was a victim of fraud, A false check was given to me then bounced, The bank said it was my fault the check bounced, that I should have known it was a fake check.15$ They wanted..in the mean time as they took back the check amount I began to get hit with over draft fees, I went to the bank within the time limit and covered everything, Checked the next day and again the account was fine.5 days later they hit my account with 4 overdraft fees...it then begins to snowball..and two days later my entire account is swallowed up by the instant 35$ overdraft fees from their 'Predatory" software which auto automatically takes it out..

So much money was negative that my next pay check would be completely swallowed up .I augured that I was the victim of fraud, and they were punishing the victim, they said we are not but pay the fees anyway..but i cant.

They agreed to take away 2 of the fees, I said ok how about the two that started the snowball effect, they said no just two fees that's it..

I told them my only choice is to abandoned the account, If i put my check in now I wont eat for two weeks.they said ok nice knowing you...we got lots of customers one less doesn't make a difference.

So we all are victims of predatory software by banks and no-one is out there trying to help us not one politician, nobody...

They froze my account to where I could not write checks, for something I did not do.
Sounds like a law suit to me.
Back Off!

I have to say TD Bank should be forced out of business. They have acted so unprofessional and unorganized with me and my business. Commerce they are no longer. They have given me the run-around with excuse after excuse about a certain transaction I'm trying to execute, and it's now two months later! They've held funds, my business is suffering, they've done personal damage to my character because of all the delays; and the delays are all because of how unorganized they are. They never have given me a straight story and blame all the inept idiocy on "new banking policies." I am so frustrated. I feel at times I'm going to suffer a heart attack over it as I have a business to run and can't function properly because of their absolute worthless service. They are unprofessional and have no clue about customer service anymore. As soon as I can, I'm leaving TD BANK, and NEVER looking back. Good riddance. You deserve to lose my business and you deserve to fail TD BANK.

I was charged $100s of dollars in overdraft fees on pending authorizations. I checked in to a hotel that authorized a large sum for security. When the actual charges came in the authorization was still on the account and they charged me overdraft fees. The next day the hold came off! They charged me fees on money I didn't even spend! Then the branch manager told me it was my fault and that "pending authorization holds" count against my available balance regardless of if they're actual charges or not!

I also had issues with td not releasing authorization holds in the past from enterprise rent a car. I had an authorization hold on the account for nearly a month with both myself and the enterprise location manager working to remove it. Enterprise faxed td information twice to remove the hold and they refused to do each time. They refused to remove the hold even when the company that placed it faxed them telling them the bill was settled! I have a recorded conversation with the consent of enterprise where the manager states that td bank has done this with several other customers and they advise customers not to use their td bank debit cards to rent cars with.

Td bank is awful and needs to stop this money kiting fraud they're pulling on customers.

Who wants to get in on a class action with me?

TD Bank lies. I was a happy customer of Commerce bank for many years. I like the free checking, free ATM use at any ATM and 7 day service. TD bank took Commerce over a couple of years ago. They promise that they would keep all of the mentioned popular services that Commerce had. I knew it was probably a lie. I knew sooner or later they would get rid of the free services and sure enough on March 9th they ended. The only thing they still have is the 7 day week. TD Bank is convenient for me because there is a branch fairly close by. Even so it is out of the way from the routes I normally travel so it would be a hassle to go to the branch to save the $2 ATM fees. I don’t like to do business with companies that deceive so I’m going to close my account and find another bank even if it charges fees.

I am warning anyone from banking with TD bank. This warning runs deeper.
I paid off a secured loan 1.5 years early. It was for 5, 000 dollars. I applied for another one, trying to work on improving my credit. I was going to use this to pay off my last credit card.
I was turned down. I was putting the $5, 000 dollar collateral into their hands. They had the money up front.
It says a great deal about a bank when you have money to hand over and you wish to do business with them and they turn you down. Again, if I lost my job, was run over by a train, they had the money in hand.
I am pulling away from this bank this summer and taking my accounts with me.
Pathetic.

http://start.cortera.com/company/research/k8q4owp0l/pazz-productions-llc/
I had an item listed on craigslist.org for $20 and got a check from Pazz Productions, LLC for $2, 900.00 and received a BAD AND FAKE CHECK. The bank they deal with is TD Bank North as stated above. TD Bank North is who this complaint is against. Whomever the "buyer" was had the check mailed from Austin Texas! The check was see through, really thin, the corners started to separate and the memo on the check says "pay if less than 5000". This check was addressed to me personally. From what I've read, TD Bank North is a Canadian Corporation. Before the check arrived at my house yesterday, USPS.com said it was coming from CA so I was assuming California. Maybe it meant Canada? I'm not sure. Anyways, No payment was accepted since the check was TOTALLY FAKE! WHY WOULD SOMEONE WRITE AND MAIL A "COMPANY CHECK" unlike the buyer said he was mailing a "CASHIER'S CHECK", for $2, 900.00 when my listing WAS ONLY $20?! NOW THE BUYER WANTS ME TO "WIRE HIM THE DIFFERENCE IN CURRENCY OR WIRE HIM HIS "CHANGE" BACK?!" WHY?!

Stay away from TD Bank, save your money.
Their online system is totally disengaged from reality. Sequence of transactions doesn’t jive with reality, so your balance becomes negative and TD Bank will change you with overdraft fees. Customer service would not help you at all. They did agree in local branch and suggested not to use online tools to check account balance or look at my transactions, instead they suggested to use a registry book (a paper version of my balance). It is 2011 and I should be able to check my balance and it should be accurate. One day I walked in local branch and asked for my balance; the teller said that they can only tell me what balance I had two day ago. Is this a bank institution or a joke? I think after they became TD Bank, they outsourced and modified transactions processing, because for many years with Commerce Bank I haven’t seen such discrepancy. Few month ago my balance went from $3000 to -$3000 (3k negative). They froze my account and also admitted that it was due to programming glitch. It happened on Friday, so they suggested to wait till Monday till they resolve this issue. I could not use my hard earned money entire weekend, I could not buy anything for my wife and kids. This is ridiculous. I’ve had a very discussing and frustrating experience with TD Bank and just want to let you know what I’ve been through, so you don’t go through this like many people did including myself. I switched to PNC bank and I really enjoy great online tools and awesome customer service. TD Bank will go out of business.