TD Bank review: Bank account freeze

TD Canada Trust has caused catastrophic harm to my 90‑year‑old mother, and their conduct over the past six months has been nothing short of negligent and incompetent.**

TD froze and closed her account without explanation, preventing her from paying rent or buying groceries. As a direct result of TD’s actions, she was **evicted** and forced to live in a motel. TD has been fully aware of this harm and has done nothing to correct it.

When we went to the branch to verify her identity, TD refused **every** document we provided — including two Ontario Photo Cards, her birth certificate, her Social Insurance Number, and 30 years of client history. Two senior TD employees recognized her immediately, yet TD still refused to verify her identity or reopen her account.

TD ignored a scheduled appointment, ignored a detailed voicemail left for the branch manager, and refused to prepare for an identity‑verification meeting that was part of an active Ombudsman/OBSI investigation. Their staff openly acknowledged the harm TD caused, then refused to take any corrective action.

TD’s refusal to accept long‑standing client recognition, internal notes, legacy files, or staff verification is not policy — it is **institutional failure**. Their actions continue to harm a vulnerable senior who cannot update her ID, cannot secure housing, and cannot access her pension because TD will not correct the damage they caused.

In my experience, TD Canada Trust has demonstrated:

- refusal to follow identity‑verification procedures
- refusal to acknowledge long‑term client history
- refusal to correct an improper account freeze
- refusal to prepare for scheduled appointments
- refusal to mitigate senior harm
- refusal to act in good faith

TD’s conduct has been irresponsible, negligent, and harmful.
Seniors deserve better.
The public deserves better.

I strongly advise anyone — especially seniors or caregivers — to avoid TD Canada Trust.