| 5 star: | (3) | |
| 4 star: | (2) | |
| 3 star: | (1) | |
| 2 star: | (3) | |
| 1 star: | (27) |
If you think Bank of America is bad, steer clear of TD Bank, the INconvenient bank in America. In addition to their incompetent, careless customer service, the bank allows itself to steal your money.
Recently, I encountered a concerning issue where I was double charged for a transaction with identical details: same date, same amount, same vendor, and same transaction number. Despite providing evidence, TD Bank has refused to issue a refund, leaving me feeling cheated and frustrated.
I've decided to take action by submitting a formal complaint against their unethical practices. Additionally, I've already closed my Visa account with them and intend to close all of my remaining accounts. In my experience, TD Bank stands out as the epitome of the worst banking experience in America.
TD is greedy. Do they keep the promises they give to their customers? Rarely.
You’re only allowed to transfer $5,000 a month to another financial institution! How crazy is that! Chase allows $20,000 per DAY! You can’t expect to be a major player in the US with such restrictive policies. It’s 2024!
Right as I’m getting close to pay my full balance, TD bank double my statement in one week. This put my usual one month ahead payment into a late date from due date. They did this to charge me late payment fee so they can scam me out of money. Never had this problem with Bank of America. Stay away from TD BANK CREDITCARD, AND DEBUT CARD.
IIM CLOSING ALL MY ACCOUNT WITH TD BANK AND MOVING WITH WESTER BANK!!!
This is the worst Bank that I've ever encountered. They will hold your money to draw interest for their own benefit! Don't bank with them under no circumstances. They don't explain anything to you when you open an account and they're very eager to take your money. I don't know who owns this bootleg bank but t I do know that they're crooks and should be investigated by the FBI. Whomever has an account with them I advise you to get your money out of this bank, close your account as soon as possible, and find a reputable financial corporation. I said it!
I wanted to open a new acct & deposit a larger check in Rock Hill, SC The amount exceeded FDIC, so I asked about daily cash withdrawal limits, bc I’d reduce the amount below FDIC, for my own security. The bank declined opening the acct. Keep in mind that I was only asking to withdraw my own money. So, I decided to change to opening a smaller acct…which they also declined simply bc of my previous request for information about daily cash withdrawal limits. Clearly, they want to keep YOUR money from you. Local Mgr was nice, but useless bc of his leadership. True story.
ATM had an issue, asked me to manually enter the dollar amount without giving me the option to return the deposited cash. Next business day, they put a "deposit correction" debit on my account. On top of that, they put another "deposit hold". These two debits caused my balance to go negative (I initially had a bit more than 100 bucks there). Called and they said they would initiate an investigation. I said in the meantime can you at least give me my initial balance of 100+ dollars? They said can't do. Next day, I was further charged 35 dollars for them overdrafting my account. I called again, they said they would reverse the overdraft fee and also informed me that my ATM dispute had gone in my favor and they would remove the hold and return the funds to me the next day. Not a pleasant experience, with their super-aggressive deposit hold strategy causing my balance to go negative for a while. Never in my life had I overdrafted. Also very nerve-racking waiting for the claim to be approved (cause if it is not, I would’ve had to escalate).
Every time I go to their any location they will never solve my problems.
I was TD Bank Location 300 W 125th St New York, NY 10027
The banker one Latin lady I met there refused to answer my question, she ignored me and took another Latin lady in her table and I confronted her she flares up, and security flare up and manager in their shift that supposed to stop the disagreement join them to attack and the manager was pushing me out of the bank. This is the worst experience. Manager, other bankers and security are unprofessional and irresponsible. Because of this I closed my account and they refused me loan I requested. They aren’t nice. They nasty and ghetto. This is a ghetto Bank. Several times the banks are so mean to me. People should stop banking with them, please guys stay away from this ghetto Bank. Imagine the manager of the bank jumped on me to fight me ? The woman manager is a Ghetto
This is a bank with a shady corporate in Toronto! Do you live in Toronto?? Better open an account in Nigeria with criminals than TD!!!!!!!
This is a bank with a shady corporate in Toronto! Do you live in Toronto?? Better open an account in Nigeria with criminals than TD!!!!!!!
The ATM ducked my card in and I just need a replacement card. They have one person tod8 it all! Ridiculous!!! I have been with them since Commerce Bank which I might add was way better! With all the fees they charge they can't afford more help????
I am a black female business owner, and I am appalled by the lack of support and denial of services provided to me by TD bank. I deposited over $250,000, and still, TD bank refused to approve a credit card for my business, and also denied my request for funding. Recently, TD Bank blocked my using the business' ATM card for NO REASON. I left several messages for whom I thought was my "personal banker" at TD in NYC, and he never returned the call. So disgusted by the lack of service, I just moved my account to Navy Federal, and within one day I have received more than the services and solutions provided to me thru TD Bank. I am President of The ED-TECH Group Inc. Do Not Bank With TD BANK!
According to data form the US Federal Reserve, more than half of companies with black owners were turned down for loans, at a rate twice as high as white business owners. The report found that while black-owned firms were the most likely to have applied for bank financing, less than 47% of these applications were funded. TD bank joins the ranks of other banks who have failed repeatedly to support my small, woman-owned, minority business, in excellent standing with Dunn and Bradstreet and with an excellent credit rating.
This company is absolutely the worst I have ever dealt with in my 44yrs on earth. I purchased a phone through them "Samsung All Goods". I was never sent any payment info and was not sure if it was billed directly through my phone bill. My notification came when I noticed a hit on my credit report and through Credit Karma I tracked down TD Bank as the company. That 1 was my fault. Then I set up auto pay and it failed to process another payment. Frustrated with the company I called in and asked what the entire balance was and was told an incorrect number leaving a balance of $130 on the account. They never call and go directly to pinging your credit report so I was hit again. I again called them asking what was left on the account to zero it out. AGAIN I was given an incorrect balance of $22. I paid the $22 and AGAIN was hit on my credit report. Calling once again , extremely angry, I asked what the remaining balance was and was given YET ANOTHER incorrect balance but this time I asked to speak to a supervisor. The supervisor finally gave me the balance and the account was/is and always will be closed from here out. This company is a hustle to hit you with late fees. Before them I had a 100% payment rating which dropped to a 97% after dealing with this 1 company. If this review saves 1 person from the headache it was worth my 15min.
Do not open accounts with TD. My business Visa credit card is being charged every month and no one knows who is getting the money. I had to make 8 phone calls to TD customer care. The endless authentication process is excruciating despite being authenticated by the TD app. Spoke to Stephanie, Haris, Julia, Aman, Mira, Bithusha, Hanif in a single day and the manager Karen Licorish who was the worst. The service has not been provided. My credit card continues to be charged every month for some random "vendor"
DO NOT use this bank.
They will steal your money. I have paid thousands on a Credit Card I never had. They will not respond. They only care about stealing money.
I am an overseas client who has endured many an ordeal with TD Canada Trust. Firstly, their telephone prompt states that all collect calls are accepted, however, this is not the case at all. In fact, there is no way of placing such a call from Australia and even if there was, I cannot see how a collect call would or could be accepted. Time difference aside (this is not the bank's fault), clients are made to listen to minutes of automated irrelevant "talk" before being able to access the myriad of options, only to be placed in a queue that can sometimes last over 50 minutes. When a CS rep finally attends the call, as polite as they are trained to be, they often fall short of competence. It's the luck of the draw. I've often also been accidentally disconnected which when calling from overseas is an annoyance beyond expression. So, case in point (one of many): I asked for a new Access Card to allow me to make EFTPOS purchases when visiting Canada. The first card was sent (regular mail, I'm told) on June 30th with the assurance that my existing password would allow me access to my online EasyWeb account with the new number. Well, this was not the case because the CS rep neglected to give me the new Access Card # and when I called back, there was no way of TD knowing what that new number was. Amazing! So, it was I who offered a solution: deactivate that card and issue new one, this time giving me the new #. Success! But here's the thing: neither card ever arrived in the mail, so the prudent thing to do was to cancel the 2nd # and issue a 3rd # Done. The address they had on file did not indicate the State I live in (it's a matter of adding a couple of initials, like in Canada a BC or AB or ONT), but I was told their system did not allow them to enter this info. Amazing. Also, TD is "unable" (aka "too cheap") to send this card via courier. Amazing. All the while, I'm dealing repeatedly with its BS (take that acronym!), its incompetence and paying for long distance calls.
I found their offers extremely misleading. Was offered a $200 bonus for a new deposit and was denied after 3 months because I had transferred the funds into checking before opening the accounts. Online service was extremely unhelpful.
THE MOST HORRIBLE BANK
AND DONT TAKE IT LIGHTLY!
THE MOST HORRIBLE BANK, DONT LET THEM FOOL YOU WITH START KINDNESS EVEN IF THEY ARE NEVER KIND!! THEY WILL NOT PROTECT YOU OR YOUR MONEY EVER!!!! FROM FRAUD OR UNINTENDED PURCHASES> THE CUSTOMER SERVICE IS RUDE ALL THE TIME AND UNHELPFUL ALWAYS!!!!
FIND USA BASED BANK INSTEAD THAT IS WHAT I DID> MUCH HAPPIER NOW>
I'm confused why it states on TD Bank's website under deposits that "the first $100 of any deposit is available immediately" because it certainly isn't. Also, I'd like to know why I opt'ed in for overdraft protection had positive balance yet my overdraft was NOT covered AND I was charged with a $35.00 overdraft fee?! I'm confused here.
I opened an account in Jan 2021 because of a promotional flyer I received in Dec 2021, promising a $200 bonus.
The branch customer service was mediocre, at best. Turned out that the rep who opened my account didn't tell me about the restrictions on moving money to external accounts.
Most of the time, when I called the branch, it went to VM. As a result, I wound up making unnecessary trips to the branch and spending tons of time on the phone with customer service.
On one of those trips, a Senior Banker (SB), promised to get me the info I was asking for. They never called me back. When I asked them the next time I saw them, the person simply shrugged their shoulders and said they had been on vacation. Huh? How about ensuring someone else picked up the ball?
One of the times I walked into the branch, the phone was ringing away and a person with a SB tag was busily chatting with the tellers, while the phone continued ringing.
Re that bonus, I was told it would accrue to my account 90-120 after account opening. That didn't happen. Then I was told it would be 90-120 days after the direct deposit had started. That didn't happen.
Finally, customer service denied ever sending me that promotional flyer and hence that bonus.
I've very briefly summarized the poor experience with customer service. That represents hours spent on the phone and email, with some less than polite behavior.
As I said, this was the worst banking experience I've had in many years.
Horrible customer service. Poor options. I'm pretty sure they are collecting your info to SPAM YOU. Seek other financial services and institutions
Great stock market bank! Highly recommended ONLY for traders
Terrible, terrible, terrible! I have my business account with TD Bank and have had it for about 9 months. Since opening the account they have put a HOLD on every check we have deposited except for maybe 2 checks that were probably $500 or less. If you own a business do not use this bank. They dont have a clue about cash flow and how important it is to a small business. This bank should not be able to open small business checking accounts. When I called them this afternoon after having enough they told me that they do this when they suspect fraud or a counterfeit check. I asked if it was possible that all 50 plus checks we have deposited could all have been counterfeit, including the ones from the Federal Government and from the State government in which I live? The gal didnt have anything to say. I asked her to explain how identical checks from the same customer with the same bank info was getting a hold put on the check when they cleared fine the first time, to which no response. My guess is that TD Bank is a Toronto based bank which makes them international. They probably have to clear all deposits from the US by using an international clearing process which takes forever plus how many bank in the US like dealing with them which probably puts them at the bottom of the priority list. So if you rely on the payment your customer gives you in the form of a check and you use this payment to pay your bills and employees then do not use this bank. If you have plenty of money and do not care how long it takes for your checks to clear then call me please.....we need money Good luck and choose wisely!
TD Bank refuses to pay the $300 bonus that they routinely advertise on their website, checkingbonus.tdbank.com/digital500.html. I applied for a TD checking account using this exact URL and I followed the instructions & requirements exactly as they were listed in the disclosures section at the bottom of this web page. After complying with every single requirement, TD now tells me that they will not pay the bonus because they say I ‘used the wrong website to apply for the account’. Again, I used checkingbonus.tdbank.com/digital500.html, which anyone can see for themselves is one of TD Bank’s own webpages and it actively advertises a $300 bonus for opening up a checking account. I asked TD Bank to tell me what is the correct URL if checkingbonus.tdbank.com/digital500.html is the wrong URL. They refuse to respond to this question and offer nothing more than a very robotic ‘promotion bonus is denied for applying on wrong website’. I have spoken to no less than 5 managers at TD, who all agree that the denial makes no sense. However, the managers state that “only the promotions department can fix this.” The promotions department does not have a phone# to call and they have stonewalled and failed to give a logical explanation for nearly two whole months. Very miserable experience with this bank!
After my mother passed away December 2020, I was left to deal with her account she had setup with TD & had my father's retirement payments deposited into & his life insurance premium paid out of. My father was an authorized user on the account, but her passing somehow put a freeze on the account and kept my father from accessing the account for months. It was a nightmare to straighten out but we handled it. Cut to present day 7 months later and my father has now developed Alzheimers and he also recieves my mother's pension check that she left for him also deposited in TD account. Having just spent 5 years battling ALS & losing my mother to it & now taking care of my father with Alzheimers I have met with many organizations offering help through equipment donation and now & then monetary donations. I had spoke to an organization out of Irvine California the 1st week of October and received a check for $1800. Nothing insane or mind blowing & as I assumed would be done a hold was put on the check after 10 days it showed as cleared & the balance available was there which included both pension checks on Saturday morning. We have bills due so I go to pay the electric bill and my payment is declined. I reenter my debit card #again declined. I'm looking right at the app showing there is money there then get texts from TD fraud department. I call they ask me to verify transactions and end of conversation. Again my payments decline. Call again no one can tell me why it's happening. I get transferred from person to person for 6 hours in total to finally be told I had to go to a branch personally to verify my identity Monday morning. I drive an hour out Monday to the branch only to have the employee look at me like I was stupid and tell me that they don't know why I was sent there they can't do anything about it & can't explain what is going on. I lost it... Eventually I am told that they've closed the account completely and I will get the balance owed mailed to me in about a week. After 12 years. No warning, no explanation. If anything was fraudulent it wouldn't be on myself & why release funds just to deny access to them? Now I'm waiting for my electricity to get shut off and have no access to any of my money & TD bank doesn't care at all. Makes 0 sense. I've never beheld such ineptitude & inconsideration as I did dealing with TD Bank.
So far TD has been a really good bank for me
If you trade in the stock market, then this is a the perfect bank for it. If not I personally wouldn't join TD for a personal account.
Good bank if you invest in the stock market, as you can trade with TD Ameritrade and TD Bank makes that easy.
This review is for TD Bank as a whole. I've been an account holder for over five years. Back on July 16th, I used an ATM on the street on St. Marks Place. It was not a TD Bank ATM, which is my fault, but I needed cash to pay back a friend of mine after we went out for dinner and a few drinks. I put my card in and nothing happened. I tried again a few times and nothing happened. I was afraid that the card may be getting skimmed, so I gave up. My friend and I parted ways and I went home and went to bed in the East Village.
At 7am, I woke up and checked my account info (I was worried about the weird ATM interaction), and my checking account was -600! The charges were $100 at a Citibank Bike at 1:49am, TWO ATM withdrawals for $800 and then $200 immediately afterward, at 2:38am & 2:40am, a $10.40 charge at a deli at $4:14am, and a final attempt to withdraw $200 in Brooklyn at 4:56am (but my account was in the negative so they were not able to take anymore out). I immediately called TD and requested they cancel the card. They were not empathetic and when I asked when I could dispute the charges, they said they would have to wait until they cleared because it was Saturday. Monday comes and the charges aren't cleared. Tuesday comes and the charges are cleared and I go through the whole series of events again with a customer service representative. They file the claims. A week passes and I hear nothing, until I call them and then they say that the claim was denied. "There was no way it could have been anyone other than me. The chip can't be replicated. Etc"
Well, I know for a fact it wasn't me and I despise the insinuations. After some back and forth over the next few days they told me, "Well, if you file a police report maybe we can do something." Well, I wish I knew that immediately. I filed a police report that day, almost a whole two weeks later on July, 27th. The detectives took down all my information and subpoenaed the Deli footage and the ATM Footage. The Deli footage was erased by the time they got around to it and the ATM footage (owned by Chase) is still pending.
At this point, I have lost all faith in TDBank as a secure bank. I'm disgusted with them and their customer service representatives. I'm in the process of switching everything over to another bank where they'll hopefully have my back. At the same time, I am stuck with them until the police investigation concludes, if it ever does.
I am a new customer & was very confused about something pertaining to my account. I was blessed to have Glenda be my rep today. Best customer service ever!!! So knowledgeable & kind & patient with me. She cleared everything up for me & then some. Thank you!!! I really appreciated her help.
This bank was very disappointing to deal with. I was treated very coldly and was dismissed as an annoyance instead of a valued customer. I hope I never have to deal with another representative of this bank.
Went to TD bank ATM to get money out. The machine ate my card and took the money out without giving me the money. Holiday weekend now I have no card. The bank teller was no help and I think his instructions when the machine was acting up made things worse. I asked for a supervisor, sat there for 15 minutes and one never appeared. To boot, they did not put an out of order sign on the machine and the customers were telling me this happens all the time. Specifically this was 2944 Gravsend Neck Road, Brooklyn. Save yourself and avoid no card on a holiday weekend. This bank does not have a clue about customer service.
They took our first home purchase and made horribly stressful and a terrible experience.
I would give 0/5 starts if the review let me. I am a a graduating medical student to work as a doctor in the US Air Force. I used this bank for a physician mortgage. This was the worst mistake I feel I could have made. Escrow was 40 days (longer than usual ) and this bank never responded to my emails, realtor's email, or title company when we kept inquiring about progress. I spent hours on the phone with them correcting information they said they never received and showed them where it was uploaded ON THEIR OWN PORTAL.
3 days before the close they emailed me saying they never full-filled the paperwork in time and I needed to handwrite a letter saying that if I did not close on the agreed upon date it would cause "financial hardship" for me and my family. List all the expenses related to traveling, appraisal, inspection, etc. I had to go out of my way and take responsibility for their mistakes. You would think this was their first mortgage loan.
The day of closing, their math was incorrect, the title company had to keep sending paperwork back to the bank for corrections. Then the bank's mortgage dept. stopped responding on email, or answering the phone calls. We almost didn't close on the date because they didn't provide the correct paperwork. the time was pushed back multiple times and the title company almost closed before we got in. We flew back home the next day almost devastated. They ate up so much of our time, and caused so much stress, we never had time to pick furniture or move anything in before flying home to finish out our last few of weeks before the move.
Find someone else. Especially if out of state, military, or a in the medical field. you can do better.
They charge you 15 a month if you’re below 100 which is kind of annoying.
A day after opening an account with TD Bank online, I tried to transfer funds to them, but couldn't login. After several calls to their Customer Service line, and after some wrong info ("Just wait another day."), I learned their Fraud Department had blocked my new account, which had nothing in it yet. Why? They said I hadn't gone to a TD branch in person to show government-issued ID, which they require. After a 70+ mile round-trip to show them ID, and in-person assurances that all was now well, I learned that my new TD account had been deleted. This fiasco took place over ten days, required 9 phone calls (each with hold time), and resulted in my decision to never use TD Bank!