TD Bank
Reviews and Complaints

I have a business account, I have lost over $4000 in overdraft fees and yes doesnt matter how hard I try to avoid this fees they always hit the account. And to those slick that always jump saying ohhhhhhhhh if you dont have the funds dont used it, well...I do have the funds but they trick you in all the ways to hit you with the fees. The goverment doesnt do nothing, the law enforcement doesnt do nothing, the bank and our local politicians doesnt do nothing...My bank account is [protected], I hope that someday 1 judge makes them refund back all the overdraft fees that they have take from us like they ruled in California to Wells Fargo.

I agree. TD is terrible. The got away with the shadiest move in banking history: opting in all clients to mandatory overdraft protection and hitting them with fees for every transaction.
I bet they've at least quadrupled their fee income in the last 6 months. Anyone who was a customer since the days of Commerce Bank had grown accustomed to convenient banking. Transactions posted immediately, online banking was accurate, and there were absolutely no fees so if you tried to use your card and had insufficient funds it would simply be denied.
However, anyone who continues to bank this way has undoubtedly faced hundreds of dollars in fees. I went to complain about this automatic opt in for overdraft protection and tried to opt out 5 times. It never worked so I continued to return, get my fees reimbursed and opt out again. On the sixth time, they refused to refund the fees and the manager told me the opt out was not for debits, only checks. They said that I need to manually balance my account with a pen and paper if online banking is not accurate.

For me this is unacceptable. Is it too much to ask to have it like it was for all those years with Commerce bank. I want a bank that doesn't nickel and dime me but simply makes banking easy. TD proudly shows off the JD Power awards that they inherited from Commerce but then goes and undoes all of the policies that won those awards in the first place.

Bye Bye TD. My search for a customer-friendly bank is well underway. I'm not sure if they exist anymore, but my mattress is my backup plan.

they suck over there...i cant tell you how long they have been screwing with my account! I thought i was finally done with them when i closed my account 12-7...to find out 1-4-10 that they reopened my account because a pending trasaction came in 2 days after i closed it...that should of been paid at the end of nov...but since they had screwed my account up so badly i didnt know it was out yet! They are crooks! report they to teh better business Bureau

They say thet will give a refund of overdrafts and never do

I totally understand your issue. I had a massive issue with pending payments that were not actually seen on pending payments. They processed even after my credit was there and they changed the date. Basically they took a check paid on the 5th, and cashed it the 4th. Doing that, it never showed up in my pending account, but they said since they paid the funds, I had to pay bounce fees. It was crazy, they even bounced my bounced fee. After all said in done on the 6th, I had $350 in fees from them playing games. I got every penny back, I also contacted, the senator for my state and filed a complaint, as well as to the BBB. It is criminal. I screen shot everything, I covered my own butt. They tell you they do you favors, by paying the largest bills first and so on, but that is to only create the largest ability to gain more money for themselves. I don't tolerate, criminal activity. They broke the law, and it I hope one day, they get nailed by the government. They have been in trouble in the past, In your case, you could see the funds, so it isn't illegal, just stinks. You can ask for a refund of fees, sometimes they do give them back.

Forget the ability to read ALL the previous post. Guess your sheepish genes are kicking in but what about your dog face probably another ancestor of yours.

No, you conveniently over looked it. Is it from fear or just because your tired of Being STUPID!

Becky Purcell aka Tired of being stupid see the post she is trying to deny.

Do you really expect your delusional and incoherent ramblings to be read? You really are stupid, no one I mean no one would respond like you if they weren't Becky Proof 1. You were positively idea by not just one put 5 different people proof 2 and you will most likely be going to jail proof 3. Learn it love it live it your done put a fork in you,

UNDER NO CIRCUMSTANCE GIVE TIRED OF STUPID BECKY PURCELL ANY INFO PLEASE LOOK HER UP ON REIP OFF REPORT AND COMPLAINT BOARD

when you do a register dont you put in your deposit but when the bank does not credit your deposit for days then what should you do? If the bank pends debits then it should pend credits that is that there is no more . SO tired of stupid up above I had my monies in there they helded it for the profit. who the ### is astealing now.

I am tired of being scammed for every dollar I make from this bank. They are unethical. I have started a blog at the below address. Leave a comment. Leave lots of comments. If I get enough interest, I will start writing to the powers that be in our state houses and Capitol Buildings. I am not well-versed in how this kind of thing works, but I have to believe that if enough people complain about their practices, someone will look into it

http://tdbank-tdbank.blogspot.com/

I AGREE WITH THIS STATEMENT FUUL HEARTEDLY.

I am tired of being scammed for every dollar I make from this bank. They are unethical. I have started a blog at the below address. Leave a comment. Leave lots of comments. If I get enough interest, I will start writing to the powers that be in our state houses and Capitol Buildings. I am not well-versed in how this kind of thing works, but I have to believe that if enough people complain about their practices, someone will look into it

http://tdbank-tdbank.blogspot.com/

I'm in the process of switching from TD to PNC bank. I should have left as soon as they started their insane fees, but I was afraid b/c I've had this account for 20 years, and I do like that they have such great hours. But lately I've been paying fees (maintenance + the ATM fees) so often that I'm losing tons of mnoey. They even lost my paycheck once! I (stupidly & unfortunately) had lost the receipt so had no proof, and they didn't believe me that I'd deposited it, but thank God, they finally found it. I was WAY too nice to them - should have called and demanded some kind of compensation for their incompetence and scarint me to death. So, goodbye TD Bank - PNC is even offering me $150 to switch as long as I sign on wtih virtual wallet I can also go to 2 non-PNC bank atms without penalty per month.

You are 100% correct with this. TD Bank is terrible. It's a shame that they took the world's greatest bank (Commerce Bank) and turned it into a thieving fee monger.
Did you find a new bank that's half decent? I'm actively looking for a new bank and will close my TD account ASAP.

Maybe I'm spoiled from all the years of Commerce Bank, but I don't want to do business with a bank as shady and unscrupulous as TD. Is there another bank out there that's decent and values their clients? TD surely does not.

TD Bank is a borderline criminal establishment -PERIOD
After Christmas, I had only $9 dollars in the bank; so I deposited a check for $800.00.
I expected to wait at least three days before having access to it;
but my statement that said I had an "available balance" of $160.00.
The teller said it was automatic. I'd never heard that.
Then she advised me NOT to use any of it until my check cleared because
FOR EVERY SINGLE PURCHASE MADE FROM THAT "AVAILABLE BALANCE" THERE WILL BE A CHARGE OF $ 37.00.
It is something that the usually "forget" to tell you.
Even a loan shark tells you exactly what the rules and consequences are.
And TD Bank lacks the intergrity of a loan shark.

I completely agree with you. TD Bank opted all customers in for overdraft protection and hit you with a $35 fee for every overdraft. However, if you want to opt out so that it instead denies a transaction there are insufficient funds (as Commerce did for years before), you are unable.
I tried to opt out 5 different times and "their system didn't work properly" each time. On the sixth time to the bank to complain the manager told me that the opt out was only for checks, not debit transactions.
This was completely opposite of what the other 5 bank employees told me and also contrary to what TD wrote in the letters that they send out when one of these fees is charged to your account.

While "America's Most Convenient Bank" (Commerce) has now become America's Worst Bank, they continue to show off the JD Power awards as if they were their own. If you agree with this, be sure to write to JD Power to make sure they don't win again when this time they clearly do not deserve it.

-Missing Commerce Bank

2020 and we lost our Depost.. here’s what happened.

My husband and I started our pre-approval process with TD Bank in early November 2020. We were tentatively approved for the loan amount we were looking for. After finding our home, we put in an offer and were on track to purchase. Our closing contract was set for December 18th. Appraisals, inspections all went on time. What was missing... oh communication from TD Bank. Our loan officer was MIA for 90% of this process. To not answering the phone, return a call or email. We had questions regarding a few things and almost never got replies. We submitted all documents asked and two weeks from closing, we finally get another email asking us to submit documents already uploaded to their online portal. We emailed for clarification, nothing. I finally had to reach out on facebook and got a phone call back. The person confirmed there were some things missing. Now, it’s less then two weeks before our scheduled closing. My husband uploaded the documents that night. This was a Friday, I email the assigned loan officer who has been atrocious at communicating and the person who reached out on Friday to confirm everything was received. I emailed twice that day. I tracked down another phone number to to the loan dept in charge of moving things up the chain. I was on the phone with them for over an hour. At the end of the call, I was told everything looked good, they were emailing their supervisors to help with our communication issues and to be sure our closing was on track. The next day, we get another email from someone who was not our loan officer outlining more documents that were missing and in that email, addressed to us and our realtor, was private financial information along with telling our agent they had no closing date to confirm. So, the realtor knows private financial information he was not privy to. They now have violated banking laws.
That afternoon, my husband and I were on the phone with TD bank sorting through what was missing. In addition to this, we had to go through employment verification a second time in 4 weeks, as the company who they contract misplaced that info and this was confirmed upon asking as we had the confirmation email of the completed documents.
The next day we got communication from the loan department head who took control over the communication. It was too late, the seller was not willing to extend the closing, we lost our substantial deposit along with any monies spent on appraisals and inspections. Two days after what was suppose to be our closing, we got communication from TD bank that we were still missing documentation. I am flabbergasted. After hours spent with 5 different people sorting through the mess, they still had no organization or chain of command . I know 100%, their underwriters and officers are working from home and have no oversight or they aren’t being supervised.
We could not get our phone calls returned or emails returned no sooner then 48+ hours and when you have a 30 day close, everyday matters to be on track. We have now filed a complaint to the sharing of our financial information. Most people would not have caught that error but my Husband is in finance and saw it immediately. I would strongly urge people to not deal with TD Bank and I only wish I had seen previous reviews sooner. I understand the pandemic has changed our world and the way business can work, I don’t however feel this should be an excuse for the egregious errors TD Bank made and how much money it cost us, not too mention we lost the home we made plans for.

Is there a lawsuit in this regard?

I am shocked at the incompetence, rudeness and overt lack of professionalism I have received from numerous individuals in the TD Bank mortgage area. Each person had a different story, I was told that documents printed directly from irs.gov were 'not acceptable' and the appraisal classified our house as a 3 - bedroomed house ( it is four, trust me ! ) .
They offered to arrange for and pay for a second appraisal but then inexplicably changed their minds and said that whether the house was 3 or 4 bedrooms wouldn't affect the price ( even though most of the comps were against other 3 bed houses in my town ) .
Their behaviour and attitude is truly terrible and I hope one day they are held accountable for their tactics which are obvious, blatant and border-line criminal.
There is zero doubt in my mind that if rates move up once a customer has locked in and they want to escape from the obligation, they have a few 'friendly' appraisers up their sleeves from whom they know they'll get a super low valuation and thus claim the LTV %s don't work .

A terrible company, or division of a company, who have some serious and systemic issues that appear to be unchecked and unregulated .

Steer clear !

We have had problem after problem with TD bank since we got our mortgage. Our monthly payment has gone up $300 more per MONTH in 3 years. We can't get a hold of escrow so we called the same guy we dealt with to get the mortgage loan and he said he was unable to contact the escrow Dept either. Wtf?

They just jacked my closing costs up $1, 100 because of a 9 point credit score difference. A 33% increase on what was quoted the day before.
I've been with them over 10 years and have dealt all of the customer service issues mentioned in this blog and more. Incompetence and archaic technology
reign at TD Bank but the worst is: They have no sense of relationship.
The only thing they claim they can do to lower the closing costs is to give me a HIGHER rate or maybe if I can get them lower quote from a competitor. All bottom line with them. Nothing to do with what's right. It will lose them this customer and hundreds more.

Chiming in with complete disgust. I applied for a tiny mortgage (less than 50K). They first tried to tell me the property was in a flood zone, which it is not. I had to prove this by providing FEMA maps and statements. Once I jumped that hurdle, the rate lock became an issue, as did the consistent lack of response and follow ups by a processor named Michelle. In the end, my loan was denied because the condo HOA master insurance policy did not carry flood insurance., which again...I do not need. All this after having paid their fees and a $500+ appraisal. Now I am going through another lender who is amazing thus far. I close in 3 weeks.
I will say, however that the personnel at the branch in NYC who initiated the process for me were wonderful. I hope they can find a better employer someday, as I will be finding a better bank with which to do business.

I had a very similar experience with td - I was approved for a loan, found a home, went through every hoop they asked. I had to send them paper work 3 times because they didn't look in their emails to see they had it. I went into the branch 3 separate times to figure things out. the entire time was told everything is great. we would close on time. they asked my attorney to send them the title - without sending a mortgage commitment, but he did it anyway. then on the actual day of closing - they called stated that they were just then looking at my debt to income ratio and wanted me to pay my car and my student loans off. this is impossible to do. they didn't care that this affects my life, the sellers life, my attorney, or anyone else involved. let alone how much money I have spent.in one day I had to find another mortgage company and be approved again. (which I did and now have to do all this paperwork again-) absolute incompetence from td. I would never go there for anything. when I finish my closing with the new company I will be taking all my money out of this bank - as will everyone I know. I can't even fathom how this bank is still in business, but soon they won't have my business. never use this bank! I promise it won't be a good experience.

I agree with everyone else here. I think they hire incompetent loan processors for a reason. but it doesn't stop their. it goes all the way up to the vps (yes, I dealt with a vp and they are of the same cloth). long story short; I was not able to refinance with them. some highlights of my ordeal: loan processor indirectly threatened me to lock the rate (and they didn't even tell me what the rate was!) or they will reject my application. they kept asking for superfluous documents over and over. they wouldn't check / read the emails that I would send them and would continue to ask for documents that were already sent. the kicker is that they wouldn't contact you for anything. you have to call them to check the status of your loan request and then they would scratch their heads and spew out nonsense that would make your blood boil. they sent emails to the secondary email on file (which I never used for any sort of communication with them). the entire experience from start to finish (finish = when I gave up) was a nightmare one which I never intend to revisit. i'm also moving my checking accounts to another bank in the near future. can't stand the thought of them making money from the free money i'm keeping with them. the low rates may seem appealing in the beginning. but trust me, these guys have no idea what they are doing. before applying for the loan, I googled them and was directed to this site. I figured I have excellent credit and enough equity on the house so I didn't read too much into these reviews. learned my lesson the hard way.

Mr. shon redden,

I just left you the voice message regarding the loan rate lock. the whole loan application process with td bank has been very frustrating and disappointing. the loan processor ms. cordelia roberts is very unprofessional and inresponsible. she claimed that the hoa's providing documents late was the reason for the lateness of the loan closing. but:
Why did it take her two months to find out the documents were not the correct ones? she requested documents multiple times by the last minute. then this has become her only explanation for the lateness.
All people related to this deal, including myself, have found it hard to approach her. she barely explains what exactly she was requesting. she just kept quoting the terms from the documents. if you ask what the terms mean, she just cited them again. it took my attorney and I three days to educate her the contract was a complete contract!
I tried to approach ms. roberts' supervisor to help proceed the process. the complaints have been blocked by her. the customer service line just transferred my complaints about ms. roberts to ms. roberts herself. was this the reason she had the attitude to the case? so if the processor purposely holds up the process, I would be punished by paying late fee?
Even by last friday, may 13th, after we had confirmed the closing date may 17th, ms. roberts failed to deliver the last step. closing department raquel sent her the notice for client to view the cd. ms. roberts forgot to forward the notice to me. I only found the information next monday morning from the closing agent. then we had to reschedule the closing date.

The whole process is very unfair. I was advised, even one month after the origination, to keep the closing date april 15th. I believed her and terminated my rent lease to april 30th. it turned out the closing got one month late plus the lateness fee. can you imagine how embarrassed my situation was?!

I hope td bank is not actively making revenue by fooling clients around in this way. I hope you don't allow unprofessional employees to manipulate the loan process. I hope someone listens and responds.

Sincerely,

Rachel feng

I hate TD as well! When I first opened this account was 20 years ago when I first moved to Canada and still after so many years and I never had a bounced ck they still put a hold on my deposit cks, is just disgraceful! If I deposit my ck through ATM to save time only 200 will be released and the rest will be on hold for 11 days! This bank has no respect for its customers! My husband has an account for 10 years with BMO/Harris Bank, they never hold his cks or and he never goes through this hell. I tried to be loyal but I finally had it!
That was years ago now is the opposite!

I too have had a few horrible experiences since the switch to TD. The most pressing of all, I once recieved over $130 in overdraft fees for small debit card transactions made the day after a paycheck cleared leaving over $800 in the account.
When I called customer service, I recieved disturbing news. First, that the online banking site, and ATM reciepts do not reflect the actual avaliable balance in the account. The representative was unable to tell me how I can see my actual balances saying I should keep better track of my finances. This is the entire reason I use a debit card and online checking, so they will keep track for me.
Worst of all, when I said this didnt fell like Commerce Bank anymore, refwerring to the Regis and Kelly advertising campaign that nothing was changing, the customer service rep made a snide remark about it not being Commerce anymore, so get over it.
I contacted branch management about that, but of course I never heard back.

I totally agree with all of these cooments above. Commerce Bank, at Towamencin, Pa. was extremely friendly, when I walked in, I thought I was the bank president, the way they treated me. I got all my family and friends to switch their banks to Commerce and they did. Now that Commerce Bank told me T.D. Bank take over would be better, everyone was screaming, NO don't take away our Big Red "C". But we all know what happened . T.D. Bank took over. Oh they were good for about a year, then they replaced all the employees with Indians that hate infidels. I went in to cash in my change and asked for help, they just sat there and looked at me in discuss. They don't even want to talk to you. I guess I don't have to say it, but my friends and family have since taken their banking to other banks now and I will soon follow. But I would like to say here, "We still LOVE you Commerce Bank, please come back!"

Commerce had all of the customer friendliness of a credit union and all of the services of a big bank. Out of disgust I have left TD Bank for PNC. I chose PNC because they have some of the policies of the old Commerce. PNC isn’t perfect, but they are my employer's bank (so my payroll deposit clears faster) and they have a ton of ATMs at places like convenience stores, supermarkets and highway rest stops which allow me to avoid fees.

I completely agree. Is there any bank out there that is like Commerce? I'm actively looking to leave TD after being a Commerce Bank customer for years, but I can't find any bank even close to the reputation of Commerce.
TD has terribly slow transaction and online banking postings and worst of all is their recent automatic opting-in of all customers to overdraft protection. It was clearly a move to boost their fee revenues and so shady that I completely lost all trust in them.
Yet, despite their new venture into having as many fees as possible, I still saw the old Commerce signs (now in TD green) at the bank 6 months ago that said "Absolutely No Fees!"
They should be force to give back Commerce's JD Power and Associates awards that they promote so much because it's a completely different bank!

I deposited a government check into my account on a Saturday. On my receipt printed from TD bank, it said my available balance was $269. Therefore, I went and payed a bill, and used my debit card for little transactions. Then I checked my account and I have overdraft fees. That was impossible because I keep my receipts and a spreadsheet for all of my transactions, plus I use online banking. I went to the bank and was told that since it was a Saturday, even tho the receipt said my available balance was $269, the balance was not available until Monday. So all of the transactions I did through out the weekend were all charged a fee.. the total fees charged were $560! First of all, I’m in the “opt out program’..anyway.. I was furious because my account was not overdrawn..and the receipt I have from the bank told me my AVAILABLE balance. So I was told from the bank where I live that they need to call my 'home bank" (where I opened the account, which is 2 hours away from where I live now) because the bank where I live has no say in what goes on in my account. Which i thought was ###..they can take my money..but they cant refund it? So anyway, where I live they said we understand the confusion and your account was not negative, it only became negative because of the charges. They explained this to the manager at my "home bank' and the manager did not want to refund me all of the fees. I was furious because my account was not negative to begin with..i never knew that if the receipt says my available balance..and its a weekend..its not really available until that next Monday. so with all of my fees refunded I would still have 50 bucks in my account.. but instead they refused to refund them all..AND on top of that my bill was returned and not paid..so now I'm going to end up getting a bounced check fee from my bill company! Absolutely ridiculous! I decided to call the 800 number because not being refunded fees i shouldnt have gotten to begin with was unacceptable to me. So as of now, all of the fees have been refunded…this morning I withdrew all of my money and closed my account.

Tired of TD BANK, ever since commerce got bought out it has been a nightmare! They are double changing transactions, over charging fees, and losing checks.. Than the people that work there are just supid... I have to look at my acount more that once a day because, I am terrified that they are going to double charge my transaction, wich they have doon twice already. Then they say I am overdafted wich really not and over charge me on fees. When you talk to someone they don't make any sence, what really happened? For example: I call the bank and talked to someone that just ran me in circles, than whent to the bank and the same thing. Now called the bank a week later to tell them they douple charged me again, didn't mentioned about what happened a week ago but she picked it right away and credit back to my acount. Now why wasn't that noticed the fist time I called or when I whent there, but notice when I'm calling about something else.
Sounds Like they are trying to get MONEY fast, and close the bank and everyone LOSES OUT except THEM.

Td bank is lying and stealing from us. we all need to stand up and stop this, but how do we go about this, we should pick it in front of the banks. i wrote to my congress and told them about TD and told him they need to stop this bank from stealing and be held accountable. Not one person who works at TD has told us the truth about any of these charges. I opted out of their ripped off service. i dont want any charges to my account if i dont have enough money to cover it. but guess what and no one at TD is telling us. even after you opt out you are still getting an overcharge of 35.00, because what they are doing is accepting the charge today and then tomorrow they deny the charge and charging us 35.00 . and for what is that charge. they didnt cover the charge all they do is accept and deny and for that we are being charged 35.00. and no body, no body at td ever told me that. so they are just theives and liars and they need to stop

btw, its not the overdraft that i have problems with, its just about everything else! however, i have had problems with that in the past. especially when certain companies **like toy-r-us** for reason charge the card twice and two pending transactions are listed... but that ### stopped as i took off my overdraft protection...

I AM SO SICK OF THERE ###! THERE GOT DAMN MOTHER ###ING WEBSITE IS DOWN EVERY ###ING NIGHT! I ALWAYS HAVE PROBLEMS USING MY DEBIT CARD! AND TO TALK TO THEM ON THE PHONE LATE AT NIGHT TAKES FOR ###ING EVER! I AM ABOUT TO LEAVE THIS PIECE OF ### MOTHER ###ING ### ### BANK! OH YEAH AND WHEN I OPENED MY ACCOUNT AS A STUDENT CHECKING ACCOUNT IN FLORIDA TWO MONTHS LATER THEY CHANGED THEIR POLICY ON FREE ATM WITHDRAWLS! THERES NO ###ING TD BANK ATM FOR OVER 120 MILES! SO IF I EVER WANT TO TAKE OUT CASH, 2.00 IS ADDED AUTOMATICALLY FROM TD PLUS WHATEVER THE ATM CHARGES.. IT GOES AS HIGH AS $5 SOMETIMES JUST TO TAKE OUT A 20! UGHHHHHHHH ### MAN!

I AM SO SICK OF THERE ###! THEY GOT DAMN MOTHER ###ING WEBSITE IS DOWN EVERY ###ING NIGHT! I ALWAYS HAVE PROBLEMS USING MY DEBIT CARDS! AND TO TALK TO THEM ON THE PHONE LATE AT NIGHT TAKES FOR ###ING EVER! I AM ABOUT TO LEAVE THIS PIECE OF ### MOTHER ###ING ### ### BANK! OH YEAH AND WHEN I OPENED MY ACCOUNT AS A STUDENT CHECKING ACCOUNT IN FLORIDA TWO MONTHS LATER THEY CHANGED THEIR POLICY ON FREE ATM WITHDRAWLS! THERES NO ###ING TD BANK ATM FOR OVER 120 MILES! SO IF I EVER WANT TO TAKE OUT CASH, 2.00 IS ADDED AUTOMATICALLY FROM TD PLUS WHATEVER THE ATM CHARGES.. IT GOES AS HIGH AS $5 SOMETIMES JUST TO TAKE OUT A 20! UGHHHHHHHH ### MAN!

THEIR GOD DAMN PIECE OF ### WEBSITE IS DOWN EVERY ###ING NIGHT! ... And they failed to notify me that i no longer have free atm fee's **reimbursement at the end of the month with a student checking account here in florida** THERE ###ING PISSED ME OFF MORE AND MORE!

iwas a member of td bank and found that there credit card sevices dept and direct banking deposite sites are no secure at all! i did online bill pay on their so called secure site wich let to not only my credit card numbers being stolen but my dedit card number also wich was linked to my savings and checking accounts. fraudulent charges ran rampid through my accounts and i called them imediatly! they dsaid they would look into it and it would be resolved in two days. well 6 weeks later not only was i out 45, 000 dollors in fradulent charges but they raked up another 15, 000 dollors in overdraft frees! i was told the td fraud dept was very good at keeping tack of all td tranactive accounts, well when there was 23 ebt's out of my account in 1 day to 23 different account around the world i would think that would raise a [censor]in red flag td. sorry for the language! i have aquired an attorny and am filing a lawsuit not only for mymoney that i am out but the return of the bogus overdraft feees and the problems they have caused betwwen my morgage company, my jobs loss of time and all my other expenses that have come from this absolute crappy excuse for a banking instatute! if you have or are a td bank customer i strongly sugest you run fast wile u still have a chance!

TD has hit me with a ton of overdraft fees! I'm an unemployed college student going to school in nyc. I barely have money as it is and I'm getting charged 35 dollar fees for a 1 dollar purchase, not just once but every purchase there after...I usually never get just one, i get hit with 6 at a time. If there are any class action suites against them, I'm on board.

TDBank is unfair to there customers.
They have charged me $1238 on overdraft fees.

send me an email i would like to do a class action law suite against them.

Also, their website is awful and is down and inaccessible every other night.

I had over 6 overdraft fees within a few hours. I put my paycheck in which USED to clear instantly but now TD bank only credits part of it. I used my debit card for multiple inexpensive purposes for the next few days thinking my pay check had cleared by the next day. WRONG, that Sunday I realized I had been charged over 220 dollars of overdraft fees from purchases within a few hours and never was once denied at any of the stores. I was able to get 105$ back after talking with an employee. Still, this is absolutely absurd. A good friend got himself into 800$ worth of overdraft fees w/o knowing and they only gave him 100$ back. Needless to say I am closing my account with them. TERRIBLE BANK DO NOT OPEN AN ACCOUNT.

Banking problems with TD Banknorth. Google the president in Maine. File a complaint with the Comptroller of Currency in Texas because I believe they are a federal bank, report them to the Better Business Bureau and file a complaint with your Congressman/woman, State Rep, State Senator, President Obama at the Whitehouse and how about putting it on facebook and myspace and anywhere else you can expose them. Also the Federal Trade Commission.

Fight Back!

I am having the same problem with TD Bank. A month ago, I noticed an overdraft fee of $35 when my balance never went negative. They wouldn't reverse that fee. The manager reversed 2 others that occurred after that. However, now I have 3 overdrafts that should have been 1. I made 2 purchases which did not bring my account to a negative. I made sure to check my balance. A week later, I made 1 more purchase that overdrew my account. This one I know would have the fee attached. However, I just received a letter saying that there were 3 transactions that they posted the "fee" on. They "posted" the transactions to the account all on the same day, which they also did in reverse order. TD Bank does this to accrue more fees. I know the dates I completed these actions, and I am tired of the lack of ethics that this bank utilizes.

i am having the same issues with tdbank...

First of all, i dont live near a branch anymore so i mail in money orders...they recieved one just like they do every week and cleared it through my account . Next day i am flooded with overdraft fees and there is no record of this money order... i spent 2 weeks talking from person to person asking where my money order is and why was it "magicly" taken out of my account WITH NO RECORD OF THIS noone helped me whatsoever, , YET they did remove ONE fee...i recieved the money order inthe mail exactly 2 1/2 weeks later with a "post-it" stating "not signed properly". Now what i dont understand is where is a typed up document instead of a post it...where is the record of money being entered and removed from my account...and why did i still have to pay the fee..and why was it not signed properly when for over 1year the way i was doing it was fine...

Second of all..MY issue that im dealing with now..overdraft fees once again...10:30 pm balance of my account $17 direct deposited paycheck of $200 4 hours later..now im being charged $105 in late fees that apparently went through in that 4 hour period...all my statements state that i never went negative ..the response for that" yeah it wont show that" now why the hell doesnt my own account statement show me the reason that im being charge 105 dollars..ive talked to 2 managers and noone will help me.." WE CANNOT REMOVE FEES AT THIS TIME BECAUSE WE REMOVED FEES A PREVIOUS TIME THIS 6 MONTHS" FOR THE ISSUE THEY ALSO CAUSED WITH THE MONEY ORDER!

ive been so good and loyal to this bank since i was 15 years old..im now 23...ive never had issues like now...COMMERCE Was a good bank..TD is the worst bank, business, or anything ever...i will be taking this to the news, and i encourage others to do the same..post all you can because this bank is cheating people out of money and they are V ERY far behind in proper technological needs for banking.

So i told the manager either the fees get removed or they need to instruct me on how to close my account..he had no problem giving me steps immediatly on how to close...thats also a shame...ive never had overdraft fees, ive never been an issue to them, and they dont care about loyalty or trying to keep the few people they still have.

FYI td is known for "buying" good banks and ripping people off...Td bank is also branched with canadian banks and they are pullin the same crap up there.

I really think the best way to deal with TDBank is become a thorn in their side. I am looking into filing a class action suit against the bank for their unfiar over draft practices. They are clearing the large items first to maximize their overdraft revenue. Take a close look at your statement and you will see a pattern.

Regards,
Greg Carcaci

i can sympathize with you...they never gave me over draft proitection..for a bounced check, but i went to atlantic city knowing i had 6 dollars in my account...i had vouhers and cash with me...wel, l i blew that cash quick...so i i tried on a whim to use my atm cards...im a compulsive gambler, by the way...welllll to my great surprise i got 60 dolars out of my account..wow..then another 100..., .well ypou know the drill..500 dollarsa in all. how and why is this possible, i am saying to myself...they wouldnt cover my check, but im geting cash..what gives?...so, 6.50 atm fee pl, usw 150 in overdraft...that i didnt know i had...wel theyll say why did yo keep getting money then, , , , BECAUSE IM in A/C BROKE, AND PISSED, AND COMPULSIVE, ON TOP OF THAT...SO MY ? WHY NOT COVER MY CHECK, BUT HAVE MONEY IN THE ATM...IM ON A FIXED INCOME, SO ILL BE HAVING A BROKE XMAS...i realize its my responsibility, but i did not ask for this service, and now im paying theprice...i havent called the bank yet, i gotta calm down lol, ...what can i do?

I used to have Banknorth which I LOVED (best bank ever!) and now I have the awful TD Bank with the worst customer services ever. First of all, their 24/7 phone service rarely works. Even to get to the point where they can put you on hold for half an hour is a struggle. When you call their [protected] line you get the message: "We're sorry your call cannot be completed at this time, please try again later." So then you have to call their telephone banking line and then press zero to speak to a CSR.

After being on hold for half an hour, I managed to get a CSR who I asked my question about getting a new card in a couple of months before my current card expires. She answered my question briskly (not a touch of friendliness compared to the Banknorth people, but I didn't really mind), and then she rushed and said: "if there's nothing more, have a nice day bye" and hung up on me. So I thought about giving up because I didn't want to be on hold again for so long but I really need the new card because I'll be out of the country for months and I leave in a couple of weeks and I need my card before I leave. So I buckled down and called back through the same roundabout route (and its not my phone. I tried my house phone, my mobile phone, skype, the hall phone in my apartment, my phone at work, all with the same result).

I'm on hold again now. After about 35minutes on hold, I finally spoke to a nice, but not very knowledgeable-seeming CSR who's put me on hold for the past 25 minutes so that she can "process my request for a new card." I've gotten new cards both from Banknorth and my other bank Chase in the past and never has the entire process taken 25 minutes let alone, putting me on hold for that long, just to "put in the request." Like I mean, was she running to the visa office with it or something? No wonder the wait times are so long, although I was on hold so long, I'm fairly certain she must have been attending to other calls.

She was nice though. But still I'm not at all impressed with this bank. Chase has stand-off-ish customer services but at least they're brisk and the wait times are very short and everything moves along briskly.

The person probably was not the branch manager, so it PROBABLY was NOT A LIE! There are often other supervisors in the office. $15.00 in fees is not unreasonable, when in turn there was a reason! Once more, if they had fees refunded before why should they get more? If there has been a lot of fee reversals in the past for this customer then it is beyond the manager or supervisors approval to refund more. Telling the customer they would be mailed there money was also a bright idea, remove the customer from the situation and avoid more confrontation.

TD's slogan, "America's Most Convenient Bank" is truly a joke. I should have known when I opened my account that I was in for a long-term hassle. After three weeks, my checks had not arrived. The branch manager said he would check it out. He did and could not come up with an explanation -- or the checks. After another week, someone discovered that the checks had never been ordered. In the interim, I lost a $525.00 direct deposit because the issuer needed a voided check to switch the deposit to my new account.
Then I received a rejection notice for the TD Visa. With an excellent credit rating and two other credit cards with a combined limit of $50, 000, I was baffled. The branch could not give me an explanation. I called customer service and a rather brusk representative told me that they would make a decision on the card and notify me within ten days of their decision. I was outraged and continued to push them. Then they found the problem. The first few digits of the social security number they entered were actually the month, day and year of my date of birth.
For some reason, I went back for more confusion and abuse. I opened a small money market account for my daughter to cover part of her college tuition. I desposited $5, 000. When I received the first statement, there was a $12.00 monthly "cycling charge" and a total interest payment of 99 cents. I spoke to the same manager who said he would crediy account for $12.00 and make sure it would not happen again. It did -- very month for three more months. The manager said he didn't understand why this was happening. At last, I found a competent representative when I called customer service. He explained that they had put the funds in an account that required a $10, 000 balance. Imagine that. If I had deposited $10, 000, I would be receiving $1.98 monthly interest. I called the manager and asked him to open an account without this minimum balance requirement. He said he would do so. He never did. I closed the account.
And, today, for the third time, I tried to deposit a check from my stock broker in my checking account to pay my daughter's tuition. The guy at the counter said he would have to check with a supervisor as to whether he could deposit the money in my account because it came from a trust account with my daughter's name on it, even though I am clearly listed as the custodian on the account. I told him that I would close all of my accounts at TD if he did not simply make the deposit.
This is after driving four miles to the nearest branch, which, like all other TD branches in the Washington, DC area is virtually inacessible. No parking lot. No drivethrough. Spent fifteen minutes driving around the block until someone moved from a space with a parking meter. Glad I brought my change! I did get a very nice Christmas gift bag with a TD holiday hat, a windshield scraper for my car and a bunch of candy canes.
TD needs to train their people, establish more locations and plan their expansion with the knowledge that we are a society of drivers.
On the plus side, their technology is slick and easy to use. I was surprised to read the comments hear about problems with their online services.

My wallet was stolen along with my debit card. I have successfully managed to cancel my other credit cards. I called the customer service to report my stolen card and I have been on hold for over an hour. After 45 min on hold, I called on my cell phone and the operator was about to place me on hold when I told her I have already been on hold for 45 minutes. She told me that is the current wait and someone will be with me soon. As soon as this is resolved, I will be switching to a different bank.

first nicky boy i really cant understand all you typed because your obviously an un educated idiot. but if your gambling money, dont talk. thats a foolish thing to do if your crying poor. if your so poor buy what you need and dont gamble... save that for people with real jobs and can afford to live extravagant lives

second, as far as fees. do you honestly expect a bank to keep an account in thier bank and the admin. costs it takes to keep it in there (believe it or not even something non-tangible like an account costs money to a company) sooo they dont want to keep accounts that have nothing in them, to avoid this they charge fees... also, they make people keep minimums so that you have some kind of savings of some sort.

ugh idiots.

im all for it...this has to be the worst banking system in the history of mankind...i have a no frills chk acc..NO OVER DRAFT PROTECTION...so i bounce a check in late august..because my dr. didnt deposit the check for 3 weeks...needless to say it bounced...35 $ overdraft fee, plus the docs...a litle embarassed, but my fault, , low income, bad balancing...well last nite 11/23/.09///went a/c with voucher and cash...blew that fast...and being the desprate gambler i am, tried using my atm card..i knew i had 6bucks in my accc, . but what the hell...welllllllllllto my shock i get 100 bucks...wow i dont recieve my pension chk till 12/01...than another 100, when the dust cleared i got 500 bucks...each withdrawl 6.50 ..thieves!...anyway another complaint here mentioned an atm overdraft 500 dollar balance, , , , , wt, f is that, i never recieved this great news lol...and why did my dr chk bounce, , , isnt the atm account my cking account?...so now 500 + 165+ 36 == A BAD XMAS...im calling a bigshot tomorrow and settling the score, , , , , , , , , , , , dont get me wrong, im no angel..i could have took the 1`st 100 and redeopoisited it, , , but im broke, losing the cash i brought with me...i waanted to win my money back...why did the bank take this upon itself to lend me money and charge interest tony soprano would be envious of...like i said, i know i could have been more responsible...but give a compulsive gambler keys to the vault...now im screwed for the holidays..wipes out most of my pension...im willing to comprimise, but i dont think this bunch gives a rats ###!

I am presently dealing with over $2, ooo- fraudulent charges on my ATM visa logo TD bank card. I reported it immediately, I am going to complain to the state of NY banking dept. I will not allow anyone to get away with this. If you want to complain about a bank in NYS http://www.banking.state.ny.us/cscmplnt.pdf, go to this link. Good Luck!

TD bank is the worst bank I ever dealt with I just came from there and filing a compliant with Dept of banking . They gave me a over draft fee for 1.08 ok then 20$ for not having the 5$ in my acct . Fine I went to go pay the 66.04 my new job only does direct deposit so I go in and they tell meI owe the 70$ from 2009 now I remember this like yesterday I know what branch I went to and what the lady looked like and I paid the 70$ they said no an would not! Give me the rest of my money unless I made the 136$ am a single mom with two kids struggling and I depend on my checks.mind you my frist check from a new job .. I had to pay it now have to go to LI and look for the recipt I hope I still have it.. I want to know if I can sue them ? I really had break down in the bank ..

I have the same problem after i read all those complaints! TD bank is a bunch of thieves! I know there was a class action against them and TD had to pay. I wish i knew! http://www.topclassactions.com/lawsuit-settlements/lawsuit-news/3749-court-approves-62m-td-bank-overdraft-class-action-settlement#

TD bank is a scam with their " pending transactions ". I just sat down with a branch manager for over and hour trying to figure out exactly what they are up to.. Basically, when you make a purchase with available funds. They remove those funds and " withhold them " to ensure the amount gets processed some days later when it " hard posts " to your account. If your account is negitive at the time of the " hard posting " then you will get hit with an overdraft fee. Even though those funds have already been "withheld" to ensure they will process at the Point of sale.

In the words of my local branch manager " The way TD bank operates is very deceiving, you can get overdraft charges twice on the same transaction if it made your account negitive at the point of sale, and at the time of the ' hard posting', a 'double whammy'. You should always keep money in your account."

It's very confusing but if it has happens to you then it makes perfect sense. Complete scam. When your bank tells you they are " deceiving " and overdraft twice on the same charge. It's time to get a new bank.

Example, make a purchase at subway for 10$ on a tuesday when you only have 4$ and your bank will " pend" the funds for a couple days. They take the funds immediately and hold them, so you ARE spending the $ at the time. Your bank will be $6 negative. You will get charged a 35$ OD few for this. The subway 10$ transaction will show as " pending " on your account

Bank balance is now negative 39$.

Don't make any more purchases, leave your bank negative for a few days, until the 10$ you spent " hard posts" to your account.

You get charged another 35$ OD fee at the time of the "hard posting"

Bank balance is now negative 74$ from the same 10$ purchase

If you don't believe it I encourage you to try it.

I've never seen any bank practice like this, and I've had several of them. They actually refunded me 70$ on the spot because of this deceiving tactic.

If your like me and live paycheck to paycheck. Avoid TD bank. I closed my account immediately after I found out about this nonsense.

I am so sick of you people saying: Register your checkbook. I am so to the point with my account register that i know when something will clear. Td bank made a big mistake, because everyone I know that has banked with them has closed their account. I had a checking account with another bank for 10 years and NEVER withdrew my account, TD Bank has taken 100's and 100's to 1000's of dollars from me. Unfortunately what TD does is legal, but it is WRONG and they will most likely go out of business because of it. Way to treat your customers TD BANK.

Yes listen to Tired of being Stupid she threatens people on the phone all day long. That because she and Harry Keane have been coning people on the web. Please check out complaint board, [redacted] and laze.net then put in Harry Keane and Perisiion and Becky Purcell. People they have ripped her off have positively identified her as Tired of being stupid so now she is commenting on other people's boards to stop people from suspecting she is Becky Purcell and not just haunting CMALONE post. Pathetic and funny.

Make copies of your account and the amount available and pending. I keep getting zonked with these overdraft fees also .Well I am going to fight back and send copies to the federal trade and banking authorities

This is robbery! Plain and simple. This never happened before they changed their online systems with the buyout from Commerce. We should get together and get a lawyer involved.

To Maggie:
But KanT55's was not overdrawn. He/she still had money in the acct. TD overdrafts your acct even if you hav $99.99. Anything below $100 - they everdraft you. This is BS

On Sunday December 6th I discovered from the bank that my account was hacked into, and that led the manager to further investigate the issue. In the mean time the bank started charging me overdraft fees ranging from $110 to $220 and there were about 10 such fees charged to my account.

I told the bank manager in the Ritthenhouse Square branch about the fees and he told me to contact the home branch were I opened the account. I told him why should I call them aren't you all linked? But he was very firm in his answer, so I called the Chadds Ford, Pa branch and they referred me to Newtown Square branch. Now I am in contact with this branch and it is almost two weeks that I have got any response from them.

I am not sure which branch refunded my money, but I got my money back but still I have not got my overdraft fees back.

td bank is the worst bank they just charging money for nothing do not open the bank account with TD bank

Yeah TD bank just ###ed destroyed my life, amazingly enough. They suddenly added a 'new fee' that kicked in after a year, which stated that if the account was less than $100, that a new rule subtracts $14.00. Of course the dumb ### subtracted the $14.00 from my account with $10 in it. Sending my account to negative $94. Of course I wasn't notified of it. Of course it was a deliberate attempt by them to scam people with nothing.

Listen to me you ###ing ###s. You ###ed up, that's your withdrawal, your dumb ### mistake. You ###ing pay for it. If TD bank thinks they can TAKE that money from me, you miserable ###-eating ###s, over my dead body, you understand me you maggot ###? You aren't getting ### from me. You want to rob me? You better come with a shotgun, rob me to my ###ing face you ###ing ###.

You knock off my ###ing account, I lose my website, my automatic payments, everything tied to my ###ing account, you pieces of ###. I want suffering and agony for you. I want suffering, misery and agony inflicted on you.

I was charged overdraft fees for no apparent reason. I spoke to a manager who goes by the name of maryanne who is the worst customer service rep ever. This company just keeps trying to charge overdraft fees in order for their workers to get the bonuses. I was very frustrated when trying to resolve this issue with this Maryanne and when I got upset cuz she was not understanding my frustration I called her dumb and she hung up on me. Is this really how you treat a customer when customers is what keeps your job going. I have been a cutomer myself for 10 years and I will be opening another account in another bank cuz these fees are ridicul. my pending transactions were not taken off my balance according to that dumb lady which there for caused the over draft fees. I think this bank just looks 4 a way to screw ppl over n then makes it seem it was ur fault n not theirs. I really am looking forward 2 banking with another bank since tjis is not the first time this bank has made a mistake on my account.

You are entitled to a refund...don't stop until they give you your money back. We should file a class action lawsuit against them.

They charged me a fee because they deducted $15 from my account because my balance was under $100. Not under ZERO, under $100. Then their withdrawal caused me to be overdrafted. So basically, for having $7 in my account I was charged $50. $15 for having only $7, and another $35 because they took my $7 and then some. It's my fault (maybe) that I didn't know about this (don't recall getting notification of this), but theirs for being ###. So I am sick of hearing people say stuff like "Then just don't overdraw" I have NEVER overdrawn in my LIFE before this. I Do know how to add and subtract, and I am not trying to blame someone else. They are doing their BEST to make sure you DO overdraw.

http://money.cnn.com/2009/11/12/news/economy/overdraft_fees/index.htm

Seems this mess gonna be over soon.

The FED thinks consumers need to be protected from the evil banks, so Maggie don't come and say it's normal/reasonable practise from banks when there even comes a law against it.

MAGGIE: Do you understand that this bank is completely shady in what they post and when, CAUSING most people to overdraw? I do my online banking and check it constantly and things will be posted that aren't showing up on my online statement, so when I use my card I get charged a fee. I ###ING HATE THIS BANK TOO! I HOPE THE CEO BURNS IN HELL TOO! They have charged me $410 in overdraft fees, in ONE DAY. And are still posting fees! I CAN'T WAIT to get rid of this bank!