TD Bank
Reviews and Complaints

I have been dealing with this bank long before it became td Canada trust and I have never been so disappointed and angry when I got the letter stating I have been denied a $5, 000 Lone if Credit! My son has kidney failure and is currently on dialysis three times a week but is also going for transplant. I am working 28 hours a week (plus more), have never missed a payment and I do not understand what the problem is. THIS LINE OF CREDIT IS TO HELP WITH MEDICAL BILLS AND NO MATTER WHO I TRY TO EXPLAIN IT TO THEY DO NOT UNDERSTAND! I am asking for temporary help and your bank is not co operating at all. If any ideas or help you can give would be nice because I need it as soon as possible. Text me at [protected] or email me at [protected]@hotmail.com
I would appreciate a response soon not in 7 to 10 business days. I applied on line not through bank itself.

Carol Henderson

I just received a call from a TD employee saying its a courtesy call to make sure our company bank accounts are in good shape and that we are satisfied with their service. I answered her immediately saying everything is good with the accounts and wanted to put off the phone but she immediately went on to checking our bank accounts to inform me if the accounts needed an upgrade. I had to lash out at her as she was up selling me products that my business do not require. Even after such a big lash back from the public, TD bank has still not stopped their tactics. Very disappointed with this bank.

My name is Vidika [removed], my TD Account# is [removed].

I have been a TD customer for over 20 years. I have my Mortgage, RRSP's, 2 Credit Cards, Line of Credit, Personal Loan, Chequing Account, Savings Accounts and Home and Auto Insurance with TD.

I am writing to you in regards to an experience my boyfriend and I had with Randy Diep at the TD Bank Creekside Location in Calgary (12006 Symons Valley Road NW).

There has been a couple of incidences with Randy at this location, where he has been extremely difficult to deal with and speaks to us as if we are second class citizens.

In this last incidence this past Saturday May 13, he was totally disrespectful. My boyfriend banks with ATB. He received a cheque for approximately $1000.00, from his work and wanted me to have the money to help cover our household expenses. My boyfriend endorsed the cheque, came into the TD bank with me, showed his photo ID and Randy told him he couldn't deposit the cheque into my TD account, even though my Boyfriend was standing right in from of him showing him his driver's license. Randy said it was up to his discretion, that it was not a TD Policy.

Randy had us walk across the street to ATB, where we cashed the cheque and withdrew the $1000.00, then we walked back to TD to deposit the money into my account.

While we were at ATB, we asked them what they would do for us in this situation. ATB said as long as you have picture ID with your signature we would deposit the cheque...anyone with common sense could do that with the person standing right in front of them, they did not understand why TD would treat their customer like this.

I am extremely hurt and disappointed with being treated in such a disrespectful and demeaning manor. I have always spoken highly of TD and have encouraged my friends and colleagues to bank with TD. I even encouraged my boyfriend to move his accounts and services from ATB over to TD, however, after this experience, I will NEVER recommend TD to anyone again.

If TD Bank really wants to claim it's "America's Most Convent Bank, " than I contend that TD MUST eliminate paper deposit and withdrawal slips on both personal and small business accounts. Citi Bank does NOT require paper deposit or withdrawal slips. This approach is much more convenient than TD's approach. Not requiring paper deposit slips relieves customers of the expense of buying said slips ($7.50/100), is more environmentally friendly, and protects personal information. I don't want my account information floating around on numerous paper slips. What's worse, my branch insists on writing information from my driver's license on each withdrawal slip. I'm all for checking ID's, but I vehemently object to TD Bank making an endless paper trail of my personal data. Interestingly, TD Bank does NOT require paper slips for ATM transactions. (It's probably the ATM manufacturer that won't allow TD Bank to needlessly and redundantly waste paper.) At Citi, you can reuse a single deposit slip, with an account number but no amounts filled in, to make numerous deposits. Just hand the slip and checks to the teller and ask for the blank slip back. Now that's a truly convenient American bank! So get with the program TD Bank and quit wasting time, money, and effort by relentlessly adhering to antiquated bits of paper.

Recently I got scammed by TD Canada Trust bank
branch TD Canada Trust Branch 443 Queen St W, Toronto, ON M5V 2B1

Basically, I had a basic TD Canada Trust checking bank account that i have used regularly for paying my outgoing bills such as monthly mortgage bills, hydro bills, visa bills ext. I also have Royal Bank Canada checking account that i used for regular banking needs including transferring money by check to TD Canada Trust Branch checking account to pay my bills.

Recently i had major problem with TD Canada Trust after they notified me that the certified check that was issued from my personal checking account at RBC branch bounced therefore they froze my TD Canada Trust checking account and froze all banking activities including my visa account preventing me from paying all of my outstanding bills. I was surprised since i had money on my account and have contacted my RBC branch about this bounced check and after they investigated this situation they discovered their mistake that was made by teller who entered incorrect account on the check.

Royal Bank Canada admitted to made error on the check and attempted to write letter of apology explaining their fault to TD Canada Trust however this action wasn't problem solver to unfreeze my account with TD Canada Trust and to allow me repay my outstanding balance with visa bills including my mortgage and hydro bills.

Instead TD Canada Trust started the financial hardship and scam process against me by accusing me of unjustified fraud and freezing my bank account including freezing my visa account preventing me to repay my monthly balance therefore allowing allowing visa account balance to grow its debt balance to outstanding amount, my monthly mortgage payment amount amount was locked to TD Canada Trust account that was frozen and prevent to have my mortgage company to withdrawal its amount resulted on my mortgage default accumulating extensive financial penalties fees, Toronto Hydro was not able to collect their monthly payment also resulted in fee penalties and risk of having my power to be cut off

After all of my attempts and RBC bank to resolve this problem failed i continued to experience further financial hardship this time TD Canada Trust sold my visa account with outstanding balance to collection company and also reported me to Equifax Credit Bureau and ruined my credit history

I have contacted various government agencies explaining my situation leading me writing a complaint letters to TD Bank Group - Office of the Ombudsman, Financial Consumer Agency of Canada 427 Laurier Avenue West, 6th floor Ottawa, Ontario K1R 1B9, Financial Services OmbudsNetwork (CFSON), Ombudsman for Banking Services and Investments (OBSI), Ministry of Government and Consumer Services 6th Floor, Mowat Block 900 Bay Street Toronto, ON M7A 1L2 also including to local MP The Honourable Bill Morneau all effort proved to be useless effort and waste of time and did not allow me to resolve this situation and most reply i have received from the government sources articulating how they not responsible to tell banks how to act and operate their business and its policy.

I have decided to fight for my innocent dignity about this situation by teaming up with RBC bank and taking TD Canada Trust to Small Claims - Superior Court of Justice at 47 Sheppard Ave. East, 3rd Floor the outcome from the acting judge wasn't favorable to defend my side instead Superior Court of Justice sided with TD Canada Trust resulting in judgment order against me and RBC Canada ignoring the mistake made by Royal Bank of Canada and prohibiting me from any further legal action against TD Canada Trust to defend my identity and repairing my credit history.

I dont know what else could be done to fix my situation i also very disappointed by experience to learn that government of Canada including Small Claims - Superior Court of Justice judges sold our justice to corporate thief and do not protect our consumers rights from corporate scammers and only defend corporations this is no real justice for Canadian residents citizens and consumers

I have been sitting in TD Bank on 150 hillside Ave. For the first half hour of my visit I had to endure listening to the teller talk about how Jamaicans are crazy!Her exact words where.. Us Jamaicans are crazy we break car windows an we don't play no games. We will brake your windows, slash your tires and fight you we don't care were crazy .Then the ranting continued.. I felt like I was in some kind of hood store where the cashier's are loud and ratchet. I for one am not comfortable with this kind of behavior in a institution for business. I have never witnessed this kind of behavior in any TD Bank in the Bronx or Brooklyn or Manhattan.

I have a complaint regarding a lady with braided hair at TD Cottman branch located on the corner of Cottman Ave and Bustleton Ave, Philadelphia, PA 19149 on March 5th, 2017 between 6:55pm - 7:25pm. (I now found out her name is Jackie Brown later from the store manager because she refused to give me her name at the time.) I got to the drive thru at 6:55pm, on lane 3.  Only two lanes were open, lane 2 and lane 3 and each lane had 3 cars.  At 6:58pm, lane 2 was moving faster so I moved to lane 2 with 2 cars ahead of me and there are still the same 3 cars in lane 3.

 I made sure both the green lights were still on, on both lane 2 and lane 3 before changing lanes.  I got to the tube station at 7:15pm, it took the teller 20 mins to service the two car ahead of me on lane 2.  (I figure the service was slow and I didn't mind, it may be due to a new teller because I haven't seen her before and the usual teller have changed job to another bank.)  I sent my tube as the third/last car was pulling up to lane 3.  We were the only two cars left. The teller told me she will take my deposits then a lady with the long braids hair just came out of nowhere and said I have to come back tomorrow at 830am and she sent the tube back to me.  When I got the tube back, I realize it was not deposit.

 I told her I was here at 655pm and she didn't care as they both walked off to the back.  I must have pressed the send button by accident instead of the call button because the tube station was closed and I still have the tube in my possession.  After waiting a few minutes with no one in the front of the service window, I was thinking they both were closing up since she said everything was shut down thats why she didnt take my deposits.  So thinking kindly, I got the car in lane 3's attention to let him know, they are probably gone for the day because we were both sitting in our cars for a few minutes with no one at the window.  He told me, they are servicing him.

 I got very upset, why are they servicing him when they told me everything was shut down.  I waited another few minutes, when they got back to the front, they just ignored me and continued to service the car on lane 3 which that transaction took over 5 minutes.  I finally got the teller to speak with me, I asked why was that car service and not me?  I even got to the tube station prior to him and I definitely was here before 7pm, the braided lady got on the mic and kept speaking over me, accusing me of arriving after 7pm and when the teller was saying something to her, she told the teller, I must have circle around.

 None of these accusations are true.  I did not go anywhere but waited.  I ask the teller for her name and when the teller was talking to me, the braided hair lady just turned the teller's mic off.  This got me extremely upset.      Please have the cameras review, I was there before 7pm, at 6:55pm exactly with both the green lights still on.  I waited over 20 minutes to get to the station and had no service, then I waited another 5 minutes to just tell them I got the tube and can't send it back, then another 5 minutes for the braid hair lady to talk over me thru the speaker and making false accusations.  I am outraged at this kind of service and how can TD bank hired such unprofessional.  I am requesting the manager and upper manager to please contact me regarding this complaint.  I want to make sure cameras are checked and that girl with the braid hair gets written up.  She refused to tell me her name.

If this is not resolved and TD bank hires such poor unprofessional, I will have no choice but to move all my business elsewhere.  I will request all my clients to move their business as well.  I understand, losing a few clients means nothing to your bank but I can not continue to go to a branch to get poor attitude people and no service.  And to have them ruin my evening for no reason at all. I called customer service as well to make the complaint which took over 30 minutes for a customer representative to get on the phone.

The phone customer service rep was good and she listened to my complaint and she said she will direct the complaint to the manager. I have sent several mails directly from my business account and as of today, I still have not gotten a response. I email the store manager directly the same evening and even stop by the branch directly the next day to return the tube and make my deposits.

I spoke with the branch manager directly. He told me I will get a personal and written apology from her but I did not get it yet. I feel this matter should be handle effectively as you do not want other customers to get this kind of unprofessional treatments. She needs to be trained on how to treat customers instead of making false accussation for what she have done WRONG.

TD bank needs to hire professionals, someone who can handle this matter appropriately.

Your prompt attention is greatly appreciated.Very upset Customer.

I was a customer at TD Bank before it was Banknorth. I fail to understand the practices that allow so many overdraft charges. I opted out of their overdraft policy which should not allow purchases if there are insufficient funds in the account. Recently TD Bank put a new policy in place that promises to deduct transactions as they occur and not by highest amount to lowest amount. This was suppose to minimize overdrafts. This is not the case. Before the new policy was in place if a deposit was made while transactions were processing, the transactions that would overdraw the account were covered. This is no longer the case. In addition to this, transactions that use to be shown on my online account don't always appear leading me to believe they have not arrived at the bank yet. I am finding that if I make a transaction Friday night, it doesn't show up until Monday morning when everything gets dumped in (all according to the time they occurred). The new policies have not helped the customers and quite possibly have made things worse. This bank always seems to find a way around things to allow maximum charges in their favor. I still don't understand why there are overdraft charges on my account at all when the transactions should be declined if there are no funds in the account. With opting out of their overdraft service, why are there overdrafts at all?

1/8/17. called to address the mysterious maintenance fees being charged monthly on my account. i couldnt call for the last 9 months because i was oversees with no access to a phone. ive been a reliable customer for YEARS and the lady said there was nothing they could do about the hundreds of dollars you guys have taken from me. you didn't send a not about the "fee", i was not told about this "minimum". i'm a resonable woman. you should be telling your customers when you're blatantly taking their money for no reason. if these charges are not recouped i'm going to take my business elsewhere. and the lady was awfully rude so that wasn't pleasant.

My name is Andre Lewis. I am a Customer with TD Bank. I am extremely upset with Staff, Sarah, Laura and another lady which is the manager at Great Neck location also unprofeesional staff at Hillside Avenue, especially the male manager. I am tired of long lines at Hillside Avenue always 40 minutes or more or my entire lunch break with horrible customer service and maybe two tellers to do the drive thru and internal banking, also few days before Christmas time, the male manager says he had an emergency and ran out. Really where is loyalty towards your customers. Also, the Great Neck staff and manager told me last Wed that I couldn't cash a cashier check made out to my wife and I, without it being void. Who makes up thede rules, fee days before that Sarah told me my wife Mrs. Lewis had to come into the branch to cash my $1, 000 cashiers check that Hillside Avenue always cashed without a problem, which Great Neck staff called up Hillside branch to see if check can be cashed since they issued our names on the cashier check and drcided we need an account with my wife name on it, why if my name Andre Lewis is listed on my cashiers check?TD need to get it together immediately and I will take all my funds out, I am beyond sick and tired of staff and changing rules everytime. Training might work or a strict Manager that has knowledge how to run a branch. Keep it up and alot of customers will leave TD and bank elsewhere, enough is enough. I can be contacted at [protected] or [protected].

Reference acct. # [protected]
We moved to Texas more than a year ago. There have been no assets in the account for months and i believe that i cancelled the account. I continue to get statements with increasing maintenance fees even though the account should have been closed months ago. I was told that the account was written off but that the writeoff would follow my credit history (my scores are in the 820 range) I request that the fees be waived and the writeoff be reversed so that no black mark attaches to my credit history. I called customer service on 1/27/2017 and was told that they had no record of the closure but that my account had been closed. There was nothing that customer service and recoveries could or would do for me. This is an incredibly poor way to treat a long term customer. I repeat, I believe that I closed the account. At any rate this is an incredibly minor request and i hope that you will rectify the situation.

Howard l. Rosen

On, 11/14/16, I called TD Bank inquiring about a Notary for my WILL. I was told to go to MY BRANCH on OLDEN AVE, and there would be NO PROBLEMS. On 11/15/16, I drove 30 miles to get my witness for this service. Upon arriving at the bank, the Rep. stated that he needed to ask the manager about NOTORIZING LEGAL DOCUMENTS. The response was NO! I immediately explained my prior call, and stated that I've been a customer for 20 years. As we were leaving, the MANAGER laughed as he waved to us. I stated that I was going to BLOG this treatment, as well as withdraw my finances from TD BANK. While in the car, I again dialed the 800# and explained my circumstances. After several minutes, I was again told to return to the branch on OLDEN AVE! This Rep. gave me the # for the Olden Ave Branch, where I was told via phone that they DO NOT NOTORIZE LEGAL DOCUMENTS! My witness took it upon herself to call another branch regarding a notory. We called the TD BANK in Mt. Holly, NJ. I am happy to say that the call was extremely pleasant, and professional! Ms. Teara Hodges was my Rep. She apologized for our treatment from the other bank! My WILL was NOTORIZED, and we were on our way in less that 20 minutes!

We got a call from TD Bank asking us if we have authorized ACH transfer of $34, 694.68K to multiple accounts. We were informed that the account would be immediately closed and he needed to go to a TD Bank branch to re-open a new account. We visited TD Bank the next day to discover the account was still active and the funds had been released by TD Bank. There was no record at the bank of any issues with the account. We filed a police report on Monday, August 8 2016. A new unauthorized attempt was made on 08/11/16 for the same amount. No one from TD Bank questioned the new ACH attempt and the only reason it did not go through is because of lack of funding. We did not have access to the account at that time so it should have been very easy to catch. This may be a case of insider threat, why could they not stop the transfer? This is extremely frustrating and devastating as a small business.

I recently was defrauded by a fraudster using the services of the TD Bank of America in Brooklyn my.

In 2015, I made 3 wire transfer to satisfy an agreement to buy Intel shares and warrants.

In 2016, I was talking to several investigators at TD global security
And brought this to their attention . Investigators told me that they were aware of the account . The account was being used to collect money from
Victims and forwarded on to the fraudsters.

The impression I get is that the bank is protecting their client at all costs,
Enabling the fraudster to continue.

The account was being used as a transfer point, tell me now with recent patriot act and so the banks checks and balances never picked on this activity.

Shame on you

I have only been with TD Bank for 3 weeks. Every week there has been some issue which requires me to call and be on hold for 28 minutes before being transferred to another customer service rep who has no clue what's going on. I received 5 different debit cards each with a different number and one of those cards was a Business card. How about sending me one debit card with the correct information. There is so much confusion and chaos with this bank. I had an electronic transfer from another bank to TD Bank which put a 7 day hold on an electronic transfer. The customer service reps with the exception of Jeremy out of the Piscataway NJ branch are not professional or knowledgeable.

HUGE mistake doing business at this bank. I want a do over.

I called the [protected] line this morning to pay my mortgage. I waited 14 minutes and 46 seconds until the first real person answered the phone. The lady was very pleasant, but she needed to transfer me to the Mortgage Dept. which she did. I waited another 16 minutes before I hung up. I called back during my lunch hour the mortgage number that I was given [protected] had I had the opportunity to wait 21 minutes and 26 seconds before anyone answered the phone. I have got to believe that this wait time can reduced significantly.

I was not able to use my dbt card for more than 5 days, about $ 2000. I called them over the phone 3 times, more than 30 minutes each time. Each time they say I reported the card as lost or stolen but actually I didn't. Nobody wanted to tell me who called the bank, how he/she got my card number to report it nor how to protect myself against the same problem from happening again. They said I can't fix this issue over the phone, I've to check in at one of the branches, although I told them I've no time to do so and this is much hassle but noway. It was a bad experience & i decided to close the account & seek an other bank.

I went to TD bank for a home equity line of credit on a home I own outright. There is no mortgage! I have very good credit. I got them over 19 documents immediately and then waited. Michael Doctor was the processor assigned to my case. I found that out only after going to a local branch because no one was getting back to me. Michael Doctor does not return phone calls. He even told me it was useless to speak to a supervisor and would not supply her name or contact info. Once I did find out who his supervisor was SHE DID NOT return calls. They continued to ask for the same documents over and over again with long waits in between -- Id call for an update since no one was contacting me and Michael would say - oh the underwriter said you need so and so. I'd supply it immediately and not hear back. I'd call and he wouldn't call back, I'd e mail and he wouldn't reply. I'd call Michele Kemp, his supervisor and she wouldn't return calls. This happened time and time again until this morning OVER 2 MONTHS into the process he called for another document I sent weeks ago - saying -the underwriter wont accept so-and-so. I told him I'd had enough and to withdraw my application. I am starting the process with someone else today. WHAT A WAIST OF TIME. Ignorance and incompetence at its worst! Mind you, I have no credit or income issues! Don't even get me started on the checking account they had me open to get a lower rate. Closed today as well. Also, always super long lines at the branch with only 2 of the 5 desks manned.