TD Bank
Reviews and Complaints

I called to fix the mistake they did on my balance. I explained my problem and she keeps saying I was wrong and she wasn't making me talk. She was disrespectful and I told her I'll call back to review my bank history because I wanted to calculate everything and I did just now that I am right. When I said that I'll call her and I said it twice, her response to me was " what for ? you're not right " And she's making it look like I'm poor or something was very offensive. She said " are you saying that you're not supposed to owe us money ". The last time I told her that I'll call back, she didn't say anything and she hanged up.

Never in my life that I was treated like this. I feel so discriminated and i feel so much hate. Everyone tells me I'm nice and all and I et treated like this. That girl should lose her job.

Like even if i was wrong she had no rights to act like that to me.

I was advised to close my TD Bank account online and that going to the branch would not be necessary, I could send a message online and it would all be taken care of. I sent the message on 9/16. on 9/17 they accept an electronic debit from Midland National Bank AFTER they were advised to close the account and tacked on additional $35.00 fee. Now the account is overdrawn and they wont close it until there is a 0 balance on the account. THIS IS USUAL TDBANK BEHAVIOR and it is the reason why i'm leaving! had i gone to the branch and closed the account, the account would have been closed right then and all transactions bounced. its unacceptable that i spend my money on fees after i asked the bank to close the account!

TD Bank blocked my debit card after I purchased tickets in London over the phone because " the transaction was unfamiliar" to them. TD Bank never contacted me and the only way I knew they had done this was ten days later when I was denied the use of the debit card, on-line banking and phone banking services. I was forced to go into the local branch to find out what was going on and it was only then I discovered I had a "hot card"! Apparently TD Bank cannot use the several phone numbers or email addresses it has for me to alert me or spare me the embarrassment of being denied access to my own money. Wait it gets better! The next day I received 3 calls from the 3rd party Quebec based survey company that TD Bank uses and which DOES have my number and knows how to dial it. When I called to stop the madness, TD Customer Service supervisor advised me it is not their policy to inform customers that their card has been blocked. Simply not their policy to spare customers embarrassment or leave them hanging without access to their own funds.

TD Bank uses a law firm in Hackensack, NJ. for collections named Winne Banta. They have filed for liens with the court using incorrect information and withholding pertenent information that would cause the court to deny the liens based upon funds being exempt from this type of action. In condoning this behavior as well as maintaining relations with Winne Banta TD Bank stands complicit in allowing Winne Banta and its minions to violate our rights under the 4th Amendment which prohibits illegal search and seisure of property.
I have consulted my US Congressman's office and have verified that this action is illegal.
To date Winne Banta, the local bar association, which is across the street from Winne Banta, and TD Bank have not commented nor have they attempted to rectify this wrongful action.
Winne Banta and its pool of legal vultures needs to understand that the court grants lawyers special status and that lawyers, when seeking action, need to step up to the moral and ethical standards in which the courts allow to their behavior and truthfulness. Winne Banta and TD Bank so far have not earned the respect or either myself or the public at large.
Shame on Winne Banta (filled with lawyers that would make you believe they are worth $400/hour when, at best, should work for minimum wage) and their funding source, TD Bank for permitting a culture so deceitful.

The overdraft thing is inappropriate and I feel illegal, charges need to be filed against them and they need to be investigated. I walked into the branch last week due to an overdraft fee of $210! When I watch my account religiously and always know what my balance is and what is coming out... considering I schedule all the payments. (This was after I was treated very rudely by an Online Banking Supervisor that hung up on me.) I advised them that they would be reversing the charges or I would take every cent I had between my 3 accounts out ASAP, including transferring my car loan and filing a complaint agains the bank. I have been a customer for 18 years. After the threat, I was able to confirm that 1) they DO NOT POST transactions to the account in the order that you use your debit card, 2) they POST THE HIGHER $ transactions first and 3) they posted debit transactions before my husband's check was deposited even though it went in electronically at midnight the night BEFORE. I got this person to admit to me all of the above, her system did not reflect what I see as a customer of their bank. BEWARE! I advised them that as a customer of their bank none of those actions are appropriate. I got them to reverse the fees. I was also handed a paper check register and advised that online banking is only a tool. I handed the paper check register back and advised that if the transactions are not being posted in the correct order the paper register is not going to help me in any way. I was not suprised to find that they did not have a response to my comment. Oh.. and right before I got up to leave, they advised me that I qualified for a credit card through their bank! REALLY? That was exactly what I said to them. REALLY, you are really offering me a credit card? No thank you! GET RID OF THEM QUICK!

Strike 3!

In late may/early june I was going away on vacation out of the country. I stopped at a branch and told them specifically I will be out of the country and do not freeze my account for strange charges for a week.. First day on the cruise what do I get frozen account.. Strike 1

One month later I took my lunch and went to go fill up my car with gas.. Live in nj so they pump then charge, card got decline, walked into the little to go store they ran it just in case card still declined.. Walked over to the atm tried to take out money with more then enough in my account still declined... Called customer support turns on visa cancelled my card due to fraudulent activies by a company I recently made a purchase at.. Td bank did not warn or notify me of my card cancellation. I have one other credit card for emergencies I do not like to use and if I didnt have that I would have been screwed.. Strike 2

Went and took 300 dollars from the td atm in my town.. Atm gave me 260 bucks.. I counted it 5 times before calling customer support. Was repeatedly put on hold until they said the atm ran out of money and they will credit back the 40 dollars by tomorrow morning.. Next day no money... Called back and they said since I took it out after 10pm it is the next banking day and will get it back the next morning.. That morning came still no cash.. Called the local branch they tell me that the customer support is wrong and that they are lying to me and that they have to audit the atm to see if it is over 40 dollars.. At that point if it is they find it over I get my money back.. Conflicting stories strike 3!

Is anyone interested in starting a class action suit against TD Bank? I have had a horrific experience with them and I only just opened my account last week! They've held both a check I deposited AND cash, saying because I'm new, any deposits have an extended hold. A check, I can understand holding for 2-3 days, but a cash deposit? There's no justification for that. As someone who was unemployed for a little over a month, every single dollar counts. With a new job, I was excited to finally catch up on my bills that fell behind and have general living expenses paid. They've literally taken all of my money hostage, creating quite a horrible financial hardship. I want to start a class action suit. I want to show that we can't be subjected to ridiculous policies for banks that are already insured for any sort of fraud that might occur. WE need protection from banks, not the other way around.

The Devil's Bank (TD) is run by a bunch of crooks! They do not care about the human beings behind their numbers. We are in the middle of a HELOC subordination nightmare with TD Bank. They refuse to subordinate our Chase Bank HARP loan refinance when Chase Bank is willing to loan us 5 times the amount that we owe to TD Bank with no problem at all. TD Bank took our application fee, cashed it, denied us, and keeps the money. This is the SECOND time we have tried in order to refinance our main house mortgage, and TD Bank is holding us hostage by not subordinating our loan. They are a bunch of heartless jerks, and I hope the entire universe knows that by the time I am finished explaining my story on the internet. They do not deserve to be in business. They have no regard for how they ruin people's lives. The funny thing is, we WANT to pay them what we owe them too, but they are holding us back! So stupid they are. TD Bank does NOT deserve to survive!

This branch is poorly managed and the policies of TD are ridiculous, what kind of " Bank " won't clear a government issued cheque " WOW, their discretion is based on Racism and/or age, My history with TD is 7 years personal & business with a high ratio. No late payments no overdue or late paid visa card with limit of + 25k yet this loser of. Branch won't even clear 1500 on a 10k government cheque, as well as limit my ATM deposits to 200 available immediately ...

My other bank accounts compared to TD
Scotia 2k available immediately
RBC 1.5k available immediately
TD 200 available immediately

What a joke of a Bank !

Go ScotiaBank

TD customer service in this branch is a complete joke, the setup is ancient and the tellers are judgmental and self absorbed !

I closed my business & Chequing acc., closed my savings, closed my us dollar acc, closed my TD visa 25k limit card and burnt my cards and cheque book after 7 years of trustworthy banking ! Go away TD banks, SCOTIABANK IS THE BEST BANK FOR LOTS OF REASONS, JUST TRY SCOTIA IF YOU HAVE TD! 10 TIMES BETTER !

We've had our accounts at TD Bank since it was Commerce Bank, and since the Tribeca branch opened. We moved because the Bank of New York was just not as pleasant as Irving Trust had been (before the merger...). While some of the staff were inept, a few of them really stood out as can-do people.

When we joined with others to form Wildlife in Tribeca, a group engaged in urban wildlife rehabilitation, incorporated under the New York State Education Law and operated by state-licensed wildlife rehabilitators, opening the corporate checking account at (now) TD Bank seemed appropriate. WiT does not have a great deal of money; it is organized so that it never will (a matter of preserving tax-exempt status under IRC 501(c)3 and 508(c)1(b)); what's there is to pay the costs of medicines and related supplies, and to manage funds for support of animals — mostly birds — sent to sanctuary upstate.

Recently, we have noticed that the way in which the minimum deposit is calculated for this small account seems to have changed in ways that are effectively punitive. Consequently, we are now finding substantial maintenance fee charges even when we have maintained balances well above the minimum required, except for a day or two, during any given month.

We are looking for a different bank — one that doesn't consider it necessary to deplete funds of small charities, the kind where 100 percent of gifts (mostly from trustees...) are used for the charitable purpose.

As for TD Bank: It is a shameful organization.

I opened a checking account with TD Bank a month ago mostly for bill paying as I lso have a separate checking account that most of my payroll check goes to. I used my debit card for several small purchases while checking my online account to make sure pending items were deducted from my available balance so that I could easily keep track of my balance. All charges debited and pending were deducted from my available balance. The following week, my direct deposit went through and my car insurance was to be directly debited to my acct. When I rec'd the email from my car insurance that the fee was returned, I checked my acct. I was charged NSF for $105 twice. My remaining balance was $2.60 and then the next charge was for $105 NSF. I went to the bank and called the 800 number. They charged me NSF fees for three items on my account that show as paid in the online account but in there separate software, they show a different balance and charged each debit a $35 fee. They tried to explain that the debits were pending. I told them that accoridng to my onlin acct., it's each item is showing as paid leaving me with a balance of $2.60 so why would I be charged $105 when it's showing as paid with a balance in my account. I told her I have never had this problem with an other bank before. She proceeded get angry and did not want to listen to what I was telling her. I asked her to please long on to my acct. online acct. so that she could see what I'm looking but she was not interested. TD Bank only returned $70 back to my acct. I changed my direct deposit to $20 per paycheck until the unfair NSF charges are paid in full and I'm closing the account with this horrible bank with horrible customers. How does a bank justify two different balances and proceed to try to explain it away as pending charges even though it's showing as paid right there in black and white? They should not be allowed to get away with this.

I have this TD bank account since 2002, its been 10 years up until now. Its been a loyal customer, and introduce a lot of my friend to use their services, this is what i get back in return, a BAD services. The purpose for me to filling a complaint is they TD Bank hold my PAY CHECK for more than a week due to long weekend holidays. Well i asked what is the reason you TD bank holding my pay check for? These was never happen to me before. The teller told me that he want to check the company if the credit is good?( i am wonder how the hell you teller can check a company credit if it is good or not, really? u got such power?). So i asked the manager, she (Karilyn Heckbert) can you release my cheque? And the answer i got back from her is, the reason they holding my cheques is this is the first payroll cheque from the New Company and according to their POLICY, they will hold it no matter what. First of all, i have been in TD bank for 10 YEARS. Every 2 weeks payrolll will get deposit, doesn't mean that i just changed my job, then TD bank decide want to have my cheques hold. This is so ridiculous. And by the way, I have another account with BMO, they will never get my cheques hold! i will cash out everything once the cheque release, and close this TD bank acct for sure, and not recommend to anyone at all!

Just when I thought that TD Bank couldn't screw me anymore, they pull me back in with their shenanigans and ineptitude. I closed the last of my 3 accounts on June 15th after they raped my checking account of $315 for overdraft fees.
Despite phone calls and speaking directly with branch representatives it was clear they would not refund any of my monies. I figured I would pay their fees incrementally and be done with them. However, my direct deposit from my employer could not be stopped, so TD got their money. I went the next day to close my account. There was a pending debit to my health benefits plan and so I left enough money in to cover the pending transaction. I felt renewed. TD had my money but I was done with them for good.
This morning my health benefits plan advised me that the $163.95 was not transferred as the bank claimed my account was closed. I could not access my account online so I called the TD 800 number. "George" tried to help but after being on hold for a while he said I need to contact "Debra" and gave me her number. He had tried to reach her but kept getting voicemail. I then tried and got voicemail but opted for another rep by pressing "0"; voicemail at that rep's phone, pressed "0" again and got to Debra. She claimed to not be the correct person/department but took my info and would have someone call me back. I waited a bit and then went to my former branch. The rep who had closed my account on the 15th happened to be the lucky one to assist me again today. I do not blame her as she truly was as helpful as could be. She could not figure out why the $163.95 was listed as a "DDA CLOSING ADJUSTMENT" on my account transaction statement. Darlene called whoever she needed to call and was told she needed to send 4 e-mails throughout the TD conglomerate and wait for their response, supposedly by end of day--one of them being Debra who couldn't help me earlier. No one can tell me where my money is. It isn't with the health benefits plan it was scheduled to be sent to. It is not in my account. I hate this bank. I despise this bank. By the way, I opened an account with my credit union. I am totally finished with commercial banks. Good ridden and I hope they all fail.

I started with Commerce Bank before TD took over. The service stinks! I received a notice from my landlord that I owe $50. in late fees. When I call TD they tell that they will put the money back in my account that they had deducted four weeks ago. Cornela #723 tells me that they made a mistake on a paper check, not a transfer. She also states that I should have been checking if it cleared. The bank showed it was paid online but doesn't show it as a check so you can not check. It also shows cleared in the reconcile statement. I have never had this problem with my other banks, and if I did, they would have added the fee back to my account. I guess TD needs a new stadium. Beware, before you open an account, I would check some credit unions. I have been having problems with TD in the last year, and it looks like a growing trend.

I deposited 173.00 dollars and i didn't use the cash until the next day when i looked at my account i saw that i was charged twice in overdraft fees one for 70.00 dollars and the other for 35.00 dollars. when it clearly said online that all of my funds was available. so i doubled checked with a rep over the phone and in a branch that i was passing by to make sure that i had all the funds. when i finally looked online myself to check my balance i saw that i had no money and in fact i owed money to them. This is not the first time this has happened to me. So i called the hot-line to get help and i was told by the supervisor that it was okay that my money was gone (basically saying it is alright that they ripped me off) then he said that he want to help me prevent this in the future meanwhile i was like where the hell is my money. also i was told i could not get a advance because i got one last year and that was my last time which no one ever explained to me what the whole advance is about and besides that it is a new year so what does last have to do with this year NOT A DAMN THING. now thanks to their screw up i have no way to make it to work or get food. THANK YOU TD BANK ! I will be closing the account soon.

I had account with commerce bank and I closed this account before moving to west coast. I had never received any mails from TD bank / commerce bank. I got mail from collection agency for $57 for maintenance fees. I talked to TD bank customer service n collection agency they were not ready to listen, just pay the amount.
I hope there will be some regulations for banks . My two cents please save all the documents from TD bank when you close the account. I HIGHLY RECOMMEND STAY AWAY FROM TD bank. The are some other good banks in east coast like PNC bank in east coast, I had very good experience with them.

I have been paying my mortgage on time (or a couple days early) for nearly 15 years now. In the past few years, I’ve been able to send more than I owe each month in order to pay additional towards the principal balance. Ever since TD Bank took over from Mercantile, I’ve had repeated issues with how they choose to apply my augmented payments. The past two months in a row, they have chosen to take my payment (which was over double what I owed each month) and apply it to “other” on my account instead of applying it as my regular payment plus additional principal. When I called in March to find out what happened, they were polite enough about it, but still indicated that this misapplication was somehow my own fault. This month, when it happened again, I was treated very rudely by the collection department and the representative actually argued with me and said that “he doesn’t understand why I am sending” the payment early or for such a high amount!? Again, this ‘misapplication’ was somehow my fault. Basically, he said I should not make the payment 3 days early because it is confusing for them. Of course, this just means that they want to encourage me to send the payment later and run the risk of the check arriving late so they can just charge me more late fees. After having this experience repeatedly now, I feel I cannot trust this bank as they seem to be trying to get whatever late payment fees they can out of their good customers with these fraudulent tactics. I am going to refinance my mortgage with a different bank (my credit union) and get away from TD Bank. I will never use TD Bank for any service in the future.

I originally came to Commerce Bank 11 years ago for my first checking account because it was the bank trusted and used by all of my family and friends. Since the TD transition, I have noticed increasing drops in standard, service and courtesy; including the lack of courtesy I experienced today in your Quakerbridge Road branch, which is exactly why I’m switching banks. I came in today to discuss 3 $9 fees that came out of my savings account and to begin to close my accounts. I was not informed about the 6-transfers per month rule nor was I told that there would be a $9 fee if I transferred more than 6 times in a month. According to the arrogant young man whom I worked with today, I should have been given a pamphlet on the subject upon my bank visits. Well, I have direct deposit and I do all my banking online… I only come to the bank in rare emergency situations… so when is it that customers like ME would be informed about these fees?
Back when I was charged $9 for the first time in the beginning of February, I called YES2000 and the woman rep told me that the $9 fee basically bought me 6 more transactions for that month, and I believed her…. Only to be charged it again twice more in February! Not only is this irresponsible business practice, but the fact that your branch Manager‘s outrageous attitude of “well she’s closing her accounts anyway so who cares, no refund” just infuriated me even more!
The fee situation is what gave me the final push to Citi Bank and your incompetent and arrogantly displeasing staff was just the icing on the cake. I’m sure that the same family of mine who brought me to Commerce will join me in walking away from TD Bank. I’ve never been so offended in my life.
Acquiring contact information to voice my frustration was another aggravating feat. I’m so fed up!