TD Reviews 298

I cannot get into my account with correct info. I was told for security I need to prove who I am and would text me code. I never recd. I called the MOST INCONVENIENT BANK and was told if I didnt get the text to ask them to call me which I did. Never recd call. After about 8 minutes I recd text with code. When I entered was told incorrect security code. This is the worst bank ever!!!!!!!!

I have been with TD a LONG time- and possibly this is the final month. It started simply - over the last few years. Not just the sudden price gouging, more and more hours and personnel reductions - but in Dec I received a notice of 'non-use' of a credit card. I was told it would be closed unless I used it within a certain term (well past the end of month) - and then they sent me 0% balance transfer offers. So I decided while in personal transitions as is, I would take advantage of the offer, keep the card in good standing - etc - by doing a mini consolidation. I calculated the exact balance transfer fees vs other payoff amounts and overall cost to pay over time with 0% vs other budget, etc. I called TD to confirm the fees, terms - and customer service had no clue except to give me the 'script speech'. In any case, these were smaller amounts so I went ahead. But with holidays and slow mail- when transfers could not be completed online or over the phone, I made sure that the mailed checks they sent me would be appropriate. They told me as long as I mailed them prior to Jan 10 - and, also that the numbers on the checks corresponded to the offers.

The first online attempt failed. Why? my credit card had already been placed in a 'close' mode with TD internally. So I had to call in and request a reinstatement. The second online attempt was fine. The third and fourth - had to go by mail. So I checked with them again- same answer. I even asked- since I have no control over what the receiving company schedules were -- what would happen if they processed after the Jan 10th end of offer date? Again- I was told- it was on record I called, the numbers on the checks corresponded to the offer - I would be fine.

I received my statement today. Not only was there some strange messages on them- I also had figures that did not correspond to any 'subject to interest' balances and there was interest charged; plus -it stated that one of the items -- received by the debt company on Jan 5 but not processed until a few days ago -- is NOW FULLY INTEREST CHARGEABLE STARTING NEXT MONTH PLUS BALANCE TRANSFER FEES.

I thought- ok, I had all the notes to call them and work this out, right? NO.

Instead I was rudely told I did not know what I was talking about - they spoke over me and told me I was speaking over them and their 'computer notes' were more accurate than my experience. They refused to address the mathematical sum that did not add up to any other figures in the account - and hung up on me (2 different people) and basically treated me as if I was ignorant at math and banking. I even told them I worked in banking in the past. At one point -- one person even told me that "balance transfer subject to interest" was the actual interest payment due (until I pointed out the interest was a completely different column AND figure) -- and my guess- they are trying to write up notes in their system to cover themselves AFTER they were the ones being rude to me.

In addition, I have some medical bills and a sudden leaking shower and they had sent me a personal loan offer the other week. That is a separate department. Not only was I inquisitioned heavily, that department sounds like an outsourced loan agency that has zero visibility to my nearly 15 yrs of banking history (many multiple accounts) there. So not only was my credit score dinged, they kept asking for other documents from TD internally (note- TD also had changed some of their statements to quarterly rather than monthly) - and, had a higher interest rate than my other banks.

So, at this point, they have lost all of my trust, and I do not want my money with an institution that has so much internal disruption and chaos. It is time for me to find another institution ASAP, especially for the USA side. I cannot feel comfortable knowing I will be treated this way by people who could not do math on the other end of the phone to begin with.

The last 2 events occurred within the last hour. At this time, I am prepared to find another bank tomorrow. I also have written several complaint emails to secure customer service messaging for them to see later in which I have clearly stated that I felt tricked into the 0% offer (since I already had suggested I cancel the balance transfer idea first week of January and use other methods of consolidation or payoff if I was going to risk any interest payments) -- and am prepared to report this to banking regulatory agencies as well as social media ASAP. I never realized they thought so little of their customers or employees to have such a horrible environment - and surely this will enforce a huge exodus of business from their corporate institutions. I may give them one more chance- but as of tomorrow, I will be shopping for banks that still want to service humans and not just steal their money with legal loopholes and lies.

Horrible customer service . These people suck. My dis had a bank with them. She had so many problems money missing and etc. reported it many times fraud. They took money out and didn’t tell her she supposed own money. I’m not sure how when she reported fraud. These people either don’t care or are stupid. They should have wrote it down there was issues with someone attempt to stuff to get account as fraud. Yet never did that and now coming after her for money either thow she reported as fraud numerous times. Beware this bank is a fraud and scam. Go elsewhere.

I've never had such a bad experience with a company. Please choose another bank.

Julissa from customer support was very nice and helpful need more people like her working as tellers 🙏🏻

We have several checking and savings accounts. There are TD debit cards attached to the checking accounts. When we opened these accounts we CLEARLY specified daily limits on ALL TRANSACTIONS with these cards as a security measure. Recently I needed to have one of these card’s reissued. I sat down with a banker to set the PIN and MAKE SURE ALL THOSE LIMITS REMAINED. When my wife needed to have her card reissued we discovered that those cards had been RESET to the TD MAXIMUM. We had no communication that was to happen and certainly DID NOT REQUEST IT. That meant we were walking around with cards that had a $5000 Visa purchase limit INSTEAD OF THE $200 LIMIT WE HAD SPECIFIED. NO NOTICE NO COMMUNICATION THAT LIMITS WERE ALTERED. This is a HUGE SECURITY PROBLEM. All someone had to do is access one of those cards and start charging after correctly guessing the 4 NUMBER PIN. Bank branch banker could only guess that the limits HAD BEEN AUTOMATICALLY RESET WHEN THE CARD WAS REISSUED. WHAT????

If I could leave zero stars I would. This place is a rip off. I got a zero interest loan for a bed. One payment was late, ok my fault, I get charged a $29 late fee. I get a letter in the mail that my next payment is late. No just checked my bank and it was not. Call TD bank and now I am getting charged a $40 late fee because the statement are always a month behind and my dec payment is late. but it is 11/29 not even dec yet. Answer this? no answer. bunch of thieves!

TL;DR I'm forced to pay $3500 in fraudulent charges

It’s sickening that TD Bank has rigid high standards for its cardholders, but will not stand up to extreme credit card fraud. When I opened a credit card in 2023, it was a triumph after initially being rejected in 2018, then spending years building credit. The banker told me to use credit exclusively because it was safer than debit. I have been painfully let down by TD Bank and online banking.

To use mobile banking for my credit card, I had to add an authorized user. This is because the app opens with a pop up. I dismissed it many times, but eventually added the requested information, naming myself as the only authorized user. Since I already had a card, I did not expect another one. A second card was mailed to me without my knowledge. It was stolen. By the next month, there were about $3500 in fraudulent charges on my account. I did not see & report those until four months after the last fraudulent charge.

Last summer was rough for me. I suffered an injury and had ambulance bills. I spent an enormous amount of money on an important move and was packing up my life. My grandmother was ill. I did not have a debit card, so all of my transactions were on credit. The summer’s pain dragged on into the fall when I realized my account had been defrauded.

The first fraudulent charge happened so quickly after the card was mailed (six days) that I now doubt it arrived in my locked mailbox. By following up with merchants, I learned that my card was used with a fake ID to buy a phone & a phone line two weeks after it was mailed. None of the agents I’ve spoken with know for certain how the card was activated, but you told me that it had to have been done online. It’s unlikely that one of my two devices, a phone and a laptop, was used to activate the card. At the time, I lived alone.

As a user, I expect online banking to flag suspicious activity or at least to clearly show cards and transactions. TD Bank takes no responsibility for stewarding my account from theft & fraud in that way. I was not notified that my account had a second card added to it, so there was a break in the chain of custody. No one was watching the card activity. In comparison, Discover alerts me to card activity daily so that I can review it.

During that difficult summer, I made two mistakes - I interacted with a frequent pop up in my mobile app, and I did not export the PDF statement for June until four months later. The second card is only visible on the PDF export. The pattern of spending on the second card is clearly fraud when I can see it.

The amount demanded is about 10% of my net salary, before rent. I feel gutted - I have lost sleep and appetite due to stress. I had started applying to professional development programs, but will now have to postpone my dreams to pay a thief’s debt. TD Bank has continued to charge late fees and interest during the past two months when I have been calling the bank weekly to dispute. To avoid interest, I would need to pay in full with the gift my grandmother left me in her passing. I am crushed.

I acknowledge these agents for helping me - the Harvard Square branch opened my account, the Brighton brank aided my filing a claim. There have been five calls from collections. I received help from customer support agents & a manager. Investigations, Credit Card Services and the chairman of the board team spoke to me at length. These friendly representatives professionally enforced an impassive policy that ground me down until I gave in and began to make payments again.

Today, TD Bank has managed to squeeze about $4000 in fraudulent charges, interest & fees, but has lost a truly lifetime customer. I learned about bank accounts for the first time while on a Girl Scout field trip to TD Bank. I looked for the big green door handles any time my parents took me to the bank. I trusted TD Bank with my checking and savings, but my money is not safe with you. Your process simply isn’t justified. It certainly doesn’t work for me. My parents are likewise chary about their TD accounts after witnessing the extraordinary way this bank handles fraud.

CFPB Complaint # 231108‐12453638

TD Bank customer service is extremely unhelpful with any issues that arise with your account. I have a mortgage with TD bank and there are always withdraw issues almost every 3 months despite having an automatic recurring withdrawal setup. They withdraw whenever they feel like it and it's a mess trying to ever ask anyone over the phone for help. I also had surplus money in escrow and for a whole month there was a ton of confusion between the in person branch and mortgage division on the phone regarding with happened with the surplus. Do yourself a favor and choose another bank. Too much unnecessary headache.

Call me crazy, and a few have, but I cannot find the 'log-out' on the TDcardservices website. And I'm sure I'm not alone. So in it's lack of wisdom, instead of making that function obvious on their site, they came up with a solution, just stay logged on and inactive for 10 minutes and THEY'LL log you off? Sickening!!

TD Bank HELOC (tapintoequity.td.com) is a total waste of time! After 20 days with a 800+ credit score, 1 million dollars in real state and a 6 figure salary the loan was denied.

If I could give them zero stars I would. I have had nothing but negative experiences with TD. The best way to sum it up is like this... If Satan worked at a bank, it would be TD

SHAME ON TD BANK!!!I purchased two tickets to see the band Mammoth. As soon as I clicked purchase, Ticket Master gave me the Q code to some other band playing at Hollywood Casino on the same night just an hour earlier. I notified TM immediately and offered the $130 purchase just be credited and transferred to the concert I wanted. It didn’t happen. I contacted TD Bank and provided them all the emails, date and time (all within hours of a purchase for a show a month out) TD investigated twice and reversed a provisional credit, siding with TM despite overwhelming evidence. I’ve been with TD 18 years and this is how they treat an honest claim from a loyal customer. I’m switching banks

Horrible customer service. I had a Samsung Credit Account with TD Bank. The online account access would lock. I tried call customer service and both times was on hold for over 20 minutes. No other way to get a hold of customer service. I just paid the balance online and closed the account. The worse banking experience of my life. Don't do business with them.

I was a little early for a dental appointment, so I thought I’d go to the nearby TD Bank branch in East Windsor, NJ, to take care of a simple cash deposit. When I went to the ATM machine to complete the transaction, the cash deposit function was disabled. This was the SECOND time in a month that I encountered this inconvenience. Since there were only three people ahead of me in line in the lobby, I decided to fill out a deposit slip and do it that way, even though there was only one teller servicing the lobby. What a terrible decision!

It took a completely unreasonable 25 minutes before I could get to the counter. To make matters worse, the SINGLE teller assigned to the lobby was operating on two speeds: “Slow” and “Stop.” During that time, at least six more customers entered the line behind me. No effort was made by any of the other employees in the loan area or the drive-through to alleviate this delay, nor did anyone apologize to those stuck in line or at least express gratitude for our patience.

I have been a customer at the bank since the Commerce Bank days, and I must say this level of service and disregard for their customers is completely unacceptable. I have noticed a steady deteriorating customer experience at all of the local branches I frequent (all in New Jersey: Robbinsville, East Windsor and Hamilton). This is the reason I recently advised my daughter to open her first checking account at Wells Fargo, an institution only slightly less incompetent than the current iteration of TD Bank.

TD Bank still touts itself as America’s Most Convenient Bank, which is laughable on its face, especially given today’s experience. I hope someone in authority sees this so they can demand that the branch ensure its equipment is operational and reliable, maintain reasonable staffing levels, and demonstrate more courtesy, respect, and empathy to their customers. I don't see any company replies to the other negative reviews on this site, so I don't have high hopes in that regard, unfortunately.

This is absolutely the WORST financial institution I have ever dealt with. I had a perfect 850 fico score because of my focus on paying everything on time. They didn't impact my score, but did charge me "late fees" for many months where my auto pay showed up a day or two early. One of my electronic payments they "lost." My credit union showed me a confirmation number for the transaction getting to them, but they claimed they never got it. I have submitted complaints with TD and regulatory agencies. TD should be sued out of existence or shut down by the feds.

I cannot believe how many times for no reason I get locked out. When trying to reset password it wont allow me to do so. When I call bank to reset they claim I did not give my right name. I have to go into a branch and show photo ID in order to reset. I have other accounts with other banks and have no issues. This is very inconvenient to go in to branch everytime they lock me out.

DO NOT work with this bank. They are deceitful, manipulating and steal money. They are a fee driven bank and will do anything to make you pay more fees, including manipulating your information to make you owe them more. DO NOT trust this bank.

tried to transfer money. Got blocked. Had to call to identify myself. was told that the finance company that they went through had blocked me. No recourse. No explanantion. No solutions. Just 'get lost' basically. Can't even close the account as there's no obvious alternative to move out the balance. This is more insane than simply, bad.

I have my mortgage with TD Bank. They had been very good, until we changed homeowners insurance. The switch was to occur on 7/6. The old insurance company sent a cancelation notice that was dated 6/27 but explained that the "Cancel Effective Date: 07/06/2023".

On 7/14, we got a letter from TD Bank stating that since my insurance was cancelled they were going to buy their own insurance. I called and spoke with a gentleman that said they have the cancelation date of 6/27 and the new insurance starting on 7/6. I needed to show that the old insurance covered us between 6/27 and 7/6, otherwise they would purchase insurance to cover that time period. Since I did not have the cancelation notice I told him I would get it from my agent. He said to email it to the address on the letter.

My agent emailed me the letter that afternoon and I sent it to the address, on 7/14. It is now 8/11 and we got a second and final notice about the insurance. I spoke with a woman about this issue. I told her we sent this on 7/14. She asked about the address. Apparently the address on the letter was not the correct address and went to some back office accounting that did nothing with it. I forwarded it to her and she assured me that she will take care of it.

First you should read the mail you get before alarming your customers. Next make sure when you request a response, the email address you give will be looked at and action taken.