TD Bank, Review

TD Bank Overdraft fees and customer service
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by Mal1, Aug. 18, 2012

I have never  put a post on this site before, Yet, TD Bank motivates me to doing so…My story is long and  parts of it I still do not understand stand due to customer service  being (rude, condescending, confused or frankly not knowing what they are doing) .. TD Bank makes their money off overdraft fees, look it up in Google, type up complaints with TD Bank.. When you sign up for them, really question their over draft plan… Also, even if you have direct deposit, your check is on hold in pending up to 48 hours. Do not even get me started in their way of  pending  services(check, automatic withdrawal) .Also, I went to Tewksbury Mass branch, I ask the teller, I have a 150.00 in bank, I need to get 185.00 money order and I have 700.00  check from my job.. Is there a way we can cash it and I can use 35.00.. Lady said “yes” and stated that cashed all funds will be available.. I said great, but I asked, it takes up to 24 hours for check to cover, doesn’t it? She stated “nope”... So I did that... Well, assuming I had all that money, I used my debit card... Huge mistake, over draft Bank fee, after over draft fee... Hours on phone explaining what happen, and costing me over 300.00I can say I will never go to this bank again... I am closing my account and going somewhere else... Please do me a favor whoever reads this, just Google TD Banks complaints, read up on it... Even if you do not believe me, just look into these people... I also had other issues about their fees, but the most common complaint is their overdraft fees and pending payments..

* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 3 - 5 banks before.
* this review was made on TD Bank, Tewksbury Branch at Tewksbury, MA
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TD Bank
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by Gretta, Aug. 09, 2012

I started with Commerce Bank for a mortgage and accounts.  They were great then TD Bank came along.  Since rates have gone down I applied for a lower rate and was told I did not qualify to borrow that amount of money???? I have had my mortgage for six years.  When I called them and said I already was given the money for my home all I wanted to do was refinance so I could get a lower rate which would lower my payments.  Since I have direct withdraw for my mortgage a payment has never been missed or late.  I was told well we can't refinance your home.  I had already closed my checking and savings when they started to charge me to get my own money out of my accounts. I now have my home up for sale and can't wait to sell my home and pay them off.  I will never do business with them again.  

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on TD Bank, Thorndale Branch at Downingtown, PA
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Worst customer serive
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by Boncuk, Aug. 08, 2012

Worst customer service I have ever seen in my life. I could not even believe that TD Bank could hire these people who has no idea how to talk to customers. She was not only rude but also mean at the same time being sarcastic. She was yelling and screaming behind me while I was leaving which I only heard aloha not the rest but I dont think I will ever have any kind of business with TD Bank anymore. There are millions of educated nice people around looking for a job and these nasty people have jobs working at the banks, unbeleivable. By the way her name ise Yolanda if you happen to go to that branch, I would not deal with her.

* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 1 - 2 banks before.
* this review was made on TD Bank, Lodi Branch at Lodi, NJ
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worst service ever again and again
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by meghanmaybach, Aug. 08, 2012

Never in my life have I been so appalled by customer service/the attendants anywhere. I have been going to TD bank for my entire life, since it was Commerce and I have never been so disgusted by how rude workers can be. I cringe when I have to step foot in the TD bank in West Long Branch due to the workers. I have had many incidences where the workers have just been straight up rude towards my family and I but I have overlooked these incidences because my father was friendly with all the workers and I figured they were just frustrated sometimes possibly due to a hard customer. This morning I had gone into TD bank in West Long Branch to use the change machine and cash a check. I understand that the penny arcade is absolutely the worst thing the workers have to deal with in their workday, however this is a job they chose to do and problems occurring with this machine are rarely the customer’s fault. I had put my money in separate bags divided by pennies, nickels, dimes, and quarters (I had put a half dollar in there too because the machine has taken them before), and made sure nothing else was in my bags. When I put my change through the machine, it told me there had been a problem so I asked for help from one of the staff members. She could not originally see what the problem had been so she asked over another member of the staff. This associate had realized there had been a rock stuck in the machine. I know the rock wasn’t mine due to 1. I had just organized and shifted through my change twice and 2.  The machine broke before even a penny of my money could be counted; however the workers blamed me for the rock. Trying to get over the fact they were blaming me for a rock I told them I was sure it wasn’t mine, I had cleared my change. The workers replied with “that’s what they all say, you obviously didn’t do a good job.” I kept my mouth shut to her comment and waited as a third worker came to try and get the rock out. One worker got a cut on their hand and another said her hands hurt after trying to take off the turn the machine and they blamed me once again for ‘getting hurt’. I still didn’t say anything. They finally got the rock out and the one attendant said to me “you obviously didn’t a bad job, it looks dusty in the change machine” and picked out my half dollar coin. What she was implying is that I was obviously the one who had the rock in there. She didn’t stop there though; she turned back and said “great now she broke the machine with her rock.”  Although this rock was 100% not mine, but if it were, either way, I never want to hear a worker blame a customer due to a machine error or for any error in that matter of fact. I offered to help and I offered to pick my change out of the top since it had never gone through (since the rock was there before my change could even get to that part of the machine). I am so appalled by the way the two female workers acted towards me and especially the ones commentary. They should NEVER be allowed to work in a customer service area with attitudes like theirs. I cancelled my account with TD today because I honestly am so angry at how I was treated.

* this reviewer has be with this bank for >10 years
* this reviewer had 1 - 2 banks before.
* this review was made on TD Bank, West Long Branch at West Long Branch, NJ
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Wow...if you don't mind waiting...and waiting...
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by Trop1, Jul. 30, 2012

I was told that I had to go IN PERSON to change my address on file when we moved. Once there, I had to sit and wait 15 minutes for a rep to bring me into her office and then it took an ADDITIONAL 45 minutes to change my address in the system! (There is something called "the internet" that might have made this endeavor much easier - why they don't offer customers a way to change their address on TD Bank's website is beyond me, even by phone would have been great - I also have a St. Mary's Bank account and it took 1 minute by phone to change my address!)
Also, they are highly understaffed, especially at lunch time. I have had to wait from 3 to 10 minutes for someone to even acknowledge I am at the drive-up window which is a long time to wait wondering if they even know I'm there. There are times I will wait, then someone else drives up (and also waits) and the other person is assisted first as I continue to wait.
I've had my TD Bank account for over 30 years and was also told with the new fees that were implemented a few years ago, that I would be exempt because my account would be "grandfathered" in with no fees, however they lied. I am charged monthly maintenance fees. I'm pretty much done with the inattentiveness of this bank on Rte 101 in Bedford and will be transferring all my funds to St. Mary's Bank (who, by the way, don't charge fees).

* this reviewer has be with this bank for >10 years
* this review was made on TD Bank, Bedford Branch at Bedford, NH
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WORST EMPLOYEES EVER
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by TIMEFORACHANGE, Jul. 16, 2012

Not only do I have a personal account with TD Bank but so does my employer. I do all the deposits for my job so I am always at the TD Bank branch 32nd and Park Avenue for one reason or another. THE WORST!!! Not only are the tellers rude to the customers, but they could not care less about the customers they are dealing with. They sit and chat amongst each other laughing and paying the customers absolutely no mind at all. When I go to make deposits most times they make me feel as if I being a bother to them for having to do their job. There have even been times when the tellers will argue amongst each other over who is going to do my deposits! This location is the worst I swear to god. Almost every teller needs to be replaced and or retrained. I am seriously considering switching banks.   

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
* this review was made on TD Bank, 32nd And Park Branch at New York, NY
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TDBANK DON'T PROTECT YOUR IDENTITY..!!!
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by WorriedCustomer, Jul. 11, 2012

I just want to share my bad experience and the nightmare that TDBANK is giving to me...!!!...I got a call from TDBank Fraud Department telling me that one of TDBank’s Employees gave out my personal information (Name, Address, Social Security Number and Account Number ) without my consent to an unauthorized party...The Customer Service Representative at Fraud Department ( Named Ms. Stacy) whom I spoke with, told me that this happened “mistakenly or in purposely ”
I am very concerned about this situation and, I cannot believe that such Financial Institution can have such inexperience employees working and handling such sensitive information. Ms. Stacy tried to calm me down telling me that this “It Might Happened” and that this situation is under investigation, but it was too late because at the beginning of our conversation she clearly said, “That it happened”.

I am in state of shock to know that my personal information is out there in some criminal’s hand, and this is issue is causing such state of  Intranquility and anxiety to me.  I can not believe that this institution doesn’t has the proper security systems and resources to protects the identity of their customers and, I am demanding to have more information about this issue in what happened and how this happened.

Obviously TDBank don't know how to handle your personal information..How is possible this kind of leak!!!..This issue is creating such of state of anxiety and paranoid to my persona and I've been calling and sending letters to get a response in How this Happened and When...and all that they tell me that is "under investigation"...This is Scary!!!


* this reviewer has be with this bank for 6 months - 1 year
* this reviewer had 1 - 2 banks before.
* this review was made on TD Bank, 125th Street/Harlem Branch at New York, NY
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Lousy
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by mymoneyinmymatress, Jul. 06, 2012

Absolutely dreadful, went to withdraw some money, An oh so attentive teller, with the best of professionalism assisted me. Of course the system was slow, I found that out after asking her if there was a problem with my account. She was slumped in her seat, may have been tired given she looked pregnant. Asked me for my bankcard, which has never been the case with past checking withdrawals. Then of course the other tellers may have circumvented the rules or are not familiar with the rules. Seems like every TD Bank employee in the place regardless of the time of day, look annoyed, frustrated and ready to quit upon lunch break. Thank you is nonexistent. Why work if you feel so lousy? There are plenty of taxpayer dollars wasted on folks that refuse to work, TD Bank management you may want to add these useless folks to the dole.

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on TD Bank, 43rd & 6th Branch at New York, NY
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Incompetent
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by debdebster, Jul. 01, 2012

I deposited cash on Thursday night and its Sunday and still nothing available.  Im fairly certain they should have had the cash avalable on Friday when they processed the ATM.  In my short two weeks at TD They have charged me 4 (four!) 35 dollar fees for a crazy reconciling system.  I have had accounts for 39 years in many different banks and have never seen a bank like this.  This is "America's most incompetent bank"  I would love to give no stars but this is not an option.

* this reviewer has be with this bank for <6 months
* this reviewer had >10 banks before.
* this review was made on TD Bank, Upper Gwynedd Branch at North Wales, PA
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World's Most Convenient? For whom?
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by notacustomeranymore, Jun. 18, 2012

They are all about your banking business until after you open the account.

I'm going back to smaller, local banks.  HORRIBLE experience.

* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 3 - 5 banks before.
* this review was made on TD Bank, Haywood Road Branch at Greenville, SC
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TD Bank Ossining's Employees are Horrible and Mean
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by TypicalBanker, Jun. 18, 2012

Worst banking experience in my life, had an account for over a year and had a problem every time I stepped foot in that place. They aren't able to handle even simple things like depositing checks. The one plus was you don't have to wait online. It is always empty, probably because customers know better than to go to this branch. It feels like their goal is to frustrate you instead of helping you. They have caused me to change my bank altogether, and I'm much happier for it. If you must use TD, or you do not want to change banks like I did, just please for your own sake do not use this branch with these people. They are just mean-spirited and cold.

* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 1 - 2 banks before.
* this review was made on TD Bank, Ossining Branch at Ossining, NY
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Bank of America is better....and that is not saying much...
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by sweetzNsabby, Jun. 11, 2012

I opened up an account with TD last month after not being with a bank for a while. I get paid through direct deposit and my husband get checks from his employer. The direct deposit went through with no problems, funds available the moment it was deposited. My husband's check was another story.

We went in on a Saturday. I asked the very sweet lady at the desk how long will it take for this to clear as we have bills that need to be paid with this check. She assured me no later than Monday. Both my husband and I asked again while we were talking and made it clear that if it wasn't going to be available, we will cash the check at a check cashing place. We were assured funds would be available on Monday.

Monday came, no funds. Called local branch, got the run around. Called Tuesday, was told it would take 7 business days to clear bc of new account.  I said ok, then WHY were we told otherwise...he had no answer. He did say funds will be available that Friday. Thursday checked online statement "Funds available in 2 business days". Ok, cool. So it won't be Friday but Monday I should be able to access the funds...WRONG!

It is now Monday and online statement STILL says 2 business days. WHAT?! Called bank AGAIN. They were confused bc funds should of been available on Friday like I was told. I was told I would get a call back in an hour bc he was going to call the "back office". Hour passes, no call. I call, He is busy, call back in about an hour. Called back in an hour...He is at lunch (at 2:40??). 4:00 called back...finally get him. Only to be told that he messaged (not called like he said he would) this "back office" and they said funds will be available Tuesday end of business if not Wednesday morning after 6AM. RIDICULOUS!!!

My husband is getting his next paycheck 2 days after this money (hopefully)clears...and he gets paid BI-WEEKLY! Funny thing is...it wasn't a large amount...it was a $385 check...We are cashing his next check at a check cashing place...bc lord only knows how long they will hold the next check.

* this reviewer has be with this bank for <6 months
* this reviewer had 1 - 2 banks before.
* this review was made on TD Bank, Kissimmee Branch at Kissimmee, FL
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TdBank is a thieve
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by Krystina, Jun. 01, 2012

They are going to steel your money..

* this reviewer has be with this bank for 6 months - 1 year
* this reviewer had 1 - 2 banks before.
* this review was made on TD Bank, 101 Highway Branch at Palatka, FL
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WATCH YOUR MONEY CAREFULLY AS THIS BANK TAKES INVALID FEES
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by bankvictim, May. 22, 2012

Opened an account at TD approx 2 years ago. Visited 3 times to make sure we deposited enough $ not to get fees and connected ck and sav. Come to find out we were charged every single month in both accounts. Called back office many times and  each time they said accts are linked and no fees should be charged. Furthermore they are charging high enough fees that we are loosing $. We can not recommend this bank and do feel they falsely advertise themselves. Also always a wait at bank and no one does job correctly. Head teller and manager worked on uour account and they each got it wrong meaning still collecting fees. WATCH YOUR $ CAREFULLY WITH THIS BANK! DON'T LET YOUR CHILDREN OPEN ACCTS HERE AS THEY WILL LOOSE $!

* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 3 - 5 banks before.
* this review was made on TD Bank, Lexington Branch at Lexington, MA
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LIARS AND THIEVES
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by JUSTICE, May. 22, 2012

Never again will I open a TD Bank Financial Group account. They tell you that you have overdraft protection and that if you transfer money within 24 hours into the account that you have over-drafted, that you will NOT be charged. What they really mean is that they will charge you $35 for every overdraft regardless of their so-called protection. And if your account is "new", you are not eligible for any refunds because it is too new, even if it has been opened for more than 6 months. And forget trying to spend your money that you put into your account; if your account is "new" you are not allowed to spend over a certain amount. Seems like you're holding MY money hostage and taking advantage of the customers that keep your bank in business.

* this reviewer has be with this bank for 6 months - 1 year
* this reviewer had 1 - 2 banks before.
* this review was made on TD Bank, Cranford/South Branch at Cranford, NJ
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garbage
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by fishinallthetime, May. 20, 2012

these people made a huge mistake with my check and left me broke for 4 days. they don't care. sometimes they will cash my check and sometimes they won't? they need to get the story straight

* this reviewer has be with this bank for 6 months - 1 year
* this reviewer had 1 - 2 banks before.
* this review was made on TD Bank, Port Salerno Branch at Port Salerno, FL
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Not So Convenient
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by inconvenienced, May. 19, 2012

I am a volunteer for a non profit org. and do the banking.  I always have several transactions and went into the Godwin branch on a Saturday morn. and was told I would have to come back at another time.  They were under staffed and did not want to deal with my transactions at that time.  So much for most convenient bank!  Only at their convenience!

* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 3 - 5 banks before.
* this review was made on TD Bank, Wyckoff On Godwin Avenue Branch at Wyckoff, NJ
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Sorry Customer Service
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by Thisbankisaweful, May. 15, 2012

Called to verify funds on an account as I have an out of state check drawn on this bank.  They would not do this!  Went to a local bank yesterday as I had another check that was NSF last week and the funds were there yesterday so the teller gave me a cashiers check in the place of the personal check.  Would not bank with TD ever!

* this reviewer has be with this bank for <6 months
* this reviewer had 1 - 2 banks before.
* this review was made on TD Bank, Coral Springs Fl Branch at Pompano Beach, FL
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TD Bank Steals from customers
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by toadboy65, Apr. 21, 2012

TD Bank Steals from customers

TD Bank has on several occasions signed me up for overdraft "protection" without my consent. They have told me that they have a right to do this, as well as to re-order debits so as to maximize fees. I am not alone in being a victim of their practice of charging overdraft fees on occasions when I was not overdrawn. In fact, No matter how careful you are about never over spending, you will fall into their trap of ever increasing fees and penalties. Avoid TD Bank at all costs.

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on TD Bank, Asheville Branch at Asheville, NC
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TD Bank Steals from customers
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by toadboy65, Apr. 21, 2012

TD Bank Weaverville has on several occasions signed me up for overdraft "protection" without my consent. They have told me that they have a right to do this, as well as to re-order debits so as to maximize fees. I am not alone in being a victim of their practice of charging overdraft fees on occasions when I was not overdrawn. In fact, No matter how careful you are about never over spending, you will fall into their trap of ever increasing fees and penalties. Avoid TD Bank at all costs.

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on TD Bank, Weaverville Branch at Weaverville, NC
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