TD Reviews 294

After experiencing difficulty accessing my credit card statements through the online portal, I visited my local TD Bank branch (Norwood, NJ) to request printed copies. I was greeted right away by the branch manager and then assisted by Eric Stugart (NMLS ID: 2022326), who was both kind and exceptionally helpful.

Eric was transparent in sharing that he is relatively new and still in training, which I appreciated. I reassured him that I was not in a rush, and he handled everything with professionalism and care. What stood out most was his genuine politeness and attention to detail—he even neatly organized and clipped my statements together to ensure a smooth and thoughtful experience.

Eric’s willingness to go the extra mile reflects a positive and customer-focused culture at TD Bank. As a newer team member, he truly exemplifies the kind of service that makes customers feel valued and keeps them coming back. Thank you, Eric, and best of luck as you continue your journey with TD Bank!

My TD Bank credit card was hacked. Someone fraudulently charged hotel rooms in Doha, Qatar to my card. TD Bank didn't catch the fraudulent charges. I did and reported the theft immediately. TD Bank investigated the charges and found that Im responsible. Even though I've never been out of the United States, I dont have a passport, and I was using my credit card in the US the same day that TD Bank says I was in Qatar. I've had my TD Bank account for almost 30 years and this is how I'm treated. What a joke. TD Bank is terrible

I've been with them since I was a teenager and in the last few years they've been nothing but a pain. DO NOT BE A CLIENT WITH THEM. Everything is just policy and procedure, transferring to different people who can't do a job, asking you 20 questions just to say they can't do something, and they even called me once for the wrong service because someone made an error on file. I'm a long time premium client and I'm done because all other cards and accounts I have is just better, faster, more efficient and don't block my cars just because I'm trying to donate $10 for a friend's charity for diabetes.

We cannot send a wire online, have sent in 12 requests via their portal, and it's never set up to go through so we have to go into the bank to do it, completely wasting our time, they are archaic!! We are switching to Chase, TD bank sucks!

Back when TD was Commerce Bank it was great...NO MORE!!!

TD Bank has hands‑down delivered the most chaotic, misleading, and flat‑out incompetent customer service experience I’ve ever had with any financial institution. I called about a simple $14 fees and somehow ended up getting three different answers from three different reps, none of which matched or made any sense.
Rep #1 told me the fee was non‑negotiable because the account requirements changed, and now I would need to keep $250 daily to avoid fees.
Rep #2 told me something completely different that opening a savings account and linking it would magically fix the problem.
Rep #3 told me neither of those were true nor that because I receive two direct deposits over $5,000 biweekly, I should never have been charged fees to begin with.
How can one bank customer service have representatives reading three different scripts for the same issue? It’s unbelievable. No consistency. No accuracy. No accountability. Every call felt like talking to a robot with zero empathy or real understanding, exactly the opposite of the “human” experience TD Bank loves to advertise.
This was the final straw. If a bank can’t even explain its own fees correctly, how can anyone trust it with their money?
I closed all my 2 business accounts, checking and working to transfer my HELOC $400K and moved to a smaller community bank where I’m treated like a person, not an inconvenience. TD Bank needs serious Customer service training, and people understand finance, serious oversight, and honestly, a complete overhaul of the way they communicate with customers. If you value!!!

I have an excellent customer service experience with Mr. Louw. One day I walk into a Portland Maine Brunch (449 Forest Ave) and Mr. Louw, Renaldo saw me and offer to assist me. He is very polite, sharp, smart and able to address my needs in a very professional matter. I am very please with his service which it do not came in often now a day. Therefore, I want to give Mr. Louw a honor review so his boss will recognize his excellent customer service. Thank you !!!

Traveling, made sure before left country, debit card was up to date by going into branch. All was good, two weeks into vacation credit card stoped working, they apparently can't authenticate over the phone even though gave them codes back and answered every question. Said had to go into a branch when back in Canada, will not be back for a month. Now this is the only credit card with me, and now no access to funds. Communism and gross incompetence at its finest. Will take out our seven figures from all accounts when back and try and find an actual bank that has some form of customer care and a tad of empathy. Never ever use this organization. From the 87 percent one star reviews it should be obvious as to why.

I've been on hold for hours and can't get through to access my own money.

I was charged for maintenance fee 2nd month since opened even their call representative told me that I won´t be charged next month even my balance was a few days below $2500. After I was charged again for maintenance fee call department with supervisor declined to pay me back maintenance fee even I told them that it´s the last time and I send more money on my account to keep my daily balance always more than $2500 in case of another fee charge. Very bad experience with this bank and I don´t recommend this bank for banking.

1. to get a CODE, site says CALL or TEXT. My # is a LAND LINE. I choose CALL. It never happened.
2. Tried the (888)751-9000. WAIT OVER 5", Finally person + STATIC + heavy southern accent = difficult call!!! Told her I need to get a PHONE CALL not a text.
3. Was told: Despite "CALL ME" being a choice on the site, TD Bank ONLY texts! It is the AUTOMATIC DEFAULT.
3. I Asked to change my number. I Must do it on line.
4. CATCH 22: (1) GET RID OF THE "CALL OR TEXT" MESSAGE. IT IS A LIE!!! I HAVE TO GET INTO MY ACCOUNT IN ORDER TO MAKE CHANGES. I CAN'T GET INTO MY ACCOUNT WITHOUT A CODE. I CAN ONLY GET A CODE BY TEXT. MY TEXT NUMBER IS NOT LISTED ON THE SITE. REPEAT!!!!
5. I really do not like TD bank.

Called their credit line, HORRIBLE customer service.. super rude staff very spiteful, not useful at all , one of the worst experience of talking to an agent. Like I was asking them for a PERSONAL favor or something. They need better scrips of how to speak with customers. So I ended up receiving no service and no help, they just put me back on a automated system. HORRIBLE

I lost my debit card a week ago yesterday, and am currently waiting for it to come in the mail. One of the reasons why I bank with TD Bank is because they would issue a card immediately. Yesterday I went to get a prescription and I didn’t have any cash so I couldn’t get my prescription because I haven’t received my card yet. I also wanted to get some groceries, but then again I haven’t gotten my card yet. Today, my television services are shut down because my automatic payment didn’t go through. I was not issued a temporary card and was told OK you’ll get it in the mail in about a week. I have been banking with TD Bank for over 30 years and I can’t tell you how disappointed I am in them. I have been hung out to dry until I get my new card with the all important CVV number on the back I will be looking for another bank. This is the first time that I’ve been disappointed in them. This is too much.

TD Transfer department was completely unable to complete a transaction given SIX MONTHS time and two rounds of doing all the paperwork. Nothing but the runaround and excuses. I had to have a local branch do the paperwork for the THIRD time, and hand deliver it to the other bank. The people on the phone had the gall to suggest I didn't do enough to see it through. They accepted NO RESPONSIBILITY. Please note, I am not a lower tier customer, there's no excuse for this given my deposits.

If I don't get a heart attack from my experience with trying to get a home construction loan from this company then I will consider myself lucky. Like many other reviews have said about them, they are a nightmare to work with. My loan has taken almost 6 months to get approval. They constantly want you to send them monthly copies of your credit card bills. They'll lead you on by telling you that you are almost done then they ask for the same things over and over again. I was also never told that I had to use my own money first for the construction of my house because it was a partial loan, but I found that out at the very end even though I had told them over and over again that I planned on using the loan money first. By the time you realize it's not worth it you've invested too much time and money to back out. They will act as nice as possible to you over the phone or through emails but what counts is what you are actually getting. If you can bank or get a loan from someone else I highly recommend doing that.

If 0* were an option it would be zero. Most of their people (especially on the phone) can't answer even basic policy and logic questions let alone anything more. There was one good worker at the Aspen branch but she was like winning the lottery after 40 years getting fake tickets.

Made a $1,300 payment on my TD Bank credit card from my Bank of America checking account. They decided to put a 1 week hold on that payment. In the process, several of my other payments were declined. When I called them, they put me on hold 3 times only to tell me they can't release the hold until after a week. They told me that if the payment comes from another bank, it will put a hold on the payment. I made a dozen payments since getting the card in December and this is the first time they put a hold right at the time where I had a huge plumbing bill to pay from frozen/burst pipes!

terrible loan officers. will take you months for approval and they lost or misplace docs. customer service is terrible. do yourself a favor and dont even start the process. they really don't want to be in the heloc business.

I have been a TD CASH VISA CARD holder since 2017. Always paid my statements on time in full.Due to some computer glitch I failed to receive the 11/25 and 12/25 e-statements. I was out of the country at the time. Received a form letter on 12/29/25. When contacted the Bank blamed ME for the absence of the two monthly statements. I Paid off the entire amount instantly. The Bank DID then credit the late fee back. I also cashed my reward points. Ten days later I received another statement with more "late payment" fees. When contacted the Supervisor refused to explain the rationale or cancel the egregious charge.
After 45 minute back and forth I canceled my card. TD CASH VISA ended a 10 year relationship with a A++ client for the sake of $3.99.
ADVICE : Don't carry this Bank's Credit Card

DO NOT OPEN CD'S THRU TD Bank. They actually make you have to go into the branch to transfer the CD's to your checking or savings account. No problem opening the cd online. No need to speak to anyone, but VERY hard time to get your money back. They have you speak to numerous people to try to talk you into opening a wealth account, stocks, bonds, etc. They said that is the bank's process. Spoke to upper management and said the same thing. DO NOT BOTHER WITH TD BANK. You have been warned.