TD Bank Customer Service Issues

As a contractor, in [redacted], I cashed a client's check, and after I paid my subcontractors and vendors, it was unexpectedly reversed a week later, leading to a dispute with TD Bank. Despite settling the issue on April 5, [redacted], I was recently denied a new account at another bank due to "account abuse" related to this incident. I believe the bank should have pursued the check writer for fraud instead of penalizing me. I am seeking immediate assistance to resolve this matter as it is currently hindering my work. I am frustrated by the lack of clarity from customer service representatives. I hope for a prompt and effective resolution to this issue. Thank you. - J. Annunziata

Ally Bank had an agreement with TD Bank for issuing credit cards, but the partnership ended. Ally's credit card was canceled, and TD reissued a TD credit card. I activated the new card over the phone. However, I have been struggling to sign up for TD's online credit card services. After entering my card number and personal information, following the guidelines to create a username and password, when I press , nothing happens. There is no sign that it is progressing to the next page. I have attempted to use various browsers such as Safari, Chrome, and Firefox, but I encounter the same issue each time.

I have a Minimum Chequing account, but the fee is no longer waived with a $[redacted] minimum balance. On April 5, I opened an Everyday Chequing account with a Senior's Rebate online to benefit from more withdrawals and have the fee rebated with a $[redacted] daily balance. Now I have both accounts and wish to keep only the Everyday Chequing for seniors. I need assurance that my automatic deposits and withdrawals will transfer to the new account. I am having difficulty reaching customer service due to closures and staffing limitations.

Our company, Consolidated Gypsum, typically receives payment documents from customers who use TD via email showing the account and amount of the payment. Unfortunately, we haven't received these documents since March 30th, and we urgently need them to reconcile payments with customers. Our mailbox ID is ABP9Q4YS and the unique ID is ABP9Q4YS[redacted][redacted]. Kindly send the missing forms from that day onwards to [redacted] Thank you.

I need to update my personal information for my checking account. I'm having trouble logging in because I forgot my password after not using the account for a while. Additionally, I need to request a new debit card as I lost mine. I would greatly appreciate it if this matter could be resolved as soon as possible. I have been on hold for an hour trying to reach a customer service representative for assistance, which is incredibly frustrating.

Dear TD Bank, I believe that amidst the challenges of the [redacted] Covid Pandemic, it would greatly benefit the public if you consider reducing the high interest rates on credit cards. As a loyal customer of 36 years, I have witnessed CEOs consistently increasing their salaries and bank charges without offering much-needed assistance to customers. Your marketing campaigns highlight community involvement and green initiatives, but the actions affecting customers speak differently. Despite enjoying the personal service and professionalism of the tellers in Ontario and Quebec branches, I am disappointed by the corporate decisions that seem to disregard customer well-being. My late father, a respected lawyer, always advised caution with doctors and bankers, yet he trusted TD Bank. Please understand the impact of your choices on loyal customers like me and provide a response from upper management to address these concerns. Sincerely, Erin Dunn

I need urgent help with resolving unjust overdraft fees. I've been trying to contact your customer service for a month, but the long hold times (over 2 hours) have forced me to hang up . The issue arose due to PayPal, Venmo, and Amazon charging my TD card instead of the other cards I had designated, leading to unnecessary overdrafts. This situation has resulted in me avoiding my TD account due to frequent overdraft problems. Previously, TD has charged me thousands of dollars in overdraft fees, which occurred when charges I made earlier conveniently posted when my balance was low. The constant need to address these fees is tiring, especially during these challenging times. Retrieving the $[redacted] taken from me by TD is crucial as I cannot afford additional fees. I request immediate attention to prevent further financial strain. Thank you, Léah

My account was locked, and I spoke to Kiana over the phone. Despite providing the required information, she claimed I had two accounts, which is not true. When I called again hoping to speak with someone else, I ended up with Kiana once more, who seemed distracted and possibly even half asleep. She requested my personal details along with my last deposit amount and its source, which was unusual. This lack of professionalism from a reputable bank like TD was disappointing. Sadly, I didn't receive a resolution and felt that Kiana either needs additional training or a replacement. This experience was truly embarrassing, and I hope to receive assistance soon to resume online banking. Thank you.

Hello, I am writing to address a recent letter we received notifying us of the cancellation of our car insurance due to what was described as *ineligible business use. When speaking with Bianca initially, we inquired about coverage for my partner's online hobby shop, which involves pick-up orders. Additionally, we asked about placing a logo on the car and if it would require different insurance. We were awaiting her response on this matter. Recently, I encountered a very unpleasant experience with a staff member regarding our insurance, who offered no satisfactory answers. It's important to note that the car's use was solely for picking up supplies and making deliveries for the small online business. We are disappointed to receive the cancellation notice instead of a resolution to our queries. We were initially attracted to TD Insurance for its friendly service but recent events have left us reconsidering our future dealings with the company. Best regards, A dissatisfied client Z.W.

I have identified unauthorized charges on my account on April 15 for $39.95 and on April 17 for $58.85. Even though I have $[redacted].00 in overdraft protection, I am puzzled as to why these charges went through. I am in the process of disputing them, and I am looking for a way to attach a unique code to my card for future purchases to prevent this issue. If there is no solution, I might have to cancel the card. I assure you that my card was always in my possession. I have been unsuccessful in reaching your 1-[redacted] number even after waiting for over 20 minutes.

I tried to open a new checking account with TD online and over the phone but was unsuccessful. They couldn't verify my identity. The customer service representative on the phone, after waiting for [redacted] minutes, suggested going to a local branch to open an account. Despite being nice and trying to help, she couldn't provide a solution when I mentioned that some branches said I could only apply online. She advised checking with the local branch again. I will attempt this next.

During these challenging times, I am frustrated by the long wait times when dealing with my financial matters. Waiting on hold for over 40 minutes is unacceptable. It would be beneficial if executives could think creatively and introduce live chat support for banking needs. This lack of accessibility impacts customer loyalty, especially when financial concerns are involved. TD Bank needs to improve its customer service to retain clients, like myself, who may consider withdrawing all funds post-pandemic. Implementing online chat support would be a simple yet effective solution. The prolonged wait times and inadequate drive-through services demonstrate a disregard for customer well-being. It is disappointing that opting for online banking is presented as the only option, as some clients like myself prefer not to share sensitive information electronically. TD Bank must reconsider their approach to customer service to address these concerns. Signed, Paula Jensen from Bayonne, NJ.

Dear TD Bank, I wanted to let you know that I recently opened a Beyond Checking account and a Growth Money Market account. I have been having trouble accessing my online banking. I have tried to reset my username and password multiple times with no success. My Beyond Checking account number is [redacted], with the routing number [redacted]. My username is terryhadden469 and my password is ca6m1969. Please address the issue with my online banking access. I reside in South New Jersey at [redacted] Marshal Ave Apt [redacted], Ventnor City, NJ. I have faced difficulties accessing both accounts, and despite spending hours trying to reach customer service, I have had no luck. I prefer to deal with the Northfield, NJ branch. You can contact me at [redacted]. I would appreciate assistance with a temporary password. Thank you, Terry.

My account with TD Bank in Ocala, FL, is currently locked. Unfortunately, the bank is not assisting with requests for new debit cards or disputes at this time. The information on my card has become illegible due to worn-out paint, leading me to mistakenly enter the wrong CVC code and resulting in the closure of my account. Living in a rural area, the nearest bank is 60 miles away, making it challenging for me to resolve this issue promptly. I urgently need access to my account to obtain funds for essential expenses like food. Once my direct deposit from SSDI is established, I will address any fraudulent charges accordingly. I appreciate your assistance in unlocking my account and reissuing a new debit card. Thank you for your support during this difficult time. I can be reached at [redacted]. Warm regards, Monica Agrippa.

I live in Sarnia, Ontario. We used to have three banks, but now we are down to just one. Today, I waited in line outside the bank for 30 minutes. Meanwhile, at your competitor's banks, there are more branches with no lines. I tried to renew my license sticker online but received an error message stating I don't have access for this card. After calling TD, the automated message indicated a 2-minute wait. However, after waiting for over an hour with no response after entering my card number, I am frustrated. I am considering closing my accounts with TD, including my mutual fund investments. The service at TD has declined significantly, even before the current pandemic. As a long-time customer, I have noticed a rapid change in the quality of service provided by TD.

I have been trying to unlock my accounts. On Monday, I was on hold for over an hour, and on Tuesday, it took me two hours to get assistance. I was supposed to receive notification of two small deposits to open a brokerage account with Schwab, but I never received them. The representative I spoke with mentioned not seeing an attempt to send the deposits. I am unable to transfer funds or pay bills due to my account being locked by TD Bank. When entering the verification code sent to my cell phone, two codes arrived simultaneously, none of which worked, resulting in my account being locked. Since branch lobbies are closed, I'm unsure how to proceed next without spending hours on hold daily. Please reach out to me promptly upon receiving this message. - Evelyn M. Stier

I have been facing difficulties unlocking my accounts. On Monday, I waited on hold for over an hour. Tuesday, it took me two hours to finally get assistance. I was supposed to receive notification of two small deposits from Schwab to open a brokerage account, but I never got it. The representative informed me that no attempt was made to send the deposits. I feel stuck as I can't transfer funds or pay bills due to this issue. When trying to enter the verification code sent to my phone, two codes arrived simultaneously, and neither worked, resulting in my account being locked. I attempted to visit a branch, but they all appear to be closed. It's challenging to dedicate two to three hours daily on hold. Please reach out to me at your earliest convenience after reading this email. Evelyn M.

I have been trying to get my accounts unlocked. I was on hold on Monday for over an hour and spent two hours on Tuesday before getting help. I was supposed to receive notification of two small deposits to open a brokerage account with Schwab, but never received them. The representative said she didn't see attempts to send the deposits. I feel held hostage by TD Bank as I can't transfer funds or pay bills. When I entered the verification code, two codes were sent, but neither worked, locking my account. Branch lobbies are closed, so I'm unsure what to do next. Spending hours on hold daily isn't feasible. Please unlock my accounts promptly. Thank you.

Good afternoon, TD Bank representatives. My name is D.D. Yanez, and I opened my account on 06/03/[redacted]. I am reaching out to address an issue. On the 19th of this month, I attempted to transfer $[redacted] via Zelle. Following this, when I tried to make another transfer, I received an email instructing me to contact you by phone. Upon calling, I was informed that my account was closed due to frequent transfers. I value being a client of TD Bank and request to have my account reinstated. I understand the concern regarding Zelle transfers and assure you I will only conduct transfers directly through the bank moving forward. Please consider reopening my account as I have had positive experiences with TD Bank's services. I am hopeful we can resolve this matter promptly. My account number is [redacted].

I faced significant difficulty reaching customer service and got caught in an automated loop. This lack of personal assistance is disappointing and hinders issue resolution. Today, I had a negative encounter at the Royal Palm Beach, FL branch. Consequently, I regret that I can no longer recommend your services to friends and family. During my recent visit to the drive-thru, the first teller displayed rudeness and arrogance towards me as a customer. Their lack of understanding regarding my transactions - paying a bill, checking another, and depositing checks - was unacceptable. Moreover, enforcing strict closing times at your branches seems to be a common practice. Despite waiting for over 5 minutes, I witnessed a customer turned away barely a minute after closing time, which was frustrating. On a previous visit to access my lockbox, the teller (later revealed to be a manager) repeatedly suggested I come in earlier, only for me to be rushed out when closing time arrived. The declining customer service standards at your establishment have left me surprised and disappointed.