TD Reviews 

TRUSTPILOT REVIEW (ONE STAR) ON TD ETHICS POSTED MAY 2026

After years and now months going through the TD Senior Customer Complaints Office trying to rectify a situation with my line of credit and now paying over 13% interest rate for it at TD Bank, I think the public needs to know how badly TD behaves.

This all goes back about 19 years ago when I walked into a TD bank in Toronto looking for an overdraft and ended up walking out with a line of credit . The interest rate I signed on for was not the one I thought I received and I did flag it but nothing was done. In retrospect, I should not have even signed for it as it was too much for my needs but TD had an upselling campaign and I was a victim. All very confusing.

I went through the Ombudsman’s office at TD a few times, Senior Management in lending and offers were made to assist that I could not understand or did not assist. This is what I have learned about this dismal experience and what I can pass on:
This is a disturbing example of how TD Bank Group treats their clients. Nobody is at home here. It is evident from the almost 3,000 complaints on Trustpilot and online that my experiences with the bank are not uncommon – rude customer service, lack of due diligence on complaints regarding bank and investor accounts as well as an inadequate complaint system which appears to exist solely to hide ethical breaches.
As I said to them, this is not a matter for an external government body such as OBSI but needs to be settled in-house. The point of a board of directors is to ‘provide oversight of frameworks and polices with respect to ethical personal, business and market conduct’.
So I wrote to the Chair of the Board of Directors John B Macintyre after starting off with TD Customer Complaints Office where I thought to copy the Senior Executive Vice President and Chief Human Resource Officer, The VP and Head of the Senior Customer Complaints Office and the Group Fraud Management Vice President, Business Management at TD Bank Group outlining the issues and asking for clarification on information I later found that was either hidden from me in the investigation or simply lost. Correspondence included attachments of scanned documents and emails over the years.
Towards the end of this tortuous journey, I contacted Senior Media Relations Staff and the Head of Investor Relations at TD Bank as this is also an issue about shareholder value and corporate governance hoping they would forward to someone who could respond to my very concerning queries.
This experience was mind numbing even though I also CC’d senior management at the time I was dealing with TD Senior Customer Complaints Office. That final verdict was that SCCO would not change the line of credit interest rate which is 13.44%! I had found new information shortly after in letters from Senior Management going back 9 years ago. I resubmitted asking for a new investigation and did not hear a thing.. I will send this post to emails of senior management at TD Bank including John B. MacIntyre. What could they have done? In the spirit of customer service, say that there are indeed issues and lower the rate. POSTED AN UPDATED REVIEW IN JULY 2026

I went to the drive-up, waited literally 20 min in line, when the teller came to the window i wanted to withdraw from my debit card didnt have my phone to type in pin told me I had to come in, after waiting 20 min. This isnt the first time dealing with this bank, I am so discussted with their custome service and their rude tellers, I will be going to another bank.

Shut down my account for absolutely no reason. Got a letter that says they are doing it because they could. Shows what type of customer service this place has.

I opened an account with TD BANK back in 2000 or 2001. I have been receiving letters with my balance for years, all the way up to now . Ithought my account was fine. But when I went to withdraw some of my retirement money I was saving for year it's a problem. Suspicious fraud was reported, I never heard of that, with my account. I had to close that account and open a new account. Understandable. I showed my driver's license, Social security card, which I never heard of and letters from TD Bank saying that is my account. And Fraud Department STILL WILL NOT TRANSFER MY FUNDS INTO MY NEW ACCOUNT. I'M STILL HAVING TO WAIT 48 HOURS. I'm really debating should I get a lawyer involved. It's really ridiculous.

For this to be America's most convenient bank their customer service and support is the absolute worst. Anytime I've called customer service its been nothing but a hassle. I'm now regretting I opened a credit card with them. As of today, I've talked to a representative for less than 3 minutes but the entire call is at the 30 minute mark. It

I was a customer of TD for 19 years, home loan, car loan, line of equity when I first started doing business with them they made it easy, I got to know everyone in my hometown branch all I had to do was to call and things got done. After 19 years of giving them my business I sold my home, my lawyer who's been doing this for 50 years went to wire them the money to pay off the loan he wires the money and one of the numbers was not the right one TD rejects the wire says nothing to anyone about it no email nothing the money sits there and in the meantime the payment for the loan comes and goes I have a late payment on the account. We track down the money my lawyer calls TD fills out the wire per the instructions he received on the phone, meanwhile I'm in communication with TD telling them that we are trying to get them the money please do not give me yet another late payment my lawyer sends the wire, happens again with another late payment. Finally we get the money and had to find a TD bank because they've closed so many branches and he had to physically go there to pay off the loan. If someone who has been in the business for 50 years can't figure your system out there is a problem, he has never had issues anywhere else. The lack of communication no email no call is uncalled for. I was in communication the entire time pretty obvious we were attempting to pay it off and was told there's nothing we can do you need to fight it after the fact. l have a current complaint filed with BBB their response almost feels like AI with the technically you were late we got you on a technicality. I have had an 850 credit rating for 20 year never waivered, I now have a 650 thanks to this mishap. It used to be that people oversaw the operations and if things were going off the rails they could fix it, the situation here with TD almost feels intentionally malicious. You know they could easily fix it, it's pretty obvious with my daily phone calls explaining what was happening that the missed payments were due not to negligence but to a problem with the system. I really think they changed how they deal with customers, I went there because of the people and I think there was a shift a while back when they started closing branches for their associates to withdraw become more AI like and offer only cold hard facts.

If I could rate it worse I would. They don’t catch actual fraud charges, stop you from making payments to people by fraud alerting charges you make, and the customer service is clueless.

If I could leave a 0 I would leave a zero . Avoid td at all cost . Worst bank ever. They will destroy your life

Customer Service Manager Lauren at the Lacewood location in Halifax--ooof.
My husband and I went intot he branch very worried because our son, who is out of province, and had his TD card flagged for fraud. He had called customer service, was told to go to a branch. He did. They said they couldn't help because his ID didn't match the id on the account. (My husband opened the account for our son when he was a minor 10+ years ago. We have moved province. All the ID we opened it with is expired. TD never asked my husband or son for updated ID). We went into the Lacewood branch, and Lauren directed us to tell our son to call another 800 TD number (loss and fraud number)...he did. Another half our wasted, said they were unable to help. Instead of helping, getting the manager...she kept trying to justify how his card could have been flagged. Then, "why doesn't he just use another card?" Dismissive. (He doesn't have another card). To parents worried about their son 500 miles away with no other way to have access to all his money. When someone is drowning, you get a sense of urgency on how to help...not try to speculate at how they fell in the water. Looking at moving to a credit union for the whole family. I see other low reviews on here for TD. In my experience, they are justified. My son for 15 years has paid banking fees, asked nothing of them, and through no fault of his, had his card flagged for fraud and blocked, when he needed it most.

Difficulty accessing the right customer service person via phone, multiple transfers between TD service phone numbers, long service time waits

Paid my bill a day early and the next day they charged me twice and put my account into a negative state. and I called them to see if they can give me my money back that they over charged and told me that it will take 40-90 days to get the money back which is absolutely ridiculous. I now don’t have any food until I get paid next week :(

This is a second complaint related to an attempted wire transfer. I initiated a wire transfer last Thursday which should have been executed the same day. It was just executed - 4 business days late!!! I visited the bank many times, always being told the wire was “in a compliance review”. I had made a wire just a week before to the same recipient? I asked to speak with a regional manager and was given Kevin Taylor’s name and number. As he did not answer his phone I left a detailed vmail including a request he call me back. Nothing. After I made arrangement for another service provider to make the wire TD Bank completes the wire today and charged me $30. Could not be less customer friendly and competent!!!

I went to the branch on 4401 Amboy Road. I have been a customer since the day they opened that branch.
They are slowly losing customers due to the fact that Michael the branch manager
Really isn't an asset TD Bank.
A lot of people feel the service and the policies at other Banks
Such as Flagstar and M&T are appreciative of your business and it shows because they retain their customers for years.
I am not satisfied with customer service at this branch.

TD Bank: When Customer Service Becomes an Email Inbox

TD Bank also seems to rely heavily on email when it comes to resolving urgent mortgage issues.

It took more than a week to reach the department responsible for closing and mortgage lien releases on an existing loan. The issue stemmed from an error that placed a lien from another mortgage onto a property we were selling. This created unnecessary delays, stress, and uncertainty during a time-sensitive real estate transaction.

The only way the issue was ultimately resolved was through email. When we asked how our attorney could contact the department to obtain the mortgage release, the response was simply, “Reply to this email.” There was no direct phone number, no opportunity to speak with someone handling the matter, and no sense of urgency.

When did we replace good customer service—especially for critical, time-sensitive mortgage issues—with endless email chains? Situations involving home closings and legal documents deserve direct communication with knowledgeable professionals, not an inbox.

After 45 years in customer service, I can honestly say this was one of the most frustrating customer service experiences I have ever had. The unnecessary delays, stress, and lack of direct communication turned what should have been a straightforward resolution into an exhausting ordeal that could had been handled expeditiously by a person!

New tellers, not much know the banking. Always asking managers. Long waiting time. NOT friendly.

My mother was 88 and my sister lived with her who was always dealing with high functioning autism.... When I finally took over the account, I found that there were over 1200 dollars in over draft charges... My sister was getting 20 dollars out of the bank with the bank card and it was costing 35 dollars every time... If this bank was human like there trying to portray, a red flag had to be up on this account, but because there was an auto deposit they just let it go..if there Human there a greedy one... I'm not a banker so I can't tell anyone how to fix this... Just want to warn others that this bank is not Human...

The worst Bank in the USA!
Is a Canadian Bank and has disgusting customer service rep.
The Managers work remotely and not even from the office!
What a joke TD Bank
I never received my debit card in the mail. I asked them to overnight the card and they told me NO!
They canceled 2 cards and never shipped the replacement one.
The Managers are incompetent and racist toward white customers.
Never again I will Bank with this awful Canadian Bank.
Stay away,
Run run...

I had aminor problem at the drive-thru ATM (my own error). I went in the bank and Jason came in form his 'office', got behind the counter, and assisted me. He provided a great level of customer service.
Date was 6/8/2026, at ~11:30-ish
Kathleen Karthaeuser

I had a great interaction with Mauricio at the TD Bank in Flemington, NJ. He was thorough and I felt he cared about what we needed

I had a very frustrating experience at the TD Bank branch on 1247 Main Street in Watertown, CT.

I visited the branch to obtain a cashier's check for a large amount. The funds involved had a clear and documented electronic history. The money had previously been withdrawn from my account, later returned, and additional funds were deposited, all through traceable transactions reflected in my account records.

Despite the documented transaction history, I was subjected to extensive questioning regarding my own funds. After what felt like an interrogation, and discriminatory practices, Branch Manager Lorena Xhuti ultimately refused to issue the cashier's check.

I was not given an explanation that justified the refusal, especially considering the clear electronic trail associated with the funds.

What made the situation even more confusing was that I subsequently visited the TD Bank branch on West Main Street in Waterbury, The staff there reviewed the transaction, treated me professionally, and issued the cashier's check without issue. The difference in service between the two branches was striking.

My concern is the lack of consistency in how customers are treated and how banking services are provided. If one branch can process a legitimate transaction without difficulty, customers should expect the same standards at another branch.

The professionalism shown by the Waterbury branch only highlighted the disappointing experience I had in Watertown.
I hope TD Bank reviews this matter and works toward ensuring consistent customer service, clear communication, and fair treatment across all of its branches.