TD Bank Corporate Office & Headquarters

Watch out TD Trust may be in trouble, lately they are putting longer than average holds on customer's deposits, a sign that the bank is in stress mode. If you need your deposit added to your account quickly use cash and don't leave large amounts of cash in you chequing accounts.

Just another customer that was screwed by TD Bank. I've also been a customer with Commerce then TD. I've always had excellent credit, I went for refinancing in August of 2011 and was told everything looked great. When they did my appraisal, two days after Hurricane Irene, they said it appraised low. I was told I could come to the closing with the difference of $7,650.00 if I still wanted to refinance. I dealt with a very incompetent woman named Clayann Small in South Carolina. She kept sending me the same things over and over in an email, papers and documents were sent several times. Then obviously since I didn't have the $7,650.00 to close, they took out $407.75 for an appraisal directly from my checking account. The appraisal took 10 minutes and was completed two days after Irene..you can only imagine what the property looked like. Well, I belong to one of the biggest unions in the United States..word does get around.

I wish they would allow for a negative number of stars. I would give TDBank's mortgage department a negative 5 stars. My wife and I just went through a refinance with TDBank. The past two months have been two of the most miserable months of my life. Our Loan Officer, Loretta Jenkins, was completely clueless. It made me wonder if she even knew what a mortgage was. From the start my wife and I stated we wanted to pay all origination fees, discount points, and pre-paid escrow at closing in order to keep the loan amount down. For some reason TDBank never got this concept that someone would actually request to borrow less money and pay more at closing. These people were so clueless that attempted to make us purchase flood insurance even though we don't live in a flood plain telling us the only way to get around it was to file with FEMA, which was a very costly and lengthy process. We paid for an appraisal, yet the final paperwork listed the estimated home value that I gave them on the initial application rather than the actual amount the property appraised for. I complained several layers up the ladder, about the lack of competence and the lack of communication and it really did very little good. After the loan was approved and the paperwork was completed no one would respond to my calls or e-mails. Even the closing company complained of a lack of correspondence from TDBank. TDBank ordered two separate (faxed) pay-off statements from my original mortgage holder at the cost of $30 each, when you can get a payoff about over the phone or mailed at no cost. These statements were requested 30 days out costing me $60 for no reason at all. In the end our loan amount was several thousand more than it needed to be. I would not recommend going through this to anyone. Stalagmites form under stalactites. TDBank obviously has issues from the top down in order to allow such a level of complete incompetence to permeate through their ranks. This whole ordeal was so batched from day one that my mind is still spinning to the point I can't even currently remember all of the screw ups. Maybe that's their strategy or business model.

I think TD Bank's retail locations are great. However, their online loan department is the most substandard and unprofessional I have ever dealt with. Each of their loan processors and managers should be re-trained on how to treat customers. They do not return calls (or emails) in a timely fashion and give wrong information- not to mention outright lie about conversations. Although they have decent rates, they are the WORST BANK in CUSTOMER SERVICE...

My mother took me to a branch of Commerce Bank (now TD Bank) when I got my first pay check for a part time job while I was still in high school in 2003. I have had my student account since then until it was closed by your bank in 2011 over overdraft fees improperly and illegally charged to my account. I have been told that some errors were made by bank personnel and some of the Overdrafts were reversed. However, my account was charged some $650.00 overdraft fees which were not reversed. I am a student and cannot afford these overdraft fees. I had my US Air Force pay being deposited into this checking account - and I believe that is why they kept charging my account because they know I was getting a monthly pay check.

Canadian TD Bank bought out a local bank here in Central Florida and gave gift certificates to retain my account. Yesterday I tried to make a purchase with the $25 card and only received credit for $20 even though the card is good thru 2013. This bank like many others is scamming people with the relatively unknown dormancy fees that are as assessed after 1 year for not using the card sooner. I found the notice in micro print on the reverse of the card and used a magnifying glass to read it. I don't know when I received the card an was unable to determine when the 365th day occurred. The good thru date 2013) was a fiscal joke of sorts. I see no need for such deceptive, misleading practices other than greed and malicious intent to deceive. It's probably legal but unethical, malicious and downright deceptive. I lost 25 percent of the "gift" value because of this practice. I hope they fold their tent and go back to Toronto where such practices are probably more accepted by the culture there.

I was just informed by a customer service rep. of TD Bank that I was "misinformed" when I was convinced by another one of your reps. a few months ago to switch my checking account to relationship checking. In March, 2011 I called to speak with a customer service rep. about the fact that I had to pay a fee to take money out of another atm because the TD Bank ATM by my home is always out of money on Fridays. That rep. told me I should switch to relationship checking because there are no Atm fees. I told her that I would speak with my husband about it (as actually I was just going to pull my account out of the bank due to the inconvience). The rep. actually stopped me from hanging up and said it "doesn't cost anything because you meet the requirements because of your loan" I said "what is the minimum balance you have to keep in your checking? She said a combination of $20,000 with all your accounts, but you meet that with your loan. Well I made the mistake of trusting her and TD Bank and never checked for a fee. Today I go on my account online and see there is a $25 fee. When I called today I’m told I have to keep $2500 in my checking. I didn't have $2500 in my checking when I switched to this relationship checking, so why was I misinformed. Then your rep today tells me she can reverse one fee. So I threw $75 out the window. Although your bank feels its ok to steel money from me and yes I mean steel, when I was lied to, in order to change this account, I continue to pay my home equity loan on a home that is no longer mine. I guess just because I have integrity it doesn't mean a big corporation like yours that can afford to reverse $75 has integrity.

I had an account with Bank of NH from the time that I was 17 years old. It was taken over by TD Bank North and now TD. I have never had any trouble and love our local bank until I went to refinance my home mortgage with TD. I have nothing but trouble with everyone at the corporate office. They have completely botched the entire deal. I found the representatives to be extremely rude and not helpful in the least bit. I went from being conditionally approved, then approved until they did the appraisal on my home. The appraisal came back less than expected due to the current market, and so they made a counter offer. I kept getting bad information and then the put a contingency on the refinance that repairs had to be made in 3 weeks before they would approve the loan. The appraisal was for the property as it is not with repairs, not to mention that the refinance was so that we could have the money to make the necessary repairs. I received a phone call at 8:30 pm from a manager who was at his home at the time and did not have my file with him apologizing for the confusion and that I was all set. I was promised a phone call in the morning which never came. I called him to get his voice mail and still did not receive a call. After 1 1/2 months the loan is still in limbo and the information still is not correct. I am extremely unhappy and all complaints fall on deaf ears!!!!

I have been banking with TD for over 7 years. I have always been very carefull with my money and budget to avoid any overdrafts because I knew TD's reputation. However I have servaral loans via that bank so it was more convienent (no pun intended) to stay with them, otherwise I would have left long ago. I made an ATM withdrawal that overdrafted my accoung by mistake. This was my error, the money was not available in my account and I perfectly understand and accept the need to charge me an overdraft fee. However, TD then charged me overdrafts fees for pending transactions that had come days prior and in which I did have money in my account to cover by purposely placing the ATM withdrawal before all of my other transactions, this resulted in a $140.00 overdraft fee. According to bank policy they do not go by the date of the transactions but by the amounts, largest to smallest, a gimmick to scam customers out of money with overdraft fees. This makes it incredibly difficult to budget your account as the online banking is completely unreliable and as there is no way to know what gets charged when even recording on a transaction log will be inaccurate. This is damaging to people like me who budget down to the very penny. This also means unless you have a good buffer you could be paying $35.00 for that $3.00 cup of coffee. I called customer service and requested that $105.00 be waved, again I had no problem paying the one overdraft for the ATM withdrawel as that was my error. I was advised that because I had overdrafted my account over a year ago (by $2 I might add) they would only wave one of the fees. I expressed my concern on more overdrafts as I had not accounted for the additional $105.00 fees. Again I budget to the penny. Customer service advised me that deposits are posted before any transactions so as long as I put money in my account I would not have any more fees. I then made a deposit in cash bringing my balance to $161.14. This was to cover a $60.00 check and a $71.94 payment that would hit my account with $29.20 to spare. The next day I am now being charged two more overdraft fees, a total of $175.00 in fees even though I had made a deposit and it clearly shows on my bank statment as a positive balance. I called customer service again and spoke to one manager and one assistant manager and advised them what the previous rep. had told me. They advised me I could pay off my remaining balance and close my account if I was unsatisfied. This is unacceptable. I was blatantly lied to by customer service and TD twisted its policy to take my money without justification. Now I will be charged more overdraft fees as more transactions hit my account and I will not be able to recover. There is no need for this kind of treatment. I have already stopped any direct deposits from hitting my account and I will be closing my account and going elsewhere. I will be writing letters of complaint with the Better Business Bureau, NH senator, NH Commissioner of Insurance and Banking and official complaints on every internet website and board I can find. If this money is not returned I also refuse to pay any undo fees and will dispute and repress any transactions that are sent to a credit bureau with copies of my bank statements clearly showing TD as in the wrong.

TD Bank in the branch of Summit NJ this making things illegal since to do I deposit to the account and after you go away of the bank they remove money from the account because supposedly they count bad the money and they are short in x amount of money, thus cannot be protested because the law does not leave the client sees the security video to be sure that teller bad account and really makes lack money, until manager Heather of this branch does. This is so that they consider and they are not let rob unjustly and they think twice about open an account in this bank

i applied for a home equity loan,after the intake at a local branch,your processing dept took over---michelle mcintyre. Two weeks passed no word. I called 11 days in a row as the timing of this loan was important no call back,this went on for weeks. paperwork was sent-they lost it a second sect was misplaced 3months went by i coundn't take it anymore---Citizens 3 weeks for start to close. It is amazing that you stay in business with your poor service.I am in the process of moving my 6 accounts to Citizens

"TDBANK Online Banking will NEVER be accurate." Jean, Supervisor TDBank Alburn Call Center May 11, 2011 11:10am

I have paid well over 2.5m for a note and was lied to and ignored despite 26 phone calls. It cant even express how poor of service we recieved. The lies and short handed dealing should be investigated. I will never deal with this bank again and if you are shopping banks go else where. The service does not EVEN exist

Pro Maintenance Services 138 Wellesley Street Hempstead, New York 1155o 646-372-6962 516-451-0591 April 11, 2011 TD Bank Corporate Headquarters P. O. Box 1377 Lewiston, ME 04240 To whom it may concern; This letter of complaint is being written to express my concern for how I was treated in your Garden City bank. On March 31, 2011, my partner and I opened an account in the Garden City bank for our newly registered business, “Pro Maintenance Service.” I’m writing this letter because I don’t believe that I was treated fairly by one of your employees, Assistant Vice President of Sales and Service Manager, Antoinette Zaino. To begin, we opened our account with a check in the amount of $4,400.00 dollars. The check, issued from the First Presbyterian Church in Jamaica, was written to “Pro Plumbing and Heating” (Boiler maintenance); because our company also involves the cleaning and maintenance of boilers. On March 31, 2011 the check was deposited in the new account, and we were informed that the check would clear within five days. On April 5th or 6th, 2011 we withdrew $500.00 dollars from the ATM, and also made other debit card purchases. On Wednesday April 6th, 2011 I went to the Garden City bank and attempted to withdraw two thousand dollars from the account to pay off a loan. The teller stated that he did not have enough one hundred dollar bills, and went to speak with Antoinette Zaino. I saw the teller speaking with Ms. Zaino, and I observed them pointing in my direction, but thought nothing of it. Moments later, Ms. Zaino approached me to say that she checked the account and saw that the check used to open the account was not written properly. She went on to say that she wanted verification from the church that wrote the check, to verify that the check was valid. I contacted the church Administrator where the work was performed, and he spoke with Ms. Zaino, verifying that the check was indeed valid, and issued to me. After hearing this, Ms. Zaino told the Administrator that she wanted a letter from those signatures authorized to issue church checks. Apparently the Administrator told her that he was not privileged to provide her with that information, however, he would be willing to fax a letter within thirty minutes on the church letterhead verifying that the church issued the check. On Wednesday April 6, 2011 I contacted the main office of TD bank and lodged a complaint, I asked to speak with a Supervisor and was told that a Ms. Stella Cook would contact me when she returned from the field. To date I have not heard from Ms. Cook. I later that day called the 800 number and spoke with a representative of Ms. Cook who, after hearing my complaint, contacted the Garden City branch and spoke with Ms. Zaino. She returned my call and said that Ms. Zaino indicated that she put a stop on the account, but that she would release the funds on the 17th of April, 2011. The following day, Thursday the 7th of April, I received a call from Ms. Zaino stating that she would issue a bank check for the balance of the funds in the account. I thought this was a tactic to try and ridicule me since the church Administrator would have to alter his books to reflect this accounting change and issue a different amount for the completed work. I later contacted the church Administrator who informed me that the $4,400.00 dollars had been withdrawn from the church account, and he asked why the bank was trying to cause such an accounting headache for his church. He said that the work was completed; the vendor paid, therefore, the business concluded. As a businessman and a Pastor of a large church in the Queens area, I am complaining about the treatment I received at the hands of Ms. Zaino at the Garden City Branch. I don’t believe that the treatment I received was warranted, after all, the check cleared, I verified that the check was legitimately issued to my company, and I was able to use over five hundred dollars of the money in the account. I believe that this matter could have been handled differently, but I feel that I was targeted unfairly from the time I entered the bank and requested the withdrawal from my account needed to repay a loan. On Sunday April 10, 2011at the conclusion of church services, I announced to my members what transpired at TD bank, and informed all my members that they should change their bank to one where they would be treated fairly. I also issued a bulletin to the organization to which I am affiliated, serving over 6.5 million Christians nationwide, along with all one hundred and sixty two Bishops, of how I was treated. I requested that they e-mail all their members and post this notice on all church bulletin boards. In conclusion, I am asking for the immediate release of my legally obtained business funds in the form of cash or a certified bank check. Anything short of this, I will file a complaint with the State Banking Commission and the Better Business Bureau. Thank you for your time and consideration in this matter. Sincerely, Richard Hyatt

I wrote a letter of complaint about the unfair treatment I received while trying to conduct business in the Garden City TD bank, I was approached by Vice President Ms. Zaino who had to check my account (how I opened the account and the check used to open the account)before she put a hold on the account because she said that the check was not written out properly by the issuing church. With loans to pay for my newly established business, I needed to withdraw a certain amount of funds that day, but have not been able to since. My account is still on hold. As an african American and a Pastor of a large church, I believe that I was treated unfairly at this branch by Ms. Zaino, and I just want my business funds released. I faxed a letter to the Corporate offices and am awaiting a response.

INQUIRY: I know that applicants are suppose to “wait and see” if they will be invited for an interview and that the quantity of applications received doesn’t permit routine individual acknowledgement responses, but I was hoping that a specific request might be honored. The level of applicant interest might be as simple as “Reply to” saying “we are still considering you for an interview” or “we don’t expect to offer you an interview.” Such a response would allow me to judge whether I want to standby or accept other competing job offers. I’m sending this by e-mail so a “Reply to” response will provide a quick way for you to signal your level of interest in candidacy for your HR Business Partner-Lewiston, ME - FT position– without getting snagged in my Spamcatcher. Appreciatively, Larry Cilley

One the worst bank I been to, the staff are rude and doesn't show a respect and practice good customer service to customers. Bank statement online are unreliable and full of errors. Staff are holding grudges to customers and engaging verbal attack with customers. I requested for change of address several times that didn't happen for over a year. Very poor customer service. Tellers information are not reliable and inconsistent. Note I will be sending a copy of my full report to your Corporate Office - Customer Service on this respect. Bank staff are an embarasment to banks' reputation!

In checking my account on line yesterday I saw a $2.00 charge for "not using a TD Bank ATM machine." That's right you will be charged for not using TD Banks ATM machine. This practice is nothing more than "price gouging." To get around this charge I was told to keep a minimum of $2500 in my checking account. TD pays .34% interest on their checking accounts. I was a long time customer of Commerce Bank. TD Bank doesn't have a clue when it concerns "customer service."

I made application to re-finance an investment property in October 2010. I waited 2 months for an appraisal to be done, only to be told they didn't like the appraisal which came in at $400,000.00 They ordered a second appraisal which came $115,000 less than what I paid for the building in 2007. They used an appraiser who was not from my area. It took a total of 5 months to get the value of my property. I was locked in at 4.25% for 30 years with 1 point. I believe TD Bank engages in a practice to deny customers their loans, so they don't have to lend at low interest rates. My property grosses $42,000.00 in rental income and the appraiser values my property at only $285,000.00. Customer Service sucks at TD Bank, it takes days and sometime weeks for them to respond to your emails. Their website says a represenative will call you weekly to address any issues that need to be addressed. They never call you. Save yourself time and aggravation don't try to get a mortgage with TD Bank you'll be sorry. They advertise low rates, but no one gets a loan. I think the Feds should investigate TD Bank.

Ok this bank has issues.... and On top of that I don't even know who the Genreal Counsel is at this time? Wasn't some General Counsel playing froud on TD bank? No thnx I sure don't want to continue with them! Thank you very much!