TD Reviews 266

TD is terrible they will use any clause in the contract to not pay money. I was frauded a lot of money and they turned around and said that the person had my personal information so as the contract says that it’s on me. when this person on camera was not me and I did not know the person who took the money. I tried to appeal and they said to bad we are sticking to our position even with a credit card that was opened online was not even from me. Terrible fraud services can’t even do their jobs properly and no one cares!

Banking and preciousetals departments are both extremely incompetent. All ads are geared towards people of colour and new Canadians. Horrible company

All had been good until a few years ago when they went down hill for customer service. My not so EasyWeb kept coming up, oops something went wrong try again later. So often I tried getting to talk about it with a human. Nothing! All I got was an automated voice with all the wrong choices for my problem. Called my local bank. They made me change my password by sending me a one time log in. Nope that didn't work. Called and got a person on the phone and said, okay please wait while I pull up your account. Twenty minutes later I gave up talking to her again. I guess their specialty now is not customer service but money laundering! :(

Honestly the worst bank. Expensive, Unnecessary fees and wouldn’t help me dispute unknown charges. Closed my account as a result, never looked back

I decided to transfer my self directed investment account to Wealth Simple from TD. It would only transfer over as cash as it was in a TFSA so I chose that, the only option I could. Well when the transfer was done I noticed they charged me $43 dollars per trade for a total of over $1000. Usually it is $9.99 a trade. When I called for support they were no help. When I asked where these fees could be found they told me to google it. Well I googled it and all I could find was “simple straight forward pricing of $9.99 per trade”. Obviously that is a lie and I will be doing so business with TD in the future.

TD Canada Trust, Is the ONLY BANK in North America that CANNOT Process a Bank to Bank transfer from their OWN BANK in a timely manner! Every other bank in the world can process a wire transaction in an hour or less! and TD Canada Trust, Cross Border banking can't! It is shocking in 2025 how they just don't possess the technology to complete a wire transfer from bank to bank, like everyone else can!
TD Canada Trust has the Most DISRESPECTFUL, and Incompetent Cross Border Banking customer service I have EVER Dealt with! They seem to think that your money belongs to them and they can just keep it and hold it anytime they want and LIE about where it is! (They are out right NASTY to TD Bank Employees on the other side of the border often hanging up on them!)

TD Canada Trust, Is the ONLY BANK in North America that CANNOT Process a Bank to Bank transfer from their OWN BANK in less than 3 days! TD Canada Trust has the RUDEST, most Arrogant and Incompetent Cross Border Banking customer service I have EVER Dealt with! The seem to think they can DELAY your money anytime they want! (They are even rude and Disrespectful to TD Bank Employees on the other side of the border!) Every other bank in the world can process a wire transaction in an hour or less! and TD Canada Trust, Cross Border banking can't!

I’ve been a TD customer for over 20 years. Never complained, never caused trouble, never even asked for “special treatment.” I stayed loyal, used their services, and genuinely believed long-term customers mattered. Clearly, they don’t.
I’ve accepted that TD won’t invest in people who don’t call and complain, fine. But what I can’t accept is being humiliated and treated with zero respect inside their own branch. The service quality has fallen off a cliff in the last year — staff are rude, unhelpful, uninterested, and seem more focused on getting customers out the door than actually resolving anything. No urgency, no ownership, no effort to help.
________________________________________
The actual issue:
I ordered precious metals from TD online for my son’s birthday. I’ve done this in the past — fast delivery, smooth experience. This time, delivery was supposed to be 5–15 business days, so I planned perfectly.
Well, 20 business days passed.
No update.
No delay notice.
Not even a courtesy email.
So I went to the branch for help — honestly the worst part of the story.
The teller:
• couldn’t answer basic questions
• kept repeating “delivery is 15 business days” even though I repeatedly explained it was already past 15 days
• said “I don’t know” to almost everything
• seemed annoyed that I was still asking for clarification
• only after insisting did she check my account, and still had no timeline and no information
Imagine spending $500+, money already withdrawn from my account, and the bank literally has no clue where the order is or when it will ship. If a customer pays late, interest applies. If they fail to deliver — nothing. No apology. No accountability.
________________________________________
A week later…
I finally get an email saying the order is delayed, with a $20 credit for a future purchase.
A joke, honestly. Why would I order again when they can’t commit to delivery in the first place?
The email didn’t even include an order number. I placed four separate orders around the same time, so how am I supposed to know which one it refers to? They blamed Canada Post for delays — but tracking shows the package was never even shipped from TD’s warehouse. Another joke.
They also said the branch will contact me once it’s ready. Another joke as they never contact me to confirm that product arrived.
________________________________________
I’ve never posted here or any other site before, but this experience felt worth sharing everywhere. It’s disappointing that such a large bank doesn’t invest in improving customer experience. Being loyal means nothing. Being polite means nothing. And being a long-term customer apparently earns you frustration instead of service.
At this point, I’m seriously rethinking staying with TD.

Their customer service is terrible—rude, disrespectful, and completely unprofessional. The representative actually yelled at me and spoke in an aggressive, inappropriate tone. On top of that, their services—from banking to insurance—are overpriced. I won’t be doing business with them anymore, and I don’t recommend anyone else does either.

Booked an Appointment, showed up 10 minutes earlier, after 20 minutes no one showed up and I left the branch wasting my time and half day off the work
Very unfortunate

Thank you so much for big help Nargis
My credit is good it’s working now
I appreciate

I recently purchased a TD credit card and I have received the card. I want to check the charges on it by creating an account and using the TD app. The TD app is not allowing me to create an account with my email and asking me to call the TD phone number.

I called the phone number and they want to know what my last transaction was above 60$ in the last 30 days. I am open to answering whatever other details required to authenticate. I already answered 3 questions, but that is not enough. How would I remember my transactions on the card or check that without having access to my account?

Now, their solution is for me to go to a TD branch with 2 IDs. In 2025, you'd expect a simple thing like making an account would be possible online and wouldn't need to take time off from work to visit a branch and stand in line.

I finally remembered what the transaction would be and called them back, and they said there is a note that we cannot authenticate you even if you have all the answers now. And I cannot talk to any managers/supervisors about it. They cannot connect me with them. I have to go to the branch.

time to go to the branch and cancel all the services with TD immediately. What a horrible service.

I’ve been a TD customer for years and I’ve really enjoyed my experience until tonight I came across something really frustrating. So I had recently paid my energy bill before it was due , I called my energy provider and gave them a reference number ect. However my energy provider messed up and tried to take the money out of my account after it was already paid. And I don’t keep money in that account so it resulted as an NSF. So I talked to them. They told me to call TD and let them know about what happened and they would return the NSF. However, I called TD tonight and they refuse to give me my NSF fee back after much discussion and frustration. Then they offered to give me 50% of it back on top of that every time I told the representative that I was not taking the 50% she would let out a big sigh and put me on hold without saying anything to me talk about unprofessional.

I explained the situation over and over and they even saw that I had paid the exact amount two days prior to me getting the NSF and they are still refusing to give me that NSF fee back.

I’m really really frustrated with this experience and very unhappy , I understand that a NSF fee is very small at the end of the day but when your penny pinching already it’s very frustrating when they are charging me when all I did was pay my bill…. Roast to you TD.

TD bank ceo and branch managers don't have email to reach them, I'm posting here making sure my message will reach them. All Canadian banks are prejudice no exception they think they can sniff people with money, TD refused to help me because of assumption that I am poor, I requested to speak to the branch manager twice but deny. because they think I am not worth the time. To all Canadian Banks you are all prejudice. I don't care the way banks treated me but the consequences, depriving me of my financial rights and my basics needs

TD Authenticate App. Why does TD force you to authenticate with their app? It is broken and useless. Get on board with the other companies that allow TOTP through any service we wish. I've been trying to login with the Authenticate App for months. Used to work, and it doesn't anymore. It keeps telling me that I'm using an "Unsupported Account Type" and that I need to be a member of EasyWeb and/or Web Broker. I am a member of BOTH. I call support, and I'm on hold for 10 minutes while they "figure it out". Then he comes back and tells me that it is a known error with no estimate for when it'll be fixed. I guess if I'm going overseas, I'll just be S*** out of luck...because I can't get a text to login. Brutal. Customer since 1983....and I give them all of my business. It may be time to take it all away.

This review is both for the TD branch at Yonge St & Finch Ave (2 stars), and TD Direct Investing (1 star). So 1 star average.
My relative wanted to open a TFSA trading account at TD Direct Investing (DI), and to give trading authorization to me. We went to the Yonge & Finch TD branch on October 18, 2025, meeting Senior Personal Banker Amar. Amar filled the forms and sent them to TD DI. A week later, we called several times TD DI to find out that no account was opened. My relative visited the branch three more times, and TD worker discovered that the application was incomplete, and so it was rejected. Amar was not informed by DI stuff. We informed Amar, went the fifth time to TD, signed the missing document. Unlike in the previous attempts to communicate with Amar by emails or leaving phone messages, to which he did not reply, this time he replied, since this time HE needed information from us. Eventually the account was activated on 4 November 2025.
Amar also sent a transfer form to another financial institution without waiting when the account is opened. The cheque was sent on October 20. We were just lucky that Canada Post was on strike, so that it took more than two weeks for the cheque to arrive. If the cheque arrived earlier, when the account was not opened, it would be sent back and deposited back to the TFSA account, which would be a overcontribution, and then CRA steps in. That would bring us lots of troubles. Sending such a request WITHOUT opening an account first was a mistake.
On the first visit for signing documents, Amar did not provide us copies of the signed documents himself. It is only after our request he made these copies, which turned out to be critical to find what went wrong with the application.
But the saga did not end. The relative called TD DI about the authorization. The support person could see the authorization application, but in order to activate it, we have to go to the branch and ask them to call TD DI. We went to TD the sixth time, asked for this service the teller. The teller verified my client card, checked driver’s license, and still not been satisfied asked for a passport. Eventually, passed us to Amar on the pretext that TD DI does not have authorization application. Which is a strange excuse since DI’s support assured us it is there. The next day we went to the branch the seventh time. Amar called DI, we spent forty minutes on the phone, achieving nothing.
The next day DI support called, and after verification I was given ID and password OVER THE PHONE, WITHOUT visiting the branch (why emphasis, will become clear later). However, when the next day, on Nov. 7, I tried to do a trade, the application requested a trading password, of which nobody ever told us. We called support and asked for a trading password. The support said that we have to go to the branch to obtain it, or send driver’s license and our photos. Note that the day before I was given ID and login password for the account OVER THE PHONE, without sending documents and photos. So, my relative went to the branch eighth time and was given a trading password.
However, it expired. So, the relative went to the branch NINTH time with a computer. Eventually, this the simplest issue was resolved (with efforts and time hundred times exceeding any reasonable amount).
We terribly regret of our decision to open a trading account with TD DI, which brought us so many inconveniences, lots of stress and worries, forced us making tens of prolonged stressful phone calls, spending enormous amount of efforts and time to complete this simple task. Inhuman - that’s the most kind word for how TD DI conducted its business with us, while abuse and humiliation are the most adequate words. As in many governments “national security” serves as a tool for power abuses, the TD's umbrella of “security” de-facto gives the stuff free hand to abuse people and to cover their incompetence. All in the name of "security", while in fact tramping down the last remnants of dignity and respect for human being left in this once civilized country.

Absolutely incompetent bank.
I can't trust them to manage making a ham sandwich.

TD service has gradually devolved into an absolutely illegitimate enterprise that has zero competency or regard for customers.

They have had numerous lawsuits in recent years and I have no faith or trust in them managing our finances.

They have had a number of data breaches and have mishandled customer sensitive personal information. No wonder TD customers are falling victim to a number of scams. Scammers often have customer information which they use to appear legitimate.

TD has failed in securing sensitive information and has the audacity to reject fraud claims, citing that customers gave the scammers access.

Not necessarily. Many others who were frauded also reported fraudsters posed as the bank, knew bank protocol, and had personal information (birthdate, card numbers, addresses etc.). Many people also reported that scammers were able to access their accounts somehow without having given their pin.

What's worse, is that loss prevention is misleading.

I got scammed even without giving a pin or access, and ended the call quickly when I ascertained it wasn't the bank (they used spoofing technology), and called TD right away. They told me the transaction was pending, that I did the right thing, and not to be concerned. But alas, the charges went through, and my claim was declined. My appeal was also declined.
What's surprising, is that I had a suspicious charge before about 4 years ago and the bank handled it completely differently. They CALLED me and told me about the issue, and reversed the charges within 72 hours. Things have changed.

My husband and I are closing our accounts with them. They obviously don't do due diligence and protect their customers.

It's not difficult to post on the website front page. It's not hard to put an advisory when you log into easyweb.

Where is the customer advocacy and education about scams ?

Where is the accountability to customers ?

Keep it up, and pretty soon they won't have any.

They've made their shareholders mass profits by moving call centers overseas, then are surprised when they get a wave of scamming from the same place.

Its not hard to make the connection here.
Former employees were leaking data and misusing customer information.

The bank is liable. And they take zero accountability, are increadibly opaque about their processes.

I would like to reveal an honest account of my unbelievable experiences with the TDCanada Trust Signal Hill Branch in Calgary, AB., as well as the main National operating offices for TDCanada Trust. I believe it is important to share results, both positive and negative. However, I fear that relating my story will cause even more negative repercussions for me personally at TDCanada Trust.

I became a loyal client of TDCanada Trust when I got my first job. I was 13 years old. It was 1978. The excellent Richmond Road branch that I opened my first bank account with is no longer there. As I live in the South West, I became a member of the Signal Hill (Stewart Green) branch when it opened.

In the Spring of 2024, I was a victim of a scam. My health is not good, and I had just gotten home from the hospital after receiving my regular treatment. Although I was not in the best state, my phone rang unexpectedly and I answered it, prior to lying down. During the lengthy conversation I had with The woman who scammed me posed as a representative of a company I had ordered an article from the day before. During our lengthy conversation regarding a customer service issue, I never mentioned my bank, spoke about it any way, and definitely did NOT offer any banking information to this particular undesirable. However, they were somehow able to gain access to my phone. Literally seconds after finally hanging up, I got an automated text message from TDCanada Trust informing me that my bank balance was under $100 or less. My credit card was also maxed out.

I immediately went to a police station and made a report, after informing the bank of what had just happened. I was informed that the RCMP had an official file on this particular scam operation, and I went to a local RCMP post and filed my report there, as well.

Although nothing like this had ever happened to me before, I followed the exact protocol for what to do in this situation. I called the TD number for my TD Visa, and they kindly wiped the charges off my card. I was so grateful.

Two days later, I received a letter from TDCanada Trust stating the bank would NOT be replacing any of the thousands of dollars that had previously been in my account before the scammers took it all because I had willingly given the scammers my banking information! I appealed their decision a total of 3 times, providing the extremely extensive RCMP report, as well as the official police report that both clearly state I did not provide any banking information. 3 times TD Canada Trust sent me a terse response saying it was my fault I lost my money, and they would NOT replace it as is the usual mandate. Days after my first letter from TDCanada Trust, I received a letter from TD VISA, telling me they had learned that I “assisted the scammers”, so they were reversing their original decision to wipe the items the scammers purchased. Suddenly my VISA card was full of expensive purchases I DID NOT MAKE!

I initially wanted to leave TDCanada Trust and close my empty account, but I decided to stay so when the RCMP investigation was completed, TD would be sure to repay me for the money lost. Now, even with the RCMP’s investigation finally and successfully closed, clearly identifying that the scam I fell victim to was a legitimate national ‘event’, TDCanada Trust will NOT return my funds.

IT GETS WORSE…

Finally I paid off the TD VISA and closed the VISA account in the late Spring of 2025. In August, I began receiving “friendly” text messages “reminding” me to make a minimum payment on my TD VISA account. On further, and individual investigations with a number of usually smug, disinterested tellers at the TDCanada Trust Signal Hill (Stewart Green) branch…except for the kind, delightful, young blonde man who has some kind of an elevated position. I unfortunately can’t recall his name, but he is always helpful, concerned, polite, and full of suggestions…who seem to enjoy passing on news that they CAN’T help me. Only if I call the number on their app will I get the help I need.

My TD VISA account was apparently NOT cancelled, even though I have my paperwork documenting it as so. An additional $470+ was added to it, but no one at the bank, or on the phone can tell me what that charge actually is. Interest is of course being accrued on that unknown $470+ amount, and every month I do not make a payment, my credit score decreases.

NOT ONLY THAT…

The TDCanada Trust Signal Hill branch also began removing small amounts of money..usually between $20 and $30…a couple of times each month with no explanation for it. Last week I went to Signal Hill (Stewart Green) TDCanada Trust branch, and after speaking with 3 separate individuals in a variety of positions within the bank, no one could explain what the mysterious withdrawals were for. Once again I was told to call a faceless person on the app.

I've been a customer of TD Canada trust for 35 years and the level of service has gotten so bad I'm looking into a credit union. When I need to see a teller the lines are so bad I can not stand for the 40 minutes to be seen .

Horrible service never use them. They reject counterfeit claims when they are counterfeit and they lose the claims that are put in just horrible