Been banking with them for years. Deposited several large insurance checks. When I made the deposits, the teller didnt tell me that the funds would be on hold for 10 days. I went into my local branch and the teller said that if could provide a copy of all the checks deposited and she could verify they were paid she would talk to mgr about releasing hold. I called and found out that they were all cleared in 1 day. The bank mgr said that he could not override the hold. Such b.s. Cannot operate a business without funds. As soon as everything clears, I am closing all of my business and personal accounts. Another scam they have is post all of your checks first before your deposits so they can charge you overdraft or nsf fees.
I have been trying since Octoboer of 2013 to get one person to return my phone calls in reference to a property that is listed on the foreclosure list. As of date not one phone call or email has been responded to.
My particular branch started as a Commerce Bank before TD bought the entire company several years ago. The tellers are friendly and routine transactions are handled efficiently. I'm on a first-name basis with the branch manager. So far, so good.
My frustration is that TD Bank's IT department is pathetic. I first noticed a pretty serious functionality problem on their Web site about two years ago after a Website refresh. I reported it using an outdated Web-based form on their Web site (e.g., the form prompted for computer OS but the most recent was Vista, also prompted for browser and had no mention of Chrome). I have spoken with my local branch manager, who has confirmed that it is a bug she could reproduce. I have walked through the process of reproducing the bug with a telephone customer service rep. I was told it would be handed off to IT. I've also been told that an IT manager would follow up with me -- a year later and I'm still waiting for that call. I've tried to reach out to TD Bank in every way possible -- via their Twitter feed, phone, online, and in store to get traction for fixing this issue. Despite claiming to be "America's Most Convenient Bank," they are also a monolithic wall when it comes to communicating with customers about technical issues.