If I could give zero I would give zero.

I lost my TD credit card and I removed any payment/preauthorized payment from it to prevent any fraudulent activity.

When I got my new card back, I went back online to put preauthorized payment back just to find that TD reported me for missed $79 statement balance just for only few days being late - even though I paid my balance in full the same day I discovered that I forgot to put preauthorized payment back to that card.

I forgot to put preauthorized payment for a full statement balance back as I had that preauthorized payment for a full statement balance in place for many years and since I did not use that card for a month as I lost it.
That was the reason why I thought that I had no balance on it.

What is worst, TD did it even though they charged me interest for those 7 days and even though I paid my whole balance in full as soon as I discovered that I forgot to put preauthorized payment back for a full statements balance.
Also, TD did it even though I have been their customer for 26.5 years and I NEVER missed a single payment.

I asked to be connected to a TD Manager and she did not want to remove their bad report even though they had 25 times as much money on my chequing account without giving me any interest for that and even though they kept on that same visa card my $1,400 credit for a month several months ago - before this incident. At that time TD withdrew mistakenly a full statement balance from my chequing account TWICE.
WHEN TD Visa did that mistake, they did not give me ANY interest for keeping $1,400 of my money on my TD Visa account even though it took me 7 phone calls to switch my $1,400 credit balance from my TD Visa card back to my TD chequing account, while they reported me INSTANTLY for not paying $79 statement balance.

TD Bank has no respect for their loyal customers who pay all their bills regularly and is merciless when that customer makes an honest mistake.

I will definitely look to move all my bank transactions to another bank.

The victim of age discrimination.
I am a senior citizen who resides in Washington DC. I am a mild mannered man who didn't do bad for himself in life. I have several bank accounts with a few different banks. TD Bank is one of the banks where I do thousands of dollars of banking every year.
On November 14,2022, at approximately 1500 hours I went into the TD Bank located at 8211 Annapolis Road, Hyattsville MD.

I went into the bank to deposit several thousands of dollars cash and to inquire about the process of having money wired into the bank as I do not do it often enough to familiarize myself with the process. So as I mentioned, I am a senior and I was cold; I also suffer from an illness that necessitates me to keep my head warm. So I went in the bank and stood orderly in line. About five people came in behind me and stood in line; while standing there, one teller closed her line leaving 5 people in line; BTW there were seven people working in the branch and one teller working. One of the people working in the bank approached me to tell me to take my hoody off. I asked why, she said the banks policy. I told her I was cold, she shrugged her shoulders and said it the banks policy. So I pulled my hoody off and began to freeze.

Finally the teller said next, I walked to the teller and started my transaction. While standing there, automatically, I put my hood on because I was cold. This same woman started yelling across the bank, not realizing she was yelling to me until I turned and looked and saw she was directing her yelling at me. I said "huh?" she said you have to remove your hoody. I told her I was cold (meanwhile and BTW, there were 5 people in line and one teller open, and 7 people working the branch).

As she was yelling at me, another woman (later identified as E. Beorgoh-Lewis) approached and asked what was going on. The woman who was yelling at me told the newly approaching woman this old dude won't take his hoody off. I chimed in and asked to speak to the manager (Ms. EB-L) and the approaching woman said I am the Manager. I told the Manager that I was trying to make a bank transaction and that I was cold and simply put my hoody on. The manager then yelled at the teller, telling her to cancel my transaction; the teller had to go in the draw and take my money out the draw and give it back to me. I informed the Manager (Ms. EB-L) that I had a transaction and needed to get info about the large sum I needed wired the next day. The manager (Ms. EB-L) informed me she didn't care. I told her I wasn't leaving. The Manager told the woman yelling at me to call the police. I waited 10 minutes for the police to arrive. After weighing my options, and considering the PG County Police history with Blacks in the county, I decided to leave. I went to my other bank, Capitol One, who will be receiving my large deposit on 11/15/22.

I call the TD Bank help number and had to wait 25 minutes to talk to a live person. I literally wasted 2 hours of my life dealing with because the manager didn't want to deal with "some old dude".

This experience has me terribly upset. Since I have been home I conversed with several people/family. They all stated they already didn't like TD Bank and will ensure they avoid the bank.

There is NO number to call to file a complaint. There is no link on the site for complaints. When you call to file a complaint and ask if there is another number you can call so you don't have to wait 30 minutes, the answer is NO, They clearly say I have to call the same number and wait.

I have had so many problems with TD's website that I don't trust it anymore. For example, I did a trade on it which the site said was accepted but, mysteriously, didn't actually occur. So while the website assured me it was done, it wasn't. When I actually got through to an agent the next day, the explanation was pretty lame and unacceptable considering the site's confirmation of the trade being accepted. As well, there have been times when watchlists have disappeared and dollar amounts could not be entered when placing an order online. There have also been various times, many of which were crucial, when its website has "gone down".

At least when I phone in and actually get an agent, transactions are the responsibility of the agent and TD can't come back to me as with an online order as it being my problem/responsibility. This is why I, and I assume others as, even before CoVid, you always got the message, "We are experiencing an unusually high number of calls. Your call is a priority and it will be answered in the order in which it was received." Wait times then would be at least a half hour.

On Friday, Dec. 4th, at 2:10 pm, I called to make a trade before 3 pm as well as review my RRIF withdrawal and change its date and delete some accounts TD has listed for me [I do not use a US RRIF but when I click on my Canadian RRIF, its site takes me to a non-used account such as the US RRIF]. At 4:00 I got the message that TD is having technical difficulty and to call back later if I want to speak to an agent. I did so. I called at 5:30 hoping the "issue" would be solved and that there would be fewer callers as the trading day was well over and we were heading into the weekend. It was also a half-hour before the relatively new closing time of 6 pm. At 7:20 [also exactly one hour and fifty minutes as per my first call, I got the same message and was disconnected].

This morning, Monday, Dec. 7th, at 8:30 am, an hour before the markets opened, I again called. At 10:20 am, again one hour and fifty minutes after the beginning of the call, I got the same message and was disconnected.

TD, with all its money, is obviously pretty cavalier about how it treats its clients.
Even before the Pandemic, phoning was an ordeal of waiting for an agent to answer and listening to the same looped music over and over was de rigueur. And that was with better hours for calling. It seems TD feels it can't afford to have enough agents available to answer calls and, during this turbulent time, it has used CoVid as an excuse to shorten hours.

Either TD's new method is to have no agents and try to force us to deal strictly online by having a fixed time limit of one hour and fifty minutes to termination, or I am not the only one calling in and TD is not accommodating us.

Is TD trying to drive us away?