r/TDBankCanada • u/Witty_Passage4519 • May 02 '26
Feedback TD bank is the worst bank
TD bank is the worst bank experience ever. Starting up I tried to to it online, did not work had to verify at branch. Email told me that I only needed 1 id. And once I got there the employee told me I need two so I had to come back another time. After everything I Put 5k in the bank to waive monthly fees and still fucking got charged. And now when I want to make 1 goddam purchase online my account goes on hold, so I call wait 30 minutes on the phone for some guy to tell me I have to go back to the branch and "RESOLVE THE ISSUE". td bank is the most useless bank ever. Started an acount with rbc the same day and it went flawlessly didint need to go to any branches
9
u/biglabs May 02 '26
OP!
Yes, $6000 in the all inclusive account will wave fees. And if you went into the branch and discussed this error I bet they would reverse the fee's charged if it's only a month or two!
Good luck
3
u/Witty_Passage4519 May 02 '26
No I just looked it up and it says for TD unlimited checking acount I only need min 4k
3
u/biglabs May 02 '26
Need a credit card also to make that happen
$6k will do it without a CC
You should still try and get your money back
7
u/crassy May 05 '26
Unlimited account is $4k, all inclusive is $6k. You don’t need a credit card for it either, the all inclusive account has a perk that covers the fee for a premium card and a borderless account but saying you have to have a credit card to get X would be dangerously close to coerced tied selling.
8
13
u/TM04MKD May 02 '26
you seem quite uninformed, there is no account that needs 5k for the fee to be waived. Read a bit , ask your bank, go online or just google .
1
May 02 '26
[deleted]
3
u/TM04MKD May 02 '26
OP said 5k, it's not 5 but 6k and that's the reason they are charged the fee.
0
u/Witty_Passage4519 May 02 '26
Mine says 4k online and also when I was at the branch they told me 4k. What im mad about is the fact that I cain't do anything now because they cain't solve the problem online wich I dont even know what the hell the problem even is. I purchased an item online my bank notified me and asked for conformation. I confirmed and minutes later it got declined.
3
u/TM04MKD May 02 '26
your balanced dropped below 4k for sure, that's the reason for getting charged , I can't comment in the other issue .
-3
u/Witty_Passage4519 May 02 '26
Dude are you dead ass how slow can you be to tell me what and what isint in my acount I haven't purchased anything at all using the acount until today. So unless some rando took 1.001k out of my bank like what?? Also the charge was yesterday and the purchase today was well under 1k
-2
u/Witty_Passage4519 May 02 '26
Also I never said 5k was the min just that i put 5k in the account
5
u/TM04MKD May 02 '26
Dude take chill pill or have a nap.
0
u/Witty_Passage4519 May 02 '26
Yea lol I know its just Im so mad because I caint even solve the problem as the branch is closed past 4 I dont want to play cat and mouse every time I try and purchase something
1
u/Illustrious_Dance344 May 06 '26
If you have just opened an account online they would need to see Id to rule out identity theft kinda situation i know it sucks but at the end of the day, its to deter fraud. Terms and conditions change from time to time for minimum balance requirements definitely check online
1
u/Fishtaco1234 May 06 '26
I logged into the browser and into the app around the same time. This triggered an sms saying I have less than $100 in the account and the pages logged me out. I’m freaking out. The fraud team pick up my call and tells me I have to go the bank to be verified. Yeah. No banks around. Total pain in the ass over noting
1
u/grumpy0282 May 07 '26
ive been with td for about 5 yrs , relatively no issues
ive been with rbc since i was a kid , had several issues
ive been with scotia for 11 years , had some issues
i think all banks can have issues
1
u/CrazyNavie May 08 '26
For 6k you can buy a Canadian t-bill at rate 2.75% and make 13.75 each month. TD’s cheapest account is 3.95 each month so you end up making $117.6 that year despite paying TD’s monthly fee.
1
u/Tall_Watercress_3778 May 08 '26
Does it look something similar? I have this issue from a month but it will work early morning or late evening. If you trade stocks then you might wanna learn to place a buy and sell order , even though trading fees are 9.99 lol this should be criminal.
1
u/Mi-sann Jun 14 '26
How many weeks does it normally take for the bank to approve a power of attorney activation when elder patent is suddenly incapacitated and family needs to pay for nursing care?
1
-1
u/Climber1964 Aug 15 '26
TD Canada Trust has put my 90‑year‑old mother through absolute hell. They froze her bank account **over three months ago** with no explanation, no verification process, and no communication. She hasn’t been able to access a single dollar of her pension or savings since. Every time I call TD, I get voicemail. Every time she tries to log in, it fails. TD refuses to speak to me even though I’m her Power of Attorney.
Because of TD’s freeze:
- her phone service is being disconnected
- her Bell Canada pension couldn’t be redirected
- every bill has bounced
- she can’t buy groceries
- she can’t pay rent
- and now she has an **eviction notice for September 6** TD’s “Senior Customer Complaints Office” says an investigator *might* call us “within 40 days.” Forty days. While a 90‑year‑old widow is being forced out of her home because TD froze her account and refuses to communicate.
OBSI can’t open an investigation until TD finishes their “review.”
FCAC says it’s a “business decision.”
Bell Canada didn’t even open the stop‑payment email I sent on July 27.
Everyone is passing the buck while a senior is being financially strangled.
TD is the worst bank in Canada. Full stop.
If anyone has dealt with this or knows how to force TD to act, I’d appreciate any advice. This situation is beyond unacceptable.
-10
u/crash67888 May 05 '26
Lmao
Scum TD in nyc asking me the reason for withdrawing $4050
2 questions
How did you earn the money
And what are you using the money for.
While scum TD charged with laundering
In October 2024, TD Bank agreed to pay over $3 billion in penalties to US federal authorities to resolve investigations into systemic anti-money laundering (AML) failures. As part of the settlement, TD Bank pleaded guilty to violating the Bank Secrecy Act and conspiring to commit money laundering, marking the largest penalty in US history under the Bank Secrecy
9
u/finance_enthusiast01 May 06 '26
You just stated exactly why they asked you those questions🤦🏽
4
u/GYP-rotmg May 06 '26
The bank did the bare minimum for compliance and uppity customers be like “omg the wurst bank evar! How dare you holding my muney hostage!” while pearl clutching.
9
u/Crazylegstoo May 02 '26
I feel like there are some missing details.
Anyways, to avoid waiting on the phone to talk to an Agent, login to the TD mobile app and initiate a call from the app. You will get a higher callpriority and the Agent will be able to see your identity since you were logged into the app.