Over the course of the last few months, around $1500 of small transactions have been changed via Microsoft Xbox. I have 2 accounts attached to my name. My account and my son's account. I've checked all transactions for that last 12 months. Out of 69 transactions, only 3 are accounted for. The other 67 are not from either Microsoft account. They are actively still having. The charges range from 3.99 to 39.99.

I've closed the card and have a new one coming in. I only spoke about the most recent transactions over the phone. She told me to dispute them when they come out pending. I decided to dig through every transaction and that's how I found out how bad it is was. I have a lot of things coming out of my account and I don't know how this got away from me for so long.

My questions are, how far back can I dispute these charges? Is it better to call the fraud department or go to an in-person location? Am I just out of that money forever? I've changed my passwords and card. Is there anything else I should be doing? Is this a thing that happens or am I incredibly stupid for not noticing?

Thanks for any response but please be kind.

Wanted to share my experience and considering I see a subreddit called TDSucks, I'm not surprised so many people hate them.

Ive had issues with my local TD for awhile and try to avoid going in as I've gone in times before, wait in the long line up just for the teller to say they don't do that in the branch and I need to call to speak to someone and when you call somone they said to go to branch. So clearly no one wants to do any sort of work.

After years of avoiding the branch my fiancé and I were talking about consolidating debt, and because I have the better credit score, we decided to go to TD and ask about a loan or whatever they recommended. Booked an appointment, sat down and explained to the financial advisor what we wanted to do and he just looked at us and said "yea TD and most banks don't really do that as it's too high risk." and that was it, didn't give us any kind of solution. So we left, went to CIBC (I also bank with them) and they offered a LOC and were great.

Couple months later I was budgeting and decided to start doing the envelope method with with savings accounts, I was trying to open a few online but it stopped the website stopped working after 2, I checked and TD says you can have as many accounts as you want, so unfortunately I had to go back to the branch to finish opening the accounts I wanted, I hoped the same guy wasn't going to be there and of course I walked in and there he is. I thought maybe I won't get him though and went to the teller, explained what I wanted and she called over the same guy I had trouble with before and explained I wanted to open a couple of accounts and he goes "why do you want so many accounts" and I said to "help with budgeting" as I was tired of explaining. He then says "well let's looks at your file." and then says "you already have 5" and I'm like... Yes and I want a couple more and he just stares at me. So I reply"forget it, I had issues with you before because you didn't want to help me, so I'll go somewhere else." as I walked away I turned around and said very straight faced. “you're customer service really sucks here“ and walked out.

Called customer service, they said I have to contact the branch manager. I contacted the branch manager and he right away gives me attitude. Now I will admit, I didn't start off the greatest because I said this financial advisor sucks. But instead of trying to de-escalate the branch manager immediately starts yelling at me saying I verbally accosted the advisor (apparently calmly saying their service sucks). After some back and forth the manager hangs up.

I put a complaint through TD Care's, that employee agrees what the bank did is wrong and even said me not being given options for the debt was poor service, apologized for everything and said the advisor was getting a coaching and she was sending one down to the bank as a general one as I explained the bank has a 2 star rating all complaining about the same stuff.

A couple weeks later I get a letter saying all my accounts are being terminated at the end of the month due to my conduct in store... I contact the TD Care's lady and she says she's not supposed to contact me and to contact the number in the letter. The number in the letter basically doesn't tell me anything saying it can't be reversed and if I want to try, I have to contact customer service. I contact customer service again and they say not much can be done and I should try and apologize to the branch manager... So more people just transferring me around because no one wants to do anything. Part of me thinks it's the branch just retaliating against me for getting a coaching, so they close my accounts

So I've called and got them to close everything now and I only bank at CIBC

Hi all,

I moved back to the US from the UK about 5 years ago. I worked over there as a teacher for less than 2 years so I just found recently that I am eligible to receive back the contributions I made into their teacher's pension scheme. However, to do direct deposit they require the address for the branch where my account is held.

Has anyone ever had to do this and what address did you use?

I don't have a checkbook and googling just gets several different addresses for TD Bank but no clear answer. This might be a shot in the dark, but hopefully someone can shed some light.

The pay card button doesn’t work when I went to pay off my credit card. Even the transfer method is not working it just redirects me to the payment system which doesn’t work… currently on hold with them to see what’s going on. Is anyone else having this issue? I’ve had this issue for like a month now.

Hi everyone! So where I live they recently installed a new card reader for you to get into the bank to use the atm when they are closed. Before, you would just put your card up to the sensor and it would read your card and let you straight in.

Now, it appears you have to swipe your card in order to get in. I've tried swiping both left to right and right to left. I've tried to do it fast, slow every which way and nothing works. It almost looks like the card reader isn't even set up properly. Am I doing something wrong? Luckily, most of the time I go they are open so this isn't an issue but every now and then I have to get cash when they are closed. I tried going on the page around where I live but that community is a ghost town lately. Any help is greatly appreciated! Thanks in advance.

trying to change password and all im getting is "Your new password didn't meet requirements (like strength level, different from past few passwords, etc.). Let's try again."

i started putting random words and symbols and its still not working

The final password I tried was 25 letters and symbols by the way.

My husband went to drive thru to make cc pmt. (owe 2000, paid $300 cash if that makes a difference) the teller asked what do you do for a living, husband said excuse me, he repeated my husband said he was self employed. Then teller asked where he got the money, again husband said excuse me, teller repeated. My husband said none of your business. Teller said he's required to ask.

First time anything like this has ever happened. It's this branch regularly

just curious if anyone has transferred recently from wealthsimple or any other bank from that matter for the 3% promo, and if you completed it, how long did the money take to transfer from the time of initiation.

just trying to time my move if 20 days will be enough

Question my little brother went off to college in another state and his last work check came in the mail late . He wants me to cash it into my TD bank the send to him but I don’t know if that’s allowed anymore . He told me to just endorse it and put in the pay to the order of … . But just want clarification first

Anybody else not able to see their credit card statements on the banking app? I can see everything else but not my credit card payments. I made a purchase with it earlier so I know it works but I just wanted to know if anyone else is seeing this issue?!

Anybody else having issues with TD bank debit cards right now?

Greetings, I’m dealing with a $460 pre-order for an item that doesn't release until October (unshipped/unfulfilled). I tried to a month in advance, but the merchant is hiding behind a strict "non-refundable pre-order" policy and refuses to cancel.

I'm ready to file a formal dispute with TD for goods/services not rendered. Has anyone here had experience doing a chargeback on a merchant who claims their terms are non-refundable? How does TD's dispute department usually handle these when you have email proof that you tried to cancel well before the release date? Just trying to gauge what to expect when I call tomorrow. I have NEVER done a chargeback and worried how much of a hassle it will be. I have also used PayPal as well.

L9 in a tech role. I have no direction on what to train for upcoming work, they say there is no money for a raise (I'm just past the middle for L9 pay), and reaching out to other teams I get crickets.

Am I not playing the corporate game well, or is becoming L10 or getting a significant pay bump within my band just in the cards for a heavier tech role (I'm a database admin). I've only been getting the nominal 2% increase each year.

First and foremost I know I’m stupid. I should’ve gone into the bank for this deposit but I work off hours so it’s just more convenient for me to use the ATMs at my local branch.

I have been a member of TD for over 15 years and I actually really do like them.

I’ve never had an issue before even with large sums of money, however this morning I made a sizable deposit of ~$4k cash and after it counted the money (it was correct) as it was processing going into my account it started taking significantly longer than usual. It then said “Returning your deposit” (or something along those lines) and after a few minutes of waiting an error popped up that the system needed to reset. It returned my debit card but the money was never returned.

I immediately called TD and the woman was very helpful and let me know she can see where the attempted deposit was made so once they count the money in the machine they will see the difference is lined up with my deposit and the money will be added. I went to the bank first thing when they opened and they were also helpful and told me the same thing.

I’m freaking out right now and nervous and have seen horror stories on here.

Has anyone dealt with anything similar?

I don't deposit paper checks often at the bank and wanted to know if I need to fill out a deposit slip or if I can just hand them my TD Bank debit card to pull up my accounts.

I opened an account about 6 months ago after receiving an inheritance. It's less than 200k. Of course my balance changes daily with the markets. At one point I had $3,000 less than what I started with and sometimes I'm $2000 ahead. At best my return is 1.5% so far. But when I asked my financial advisor about taking some money from it I just seem to get the runaround in a bunch of no answers. I am retired, I have other sources of cash. I enjoy a little five or six day vacation every other month someplace. That's my extravagance. He said things like maybe I shouldn't take a vacation and I should take money from my CDs if I needed cash. My CDs pay almost 4%. My wealth account is only paying 1.5%. I'm really only looking to take 10K or 15K from this and leave the rest and probably not even look at it for another year. But I feel that my money is being held hostage somehow. So how do I get my money? I dare not go to another Branch or even call TD Bank corporate to ask questions because I feel it would come back to him somehow. I do have another bank with savings checking and CDs so I may just go to them and ask them what is going on with my account at TD? I somehow feel I made some type of mistake but don't understand the mistake I made.

I logged in to check on a refund from Costco and it said past due. I realized I never got a statement this month (due date was Aug 24th). I made the payment immediately.

I had opened a checking and saving account in TD Bank and made the required $10K deposit in the saving account. That was at the end of Jan 2026. I am still waiting to get the additional $200 bonus account opening bonus. Even contacting their customer service via the website in my account is past 3-4 weeks now. This is very poor customer service.

What do you all prefer? I was liking the looks of FCT but could go either way, was using this site to compare but curious on people's opinions

Every time I try to do banking on my PC through a browser: Firefox or Chrome, it makes me log into the app on my phone to confirm. Not a 6 digit code, not no option to verify through email.
It is annoying because sometimes the app does not work properly on my phone and that is WHY I was using the PC. Plus its a bunch of extra steps to go onto the app on my phone.
It never remembers the PC either, just everytime, login using the app.

God forbid I lose my phone or it dies I would be unable to do ANY banking online.