Review Time
TD Precious Metals
Significant shipping delays (often exceeding 30 days), poor customer service communication, and tracking issues for online orders. Don't ever buy from them, very frustrating
I have been a TD customer for 20+ years. During this time I have not diputed a transaction. However, in June 2025 I disputed a "Spammy" company. This company withdrew money from my Visa card, on a Sunday, against my wishes, and, without my consent (when I was supposed to pay on the Monday). When I saw the items, they were nothing like the online published photographs. The fraud department at TD called this "Spammy" behaviour, and advised me to ask for my complaint to be escalated. To me, this is definitely dispute-worthy. However, it is not dispute-worthy, according to TD dispute office. The young-sounding male manager in that office, said they couldn't/wouldn't do anything. I am closing my TD credit card. Awful, terrible, customer service. The dispute office needs an overhaul, and, some training sessions in dispute management, and, in customer service.
I've been a loyal customer for over 20 years, never complained, and always believed that long-term clients would be valued. Unfortunately, it seems that's not the case.
I understand that the company may prioritize those who voice their complaints, but what I cannot accept is the lack of respect and the humiliating treatment I received at their branch. The quality of service has drastically declined in the past year — the staff are rude, unhelpful, and more focused on rushing customers out than resolving issues. There’s a noticeable absence of urgency or effort to assist.
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The issue at hand:
I ordered precious metals online for my son's birthday, having enjoyed a smooth experience in the past. This time, delivery was promised within 5–15 business days, so I planned accordingly.
However, 20 business days went by without any updates.
No notification of delays.
Not even a courtesy email.
When I sought assistance at the branch, it became the most frustrating part of the ordeal.
The teller:
• couldn't answer basic inquiries
• kept repeating “delivery is 15 business days” despite me explaining that it had already surpassed that time frame
• frequently responded with “I don’t know”
• appeared annoyed by my requests for clarification
• only checked my account after I insisted, yet still had no information to provide
Imagine spending over $500, with the money already taken from my account, and the bank has no idea about the order's status or delivery timeline. If a customer is late on a payment, they incur interest. But if the service fails to deliver — there’s no accountability or apology.
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A week later…
I finally received an email stating the order was delayed, along with a $20 credit for a future purchase.
It's laughable. Why would I consider ordering again when they can’t even guarantee timely delivery?
The email didn't include an order number, and with four orders placed around the same time, how am I to identify which one it pertains to? They blamed external factors for the delays, but tracking shows the package never left the company's warehouse. It’s another disappointment.
They also mentioned that the branch would reach out once the order is ready, yet I never received any confirmation about the product's arrival.
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I've never shared my experiences online before, but this situation feels significant enough to warrant attention. It's disheartening that such a large institution fails to invest in enhancing customer experience. Loyalty means nothing, politeness is overlooked, and being a long-term customer results in frustration rather than service.
At this point, I'm seriously reconsidering my decision to stay with the company.
The customer service is unacceptable—rude, disrespectful, and entirely unprofessional. The representative raised their voice and used an aggressive, inappropriate tone. Additionally, their services, ranging from banking to insurance, are excessively priced. I will not be engaging with them again, and I advise others to steer clear as well.
I recently obtained a credit card and wanted to check the charges by creating an account with the app. However, the app wouldn't let me create an account and directed me to call their phone number. When I called, they asked for specific transaction details, which I struggled to provide without access to my account. Their solution was to visit a branch with identification, which seems outdated. After finally recalling the transaction and calling back, they informed me I could not be authenticated, and I couldn't speak to a manager. I intend to cancel all services due to this horrible experience.
The customer service I encountered was appalling—rude, disrespectful, and entirely unprofessional. The representative raised their voice and spoke to me in an aggressive manner. Additionally, their services, whether banking or insurance, are excessively priced. I will no longer be engaging with them, and I strongly advise others to steer clear as well.
After being a customer for years, I encountered a frustrating situation. I paid my energy bill early, but my provider mistakenly attempted to withdraw funds again, resulting in an NSF fee. They advised me to contact the bank for a refund, but after much discussion, the bank refused to return the fee. Each time I expressed my dissatisfaction, the representative sighed and put me on hold. Even with proof of my timely payment, they still declined to refund the fee. This experience has left me extremely frustrated.
The authentication app is forcing me to authenticate in a way that is broken and ineffective. I've struggled to log in for months, facing errors despite being a member of their services. After waiting on hold for support, I was told it’s a known issue with no resolution in sight. This has made accessing my account while traveling extremely difficult.
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The Toronto–Dominion Bank is a Canadian multinational banking and financial services corporation headquartered in Toronto, Ontario.
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