AS
Arteen Ssscttoy_456
Dec 30, 2025
have had an account with TD Bank for sixteen years. For the first time after many years, I made an appointment to apply for a line of credit. They told me that I did not qualify for a line of credit, but that I could apply for a loan. I am on long-term disability, but I have never had bad credit. The loan amount I applied for was not high, because I knew they would probably never approve it.
On the first day of my appointment, they checked my credit score and told me it was very good, which was true. They asked me for several documents, and I brought everything they requested. They then told me I needed a letter from the government. I got it and brought it to them. They asked what the loan was for, and I said it was for medical treatment. They then asked for a doctor’s letter. I brought that as well. Then, for a second time, they asked me again for another doctor’s letter, which I also provided.
They spoke to me in a way that made me feel very confident that I would be approved. Two days later, they called me and said I would be approved with a co-signer. I brought a co-signer, but when I went to the bank, they told me that the woman who had been handling my case from the beginning had gone on vacation, and that I would have to wait three weeks for her to return.
Upset and frustrated, I called TD Bank customer service and explained the entire situation to a representative. He apologized for the way I had been treated and told me to go to another branch, saying there was a helpful colleague there who could resolve the issue for me. Despite having a small child and the difficulty it caused, I went to that other branch, which was very far from me. However, they told me I had been given incorrect information and that I had to wait for the original employee to return from vacation and go back to the first branch. They also said they did not understand why I had been sent to them in the first place.
I went back to the original branch and spoke with the branch manager, explaining everything again. The branch manager told me that neither the government letter nor the doctor’s letter had been necessary at all, and that their staff had wrongly sent me to obtain these documents. He apologized and said he would book another appointment for me with a different TD employee, and that if I brought a co-signer, everything would be fine. He assured me that there were no issues with my file and that bringing a co-signer would finalize the process.
Once again, I booked another appointment and brought my co-signer. After that, I was called back to the bank several more times, each time with a different excuse. They continued to treat me as if the loan would be approved and told me that these back-and-forth visits were normal for everyone.
After forty-five days of repeated visits to TD Bank, being misled and played with, despite having a small child, a physical illness, and paying Uber costs, I was finally told that I was not approved. During this process, they checked my credit score and my co-signer’s credit score multiple times, which severely lowered my credit score and caused me significant harm.
I should also mention that the branch manager at the Esplanade branch later denied everything he had previously told me. I filed a complaint with TD Bank customer service, and all I received was an email saying, “We apologize for how you were treated, and we will try to ensure this behavior does not happen to other customers.”
They humiliated me in front of my children and completely wasted my time. All I can say is that you have no sense of humanity. Shame on you. Shame on you.