TD Banknorth / Lied to by several different departments
I've been a member of TD Banknorth for 5 years.
Approx 3 months ago I was laid off. I have several "Direct Payments" that are taken from my checking account from a few different companies. Having no income meant that eventually I was going to go into the negative- this was inevitable.
I called the Bank North 800 number to see if there was a way to "lock" the checking account so it wouldn't grow to an amount that was unmanagable- At this point in time the account was negative 400 dollars. The woman informed me she could not do anything on her end however if I called my branch manager they may be able to do something. I called my branch manager and he stated it was "impossible" to lock an account though he'd be willing to work with me in regards to the overdraft fees accrued when I was able to find employment. Having no options I said "Okay, I'll be in touch" and left it at that.
A few weeks later I started getting calls from services such as Verzion and Vonage telling me they were unable to take payments from my checking account. I immediatly logged into my online checking to see that it was negative 800 dollars. I called Banknorth and the woman I spoke with told me that my account was now "locked" due to my financial situation and credit status. I thought this was odd since I had been told by a branch manager this was "impossible". Again, having no options I thanked the bank rep and got off of the phone.
Today I got a job offer!! Finally! After recieving my job offer I logged into my TD Banknorth online account to see the status of my checking account and it was GONE. I called TD Banknorth to see what was happening with my checking account and they told me it had gone to collections. I was in utter shock that it had gone to collections simply because I was never informed the account could or would go to collections. I asked to speak with a supervisor named Melissa who was extremely rude and was unwilling to hear what I had to say. In short, the supervisor named Melissa essentially told me that I was wrong and nothing I said was true. I was then given a number to the bank's collection department.
Unfortunately the collection department I needed to speak with was closed and I will need to call back tomorrow. I was explaining my situation to a woman in a seperate collections department and she was very sympathetic and she was 100% more polite and understanding than the supervisor Melissa. I explained to the woman in collections that I was befuddled by the fact that I hadn't atleast recieved a phone call in regards to my account going to collections at which point she told me they did make several attempts to reach me. I asked what telephone number they were calling and they gave me a telephone number that hasn't been connected to my house in over 4 years. This is surprising because I updated my contact number when my origional number was terminated, and I also updated my telephone number when I switched to Vonage. Apparently folks in the department I called were not doing their jobs.
Obviously I have been lied to left and right from all levels of Banknorth- from customer service reps, to supervisors, to branch managers. I hate to use the word "lied" because there is no direct benefit to any individual I spoke with for them to give me misleading or untrue information.
Simply put I believe this bank has grown to large and is starting to unravel from the inside out. I recall when I first joined this bank and it was a great place to save your money, unfortunately now there is a major lack of internal communication.
I do plan on paying off the checking account and then closing it. I also plan to close my savings account.
I will be opening new accounts with a much smaller, customer service oriented bank in my area. I suggest currect TD Banknorth members do the same.
I will leave you with this...
TD BANKNORTH SUCKS! STAY AWAY!
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