TD Bank
Reviews and Complaints

so aren't mostly all other banks -

Banks are NOT ALLOWED to take Social Security out of your account to pay charges they say you owe. In fact, even if they go to court and get a judgment saying you owe XYZ Co. $100 (or whatever) ONLY money you owe to an agency of the federal government can be taken out of your check. If the only money you had deposited when they cleaned you out (with the possible exception of amounts you deposited in a good-faith effort to bring your balance out of negative) was from your Social Security check, they violated the law. You can probably get it back with a simple small claims case (be sure to insist they reimburse you the court filing fee when you win) but you could also get a lawyer who would probably be happy to pursue damages, pain & suffering, etc. so that you win enough to cover your attorney's expenses. You can also try contacting your representatives in Congress and/or your state legislature to let them know how this bank treated you, as well as your state's Attorney General to see if they'll investigate -- banks are under increased government scrutiny these days -- and maybe also local media, with your poignant story of being a widowed mother doing her best and being abused by the evil bank. What Banknorth did to you is not just shameful, it's literally CRIMINAL.

This just happened to me. I chose the option not to have overdrafts when I opened my account.. Both my husband and I have a paypal account in which charged my card instead of his. This created over $200. in over draft fees. The transaction should of never went thru. It should of been denied. It is a week and half a way from Christmas and I can not buy the few gifts I wanted to because of this. I make little money so I keep a close eye on my account balance. If I would of known this in the beginning I would of never opened an account with TD Bank! I see many others have had the same thing happen to them and they signed a petition. Does any one know where this petition is? Is there anything I can do to fix this? This is totally horrible. Like I said, I make very little money and I work very very hard for that little money. If someone knows there is something I can do, please email me with the info. (Thanks) nickel421970@gmail.com and my name is Nichole.

I am so discusted with the overdrafts TD bank charges every pay check.I WENT ON VACATION TO P.R. and went over a dollar when I got back I had an overdraft of $300.00 I advice everyone to close your account at TDbank and find a real bank who cares about their customers. T=TOTAL D= Discrased.Employees all they do is free load coffee from male customers and giggle all day.I even saw one selling candy for her child's school on working hours while the line was almost outside.another TD bank employee told learn how to handle your money if you don't like our overdrafts imgine that!

Somehow, I am being charged $25/mo. when my business checking falls below $1, 000 and $25/mo. what a personal checking falls below $100. Whining won't change their practices. We have to find a bank that behaves better. So who is that bank? I have gotten a copy of the Business Fee Schedule and Personal Fee Schedule from TD. Now I must do a comparison against other banks to find a better answer.

What banks should I investigate?

Hello All,

I am in the process of closing my account with TD BankNorth. It's a hassle but it would be foolish for me to keep paying them excessive fees. Here is the comment that I sent to their organization:

My suggestion is that you stop charging $15 per month for a "Simply Free Checking Account" (that was the account's previous name) when a customer's account drops below $100. It is a shame that your organization is taking advantage of struggling people during a recession with your excessive fees. I hope that your image is affected by all of the negative reviews that I am reading about your organization.

My fiance and I have 3 accounts with TD Banknorth and a car loan. We went and opened an account at a new bank and will be closing our accounts this saturday. Because we have 3 accounts that means we lose access to $300 since we need to keep a minimum of $100 in each. I called the Bank and the woman told me there are some changes going on since Commerce Bank bought them out and that I could change my account to an account that charges me a standard fee every month and allows a certain amount of checks I can write and blah blah... I'd had my original account since before it was TD Banknorth! I have direct deposit, which for lots of banks means no fee checking account! What? I agree with Mydogralph, what an AWESOME time to be keeping people from being able to use their own money?

I'm closing all 3. I know I'm only a drop in the bucket to TD Banknorth and they really couldn't care less...too bad.

Exactly what happened to me. TD Banknorth robbed my account $15.00 too. Image the money they are making on us honest customers.

I've had the most horrible experience with this bank. I kid you not.

I received a letter last week stating that I was in the hole for over one hundred and fifty dollars. I checked my account and discovered that as of Thursday, that amount increased to two hundred and eighty dollars.

I went to my local branch and had the displeasure of being taken cared of by an extremely arrogant young person who basically told me in so many words that I did not know how to balance my check book and that he would credit my account for the two hundred and eighty dollars but "going forward, " I'd have to be a bit more careful! I repeatedly told him that I carefully monitor every transaction and do not charge or debit anything that is not in my account.

He would not listen. I was angry but happy to get my money and just left.

The next morning, I am expecting to see my money and nothing. I checked several times and nothing. I finally go back to the bank and speak to another young man who was also smug and arrogant. He accused me of " using services, " that had no right to! He practically accused me of charging/debiting money that I didn't have in the bank.

I got two statements from him. And I found a few interesting things: the first that they charged me twice for THREE transactions and that instead of two hundred and eighty dollars; they were supposed to credit me for three hundred and fifty. I am so furious. I live from pay check to pay check and this is killing me.

Further more, I called earlier to the customer service line because the bank was closed and was disconnected three times. I kid you not. I am on the phone right now (on hold) to speak to someone who is really not going to be of any help.

I am angry because there seems to be some type of problem with upgrades that they made to their system and they refused own up to it and instead chose to hide their issues therefore putting the customer in very precarious positions.

I am very angry and am seriously considering closing my account.

Probably posting someones name was a little rude yourself. Maybe complaining at the actual branch would've done more justice. Good luck.

I am having a lot of problems with this bank. I do not know who made this site, nor do I know who reads it and if there is anyone out there who is seeking feedback. Assuming there is, I would like to share the following:

As an experiment I called TD Bank five times and spoke with five different customer service represen...tatives. When asked why I was calling, I said I wanted to find out how to close my TD Bank account and leave TD Bank for good. Not one person on each call questioned why I was leaving or even said they were sorry to hear this or even ask if there was anything I could do. I was shocked. Some of them were even rude.

My issues span from complications with their system to poor customer
service to no longer being able to directly deposit a business check
(they are now not ready until the next business day) to not even being
able to transfer money online from my TD Bank account to a family
member's account who is also using TD Bank. They ...don't use that
technology or system but "purport" and claim to be "America's Most
Convenient Bank."

My advice? Don't tell the customer service people on the phone about
your woeful experiences. They may not care because they have been
bombarded by other customers having the same problems as you. They are
also probably getting treated poorly at their jobs. Go higher up the
food chain and hopefully, this bank will change some of its policies
and turn around. I am not optimistic, however.

Mamie Prout

[protected]

Assistant VP of Customer Relations. Call. Tell someone who can change something.

I never write reviews, but honestly this one is a doozie.
I like my bills to be balanced like any good person. I have a card with Ashley Home store that has a payment due on the 9th, that's bad, because I asked for the 15th explicitly. This leaves my 1st fortnightly check spending money $300 short.
I went into TDs account access number to re do my credit card payment with Ashley Home store. This was not explicitly said not to do.
They told me they'll switch me to credit
So I did
They gave me the number for the Ashley Store card.
It said to go online to WWW.onlineaccessplus.com
Entered in all my info correctly, even checked my husband's dog tags and other info with my mother in law.
They said they didn't get it.
They said call customer service. I used an old hack where you press zero to talk to an agent. All systems are down and they won't be up till Tuesday. Like what the actual [censor]. Why would a major bank subsidiarity close on a weekend?

Ongoing and endemic corporate culture of client exploitation. Ignore the client, steal hours of your time, give you incorrect information, if at all and then insist that you be thankful for the privilege of working with such an egregious self serving institution. WORST BANK IN NY! Melissa Hayes and her 3 supervisors deserve to be ousted.

The TD bank in Broomall has the rudest people working there. They are not helpful. I thought that their motto was "the convenient bank", yet they are not at all about making things convenient. I will never bank there again. RUDE, RUDE, RUDE

I also was a satisfied customer of Commerce Bank. Got nervous when it became TD. Had every reason to feel that way. I have a "laundry list" to show it. The worst part...you can't complain when mistakes are made (and they are made all the time) the Manager and Assistant manager get defensive and nasty, if you ask WHY, WHY did this happen. I can't wait to close my account. What a bad experience! No loss to them, of course. But, they shouldn't be out there causing frustration, stress, pain and suffering. Shame on them.

I just open an account with TD BANK 2 weeks ago, I was able to open the account with $250, this weeks I took my coins into the the Bird Road branch and I used TD BANK, Pennie Arcade service, you drop your coins they give you a recipt and you can cash it or deposit the monies. On Tuesday I deposited $1, 027.32 in Quaters, Dimes, Nickels and Pennies...no problems at all
I return the next day with about $700 in dollar coins I have been saving aside for a rainey day, I started to use the change machine again I was approach by Erwin Bastian and ask me if I was a business account holder, I sai NO, I have a personal account, then he ask me if I was a coin collector, I reply NO, it was coins that I have been setting aside for a rainey day, Mr. Bastian told me that I could not continue to enter coins into the machine because that machine was for people with "small piggie banks" and that they didn't want the dollar coins, I explain to him that I was going to deposit the money into his bank...he refused my coins and told me with an attitude to cash in what I had put in the machine already and NOT put anymore coins.
He totally refuse my money, How can a bank refuse a deposit and have someone with an attitude serving people with a "Assistant Store Manager" title to his name.
I got so upset I threatting him on closing my account and he didn't care, he ask me for my drivers license and asked me if I wanted large bills or small bills of the money I had in my account, He didn't care about loosing a customer without knowing if I'm a wealthy person or a poor bastad!
What a shame!

TD BANK is the worst bank I ever had to deal with!
DON'T EVER GET A MORTGAGE WITH THEM!
- Unknowledgeable staff - don't know what they are talking about and all the employees assisting me had to get their manager to sit with them
- I got stood up by them after driving 2 hours through a winter storm to get to my appointment ON TIME!
- They do not reply to your emails nor calls in a timely fashion - usually 2 to 3 days
- I feel bulied by them just because I am locked into a contract! But when it's over, never again!

Awful awful awful. As soon as they switched to td bank, what a nightmare. Customer service is the WORST. Worst than dell. Even their supervisors read off of scripts "oh were so sorry"...um no your not or you would fix the problem. How do companies like this stay in business?!

That machine is designed for personal use and for what you are saying you are a coin collector. Why would you bring in the money in different days? And nobody just saves dollar coins, the service they offer is great, just because you tried to take advantage of their system and wasn't allowed to do so doesn't mean they have bad service.

And a typo on my part, its 'speech' not 'speach' like i wrote it. Anyways, I'll add to my point, all banks are bad. The same reason everyone has horror stories lending or borrowing money from friends or family, should make it no different when you take from a bank.

The goal is to have enough money where the bank is paying you and you pay them nothing. Every bank, has some option where that is possible, in canada, they have minimum balances where they waive fees. You can use your credit card and make payments in the states free of charge and if you pay before the 21 day cycle is over its no interest. But people choose, that's right choose to pay fees.

Those are some tips.

Do some research at your local bank and you can save your money.

If its 'free speech' then wouldn't that constitute me having a right to express my opinion as well? The very thing you accuse me of is the same you are doing. In fact if you read my post, I gave many outs saying that if you acted accordingly then the bank is wrong, however, if you don't have patience and are rude or arrogant, its a human on the other side that can make mistakes. Just like you and me.

Its called Free speach and its a constitutional right to express it, and when I did it, after someone else you had an issue with it...interesting how free speech only works one way in your world.

Right its the bank's fault...LOL...

I"m never going to use TD Bank again. I had started a $100 savings account..they took out $1 and then continuously ripped off $15 a month till it dwindled to nothing and said I started having overdraft Fee! They know this works to get your money...they figured it's not enough for you to complain about.

They will steal you blind.

Don't use them!

On May 28, 2012 I went to the Leslie St. and York Mills branch of TD Bank and deposited thirteen, one hundred dollar bills ($1, 300.00). The next day I received notice from TD Bank that I had deposited six hundred fifty ($650.00).
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I went to TD Bank and asked if I could see the video since I am sure that they are mistaken. I was not able to see the video. I subsequently called the branch and asked to speak with the manager but was told he was busy and that he would return my call. The manager did not return my call.
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On July 9th, 2012 I received a call from TD Customer Care and was told that the investigation revealed that I had only deposited $650 and not the $1300 I claim. I argued that that was not correct and that I know how exactly much I deposited (because this money was from my friend, when my friend gave the money, I counted 2 times), when deposited to the green machine, I counted it three times prior to making the deposit. I asked again to speak to the manager and again I was told that he is busy but would return my call. He did not return the call.
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A few days later, around the end of June. I called the branch again and asked to see the video. I was now told that I require a letter from the TD Bank outlining the result of the investigation.
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On July 2nd, 2012 I called the bank again and requested the letter outlining the result of the investigation and they said they would send it the next day.
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On July 7th, 2012 I had not received the letter so I called and asked if they had sent the letter because I need to take it to the branch so I can see the video. They told me they sent a letter to me on July 3rd.
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On July 12th, 2012 I had still not received the letter so I called again to ask if they had sent the letter and I was told that they sent it on July 9th, 2012.
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On July 18th, 2012 I had still not received the letter so I called TD and was told by a manager there that a memo or some communication would be written so that I would not require a letter to go to the next step which presumably would be, viewing the video of the transaction.
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After this phone call, I went Leslie St. & York Mills Rd TD Bank told the branch manager that I wanted to take the investigation to the next level. She gave me a brochure with an email address and told me I could write a letter of request.
On July 25th, 2012, I sent a letter to the email address provided by the branch manager. I waited until August, 15th, 2012 but no one contacted me. I called TD about going to the next step of the investigation and they told me the case was closed. I asked the case closed should let me know, why did not inform me, please write a letter to me, I want a letter from your TD Bank.
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On Aug 20th, I received *a letter from TD Bank. This is the only letter I received from TD about this matter and this letter is attached.
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My goal is this:
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-********* Simply let me see the video of the transaction. A few minutes of time and the matter will be resolved. I can’t understand what the problem is. If the bank is so confident in their claim that I deposited only $650 then the video will quickly reveal the truth *for all to see.
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Unless they have something to hide, I don’t see any reason for them to refuse this request.

My friend told me: do not go to court, because TD have a big group lawyers, it is difficult for me to win the case. But I am not afraid it. I want find out how can hundred dollar bills changed to fifty dollar bills and who stole the money.

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First I would like to say that Pain, you a an a-hole. I have been in upper management and it's amazing how fast you can fall if your company closes or anything else happens. You should be more respectful or keep you mouth shut and your hands off the keyboard!

I too have a problem with TD. My wife and I opened our accounts with this bank, as our credit union didn't have good hours or a lot of locations. Within a week, small fees started popping up for all kinds of little things. Then, when they had their computer issues, all of my scheduled payments were not honored, and the computer did not know our balance, so it bounced my rent and vehicle payments. Then, they had the gall to charge me $35.00 per transaction, plus a $35.00 fee per day for "continuous overdraft". We were most certainly NOT in overdraft, and we had the money in the account to cover our bills, until the fees kept tacking on. Next thing you know, my rent check was not honored, and my development charged me a 100 dollar bounced check fee, a 10% late fee, and a 35.00 administrative fee. I explained my situation to the manager at the branch where I opened the account, and they did NOTHING for me; even when they did refund $170 fees from faulty OD charges, they made it seem like they were doing me a favor!

Now, I take 800 dollars in the branch, and use that towards my certified check for rent (plus the 4.00 fee). After this transaction, I calculated my balance to be around 1400. When I looked at my receipt, it showed a balance of over 6000! I immediately questioned this, and the teller, with the manager right there, told me it was from my line of credit. I informed them that I did not have a line of credit with them. They responded that it looks like it was there from when I had my old account with Commerce Bank a couple of years ago. I asked to have that noted in the computer, that I still had a line of credit, so I could see it online.

Fast forward two weeks, to two days ago. I got a call on my cell phone from a guy who said he worked in the "back office" and he is investigating how money from a Florida account got linked to mine. I used to live in Florida, but did not use Commerce there. I was a victim of ID theft while there, so I wasn't sure where he was going with this.

At that time, he said he would get back to me, with what is going on. For two days, I did not hear from ANYONE. Today, I went to my local office, and asked for my account to be closed, as I was sick of all the fees, computer glitches, and headaches, so I already moved to another bank. The CSR and Manager told me my accounts would be closed, but I was -1200! I said that was impossible, and they need to find out what is going on!

When I got home today, my wife, who used to work in the banking industry, asked for the closed account receipt. When I said they never gave me one, she matter-of-factly said "well then, they didn't close the account."

I called customer service to confirm the closure, and get the receipt, when I was told that not only was my account not closed, it "was impossible to close the account in this state". I was FURIOUS, and wanted to speak to whoever this guy was that was "doing an investigation" and find out why he charged me, and why he didn't call me to state his intentions! The customer service rep on the phone was no help, so I insisted on speaking to her boss.

When he (Chris) got on the phone, I immediately became aware of his attitude. He said I was responsible for this money. After almost an hour on the phone, yelling at each other, he began to realize that the bank itself had made a lot of errors in charging me fees, not refunding fees from the computer glitch, and now this. I was assured that in three days (Monday) I would get a call from his boss's boss to figure out how to handle the past and present situations. I will keep you all posted, but word for the people considering TD; do not go here! Go somewhere (anywhere) else!

This has been a most humiliating experience for all involved. The customers are livid because of money disappearing and reappearing, transactions not posting, fees, fees, and more fees, and the list goes on. The amount of time it is taking to rectify this situation is INEXCUSABLE! All customers should be compensated on some level, besides having fees returned. I had to put a stop payment on my rent check, and pay in cash because the bank not even for more than an hour at a time could maintain the correct balance in my account. We withdrew all of our funds and let the accounts zero out for 24 hours as not to have any more discrepencies. Needless to say now I'm going to have to reimburse my landlord the return check fee for his bank. Humiliating! If we didn't have so much attached to these accounts that we used to be able to depend on, we would have closed them in a heartbeat! Not for nothing, but we opened a TD account to get out of Commerce, because we had nothing but drama with them. KINDA' IRONIC, ISN'T IT!

This bank has numerous complaints in regards to how it treats it's customers and its scams. It can't even credit a deposit for the same day that it is made at a main office ! Their OD fees are way above everyone else and they think of nothing to"steal" your whole paycheck because a check that cleared put the account into - $0.10.Yup you got it neg. 10 cents.OD fee of $35.00 because went below 0.00 and another $35.00 because the account was over drawn and so forth till the whole check of $350.00 was gone.Think this is a lie? It happened to a friend of mine.
In regards to Pain---- apparently you won't fully understand and appreciate the scope of horror about this until you're sitting on the side of the road without a job(either due to injury, the boss just fired you or the company just closed etc) the collectors are banging on your door and the bank just issued you a forclosure notice.Then you're sitting there trying to figure out where you're going to live and how you're going to eat because either the insurance company refused to honor your claim or the company refused to pay your unemployment claim.(they now do this too)Or how about going from $1000.00 per week for the last 5 years to present day $220.00? It's always amazing how shallow some people can be.
Beware everyone------TD Bank or TD BankNorth IS a RIPOFF !

I'm sorry but I have to say that Pain, count your blessings that you can save and make enough money to be able to save. Dont put people down that live paycheck to paycheck. Just because you make decent money and are probably some big corporate mongrel don't make you any better than the rest. Its just that you make more money and thats it. The fact that you are on here belittling people shows me what kind of person you truly are. You can have all the money in the world and be a total creep, so tell me is that a good thing? You remind me of one of these people that go to work collect a fat paycheck for doing nothing but sitting there while the rest work their butts off for the small salary they receive. To make the remarks that you did you are defiantly some big wig that gets paid a fat salary for doing nothing. I know your kind all to well. Oh and by the way I do work 5 days a week dont drink and do live paycheck to paycheck. Does that make me a bad person no actually it makes me a better person because I work for every cent I make and I have compassion for others. I know what its like to struggle. Im sure your one of those little rich kids that mommy and daddy spoiled and you landed a great job through your daddy or a business that your daddy bought for you, oh yes I know your kind well. Maybe there is a God and you will get laid off lose everything and see what it is like to lose your entire worth. You really need to take a long hard look at yourself you really are one ugly human being.

Even if that were to happen, its why you don't use your credit cards for everyday purchases, only real emergencies. Or purchases you don't want to make with a ton of cash. But if you go everywhere and use your credit and then don't pay the full balance at the end of the month you are obviously living beyond your means. First you have to realize its not the banks fault, its some fraudster out there who is trying to steal your money and the bank has to go through its investigation period to return your cash or every yahoo who wants 200 dollars will go in claiming they have been 'robbed' Bank didn't rob him at all. That's the only reason I was harsh on him.

ANd really, those of society who are living paycheck to paycheck, next time you enter a "variety store' or go out to eat or buy alcohol, think why it is you are this way, and blame yourself not others...you are indulging in your wants and then hope karma gets back at those who are frugile and living within their means and paying their bills.

I hope one day karma bites you back. One day you might only have $200 in your account then you can see how the rest of us live.

The fact that you only had 230 dollars speaks volumes about your financial situation, had the same thing happen to me, just moved over some cash from my savings and a week or so later got my money back, only people to whom 200 dollars is everything is this a reason to switch a bank. The, 'rather rude' remark is because how dare someone steal your entire life's worth...

LOl..

Heres my story.

I started with commerce bank way back when. The service was exceptional!
I was very pleased with the level of service with commerce. Well all that changed about a year after they changed to TD.

Customer service blows now! The branch now hands everything off to the call center where you are put on hold for very long times and have to re-submit your identifying information to the next operator.

Lately while in Argentina my card stopped working despite having a permanent note on my account that I am a pilot and travel extensively and not to shut it down for suspected fraud.

They shut it down anyway. Told me I needed to come to a branch and get a new one. Being in Argentina for 30 days made that impossible. I have a second personal account so I figured I could transfer funds from my business account and use that atm card. NOT!

The online system would not allow it. Transfers worked many times before now it won’t allow it. So I have to take cash advances on credit cards to feed myself.

Additionally about two months ago someone cloned my atm card in Colombia and charger 6000 dollars in goods. I called the fraud department and they credited me 4000 immediately but told me I would need to wait up to ten days for the remaining 2000 to be credited to my account. It’s been almost 60 days now and im still waiting despite many phone calls!

Now they tell me the person who is handling my investigation is on vacation till October 16 and I will need to wait till she gets back before the investigation can proceed. WHAT! I could not believe what I was hearing. You mean to tell me there is no one else who can handle this matter. Incredible. They also told me they never told me it would be 10 days for them to credit the final 2k.
BOLD FACE LIARS!

It’s a shame the idiots in TD management didn’t realize why commerce bank received so many new customers in the short time they were in existence.
THEY LEFT OTHER BANKS BECAUSE OF ### CUSTOMER SERCVICE! AND NOW YOU’RE DOING THE VERY SAME THING!

TD is not nearly as customer oriented as commerce was. Im changing banks again as soon as I get home.

Bill Sample

Its funny how only people living paycheck to paycheck have this issue, I'm with 3 banks, and will only go to a fourth when my FDIC limit is reached in all my accounts within each institution. I have noticed issues with each bank, but it never concerns me because I actually know what is in all my accounts at all times, and if one bank is down, I just pull out the access card for the other one. Most examples of people who I see are failing are the ones who are living beyond their means in one manner or another. And when something happens, put blame on the bank. Look no further then yourself, the mistakes the banks make they fix, and sorry normal people do not lose their cool and start shouting and yelling, uneducated idiots do that. Yelling never helps, it is a person on the other side, making a living just like you or me. If they are unable to understand or unable to help, hang up call and speak to another person. Don't try to put yourself in with us normal people, its insulting...

LOL...

They should not be allowed to get away with the [censored] they pull on their customers. They make millions of BS fees every year. Most the time, it is their incompetent workforce that is responsible for the errors. Then after waiting 30 minutes to speak to a representative on the phone, you get told you are a liar, then told to go to the branch to speak to someone. Then you go to the branch, and the person who insisted when you asked if they were still on the same banking day swears they never told you that. Then you're FUC|

I have an old gift card for $250 that was partially used. I recently went to check the balance (was $100+) and the person on the phone I finally reached via the number on the card said it is no longer on their books!

She also said the monthly fees must have exceeded the balance, so the card is worthless!

I started banking in my town with Bank of Boston, then Family Bank, and then I believe Banknorth bought them. I have paid thousands of dollars in overdraft fees over the years.

Do people realize they are from Canada? They are probably just laughing at screwing all us Americans.

People have told me "Ah, all the banks are the same" so I haven't done anything-but I absolutely must change banks.

I'm beginning to think TD Banknorth gets away with more since they are based out of Canada. It seems a lot of laws do not apply to them. They are raping Americans and getting richer-and the US government does nothing about it.

Even the turnover in my local branch has been a problem. Everyone good leaves. I guess they force people to work Sundays and cut their hours so they no longer qualify for full time benfits. It seems they do offer good part time opportunities for younger people who might still be college, but they have screwed some of the long time employees.

Simply said, they suck. I don't dream of winning the lottery since I never play, but I do dream that some day the government will put their foot down on Banknorth, and a real class action suit will get going. My dreams ends with that I end up getting thousands back they have screwed from me. That would be heaven.

When the hell is this law about overdraft fees going to be passed?

TD Banknorth needs to be called before congress and answer to their practices.

its a procedure, i been going to same TD bank for 8 yrs and known the teller for 6+ yrs and they still ask for an ID whenever i withdraw over $1000+

I work for TD bank and I can say that you were not treated this way because you were black. It's standard procedure that withdrawals and checks over $1000 need approval by a supervisor/managment because it is over the tellers limit. They should have explained that to you before asking you to step aside or even before the teller walked away from the teller line. I can assure this was not an act of racism. It is the same procedure that is followed for all races.

@Pain:

I understand that there are some out there who do not believe that racism still exists. The problem is, most of them are white and have never seen, payed attention to, or experienced racism first-hand. As an African American woman whose fiance is a 6'1" dark-skinned male of stocky build, I observe it all the time.

OK, he could have asked why they did what they did, but the truth is, when you are experiencing that kind of small-minded ignorance, you know it, and the pain and anger doesn't necessarily make you feel as though you should ask any questions, you'll just get the generic "standard procedure" answer, even when you see with your own eyes that it isn't happening to anyone else around you. Just because they had been robbed by AN African American male, if it wasn't that PARTICULAR male, why should he be treated with disdain? And no, had it been a white man that robbed them, I wouldn't be afraid of every white man I saw...

And by the way, 50 years ago was not a long time. The people who perpetuated this problem are still alive and well, it wasn't 100 years ago that we as a people were given BASIC HUMAN RIGHTS. The same rights your family was taking for granted, we were fighting and dying for. Please, just be more open to the fact that he MAY be right; and just as you don't like for Black people to jump to the conclusion that it DOES still happen, don't be so quick to believe that it doesn't.

Lastly, yes. Average customers DO bounce checks... Hell, MILLIONAIRES bounce checks, I've seen it happen. The average person, especially now, has lees money than ever and MOST people can't even balance their checkbooks, white OR black, look it up... Things happen, but bouncing a check is certainly not the same thing as robbing a bank.

same thing has happened to me!--I was raised in a bi-cultural family, and my name does not necessarily reflect the color of my skin--I complained to corporate and to the bank branches division manger, and have received no response back, even after showing ID I was asked "are you sure this is your account"--I once even had a $300 check that I deposited from a client "marked" because the bank teller was suspicious of me; when I called customer service they said it was "odd" since my check was NOT for a large amount--I'm working on opening another bank account and pulling everything I have from them, I used to recommend Commerce/TD Bank to everyone but since these MULTIPLE racist incidents I tell people NOT to even consider them; I feel like ever since Commerce got bought out by the Canadians it's just been going DOWNHILL (no offense to Canada or Canadians)...

No way, so first you state, that you are used to people treating you with suspicious gazes because of your imposing figure as you are, "a 6’7” African-American male" but you don't acutally know why they did what they did because you didn't ask. Your answer is there, they were robbed by people who fit your description and are holding a unfair bias against you. Funny how that worked out? 50 years ago some white people did a lot of black people wrong and black people today who were not even alive 50 years ago hold it against them. So why do you think someone who got robbed 5 or 15 days ago by a "African-American male" wouldn't be scared. And what did the race of the manager have to do with anything? That's your bias coming through. If it was a black person behind the counter they are a sellout, if its white its racist, if its Asian its foreign and they don't know our ways. Its always something to blame. And sorry, bouncing a few checks is not normal for average customers. And at the risk of you coming and finding me and beating me up for expressing my opinion in contrast to yours, instead of talking with the bank and how they made you feel, you went running to another bank, which in time you will leave to for whatever reason pisses you off, after your honeymoon period with them is over too.

No surprise there, considering the caliber of employees they hire.

Sorry that this happened to you. I am white and these things unfortunately happen everywhere. There are tons of crys against racism, but this is legit.

I called TD bank customer service and this lady whose name I don't know and never bothered to ask was very rude to me because I have a different accent.She yelled at me continuously and I cut the line.That's not the first time this has happened.TD bank has one of the worse customer services I know.I know some of the people who work there will be here to insult me more but I dont care.That's the truth and it needs to be addressed.

I am with you on this. If you are out of the country and in this situation...it would be nice to speak with a helpful person...I don't care if they take 100 calls a day. If you are in a stressful situation they should be trained for this. People answering stress calls should be special and be graded accordingly.
I have also been in a situation similar to this, but I was fortunate of having a really, really good person to talk with.
In fact this is so important to me. Even if something can't be done, at least the person has tried to give you ALL the options they could.
TD may be an excellent, very good company I am not sure...but the fact that something like this happened during travel...I would think their upper management would be jumping though hoops to be professional and helpful.

Deceiving Practices - Credit Line -
TD Bank Pre approved me for 60K at 3.7% - I did submit all appropriate documentation they stated that my submission was in order. I told them that I was puzzled as what they offering. They insisted that I didnt know what I was talking about. Their processing department was RUDE and gave me a hassle for not receiving documents. Then they called me that they counter offering with a 14K @ 4.2%. The under writer ( ###) told me that his furmula was based that I have over extended my credit and was puzzled. He said that I have "big car payments" but I dont have a car loan. Anyway to make a long story short please avoid doing business with TD bank. I intend to file a complaint with NYS Finance Dept, BBB and go after them via small claims court. Have nothing to loose! They are bunch of crooks

Okay first of all, you lost your debit card and its your fault. Would you personally like a td bank employee to get on an airplane and deliver you a brand new card? Thats insane. You were also calling from Mexico, what on earth were you thinking that calling a number in the US is going to be toll free from Mexico? Maybe I need some clarification because I have worked retail and customer service my whole life and I could never imagine myself complaining and arguing like 80 percent of customers do on a daily basis. Can you just explain what happened in your life or what do you do for a living that makes you whine and complain about customer service. Because when you think about it, there are people out there that dont have food and clothes and your sitting here complaining about a fee you had to pay because you made a phone call from Mexico to the US.

today TDBank, for the second time in a year, required me to go to the FDIC to recover my deposited funds (september 2009). I activated that ridiculous flat debit card with the same number as my old card save expiration date and security code. The outsourcee who answered the phone in some cholera infested rathole of a country ensured me the card would work. I had a thousand dollar balance and could not buy an 8 dollar lunch. Upon calling my local branch, they stalled me with something about bad ivr numbers on the new card and that i have to postpone my evening flight today so i can go sit in their branch and wait for them to pretend to solve this problem. I am leaving TDBANK! and if anyone else knew what was good for them, they will too!

@ OP: Dude, you really gotta make sure you have a couple of solid backup plans when traveling out of the country. You really never know what could happen.

@ TD employees: You really must not care to much about keeping your paychecks coming, because WE are the reason you are getting them. People come to websites like this to not only rant or rave about your company, but also to make up their mind about using your service. Do you really think it is wise to tell us to go find a better bank?

I've been a customer with TD Bank for 7 years now. My wife has her own account, my In- Laws have accounts, my parents have accounts. And in the last ten days of dealing with your phone branch customer service and reading some of the comments written on forums, such as this, you have just lost OUR business. Good Job Geniuses!

TD Bank is garbage, they have no appreciation for their customers.

My Story is way to long to even get into. But i'll mention that TD Bank closed my account (causing many direct debit problems for me) accusing me of online gaming, telling me that placing a wager or bet on a horse online is illegal, and violates the UIGEA and Wire Act of 1961, which if they were govt officials, or actually knew anything about laws or cared to know, would know the UIGEA isnt an actual law yet, and still doesnt pertain to horse racing.

So they acted as a court, or police officer, and accused me of breaking a law that really isnt even a law. And therefore closed my account which i feel is a violation of my rights.

I fully plan of filing a lawsuit for the troubles they have caused me.

::irate ex-customer

I was with Commerce for over 15 years.

Since the merger and the intermittent problems, let me inject some additional thought.
TD...the T stands for Toronto...While waiting in line in the lobby, I saw that slogan "TD Bank - America's most convenient bank" (or something of that nature) and got irked by the fact that TD has gone out of their way to avoid mentioning that they are NOT an American entity.

I have chosen to depart TD altogether.
Vote with your money and spending choices...banks, employers, consumer choices like autos...that is how real change happens.

If it was their friend or relative in Mexico, the TD Bank employees would have had compassion and tried to help. But since its someone they could care less about... and since they were already having a bad day... and since they don't appreciate the fact that this customer is the SOURCE that puts food on their table and clothes on their back...

I mean come on TD Bank employee! (I used to work there for years, and i HAD COMPASSION!)

Are we still human? Do we still have hearts? Or are we all so miserable that we are ready to kick everyone in the guy that falls down on the ground? ("Kick 'em while they are down"?)

KARMA people... Karma... what goes around comes around... just wait ;)

BTW, I worked there in [protected] when it was still Commerce.

Whoever starts the suit against TD North, I'd like to be added. They did the exact thing to me and my account which I had no choice but to close because they took my entire Unemployment check and wouldn't listen or cared about the error. Don't do business with TD Banknorth! By the way, I'm sure all of those over draft charges paid for Regis and his co-host to do their commercials. How much do you think that cost? Who paid for it? TD wouldn't have to have exorbitant charges to their customers if they didn't run these stupid commercials.

they are thieves and take advantage of young and diabled people convincing them to sign up for things they don't understand and then rape the crap out of them in OD fees for little more than 2 cents over! and if you ask to put a hault on your account so you can pay them when you notice the infraction GOOD LUCK snowball effect! NOT A GOOOD BANK go somewhere lece its just better than even take a chance on your credit or actually trying to have a friggin life here Isn't this world bad enough! hard enough! whatever take your own risk and make your own choice but i'm telling you better to know than get so unpleasantly supprised!

well I was going to switch to a TDbank debit since I have an account there for several different things but I think I will stay with citizens they are great and have had an account with them for a long time with no problems...I was looking to have everything in 1 bank but I guess each bank has its strong and weak points maybe they changed their name so they could hide from their own greedy actions against people

Here's a post that I used to welcome a new branch of TD Bank:

Hello Residents of (List town)

If you decide to choose TD Bank you may experience Excessive Fees as I have. I had a Simply Free Checking account that the bank switched to a Convenince Checking. I was notified by letter that there was an account change about to happen. In my busyness with work & school I did not take the time to read the letter. Page 6 mentioned an account balance minimum requirement change. TD Bank began automatically charging me $15 per month. In my loyalty I stayed with them (my mistake). As money got tighter I began to have car problems. I transferred money from another account. It cleared the other account a day earlier & yet TD Bank had it listed as pending. They then charged me $140 (35 x 4). I do not want this to happen to you if you go through a tough time financially. My suggestion to you is do yourself a favor & choose Citizens bank they will actually pay you to bank with them with transaction incentives & they have a no mimimum requirement free checking or choose a credit union where you will also not be taken advantage of.

BANKCHICK IS A LIAR or maybe "just" ignorant! THAT GOES FOR MAGGIE, TOO.

bankchick's comment claimed "In order to provide customers with a more accurate balance we will hold the pending transactions against your balance, the remaining balance is used for anything that will post that night against your account" which USED TO BE how they handled pending transactions but NO LONGER IS.

Maggie said "using online or phone balances is financial suicide -- there may be checks/debits that haven't gone to the bank yet" but in fact BANKNORTH IS PERFECTLY ABLE TO PROVIDE ACCURATE AND UP-TO-DATE BALANCES TO CUSTOMERS VIA PHONE OR ONLINE. They CHOSE to stop doing it -- any Banknorth customer who's been with them more than a couple of years will remember, though they may be doubting their own memory given the bank's new "party line" that if the customer doesn't keep a paper register it's our own fault.

Think about it: Every time you use a debit card, for either a debit or credit transaction, you have to wait while the charge "goes through" -- TO THE BANK. It is virtually IMPOSSIBLE for there to be debit-card transactions which "haven't" gone to the bank yet, and even paper checks, nowadays, are sometimes verified by merchants before they agree to accept them. A store would have to be crazy NOT to confirm debit/credit transactions, even if they have to use the old-fashioned card "swiper" where an impression of the card is taken on carbon paper and phone in to verify the card hasn't been reported stolen or otherwise deactivated, since if they DON'T confirm with their credit/debit-processing service and the transaction turns out to be fraudulent, they're out the amount of the transaction and probably face fees from the processing service, too!

How I know "bankchick" and "Maggie" are wrong:
My fiancee has been a Banknorth customer since her hometown bank merged with them back in 2000, and the quote from bankchick accurately describes how pending transactions USED TO BE handled both before and after the merger, but NO LONGER IS as of at least the spring of 2008. Not 2009, 2008! Jackie (my fiancee) couldn't figure out why she kept getting hit with overdrafts when she always checked her balance via the toll-free number (or at the latest, later the same day as the transaction so she could transfer funds from her direct deposit account to her debit account to cover the charge if necessary) and her balance had seemed more than robust enough to cover the charges.

She went down to the local branch to find out what was going on and get the OD fees corrected and, after explaining three or four times how she checked her balance before transactions and not getting an answer from the manager explaining how that could happen... the manager suddenly dropped the bombshell that the automated system customers access with the bank's toll-free number (as well as online banking, which we don't use) NO LONGER ACCURATELY REFLECTS THE CURRENT ACCOUNT BALANCE, that the bank is aware of this and, not only do they not consider it a problem to be fixed, they DID IT ON PURPOSE. That's right, a TD manager ADMITTED that the bank is DELIBERATELY MISLEADING CUSTOMERS in order to trick them into overdrafts.

The manager then claimed that customers had been notified of the change by mail, but we went back through 6 months of statements and found nothing about this change, though other changes to how accounts are handled are of course noted on (mailed) monthly account statements. The manager claimed that it was customers' responsibility to keep a check register for their debit accounts -- but what's the point of providing the automated phone system, online banking and/or ATM balance inquiry "services" if the bank is KNOWINGLY giving the customer false and misleading account info with them?

And IT GETS WORSE -- the next time she got hit with an OD charge, Jackie again went to the local branch to find out what was going on, since as far as she'd been able to tell she had been leaving a cushion of at least $200 in her account! Well, Banknorth apparently "got wise" to cautious customers, and had kept a substantial pending transaction IN PENDING STATUS until Jackie finally made another debit purchase -- they can and will do this for not just two but THREE OR EVEN FOUR WEEKS so that they can have the outstanding charge post without warning when the customer has every reason to expect it had already posted.

BUT -- WAIT FOR IT -- Jackie agreed to pay that fee, and prepared to transfer funds from the DD account into the debit account to prevent further fees & regain a positive balance, but only after the bank personnel checked THE BANK'S SYSTEM for any other pending transactions, so that she could be sure to deposit enough to cover everything that was coming. THE BANK TOLD HER THERE WERE NO MORE OUTSTANDING TRANSACTIONS according to the bank's own system -- the one that's kept up to date while customers are kept in the dark via the phone system, online and ATM inquiries. She transferred more than enough funds anyway, right there in the bank, after confirming with the teller that this type of transaction (between two Banknorth accounts solely owned by the same customer) would not experience any sort of "posting delay" that might cause her to be charged another fee for letting the balance remain negative another day. They told her it would be posted that same day (or at worst first thing the next day, but before any fees would be deducted). BUT THE VERY NEXT DAY A PENDING TRANSACTION HIT THE ACCOUNT AND TOOK IT NEGATIVE AGAIN!

At that point, Jackie, fed up, decided she just wouldn't do business with them anymore until they stopped lying to her face and restored her balance to what it should have been without the manufactured overdrafts. (She's always been willing to pay OD fees when it's her own mistake, and has never written a check that bounced.) Instead, Banknorth just kept racking up charges for the next 5 months, for an eventual total of over $800, at which point they closed the account and sent it to collections.

Ironically, Jackie still has the DD account -- which, since what gets direct-deposited is her SSDI checks (Jackie has MS and NMH, among other things) the bank cannot seize funds from to pay charges they claim she owes on the other account -- which she's hoping to use as leverage to get them to try to keep her as a customer.

But using that account (which, remember, is where the disability check that's her only income goes) has become increasingly problematic logistically, because the bank NEVER ISSUED HER A SEPARATE ATM CARD for the DD account, bundling it in with the debit card from the other account instead... YET EVEN THOUGH BOTH ACCOUNTS WERE ON THE SAME DEBIT CARD she couldn't transfer funds between them via ATM, and THEY PERSISTENTLY REFUSED TO USE THE SECOND ACCOUNT TO COVER OVERDRAFTS because it was checking, not savings. That's right: because she was NOT costing the bank anything in interest paid out on the DD account, and in fact ensuring them a tidy interest profit on the majority of each month's SSDI check, they REFUSED TO LET HER COVER THE OVERDRAFTS AUTOMATICALLY.

And, of course, when she asked -- on numerous occasions, just as she asked to link the two accounts already sharing one ATM/debit card several times -- why the bank didn't just decline transactions for amounts less than the OD fee, she was NEVER ALLOWED TO OPT OUT OF OVERDRAFT "PROTECTION." It's a "protection" racket! No wonder Senator Dodd and others in Congress are (finally!) stepping in.

Maggie, you need to GET oveR y o u r s e l f!, You sanctimonious prig.

LadyRaven, Good idea, but it can't be done. We have to go through the small claims courts.

LOL maggie. The old saying goes, the innocent remain quiet, as they know their innocence is already proven, the guilty make a lot of noise, as they are nervous and ridden with guilt and panic under pressure. lol

Principissa, Good one. :o) Later all, gotta work and study. :o)

Has anyone tried actually filing a police report? If you can show you had a positive balance, and they still took an OD fee, isn't that theft?

LMBO maggie. Please spare us the moral royalties. You missed the main point I wrote. You should MYOB. You do not have a complaint about TD bank, right? So, if you understand this, what are you doing here? Hello! It is a complaint board, not a blog. lol And..Maggie? You were the only other one in here, recently, besides me, and I don't vote myself down. Anyhoooo... I have better things to do, too, like work, pay bills, act like the adult that I am, live life, care for my family, and so on.

Thanks, Principissa. :o)

I thank the Lord that I am not perfect, as it would be a miserable world to live in if I bit off everyone's heads that were not perfect, huh? Oh, like TD Bank. They are perfect, you know? They are good thieves, too, and they never have to pay for it. But...I have an excellent attorney and she is handling them now. Good luck everyone who has had troubles with TD. Take them to court, for real. It works. :o)
good luck to all who feel the need to fill that void in their own hearts and souls (God works well for that) and they have to butt in where they do not belong. Maggie, you should start a blog on blogger.com. You will meet firends, chat, have fun, and can earn money while you are at it, and it will fill that empty void so you will not have to come to a complaint board and write when you are not complaining. Huh? Hope I could be of service to you. I really do care about people. That is why I say it how it is. We all learn new things and it does not hurt us to learn when to leave things alone, walk away, MYOB, Mind My Own Business, etc. :o)
As for TD Bank, I hope they go away, and I hope that everyone sues them and wins. They truly are crooks and the people who are making the errors should be fined, too, in court, and then fired. Take care all! :o)

And it is quite obvious that Maggie went through and gave us ALL a vote down. I returned the favor for you, Maggie, and voted you down, then I voted everyone esle back up, except for bankchick. Have a wonderful day and if you do not have a complaint with this bank, you should not be making comments. MYOB

I received a letter stating my son has won the sweepstakes for 450, 000 thousand dollars just like many others. I called the number, spoke with Mia Avery as well and she encouraged me to cash the check because my deadline was October 15. I told her this was to good to be true and she stated she understood because it's life changing. I said to her, I will let my attorney check into this and her entire tone changed. Please do not get caught up into a scam of this magnitude. Many are playing on the emotion and the crisis that our country in today. Be careful, there is alot happening out there. If it feels like a scam, looks like a scam, and speaks like a scam, guess what? It is.

This bank is so horrible and they charge you fees and scam you and there customer service will do nothing or their hands are tied to rip you off. If you bounce a check you get a fee of $35 than every 6th day another fee for $35. It cost me about $280 to bounce two things for 12 days. When I have had a good account with them since I was 10. It has changed and someone is making a lot of money who the economy is at it's worst they won't budge or bend anything

I completely disagree...listen to what the reps tell you. Obviously they know something about banking or they would not work for TDBN!

Ok, most of the complaint sounds logical. However, any charges made BEFORE you called Banknorth were already approved, and therefore will still go through. Once you order a new card, with any bank, the security code and expiration date are changed and updated. After that, with debit cards, you can only use the old card for PIN based transactions, not for credit type transactions. This is true with ALL banks.

It sounds to me like you simply heard what you wanted to hear, not what the CS person was trying to tell you.

Hello. I was very ill for awhile and my credit did take a dip, I went for a secured loan after I had paid off all of my credit card bills, except for 1. I was denied a secured loan, even though I had the money to secure in my savings.
So, I asked why.
No mind you, I had another secured loan with TD bank which I paid off a year and a half early- no joke.
I was told because my account was left to a family member in case I died. Which is normal, I do not want them to go through hell to bury me.
It was the first time too, i explained.
Then I received another call and was told that it was my credit.
I explained that I understood that my credit was subpar, but it is a secured loan and I am giving you the money up front. I also said that I had just paid back my first loan 1.5 years early.
Then, I received yet another call and was told that I had applied for the loan at a branch, therefore, that is why i was accepted before, but the corporate end is more strict.
I said that they are one bank- not independently owned.
Bottom line folks, TD BANK sucks. They are great at taking your money and if you are a good customer with them- they will turn their back on you.

Scot, you're not the only one. I've had several RESP agents telling me the wrong things. And they are supposed to be experts. Some of those group RESPs have super heavy enrollment fees, and they never mention anything about them until you're enrolled.

ACTUALLY, the student checking DOESNT have a monthly fee OR a balance required... should have read more carefully

I have an extended family of about 18. All 18 of us use to bank at TD bankNorth. Then the green books arrived. I read mine, reread it, reread it again and was outraged. I picked up the phone and called all 18 relatives, because I know they don't read this stuff from the banks, and told them what I was reading. Some read it, some threw the package in the trash, some even dug them out of the trash to confirm what I was saying.
Needless, TDBanknorth just lost 18 accounts from my end. I went to a credit union.
I think it is ridiculous that they want you to keep so much money in the bank or get a monthly fee! There were 4 people in my household and each one of us had different fees. My daughter's, for example, was the most ridiculous. She is a full time college student and part time worker. They wanted her to keep 1000 dollars in the bank or pay a 17 dollar fee a month. What a nerve! GO TO A CREDIT UNION.

Banknorth DOES suck! They forget that it is because of their customers that they are even in business. People have been brainwashed over the past several decades into thinking they can't live without a checking account. HELLO, ...everyone can and SHOULD live without a checking account until the banks realize that they can no longer rip off their customers with utter disregard for ethical business practices. People should only deal with savings accounts that pay interest and don't have any maintenance fees. People need to wake up and band together against the thieves that call themselves 'your friendly local bank'. HA! I say Jesse James and Dillinger and all the bank robbers of the past are heroes, the banks had it coming, and they have it coming now. Between the EXCESSIVE FEES, 'creative' bookkeeping, and all the bull**** they hand us when they try to tell us that they are 'only following policy' when they empty our accounts every chance they get, we will all be poor. I'm telling you, you gotta start realizing your power and drop the checking accounts. Pay bills in person, with money orders, prepaid credit cards, debits from savings accounts and whatever other way there is. Send the banks a message, drop your checking accounts!

i have also been robbed by bank north not just once but twice.i'm on lay-off from my job and collecting unemployment comp.i have cashed my check at my local branch of banknorth with no problem getting the full amount.last week i deposited my check on a friday and payed some bills by electronic payment that night on the phone.the following monday i went to check my balance and found both payments were denied do to lack of funds.when i called banknorth they said there is a three day waiting for checks to clear.the same thing happend last year the only difference at that time i deposited cash.there excuse for robbing that time was that they clear checks in the morning but do deposits after 2pm.between both ripoffs it took more then what make a week on unemployment.as far as i'm concerned they are robbing our money with impunity.

I couldn't agree more. They just cost my wife $500 in fees. They are thieves!

I enquired with the manager of the Vancouver location about maximum contributions for a Register education savings plan . She did not know ! I advised her that It should be on annual income and she said that I was wrong . I contacted the Government of Canada and I was correct !
She should not be giving out information and have that title !
She made me feel so small and I was correct !
Advising you that will never deal with your institution nor will I refer it .
Thank you for taking the time .

I work for TDBanknorth and I know firsthand that this woman has been irresponsible and is refusing to take responsibility for her own actions. If she had deposited funds right away when the neg. bal. was not extremely in the negative, she would have avoided quite a bit of aggravation and frustration.

I'm no paticular fan of TD Banknorth but in this case I'm not sure what they did wrong. If you don't pay your bills any bank is going to close your account and send it to collections. As far as being notified, you should always keep track of your spending and shouldn't depend on any institution to tell you when and how much you overspend.

It is the attitude that our spending is someone else’s responsibility that has resulted in the current financial crisis we face. We need to live within our means and not blame others for our own actions.

I have gotten two of these checks, didn't fall for it, put it through the shredder! No one is going to just send you a check out of the blue, everyone should be smart enough to realize that!

This is the second check I recieved in one month. Is there anyway this can be stopped? Do we contact our local police department or the News Companies or what?

Who can help me ?

I did receive such a letter and I fell for it .
The received check was deposited, however the bank did not want to take any risks and put a 12 day hold on the check.The lady said I have 4 days to pay the taxes otherwise i forfeight the prize.I paid out of my pocket the taxes and the insurence for the money to be covered by ups. Its been 20 days since i made the payment, no one called, no letters . Its hard to catch anyone to give you an honost answer when you call -either the phone answer machine is full or the associate .can not acess your file to tell you-------.Hey stupid we got you or no its a clerical error.
Can anything be done under the law...will 20/20 get involved if more people come forward or is it a last cause along with the money?
mikeob-

THIS IS A HUGE SCAM! I DID THE RESEARCH AND FOUND THAT THIS COMPANY DOESNT EXIST! THEY NEED TO BE STOPPED! DO NOT CASH THE CHECK AND DO NOT SEND THEM ANY MONEY! TAKE IT STRAIGHT TO POLICE DEPARTMENT AND LETS GET THIS SCAM STOPPED RIGHT AWAY! THESE PEOPLE SUCK!

I have just recieved a letter today saying that I have won 250, 000.00 and that I needed to cash the 3, 900.00 check that was enclosed in the envelope addressed from the same scamers that all of you guys have mentioned. After reading, I did notice that they want you to deposit and then send them 95% of your deposit. I did not fall for the crap because ANY LOTTERY THAT ASKS YOU TO PAY THE TAXES IS A SCAM!If you do win, the taxes are taken out of your winnings from the state. So I say better luck next time silly rabbits, tricks are for kids!

I just received a check for 3, 700 and they are asking me to deposit it so i can pay for the non resident taxes on 450, 000.000 so they want me to deposit the check mean while ill write them a check for 2, 700 and my bank will put a hold on there check, an when i find out there check is no good they just screwed me out of 2, 700 be careful of this scam,