TD Bank’s earns a 2.8-star rating from 14 reviews and 462 complaints, showing that the majority of banking clients are somewhat satisfied with financial services.
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lack of security
I found a debit card from TD Bank/Commerce Bank and called the 800 number on the back to report it. Not sure what I expected, but was MORTIFIED at the complete lack of concern for protecting the customer's assets and accounts. Never did the service agent take the name and number on the card--shouldn't they immediately check to make sure the card is canceled or notify the account holder? Also, asked if I could return the card and they said to just put it in a mailbox and the USPS would get it to them--but 1) there's no address on the card and 2) if this were your card, would you just want your name and account number floating around freely? Is this common practice for banks? I am really just shocked that they didn't give a damn about this person's lost card/acct number/name/identity, etc...
The complaint has been investigated and resolved to the customer’s satisfaction.
where do I begin?
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
You can't transfer to someone else's account? What are you talking about? I have transferred money between mine and my husbands accounts, as well as into my step daughter's, and I am not signers on these accounts. Thank god I left td bank - I see I wouldn't be able to do that any more apparently.
Banks, as well as ALL businesses should do everything they can to keep customers. It cost businesses far more money to GET a customer than it does to KEEP one, that is business 101. So this person was correct in expecting some reaction to his or her leaving the bank.
How come now it takes LONGER for them to verify funds than it used to? Did they get a new but less advanced system? Yes, they USED to credit you for the full amount of your deposit, or at least made it available within 24 hours. Now, it can take up to 72 hours! That's business hours, so deposit something on Thursday and you might not be able to use it until the following Monday! That is unreasonable. Plus, I think the tellers are trained enough to not honor a check for ten million dollars.
wait, your upset because the bank didnt stop you from leaving when you said you wanted to?
Wow how horrible.
Why dont you tell the truth, you were upset the bank didnt ben over backwards when you threatened to leave them.
By the way no bank would ever let you do a transfer of funds from one account to someone elses account regradless of what bank they are with. Thats not a transfer, thats called a payment. If they allowed direct transfers like that the US government would close them down in a second due to money laundering laws. If you need to make an ACH ( automated clearing house ) payment, or write a check to someone feel free to do so, but you cant transfer . Thats not what a transfer is.
And as to diectly depositing a business check? so you wantthe bank to take a check and instantly give you the funds?
Id love to find a bank that does that, id be rich. I could write a check 10 million bucks thentake it and walk away with the 10 mil.
no matter whatthe check it takes time to verify funds. unless you have the amoiunt in your account t back up the withdrawl.
account closing
I have a checking, saving and business checking with Commerce then and now TD bank. I have life insurance premium that auto withdraw on the 15th every month. I came in 9/16/09 to close all 3 accounts. On 11/2/09 I receive a call from TD bank rep saying that I owe TD bank $456.09 and $35 over draft fee for the auto withdraw made on 10/15/09. I was outrage, how can that be, the account has been closed for months.
I came in to the local branch with my withdrawing receipt and prove to them that the account has been closed 1 month prior. They are removing the $35 overdraft fee but want their $456.09 back.
My question to TD bank manager is this:
1."I closed 3 accounts on the same day, why 2 accounts is closed and 1 left open?"
2. "Since closed account is still open, I could come up to the counter and withdraw $500 and your teller will give it to me?"
Both the Manager and assistance manager could not answer.
The manager then threating to put it thru collection. I told them to talk to my attorney.
I have contact the Ombudsman office in Canada via email (td.ombudsman@td.com) and they forward my email to the Chairman's Service Center, they resolved my issue. Below is the excerpt, with info to contact them, hope it help you resolve your issue.
"The mandate of the Ombudsman’s office is to review operational issues that occur between the Bank and its Canadian clients, to ensure that the Bank’s operating policies and procedures are adhered to. We understand that your concern has to do with TD Bank N.A. (formerly Commerce Bank) located in the United States (US). At this point in time our office currently does not have the ability to intervene in situations arising from our partners in the US.
We have forwarded a copy of your concern to the Chairman’s Service Center in TD Bank NA who we have found to be very responsive in dealing with customer’s concerns. We have asked that they contact you as soon as possible. Should you wish to contact them directly on your own, you may call [protected] and ask to be transferred to the Chairman’s Service Centre. They will be able to assist you and further review your concerns."
Kevin072
The complaint has been investigated and resolved to the customer’s satisfaction.
TD stands for Total Dicks! This is my story. They are THUGS and THIEVES!
COMPLAINT INFORMATION
TD Bank
My Total Disaster Bank Nightmare
TD Bank is refusing to accept a mortgage payoff on a sale of a property unless
1. I pay them $33, 000 or
2. Sign an agreement to allow them to call in my other two mortgages earlier than they are due
TD Bank holds mortgages on 3 properties on which my business, AllState Fence is located. I own the properties along with my brother as M & S Realty. For 10+ years, my company has had a positive banking experience with Commerce Bank, now T.D. We are a seasonal fence installation and manufacturing company with a $1 million line of bank credit, which was always renewed every year. Our bank officer, Ed Moran of Commerce, always rolled over our credit line yearly, even when we had money borrowed against the line during slow seasons. On October 1, 2009, TD Bank called in our $1 million revolving line of credit even though we were never late a payment and continued all our monthly payments. At this point, Charles T. Forrest from TD Bank, Cherry Hill, NJ, threatened to foreclose on all our properties cross-collateralized on the loan if we didn’t pay the line of credit in full. At a meeting with Charles Forrest, he stated the reason was “that TD just wants to get rid of any company related to the building industry. We don’t care that you are still making your payments. TD has a different philosophy. You are probably going to fail so we want to get rid of you”. There was no convincing him or TD’s attorneys otherwise. Our only option was to sign a forbearance agreement which gave us 3 months to find alternate financing. They charged us $20, 000 for this. After many attempts to find bank financing during the credit crunch, alternate financing was found for $650, 000 through a hard money high interest Business credit loan. After this loan closing and receiving $650, 000, Charles Forrest at TD then charged us another $10, 000 forbearance (extortion) fee to extend the remaining line of credit balance to be paid down at $20, 000/month which currently continues to be paid at $5000/week.
When one of the balloon mortgages on one of the properties was due to expire in October2009, fortunately a buyer was found to satisfy the entire mortgage payoff. A closing date was set a few weeks after the mortgage expiration date due to some township /land use issues, however the mortgage payments remained current and continued to be withdrawn directly from our checking account. Because of the extenuating circumstances with the township, Charles Forrest and his boss Ed Moran had verbally agreed that the bank would waive any late fees on the mortgage as long as the debt was paid. We even sold the property substantially less for a quick closing to pay off the mortgage debt. So when we received the mortgage settlement charges for the closing, it included a $33, 000 late fee and default rate much to my surprise. When an inquiry was made via email, TD agreed to waive the late fees only if another forbearance agreement was signed which would let them call in the balloon payments on the other 2 mortgages earlier than they are due. These mortgages still continue to be paid monthly. Now TD is holding the sale of the property hostage, refusing to accept a full mortgage payment even if the $33, 000 late fee is paid, unless we agree to their forbearance (extortion) terms. To top it off, they also won’t allow us to close on the property unless we agree to sign an agreement promising not to sue them!
TD is purposefully trying to put our company out of business. Why? They have never lost one penny from our business. All credit line and mortgage payments were always paid. They have crippled our business. Could they want our properties which have over $1 million in equity? Or do they just want to keep charging us tens of thousands in “forbearance” fees? These thugs need to be exposed and stopped. Such unscrupulous business practices should not be tolerated and need to be investigated. We need a positive business environment in New Jersey. Small businesses have a hard enough time as it is without being victims of bullying and extortion from banks whose only interest is to rack up fees or possibly foreclose on valuable properties.
Howell, NJ
online bill pay
The same day that the computers went down, three of my automatic recurring online bill pays were cancelled. TD bank says that I went in and cancelled the payments. Our 2 car payments and student loans were never paid. I didn't catch it for about 3 weeks when I realized that the money never came out. Luckily, I caught them all before they were truly considered deliquent. However, we did have to pay fees to pay the bills over the phone. I'm just amazed that I would actually go in and CANCEL bills that I've paid online for years, even though I had the money to pay them! I must be such a fool. The TD rep assured me that this had NOTHING to do with their huge computer issues. Yeah, right. Did anyone else have online bills cancelled that were set to occur every month?
The complaint has been investigated and resolved to the customer’s satisfaction.
I've paid monthly bills from my TD Bank business account using Microsoft Money. Three payments never posted and I have incurred late fees, finance charges, etc. Customer servive is a joke. I waited an hour to speak with someone and they couldn't fix the problem which persists to this day. I was told someone would call me back. That was a week ago. Still waiting...
I'm taking my business elsewhere. TD Bank truly sucks!
I have a business account, I have lost over $4000 in overdraft fees and yes doesnt matter how hard I try to avoid this fees they always hit the account. And to those slick that always jump saying ohhhhhhhhh if you dont have the funds dont used it, well...I do have the funds but they trick you in all the ways to hit you with the fees. The goverment doesnt do nothing, the law enforcement doesnt do nothing, the bank and our local politicians doesnt do nothing...My bank account is [protected], I hope that someday 1 judge makes them refund back all the overdraft fees that they have take from us like they ruled in California to Wells Fargo.
On unemployment in New Jersey with direct deposit. I call in unemployment on Thursday and payment is normally in my account on Saturday morning. Not any longer. Payment now does not post to my account until Monday or Tuesday. That's slower than receiving payment through snail mail.
rude customers
Well lets start off by saying if you dont work for Td Bank you will not know the stress we undergo from rude customers.
First off Td Bank sent all there customers their policies of the new systems. If you got screwed with your accounts after the integration like around now its your fault. We understand our computers were messed up for about two weeks and if you got fees we certainly gave most of them back. If your still getting fees its cause your not consistent at watching your account. If you don't want fees well stop spending money you don't have. REMEMBER that your card does not decline when you don't have money. In order to get that removed you should go to your local Td Bank and get an opt out program.
Second, STOP YELLING AT YOUR TELLERS UNLESS YOU FEEL THEY HAVE DONE SOMETHING SO ###ED THAT THEY DESERVE IT. Most tellers do not deserve the grief you customers bring. If something was done incorrectly on your account don't yell at the teller go to a Customer Service Rep or the manager.
Third, If you see that the drive thru is busy don't sit there and waste your time. GO INSIDE! Their should be at least 3 tellers inside while the drive thru has only two and sometimes one. Stop being lazy and take a walk inside. It helps your cardio.
Last but not least Td Bank is still more convenient then most banks out there. We open sooner and close later. We make most of your deposits avalible next business day. If its 5:55 and you think it might get put into the next business day ask what day they are on. Does it really hurt you to ask?
This should help you to help us to be Courteous to you. Follow this and nothing should happen to you and you wont be yelling anytime soon.
The complaint has been investigated and resolved to the customer’s satisfaction.
td bank has the worst customer service and they try to charge me an unnessecary overdraft fee of over $4, 0000. they never resolve they issues, . and nobody knows what they doing. I wil suggest that everybody use other bank
TD BANK LIKE TO STEAL PEOPLES MONEY WITH ALL THIS FEES...
I was charge $455 in the overderaw fees in one week
The TD in TD Bank now stands for "Transactions Delayed"
Employee of TD is being far less than honest here.
I have had TD bank institute all manner of fees without so any notice whatsoever. To say that they give notice of changes of policy is simply a lie. Most recently they have begun charging me a fee for use of non TD ATM's. That was specifically not part of my agreement when I opened the account with Commerce Bank about four years ago. I acutally read the notices I get in the mail ond online and was never provided a notice of this.
With respect to the bank's convenience, yes, they are opened on weekends, but again my experience is that the people who staff the bank on Saturday or Sunday are the dregs of the employee pool and have virtually no clue as to what they are doing or how to do it. I'm not sure whether it's a question of making new hires pay their dues or simply not adequately training your people, but being open is pretty meaningless if all you have in the bank is a couple of congenital ###s who can't find their way to the bathroom, much less open a new account or provide any kind of service.
Finally, if you want to be spoken to respectfully, your employees should do the same. I have been treated very rudely over a very simple request or question on more than one occasion when trying to deal with what passes for customer service at TD.
Oh this is rich. Are you talking about loaning the money that the taxpayers already gave up in the bailouts? Are you talking about the "invisible money" that banks create from thin air and loan out at interest? Are you talking about money that banks get from the people that can barely feed themselves?
I implore you to watch any of the available documentaries that explain the whole SCAM that is banking. The wonderful thing is that many people like me are discovering we don't need banks and are doing other much better things with their money. Here's a short one for you http://www.youtube.com/watch?v=oTypV_LPiYI
And if you think YOUR BANK isn't scamming people you are insane or living under a rock.
As an employee of a different bank, I can truly agree that as the customer/account holder YOU are responsible for balancing your account, that is never the banks job. You need to keep a register and write every transaction down, this way you will know how much you have in your account at all times. If you spend money that belongs to the BANK and not to YOU, then of course you will be charged a fee! No bank will just lend you unlimited amounts of money in the hopes that you will pay them back, it costs banks $$$ to deal with overdrawn accounts and charge offs, that is one of the reasons for those fees. As far as not knowing about policy changes- you sign an agreement and are given a booklet with all the terms and conditions when you open an account, and EVERY bank will send you new booklets when anything changes! If you do not choose to read your mail and you throw it out, that is not the Banks problem, that is your problem. This is your MONEY, you are responsible for reading EVERYTHING the banks send you regarding your accounts. There are also signs up in every bank showing funds availablility policies, it's not a secret! Take some responsibility people, stop being lazy and balance your f-ing checkbook!
@StealthPilot
We know you are a TD cronie that profits from the misfortune of others. Why the hell do we have to use a check register when TD markets in their brochures and online that you don't need "that old check register" when you have TD Online. The simple FACT is that TD re-orders transactions to maximize PROFITS at the misfortune of others. The aim is to trigger as many overdraft fees as possible. If that's not unethical then I don't know what is.
We don't need TD or any bank. Look around for alternatives. I did and since I left TD Bank I am so much happier and have more money. I cannot wait until TD bank folds. It will happen and when it does I am going to raise a glass of champagne and toast the falling of an empire of [censor]!
ok so i am a TD bank user. the check that i deposited never went through. that has happend maney times. also using my card is a gamble. it works somtimes at like gas stations. but about 90% of the time it does not work
i have never complained about a company before. but if im going to trust you with my money, you better take dam well care of it
READ MY POST :-)
For those of you inquiring about a lawsuit and are interested in becoming a class member, there is a lawfirm working on putting a class action lawsuit together. The more complaints and proof the attorneys have, the better the chances are at winning a substantial amount. Substantial enough for TD Bank to improve their business practices. I just finished sending in my information to the Trief & Olk Law Firm.
There is also a website where the firm is retrieving complaints from Go to http://www.bank-overdraft.com/cases/td.htm
Here is what you should do:
1. Keep all receipts for your debit card transactions to support your actual date and time of transaction.
2. Print the daily transactions reports off of the website DAILY, EVERY SINGLE DAY (This REALLY shows how they are re-ordering transactions, if you could see mine you would shake your head! BIG TIME... I got these thieves GOOD).
3. Print the pending transactions as well.
4. When complaining to TD Bank, rather than calling them - email them through the website for documentation and proof.
Hope this helps.
direct deposit & fluctuating bal. problems
I've had an account with TD Bank, originally TD Banknorth (Toronto-Dominion Back/ headquarters Canada) since June 2009. Till a few months ago, I was having no problems. Then the bank did some kind of overhaul, including the online banking website. Since then I've noticed a subtle--and not so subtle--change in operating procedures, e.g., ripping off customers via direct deposit accounts, "pending" transactions, resulting in double withdrawals, to name a few scamming techniques.
A disabled, Vietnam veteran, I noticed, today [protected]), for the first time, that my disability check had been placed in the "pending transactions" category, and that, this time, not only had the full amount of the disability check been unrecorded, but a pending debit card transaction that should have already been withdrawn, leaving the actual & current available balance, had been deducted from the unrecorded disability check. I called the bank for an explanation and basically got double-talk & the run-around. I informed them that the matter was far from being settle to my satisfaction.
The complaint has been investigated and resolved to the customer’s satisfaction.
For the majority of customers they only become rude because the TD employees no longer have any customer service skills and they bring this on themselves (and most times they deserve it) as they no longer want satisfied customers, they are only worried with making a few dollars. When it was Commerce Bank the Customer Service was OUTSTANDING - now that it is TD Bank the customer service went right into the toilet. I have been with this bank for over 20 years and up to the time when TD took over never had a problem – NOW all I have is problems and get no relief from their customer service and when you ask to speak to a supervisor, one is never available or refuses to get on the phone. I am now in the process of changing all my accounts to a Small Neighborhood Bank – A Customer Orientated Bank – A Friendly Bank. Commerce built their bank one customer at a time an TD Bank is now driving away these loyal customers.
customer service/wait time
WORLDS MOST CONVENIENT BANK?! Voted by WHOM? Board of Directors? Certainly NOT the customers. The only thing convenient about TD Bank and the former Commerce Bank is the fact that they are open on Sunday. Waiting time on their convenient drive up windows is OUTRAGEOUS! Always have a problem there but today was the last straw! Pulled up on one of the 5 or 6 drive ups and had 3 cars in front of me at 5:55 to transfer funds from my 16 year olds savings account to our joint checking in order to split cost of a new computer with him. Sound simple? Noooooo. After waiting on line for 29 minutes...29 MINUTES I was told I was not custodian of his account because it was my husband that went with him to open it in the first place. I had the 16 year old with me and they would not let us take $400 from his account and put into the family account. ARE YOU KIDDING ME? Going on simultaneously (sp) was some poor guy who just wanted to deposit his paycheck and take a little out BUT he could not because he did not have enough in HIS account to cover the paycheck! What the %$#@*&^%? ZERO CUSTOMER SERVICE AND SATISFACTION. I AM DONE! Closed my personal little account a year ago for poor service and now I am closing both of our son's savings and our family account. Did I mention HOW many times I received the wrong amount of cash back when depositing/cashing a check and one time even had to do the math on a piece of paper for the stupid teller so she could understand? THAT was in Brick. Never bank with them and and NOT COUNT YOUR MONEY! RUDE NASTY SLOWWWWWWWWWWWWWWWWWW AND REALLLYYYYY DOWNRIGHT FREAKIN IGNORANT! BANKING CUSTOMERS...BEWARE! CONVENIENT BANK? Your so funny!
The complaint has been investigated and resolved to the customer’s satisfaction.
Yes, I'm an employee. However, I am by no means a rude employee. I don't agree with all the bank's policies either. I just can't stand how people are so quick to place the blame on the employees of a business. Yes, there are people that don't do their job. But coming from someone who does do their job, I expect to not get treated like a idiot from time to time. And if you are so smart and hardly ever make mistakes, than I suggest you put your smarts to better use.
To: D7188998
It is because of people like you who work at TD "bank" I will never be a customer again. You are RUDE RUDE RUDE. I work in IT and if i have made as many mistakes as your people made, i would be fired! But thank got i am smarter than that
1) Let's figure that you have 5 or 6 lanes of drive thru, and you have no more than 2 tellers working their best to get all the transactions taken care of... Now factor in, customers messing up deposit slips, customers not being prepared, and the ever so popular customers who expect you to practically wipe their ### when they get to window.. and you will in turn have a 30 minute drive thru line, no matter what bank you visit.
2) You want access to your son's account, have your name on the account in addition to your husbands.. You're not the president.. the tellers don't know who you are. Simple. Or you can stop being so ignorant towards technology and just get online banking. It's really obviously that you have a computer and a lot of free time considering you are posting complaints on a website.
3) The guy who wanted cash back from his paycheck, I have no sympathy for. It's our policy as well as just about every other bank, that you need money in your account to back up what the bank is currently "loaning" you. They don't know if that person is just going to spend all the money, and then whoa what do you know, the check bounces and yet another negative balance is put into the computer. The check needs time to be reviewed and processed because tellers don't have the magical power to see if a check is "good" if its from an account not at the same bank. ### happens, thats just the way it goes. And who's going to be the first one rushing into the bank because their balance is negative, thats right...the customer. So if you need your paycheck that bad.. because you and your family are on the floor and starving to death, then.. hey go cash at it at the bank written on the check and close your account... because if you can't wait a day for your check to clear then you probably don't deserve to have a bank account anyway. And if you can't get yourself to the bank before we switch to the next business day, your problem.
4) People make mistakes, so its ridiculous that your going to judge the fate of an entire bank based on the fact that someone miscounted your money a few times. Maybe it was that tellers have to multitask on top of dealing with nasty customers like you who probably have terrible handwriting and don't understand how to fill out a deposit slip. And if I'm wrong about that, it's very difficult to count the proper amount of money when you have 6 people trying to get your attention at one time, so pardon if from time to time you have to ask them to correct it for your impatient self. And if you had to the math for the teller, chances are you were being unclear in the first place or THAT teller was just freaking stupid. End of story.
Hide your money under your mattress from now on because its obvious you don't know how to handle yourself in public places. "You're so funny"
the worst bank on the planet
After dealing with so many issues from this bank since their so called upgrade. I'm now looking to close my account and switch everthing over to a new bank. The last straw was an arbitrary $350.00 debit from my account dating 9/29. They did not inform me and I don't even know what this is in reference to. I had thought that this was finally over as I had to go to the local branch several times because as my bills came through they had applied ACH stop payments on my mortgage, car and several credit card payments. They couldn't explain what happened but looking at my checking account this morning I found a debit for $350.00 only saying credit clear debit. This bank is horrible and I'm soooo tired of trying to understand what's going on and correcting these issues... I miss Commerce!
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).
*
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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CLOSE DOWN TD!
giving out personal information
Today I walked into TDBankNorthm thinking that my transaction would be smooth, secure and simple. All I wanted was a new debit card. I sat in the customer service area hearing one of the CS Reps talk about a high profile client on the phone and how TD needs to protect them... I wondered if they felt every customer was "high profile." I don't think so. I...
Read full review of TD Bank and 3 commentsis the deceptive bank!
TD Bank should ditch their fancy little black and green vests for some nice plaid suits. They are as swarmy as a used car dealer trying to sell you a junker.
I was told yesterday, by TWO TD BANK EMPLOYEES, one a rep and the other her supervisor, that you cannot trust their available balance that is displayed in the online banking and the available balance on the ATM. These numbers don't reflect your actual available balance. However, only employees have access to the real available balance on their computer. I was told to keep a register, and after I told them I did, and I did it in real time, they said I did wrong. Why even have online banking or available balances at ATM's if they don't match what TD Bank is really debiting and crediting to your account? Online banking is USELESS if it's not reliable. Going to an ATM and finding out your available balance is useless now as well. These available balances NEVER match how TD Bank is handling your account in the back room.
They apparently put debits and credits in order by their own warped standards, which is they back date items and hold onto deposits so that you overdraft...but they never show you that online...The only thing you see after having a balance above zero the entire time is a whopping overdraft fee. Seriously...would I buy $1.50 cup of coffee if I knew I was under and would be charged an overdraft fee of $35.00? Of course not - I go by what they tell me is my available balance...Especially when I have ZERO in pending purchases!
Yesterday, my account balance, while low because of mortgage and car payments, was still in the black. All pending purchases had gone through, and never once while we were checking their online banking (and balancing our books) did we ever go in the red. We even went by their rules, counting only $100 of our recently deposited money. Always in the black...Well, then they go and take all the tiny purchases, move those to the last purchases debited (even if they weren't) and then waited to the end of the business day to credit us with our money (last item of the day). So according to their system, we overdrafted, since the money wasn't there to the end of the day. Of course, I deposited this money 5 days before they actually credited us with it.
The employees, while not ultimately their fault, tell the company line, and don't seem to have compassion. They agree the account balances are wrong, and then blame you for looking at the balance! How dare I trust what TD Bank tells me is my available balance! That's just silly, isn't it?
TD Bank is losing us as customers. They have lost many of my friends. Apparently they feel that being open 7 days a week with long hours and an annoying penny arcade is good enough. I stayed with them for this long just because they have so many banks around my area. But, I've learned my lesson. I'm going to my local community bank and putting my hard earned money into my community and into a bank that has earned the trust of many friends and family members.
What is a better trait for a bank to have: Convenience or Trust? TD bank chose their road, and I'll take the other.
The complaint has been investigated and resolved to the customer’s satisfaction.
Just do what I did leave the bank. Solo many people are doing it. They have a problem in that they can not grow in areas where they are already saturated. So the only way to increase income is to skim or configure deposits to maximize fees.
This may make you feel better they are getting sued by class action lawyers . The only group of people on the earth worse then bankers.
Maggie, you're dead wrong. I've had many problems with knowing my available balance via telephone automated service, ATM, AND actually live tellers at the branch and on the phone. They have refunded me six times because I was persistent in letting them know their bookkeeping was flawed and unethical. Mind you by the third refund they told me it would be my LAST one. These guys are NOTHING like Commerce bank, which used to be fantastic. Even though you keep track of successful transactions that are taken/debited out of your account, which are reflected via ATM, phone or LIVE customer rep, their system is structured illogically, as I've had three customer service reps explain to me, and I've even gotten them to admit that the system is faulty.
This person is correct about their delaying credits but not delaying charges. Listen, my mortgage gets automatically drafted every other Friday. I have been doing this for ELEVEN years without a glitch. On Thursday I deposit my check, and thought nothing more of it - until i got mail saying I was overdrafted. My check did not clear until the following MONDAY. No progress on it over the weekend, but no, they can still charge overdraft fees. They charged me $210. Do not get high and mighty. I did nothing different; they were just being jerks. OK so I gritted my teeth, paid the $$ and moved on. Next thing i know I am in the red again! What happened this time? I was charged $15 for my CHECKING account being under ONE HUNDRED DOLLARS! Excuse me, I USE my checking account and do go below $100 every month. If I wanted to save $100, I would put it in my savings account, plain and simple. Plus they aren't going to pay you interest on that $100.
I am extremely responsible with my money, so please save all of the comments about this was my fault. Hey I will even take the blame that I should have kept myself better informed of their ever changing policies. Shoot, they're bought out by someone else practically every month. But YOU are the one being hosed by paying for their ridiculous fees. I went straight to a local credit union and they told me they're getting a large amount of converts from TD bank. Before they would get one only occasionally, and she had had several in one week. She said it's RIDICULOUS to charge for a balance below $100 for a checking account. A checking account is to use your fluid cash. The credit union pays me interest on my checking and my savings accounts. I held out for so long because, like you, TD bank is the one with the most branches. But please don't let that stop you from switching to a credit union - they understand and do not charge you to use another ATM. (You may have to pay the ATM fee though from the bank who owns the ATM_ You'll still come out ahead.
TD BANK INCLUDES YOUR OVERDRAFT CREDIT LINE IN
YOUR "AVAILABLE BALANCE" ON ATM SLIPS!
Even though your credit line is subject to a 14% interest charge.
THEY DO NOT TELL YOU THIS!
They do not tell you that your "Available Balance" includes the amount of your overdraft credit limit (usually $500) and if you withdraw that amount (from an ATM machine or bank) you will be charged 14% interest!
INVESTIGATION - If you have inadvertently withdrawn money from your overdraft credit line, and were charged interest you should contact me at rewjd@comcast.net. This happened to friend of mine yesterday who is investigating the possibility of suing the bank for this fraudulent practice.
maggie the point in online banking is to take all the guess work out of how much we spend on a daily basis. thats what they are supposed to do show is all the debits and transactions that follow each time we use our account. so what your saying doesnt make sense.
you hit the nail on the head. that is what they have been doing to me. even now i go online to check my balance and it gives me a bull message. they are by far the worst when it comes to online banking.
change in policy, never told. lied to by teller.
Last Friday, I did my banking as I have done for years with Commerce and then when TD bought them out. I take my paycheck to the teller and ask them to put it in as cash. They cash out the check and the funds are available immediately as cash. This visit was the same. the balance on my receipt and online all showed that this was in as cash...until yesterday I wake up to $70 fees. Apparently, TD changed their policy so that now NO check can be deposited as cash for immediate availability, not payrool, not ones I can cover, and they NO longer have Next day availability...$100 is available the next business day and the rest days later...even on Payroll! When asked why my balance showed it available and why the teller said that it was in as cash, the call center customer service rep, simply said, I don't know. When I asked why I was not informed of these changes, so again said, I don't know. This is supposed to be conveinence? This is supposed to be excellent customer service? They ruined all the good things about Commerce Bank and kept all the bad things such as the technical glitches. TD is losing another 7 accounts. I will take mine and my family's accounts to a bank that doesn't hide new bank policy.
The complaint has been investigated and resolved to the customer’s satisfaction.
Yeah it took me one full hour to set up a business checking account for my restaurant. Unbelievable, since it would usually take 10-15 minutes in other banks. Oh and the new online banking system is the worst since each withdrawal says "Purchase Authorization" instead of the specific withdrawal, which means you don't truly know where your money is going to until you get the pending transactions finished.
TD Bank has changed overnight into this brat on the block. I transfered in 2400.00 to cure negative balance on checking - they put in 24.00. As a result the check didn t clear the bank. They back tracked and told me I couldn t clear a check after it was presented. The balance on the checking account was positive on the day the check was alledgedly presented. My balance on my checking account and savings account has fluctuated wildly
over the past 2 weeks. i think we need a class action lawsuit here - something has gone very wrong here.
Give me your email
Mine is permink@optonline.net
And all those fake charges they force you to pay, like SAVINGS ACCOUNT MAINTENANCE FEE. Is in it ridiculous - you give them the money they can lend to someone and above that they charge you a fee for doing it. Just one word comes to mind CANCEL!
overdraft charge
I was billed an overdraft charge when my account reflected being in the positive. With no clear explanation of why the account was overdrawn. So I call TD BANK and waited about 45 Min before a representative answered the phone and was told that there was a authorization on 9/30 that hit the account and my next purchase of $2.26 hit the account. To make matters worse the purchase that TD BANK states was on hold did not hit the account until 10/13. So they bill me an over drafted fee for no reason at all. TD BANK is the worst bank I have ever dealt with and will be canceling my account with ASAP.
The complaint has been investigated and resolved to the customer’s satisfaction.
I will love to join the class action lawsuit against TD Bank. TD Bank SUCKS!
I agree let them move i always have money going into my account but they continue to post debts before credits and the higher check before the lower ones so they can charge more fees while still returning checks because there putting in cash as pending. not fair i've lost 1000's to this bank. if i recall Chase bank was sued for this type of action.
All those who have had problems with TD Bank overdraft fees should get together, hire a lawyer and get there money back through a class action suit. I feel their DDA system (checking transactions) is programmed to maximize fees to their advantage. I my opinion TD Bank needs to move back to Canada and rip their own citizen off.
I made a deposit on a Sunday and I know that they cover a hundred bucks of the deposit. So I took some money out and then got gas today. I got charged a 66.99 over draft protection fee which I never authorized and that made me over draft. I am closing my account Friday.
missing money after bank upgrade
Its been 2 weeks since there upgrade and I am still missing 450.00 in my account.They charged me almost $300.00 in overdraft fees, because my money was missing. My vacation and 50th birthday was ruined. I couldn't make tranfers from one account to the other, I couldn't get customer service thru the 1-800 number My advice to everyone take your money whatever is left and run. I file a complaint with the Comptroller of the Currency(OCC) and of course that will be a couple of months before they get back to me.
The complaint has been investigated and resolved to the customer’s satisfaction.
THIS BANK IS A TOTAL RIPOFF! THEY ARE BEING REPORTED TO THE FDIC AND BETTER BUSINESS BUREAU AND ARE BEING SUED BY NUMEROUS ATTORNEYS IN THE STATE OF FLORIDA. IF YOU WERE BANKING WITH RIVERSIDE BANK BEFORE TD BANK TOOK OVER, YOU BETTER LOOK FOR ANOTHER BANK ASAP! THEY ARE OUT TO GET YOU!
Just had our car repoed from TD bank . we were just into the 2nd month due to the fact we had to move and needed a bunch of money for that. We never received a letter or notification from the bank that this was coming up.Now "I" ( not my wife), have to requalify for the car. We have been married 32 years and her income doesn't count toawrd the car loan(now) it did when we bought it 4years ago. I feel like we are being scammed.
tellers who were not trained to read
BEFORE TD Bank's epic software/database switchover--which disrupted the finances of thousands of private and business customers--a teller at my lovely branch in a dirty, dilapidated plaza in Middletown deposited my paycheck into another customer's account.
Apparently, it was far more important for this young lady to update her Facebook status [OMG!] than to read the deposit slip I provided her to direct my check into my account. After the transaction was completed, and my hand was on the exit door, she actually called out over the lobby: "is the last number an 8 or a 3?!"... This is AFTER she processed my check. I was a bit puzzled--deposit slip in-hand--and proceeded to leave. The deposit slip showed a wrong checking account number--this, just days before the "big meltdown".
The manager of the branch insisted that I "used the wrong type of deposit slip"--savings in lieu of checking. Never mind the fact that I have the deposit slip showing the wrong account information, it's the customer's fault. (She may have skipped that day in business ethics.) But, here's the kicker: it's been 11 days, and my paycheck is still not in my account. The overdraft fees keep piling up, and there will be a "credit memo" for the overdraft amount in my ledger the following day. Some days, my check cards don't work. When I call the branch, they put me on hold for two minutes, and report that "the money is back" when they pickup again. Where did it go? How is this possible? It's 2009!
My suggestion: avoid TD Bank at all costs--especially if you happen to reside in the Hudson Valley. Dirty locations, rude tellers, impossible electronic banking system, and unaccountable management: a recipe for financial disaster.
The complaint has been investigated and resolved to the customer’s satisfaction.
Well, considering you had used the wrong deposit slip and did not check your receipt properly for the correct amount of you deposit or to verify the right account number, i'd say you can't read either. At least the teller wanted to check before you left. If theres a question if your last digit is a 3 or an 8 try to be a little more legible. As for rude tellers, how rude could she have been if she wanted to make sure you got your money in the correct account. But you're right, she must been some rude woman for trying to help you out. (sarcastic)
new policy
I read the latest complaints about TD Bank, and while is true the horrors about their "new upgrade system" Have you notice that their policies have changed as well? I found last week that a bank check is no longer free, in fact it was cheaper to go to my local convenient store and purchase a money order. Worse, this week I found out that they are holding my direct deposit for several days. My check use to be release to the bank on Friday and made available by the bank on Saturday, after finding that the money was not there Saturday I learned that under their new policy the money will no be released until Tuesday. Since the bank does business on Saturday and Sunday, (that is the "convenience") that makes it a total of 4 DAYS! That is worse then any other bank, and there is nothing convenient about it. I suggest you look into this and consider changes banks. I know I will!
The complaint has been investigated and resolved to the customer’s satisfaction.
I have signed up with td bank about two weeks ago and had left town for a year or so I had my girlfriend go make my deposit for me and made sure she asked will I have any problems with access to my money they said no but put my account on hold right after she made the deposit I told them my situation I will not be able to come into a branch they keep telling me there's nothing they can do unless I come in and that's not a possibility so basically they took my money I have kids to feed and that's not right for them to do that to me I put my trust into that bank and they did me so wrong is there any other way at all I can get some type of refund because I'm a hard working man and worked hard for that money and I will not stop untell I get justice
Can I share my TD tale of woe?
I hold a 50plus ckecking account, I thought it was one of the greatest banking games out there...
UNTILL I NEEDED A FRONT & BACK COPY OF THE PROCESSED CHECK ITSELF!
Long on [censored] short on true customer service...I'm OUT!
TD is where I used to bank!
And you are also correct, they will process any transaction you do, because in case you forgot to have enough money for a check, they will pay it. As a favor to you, so you don't have your mortgage returned, and simply charge you $35.00 for it. Sorry for trying to cover your butt. Balance your account and check book properly and you could avoid this. And spending the money you don't have.
Bank Checks, and Money Orders have not been free for several years, way before the bank changed to TD. The only account that they offer free money orders or bank checks is the 50 plus checking account, offered to customers over the age of 50. And yes, go to your grocery store and purchase a money order for .69 cents, you're not forced to buy them at the bank. Policies have not changed in the availability of your check. The bank is open over the weekend, you're correct. But the federal banking days are Monday through Friday. So in order for TD bank to be open over the weekend, Friday nights after 6pm their banking system switches to Mondays banking date. Friday before 6pm your check will be available the next day, Saturday because it allows time for the check to be verified by the back office verification. Friday after 6pm the bank is actually working on Mondays date, and with next day availability that makes it TUESDAY! Believe it or not, you will not find a bank with the hours and availability as TD bank does, I'm almost certain. Thats not a new policy at all, it's just overlooked and commonly misunderstood. Every check, drawn off of another bank needs to be verified that the money is in their account, if not how is anyone going to get there money? Read the policy again, because everything has been this way for a long time. Get to the bank before 6pm Friday to avoid waiting until Tuesday.
Don't worry they will process any transactions you do and then charge you $35.00 per transaction for overdraft. My credit card doesn't even charge that much
overdraft fees - theft is more like it!
I work in the IT field and they really should FIRE the people in charge! There is NO WAY that a RECOVERY plan should have not been in place.
I was unable to manage my account AT ALL!
I have bill payments set up as automatic that occasionally have to be revised.
Payments went through that I wanted to manage!
I tried to log-on, I tried to call.
THIS IS NOT my usual way of managing my money! I do not bounce or overdraft!
I RELY on their system and was aware of maint over that ONE week-end but I didn't know this MESS was going to happen!
I stopped using my card when I saw a negative balance immediatly. I tried to be patient & let them sort it out.
BUT
You have GOT to be KIDDING with the penalties & FEES right?
Since I have direct deposit they have now STOLEN my money!
THESE ARE PENALTIES NOT MONEY I OWE THEM!
I WANT IT BACK!
Do they think we have NO WAY of penalizing them for the blunderous HUGE mistake that they made?
THEY ARE WRONG!
Maybe they are hoping some of us will just shut-up & LET THEM HAVE OUR MONEY?
We can organize on the Internet.
We can complain to ANY & ALL services & Agencies that oversee the banking business.
We can complain to anyone who will listen!
I have been banking with Commerce for a very long time.
AMERICA's MOST CONVIENIENT BANK...
maybe before it was sold!
BUT WHEN I HAVE TO FIGHT FOR MY OWN MONEY - HOW IS THAT CONVIENIENT?
SD
The complaint has been investigated and resolved to the customer’s satisfaction.
This has to be illegal guys. Let me explain what they did to me. In the last three weeks they have taken 605.00 in overdraft fees from me. I put in a deposit on a Saturday which will clear on Tuesday. I watch my balance closely. We have been struggling for so long that when the money is deposited I have to get a few things. They give you 100.00 from the deposit immediately. So I build up like 10 small purchases but they are covered with my balance that is in there plus the 100.00 they give you immediately. Then a transaction comes in and is cleared on Tuesday when I was told my deposit will clear first thing Tuesday morning. So I say to myself, "Well we needed to get fuel to run our dump truck so I will take the 35.00 overdrawn fee instead of losing 700.00 for losing the truck running for the day if it clears before the check clears. I know this was wrong to do but we had to run the truck. Well, they take that big charge of 150.00 and put it in front of all the little charges I made that were covered with the money I had in there and therefore I get the overdraft fee for the fuel which I expected but also the 10 tiny charges that were covered, are now in front of the 150.00 fuel charge instead of behind it where they should be. I understand they are all in the pending stage but I don't see how they can legally take another pending charge and put it in front of all the other pending charges even if they were in the pending stages three days before the new charge! I hope I explained this to the point where you can understand. I am so angry it's hard to explain it lol. Instead of keeping the pending charges in order as they come in, they will take the largest pending charge and jumble the other charges so they can make loads of money. I could have paid off a charge in one payment with the money they took from us. Plus finally after struggling for over a year, to see that kind of money just go like that makes me sick. The thing that gets me the most is when I looked at my balance and transactions this morning all was fine, no negative, the check cleared and everything was in the plus. Then two hours later I look into my pending transactions and there was the 170.00 overdraft fees listed. Glad I held off and didn't pay any more bills before they snuck that in there.
TD is ripping people off with the real time pending debit overdraft fees.
I just got ripped of 170. I knew my checking account was low, so I went into a WAWA and used the ATM. I clicked on quick money, thinking it would take the money out of savingsaccount that currently holds 1500. When I got home and signed on, I noticed they took it out of my checking making me 30. overdrawn. I guess it was my mistack thinking that since they have the tecnology to penalize us for being overdrawn, they could have come up with a simple computer program that when you click "fast money", it would take out of an account that has sufficient funds. I already called and thay are closing my accounts! Going to have them give me a bank chack for all the accounts (6) that I own. ###. George Norcross is an as$hole!
they just took about $500 from me in two weeks..talking about their was an error in their system so they took $230 and charge me many fees after that..i want my money back, my black friday money.
TD BANK is a rip off! They charged me over $300 in OD fees for being overdrawn $50! I so much liked it better when it was Commerce! I am gonna just take my money out and go to a bank that is trustworthy and reliable! They are a joke and won't be around for much longer if they keep up this business!
They stole $1800 in fees from me in one month!
"Pending Deposits" was their story.
I am all for going to the press and making it know about their predatory practices.
overdraft fees?!?
I have been a Commerce Bank customer since 2004 and was very happy with everyhting. Then TD comes along and buys this good bank and turns everything into crap. Since when did they start charging debit card overdraft fees? Not only that, but the fees are astronomical! $140 overdraft fee? Are you kidding me? I tried calling but after 45 minutes of being on hold i gave up. Sent them a message via the website and no reply. I am begining my search for a new bank ASAP! TD BLOWS!
The complaint has been investigated and resolved to the customer’s satisfaction.
I have a student checking account. As a college student I clearly don't have money to be paying for their scam. They claim I enrolled in the td debit card advance which allows you to overdraft. Once I opened my account months ago I opted out of this because I don't wish to pay for these fees. So apparently out of the blue I clicked so many buttons online that I 'enrolled myself in it' I never did this! Their servers can see everything 'I did' online and they claim I did it. I Never went into any tab that said that I wanted to enroll in this! Once I called they said they would only revert $70 when they charged me $240 I 'talked' to a manager who mainly did most of the talking as she practically didn't let me say a word. Then she transferred me to the online banking service which was supposed to tell me how I enrolled in such thing as I have no idea how I did it (because I didn't). The sound during this call was horrible and the woman had a thick accent. She wanted me to prove that it was my account before actually helping me so she asked for my account number. I didn't have this one in hand so I have her my card number. Then she asked for recent transaction amounts and dates. I tell her that I know of recent transactions but I don't have the dates and she keeps repeating the same thing very slowly as if I were stupid. She refused to help me with my account unless I did what she told me so I hung up. In the end nobody wants to revert my fees so now I have to sell random belongings on the internet to save money to pay for their scam. I am refraining from going online because who know maybe I click a button and they will charge me thousands of dollars. I am disgusted by TD bank and as soon as I pay this unfairness I will close my account and report them to the Better business bureau. They have no shame in scamming and taking money from innocent customers.
I have had both a business checking account and a personal checking account at TD Bank. I am ready to switch banks. Never in my lift have I had so many Overdrafts in my checking accounts as I have had from TD Bank. I realize now that a primary reason for this is that they maintain two separate sets of books; one they work from, and one that they share with customers on their website.
The online checking register will show checks deposited and available to use as soon as it has cleared; usually the next day. The set of books they maintain for themselves will not show the money as being available until the end of the next day. That way, if checks come in before the end of business on the second day, they will deduct the amount of the check from the balance in your account BEFORE you deposited the check. It is almost amazing how many extra Overdraft Fees they can charge this way. When you go into complain, they act as if keeping two different sets of accounts is a standard business practice!
I depsoited a check in my bussiness checking acct on March 28th 2011, March 30th 2011, and April 3rd 2011 for some weird reason none of the checks are credited to my acct there still pending! So I went to the peolple that gave me the checks and they gave me copys of the cleared check I called the bank the bank tells me that I should have the issuing bank fax over to them the cleared check copy. This is suppose to be a bank this is their job not mine. Once these checks clear Im closing the accts. I had enough of a bank floating on my money. The only good thing they got going for them is that there open late. PS I filed a OCC complaint today as well.
To make a long story short: Applied online and completed in person at a store. They lost my signature card (but of course not my deposit) and had to go back in to fill out another. Two weeks later, tried to use store-issued debit card for $50 purchase...declined. Tried to swipe again, cleared, but for only $48 dollars, had to fork over $2 in cash to vendor. Tried to use debit card again for second time this morning for $35 purchase...declined. Fuming, I return home to call them and they tell me there is a hold on my account from the authorization not having been put through from the SECOND signature card I had to fill out. This is three interactions and three issues with a completely new customer. I am cancelling my account here.
Went to my local branch of TD Bank (Augusta) to get counter checks to pay a security deposit and current and future rent. Post-dated 2 of the checks to meet the agreed rental terms. Asked the teller if for any reason the receptionist at my rental company's office got the checks mixed up if they would be honored before the date due she said NO. Dropped the checks off. Two weeks later my payroll check, which is direct deposited is shown as in pending status well past the point of clearing, as I now have to to expect from TD Bank, there are the post-dated checks. One which is dated for 3 weeks out.
They do not release my pay check of course until they over-draft everything. Almost $200 in charges later TD Bank has credited me back $35.00 along with a nice email stating it was due to my irresponsibility that I incurred the outrageous fees for an error that could have been prevented if the teller was trained to give accurate information. TD Bank will hold your payroll checks well past clearing but WILL clear checks that are deducted from your account any time they choose. BEWARE!
Hit with overdraft fees of 700.00 over a period of 1 week while no one notified my daughter that her account was in negative. She was talked into choosing the overdraft protection plan which screwed her over. They took her whole paycheck that she was going to spend on books for school. Got hit with $35.00 charges for a dollar and couple of cents in transactions. We were told she should treat this as a lesson. Tomorrow we are closing account with them. Have fun screwing other teenagers, that's how you make money I guess.
Td bank at the cornere of 5th ave and 1st street placed a levy on my workerscompensation money when I called the levy department a supervisor identified herself as Carol no last name said she is not allowed to give out her last name but her employee id number is 596508. she said Governor Patterson passed a law in 2009 called the exempt fund belt. She said the bank can exempt me 2500 of my money and put a levy on the rest of my account even though it is workers compensation money.she refused to release my workers comp money and told me to contact the company that placed the levy
My name is Janiece and I became of victim of identity Theif. My credit card was compromise and use in two locations on Staten Island, NY in H&m and Champs clothing store. It happen on 05/08/2016. I finally realize, when I tried to purchased a pair of sneakers fory son on Monday 05/09/2016. I contacted TD BANK. I spoke to a TDBANK Represenitive, I told her I'm having problems with my card she stated to me "Ms. Simpson, sorry to say u have no funds in your account! My draw dropped. I was so confused! She informed me about a purchase that was made in h&m & Champs! I told her sorry it wasn't me and I have my card with me! I went on to tell the Represenitive I may live in NY! But I never visited staten Island in my life! She said "well it seems to me, you are a vctim of identity theft and I will closed your card! Come to find out that evening the representative, I spoke to earlier on 05/09/16 never closed my card! I was just so hurt; one I was a victim of identity before, two my financial situation is not the best, and three what if the money I had on my card was my whole life savings! The fact that she didn't do her job, what really borthers me! I was in tears, I felt like everything I shared with her, went through one ear & out the other! It only takes one second to click a button & write a note stating " this customer card has been compromise & used at several locations ". But she didn't! What if I didn't have money to feed my son or was jobless! How can a person be inconsiderate, nonchalant & careless! I feel like she had job to do & she didn't! Lil things like this is why I really don't feel secure with TDBANk, the representatives are so careless! Come to find out when I called champs & h&m on Staten Island! They pulled up cameras with the exact time of these purchase and said it was an Indian, Moroccan looking couple with toddlers, who bought items with my card number! An all I can think about is the time I used my card two days earlier in the Bronx at this Arab store! An the funny thing about it was two ATM machines. An this guy assisted that I take money out this specific one and had a whole conversation with me while I was with my son! I'm black I'm not racist but things like this is why I can't stand certain races, they have no morals! Future reference to any body use your local BANK!
Td bank customer service is the worst. They don't really explain to you anything and don't ask them questions alot of them don't know or do know but work with the bank to rob you blindly. An advance checking at td bank is dangerous. If you don't opt out they will overdraft your account any chance they get. Now you shouldn't overdraft your account in the first place you may argue and your right but if it your first time banking with this bank and you didn't read the contract or understands how the bank works. Let me fill you in. If you deposit your money in a cash form. It doesn't necessarly mean the funds are avaliable nope not with td bank there's 24 hour wait or more depending on the day. So don't use your debit card to make purchases the funds are not avaliable but you need gas. Okay use the card at own risk. Guess what you will be charge an overdraft plus the gas money and the more you use the card the more overdraft until you end up oweing them alot more money.it makes sense td bank is green. It the green eye monster out to devoured your hard earn money.
Td bank is shady. If you don't believe me look them up they been sued two times for charging overdraft fees . They lost twice and was fined because they don't post funds right away. For example you go in to the bank to deposit 300 dollars cash. It won't be avaliable to you right away. It takes them a 24 hours to post it to your account. So if you decided to purchase anything they will hit you with an overdraft fee 35 dollars they can charge you 5 times a day for overdraft. They are crooks. If you open a checking account at chase, wellsfargo, suntrust, etc any of these banks . You would know if you depisit cash it is avaliable right away. Only check take 7 buissness days to process depending on the check. Now td bank offer their clients an advance checking which basically allows you to purchase things even if you have no funds. So they can turn around and hit you with overdraft fees. In the other banks your purchases would be declined they will not allow you to purchase anything if you have insufficient funds and they will charge you a one time 35 dollar overdraft fee. Not td bank they will continue to overdraft you and charge you. They are not looking out for the intrest of their clients. They are robbing thier clients blind. Yeah no banks perfect but a bank that can't provide any benifits to their clients makes no sense. Most bank don't want you to owe them money so they decline your purchases because they don't want loses. Not td bank they look at it as hiting the jackpot. They want you to owe them so they can charge you overdraft. Did you know Td bank has been investigated and they found out they don't pay your purchases in order. For example if you look at a wellsfargo, Chase account. You will see all your debts in order let say i pay my light bill 300.00, gas 25.00 5.00 at KFC . Well that the order it would be in . When you look at your account. Not td bank they will post the 5.00 then 25.00 then the 300.00 and if you didn't have enough funds they will claim they charge you 2 overdraft fee for the bigger amount and 1 for each smaller. So you owe then140 .00 in fees. Bunch of crooks is what td bank is . They been fine for doing this. If you don't believe me look it up. They have lots of complaints with their clients. They were even force to return some overdraft fees to their clients. This bank is making themselves rich over overdraft. I can't wait for td bank to be bankrupt fine, closed . They are the worst bank ever.
rip off fees
I have 2 issues with TDBANK
1. I missed transferring money from one TD Bank account to the other before a transaction posted and they hit me with a $70 overdraft fee! SEVENTY DOLLARS!
2. If you do not keep a minimum of $100 in your checking account every single day then you are assessed a $15 monthly fee.
PERHAPS THEY SHOULD HAVE NIXED THE CELEBRITY COMMERICIALS AND MARCHING BANDS AND SPENT SOME TIME ACTUALLY CARING ABOUT THEIR CUSTOMERS! I am going to find a local bank on Cape Cod that actually cares about my business!
I HATE THIS BANK!
The complaint has been investigated and resolved to the customer’s satisfaction.
TD bank Brooklyn, NY is holding a fraudsters bank account.
In 2015, I was defrauded by account holder for $ 174000.
The TD investigators are aware of the account and can't say anymore
Protecting the clients privacy. The same account defrauded another Canadian 2.4 million.
So under the patriot act and companies ethics policy who is doing the checks and balances on this account.
Or is the bank too busy making money...
Is there any black managers or VP's or Assistant VP's that work for this company? I was at one of their recent award ceremonies and their was absolutely no Blacks, Hispanic, Indians, Chinese, Japanese, or Mexicans in the management group WTF! I have no ill towards any race having more than the other in a company but, DAMN! spread the wealth with a little of the other race and ethnic groups.
TD BANK IS THE WORST BANK I HAVE EVER USED. OBVIOUSLY IF MY ACCOUNT IS UNDER 100.00 I DO NOT HAVE THE 15.00 TO SPARE FOR THEIR STUPID SERVICE FEE. WAY TO GO TD, LETS MAKE EVERYONE STRUGGLE EVEN MORE.
THEY CHARGE YOU OVERDRAFT FEES EVEN WHEN YOUR ACCOUNT SHOWS YOU HAVE AN AVAILABLE BALANCE. THEY TOOK ALMOST $200.00 FROM MY ACCOUNT IN OVERDRAFT FEES OVER WHAT THEY SAID WAS $30.00 IN OVERDRAFTS. HOW CAN BANKS LIKE THIS BE ALLOWED TO ROB PEOPLE AND TAKE THEIR MONEY WITH NO PROOF OF WHY THEY TOOK IT. DO NOT USE TD BANK, THEY ARE TERRIBLE AND THEY DO NOT CARE ABOUT THEIR CUSTOMERS AT ALL!
TD Bank is holding on to a check I deposited on Friday and refuses to answer me and tell me when they will clear it even though I have sent them 3 emails today - they keep passing it around to other employees. Also they have been charging me $15 per month for checking for years when they have an account that only charges $3 - they never bothered to tell me - they just kept charging.
TD BANK IS CRIMINAL.. The chrage overdraft fees for money that was in the bank. Some new rule that they take
large bills first and then the small ones, so instead of charging me 35.00 once they charged me 245.00. I hate this bank, worst bank ever. STAY AWAY FROM TD BANK!
TD Bank is horrible. I have had problems with overdraft fees in the past but this should be illegal. A check was deducted from my account twice and TD will not reimburse all the subsequent overdraft fees. They blamed it on my bookkeeping.
!
Plus, there are seven fees and I have only had 3 transactions since this so called oversight.
I have heard of banks being evil but this is just robbery.
I am a young boy who has a savings account at TD Bank. Over the years, I've saved over $900! As a kid, i was very excited. The next time I went to deposit some money, the amount in my account was actully less then the amount I had even BEFORE my next $260 deposit. I had $720 at first, then after my $260 deposit, I had only ?$705? i dont under stand this!
I woke up this morning to find an email alert from TD Bank. So I logged into my account to find I had an overdraft of 138.00. I knew my account was low but I saw sure i still had money in the account. After a review of the account I found $140 .00 of over draft fee's. How can they get away with that? Dose any know a good bank that I can do my baking with?
I would say the services of this branch is awful, and especially the manager (lady with short hair, one big eye one small eye). wondering if every staff treat customer all like her, TD will... tomorrow.
authorizations don't post for 24 hours
The old system was perfect. They call this an "upgrade!" At least with the old online system I was able to see what all my purchase authorizations were for in real time. My available balance was shown in real time, now I have wait for transactions post before I see my actual available balance. I have to run a business that uses the VISA debit card several times a day for purchases. I can't be waiting 24 hours for them to post to the account.
I used TD Bank for the "CONVENIENCE" of their services and now TD Bank is just as bad as any other bank.
Who's bright idea was this?
The complaint has been investigated and resolved to the customer’s satisfaction.
Watch your deposits and debits! There is no "real time" banking with TD Bank, because it is TD Bank time, whenever they want to credit and debit your account to suit their needs and rack up the fees. I am still fighting them for over $1, 800 in one month! Most of those transactions were due to "pending deposits", where the debit card purchase was accepted, yet they charged me so they could hold the deposits (btw always from my local bank -literally across the street). I deposited over $11, 000 and had $8, 000 in debits, and then the $1, 800 + in fees. Which only perpetuated the domino effect, whereby my account continued to spiral out of control. Why would a bank take the chance in allowing so many overdrafts?
It amazes me how debits are cleared so quickly on one end, yet deposits in this day and age can take 2-5 days. When I did actually get through to customer service, they told me that their computer system is not advanced enough to recognize pending deposits. I think it is quite the opposite. The computer system is so advanced that they have figured out how to approve debit card purchases, knowing full well that the deposit has cleared. Otherwise why would any responsible bank allow 52 "overdrafts" in one month? If the account was that delinquent wouldn't you expect a call or at least your card be denied at some point?
This predatory practice is far worse than the credit card companies, and the interest rate is around 300%.
Needless to say I have switched to my local bank, yet TD Bank won't officially close my account, pending outstanding checks (from April 2009).
computer problems
No only did I have to wait days to get my direct deposit posted but the bank sent an amount equal to my mortgage payment to PECO putting my account in the red. Then they charged me overdraft.
I didn't see the 2nd payment on-line and after going to the bank discovered the customer service people couldn't see it either but after they called the IT division, waiting on hold for 45 minutes on their internal line (not the general public line, the IT people uncovered the 2nd payment. Of course, this is not their problem...I must have done it but I did it at 2 different times (they kept changing the time I did it) so I was out of luck. The customer service people in the branch were great and they were just as frustrated as I was. Finally, after insisting the IT person get a supervisor (He initially said there were no supervisors on duty but after I questioned the intelligence of not having a supervisor on duty after they screwed up everyones accounts he admitted there were 2 but he couldn't find one.). The mysterious supervisor finally got on the line and after 20 minutes of discussion she finally agreed to request a repayment from PECO but said she would be off 3 days next week so wait a week to call back and get information on the status of the request. Again...bank snaffu and a supervisor gets 3 days off. Not at my job. I would be there camped out on a cot until the problem was fixed or I would be out of a job. I asked for some sort of confirmation that the request would be made...no mechinism exists to notify me that a bank request has been made (no e-mail, no note on my account...nothing). Just call back and check with the on-line customer service again.
Now since they use an outside vender (didn't know that), they can't get the money back. I have to go to PECO and request a refund to because even if they send a request...PECO may not and does not have to respond to the request. Isn't that going to be fun. Talking to PECO is like talking to a telephone pole and now like talking to a TD North person.
I now have to transfer funds to TD North to make up for the over $1000 mistake to keep from adding additional bank charges and wait.
Monday I'm opening a new account in another bank.
The complaint has been investigated and resolved to the customer’s satisfaction.
I agree with you completely, PECO overcharges and then gouges customers to no end. Then in additon never provides any real services other than overpriced defective used products. Especially in the used computers which were from customers failed systems. The replacements parts are all from used defective PC componets. When requesting a refund the reply is always how the company or technician is never responsible then expects to charge the customer again for more defective parts.
PECO is a very poor business venture however very successful as a public scam.
they lost my Christmas club check, told me I had to wait until Oct12 "when all the checks should have been issued" and sent me on my way. Oct 12 has come and gone, and still no check. called my branch, only to be put on hold so long I hung up! i am still on hold as I type this gripe with the 888 number, and who knows when someone will pick up the phone!
i have already opened a new Christmas club at Newfield bank, and am having it direct deposited in their account, which I have conveniently opened in the meantime. good luck all you suckas still at TD bank!
Bear with them. They are one of the few banks in this mess that did not take TARP money, and for years they have done right by their customers. I know you're angry now, but it's a lot better than switching to the slimy Bank of America or any of the others.
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This is not how this situation should have been handled (I used to work there and know the PROPER procedure). The rep should have taken the card #, asked for the name on the card and contacted the accountholder to alert them. Sorry to hear that you had such an alarming experience.