TD Bank review: overdraft fees 186

*Whats*

Whatas the matter Stealth? Couldn't make it in the writing field? Not even journalism? Poor bitter you!

SVH WE NEED TO REPORT THEM, THEY ARE PAID

You may be fooling others on this site but your definitely not fooling me. If Wells Fargo can pay, so can TD. It is not dollar signs that I see, rather a change. A change for individuals and hardworking familes who are victims of these unfair practices, financial institutions have put into place to benefit their bottom line. I am responsible and monitor my account day and night. The proof is in my documents, which provide a clear picture on how TD Bank manipulates/reorders transactions. And how cash deposits are even placed on hold after making the transaction at a teller before 1pm...

You know what you can go do with yourself, now don't you?

I'm not paying attention to this paid idiot! Lol
And thank you for the info Bofa!
He reported me as a spammer. Maybe I should contact complaints.com and inform them about his paid responses! Have you seen his replies and how much time he spends on the site... makes me sick!

Why would you report me as a spammer if I'm just trying to help those who have become victims of TD Banks unfair reordering of transactions? Go ahead and report me, I will be back again and again you Demon!

Maggie and Stealth Pilot among many others who post comments defending TD and other institutions, are either a bunch of idiots who work for these institutions or just plain old idiots... ignore them!

MY APOLOGIES IF THIS DOES NOT APPLY TO YOUR COMPLAINT. TRYING TO GET TD BANK TO PAY FOR WHAT THEY HAVE DONE TO THEIR CUSTOMERS!

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.

IGNORE THE PEOPLE WHO TELL YOU TO BLAME YOURSELVES! AND DO SOMETHING THAT WILL BENEFIT YOU AND OTHERS! WELLS FARGO HAD TO PAYOUT $300 MIL. HOPEFULLY WE'LL EVENTUALLY GET ALL BANKS TO DO THE RIGHT THING!

HAPPY HOLIDAYS TO YOU AND YOURS!

MY APOLOGIES IF THIS DOES NOT APPLY TO YOUR COMPLAINT. TRYING TO GET TD BANK TO PAY FOR WHAT THEY HAVE DONE TO THEIR CUSTOMERS!

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.

IGNORE THE PEOPLE WHO TELL YOU TO BLAME YOURSELVES! AND DO SOMETHING THAT WILL BENEFIT YOU AND OTHERS! WELLS FARGO HAD TO PAYOUT $300 MIL. HOPEFULLY WE'LL EVENTUALLY GET ALL BANKS TO DO THE RIGHT THING!

HAPPY HOLIDAYS TO YOU AND YOURS!

MY APOLOGIES IF THIS DOES NOT APPLY TO YOUR COMPLAINT. TRYING TO GET TD BANK TO PAY FOR WHAT THEY HAVE DONE TO THEIR CUSTOMERS!

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.

IGNORE THE PEOPLE WHO TELL YOU TO BLAME YOURSELVES! AND DO SOMETHING THAT WILL BENEFIT YOU AND OTHERS! WELLS FARGO HAD TO PAYOUT $300 MIL. HOPEFULLY WE'LL EVENTUALLY GET ALL BANKS TO DO THE RIGHT THING!

HAPPY HOLIDAYS TO YOU AND YOURS!

MY APOLOGIES IF THIS DOES NOT APPLY TO YOUR COMPLAINT. TRYING TO GET TD BANK TO PAY FOR WHAT THEY HAVE DONE TO THEIR CUSTOMERS!

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.

IGNORE THE PEOPLE WHO TELL YOU TO BLAME YOURSELVES! AND DO SOMETHING THAT WILL BENEFIT YOU AND OTHERS! WELLS FARGO HAD TO PAYOUT $300 MIL. HOPEFULLY WE'LL EVENTUALLY GET ALL BANKS TO DO THE RIGHT THING!

HAPPY HOLIDAYS TO YOU AND YOURS!

MY APOLOGIES IF THIS DOES NOT APPLY TO YOUR COMPLAINT. TRYING TO GET TD BANK TO PAY FOR WHAT THEY HAVE DONE TO THEIR CUSTOMERS!

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.

IGNORE THE PEOPLE WHO TELL YOU TO BLAME YOURSELVES! AND DO SOMETHING THAT WILL BENEFIT YOU AND OTHERS! WELLS FARGO HAD TO PAYOUT $300 MIL. HOPEFULLY WE'LL EVENTUALLY GET ALL BANKS TO DO THE RIGHT THING!

HAPPY HOLIDAYS TO YOU AND YOURS!

Not interested in the money Maggie.
More interested in having these financial institutions re-visit their practices, policies, and procedures.

A Hobby?
People need to ignore this Maggie person...
Printing activity and sticking it in an envelope takes 1-2 minutes of your time.
Documenting is always the smart thing to do!
AND
Last but not least, getting these banks to pay for their unfair practices is a good thing for everyone!
These banks need to stop clearing items in an order that benefits them and screws the consumer out of hard earned money. They also need to stop holding on Direct deposits. THIEVES!

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.

Save all of this info and remit to Attorneys

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 to help your case:
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). Stood banking with them just to do so! THATS RIGHT!

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.

Sincerely, ANGRY CUSTOMER

Here here I totally agree (with the original complaint).

I hate TD ###in bank. We really need to band together and enough complaints will cause someone to represent us.

I'll tell you what is "sad". "Not so stealth pilot" posting 2, 861 comments.

Screw banks. I'm closing my TD Bank account for this very reason. I'm sticking with my credit union from now on.

Maggie - if you don't want to receive overdraft fees, then keep track of your account balance and don't make NSF payments. Duh! What planet are you from?

NIKKI,
You have to be on Fu**ind drugs if you do not grasp the issue here and attack up as those that did wrong for this country.

You work for a bunch of spineless ### that's why your point of is the way it is.

Good Day

All of you on here that are overdrawing your bank accounts are exactly what is wrong with this country! I used to work at TD Bank before they merged (and a few months afterward) and I've ALWAYS had people coming in sitting at my desk saying "Well, what had happened was...". Here's how it works, try to keep up: This bank is not a bad bank; they're simply operating the way banks operate. Even though many TD locations are open late, that doesn't mean your cash deposit is on that day's date. If it's Tuesday after, say around 5pm, your deposit is active as of Wednesday. Period, no ifs ands or buts about it. If you make a debit card purchase or put it on credit on Tuesday after the deposit then you're going to get what they call an Unavailable Funds Fee; this is different than a nonsufficient funds fee. You will still get charged the $35 for each and every transaction. USE CASH. The same goes for online payments; wait until Wednesday for it to officially post. It's not rocket science.

We are already enslaved. Nothing is going to change for better anytime foreseeable.
Look at England! A Fricking police state. And it is here in US also just sit back and watch the plan unfold.

Hello fellow over drafters :)

Everyone has to agree that the Big Banks are F***ing as all around with the fees they charge! No one cares except us that get charged $35.00 per overdraft for something that computer takes care of in a split of a second!. $10.00 overdraft fee i would understand but those ### are screwing us with the smile on their faces from behind in the middle of the street while everyone is watching and unable to do anything about it. There is no changes coming! It is too big of a profit for them! The only thing they will do is educate us a bit about how to link a savings account to your checking account so when the overdraft happens money will be transferred from one account to the other! AND THERE IS A $5.00 fee for that also :) ###. Also they want you to get a credit card from them to just in case you have no savings account the overdraft will be pulled from the credit card which in turn if you do not pay on time will acquire an interest fee :) ATM fees and Fricking fees for checking and savings accounts those Mother Crackers charge now are beyond me... This was planned for a long time without us even knowing whats coming. Well it is here to stay or transform into other ways they can manipulate us into paying them more and more fees.

Wachovia is the worst from my point of view then Bank of America followed by TD Bank.

I did manage to find a bank that charges only $9 for overdraft fees and covers up to $200 if it happens so your bills get paid.

Well i wish you well and beware of not just the banks but all big companies as they all screwing as blindfolded.

XzipoX

I totally agree with you I had the same problem last year an I am tatally 100% will to file a class action suit with you. I had my attorney call his accountant an we met in his office to go over my account which I hold two accounts with them. I have a pending investigation going on with TD bank now. Also read today they police on online banking and do you know they are not responsible for our money if they is a computer malfucntion, or act of God as they put it, war, government. I think we are together and stop these banks from taking our money. An pleases people read your statement, their policies, an waivers and make sure your money is insures.
contact dm at dwan949@comcast.net

@Stealth Pilot - ###, ###, ###! You need another round with that hubby of yours. Make it two. We all have 3 minutes to wait!

@Stealth Pilot - They're only contradictory to a bumpkin from the backwater of South Dakota. My nephew told me what to write to trolls on the Internet. Let's see if I can remember it?

Oh yes. STFU.

@TheLoveFist II - It's quite all right. Are you sure? It's quite lovely. A nice Darjeeling.

@TheLoveFist II - Read my profile, dear. I'm north of the border, like you.

Tea?

@Stealth Pilot - And the debits don't debit until the next business day either. Go back and read my earlier comments, troll. It's pretty clear. And Auntie is now done with you.

@gkenimatic - Auntie would love to hear the horror stories from the other side of the fence. Truth is a three-edged sword -- there's your side, their side and the truth. Send me a private with a couple.

@Stealth Pilot - The other kids made fun of you didn't they? Try this on for size, puddin'. Little tiny fact that seems to be passing you by. They had the money. Deposited on Sunday. Did the complaintant make a mistake? You betcha. Should the deposit to cover the spending been done first thing Saturday? Yep. Should they have just used the cash to make purchases instead of their debit card? Yep.

[Auntie smacks your hand with a wooden spoon] And that's for being an idiot Internet troll. Play nice. No tea for you.

@gkenigmatic - Auntie has never gamed a bank in her many years, dear. (Though, I have screwed up and overdrafted an account once or twice because I didn't enter something in my checkbook or, later, Quicken). Banks make untold millions with little gems like these. One of my boys works as a programmer for a major bank in Toronto. He's told me some interesting stories about how our banks work.

@Stealth Pilot: Oh, and you know all about banking in Canada being from South Dakota? Sweetie, Saturday and Sunday are not processing days for banks here. When they ramp up on Monday morning, they do process the debits first and then the credits. TD is especially known for this. Had the bank processed the deposit first, the customer would have had no problem at all. But they don't do that.

Now, go put on your Junior Birdman goggles and play aeroplanes outside with the other kids. Here's a cookie to take with you. Don't forget a sweater.

Oh dear. Such a kerfuffle.

To the original complaintant, I'll say this. It may have been said before, but Auntie grew tired of all the back-biting and sniping and stopped reading comments.

Sit down, dear. [shoves a cup of tea your way]

It's like this. TD is well-known in Canada for processing withdrawals from accounts then processing the deposits. My nephew got caught the same way. This is to trip up customers like you, dear. It isn't a matter of whether you're good with your money or not or keep a very good register. The fact is, the system is stacked in their favor.

By processing withdrawls (and that includes debits from the debit card) first, they hope this will result in overdrafts. Then they can start charging a fee for each OD that happens. This is called "revenue generating". And because of the fees being taken out, even more withdrawals/payments can bounce.

Another way they get you is by processing deposits made through ATMs slower. You said you spent money on Saturday and deposited on Sunday. What some of the more nastier folks commenting failed to grasp is: you already had funds in your account to cover the debit and, in good faith, deposited further funds to cover your purchases on Saturday. But Saturday and Sunday are not business days. So the deposit is held pending verification. TD is known for holding deposits (even of cash) made at their ATMs on weekends for up to 72 hours.

The best way to avoid this is to not deposit cash on weekends. Instead, if you have a savings account, transfer the funds from there. Transfers are rarely held and the funds are available immediately.

The banks do game the system. They do process debits before credits. And they do it to provke these kinds of fees.

Cookie, dear?

I have the same issue with TD and their "creative banking" with overdraft fees. I've been charged, on multiple occasions, $105 OD fees when I was not negative nor would I have ever gone negative if they didn't slam me with charges that were unfounded, and then was charged even more excessive ones following those charges. I've compiled all my statements and compiled all the facts in a spreadsheet and in a matter of 6 months of having an account, they ripped me off over $800. It's ridiculous. And when I approached them with all the information clearly proving they ripped me off, they gave me the most creative excuses I've ever heard, but they couldn't actually show me any proof. They just kept telling me that "that's how it works" while not really fully explaining anything. I only went as far as the manager of my local branch and I do not know who to go to with my complaint now.

I must let you all on a secret about the banking system, they are out to make money on those who do not make a lot of money. I use to work for a major bank and watched how the rich got away with huge credit lines on credit cards and they have a very low credit score, like a score in the 400 range. Whereas the poor must have an excellent credit score and will get a very low credit line. Also, banks take those kinds of risk of charging fees until a class action suit is filed against the bank for how they handled an issue. I say to all, read your terms and know what rights you have as an account holder. Fight your case if you feel you have been wrongly treated. Write to the AG of where the bank is HQ'd. Write an executive complaint to the bank's office of the CEO or President. Remember, the executives do not always know what goes on daily on the lower levels.

(see attachmnet)
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.

(see attachmnet)
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.