TD Bank

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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.

I just went through the exact same thing 37 payments for 3 years never late and was told no I could not get a payment deferred! I am so disgusted with this bank. I have been with many banks in my 40 years and this is a first. I will be calling my credit union in the morning to refi and take my business elsewhere. I will put out a messgage to my 50k followers on social media to never do business with this bank! I am hurt and disgusted!

I too am having the same problem with TD Bank. I was also a loyal customer of Riverside National and have never missed a payment. I also have requested a loan deferment as a result to a hard month. My husband is active duty military who recently returned home from Iraq and with a change in duty station and myself being unemployed has caused a great deal of strain on our finances. The service, as well as the horrible criteria for loyal Americans who never miss payments on their bill is down right absurd! I am also am looking for a Refi with another financial institution as my husband fights for their right to call themselves cooperate America. I am disgusted with this institution and at every opportunity will inform friends, family, and the military community of such disservice.

I have had the same bad experience with TD Bank, where I had personal, business as well as Equity Credit line account (which I received by the way in 2 days 2 years ago). They gave me mortgage commitment letter very fast and ... 2 days before closing (!) decided to decline without any logical reason. Not only I have a perfect credit score, I also have assets (own my house). I have switched to PNC bank and closed in 3 weeks!

TD Bank/Commerce sucks. They are rude, careless, and love to blame YOU for their mistakes. I went to deposit a payroll check on a Friday, and carefully made sure to ask the teller if she was on the same banking day. She assured me she was, so I processed the check. On MONDAY, a check I wrote cleared and I received an overdraft fee of $35. When I wrote to customer service, they told me to call. When I called, they called me a liar first, then told me regardless of what the teller tells me, it has to be in before 6:00. Then they told me to go into the branch. When I went into the branch, they claimed they never said that it was in on the same banking day, and that they don't make it a practice to do that after 4:00. Talk about rude... And on top of this, they gave me some BS excuse about how they couldn't refund my fee because they had already refunded an overdraft fee from two months prior because of a similar F-up. Surprise Surprise!

So Anyway... I left them and went with another bank. If you're in NJ, Peapack-Gladstone is the way to go. They won't hit you with these insane fees, and are actually caring and accommodating to your needs. They will actually "WOW" and have gone above and beyond my expectations. Plus, they are still small enough so that their customer services hasn't been outsourced to a foreign country somewhere and their hiring standards are much greater. They hire competent staff, not rude, thoughtless, careless ###.

TD Bank is the biggest rip off ever. They steal your money right out of your account. They have online banking and the numbers from online banking dont match what "they" see on their screen. This is a bunch of ###! They claim their system updates in real time, but then they hold tranactions for days even though you see it removed from your balance. Its like magic that things appear later in time with a "fee" and no explanition. You have to call coustomer service and they have to search and prod then tell you such and such check/item was off. It dosent even show in the online banking. I know for sure they have a class action lawsuit in the future and I will be right on board. This last week they stole over $500.00 from me bouncing ### because of their fees, so I got fees caused by fees. Td bank your future in stealing is gonna be limited. ###!

I opened a free checking account only to find out 12 months later, it was not free. The have now charged me two maintenance fees and an overdraft fee, totaling $45.61. I want my $2 back. How are you going to send me to collections over a monthly maintenance fee and an overdraft charge on a maintenance fee. Close the account already. Really not America's most convenient bank. When I called in to ask about the account I was told that I had to give them a transaction. SO I had to log into online banking and research one. I never use the account and will be closing it. I will tell everyone who will listen how ridiculous this bank is.

They have the same WOW service in Canada, You see how they can screw you, make it look legal, and all you can say is WOW! - TD Bank got too big too fast, all they see is how they can get more "Green" out of your pocket. They call themselves "stores" to ensure you know, they are in the business to make money, your money!

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

Canadians SUCK ### in general and as a rule I avoid their ### business practices. TD Bank is a bank to drop like a turd on fire! NOTHING but ### from this low class ### disorgination. Pray they fail soon and get the hell out of the great USA where they don't belong!

I don't care what you say about this poster- they never once said that they spoke with someone out of the country.

the posters here who work for the bank underline how bad TD Bank's customer's service is. o employee2 and other idiots working for a bank - I don't care how your stupid industry works! I want to get stuff done. Do I need to know how the car works before I drive it? NO! If the car "doesn't work" they take it where they make it "go" again. Same is with banks. Get off your a55e5 and get back to creating better customer service.

Their customer service is in Lewiston, Maine and Cheery Hill, New Jersey [censored]! And yes, it was an uncollected funds fee. One less idiot that TD Bank has to worry about. Sorry Peapack-Gladstone.
Oh, and "GEDES", you probably didn't get your line because your DTI is through the roof. TD Bank didn't give you a loan because they don’t give money to any putz demanding it. BOA does, which is why the government gave them billions for handing money out like water.

I have never heard such stupidity. I work in banking, and this guy obviously got an UNCOLLECTED funds fee, not an overdraft fee, because his PAYROLL CHECK was made available for use at ATMs and through his debit card as a COURTESY. Think of it as the bank loaning you money until they COLLECT the funds from the bank the check is drawn off of. If you write a check and it comes through on the AVAILABLE (NOT CLEARED) funds, they pay the checks you wrote and charge you for writing what is essentially a bad check, because the money is...wait for it...UNCOLLECTED. Sorry the bank doesn't honor your ability to write checks prior to depositing money in your account. Read your disclosure, and if you "didn't get one", ask for one and read it.

stopurbtchn is obviously a shill for TD bank. Look at her comments, they only apply to TD bank and they are always on TD banks side. TD bank is a crappy bank and only a person that works for TD bank would ever side with them.

ur an idiot...its impossible to back date something

You didn't specify anything.

Maywood police department are stopping maywood citizens illegally all over the village for no lawfull reason and each one they stop they are telling us citizens that they got a call that u have a gun in your vehicle just to be searching your vehicle. The police department is harresing the maywood citizens just to search your vehicle i think that is very illegal to stop people for no reason.

TD BANK is heartless! Samething just happend to me. I got no where with them! Loyal customer for more that 10 years

they are the worst bank i kno. they have a connectiion with these credit collectors and they will put levy on your bank. dont ever b ank with TD Bank

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.

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.

Maggie,
While i agree with your statement about using a check register. TD Bank has WAY to many unethical and imo...illegal practices... including the reorganizing of the days charges from time of debit or charge to the highest amount to smallest. This practice can add several OD charges to your account when in fact there should only have been 1. And as for the register? should they be used ? yes . Are they? No... Grow up TD its 2010 and Ya'll act like its 1970.

I was a customer of Commerce Bank for years, and they were fantastic. Then it was taken over by TD Bank. Since then, every change that they have done, has made the bank worse and worse! The Commerce Bank's Bill Pay Online was flawless and your bills were paid quickly without problems. Now, TD Bank's Bill Pay Online is awful! When you click on it, it takes forever to load, and when you tell them to pay your bills, you had better expect them to be paid late. These are electronic transactions that should take no more than 24 hours, however, this new TD Bank Bill Pay system takes several DAYS to pay your bills. Often it takes 5 to 7 days! There is absolutely no reason for these delays.
The TD Bank website was recently changed again, and now it looks like a Playschool design. Forget about printing out your account details or balances from this new website, because it won't print properly. When I complained by secure message email on their site, I got a snotty response from some jerk saying it takes time to get used to the new changes. How the hell is that an answer? It's not. Unfortunately, that seems to be the new normal now for TD Bank's customer service. There is none, you have to take it or leave it. Well, I'm now looking for a better bank, that still believes that they should respect me, as it's MY MONEY that they are using to support themselves. If you are considering TD Bank, I would recommend that you look elsewhere. The original Commerce Bank was great, but they are long gone now.

MY nephew works for TD Bank, although I do not agree with some of the banks policies, I can tell you that my nephew is a good guy and would always be courteous to all his customers, please do not group all rude employees together, there are many good employees that more than make up for the rude ones.

Td bank is not a good bank for small business, they can ruin our business with this policy of holding check for 10 days. Also if you want to rent a car, please don't use TDBANK. They will hold your deposit for 1 month before they release it. This is not fair. This is ripoff
The regulating council should do something on this bank before they mess people business out.

I closed my account with a 0 (zero) balance. Four months later, they started calling me every day, telling them I owe them $111 for some charge that they said was "disputed" at the time when the account was closed, and therefore did not show on the statement at that time. I NEVER DISPUTED ANYTHING - they simply made the whole thing up, and I ended paying for the $111 twice (the second time after they forcefully re-opened my account).

I am still not very sure I got rid of them though - they ABSOLUTELY REFUSE TO SEND YOU ANY STATEMENTS or anything showing balances, transactions, etc, "because you no longer have an account with us." They call you on Saturdays and Sunday, in the middle of the night, etc.

Oh, I forgot to mention - the reason I closed the account is because you MUST have a balance of $100 or more at all times, otherwise they charge exorbitant fees. If you have any respect for your money, find ANY OTHER BANK. They are the devil!

you couldnt say it better there hold on checks is the worst they dont care if you go some where ealse they told me go had go to a nother bank see if they treat you better well when i can i am out over a week and still waiting for a check to clear they cant tell me when it is going to clear what the hell the branch has it say in when it clear td bank get your head out of you ###

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.

TD bank will instate policies such as 1. your deposited work check does which previously cleared in total now will only be cleared for 100.00 as opposed to the full amount it used to clear for. obviously things do not get paid, without you knowing they charge you a maximum overdraft fee. They really want your money so bad they will rip you off to get it. DO NOT use TD Bank unless you want them to rip off your hard earned money. i also got sent to three different branches to try to resove this. they deny it is their fault which it clearly is. terrible customer service.

yes because you withdrawing your 5000 dollars or so is going to bankrupt the bank. get a grip

There is no way for TD bank to know if a check drawn from another financial institution actually has the funds in there account to cover that check. As a COURTESY TD bank once made that check AVAILABLE the same day. It is different from actually clearing, it takes up to 5 days sometimes for it to actually CLEAR. If for some reason the paycheck you deposit is no good, and you spend that money not only will it be turned on you but also the bank and it is a returned check and you are also out of that money until the issue is resolved. I believe it is a good thing for the $100.00 availability policy, it stops a lot more fraud and causes less returned checks. They have a next day availability policy, as long as your in by 6 pm, your money will be available the next morning. In some cases, Tuesday morning if you get there after 6 pm on a Friday because of the weekend.

td blows and rapes everyone...its a fact so quite defending them

TD Bank could care less about you as a customer or if you stay with them or not. They have this illusion that they will continue to grow no matter how much they abuse the customers. For the most part, they have done just that. However, history tells us that greed driven, deceptive and abusive businesses, countries, and even vast empires all eventually crumble when they behave this way. The best thing any customer who is dissatisfied with TD can do is LEAVE. There is the embarrassment of choice with regards to other banks. No matter what some of the hackneyed defenders of TD say on this site, most other banks are far superior to TD. I have finally cut ties with TD and very happy I did. Interestingly enough, bankers at most other institutions are very aware of TD deceptive practices.

I recently lost my atm card for tdbank I went into the bank and reported the lost and asked them to cancel the card needless to say a few days after charges came in on the card which td bank paid then turned around and charge my account $140. in overdraft fees then to add insult to injury when I called to find out what was going on about my account the crappy customer service rep had the gall to hang up on me. Absolutely the worst bank ever. Needless to say I closed my account with them and never got my money back. Beware of TDbank they sucker you in with all this nicey, nicey crap until they get your money.

I don't owe TD bank any money therefore your Thief comment is just another example of how clueless you are and how unsubstantiated any of your arquements are. The original poster was given excessive fees that he or she would not have had at other banks. At my bank it would have been much less expensive. Even if you ignore that fact and insult me or the poster it doesn't change the reality of TD banks' excessive charges.

Stealing money? What are you talking about? I don't condone stealing money. A line of credit must be paid back. With TD bank an emergency expense can put a person up to $210 in the negative in one day if they have multiple $35 charges (plus monthly fees) compared to paying back interest at much less expense at another bank with no monthly fees or OD charges. You can bank at TD bank if you want & I'll stay at my bank. My words are full of logic but you haven't brought any logic to this chat. I'm done posting with you.

Also, Perfect with your check register person: Did you know that sometimes people have misc expenses such as when their vehicle breaks down, or hospital bills, & etc. If they don't have enough money saved to fix their problems then they might struggle financially even temporarily & then get slammed by charges at TD Bank. It doesn't mean that they are irresponsible with a check register.

A check for $1000 from TD Bank could not bring me back to that bank. It's a matter of principle now.

You'd have to be wealthy or Naive to choose an account that issues you a $35 charge per transaction when your balance goes a penny below zero rather than a different bank account that offers a line of credit at 07% interest. It is very seldom that I have needed it but I'll choose the better bank account that charges me less in service charges. Also TD Bank will charge you $15 if your checking account goes below $100. (It was previously a Simply Free checking account before they changed it during the recession) I'll choose the bank account with no minimum balance requirement at another bank. It even bears interest. The issue is not that most people are less responsible than you, The issue is that TD Bank's accounts do not match up with the features of other accounts at different banks. If the concept of comparing features of bank accounts is difficult for you to understand than your screen name Tired of Being Stupid makes sense. BTW I have a lot more than $100 in my account now. I was putting myself through school, & working full time to support my family. Even though my wealth surpasses their current minimum balance requirements I'll never bank with TD Bank again because of the excessive fees and charges that they gave to me at that time of my life. You really should stop judging people that you don't know. I've read stories from people with disabilities being taken advantage of by TD Bank. They prey upon the less fortunate in our society at the worst times with their excessive fees. I hope that you never struggle financially as many others have while banking with TD Bank.

rwhidbee,

I switched to another bank & everything changed. I have no more monthly fees, no minimum balance for my checking account, & the checking account is interest bearing. They automatically gave me a line of credit of $500 at 7% interest. I needed to use the line of credit twice this year & it cost me literally pennies before I paid it off a day later. TD Bank would have charged me $35 per transaction. Bottom line: TD Bank has expensive accounts that are inferior to other banks.

Tired of stupid, You are either wealthier than most TD Bank customers such as myself (I'm in the middle class income range & I've had more problems with TD Bank than I have ever had with any bank) and/or you work for them because you are choosing to defend a bank that is unethical & very expensive to the average customer. They raised minimum balances of checking accounts to Americans during the worst recessionthat we have had in decades. Of course there were going to be complaints from some people. TD Bank offers customers crap compared to what other banks due in regards to fees & services.

this bank hold my deposit and always overcharged me when I have money they don't release my money when I make a payment. I had to wait for very long time transaction to clear in order to use my money... hateeeeeed

Over the weekend, TD Bank merged with TD Bank north, I wish they prepare themselves for it. They are not having system glitches as one would expect...instead they have their whole operations on the standstill! Try accessing online banking - you are getting a message - If you need immediate assistance, please call [protected] - try dialing the number - what you hear is YOUR NUMBER CAN NOT BE COMPLETED AS DIALED! It gets even better, when you go to the branch, the manager will angrily tell you, that the system has been just integrated and they do not know how to work it. You can send a wire, but it the bank can not tell you when it will reach the recipient, you can not check your balance because the system in not allowing. To sum it up if your business has an account at TD Bank you can close your doors and go home, can run your business, can not do your accounting and TD Bank chose the end of the month to make you, your customers and vendors "happy". TD Bank America's Most INCONVENIENT Bank

TD Bank is the worst ever, they delayed my mortgage for 1 month and I eventually lost the house. I tried to contact the load processor via emails/phone calls/voice mails, unbelievably she wouldn't get back to me day after day, and even week after week. I tried calling her suppervisor, customer service, they are not helping!(all the BS like send her email, she will get back to you in 1 business day..blala..) and now I have to deal with them for the fees they charging me.

Stay away from this bank!

Don't loose 400$ like I did by opening an account at TD Bank. They are thief... Stay away.

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.

dexia in denizbank of turkey worse bank men. very bad. i am bankcart to make demands. i am sending two bank cart. where is my cart ? deniz dexia badd ..

i am gencay cetinkaya of turkey. [protected]