TD Bank
Reviews and Complaints

I have to say TD Bank should be forced out of business. They have acted so unprofessional and unorganized with me and my business. Commerce they are no longer. They have given me the run-around with excuse after excuse about a certain transaction I'm trying to execute, and it's now two months later! They've held funds, my business is suffering, they've done personal damage to my character because of all the delays; and the delays are all because of how unorganized they are. They never have given me a straight story and blame all the inept idiocy on "new banking policies." I am so frustrated. I feel at times I'm going to suffer a heart attack over it as I have a business to run and can't function properly because of their absolute worthless service. They are unprofessional and have no clue about customer service anymore. As soon as I can, I'm leaving TD BANK, and NEVER looking back. Good riddance. You deserve to lose my business and you deserve to fail TD BANK.

I was charged $100s of dollars in overdraft fees on pending authorizations. I checked in to a hotel that authorized a large sum for security. When the actual charges came in the authorization was still on the account and they charged me overdraft fees. The next day the hold came off! They charged me fees on money I didn't even spend! Then the branch manager told me it was my fault and that "pending authorization holds" count against my available balance regardless of if they're actual charges or not!

I also had issues with td not releasing authorization holds in the past from enterprise rent a car. I had an authorization hold on the account for nearly a month with both myself and the enterprise location manager working to remove it. Enterprise faxed td information twice to remove the hold and they refused to do each time. They refused to remove the hold even when the company that placed it faxed them telling them the bill was settled! I have a recorded conversation with the consent of enterprise where the manager states that td bank has done this with several other customers and they advise customers not to use their td bank debit cards to rent cars with.

Td bank is awful and needs to stop this money kiting fraud they're pulling on customers.

Who wants to get in on a class action with me?

TD Bank lies. I was a happy customer of Commerce bank for many years. I like the free checking, free ATM use at any ATM and 7 day service. TD bank took Commerce over a couple of years ago. They promise that they would keep all of the mentioned popular services that Commerce had. I knew it was probably a lie. I knew sooner or later they would get rid of the free services and sure enough on March 9th they ended. The only thing they still have is the 7 day week. TD Bank is convenient for me because there is a branch fairly close by. Even so it is out of the way from the routes I normally travel so it would be a hassle to go to the branch to save the $2 ATM fees. I don’t like to do business with companies that deceive so I’m going to close my account and find another bank even if it charges fees.

I am warning anyone from banking with TD bank. This warning runs deeper.
I paid off a secured loan 1.5 years early. It was for 5, 000 dollars. I applied for another one, trying to work on improving my credit. I was going to use this to pay off my last credit card.
I was turned down. I was putting the $5, 000 dollar collateral into their hands. They had the money up front.
It says a great deal about a bank when you have money to hand over and you wish to do business with them and they turn you down. Again, if I lost my job, was run over by a train, they had the money in hand.
I am pulling away from this bank this summer and taking my accounts with me.
Pathetic.

http://start.cortera.com/company/research/k8q4owp0l/pazz-productions-llc/
I had an item listed on craigslist.org for $20 and got a check from Pazz Productions, LLC for $2, 900.00 and received a BAD AND FAKE CHECK. The bank they deal with is TD Bank North as stated above. TD Bank North is who this complaint is against. Whomever the "buyer" was had the check mailed from Austin Texas! The check was see through, really thin, the corners started to separate and the memo on the check says "pay if less than 5000". This check was addressed to me personally. From what I've read, TD Bank North is a Canadian Corporation. Before the check arrived at my house yesterday, USPS.com said it was coming from CA so I was assuming California. Maybe it meant Canada? I'm not sure. Anyways, No payment was accepted since the check was TOTALLY FAKE! WHY WOULD SOMEONE WRITE AND MAIL A "COMPANY CHECK" unlike the buyer said he was mailing a "CASHIER'S CHECK", for $2, 900.00 when my listing WAS ONLY $20?! NOW THE BUYER WANTS ME TO "WIRE HIM THE DIFFERENCE IN CURRENCY OR WIRE HIM HIS "CHANGE" BACK?!" WHY?!

Stay away from TD Bank, save your money.
Their online system is totally disengaged from reality. Sequence of transactions doesn’t jive with reality, so your balance becomes negative and TD Bank will change you with overdraft fees. Customer service would not help you at all. They did agree in local branch and suggested not to use online tools to check account balance or look at my transactions, instead they suggested to use a registry book (a paper version of my balance). It is 2011 and I should be able to check my balance and it should be accurate. One day I walked in local branch and asked for my balance; the teller said that they can only tell me what balance I had two day ago. Is this a bank institution or a joke? I think after they became TD Bank, they outsourced and modified transactions processing, because for many years with Commerce Bank I haven’t seen such discrepancy. Few month ago my balance went from $3000 to -$3000 (3k negative). They froze my account and also admitted that it was due to programming glitch. It happened on Friday, so they suggested to wait till Monday till they resolve this issue. I could not use my hard earned money entire weekend, I could not buy anything for my wife and kids. This is ridiculous. I’ve had a very discussing and frustrating experience with TD Bank and just want to let you know what I’ve been through, so you don’t go through this like many people did including myself. I switched to PNC bank and I really enjoy great online tools and awesome customer service. TD Bank will go out of business.

I tried to pay a bill to "State Farm Specialty Products" - a division of State Farm that does not accept electronic payments. All prior payments went correctly via paper check. But the January 2011 payment was sent by TD Bank (actually a third party that handles their online payments) electronically to State Farm. It was returned since State Farm does not handle Specialty Products bill payments. I called TD and told then NOT to send it electronically, and the payee was reset to paper check. Then I resubmitted payment and it went electronically, and was returned, again. State Farm customer "service" said there was nothing they could do. Escalating to the supervisor, I got the same answer and they even refused to put me directly in touch with their third-party payment processor so I could correct the problem myself.

I was 3000 miles away from home in San Francisco after relocating for a new job, withdrawing money from a local California bank's ATM when the machine malfunctions, displaying an unintelligible error message, and "freezes, " refusing to give me my card back or respond to any more keys being pressed. "No big deal", I thought - "I have cash, and I can just come back tomorrow morning to get my card from the bank that owns this atm." Well the bank that owned the ATM refused to give me my card back. They said it's policy for to destroy cards from out of state banks (I watched through the teller window as the woman held my card up in front of me and showed me that she had it). Well, I still had my AMEX card and $100 in cash.

None of that was TD's fault - but the following sure as hell was...I called TD to get a replacement card sent to San Francisco, which required me to send a fax to their "fulfillment" department with the alternative address and my signature, giving them permission. I gladly composed the fax and sent it from a UPS store, calling the next morning (I sent the fax at 6PM PST) to make sure they received the fax. The woman on the phone says "I'm sorry - we have no record of any incoming faxes from you." Now I'm starting to get worried - I'm close to my limit on my AMEX card, and I'm down to $60 cash. "OK, do I have the proper number and information?" I ask the customer service rep. She confirms that I do, so I decide to use my new employer's fax machine this time, so I can confirm myself that the fax was sent successfully.

About an hour and a half later I call TD customer service to get confirmation that the second fax went through. This is where things get hilarious . He says, "We have no access to the fulfillment department. There's no way I could tell you whether or not they received the fax, so there's no way the first customer service representative could have told you whether or not your fax was successful. I'm not sure what she was referring to." I'm pretty furious at this point, but I refuse to take it out on the customer service rep. I send the fax a third time from a local print shop, assuming that maybe I somehow screwed up the fax the first two times, and a couple of hours later I call again for confirmation. I get a repeat of the last story "We couldn't tell you whether or not they received the fax, but rest assured if you sent it, they've received it and your card is on its way."

In case you weren't aware it's expensive out here in San Francisco, and I'm now on day three of not having access to my checking account. On the third day I've maxed out my AMEX card and have $30 in cash left. That means I can't afford to stay in my hotel for the night or buy gas for my car - I can only afford to eat at this point. I visited various local check cashing stores to try and cash a check to myself, but they refuse to cash either personal checks or out of state checks (depending on which location I visit). I try to send a Western Union wire to myself, but that's not allowed, so I ask a coworker if she'll let me wire the money to her (keep in mind this is a woman I met 2 day ago, so this is pretty embarrassing). She agrees, but after I go through the process of initiating the wire, Western Union refuses the transfer because my phone number (my iPhone number from AT&T) is "unlisted" so they can't confirm my identity.

At the end of day three I decide to login to TD's online banking and send a message to customer service through that system, to see if it made any difference. My message contained my name, my situation, my account number, my home address and the address I was requesting to have the card mailed to. I made sure to emphasize the urgency of the situation, telling them that after this third day I would be sleeping in my car until I received a replacement card. I got a response 18 hours later saying something along the lines of "Sorry for the inconvenience. We'll be happy to send you a replacement if you reply to us with the following information: Your name, account number, the address you want the card sent to and whether or not you'd like the card overnighted." FOR GODS SAKE MAN - DID YOU EVEN READ THE MESSAGE I JUST SENT YOU? IT LITERALLY CONTAINED ALL OF THE INFORMATION YOU'RE ASKING FOR.

Once again, without losing my temper, I sent a reply with all of the information he asked for, and I received a reply 4 hours later telling me that the replacement request has FINALLY been processed and (this is exact language) "a replacement will be overnighted to you. It should arrive in 2-4 business days." WHAT THE...Since when does "overnight" mean in 2-4 days from now? This message arrived on a Saturday - the original fax was sent on a Tuesday, so the replacement card took 8 days to arrive. All three faxes were sent between Tuesday and Wednesday, and seeing as how the number was 100% correct according to 3 customer service reps, and three different people attempted to send the fax, I have to assume at least one of them went through successfully, yet fulfillment ignored the request. I even put my phone number on all three faxes, noting "If there is any information missing, please call me at XXXX. It is imperative that this is processed immediately due to the urgent nature of the situation."

I'm extremely disappointed in TD Bank at this point. Not only did their system/protocol for "overnighting" replacement cards to an alternative address completely fail, at least one customer service representative had to have lied to me. Either they do have access to the incoming faxes received by fulfillment or they don't. I was told two different things by the 4 representatives that I spoke to. I've also learned that just about every other major bank chain offers some form of wire transfer or overnight fund transfer through their online banking systems (citibank, chase for example), even to other banking institutions - a feature that is painfully lacking at TD. Chase lets you take a picture of a check on your iPhone to deposit it instantly into your account. What does TD have technology-wise that is even close to something like that? If you're on the east coast and looking for a new bank to start an account with avoid TD at all costs. Be smart and get an account at a national chain, so that you don't get screwed over like me when you travel.

I went to a TD Bank in Queens on 9/7/10 to apply for a re-financing of my mortgage. As I have a well-paying job, some monies in the bank, and credit scores in the high 700s and low 800s, I was conditionally approved for a 3.75% 15-year rate right away. After that, the nightmare began. Although I asked and asked (via email and telephone) to find out exactly what documents were needed, I did not receive the list for almost a month. That left me with a month to scramble to get info together from my co-op and my own records. I diligently worked at faxing info to the representative, but would usually not hear from her for a week at a time. Meanwhile, I was left wondering if she had received my faxes. By the way, I would send an email to her each time I sent documents. In other words, I did everything right. Well, after 60 days, a rate-lock expires. So, on the 59th day, she calls me (after not hearing from her for over a week) and she tells me that the loan has been turned down due to the co-op having outstanding liens. I am sure they knew about these before, and the co-op even wrote a letter of indemnity (which waives TD from any responsibility for the debt.) Not only did I not get to re-finance, but TD charged me $600 for "cancelling" the rate lock and nearly $600 in other fees. I have been scammed.

Bought a water filtration system thru Puronics in June 2010. Their financing is thru TD Bank. I pay my bill on time, usually 10 to 14 days before the due date. I use electronic bill pay thru Bank of America. The funds leave my account way before the due date, yet TD bank for some reason does not post them to my account until several days after the due date, thus generating a "late charge" fee and screwing with my credit. I have never had this issue with any other company. I'm just dying to know where my money is before it gets posted...floating around cyber-space for 10 days?

I have a savings account at TD Bank. I received a check that had my name on it as well as my father's name on it. Because his name was on the check, he came with me to deposit into my account. The only available teller open was the store manager, who was a squirrely man with a temper. He told me that the check would be clear within 24 hours, which I thought was fine. I came back later that week to withdraw some money for my brother's birthday present. But because my father's name was on the check, that he had also endorsed, the money wasn't available. The store manager said that the only way to withdraw any of that money was if my father drove down to that specific TD bank and sign a clearance form, a paper that wasn't ever mentioned to myself or my father.

This bank is also very, very unprofessional. I asked the teller, who was the assistant store manager, why the funds were not available. She responded with "I don't know, cause there isn't any money." I have an account with a passbook, and when any amount is deposited or withdrawn it marks the current balance. She checked the passbook and then said "there isn't any money." She then wouldn't help me and just stared at the computer, until I flagged down the manager and asked him to help.

This bank is terrible! I have recently switched over to Laconia Savings Bank and everything has been great!

Let me start by saying that we are a single income family with three children, all in school. After a rough financial year in 2009, we've spent most of 2010 playing catch up and just trying to make ends meet. Running a household on one income is not an easy thing to do as I'm sure many of you know. I started noticing these insane overdraft fee's being deducted from our account back in September when school began. They hit us with $175 which is a lot of money to us. Especially when school supplies & uniforms and all that good stuff need to be purchased. I am by no means saying that we never go negative in our account because there are times when we do and a fee is of course warranted...however I began noticing that TD seems to have this very calculated way of picking & choosing what they clear and when they clear it and it's ALWAYS in their best interest. The latest incident, which is what provoked me to begin looking into their practices and ultimately brought me to this sight began this past weekend. We noticed that we were negative in our account after 5 pending items had come in. We made two separate cash deposits to cover this negative balance over the weekend. I wake this morning to find that we were hit with $175 in overdraft fees. I checked our history and saw that both deposits were "cleared" on the 29th and two of the five pending items were also paid out on the 29th. How convenient. So someone please explain to me what the $175 is for ? If I were hit with say $70 in overdraft fees I would say ok...two pending items came in, the cash hadn't cleared yet and they paid it out anyway, we owe them $70 for doing so. But $175 for what ? There are still 3 items in pending which haven't even cleared yet...how are you charging me an overdraft fee for that ? I could go on and on here but the bottom line is that TD BANK IS JUST PLAIN AWFUL to their customers. When you call customer service it's like they are reading off of a cue card and that's all they have for you. No help, no assistance just some well thought out explanation of why they are taking money from you. It's Christmas time folks...that $175 could have bought a lot of gifts for my kids, instead it is sitting with TD BANK...I plan on reading every last complaint here to find out where and who I have to talk to to shed some light on their unethical, immoral and plain old WRONG way of doing things.

customers service of td bank [protected] all the people who works there, they are all sucks. they do not really helping customers. before i, explain the situation that made me called them until finish, they cut me off! and then they yelling at me back! all of them! it happens so many times, even i talked to the one in charge, she yelling at me back and rudely saying that she can easily erased their mistake on overdraft fee but she won't do it and specifically saying she doesn't care about our situation even though we have newborn baby! HOW RUDE IS THAT? as customers service they should understand about dissatisfy customers that furious on the phone and not yelling back at customers! they should still can talk calm and try to make customers calming down and solve the problems that is good for both sides! not yelling at customers back! that is customers service job is! if every time we(customers) have problems they should solve it in good ways not just saying that we(customers) have to go to one of the branches to totally fix it. if that the case, why bother td bank having customers service by the phone if they all really not helping at all and so rude on the phone plus really sarcastic, even the manager or the one in charge itself is very super duper sarcastic to customers?

Since taking over Riverside National Bank of Florida, it has become an appalling nightmare of screwed up mortgages, escrow accounts, statements, etc.

Repeated attempts to seek even basic corrections is met with The Worst Customer Service in the World. If any tangible service is provided, its only so they can charge for it.

Unbelievable runaround! Dozens of phone calls, emails, personal visits and NOTHING GETS SOLVED! You are stuck dealing with anonymous people on the phone who are too chicken to even give their full name and no one in person can do anything but hand you the phone number to those anonymous people.

All the folks we steered to the bank when it was Riverside are running for their financial lives. We are so fed up, we are looking into a class action lawsuit.

Since taking over Riverside National Bank of Florida, it has become an appalling nightmare of screwed up mortgages, escrow accounts, statements, etc.

Repeated attempts to seek even basic corrections is met with The Worst Customer Service in the World. If any tangible service is provided, its only so they can charge for it.

Unbelievable runaround! Dozens of phone calls, emails, personal visits and NOTHING GETS SOLVED! You are stuck dealing with anonymous people on the phone who are too chicken to even give their full name and no one in person can do anything but hand you the phone number to those anonymous people.

All the folks we steered to the bank when it was Riverside are running for their financial lives. We are so fed up, we are looking into a class action lawsuit.

This is about the 10th time TD has done this to me over about a 3 year span and I'm done with them. Most recently they held on to a bunch of transactions and a check and dumped them all in one day and put me in the hole about $500.00.

I put in a deposit this morning ... this afternoon I went shopping and my card was declined. I went to the bank to ask why. They had no record of my deposit, it took them 20 minutes to figure out it went into an account other than my own, then they demanded to know how I got that account number when it was THEIR OWN TELLER who wrote it on the slip. As it turned out, they deposited THE CHECK THAT MY FIANCE WROTE FOR ME INTO MY FIANCE'S ACCOUNT. And the woman looking over the stuff sighed and said in a NASTY tone "Oh, that's her boyfriend. Unless you guys aren't together anymore." As if that's somehow RELEVANT to the fact that THEY screwed up and wrote the wrong account number. I was treated like some sort of thief when I didn't do a damn thing wrong and then I had my personal life scrutinized in front of my 5 year-old son, who was sitting with me while this lady yelled -- yes, yelled -- at me about how this was somehow MY fault. They then told me that the way to prevent this from happening again was to not use deposit slips. HUH?! Not to mention just last week they charged my fiance $895 in overdrafts. No apologies. Nothing. All my fault, apparently, that their teller wrote the wrong account number on the deposit slip. And it's totally their business whether or not my fiance and I are still together, right?

I have a home equity loan with Commerce Bank. When TD Bank bought Commerce, my nightmare began.

I had my loan set up for biweekly automatic payments. This was fine under Commerce but shortly after TD Bank took over, I started getting late notices. I couldn't figure this out since the payments were being deducted from my account every two weeks.

I contacted TD Bank and was told that my payments had been incorrectly posted as principle only, showing as no intereste paid. They admitted this was their mistake, but had not explantion for how it happened. They said they would fix it but by the time they did, they had reported me as delinquent to the credit bureau.

I called back to tell them they needed to rectify this and they said they would turn it over to the person who handles errors with the credit bureau. Imagine, they have an employee assigned full-time to fix information they've erroneously reported on their customer's credit bureau file.

I was supposed to receive a call back in a few days but never did. Of course they would not give me the contact info for the person who handles rectifying the erroneous info being sent. After speaking to several more people at TD Bank over several months, I got nowwhere.

The next thing that happened was they just stopped deducting my loan payment from my account. When I called to ask why they said TD cannot process biweekly payments, only monthly automatic payments. I said it would have been nice if I had been told this. They said they had mailed notices out but I read every piece of mail from my bank and I never received this notification.

When I spoke to someone in the loan dept she said that it was because in the computer switch over (remember when the bank couldn't process anything for 3 days?) from Commerce to TD, several loans were just "dropped off" and mine was one of them. So the whole "we notified you" was a load of crap.

At this point I cancelled my automatic payments and said I would just make the payment myself each month. So each month I go online and pay my loan electronically. However I suddenly start getting notices that I'm a month behind. I look at all my payments which are current, call TD again, and they can't explain it. So in order to not have my loan looking like it's behind, I make an extra payment.

For 6 months I have been doing this. Each month I go online and my loan shows "no payment due" for the current month and the next payment due the following month. But I make a payment anyway, just to be safe.

Then in October, I suddenly see almost $800 deducted from my savings account. Under the column that describes what it's for it just says my name. I immediately call TD Bank and no one can figure out why this money was deducted from my account. The CSR gets her supervisor and they still can't figure it out. So they call my local branch.

The local brank says it's for my home equity loan! I tell them I am not set up for automatic payments, the amount they deducted isn't my loan amount, and my next payment isn't even due until November! Their answer is they will "research" it and it will take 10-15 days. In the meantime, they won't put my money back in my account. I am freaking out at this point.

So they transfer me to the loan dept and I speak to Matthew. He promises to expedite the research and have the money back in my account in 2-3 days but says I should call on Wednesday to make sure it's there.

I check online on Wednesday and the money isn't there. I call the loan dept and speak to Kelly who is rude, condescending and totally unhelpful. She says all she can do is put it in for researach and it will take 10-15 days. I reiterate that TD has taken my money with no authorization and I want it back. Kelly said no. I told her that Matthew said I would have the money back that day and she didn't even want to look up the notes on my account to verify this. She finally did and said Matthew only put in the notes that he would expedite the research process.

So I said "then Matthew basically lied to me." She refused to comment and just kept repeating that she would put it in for reserach and it would take 10-15 days. I was ready to scream. But instead I asked to speak to a manager. She just keep repeating her mantra "I'll put this in for research. It will take 10-15 days." She said this about 5 times ignoring everything I was saying. What a ***!

I kept insisting on talking to a manager and she finally put me on hold. After a very long wait a manager, Nick, came on the line, apologized and said I would have the money back in my account that afternoon. Amazing! However, he said I would need to write a letter saying I no longer wanted automatic payments deducted from my account, and I would have to fax or drop it off since they needed my signature.

I repeated several times that I did not have automatic payments and hadn't for almost a year. He said he understood but said it was showing in their records that I was set up for automatic payment since January 2010. I then asked why, if that was the case, in 10 months, a payment had never before been deducted from my account. I also asked why they would deduct a totally different amount that my loan payment amount, and take it out a month before it was due. He couldn't explain but said I would need to drop the letter off in order to prevent this from happening again.

I replied that it was amazing that they hadn't needed my signature to set me up for automatic payments that I never requested, and could take random amounts of money out of my account with no explaination, but they needed my signature to stop doing something they did without my authorization in the first place!

I also told him that my very next step would be to transfer this loan to another lender and close all of my TD Bank accounts.

But the story doesn't end here.

The money wasn't in my account that afternoon, or the next morning. I called TD Bank again and was told that it had to be in the "overnight run" and it hadn't been submitted in time the previous day. Funny, since I spoke to them at 10:30 am!

The woman I spoke to, Marie, was very nice, helpful and professional. She is an anomaly in the TD Bank world but I am grateful for her help. The money finally went back into my account. I gave them the letter with my signature. Even though it aggravated me to have to write a letter to ask them to stop something I never asked them to do, it was easier to just write the letter and (hopefully) avoid another problem.

And by the way, now they're telling me my Oct loan payment is due, even though their online system says a payment isn't due until November.

My complaint is not related to over-draft fees or other penalties related to not meeting minimum requirements by the customer. My complaint with TD Bank stems from what I believe are poor internal controls and what I believe are lack of efforts or concerns with the management to to correct the problems. The management seems to exhibit a stubborn and arrogant approach when a customer approaches them with a problem with affected the customer and tried to find way to focus the blaim away from them and toawards the customer.

I have been a Commerce / TD Bank customer for almost ten years. When they were Commerce Bank, I never had any issues with them. In fact, I persuaded many of my friends to switch over to Commerce Bank because of their great service and no fee structure. I believe all these problems started after TD took over.

Just to give you a profile, I am a married man, annual income is about $175K to @200K per year. Avg. monthly deposit into my account per month is about $15K and carry a monthly avg. balance of approximately $3K to $4K. I have never had issues with not meeting minimum balances or over-drafts.

One day I wake up and check my online account (which I do everyday), I noticed three mysterious charges going through my account totaling about $150. The vendors names had GBR / Vodafone or things that would lead you to believe that someone from England had access to my account.

I immediately called the bank, and they informed me that other charges were attempted last night for $300 and $400 respectively, but were blocked due to suspicious nature. They asked me to go to a local office and complete a Schedule E from to file a formal complaint. I did as I was instucted, they issued me a new debit card and told me that I will receive a tenative credit back until further investigations. At this point, I was under the impression that someone at a store I went to must have made a electronic impression or copied my card info and went on a shopping spree. I though all was well...

Then two weeks later, one of my wife's friend asked for a small loan of $1, 000. My wife and I stopped by my primary location and took out a counter withdraw of $1, 000 and asked the teller to put all the bills (which were in $100's) in an envelope. I never bothered to check the bills of course as I was getting this from a bank which I tought I trusted.

I hand the envelope over to this friend who goes right to her bank (Bank and America) and as they were counting the money in their electronic counter, detects that one of the $100 bill was counterfeit. I was shocked and embarrassed.

I called the location where I made this draw, and the person that answered the phone literally sounded like they were on cocaine.. talking very fast, changing subjects and talking about the weather and where they were born while we were trying to discuss this. At this point, I was thinking that this is probably a lost cause, but what he said to me that really made me worry was that he says "THIS HAS HAPPENED BEFORE HERE." I got so frustrated, that I asked to speak to their manager or the assistant manager. He told me that they were not there and that he would have someone in a position of authority call me back. Then I asked him when did this happen before? Why is this happening more than once? When he realized his mistake and refused to talk to me further. This was 11:00 am.

By 2:00 pm, I did not get a call back and because I was at work... I drove to the nearest location from my office and spoke to the manager there. I told him the whole story and he himself called that location himself to ask for the branch manager. The same person who spoke to me must have answered, because while he was on hold, he covered his phone and whispered to me.. "Oh wow... this must be the guy you were telling me about..." The person on the phone end of the phone came back on and said the branch manager just stepped out about 5 minutes ago. Then he asked to speak to an assistant manager, then he switched the phone over to the assistant manager... ? So what are they doing? hiring a random crackhead off the streets to screen calls?

The branch manager that I was with just wanted to confirm that a message to the regional manager was properly relayed so that my issue is being addressed. The assistant manager confirmed that this was the case and that I would get a call back. The branch manager, after getting off the phone, seemed troubled himself. He insturcted me to call the Regional manager myself and gave me his direct phone number. I called the phone number and left a message to call me back.

Sure enough... the next day I did get a call back. However the person seemed to have a speech reeady for me. Told me that there was nothing I or he could do at this point. That because the envelope of cash had left the office, that I could have tampered with them. I asked him to address why his own employees told me that this happened before.. and he told me that he could not discuss this with me and brushed me off.

I am convinced that there are serious internal control problems with TD Bank. All it takes is one or two brazen employees to take action and sell information to other people, or even switch counterfeit $100 with a real one in the register and there is nothing in the bank to preven this from happening.

I am now in the process of closing out all my TD Bank accounts and switching to a different bank. My only frustration at this point is that I cannot do this instantaneously as I have many online and auto payments / transfers set up which needs to cycle out first before completely closing everything out.

Never trust a Canadian Bank with your US dollars !

I had an account with TD Bank formerly Commerce, I moved from NJ to SC and I had my SS check deposited directly into my TD account. My spouse was on disability and his checks did not come in regularly due medical updates required by Disability. I Informed TD about the problem with our deposits and asked TD Bank to STOP all ACH on various times(every month on numerous times I called the bank) because they would continue put the ACH charges in and I was not able to keep up the overdraft fees and that I was in the process of transferring the ACH charges to my present bank account in SC. They informed us that they would charge us no matter what whether they put the charges in or not. What's going on they are stealing from their customers outright. I also asked TD Bank to set up a E-Check deposit account so as soon as we got the disability check we could make the deposit into the account and avoid the overdraft fees. I told TD Bank that their nearest branch here in SC was an 8 hour drive and that we could not make the drive to make a deposit. Again they refused to cooperate with us instead they informed us that we could mail back the disability deposit and of course by the time the deposit arrived we would have overdraft fees and NO funds would be left in our account. It got so bad that I had nothing left in the account with several overdraft fees from my social security income which was not much and the account was always a minus balance. We had to stop doing business with TD Bank because their unethical business practices. I told them that the last ACH charges that they had put in had already been PAID to the client on my new account in SC, they paid out the monies to the company that was already paid and therefore the company was paid twice and we were out of our money. I asked TD Bank to re-coup the monies paid out and instead they charged me an additional $20.00 and they never returned the money and they now are charging for me for Stealing my own money. They stole my money and I am stuck with the following damages that I now can not even open a new bank with a Credit Union, because I can not continue with my present bank now because of the bank fees related to one's balance restriction on my account and income is limited. I have called the corporate office and they do not reply... CROOKS