TD Bank
Reviews and Complaints

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 agree. TD is terrible. The got away with the shadiest move in banking history: opting in all clients to mandatory overdraft protection and hitting them with fees for every transaction.
I bet they've at least quadrupled their fee income in the last 6 months. Anyone who was a customer since the days of Commerce Bank had grown accustomed to convenient banking. Transactions posted immediately, online banking was accurate, and there were absolutely no fees so if you tried to use your card and had insufficient funds it would simply be denied.
However, anyone who continues to bank this way has undoubtedly faced hundreds of dollars in fees. I went to complain about this automatic opt in for overdraft protection and tried to opt out 5 times. It never worked so I continued to return, get my fees reimbursed and opt out again. On the sixth time, they refused to refund the fees and the manager told me the opt out was not for debits, only checks. They said that I need to manually balance my account with a pen and paper if online banking is not accurate.

For me this is unacceptable. Is it too much to ask to have it like it was for all those years with Commerce bank. I want a bank that doesn't nickel and dime me but simply makes banking easy. TD proudly shows off the JD Power awards that they inherited from Commerce but then goes and undoes all of the policies that won those awards in the first place.

Bye Bye TD. My search for a customer-friendly bank is well underway. I'm not sure if they exist anymore, but my mattress is my backup plan.

they suck over there...i cant tell you how long they have been screwing with my account! I thought i was finally done with them when i closed my account 12-7...to find out 1-4-10 that they reopened my account because a pending trasaction came in 2 days after i closed it...that should of been paid at the end of nov...but since they had screwed my account up so badly i didnt know it was out yet! They are crooks! report they to teh better business Bureau

They say thet will give a refund of overdrafts and never do

I totally understand your issue. I had a massive issue with pending payments that were not actually seen on pending payments. They processed even after my credit was there and they changed the date. Basically they took a check paid on the 5th, and cashed it the 4th. Doing that, it never showed up in my pending account, but they said since they paid the funds, I had to pay bounce fees. It was crazy, they even bounced my bounced fee. After all said in done on the 6th, I had $350 in fees from them playing games. I got every penny back, I also contacted, the senator for my state and filed a complaint, as well as to the BBB. It is criminal. I screen shot everything, I covered my own butt. They tell you they do you favors, by paying the largest bills first and so on, but that is to only create the largest ability to gain more money for themselves. I don't tolerate, criminal activity. They broke the law, and it I hope one day, they get nailed by the government. They have been in trouble in the past, In your case, you could see the funds, so it isn't illegal, just stinks. You can ask for a refund of fees, sometimes they do give them back.

Forget the ability to read ALL the previous post. Guess your sheepish genes are kicking in but what about your dog face probably another ancestor of yours.

No, you conveniently over looked it. Is it from fear or just because your tired of Being STUPID!

Becky Purcell aka Tired of being stupid see the post she is trying to deny.

Do you really expect your delusional and incoherent ramblings to be read? You really are stupid, no one I mean no one would respond like you if they weren't Becky Proof 1. You were positively idea by not just one put 5 different people proof 2 and you will most likely be going to jail proof 3. Learn it love it live it your done put a fork in you,

UNDER NO CIRCUMSTANCE GIVE TIRED OF STUPID BECKY PURCELL ANY INFO PLEASE LOOK HER UP ON REIP OFF REPORT AND COMPLAINT BOARD

when you do a register dont you put in your deposit but when the bank does not credit your deposit for days then what should you do? If the bank pends debits then it should pend credits that is that there is no more . SO tired of stupid up above I had my monies in there they helded it for the profit. who the ### is astealing now.

I am tired of being scammed for every dollar I make from this bank. They are unethical. I have started a blog at the below address. Leave a comment. Leave lots of comments. If I get enough interest, I will start writing to the powers that be in our state houses and Capitol Buildings. I am not well-versed in how this kind of thing works, but I have to believe that if enough people complain about their practices, someone will look into it

http://tdbank-tdbank.blogspot.com/

I AGREE WITH THIS STATEMENT FUUL HEARTEDLY.

I am tired of being scammed for every dollar I make from this bank. They are unethical. I have started a blog at the below address. Leave a comment. Leave lots of comments. If I get enough interest, I will start writing to the powers that be in our state houses and Capitol Buildings. I am not well-versed in how this kind of thing works, but I have to believe that if enough people complain about their practices, someone will look into it

http://tdbank-tdbank.blogspot.com/

I'm in the process of switching from TD to PNC bank. I should have left as soon as they started their insane fees, but I was afraid b/c I've had this account for 20 years, and I do like that they have such great hours. But lately I've been paying fees (maintenance + the ATM fees) so often that I'm losing tons of mnoey. They even lost my paycheck once! I (stupidly & unfortunately) had lost the receipt so had no proof, and they didn't believe me that I'd deposited it, but thank God, they finally found it. I was WAY too nice to them - should have called and demanded some kind of compensation for their incompetence and scarint me to death. So, goodbye TD Bank - PNC is even offering me $150 to switch as long as I sign on wtih virtual wallet I can also go to 2 non-PNC bank atms without penalty per month.

You are 100% correct with this. TD Bank is terrible. It's a shame that they took the world's greatest bank (Commerce Bank) and turned it into a thieving fee monger.
Did you find a new bank that's half decent? I'm actively looking for a new bank and will close my TD account ASAP.

Maybe I'm spoiled from all the years of Commerce Bank, but I don't want to do business with a bank as shady and unscrupulous as TD. Is there another bank out there that's decent and values their clients? TD surely does not.

TD Bank is a borderline criminal establishment -PERIOD
After Christmas, I had only $9 dollars in the bank; so I deposited a check for $800.00.
I expected to wait at least three days before having access to it;
but my statement that said I had an "available balance" of $160.00.
The teller said it was automatic. I'd never heard that.
Then she advised me NOT to use any of it until my check cleared because
FOR EVERY SINGLE PURCHASE MADE FROM THAT "AVAILABLE BALANCE" THERE WILL BE A CHARGE OF $ 37.00.
It is something that the usually "forget" to tell you.
Even a loan shark tells you exactly what the rules and consequences are.
And TD Bank lacks the intergrity of a loan shark.

I completely agree with you. TD Bank opted all customers in for overdraft protection and hit you with a $35 fee for every overdraft. However, if you want to opt out so that it instead denies a transaction there are insufficient funds (as Commerce did for years before), you are unable.
I tried to opt out 5 different times and "their system didn't work properly" each time. On the sixth time to the bank to complain the manager told me that the opt out was only for checks, not debit transactions.
This was completely opposite of what the other 5 bank employees told me and also contrary to what TD wrote in the letters that they send out when one of these fees is charged to your account.

While "America's Most Convenient Bank" (Commerce) has now become America's Worst Bank, they continue to show off the JD Power awards as if they were their own. If you agree with this, be sure to write to JD Power to make sure they don't win again when this time they clearly do not deserve it.

-Missing Commerce Bank

I hate TD as well! When I first opened this account was 20 years ago when I first moved to Canada and still after so many years and I never had a bounced ck they still put a hold on my deposit cks, is just disgraceful! If I deposit my ck through ATM to save time only 200 will be released and the rest will be on hold for 11 days! This bank has no respect for its customers! My husband has an account for 10 years with BMO/Harris Bank, they never hold his cks or and he never goes through this hell. I tried to be loyal but I finally had it!
That was years ago now is the opposite!

I too have had a few horrible experiences since the switch to TD. The most pressing of all, I once recieved over $130 in overdraft fees for small debit card transactions made the day after a paycheck cleared leaving over $800 in the account.
When I called customer service, I recieved disturbing news. First, that the online banking site, and ATM reciepts do not reflect the actual avaliable balance in the account. The representative was unable to tell me how I can see my actual balances saying I should keep better track of my finances. This is the entire reason I use a debit card and online checking, so they will keep track for me.
Worst of all, when I said this didnt fell like Commerce Bank anymore, refwerring to the Regis and Kelly advertising campaign that nothing was changing, the customer service rep made a snide remark about it not being Commerce anymore, so get over it.
I contacted branch management about that, but of course I never heard back.

I totally agree with all of these cooments above. Commerce Bank, at Towamencin, Pa. was extremely friendly, when I walked in, I thought I was the bank president, the way they treated me. I got all my family and friends to switch their banks to Commerce and they did. Now that Commerce Bank told me T.D. Bank take over would be better, everyone was screaming, NO don't take away our Big Red "C". But we all know what happened . T.D. Bank took over. Oh they were good for about a year, then they replaced all the employees with Indians that hate infidels. I went in to cash in my change and asked for help, they just sat there and looked at me in discuss. They don't even want to talk to you. I guess I don't have to say it, but my friends and family have since taken their banking to other banks now and I will soon follow. But I would like to say here, "We still LOVE you Commerce Bank, please come back!"

Commerce had all of the customer friendliness of a credit union and all of the services of a big bank. Out of disgust I have left TD Bank for PNC. I chose PNC because they have some of the policies of the old Commerce. PNC isn’t perfect, but they are my employer's bank (so my payroll deposit clears faster) and they have a ton of ATMs at places like convenience stores, supermarkets and highway rest stops which allow me to avoid fees.

I completely agree. Is there any bank out there that is like Commerce? I'm actively looking to leave TD after being a Commerce Bank customer for years, but I can't find any bank even close to the reputation of Commerce.
TD has terribly slow transaction and online banking postings and worst of all is their recent automatic opting-in of all customers to overdraft protection. It was clearly a move to boost their fee revenues and so shady that I completely lost all trust in them.
Yet, despite their new venture into having as many fees as possible, I still saw the old Commerce signs (now in TD green) at the bank 6 months ago that said "Absolutely No Fees!"
They should be force to give back Commerce's JD Power and Associates awards that they promote so much because it's a completely different bank!

I deposited a government check into my account on a Saturday. On my receipt printed from TD bank, it said my available balance was $269. Therefore, I went and payed a bill, and used my debit card for little transactions. Then I checked my account and I have overdraft fees. That was impossible because I keep my receipts and a spreadsheet for all of my transactions, plus I use online banking. I went to the bank and was told that since it was a Saturday, even tho the receipt said my available balance was $269, the balance was not available until Monday. So all of the transactions I did through out the weekend were all charged a fee.. the total fees charged were $560! First of all, I’m in the “opt out program’..anyway.. I was furious because my account was not overdrawn..and the receipt I have from the bank told me my AVAILABLE balance. So I was told from the bank where I live that they need to call my 'home bank" (where I opened the account, which is 2 hours away from where I live now) because the bank where I live has no say in what goes on in my account. Which i thought was ###..they can take my money..but they cant refund it? So anyway, where I live they said we understand the confusion and your account was not negative, it only became negative because of the charges. They explained this to the manager at my "home bank' and the manager did not want to refund me all of the fees. I was furious because my account was not negative to begin with..i never knew that if the receipt says my available balance..and its a weekend..its not really available until that next Monday. so with all of my fees refunded I would still have 50 bucks in my account.. but instead they refused to refund them all..AND on top of that my bill was returned and not paid..so now I'm going to end up getting a bounced check fee from my bill company! Absolutely ridiculous! I decided to call the 800 number because not being refunded fees i shouldnt have gotten to begin with was unacceptable to me. So as of now, all of the fees have been refunded…this morning I withdrew all of my money and closed my account.

Tired of TD BANK, ever since commerce got bought out it has been a nightmare! They are double changing transactions, over charging fees, and losing checks.. Than the people that work there are just supid... I have to look at my acount more that once a day because, I am terrified that they are going to double charge my transaction, wich they have doon twice already. Then they say I am overdafted wich really not and over charge me on fees. When you talk to someone they don't make any sence, what really happened? For example: I call the bank and talked to someone that just ran me in circles, than whent to the bank and the same thing. Now called the bank a week later to tell them they douple charged me again, didn't mentioned about what happened a week ago but she picked it right away and credit back to my acount. Now why wasn't that noticed the fist time I called or when I whent there, but notice when I'm calling about something else.
Sounds Like they are trying to get MONEY fast, and close the bank and everyone LOSES OUT except THEM.

Td bank is lying and stealing from us. we all need to stand up and stop this, but how do we go about this, we should pick it in front of the banks. i wrote to my congress and told them about TD and told him they need to stop this bank from stealing and be held accountable. Not one person who works at TD has told us the truth about any of these charges. I opted out of their ripped off service. i dont want any charges to my account if i dont have enough money to cover it. but guess what and no one at TD is telling us. even after you opt out you are still getting an overcharge of 35.00, because what they are doing is accepting the charge today and then tomorrow they deny the charge and charging us 35.00 . and for what is that charge. they didnt cover the charge all they do is accept and deny and for that we are being charged 35.00. and no body, no body at td ever told me that. so they are just theives and liars and they need to stop

btw, its not the overdraft that i have problems with, its just about everything else! however, i have had problems with that in the past. especially when certain companies **like toy-r-us** for reason charge the card twice and two pending transactions are listed... but that ### stopped as i took off my overdraft protection...

I AM SO SICK OF THERE ###! THERE GOT DAMN MOTHER ###ING WEBSITE IS DOWN EVERY ###ING NIGHT! I ALWAYS HAVE PROBLEMS USING MY DEBIT CARD! AND TO TALK TO THEM ON THE PHONE LATE AT NIGHT TAKES FOR ###ING EVER! I AM ABOUT TO LEAVE THIS PIECE OF ### MOTHER ###ING ### ### BANK! OH YEAH AND WHEN I OPENED MY ACCOUNT AS A STUDENT CHECKING ACCOUNT IN FLORIDA TWO MONTHS LATER THEY CHANGED THEIR POLICY ON FREE ATM WITHDRAWLS! THERES NO ###ING TD BANK ATM FOR OVER 120 MILES! SO IF I EVER WANT TO TAKE OUT CASH, 2.00 IS ADDED AUTOMATICALLY FROM TD PLUS WHATEVER THE ATM CHARGES.. IT GOES AS HIGH AS $5 SOMETIMES JUST TO TAKE OUT A 20! UGHHHHHHHH ### MAN!

I AM SO SICK OF THERE ###! THEY GOT DAMN MOTHER ###ING WEBSITE IS DOWN EVERY ###ING NIGHT! I ALWAYS HAVE PROBLEMS USING MY DEBIT CARDS! AND TO TALK TO THEM ON THE PHONE LATE AT NIGHT TAKES FOR ###ING EVER! I AM ABOUT TO LEAVE THIS PIECE OF ### MOTHER ###ING ### ### BANK! OH YEAH AND WHEN I OPENED MY ACCOUNT AS A STUDENT CHECKING ACCOUNT IN FLORIDA TWO MONTHS LATER THEY CHANGED THEIR POLICY ON FREE ATM WITHDRAWLS! THERES NO ###ING TD BANK ATM FOR OVER 120 MILES! SO IF I EVER WANT TO TAKE OUT CASH, 2.00 IS ADDED AUTOMATICALLY FROM TD PLUS WHATEVER THE ATM CHARGES.. IT GOES AS HIGH AS $5 SOMETIMES JUST TO TAKE OUT A 20! UGHHHHHHHH ### MAN!

THEIR GOD DAMN PIECE OF ### WEBSITE IS DOWN EVERY ###ING NIGHT! ... And they failed to notify me that i no longer have free atm fee's **reimbursement at the end of the month with a student checking account here in florida** THERE ###ING PISSED ME OFF MORE AND MORE!

iwas a member of td bank and found that there credit card sevices dept and direct banking deposite sites are no secure at all! i did online bill pay on their so called secure site wich let to not only my credit card numbers being stolen but my dedit card number also wich was linked to my savings and checking accounts. fraudulent charges ran rampid through my accounts and i called them imediatly! they dsaid they would look into it and it would be resolved in two days. well 6 weeks later not only was i out 45, 000 dollors in fradulent charges but they raked up another 15, 000 dollors in overdraft frees! i was told the td fraud dept was very good at keeping tack of all td tranactive accounts, well when there was 23 ebt's out of my account in 1 day to 23 different account around the world i would think that would raise a [censor]in red flag td. sorry for the language! i have aquired an attorny and am filing a lawsuit not only for mymoney that i am out but the return of the bogus overdraft feees and the problems they have caused betwwen my morgage company, my jobs loss of time and all my other expenses that have come from this absolute crappy excuse for a banking instatute! if you have or are a td bank customer i strongly sugest you run fast wile u still have a chance!

TD has hit me with a ton of overdraft fees! I'm an unemployed college student going to school in nyc. I barely have money as it is and I'm getting charged 35 dollar fees for a 1 dollar purchase, not just once but every purchase there after...I usually never get just one, i get hit with 6 at a time. If there are any class action suites against them, I'm on board.

TDBank is unfair to there customers.
They have charged me $1238 on overdraft fees.

send me an email i would like to do a class action law suite against them.

Also, their website is awful and is down and inaccessible every other night.

I had over 6 overdraft fees within a few hours. I put my paycheck in which USED to clear instantly but now TD bank only credits part of it. I used my debit card for multiple inexpensive purposes for the next few days thinking my pay check had cleared by the next day. WRONG, that Sunday I realized I had been charged over 220 dollars of overdraft fees from purchases within a few hours and never was once denied at any of the stores. I was able to get 105$ back after talking with an employee. Still, this is absolutely absurd. A good friend got himself into 800$ worth of overdraft fees w/o knowing and they only gave him 100$ back. Needless to say I am closing my account with them. TERRIBLE BANK DO NOT OPEN AN ACCOUNT.

Banking problems with TD Banknorth. Google the president in Maine. File a complaint with the Comptroller of Currency in Texas because I believe they are a federal bank, report them to the Better Business Bureau and file a complaint with your Congressman/woman, State Rep, State Senator, President Obama at the Whitehouse and how about putting it on facebook and myspace and anywhere else you can expose them. Also the Federal Trade Commission.

Fight Back!

I am having the same problem with TD Bank. A month ago, I noticed an overdraft fee of $35 when my balance never went negative. They wouldn't reverse that fee. The manager reversed 2 others that occurred after that. However, now I have 3 overdrafts that should have been 1. I made 2 purchases which did not bring my account to a negative. I made sure to check my balance. A week later, I made 1 more purchase that overdrew my account. This one I know would have the fee attached. However, I just received a letter saying that there were 3 transactions that they posted the "fee" on. They "posted" the transactions to the account all on the same day, which they also did in reverse order. TD Bank does this to accrue more fees. I know the dates I completed these actions, and I am tired of the lack of ethics that this bank utilizes.

i am having the same issues with tdbank...

First of all, i dont live near a branch anymore so i mail in money orders...they recieved one just like they do every week and cleared it through my account . Next day i am flooded with overdraft fees and there is no record of this money order... i spent 2 weeks talking from person to person asking where my money order is and why was it "magicly" taken out of my account WITH NO RECORD OF THIS noone helped me whatsoever, , YET they did remove ONE fee...i recieved the money order inthe mail exactly 2 1/2 weeks later with a "post-it" stating "not signed properly". Now what i dont understand is where is a typed up document instead of a post it...where is the record of money being entered and removed from my account...and why did i still have to pay the fee..and why was it not signed properly when for over 1year the way i was doing it was fine...

Second of all..MY issue that im dealing with now..overdraft fees once again...10:30 pm balance of my account $17 direct deposited paycheck of $200 4 hours later..now im being charged $105 in late fees that apparently went through in that 4 hour period...all my statements state that i never went negative ..the response for that" yeah it wont show that" now why the hell doesnt my own account statement show me the reason that im being charge 105 dollars..ive talked to 2 managers and noone will help me.." WE CANNOT REMOVE FEES AT THIS TIME BECAUSE WE REMOVED FEES A PREVIOUS TIME THIS 6 MONTHS" FOR THE ISSUE THEY ALSO CAUSED WITH THE MONEY ORDER!

ive been so good and loyal to this bank since i was 15 years old..im now 23...ive never had issues like now...COMMERCE Was a good bank..TD is the worst bank, business, or anything ever...i will be taking this to the news, and i encourage others to do the same..post all you can because this bank is cheating people out of money and they are V ERY far behind in proper technological needs for banking.

So i told the manager either the fees get removed or they need to instruct me on how to close my account..he had no problem giving me steps immediatly on how to close...thats also a shame...ive never had overdraft fees, ive never been an issue to them, and they dont care about loyalty or trying to keep the few people they still have.

FYI td is known for "buying" good banks and ripping people off...Td bank is also branched with canadian banks and they are pullin the same crap up there.

I really think the best way to deal with TDBank is become a thorn in their side. I am looking into filing a class action suit against the bank for their unfiar over draft practices. They are clearing the large items first to maximize their overdraft revenue. Take a close look at your statement and you will see a pattern.

Regards,
Greg Carcaci

i can sympathize with you...they never gave me over draft proitection..for a bounced check, but i went to atlantic city knowing i had 6 dollars in my account...i had vouhers and cash with me...wel, l i blew that cash quick...so i i tried on a whim to use my atm cards...im a compulsive gambler, by the way...welllll to my great surprise i got 60 dolars out of my account..wow..then another 100..., .well ypou know the drill..500 dollarsa in all. how and why is this possible, i am saying to myself...they wouldnt cover my check, but im geting cash..what gives?...so, 6.50 atm fee pl, usw 150 in overdraft...that i didnt know i had...wel theyll say why did yo keep getting money then, , , , BECAUSE IM in A/C BROKE, AND PISSED, AND COMPULSIVE, ON TOP OF THAT...SO MY ? WHY NOT COVER MY CHECK, BUT HAVE MONEY IN THE ATM...IM ON A FIXED INCOME, SO ILL BE HAVING A BROKE XMAS...i realize its my responsibility, but i did not ask for this service, and now im paying theprice...i havent called the bank yet, i gotta calm down lol, ...what can i do?

first nicky boy i really cant understand all you typed because your obviously an un educated idiot. but if your gambling money, dont talk. thats a foolish thing to do if your crying poor. if your so poor buy what you need and dont gamble... save that for people with real jobs and can afford to live extravagant lives

second, as far as fees. do you honestly expect a bank to keep an account in thier bank and the admin. costs it takes to keep it in there (believe it or not even something non-tangible like an account costs money to a company) sooo they dont want to keep accounts that have nothing in them, to avoid this they charge fees... also, they make people keep minimums so that you have some kind of savings of some sort.

ugh idiots.

im all for it...this has to be the worst banking system in the history of mankind...i have a no frills chk acc..NO OVER DRAFT PROTECTION...so i bounce a check in late august..because my dr. didnt deposit the check for 3 weeks...needless to say it bounced...35 $ overdraft fee, plus the docs...a litle embarassed, but my fault, , low income, bad balancing...well last nite 11/23/.09///went a/c with voucher and cash...blew that fast...and being the desprate gambler i am, tried using my atm card..i knew i had 6bucks in my accc, . but what the hell...welllllllllllto my shock i get 100 bucks...wow i dont recieve my pension chk till 12/01...than another 100, when the dust cleared i got 500 bucks...each withdrawl 6.50 ..thieves!...anyway another complaint here mentioned an atm overdraft 500 dollar balance, , , , , wt, f is that, i never recieved this great news lol...and why did my dr chk bounce, , , isnt the atm account my cking account?...so now 500 + 165+ 36 == A BAD XMAS...im calling a bigshot tomorrow and settling the score, , , , , , , , , , , , dont get me wrong, im no angel..i could have took the 1`st 100 and redeopoisited it, , , but im broke, losing the cash i brought with me...i waanted to win my money back...why did the bank take this upon itself to lend me money and charge interest tony soprano would be envious of...like i said, i know i could have been more responsible...but give a compulsive gambler keys to the vault...now im screwed for the holidays..wipes out most of my pension...im willing to comprimise, but i dont think this bunch gives a rats ###!

I am presently dealing with over $2, ooo- fraudulent charges on my ATM visa logo TD bank card. I reported it immediately, I am going to complain to the state of NY banking dept. I will not allow anyone to get away with this. If you want to complain about a bank in NYS http://www.banking.state.ny.us/cscmplnt.pdf, go to this link. Good Luck!

On Sunday December 6th I discovered from the bank that my account was hacked into, and that led the manager to further investigate the issue. In the mean time the bank started charging me overdraft fees ranging from $110 to $220 and there were about 10 such fees charged to my account.

I told the bank manager in the Ritthenhouse Square branch about the fees and he told me to contact the home branch were I opened the account. I told him why should I call them aren't you all linked? But he was very firm in his answer, so I called the Chadds Ford, Pa branch and they referred me to Newtown Square branch. Now I am in contact with this branch and it is almost two weeks that I have got any response from them.

I am not sure which branch refunded my money, but I got my money back but still I have not got my overdraft fees back.

td bank is the worst bank they just charging money for nothing do not open the bank account with TD bank

Yeah TD bank just ###ed destroyed my life, amazingly enough. They suddenly added a 'new fee' that kicked in after a year, which stated that if the account was less than $100, that a new rule subtracts $14.00. Of course the dumb ### subtracted the $14.00 from my account with $10 in it. Sending my account to negative $94. Of course I wasn't notified of it. Of course it was a deliberate attempt by them to scam people with nothing.

Listen to me you ###ing ###s. You ###ed up, that's your withdrawal, your dumb ### mistake. You ###ing pay for it. If TD bank thinks they can TAKE that money from me, you miserable ###-eating ###s, over my dead body, you understand me you maggot ###? You aren't getting ### from me. You want to rob me? You better come with a shotgun, rob me to my ###ing face you ###ing ###.

You knock off my ###ing account, I lose my website, my automatic payments, everything tied to my ###ing account, you pieces of ###. I want suffering and agony for you. I want suffering, misery and agony inflicted on you.

I was charged overdraft fees for no apparent reason. I spoke to a manager who goes by the name of maryanne who is the worst customer service rep ever. This company just keeps trying to charge overdraft fees in order for their workers to get the bonuses. I was very frustrated when trying to resolve this issue with this Maryanne and when I got upset cuz she was not understanding my frustration I called her dumb and she hung up on me. Is this really how you treat a customer when customers is what keeps your job going. I have been a cutomer myself for 10 years and I will be opening another account in another bank cuz these fees are ridicul. my pending transactions were not taken off my balance according to that dumb lady which there for caused the over draft fees. I think this bank just looks 4 a way to screw ppl over n then makes it seem it was ur fault n not theirs. I really am looking forward 2 banking with another bank since tjis is not the first time this bank has made a mistake on my account.

You are entitled to a refund...don't stop until they give you your money back. We should file a class action lawsuit against them.

They charged me a fee because they deducted $15 from my account because my balance was under $100. Not under ZERO, under $100. Then their withdrawal caused me to be overdrafted. So basically, for having $7 in my account I was charged $50. $15 for having only $7, and another $35 because they took my $7 and then some. It's my fault (maybe) that I didn't know about this (don't recall getting notification of this), but theirs for being ###. So I am sick of hearing people say stuff like "Then just don't overdraw" I have NEVER overdrawn in my LIFE before this. I Do know how to add and subtract, and I am not trying to blame someone else. They are doing their BEST to make sure you DO overdraw.

http://money.cnn.com/2009/11/12/news/economy/overdraft_fees/index.htm

Seems this mess gonna be over soon.

The FED thinks consumers need to be protected from the evil banks, so Maggie don't come and say it's normal/reasonable practise from banks when there even comes a law against it.

MAGGIE: Do you understand that this bank is completely shady in what they post and when, CAUSING most people to overdraw? I do my online banking and check it constantly and things will be posted that aren't showing up on my online statement, so when I use my card I get charged a fee. I ###ING HATE THIS BANK TOO! I HOPE THE CEO BURNS IN HELL TOO! They have charged me $410 in overdraft fees, in ONE DAY. And are still posting fees! I CAN'T WAIT to get rid of this bank!