This is my first ever written complaint to any forum of any such, but I am so disgusted by TD Banks lack of competency that I feel obligated to warn others. DO NOT DO BUSINESS WITH TD BANK!!!

I refi's my mortgage with them because of a great rate less then a year ago and I have regretted the decision from day one! First off it started with an application process and final approval that lasted nearly 3 months..UNREAL! The incompetency alone on the process was mind boggling and I had to stay on top of everything, finding numerous errors in the contract on paperwork, I should have known what I was in for from the get go.

6 months ago I received a deliquency notice from my Township that my taxes had not been paid...they are escrowed and supposed to be paid by TD Bank. My account shows that my escrow money was in fact distributed for payment, but guess what..it paid someone eles's taxes!! Unreal, they fixed it, but it was a headache.

Then last month I get a deliquent notice from TD Bank that my mortgage had not been paid. I have NEVER missed a mortage payment because the money is auto-debited from my TD BANK ACCOOUNT!! Apparently, they had a system problem, messed up by auto-transfer and never told me anything! Fixed, but another headache.

Now yesterday I received another deliquent notice from my tax office, YES AGAIN, my taxes weren't paid, yet the money has been sent somewhere!! This is crazy, I have never been so aggrivated and annoyed at such incompetency. This company does not deserve to be in business if they cant get these simple things correct. If it wasn't going to cost me money and valuable time to change companies I would do so in a heartbeat, but since it will and Im not willing to spend more money, the next best thing is to warn the person next in line!! Do yourself a favor and stay away from TD Bank and their incompetence.