TD Bank back dated a check to make it bounce when funds were available. They bounced a payroll check for one of my employees despite the funds being available. I had to run to the bank and wire the funds from the account the check was on to the employees account in a different state. The check showed up in the account on a Saturday when there was ample money available to pay for it but they back dated it to Friday when we had confirmed that it hadn't come in.

There was over 15, 000 available on Saturday and 16, 000 available on Monday when they made the decision to bounce the 12, 000 check. They seem to have entered the wrong date for the check date and then bounced it despite the fact that funds were clearly available.

Then when asked about it the branch which said on Friday that it hadn't come in, simply blamed their "back office" like they have nothing to do with anything. And the fact that I've been there for 15 years and do over a million dollars in transactions per year wasn't even enough to get anyone to care at all. They made up excuses and tried to blame me.

I had to go in and wire the money that had been sitting there the whole time to the employee that they bounced the check to. Nobody at the Hawthorn NJ branch ever apologized at all. Not even a lame attempt. They didn't offer to return the fees or pay for the wire transfer or stopping the check so it couldn't come back and be taken out again. They blamed the back office and made excuses.

I stayed with Commerce even though I moved an hour away because I loved them and they were great for a long time. Unfortunately TD Bank's attempts to make the service more efficient seem to have taken any power away from the people that were good. Commerce was an awesome bank, but TD Bank is definitely NO Commerce.

I guess no bank is perfect, but even when it's obvious that they made a mistake they clearly handled this horribly and only made it worse. The mistake was bad, but the response (or lack of any response) was equally bad!

Find another smaller local bank because TD Banks has clearly changed into a big bank with a big bank attitude! They kept the same hours as Commerce but that seems like all they have left from Commerce Bank.

TD BANK is clearly No Commerce.

I am speechless, to make a long story short...I was charged $380.00 in bank fees. I use my debit card for most purchases. Wether it is a $2.00 d&d coffee or a quick stop for milk. I had paid several smaller bill through Bill Pay (mistake). They all appeared to me that they went through and paid. Being that I was told last year that bill pay is live by td bank. WELL that has changed! My mortgage had gone through the next day which I was short. Miscalculation? They paid and charged me a $35.00 fee for each and every charge to my account all because I was told from a customer service woman at the bank that they automaticly pay the highest bill first? WHAT!!? Also the customer service rep could not give me much info. because she said she knows nothing about bill pay and does not use TDBANK BILL PAY. Ahhhh what bank to you work for lady??? Anyway she got on the phone w/ TDbank bill pay and They do not pay in the order that you pay or charge. So the only thing I didn't get a $35.00 fee for was my 2, 7000.00 mortgage payment. But... my coffee $2.00 cost me $37.00 and Redbox cost me $36.00 And milk for my 3 children cost $39.00 this week and so-on. I feel as though I was robed by my own bank. I totally agree with paying the $35.00 fo the mortgage my mistake. But why rob me TDBANK. Unfair and crule. I still would love to see where it says in there little rule book that they pay the higest amount first no matter wich order YOU chose to pay your bills in.

The customer service of this Bank is a joke. They have no idea what they are talking about, and give wrong/incomplete information.

I don't understand how JD Power can rank this Bank as the best in customer satisfaction. Thank god I don't have to deal with that junk anymore...

If you are looking for a good bank that does not nickel and dime you on everything STAY AWAY FROM THIS BANK...

I left a small bank to come to TD Bank. I thought it was a wise move, considering all that had happened last year with banking. Saying I was wrong is an understatement! I have never heard of being charged overdraft charges when you technically never overdrew. I was also informed of somethng called "highest to lowest", where they can take your transactions and move them around. It doesnt sound like a huge deal unless you accidentally over draw once. Instead of paying a penalty of $35, which I would be more than happy to do for my mistake, I end up paying several. They justify doing this by explaining that your last transaction was higher than your previous ones, therefore taking the highest transaction out first. This doesnt sound legal to me, let alone ethical. It does not matter when you actually swipe your card. I have tried repeatedly to talk to customer service and am told every time that there is nothing they can do. They have literally stolen hundreds of dollars from me. They're own employees admit that it doesnt make sense and will tell you they are sorry, but not one person will explain how they are able to do this. Aren't there laws to prevent banks from moving around transactions so that they can turn one overdraft fee into many?

My original complaint was not completed levy supervisor no last name Debbie emp ID 59508 informed me that Governor Patterson pass an exempt fund belt law in20009 that workerscompensation money in a bank can be levy. The levy department exe.mpt 25oo and levied the rest of my money she said based on the governor law of 2009.