td bank has a new change .They will let you use ur debit card when there is no money left in the acct. So if you are set up for an auto debit for 4.00 and it is over ur Bal they will let it go and keep going every time you use it they just let it add up 35.00 each time.
And in these times I go down to my last penny so we just put in 36 hrs of work to find out that 80% of my pay went to bank fees .But good news of of the 800.00 in fees they could wave 300.00 BIG DEAL! I know I can get my kids td pens & deposit slips forChristmas there still free right ?

CONVENIENTLY SCAMING YOU BANK .HOW IS THIS RIGHT FOR THE WORKING PEPOLE ?

its december and again i have no money i get direct deposits from soc sec on the first and 3rd of the month and they arent there again they said they will be there but not until 9 am this is so insane i can see once but not every couple of months...this is the 4th banking error this year!!!then the lines were busy they took my number and name to call me back they did and put me on hold for 21 minutes how rude

This happened a few years back, but it's worth mentioning to anyone who may have both a TD Visa AND your checking account with TD as well.

My mother had her credit ruined by my father (long story short) but I was able to get a student Visa card which I permitted my mother to use, so long as she put cash on it within a few days of using it.

This was fine and went on without trouble for a few years (and was great for my credit score! XD).

Then I opted to open a checking account at TD - and being a student I went for their cheapest package - where you were not permitted any "in person" visits to a teller without a charge being applied.

Well that's no issue.

Until my mother went in and started paying for her purchases.

Suddenly I was getting small charges on my chequing account. Here, there, everywhere. They added up fast (and to a student, even 20-40 dollars in fees like that could eat up my budget for a month!). Finally *I* went in and asked them what the hell that was all about - their response - *I* was using the teller services.

Luckily my MOTHER was there, and called over one of the Tellers who knew her well, and both of us showed her our ID - proving that *I* had not done any such thing, nor was it EVER for my checking account or banking, nor were any funds from my chequing account being paid onto my Visa Card (which my mother and I always paid for the Visa in cash!).

The manager explained to me succinctly that if I was to have the cheap checking account, that my Visa counted as part of that account now, and paying any money to a teller - EVEN IF IT WAS CASH - meant that I deserved to be charged (where I never was before!)

My mother had words with him - we canceled my account that very day - and lo and behold no further charges went against me for my mother paying off my Visa with cash.

Be forewarned, this is a LAME, shady practice - and it could be happening to YOU!

My complaint against this bank is as follows:

Apparently, when the bank changed to their new system they opt to put $500.00 on your card, therefore if you use your debit card for a $2.00 purchase, even with no money in the account the purchase will go thru, however, you will be charged a $35.00 OverDraft Fee.

This is what happen to me. I had some unauthorized charges go thru the bank. I went to the bank and these items were in Pending Status. Even though, I had Receipts to tell what these Consumers had promised to take, took the receipts to the King of Prussia Branch, they still paid the items and charged me OverDraft fees. This is the start of how the bank messed up my account. Unfortnately, I am not rich. Because of this, I had called Customer Services and advised a TD Bank, C.S. Rep., I had put a Stop Payment on my electric bill, which was $364.00. The Customer Service Rep. said, "On no, your Mortgage was paid and the Electric Bill. I was suprised and I looked at my balance on-line and there was a POSTIVE BALANCE IN MY ACCOUNT OF $372.00. The Customer Service Rep. took the Stop Payment that I had put on my Electric Bill and that is when the night mare began.

Taking the Customer Service Rep. at his word was a big mistake... I went to the Gas Station and put Gas in my Car, and I went to the Grocery Store and purchased Item. It was not until I went to a WAWA and noticed I had a Negitive Balance in my account of -458. Now, I was shocked because why would I be able to get money using my Debit Card when I don't have the money in my account (remember, I had checked my balance on-line and I had a Positive Balance of $372.00 in my account). I called the bank again, and the Customer Service Person, Maurice said, oh that's okay, the bank lets you get money (I thought since I had a problem with some transaction, the bank knew and was allowing me to use my card), that's what the Customer Service Rep. said. Who knew that everytime I used the card, I was being charged a $35.00 OverDraft Fee. I had used my Debit Card the previous week and my Direct Deposit hadn't been Deposited into my account (because of TD Banks problem, I didn't even know about this problems until I noticed my Direct Deposits were not being put into my account on the scheduled date). This caused me problems, but I didn't Charge TD Bank for this Hugh Error).

All I ever heard was the Bank is getting a New System and that is why you may have problems with Direct Deposit. Never knew what the new system was.

Once I saw the Negitive -458 Balance I found out that the Bank now has a Discretionary OverDraft Service. I was never given a choice whether I would want this service, WHICH I DON'T WANT. WHY WOULD I WANT TO PAY $OVERDRFT FEES, WHEN USING MY DEBIT CARD, I MEAN, I MADE PURCHASES ON MY CARD FOR $2.00, $3.00 AND TD BANK is charging me $35.00 each for charges as such.

Of couse I had things coming in and my Direct Deposits. By the time everything came in I have OverDraft Fees of over $600.00.

I explained to the Bank the situation; and how their Customer Service Rep. gave me bad information. Also, just a week ago when I used my card, I was declined because I didn't have enough money in my account. Don't you think the Bank should tell you if this System is now available.

I am so mad. I had 3 Direct Deposits come in and you know that Bank took all my money. I had to cancel my Direct Deposit because as I explained to them, I am a SINGLE WOMEN WITH 2 TEENAGE KIDS, MY MORTGAGE IS DUE, AND OTHER BILLS. ALSO, I NEED TO FEED MY FAMILY. THEY STILLL TOOK ALL MY MONEY. I OFFERED TO WORK SOMETHING OUT.

I DON'T THINK IT'S FAIR THAT THIS BANK WITH ALL THEIR PROBLEMS SHOULD CHARGE ME $600.00 OVERDRAFT FEES WHEN THEY NEVER ADVISED ME OF THIS DISCRETIONARY OVERDRAFT SERVICE; OPT IN. I WAS NEVER GIVEN THE CHOICE TO OPT IN OR OUT. SINCE THE BANK MADE UP THE MISTAKES, EVEN THEIR CUSTOMER SERVICE DIDN'T GIVE ME THE CORRECT INFORMATION, DON'T YOU THINK THEY SHOULD EAT THESE OVERDRAFT CHARGES?

I AM AT THE POINT OF DOING BANKING THE OLD WAY. I THINK THIS SYSTEM IS JUST A WAY TO STEAL CUSTOMERS MONEY; SINCE THEY DON'T EVEN TELL YOU ABOUT THIS NEW OPT IN/OUT SERVICE UNTIL IT'S TOO LATE.

NO MORE BANKING FOR ME. I KNOW THERE ARE MANY MORE UNHAPPY TD BANK CUSTOMER.

I HOPE THIS BANK FOLDS, FOR WHAT THEY DONE TO ME.

THANKS TO THEM, MY FAMILY WON'T HAVE MUCH OF A CHRISTMAS.

First I made a deposit on Sat. suppose to go through on Monday the deposit actually went through Tuesday but showed that it was available Monday. Yet on Sat. and Sun. the Available and the “balance” were different. Yet on Monday I went to an ATM, and did some shopping looked at my balance Tuesday and it was fine, Wednesday there was a $210.00 fee on my account, an overdraft fee which my account statement NEVER showed negative. Without getting into all of the boring details of the back and forth conversation I am very disappointed after 10 YEARS of business they pretty much said too bad we don’t care. The withdrawals were made on Monday the deposit was made on Monday why the fees. This has changed as I have been with them 10years plus and never had the issues I have had in the past few months. To top it all off last month I emailed them about OD fees when my account was not negative and they just emailed me back saying we have reversed the charges, I was assuming they made a mistake and never thought twice about it….So the $210.00 fee they said they would not reverse cause I had the other two reversed. I proceeded to tell her that I thought the fees were a mistake they made that no one explained anything and I have the emails, they didn’t care at all. I continued to tell her that there are numerous times I have had an available balance different form my total balance and that there are times that I hit an ATM and try to grab $200.00 only to realize I only have $180.00 and it denies me but now all of the sudden you are telling me that I can overdraw from an ATM???? Horrible to a long time customer like myself. After $210.00 four weeks before Christmas Three kids living check to check, they now say that I can cancel out of this program? Thanks a little late for that!!!