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.

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 I have an account with a passbook, and when any amount is deposited or withdrawn it marks the current balance.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!

I have had a TD Bank account in Massachusetts for 15+ years back when it was Salem Five Cents Savings Bank (at least two mergers ago) and never had a problem with overdraft fees. I had written a $250 check to an heating oil company on monday and had made a deposit of $385 on that same day and the account had $78 in it at that time. I did expect that the deposit would beat the check debit to the bank but as it turns out it tied. I'll elaborate. Over the course of that day and the next several small dollar amount debit card transactions occurred (each less the $10). I checked over the course of those two days and the debits from the second day (first day's debits hit on second day), check, and deposit had not hit the bank. Third day comes along and TD Bank decides they are not going to process the transactions in the order they occurred but rather in this order: check to oil company for $250, each of the debit transactions from the second day (one for $5.09 and the other for $5.83 and an authorization for gas for a $1), and THEN the deposit of $385. Now they didn't deposit the entire check, they put a hold on $285.00 and deposited $100 (with the teller saying to me after the fact that they additional $285.00 would have gone through on the 4th day) so doing some math they started at $78 and subtracted $250 to give me an overdrafted account of $172.00. They charged a $35.00 overdraft fee immediately at this point. Next they then hit the account for the 3 debit transactions of $11.92 total and charged an overdraft fee of $35 EACH equals an overdrafted account of $288.92. So finally now they go to process the deposit (partial of only $100 because they put a one day hold on any amount over $100) and I end up with a negative balance of $188.92 as of today. The real killer is that their own online banking service (i.e. where I check my statement online) showed me today that I had a POSITIVE balance of $57.00 so I went ahead and used my debit card again today for 3 more transactions (I hadn't checked my statement at that time) so now the bank is telling me I'm going to get WHACKED with 3 more $35.00 overdraft fees! I called to discuss this and was told it was my fault (somehow - they didn't give me a good reason why) and that they always process debit transactions the next day (later changed to over the next two plus days) even though the debit transactions I was talking about with her and that I mention above have always gone through on the SAME day since they were point of sale transactions. No explanation of why the check processed first and not the deposit. I was told they would not refund the fees. Now I am forced to have to stop direct deposit of my paycheck so I can make sure I can pay the rent to house me, my wife, and our four kids another month and bring this account positive JUST so I can close it and tell TD Bank to go stick it in their hats. How is this legal? WHY is this legal? Is there a class action lawsuit I can join or is there a lawyer out there interested in starting one?

This bank is killing me with fees. I'm not sure how they calculate these fees. I called them trying to make sense of these fees that i'm being charged. They keep telling that they are looking at a different system than I am. That is bogus I think we all need to be looking @ the same system to make sense. I'm so frustrated

TD Bank is the biggest rip off ever. They steal your money right out of your account. They have online banking and the numbers from online banking dont match what "they" see on their screen. This is a bunch of bullshit!!! They claim their system updates in real time, but then they hold tranactions for days even though you see it removed from your balance. Its like magic that things appear later in time with a "fee" and no explanition. You have to call coustomer service and they have to search and prod then tell you such and such check/item was off. It dosent even show in the online banking. I know for sure they have a class action lawsuit in the future and I will be right on board. This last week they stole over $500.00 from me bouncing shit because of their fees, so I got fees caused by fees. Td bank your future in stealing is gonna be limited. Bastards!!!