Since TD Bank took over our local bank, Riverside Bank, I have accumulated hundreds of dollars in overdraft fees, monthly service charges etc. They haven't even been in town for two months yet. I am at my wits end and I will never ever ever bank with them again. My banking record was spotless prior to this and I refuse to pay these fees. Hell will freeze completely over by the time I do. My credit score is 819... some aren't so lucky. This is STEALING and the employees should walk out and not be part of this. Just another foreign financial institution coming in to rip off Americans in a way the feds support.

Americans need to wise up soon. Keep these foreign financial institutions from stealing our money, legislators. How about doing at least something while your filling a seat in Washington.

I put in a deposit this morning ... this afternoon I went shopping and my card was declined. I went to the bank to ask why. They had no record of my deposit, it took them 20 minutes to figure out it went into an account other than my own, then they demanded to know how I got that account number when it was THEIR OWN TELLER who wrote it on the slip. As it turned out, they deposited THE CHECK THAT MY FIANCE WROTE FOR ME INTO MY FIANCE'S ACCOUNT. And the woman looking over the stuff sighed and said in a NASTY tone "Oh, that's her boyfriend. Unless you guys aren't together anymore." As if that's somehow RELEVANT to the fact that THEY screwed up and wrote the wrong account number. I was treated like some sort of thief when I didn't do a damn thing wrong and then I had my personal life scrutinized in front of my 5 year-old son, who was sitting with me while this lady yelled -- yes, yelled -- at me about how this was somehow MY fault. They then told me that the way to prevent this from happening again was to not use deposit slips. HUH?! Not to mention just last week they charged my fiance $895 in overdrafts. No apologies. Nothing. All my fault, apparently, that their teller wrote the wrong account number on the deposit slip. And it's totally their business whether or not my fiance and I are still together, right?

I have a home equity loan with Commerce Bank. When TD Bank bought Commerce, my nightmare began.

I had my loan set up for biweekly automatic payments. This was fine under Commerce but shortly after TD Bank took over, I started getting late notices. I couldn't figure this out since the payments were being deducted from my account every two weeks.

I contacted TD Bank and was told that my payments had been incorrectly posted as principle only, showing as no intereste paid. They admitted this was their mistake, but had not explantion for how it happened. They said they would fix it but by the time they did, they had reported me as delinquent to the credit bureau.

I called back to tell them they needed to rectify this and they said they would turn it over to the person who handles errors with the credit bureau. Imagine, they have an employee assigned full-time to fix information they've erroneously reported on their customer's credit bureau file.

I was supposed to receive a call back in a few days but never did. Of course they would not give me the contact info for the person who handles rectifying the erroneous info being sent. After speaking to several more people at TD Bank over several months, I got nowwhere.

The next thing that happened was they just stopped deducting my loan payment from my account. When I called to ask why they said TD cannot process biweekly payments, only monthly automatic payments. I said it would have been nice if I had been told this. They said they had mailed notices out but I read every piece of mail from my bank and I never received this notification.

When I spoke to someone in the loan dept she said that it was because in the computer switch over (remember when the bank couldn't process anything for 3 days???) from Commerce to TD, several loans were just "dropped off" and mine was one of them. So the whole "we notified you" was a load of crap.

At this point I cancelled my automatic payments and said I would just make the payment myself each month. So each month I go online and pay my loan electronically. However I suddenly start getting notices that I'm a month behind. I look at all my payments which are current, call TD again, and they can't explain it. So in order to not have my loan looking like it's behind, I make an extra payment.

For 6 months I have been doing this. Each month I go online and my loan shows "no payment due" for the current month and the next payment due the following month. But I make a payment anyway, just to be safe.

Then in October, I suddenly see almost $800 deducted from my savings account. Under the column that describes what it's for it just says my name. I immediately call TD Bank and no one can figure out why this money was deducted from my account. The CSR gets her supervisor and they still can't figure it out. So they call my local branch.

The local brank says it's for my home equity loan!! I tell them I am not set up for automatic payments, the amount they deducted isn't my loan amount, and my next payment isn't even due until November! Their answer is they will "research" it and it will take 10-15 days. In the meantime, they won't put my money back in my account. I am freaking out at this point.

So they transfer me to the loan dept and I speak to Matthew. He promises to expedite the research and have the money back in my account in 2-3 days but says I should call on Wednesday to make sure it's there.

I check online on Wednesday and the money isn't there. I call the loan dept and speak to Kelly who is rude, condescending and totally unhelpful. She says all she can do is put it in for researach and it will take 10-15 days. I reiterate that TD has taken my money with no authorization and I want it back. Kelly said no. I told her that Matthew said I would have the money back that day and she didn't even want to look up the notes on my account to verify this. She finally did and said Matthew only put in the notes that he would expedite the research process.

So I said "then Matthew basically lied to me." She refused to comment and just kept repeating that she would put it in for reserach and it would take 10-15 days. I was ready to scream. But instead I asked to speak to a manager. She just keep repeating her mantra "I'll put this in for research. It will take 10-15 days." She said this about 5 times ignoring everything I was saying. What a ***!

I kept insisting on talking to a manager and she finally put me on hold. After a very long wait a manager, Nick, came on the line, apologized and said I would have the money back in my account that afternoon. Amazing! However, he said I would need to write a letter saying I no longer wanted automatic payments deducted from my account, and I would have to fax or drop it off since they needed my signature.

I repeated several times that I did not have automatic payments and hadn't for almost a year. He said he understood but said it was showing in their records that I was set up for automatic payment since January 2010. I then asked why, if that was the case, in 10 months, a payment had never before been deducted from my account. I also asked why they would deduct a totally different amount that my loan payment amount, and take it out a month before it was due. He couldn't explain but said I would need to drop the letter off in order to prevent this from happening again.

I replied that it was amazing that they hadn't needed my signature to set me up for automatic payments that I never requested, and could take random amounts of money out of my account with no explaination, but they needed my signature to stop doing something they did without my authorization in the first place!!

I also told him that my very next step would be to transfer this loan to another lender and close all of my TD Bank accounts.

But the story doesn't end here.

The money wasn't in my account that afternoon, or the next morning. I called TD Bank again and was told that it had to be in the "overnight run" and it hadn't been submitted in time the previous day. Funny, since I spoke to them at 10:30 am!

The woman I spoke to, Marie, was very nice, helpful and professional. She is an anomaly in the TD Bank world but I am grateful for her help. The money finally went back into my account. I gave them the letter with my signature. Even though it aggravated me to have to write a letter to ask them to stop something I never asked them to do, it was easier to just write the letter and (hopefully) avoid another problem.

And by the way, now they're telling me my Oct loan payment is due, even though their online system says a payment isn't due until November.

My complaint is not related to over-draft fees or other penalties related to not meeting minimum requirements by the customer. My complaint with TD Bank stems from what I believe are poor internal controls and what I believe are lack of efforts or concerns with the management to to correct the problems. The management seems to exhibit a stubborn and arrogant approach when a customer approaches them with a problem with affected the customer and tried to find way to focus the blaim away from them and toawards the customer.

I have been a Commerce / TD Bank customer for almost ten years. When they were Commerce Bank, I never had any issues with them. In fact, I persuaded many of my friends to switch over to Commerce Bank because of their great service and no fee structure. I believe all these problems started after TD took over.

Just to give you a profile, I am a married man, annual income is about $175K to @200K per year. Avg. monthly deposit into my account per month is about $15K and carry a monthly avg. balance of approximately $3K to $4K. I have never had issues with not meeting minimum balances or over-drafts.

One day I wake up and check my online account (which I do everyday), I noticed three mysterious charges going through my account totaling about $150. The vendors names had GBR / Vodafone or things that would lead you to believe that someone from England had access to my account.

I immediately called the bank, and they informed me that other charges were attempted last night for $300 and $400 respectively, but were blocked due to suspicious nature. They asked me to go to a local office and complete a Schedule E from to file a formal complaint. I did as I was instucted, they issued me a new debit card and told me that I will receive a tenative credit back until further investigations. At this point, I was under the impression that someone at a store I went to must have made a electronic impression or copied my card info and went on a shopping spree. I though all was well...

Then two weeks later, one of my wife's friend asked for a small loan of $1, 000. My wife and I stopped by my primary location and took out a counter withdraw of $1, 000 and asked the teller to put all the bills (which were in $100's) in an envelope. I never bothered to check the bills of course as I was getting this from a bank which I tought I trusted.

I hand the envelope over to this friend who goes right to her bank (Bank and America) and as they were counting the money in their electronic counter, detects that one of the $100 bill was counterfeit. I was shocked and embarrassed.

I called the location where I made this draw, and the person that answered the phone literally sounded like they were on cocaine.. talking very fast, changing subjects and talking about the weather and where they were born while we were trying to discuss this. At this point, I was thinking that this is probably a lost cause, but what he said to me that really made me worry was that he says "THIS HAS HAPPENED BEFORE HERE." I got so frustrated, that I asked to speak to their manager or the assistant manager. He told me that they were not there and that he would have someone in a position of authority call me back. Then I asked him when did this happen before? Why is this happening more than once? When he realized his mistake and refused to talk to me further. This was 11:00 am.

By 2:00 pm, I did not get a call back and because I was at work... I drove to the nearest location from my office and spoke to the manager there. I told him the whole story and he himself called that location himself to ask for the branch manager. The same person who spoke to me must have answered, because while he was on hold, he covered his phone and whispered to me.. "Oh wow... this must be the guy you were telling me about..." The person on the phone end of the phone came back on and said the branch manager just stepped out about 5 minutes ago. Then he asked to speak to an assistant manager, then he switched the phone over to the assistant manager... ??? So what are they doing? hiring a random crackhead off the streets to screen calls?

The branch manager that I was with just wanted to confirm that a message to the regional manager was properly relayed so that my issue is being addressed. The assistant manager confirmed that this was the case and that I would get a call back. The branch manager, after getting off the phone, seemed troubled himself. He insturcted me to call the Regional manager myself and gave me his direct phone number. I called the phone number and left a message to call me back.


Sure enough... the next day I did get a call back. However the person seemed to have a speech reeady for me. Told me that there was nothing I or he could do at this point. That because the envelope of cash had left the office, that I could have tampered with them. I asked him to address why his own employees told me that this happened before.. and he told me that he could not discuss this with me and brushed me off.

I am convinced that there are serious internal control problems with TD Bank. All it takes is one or two brazen employees to take action and sell information to other people, or even switch counterfeit $100 with a real one in the register and there is nothing in the bank to preven this from happening.

I am now in the process of closing out all my TD Bank accounts and switching to a different bank. My only frustration at this point is that I cannot do this instantaneously as I have many online and auto payments / transfers set up which needs to cycle out first before completely closing everything out.

Never trust a Canadian Bank with your US dollars !

I got a check from a large Canadian retailer, and deposited into TDBank, and they're telling me that it's 6 weeks to clear the check? Bank of America can do this within 10 days, Meredith Bank can clear funds within 1 business day, hell I could have driven to Canada and cashed this check myself in 5 hours!!
This bank is based in Canada, why do they need to hold funds and collect interest on my money for 6 weeks?!?