TD Bank
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Category: Business & Finances
Contact Information
Massachusetts, United States
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TD Bank Reviews
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Hank Svendbye
August 15, 2010
Company policy on deposits
On Sunday (8/9/10) I paid persons who had done services rendered to me by checks drawn on my account at TD Bank. As it was a Sun and the banks were then closed they asked if I could pay them cash which I then did after they endorsed the checks to me and again signed the back with my signature to deposit them in my bank. On Monday (8/10/10) I attempted to deposit these checks into the same account they were drawn on and was told by the teller that the bank policy now was to require authorization on a notarized paper from the person to whom check was made out to or they must be physically there with an ID in order for me to deposit my own checks drawn on my own account back into my own account. This is insane as I know no large chain WalMart or food chains who routinely cash payroll checks from unknown sources are required to have an authorization in order for them to deposit checks. If there were something wrong with a check the bank could always come back against the last signature on the endorsements.
This practice is flagrantly discriminatory toward seniors, small business persons, and minorities. If this were allowed to remain in effect a simple thing like paying your rent would be complicated needlessly and made more expensive since you no longer could you pay the landlord with your social security check and he in turn return to you the difference. If you had a thirteen year old walk your dog and you paid them by a check to monitor your expenses you now would have to get the cash first, have it on hand, and hopefully not forget what you paid and to whom. This is discrimination of the worst order and I believe this practice would complicate normal commerce.
This is further proof that the taxpayers who have paid to save the crooked banks are being abused by the same crooked banks. TD Bank should be reprimanded for this atrocious policy and further a national bank should not be allowed to be owned by any foreign banks as their best interests and our citizens will not be the same.
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William Graham2
August 12, 2010
change of address
over the past month i have tried 3 times to change my address over the phone. today my new checks come in so i call to see if my address change has gone through and it has not. adding this to putting 1 teller at the 3 driveup windows at 4 pm on fridays makes me think about going back to bank of america (JK) but i am closing my account (already moved my business account) and getting another sun bank account.
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Where is my protection
August 12, 2010
Stolen debit card numbers
I checked my account online Friday Aug 6, 2010 because I was expecting a refund from enterprise rent a car that was taking awhile, I noticed my account was negative $46.27. So I called the 1800 number and was informed that my husband just used his card in the store in our town. I told them that's impossible because he is school right now taking a state licensing test. So, I called him and asked if he had his card on him he said yes. BTW, his school is over 10 miles away from the store it was used in. So I called the bank back and told them it wasn't him. So they advised me to go the police and report it, so we did. The police told me to go the bank and fill out the REG E form, to have the investigation begin, so I went across the street and did that. While I was there, the girl I was working with advised me that my card was also used a minute apart. ( why couldn't the rep on the phone tell me that, I have no idea) I'm like how is that possible I have my card and I pulled it out of my wallet to show her. So I told her to cancel our cards and don't give us new ones until we figure this out. She did that, and put stolen cards in the system. But we couldn't go any further until it posted to the account because it was still in the pending transactions. Okay I leave. The detective calls me Tuesday and I explain to him what happened and he says well we can't investigate until it posts to the account, so I call the bank and see it's overdrawn $107, So you know now I'm pissed!! Me and my husband run to the bank to find out they tried it again on Sunday morning 8/8/10, both our cards again this time a hour apart. So I asked what happened? The rep told me the charge was rejected. I said rejected like there was no money in the account, he said yes. I said but I was in here Friday and let you know the card numbers were stolen to cancel the cards, and he said yes it was. So I asked why when this thief went to use the cards why didn't the card come up stolen call police? He couldn't answer me. why wasn't I notified? his answer was if we called you you would go to the store and that could be dangerous, I asked him what is that your business, if I went to the store caught the thief and beat the crap out of him? No answer again. So now I'm on fire, because 1) the police station is a half a block away from the store and maybe if it came up stolen card we would of had a chance of catching this creep. 2) it happened twice an hour apart from one another and they were able to walk right out the door. So I called the fraud dept of the bank, because I want answers! I was told when you report your card stolen it takes 2 days to post that message to your account. ARE YOU KIDDING ME????? So now I'm waiting for the detective to call me because they have to go the store to view the tapes to prove we weren't there. Also, it seems that our cards were duplicated. Because they were scanned at checkout. The store does not enter card numbers, they are not allowed. Why is my security?? 2 days to post to the account that our cards have been stolen. Come on, in this day in age with technology the way it is, why does it take 2 days? So, I'm taking my money else where and letting every paper, every web-site and consumer affairs and anyone else you can think of know about this. SCREW YOU TD Crooks! At this point I'm more mad at the bank for letting them walk out the door twice!!!
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scarter01
August 5, 2010
fraud reimbursement and overdraft fees
I am a victim of ATM fraud in which someone stole $500 and then $200 immediately afterwards. I informed the bank the day after it occurred. They took a month to start an investigation and then a couple of days to deny the claim. They said the PIN was used and the Card was not stolen so it wasn't fraud. I never shared my PIN with anyone and I never lost my card. I check on line to find out how this could happen. Lo and behold ATM skimming that had been reported in various locations around the Washington Metro area that I lived. I told them this and they said it didn't exist. I reference news articles from washington post and other reputable sources. TD bank in other locations around the US and Canada has been the ones reporting ATM skimming. I filed a police report and the investigator said they'd be in contact with the police. Only after I lodged a complaint with the OCC and Attorney general did they contact the police and said regardless of what is on the ATM video tapes they will not refund the money. During all of this they have continued to charge me over draft fees. After depositing $1000 to bring me back into good standing they froze the money and continued to charge overdraft fees. They will not close the account and I have no other recourse but to complaint. I have been a victim of fraud and now a victim of TD bank.
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matt9881
August 4, 2010
Over draft cahrges/Horrible Employees
THEY CHARGE YOU OVERDRAFT FEES EVEN WHEN YOUR ACCOUNT SHOWS YOU HAVE AN AVAILABLE BALANCE. THEY TOOK ALMOST $200.00 FROM MY ACCOUNT IN OVERDRAFT FEES OVER WHAT THEY SAID WAS $30.00 IN OVERDRAFTS. HOW CAN BANKS LIKE THIS BE ALLOWED TO ROB PEOPLE AND TAKE THEIR MONEY WITH NO PROOF OF WHY THEY TOOK IT. DO NOT USE TD BANK, THEY ARE TERRIBLE AND THEY DO NOT CARE ABOUT THEIR CUSTOMERS AT ALL!!!
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AVIG
July 29, 2010
OVERDRAFT FEES
I completely understand what is going on and what TD Bank is doing is technically legal, BUT it will eventually catch up to them. I had a checking account with another bank for 10 years and within those 10 years I never overdrafted-NEVER! I love how when you call TD Bank customer service they tell you that you need to keep a check register and that you dont keep track of your account good enough. Well that's just the thing, I keep track of my account so well that I know when something is going to clear or not. For example: If I use my debit card on Saturday and deposit cash into my account on Sunday (which is not a business day) once they see that I have 5 or 6 items pending the following Tuesday they literally go and backdate and charge $35 on each item and start deducting from the largest to the smallest number (not in chronological order by date of purchase) Once an item is in pending they say they deduct it from your available balance, so I find it amazing that I have an available balance at all times and then BAM my account is negative $200 in overdrafts. Like I said technically what they do is considered legal, but it is just WRONG! They have taken 100's and 100's of dollars from me. I would love to file a class action lawsuit. If there is an attorney out there that would like to take this on, I’m sure if you read all of these complaints we have a case. There is definitely a way to stop them from stealing our money.
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pensionerms
July 27, 2010
Manipulating debits
After basically calling me a liar when I told TD Bank my wallet with my debit card had been pickpocketed and refusing to pay me..they have now added a new wrinkle. Previously they told me that somehow the card must have come back into my possession because there were charges made by me AFTER the thieves racked up $500 in purchases at Macys. I pointed out to them THEIR practice of posting the LARGEST debits FIRST so obviously purchases I made earlier that day would show up after the $500 which was made after 3pm in the afternoon. Their new wrinkle is that..the purchases I made after my card was stolen were made a day after my card was stolen and why hadn't I reported those as fraudulent?. Well..how could that be? Within an hour of having my card stolen I had been to their bank..stopped the card..received a new one..froze my old bank account and opened a new one. How could ANY new purchases have been made on my card by ANYONE since they had said the card was dead. And how could any purchases have been made on my old account when they froze it? As for me not reporting fraudulent charges supposedly made the day after the card was stolen. How could I know what charges were being debited? The bank had only shown me the debits from July 1st..I had no idea what charges they debited July 2nd.
This bank stinks to high heaven . I've sent in police reports..notified letters from people with me all that day as to what purchases I made and when..and even e-mails from reps at their bank as to how they post the largest debits first. What else can I do..or do I just have to sit here and let them screw me..which they obviously are doing.
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SJNona
July 26, 2010
Strands GranMa & Babies in the Wilderness of Virginia...
I want 35.00 per UNDER-DRAFT from TD Bank - They think it's a BIG JOKE! They wont pay
me. I cant help but pay them when the resequence debits/credits to get the most out of
me!
Three weeks ago I went on vacation to the cabins along skyline drive with my daughter
and my grandsons. When I checked in my debit card was declined...
I had to put the charges on a credit card @ 21% interest so we could sleep inside
instead of out with the bears.
In the morning I drove for 40 minutes til I got a signal on my cell phone & I called the
bank. It's flagged for fraud, they said. OH - OK Thanks (woulda been nice if u CALLED
me) but OK. They said when you travel you should call them so this wont happen, I think
this is ass-backwards but OK I say - consider this my call. They say give them 60
minutes & it'll be fixed.
Next time it's fine the very next time - DECLINED.
I call again.
"OOOOPS, Sorry we told Fraud but they didnt remove the hold"
I'm gettin pissed. Gotta travel back down to I-81 & call thjem again: "Stop OK?"
"First they say - hey you weren't declined - it was an error at the vendor's terminal -
not us...", then they relent, "OK - it's REALLY fixed now - All Better".
Next time it's fine the very next time - DECLINED.
Now I call them crying! "I am in the wilderness. Do you understand ANY of this? I
have my grandbabies depending on me to feed them & get them a place to stay!!! This was
supposed to be a carefree RoadTrip kind of vacation. I am anything but CAREFREE,
here!!!"
They tell me "I cant understand why this happened. It should have been OK. We took the
HOLD off of your card... It's OK NOW. You'll be fine"
I brought the kids home - 2 days early. I had 5, 000.00+ in that bank.
So, last week-en it was hot. I decided on a whim to drive from NJ to Bass Pro Shop in
Maryland. A 2 hr drive. I shopped with a friend for 3hrs and went to the register -
GUESS WHAT? DECLINED!!! How embarrassing AGAIN !!! When I called did you know
what? I got the exact same BS? "You need to tell us when you travel" - ONE PURCHASE in
Maryland does NOT constitute TRAVELING. I AM SHOPPING!!!
How can I complain any louder - I want to SCREAM what HEARTLESS thieves these people
are. I've asked for a written copy of this "Traveling" policy...
We'll see.
TD BANK SUCKS!!!
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Loyal216
July 23, 2010
Post Dated Checks
TD BANK HAS RIPPED ME OFF!
I wrote out a post dated check dated July 30th in the amount of $1200. TD decided to pay out the check hitting me with $280 of overdraft fees. In addition leaving me with a zero balance in my account.
I called the 888-651-9000 customer service line and spoke to Amanda who advised that due to the fact that I'm enrolled in the TD DEBIT CARD Advance THEY DO NOT HAVE TO REFUND THAT AMOUNT.
I then asked to speak to the supervisor. The Vp of the call center named Ryan who was so SMUG and sarcastic. He advised that TD does not allow post dated checks and that I will not be refunded any of the overdraft fees that left me with NO money in my account.
Let me add that Ive been a LOYAL customer with Hudson United, then Commerce now TD, and this is the way they treat their customers??
I have 3 children and 7 days till my next pay check becomes available! What do I do now? Ryan didn't care nor was he apologetic at ALL.
He actually told me that I shouldn't write a check if I dont have the funds to cover the check. I advised him "THAT'S WHY IT WAS POST DATED!" If TD doesn't accept post dated checks then why did they honor it instead of sending it back with that notation. HAD I KNOWN..I would not have written that check with a future date on it.
I asked for his supervisor and he said her name was ANGEL who is currently on vacation and wouldn't be back till Next Tuesday. What do I do till then. Today is Friday July 23rd and I don't get paid till July 30th.
If anyone has any means of getting this type of situation resolved..PLEASE email the information to [email protected]. SUBJECT; TD SCAM.
Please Help.
JD |
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sjcabdriver
July 22, 2010
Overdraft Fees
From 10/2/2009 to present day 7/21/2010 I’ve been charged $1085 in bounced transactions. The 10 years I've banked with Commerce Bank, I've only bounced 2 checks. Since the merger, I've been screwed royally. What really pisses me off is when your account is in the negative and you don’t know it, go to Dunkin Donuts for a cup of coffee $1.99, pay for it with TD Bank Debit Card and they pay it. Unbeknownst to me, my account is in the negative. That $1.99 coffee results in another $35 bounced fee.
I drive a taxi for a living. I go to the bank, EVERY DAY, putting in money. I made a purchase the other day for $65 which at the end on the night caused my account to be overdrawn. I deposited $200 in my account the next morning. The following day I see that my account has been charged $175 in bounced fees! My wife’s Social Security check comes in that morning $642 deposited into account. Next day I’m charged $105 for 3 transactions that they bounced. They money was there, until they charged me $175 in bounced check charges. Their bounced check charges cause another $105 in fees. They did it, not me. In two days I was charged $280 in bounced check charges, but I only bounced 1 item. They are a bunch of thieves. I called and complained, they said they could refund $70. I hate this bank. I used to love Commerce Bank, they were awesome. TD took over and has stolen $1085 from me. I’ve spoken to many branch managers at TD Bank. They all gave me the run around with the line that “TD Bank allows the account to be overdrawn as a courtesy to their customers as not to embarrass the customer by declining the transaction.” In other words, they let you continue to bounce transactions with the debit card and charge your $35 for every purchase. A $1.99 Wawa coffee cost you $37.99, even Starbucks isn’t that expensive! I’ve opted out of that program, and yet they continue to allow the debit card to be used even if the account is overdrawn. It’s not like I constantly bounce checks, either. I go the gas station and fill my taxi up at 6:30am. My account is overdrawn and I don’t know it. Put the card in and the gas station charges the card $1.00 to make sure the card is good. That results in $35 bounced fee. Now the card has been approved, you fill the taxi with $23 in gas. That results in another $35 fee. You stop at 7-11 to get a pack of cigarettes, pay with debit card, card is approved and the $9 pack of cigarettes just cost you additional $35. I go to the bank at 7:30am and deposit $200 I made that night. I think everything is good, I just put $200 in the bank and have no idea the account had been overdrawn. I run my quicken software and update my account and I am shocked. Now, the $200 I just deposited puts my account well into the black. I'm up $180 in my account, so no problem, right? Wrong… Those purchases I made while the account was overdrawn and yet they were approving my debit card will now cost me $105, once again, causing the account to be overdrawn. And the cycle of getting screwed continues.
10/5/2009 $105 bounced fees
10/20/2009 $210 bounced fees
12/2/2009 $175 bounced fees
12/3/2009 $35 bounced fees
4/19/2010 $70 bounced fees
4/20/2010 $210 bounced fees Not a single debit transaction was over $10
7/20/2010 $175 bounced fees
7/21/2010 $105 bounced fees
Do you see the emerging pattern here? The bounced fees imposed from the previous day cause a chain reaction where the following day I'm charged with more bounced fees, like I said $1085.
I would love to get a class action lawsuit against TD Bank. I would love to get a lawyer and all the other people who TD has victimized and get a class action law suit against TD. I know I'm not the only one victimized here.
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