Hello,

My name is Manivone Xaiyavong and I have applied to your bank and basically got the job. I know there is a 48 hours period to have your drug screen, and finger print done. I was told by Human Resources to take my drug screening test last Friday Sept 17th at 5pm. I have everything written down, and did everything I was told to. Human Resources admitted that it was her mistake that she mixed up the time, and so she stated that she will extend the 48 hours (monday and today) to do so. As I am on my way to take the drug screen and finger print, she has cancelled my application within 48 hours. I dont think that was right, and I deserve this job. I have also reported this to the BBB.

I dealt with Lynn (Human Resources) and the numbers I reached her on is

Cell: 603-660-4306 Office: 978-684-6625

and supposedly her Manager Lee Scott (Human Resources) at her office 908-342-5266.

Please investigate, because I will not let this go. Please reach me at 978-328-4901, or my email at [email protected]

I have long had issue with TD Bank's outrageous fee asessment, moving of my tranactions, and denial of any wrongdoing. On the rare occasion I have been refunded a fee, it has been with condesention and nastiness. My complaint now is about how money for the same transactions was removed from my account twice to create a large overdraw, then put back after the fees were asessed to charge even more money.

When I went to the bank to ask about why I was charged nearly $300 in fees, the person I spoke to showed me how $18.00 in transactions had been held, leaving 7.99 in my account. Then 8 additonal transactions were put through my account. All of the transactions by the way add up to less than 25 dollars. I did not make 8 transactions in addition to the 18 dollars in transactions that were "held" . I specifically asked if he was telling me the 8 transactions he is showing me on 7/12 are different transactions apart from the ones that had been on hold for the 18.00 on 7/9. He said they were different transactions apart from the transactions in the 18.00 being held. I then requested to see what transactions made up the 18.00. He went to print them out, then tried to distract me from them to discuss the additonal 4. It was at that time that I noticed that the same 4 transactions on the 18.00 hold were the same 4 being charged as overdrafts in additon to that amount, each having a fee asessed. When I pointed this out, he changed his story, but I had the printout and I had questions.

What had happened was the 18 dollars had been held, then the additonal 4 transactions were out through along with at least 2 of the previous ones already taken out, which would overdraw the account because th emoney was already taken out once already. Then, fees were asessed, then the 18.00 put back into my account (the person I spoke to type in some different code or number to show different screen with them the way they show up on the statement), but sucked up by the 105 in fees. Then the remaining hold transactions put through and I was charged more money in fees. Then, a check went through and was charged an additonal fee. While I can understand that banks charge for an overdraw, to remove the money twice to increase the number of fees asessed and then deny it seems unethical. In all I should have been charged 1 fee and that was for the check. The other overdraw came to less than 5 dollars, which they state in their own information they do not charge for. Even if they did, again that does not add up to $285 in fees. As a result of being unaware of these fess until I had made further transactions, I discovered my balance was -800.00 over half of it being fees they had asessed me. I have seen this happen many times when my account is within 50 dollars. I even had a check returned when the money was in my account (I was in that case refunded the fee).

Last March I noticed similar things going on with my checks. I would see a check cashed on one day, then I'd see it moved to the day before a few days later and several fees charged. When I went to the Winooski branch to ask about this, I was told by the Branch Manager Kaitlyn as follows: The check came in at midnight, the same time as your direct deposit. We held your direct deposit until 1am to put the transactions though." When I contacted TDBanknorth by phone and told them this because I wanted to know if it was true, I was told there's no way she would know what time the check went through and holding my direct deposit was illegal, especially if it were to put transactions though. There was conveniently no time on the check when i finally managed to get a copy of it. It has been suspiciously unavailable to print out or view online, even though I was in the current month to do so.

I was also charged an overdraft fee after making a $2100 deposit in May of this year, even though I made the deposit at the ATM before the time that would make it unavailable until the following day. Again suddenly that was not the policy when I asked.

All of the questions about thsi btw, including this week's transaction game play were followed by attemtpting to get me to open a savings account stating it would solve the problem. Except it doesn't. There are many stipulations that even when I asked were not told to me when I initially was going to open a savings account. It is just another way to manipulate more money out in fees.

When I contacted TDBanknorth by phone to speak with a manager this evening, not only was I given the same excuses. But when I said I would file a complaint about it and close my account, I was threatened with additonal retaliatory fees and told I'd be left with little over $3 in my account when he was done. His name was Ryan Wall. I am certain that is illegal and would liek to know how to file a formal complaint directly against him. He apparently feels he is above the law and as he said, "is confident that he is in the right." If I see additonal fees asessed to my account now, I fully plan to report it. I an be reached at 617-391-8451 or 802-862-6174 x139 before 4pm on weekdays. I do have printouts to fax of this recent transaction issue and can tray to find any I still have in my posession regarding previous issues. I believe they do this to create an overdraw history in accounts so they can justify their refusal of returning fees and remove any credibility the person has when they ask questions. Please let me know how I can be assisted with this as I am now concerned that Mr Wall is going to create further issues in my account to justify his behavior.

Thank you
Scott Robinson
[email protected]

I was billed an overdraft charge when my account reflected being in the positive. With no clear explanation of why the account was overdrawn. So I call TD BANK and waited about 45 Min before a representative answered the phone and was told that there was a authorization on 9/30 that hit the account and my next purchase of $2.26 hit the account. To make matters worse the purchase that TD BANK states was on hold did not hit the account until 10/13. So they bill me an over drafted fee for no reason at all. TD BANK is the worst bank I have ever dealt with and will be canceling my account with ASAP.

I made 19 dollars in purchases- with my visa card.
Now the bank is charging me 175 dollars in overdraft fees because apparently
my balance online differs from what is actually in my account.
Sound like it's impossible-? tell it to the person writing this complaint who at the moment in in tears.
How we'll make it through the week I don't know- the bank is taking all of my paycheck in fees.
DO NOT TRUST TDBanknorth--> be warned.
Greedy corporate bank.
(Resumes crying)

Bought car throught a local dealer and applied for a loan through Chase. On the delivery date, the car was damaged. The next day the entire transaction was cancelled and my $5, 000 deposit plus another $250 in registration fees were refunded. On 8/29, receided a letter from TDBanknorth postmarked 8/24 saying my car loan on 8/10 was denied based on data from Experian. Called Experian and they provided and complete report of 29 pages with NO derogatory comments - perfect credit. There is no obvious reason for TDBanknorth's refusal. There letter has to be issued in error. To date they HAVE NOT responded to email or letters and they will not discuss the problem on the phone. Customers should be wary of doing business with them - they have expanded too fast and our insensitive to people - especially Senior Citizens.