TD Bank

When I came to the branch over a year ago, Erin greeted me. She was professional; however, she had no idea what she was talking about. She pretended and tried to sell me the products which I did not need. She didn't listen to me what were my needs. I had a problem with a deposit and she thought I needed a new checking account. Her service is horrible and I think TD Bank needs better CSRs than her. I left the bank because of that!

Working for TD was the worst experience. Most of the managers are horrible at treating their employees. They lie, are bad communicators and horrible at managing. Especially, working for Olivia ** who is the worst Assistant Manager. She now works at 14th Street branch in New York, New York.

Her management style is ridiculous. She lies and threatens employees since as she is saying she has a power to promote you. If you perform well or not she does not care. All she cares is what you can do for her. She doesn't work for the best interest of the bank and its shareholders but looks for personal benefit instead. This type of management will bring TD Bank to a poor performance.

She takes someone's credit for all their hard work. She needs to be written up and monitored to what she is doing. Such management style is not only bad for her subordinates which she often puts down, but for the bank as well. Since this encourages manipulation and possible fraud occurrence. She can get away with many issues thus, encouraging other employees that to be deceiving is a norm. This type of culture and environment especially, tone at the top brings possible fraud occurrences.

Employee turn around at such branch and other branches that she worked at was high. Many talented employees left. For example, seeing how one person gets promoted who is not only unqualified but also not a very hardworking individual. Yes, management at branches are given leisure to make decisions but how can others monitor them? The structure of strategic decision-making is horrible. Something needs to be changed and Olivia ** needs to stop using her power for her own benefit.

Today I went to TD Chalfont Branch in PA to open a new checking A/C. Today was my bad day I got an officer, an old lady who don't know how to type properly and she was totally rude. After providing all information, signing the paper and depositing money, she is saying her ATM PIN typing machine is not working and I have to go to another branch to do this without saying any apologies. I agreed for that because sometimes things like this happen. After that when I checked my ATM card the name was incorrect and missing some word in the end. I told her to change this and she says it is not possible because my name is too big. Finally I told her I don't need an ATM card and I left from there. I was in Canada for five years and still I hold TD Canada Bank but their customer service is awesome. The reason I went to TD Bank in US is I thought I could get same experience here.

I have a checking account with TD Bank. I had made debit purchases that caused me to overdraw my account by only roughly $38, which is half of a $33 transaction and a $25 transaction. I had the funds in my account to cover all transactions up into this point. But they claim that due to my pending transactions that I overdrew my account 7 times at $35. How is it that in the order I made these purchases in, caused overdraw when I had the available funds in my account?

I understand the banking system and what available balances mean. But, simply taking my account balance of $1,100 and subtracting all my debit/credit/ATM charges, I was still positive in my account of $15. I'll accept the charges for the 2 over draws, but what about the other $175 in overdraft fees that don't make any sense. They charged me overdrafts on things that I had funds in my account that were available to cover the costs. This makes absolutely no sense. If anything my account should be -$108 and right now I'm currently -$217 with another $70 in overdraft fees pending.

This is a total rip off, I have to pay them $175 on charges in which I had available funds to do so. And on top of all of that, they treated me like I was incompetent and didn't understand how a debit cards functioned or what a pending transaction meant. I'm a financial planner, I get it. This is Accounting 101 stuff and I am getting ripped off. There service was condescending and these charges are outrageous and inconsistent with the purchases I made. I want them to waive the $175 of overdraft charges in which I had the available funds in my account. I'll pay them for the other 2 overdrafts the difference. But, I'll be leaving TD Bank either way.

They framed me in financing on a ring purchased at Robbins Brothers that had no interest if paid in 12 months. If you are even $1 short by the end of the period, you would owe a few thousand Dollars due to cumulative charges from the first day of the purchase. It is such an unfair, hostile and predatory financing scheme. I am now contacting the Texas Attorney General, state banking authorities and several consumer protection agencies and am sure they have several pages of fine prints to confuse consumers.

I'm getting harassing calls from TD Auto Finance collectors, three times already by Ms. Yolanda **. I left messages for her supervisor Mr. D. She degraded me over the phone. Today another family member passed and the body's up in the bed and I have her speaking down to me over the phone. Their number is 678-228-3431.

I am writing to formalize my complaint and express my extreme disappointment with TD Bank and charge Orbitz with fraud.

On Wednesday, December 7, 2011, I attempted to purchase a travel package from Orbitz to Cancun, Mexico. When I pressed the submit button to purchase the package on the Orbitz website, a pop up appeared on the screen stating your transaction is unable to be completed at this time and I was directed back to Orbitz homepage.

After several attempts to purchase the travel package, we were advised that TD Bank was kicking back the charges. I then called TD Bank and asked them to allow the charges to go through as I was trying to purchase a travel package. TD Bank informed me that they could not process the transaction due to the fact that the amount was in excess of the daily debit card limit enforced by the bank. TD Bank then informed me that I could have the debit card limit increased if I submitted a request on the TD Bank website. I submitted the request to TD Bank immediately on 12/07/11 at 8:32PM. TD Banks auto-response advised that we should expect a response within 24 hours.

On Thursday, December 8, 2011, I received a response from TD Bank at 2:28PM advising that to increase the daily limits on my debit card I would need to visit a TD Bank store or fax a written and signed request. As I did not take the additional steps to increase my daily debit card limit there was no increase to my daily debit card limit and therefore no charges were processed for the travel package.

That same day Thursday, December 8, 2011, I withdrew funds from my savings account at TD Bank as I did not want to deal with the inconvenience of sitting at the bank and waiting for my daily debit limit to be increased. I deposited the funds into Wells Fargo Bank and attempted to purchase the same travel package immediately as there were a limited number of seats left on the flights. To my dismay, the flights were no longer available and I had to purchase my travel package through Expedia. I might add that the Expedia package requires us to layover, where the Orbitz package offered direct flights.

On Saturday, January 7, 2012 I reviewed my TD Bank statement. I was surprised to see that on Friday, December 9, 2011, two days after the attempts to purchase the travel package, there were four separate charges from Orbitz to my checking account. I was charged one charge of $1,434.16 for the hotel and three charges of $1,009.63 for the airline tickets. These charges are indeed fraudulent, as I did not attempt to purchase anything from Orbitz on December 9, 2011. Orbitz was made aware that TD Bank had a daily debit card limit and they deceitfully bypassed the bank's policy by breaking the charges up into four separate transactions.

I have received a letter in the mail from TD Banks Debit Card Operation Investigation dated January 12, 2012 stating that they have opened an investigation on these fraudulent charges. This in unacceptable, as I submitted my complaint against Orbitz and the fraudulent charges to TD Bank on January 7, 2012, within the 30 day requirement to report fraudulent charges. As I adhered to the law, and am the customer of TD Bank, and Orbitz has clearly broken the law by processing these fraudulent charges the transitions should be reversed and all funds should be returned to me totaling $4,463.05.

As I am not a wealthy woman and do not have excess cash lying around, I need these funds for my trip to Cancun, Mexico. I will be departing for Cancun, Mexico on Sunday, February 19, 2012 to attend my daughter's wedding and expect this matter to be settled prior to my departure. I am elevating this complaint to see that the right thing is done and I am returned my funds of $4,463.05. If this is not resolved in a timely fashion, prior to February 19, 2012, I will obtain council and be forced to take legal action.

I have had an account opened for my 11-year-old son for a few years and TD Bank recently purchased Carolina First Bank where the account was held. The balance had been low and I knew that but wanted it to stay open so I could deposit money there for my son in the future when I had more to do it with. I just got a statement in the mail saying that the account is closed and in the negative.

Wow! They changed an account with a minor over to an account that they charge fees on and took all the little bit of money out of it that he did have. Now I have a negative on my credit because of it and owe them money because they did this without notifying me that they would. I warn everyone not to bank with TD Bank! They are crooks.

I opened an account because that was the only way to get the money I had put into the coin machine without getting charged a ridiculous fee. We had used the machine before but they changed their policy on using this but didn't bother to mention this to anyone first. I was told there was no downside to opening an account so it seemed like I had nothing to lose. I opened an account and used it for a little while but then stopped when I knew the balance was low. I haven't used the account in over 12 months and I just got a notice saying that my account was inactive and overdrawn (due to the fees they have been charging me without my knowledge) and it would be closed. I was okay with closing my account so I called them today since I just got the letter in my mail and they told me I had 20 days until it would be closed.

Lo and behold, when I called, they said it was already closed since it was 20 days since the letter was dated. The letter could have been dated any date and when I questioned the rep on the validity of the letter date, he couldn't give me an answer. This was suspicious to me and I then continued to ask how I could be overdrawn on the account when I had some funds left and the rep told me it was because they had charged me fees for the past few months. They never contacted me about anything that I needed to resolve or react to and didn't give me an opportunity to address this any sooner. The rep told me that I could pay the overdrawn amount and then it would be fine and would not go on the Chex system record (which impacts any future accounts I open at any bank).

I couldn't believe they had the nerve to ask me to pay for fees that I didn't know existed on my account on top of whatever funds I had already apparently lost. This seems absurd to me and the rep tried to tell me that it was my fault and I had time to fix this sooner and I had to keep reminding him that I was never told about any of these fees or received any information about my account status changing until it was too late. So in reality, I did not have a chance to fix anything which I think is a sneaky practice. I will never bank at TD and after reading more about the bank and their lack of customer service, I would encourage others to bank elsewhere. This is the worst service I have ever experienced.

I made ATM withdrawals Friday, 1/20, and Saturday, 1/21/2012, and a debit of $17 for a Lucile Roberts bill which left my checking account Sunday night at roughly $13. I have ATM receipts stating my account only had $13.00 available. I went to TD Bank Sunday with the intention of taking $200 out leaving me $187 in the negative and was willing to pay the $187 back plus the $35.00 overdraft fee. Come Monday to my surprise I owed $340.00. I called TD Bank complaining that it was a shady move changing my transaction dates to Monday and starting with the largest transaction to the smallest leaving me having to pay $140 overdraft fee as opposed to $35. TD Bank is telling me this is standard routine because Saturday and Sunday is not a business day, so all transactions clear on Monday.

I believe this is a fraudulent act due to starting with the highest transaction as opposed to how the transactions were done between the date and times. Also, when I made those transactions over the weekend my account was at $97 before starting the first transaction on Friday. I made a $42.95 ATM withdrawal Friday, a $17.00 Lucille Roberts debit Saturday morning, and a $20 ATM withdrawal Saturday night. I had the funds available to me before the $200.00 withdrawal Sunday night. Those transactions were taken from my account instantly. How can a bank change transaction dates on accounts to benefit them? If TD Bank wants to wait come Monday to post those transactions, then they should be posted in order that they were received not in an order to benefit them. If TD Bank posted them in the order they received them, I would only have to pay an overdraft fee of $35 as opposed to $140.

I would like TD Bank to refund me $105.00 of overdraft fees that I should not pay because I had the available fees come out of my account when I made those transactions. The only overdraft fee I should be responsible for is the $35.00 overdraft fee on the $200.00 I took out Sunday night when my account showed $13.00 from the starting $97.00 I had available Friday.

I placed a stop payment on my gym and personal trainers and paid TD Bank $25 for the service. I had an emergency and left for my my country. When I returned, I found out that the company was still taking the money out. I cancelled my contract with the gym and trainers but still placed the stop payment due to what I read on the internet about the fraud with this people. when I called the bank, 3 people told me 3 different stories.First one told me that the stop payment was placed on a payment on $259 and the computer was unable to recognize the payment charged for $220.

So, I asked to speak with a supervisor, who told me that the problem was that the company I placed the stop payment was Profitness and now the name is NSF Profitness, so I ask to speak with another supervisor, who told me that it was because I placed my automated withdrawal with my ATM and not with a voided check, well they need to return my $25 dollars because they did not provided the service and now the bank is investigating the places and is going to take time for me to get my money back. I think this is very unfair since I did everything I had to do and it was the bank who made the mistake. Now, the professional trainers made 2 transactions for $220 and the gym 2 transactions for $30.99.

There should be a serious class action suit against TD Bank and any other bank who continue to nickle and dime their clients.

I have had maybe 2 overdrafts over my entire 15 years as an account holder. In my search of a financial institution that actually cares about their customers, TD BANK is far the worst I have encountered. And I was a customer of Chase, Bank of America, Citibank and Apple. I never had the amount of overdrafts fees I receive on a regular basis until I gave TD Bank my money.

I am disgusted at the strategies devised to keep their "hands" in my pockets. For those considering TDBANK here's what I went through. If I have $2,000 in my account on Sunday pay $1800 worth of bills on Monday (which takes 2 days to clear normally) then Tuesday deposit a check of $750 and went grocery shopping and spent $250. I should have $700 in account, unbeknownst to their pending systems but they clear some charges quickly and others they keep in pending to my account or take a day or 2 to clear the check I deposited. This forces me to overdraft then they will clear the check the same day placing my account in the green. I am removing my money from TDBANK as soon as possible.

TD Bank has manipulated pending transactions in my checking account in order to collect overdraft fees on three or four items when they are only entitled to one. The items will sit in the Pending Transactions for days, then a check or debit for a larger sum will appear, overdrawing the account. The other items will then be posted and charged overdraft fees as well. This is an unfair practice designed to bilk people out of their hard-earned money, and should be against the law.

$630.00 in overdrawn fees in one month. Are you kidding me? If I am not allowed to access money from my account that has already been removed from my available balance because of debit card transactions, why then can the bank decide to post a check of a larger amount first, and then charge me over drafts for those transactions? Instead of charging me for 1 overdraft they charged me for excessive overdraft charges. I have major issues with the overdraft fees. They are ridiculous and that's obviously how they make all of the money for their fancy commercials. The customer service departments act as if you are an idiot by telling you to balance your funds; however, when I make a purchase they take the money out of my account and put it on hold then when the transaction comes in if that money is not in the account they charge.

If you have the money on hold, then it is not going to be available in the account it is going to be in the pending transactions. And this is how they get you. Ridiculous. TD has found a loophole in the federal regulations for the overdraft fees and they are maxing out at the customer's expense. It becomes an economic hardship when these fees are unfairly assessed to customers on a regular basis. The fees are so much that they take away from the money that people need to live. They should be stopped!

I tried to lower my percentage rate on my loan at TD Bank, which is currently 7.28. Two different times and both times it was denied. I had a great credit score of 780 at the time. I am a senior citizen on a fixed income. Because I could not lower my rate, I had no alternative but to file for bankruptcy. Now my credit is ruined and I'm still having problems with my loan payments because of the extreme high rate.

I made a deposit on 12/24/2011 and the bank credited my account making the funds available on 12/27/2011. I made transactions on the available funds after the funds were made available, never before. On 12/28/2011, the bank debited my account for one of the checks putting my account into a negative balance status. I called to inquire why they would have done this and they said they decided to put an extra hold on the funds, but after they had already made them available.

The only reason they would have to do this is to get my account into an overdrawn status and collect overdraft fees. The check I deposited was drawn on another TD Bank account so they know the funds are available. The account the check was drawn on has many times the amount of the check in it and they also know this. It's just a scam to get overdraft charges and I fully intend to pursue legal action if I do not get proper resolution to this issue.

Bank refuses to pay me my own money back! Six months ago, we sent an official bank check from TD Bank to pay an out of state bill. Our check never reached its destination and we were told to wait 90 days to fill out the appropriate paperwork. After waiting the 90 days, we filled out the paperwork and we were told the funds were pending in our account. Two weeks later, still no money so we contacted the bank and they told us they were going to send a check through the mail. Another two weeks, still no check so we went into the branch to speak with the bank manager. She gave us a TD Bank gift card telling us the whole amount of money was on the card. We proceeded to try to use it at the store only to find out there was no money on it.

Going back to the bank, we were told she was going to "investigate" where the money went. Another two weeks later, we went back to the bank and she no longer worked there so we started dealing with the new bank manager. He told us on a day to day basis (for three weeks) he was doing all he could to "help" us. He told us everyday to call the gift card to check the balance and every day it was $0.00. We recently contacted the OCC and The Attorney General who both have let us know this paticular bank does not feel they need to reimburse their own official stolen bank checks. After endless days and months of fighting for our own money and being lied to, we are now leaving it in the OCC and Attorney General's hands.

I ran a purchase on my debit card as credit knowing I didn't have enough money but knew my paycheck was being direct deposited the following morning. I ran it as credit because I know that it will stay pending for a little bit longer and my paycheck would clear quicker than that purchase would. They charged me a $35 overdraft fee for that transaction and two days later, it still hasn't cleared. How can you charge overdraft fees for things that are just pending? What a racket!

On behalf of my brother, Harry **, who is a mentally disabled adult. I am writing with dissatisfaction with the unethical charges TD Bank has levied against my brothers "inactive" account. We opened this account for him to receive direct deposit of his payroll check, to keep him safe. He no longer has direct deposit therefore his account is now inactive. I have not had the opportunity to bring him down to close the account. They are charging him "Overdraft Fees" on their maintenance fee of his account. I was under the assumption that if an account is inactive for a certain time that it is automatically closed. That's what they did to mine, and that is also what they did to his savings account. It seems as if they are using his inactive account to fatten their profits, and he is disabled and they know this. I told them and complained about this before.

Why are banks allowed to post debit transactions over the weekend and then choose how they are posted the next business day? If I am not allowed to access money from my account that has already been removed from my available balance because of debit card transactions, why then can the bank decide to post a check of a larger amount first, then charge me over drafts for those transactions made over the weekend? Instead of charging me for 1 overdraft they charged me for 5. Are you kidding me?

My husband lost his job, and I was negative on my account for a little over a month. I received a check for close to $3,000 and instantly deposited it in my account. I was expecting to pay off my debt and keep the remaining balance in the bank. The same day my check was processed, I found out that that my account was closed.

The bank sent me letters reminding me of my negative balance, but never gave me any notice of canceling my account. I was given the run around, just to find out where my money had been placed. This situation made me feel very low, during an already difficult time for my family and me.

All of a sudden, TD Ameritrade said that I had a debit in my account and I had bought some stock on margin. I was buying penny stocks and never bought on margin. There was always cash in my account when I bought stocks. They cheated me out of $750.00 before I closed the account.

I fell behind on payments for my car and tdbank/autofinancial is horrible in explaining things. They wouldn't give any opinions on how to help you with your payments. Not even a notice, nothing. They just came and took the car and now I am left without a car. My daughter needs medical attention at times because she suffers from asthma.

Excessive overdraft charges. Ever since TD Bank took over for Commerce I have had major issues with the overdraft fees. They are ridiculous and that's obviously how they make all of the money for their fancy commercials. The customer service departments act as if you are an idiot by telling you to balance your funds; however, when I make a purchase they take the money out of my account and put it on hold then when the transaction comes in if that money is not in the account they charge.

Well, if you have the money on hold, then it is not going to be available in the account it is going to be in the pending transactions. And this is how they get you. So if you make a $500 purchase on the debit card, they take the $500 out of your available, put it on hold and then want another $500 in the account when the transaction actually hits in order to not charge you and OD fee. Ridiculous. I spoke to a rep that worked for Commerce before they changed and she said that would have never happened with Commerce, which is probably why we loved them so much. I agree, like everyone else, that TD has found a loophole in the federal regulations for the overdraft fees and they are maxing out at the customer's expense. It becomes an economic hardship when these fees are unfairly assessed to customers on a regular basis. The fees are so much that they take away from the money that people need to live. They should be stopped!

My husband and I have been a customer of TD Banknorth for a long time and have never had issues with them up until about a year and a half ago. They had started with a lot of overcharge fees on my account and in that one time, came the ripple effect. It just keeps happening. We have direct deposit so all the money we put in, they take out in fees. I have tried to put money in to make it right and they added more fees even though they told me that it was going to be enough to cover all the fees. I try to pay bills and they bounce because of the fees which, I don't know, are there until after I send out these bills. So then, they don't end up paying my bills and still charge me fee after fee even though they don't pay them. But they do take the money out, which makes my account go negative. Then, they credit the money back to the account so they can get their fee.

In the past year, TD Banknorth has taken $6,000 in fees out of my account. That is an awful lot of money in an economy like this. And when I try to ask for help, they tell me that either I close the account completely or it's going to keep happening--which is not that easy when you have direct deposit. They say that it is completely my fault that this keeps happening to me. Now, I look and see that they are doing it to not only me. Like the other people said, the fees are like $75 to $200 at a time.

This is a complete outrage. While in the TD bank, I wanted to use the auto free coin counter, as I have always done in the past. I took my little bag of change that I saved and went inside. The tellers smiled and that was nice as before. I went over to the (free) coin counter and put my change into the machine and it counted the coins and that was great as always. I then picked out my print out from the machine and happily took it over to the teller. She asked if I had an account there I said no then she informed me that they had to charge me a 6.5% fee for the use of the machine.

I said it was always free. She said not any more if you don't have an account. Wow! But it was always free. Well since that, as of 11/1, they put this fee into use. I was upset. I am a senior and can't afford an account. I live in fixed income and I need every penny to meet my bills. She said that if I wanted to open an account I could for as little as $10 now but after one year, I would have to keep up a $100 balance. I don't have that extra money available but they didn't care. I also asked why wasn't I told about the fee when they seen me walk over to the counter machine. No answer.

This is a complete unfair thing to do to seniors and that also encourage children to do the same thing. Now they rip you off unless you don't have an account, you know? Right is right but this is wrong. What a shame that again the seniors are being ripped off when they (bank) change the rules and don't even bother to tell us. Think about it, big bank. You people have billions and we bail you all out again. A rip off. I'm done now. Thanks.

We have been customers of TD Bank for a number of years and of the local bank which preceded them before TD took over. We have never had issues in the last 10 years. They advertise themselves as being America's Most Convenient Bank. Recently, we applied for a home refinance to complete improvements on our home on which we had nearly 100% equity.

My husband and I have exemplary credit and we are very 'on the ball' when in comes to being timely with paperwork requests. I chose TD Bank because we have never had a problem with them in the past and thought they would value our business. I could have gotten the same low interest rate on a 15 year loan from any number of lenders. I chose TD Bank because of our mutual history. What I have found is that they are slow, incompetent and fail to follow simple directions. In speaking with my loan processor, I found her to be of the attitude that she was doing me a favor when so far they have given me nothing and I have paid all the loan processing fees. She spoke over me, offered no solutions and tried to make it my fault that the loan was slow in being processed and that my expectations were out of line.

Essentially I applied for a loan, sent in all the paper work I could on 8/2/10 and called on 8/5/10 to verify it had been received. I asked before going on vacation to be called via cell phone about any matters pertaining to the loan. I verified this with George when I called on 8/5/10. However, my loan processor called and left a message at my home phone which I did not receive until I returned. Had she done as requested, we would have been a week earlier as I could have gotten the email that was sent.

One week later when I returned, I sent all remaining paperwork the day after I returned via a local branch. They kept indicating on the phone that I should check online to see the status of my loan. The first anticipated closing date was 9/1/10. Then she went on vacation and it was changed to 9/10/10. Then Labor Day came and it was changed to 9/16/10. Again, they had all paperwork by the second week of August.

As of yesterday, she said the 1040's from the IRS which were requested by them on 8/17/10, a full 2 weeks after they received my authorization, were still in review. She also said the homeowners was in review. Funny thing is that my homeowners insurance company has already sent an update to my policy showing them as lien-holders. They are not even lien-holders yet. My insurance company certainly can get things done in a timely matter.

Apparently, TD Bank is overwhelmed by refinancing according to my loan processor. I asked if they were also overwhelmed by purchase loans. She said while those were high, refinances were higher and everything was taking extra time. She also indicated they had 60 days for the rate lock. I told her while I was concerned about the rate, I was more concerned to have a timely closing and would have had one already had I chosen a harder working lender.

How can we expect an economic recovery when we have a bunch of desk jockeys, pushing papers and delaying because they have 60 days for the 'rate lock'? I have contractors lined up and ready to go, but I can't get TD Bank to move. Convenient? Not for me! When the original expected closing date was 9/1/10, we began work on our house which includes lead abatement. Therefore, it is difficult to move about the house and we have a stand still with 3 children in the home. Additionally, we have a Bobcat in our backyard for a landscaper awaiting payment. TD bank set the expectation of a 9/1/10 closing so I went ahead to start the work.

Then they changed the date to 9/10/ and then 9/16 all because they can't do the process in a timely manner, nothing to do with us. Now, we have 2 contractors awaiting work and payment and a family of 5 living in hardscrabble conditions. She said she was sorry they were not meeting my expectations. I told her TD was the one that set the closing date expectations, not me.

This letter serves as official complaint about TD Bank. We are complaining about unreasonable charges and misleading information. We are being intimidated and preyed on by the bank after the franchise that we became part of took our money and disappeared.

I lost my job in January 2007 and unsuccessfully tried to find another job. In November 2007, me and my partners inquired about Cuppy's Coffee franchise and in a few days, we received a lot of information and promises. We decided to become Cuppy's Coffee franchise. We paid twenty percent security deposit and the franchise was supposed to start working on our project. The work has never started and we could not reach the franchise by any means. We had to pay for all construction jobs ourselves, even though we already paid almost $40,000 to the franchise. We were working with Commerce Bank on obtaining SBA loan and Commerce Bank loaned us $212,000. We also invested all our personal savings and pension plans into this project.

We opened our coffee shop in February 2009 in one of the most popular shopping malls in Los Angeles. The economy was at its worst in sixty years and it was getting worse every day. Stores were closing one after another because people were losing jobs and did not go shopping anymore. We tried to survive for ten months, worked twelve hours a day, seven days a week, did not earn anything, but kept losing money. We could not bear the rent and other expenses and had to close the store in November 2009.

Our relationship with Commerce Bank was fine and we could always reach them via phone or e-mail until TD Bank bought it just at the same time when we had to close. When we informed the bank about our closure, they instructed us to keep all equipment in the store until they send a representative to estimate its cost. We had to keep the equipment in the empty store and pay extra rent for one more month until the representative came. We had to wait another month to receive verbal permission from the bank to sell the equipment.

The bank refused to take the equipment as part of our SBA loan because they are located in New Jersey and do not have California business license. We could not sell the equipment because all our potential buyers were gone by that time. We asked the bank many times to send us the appraiser's report, but the bank never sent it to us. They just told us over the phone that the equipment was estimated to cost from $6,000 to $12,000.

We asked the bank to help us to repay the loan by changing our terms from ten to twenty years. The bank requested to pay off the loan immediately or in five years. The bills continued to come and we always paid the amount that we had to pay originally. The bank offered us to refinance our condo to pay off the loan. We agreed, but the bank estimated our property at much higher cost than its market price. They insist on a certain amount of money and we could not agree on that amount because our property is worth less and today's real estate market prices change every day. We offered them to refinance our property through their bank, which they refused to do due to lack of California business license. We offered them to refinance our property and pay them everything that we can get, but they do not want to do that, either.

We try to communicate with the bank, but they never return our phone calls and never respond on our email. They hired an attorney, which was not necessary, because we never refused to pay. They bill to us all legal fees even though we never signed any contracts with any attorney. They also send us bills for miscellaneous fees without any explanations or details. All bills that they send us are dated as of 16th day of a month, but we receive them 3-4 days before the due date, which is 1st day of the next month. That does not give us enough time to pay bills on time. We already paid more than $16,000 of principal amount. We are still trying to contact the bank and find the solution, but the bank sent us another intimidating letter recently, requesting to pay off the loan immediately or in three years.

In two weeks after the letter came, we received papers from court. The bank is suing us and wants full amount of the loan plus all unexplained miscellaneous fees and legal charges. The bank even overestimates the amount that we owe them. Our balance after we paid the last bill is $195,751.63. In the court papers the amount that is currently due is $197,430.30. The bank misleads the court by not providing full information about our regular and timely monthly payments.

We have a very good credit history with excellent credit score. We do not have any outstanding balances except our first mortgage, which we are repaying in time, and this loan, which we are also repaying according to the bills that we receive. We cannot hire a lawyer because we spend all our money to pay off our SBA loan. We are asking for your assistance to find a reasonable solution.

I was a victim of a fraudulent job offer. A company sent me a fraudulent check to cash as a mystery shopper. Having been unemployed at the time, I no recourse to prepay the overdraft this caused until I had employment. I reported this crime to the authorities and TD bank was made aware. Instead of protecting their account holder even though this debt was paid as soon as I had the income to pay it. This check was part of a scam. I was victimized not just by the scam but by my own banking institution who has now scarred my entire financial security.

What is worse is that as I said soon as this could be paid, it was. The risk worker who kept trying to collect on a debt that I had no way of paying took this negative action against me to threaten and basically harass for payment. Payment which I made known I would contact and pay as soon as I did work again and which I had done. I am now unable to open consumer banking accounts due to the reporting status.

I can not have a debit card on even a joint account to take care for my family. I need to have any complaints with Chex Systems or any other financial reporting agency removed by TD Bank. It is more than unfair this is unjust to discriminate against the someone for being poor. I used to be a bank manager with another institution and know that this kind of thug practice by a risk worker can be overridden on almost any level of operation.

From 10/2/2009 to present day, 7/21/2010, I have been charged $1,085 in bounced transactions. The 10 years I have banked with Commerce Bank, I have only bounced two checks. Since the merger, I have been ** 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 worth $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 of 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 and $642 was deposited into the account. Next day, I'm charged $105 for three transactions that they bounced. The money was there until they charged me $175 in bounced check charges. Their bounced check charges caused another $105 in fees. They did it, not me.

In two days, I was charged $280 in bounced check charges, but I only bounced one item. They are a bunch of thieves. I called and complained, but they said that they could only refund $70. I hate this bank. I used to love Commerce Bank, they were awesome. TD took over and has stolen $1,085 from me. I have spoken to many branch managers at TD Bank.

They all gave me the run-around with the line saying, "TD Bank allows the account to be overdrawn as a courtesy to their customers so 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 have 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 to the gas station and fill my taxi up at 6:30 am. My account is overdrawn and I don't know it. When I put the card in, the gas station charges the card $1.00 to make sure that the card is good. That results in $35 bounced fee.

Now that the card has been approved, you fill the taxi with $23 worth of gas. That results in another $35 fee. You stop at 7-Eleven 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 7:30 am and deposit $200 I made that night, thinking that everything is good. I just put $200 in the bank and have no idea that the account had been overdrawn. I run my quicken software and update my account and I am shocked. Now, the $200 I just deposited put my account well into the black. I am 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.

Not a single debit transaction was over $10. Do you see the emerging pattern here? The bounced fees imposed from the previous day caused a chain reaction--where the following day, I'm charged with more bounced fees, like I said $1,085. 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 lawsuit against TD. I know I'm not the only one victimized here. If you're a lawyer and interested in forming a class action lawsuit against TD Bank, contact me. Also, if you're a victim, contact me as well, because once I have a lawyer interested, I will give them your information so you can be added. It's time we take a stand against these banks and their unfair and unscrupulous practices.

On May 17, 2010 opened an account with TD Bank and I deposited $300, I wanted to have another bank for my saving. I dealt with one of the associate by the name of Sona (can't remember full name). After opening our account she printed our ATM card. She had problems printing the card at the time so I assume it was the printer's fault. She gave us our card, we activated it and left.

As an incentive for opening the account, TD Bank was offering a video camera. So I I tried to make small purchases to be able to qualified.

I also made another deposit on May 28, 2010 of $260. I had my debit card which I used to conduct my transactions.

A few weeks later I received my statement and was shocked at my balance in the account. On the statement there were 6 transactions that weren't mine. I immediately called the bank to dispute my charges, and I also cancelled my card to prevent any reoccurrences. After a week I went to the bank and tried to find out the status of my dispute. I signed the dispute form and was told they are investigating.

After a week I went back to the bank to get the status on my dispute, in addition to the transaction I was unaware of I noticed that these transaction was being purchased on a different card number from the one I had in my possession.

(At this time I had 2 cards on one account but I was only issued one on the day I opened the account)

I tried to investigate the matter at the bank and was told I had to call the Reg-E claims department to get further details since it was a Sunday. I called the department and was told that my dispute on the claims has been denied because some purchases used pin and these was a frequent pattern of purchases. (I never received the mail stating this I was told on the phone and in the bank).

At this time I was very frustrated and scared on the personal identify being compromised. I was told by the security department that I should report this matter to the police, so I went to file a report but was told in order to do so I need an affidavit of dispute from the bank. When I went to the bank I requested the affidavit but the associated started to look into my claim, he then proceeded to the back office and later came back telling the matter was resolved and the money would be credited to my account within 48 hrs.

I then asked what the problem was and she said he spoke to Reg-E Claim and told them that we didn't not make those purchases and it was resolved.

Although I left relief that I would get my money back, I was still not satisfied with how they handled the matter. They made me feel like I was lying. I also think that my identity was compromised at the bank.

I would really like this matter to be dealt with to the fullest. Why was there 2 cards issued on my account? Why was my claims denied after investigating? Why the person who issues the next card can't be identified?

I have lost confidence in the banking system and was very aggravated for several weeks, since this matter.

I am writing about this because I might not be the only one being scammed in this way, I would like to bring this in the light of the public

I called about my account and why I was being charged $210. I look at my online banking information and it informs me that I have money in my account. According to the representative, I was in a negative balance but my online bank, which is supposed to be accurate, stated that I was in a negative, and my statement does not show this to me.

My statement shows I had money available prior to any purchases ever being processed. I lost money that I never used, and I was unable to pay any bills after the $210 were taken out of my account. I feel that their system needs to be as accurate as they see it when a customer calls to have an explanation that they will never see with the online banking system.

My girlfriend had an account at TD Bank and put 300 dollars on her card. On 3 different occasions, she tried using it and it wouldn't go through. The first time, she called them up and their explanation was that it only works at certain locations, which is ** because it should work anywhere. So finally, the third time on 3/12/2010, she tried using it and nothing! She got on the phone, screamed and withdrew her business from the bank. They called back a little later and it turns out that all this was because they misspelled her last name! I had to use my card and if I wasn't there, she wouldn't have had any money and it's all TD Bank's fault! They're unprofessional and I'm going to forbid anyone I know from using them.

I had an overdrawn 50+ checking account for about a month and was notified by letter on 2/23/10 that the Recovery Dept. would take further collection action if I did not bring the account to a positive. I was laid off from my work over a year ago and this difficulty with my account began in January due to an emergency at my home. I have been collecting unemployment for over a year and have been seeking employment and paying my bills regularly.

Additionally, I have a second 50+ checking account which I had used to pay my bills until I was able to bring the first 50+ checking account to a positive. I made a deposit from my unemployment claim to the 2nd 50+ checking account and TD Bank, without notice, withdrew half the amount due on the first checking account, which incidentally did not bring the account to a positive, leaving both 50+ checking accounts in the negative. I literally have no money for food or to seek employment since both accounts are now in the negative.

I telephoned their online banking and was told they have a right to take whatever amount of money, at any time, from any accounts you may have without authorization to recover the funds due on any account. The problem is the funds were taken without notice, and I, the consumer telephoned the the main branch in Lewiston, Maine and made arrangements to make payments on the first overdrawn account. I have banked with TD Bank/Commerce Bank for over 15 years and never encountered any problems until the merger in November 2009.

My advice to anyone with a a TD Bank debit card is to use the card as seldom as you can, particularly when your balance is running low. While many banks utilize the unethical (but still legal, to my knowledge) practice of "staggering" your charges so that the largest one will clear first, thus setting up your account to go into overdraft status so that you end up paying a $35 fee for, say, a 5-dollar cup of coffee, I find that this bank does it more than others I have patronized.

I have sent their Customer Service Reps a couple of emails stating that I take screen shots of my account activity (which I do) and can prove that they reorganized my charges in their favor. Both time, I received a standard reply that some charges take longer to clear, and they credited my account for some of the overdraft fees. Since I've let them know I'm on to them, I haven't had many problems. Lots of banks are coming under fire for this practice and I'm sure they don't want to rock the boat.

I really don't want to change banks, as my direct deposit and some bill payments are set up with TD Bank, and I figure most other banks would just try to rob me in the same way. Still, I try to withdraw and use cash as much as possible and limit use of my debit card, probably a smart practice to employ with a debit card from any bank.

In November my pocketbook got stolen. I immediately closed all my accounts but they were able to use my debit card and charged $252.20 and then they tried to use it at a Mac machine and was denied because they did not have the correct pin. They sent my case to the fraud department of TD Bank and I did have a police report. Within two weeks TD Bank refunded my money to my account. Now 90 days later, they decided that I'm responsible for the $252.20 because they said the person had showed my license and the signatures matched.

I asked if I could see the signature and I was told, "Sorry, we don't have it but this what the merchant said". So they said, "The only thing we can tell you is you have to get your money back from the merchant." In December I received a phone call from the police department telling me they picked up two people that had my debit card on them. TD Bank is aware of this but they say I made the charge and I'm responsible for it. How much more evidence do you need that it was not me, and so much for the banks standing behind you.

On top of everything else TD Bank had the nerve to deduct the $252.00 out of my new account without any notice which overdrew my account and then charged me a $35.00 overdraft fee which I did get back after I called and complained about the overdraft fee. I have been under a lot of stress since the whole situation started and still under a lot of stress because they only found my debit card so these people could still have my license and other charges that was not found even though my charges was closed but they still have my information.

TD Bank repeatedly accepted electronic bill payments, immediately deducted the funds from my account and then created paper checks which they mailed to my credit card company, Bank of America, which did not accept electronic fund transfers from TD Bank due to "insufficient numbers of transactions." TD Bank profited from the float this created. Bank of America profited from the the delay as well since my credit card account still could accrue interest during the delay in time of 6 to 10 days before posting.

I have been defrauded since my funds have not provided me benefit during the time delay. I am not collecting interest on my money nor is my credit card balance being reduced. Both TD Bank and Bank of America have use of my money and I do not. The damage individually is less significant than the damage to the group of depositors of TD Bank and the credit card holders of Bank of America

I used to have accounts with commerce bank who recently merged with TD Bank. Ever since the merger I've had nothing but problems. First, they bounced a check, which they should have, and reported it as such. I paid the fee. 30 days later they realized they actually paid the check so they took my automatic payment for november and applied it to my "mysterious" bounced check. They basically cleared a check 30 days later and bounced my good check. THEN the federal reserve submitted for my now bad november payment 3x more and td bank assessed fees that they made me inccur!

Now, they are letting me use my atm card past my limit and assessing 35 dollar fee for a 2 dollar charge. They also will also put a check through first and let that clear instead of letting 20 atm charges clear and bouncing the check (that came in later that day) so they can have over 600 dollars of fees assessed to my account instead of 35.

On December 15, 2009 @ midnight TD Bank transfered money from a joint account with my husband into a personal account in my name to cover a negative balance I had incurred due to outrageous fees without any notice to us. When they transfered this money to cover the negative balance in my personal account they left my joint account now in the negative. Transactions that were made on the 14th and 15th of Dec. when I had money in my account didn't post to my account until the 16th and 17th of Dec. after they already left this account in the negative. They view on their computer when the transactions were done but still charged me with over draft fees. Now for every transaction I have been charged a $35.00 fee. Just for today alone I have been hit with $140.00 dollars in fees.

My local brank manager couldn't do anything, recovery dept transferred me to direct banking customer service who was rude and hung up on me. I have outstanding checks written against this account in the amount of $636.00 that were sent out before they transferred my money and left me with a negative balance. Now my balance is continuing to escalate in the negative because of these fees and their transfer. The transfer was approximately $400.00 which made my account negative and now I have approximately $200.00 in fees because of this.

So if the card is run through first, the card is denied if the amount is greater than the card value. No where on the information provided or online does it state this. Also, if it is a "Gift" card, how are you suppose to know when the 1 year period of no fees being deducted stops? The card wil start auto matically deducting $2.50 per month when the card is 1 year old. But no where on the card does it state this date. Card is now worth a lot less! Also , ALL the TD Bank customer service people are all rude!

I spend 150 on bills and then the 50 is taken from my account a week later after I have been charged $35 then the $50 is in question. They fixed it before but now they don't want to and I know that I checked my account online to make sure I had money in the bank before using.

At home reward had charged my account that I have with T D Bank in the amount of $19.95. The account had $0.00 balance on account of that I was charged an overdraft fee. I contacted T D Bank about the statement that they sent to me in reference to that amount. They gave me a number to contact the company I called and spoke to Lisa . The company refunded me the $19.95 but not the overdraft fee.

T D Bank had billed me again for the overdraft fee. I called the 800 at T D Bank you inform me I had to go to the bank to have them sort out the overdraft. I went to TD Bank on Williamsbridge Road who inform me that I had to go to the TD Bank at Fordham Road and send a copy of the statement to At home Reward I called At home Reward and they asked me to fax a copy of the statement to the compliance Dept., I did and they refused to pay. I called Fordham road branch of TD Bank they told me I have to come and file a complain. When I went to Fordham road they told me that I have to call the collection department they cannot do anything about it because my account is closed and in collection

I have a checking account at TD Bank. I received 3 consecutive charges for overdrawing my account. When I saw my account, I did not have a negative balance. The customer service agent that I spoke with said that she could not help me because I was not at my regular branch. I called my original branch and they would not put me through to the bank manager. I was diverted to csr and told that because I qualify to use my account into the negative, I have to encur these charges. I said that I was never advised about this policy and they said that did not matter. When I looked at my account, it was not negative. TD Bank did not update my account for a couple of days and then updated it with the charges to go into the negative. I just want the $105.00 because this is my grocery money and I was not informed of this policy. Why would a bank ever allow someone to overdraw their account?

0n november 18 2009 at 11:38am i called td banknorth. i have a car loan i live currently in maine but will be moving to the state of new york on the first week of december. the state of new york requires a copy of title to register the car. i been trying to get a copy from td banknorth for about 4 months now and im getting the run around. finally they send me a copy about 1 1/2 months ago but my name was spelled wrong. motor vehicle did not accept the title i called tdbanknorth to solve the issue.

i was told to wait about 10 days it is now 4 months with no answer, jus called today to find out they have not resolve the issue yet no one have look into it yet,and i was told by marie at tdbanknorth that they can not send me a copy of the title. it is not something they do until the car is paid in full, it is very contradicting becouse they send me a copy before, i got the run around again.

i called motor vehicle in new york and i was told that i have to bring all the documents needed to register the vehicle and it is my responsability. i called several motor vehicle departments in new york to get a second opinion, i got the same answer. td banknorth put me on hold when i call and after 5 minutes they hang up. this happen about 5 times already, in the mean time im paying $470/month on a car that i cannot register and the bank is giving me a diferent story everytime i called.

i have an excellent credit but i cannot pay for a car just to see it. my only choice here is ti stop making payments, becouse the bank told me they can do anything for me. i never seen something like it with a big institution like td banknorth. fourth months ago my car got impaund waiting for these documents it cost me $306 plus $470/month. thank you.

I have a 15 year loan with the bank. The loan has an annual rate of 5,75% per year of the loan. The disclosure statement states I will pay over 15 years $12,883.60 interest over 15 years. The bank has taken $9609.38 in interest in the first four and a half years. This leaves a principle balance on the loan higher than the value of the boat that is financed. The transaction history showes that every month the interest was greatly different in amount. The interest amounts don't make sense to me. I feel this loan was not handled by the Bank in a professional and equitable manner. I feel their actions in handling this loan were not legal.

horrible bank. been a customer for 25 years. on Sept 30 they switched computrer systems. never bounced check or bills in my life. between sept 30 and oct 29 the have gotten me for 560 over draft fees due to their computer error and i have made several deposits to get my balnace in order and they continued hitting me with over draft which put me in overdraft. today i closed my account! no more banking

On August 20, 2009, I opened a checking account at TD Bank located on Central Park Avenue, in White Plains, NY. The main reason why I chose TD Bank was because it was explained to me prior to opening the account by Salika M., a customer service representative, that one of the features of opening an account at the TD Bank was that payroll checks could be cashed at the bank and the funds are made available immediately. To verify this, when I actually opened the account I asked the bank manager, Ruben Miller, about the payroll check cashing feature and he stated confirmed the same.

On October 26, 2009, I called the automated system to check the balance on my checking account and found that there was an unknown charge of $175 applied to my account. I went to the bank and spoke to Joseph V. who said that this was overdraft fees and that he could not help me but he would speak to the manager, Ruben M. about the chargers and he would call me back. I waited for two days I did not receive a call from Joseph. When I called him on the third day, Joseph informed me that he had been trying to bring this to Mr. M.'s attention but Mr. M. was very busy and could not address my concerns.

I went to the back to the branch on October 29, 2009 to speak to Mr. M.. When he pulled up my account he had no logical explanation for the charges except for saying it was my fault but never showed me how the overdraft was caused by my error. However, he did refund my account the $175. Not clear what was going on, I activate the online banking feature to take a closer look at my account. While waiting for the online verification to be completed, I called the TD Bank automated system on October 30, 2009 and found that another $70 overdraft fee was applied to my account.

I then returned to the bank and spoke to Mr. M. again. He attempted to blame me again because the overdraft fees were a result of returned checks. I explained to Mr. Miller that my account had insufficient funds due to the $175 overdraft fee that was initially withdrawn from my account. At which point he refunded my account the $70.

I was given access by TD Bank to log on to my account online the evening of October 30, 2009. I was able to see that I made a payroll check deposit of $715.42 on October 23, 2009 and the receipt from the teller says that I had an available balance of $747.10 and there were funds available for all of the purchases I made so I had no idea why there were overdraft fees withdrawn from my account. I also saw that there was an additional $105 in overdraft fees withdrawn from my account on October 27, 2009.

Since the funds were available when I made the deposit, I proceeded to make purchases and write checks against the account. I wrote 4 checks which totaled $137. I then made an additional deposit of $80 on October 29, 2009. The overdraft fees that eventually totaled $490 caused all of my checks to be returned.

I went back to the bank again on October 31, 2009 and spoke to Anna-Kay W. who finally explained that even though the funds appear on the deposit receipt to be available only $100 of the deposit is truly available. So the purchases I made were more than what I had available and that is why the overdraft fees were applied. I was never told that in the past and the deposit receipt says the funds were available so I used the funds.

Further, review of my account history shows that in the past when payroll checks were made available immediately, when I used those funds, there were no overdraft fees applied. Ms. W. refunded my account $140 but was not authorized to refund the remaining $105 in overdraft fees that were withdrawn until she spoke to the new assistant manager and said she would call me by November 3, 2009.

As you can imagine, this has been a very humiliating, stressful, and disheartening experience. I had to burn extra gas because of their error and I am also concerned about the additional fees I may have to pay to the other party because of the returned checks. To further add insult to injury, today is November 4, 2009, and I have not heard from Ms. W. or anyone else from the branch as of yet. This means I will be returning to the branch again today. $490 in overdraft fees caused my checks to be returned. The bank still owes me $105, plus whatever fees are incurred by the other party, the cost gasoline

After I called to complain w online, and they put me on hold and said that i used it as a cc, i hung up and called my branch. The women reversed the charges.

they charged $210 worth of overdrafts fees. Unwittingly, using my DEBIT card, they "loaned" me money and charged me for it--like loan sharking. I had hundreds of dollars in another acct. Using my debit card, I was using my CASH but they did a switcharoo, charged the money late. frustration, $210 charged for about $50 spent. This is a predatory practice!

Since the merger on Sept. 26, TD is now charging a 5.00 TRANSFER FEE ON OVERDRAFT PROTECTION. THIS MEANS THAT THEY ARE CHARGING YOU A FEE TO TRANSFER MONEY FROM YOUR ACCOUNT TO YOUR ACCOUNT! THIS IS OUTRAGEOUS. THE PURPOSE OF OVERDRAFT PROTECTION is not to have to pay any ADDITIONAL FEES. HOW DARE THEY CHARGE A FEE TO TRANSFER MONEY FROM YOUR ACCOUNT TO YOUR ACCOUNT every time you use it! I will remove my money from this bank immediately. Be aware people! BE VERY AWARE!WHAT'S NEXT???

I went to the cashier and asked for the same amount of money the machine printed out well when I put it back into my jar it was only half full. Mr. I. realized there was a problem and offer me another $50.00. How many more people are being ripped off by that machine? An hour and a half was taken out of my day because Kurt I. did not care to be bothered.

On 9/16/2009, I made a deposit of $5,000 in cash into one of my personal checking accounts. I received bank receipt stating that cash was received and deposited into my account. 9/17/2009, I checked my accounts and the funds were NOT deposited into my account. In fact, TDBank has taken more funds out of my account without my permission. In addition, 2 ACH debits were made from other merchants which TDBank did not honor due to their claim of insufficient funds. Indeed, there was more funds available in the account before the deposit. I contacted TDBank and they acknowledged it was a TDBank Bank Error.

at noon time it is not credit until the next day so this way they can bounce my checks and collect $35.00 from my account this then makes other checks bounce and they can collect $35.00 per bounce check this I feel sure not be allowed and I believe the bank commission should rule on

on or close to January 27, i noticed a suspicious charge in my checking account for a sprint bill for 233.00. i don't have sprint and therefore alerted td bank right away. Customer service on the phone told me it appeared to be a "ACH" charge - which means my routing number was used. They also told me that the name on the sprint bill was "DAN B". THIS SHOULD HAVE ALERTED THEM OF THE FRAUD IN THE FIRST PLACE - But that is not even the worst part. The rep then told me she had electronically submitted the form but i had to go into a branch to physically sign it. At that point, i went to the forest hills branch by my house and met Nicole Nerette and informed her of the situation.

After staring at her computer for 30 mins, she herself called custromer service cause she was confused and couldn't see what the charge was. nicole then told me she couldn't do anything and i had to call customer service and speak to the ACH dept in the morning. she asked me 5 times what kind of phone service i had - clearly not believing i really DO NOT have sprint. she also wanted to get rid of me cause bank was closing. annoyed that i just wasted my evening - and that that nicole had no idea what she was doing - i left. the next day i call customer service. they tell me it is NOT a ADH charge and i can just go to a branch and sign a regular atm dispute charge - and they also cancel my ATM acct and give me a new card. soon afrer, i call the branch by my office - the one at 2 wall street. Megan tells me all i have to do is go there to sign a ATM dispute form and in 10 days the funds will be replaced. i do what she says and am somehwat satisfied.After 10 days i notice the funds haven't been replaced so i call megan.

she says it was denied cause it was an ACH charge. at this point i am livid. they didn't even call me to tell me it was denied. and also they keep switching the story - if the charge was through ACH or my ATM card. megan then tells me it's too late to dispute an ACH charge. i of course object -cause they are the ones that held the whole process up. She checks with her manager and calls the ACH dept and comes back and says definitely no, it's too late. i am beyond frustrated and just went into the branch to withdraw all funds and close the account. they tell me i can't - cause of pending debit charges. the amount of time i have wasted on the phone with customer service and going into branches is disgusting. and also - there lack of knowledge about the proper dispute process is deplorable - i honestly heard 5 different stories of what each person "think" happened .

in 8 years of being a customer of td/commerce, i have never once disputed a charge. and it's very clear and obvious this charge was fraudent - it's not my name, i don't have sprint.they not only refuse to see this, they don't even know the proper way to fix such fraud. i want to fight for the 233.00 and also get all my money out of the bank.

Check #160 of $1000 was paid on 12/31/08 but check #158 of $711.98 came on 1/2/09 and my account was short because of the erroneous charge of $35 on 12/29/08. #158 of $711.98 was deposited three times and returned on 1/5/09, 1/9/09 and 1/15/09 and TD Bank charged me $35 multiplied by 3 equals $105 because of TD Bank erroneous charge of $35 on 12/29/08. Imagine TD Bank charged me $105 for returning check #158 of $711.98. Check #158 is the most costy check in my life even more than loan shark and imagine TD Bank even returned the check. I spoke to customer service representative in the branch and he understood everything and told me that he spoke to the assistant manager and she would take care of the problem when she comes to work later on that day but nothing had happened since.

my account went slightly overdraft due to charges not being posted to my account quickly enough. my bank decided that because they paid these small charges that it would be fair to charge me $310.00 to do so! Not even consistent to the charges that were made. I was not billed or spoken to...the money was simply Taken right out of my account!

I received a gift card along with about 30 other employees for Christmas in December of 2007. I had forgotten about it until November of 2008. When I went to go to the website www.onlinecardaccess.com/tdbgift, the only information requested was that I enter my card's number and my card's 3 digit security code. It came up as an invalid number; when I called the telephone number on the back of the card, the representative was unable to find it at all; nothing was disclosed. It mentioned something about an administration fee to be added and to call the number for additional fees and terms information, but does not disclose any specifics.

The representative just said, well that's what we do here, we don't have full disclosure, it is your responsibility to make sure the person who gave all of you the gift cards also gave you each our brochure available for our gift card so you know exactly all the specifics of our gift card. So now, instead of 25 dollars, my card, with an expiration date of being good thru 09/2010 now is still open, even though the number is coming up as invalid on their website, according to the representative I spoke with, it just has no balance on it after being drained from a 3.50 per month for each month after the first 6 months, down to nothing at all.

I contacted Banknorth as I have a Visa gift card that had a $3.50 fee assessed to it. They told me they are allowed to charge that each month after a card is 6 months old because it is a "maintenance fee". I told her it is still an inactivity fee, which is against the law in Connecticut. I told her I would report them if they didn't give me my $3.50 back and they told me to drive down to the bank and pick up the money. I am still reporting them because I called two different branches and both branches told me they have the right to charge these fees.

When I first opened my account with this bank, I told them I did not want any kind of overdraft protection. Once I got my first statement,I noticed $35 bank overdraft bank fees for ATM transactions and purchases. When I called the bank's customer service department, I was told that this were mandatory fees and that I could not opt-out. I went to the branch manager and got the same answer: I could not opt-out.

A few days ago, I learned from media coverage and research that this "courtesy overdraft protection" was indeed optional and the bank had the obligation to let me know.

I called TD Banknorth today and not only the first person I talked to from Customer Service still tried to deny the optional nature of this fee but it took for me to ask and talk to her supervisor to finally get the admission that yes, it was truth that I could opt-out and that they could do that for me right now. Again, it took a supervisor to be able to get the truth from them. Actually Tiffany from Direct card services and her supervisor Sherri Poland finally admitted that this has been an option available to this bank's customers since September 2007. Again, not only I was not told so after that month, but I was told repeatedly after this date that it was not optional. I was flat out deceived and lied to by this bank: they are not only failing to inform their customers but lying to them when asked about it and telling them they can't opt out.

Now, this is especially hard on seniors who only get paid once a month. If they should make a mistake in their check book in the beginning of the month, they are hit with a $35.00 overdraft fee EVERY FIVE DAYS. By the time they receive their next check, the fees have added up to over $200. I find this totally unacceptable.

What is this person supposed to do, buy less food or not buy their medications?

I started an account with TD Waterhouse several years ago. After I was already a member for some time I no longer had the need to trade my stocks. I dumped my money into a TD Waterhouse money market and left it there. When I went to withdraw my money recently I had learned over $200 had been taken out of my account for "inactivity fees". I was supposedly mailed a statement in sometime in 2000 which stated the change of policy. TD Waterhouse had always issued a lot of green mail so I rarely read statements from them. Obviously, burried in one of these mails was a way for them to take money from unsuspecting clients.