TD Bank Reviews

I called customer service and the employee identified as Karen (supervisor) informed me that my account was closed due to having two checks returned in the same year. It was a complete waste of time to remind them that it was only two days before, when I was informed that my account was ok. I also requested to consider eleven years with excellent payment records. She offered to send me the terms and conditions of my card and was unable to help me at all. I was really surprised when receiving a credit alert from True Credit. The TD Bank was not happy with just closing an eleven years old card from a loyal customer with a credit score of 990. They also informed the credit bureau agencies about closing my account in the same say. I can only say that reading all the bad reviews for this bank, I'm really happy about not having more business with them. They meant to hurt my credit score. I will urge the people to read all the reviews about the TD Bank before thinking about trying them.

I had always paid my mortgage at my bank Middletown Savings Bank at the counter with a book coupon. I continued this at the same branch. It just had a new sign... TD BANK. After a few months or maybe more, I saw all these late fees tacked on... Once checking my credit after being declined somewhere else for a purchase I found that MY BANK, TD BANK, reported all these late fees and ruined my credit. When I asked at the bank, I was simply told that they mail mortgage payments to a company that processes them or a mortgage processing center and it did not post until it was posted someplace that far away. This was never explained and seems to be another one of TD BANK's attempts to ** its clients and with no regard to their welfare or CREDIT SCORES. I tried to contest this and hired a credit attorney but so far all TD BANK does is VERIFY the late fees and the payments being late... They created the lateness to accrue these late fees from more than me I am sure.

I was part of the OD fee class action and received $187 for thousands of late fees. There has to be a way to stop these hideous practices... seem so illegal and punishable... If anyone has had the same experience... perhaps we could end it, get them fined and our credit repaired.

So when my husband asked the help desk/back office where our $72 went since you will not give it to the merchant nor to us. The help desk stated it is being held, by TD of course. This part of the story only makes us dissatisfied with TD. It is what comes next that makes me angry.... After waiting for a call back from the branch manager Kelly, and not getting one, my husband calls back today to try to work out a resolve. At that point the only thing the manager could do was argue with my husband saying "Sorry you're going to have to call the merchant to see if they got paid because this was your fault." I am sure corporations have a responsibility to train their employees thoroughly enough to foresee there would be a potential problem with the pending transaction if the account is closed.

When asked why then we were not offered our money so we could pay the merchants ourselves they claim because the transactions pending. Knowing their bank's policy would not allow the merchant to get paid and not giving us the money is this not considered stealing? Whether from us or from the merchant. The money is not TD's to begin with so what right do they have to say this action was our fault then take our money. This is still not resolved and the branch manager just kept telling my husband that I should not have gone to a teller to ask to close my account and that it was my fault. I was actually asked over to the teller's window with a question of what she could do to help me. How am I to know that she is just a teller and that I should be asking for her manager? Should not she know whether she is capable of closing an account or not and if not ask me to wait for a manager? All we want is to get the merchant paid with no fees or credit issue to us or the merchant... This case is still unresolved.

My employer doesn't offer direct deposit and it will be about 9 days before I get paid again. Since my paycheck is drawn on and out of the state bank, they will hold it for at least 3 days before my money is made available to me. I live in low-income housing, and I am so tired of this bank taking advantage of the average consumer. They even had to return overdraft fees to customers as far back as 2009 because they did so fraudulently. I want this fee reversed ASAP and will not settle for less.

I have had nothing but problems with TD since I got an account. I have lived here for almost 2 years. I got an account because my husband also has an account with TD. So that's when ** had gotten up, came over to me, shaking her hand in my face demanding who I was. I wasn't telling her who I was which made her angrier; she said, "I’m calling the cops." So she opened the business room door, went to another room, and dialed 911. So I got up and was leaving; she turned around and said, "You’re leaving?" I said, "Yes, I am," and I left.

The teller did not record any fake ID information in their system, and the video showed that the teller just saw the ID and pulled my account. As per the protocol, tellers are supposed to record all information from the ID provided. The signature did not even match from far with the one I have provided to the bank. I asked the bank manager that person who opened my account is involved in the fraud; the bank manager declines. Despite having clear evidences (video evidence, police report, signature mismatch, no ID proof), those dumbos gave me my money back after 2 months. Who smells fraud from TD Scam Bank?

I have been mostly using Wells Fargo over the past 3 years because it was the only branch by my college when I was away at school. I had about $4 in my TD account and never thought anything of it. Fast forward until today, I check my TD bank account statement for the first time in years (!) and two fees, overdraft fee and a maintenance fee of $4, which made me overdraft. (Thank the gods of Cobalt that I checked my mail or I wouldn't have known).

I called the phone support, which was of no help, telling me I'm not in school and I’m 27 and at that age I lose my free student checking. Let me tell you I had my account opened when I was 17 and still in high school. I drove to the bank and just sat in the drive-thru and shoved my statement in the tube and said, “Give me my $4 you took from me,” since I was lied to and wanted my account closed. I didn't care really about my money. It was just the point of the matter. Minutes later, the tube returns with a pen and paper so that I could withdraw my $4. This is why I give them 2 stars.

I am having my girlfriend and parents now switch over to Wells Fargo with referrals. (They are not a great bank either but haven't given me any problems in the time I had them). TD bank used to be a great bank with morals and with customer focus in mind. They are now no longer a benefit to have over another bank. They are the same as the rest and nothing more.

I've been to two different branches to try to get the charges reversed and they keep trying to tell me that the other items were still pending and so I am being charged an overdraft for each item. I've been told twice that someone would have to talk to a manager and get back to me.

If I have checks to deposit in my business account or cash, the tellers seem to feel overworked. This problem does not exist at the two other SI branches I utilize, but they are located far from my work and home so they are inconvenient to go out of my way just to avoid the Victory Blvd branch. As a businessman, I am used to working with people all day long and normally, my relationships are very agreeable. Someone at TD Bank should look into the management at the Victory Blvd branch. They need to take care of the few customers that I see there. I plan to change my bank soon.

When I spoke with the teller about cashing the check, she told me that I was overdrawn and I would have to pay a $30 overdraft fee and a $14 maintenance fee. My first thought was, "How is that possible? I haven't used my debit card in over 7 months." And she explained to me, that because I was no longer 24 years of age, but still a college student, TD Bank changed my account without my permission to a convenient checking account. I would have to keep a minimum $100 in the account every month and pay maintenance fees on the account.

For a full-time healthcare college student on a budget, there was no way I could keep that account. I asked her politely to close the account, and she informed me that I would have to pay the overdraft fee and the maintenance fee out of my pocket before the account could be terminated. I told her absolutely not! I explained to her that this was not my fault. This bank single-handedly took it upon themselves to overdraft my account and I should not have to be responsible for the bank's doing. In addition, I explained to the teller that when I initially opened the account, I was over the age 24. Therefore, I should be grandfathered-in and not be responsible for the charges. She indicated that TD Bank does not grandfather anyone in after age 24 as a student anymore.

I couldn't believe it. Now I had to come up with money to pay for this debt. And if I don't pay it, then this bank will put my name in a collection agency. It is really sad how these banks hurt people's pockets. They are only in business to profit, but at the working person and college student's expense. This is a terrible bank. There was no gratification from anyone, not even a supervisor. I promise, one day, I will be making good money, and when I do, I will not use this bank for any banking businesses in the future. Trust me, if you see this bank on the corner, and you are a college student, run!

When I paid off the loan, the bank overcharged me for interest, telling me that they didn't know when the loan would actually be paid off. I was due a refund of over $400. The payoff was posted on 1/2/13. I called about the refund and was told that it took several days for the payoff check to clear and for the refund check to be processed. I called on 1/18/13 (one of several calls I had made) and was told that the refund check had been mailed. I called again on 1/22/13 and was told the check was mailed on 1/16/13.

When I commented that six days seems a long time for a check to travel from Maine to South Carolina, I got the expected answer - the weekend, MLK holiday. I also learned that you don't stop paying interest on a loan, until the payment is posted by the bank. I closed on the loan on 12/28/12 and the posting was done on 1/2/13, causing me to pay extra interest. When I asked, "Was the bank going to pay me interest on my refund from 1/2/13 until 1/16/13?" Well, you know what the answer was. In closing, I must say that I got a loan from TD Bank, but it's the last business I will ever conduct with them.

Well, when 3:30 rolled around and I hadn't received a call, I called the bank myself and was told that the funds were indeed available. So, taking the bank at its word, I made purchases using my Debit card. The transactions went through with no problem. Sighs of relief, until Monday came and my fiance tried to make a purchase with the debit card and it got declined. So he called the bank and the customer service rep told him that the funds would be available Tuesday which is Christmas by the way. Then upon further questioning, we found out the the account is overdrawn some $600+.

Now I'm pissed. How can this be? So I called back and spoke with another rep. and this time I was told that when the ATM machine was opened, all of the envelopes were empty. Duh, I told the Head Teller that cash was deposited without an envelope. So, of course, the doggone envelopes would be empty. But my thing is, how is that when I called the bank Saturday, I was told that the problem was resolved and that my funds were made available to me. Fast forward two days later, not only aren't my funds available, but my account is overdrawn and I'll have to wait till Wednesday because tomorrow is Christmas. I pray that they resolve this and find my money. But one thing is for certain and that is my money is made available and that account is getting closed.

When I inspected the deposit ticket, I pointed to her that the receipt shows my account number, "How come you deposit to another account holder's account?" This morning, I saw my account was charged 2 years of safe deposit box charges. I am really pissed off. I am also writing to Better Business Bureau, FDC, Social media platforms and everywhere I can reach. I am sick and tired of the unprofessional service of TD Bank.

They have "Wowed" me by how efficiently and quickly they handled my situation and in turn I will continue to be a loyal to TD Bank by referring them to all my friends and family. I look forward to working with them and continue building a more solid relationship with TD Bank in the near future.

Original Review: Nov. 15, 2012

Over a long holiday weekend, TD Bank's application was not working properly and on the first bank day, my accounts seemed in good order. The next days I continued checking and my account balance indicated a slight shortage that I immediately covered on my pending transactions. However, the next day I went to the branch and they informed me that they hit my account six (6) times for $35.00 overdraft fees. I was horrified since I never overdrew my account. After going online myself and reconciling the account more closely, I realized that it was their excessive O/D fees that put a huge shortage of ($210) in my account.

This made a negative impact to my account balance since I don't maintain large balance in the account and use it mainly for paying bills online. TD Bank is negligent in admitting that their applications were not working properly (and kept kicking me out) during that time and due to that, the information they provided to their customer would affect their accounts negatively.

I called the branch manager, who was not in and got this guy that was actually nice. He looked into it and called me back stating they had retracted the check from my account! On Saturday, the first $100.00 was available and now they have even gone so far as to retract the $100.00 between the check and the OD and the first $100.00 that they took back. My account stands at a negative $2076.00! This bank should be held responsible for what they are doing to their customers. They should have to pay back all the money they have stolen! I am livid, and will be closing my account as soon as they return my money to me! Beware! Do not bank with this company!

On July 9th, 2012, I received a call from TD Customer Care and was told that the investigation revealed that I had only deposited $650 and not the $1300 I claim. I argued that that was not correct and that I know exactly how much I deposited (because this money was from my friend, when my friend gave the money, I counted two times). When I deposited it to the green machine, I counted it three times prior to making the deposit. I asked again to speak to the manager and again I was told that he is busy but would return my call. He did not return the call.

A few days later, around the end of June, I called the branch again and asked to see the video. I was now told that I require a letter from the TD Bank outlining the result of the investigation. On July 2nd, 2012, I called the bank again and requested the letter outlining the result of the investigation and they said they would send it the next day. On July 7th, 2012, I had not received the letter so I called and asked if they had sent the letter, because I need to take it to the branch so I can see the video. They told me they sent a letter to me on July 3rd.

On July 12th, 2012, I had still not received the letter so I called again to ask if they had sent the letter. I was told that they sent it on July 9th, 2012. On July 18th, 2012, I had still not received the letter. I called TD and was told by a manager there that a memo or some communication would be written so that I would not require a letter to go to the next step, which presumably would be viewing the video of the transaction. After this phone call, I went to Leslie St. and York Mills Rd TD Bank and told the branch manager that I wanted to take the investigation to the next level. She gave me a brochure with an email address and told me I could write a letter of request.

On July 25th, 2012, I sent a letter to the email address provided by the branch manager. I waited until August, 15th, 2012 but no one contacted me. I called TD about going to the next step of the investigation and they told me the case was closed. I asked if the case was closed, they should have let me know. Why did they not inform me? I asked them to please write a letter to me. I want a letter from your TD Bank. On Aug 20th, I received a letter from TD Bank. This is the only letter I received from TD about this matter.

My goal is for them to simply let me see the video of the transaction. A few minutes of time and the matter will be resolved. I can't understand what the problem is. If the bank is so confident in their claim that I deposited only $650, then the video will quickly reveal the truth for all to see. Unless they have something to hide, I don't see any reason for them to refuse this request. My friend told me not to go to court because TD has a big group of lawyers. It is difficult for me to win the case. But I am not afraid. I want to find out how can $100 bills be changed to $50 bills and who stole the money?

The closing agent at Laurel Abstract Company (who has been in the business for 20 years) firmly believed that TD Bank did not accept wire transfers to pay off loans and noted it was only large bank not to do so. She remarked how much more work it was to send the payoffs via UPS versus wire transfers which are immediate, safe and secure. There are no instructions on the TD Bank payoff letter with wiring instructions nor does it even state to call to get instructions to wire. Is that not deceptive even when the closing company believes TD Bank will not accept a wire transfer to pay off the loan? Why are the wiring instructions not clearly stated in the payoff document?

This is nothing but corporate greed again on TD Bank's part. It is evident that TD Bank is more focused on the bottom line than customer satisfaction or professional courtesy. It really appears that TD Bank wants people to send it via UPS rather than wiring to allow you to collect an additional 3-4 days of interest when the loan can be paid over more efficiently, safely and securely with a wire transfer.

TD Bank responded that Laurel Abstract did not ask for wiring instructions in their payoff request and its customers do not prefer the wire method. Is that because it deliberately misleads the abstract company into believing that wiring is not acceptable? Also, customers probably don't realize that mailing the payoff results in an additional 3-4 days of interest to TD Bank in which wiring would not.

On July 9, 2012, I received a call from TD Customer Care and was told that the investigation revealed that I had only deposited $650 and not the $1,300 I claim. I argued that that was not correct and that I know how exactly much I deposited (because this money was from my friend [when my friend gave the money, I counted 2 times]). When deposited to the green machine, I counted it three times prior to making the deposit. I asked again to speak to the manager, and again I was told that he is busy but would return my call. He did not return the call.

A few days later, around the end of June, I called the branch again and asked to see the video. I was now told that I require a letter from the TD Bank outlining the result of the investigation. On July 2, 2012, I called the bank again and requested the letter outlining the result of the investigation and they said they would send it the next day. On July 7, 2012, I had not received the letter. So, I called and asked if they had sent the letter because I need to take it to the branch so I can see the video. They told me they sent a letter to me on July 3.

On July 12, 2012, I had still not received the letter. So, I called again to ask if they had sent the letter, and I was told that they sent it on July 9, 2012. On July 18, 2012, I had still not received the letter. I called TD and was told by a manager there that a memo or some communication would be written so that I would not require a letter to go to the next step, which presumably would be viewing the video of the transaction. After this phone call, I went to Leslie St. & York Mills Rd. TD Bank and told the branch manager that I wanted to take the investigation to the next level. She gave me a brochure with an email address and told me I could write a letter of request. On July 25, 2012, I sent a letter to the email address provided by the branch manager. I waited until August 15, 2012, but no one contacted me. I called TD about going to the next step of the investigation, and they told me the case was closed. I asked why they did not inform me the case was closed. They should let me know. Please write a letter to me. I want a letter from your TD Bank.

On August 20, I received a letter from TD Bank. This is the only letter I received from TD about this matter. My goal is this: Simply let me see the video of the transaction. A few minutes of time and the matter will be resolved. I can’t understand what the problem is. If the bank is so confident in their claim that I deposited only $650, then the video will quickly reveal the truth for all to see. Unless they have something to hide, I don’t see any reason for them to refuse this request. My friend told me not to go to court because TD has a big group of lawyers and it is difficult for me to win the case. But I am not afraid of it. I want to find out how can hundred dollar bills be changed to fifty dollar bills and who stole the money.

So, I called them and I found out I had like 15 fraudulent charges on my account. They told me not to worry that they would close my account and that they would all be declined and that my money that was pending would be released in a couple of days. Okay, so today was the day it was supposed to be released - that didn't happen. In fact, one of the fraudulent charges did go through and I was charged $175 in overdraft fees! And that more charges may be put through tomorrow if all the other pending charges go through tomorrow!

I spoke to three different people, went to the branch and none of them told me I should put in a dispute or sign any papers or anything! I even spoke with a supervisor who refused to credit back the overdraft fees until the investigation was complete! TD Bank should believe their customer until the investigation is complete and credit those overdraft fees and the charges that the customer is telling them are fraudulent! I have never had this issue with any other bank. This happened to me with one charge at another bank and they did nothing wishy-washy like TD Bank! They should be ashamed of themselves. I am closing my account with them as soon as this is all settled! I wish I had the money to sue them; they have ripped off too many of us hard working consumers.

I have always paid my payment on time, being a few days late only a couple of times but never 10 days late and I am in a position where every penny counts right now. One month deferred would have helped out in a great way. I find it rather odd that you must have a job in order for them to help you in this way. If I had a source of income, then I wouldn't need my payment deferred. If you have a job and cannot pay your bill that seems a little irresponsible and something you can control. In my situation, my being laid off was out of my hands but I feel like I am being discriminated against because I lost my job.

I am not asking for much, a deferral of one month's payment can be added on to the end of my finance terms. I am fine with that. I have never asked for my car payment to be deferred in the past and I have always paid my car payment in full. I just need a little out this month until my unemployment goes through and I at least have a steady source of income and am back on track.

I will be contacting the FDIC, attorney general's office of Consumer Affairs (Florida), and an attorney to file litigation against TD bank for obvious fraud that was executed on the savings account and their attempt to collect fees that are in no way, shape, or form due to the bank. Now, I have a bad account with these check systems and cannot open a bank account because of this. There is something seriously wrong with the way this bank does business and every person that has been treated as I have should filed suit against TD bank to stop this insane business practice of theirs.

This is completely unacceptable. I did everything within my power to make sure the funds would be there for the check. I called TD Bank and spoke to a supervisor named Laura **. She was very rude and informed me that they weren't going to refund the fee because I already had two fees refunded. I informed her that I completely disagree with this fee and find it to be dishonest banking. I asked to speak to her supervisor and she told me I could not, but she could schedule a call back from her supervisor. I agreed and we disconnected.

10 minutes later, I got a call from another TD supervisor, a peer of Laura named Rachael **. She further informed me that the fee was still not going to be returned. I was infuriated that I was called back by a peer when I had clearly asked to be escalated. I asked Rachael to escalate me, but she refused. She said her boss isn't facing customer. I refuse to believe that there is no one higher up that I can speak to. TD Bank is a joke. I am going to close my account tomorrow and go with a more legitimate bank. I hope that this report causes TD Bank to take action.

Second, I deposited cash into an ATM, assuming it would be available right away, seeing as any other bank I've dealt with operated that way. I have never, ever had cash held for any reason when making a deposit at an ATM. When I called the bank to question this, I was told that because it was done through the machine and not a teller, it is held until the ATM is cleared the next business day, as they outsource to armored truck companies. I was furious. I explained that none of this was advised to me when I opened the account, nor was I given any sort of starter checks or normal "welcome kit" paperwork that you'd normally get when opening a bank account. The person on the phone was cold and sounded like they hated their job and couldn't care less about my situation. I was just told, very robotically, that I have to wait until my deposits clear and there's nothing that can be done.

I had been unemployed for over a month, and this money was very badly needed to catch up on bills that fell behind and for general living expenses. This horrible ordeal has created a great financial hardship on me and I'm at TD Bank's mercy. I can't put gas in my car, I can't put food on my table, and I am at a complete standstill. There is no logical justification for treating a customer with such mistrust, that you have to resort to holding a cash deposit. If anyone has experienced anything similar, please let me know. I would like to start a class action suit. The economy is tough enough as it is. Every single dollar counts; and with these ridiculous bank policies, it makes it that much harder on people such as myself that are struggling to get back on their feet.

I said, "Great", but I asked, "it takes up to 24 hours for the check to cover it, doesn't it?" She stated nope. So I did that. Well, assuming I had all that money, I used my debit card. It was a huge mistake, overdraft bank fee after overdraft fee, hours on phone explaining what happened, and costing me over $300. I can say I will never go to this bank again. I am closing my account and going somewhere else. Please do me a favor. Whoever reads this, just Google TD Banks complaints, read up on them. Even if you do not believe me, just look into these people. I also had other issues about their fees before, but this was the final straw. Again, the most common complaint is their overdraft fees and pending payments. Beware of this bank. If I can stop one person from using them, I will be happy.

Finally, they repossessed the vehicle in May 2012. They want me to pay the debt, have destroyed my credit and refuse to acknowledge my divorce decree. I am now looking at having to file bankruptcy to get this handled because they will not go after him and refuse to work with me in spite of the fact that the divorce was set up to file a lawsuit against him for the balance should he continue to default and have a wage garnishment set up. I have explained to them that, financially, I cannot pay anything on this as I have my own debts to pay and he has no bills and makes more money than I do but they refuse to go after him.

What I started to notice is that they would debit it, put just enough back as a balance, make you think you were off with your math, then re-debit it on a later day. Therefore, negative balance, instant fees. My account has also been hacked into and by the time they re-credited the money, it also went to so-called fees. So technically, I was robbed twice. I never had this trouble with all the years I was with Citibank. So after 3 months, maybe shorter, I went back to them. Hey, they may charge a $20 fee but at least I know my money is there and right. Even if it's only a penny. Someone needs to do something about TD Bank right away.

Then just yesterday, I accidentally used the wrong card to pay a service bill. I had the transaction reversed within an hour of it happening and even deposited the overdraft amount in cash before the bank closed. But the cash deposited is pending in my account, and guess what? All the transactions that were pending yesterday cleared today! So they are most likely going to try and charge me seven overdraft fees, even though I have cash deposited in my account.

When I called in March to find out what happened, they were polite enough about it; but they still indicated that this misapplication was somehow my own fault. This month, when it happened again, I was treated very rudely by the collection department; and the representative actually argued with me and said that he doesn't understand why I am sending the payment early or for such a high amount!? Again, this misapplication was somehow my fault. Basically, he said I should not make the payment 3 days early because it is confusing for them. Of course, this just means that they want to encourage me to send the payment later and run the risk of the check arriving late, so they can just charge me more late fees.

After having this experience repeatedly now, I feel I cannot trust this bank, as they seem to be trying to get whatever late payment fees they can out of their good customers with these fraudulent tactics. I am going to refinance my mortgage with a different bank (My Credit Union) and get away from TD Bank. I will never use TD Bank for any service in the future.

The manager named ** in the Rockland, Maine branch is never helpful and is always rude. I am not a high balance customer, and that is exactly how she treats me. This bank is a joke, especially that branch; and I will be taking my business elsewhere, where I can be treated with respect regardless of how much money I keep in my account. Learn some manners over there and how to accommodate customers, **! Don't open an account with TD Bank. They will slam you with fees every chance they get, and when you need their help, they could care less!

Back when I was charged $9 for the first time in the beginning of February, I called YES-2000 hotline. The woman rep told me that the $9 fee basically bought me 6 more transactions for that month–and I believed her–only to be charged it again twice more in February! Not only is this irresponsible business practice, but the fact that your branch manager's outrageous attitude and comment, “Well, she’s closing her accounts anyway, so who cares? No refund,” just infuriated me even more! The fee situation is what gave me the final push to Citibank and your incompetent and arrogantly displeasing staff was just the icing on the cake. I’m sure that the same family of mine who brought me to Commerce will join me in walking away from TD Bank. I’ve never been so offended in my life. Acquiring contact information to voice my frustration was another aggravating feat. I’m so fed up!

I accepted the proposal with the understanding that the company only pays vendors outside their country via wire transfer and they have a net 30-day terms policy. I had no problems with those terms. The company requested that I get a copy of all information for an International Wire Transfer from TD Bank, on their letterhead, which I did. They provided me with that letter on January 25, 2012. I submitted the letter to my client the same day. I was told there was a wire transfer processed in the amount of $7,500.00 on March 16th.

I began calling my bank and inquiring as to the process and when I should expect the money in my account. I was told that it would take a minimum of three days but no more than 5 days. The following Wednesday, Thursday and Friday I contacted the bank again and was told the wire was not in the system. Each and every time I spoke with TD Bank Customer Service, which was almost daily, I asked the employee if they would kindly confirm that the information I was provided in January was correct for this wire transfer, and every time I was assured it was correct.

On Monday, March 26th, 10 days after the wire was submitted, I still had not received the funds. I called the bank and spoke with customer service and this time when I asked to confirm the information I was informed that the letter I received in January was in error, that they had provided me with the incorrect bank name and the incorrect bank address and the incorrect routing (ABA) number. This infuriated me and I immediately contacted my local bank branch to find out how this could be the case. They apologized but there was nothing they could tell me.

I have spent the last 8 hours of this day trying to get the correct information. My local bank representative contacted the International Wire Transfer division of TD Bank and was given different information than I was given in January and different than I was provided on the 26th. After many hours of phone calls, I received another letter from the bank with new information but not before the local bank representative I was dealing with stated, "It scares me to death to send this to you because I don't know if it is correct!" How is a person supposed to have faith in this bank?

I have asked to be contacted by the bank manager but he has not returned my calls. I have no way of knowing where the $7,500.00 is or when it will appear in my account. My client has requested new information from the bank to resubmit the wire transfer but I don't know what their procedure is in regards to this situation. I doubt seriously they will take my word that I do not have the money and TD Bank can not confirm to anyone where the money is or when it will be returned. After all this, I called Customer Service just as a test and asked if they could tell me what the process is to do an International Wire Transfer and I was given the same information I was provided in January. I later called the International Wire Transfer Division and they provided the same information.

That would mean if the information I was provided in January was correct, then the money should be in my account. If I ask where the money is, they tell me it was never sent to the bank because I have the wrong information, but when I try to confirm the information they tell me more often than not that the information I have is exactly what I need. So I then ask, “Okay, then where is the money?” and the cycle starts all over again with them telling me the money was never transferred because I have the wrong information. They cannot possibly have it both ways, either the information is correct and they have the money or the information is incorrect and I need new information.

There is nothing I can do because nobody at TD Bank knows the answer, or if they do, they prefer to keep it to themselves. I am beyond frustrated and as soon as I resolve this situation I will be changing banks very promptly never to return to TD Bank, America's Most Incompetent Bank. I sincerely believe that the only reason this has happened is because of the incompetence and laziness of TD Bank employees and customer service. They were and are too lazy to pull a piece of paper out and read whether the information I am reading to them is correct. What a mess!

Today more than a year later, I received a phone call stating that they are now billing me for $4000 or else they will send me to a collection agency. I am sure that this is a billing error and I do not owe any money. I am willing to sue if this issue is not resolved. I don't have an account number but my social security number is placed in the account number box above.

My overall experience with TD has been a good one, but that has changed within 24 hours. Furthermore, I was informed by Charisse that my account (which should be closed) will continue to incur fees because it’s in the negative. Is this how management assists? Proper TD Bank management should assist me in disputing the consumer charge and reverse it (especially because I have it in writing via email and a certified letter to the consumer that the account was closed and should not be charged). Second, refund the $25.00 bank fee that I was charged because I was told by the TD agent that the account would be closed within 24 hours from 2/29. Third, realize that the dispute is pending (per this email and my calls) and not charge any more fees and lastly, close the account. Where is the customer service at TD Bank? If I was incorrectly charged (and can prove it in writing), shouldn't the bank advocate for me and assist me?

Mr. ** stated the justification of this was that I had been charged over $600 with Carolina First for over draft protection a year or so ago and several other charges with TD a few months ago. I spoke to my wife and she said she was aware of these TD bank charges and instructed a teller at the Woodruff Rd. branch, on the same day of those charges, that she wanted your over draft service removed from our account. She also instructed the teller that we did not sign up for this service. We received a letter from Carolina First/TD Bank during your merger, stating that this service was available on our debit card and we would need to sign up for it. I chose not to participate. I asked Mr. *** to research my account and verify by my signature and/or my wife's signature that we had signed up for this service and since he could not produce this documentation, I am at a loss as to why you have upheld his decision.

Again, in an effort to minimize our mutual costs in this manner, I am requesting that all overdraft protection fees charged by Carolina First and TD bank be reimbursed to our account by 4/6/2012. I am also requesting a consolidated accounting statement of all over draft fees charged by Carolina First and TD Bank from January 1, 2010- March 6, 2012. It is our common sense belief that automatically enrolling a customer into an overdraft protection on a debit card is unlawful and violates banking and usury laws. I am not a lawyer and I do not know for sure if a bank has this right or not. But I am willing to let a judge decide if TD Bank has the right to charge us for a service that TD Bank can't prove we agreed to and to determine if TD Bank has the right to continue to charge us for a service that we specifically requested be removed.

Be advised that I am trying to minimize my claim against TD Bank in SC and TD Bank N.A. The sum total of what we are asking for in this letter is the return of all monies taken from our account for overdraft protection from January 1 2010 through March 6, 2012. Failure to respond in writing by 4/6/2012 will result in our pleading to the court for the return of monies removed from our account, reimbursement of court costs and legal fees, our lost time and productivity in pursuing this matter and any punitive damages that the law may allow. Any settlement achieved prior to going to court would include the return of monies removed from our account, reimbursement of legal fees and our lost time and productivity. Also, failure to respond in a reasonable manner by 3/15/2012 will result in my filing a formal complaint with the Federal Reserve, the SC Dept. of Consumer Affairs and the Better Business Bureau. In no way should anything stated in this letter be construed to limit any of my consumer rights as I continue to pursue this matter including any rights I may have to create public awareness of this banking practice or any rights I may have to consolidate the claims of other consumers with a similar complaint.

The problem was while the customer service rep was trying to fix this, I was parked on a metered parking space. I got a parking ticket in front of the TD Bank. I did talk to the branch manager to pay my meter ticket, and she told me I was responsible for it. I told the manager that if they didn’t for my ticket, I will close my account.

The manager said, “go ahead and close it”. The customer service told me not to close the account, and to just call the 800 number, as they might be able to help to reimburse the ticket or credit. Finally, they gave me a credit, but the manager was so rude to me, and did not even apologize to me. She just turned around. The manager’s name is Ana **.

You see my circumstances are different as I explained over and over again to TD Bank's "do nothing help". And I use the word help very recklessly. I am a heart patient who cannot buy his heart medication because of the hold on the account. There are over $300 in checks that cannot be deposited because it will get swallowed up in overdrafts and negative balances. We cannot cash even one of them because of TD Bank's business policies. All your "help" knows this and does nothing to free up the account even partially so I can get my heart medication. So tomorrow we will start the process of finding a new bank that actually has customer service and employs it in their day to day practice.

We now know the questions to ask the prospective bank and have as a model what we do not want in a bank: TD Bank. It is amazing that while doing a domain name search that TD Bank had bought the name tdbanksucks.com back on October 15, 2001. Apparently they were aware of their capacity as a failure back then. We wish we had known.

Two and half weeks later, I still had not heard from him so I called the branch and was transferred from one bank employee to the next and she explained that Mathew had had a family emergency but that they could assist me and would call me in the next few days. Fast forward to a week later when I check my bank balance and discover that $115 had been taken from my account. The charge was called a "research fee". I was livid! Not one person explained or mentioned that the service I requested would cost anything, let alone almost 15% of what was in my account at the time. Being a struggling full time student, I am hyper aware of my finances and had someone mentioned it would cost anything, let alone $115 I would have either reconsidered or flat out changed my mind.

I spent over an hour on the phone with the TDBank call center, then back to the local bank manager, being left on hold for over 16 minutes with no one coming on the line to even apologize for the delay. I was transferred five times. Each time having to re-explain what it was I was calling about. They said they would "investigate" the situation. Hours went by and still no word so I called again, only to be met with a patronizing, unapologetic tone and no resolution. As of seven thirty last night, I was refunded only $57.50, half of what they charged me and still have yet to receive the paperwork I originally had requested!

Totally fraudulent and immoral business practice. I'm not usually one to complain but I have never been treated this way as a customer. I know the loss of my small bank balance probably means close to nothing to this corporate giant but I'll be closing my account with them first thing Monday morning.

I called TD Bank to let them know I would be heading into financial trouble, and I needed help with my mortgage. I have owned my home on my own for 12 years and had a very good credit history. After the accident, with no work and outrageous medical bills, all that changed. I was told by TD Bank to apply for a loan mod, which we all know can take months to go through. In the meantime, I applied through the state of NJ for a Federal Loan Program, which is basically an interest-free loan to make full or partial payments towards the mortgage for a period of up to 24 months. It is called NJ Homekeeper Program and receives its money directly from the federal government (part of Obama's foreclosure relief plan).

I informed TD Bank I was pursuing this, had a three-way conversation with the loan counselor and the TD mortgage rep about this, and all seemed fine. In the meantime I have been struggling to make my bills, have fallen months and months behind on my mortgage, and started selling items so I could make my payments. The other day I received a call from the NJ Housing Authority telling me that TD Bank does not participate in the NJ Homekeeper Program, or any other federal foreclosure assistance program. I was shocked because at no time did TD Bank make me aware of this even though numerous times I had told them I was seeking this help. I have learned that TD Bank's decision to not participate is voluntary and their own choice. They should have told me when I first told them I was applying for the program way back in August that I was wasting my time because they don't participate in federal foreclosure assistance programs. When I called and asked to speak to someone as to why they don't participate and why nobody told me this seven months ago, they gave me the number of their PR person!

This is preposterous! It is not a loan mod program; it is payment help. It is not altering the terms of the loan; it is an interest free sum of money from the Federal government to help me make my payments. That's all! Why wouldn't TD want to help? Why do they care where the money comes from as long as they are getting it? And why wouldn't they want to help a longtime customer who had been able to make her payments without issue, who suddenly gets hit by a car and can't work?

It's ironic to me because every month now since the accident, I receive a "very nice" form letter from TD Bank telling me how "TD Bank wants to help me avoid foreclosure" with all sorts of toll free numbers, signed by a John ** in the mortgage loan department. When I called and asked to speak to a mortgage rep, and specifically asked for Mr. **, I was told by the supervisor that "she didn't know who he was". What? I then asked why TD Bank is wasting time by sending this letter offering help when they don't participate in any programs other than their own, and have a man's name on the document that nobody seemed to know existed. This supervisor then gave me the number of the PR person, and said that she would answer my questions. And my question then was "why are you sending me to a PR person when my question has to do with policy and why you refuse to help people". There was silence. And I answered my own question "damage control".

TD Bank voluntarily chooses to not participate in federal foreclosure assistance programs. Their loophole defense is that they didn't take TARP money, so they choose to help their own customers with their own programs, which are really not helpful. A loan mod only reduces the amount of the payment. What if, like me, you can't even make the payment? And why wouldn't a bank want to help people stay in their homes and work with state and federal governments? When, and if, the PR person gets back to me, I will let you know.

Had TD Bank told me back in August when I informed them I was applying for this NJ Homekeeper Program that they didn't support it, I would have made very different plans. Instead of killing myself to scrape together the money needed for the mortgage, I would have made arrangements to sell. I was holding onto to this house because I thought help was on the way. Now I will most likely enter into full foreclosure because I don't have time left. I can not wait another few months in the hopes that TD will modify my loan. I don't have the money to make my mortgage payments while my house waits to be sold. How any director, supervisor, representative from TD can be okay with this is beyond me. And I am not the only one. And this is their policy by choice. Shameful.

Finally, last week I got my taxes back and called to set up a payment to bring my account current. I was told a payment of $600 last Friday and $1496 this past Friday would take care of the over $900 in late fees they charged us plus the car payments due. Well, suddenly on Saturday after paying all of that, it shows I owe $1100! I asked them why and they said because I was charged interest from all the late payments! They just keep adding more and more on every time I think I will be caught up. I have been asking them for months to send me a detailed billing and copies of my statements and they refuse to do it. I am beyond frustrated. I wish I could do something!

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.

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.

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.

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.

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 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.

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.

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.

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!

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.

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.

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.

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!

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.

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.

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.

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.

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.

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.

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 transactions were being purchased on a different card number from the one I had in my possession. At this time, I had two 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 were 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 identity 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 associate started to look into my claim. He then proceeded at the back office and later came back telling the matter was resolved and the money would be credited to my account within 48 hours. 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 relieved 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 were my claims denied after investigating? Why was the person who issued 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.

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.

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.

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.

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.

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

They view on their computer when the transactions were done, but still charged me with overdraft fees. Now, for every transaction, I have been charged a $35.00 fee. Just for today alone, I have been hit with $140.00 in fees. My local bank 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.

Nowhere on the information provided or online does it state this. Also, if it is a "gift" card, how are you supposed to know when the 1-year period of no fees being deducted stops? The card will start automatically deducting $2.50 per month when the card is one year old. But nowhere on the card does it state this date. Also, the TD Bank Customer Service people are all rude!

At that point, I went to the Forest Hills branch by my house and met Nicole ** and informed her of the situation. After staring at her computer for 30 min., she herself called Customer Service because 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 because bank was closing. Annoyed that I just wasted my evening - and that Nicole had no idea what she was doing - I left.

The next day, I called Customer Service. They tell me it is not an ACH charge and I can just go to a branch and sign a regular ATM dispute charge - and they also canceled my ATM acct. and give me a new card. Soon after, I called the branch by my office - the one at 2 Wall Street. ** told me all I had to do is go there to sign an ATM dispute form and in 10 days, the funds will be replaced. I did what she said and was somewhat satisfied. After 10 days, I noticed the funds hadn't been replaced so I called her. She said it was denied because it was an ACH charge.

At this point, I was 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. She then told me it was too late to dispute an ACH charge. I, of course, objected because they were the ones that held the whole process up. She checked with her manager and called the ACH Dept. and came back and said 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 - because 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, their lack of knowledge about the proper dispute process is deplorable - I honestly heard 5 different stories of what each person "thinks" 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 fraudulent - 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 and also get all my money out of the bank.

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.

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