I received a personalized offer in the mail for $100 bonus in exchange for opening a new checking account at TD bank and completing a certain number of debit transactions and/or online payments. I took the offer to a local branch to verify that I was eligible for this offer. I told the rep that I had a checking account at TD about a year before, which I closed because I had moved and there was not branch nearby at that time. He went to supposedly consult with his manager, and returned to assure me that I was eligible for the new offer because this invitation was addressed to me by name, not 'current resident'. A short version of this story is that I completed all the transactions required to earn the bonus, and when the time came for the $100 to be awarded to my account, it never happened. I was very patient in dealing with customer service, both online and in the branch. After three or four visits to the branch, the assistant manager told me that corporate had informed her that my bonus would be credited within about 10 days. That time came and went, and nothing happened. So I contacted her again, and this time I was informed that I was ineligible for the bonus because I had already received one with my previous account. Hello, I told them all about that when I came in with my invitation! In addition, the new offer was mailed to a new address, one that the bank did not even have one file, with my name on it. I was given every indication along the way that the bonus was coming, and then they changed their minds. Their mistake was not telling me from the beginning that I was ineligible, which would have been fine. Then it was compounded by the fact that the bank refused to compensate me as promised, and essentially just wasted my time and did not follow through on a promise. That's not a business that would get a high grade for its level of integrity.
My experience with this bank lead me to believe that management does not think that customer service is important. Their whole system needs a major overhaul. How can they claim they are America's most convenient bank. I live in Naples FL. They have no banks within a hundred miles of me. I really do not understand how they have managed to stay in business this long. They give horrible customer service.
TD Bank is the worst, every time I see customer service it takes at least 30 to 45 minutes. The bank only has one teller, when it get busy someone will open the line and take your traction to the back office. Do not apply for any loan, I apply for an home Equity loan, when I process all the papers after two months later, I return to the branch to sign the documents, the bank process my loan for a 30 year mortgage. I walk out, and never reapply for an home equity loan. I finally Closed all my accounts, I was trying to be patience, but the Bank is the Worst of all Banks. Be careful, always charging bank fee's after I closed the accounts, it took me 2 months, to confirm the closing.
They charged have charged me $3000 in bank fees, overdraft fees due to a clerical error and they refused to fix or do anything to help the situation. I had been banking there for many years and was keeping a good amount of accounts. My experience is the employees are not qualified to handle their customers and have absolutely no interest in anything other than finding ways to nickel and dime you to bankruptcy in fees.
I have been using td bank for 10 years and they have consistently let me done. Absolutely horrible customer service; no or very slow response to questions by email. And the answer is usually negative. New fees almost daily. I have put up with it for a long time but i finally had enough.