Applied a loan with the bank and basically I am working with Robot during the process. The person who deal with my loan is not a professional and did not ask the right question. It is a totally wasting my time (20+ days) and money ($500+). Emails do not work well, Fax is the only way to communicate and many time even not work. I have to Fax the same documents again and again couple time and they still claim not received them. I have to print them out and bring them to the local branch, and they still send me auto-generated emails saying missing documentations. Unbelievable. I filed a complain with their Mortgage department, they do not even bother to return my email.
I applied new mortgage and several refinance before and all of those are very straightforward and never has a problem. I always have a person to work with and call will be picked or returned. My calls to TD always go to voice mail and the voice mail stated they will return my call within 6 business hours, but I never got any returned calls.
I do not understand why they even bother to have a such broken mortgage processing department. They should all be fired. How they can claim America's Most Convenient Bank???? It is truly a shame.
Stay away from them for any loan application. I won't recommend it for anyone.
I established a pass code as an added security measure for my account. So I don't think after that I should have to recite every part of my name which is long to the persons there. Also when I don't give my complete full name to the person who just gave me a hard time about my name and they still give my balance to me, are they stupid? So when I call to complain about the two issues as to why whole name, I get answers like"I don't know what the issue is its just your name" from the manager. In professional manners at front counter,
I worked in the customer service over the phone for TD bank. I've read more then half of the reviews from these people and you are all being just ridiculous. Do not get me wrong TD has it's moments where they do something completely uncalled for or just plain stupid, but for the most part TD is a good bank. You all want to complain or whine or say about how TD robbed you. READ THE PAPER WORK, that's what it's there for! When they took over Riverside and the former Riverside customers started complaining about the Monthly maintenance fee's, one question I would always ask did you receive your checks and debit card. Of course the answer was always yes, well guess what buddy the paperwork was in that packet! There is a part where you need to grow up and take responsibility for YOUR money. The OD fee's I understand a little more but most people who call in and say " I DIDN'T KNOW!" That's crap too. The customer service reps are noting accounts, if your rude it's noted when you are educated on how pending and posted transactions work it's noted. So seriously stop trying to pull bullsh*t. When you've had 100's of dollars worth of fees. You people also need to understand that if a rep is being rude. How about you try being nice to someone calling you a c*nt or a*shole or d*ckhead because you are unable to manage your account. There is only so much a person can take. I just love how most of the "complainers" are talking about fee's go ahead and move banks because if you overdraft your account EVERY financial institution has the right to charge overdraft fees! If you want to avoid them then MANAGE YOUR MONEY!