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.
They are sitting on a wire claiming that the sending bank never sent them the information they requested when the sending bank has now sent them the information 2x. Each time I call I hear a different story from "what wire..we don't see any record of a wire" to claiming they made requests for information from the sending bank on different dates from what I heard in the last phone call. They don't let you speak to their wire department directly so you have to relay your communication through (an often incompetent) customer service representative. I have a simple business checking account and couldn't imagine expanding my services with them when they are this incompetent on such a basic transaction.
If no stars were possible I'd give them that.
I had a car loan with them. Since my first payment I've paid my loan 4+ months at a time because I'm a seasonal employee and I like to have as little to no bills when I'm not working. This was fine for three years of my loan.Then one of the tellers processed the payment incorrectly. With out ANY kind of notification from the bank they put my account into collections! I went in a few months later knowing I should have been on track with payments and wanted to know how much was left on the account when the teller told me I'd have to call their 1-800 number to get my information which I thought was odd but paid my usual few months and left. Called the number and was told my car was in recovery! It took a coarse of three days to get everything (to what I thought) squared away. Mad at the whole situation and not wanting to deal with this bank anymore I paid my loan off in full. I was waiting the one to two months for my title to come in the mail and once I hit the third month I called the 1-800 number again to findout where my ttitle was. I got the run around again! Saying that my account is in collections abd then in recovery! I Paid it off in full at a bank branch location. This had been the biggest nightmare of my life! My credit is perfect except for all this mess which isn't even something that is my fault!
Go to this bank only if you want them to destroy your credit.!