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.
My husband's debit card number was stolen. No one from TD bank notified him, despite Visa canceling it and notifying the bank. The only way he found out that it was being fraudulently used, was when he tried to use his own card and it declined. Even with Visa confirming it was fraudulently used, TD bank had to turn it into a lengthy investigation. We had to wait about a month for the money to be put back in our account.
I received a $50 TD Bank Visa gift card as a present and it has turned out to be the worst gift ever. I tried to use it at a restaurant where the waiter told me he was unable to get the funds off the card and I needed to call the bank. I subsequently paid the bill in cash. Over the last six months I have called many times about this dispute. Originally I was told that I would get my money if the merchant did not respond in 30 days. Subsequently I was told the merchant did not respond but the dispute was constantly being reviewed and someone would get back to me.
In late June / early July, I was told that in order to get my money, I needed to produce proof of payment. It is ridiculous to ask a customer to provide a receipt six months later. I spoke to a representative who told me the initial representative had given me bad information, would work to get it resolved and call me back in a few days with an update. Obviously I never heard from him and received a letter in the mail closing the dispute. Calling back I was told there is nothing that can be done without a receipt.
The lack of customer service on this issue is appalling. Amazing that you can call yourself the friendly bank and criticize other banks for their lack of customer service.