After contemplating opening an account with TD bank, I 'took the plunge' in or around July of 2010 since they were currently offering a promotion which included a Flip Camera and no minimum balance checking for one year. I completed the required tasks in order to 'qualify' for the Flip camera, however it never arrived. After visiting the branch repeatedly to inquire, I was given the run around and finally gave up! In July of 2011, my one year of no minimum balance had expired and I was then being assessed a $15/month 'below minimum balance fee'. I expressed my disappointment and the 'no minimum balance' was extended for another year and $50 of the money for the fees they had withdrawn from my balance.
Still No FLIP Cam though....!
Since the account was registered to my New Jersey address and our family (Pennsylvania residence) had not been there in several months, I had not received any statements I was again faced with a similar situation. They had again began hitting my account for $15/month fees. Keep in mind, I was not utilizing this account at all. Not their checking account, bill payer services, etc. They withdrew the remaining balance I had and charged me an additional $45 before I even knew what was happening. They then closed my account and I am now considered a 'Charge off' and in collections!
I could understand assessing fees if I was late on an auto loan or mortgage payment or if I had bounced checks, but what exactly was I being charged for? Charging me for nothing. No services were ever provided and not even the Flip cam ever showed. My husband and I will continue our banking at our Credit Union to avoid these fees and poor customer service from TD Bank. I plan to let everyone know the experiences we have had via SEO, Facebook, etc. I certainly hope the $45 is worth it them!!
Approaching my full retirement age of 67, TD Bank decided to terminate me for some false policy breach. The quality of management has deteriorated to the point
of no return. I would advise anyone thinking of a career with this bank to steer clear.Extremely low wages, oppressive working conditions, and a management style that is only concerned with profit. The more you produce the more money management makes. I you get tired of constantly being beaten over the head to sell, sell, sell.And they love to charge fees. STAY AWAY.
Just three days ago someone tampered with my information. My personal checking and debit card as well as my small business account. I realize this two days later that over $1500 is missing from my business checking. Not even the bank notifies me! Someone got my info from one of their atms and used it and took out money from both my accounts until cleaning them out and even making them go negative! I call and they tell me they will investigate to give it up to 10 business days! Like i don't have a business to run myself. Then i call two days later and they tell me no one can tamper with my info again but i log onto my personal checking online and guess what money was still able to be taken out using an atm again!!! They have no security on debit cards no alerts no text messages no nothing! How am i suppose to trust this bank especially with my business acount! Worst bank ever! With customer service and fraud! No one ever knows anything about what is going on with your account or they can't tell you. How can i not be told what is going on when its my money!