After leaving Chase for loosing my money and taking over two weeks to return it. They mistakenly put deposited my money into someone else's account. I made the decision to move my business to TD Bank. It has been over a year now and I can't tell you how a great feeling it is to have a conversation with a bank employee does not take place through bullet proof glass.
Though I only have a checking account with TD, they do what I expect, which is hold my money and give it to me when I need it. I never use their online banking, so I have no idea how good it is, but they do have a ton of locations in New York, fees are reasonable and the bank branch experience is one of the best.
The dog friendly atmosphere is also a bonus.
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.