I just want to share my bad experience and the nightmare that tdbank is giving to me...!!!... I got a call from tdbank fraud department telling me that one of tdbank’s employees gave out my personal information (name, address, social security number and account number ) without my consent to an unauthorized party... The customer service representative at fraud department ( named ms. Stacy) whom i spoke with, told me that this happened “mistakenly or in purposely ”
i am very concerned about this situation and, i cannot believe that such financial institution can have such inexperience employees working and handling such sensitive information. Ms. Stacy tried to calm me down telling me that this “it might happened” and that this situation is under investigation, but it was too late because at the beginning of our conversation she clearly said, “that it happened”. I am in state of shock to know that my personal information is out there in some criminal’s hand, and this is issue is causing such state of intranquility and anxiety to me. I can not believe that this institution doesn’t has the proper security systems and resources to protects the identity of their customers and, i am demanding to have more information about this issue in what happened and how this happened. Obviously tdbank don't know how to handle your personal information.. How is possible that kind of leak!!!.. This issue is creating such of state of anxiety and paranoid to my persona and i've been calling and sending letters to get a response in how this happened and when... And all that they tell me that is "under investigation"... This is scary!!!
The way I see it, TD bank is a predatory institution in the guise of a friendly neighboring bank. I have maintained a checking and a savings account with this bank for quite some time. I have never taken a loan or even a credit card from them and have always had a positive balance in my accounts until .....
Initially I used to have my paycheck deposited to TD but then switched over to a bank on my companies premises just because it was more convenient. So I closed down the TD savings account but still maintained a checking account with them mainly because I sometimes visit family in Canada and thought that having an account with a Canadian bank would make it easier to withdraw and exchange currency when I am there.
However, one Saturday evening, I make a withdrawal from a TD ATM machine using my TD debit card which brings my checking account below 100. Unknown to me and without any warning, they hit me with a fine of $15 and repeatedly keep doing so every 10 days. Their repeated fines push the account into the red zone and then they hit me with an insane overdraft fee !! So now I owe them $80 !!!
Wow ... if converted to an interest rate, even the worst credit cards have a lower interest rate than that and that for loans that they actually give out to you ... and I didn't take a single dime on loan from TD but actually gave them my business !!!
I understand that most banks have a predatory instinct but some banks are worse than others ... so I am done with TD which in my opinion is the worst bank that I have dealt with ! They certainly do get you in through the front door with smiling faces, free pens, biscuits for your pet dog etc etc etc, but its through the fine print that these smiling Shylocks really get you where they want you to be.... If TD really were a trustworthy financial institution, they could very easily modify their ATM user interface to flash a warning ... but then that would not be in their best interests would it ?
So folks if you decide to go with
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!