TDBank has a full proof plan to rip off customers, I knew that I was getting ripped off so I tried this and they had no answer. I'm not proud to admit this but they know I live paycheck to paycheck, if I write a check, they will purposely show it as cleared...not in the pending but actually cleared. So if I have a few dollasr left that is less then the actual amount of the check and I make a withdrawal or purchase then they realease the check so that it overdraws and charge me $35.00. I printed out a statement showing that all of my checks had cleared. I made a purchase less than the check and they sent the check through which caused it to generate overdraft fees. Unless you are keeping a paper trail account they will get you, and they also have a way of charging you the NTD (Non-TDBank) $2.00 fees so that they can conveniently cause your checks to overdraft as well. I have my disability check , work and military going to them so its hard to stop my accounts but I really have to, they are killing me (us) slowly.
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.!