2 really bad experience since Christmas. I was looking for work over the holiday season and was applying everywhere online. Week later I received a letter in mail saying I qualified as a mystery shopper and and a cheque for around 4000. Oblivious at time time went right to the bank and deposited into may account right away. Never took anything out, After a couple of hours later I realized it was a scam and made a police report with the RCMP, went to my home branch that night and told the bank manager everything gave her all the paper work with the letter I got in the mail And my police report number. She told me that my account would not be affected by it. She lied... Went to deposit my pay cheque 2 days later, And my account was on hold, couldn't even deposit my money. Waited for 40 min while they called head office and finally i could get my money that day. Next day went to transfer from my saving and it was on hold. Called Td and told me I had to go back to home branch. They told me they had to investigate, also they did not know if they wanted with there bank. Took 3 days to access my money.
2-signed up for the online app. I realized on the 1st of the month I was being charged for paper statement, that I have never received before. I looked into it they said it was because my address was not verified and they had not sent on since 2009. So was was I paying 2$ a month If they never mailed it. Ya I knew about the 2 fee from a letter they mailed, which made it to my address just fine. It said if you are currently receiving paper statement by mail you will have to pay 2$ a month. Well I hadn't got one since 2009 on there records and by mine. Asked for My money back talked to many mangers and I got NOTHING. I was like how is this fare you charging me for a service that I'm not receiving your not even mailing it. Go to the bank 2 times week no one has ever asked me to verify my address. They also said I'm the only persons this has ever happened to. BS 2 me
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.
I've had TD bank for almost 10 months now and can only compare it to my local bank I had previously. My experience has been smooth with TD and have had no surprises or fees yet. The online banking is easy to use and accurately reports any transfers quickly. The mobile banking feature is useful, especially if you don't live near a local TD and deposits are usually made that day or the next. Customer service was also helpful when I called and I was talking to a human representative immediately to answer my inquiries. Overall it's been a pleasant and simple experience with TD.