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
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.!