I used my overdraft to make one purchase. There were other debits made prior to using the overdraft priviledge, but I had funds available for them. But TD Bank decided to slide the overdraft purchase ahead of the other normal debits. This caused all of my prior debits to bounce. Of course they paid it to collect these bogus fees. Now it is costing me 140.00 in fees for 25 dollars in purchases! Absolutely ridiculous and it seems illegal!!
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.
I'm not a TD Bank customer and after today I can definitively say I never will be. I stop at this ATM on my way to work for cash (my bank reimburses other bank's fees). Towards the end of the transaction as the machine is about to dispense my money, the screen freezes then goes black. I go inside to ask to speak with someone. I'm told to wait. I wait. There's a woman sitting at a desk not helping anyone stairing at her computer monitor. Not wanting to be late for work, I go over to speak with her. She tells me to have a seat doesn't even want to know what I need to explain to someone. Then another customer comes him from the ATM something similar happened to her. She and I start talking and I start telling customers in line what happened real loud like. Finally that gets the attention of the assistant branch manager who comes over. I finally get to tell her what happened. She doesn't know what to do and makes a few phone calls. By the end of these conversations she just asks me for my contact information. I have no idea what to do in this situation. Should they!?! I go across the street and print out MY bank ledger showing the transaction ID and that TD Bank's ATM withdrew money from my account. I walk back over to give it to them and say, "balance the machine and the cash should be off. Also, there are cameras you will clearly see no cash was dispensed" and left. About an hour or more later the branch manager calls me to say there's nothing they can do and I need to file a dispute with my bank in order for them to investigate. Lydia was her name and she was not nice, sympathetic or informed that customers are not knowledgeable to corporate bank policies but her employees should have been instaed of wasting my time today. Horrible horrible place!