TD Bank North Complaint - TD Bank is a Thief...Do NOT Bank There!!!
I have been a member first of Commerce Bank then unfortunately continued as TC Bank bough them out. Since Day one of being a member of TD Bank, I have nothing but problems with them. Their customer service is horrible and they do not know how to treat someone like a human being. We all make mistakes..it happens but apparently they DO NOT make mistakes. I have had many issues with their overdraft fees. The will make sure that they post your transactions from highest to lowest in order to fully benefit from any overdraft fees that they can squeeze out of you. This now causes a waterfall of overdraft fees until you are able to catch up with can be difficult in this economy. Not only that they apparently "hold" money for a transaction which has not even been processed yet. That is just insane!!! I use the online banking system on a daily basis in order to ensure that my account does not overdraw. Yes I have made mistakes and have owned up to those overdraft fees as I am human and it happens. Your bank statement online or in paper form is supposed to be a legal representation of what is in your account. Yet if you call TD bank and speak to a representative they will tell you something different. What they see on their computer screen in totally different than what you see in front of you. The order in which posts are made are in different orders and your balance is even different too. I have now been charged 5 overdraft fees for items that have NOT caused my account to overdraft due to one item that I openly admit did cause it to overdraft. Now how do you figure that one out? Well apparently even though my online banking statement showed that I have approx $5.00 in the account on Tuesday then on Wed the $27.00 that caused the overdraft came through I was actually already in the negative way before the 27.00 even posted. They so conveniently (and I say that with sarcasm) decided that they wanted to take out the 27.00 FIRST even though the 5 other transactions were done even before that 27.00 transaction even came through. Now I don't know about you but when I keep track of my banking I input my transactions in the order to which they were spent. NOT in the order that gives the bank the most profit. Now I am in the whole with the bank and when I spoke to them about it they just say that I am stupid and incompetent and that I need to pay better attention to my banking and that there is nothing that they can do for me. Well TD bank...all I have to say is Most Convenient Bank My A$$