TD Bank is the quintessential example of no customer service and hidden banking fees... Stay away.. I do not bank with TD for good reason. I researched them and had one unsavory experience that I will share as an outsider.. today hard checks are vanishing as eBanking replaces the need to transact via a paper check.. However there are those occasional instances when a paper check is the easiest method of transacting.
I recently had such an instance with a TD Customer (soon to be a former customer.) She deposited my check and it cleared through my account. The next day I received a random phone call during business hours from a highly sloppy caller with a South Carolina area code. She started this hour long useless exchange not properly identifying herself and in this age of endless scams I find it astounding that TD Bank has no protocol for verifying the identity of the caller... but that's just another matter with this loser of a bank. This caller asked my identity without explaining the purpose of the call. When I pushed back she apparently had the wrong case in front of her and referred to me as some name I have never heard of before. She then continued to ask if I had recently written a check to another person whom I have never heard of.. when I pressed asking her to identify herself she declined. This initial call took over 20 minutes of wasted time.. Knowing that I had just written a check but not divulging that I had I asked her if she had a file in front of her with my last name... she then put me on hold for 10 minutes before cutting me off... I called the incoming number and she immediately picked up.. when I asked her why she placed me on an extensive hold she replied that she didn't know what to do... awesome...
I told her I wanted a call from a supervisor... 30 minutes later the supervisor called... mind you I'm not even a customer of TD Bank... she had to search for the file as she was completely unprepared... another hold for 10 minutes... she finally located the check info and said it was to verify that I had already written a check to one of their customers? This is after the check had cleared? Totally idiotic and complete disregard for the time that they interrupted from my work day.. no apology, no thank you... nada....this is a half assed bank... they charge transfer fees... monthly checking account maintenance fees that a customer has to search to find and then contest... this is exactly the kind of bank that places it in the same low life class as BOA... Stay away from this one... TD Bank sucks. read more