My problem is not with this branch. The employees are uniformly pleasant and professional. It is with TDBank as a financial institution.
The representatives one reaches on the toll free lines are an entirely different matter. Examples: suddenly finding you can't make an international ATM withdrawal. First, at your expense, you have to call customer service, wait indefinitely having the infuriating mantra, "America's most convenient bank" poured into your ear over and over again. Then, when someone finally answers, to be told in the way someone might speak to an especially stupid child, "Sir, the problem is that you don't have enough money in your account to cover the withdrawal," then, when I point out that the withdrawal is for $200 and that there is more than $5000 in the account, the answer is "Oh." No apology. (TD Bank will be quick to say that one can call them collect. No one in Southeast Asia uses land lines anymore. So, an empty offer.)
But that was some time back. Most recently, I suddenly found that I was being charged a substantial fee for each international ATM withdrawal (I live abroad five months of the year.) I called TD. The person I spoke with said, "Those fees will be refunded to you at the end of the month. But I will refund them immediately now." Which she did.
I withdrew more money. More fees. Called TD again.
Once again, having to listen ad nauseam to how convenient TD is. The person who answered said, "As of February 15, TD will charge for all international withdrawals." I told the agent what the previous agent had told me. She said, "That's incorrect." I asked for ny fees to be refunded again since I had been given the wrong information. "I'm sorry Sir. They were refunded once. We can't do it again."
I then had a long exchange of messages with customer service. They told me that they wanted to have a conversation with me to comfortably resolve the problem. When the conversation occurred, there was no resolution of any sort offered. It was take it or leave it.
Add to all this that TD canceled my credit card because I didn't use it often enough. I have several other cards. No other bank has ever done that.
So, I'm leaving it.
Good bye!! read more