TD Bank
Reviews and Complaints

TD Bank's check posting policies are paramount to fraud.

I check my account online regularly, and when I don't check it online, I call the banking line to check my account balance. I had paper checks outstanding I knew were going to post to my account. On 5/5 the check still hadn't posted, so I went out and picked up a couple of things, knowing there'd be more money in my account on 5/6. At 12:01AM 5/6 the check outstanding still hadn't posted to my account. On 5/6 when I got up in the morning, the check posted to my account, but my bank statement claims it posted on 5/5, even though it wasn't there the previous night and even after midnight this next morning. So TD Bank not only posts the check to my account, and they paid it, but they charged me overdraft fees, not for the check, but for the two transactions I made the previous day that did not bounce the account, because those transactions were still pending, but when I made those transactions, I had plenty of money in the bank.

Now, another issue I have with them is this. I make purchases for oil, and it shows up on pending transactions. We use oil heat, and it's expensive. So I have $400 pending when I buy the oil. The next day, the pending transaction is gone, it hasn't posted to my account, it's just gone, and the money is back in the account like it never happened. 3-5 days later, the account actually goes through. That issue has never actually bounced my account, but what's the excuse for disappearing pending transactions?

I hope that sometime in the near future the banking regulations change specifically with this bank in mind. In the meantime, I will have to choose between Wachovia, Bank of America, Lakeland Bank, or Chase.

I just opened an account with TD. I deposited $250 cash via the ATM on 12/1. My receipt says $101 of that is available...ok fine. I then go out to get dinner and used my debit card. I got home and checked my account to see I was in the negative and the deposit I had just made didn't show up. I called and asked WHERE my deposit was and that I was in the negative when I shouldn't have been. Rep said he could see the deposit was made but there was nothing available to use due to the 'new account hold'. I asked well why is that not reflected on my receipt? He gave me some gibberish and I was telling him if I had used my debit card and been humiliated bc my card was rejected I would have closed the account and gone right back to Chase. Funny how fast that $100 became available. As of this AM 12/2 I now see the $250, of which $150 is pending. MESSED UP!

While I agree with Tired of stupid I just had the same problem with this bank and yes I am very diligent with my record keeping and I never overdraft. I went to a movie and purchased some refreshments then the next evening my mother bought the wrong food for my dog, he is allergic to corn and certain kinds of nuts. I called her and she said if I fixed the problem she would pay me back only after I explained the situation to her, when I got home she went back on our deal. I scrounged up the five dollars which I deposited the next day to cover the transaction. They kept my deposit pending until the next day intentionally (cash is cash and should appear immediately nothing needs to clear) so when the other pending transactions came through it would overdraft my account. The problem is 2 of the 3 purchases were from the same vendor and they should have posted them chronologically by date or by vendor they place the one that was from Sunday night first, then Monday night and last the final Sunday night purchase. It looks like this,
05/11/2010 DEBIT CARD VISA DDA PUR
CINEMAGIC QPS SACO *ME $.35 -$4.59
05/11/2010 POS DDA PURCHASE *0050
HANNAFORD 0389 WELLS *ME $7.35 -$4.24
05/11/2010 DEBIT CARD VISA DDA PUR
CINEMAGIC QPS SACO *ME $8.77 $3.11

Notice how I did not post any personal information by doing this.
There are two larger issues here, first what they are doing is unethical and I have seen many businesses be shut down for such practices, second unethical and all what they are doing is also illegal and could be classified as borderline extortion, see definition.

In the United States, extortion may also be committed as a federal crime across a computer system, phone, by mail or in using any instrument of "interstate commerce." Extortion requires that the individual sent the message "willingly" and "knowingly" as elements of the crime. The message only has to be sent (but does not have to reach the intended recipient) to commit the crime of extortion.
Basically they are willingly and knowingly doing this but will not admit the offense because if they do it would incriminate them for said crime. In my case the message was not only sent but received via the online banking.

Remember, almost all of the banks in this country are a member of FDIC who's job at the moment is to insure and protect 250, 000 dollars of a person's money and it is my understanding that any bank who has entered into an agreement with the FDIC has therefore agreed to protect peoples money. While some fees are fair and necessary there are limits and should not be allowed to con us hard working blue collar citizens out of their money.

It would be absolutely fantastic if someone out there would do the right thing and create a bank that was honest and fair. There are ways to make money without deceit.
I will leave you with a pair of quotes
Honor: It is better to fair with honor than to win be deceit;
Truth: Always do right, this will gratify some people and astonish the rest.

It's amazing that TD Banks policy is to post the largest amounts to your account first. The reason they do this is so when your deposit brings your account into the POSITIVE they can take out that large chunk of OVERDRAFT FEEs and put you back in the negative and then charge you for the six withdraws after that (which average 3-6 dollars). It's a total scam that lets them make money on a $2 cup of coffee. In 2 days I deposited $750 out of which they took $385 for overdraft fees... and they wonder why people can't make it today!

Why don't they charge a % of what they cover for you instead of a flat fee? Why because they'd make no money that way... The customer service rep I spoke with assured me that the BANK is not making any money with overdfaft fees.. HAHA What a laugher... I told her that I knew she worked at the bank so she had to be "PRO-BANK" I beleive that there is a special place that BANK big wigs will go to EVENTUALLY.

stopurbtchn is obviously a shill for TD bank. Look at her comments, they only apply to TD bank and they are always on TD banks side. TD bank is a crappy bank and only a person that works for TD bank would ever side with them.

u expect the bank to pay for dunkin donuts error? u should have realized they never took it out, its ur money after all

TD Bank ruined me totally. They stole over 150K in insurance money for a property that I owned that suffered a fire. I later as a result of this fraud and deceptive lies, , , lost my property, lost my business, and have spent nearly 100K in attorney Fees. TD Bank, lied to the Office of Comptroller of the Currency, and is now foreced to give answers. Watch for me on 20/20 soon

I have a business account, I have lost over $4000 in overdraft fees and yes doesnt matter how hard I try to avoid this fees they always hit the account. And to those slick that always jump saying ohhhhhhhhh if you dont have the funds dont used it, well...I do have the funds but they trick you in all the ways to hit you with the fees. The goverment doesnt do nothing, the law enforcement doesnt do nothing, the bank and our local politicians doesnt do nothing...My bank account is [protected], I hope that someday 1 judge makes them refund back all the overdraft fees that they have take from us like they ruled in California to Wells Fargo.

(see attachmnet)
I have a business account, I have lost over $4000 in overdraft fees and yes doesnt matter how hard I try to avoid this fees they always hit the account. And to those slick that always jump saying ohhhhhhhhh if you dont have the funds dont used it, well...I do have the funds but they trick you in all the ways to hit you with the fees. The goverment doesnt do nothing, the law enforcement doesnt do nothing, the bank and our local politicians doesnt do nothing...My bank account is [protected], I hope that someday 1 judge makes them refund back all the overdraft fees that they have take from us like they ruled in California to Wells Fargo.

On the morning of February 17th my debit card was fraudulently charged for over $600 dollars. That same morning we notified your bank and cancelled the debit card. My wife (the business owner) and I even went to a local branch to sign papers and speed up the process. To date your bank has done nothing. We have even given your bank a copy of one of the invoices charged to us and your bank failed to act. I finally had that charge for $192.89 reversed by talking to the company while your bank did nothing. I reported the incident to the FBI and your bank has done nothing. After talking to numerous employees and numerous managers and without action on their part, I can only conclude that your bank does not care for its customers and might even loathe them.

You see my circumstances are different as I explained over and over again to TD Bank's "do nothing help". And I use the word help very recklessly. I am a heart patient who cannot buy his heart medication because of the hold on the account. We have over $300 in checks that we cannot deposit because it will get swallowed up in overdrafts and negative balances. We cannot cash even one of them because of your business policies. All your "help" knows this and does nothing to free up the account even partially so I can get my medication. So tomorrow we will start the process of finding a new bank that actually has customer service and employs it in their day to day practice. We now know the questions to ask the prospective bank and have as a model what we do not want in a bank... YOU TD BANK.

Oh, the business my wife runs is a web development company.
It is amazing that while doing a domain name search that you had bought the name www.tdbanksucks.com back on October 15, 2017. Apparently you were aware of your capacity as a failure back then. We wish we had known.

Agree, have had a similar experience with employees.

I have tried every possible means to pay my bill with them, fred meyers jeweler uses them as their financier for their retail credit cards, i have spent over 3 hours on hold with these people to be disconnected or rerouted to the very beginning of the automated service. I have emailed them AND EVEN MAILED A CHECK to these [censored]heads to pay my credit card even though ive never received a bill (tried changing my address multiple times but could NEVER get to s rep and when i did theyd put me back on hold to get mysteriously redirected to the start or disconnected again) cant even use their online service cause i had no account number. Filed a BBB complaint. They are blatantly inhibiting my ability to pay of my loan and adding 75 bucks of late fees for every WEEK its late

Here in Canada I have closed all of my TD and TD related accounts.
This included insurance policies, pension deposits and credit cards.
They are extremely mercenary and predatory when it comes to fees.
You can sense it when you simply deal with any of their employees and agents.

I learned about this stupid practice of allowing your check card to still authorize charges back in December. You have to opt out so that your card gets declined. I opted out. Guess what? My card still won't declined. So I called today because of the $270 in overdraft fees that I have due to a $3.95 charge not posting to MY PENDING transactions until 5 DAYS LATER and she confirmed that I had opted out but that it's not guaranteed that the charge won't go through if it's a negative amount.
WTF!
I'll be at Beneficial tomorrow morning to open a new account.

Balance your checkbooks and this won't happen...I used to work there..I hated working there because customers were so idiotic...You should know how much money you have...Stop complaining

This is a perfect description of what I have noticed as well. I have no issue with items "pending" for a while...but when they finally post they should certainly post on the day they occurred. The bank has literally decided it can change the dates of multiple debit transactions so that they can wait for your account to overdraft and charge multiple fees. The closest word I can think to describe this situation is SCAM. It really is.

This bank should be shut down. Go to Ocean First or any other bank. My aunt wrote me a TD Bank check for $25, and TD wants a $7 check cashing fee, or $15 to open an account with them. The nasty manager suggested I take my business elsewhere almost immediately, instead of explaining the policy to me clearly.
Why do you people have accounts with TD? You are all fools for letting them stay in business. My aunt is considering switching, this isn't the first time she has been burned by TD. If you have a TD bank account, shame on you, you are feeding monsters. Look at all the other complaints - much scarier than mine! But still, two banks nearby charge $0 to cash a check from their bank.

As we Build the Better Bank our goal is to establish a common product set. These product changes will ensure that our Customers from Maine to Florida all have access to the same financial products. These changes did affect some fees and products. But our new product set offers more options, making it easier for Customers to find a product that fits their banking preferences. Our store representatives are happy to discuss options with you. Please contact your local store or our 24/7 call center at [protected]. Thank you!

First I made a deposit on Sat. suppose to go through on Monday the deposit actually went through Tuesday but showed that it was available Monday. Yet on Sat. and Sun. the Available and the “balance” were different. Yet on Monday I went to an ATM, and did some shopping looked at my balance Tuesday and it was fine, Wednesday there was a $210.00 fee on my account, an overdraft fee which my account statement NEVER showed negative. Without getting into all of the boring details of the back and forth conversation I am very disappointed after 10 YEARS of business they pretty much said too bad we don’t care. The withdrawals were made on Monday the deposit was made on Monday why the fees. This has changed as I have been with them 10years plus and never had the issues I have had in the past few months. To top it all off last month I emailed them about OD fees when my account was not negative and they just emailed me back saying we have reversed the charges, I was assuming they made a mistake and never thought twice about it….So the $210.00 fee they said they would not reverse cause I had the other two reversed. I proceeded to tell her that I thought the fees were a mistake they made that no one explained anything and I have the emails, they didn’t care at all. I continued to tell her that there are numerous times I have had an available balance different form my total balance and that there are times that I hit an ATM and try to grab $200.00 only to realize I only have $180.00 and it denies me but now all of the sudden you are telling me that I can overdraw from an ATM? Horrible to a long time customer like myself. After $210.00 four weeks before Christmas Three kids living check to check, they now say that I can cancel out of this program? Thanks a little late for that!

Opening a new account (NOT with TD BANK) unless you have millions maybe! What’s up with all the fees? I got so many fees from this bank from when I opened it to now I can’t take it anymore. I have a small business just making it month to month and the fees are just too much! The only time I have problems is when I write a checks let me explain. I deposit checks on Sunday but I don’t have the funds until Tuesday and that’s ok. What’s not ok is when I write a check out TD gets the check does not post it in pending transactions and then on Tuesday they take it out of my account and say they got it on Monday then give me a fee for it because I did not have funds in my account yet! Wait I’m not done anything I did on Monday like take $40 out of a TD atm get gas and go to walmart now puts my account off because of the check they say they got Monday! I now have $140 in fees one for the check one for taking cash out of my TD atm one for gas and one for using my debit card at walmart. It’s how their software works it’s designed to fee you any way it can so make sure you have lost of $$ to wast if you open a account with TD.

During Christmas season, I was a bit careless with my money and spent more than I had. I still managed to pay off the overdraft fees I received for this. January comes and goes, and I never went into the negative. I was somewhat responsible with my money. February 2nd, I get a $140.00 overdraft fee. I only had $129 in my account at the time, so obviously I'm in the negative. I wasn't aware of this overdraft, so I spent money on food, gas and clothes. A few more fees later, and I'm now at -$270.

I've included a picture of my history (The black bars are censors. Don't want to show where I live). I can't include my entire January history, but believe me when I say that I never went negative, so there should be no fees. Did I do something wrong, or did TD Bank screw up?

TD Bank allows large transactions to be paid under the guise of overdraft protection. This allows them to collect hundreds of dollars in fees of subsequent smaller transactions. This is in effect theft as there is no recourse to dispute these charges.

TD Bank took over Commerce Bank which had an excpetional approach to customer service, and to no surprise, won the JD Power and Associates Award for exceptional service. It is no surprise that this ranking has dropped for the past years that TD Bank has consistently destroyed Commerce Bank's customer service model. Sneaky fees, delayed availability of funds, and long wait times on the phone. I hope JD Power sends me a survey for these creeps so I can voice my dismay. I'm sure I'm not alone though, so whoever gets the surveys should SLAM these crooks. I paid $210 in fees, mostly on transactions valued between $1 and $5, due to a single overdraft mishap. These practices are foul. We don't expect this, coming from the excellent service provided by Commerce Bank. I am seriously considering switching banks and I hope others will do the same because that's the only way it will really have an impact.

i opened up a bank account with them in jan of this year and ever since they seem to make up new rules and fees.. now im a working mother i have had called them many times to question there methods and all they can say is oh well basically how right is this.. now on more then few ocassions they have robbed pay check because i wasnt well informed i had explained this to them and they say well we cant grant you a fee removal we already wave you one and im like are you serious ..they are nothing but bloody robbing pirates and they needed to be taken down.. i plan on closing my account this week because of there fees i never felt so robbed in my life...and cant believe they get away with this i even called my local newspaper on this .. i wrote them an email and stated when times got bad you guys had the great bail out from the american taxpayers...what about us poor people..

Since TD has taken over for Commerce they have been horrible. Apparently, and deposits made at an ATM take much longer to process then if you wait and go to a teller (not very convenient). Also, we had protection where our debit card would be denied if funds were not available on our business account (I took a lot of time to specifically set this up) but apparently $175 later in fees, it never existed. I will be switching.

After a visit to a branch and a phone call was informed that TD Bank now charges a 5.00 per check cashed fee for all checks cashed whether they be personal checks or payroll checks drawn on their bank if you are not a TD bank customer. I feel this is an unfair practice for them to charge people to cash checks drawn their bank.

Here's another pile of crap they are serving, my wife goes in there with a letter from an online payment service, stating that they made a draw on the account in error, instead of useing the funds from the online service, they took the payment from the TD bank account. She goes to the branch with the paper, and they tell her that the payment was already made, so they cannot reverse it. Since then, over $600 has been sacked from the account, however usually when I call the 800 number, they refund it, and here is the best one...

Because the balance went over $100 at any time during the month, they took a $15 service fee, which bounced me again, followed by a $35 overdraft, leaving my account with a -$49.35 balance... I have been told that the next deposits placed into this account will have all negative draws assuming a $35 fee...

They refused to refund the $15 but did refund the $35. so I am still getting hit for another fee or so on the next deposit...

Two things I suggest, don't bother going to the branch, because the so-called "Customer Service Representatives" are powerless, more likely worthless, second, use the 1800 number that used to be the Commerce line, if you ask them to remove the one OD fee that sent the account into abysmal compounding fees, once they correct the original, you usually get hundreds back when all of the other payments all of a sudden are found to then have been sufficiently funded...

Second thing, throw out the Debt card and go to another bank...

Yeah they hit me with the $15 fee for my checking going below $100. This is a monthly recurring fee & the first I've ever heard of it. The rep over phone (800 number) told me that my "trial period" ended because I've had the account for a year. This is BS because my girlfriend has had an account with them for a shorter period of time than me & got hit with the same fee.

Don't listen to Tired of Being Stupid she is going to IM you and try to become your friend then tell you she will fix it for you IF you give all your account info to her. She is a con by the name of Becky Purcell a partner with another con Harry Keane. Both will be going to jail soon so they probably will be trying to get as much quick cash as they can. So I owuldn't put it pass them to try to steal money using this scam.

Walter, I hope that your financial challenges improve. TD Bank is quick to process withdrawls & fees & in my case they were slow to accept an electronic deposit.While the other other bank had already withdrew the money a day before TD Bank kept it in pending status & then charged me $35.00 times 4 for $140. They don't seem to care about their customers. Switch to another bank like Citizens Bank when you can. (Free checking with no minimal balance) or a credit union. I vented in a positive way by raising consumer awareness at times when TD Bank was seeking good PR at charity events in on line newspapers or with the opening of a new branch. I kept it honest & was brief in what I said (one paragraph) With no swears. Here is one of my posts:

If you decide to choose TD Bank you may experience Excessive Fees as I have. I had a Simply Free Checking account that the bank switched to a Convenience Checking. I was notified by letter that there was an account change about to happen. In my busyness with work & school I did not take the time to read the letter. Page 6 mentioned an account balance minimum requirement change to $100. TD Bank began automatically charging me $15 per month (What was "Convenient" about that for me?). In my loyalty I stayed with them (my mistake). As money got tighter I began to have car problems. I transferred money from another account. It cleared the other account more than a day earlier & yet TD Bank had it listed as pending. They then charged me $140 (35 x 4). I do not want this to happen to you. My suggestion to you is do yourself a favor & choose Citizens Bank they will actually pay you to bank with them through numerous incentives & they have a Free checking account with no minimal balance requirement or choose a credit union.

This bank is highly unethical and their customer service is terrible. They smile and say "have a nice day" as they rip you off any way they can. Then -- if you go to customer service for help -- they give you the run around. The just ripped me off for $450 due to their bad service and inability to inform me properly about the terms of a transaction. In the end, they get my money and they are not apologetic... but "have a nice day!" as we steal your money. I have never experienced anything like this before -- they do steal! Horrible people. I am closing my accounts.

TDBank is robbery! We have struggled since April when they began to impose a 15.00 fee for not keeping enough money in our "simply free" checking acct. SInce then we have had to pay them large fees for bouncing their monthly fee! This bank needs to be closed down! When I make a purchase using my debit card on a Monday this bank will hold this purchase until three days later when it will bounce because I think I have enough money in my account. They also wait until I have large purchases go through so that the smaller ones bounce. Even when I made the smaller purchases several days before the large one. This is unethical and I say we get togther and sue this bank for our fees to be reimbursed! FED UP BUT NOT FULL BECAUSE THEY STOLE MY GROCERY MONEY

Citizens Bank is much better. No monthly service charge checking with no minimum requirement rather than $100 minimum like TD Bank. I am careful not to bounce checks yet I'd have one or two days with less than $100 & TD Bank would give me a $15 charge. I guess if they send you a letter in the mail talking about a change in your account & page 6 talks about a new fee they can charge whatever they want to you in fees. TD Bank also charged me $14o (35 x 4) for an electronic transfer that cleared the other account more than a day earlier. Choose a credit union or another bank like Citizens where you will not be taken advantage of.

One thing that we can do is send respectful but honest, brief, posts on-line like the one I just wrote when they open a new branch & there's an on-line announcement. People need to be informed about what TD Bank is really like.

On charity events like food drives this is what I have said for example.

" TD Bank took $155.00 of my families' money for food. They changed my Simply Free Checking to a Convenience Checking that automatically starting charging my family $15.00 per month for any day of having less than $100. Money started getting even tighter. I transferred money electronicaly & it cleared the other account. TD Bank had it listed as pending & I was then charged $140.00 ($35 x4 transactions) "

Let's raise awareness about this bank. Don't swear, be honest & respectful so that you will be taken seriously by your readers.

I am tired of being scammed for every dollar I make from this bank. They are unethical. I have started a blog at the below address. Leave a comment. Leave lots of comments. If I get enough interest, I will start writing to the powers that be in our state houses and Capitol Buildings. I am not well-versed in how this kind of thing works, but I have to believe that if enough people complain about their practices, someone will look into it

http://tdbank-tdbank.blogspot.com/

For those of you inquiring about a lawsuit and are interested in becoming a class member, there is a lawfirm working on putting a class action lawsuit together. The more complaints and proof the attorneys have, the better the chances are at winning a substantial amount. Substantial enough for TD Bank to improve their business practices. I just finished sending in my information to the Trief & Olk Law Firm.
There is also a website where the firm is retrieving complaints from Go to http://www.bank-overdraft.com/cases/td.htm

Here is what you should do:

1. Keep all receipts for your debit card transactions to support your actual date and time of transaction.

2. Print the daily transactions reports off of the website DAILY, EVERY SINGLE DAY (This REALLY shows how they are re-ordering transactions, if you could see mine you would shake your head! BIG TIME... I got these thieves GOOD).

3. Print the pending transactions as well.

4. When complaining to TD Bank, rather than calling them - email them through the website for documentation and proof.

Save all of this info and remit to Attorneys

Maggie,

I do not get a nsf fee at my new bank for using the line of credit. It works like a credit card except it has a better interest rate. It has literally only cost me pennies when I've needed to use it for a small amt & for a short period of time.

Hello Maggie,

I have no complaints now at my new bank. I have a free checking account, that bears interest with no minimum balance requirement. I even have a line of credit of $500 at .0725 interest in case I ever need it. It pays to shop around. I'll never open an account at TD Bank again.

Citizens Bank is much better. No monthly service charge checking with no minimum requirement rather than $100 minimum like TD Bank. Plus they have financial incentives for account activity. I am careful not to bounce checks yet I'd have one or two days with less than $100 & TD Bank would give me a $15 charge. I guess if they send you a letter in the mail talking about a change in your account & page 6 talks about a new fee they can charge you $15 a month in fees? TD Bank also charged me $14o (35 x 4) for an electronic transfer that cleared the other account more than a day earlier. Choose a credit union or another bank like Citizens where you will not be taken advantage of.

One thing that we can do is send respectful but honest, brief, posts on-line like the one I just wrote when they open a new branch & there's an on-line announcement. People need to be informed about what TD Bank is really like.

On charity events like food drives this is what I have said for example.

" TD Bank took $155.00 of my families' money for food. They changed my Simply Free Checking to a Convenience Checking that automatically starting charging my family $15.00 per month for any day of having less than $100. Money started getting even tighter. I transferred money electronicaly & it cleared the other account. TD Bank had it listed as pending & I was then charged $140.00 ($35 x4 transactions) "

Let's raise awareness about this bank. Don't swear, be honest & respectful so that you will be taken seriously by your readers.

I know people are saying that it is this person's fault, but believe me, I completely understand with the complaint. There are multiple problems here. Once you get an Overdraft Fee deducted then it all snow balls from there and you can never catch up. When Commerce officially transitioned to TD Bank's way of doing business is when all of this terrible stuff started happening. This has been non-stop with my fiance. He has an incredible amount of child support to pay every week and cannot afford to have his banking account messed up all of the time. He did not sign up for this service, TD Bank took it upon themselves to automatically enlist the Commerce customers into this program. I think it is a VERY low and sneaky way of doing business. Starting as a Commerce customer for many years and now dealing with TD Bank - I have never dealt with a bank so terrible. I feel like they are a scam to their customers and very far from America's most convenient bank.

Their system is terribly slow in updating your account - so you would think that everything is ok with your account, but it's not because it takes a while for transactions to post. Meanwhile, you have 6 NSF charges and your next weeks paycheck doesn't bring you into the positive and you can't eat, pay bills, etc when this is on going. The longer it takes TD Bank to help you, the longer it takes to correct yourself and you live without money. AND, to top it all off... the NSF fees come out at very random and sporadic times. So I could make 5 purchases for $3 and 5 days later get $175, SO you think you think everything is OK and then they hit you and it MESSES EVERYTHING UP OK.

I work for chase bank. The first rule in life is you have to understand how the bank works or you will end up working for the bank and not the other way around. The banks can not always see what is not there. I admit it is not fair but pay more attention to what you know you have. The total fees could not be 560 That is against the law. They are only able to charge a max of 35 for each items and 6 items a day. So that only 210. So enough with the exaggeration. If you have 200 dollars on friday opening business day and you bought a few items say : 75 dollar coat, 50 dollar belt and 75 dollar TV that is all of your $200 but what if the TV did not post? So you wake up saturday check your balance and its telling you you have $75 left. You are so stupid you go buy 7 $10 items and one $5 which comes out to $75 and all of those post. So you think you did a good job and you didnt overdraft. Monday roles around now you have a MAX of 6 OD fees which is 210 dollars... But you are wondering what if he bought the 7 $10 dollars items and the one $5 dollar items friday and bought the tv saturday wouldnt he have just one OD fee? We all could live with that right? WRONG The bank pays highest to lowest for that reason. We say its because say if you had your mortage come out but you bought some shoes we didnt want to return your mortage and pay for your shoes... but we all know its a bunch of crap. So it would come in like this :$ 75 coat, $75 TV, $50 belt, $10NSF $10NSF $10NSF and ECT... So take it as a hard lessen learned and keep it wrote down or dont use the debit card at all. PERIOD.

They have taken $2017 + from me by charging overdraft fees on FUNDS ALREADY DEDUCTED from my account ! They wait until the last minute (they say it happens at shift changes which are at THEIR CONVENIENCE) before posting a deposit, then they REARRANGE the pending transactions already deducted from my account and charge them off to me as overdrafts, one by one, at $35.00 each - THEN as if that's not enough, they charge me another $35.00 for being overdrawn. What the Heck ? ! I had direct deposit so I couldn't stop them and I had no money for 2 weeks. This has happened to me for the very last time. SIGN ME UP FOR ANY AND ALL CLASS ACTION LAWSUITS... Contact me at NHPARALEGAL @YAHOO.COM. What's worse, is that even the people that work there have said to me it's horrible and they're ashamed they have to work there but have no choice because of the economy ... NOW THAT IS TRULY SAD ... I printed (THANK GOD) every one of these pending transaction issues and then compared them and printed my statement - TOTALLY DIFFERENT. They say these are posted in the order received. NOT TRUE - I HAVE PROOF...

My name is Frabrizzo Agnello and i have recently been involved with bank fraud via and ATM machine. I have been victimized twice in the past 30 days first on May 7th 2017 in the amount of $141.75 and the second time was May 29th 2017 in the amount of $121.50. I never used those ATM machines nor ever made those withdrawls. I have filed a police report and have talked to the managers at TD BANK. They are refusing to return my funds claiming that they have no proof it was someone doing this to me being there are no cameras on the ATM machines that were used. I am 72 years old and i am now unable to get my medication or any other necessary items that i need. I have done everything i can do up till this point and i really need help on what i can do further. I would appreciate any help that can be given to me. My phone number is [protected] you can call anytime for i am always home and we can discuss this in further detail...THANK YOU

stopurbtchn is obviously a shill for TD bank. Look at her comments, they only apply to TD bank and they are always on TD banks side. TD bank is a crappy bank and only a person that works for TD bank would ever side with them.

Let me tell you something you friggen TD BANK EMPLOYEE ... STOP HOLDING MY DIRECT DEPOSITS FOR DAYS AFTER YOU HAVE IT THEN I WON'T OVERDRAW MY ACCOUNT you THIEF

I have a business account, I have lost over $4000 in overdraft fees and yes doesnt matter how hard I try to avoid this fees they always hit the account. And to those slick that always jump saying ohhhhhhhhh if you dont have the funds dont used it, well...I do have the funds but they trick you in all the ways to hit you with the fees. The goverment doesnt do nothing, the law enforcement doesnt do nothing, the bank and our local politicians doesnt do nothing...My bank account is [protected], I hope that someday 1 judge makes them refund back all the overdraft fees that they have take from us like they ruled in California to Wells Fargo.

tdbank actually didn't need a bailout... sooo.. ya

They are the worst bank in this country with fees and new rules when ever it suits them.
Shady shady shady . They steal their customers money when you make a deposit it should be there . When you use your debit it should be there. Everyone should switch banks to credit unions or local banks that are not not commercal run banks. Smaller banks have less fees . When you made a deposit it should show in pending just like the debits do. They do what suits them only. People are not stealing the banks money they are holding your money as long as they can get away with it to collect as much interst
as they possible can on that deposit before you even get your own monies. When you use your debit card that money is not out of your account yet its pending.

Tired of Stupid is a fool. With today's technology the bank should be able to deny any transactions if there isn't enough in your account. Just flag it as "insufficient funds" and have the transaction denied. Commerce Bank was able to do this without fail more than 10 years ago.
It's clear that TD just doesn't want to make this option available so that they can quadruple their fees.

But it's wrong to push customers used to the old convenient Commerce Bank way of life (no need to balance account, transactions denied if no funds, up-to-the minute online banking to get accurate balances, and absolutely no fees) into a new environment where they're forced into Overdraft Protection schemes and transactions take a week to post. That's just wrong and shady.

At the same time, they proudly show off the JD Power awards that Commerce won for them, yet proceed to do the opposite of what Commerce did to gain those awards.

If a debit card is supposed to be used like a credit card, then like a credit card the user should be notified when they have reached the limit! TD Bank is taking advantage of customers who grew to trust Commerce Bank and they're profiting big time. My daughter, with a STUDENT ACCOUNT has just learned the hard way by losing $510 to them! This is money from her part-time paycheck!
Vernon Hill, who was responsible for building Commerce Bank is now involved in starting a new bank called Metro Bank. It is being formed from the merger of Pennsylvania Commerce Bancorp and Republic First Bank. I'm closing out our TD Bank accounts and going to Republic First. They don't have as many branches right now, but I'm sure they soon will.