Anybody have a problem with TDBank? - GoFuckYourself.com

mmcfadden · 12-04-2009, 06:26 PM

I just had $175 dollars in $35 fees stolen in one of my accounts. Some withdraws and various other things over the past 4 days and then had one check clear.

They charged me $35 5 times for transactions that occurred prior. A check cleared and went over by less then $5 and they stuck the check to the top and just stole $175 from my account.

TD Bank, TDBANK, TD bank rip off

Anybody have an experience like this?

Agent 488 · 12-04-2009, 06:37 PM

i bank with them and just had 5 $35 deposits in my account and i have no idea where they came from.

not going to complain though. td rocks!

JFK · 12-04-2009, 06:53 PM

they sound like NSF fees, ??? We bank with them , dont have a problem

BlackCrayon · 12-04-2009, 06:58 PM

why not call them instead of posting this?

mmcfadden · 12-04-2009, 07:04 PM

Quote:

Originally Posted by BlackCrayon

why not call them instead of posting this?

because I know there formula's. this is not new, isolated, or just my concern. It is a big fuckin deal... and

TD bank, Td bank ripoff, banking with TDbank...

They are stealing money. It is a huge deal... that is why I am posting it.

I'm not just talking about fee's that bounced on a particular day and get charged the $35. I am talking they will actually move a charge that cleared the day prior to the next day if it will optimize their $35 dollar bounce fees.

This is what is going on...

Agent 488 · 12-04-2009, 07:06 PM

you bounced a check. man up and quit whining.

Juicy D. Links · 12-04-2009, 07:09 PM

nope all fine here....

mmcfadden · 12-04-2009, 08:04 PM

Quote:

Originally Posted by Agent 488

you bounced a check. man up and quit whining.

you out of all people should really pay very close attention... as it will directly affect your amount of money if you are in TD Bank...

kaori · 12-04-2009, 08:20 PM

yup - TD sucks... way overpriced compared to BMO, Royal

ronin · 12-04-2009, 08:25 PM

Quote:

Originally Posted by JFK

they sound like NSF fees, ??? We bank with them , dont have a problem

what he said...look into overdraft protection

shimmy2 · 12-04-2009, 08:53 PM

td bank in the US is different than td canada trust in canada, most banks have that 35 dollar shit, just use cash

Spunky · 12-04-2009, 09:00 PM

I left them for Canada Trust years back,I was pissed when they merged with TD,but all major banks suck ass

SleazyDream · 12-04-2009, 09:02 PM

they forgot to tell you they charge you for NSF checks and withdrawls

minniesoporno · 12-04-2009, 09:07 PM

TDbank usa or Tdbank canada. they are considered one of the top banks to use.

mmcfadden · 12-04-2009, 09:09 PM

Quote:

Originally Posted by SleazyDream

they forgot to tell you they charge you for NSF checks and withdrawls

I also deposited a canadian check a couple weeks ago...

the exchange rate was 1.0502.... I got charged 1.102... why is that? should I pay my bank 5 percent to deposit a check in my account?

Tippy · 12-04-2009, 09:35 PM

Hope this makes you feel better, I stiffed TD Bank Visa for 8k when I filed for bankruptcy a few years back

LiveDose · 12-04-2009, 09:39 PM

All banks are super aggressive with fees these days. I keep a very comfortable cushion in all of my accounts so I don't have to worry about how my banks decide to clear checks or count deposits.

mmcfadden · 12-04-2009, 09:44 PM

yeah... they are stealing.

it's such a huge issue beyond any issue about processors taking 15%... TDBANK is capitalizing on your money.

TD Bank stole my money, TD Bank rip off, TD BANK sucks

mmcfadden · 12-04-2009, 09:46 PM

TDBank ripoff
TDBANK fees suck
TDBANK just stole my money
TD Bank is a scam

quiet · 12-04-2009, 09:58 PM

damn, i'm having a great time using td, after leaving the retards at bmo. i have a personal contact that i can reach by phone any time, who lives here in Whis, so far it's been a great experience, very happy.

directfiesta · 12-04-2009, 11:51 PM

TDbank ( usa ) changes name and terms more often then the cleanest woman changes panties.

They are thieves, but opening a US account today for a non resident is difficult .. so I keep them like I kept a bad wife ...

I was using their debit card on some domains from gadaddy . I forgot that the domains were set to auro renew ... Godaddy processed the chjarge of 135.00 ( remember : debit card ) . There was 130.00 in the account ... They passed the charge ( they should hsave declined the charge ).

Then they chargged a 35.00 NSF charge
Then, every 5 days that you are overdraft ( lol.. a debit card .. ) they charge 35.00 fees .
Since it is not an account I use often, I do not check it ( like epassorte, I do not know how much I have the - roughly 100$ ).
Tdbank fees for that 5.00 so called overdraft totaled 240.00 ... good ROI for them.

2 months ago, they started chargging 15.00 monthly fees ( that is an account I do no checks, nor di I use much ) . I deposited 800.00 , just to prevent that 15$ monthly fees bring me overdraft, starting the penalties fees of 35$ every 5 days .

When they were TD Waterhouse or TD bank USA they were OK, but today they are thieves with a license .

Jdoughs · 12-05-2009, 02:57 PM

Quote:

Originally Posted by quiet

damn, i'm having a great time using td, after leaving the retards at bmo. i have a personal contact that i can reach by phone any time, who lives here in Whis, so far it's been a great experience, very happy.

He isn't talking about Toronto Dominion, but some lesser US bank.

fatfoo · 12-05-2009, 03:49 PM

I don't have a problem with TD Bank. I have a savings account there right now, and no problems. My Bank of Montreal, and Royal Bank accounts are fine too - no problems. Paypal - no problems. Epassporte - no problems. Cash on hand accounts - no problems.

Abbie · 12-05-2009, 05:38 PM

Hahahaha oh man can I share some TD horror stories.

ravo · 12-05-2009, 06:14 PM

Quote:

Originally Posted by quiet

damn, i'm having a great time using td, after leaving the retards at bmo. i have a personal contact that i can reach by phone any time, who lives here in Whis, so far it's been a great experience, very happy.

I gotta agree; TDBank is solid for us; always on the ball, even with our occassional funky requests.

pamon · 12-05-2009, 07:16 PM

remember banks use a interbank exchange rate when it comes to that. and you are responsible if the variance causes the check to bounce. btw

mmcfadden · 12-05-2009, 07:17 PM

Quote:

Originally Posted by directfiesta

TDbank ( usa ) changes name and terms more often then the cleanest woman changes panties.

They are thieves, but opening a US account today for a non resident is difficult .. so I keep them like I kept a bad wife ...

I was using their debit card on some domains from gadaddy . I forgot that the domains were set to auro renew ... Godaddy processed the chjarge of 135.00 ( remember : debit card ) . There was 130.00 in the account ... They passed the charge ( they should hsave declined the charge ).

Then they chargged a 35.00 NSF charge
Then, every 5 days that you are overdraft ( lol.. a debit card .. ) they charge 35.00 fees .
Since it is not an account I use often, I do not check it ( like epassorte, I do not know how much I have the - roughly 100$ ).
Tdbank fees for that 5.00 so called overdraft totaled 240.00 ... good ROI for them.

2 months ago, they started chargging 15.00 monthly fees ( that is an account I do no checks, nor di I use much ) . I deposited 800.00 , just to prevent that 15$ monthly fees bring me overdraft, starting the penalties fees of 35$ every 5 days .

When they were TD Waterhouse or TD bank USA they were OK, but today they are thieves with a license .

Yes it is TD Bank in the US.

They move charges, in my case actually moved charges from the 24th and showed as cleared on the 27th and got an additional $70 by doing so.

I thought First Union was bad but TD Bank actually alters your numbers in their favor to maximize their $35 fees. Meaning they bump the numbers (maximum up top) and in my case moved charges that normally would have cleared on the 25th (1 day after purchase) to the 27th.

Also, I deposited 2 checks into another account I have with them and cleared on the same day checks were cashed. The deposited numbers were the biggest numbers, HOWEVER, in this case they did not give credit to those deposits and this account was charged $70 (a 2.99 godaddy fee for something and a $17 convenience store) The lowest transactions for the day.

See what I'm saying?? They say they move the highest transactions to the top FOR YOUR CONVENIENCE yet when the highest transactions are deposits they ignore them and will charge and ass rape you $35 again, and again, and again!!

seandefreitas · 12-05-2009, 11:48 PM

Quote:

Originally Posted by mmcfadden

I just had $175 dollars in $35 fees stolen in one of my accounts. Some withdraws and various other things over the past 4 days and then had one check clear.

They charged me $35 5 times for transactions that occurred prior. A check cleared and went over by less then $5 and they stuck the check to the top and just stole $175 from my account.

TD Bank, TDBANK, TD bank rip off

Anybody have an experience like this?

TD Bank fucked us for about 10K b/c they sent our wires to incorrect beneficiaries and fwded the wires out w/out a sig on them. Which is 110% illegal. FUCK TD BANK IN THEIR ASS.

I got a letter of apology to our company and one for each of the people the fucked up wires to. However, I did not get my money back... Yet.

Angry Jew Cat - Banned for Life · 12-06-2009, 12:43 AM

Quote:

Originally Posted by Spunky

I left them for Canada Trust years back,I was pissed when they merged with TD,but all major banks suck ass

You think the major banks suck? Try dealing with a credit union...

Mutt · 12-06-2009, 06:50 AM

Quote:

Originally Posted by Angry Jew Cat

You think the major banks suck? Try dealing with a credit union...

i've always heard credit unions are much better when it comes to nickel and diming customers with fees.

canadian banks are a cartel of thieves with every politician in their hip pocket. just look at the spread on currency exchange - that shouldn't even be legal. 'hey here's 100 US dollars please buy it from me' 'ok sir here's 104 Canadian dollars' 'thanks' guy right behind you 'i'm going shopping across the border please sell me the 100 US dollars that guy just sold you' 'alrighty that will be 109 dollars' - usurious is the word.

DateDoc · 12-06-2009, 07:10 AM

The law is about to change on this. While a bad check may still go thru you will soon be able to tell you bank to decline debit card transactions that will overdraw your acct.

CynBabes · 12-06-2009, 07:11 AM

A few years ago TD did the same thing to me, I $400 in cash on a Friday morning, then went mall wandering, bought coffees/sodas/etc. Ended up with like a $20 charge and a bunch of $2 charges.

I had like $15 in my account, and they never deposited my cash, they charged the $20 first, then all the small charges, and I ended up with like $500+ in overdraft fees for about $36 in charges.

After a few hours on the phone arguing with them about how my cash should have been immediately available, they decided to reverse all my fees as a "one time customer service" thing.

I also had another problem a few months ago, where my hosting bill was going to go through on the 25th, I was going to deposit money on the 24th, but they decided to "test" the charge on the 23rd to see if I would have funds available on the 25th, which resulted in 2 overdraft fees for $35 each.

Now I just make ure I have more than enough cash in the bank at all times, even if I have to make my car payment a few days late or something, but it feels like they are holding the money hostage since I don't ever dare to use it =)

JFK · 12-06-2009, 07:23 AM

Quote:

Originally Posted by fatfoo

I don't have a problem with TD Bank. I have a savings account there right now, and no problems. My Bank of Montreal, and Royal Bank accounts are fine too - no problems. Paypal - no problems. Epassporte - no problems. Cash on hand accounts - no problems.

No Problem

drriley · 12-06-2009, 11:02 AM

Does anyone recall the Toronto Dominion Green Machine commercials from back in the .... late 70's or early 80's. I still have the tune in my head ... <singing> Toronto Dominion .. Beep Beep.

The bit of research that I have done on adult entertainment business banking in Canada seems to have flagged CIBC as an industry favourite. Does anyone here use CIBC for business banking?

I tried RBC about two years ago -- Opened an account with no problem, and then went in a few days later to make a deposit and the teller looked confused and asked if I would have a seat while she got the manager who then proceeded to tell me that my account had been closed by their security department because of "money laundering concerns". I was rather annoyed and demanded an explanation of just what "money laundering concerns" was she referring to. She was extremely evasive and uncomfortable, and then finally said quietly, "We don't deal with your type of business." Needless to say, I demanded that she tell me, out loud, just what "type" of business she was referring to, but she just walked away.

Whether this was a one off, and/or a mistake on the part of the bank, I have no idea. Others with the same "type" of business as mine seem to have no problem with RBC. I, on the other hand, will never patronize them again for business or personal banking.

12-04-2009, 06:26 PM	#1
mmcfadden So Fucking Banned Join Date: Oct 2008 Location: philly Posts: 5,099	Anybody have a problem with TDBank? I just had $175 dollars in $35 fees stolen in one of my accounts. Some withdraws and various other things over the past 4 days and then had one check clear. They charged me $35 5 times for transactions that occurred prior. A check cleared and went over by less then $5 and they stuck the check to the top and just stole $175 from my account. TD Bank, TDBANK, TD bank rip off Anybody have an experience like this? Last edited by mmcfadden; 12-04-2009 at 06:27 PM..

12-04-2009, 06:53 PM	#3
JFK FUBAR the ORIGINATOR Industry Role: Join Date: Jan 2002 Location: FUBARLAND Posts: 67,374	they sound like NSF fees, ??? We bank with them , dont have a problem __________________ FUBAR Webmasters - The FUBAR Times - FUBAR Webmasters Mobile - FUBARTV.XXX For promo opps contact jfk at fubarwebmasters dot com

12-04-2009, 06:58 PM	#4
BlackCrayon Too lazy to set a custom title Join Date: Jun 2003 Location: Ottawa Posts: 19,631	why not call them instead of posting this? __________________ you don't know you're wearing a leash if you sit by the peg all day..

12-04-2009, 08:53 PM	#11
shimmy2 Confirmed User Industry Role: Join Date: Mar 2009 Location: Dominican Republic Posts: 3,250	td bank in the US is different than td canada trust in canada, most banks have that 35 dollar shit, just use cash __________________ Make $$$ with Toticos.com! \| Email: 1bluemiata@gmail \| Joutube: ShimmyCash \| Faceberg: ShimmyCash

12-04-2009, 09:00 PM	#12
Spunky I need a beer Industry Role: Join Date: Jun 2002 Location: ♠ Toiletville ♠ Posts: 133,934	I left them for Canada Trust years back,I was pissed when they merged with TD,but all major banks suck ass __________________ *YOUR INFORMATION HERE*

12-04-2009, 06:37 PM	#2
Agent 488 Registered User Industry Role: Join Date: Feb 2006 Posts: 22,511	i bank with them and just had 5 $35 deposits in my account and i have no idea where they came from. not going to complain though. td rocks!

12-04-2009, 07:06 PM	#6
Agent 488 Registered User Industry Role: Join Date: Feb 2006 Posts: 22,511	you bounced a check. man up and quit whining.

12-04-2009, 07:09 PM	#7
Juicy D. Links So Fucking Banned Industry Role: Join Date: Apr 2001 Location: N.Y. -Long Island -- Posts: 122,992	nope all fine here....

12-04-2009, 08:20 PM	#9
kaori Confirmed User Join Date: Apr 2005 Location: Montreal Posts: 1,569	yup - TD sucks... way overpriced compared to BMO, Royal

12-04-2009, 09:02 PM	#13
SleazyDream I'm here for SPORT Industry Role: Join Date: Jul 2001 Location: Phone # (401) 285-0696 Posts: 41,470	they forgot to tell you they charge you for NSF checks and withdrawls __________________ This dog, is dog, a dog, good dog, way dog, to dog, keep dog, an dog, idiot dog, busy dog, for dog, 20 dog, seconds dog! Now read without the word dog.

12-04-2009, 09:07 PM	#14
minniesoporno Confirmed User Industry Role: Join Date: Nov 2004 Location: Toronto Canada Posts: 1,150	TDbank usa or Tdbank canada. they are considered one of the top banks to use.

12-04-2009, 09:35 PM	#16
Tippy Confirmed User Industry Role: Join Date: Oct 2003 Posts: 1,772	Hope this makes you feel better, I stiffed TD Bank Visa for 8k when I filed for bankruptcy a few years back __________________ VPS 1 - 1.5 GB RAM, 10 GB SSD - 11.88 euro/year VPS 2 - 4 GB RAM, 40 GB SSD - 60 euro/year Alexhost.com - your access to the best hosting services VPS.

12-04-2009, 09:39 PM	#17
LiveDose Show Yer Tits! Industry Role: Join Date: Feb 2002 Location: Somewhere Out there... Posts: 25,792	All banks are super aggressive with fees these days. I keep a very comfortable cushion in all of my accounts so I don't have to worry about how my banks decide to clear checks or count deposits. __________________ Scammer Alert: acer19 acer [email protected] [email protected] Money stolen using PayPal

12-04-2009, 09:44 PM	#18
mmcfadden So Fucking Banned Join Date: Oct 2008 Location: philly Posts: 5,099	yeah... they are stealing. it's such a huge issue beyond any issue about processors taking 15%... TDBANK is capitalizing on your money. TD Bank stole my money, TD Bank rip off, TD BANK sucks

12-04-2009, 09:46 PM	#19
mmcfadden So Fucking Banned Join Date: Oct 2008 Location: philly Posts: 5,099	TDBank ripoff TDBANK fees suck TDBANK just stole my money TD Bank is a scam

12-04-2009, 09:58 PM	#20
quiet we'll miss you our friend. RIP Industry Role: Join Date: Sep 2001 Location: Fernie, BC Posts: 25,115	damn, i'm having a great time using td, after leaving the retards at bmo. i have a personal contact that i can reach by phone any time, who lives here in Whis, so far it's been a great experience, very happy.

12-04-2009, 11:51 PM	#21
directfiesta Too lazy to set a custom title Industry Role: Join Date: Oct 2002 Location: Punta Cana, DR Posts: 29,591	TDbank ( usa ) changes name and terms more often then the cleanest woman changes panties. They are thieves, but opening a US account today for a non resident is difficult .. so I keep them like I kept a bad wife ... I was using their debit card on some domains from gadaddy . I forgot that the domains were set to auro renew ... Godaddy processed the chjarge of 135.00 ( remember : debit card ) . There was 130.00 in the account ... They passed the charge ( they should hsave declined the charge ). Then they chargged a 35.00 NSF charge Then, every 5 days that you are overdraft ( lol.. a debit card .. ) they charge 35.00 fees . Since it is not an account I use often, I do not check it ( like epassorte, I do not know how much I have the - roughly 100$ ). Tdbank fees for that 5.00 so called overdraft totaled 240.00 ... good ROI for them. 2 months ago, they started chargging 15.00 monthly fees ( that is an account I do no checks, nor di I use much ) . I deposited 800.00 , just to prevent that 15$ monthly fees bring me overdraft, starting the penalties fees of 35$ every 5 days . When they were TD Waterhouse or TD bank USA they were OK, but today they are thieves with a license . __________________ I know that Asspimple is stoopid ... As he says, it is a FACT ! But I can't figure out how he can breathe or type , at the same time ....

12-05-2009, 03:49 PM	#23
fatfoo ICQ:649699063 Industry Role: Join Date: Mar 2003 Posts: 27,763	I don't have a problem with TD Bank. I have a savings account there right now, and no problems. My Bank of Montreal, and Royal Bank accounts are fine too - no problems. Paypal - no problems. Epassporte - no problems. Cash on hand accounts - no problems. __________________ Send me an email: [email protected]

12-05-2009, 05:38 PM	#24
Abbie Confirmed User Industry Role: Join Date: Aug 2005 Posts: 1,004	Hahahaha oh man can I share some TD horror stories.

12-05-2009, 07:16 PM	#26
pamon Confirmed User Industry Role: Join Date: Dec 2007 Posts: 3,108	remember banks use a interbank exchange rate when it comes to that. and you are responsible if the variance causes the check to bounce. btw __________________ Email: [email protected] Skype: davidamodt. / TG: Davidamodt US Adult Content & Porn Writer Project/Sites/Tubes/Reviews & More

12-06-2009, 07:10 AM	#31
DateDoc Outside looking in. Industry Role: Join Date: Feb 2005 Location: To Hell You Ride Posts: 14,243	The law is about to change on this. While a bad check may still go thru you will soon be able to tell you bank to decline debit card transactions that will overdraw your acct. __________________

12-06-2009, 07:11 AM	#32
CynBabes Registered User Join Date: May 2007 Posts: 71	A few years ago TD did the same thing to me, I $400 in cash on a Friday morning, then went mall wandering, bought coffees/sodas/etc. Ended up with like a $20 charge and a bunch of $2 charges. I had like $15 in my account, and they never deposited my cash, they charged the $20 first, then all the small charges, and I ended up with like $500+ in overdraft fees for about $36 in charges. After a few hours on the phone arguing with them about how my cash should have been immediately available, they decided to reverse all my fees as a "one time customer service" thing. I also had another problem a few months ago, where my hosting bill was going to go through on the 25th, I was going to deposit money on the 24th, but they decided to "test" the charge on the 23rd to see if I would have funds available on the 25th, which resulted in 2 overdraft fees for $35 each. Now I just make ure I have more than enough cash in the bank at all times, even if I have to make my car payment a few days late or something, but it feels like they are holding the money hostage since I don't ever dare to use it =) __________________ Dedicated - VPS - Shared Get Hosting \| Smart Niche Movies An Easy Sell Namecheap

12-06-2009, 11:02 AM	#34
drriley Confirmed User Join Date: Mar 2007 Posts: 263	Does anyone recall the Toronto Dominion Green Machine commercials from back in the .... late 70's or early 80's. I still have the tune in my head ... <singing> Toronto Dominion .. Beep Beep. The bit of research that I have done on adult entertainment business banking in Canada seems to have flagged CIBC as an industry favourite. Does anyone here use CIBC for business banking? I tried RBC about two years ago -- Opened an account with no problem, and then went in a few days later to make a deposit and the teller looked confused and asked if I would have a seat while she got the manager who then proceeded to tell me that my account had been closed by their security department because of "money laundering concerns". I was rather annoyed and demanded an explanation of just what "money laundering concerns" was she referring to. She was extremely evasive and uncomfortable, and then finally said quietly, "We don't deal with your type of business." Needless to say, I demanded that she tell me, out loud, just what "type" of business she was referring to, but she just walked away. Whether this was a one off, and/or a mistake on the part of the bank, I have no idea. Others with the same "type" of business as mine seem to have no problem with RBC. I, on the other hand, will never patronize them again for business or personal banking.