# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a8f916c86504edb82972fe35d1d6514
encoding: FLOAT32
metadata:
{"chroma:document": "Huntington offered a decent APR the loan for my new car. That is probably the only service I have received that is worthy of mention. The staff is very polite and appears to be helpful but the lack in technical support can really make for a cumbersome experience when conducting online banking. I have tried adamantly over two days to register for online banking. Their software is sub par and their tech support for online bank is poor to say the least. Generally I am a very patient person, but this is a topic Huntington should address immediately. Your online banking enrollment process is flawed and needs to be redeveloped. I have received 7 phone text message verification, 5 different calls from Huntington to provide verification codes and nothing has helped. I receive an error when I try to log in to my online banking. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8d0257180e0c4c4cb9c5f11ddea46bb1
encoding: FLOAT32
metadata:
{"chroma:document": "For the first 3 years I had 24-Hour Grace with Overdraft Protection. For the 4th year, this past year, suddenly I do not qualify. There was nothing disclosed to me in writing about a change. I did not change any of my \"opt in\" settings. I did not \"opt out\" of anything. I suddenly no longer receive alerts letting me know my account is overdrawn. If I don't know it's overdrawn, then I do not receive 24-hour grace. I am 100% positive this is NOT because I blocked the Text Message on my phone. I do not use that feature. As a very low paid Special Education TEACHER & parent of a Special NEEDS child, I felt like finally there was a bank that understood my financial struggles. I formerly saw Huntington Bank as a bank that cared. No fee checking is a joke. It's cost me $225 since April of last year."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc7ab0cf3bf6484c812407040f95e3a3
encoding: FLOAT32
metadata:
{"chroma:document": "Don't bank at Huntington!!! I had a savings account with them, they suddenly closed it, have been arguing for about a month of where my money went in from that account. The branch told me I was lying and I couldn't even put money in that account. Kept having to repeat myself that the statement shows where the money was put in the account but nothing shows where it was put back into my account. Nobody has been helpful or been in contact with me. They stole my money. DON'T BANK WITH THEM."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d870ee00501541f9afbe1c00b9a9a146
encoding: FLOAT32
metadata:
{"chroma:document": "I obtained an SBA loan through Huntington Bank. DO NOT DO THIS. If you think FDIC or SBA gives you some consumer protection, you will be wrong. HNB lost my documents, then filed a lawsuit against me claiming default. No payments were missed. I have been in litigation with this bank for almost 2 years. Fun facts: a bank can sue you for any reason, you are required by law to purchase an expensive attorney, and there are little to no bank regulations. This bank is putting my small business out of business and they do not care a bit. They caused the problem, but they have no liability and no accountability. RUN from this bank. Go to a local credit union instead."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc91e5cd429641fb957f580841a514c6
encoding: FLOAT32
metadata:
{"chroma:document": "I have a current loan with Huntington and will be hesitant to use them again in the future because of the teleprompt option to pay loans. It's long and drawn out, repeats information more than once, does not allow me to switch to touch tone only, and still requires me to enter a check number (which is rare these days). Once you've experience a bank that does this efficiently, making it very easy to quickly pay by phone or online, it feels like you've stepped into the past when using a service that is not as efficient."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f5d2ea0f0664f53ba0eef60f4b2d9b5
encoding: FLOAT32
metadata:
{"chroma:document": "I was offered $150,00 to open an account and I asked the manager, \"Would I have to do a 1099?\" and she explained, \"No, we are giving this to you as a gift for opening an account with a certain amount over $1000,oo,\" so at the beginning of the year I get a 1099, also I asked for a savings account, I find out a checking account was open instead, so now I have two accounts and money being transferred from my savings account to a checking account that I never asked for. This is horrible business, and the bank use our money to offer loans to other people and draw interest."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16f249077acb4ba4935480c2c2567e9b
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible customer service, I opened my account on April 2 with a $3000 check, I split check between checking and savings account on April 2, the check would be available on the 5th according to the teller. My check became available on the 12th, asked my accountant at my office, she printed me a copy of my check that had cleared her bank on April 2. Called Huntington, spoke with some very rude, uninformed customer service people who explained that it was a federal rule not them. Lol, I have called FDIC and made complaint as should the rest of you. I know a lot about banks and I will be closing this account today April 11. Staying with my other bank Wells Fargo."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0af700327144c1e8206fe2222f5475c
encoding: FLOAT32
metadata:
{"chroma:document": "Called the local customer service number and after waiting on hold over 25 minutes, I lost patience and hung up. Called the national customer service number, and when they tried to place me on hold, I complained about wait times. Nice young lady looked into it and said my current wait time would be one hour and ten minutes. I had a relatively simple issue - charged an annual fee after they told me it would be waived - and the issue is still outstanding."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1dc384870e141f1b65efde42fe38b21
encoding: FLOAT32
metadata:
{"chroma:document": "Huntington bank does not stand by their customers! I filed a dispute absorbent though. I was not at fault and the items were returned. I never got my refund! $180.00 lost! Too bad for me huh? Crappy bank! They have the worst reviews of any bank in America! It's because of the crappy service and they don't have any protection for the customer! Take my advice. Go to any other bank but Huntington... Unless you enjoy getting robbed! I'm so disappointed and disgusted!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c2259475b1094725b35a58e3514e32b4
encoding: FLOAT32
metadata:
{"chroma:document": "Can't buy a lot of items all at once online using debit card because accounting can't keep up. They put a hold on the payment. Shows as payment pending but we already received the item 5 days ago and it was still pending. And they don't ship the items till payment received. Online it showed we had a balance left of 40 dollars. So I order an item at 37 dollars online and my account said I have 3 dollars left. Now it showing I'm 80 in red."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a0eb7e22e1f4aca98c25efc055184e8
encoding: FLOAT32
metadata:
{"chroma:document": "Stolen business check, sign by other and cashed. Huntington Bank said it was my fault because I did not have the checks in a safe place. Mmmm, under company desk? Also my ATM card had 5-6 charges daily until I found out via online banking. Again my fault. I've been messing with this from back early 2017 but now have to take it to court. Can't get anyone to sit down with me. ALWAYS REMEMBER ABOUT HUNTINGTON BANK BEFORE OPENING AN ACCOUNT OR DO BUSINESS. They are a national bank meaning no one on the state of Ohio level, department can touch him as you must go through the Federal Gov."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7720f06ec4d14cd3b3e84a08ef5c698c
encoding: FLOAT32
metadata:
{"chroma:document": "While we all have those banks where yes you pay on time and they smile and you go on. What really rates a lender to me is when you are going through a rough patch how they deal with it. I originally was with First Merit (they were even worse) but they were bought it by Huntington. Come to find out First Merit tacked on random late charges that are inaccurate and to transfer over to Huntington. Now instead of looking through these charges and verifying them Huntington who bought out the bank decides if you want them off you go ahead and do it. This bank is sleazy, rude, and incompetent if you are dealing with any kind of bump in the road. You are better off with one of the hometown credit unions. I can\u2019t wait to be rid of Huntington. Awful bank awful people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f2d9f8512c404ef9bc730833d7d08684
encoding: FLOAT32
metadata:
{"chroma:document": "I have been Banking with Huntington for quite a while now. I have had a lot of fraud happen and the last that really got me is I added my girlfriend to my account and 2 days later they took well over 1000 dollars out of my account because she owed them from years ago. So the bank I trust with my money just stole it from me. When we contacted the HR department the lady was very rude and said, \"I'm not giving you any money back.\" I asked if I could make payments. She kinda laughed and said, \"No I'm not refunding anything\" with a big attitude!! I asked why I wasn't told when I added her that she had a balance. The lady said, \"We don't have to tell you that and you signed the paperwork stating we can take your money at any time for reasons like this.\" I explained to her I will lose my house over this and she didn't even care so please reconsider banking here. Have a great day."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 86c846dcae014865995858bac44f151c
encoding: FLOAT32
metadata:
{"chroma:document": "I unfortunately gave this company way too many years of business. They weren't willing to refinance my car so I had to take my business somewhere else. When I stopped the auto pay I wasn't told it takes 5 days to become effective. So when my car was paid off in full by the new refinancing company, these people went and took another payment out of my checking account when there was a zero balance. And now they expect me to wait 10-20 days to get my money back on their incompetence."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5498bbef431d461b903989b6d05b43f6
encoding: FLOAT32
metadata:
{"chroma:document": "I received an auto loan from Huntington Bank through my car dealership in 2017. Here are my primary concerns: They do not have easily accessible customer service. There is no email address where you can upload attachments, for example. You can call and speak to someone on the phone if you want to be put on hold for half the day. There is nowhere you can go to provide feedback. When you enter in your bank account information to submit an electronic payment for your auto loan, the routing number/bank account number example that they show is backwards to the way they have you enter the data. This is very confusing... And if you accidentally flip-flop the bank acct / routing #s you will get a 'funds not available fee' and your payment will be late on top of it for additional fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16c0f9080a26429d858376e2c81dbc57
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a horrible experience with this company. I have it where my account is not allowed to go below zero and if it does the payment should be declined. Normally I'm pretty great with my money, but as of recently I haven't had much of it in my account. When an accidental payment went through they ALLOWED my account to go into the negatives instead of declining the payment. When calling while said payment was still pending, the lady assured me it would be denied after it was done pending. Next day, it went through and my account is in the negatives still with a 24-hour grace period to pay it all off when I don't get paid for another 6 days. I called again and they said there was NOTHING they could do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41cc2522b17d49da81509f43216cf318
encoding: FLOAT32
metadata:
{"chroma:document": "Worst experience with a car loan that I've ever had. Beware, Too many extra fees and they carry an additional insurance charge. I have full insurance coverage so that should've been enough. I will never use this bank again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8cc3b02c9ef74e7885a9474d1d1062c5
encoding: FLOAT32
metadata:
{"chroma:document": "I have very bad experience with this bank! They lost my 3 car payments I paid. I have proofs from my personal bank. This is happened 6 months ago and still no money find! I called 100 times customer service, was at bank in Hinsdale, Il couple of times and still nothing. They dont even care! Horrible bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fce982bb24664038afafd85d00805b9a
encoding: FLOAT32
metadata:
{"chroma:document": "I had a 30 day free trial with a company called Gwenny B and I canceled within the time frame because the clothes were not up to my standard. So the company took money out of my account. Anyway I contacted Hunting and told them what had happened. They did a half ass investigation and sent me a letter stating that the company said I didn't cancel in a timely manner. However the documents that were sent to me confirmed that I indeed did everything that was ask of me which proved Huntington did not even review my case. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8eaf33d4566549c8b37ad3540bcf4742
encoding: FLOAT32
metadata:
{"chroma:document": "I have banked with Huntington for over 3 years now. They are the best bank I have dealt with by far. The banking experience is honest and straightforward and my personal banker Melissa at The Mill Run Branch in Hilliard is the best. She goes out of her way to take care of her customers and cares about them like family. My girlfriend had an awful experience with PNC. I recommend she open a Huntington account. She is also very happy with Huntington and the 24 hour grace has saved her from overdraft fees on a couple occasions. Great Job Huntington. Keep up the good work."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a794e79ffd0242109f28e7b69adb8b45
encoding: FLOAT32
metadata:
{"chroma:document": "It is hard to believe that this bank, Huntington National Bank, will do this to their loyal customers. My wife\u2019s boat was damaged through a hurricane. My insurance paid fast and friendly. Since the boat was refinance through this bank I had to send the check to the bank for endorsement so they could pay the repair shop. My boat got fix and I\u2019m having issue the bank releasing the check to the repair shop which they are well known for 35 years. This is unheard of. They have not gave me explanation and the check, it\u2019s been in the bank for two months. This is bizarre. I pay for insurance and the bank gives me headaches even though payments have been on time always and customer has a great Beacon score. If I would\u2019ve known this since the beginning I would\u2019ve used another bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 691c7d3c5af14a14bbbd191a3b659fa7
encoding: FLOAT32
metadata:
{"chroma:document": "I frequent the branch on Mound/Central Ave. In Columbus Ohio and while most employees there are FRIENDLY I don't have time to wait in long lines while they are daily understaffed with tellers. I run a business and do the business banking but when I have to take 20-45 minutes in line to do our banking it gets VERY FRUSTRATING. I've even resorted to driving to another branch 10 minutes away versus this 1 that is 2 minutes because I can get back quicker including driving time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc30eeee128a4ef4b657c02b6af0e7b4
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with Huntington for 10 years. I can honestly say, I've never had any issues (which is why I rated 2 stars). That's until this past weekend, when my debit card # was stolen, and thieves spent $900+ from my account. 4 separate transactions were approved in a matter moments. The transactions were from California, Minnesota, and New York. I live in none of these states. Just moments before these transactions took place, I used my debit card and pin, in my home state. One would think a bank would recognize that its literally impossible for me to go coast to coast in an hours time. As soon as the fraud alert text was received, my wife called to advise it was not us. We were advised the fees were being declined, and our money would be back in our account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbbe83b6f5e34cbe8c0caba072c7a173
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been with Huntington bank for about 2 year, the bank services is amazing and help a lot but their call center representative are horrible, they have bad attitude and they don\u2019t care. Last time I called a lady was really unprofessional and when I said I wanna close my account she said, \"Ok. Bye bye\" and hung up on me. I would suggest that they pay a little more extra and hire professional people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dacb1b5099c440cb949aab384aa3617d
encoding: FLOAT32
metadata:
{"chroma:document": "A friend that had his ID stolen needed his check cashed. Well I cashed it for him from withdrawing money from an ATM. When I went to deposit the check in my account he signed it. Wrote pay to the order to me on it. They refused to accept letting me deposit it. What mind you I have several thousand dollars in my account. This was a $236.00 check so I could cover it if something was to bounce but it would not. It was his paycheck. I do not understand why I couldn't deposit this. Just ridiculous. Highly upset over this!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9734a8ea0a174dbe826cf3dfe3783092
encoding: FLOAT32
metadata:
{"chroma:document": "I have a car loan through Huntington and it has been the WORST experience of my life. The online banking system is beyond shady. IT WILL tell you your transaction was successful but if you have a digit wrong, the transaction STILL goes through but IT NEVER tells you that. No kickback nor email. Instead they call you weeks later to tell you. So you\u2019re slapped with a $35 late fee. There are SOOO many fees with them. You can\u2019t set up automated payments without going to a branch. That\u2019s what I did and confronted the manager and she said \u201cI\u2019ve never had anyone complain.\u201d I told her it\u2019s a scam. They are scamming me for late fees and she got defensive. Run far, far away from them. We are in 2017, the fact they make banking so difficult only means they are scamming everyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1eb3329b7a4c42aea2b5590ae13110ba
encoding: FLOAT32
metadata:
{"chroma:document": "I am so fed up with Huntington call center and how they treat someone that is on an account and also power of attorney of a soldier that is on the same account. One they want to argue and not look up the document and two they do not want to help. Now while she is serving overseas wants her to call them. The whole point of granting me (her mother) as power of attorney is to handle this while she is fighting for our county. Huntington also you are charging international fees and no one will help on the call center. GET YOUR CALL CENTER PEOPLE TRAINED! Customer service is REALLY BAD. I will be looking for a new bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b7a2e7858484397917030396019dea9
encoding: FLOAT32
metadata:
{"chroma:document": "My father has a car loan through this bank. He went into a nursing home but wanted to keep his car so my brother offered to take care of his bills for him. They wouldn't accept a payment from my brother until he proved he was his executor. My father was still alive at this point! So we got that straightened out. Well, we lost my dad a month and a half ago. My brother missed the ONE PAYMENT between then and now after we informed them of his death and they put it out for repossession!!! AND they made him prove again that he was executor and didn't accept the proof they had accepted previously! So my brother paid the missed payment but they said he'll have to take over the payments and, until he officially does that, the car will remain out for repossession! This is truly an awful company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d4fc33a4da7455181b14d6014eac0fa
encoding: FLOAT32
metadata:
{"chroma:document": "I went to the Huntington Bank on Hamilton Ave, in College Hill. This bank customer service is horrible, they are not polite at all. The customer has to wait like 45 minutes to speak with a Bank manager. Then there's only one person you can speak with, and Lord forbid if your account information has been stolen, like mine was, they told me to come back, later. Wow, they aren't as truthful as I thought."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55b73bb49da241ffb92d31d217fdc94f
encoding: FLOAT32
metadata:
{"chroma:document": "I have spent 8 phone calls and roughly 5 hours speaking with 12 different Huntington Bank representatives in an attempt to SIMPLY receive a lien release letter. In addition, my insurance rep has also been on conference call with me and Huntington in effort to resolve this issue and with all the promises and Bank reps telling us the letter would be sent, or has been sent, the letter has yet to be delivered. I have requested regular mail twice, fax twice and email once. And still I wait. No customer should be subject to such incompetence. Of the first 7 people I spoke with I was struck by the inconsistency of information in each conversation. It seems as though the representatives are unsure of what can and cannot be done."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cf2469a2768142b9a3269c4b99e3b9c9
encoding: FLOAT32
metadata:
{"chroma:document": "Huntington bank uses false advertising to attract customers to their bank. Their recent promotion is not honored, as told to me by LaShawnda the supervisor in customer service. She stated \"on the back end, it states that it is up to the bank's discretion whether to honor it.\" This is based on an algorithm. This is false advertising and designed to bring in and rip off individuals that are in a lower income bracket."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8771a101588f464bb9b05a1b1e167bee
encoding: FLOAT32
metadata:
{"chroma:document": "I've been here since 10:18 am and I'm still standing in line, while there is three teller at the front! This is not good customer service. Time is money and I'm losing money. I was at the Huntington on E Broad St? No one welcome me. I will never come to location Ever again. Bad customer service. No one paid attention to the clients coming in."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18d1ea32a1f042ada6073e72955ce50c
encoding: FLOAT32
metadata:
{"chroma:document": "I have an acct with US Bank as well. I opened this one for my daughter and myself. Ever since I opened up this acct I have had nothing but problems... Can't someone there count??? My acct has had many mistakes due to incorrect calculations!!! Is this a way of ripping people off???! I'm closing this ** acct and staying with my US Bank. At least they can count there!!! They are reliable and honest which is NOT something I can say for Huntington!!! Sooo disappointed!!! \u2639\ufe0f"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 705fb93f70284b82bbde32cdadbc01ca
encoding: FLOAT32
metadata:
{"chroma:document": "The online bankers are poorly trained and rude. Ask the same question to 3 people and you will get three different answers. Lien release documents never arrived at my home and the bank refused to fax a copy to complete sale of an automobile. They offered to snail mail another hard copy and quoted another 15-20 Days. Their systems are antiquated and poorly executed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1559723192574186a9e632668f992eec
encoding: FLOAT32
metadata:
{"chroma:document": "I used Huntington 24hr grace period for some purchases I made and deposited the cash on Sunday, the purchases didn't clear until Tuesday, but they gave me the fees anyway. When I looked at my account, they had posted it so the purchases cleared then they deposited the cash into my account. When I called them in regards to this matter, the guy began to raise his voice at me and tell me that the grace period did not apply because you have to be at a 0 balance. When I asked why did it show I had this grace period online, he tried saying it didn't. So I explained that this was false advertisement, he got upset and told me I didn't know what I was talking about. I told him he needed to stop raising his voice at me and as a retail manager for the last 20 years I know what false advertisement is. He still refused to return the fees. Lost my business, I go with a bank that doesn't steal your money!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0aa712e421a4cafb60a253bf091a5c0
encoding: FLOAT32
metadata:
{"chroma:document": "I am very displeased with Huntington customer services on the phone. It's ridiculous. You'd wait 30 mins for ANYTHING. My balance says I have my direct deposit but the ATM says otherwise! FIX THAT. If I don't have the money it shouldn't say I have it available for withdrawal! Ludicrous! That's why the call volume is so high too many problems! I'm not funding YOUR investments for this. YOU make money off us customers. We deserve more respect???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aca0699ffb944096955c8131b5914d3e
encoding: FLOAT32
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{"chroma:document": "When trying to get a hold of a banker on the phone, my 2-5 minute wait is sitting at 40 minutes and counting. This is twice in a row, though I only lasted 20 minutes last time. Big banks all have such similar rates and services, terrible customer service is a real good reason to stay away from this one."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a67fe274662b46f783b5ef92cdac68c1
encoding: FLOAT32
metadata:
{"chroma:document": "I received a check issued by Huntington Bank from one of my tenants. The amount was $1900 for rent; it was a Bank Check, not a personal check. I noticed the check was unusual; the account number was written in pen rather than printed on the bottom of the check. The amount was also hand-written rather than typed or machine printed. It certainly did not look like an official bank check. When I tried to deposit it remotely to my Bank of America account, the system wouldn't accept it. Not surprising since the format of the check was not like a normal check. Next, I took the check to Bank of America in person to deposit it. The check was not accepted by the bank because of the hand-written account number; BOA suggests I take it to Huntington."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 374da5900fd840cb97eea55466fb9b11
encoding: FLOAT32
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{"chroma:document": "I have a car loan through Huntington. As with the rest of my monthly bills, all I want to do is pay my bill automatically so I don't accidentally miss a payment. They don't offer an autopay option on their website. Additionally, they don't allow you to check off a \"pay my monthly payment\" box, so there's room for types in the amount. I've had issues with them twice in the last two months. First I had a typo in my amount so was dinged for a late payment. Then I signed up for auto-payment over the phone. But all they do when signing up for auto-payment is use the information you give them to email you a form to fill out and mail back. I was unaware of this email, so missed another payment. Everyone else in the industry allows you to sign up for auto-pay online quickly and easily. They should be doing the same."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: efbc568f17874ce2a9dbcb83bf1ad6f7
encoding: FLOAT32
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{"chroma:document": "In July of 2017 Huntington Bank decided to do a mortgage reassessment of my account. I had been a customer since July of 2016. They raised my payment by $120.00. The reason being they said that my property taxes doubled, I contacted my tax office and was surprised to find out that my taxes actually decreased by about $10.00. I immediately contacted customer service at Huntington Bank and was advised to send proof of my taxes which I did. Well my proof supposedly got lost in the mail, I called once again and to make a long story short they found they made a mistake instead of $625.00 my payment was supposed to be $515.00. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 024a4ae3dda043309a6a7ee0d12aa6a1
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{"chroma:document": "My family is on vacation. My employer deposited my paycheck for me. The teller did the deposit and then she treated the deposit slip as a check and cashed it. We noticed that there was a deposit and withdraw for the amount of my check while on our trip. Called Huntington who opened a dispute. They made a deposit to cover the error and then removed it the next morning. This happened three days in a row. Saturday there was no manager or anyone in the dispute department to help. The treatment and lack of urgency was insane. I called the branch where the deposit was made, no manager and no head teller to talk to."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf0eb2a0b3274e519eb26341f0342339
encoding: FLOAT32
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{"chroma:document": "Went to the Huntington Bank branch on 4121 Galbraith Rd. in Cincinnati before noon today to close my account. I had $5,200 in the account and asked for the money in cash. The bank rep asked me what I needed the money for - it was really none of his business. He then told me that the bank doesn't carry that much money in cash and they could give me MY OWN MONEY (!) as cashier's check. That is not what I asked for."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6fb0447cd94b4d509657f630c9c16f7e
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{"chroma:document": "I've been with Huntington Bank since the change from Sky, never had a big issue until today. I visited the Chippewa branch which is my usual location to cash a check for my husband, which I have done on many other occasions. I was told I was not allowed to cash it even though my husband had signed the check. The reason being \"you can't prove he signed that.\" I had my license, my account number and the signed check. There was absolutely no attempt to even ask another employee if it was possible to complete this task."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b37dd1cc139491fb705305ef11f6685
encoding: FLOAT32
metadata:
{"chroma:document": "I had trouble with 2 vendors that charged me after I cancelled. I went to the Huntington Bank, filled out some paperwork that someone helped me with. Because of their intervention, I received all the money back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1b676ac4ceb460399adb6539d016209
encoding: FLOAT32
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{"chroma:document": "Recently I purchased a boat from another customer of Huntington Bank. Here it is six weeks later still waiting for a release of lien so I can register this boat. Already missed 2 salmon tournaments because of their negligence. First release of lien was typed up wrong. Missed one letter in the hull number. Was then told I had to contact the original boat owner, so he could request the change. Even though I have all signed paperwork in my hand saying I purchased the boat. The previous owner is out of the picture. I just want this boat registered and will never do business with Huntington Bank again. In fact I'm refinancing the only loan I have through them with my credit union. It's no wonder this bank is continually changing hands."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dab03fa2360c456d89e1d699c2a9aef5
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{"chroma:document": "A couple of years ago the wife and I wanted to purchase a house locally. The house was up for auction through a national web site. Since we have been at Huntington for well about 15 years we filed for a house loan with them. So weeks before the house was going up for auction we filed for a house loan. Thinking that we had cash in a bank account to cover the house loan we knew we would have no problems getting approved. When I talked to the loan officer he suggested that we get a home equity loan on the house we live in. I stated that I'm not interested in using my home that would be paid off in just a few months as equity. So we filed for the home loan application. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 763ac5261b9a406da0246b12a6aa5427
encoding: FLOAT32
metadata:
{"chroma:document": "I have a loan through Huntington to pay off a small loan for a used car. If you don't have an account with Huntington you only really have two options for paying them - phone or snail mail. Their phone automated is system simply the worst I've ever dealt with. It will mishear or misinterpret everything said to it, no matter how clear I say my responses. I have to shout every answer. Seriously one of the worst times per month I have is when I have to pay my loan because I will go from calm to shouting rage by the time I'm done, and after 4 attempts at making the payment. Seriously I can't wait to pay off my loan, not just to discharge the debt, but so I never have to interact with Huntington National Bank again in my life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4c983b4f2914f5db0881b69d8b3d8d2
encoding: FLOAT32
metadata:
{"chroma:document": "I paid off my auto loan by wire transfer on 7/14. I called the bank today to find out where my title is. I was told that Huntington sent me out a \"courtesy letter\" on 7/24/17. (10 days after payoff). My title would be mailed out 10-14 days AFTER the courtesy letter was sent. I can expect to see my title 30 days AFTER I paid it off by wire transfer, basically cash. I asked to speak to a Supervisor to see about getting title sent quicker, Woman told me that \"it's the process, nothing I can do about the process.\" That's big banking for you, all about process, procedure and earning money for Wall Street. Employees are like robots and bank has no care for what would morally or general appropriate treatment of customers or people. This bank treats people like just numbers..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8653fed0099c4878ac7c7826563517c2
encoding: FLOAT32
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{"chroma:document": "I opened an account as a Rep Payee for social security for a client. I was NOT told at the time of opening the account that I will not be allowed online access to it. After trying to open it online and failing I went in the bank. They did tell me, \"You can come in or call us for info\". How ridiculous is that given today's technology. Now I will have to find another bank and change accounts and reorder checks etc all over. Been a customer in this bank since the 70's, BUT since Huntington took over it's a nightmare. I can find no real reason to deny a legitimate reason for denial."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ad01b4074234c35a80e99d500e8384c
encoding: FLOAT32
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{"chroma:document": "I go into the bank everyday to make a company deposit. On this day, I got the \"new\" district manager who I had seen in there for the past couple weeks and also called me \"Sue\" to come to her window to make the deposit. She did the deposit, gave me the receipts back. I then gave her a check to cash made on the same company I had just made a deposit for around $200.00. She then informed me that I needed to give her my driver's license to scan. I said I have accounts with this bank and I just made a company deposit. She informed me that it is to prove I am who I say I am. This is the most asinine thing I've heard in a while. Shhhhh, don't tell the company I work for that I'm not really me!!! As soon as I can arrange it, my accounts are being closed down!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 775caed34e7e48c5873842b62a4b28e0
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{"chroma:document": "Huntington Banks, in Huntington, WV had a large amount of my money in their commodities for six years. Teresa told us that this would be a good place to put it and that she thought commodities would raise in value over the next couple of years. She pointed out that she had been selected as awarded an Investment Broker of the Year or something to that effect. Well, after six years we actually gained the huge sum of $4.02."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a27d11ddf56f47aea4fc82549bd4ccde
encoding: FLOAT32
metadata:
{"chroma:document": "I will never bank with Huntington ever again and I will never recommend this bank to anybody!! When I opened up a checking account I had opted out of overdraft because I do not want to pay any kind of fees. So I have had the account for almost a year. All of a sudden a month ago transactions were going through when I had only a few dollars on my card so I was going to pay half cash half my card. Well Huntington approved the whole amount which left me in the negatives of course so I had called the bank and asked why did they allow a transaction to go through when there wasn't enough to even cover it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e6ba3045e0d42179e2ddd58c0c761f8
encoding: FLOAT32
metadata:
{"chroma:document": "We reported the death on 5/23 and received only one phone call back as to what will need to happen next. We got an email address and when we received the death certificate, the email came back deliverable. I was able to contact Customer Service (spoke with a very nice woman) to get another email address however what she gave was also undeliverable. I finally was able to fax document 6/8 and have not heard from anyone still!! I escalated a complaint because Probate does not take calls, the message states they return a call within 24 hours which is untrue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb1f9fe78d654cbf9e187dc9fa8e8c63
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metadata:
{"chroma:document": "I bought a Samsung Galaxy S Edge. It has Samsung pay. I can't even use it because my bank don't honor Samsung pay. I can't even receive any rewards and a lot of banks even Military Banks accept Samsung pay and I think that's discrimination!! I'm handicapped and I can't even get my medication. How messed up is that?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 392abcd7db5c461a9c2efcdc0410e6eb
encoding: FLOAT32
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{"chroma:document": "I spent about 30(+) mins. on (2) phone calls asking to get a new debit/checking card because someone may have stole my card. Then, on both the calls at the end of them... the end results \"I'm sorry you're going to have to go into our banking centers\". I understand that they are making it more \"FRAUD PROOF\"... I followed their instructions exactly and then I still had no guarantee of NOT having to go to the banking center. What would have happened if I couldn't have walked? They are worse than 5/3 Bank. I worked for 5/3 Bank and I never have a problem with them like that! I was NOT satisfied with HUNTINGTON BANK!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db2e1a146dc74aad8a9a7bd06b6eec21
encoding: FLOAT32
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{"chroma:document": "I deposited a check for 2500 dollars into my account. I asked my branch before depositing it how long the hold would be and they said the most would be three days. After 3 days I called my branch and they said it would be held for 10 more days because the main branch randomly picks checks to hold? Who does this?! After reading other reviews, I now know they are getting interest on these held checks! DO NOT DEPOSIT CHECKS!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a9dcaf085d1344518682cdc9858549ca
encoding: FLOAT32
metadata:
{"chroma:document": "I called the bank to let them know I would be using my card out of the country. When I tried to use it, it was declined. When I returned from my trip, I called and was informed that they put a fraud alert on my card because it had been tried to be used out of the country. They had set up my debit card as the card I would be using, which I didn't take with me. They stated that they would remove the fraud alert. When I tried to use it again from home, again declined. I went to local branch to cancel the card altogether and branch manager talked me into applying for a new card since the other one was tied to First Merit from the merger. The next day I received my credit card statement with a past due charge. I immediately went online and paid it. After thinking about it I checked my checking account because I was sure I paid the balance before my trip. I saw where I had paid it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34f25e04735e46d1a535267817819d62
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{"chroma:document": "Twice now I have tried to get a home-equity with Huntington. Both times they sent the same guy who knows nothing about appraisals. My house is on Hoover Reservoir. It's updated, has lots of windows and a beautiful view. The appraiser used three comps that are not on the water and are not beautiful homes. In fact they are dated, weird and almost unfit to be lived in. Huntington appraised my house at $445,000. Just down the street a lot recently sold for $545,000. This was low because it is a very difficult lot to build on. The lot didn't even have utilities yet my house with a normal terrain, not difficult to build on, appraises for $445,000. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f92d4ae2e8448a285783e5f424211e8
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{"chroma:document": "I opened up a checking account with Huntington Bank a little more than a month ago. This was in response to an invitation they sent me to open the account. I needed to deposit $1000 in the account which I did. I deposited it with a guaranteed check. They immediately froze it. Nowhere in any of the paperwork they sent me did it say they would freeze my deposit and since I was using a guaranteed check (guarantee that the money was available to cover that deposit, in fact had been set aside to cover that deposit and couldn't be used for anything but that) there was absolutely no reason for them to freeze it. Also I do not have a bad credit history, I don't have a history of overdrafts, there was/is NO reason for them to do this. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d5d1a70a4254f2994e0aac1acb9426c
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{"chroma:document": "I was a customer of FirstMerit Bank for 22 years prior to Huntington's acquisition. The staff at the former FirstMerit Banks and the Huntington branches are friendly. I have used online banking at both banks. What I find with Huntington is that when I use online bill pay they take the monies from my account but they do not always disperse it electronically on the same day as reflected by the date it was received by the payee. They give a 3 day window to disperse. Hmmm. FirstMerit would take the money from my account and electronically disperse it the same day resulting in the payee crediting my account on that day. Electronic dispersal is fast and instantaneous. Why the delay? Also, when it comes to online bill pay checks to merchants, Huntington takes the money from my account on the date I entered to send the check, then sends the check. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9069fec5f5a41a898a52595282a6ebf
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{"chroma:document": "Horrible customer service. I sent in a check for $12k to pay off my account. Huntington only cashed it for $2k. 2 weeks later after calling everyday they still had not resolved the issue so I made a payment of $10k over the phone. Last night they processed my payment for $10k again causing my account to go overdraft. Called Huntington this morning and talked to Crystal and she said I have to wait for the payment to clear their side of the bank and wait for processing for it to be refunded to me. I asked how long it would take and she hung up on me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1179c9335db24de0a5eaad8614b149f3
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{"chroma:document": "Ever since the manager Jeff ** left the Powell Huntington location I have noticed a distinct drop off in service for just being able to off a deposit or pick up some cash. I'm an old guy so I don't use ATM's. I still like to get out of a car and meet the person who is handling the money... although of late, I've ventured out to the drive-through windows. For whatever reason, 5 people can be in a line and 5 employees in the \"store\" yet the 5 customers are provided just 2 of the tellers while others sit in front of a computer and look at a screen. In the old days, Jeff would jump up and take care of the customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "My experience with TD is as a bookkeeper for a non-profit sport club. The three signers for the club had to register together, in-person even if they had done so the previous year. This process took three visits because the bank personnel didn't have all the documents ready to sign. (Does TD give their least experienced employees this task?) Also obtaining online access to the account took four months for a new treasurer, and then only that one person had access to view the account and download statements. When the next new treasurer did not go through this tedious process, it became impossible to view the account, or obtain statements, at all. At one point a bank employee promised to mail the statements to the club (as had been done in the past) but that never happened. My advice to any non-profit organization is DON'T BANK at TD!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 78ae50d5804646f1a2ccb589b1a855bb
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{"chroma:document": "I have a HLOC with TD Bank for a few years now. I had paid off my loan in full but a month after they claimed that I still owed a balance. I was not aware of this as I thought I had paid the loan in full. So my account started to get past due \"without my knowledge\" and 2 days after it was due they reported a late payment on my credit report. \"2 DAYS???\".. 42 days late I received a notice in the mail they were going to foreclose on my property if I did not pay... So I paid off the remaining balance immediately as I have had perfect credit for 32 years with zero late payment.. I did a quick check on my credit today and realized it had dropped considerably because of this.. They said they called but never left a VM or sent me any notices outside of the one I received at 42 days.. I have banked with many banks in my day but never have I experienced anything like this.. I have called and canceled my HLOC and with NEVER bank with TD Bank again, ever..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4fef0eb20f224d808b2eeab138d11141
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{"chroma:document": "No mortgage statements or details online to view. You can only see the account number and loan amount remaining. This is problematic when you have money in escrow/taxes. They still rely on paper copies to be sent to the home. They assumed my mortgage, so most of us don't get to pick the mortgage servicer that eventually ends up with the loan."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1b135d13a8b48f880d35fd5a71d110a
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{"chroma:document": "I was on a call with customer service representative who got belligerent with me. She proceeded to freeze my account, and claim fraud, where there was none. So, all of my money has been frozen for a week. I am Disabled, and now have no money for my food or medicines, thanks to them! Please beware and do not do business with a fraudulent organization such as this, which is TD Bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3de61185bad146748b099b177deb0fa9
encoding: FLOAT32
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{"chroma:document": "After participating and using the app I did not get the discount promised. I spoke with 2 representatives of TD Bank and no one could show me in my new policy where is the discount. I went through the policy with them and compared the amounts from each coverage of both policies and the discount was not present there. He told me that the discount was there but he was not able to find it. Also, he told me that the discount would be less because I had to deduct the amount that I was already receiving for just participating in the program. I asked him to show me where this information is written and he also could not show me. This program is a scam."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08e1145a675340139137d9e6a7e9c421
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{"chroma:document": "I am 10 years with this bank. Having excellent credit score. Working as a nurse with stable income. I have been waiting one and half month for the loan approval and after so many days of waiting and sending tons of papers they declined my application. I will stop working with this bank which I suggest others too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fcf69037e06945a0be178e84db3cd468
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metadata:
{"chroma:document": "Title: Extremely Disappointed with TD Bank's Lack of Communication and Poor Service. Rating: \u2b50 I'm utterly disappointed with TD Bank's recent handling of my concerns. For 15 days, I've been met with complete silence regarding my inquiries, which is simply unacceptable. The Bank Contact Centre's efficiency leaves much to be desired, as it's evident that there's a dire need for improvement."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a184ef6efe7549ab815dbc79459101ad
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{"chroma:document": "I opened an account with Samsung Financing which is run by TD Bank Retail Card Services for the purchase of a Samsung Refrigerator. What a mistake!!! Both companies are poorly run and have refused to do what is right. The refrigerator was damaged by the delivery drivers at delivery which I noted on the delivery ticket. I contacted Samsung to get the damaged panels for my refrigerator replace and Samsung said I have to call another number to get the panels replace. So we called the Samsung number and it stated, \"This Samsung number will be no longer in services as on October 1st, 2022\". This was Early to mid September mind you and the number was no longer in service weeks prior to 10/01. So we called the other customer service number to escalate the matter and every time we were directed to the out of service number. We even tried on-line chat and hours and hours on the phone to no avail. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "They are NOT convenient, EXTREMELY incompetent EVERY time that you are REQUIRED to go to a branch whether it be for account issues or notary! Their online banking is constantly making mistakes in your account requiring you to repeatedly call or go to a branch! My primary bank is a different one with never an issue, TDBANK constant headache and problems! Please save yourself the problems! DO NOT deal with TDBANK. They are closing branches due to POOR business! Myself, Brother and Father are three that cancelled our accounts due to issues and POOR customer service! They also charge for everything."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e285f57b9444e168c94a43a292b1aee
encoding: FLOAT32
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{"chroma:document": "I've been with TD for some time now so I decided to open a business account. I have garbage trucks and do garbage removal. I got paid by check. I deposited it. They said it's a bad check and shut all my accounts down. If that's the way they do business maybe it's for the best but it's totally uncalled for."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8fd54d6bbf7146d4bfc551a4da9b6502
encoding: FLOAT32
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{"chroma:document": "TERRIBLE BANK - TAKING ALL OF MY MONEY OUT ASAP. They are refusing to deposit a verified check from the sale of my home. I am 5 months pregnant, have a 9-month-old baby girl, and I am supposed to close on our new house on Monday. Without the funds, we cannot close. I am homeless. They do not care. The money has already been taken from the buyer's bank account, yet TD is holding it in limbo for 7 business days...making money off of my back. I have called over 10 times asking them to deposit the funds, and I was told that by the end of the business day each day it would be looked at. It has not. You can't even speak to someone in this \"fraud department.\" It seems to me that TD are the fraudulent scammers. SO INCREDIBLY FRUSTRATED."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0f3dd7171e54f2598611b5f129158ff
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{"chroma:document": "Don't use TD or Waterhouse for investment. They say that they give superior customer service but nothing could be further from the truth. They say their fees are lower but that is for a reason, they lack knowledge and experience and encourage you to do more trades so they make more money from the fees they charge."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc1abddef666408ca5f4f74708b0b4a9
encoding: FLOAT32
metadata:
{"chroma:document": "The worst bank. Had a privacy and security breach and kicked out a whistleblower. Imagine how much they care about their customers. It is one of the worst banks in Canada, nothing good really, just expensive fees and peddling of the green."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d95465f5da9a4b98b5cef3289e859e6b
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{"chroma:document": "I live in Thunder Bay and I visited the TD Bank Branch on Arthur Street-West. My problem was that I used an app- Taptap Send to send money internationally back home in Ghana, and the transfer had failed, but my money was not credited to me. There was a lady there named Karry. She looked after my case. Kerry from Thunder Bay, Ontario- TD branch on Arthur Street-West, was very kind, polite and extremely Patience, very competent and smart! Even at the time the bank was closing, she waited and made sure she printed all my evidences to file a dispute for me. Thank you so very much Karry for all your care and absolutely Great customer services. I was very happy you took over my case and made sure I was satisfied. All is greatly appreciated from the bottom of my heart. I was very depressed but your help made me feel so much better. God bless you Karry."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 49b3948722644313a87e759b7dd74dfd
encoding: FLOAT32
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{"chroma:document": "TD Bank is absolutely ridiculous. I'm a truck driver and during the pandemic I was so busy driving and getting supplies delivered all over America. My Red Card was set on autopay and since I couldn't manage my credit union I switched my payment to my other bank since they're nationwide. Unaware that it didn't apply for the current month my payment failed to post. TD Bank ended up putting 2 late payments on my account. I've written, called and filed a complaint with CFPB about this error. TD Bank refuses to rectify the entries. I had same issue with Kohl's and Walmart. They immediately fixed these late payments but TD Bank is so greedy and unfair they will not fix it no matter what. I can't wait to pay this account off and close it even though it's one of my oldest cards. I refuse to give them my business after this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 406a681e0a6e4a6a91ed5e0e02014190
encoding: FLOAT32
metadata:
{"chroma:document": "Fraudulent bank. Can't even be 2 seconds late on trying to bring account into the positive, during grace period. I've been pummeled with over 300 in overdraft fees within the past 4 weeks. TD is a horrible bank. And makes no exceptions after the 10:59 pm EST cut off time for the grace period. They've taken WAY too much of my money. I'm a ride share driver... I make my money throughout the day...continuously depositing varying amounts to my TD bank account, in order to RACE to get the money in there BEFORE 10:59 EST grace period ends. Lately, my final Rideshare ride has ended just ever so slightly beyond that grace period...which WOULD HAVE saved me from HUNDREDS of dollars in overdraft fees. But NOPE... TD doesn't care. All they want is to overdraft the ** out of customers, and take your money... Even if you bring your account in the positive 5 min after the grace period ends."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 651830645fb049599d40e46c9d9a13a7
encoding: FLOAT32
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{"chroma:document": "I opened my checking account in 2007, and later added my husband to the account. A week ago my husband compromised our accounts and had to report fraud. We went into the branch 5744 and closed our accounts and reopened new accounts. My husband was immediately issued a new debit but my name had to be 'added'. Here we are 3 days later and TD Bank is refusing to give me access to our money OR give me a new debit card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b6b18d1bff794d51977fe82eb198b4fb
encoding: FLOAT32
metadata:
{"chroma:document": "I have a flyer in the mail for TD Bank promotion checking and saving account with over $500 bonus. I open and follow all the requirements but no bonus. This bank scammed me. I closed down my account. I will never bank again with TD bank. I would have given zero stars if I could. Beware of flyer through the mail."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f64b6bbecdc475484f088a7cb25c79d
encoding: FLOAT32
metadata:
{"chroma:document": "I bought a Samsung Phone with 24 months equal payments but then minimal payment is set at the end - charging for late payment if does not meet minimal payments. This is fraudulence advertisement and it needs to be stopped."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d786ebe9deb47c3bdbab5e25161546b
encoding: FLOAT32
metadata:
{"chroma:document": "I open promotion account with bonus. I open checking with direct deposit from work and saving with ten thousand deposit. NO Bonus receive as they promise. Banking personnel told me they accept deposit check from Employer but they later change. They said it has to be direct deposit. This bank doesn't do as they promise. I close down my account. Can't trust a bank that lie to its customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a739abd38905478ca79451e2acc01d5d
encoding: FLOAT32
metadata:
{"chroma:document": "After taking 100's of checks from my best customer without ever having a problem today for no apparent reason they decided to put a 10 day hold on his check leaving me without funds to run my business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11efb03d003040d8ba85fd9887e77c85
encoding: FLOAT32
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{"chroma:document": "I have an account with TD for last 17 yrs. I know that it is a very nice bank. Recently I have so bad experience to share with you. I gave a cheque of 2K to someone about 1 yr 8 months ago from my TD account. It was not cashed out. Usually a cheque is valid for 6 months and then it is staled cheque. The bank should not honor the personal cheque after 6 months. But Td took away the money of 2k as the cheque deposited after 1 yr 8 months. When I talked or disputed regarding the cheque the trailer told me it would be back but after a few days they are saying that they will not return the money. I have all the documents regarding this. I don't know who to complain further but I think TD is not more safe in Canada in accounting. Thanks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 234ac5ffee1647f983db26612335c670
encoding: FLOAT32
metadata:
{"chroma:document": "I am a small business I deposit checks into my TD account then they put a hold on the check for 7 days. They don\u2019t care about I have to pay my workers and buy material. I say this to all consumers, stay away from this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 680ea6e7d9054c87b2d7ebecc5c6c64d
encoding: FLOAT32
metadata:
{"chroma:document": "When TD was new to NY they would bend over backwards to prove how different they were to other banks (free pens, very late hours, dog biscuits), now that they are established and no longer need to kiss anyone's butt, they are showing their true colors. I simply wanted to update my phone number as the old one is no longer valid and that locks you out of your online account. She said my phone number could not be verified and as such she would not update my account. I would rather keep all my money under the mattress - they don't deserve my business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a6ef4fc684946c38fcd7ded6a067132
encoding: FLOAT32
metadata:
{"chroma:document": "IGNORE ALL OF THE WALLETHUB Reviews and all of the fake 5 star reviews. Those are paid reviews. I promise you, these companies will try to drown out real reviewers for an extra fool, I mean customer! Worst credit I have ever had in my life! They deliberately try their very best to ruin your credit so they can get late fees and other fees out you, they do not care about the well-being of anyone who is foolish enough to enroll with their credit lines, (Sadly I fell for it trying to get a Samsung phone) I should I have paid it off and not have to deal with them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 805b80c125824122b7b74907f6864adb
encoding: FLOAT32
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{"chroma:document": "I have never missed a payment and noticed that I had a late fee. Set it aside to call before my next payment and since it took me one week too long to call, they had already charged me a second late fee. I never made a late payment!!!! I paid one payment 2 days before the new statement date and they counted it on the previous statement so they showed I missed a payment. Even after figuring out the issue, they could only \u201cforgive one late fee per year.\u201d I could accept that if there was EVER A LATE STATEMENT but there was not, just a company looking to rip off customers who pay their bills and are dependable\u2026Never again will I use this card or company!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe5327f0828c407fbaadc677d16207a2
encoding: FLOAT32
metadata:
{"chroma:document": "Please note there are really only a handful of TD bank offices in the entire USA, and almost all are within walking distance of one another in Manhattan. I lost my cellphone number. Due to two-party authentication, they refused to help me, and locked my account. They tell me I must travel from Chicago to NYC to show a teller my driver's license. Now that's chutzpah."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe16b3efbc4a4b1cba2ff79f9f959357
encoding: FLOAT32
metadata:
{"chroma:document": "I paid off the loan with TD Bank eight years ago. They never satisfied it from my title because of their mistake. For close to a month I\u2019ve been trying to get proof for the title company that is paid and they\u2019re being nothing but rude and unhelpful. I lost my buyer today because of them. Never do business with them because they do not care at all about their customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 43223a6329fb4a9eaf136a35d573e44c
encoding: FLOAT32
metadata:
{"chroma:document": "Despite signing up for online notifications, I received no notices that my bank accounts had dropped below the minimum required, leading me to be charge $40 maintenance fees for months. Then when I tried to get money into the accounts, there were delays due to their system. But I was told that even though I was trying to get money into THEIR bank, I would still be charged the fees. So instead of working with me and at least waiving one month of fees, I had to shut one account down and am in the middle of shutting the last one down. They are a bunch of criminals and forget about customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a657b00ecf244f45865df6f8f7d77109
encoding: FLOAT32
metadata:
{"chroma:document": "Hello TD Bank, I used TD's services with a Rooms To Go account to purchase furniture. I made ALL my payments on time using autopay. In June 2021, my account was PAID IN FULL (see attached statement). A few months later I got an email about my account being delinquent. Again, this is for an account that was PAID IN FULL. Apparently, this shameful and disgraceful financial institution tried to charge a $1 to my account AFTER I switched banks (bank used for autopay was no longer there). Since your company could not get that $1.00 (illegal charge btw) they started slapping NFS, LATE, ETC. fees. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 35cca720e23b4e639503ca7c31d3dffb
encoding: FLOAT32
metadata:
{"chroma:document": "This company is absolutely the worst I have ever dealt with in my 44yrs on earth. I purchased a phone through them \"Samsung All Goods\". I was never sent any payment info and was not sure if it was billed directly through my phone bill. My notification came when I noticed a hit on my credit report and through Credit Karma I tracked down TD Bank as the company. That 1 was my fault. Then I set up auto pay and it failed to process another payment. Frustrated with the company I called in and asked what the entire balance was and was told an incorrect number leaving a balance of $130 on the account. They never call and go directly to pinging your credit report so I was hit again. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f1addc918864baeb5b46258771d344b
encoding: FLOAT32
metadata:
{"chroma:document": "I had a devastating experience with TD and the customer support just throw me to the wolves like a discarded piece of garbage. And that is under the 'most convenient Bank' cover. I missed a 10$ late payment on a TD Credit card that I don't use normally and that was reported to the Credit Bureau and had a 100 points credit score drop. I paid the full balance the day after I found from Credit Bureau about the problem and called TD to ask for help thinking they could do something about it. All they told me was that I was trying to falsify my records by asking for help. When I told them they should warn their overdue clients somehow since they have all phone numbers and email information, I was told that is not TD's business. I guess their business is to screw their customers so they can charge higher interest. Having to go through such experience was traumatic. My only defense is to change the bank and never go back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93d31664096a4ea2a4703c1ccf511961
encoding: FLOAT32
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{"chroma:document": "Do not open accounts with TD. My business Visa credit card is being charged every month and no one knows who is getting the money. I had to make 8 phone calls to TD customer care. The endless authentication process is excruciating despite being authenticated by the TD app. Spoke to Stephanie, Haris, Julia, Aman, Mira, Bithusha, Hanif in a single day and the manager Karen ** who was the worst. The service has not been provided. My credit card continues to be charged every month for some random \"vendor\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8949761dbcd04c69a74df21f9c525df0
encoding: FLOAT32
metadata:
{"chroma:document": "Be warned: TD Bank lies when offering banking promotions. When contacting customer service to resolve issues, they promise to rectify problems and take no action at all to resole anything \u2013 more lies. Although they appear to be a good basic banking choice, they do not stand behind their own published policies and promotions (account fees, promotional credits, etc.) and they offer no customer service with the resulting issues. Other functions \u2013 ATM access, statements, etc. \u2013 are fine, but the failure to deliver on published information and broken, meaningless promises of all who work there ruin it all. TD Bank is far more frustrating than any simple checking or savings account needs to be."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e2fe965c4bd49e5b8f68d6fb910f5a7
encoding: FLOAT32
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{"chroma:document": "Summary: If you expect any help from call center, maybe you should try to pray god. Because your prays are more likely to be answered than the customer representative. My account is locked. I spent 1.5 hours but nobody answered. I got tired of waiting so I asked my girlfriend to call as well and her call was answered because if your card is locked, then they do not accept your card number but they do not tell you this either. Anyway we solved the problems after 3 hours of call. Then guess what, they locked my account again the same day. I am still waiting on the phone. It says, it can continue up to 60 mins!!! I mean the record said that about 2 hours ago but anyway. If they perform just like the last time, I only have to wait on the phone for 1 more hour, then I can use my own money just like it is my own. If this is not a miracle then what is. If you believe in miracles then you should give it a try."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c13993a19e73411e82485117f74e0049
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank is not as great as I thought, they are not even good. TD bank is holding my paycheck for 7 days. I called to have it released by they kept saying the same thing over and over, it is TD policy. I spoke to a manager and explained how wrong it was to hold my paycheck. He said the same thing company policy. TD managers are useless. Might as well just get a computer to do their job, just get the computer to constantly quote policy and not listen. I don't know what TD is thinking but no bank has ever put a hold on my paycheck. I said this is a new account but I have been with TD for 30 years, useless manager would not look it up.  I got a payday loan so I can cover my financial obligations. You suck TD and your policy is very, very messed up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07566e6242d54a919a8cd9573bd5894a
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metadata:
{"chroma:document": "Terrible online banking for business. Website access to accounts is routinely down. It's difficult to actually be more terrible than business banking in Puerto Rico and TD achieves this on a monthly basis for more than 2 years now of direct comparison. Perhaps one will fair better on the retail side of the bank but if you are looking for a new business bank, keep looking!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ad5fb0e6bfa410e98cfd525760ddc29
encoding: FLOAT32
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{"chroma:document": "I purchased 2 beds/mattresses along with my living room sets from Raymour and Flanagan, totaling over $6,000.00. I paid and had a balance of $300.00. In July 2022 a payment was returned which I went back and resubmitted and paid the $25.00 fee, mind you, this was the first time since I purchased the furniture. The punishment they gave me is to DAMAGE my credit. So, they give me a credit balance less than what I owe. As of today, my credit limit dropped to $250.00 from 8,000.00 plus and my balance is $251.00; this is what they will report to the CBR in 30 days showing that I am an irresponsible creditor. My contract states that I have up to 2023 to paid off this debt but I worked so hard to pay it off in 2022. I need a thorough investigation on this"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22acf67c212b4c5ea5531b6aadb8c406
encoding: FLOAT32
metadata:
{"chroma:document": "I opened my account online in June but before I was issued a debit card, I had to go into a branch and physically show ID. All was well until I tried using my card. After the first couple of attempts, they restricted my online access and forced me to go into the Branch to show my ID again!! I was unable to use my debit card because my card was locked so that meant that until the issue was resolved, I had to go into a branch and withdraw money from the Teller. What a huge inconvenience. Not one customer service Rep was able to tell me why and while they were all very nice, they were unable to assist. Switching back to my old bank. Not worth the hassle."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1cf113d5dc6e494b83c50d2d5296b897
encoding: FLOAT32
metadata:
{"chroma:document": "This company will pick up your calls and not do anything to help you. They put you on hold for 20+ minutes and never resolve anything. Their phone employees are not truthful and will talk over the customer continually. I called to have a proof of lien taken off of my car which has been paid off for 6 years. They told us they faxed definitely on 5 different each times we spoke to a supervisor who assured us that the document was faxed and mailed, but we received nothing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3da9bc54305844ff91b194cf42b53fe3
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible bank. I been with them for a month and it\u2019s horrible. My card got lost and changed was being made with the card with online purchase! I file a claim and weeks later TD notify me that there was valid transactions :-|. No way are they telling me it\u2019s valid. Now if they tell me the pin was use which my pin isn\u2019t on my card but it\u2019s online purchases that was not made by me so how is this valid!!!! To top it off they didn\u2019t notify me when these transactions was being made On my account!!!! Don\u2019t use TD Bank if you are looking to switch! Save yourself from the headache. I\u2019m going to stick to my Chase account number where I don\u2019t have these types of concerns."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 456649e8e849424993082673c59c7f29
encoding: FLOAT32
metadata:
{"chroma:document": "I called the customer service and in maybe 8 times, they never helped me. My account still get freeze up, bad infos on my accounts, other strange things. I don't believe since they are not able to fix simple problems that they can do more. I will leave them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48df9e5e7d944fc6838379af7287155d
encoding: FLOAT32
metadata:
{"chroma:document": "Hopefully something can be done maybe a Samsung rep might see this and withdraw their account. All I will say is that I will never finance with Samsung again if all they have is this bank. I had the Samsung care and cancelled but apparently TD BANK never got the memo and continued to charge me despite my relentless effort to resolve the problem then had the audacity to charge a late fee and ding my credit when I was trying to resolve the problem with the sloppy phone system that didn't work. When I asked to speak to a person to make my payment they hung up on me. This did not only happen once but several times as I tried to get clarification of the charges. It sounded like the same woman every time and the more I called the more aggressive she became. Samsung will not get my financing ever again and hopefully others will see and withdraw as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d43d533824aa4e5b9cb258d1fd6f9f8e
encoding: FLOAT32
metadata:
{"chroma:document": "I requested a payment from a friend to send fund to a non-TD bank account on 4/30/2022. I gave him my email address (**). My friend reported there was a trouble to send by that email address. Then I did a test transfer from Chase, paying and receiving from that email address worked flawlessly. So I asked my friend to double check email address entered and try again. My friend reported the same error again. I asked my friend which bank he is using. My friend told me it was TD Bank. As I also had a TD Bank account. So I tried to use my TD Bank account to do the transaction. Surprisely, TD Bank locked my non-TD bank account email address (starting with **) in their system (not Zelle did)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I was looking to open a new checking and savings account, and came across TD Bank. I liked what I read and according to their website, they had a branch in Richmond VA. Great. I start the process online, but had a couple questions so I called their customer service. They were kind with helping me setup the account. They walked me through how to fund my account with my debit card from my current account, and explained that I could go to the branch on Broad St and pick up my debit. Since they said I'd have immediate access to my funds after picking up my debit card, I transferred all I had into opening a checking and savings account. Well, when I went to the location on Broad St, I was informed it was not a TD Bank, but TD Ameritrade. A completely different entity."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 89874eae98a147748c26bfa267e521d3
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{"chroma:document": "On June 13, 2022 I made an online transfer from my Chase checking account to my TD Bank Account. I have the trace number and proof from Chase they accepted it yet they are saying they do not. I have spent in excess of 10 hours and still I am out $2500. THIS BANK IS A SHAM AND STEAL MONEY. DO NOT BANK WITH THEM!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f191376a17bc4ab6950dcd2ecdc618aa
encoding: FLOAT32
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{"chroma:document": "The most horrible bank. The most horrible bank, don't let them fool you with start kindness even if they are never kind!! They will not protect you or your money ever!!!! From fraud or unintended purchases> the customer service is rude all the time and unhelpful always!!!! Find USA based bank instead that is what I did> much happier now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81bb931e40a149b6bd995d3d453599f6
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{"chroma:document": "Embarrassing, disappointing. 6 hours wait on the phone and agents drops the call. Couldn't be any worse, when you need TD Bank loss prevention dep help. Months to report loss. Embarrassing, disappointing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f47539ab92624c73baa743d7da54cfb6
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{"chroma:document": "After a few years having an account with TD bank I decided to close due to poor customer service, a woman who was helping me had a breakdown and started to insult me and yell, no manager or any of the employees did anything and push me outside. I went to another branch and asked the steps to follow to close the account, they said just get all your money and when is on 0, automatically it will be closed. 4 months later I received a letter charging $20 for overdraft. I called to 800 number, they can\u2019t do anything, I should go in person to the branch, pay the fee and then, they will close it to further debits. I am traumatized just getting around that bank, don\u2019t have any respect for the customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 92fa90df38e84919a758d03423d9b660
encoding: FLOAT32
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{"chroma:document": "I've been a TD client for many years and they keep going backwards. Every time I use my card without fail they put a fraud alert. Even using it with my pincode. When I try to unlock it they make me wait 40 min on hold and then won't help because I'm overseas. I'm fed up with their backward policies. Bad fraud alerts and that I can make any type of transfers other than going into the branch. I'm leaving TD for good. Worst bank ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c05d4b4b88d842db96a869ce21179d5c
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{"chroma:document": "Full disclosure; I have not experienced a negative issue with this bank until (06/14/2022). Do not post date any check and expect TD Bank to honor it. If any post dated check is deposited before the date written on the check TD BANK WILL CLEAR IT THE DAY RECEIVED. This is against conventional wisdom. They expect people to recognize the later date and to not attempt to deposit the check. If the recipient of the check chooses to deposit the check EVEN BEFORE THE DATE WRITTEN ON SAID CHECK, the funds will be cleared for the next business day. TD Bank does not inform their patrons of this for some unknown reason. However I find this absolutely unacceptable and it leads to feelings of distrust and disappointment in the practice. I will be looking to bank elsewhere. I won't be waiting for a strike two or three. They have just lost a customer today."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6bedb8eb632847489203fbde982e9f66
encoding: FLOAT32
metadata:
{"chroma:document": "I've started to take notice that TD Bank have very long hold on deposits. On several occasions the debtors' account has been cleared. I personal called the debtors to find out what is taken the checks so long to clear, they told me, \"It's your bank.\" I have accounts at Capital One and Chase. Most of the time the hold time is about 24hrs. To further test my suspicion, I deposited one of my own personal checks from another bank into my TD bank account and just what I thought 7 days hold time. Oh, don't mentioned there's fee for everything. I will write another review on that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3bfa10b9552444139eb5c71b977c3f37
encoding: FLOAT32
metadata:
{"chroma:document": "I had requested for credit limit increase on my credit card and they took all my information and never get backed to me. Also, it will take hours and hours to connect to customer service. Worst service and worst bank I ever had in my life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 941823f7e13a428893612a5fa14d10d1
encoding: FLOAT32
metadata:
{"chroma:document": "TD is scamming people from their money. They literally in a matter of seconds removed money from my account and had the nerve to tell me I was delusional when I called. That I did my math wrong. They are also rearranging everyone's transactions when you use a debit card. They move the transactions around so they can hit you with an overdraft fee. I am putting together all proof to show to a lawyer. TD you are toast."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf17e0e01e6047fa89e8f44314767420
encoding: FLOAT32
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{"chroma:document": "Opened up two accounts in my name with my address and sent me bank statements and overdraft fees and a card that was not even activated.. I never heard of them.. They will not admit the scam or close accounts .. I have filed with BBB, FBI, FTC, and CFPB.. Fraud department tried to belittle me and convince me someone stole my identity which is a lie\u2026 They have been running this scam on thousands of people even though they paid millions recently in that class action suit.. Do not under any circumstances use this bank.. Whoever they are!! I would never ever trust them with my money.. They open up illegal credit cards, bank accounts, steal money from open accounts, check out their Facebook page .. Hundreds of people begging for help for the fraud.. This company is garbage and these locations need to be closed permanently\u2026I will not be silenced.. You tried to scam the wrong one."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56cf7df936e44787858371cc52e451e8
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is very weird ... They claim they want to make things easy but instead do the opposite. All procedures were followed to get a promotion for opening a new account. After g the bonus into the account was never received after a reasonable time, I called. First do not go to the bank because the bank staff has no clue about the online promotions ... but they may have their own, which the customer service online do not know anything about. I called and they first said I need to have a recurring direct deposit ... FALSE ..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9251d342b0e245158a9bf236fb644015
encoding: FLOAT32
metadata:
{"chroma:document": "Every time I go to the TD bank on Huguenot SI New York they always have a problem. I come here for work to hand in deposits. They are always nasty, huffing and puffing and complaining about me. They drag my visit longer than it has to be and just keep complaining over and over. If I didn\u2019t have to come here for work I would never come here."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d16eaa6fd0fa4fb691b949d408f5334f
encoding: FLOAT32
metadata:
{"chroma:document": "Terrible bank and credit card to work with! 2 hour wait time on customer service, no one in their customer service is property trained and they send you goose chasing. Rude and unprofessional members. Constant hold and block on cards with no reason. No resolution or care to resolve customer complaints. Stay away from this bank. Terrible, terrible bank and credit card to work with"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38e287dd9aa44d3082a1956602ae5b82
encoding: FLOAT32
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{"chroma:document": "Td refuse to admit to their mistakes. Again the big companies such as this bank has no regards for a small acting studio. Very frustrating to deal with. Even though I had asked them to look into and let me know why I was not getting my monthly statements They kept promising they will look into it. Kept on getting phone calls. Asking me to pay overdue payments. But no one could tell me why I was not getting my statements. Customer service is 0 out of 10. Very very poor."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e0ac6653b524e11b904f354d9a3d857
encoding: FLOAT32
metadata:
{"chroma:document": "I used my debit card at a local Goodwill to buy goods to resell online- I go everyday.. well for the month of Feb goodwill sent the credits through on my card but did not create the corresponding transaction causing the pending amount to drop off my account after 3 days. Like any normal person I assumed the transaction was complete but a month later goodwill sends through almost 20 transactions within seconds of one another- instead of freezing my account/card the bank allows them to continue to send thru transactions. Part of me understands that if I initiated the transaction of course I should pay but the other part looks at the integrity of both companies for allowing this type of behavior to happen. Highly questionable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb19f0810fd04254b7611d04a183b177
encoding: FLOAT32
metadata:
{"chroma:document": "Stay away from this bank!!! I have a credit card, not sure if this is the same place but they have the same logo, this review is for TD Bank. I've been on hold for over 115 minutes, waiting to speak to the 4th person in this call. Finally the 4th person answers and now they apparently can't hear me. There is nothing wrong with my phone. The 3rd person even admitted they are having difficulties with their phones. Since he cannot hear me he hangs up, wow! They changed my address to an old address and they have so far not allowed me to change it back. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01613674304147799df4ba346d3f9558
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank aids scammers and allows fraudulent chargebacks. I\u2019m a small business owner, a TD Bank cardholder purchased nearly $600 of product from my online website then reported to TD Bank that they never received the package. Despite numerous pieces of evidence provided by myself and UPS that the package was shipped and delivered, TD Bank granted the scammer her money back. I\u2019ve wasted countless hours on the phone and via email trying to sort this out. TD refuses to acknowledge their mistake or overturn the decision. Over the phone, I\u2019ve been hung up on, bounced around from one incompetent person to another and refused to be allowed to speak to a manager. Via email, finally was told I\u2019d get my money back, just to have someone else jump in and tell me otherwise. TD is the most disorganized, unprofessional excuse for a bank that I\u2019ve ever had the displeasure of doing business with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 811d18132b6740338f7e079477c6620d
encoding: FLOAT32
metadata:
{"chroma:document": "Had problem with credit card payment. Spoke to them, said go online, thought was corrected, now they change website, so have to call. No one answers, do not trust this company. I would not use this company if you have other options."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e77cbfa7a7534382a1674ddbf4477ce9
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{"chroma:document": "If you are looking to open a bank account DO NOT COME TO TD! Business account: I have been banking with them since 2916 for my business and I tell you they have no customer service for business. After 6 years of a good standing account and no NSF's I have never received a increase in credit limit, any form of outreach to help me expand my business. They are truly one of the worst banks in Canada and I don't know how they are in business. They must have paid a lot of people in politics to stay as a legitimate bank. Customer service is horrible, prepare to stay in the line for 45 mins to an hour on any given day. Personal: They linked my personal and business together claiming it helps with the credit building but that's all **. I have never received any kind of credit increase from them, and the tellers are very disrespectful. If you have questions they don't want to answer. STAY AWAY!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8c0a1e5f34734e09969caee82d092bf4
encoding: FLOAT32
metadata:
{"chroma:document": "Updated on 03/22/2022: Called customer service and found out that the bank is allowed by federal law to put 6 business day holds on deposits to your bank account at ANY MOMENT during your business with TD. I was originally told by the bank branch manager it was only 6 months but customer service confirmed it was not true and they can do this at any time to verify a deposit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6988dd93e3c046a5b7102dccc74f4343
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{"chroma:document": "Location: West Springfield, Ma. Riverdale Shops. Riverdale street. Time: 1:20 PM - 1:30 PM. The bank teller (Young Girl) black hair, had absolutely no personality whatsoever..! She projected to me like she could care less about her job, and her customers as well.! Maybe sitting on her butt all day, with the lack of physical exercise and lack of ambitions, proper education, structure, and discipline, I guess this how these young people today are raised..!! It's a pity that these young kids today are the future of your country..!! ; ("}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91f6e04b17614ff7b0c22900af08b127
encoding: FLOAT32
metadata:
{"chroma:document": "I made a claim of fraud, I call them everyday no customer service no protection and they did not return my money back. They said they will take 30 days for investigation and nothing. I am frustrated and worse experience of banking with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 31977d62944244a2bbfc57b6f7621b84
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{"chroma:document": "I have never experienced this kind of dysfunctionality with TD bank in Canada. I tried to reach them and establish a cash management service, basically enrol with the service of the Bank. I probably speak to half dozen members. Nothing happens for 4 months. Terrible experience. Contacting the branch, they told to contact the toll free number. Send email and did follow up. Probably spend 50 hours. nothing, nothing...frustrated. Never help you out anyway. Terrible experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa43460a13cb44968c66be406e4372f8
encoding: FLOAT32
metadata:
{"chroma:document": "Overall TD has been reasonably good service wise but their policy of only allowing $100 of a Check to count toward A checking balance when I have over 20K in My linked savings account is a Joke; As I understand this is an overall One size fits All Policy but shows no Respect for longstanding Customers like Myself; Have to watch their service fees as well!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae16419a6f674cbbaefc940323e1c12b
encoding: FLOAT32
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{"chroma:document": "There was Fraud on my account. Someone(s) Zelle themselves money from my account in the midst of making several purchases in other states but TD accused me of it and requiring I pay TD Bank the money that was stolen out of my account. TD Bank also submitted the money they want me to pay them on my credit report. I was also threatened by TD Bank that they have evidence I was a part of the fraud. However, that is impossible because I did not participate in any Fraud on my account. At the time this occurred, I was two weeks postpartum on an unpaid maternity leave and the fraud depleted me of my savings. I am finally seeking legal counsel. TD Bank has proven to be unsecure for my money and unhelpful when clear there is fraud on the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1d49718207f4822a35219e0e58ca920
encoding: FLOAT32
metadata:
{"chroma:document": "Unbelievably poor service from long wait times on the phone. I have been a customer of TD for many years and over the last 5 years the wait time is beyond crazy. They keep saying they will fix it, but this service continues to get worse. Expect 1 -3 hour waiting times. This demonstrates a complete lack of respect or concern for their customer and the business that the customer chooses to bring this bank. Right across the board, this happens if you want to trade, ask general account questions or if you want to renew a credit card. I would recommend going to another bank, I am."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 36facb2fb2c748e683f09239cac9e337
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{"chroma:document": "My loan was to have have bills paid off. Per their approval for me to receive my loan. I was told they would be paid on 1/252022. They took almost a month to be paid and to this date of 2/22/22 one still has not been. Their excuse has been they sent checks and did not know where they went and are waiting to see if they get them back. I have been harassed by the vendors for payment. I also have been charged interest not only from the vendors but them also."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5e0b9c6557e54ecab2beeaa61dbfd733
encoding: FLOAT32
metadata:
{"chroma:document": "They say we waited too long but the card is dated 06/28. Do not get a gift card from TD Bank. They will steal your money! If they don't care about a Downs child then they don't care about anyone! Beware of TD bank! Don't GET ROBBED!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98b6951271094956b49090f97eaecc2e
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank has given me the worst experience I've EVER had banking. I signed up for a new account with TD bank where seemingly everything was fine. Apparently, it was not fine, they locked my account without EVER telling me they locked my account. I found out when I realized I never got my paycheck. I called them where they told me my account was locked and to unlock it I needed to go to a branch to fix it. The closest branch was 3.5 hours away. When I told them that they said they would submit a \"form\" for me... What is a form? They said the form can help me to MAYBE challenge the locked account.... okay? How long would this take? They had no idea. I still haven't gotten my money back. Tried to log in to my account and for some reason I can't. I need to call them. I'm soooo exhausted of my dealings with this bank and its been maybe 2 weeks since I had it. The worst customer service and most unknowledgeable reps in existence."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a5a5a13df0b4e3a8e51698245b8c0aa
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metadata:
{"chroma:document": "My TD Bank Visa kept getting rejected for no apparent reason. I called customer service and asked why. A CS rep wanted to verify my identity by sending me a text message. I gave him 5 different phone numbers of which he accepted 0 because, he claimed, my account was less than 60-day old."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9244264e5bdc4319b288f8c099406b14
encoding: FLOAT32
metadata:
{"chroma:document": "TD blocks access to online investment options when investor profile isn\u2019t updated. After trying to call them multiple times and holding the line for more than an hour each time, no one answers the call. So I can neither update my profile as no one answers the phone nor can I do my investments online. Their service is just atrocious."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8938082da05a42c68e4cfbb27e986ef1
encoding: FLOAT32
metadata:
{"chroma:document": "This bank acts like kids. They don't do something and when you complain, they LIE. I am not joking, they lie, and that is also a manager. Now in 3-months, I am trying written response and no one wants to give one. I think they can't find someone mature enough to give a response. Then these kids know that there is nothing anyone can do. Big and powerful. Just to respond to a concern, they don't want to after they have found that their manager lied. Office of the President started to listen and the person went on maternity leave and the bank that makes billion has no one to take over the concern. Keep it up TD Millbourne Mall, Edmonton, Alberta."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af6799858bb64f1c8780214003822c50
encoding: FLOAT32
metadata:
{"chroma:document": "This Bank has to have the worst customer service ever. I have bank with TD for 29 years and I can't even call the branch to speak with an advisor. I have tried to open a direct investing account and had to go in person twice and sign remotely because they overlooked signatures!!!!! Now, 2 weeks later and my account is not open and I can't find anyone to speak with. 27 minutes I was on hold last Friday and 23 minutes today. HORRIBLE. Will never use them for anything but a mortgage, and that may even change."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe5d26d42b0c4bc49621bb37d94b0b4c
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{"chroma:document": "I want to share my recent poor experience at TD Branch (Crowfoot, Calgary location) last January 4, 2022. We went there to pay lump sum payment to close our mortgage. It was supposed to be a milestone and an exciting experience for us. Instead, the opposite is true. Prior to closing our mortgage, the TD Mortgage hotline assured us that we won't be penalized for closing our mortgage early since our closing amount would be below the prepayment allowable limit. Surprisingly, we were penalized and therefore had to disappointedly write the cheque for this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fec30e80b61c44bfa0aec2870c2a3692
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metadata:
{"chroma:document": "Every time I try to access any registered funds it is a multi-week effort with hours spent on hold, even pre-pandemic. Right now I have been trying for 6 weeks to make a withdrawal from the kids RESP so they can pay their tuition. I was told that all the forms were in order and it would be 3 days to process... Here we are, 6 weeks later and as usual I am waiting on hold (so far over 140 minutes...). This happens almost every time I try to use the RESP funds. TD Bank - hello? It's my money and i would really like to get access to it!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38301d6949184715a973e97525803321
encoding: FLOAT32
metadata:
{"chroma:document": "On Dec 9th a $569 debit was charged to my personal checking account that I did not recognized. Contacting TD telephone line and explaining to them that I've never given authorization to the particular merchant to withdraw any funds from my account. TD's answer was that they have no way of knowing or checking if I actually did or didn't give the authorization and all I can do is dispute the charge. This is a real concern because it means that anybody and everybody can use my account and process a payment without any inbuilt audit on TD's part. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c1a5aebae874bcab49592ff6bdd828b
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metadata:
{"chroma:document": "Deposited a government check, put on hold, they told me it would take 6 business days to clear. What kind of a bank is this. Very dissatisfied customer. Called customer service, put you on hold for 20 minutes. No one would help.."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 406bbec8344c4eea91ab4ec34574c904
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{"chroma:document": "Currently my TD Savings account pays interest 0.01% annually and is very restrictive. PC Simplii Chequing account pays interest 0.05% annually and the only restriction is, it must be a personal account. In my opinion, this is a disgustingly blatant rip off. How is it that a chequing account pays 5 times the interest than a savings account??!! I have accounts with both and each month I now transfer ALL but $100 from my TD Savings to my PC Simplii Chequing. I do however like my TD self directed RIF investment account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fdc217aee14f4caa9aba5fd5c134903b
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{"chroma:document": "Grew up with CU's. stayed with them for over 35 years. After I moved around for work a bit they would not talk to me. A wonderful lady at TD was shocked at this shabby treatment and set me up with an account right away. It's been over 10 years now and this bank - every branch - every representative, has treated me like family. I am an incredibly small account and they make me feel welcome and well advised at all times. I am slowly getting my financial life into a useful place and I trust TD to get me there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 222ed29eedba4787a78ebe3ba84bd573
encoding: FLOAT32
metadata:
{"chroma:document": "Deposited a check for 5,000 USD in my TD Bank account. Check is from Bank of America. They took the money from my BofA account and then, they tell me that the deposit is \u201con hold\u201d for 6 days. Did the same with RBC and check was for double the amount and I had the money available in less than 24 hours. TD Bank, I have been a client for more than 10 years. What a disappointment. Closing all my accounts with TD Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2068682e23964f8bac67a3e3fcbbb158
encoding: FLOAT32
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{"chroma:document": "This is the 3rd time I have been given one of their gift cards and it is closed. They are one of the very few bank cards these days that still charge monthly inactivity fees. Don't waste your time or money buying these cards. There are many others that once the cards are purchase, they do not charge any additional fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea539a13d9b140628948e1da78efe8f0
encoding: FLOAT32
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{"chroma:document": "TD Bank sent a promo to get me to sign up: \"Earn $300: Open a new TD Beyond Checking account and have $2500 indirect deposit within 60 days. Checking offer is available to a new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria.\" I did not have a personal checking account. I did have a credit card, and apparently for them, credit card = checking account. I called customer support to complain. They are \"customer facing\". The judge and jury are not like that. They make their rulings and never bother to tell me the result. After 4 calls, expect a big bank to behave like a big bank: to keep their bonus, go back on their word, and all I get to do is lodge this complain on the web."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85dfcc43de564fb9bf15fd7188d18b79
encoding: FLOAT32
metadata:
{"chroma:document": "I had called to inquired about removing something from my account that was hindering me every month. Nazam from Toronto department was understand, kind and informative. I really appreciate all the help he was able to help me with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2367db424c2744b2b10d9e8548030e46
encoding: FLOAT32
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{"chroma:document": "My sister has submitted the PD when she was going away from Canada so I was able to help her to manage the account. We just found out someone mad a purchase on her credit card. It took me almost 2 hours to get whole of them. I have provided all my identifications to identify myself as her PD. The phone call was translated several times to different person and they could not do a forgery claim on her file. I told the lady the reason why i was her PD, the international calls cost more than the forgery claim. After I complained about it, they hesitated to give me the direct number to call for her claim. I do not understand why TD did not understand what PD stands for. How able people do lose capacity and are unable to claim for themselves? Their services are ridiculous. I started switching my business to another bank now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d670c7ca47cb42e98ba3e85e3e0ff98b
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{"chroma:document": "I received a promotional offer of $300 to open a new personal checking account around April of 2020. The requirement was to have a direct deposit and a balance of $2500 within 90 days which I complied with all. After the 90 days, I noticed that the fund was not into the account, I called the bank and the customer service told me that I had to wait for another 30 days. The 120 days passed without any response, I called and the customer service took the note for a manager to reply and no one ever did. I emailed several times, and each response was different. The last person I spoke to told me that the reason why I did not get the bonus was because I opened the account online, while the promotion was for local branch which was not true because I received a code that I had to enter to verify the account. Now, I am stuck with a personal account that requires a minimum balance of $2500 with a direct deposit in order to avoid monthly fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81b570974a3f49dbbd0323843c1e84d6
encoding: FLOAT32
metadata:
{"chroma:document": "The investigation team will always favor Amazon, and other companies, not you however you prove otherwise. I am so glad I close my account in the place. They have the awful customer service. The always will favor the companies. Don't go to this place."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63feb0cbc74f43a8944d94c4a44ff2bf
encoding: FLOAT32
metadata:
{"chroma:document": "I don't recommend anyone to open account in here. They never pick customer service call, longest wait times. Illiterate customer service representative. Please try RBC or any other bank. They will keep you wait forever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3418f8142fc54c04a4f41e1c065f85fc
encoding: FLOAT32
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{"chroma:document": "I have not been a customer of TD bank in over a decade as I moved to a different part of the country. Somehow, my identity was stolen from their database last month. This was violating and disruptive to my busy life. They have awful customer service and no support for victims of identity theft. I waited on hold for an hour and a half, told there was no update to my case and no further information that could be provided. There was no timeframe when they could provide an update, no system for tracking or communicating resolutions or updates. The experience with their customer service and the level of attention and concern to victims of their own database breach is absolutely deplorable. I would advise never doing business with this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 069f7d08b1fc477298b742717cd93eaf
encoding: FLOAT32
metadata:
{"chroma:document": "I went into TD bank to withdraw $9000.00 and was told that they had to do a car to the IRS even though the law is 10,000.00 and I've had 30 years of business banking with TD bank with large direct deposits and have not taken out large amounts of money. With no cash deposits, I felt really pissed that I should get any flag on my SS# for something that I'm entitled to. So I went back into the bank and found out they weren't treating me **, they treat all their business accounts ** by having a limit to report of 8000.00 dollars. So who are they going above and beyond for? Me or someone else. You judge."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 04db3feffb1e4a6b9b82add9dbd692c1
encoding: FLOAT32
metadata:
{"chroma:document": "I called TD Bank customer service to increase my daily debit limit and automatic system verified my identity after taking like 17 minute and system put me on hold for around 20 minute and customer service came and she start verifying me. Asking me all the questions my name, my address, company name, bank account transactions even though she texted me on my cell phone that code and after all that she spent 45 minutes and told me I am not verified, I mean really this is so ridiculous. This TD the crap bank the worst bank in my life. I never ever go back to them and I\u2019m going to close all my accounts because this is too much. It\u2019s so annoying, so ridiculous and shame on TD Bank. What they\u2019re doing to their business customer giving them a hard time for no reason after even verified all the identity. This is ridiculous. Shame on TD Bank and go to hell TD Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eac5df46aed84174a430e9edd56fa331
encoding: FLOAT32
metadata:
{"chroma:document": "Ismail ** from Parsippany NJ branch was an excellent Store Manager and assisted us with our needs ASAP and with full efficiency. Service given within no time wasting and 100% efforts are put in. Very dedicated staff member. Great Job- Thank You Mr. Ismail"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1cd2f0fa8704426ac85e7010f41c6cb
encoding: FLOAT32
metadata:
{"chroma:document": "I initiated a claim for $16,000 dollars on my business account on July 23rd, a few days later I cancelled the claim as we realized that the charges were valid. TD bank said they could not cancel the claim and to deal with the merchant. The funds were taken out of the merchant's account and I then paid the merchant $16,000 dollars in the form of a wire transfer. TD Bank was supposed to credit my account back by August 28th as they have the funds from the merchant. We can\u2019t get an answer from the claims department and customer service or the branch are unable to help. We need our money credited to our account ASAP as we have now essentially paid the merchant twice. The lack of communication is unacceptable and needs to be fixed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73f9e10c0fb54050a445ef62fd0e3149
encoding: FLOAT32
metadata:
{"chroma:document": "I have had an ongoing situation with this bank since Feb 2021 when my account was hacked and $900 was withdrawn from my account. The bank kept insisting I authorized the transaction which I did not. I only got a review after multiple attempts to contact the bank. Nobody ever called me to ask for my version of the story. I only got partial resolution after filing a claim the Federal Consumer Protection Bureau. I had this account for over 30 years. I have closed it and will continue to post bad reviews for this bank until I get a resolution to the situation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 313213af13cc44848cad76b8a2be698c
encoding: FLOAT32
metadata:
{"chroma:document": "TD Mortgage Centre renewed my mortgage wrongly without my permission in May 2021. I have been calling TD branch every week since then. They replied me that it is mortgage centre's glitch and they will fix it. I have been waiting from week to week and month to month, TD mortgage centre still charge me wrongly. They made me suffering by the mistake they made! It is an absurd experience to deal with TD Mortgage with their poor service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 96bf854fa64e441ba9f182e1d10773b4
encoding: FLOAT32
metadata:
{"chroma:document": "I was considering TD Bank one of the biggest banks in US, till I realized that TD Bank has limited licenses for many activities. Never use TD Bank for an international transaction or to transfer money to another country. The exchange rates of this bank are astronomical and they even don't disclose to you that they are using third party for it. They charged me more than 5% for the exchange transaction plus $50 wire fees. You can transfer for less than 1% with any other banks and the wire transfer fees could be low as $15. I would never recommend TD Bank to anybody."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 072d195114ee475f9a68de14136572e2
encoding: FLOAT32
metadata:
{"chroma:document": "This bank does NOT require in person identification to open an account and someone opened an account online in my name. I came home to an open checking account and bank card? What kind of bank does that? Any joe schmoe can just use someone's identity to get what they want over the internet if banks are going to make it that easy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 172d933b16d24dfa86bb22f5080cff67
encoding: FLOAT32
metadata:
{"chroma:document": "My paychecks are drawn off of TD Bank. However they still CHARGE $10 to cash a payroll check. I decided to open an account without the option of over draft. Well guess what they still charge for that as well!! It\u2019s like TD Bank has the most astronomical fees out there and it is not fair that someone should NOT have control over THEIR account. They actually WANT to charge people so that they can continue to make millions of dollars off of people a year!! It\u2019s an absolute disgrace!! I do not recommend this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 71e9f6016fd042b7a1c9920e168d075f
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank Supervisor HUNG UP on me when I was requesting info and wanted a credit and location of their bank. DO NOT DEAL with these SCAMMERS! Close accounts! WORST BANK I've dealt with. Been customer for 20 years! Charged excessive fees for just ATM balance inquiries!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22163fa114664679889d19570178517a
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metadata:
{"chroma:document": "I had over $60,000 in identity theft with fraudulent signatures on my Commerce Bank Checks. I had the authorities involved, 3 police departments and the Burlington County Courthouse. The representative that I met with at TD Bank didn't want to speak to the authorities to validate my loss, but instead, said that they would do their own investigation. I will not disclose the person I met with, but at that point, I knew that TD Bank was not going to help me. While the theft was occurring Commerce changed over to TD Bank. The person that committed those crimes went to jail, but I got no restitution. This TD bank is not for the consumer, only for themselves to make sure they don't lose a dime of their money. I will never bank or recommend TD Bank to anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4bc02997e1414d63830ca062c6c4c715
encoding: FLOAT32
metadata:
{"chroma:document": "I was stuck in a ditch in another city with a hold on my mobile deposit, when I called I was told that I\u2019m not eligible for my money, another day another rep told me that it\u2019s a daily update that allows them to make releases, when I asked what changed from this week and a week ago when I had to call for the same thing and it was approved, the answer I basically got was because, \"Legally we can hold it so we say so\u2026.\" FYI people. TD can deny without cause, and leave you stranded in a ditch, literally. And if you ever get Chrissy or Conner better to just hang up and save the embarrassment of them talking to you like you stole your own money. Oh and another interesting fact, I\u2019ve been receiving both mobile and direct deposits for months regularly, so why would they say they now need to verify my employers again??? No one should feel like a criminal for their own money. Just saying.... shady business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6561df93e3c442b6832a1ecb82894e5c
encoding: FLOAT32
metadata:
{"chroma:document": "They had one person help people. Waiting over 2 hours. They had one lady helping out for customers. She didn\u2019t know what they were doing. A man didn\u2019t sign in and they allowed all these people who clearly came after him to go ahead of him."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a226153d834e4063a40de209df89d779
encoding: FLOAT32
metadata:
{"chroma:document": "I have had possibly the worst customer service experience with this TD Bank card. I recently moved from Philadelphia to Rochester and transferred my address. TD Credit card responded by freezing my card until I could verify my identity. They did not notify me of this; my card was simply declined 7 days after I had moved. I called TD credit card customer service, who provided me with an actual address for a TD bank location in Rochester... which closed five years ago. I then called back, and was told I had to verify my identity with 2 forms of ID. I was told to fax them over to a number (the supervisor, Preston, was unsure which ID would fit that requirement, however). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d82e43165f34d2597eebaee8f18e65c
encoding: FLOAT32
metadata:
{"chroma:document": "Filled out the info requested, which was at the tip of my fingers and got the loan on-time. Moreover, questions were very easy to understand and the representative followed up as was expected. Thank you very much."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f989ea96d0d4ae7a07408f150053508
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a TD bank customer for years. Had checking, saving and credit card with them. I got an alert from my credit that there was a closed account on my Credit card. I called and they stated I haven't used my card in a while so they closed it. This Credit Card was one of my longest cards I have that helped my credit. Now my credit is in bad shape due to TD shutting my card for no reason. They even declined me for a new card because the length of time with cards. Well thank you TD. I just left the TD Bank with all my money. I closed every account I had with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb3015b14dda455b97874f639128842f
encoding: FLOAT32
metadata:
{"chroma:document": "Please beware TD fit loan are 100% profiling customers. I feel horrible having to write this but it happened. Customer service the worst I've experience. I hope no one has to go through what I had to. I was laughed at and called names. All I was doing is asking for an explanation why they were so rude about the situation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe09bdcb961547e0932d11672614e1b7
encoding: FLOAT32
metadata:
{"chroma:document": "Do not put your hard earned money into this bank or suffer fees upon fees upon fees. I use to think Bank of America was bad and left for TD, but soon realized that TD is worse. If they don't get enough interest from your balance, they make up for it in fees. Fees for 'MAINTENANCE FEE ' as they say, among others. I guess the computer system needed a raise to do its automated work. Or maybe it goes to an employee for having to press a button now and then. TD Bank is late on postings and deposits, as well. Save yourself a lot of agony and put your money into a credit union or just keep it in your mattress."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bbd57667ef244df38f2109d6f9b5a0e3
encoding: FLOAT32
metadata:
{"chroma:document": "Due to TD overprotective automated anti-fraud measure, my trip to my home-country turned into stressful and frustrating experience. Upon arrival my card was locked. I couldn\u2019t reach customer service by phone because it seems like mission impossible from here. When I used e-mail, I only received a dry official response with phone numbers again which was a dead end for me. Contacting via messenger was a little more successful. I am very grateful to the person who assisted me for the first time, she went out of her way making sure TD manager call me back to my local phone number, and they did and my card was finally unblocked but only for 2 weeks, and my vacation is more than two weeks. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d6d38071a6c4c55b8b0a9422f2ddeec
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank\u2019s Mortgage Department has the most unprofessional Underwriters. Their Underwriters are unorganized and are very poor at managing the information they collect. They repeatedly lost submissions and require multiple copies. They are not responsive and very poor communicators. I was very disappointed and wrote to the Office of the Chairman who requested their Underwriters to \u201cre-engage\u201d only to again ask for copies of previously submitted documents. I was told from one of their Mortgage Brokers that they are unorganized, poorly trained and have high turnover. Watch out and I highly recommend that you go elsewhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e7cfbdea8ef44de1a5738c66cdbe0134
encoding: FLOAT32
metadata:
{"chroma:document": "I called TD for help with my TD visa. They asked me 2 questions, I answered both yet they said that they were unable to verify me after that and that I had to download their mobile app to be verified that way. I said to the agent that I had access to my PC online banking but she said that that was not sufficient. Seriously!?!? TD can't verify my identity if I can answer any of their questions to do with my banking. Instead they literally FORCE ME to download their mobile app and jump through nonsensical hoops just to ask a question. Well, I am cancelling all my credit cards with TD and move all my investments to one of the other Canadian banks. So well done TD, you just lost yourself another customer for no good reason at all. This is not a matter of security, this is TD forcing me to use their app. Whoever is in charge of that marketing scheme should be fired."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 32021c5a705c439d9230c0e189653504
encoding: FLOAT32
metadata:
{"chroma:document": "Their system is outdated with no live update on the phone compared to Chase, their overdraft fees is ridiculous and abusive. There nothing good about this bank other than than their TD Ameritrade. Really horrible and desperate to charge you any fee possible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 054929ae28b447a386d7bc2f334f081f
encoding: FLOAT32
metadata:
{"chroma:document": "After the abysmal experience I had with TD's fraud prevention, I feel obligated to warn others. I had my checking and savings accounts with TD for 3 years with no issues--the online banking and long office hours were convenient, and I never encountered any issues. So if no one steals your card number, TD is totally fine. But I personally will not be taking that chance again. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 03870ae6ebff474ca92acc8e9a6675fe
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with this bank has been consistently terrible and it ended with being sued for 1400. They accepted my minimum payments but I guess the money was not acceptable after the pandemic started. So instead of placing the account in normal collections where I could ask for a settlement and pay it off. They decided to sue in court, taking valuable time, money and resources away from taxpayers. I should have read other consumer reviews before dealing with this company. My mistake, do not let it be yours. If you are a veteran, do not deal with this company. They have billions of dollars in revenue but they will still squeeze a dime out of someone who has honorably served their country."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a011e817de142648783ba164221c389
encoding: FLOAT32
metadata:
{"chroma:document": "The TD BANK does not act in accordance with privacy laws. They are known to hold private meetings with a client with their doors wide open and speak loudly so other clients may listen. There are many inaccuracies in their statements. The bank tellers are inexperienced with little or no wisdom in client management which makes them uninformed and rigid, albeit well-intended."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81dfbaaf88ee48f9b92f196ca2e05166
encoding: FLOAT32
metadata:
{"chroma:document": "This Bank is supporting scammers. User of their bank 3D verified transaction, we shipped product for over 800 USD. User told that product was wrong, which was a lie, we presented evidence and bank decided user won dispute. We lost 800 USD product and the money. We suspect card was stolen, and user used misleading reason to win the dispute. How this bank allowed that. That is a crime!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80f392fbb7c94e428f767181387757d7
encoding: FLOAT32
metadata:
{"chroma:document": "My cousin and I went to TD bank for the first time in Feasterville, Buck County and we went in to meet the person in charge. My cousin explains our situation and want to open a joint account. He said, No problem. He took care of all the things need to open the account. Beautiful job he did with us. We highly recommend this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18fdbe6f542e4d148ebb0a17a07e5b5f
encoding: FLOAT32
metadata:
{"chroma:document": "After a representative made a mistake verifying my account I have been told by TD that the only way I can have access to my money is by flying to Canada (I am based on the UK), stay in a quarantine hotel and verify my ID in a branch; all in the middle of a pandemic. I understand that they are trying to make sure that it\u2019s secure, but how about a virtual verification system."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c65654ef39e8496b988e58cf22bf7b46
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a business checking account shortly after TD bank opened in NJ. I was drawn to TD because of their hours of operation. I now know it was a mistake. TD constantly finds ways to interfere with me and my business. The online deposit software rejects handwritten checks that WF easily accepts. It is difficult, if not impossible to transfer funds. Recently TD invoked two step verification to sign on, without my permission or knowledge. I had cancelled my landline, but couldn\u2019t sign on to update my settings. It took two separate trips to my local branch to get this straight. Lastly, I tried to transfer funds, online, yo my checking at WF. I received a confirmation email from TD that the transfer had been made. Later, I received an email stating the transfer was cancelled due to a lack of account number. Stay away from TD!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cfe285a214754bf6b564939a86669e7a
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank cancelled my 2.75% fixed rate loan 3 days before the closing and said that they could only offer me a 3% loan. They didn't want to give me this rate because rates were rising quickly. I had no choice. The senior bank executive promised me some restitution including money back at closing as none of this was my fault. They blamed Fannie and Freddie. Not only did they not do this, they did not return multiple phone calls, texts or e-mails after the closing. The experience BEFORE this was also atrocious. It was by far and away the most difficult, gut wrenching experience that I have ever had with any vendor (spans over 50 years). I wouldn't recommend TD bank to my worst enemy. I have subsequently heard many people in the real estate industry say similar things about the horrible service you get from TD bank. Use them at your own peril."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0c4370d7eb0485e8dafdea3789bac35
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{"chroma:document": "I have CIBC, TD and Meridian. My experience with CIBC is flawless with chequings, online banking and mortgages. Requesting basic information from CIBC -> Minutes to get response. Requesting this basic info from TD -> Hours and moved through 6 different people. This is TD in Winnipeg and Saskatchewan that I am evaluating. It needs to step up the game significantly. Also my accounts are not even LINKED together."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b32c6199fc6a408095cb793e25fde8c0
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with TD for 15 years, I've had a handful of bad experiences with them, including a time when they took over $100 from my account without an explanation and only reimbursed $70, claiming they were doing so out of courtesy. I was planning on switching banks but when a Doordash employee committed fraud with my card, they caught it and blocked my card... So I decided to stay but a few months ago, I was scammed by a seller. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ff01ebcf21e43889664ff5bca295ffd
encoding: FLOAT32
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{"chroma:document": "I just need to vent about how awful this bank is. I don't advise traveling with TD Bank because your card will be declined a lot and you'll get stuck in situations that are scary. In fact don't even open an account with them. This is coming from someone who has a credit card and debit card with them. Even going to an ATM to have cash on hand, you will get blocked. There were so many close calls for me missing work, missing my flights, going hungry. When you call they insinuate that you're lying and that your card is \"active and ready to use\". Then when you go through these long drawn verification processes they still don't know why you're being blocked. They have to investigate and it takes days to do so. By far the worst bank I've ever had the displeasure of banking with. I'm happy to say that I'm closing all my accounts with TD Bank today. Rant Over."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 258c91756cc1403d895adaa8215f3cc1
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{"chroma:document": "Not a very free flowing, user friendly process no matter what function you try to perform. Even basic functions seem to have quirks regardless of how (irritating) small, and when I write to express a concern, the response is usually a rather auto-generic one even if it's sent by a human. It's time to move on to another bank that actually cares!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 82fc30b1b04c45f1bec4f1ba55a27a17
encoding: FLOAT32
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{"chroma:document": "I have had fraud on my account 3 times!! March 16 was the worst!! The worst customer service ever!! We were sent a email to congratulating me on my new account in a text!!! We never did such a thing!! It's been a living nightmare!!! We have been on the phone since March 17 and to the bank!! Treated like we were the criminals! Went there today March 30 after getting protection for everything!! Went online. The amount of money incorrect was very upsetting!! Went back to the Wantagh branch. Spoke to Vice president store manager. Rude, nasty, no compassion!! I told him I leaving this bank. Like a big shot he told me, \"You want me to write you a check!!!\" I getting out of there as fast as I can!! Stay away unless you like fraud!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 056a2e35889e4b4893678b94c755d452
encoding: FLOAT32
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{"chroma:document": "I was personally a customer for many years, but after they totally messed up a funds transfer in 2015, I closed my own accounts. My parents kept their accounts and when they passed, I was put through so many hurdles to just get a single checking account working for first my Mom after Dad's death and then, most recently, set up for the estate to pay final bills. The staff seems to be unable to work the internal systems and something always goes wrong."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e0bac186c5ef484f8b7be44105ef572f
encoding: FLOAT32
metadata:
{"chroma:document": "I recently discovered that I have an open TD account, but that I haven't used in 10 years. Someone is now submitting an un authorized debt. I called TD and said disputed the charge but was told that the charge came through PayPal, so they consider it valid. I then asked to close the account out. I was told I'd have to visit a branch in person. There aren't any branches in my current state. Then TD said that I'd accrued overdraft fees from the PayPal transaction. TD said I'd have to pay the fee before the account can be closed. But they won't accept payment over the phone! So, I have no ability to stop the charges from coming through even if I don't authorize the charge. There is no branch to visit and no help over the phone... Certainly NOT convenient!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a12d615594184f808c944f72ac301ffd
encoding: FLOAT32
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{"chroma:document": "If I can give them 0 stars I would. On March 9, 2021 I went into the TD bank branch in Hollywood Florida to open an account. The bank employee Jeanine or Jeannette misspelled my name even though I gave her THREE items with my correct name. Her misspelling my name caused them to put a freeze on my account because the very large government check I asked her to deposit had my correct name. This caused them to flag the check as stolen and froze my account. Now I have to wait 24-48 hours for them to reinstate my account and an extra 7 business days for them to clear my check. This is so inconvenient on so many levels. That is the only money I have until next Friday and now I am without. I have small children and really needed my money. After my check clears I am closing my account and banking elsewhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: adc92cb8933f49ddaca685193c173fb1
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with CANADA TRUST for 30 years. I found TD Canada Trust bank to be a scam. BE AWARE. About two months ago I open a new account using their online process. They scanned my passport, took picture of my face, and approved the opening the new account. I received welcome emails with invitation to start using the new account. As well TD provide me access to my account via EasyWeb. In their welcome email they wrote that within 5 working days I will receive a debit card which NEVER arrived. During the first 2 months I managed to login to EasyWeb with no issue until one day I login failed. Communicating with representatives of the bank via messenger, emails and phones to find out why I cannot login to my account and why I did NOT receive my debit card were useless. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 266295cbd2ae49e3974ced5b0d157421
encoding: FLOAT32
metadata:
{"chroma:document": "This bank will find ways to scam you out of your money. I transferred money from my savings to my checking account. They put it to my visa at the same time I transferred money from my checking account to my visa. They said I must have accidentally put the first transfer to my visa (I did not). Then while talking with them to correct it they told me that it would now be a cash advance which means they are going to charge me huge interest (THEFT!) to put it into the account I originally wanted. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff070c731320464fb8853e8c451508a6
encoding: FLOAT32
metadata:
{"chroma:document": "Every week for the last 6 months I have deposited my weekly payment from the same company But since the last month, TD has frozen each check deposit, check deposits through ATM, where the deposit receipt clearly says that I have X amount until the check clears, they are canceled. 3 times I have contacted the fraud department, explaining that the check comes from the same company, the same amount and the same dates. However his answer is always the same. We don't know why this happens. How can it be that \"not knowing\" is the response of a bank to its client. So you know, if you don't want to go through this problem that can happen at any time, stay away from TD bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0888b9c184374813ad41cfbb42dd0d32
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying to get my Annual Statement for the Mutual Fund for the past two weeks. Called them 8 times. Every time they kept me on-hold for 2 hours and then hung up the phone. At this point I have been on hold for 8 times * 2 hours = 16 hours. Still wasn't able to speak with a representative. I communicated with them via email; they kept copying and pasting the same response instead of providing me a solution. I need my Mutual Fund Statement for my tax purpose, the deadline is looming, but because of TD Investment Service, I cannot complete my Tax file."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 002ef0c55b7e416abfdca205dc7e05f7
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{"chroma:document": "I contacted a TD Bank mortgage loan officer in early October 2020 to refinance my mortgage. He assured me they could close my loan in six weeks. I submitted all requested information on October 9th. I heard nothing for several weeks. My loan officer did not return phone calls. When I finally reached him, all he could tell me was that my loan was in processing. In late November, I began to receive emails from at least three different people in processing asking for various documents, most of which had already been provided. They indicated my closing would take place at the end of December. I wrote an email to the loan officer, the main processor, and both of their supervisors asking for an explanation of why my closing was delayed. I got a snide voicemail from the loan officer saying his boss had told him to call me, so he was calling me. I returned his call two hours later but had to leave a voicemail. I have not heard back from him since."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa4069f30aff4b8fb005f380b992a9d5
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metadata:
{"chroma:document": "They steal your money. The claims department is a joke. I had money stolen from a Nigerian company and the claims department said it was me!! Scam of a bank!! There are better banks out that! Do not use TD Bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6c9942f3b7647a0a4e3a27dabb5b3fe
encoding: FLOAT32
metadata:
{"chroma:document": "I been calling them about some transfer from my RSP account to direct investment account, been waiting on the for 2 hours then they keep telling to wait on the line and hanging up on me, then I keep trying again again. As soon as they answer they will hang up on me. Worse bank is TD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 875fac36285f437799b10aa8edaacc50
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{"chroma:document": "For several year's it's been a tremendous problem for TD Bank to admit they have received my homeowners insurance, as a result they want to charge me 6000. Every year I submit my homeowners. They say They never received it. Tack on 6000 and say we can't fix it. I was hung up on when trying to call their customer service. After depositing my payment they then say they couldn't post it to my account. After waiting in hold for an hour, I was told my account was corrected. But when paying my mortgage the following month only to find out nothing was taken care of as promised. Even though I have receipts that they had received my proof of insurance. I even in the months prior bill mailed in a copy of my insurance with my payment. Now they say, \"Yeah, we shouldn't have charged you but we can't fix it\"??? Stay far away from them. They lie, leave you on hold and are terrible when handling problems they create."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3993172215a24d5293ee302f4cb8cc18
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metadata:
{"chroma:document": "I am selling my home to a buyer using TD Bank for their mortgage. The sales contract was executed in late October with a closing date scheduled for 01/14/2021.  The buyer was approved and received a mortgage commitment. The day we were to close, their underwriting department requested proof of employment ... I repeat, the day we were to close!! Not a week before, but the day of the scheduled close. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1102ba4812344eaa18e8302a7596090
encoding: FLOAT32
metadata:
{"chroma:document": "I was a bank teller years ago and was always very friendly to the customers. I'm assuming it must be a horrible job these days. Often the tellers in the Egg Harbor Twp location on English Creek Avenue are very miserable. Someone needs to advise them they are in a \"customer service\" position. I am a kind and easy person to deal with, so no need for the negative dispositions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d14b26758bd4811a80554621de26df9
encoding: FLOAT32
metadata:
{"chroma:document": "What they do is dishonest, by making up charges, telling you that they will get rid of them, and then changing their minds. Pointing out their mistakes makes them mad. Customer is not right in this bank. What's worse is the feeling that you are not a human but credit to be pilfered through deceit. Avoid them if you can; your balance and emotions will thank you in the long run."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 37344809a64e499ea112c32429d944b0
encoding: FLOAT32
metadata:
{"chroma:document": "I banked with TD for 6 years. The app is not user-friendly and the overdraft fees are crazy. There is only 1 bank in my city and it is located on the other side of town so I relied mostly on online banking. Which logged me out every 5 min so it was hard to get anything done. The customer service was average, it was just hard to get connected with a human and not a FAQ bot. Honestly, it was a hassle to do anything with TD. I opened a credit card with Capital One last year and saw that banking didn't have to be stressful. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1d6837ef59248cb8394c85f851f6eeb
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with TD CANADA TRUST for 20 years. About one year ago they changed. They have become arrogant, dishonest and unhelpful. They treat you as a number not as a person. And they take zero responsibility when they make a mistake."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c18c24514a1645b581fc3164c8c2b1e0
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metadata:
{"chroma:document": "I had a bed financed through Home Inspiration. I owed $5500.00, it was nice that the interest rate was 0% for 72 months or something like that... That was the only good thing. I was informed of who my loan was with and attempted many times to make an online account (make it easy to manage my account). The company locked my account so I could not make an online account, I had to contact and speak to customer service to set up the online account...fair enough. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2be64d3285c940ffbe08aef86152331d
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metadata:
{"chroma:document": "I deposited a 334,500$ check on Jan. 6, 1921 and they told me today, on Jan. 8, 2021, that the money will only be available in 10 business days. I can see in the account where the check was drawn that the amount is debited and no longer available. In essence, they hold my money and pay their dividends with it. This is beyond outrageous and this bank no longer deserves my business. But I have to wait 10 business days before I can close my account. AVOID THIS SCAM ORGANIZATION!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1f088c379eb0415c9ae16ccb98ecef2e
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metadata:
{"chroma:document": "Phone Customer Service waiting times experienced greater than 30 minutes even before the Pandemic. Email assistance is appalling... They answer with scripted messages with lack of sensitivity towards your concern, and proceed to refer you to the branch. Equity line of credit does not have the capability of online statements. They are mailed. I have had a couple of statements lost in the mail. Called to have them only print last 4 numbers of my account on my statements and they indicated it cannot be done. Last call after waiting more than 30 minutes I was told to get a PO BOX at the cost of $30/month. NOT THE PEOPLE'S BANK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4569615d7e640378e757ca9821f3ff9
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{"chroma:document": "I have a TD Visa card which I have had for many years. I login to my account every month using the Firefox browser to pay my bill online. I can no longer access my TD account using the Firefox browser, since they decided not to no longer support this browser. The customer department told me to use Google Chrome. They should not dictate to me which browser I should use. I only charge about $15,000 a year and always pay off my balance, so they do not care if I stop using my TD Visa. They obviously do not care about me a customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1872e95ac2c48ecbc0051db4ed1df20
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metadata:
{"chroma:document": "Extremely inconvenient bank, even when other banks have their lobbies open TD's remain closed, understaffed at the drive through windows, ridiculous wait times in the drive through, can't even get an appointment because the lobby is closed. Corporate office in Delaware has a voicemail, offers to take a message but does not allow you to record a message, just keeps repeating the message that you can leave one although you truly can not, I tried. They have a website you can schedule service with. I've been told for 3 hours that there is one customer ahead of me. **. I finally got disgusted and tried calling 888-751-9000, spoke to a lovely person, but overall the service of this establishment during COVID has been truly awful as compared to other banking institutions that friends and family deal with. Seriously considering moving my savings and checking accounts soon. If it were not such as hassle I would have by now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c22fd00e63d64415a7a3cf67b367d34b
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{"chroma:document": "Bank info and account balance is leaked to public. Good service. No security. High risk. Good service. Leaks private information. No trustworthy employees. Racist employees. Smug. They are selling money. Still act like owners of livelihood. Depends on your area. Rude and intrusive. Depends on your region. Head office is great. Local level employees are discussion private matters publicly. Disallow them to control you. Overall a great bank with naive and untrustworthy employees. They hire anybody."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f3c1270189b348ad9de13567dd65abef
encoding: FLOAT32
metadata:
{"chroma:document": "Ok this is the worst bank that I have ever used, I \u201cthink\u201d they are stealing from me but I can\u2019t prove it because I would have to write everything I do down but I always know what\u2019s in my account because I know their antics with the overdraft fees. I always have money missing from my account and they say that it\u2019s overdraft fees that I owe but I don\u2019t have overdraft protection meaning they are not supposed to go over the amount I have in my account. So every week I get DOL unemployment deposited into my account and every week there is a small chunk of money missing.. sometimes it\u2019s a few dollars but this time it was 21 dollars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e9c772e5e6f436ab9e8927437786287
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{"chroma:document": "Hello, My application for my personal TD secured credit card limit increase has been declined after several weeks back and forth. It is so ridiculous that TD Canada Trust decided to decline my application because initially, when I applied for a secured credit card, the credit card specialist told me that I can increase my credit card limit whenever I want as long as I put the necessary fund to the savings account opened for my secured credit card. However, the last specialist working on my secured credit card limit increase application has just told me that this information given me from another specialist is not accurate and now I should wait for another six months to apply again. I mean the whole process is like a big joke."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3615b320059d4cbb8f1d7b6489543154
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{"chroma:document": "Just one of the many many problems I've had. A bill comes in at 2:00 a.m. I put cash in to pay for it at 4:00 a.m. and they charge me an overdraft fee which I have to get taken off by calling that explaining it. Then after on the phone with them on hold or speaking to a representative they'll take it off but they keep repeating it. I've had another problem with them where was missing $60 and they can't explain to me how my account went into the negative when all my withdrawals were debit withdrawals where I couldn't draw out more money that was in there. One time they repaid me, the other time they couldn't explain it to me and didn't repay me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3bc59b3dc5a243ff97fa06a2d7a35e5e
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{"chroma:document": "Very unpleasant encounter today. Just because I am a non account holder depositing fund to a TD account holder, I received the rudest service in this TD main branch at 700 West Georgia St, Vancouver BC. The branch manager is a very rude lady and her staff doesn\u2019t know the stuff well. I was depositing a bank draft for my manager at TD bank at this branch. The guy saw the name and asked me, \"You are not XYZ right?\" Because my manager has a male name and obviously I am a lady. So he told me there\u2019s a hold on the bank draft. It\u2019s not a cheque you know? It\u2019s a bank draft. I asked him to double check with his manager just to confirm. As far as I know, bank draft is as good as cash."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41248192bac8451e8fb5a70b878af137
encoding: FLOAT32
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{"chroma:document": "TD is the only bank which sell life insurance instead of credit insurance. Business owners have to pay for credit protection premiums even if they don't carry any balance. They also claim to pay claim even if there is no balance at time of death. Basically bank is selling life insurance in its branches and sales persons are not even licensed to sell life insurance. No idea how they are able to fool the regulators."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fbc738efec9646fa9a2d305750e4aef9
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metadata:
{"chroma:document": "If your bill is due on a weekend and you pay it on the very day it is due be it a Saturday or Sunday beware. I warn you they will charge a late fee automatically causing the consumer to worry and to search for a number to a call center. At which point their phone system does not give you a option to speak with an actual person but, I can tell you pressing 0 will get you someone. Today I reached a girl named Kaitlyn in South Carolina who told me after weekend they automatically take the late fee off. She also told me there was not one person I could tell  about the system flaws. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c569c21d9384f2eac66a1c62a000838
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metadata:
{"chroma:document": "I have been with this bank for a few years and this year it\u2019s been Nothing but problems. I have dd to my accounts, and I had a refund that was pending and I checked today and my refund suddenly disappeared from my account history and my DD is nowhere to be found. They have also kept removing and reposting an auto payment every day for 2 weeks which kept causing my account to be overdrawn and charging me an over draft fee, 14 times!!! Tampering with an account is against so many federal banking laws that I can\u2019t believe I am watching TD bank mess with my account. I can prove that the auto dd was sent out on a specific date and should have posted to my account the very next day. It\u2019s been 4 days.. where is my deposit? And where did the refund go to? It showed as pending and today it\u2019s gone?!?! I am closing out my account as soon as these deposits show up. And I will be putting in a call to the attorney general and the FTC."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e0cd6663cb924835ac28fa8632ae53e0
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{"chroma:document": "If I can lay down the facts and timing of events below as well as the developments subsequent to my complaint emailed to TD Bank: 10/7/2020 - I opened the TD Bank account. 10/7/2020 - my husband's direct deposit went to TD Bank. 10/7 to 10/8/2020 - I took the money from TD Bank. 10/14/2020 - my husband's second weekly direct deposit went to TD Bank; On the same day, I attempted to take the money from my account to pay our bills that are due. Unfortunately, I was not able to get the money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dadd78d57df44538a011b986b2c51049
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{"chroma:document": "If you deny overdraft protection, they will probably give it to you again in a few years. Why is this dangerous? I think TD changes customer statuses on accounts and puts them into trouble. I went to 7-11 for a 69 cent soda. Got charged $35. Went a few minutes to pay for parking for $2..charged $35 by td bank. $315 charges in 1 day. If you want to make me happy, my Twitter handle is **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e3b2688e00b4f2a948eabfd772d9e6e
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{"chroma:document": "I was scammed on a purchase that I made with my credit card. (Vendor was from China and never delivered the merchandise...) I have nothing to show for a charge on my card. My credit card company is not going to bat and is as bad as the company that I am dealing with. They have been horrible to deal with and simply read a script. I will cut up my card and never use it again. DO NOT get a TD Bank Credit card and do not use the one that you have for any purchases. As a customer they will Not support you in a dispute."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 224bd7553a294864a170ea3d8104c943
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{"chroma:document": "I purchased a phone through Samsung. I returned it to Samsung and they told me I would get a full refund. They left a 12.31 balance for the monthly protection that I don't owe. I never activated the phone. I can't get TD to remove it and they have caused my credit score to drop 125 points."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9f86283c84246a595ae42b84174c9d7
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{"chroma:document": "I made a mobile deposit for a check made out to me on Oct 4 for $200. On the Oct 7 the bank froze and closed my account. The Bank opened up and approved a account for me online. After they never honored the check for the mobile deposit. I had a balance of $193.00. They said I had a account back in 2016? They said they were keeping the money and closing the account. How does a bank open a new account, if you owe them money? They should have told me to pay my negative balance on that old account before letting me open a new account. This is unfair specially when I was going food shopping with that money. During a pandemic really? Wow this company is the worst."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 682bca86d78f421a95b781211f724764
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{"chroma:document": "TD Bank recently changed their transfer process, so now each transfer transaction has to originate from TD Bank into whichever account the customer has linked to their TD account. These transfers are riddled with problems that result in the funds NOT transferring into the customer's requested account. Further, they 'hijack' the funds for an additional 3 weeks before crediting the funds back into the account. Not only that, the customer service rep will mislead and provide false information about when those missing funds will be credited back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5fc83210b6334f188aaacbcdce37e38b
encoding: FLOAT32
metadata:
{"chroma:document": "I do not know how many operators TD Bank has, but all numbers are pointing to the same call center and I have been listening to music for more than 6 hours now, not being able to get hold of a person. Unbelievable. I guess that is the last Samsung device I financed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b5f022a042e4434908a6a009cb9eafe
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{"chroma:document": "TD  Bank puts advertisements that you will get a bonus if you open an account with them but it is a fraud. I clicked on one such advertisement to open an account and made clear I opened the account because of the promised bonus. I continuously requested the status of the bonus and was told it had to be over X number of days. After X number of days they then claim that I \"Didn't click the right link\" in order to qualify for the bonus. Why would they put two links on an advertisement for the bonus but to try to intentionally defraud people who are signing up based upon the promised bonus. This is fraud and someone should sue them in a class action lawsuit as I'm sure I'm not the only one who was defrauded by this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aecd3618d52c4bd1947e17c640cc4f16
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{"chroma:document": "I have been a customer of TD Bank for well over a decade and I have to say the customer service has gone downhill. The bank itself in general has gone downhill. $2 a month maintenance fees, I don't earn any interest for the money that I put in the account, since the pandemic has started wait times on the phone exceed an hour. Wait times to do any banking in person you have to schedule an appointment and it takes forever. Everything is booked up, (don't get me wrong I understand it's a pandemic but this isn't your local credit union this is a large predominant Bank), I've been trying to close the account now for about 2 weeks and the Hoops I've had to jump through and the Constance Circle jerking that I've dealt with and the account still isn't closed. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6ac59f709a0d4a01b6b35de8ba997804
encoding: FLOAT32
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{"chroma:document": "Several months ago I had an overdraft agreement removed from my account because TD Bank was allowing every transaction to go through even though I did not have the funds in the account as I was unemployed and after several overdraft which should have not been accepted, my account went over $800 into overdraft and almost $1000 were charged by TD bank in overdraft fees!! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 912efc7b36bd4467b0337ab3d556a94d
encoding: FLOAT32
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{"chroma:document": "Always problem to cash out the checks. Same as Wells Fargo that I closed long time ago. My credit score is 830 and I got rejected for Samsung financing that I wanted just because of the replacement option. If you are unable to get financed with perfect credit what is that bank for there. Thank you very much and TD Bank will never be my or any of my friends choice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56947a1bec6c472b90656b783f300694
encoding: FLOAT32
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{"chroma:document": "The worst bank on planet earth. Please do not bank with TD Bank. Customers service sucks. After depositing a check into my checking account that had my name on it and information due to Covid 19 there were technical issues and TD Bank accused me of depositing a fraudulent check. I got the problem solved only to go back to TD and they closed my account. The customer service was horrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 083845ea723d4a8f9adb1d21a142c370
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{"chroma:document": "Called for customer care service. Representative said he doesn't care and hung up before replying. Sent Secure Message to TD Bank. Reply was boilerplate \"thanks for being a customer.\" When replying to boilerplate, TD online simply terminated the session. Logged on again, tried again, and TD terminated session again. Logged on, wrote a new Secure Message and referred to prior Secure Message, and TD terminated session again. What I learned is that TD Bank does not read Secure Messages. Good to know for the future.... And neither do they read email or help via phone. And, of course, we already know customer service is poor and disrespectful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d456e2452a194e58b440224748d1190d
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank makes banking a pleasant experience. Their app and website make checking balances and paying bills a breeze. Customer service whether at the bank or on the phone is a pleasure with polite, knowledgeable staff. I highly recommend this bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1d66d4e6672d48cb80eb076a59668cec
encoding: FLOAT32
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{"chroma:document": "I like the customer service I get at my local branch. Recently, the chip stopped working on my debit card. Since it is drive-up only at this time, the teller told me he'd get a new one made right away and to pull around the corner and he would bring it out to me. It was great service!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eea42ddebbc74e3a9ffdf4fb595d814d
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{"chroma:document": "I opened an savings account back in March to save money to go on vacation. My sister now needs heart surgery for a bad valve so I closed a 401k account I had with an employer who closed the plant and had the money directly deposited into my savings account so I could help her with bills. I then opened a checking account, with the thought of transferring most of the money there to make it easier to pay bills. I guess that was a mistake! They immediately froze both accounts telling me they could not verify who made the deposit and I needed to talk to their fraud department, even though this made no sense to me. I waited, the first time, 20 minutes only to have them hang up on me. I went to the drive thru and talked to some woman who asked me who deposited the money then told me she would call me back as soon as she heard something. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c7fa3342e4b4136a0e28edd6e4eb0b5
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{"chroma:document": "I am extremely satisfied with TD Bank; their customer service is fantastic. My account was hacked a couple of years ago and they swiftly and professionally handled the incident. I couldn't have asked for better service with that incident as well as any other of my banking needs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1d5820c179547779b10d7f43bff7296
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metadata:
{"chroma:document": "TD Bank is very friendly, very good customer service. Good bank, easy to communicate and speak with a real person not like other banks. I recommend highly to open an account with TD Bank. It\u2019s fun bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0adc971f7354a83bc6b847690ef1781
encoding: FLOAT32
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{"chroma:document": "Promises cross border banking but after months, still can't get their system to work. Customer service is nonexistent. Not very bright branch managers in US. Worst CD rates in our area. Will probably change banks soon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d76f76430d4144dfbc90af99d63522ae
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{"chroma:document": "When we moved to Pennsylvania nearly twenty years ago, family recommended TD Bank. I barely qualified as a senior citizen. Over the years, I have had a great relationship with them. They have been working with me when times were difficult. They offered great services. In this difficult time when it's hard for everyone, they are still there for me. TD is a good place to bank for senior citizens, as I am sure it is for others."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fbdab9ed7080481a99f0d939f6b1f463
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{"chroma:document": "If you want to lose almost 6 million dollars in 51 days and you don't want any consideration due to your gender or race when you apply for an SBA loan then, use TD Bank. TD Bank has been one of the worst experiences of my life.. my loan was foreclosed before it was even closed. And 51 days my loan went into foreclosure. TD Bank and Golden Corral worked as a team to swindle my money. I would never recommend."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 774769e80d714a9e99a566cefadbb90f
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{"chroma:document": "I was told that if I opened a secured card and kept it in good standings for two years that I\u2019d get my $500 dollars back and my card would be unsecured. 7 years later with a balance of ZERO, along with keeping my card in GREAT standings, TD will not give me my $500 back unless I close the account and reapply. I have good maturity on this account and don\u2019t want to lose the years of credit history. TD makes decisions based on your credit history across the board with accounts not affiliated with them. That\u2019s an overreach. Mind your business TD! I PAID MY BILLS ON TIME WITH YOU. Take take take... TD YOU'RE THE WORST!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2fe1c3b5e88e49cc88cbc0c1ffda9b15
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{"chroma:document": "Within the first 2 months of having the account, I had to go to the bank about 10 times, waiting a few hours each time, for them to resolve issues that were no fault of my own. Purchases will not show up in your account for many days at a time, and the company never misses a chance to charge you a fee. High-end checking accounts offer virtually nothing (or very nominal \"bonuses\"). I missed out on an IRA rate I wanted because the bank misplaced the check for a whole month and only an IRA that had a 3% lower rate was available when they found it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5804001d52841609f0f1526d6892964
encoding: FLOAT32
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{"chroma:document": "I have been with TD Bank for over 25 years. The convenient hours make a big difference-including being open on Sundays. The tellers are very courteous and friendly when I do go to the actual bank (right now using the drive through). However, I do most of my banking online. The app is very user friendly. All in all I find TD Bank meets my banking needs and am very satisfied."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 302ac4d7d0a74325a224144bbba8982e
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{"chroma:document": "We use TD for our savings account and for checking. The folks at our local TD Bank are always pleasant and helpful and they know my name when I walk in the door. (Something we can't do these days.) When I first moved down here, I had no computer available, it was stuck up in NY on the moving truck. I had bills to pay. The gentleman I spoke to, turned his computer around, handed me the keyboard and said, \"Go to it.\" I was amazed. I did what I had to and thanked him. He just said if you need anymore help, just come back in. That's what I call excellent customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a7585decfd0246289b3a4a8e687d3998
encoding: FLOAT32
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{"chroma:document": "I only benefit from the savings account but the monthly fees are ridiculous. Especially when you only use your account for billing purposes. 15$-35$ a month is ridiculous for someone. There aren't many features for people either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 213a12adc6444d218d271abbb878b224
encoding: FLOAT32
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{"chroma:document": "LOVE TD Bank: They have friendly bank hours (pre-pandemic) and a wonderful app - never have to visit - take a photo of a check, front and back, and post it - it's deposited; now, if there was a way I could pull cash from my Mac?!?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64941fe6360946e4ba6f94f470838ce9
encoding: FLOAT32
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{"chroma:document": "As all other banks already are open in my area, this branch still you can't get in for any sort of emergency either, to call their 800 line is worse than reaching the U.S. President. Drive thru for a simple deposit can take between 1-2 hours daily for no reason... Anyone know how to close accounts with them without going thru their drive thru?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5e90ccf5ed25438d8ada59587cd69230
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{"chroma:document": "I give this bank NO STARS!!! They are THE WORSE BANK IN HISTORY and I am going to contact the US district attorneys office TODAY!! My husband's SBA loan for his business was deposited almost TWO WEEKS AGO and they FROZE IT! Not just those funds but The entire ACCOUNT!! He not only doesn\u2019t have access to those funds in which were LEGALLY given to him but he has absolutely NO ACCESS to any of the other funds that is in his account and all of this DURING A EPIDEMIC? We can even buy FOOD at this point AND He provided EVERYTHING necessary in order to be approved for that loan. HOW DARE TD BANK FREEZE IT along with all his other available FUNDS!! I will be taking this matter to another level. TRUST ME!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc0cd74059bc46c1be92f8ccfd9f1ae1
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{"chroma:document": "Let me tell you a story about two gentlemen from T.D. Bank named Sal ** and Roberto **. O\u2019 my gosh, what lifesavers. I lost my card in a T.D. Bank in just a few seconds, the machine didn\u2019t give the \u201ctake your card out\u201d reminder and I wasn\u2019t paying attention. When I walked to the next store I realized I didn\u2019t have my card. A slight panic was starting to develop. It was still early but all the banks, all the banks only had ATM\u2019s and no one to talk to, I was lost for a minute. Then I decided to try the T.D. Bank near The Bronx Zoo, which had drive in. I thought maybe I could speak with someone. At this point I only had $6 in my possession."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98e58d851d6b4cd8a5bd78d677a9632d
encoding: FLOAT32
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{"chroma:document": "100% opposite to its slogan. TD Bank is the most difficult bank to work with EVER. I had no experience with the bank before I refinance my mortgage last year. One of the loan officer was unprofessional about the loan documents, did not respond to my emails, and asked other officers to communicate with me after I sent out a second email checking my application status because she didn't reply to my first one. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22194a9b649c4e45a818d2ca682901e5
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{"chroma:document": "JUNE 29, 2020: Spent more than 45 minutes to get somebody on the phone. UNACCEPTABLE!!! I called because my free check order never arrived (Beyond Account ).... Now they dont want to honor their promise (not just they told me when I opened the account but it is also posted in their webpage)... Apparently they sent the checks on March but I have never received, I have never used ONE. Now they want me to charge for a new order of checks!!! Worst bank ever!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e63d12a477bd4f2c88c0693e520c6b15
encoding: FLOAT32
metadata:
{"chroma:document": "Watch out if you are opening any acct with TD Bank they never listen to you and never meet your expectations when you call. In other words they could care less about your banking concerns!! I expected a lot more since this is Your money you are dealing with not theirs!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f67157cfb664531b992b8c2b127030c
encoding: FLOAT32
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{"chroma:document": "TD Bank is the WORST! My daughter's account got hacked... After not getting any help from their phone support and waiting literally days for them to respond, we went to 3 different branches, five total visits, to this crap institution only to hear their Managers tell us their hands were tied and making is call the very same BS customer service line with various transfers to depts. One manager called and waited on hold with us for 15 minutes and the department told him to call back on Monday. A year later after no results they sent us to collections for $250 which they had already cleaned out her account from insufficient funds fees and never sent us this final bill. They suck if you have a problem you will get nowhere with this group. STAY AWAY!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02c013e1bb0140ba93af99ee60e39e50
encoding: FLOAT32
metadata:
{"chroma:document": "Been a TD customer for many years, I knew all the staff and they couldn't have been better. Something has changed in that org. They are downright incompetent and uncaring. Due to an \"error\" I was cheated out of several hundred dollars in interest, I was trying to call them for some info and they did not answer the phone all day....I was parked in the lot in front of the bank before opening and was told to leave, talked to the manager and was told it was their policy not to have suspicious people in the lot when opening, sent a message online about an issue and 4 day later no response. I will be looking to change."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09ab516730af48b9b5d682ebbc705497
encoding: FLOAT32
metadata:
{"chroma:document": "TD is definitely the worst bank ever. Their mobile app is virtually useless. Never up to date. They delay taking funds out so they could try to get you to overdraft. Mobile deposit I had a security hold put on eight out of 14 checks that I put in there. They tell me to deposit it at the ATM in the bank. I do that and they put a security hold on some of that also. Use a different bank. Say No to TD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23b0b76aec1b4358928a89fea95ece47
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{"chroma:document": "Locked out of my US TD Bank account due to purchases made online for myself in QC and my Mother in CT. (Good food due to the Pandemic and I am in a rehab place for my leg and my Mom is 81 years old). After calling both the main number and my VT branch, they cannot help me, so my TD account $ is frozen. I guess they can make interest for themselves through all the accounts they\u2019ve locked... I\u2019m changing banks. TD is now nonexistent to me and I will tell others, if asked, not to use them for any financial services whatsoever. I would actually give them negative 2 stars if I could."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 69289b177e8140408f0bc1443ef877af
encoding: FLOAT32
metadata:
{"chroma:document": "A sad story of a bank that used to be good but is now too inconvenient. After 15 years, I am closing all my accounts with them. Now the hold times are just too long (sometimes 40+ minutes). Poorly trainined service now. No abillity to speak to supervisors. Constantly making excuses like blaming other departments, and tranferring you. They most recently canceled all my debit cards due to one online bill pay they couldn't identify which i legitamatley did. Rather than just denying the one payment, or texting me, or asking for a security code, they just cancelled everything and locked me out of website so i couldn't even know what happened. Some service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb7c1cd54f1547d2a5673b3fcd627868
encoding: FLOAT32
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{"chroma:document": "Honestly, the services at TD are pretty good. We love their no-fee credit card, their flat monthly fee, and their very friendly tellers. HOWEVER; the whole reason I felt the need to write this review is because of what I have seen happen to people close to me, and how utterly appalling I think it is. The majority of frauds and scams are (or at least used to be) based on checks. People will deposit these checks at TD Bank, send some of the money back to the scammer, and supposedly keep the rest. These can be in the amounts of hundreds all the way up to millions and most people CANNOT absorb this loss. TD will tell you after the fact that the check did not clear and the money never existed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 14eefdf805d749a3845722a1a87d6bec
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank Sucks! Had enough of their BS! 12 days to clear a deposit from one account to another. When I called, they blamed it on the Federal Reserve. Time to go\u2026. Should have left them years ago. Incompetence plus!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d9eff1c1826438094e456af3288e9b7
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{"chroma:document": "If you're looking to set up a tax-free savings mutual fund for your children to be able to save money for their future tuition, don't ask TD for any help. TD screwed us over by incorrectly classifying our investments so that when we withdrew the money for tuition, that money was then considered part of my income by the CRA. We were then taxed over 18% of that money, wrongfully! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 046f0602da094541a6e646803f3b82cc
encoding: FLOAT32
metadata:
{"chroma:document": "Hi, A couple of months ago, I ordered a statement for my business and personal account for 2018 I went to my home branch, they said I will receive my statement in a week free of charge. After a week I went back to the TD Bank but that time I only got my business account statement, not my personal account. After some time, I went back to TD bank to get my personal account statement. The teller told me that they have to charge me $15.00 for the year 2018 statement. It is not a matter of $15.00 but it's a trust. I've been a customer of TD bank for more than 15 years and I like the service very much."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66a7183c459d4543a4acbe47f1f36a4b
encoding: FLOAT32
metadata:
{"chroma:document": "All I am going to say is that if you forget your password when you call them for assistance or help, even if you tell them... \"I can't remember it cause I never had to use this password before now.\" They will not accept anything else but the password that you may even of made months ago and I just want to ask them \"Please can you just check my account? I think there's some money transaction that I'm not sure of, so could you at least check to see if there may have been fraud or a mistake?\" But Nooo. Even if you tell them to ask you any question like for instance your social or mother's maiden name or credit card bank info or even phone number whatever cause I got that all. They still won't help you in the least bit. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9e20b735e334544bb0b617aabc78037
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a Savings and Checking account with TD Bank, and I was never told that I could link my saving to my checking in order to protect myself in case of an overdraft. Instead, they kept on charging me fees after fees, paper statement fee for every paper statement they deliver, service fee of 15.00 dollars that I didn't know about. They also have an overdraft fee of 35.00 dollars per day. Aside from the hidden fees, they have some rude employees when you call the 800 number. Had they told me about the overdraft protection, I would have made sure to implement it to protect my money. If I had been informed of the paper statement fee, I would also made sure to use online statement fee. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 42329ed359f349e0b7159dbbc78d476a
encoding: FLOAT32
metadata:
{"chroma:document": "Wait times can be very long AND commercial clients are allowed to go to any open CSR & this really slows things down. It is great for them BUT not great for other clients. Never enough CSR'S open when the branch is busy! Best to go first thing in the morning!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3ee665380c2461b84a013c1fd3856eb
encoding: FLOAT32
metadata:
{"chroma:document": "3 months ago at TD Bank in Montvale NJ wanted to cash check for $5,000.00. Man said \"we don't have any money.\" (At a BANK??) I have 2 checking accts with them for Years & both were fine money-wise. Said again: \"We don't have enough money for that. You must call us 2 weeks in advance & let us know to cash check this big.\" Huh? Even criminals know \"where the money is.\" "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 39b1a30dc990428a90d6fec6bed4a0c9
encoding: FLOAT32
metadata:
{"chroma:document": "This is the only bank I use and I wanted to try Samsung Pay on my phone and watch! I even tried adding my card. I got a message saying I could call TD and ask them to activate my card on samsung pay! But when I called them they said they only have Apple Pay. That's it and they stopped dealing with Google Pay and Samsung pay 3 years ago! Whats the point of this bank if it can't support the only phone you use! Disappointed! Honestly just go with RBC. They support everything and would never have these small issues!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 670e548855ca4666a3d06b3399901af5
encoding: FLOAT32
metadata:
{"chroma:document": "Terrible bank! Period. I could write a book at this point! Most recently the story goes like this: My debit card expired and they emailed to say they were sending a new one. Never came. I called customer service and they sent out a replacement. Never came. I did this TWO MORE TIMES and STILL NO CARD. That's 4 tries at sending me a new client card and I still do not have one! My local branch is closed, indefinitely, due to Covid19. AND I DO NOT HAVE A CLIENT CARD THAT WORKS!!! So, in the middle of a pandemic I cannot access my bank account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 42104dc148c6466883d0ae8b9ee3f3d7
encoding: FLOAT32
metadata:
{"chroma:document": "Not recommended for small customers who struggle to keep their heads above the surface. The corporate slogan is \"The Most Convenient Bank\", the question is for whom. I've been banking with this TD Bank for about 2 years and overtime having issues with their transaction record system. What's in the banking business known as \"maximizing the profit\" is well-practiced using the non-sufficient fund fees policy, and that is more likely a scheme. Why? Because the way they record the transactions, they record the transactions based on the largest amount to the smallest amount, just like any other banks. The excuse in play, is they are trying to help customers to pay what is most important (seems the largest amount is the most important). Yet the decision for that relies on the bank solely discretion by that mean if the largest amount would risk the bank of losing money, they would not execute the transaction."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d461ea93bdaf42f6bdc3936db146aa37
encoding: FLOAT32
metadata:
{"chroma:document": "I called TD Bank to review mortgage options and the financial advisor did not listen to anything I asked, insisting that I had to make an appointment to visit the branch, which meant I had to take time off work or spend weekend time. I ended up visiting the branch, and the financial advisor did NOT follow up with me subsequently on status/progress. Poor customer experience all around."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c87115aa90e24e3b815e954c2aceebfc
encoding: FLOAT32
metadata:
{"chroma:document": "Ineptitude oozes from every T and every D associated with this outfit. I have had 5 over the top, you can't believe this is real type events. Every excuse to hold money longer they give, no more of it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1da287a7c2d4e8a944eacf636fbaa65
encoding: FLOAT32
metadata:
{"chroma:document": "I've been a loyal customer since Commerce bank days, now TD Bank, for years I've traveled all over Europe and TD Bank never charged a International fee on top of the regular fees, since Corona they added international fees, shame on them. The time has come to leave, so after 20 some years I'm sad but this threw me over the top."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 961ca29c6cac48ce9abdd1977f62e224
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank offers you a Debit Card on the spot after enrolling which is awesome, However, Please be very careful with any of the Cash advance they provide because their OVERDRAFT SERVICE/FEE is a JOKE! TD BANK charges you an Overdraft fees of 35$ per transaction after you over draw your account. For example, if you have 100 $ in your account and you're enrolled in the TD Cash Advance It will let you make a transaction which is above 100 and charge a 35$ fee for that transaction. & after that If you swipe for 1$ or if you're enrolled in any auto payment you will be charged Overdraft fees of 35$ for 1 Dollar and it goes on. It is good they let you overdraw but be aware of how the fees works. NOT RECOMMENDED. Thanks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e06caa30c62449ddb9e241f76458c0f5
encoding: FLOAT32
metadata:
{"chroma:document": "During this pandemic I understand that wait times are higher and places are cutting down staff but after being on hold for 2 and a half hours for on both of my phones for 3 days to only be hung up on every.single time just to unblock my card. Over 3 days seriously!? (This is day 4) Then I go into a branch after waiting in a line for them to tell me I have to call the same line anyway? Don't bother calling them. You won't get through. I'm assuming there must only be ONE rep handling phone calls."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2b2a150328344f63b5525a1ba7e6aec5
encoding: FLOAT32
metadata:
{"chroma:document": "We refinanced our home. Problem 1: The application process took forever and toward the expiration time on the 3% loan TD wanted to back out because we sold a car for cash. Who takes a check for a car from someone they never met before? They wanted us to take out a loan for more $$ and then they would overlook our cash sale! (FISHY). After my insistence they agreed to the original loan application amount. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 068bf2be424a4c49b646021c9e92349a
encoding: FLOAT32
metadata:
{"chroma:document": "I had a joint checking account with my daughter since she started college back in 2010. My daughter is actually very financial responsible and watches her account religiously. When we finally decided to move her account to CapitalOne so she could have her own account without me it was a fiasco. I set up bill pay to pay my TDBank Credit Card with my TDBank checking account and for whatever reason it didn't work and they hit me with a late payment fee. 1) I set up an interbank transfer feature and she tried to transfer her money in $2500 increments, the website didn't register it and she clicked it several times and as a result tried to transfer $2500 x 3 and I got hit with an overdraft fee x3. I ultimately got these fees refunded but it whacked my credit score down from an 838 to a 780. So I would avoid TDBank as they seem to be technologically challenged."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb61968e0df04018a8620d9d4d71f576
encoding: FLOAT32
metadata:
{"chroma:document": "Long-term, loyal customer of TD Bank; many many products and relationships. Everything changed over say the last 2 years. Fee mongering. Many increases. Special accounts that waive fees no longer count, etc.; Avoid TD Bank Lending like Covid-19 (nothing but pain). Lies, deception, manipulation; Customer Service no longer customer-centric; No way to escalate concerns within the bank to the proper departments; Technology, well, that has always been a hot mess (they are trying)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f7f09cf7de004860bf20ad44089b41ea
encoding: FLOAT32
metadata:
{"chroma:document": "TD card services is so unhelpful. You have to call and ask for your points or promotions, but they always have a reason to not help you. Even when a TD bank rep calls they refuse to be of service. Or waive the fees the bank tells them to. Horrid customer service, bordering on fraud since I have yet to get what was promised 8 months ago. Do not recommend."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfcaca8b2a044f5288ddeb77fa5e0dc4
encoding: FLOAT32
metadata:
{"chroma:document": "During this time of crisis, you can really tell who the good vs bad companies are. TD Bank is no exception. On Friday, the day the program went live, I called the bank to find out about the process for applying for the Paycheck Protection Loan. It was obvious the employees were not trained or informed on what to say or do. They had no idea. One of them sent an internal memo. Another told me they were short staffed and only the manager would know what to do. So today, 3 days after this thing went live, they added an online application and it doesn't work."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5f6b7955b6a6449fab763ca44c4f1268
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank has just about the worst online experience I have ever seen. In order to use online banking, you MUST receive a text message on your phone to log in each time. However, the text message only arrives some of the time, meaning that you can only log in when their system is in a good mood and actually sends you the text. Then, once you're in, it freqently logs you out and makes you log back in even when you're in the middle of doing something, and you have to start over all again (assuming you can even log back in with the text message)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46969be3309142dd9712ea7229413510
encoding: FLOAT32
metadata:
{"chroma:document": "There really should be a zero or negative star rating available. Never have I in 35+ years of banking been treated in such an unprofessional, rude and totally obnoxious manner as I was by a Ms. Kimberley **. Despite the inconvenience which it will doubtless entail for me with having to move direct deposits etc, I will be exploring how to close and move both my business and personal accounts from this horrendous branch at the earliest opportunity. In addition, trying to get hold of TD head office to relate my experience ended in failure after waiting on hold in excess of 40 minutes before giving up. Please avoid this horribly unprofessional branch or TD Banknorth as a whole."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77b81d6b46724d5f8ec2be86fe65e497
encoding: FLOAT32
metadata:
{"chroma:document": "Robert **, Adriana **, Tracy ** from the Mortgage dept and underwriting. If you want to be guaranteed a loan Lock in a rate. Not talk to you about what's going on with your loan, bait and switch and then after asking to pay all your credit cards and bring 30,000 to closing which me and my wife agreed, only for them to drop us because we locked in at 3.65 and then all the refis came in and they weren't going to make money then tell us to pay off our lease and we can try to see what we can do. (Start all over and give us a 4.89 when we are already paying 5.8 interest.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab893283f5334aa2a2511b1a90a7147e
encoding: FLOAT32
metadata:
{"chroma:document": "I wish they had the choice of 0 stars or even negative numbers! One star is much too much for this outfit. I have been a client of TD Waterhouse for many years. When they did make a mistake in the past - unauthorized selling of securities from my account - it was very stressful but they corrected it and I believed it was a honest mistake. Unfortunately, during the recent market volatility - volatility is good for my kind of trading - they were impossible to reach (and I mean calling on four different parallel telephone lines for 6-8 hours continuously!) and as soon as a margin appeared they sold again my securities. I gave instructions to transfer funds and securities from another TD account and still they sold my securities. This is utterly dishonest and more than I can take. I'll see them in court."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c8cdd556d4b4f9f9a8cf29216f8019e
encoding: FLOAT32
metadata:
{"chroma:document": "Went there to give a copy of my signature for new business checking that I opened online, teller sends me toward group of three guys who didn't wanna look at me then one of them tried to brush me away as soon as he found out I already opened the account online and he will not make any commission, when I told him I failed to send my signatures online each time I tried he said, \"It's big process. We will have to do it all over again here if you wanna do it through me,\" I showed him the email I received from bank that clearly stated just signatures on document at the bank. I realized what's going on so I asked him to cancel my account, he was very prompt on doing that instead of trying to resolve and help, I also heard other two employees talking rudely about another customer who wasn't present at location. Bank is on the right street address though it's on \"SHADY LANE\" in Howell NJ."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 418b4203f5c84388b394ecd205407b87
encoding: FLOAT32
metadata:
{"chroma:document": "Excellent banking. No surprise in amortization. Renewal do not cost any dime. Professional bankers to help for new amount mortgage and refinancing. Really like the staff taking it seriously to find best option for customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b40a1459818749e38eaf7e3e0d18eca4
encoding: FLOAT32
metadata:
{"chroma:document": "I took a business line of credit with TD Bank to help with my business. I had a few bad months in sales, and I was running a few months behind with payments.  They did not want to work with me on a repayment plan at all. Their main objectives were to get a judgment against me and collect on the SBA guarantee. I would never recommend this bank to anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0a61e7ac91b4bcfb169f46820c915f6
encoding: FLOAT32
metadata:
{"chroma:document": "Applied for a mortgage and got approved for a mortgage 2 months before closing. Then one business day before closing and TD finance department dropped the financing. And we never closed. I will never step foot in a TD Bank again or use them at all. This isn't the first time this has happened. Stay clear from them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0b255def79b41e88a3913be914e2af9
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank's employees need to all be given the SAME handbook on the bank policies. The first time I called for OD fees, they waived HALF of the fees. After not a single person telling me what the OD policy was (they will charge up to 5x the OD in a single day, They charged me FOUR. $35X4 IS 140. Then agreed to waive HALF which are 2 fees). The second time I OD, I called again, I OD for $14, for an ACH payment to Amazon. Boom was slammed again. The woman told me that I since they already waived TWO fees this year, they couldn't wave another one. Spoke to an \"Supervisor\" named Chris who was not the friendliest person, who kept reiterating that by law an ACH payment they had to let go. Okay, FINE. Prior to speaking to Curmudgeon Chris, the person I spoke to said that the OD fee is posted the DAY AFTER (DUMB) and that if I put in money to cover the funds prior to closing, there will not be a fee posted. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 097b0c45baab4a68b63f504d6601588c
encoding: FLOAT32
metadata:
{"chroma:document": "This company is filled with untrained pathological liars. I deposited a check on a Friday night and immediately called to confirm when they would deposit my funds, to which the agent said Saturday. I called Saturday morning to inquire about my missing funds, and the agent said it will be posted to my account by 5 pm EST. Called at 5 pm EST and spoke to both an agent and supervisor who said my funds would be available either Sunday by visiting a branch or Monday. I visited the branch during my lunch break, and the manager said it would only be available Wednesday and she can't do anything about it! Due to the lack of training by the TD Staff, I am late on my rent, causing a fee from my landlord, I suffered humiliation and am suffering an insurmountable amount of stress. I am closing my account with TD bank and have already filed a report with the BBB, next step is the AG and a lawsuit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ba40e2ad7724c12944b01ef8d8f2a44
encoding: FLOAT32
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{"chroma:document": "Have been banking with Ally which used TD Bank for their credit card services for about 2 years now, upon ally discontinue using the credit card services and the service been taken over by td Bank I have had nothing but problems. Attempted to make a payment and enroll online but due to not having the new card I was unable. I finally received my card today and proceeded to activate it as the customer service agent I called last week advised me and had mentioned that once activated the old card will no longer work which made sense so I proceeded to do that. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ae6a4673f9e4a2bafd495eb4304d1a8
encoding: FLOAT32
metadata:
{"chroma:document": "Hi! Our names Robert & Maya **. I am submitting this review, Which is so long overdue. And I Pray that this will never happen to anyone else. I saw many of the reviews from many other victims as well as my husband & I before finally I chose to write this. I Also did research on TD BANK history. I had to be sure that it wasn't my husband and I carelessly not being responsible with our accounts! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 15e9c6b387c849dca203899e39b4bc20
encoding: FLOAT32
metadata:
{"chroma:document": "BUYER BEWARE! We have tried to be a loyal customer of this bank for the past 4 years, but we are now looking for another bank. They have friendly staff, but unfortunately, this is completely offset by how incompetent they are, from the tellers to the intermediate staff, to the bank managers. Management should lead by example, and unfortunately for this bank, that is exactly what they do, only to their detriment. We have 4 accounts with TD but will be closing all of them due to continued incompetence and an utter lack of accountability. There are so many mistakes this bank has made, and the worst part is, there are no actions on their part to prevent these errors from recurring, so buyer beware:"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 15c3cba979a041289cfe7f49551bdbff
encoding: FLOAT32
metadata:
{"chroma:document": "I didn't think any bank could be worse. I was wrong. Husband applied for a mortgage loan with TD. Their process is manual and painfully slow. The loan processor was extremely incompetent (we are talking about simple math and reading). They offered him a horrible rate for a loan (although he has excellent credit and good income). Then they sent out their appraiser. The appraiser falsely misrepresented to the bank, in the report that the home had code violations. It was explained that this was not the case and provided proof. They still proceeded to demand these be remedied. They still contend that he is approved but admit they won't fund the loan. Won't provide any sort of letter to back this up so he can get his earnest money back. This bank is beyond unethical. Will most likely pursue legal action against them. I do not think they behave this way with all of their customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11d2116e88474775b93c324c7fb37a4b
encoding: FLOAT32
metadata:
{"chroma:document": "They treated me so disrespectful like a criminal. So after my account was compromised and hacked. Hacked From another state. The hacker was able to see and steal my information and my complaining lead to me being told they will no longer do business with me. Unprofessional. Abuse of authority at it finest and why are the allowed to dress like they are in a prostitution ring. Very offensive."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f65f36ebf90a48eaa6556c10157bf1c4
encoding: FLOAT32
metadata:
{"chroma:document": "I always checked my available credit on the app and made purchases accordingly. Two times it suddenly went over the limit. After calling found out that the app doesn't update information properly. And then they charge for over limit. I also asked to block over the limit purchase, but TD bank refused and charging the fee. Clearly fraudulent business practice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3cc72a196b1249aaa37853f68a784778
encoding: FLOAT32
metadata:
{"chroma:document": "TD is probably the most frustrating bank experience I have experienced in decades. The fraud department deactivated my account multiple times for transfers INTO this new account and was very slow to reactivate it. I walked into the local branch many times to unlock it, but what the local staff could do it just email the Fraud Department and wait for two hours before they respond. And they never responded. I made five calls and visited the branch three times, spent hours on it, but to no avail."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1eb6b1cad8247698319ca249499a239
encoding: FLOAT32
metadata:
{"chroma:document": "I notified them one day after realizing the charge was made to a non-licensed, known credit card fraud, and a con-artist. Since then, the so called \"merchant\" that sent them a bogus invoice # 00001, has been incarcerated several times. I have submitted proof (twenty-three pages) of proof to them several times. They continue to side with the merchant- all this over $278.00. This con artist has taken over $20,000 and destroyed a condo, that has now cost above and beyond the original amount I planned on spending. My advice is read all the reviews about this card- sure it offers perks- but if you experience a problem- forget it- they couldn't care less. The customer service- when you are able to get through is horrendous. This thief remains on Facebook still recruiting new victims."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d44f6f6176874c44b1577a957ad2ef46
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{"chroma:document": "Luckily I am disputing only a $96 purchase. Purchased a wig and did not receive what I ordered. According to wig company returns are accepted if wig is not tried on. After back and forth correspondence between myself and the wig company with no satisfaction, I brought a complaint to the Dispute Department at TD Bank. All correspondence was sent to TD (emails between myself and the merchant). This correspondence had to be sent three times!! After repeated conversations with the Dispute Department I was finally told my case was in my favor and \"Don't worry. Your credit card has been reimbursed the $96.00.\" Thought the matter was closed. This credit took about a month to be posted. Then I receive a letter stating that the merchant sent copies of my order (enclosing picture of the wig I sent them that I received and a copy of the order and receipt). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c3fcb47ce3e4c7d926db22508a3b3b3
encoding: FLOAT32
metadata:
{"chroma:document": "I have been deal with the TD bank lately they have double charging me for my safe deposited box and I have to call them they fix it right away and said I will not have problems no more but every year I have problem with that. I try to make a deposit in the machine but the cheques come back to me right away. So I tell them about it. And they say they never heard about it that has gone on for two months. So I call the bank that is on the back of my card phone number and they treat me like ** and no respect. And tells me to talk to that bank manager. That will not work. I will be closing my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e94e815d3044a17aae3905c1ef912f4
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{"chroma:document": "Filed chapter 13 bankruptcy in 2015 never included TD BANK in bankruptcy. They stopped sending me monthly statements. No communication at all. I continued to make monthly payments every month using old statements. While under bankruptcy protection TD BANK sent me a NOTICE OF FORECLOSURE stating l was behind over 4,000, then 6,000 and went all the way to 10,000. Never wrote to the bankruptcy trustee to get approval to increase mortgage. My attorney sent TD BANK a letter to cease and desist because that was illegal. Then they sent a person out to take pictures of my home. For what l don't know. I called my lawyer once again and was instructed to let the person know that he is not to take any pictures and if he does he will be sued. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f5a80a6caa484c38b6540d4ff7c0340c
encoding: FLOAT32
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{"chroma:document": "My incoming \u201cwire transfer\u201d was treated with DISGRACE and DISCREDIT by the AVP of this Department & her staff. My complaint that went on for \u201cmore than a month\u201d of why I was charged an ADDITIONAL fee was just \u201cbrushed off\u201d and ignored! My contention was on the basis that I had a TD Preferred Account with a \u201csubstantial balance\u201d & should not have been charged an additional fee. The AVP rendered and displayed a \u201cdevil may care attitude\u201d. TD Bank has the worst Customer Service in the whole of US!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 302f35137ed34d58abfbf62851cb5012
encoding: FLOAT32
metadata:
{"chroma:document": "Son is studying abroad. He was told at the bank, \"Don't worry. You don't need to let us know.\" YET, twice his card has been stopped. After we verified the first time, shouldn't have been enough?! Mind you, they can't contact him because they are able to use out of the country phone numbers. The whole thing is ridiculous. I get it is for safety, but maybe it was easier when they just put an alert on accounts that you were out of the country. And Now we find out there will be foreign transactions fees beginning March 5. Just lovely. Thank you TD Bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8603c260a91444d88950f4c31dfaf966
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{"chroma:document": "TD Bill Pay where no one is responsible for what happens to your money, after using td bill pay back in December 6 2019 to pay my mortgage, I was informed that the mortgage payment was never received by my mortgage company which it happens to be PNC Mortgage another bank that could care less about their consumer since neither one of them will respond for my mortgage payment, very irresponsible people, no one cares, still to this day 01/18/2020 I have not received a refund for my money that was taken out of my account, lost and never received or refunded. Shame on you td bank and pnc bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 39594e1074f541febd8cf863bc11f543
encoding: FLOAT32
metadata:
{"chroma:document": "I am on vacation in Puerto Vallarta Mexico. The bank was previously notified that we are in Mexico. However, TD has declined our debit card and put the card on hold because they supposedly have no way to verify identity. They do not have my cell phone on record. Oddly enough when I went online they texted a verification code to the cell # to allow me to log in.. Yet they have no record of that #. So here we sit with no access to our money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 936cf7b4f0794b0ca53f79cf71199ad0
encoding: FLOAT32
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{"chroma:document": "I am so disappointed. I was so hopeful. For several reasons I was thinking of moving my accounts from Chase to TD. I set up a checking & savings account with TD last month. Setting up Bill Payment was SO cumbersome & difficult. I scheduled a payment, my first (and who knew, my last) on 1/1st, to be sent immediately. Per the system it would be received by the vendor on (est) 1/9th I checked with the vendor as the monies never left my account. I called TD Bank 3X. Wait time to speak to a rep was 30, 40 and 30 minutes."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa875657b31247b9a664a6cba24c664b
encoding: FLOAT32
metadata:
{"chroma:document": "Sent tax payment via their amateur website which was probably last updated in 1999. Funds sent via US Mail (in 2020?) and of course payment was late so I have to eat late charge. My money and investments along with several direct deposits will be in a REAL financial institution next week as soon as I can get them redirected. STAY AWAY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a086ac7e20744989ab3f2a9de7338bd3
encoding: FLOAT32
metadata:
{"chroma:document": "Merchant dispute letter. Explained twice the situation got one letter saying that they may need further documentation. Never got a follow up letter, a call, or email from this department requesting the docs. Just got a letter yesterday stating they are going to do nothing and charge me $620 after I clearly explained numerous times I had analytics reports and emails clearly proving I was defrauded with email correspondence from the merchant requesting a refund. Amex would have had my back. Capital One has had my back. I told them I wanted to close my account and Carrie at the call center threatened to destroy my credit rating. To add insult to injury they charged me an overdraft fee. NEVER DO BUSINESS WITH TD!!! Incredible!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 369168e1473f4bf798f7538694afee7d
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst bank I have ever done business with. -- I am the owner of properties here in Brooklyn along with running a successful company - While applying for a home equity line of credit and having a credit score over 817- this bank has made invasive requests for documents unrelated to a home line of credit. Secondly this bank has provided wrong documents at closing requiring 4 return trips back to the bank to resign.-- As of today 1/8/20 my account is still full of mistakes.-- Also be aware you can only transfer $5,000.00 per day--along with the lost in outer space for days transactions. Wish I would have known.-- BEWARE!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ba57e2f9c404328988d44203f9daf49
encoding: FLOAT32
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{"chroma:document": "After receiving a letter in the mail as well as offers online, I opened a TD Bank Checking account which had a $300 promotion to it. I stayed on top of TD after meeting the eligibility criteria and was constantly told (online and in person) I just had to wait the 90-145 days for the bonus to be paid out. Reluctantly, I did just that until day 145 where I submitted a BBB case to have my bonus paid out. The explanation to why my bonus was not paid out is something you'd expect from a shady small bank practicing illegal advertising. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45cc1e72907144bd949897fc0575e90c
encoding: FLOAT32
metadata:
{"chroma:document": "Deserves a -1000 rating. 1. They don't post the phone number on their business account page. Idiots behind the wheel here. 2. Functionality simply does not work. 3. It is randomly down right when you need it. 4. No notifications for overdraft. - You have to set them up? If it was convenient (they claim it's most convenient in the world??) they would auto have an alert for overdraft. Don't make your customer do it, they are the king! They put the customer at the lowest priority I have ever seen in my life. Want a call back? No chance, they cannot do that. Also, if you do not get their security questions exactly right on the first attempt. With exact amounts, they will lock you out for 3 days, when you just had a simple question. This is going to zero, or needs a HUGE, HUGE MASSIVE rebuild."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1136880ccc22431681c387bc8b9dd59b
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank claims they are open 24/7 but it is not true. Can you go into a TD branch for any business at 6 am? If it is about ATMs, they have malfunction issues most of the time. TD Bank does check processing at midnight and if you are short a little in account balance you will be imposed non sufficient penalty immediately or checks are bounced unpaid, while other banks let you whole day to bring your balance to positive. It is big rip off balance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7022055813e64df69c1d5243fc4a87b2
encoding: FLOAT32
metadata:
{"chroma:document": "Waited on hold 5x for 30min to where it just disconnects. This customer service department is a joke. DO NOT USE THIS COMPANY FOR ANYTHING. They OWE me money (via a credit in my account) and I cannot contact them. BEWARE of these CROOKS."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e827c2c791f94dadb6374fe88a6d4e77
encoding: FLOAT32
metadata:
{"chroma:document": "I applied inside a branch in September. My home is currently valued at $350,000 and I was looking to borrow $25,000 only while the current remaining balance on my loan is $50,000. I uploaded tons of documents. Every time something else was pending or needed, I was the one who had to contact them. Needless to say after 4 months of back and forth, the agent handling my loan (who also yelled at me at a previous occasion) advised my loan had been denied. The issue apparently being proof of employment which I did submit. When I called to inquire since all my voicemails and emails had been ignored, she advised I would need to resubmit and re-apply for the loan. I will NEVER use them for anything ever again. Terrible customer service and follow up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 00d80d2b53cc47dda4f94abd766abc1f
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{"chroma:document": "On Wed. Dec 18th, at 6:45am, I deposited $130 into a TD Bank machine, like I had done so many times before. The result was not what I expected. The bank machine display said to me that \"No money was detected.\" And that was it...no receipt, no explanation, nothing. Just walk away right? So, needless to say, I was perturbed. I needed to put money in my account in order to go online and pay my bill. So, I went home, and waited until 8am for the branch to open. When they opened, I went to the \"Welcome\" desk and asked the man working there to please get the manager. BTW I audio recorded the whole conversation for my own protection because these days people aren't too honest and one never knows what another might say later on. The young man got the manager and I explained to her what happened. With a quite callous response she informed me that an investigation would need to take place. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 040ae8e131904159b7a49c31182fd283
encoding: FLOAT32
metadata:
{"chroma:document": "I tried to get into my TD checking account to pay my TD Visa bill. 1. I phoned TD Banking Online (1 888 751 9000) to add a phone number to receive the Security Code Verification. The operator immediately locked me out of my account and said that she could not verify my identity (because the account was locked out). I talked to a supervisor who was rude, dismissive and not helpful. 2. I contacted my branch (the staff there is always very helpful and pleasant to work with). They unlocked my account and I should have no trouble getting in my account via online banking."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b68b435eda2f463f8174923f25b71a1f
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metadata:
{"chroma:document": "TD Bank is great for one thing.. their checking and online banking. It stops there. Attempting to do any other line of business with them can be a nightmare. They encourage you to do other business lines with them, but then make the process frustrating. I gave up after 2 different attempts. I will keep them for checking. Beyond that, I bank with other institutions. The so-called \"legendary customer service\" has NEVER been on par with their predecessor, Commerce Bank. But again, their checking is great!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9095bc323c684b3aac742ed8639b3376
encoding: FLOAT32
metadata:
{"chroma:document": "Payment pending. Would have over-drafted. Didn't. Rushed to deposit money. Day started positive balance. Ended positive. Negative balance never posted. Doesn't matter. ALMOST= Horseshoes and TD Bank. $35 fee. Nearly 2 decades of banking meant nothing. Bye."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 785f5ac8fdad4aaab980854312150ff6
encoding: FLOAT32
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{"chroma:document": "Out of all different banks that I have dealt with, I have experienced most issues with TD Bank. I have personal banking account with TD Bank. My kids have student account with them. I have business checking account with them. Both my personal and business accounts I have nothing but issues when I want to get my money back from them - either cash withdrawal or wire transfer. I can say no issues with my Kid's student account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2cc949567ad94463a51d5ca555e0fa5e
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{"chroma:document": "More than week ago my TD interact Machine stopped working. Still could not fix and denied to give me loaner machine. TD have 3rd Party technicians. They have to order and wait for parts. I have been kept calling to customer service 3 times every day. They said there are called centre sitting in another country they can just send email to Canada. I pay rent $47 per month for interact machine through TD. Top of that all hidden charges that comes to me altogether almost $89-100/month. I do not Recommend TD Merchant Solution. They ripped off."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6922df76df6643389be4188288ee1fbb
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst bank to deal with. Especially when it comes to credit card service or support. You will always wait at least 1 hr on hold, can never talk to someone that can help, I repeat \"that can help\". It's always, \"Let me transfer you.\" Plus, their balances are way off. I am being billed thousands above what I purchased and no one can help resolve it. Stay away. I would pay off the balance and never deal with them again, but if I overpay, I will never see my money again. I am on my 4th attempt at speaking to someone and am on hold now for 55 minutes 19 seconds. Very frustrating."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc15751444224893bd6f7538497245b2
encoding: FLOAT32
metadata:
{"chroma:document": "I am writing this review if someone is looking for some honest review about TD bank. I am TD costumer since I came to Canada and all my services is with TD. Have been with TD for so many years and never felt happy to being with them. So many events I have been disappointed with their services. Among many problem just one example I want to mention is: Recently they had some glitch in their easy web service as I was trying to e-transfer the money to someone. I stopped trying because it was showing error message and requesting to try again. Later I received confirmation emails from TD that transfer completed for more than one time. I called TD and they said \u201cOh We are experiencing some technical problem\u201d. I spend one day to get those my money back from that person whereas TD didn\u2019t even do any follow up if I received my money back or not."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d6e6d37b0398421883384395ed296958
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank on 2 separate occasions has stolen money out of my account to pay a company I have no relationship with. I have never had an account with the company they keep paying on my behalf. They hold up my money for weeks causing me hardship and my actual creditors to be paid late and I\u2019m accruing the late fees. Due to their actions this month I will lose my health insurance. I\u2019m trying to find out the name and address of someone in their legal department so I can have them served. Any help would be greatly appreciated. Thank you. I have tried to gain this information from td bank but they will not give it out, I did file a fraud claim with the police department. Lisa **"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9b1a7fb6357e4659a5fc629c1f1ae4ab
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{"chroma:document": "I work with a carrier and needed to obtain a LOG. I sent the request a week or so ago so I called to obtain status. After holding for 20 mins, Shaquanda in customer service answered, I gave her the information she needed and she stated the info was incorrect so she would have to transfer me to someone else. I asked her to please reverify the information and she stated \"I can not help you, I will have to transfer you\" in a stern voice. Worst customer service EVR... Each time I call I am holding for over 20-30 mins and the reps are all rude. Just throw the whole company away and start over."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d515575ddcd48b19a11ec8fe728cc82
encoding: FLOAT32
metadata:
{"chroma:document": "I've Banked with TD Bank in Canada for 35 yrs. So while living in the US, I was happy to open my account with them there. One day I went to sign on to my online acct. and it said I didn't have an acct. I thought it was a tech error, so I called the bank. The lady looked me up and said, \"no you have an account, let's have a look\", then she said \"Oh, it looks like you've been shut down\". I was shocked! I always keep a minimum balance of 3,000 in my account. I've never bounced a check, nothing. I asked, \"Why?\" She said she'd need to check with her supervisor. Then came back and said \"I'm sorry. I don't know why your acct is shut down, nor did her supervisor\". She then offered me a phone number to call. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 26d2a52fb8804345804cadcb3a0f5bd4
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{"chroma:document": "I called customer service today to change my address because I am moving in 2 days. The man asked me to verify a resent transaction including amount and date, so I did. But then he said he couldn't verify it based on that, so be wanted to pull my credit file. I refused to let them pull my credit, and he said there were no other options and was very rude and condescending. I hung up and called back hoping to get someone more helpful only to find out that the previous guy had locked me out of my account (so I was not able to talk to customer service.). Customer service and the supervisor I insisted on talking to told me that their hands were tied because the other rep had shut down their ability to pull up my account. I didn't even realize something like that was possible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de447b6d3853452ea2a8c96b43a541cf
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{"chroma:document": "They charge account fees without any notification and illogical reasons. You can open accounts with your wife who doesn't speak English but you can't help her on the phone. They make it almost impossible if you want to close the account on the phone. Worst customer service I have ever seen in my life. Agents act as if they own the bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 94f506040fb6442e8dcbd801742eb716
encoding: FLOAT32
metadata:
{"chroma:document": "This TD Bank credit card used to be good years ago, not you almost get nothing back. Not worth the trouble anymore. You cannot make changes like you address online on their website. You have to call them for everything, because they do not have internal email messaging to send them messages within your log in. Very behind the times. I have told them before, not to mail me checks, but they do it anyway, I am tired of calling them. I do not want these checks to get into the wrong hands, plus I am moving."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a273464615ab4c3081a0a317ad648cac
encoding: FLOAT32
metadata:
{"chroma:document": "I paid of my line of credit more than a month ago & I paid some what over to be secured & I got told I will get it back within a week & lot of other promises that they sent out check already & the story don't have a end."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f508edf139a4314829d9b31733df258
encoding: FLOAT32
metadata:
{"chroma:document": "My girlfriend and I opened a TD Cross-Border account a couple years ago. She's in the US often, and we use it for travelling as well. She lives in Canada, I live in the US. I've read a few reviews here about the \"good service\". I can only surmise that those people don't get out of the house often, or are relatives of TD executives. It's absolute BS. This is the worst bank I've ever dealt with by a LONG shot. I guess that's what happens when you allow monopolies. TD Cross-Border has been trying to send us a new debit card for about a year. We just wanted to add a name to the original one. Luckily we have one that works. I was told, \"You need to visit a US branch.\" I'm in Detroit. The closest branch is in NYC."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ee4cbe71d194c2c90698207352fa6ed
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is not even a semblance of what it was originally when they were Commerce Bank. At that time I thought that they were the best bank I ever dealt with; and at the time they were. I was impressed with everything they did as Commerce and recommended many people to the bank. Everything was geared to the customer, from accessibility to no banking fees to customer service. I can go on forever. Then there was the fatal takeover by TD and the commercials by Regis Philbin promising that everything would remain the same. LIES!!! They have now deteriorated to a level of pure garbage. I'm writing this while I've been kept on hold for an hour and still waiting for a representative to get a \"supervisor\" that would help me with my online issue. I truly believe that they're waiting for me to hang up or that my phone to die. I am definitely leaving this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ddfbe13afe094f05ac5ca0aeab016e32
encoding: FLOAT32
metadata:
{"chroma:document": "Hello I have a Samsung account through TD Bank. I was human and forgot to pay the bill by maybe 5 days. I paid for Oct and Nov so there would be no issue in the future. They took all of my remaining credit and deleted it, in return messes with my credit score. I pay on time minus this one instance. TD has also charged and removed late fees that were applied days before the due date. I know I made a mistake by paying the bill a few days late, but taking over $2000 of available credit away really plummets a score."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63cc89189cb541c5afc92111860cd9ed
encoding: FLOAT32
metadata:
{"chroma:document": "Used a TD Bank debit as primary access to funds while traveling in Europe. Huge mistake. Account was repeatedly locked in spite of travel notice and plenty of money in account. On last day of trip account was locked again and in spite of four calls to customer service account remained locked as they couldn\u2019t verify account through email. Using international SIM card meant I could not receive the verification texts. They were unconcerned about the fact that I needed to use the card immediately to catch my flight on time. They kept saying wait 24 hours. Unbelievable. Very very poor service. Closed account as soon as I got home."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8be12d05da2c472c8d02d736317f721a
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metadata:
{"chroma:document": "The app is absolute garbage. I go pay to pay my rent and it tells me \"sorry try again later\". It's like \"okay but rent's due today. Real convenient app.\" Plus it says remember me on the password but never does. The website is just as bad and has the same problems. I wish I could meet whoever made this app so I can tell them they are a failure at life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c43b8c33a0fd437e87bc2405a25ae427
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{"chroma:document": "Back in December 2018 my account was hacked into. Their teller accepted a withdrawal in a large amount without asking the person for verification. Therefore, leaving my account at a negative. When I went to report, the manager accused me of filing a false complaint. After it was resolved, I was told that my account would be closed due to fraudulent activity."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 19c53f57e51b4cffb1ff55ef9938e5bc
encoding: FLOAT32
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{"chroma:document": "My name is Dilenia **, I am a customer of TD Bank, on October 30th, 2019, I noticed that I was charged two $35 of overdraft fees, not understanding why I called customer service for an explanation. The representative immediately advise me of my account being negative which I was already aware and I was also charged $105 overdraft fees within a period of 3 days, which I am also aware of the charges and I am in agreement with the charges. My issue becomes when I am charged $35 overdraft fee for a .99c charged and another $35 overdraft fee for a $4.99 charged. I feel these charges are unreasonable and decided to call customer service for my options and they told me I had none. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfe5481356514e778a72a95856b43885
encoding: FLOAT32
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{"chroma:document": "Please stay away from getting a credit card/financing through TD Bank. They are here to con you with the slightest of opportunity. I had purchased this HIIT from Proform, financed through TD Bank and had got zero percent interest finance. Unfortunately, the promotion period got expired in the month of March '19. Since, I never got any monthly statement, I wasn't aware of this. All of a sudden, when I saw the balance of $850 through my Credit Karma report, I was in for a shock. Called up customer service, and got to know that I have paid almost $800 in interest for the bike which was priced for $800. The customer service is not willing to waive off the interest charges now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ffbe8e4cbef3401faf10987023938374
encoding: FLOAT32
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{"chroma:document": "There is no way to access account in foreign country where the cell phone does not work. TD bank only gives choice to send the security code through text message or phone call. Both require phone connectivity. All other businesses I deal with always have EMAIL option. WIFI is widely available and I can use my desktop computer almost everywhere. Countries I have visited and not able to access my accounts are Thailand, Malaysia, Vietnam, Sri Lanka, Singapore, New Zealand, Australia, Cambodia, Japan. All these places have free WIFI in hotels."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 333f3729962c4ba4801feb0d031a4b1c
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{"chroma:document": "We had checking and savings, took a $25 \"maintenance\" fee for checking average daily balance dropping below $2500, got it refunded, next month took another $25 fee for ADB at 2499.21, would not refund, took all our money out the next day, guess fees are more important than keeping customers happy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 631194a5b4454121a7f2a6a4ad05810d
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{"chroma:document": "I open an account with TD Bank last year and I have never had such a horrible experience with a Bank like am having with them. They hold my workplace check for 9 days even though they claim to have your back 24 hours a day. I deposited the check 4 days ago and I still haven't been able to pay any of my bills. My Electricity is shut off. My phone will be shut off soon. It's a complete disaster. I would not recommend this bank to anyone because you deposit thinking that with all the technologies they will clear your check within 2 or 3 business days like a normal bank would but not, they have other plans with your money. Am sick and disgusted by their services. Everything about 24 hours working for you it's a lie, so sad and disappointing that am going thru all this because of TD Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b7740b22fa734fbcb6ef950644ce1ad4
encoding: FLOAT32
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{"chroma:document": "WARNING TD Bank\u2019s Management employee does NOT DISCLOSE. Admin please delete if not allowed. I got a letter from TD Bank on July 15th that they want me to close all my accounts and go elsewhere on by August 19th, 2019. I called the telephone banking center and they were not aware of any such notice. They recommended I walk into my branch with that letter."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9cb02ef54d4d4a16b7333bc20a8710ce
encoding: FLOAT32
metadata:
{"chroma:document": "I was notified today by another bank (Ally Bank) that someone posing as me (via identity theft) transferred 8K from my TD bank account to the Ally bank account they set up online using my name. Here's the problem... TD bank never found this online transaction to be suspicious or fraudulent nor did they take time to call me (their client) to verify if I in fact did want to transfer 8K to an online bank via a new account there. This would have been out of character for me to do, so the RED flag should have been raised and the transfer shouldn't have been allowed to go through. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5e94f7364a1848baa86e6486a46852b0
encoding: FLOAT32
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{"chroma:document": "Called local branch to find out how to handle non-delivery of new checks from Harland Clarke. Person answering phone handed me off to branch customer service who then connected me to 1-800 call center. Their response was for me to call the check issuing company who had already placed a charge on the account for requesting proof of delivery. POD link said checks were returned to supplier. After an argument re why I had to contact the check company chosen by the bank, I was given a refund of the charge but no answer as how to get new checks. After telling a supervisor I was unhappy with the check provider who took way past the 7-10 day delivery promise, I was told I could chose any check printing company I wanted so change the company printing my checks. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e0d687ef1e14e71926ca52f971cd4e3
encoding: FLOAT32
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{"chroma:document": "I\u2019ve been banking with TD for almost 3 years! I will now be closing my accounts on Monday! I was just told by a representative that reordering my transactions is not illegal and basically too bad. As an example if I have $200 left in my checking account and make a $5, $10 $50 and $200 purchases in that order when they pull the money from my account they pull the $200 charge first so instead of owing them the $35 overdraft charge I should I now owe $140 for each purchase I made. Supposedly they will only charge you up too 5 overdrafts in one business day but don\u2019t count on that because they will just hold other pending transactions to the following business day to ensure they can charge you more! So in the last 5 days I\u2019ve been charged just under $700 in overdraft fees (95% of my transactions were under $10 coffees etc) "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88b0791239204944a762cdae73526a95
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible customer phone service. Couldn't find my account number. Gave them all info they asked for and more, then designated me as unable to verify info when I called back with account number and refused to discuss my problem and told me I must now drive to a branch. People at customer service horribly rude. I have closed both my accounts with them and couldn't be happier. Screw you TD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2024423f872140739283c0f64d02bf1f
encoding: FLOAT32
metadata:
{"chroma:document": "Why do I need to be in the country and go directly in a bank if a secure message said to verify myself and I did so over the phone? I gave every piece of information they asked for. Then was told to rectify my issue, I have to go into a bank directly. After almost waiting an hour for the call to be answered, speaking to 2 people. Someone referred this bank to me and honestly, I have been very disappointed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4672a775a6d04041bb1f507f4c71e3e7
encoding: FLOAT32
metadata:
{"chroma:document": "I have left TD Bank due to the fact that if I went and deposited CASH, they would hold the funds as \"pending\" until the next day. So, with the understanding I had available funds, would spend money using my debit card and get hit with overdraft fees! Not only that, they re-prioritize to have payable first, then deposits (even when depositing cash). So, if you make a deposit and deduct on the same day, they will take the deductions before crediting the deposit. So, that $20 in fuel you put in your car Friday afternoon after you deposit a check might just cost you $55!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e04943cd92eb44b384ffcbd4ff4e90af
encoding: FLOAT32
metadata:
{"chroma:document": "I set up direct deposit and they never took my payment. I called them because my statement clearly states that my direct deposit was set up and the website showed my payment was pending. They wouldn't pick up and my hold times were over an hour. Never was able to resolve this. I took pictures of everything and kept my bills. Hoping they do not take multiple payments from my account. They also locked my online account now and of course you can't unlock it without calling customer service. The whole experience AND company is a joke."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d500b325f7f5489db7c143565acad41f
encoding: FLOAT32
metadata:
{"chroma:document": "Okay So I Got My TD Card Last Week & Ordered A 3 products off wish. With it I also opened a Paypal account with my account set up to it. I downloaded the TD online app so that I could keep track of my account. I logged in, came off the app, went back on later and it was not accepting the log in information so I had to change the password... I had to change it about 3-4 times... only to see it saying that something is wrong. I need to talk to someone. I called. They said to go to the bank. I went to the bank and they are telling me that the FBI closed down my account. And I can't open another account with TD. I really don\u2019t know why and I really don\u2019t understand what is going on. Why was my account closed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c9f58352d874fb3bb518058f15a9eab
encoding: FLOAT32
metadata:
{"chroma:document": "Poor service, racial profiling, discrimination, and racism. I voiced my concerns about the poor service, my observations, and concerns. The entire time I was sitting down. I never used foul language, and no threats. She did not like my tone, and what I had to say which was only the truth. I am sitting down, closing my accounts, and she calls the police. The police! She had absolutely no reason to do that, no laws were broken. Why do ** people always call the cops on minorities! Why? They must like having minorities shot, and killed for no reason. I have more education, more degrees, and licenses than her. I would never jeopardize my name, or family. What she did was false, a false accusation. She had absolutely no reason to do that except out of spite, vindictiveness, and plain evil!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1049a6a3687f48dea22430d8c3c311ef
encoding: FLOAT32
metadata:
{"chroma:document": "If you ever make a mistake & they charge you a late fee they will only MAYBE refund it ONCE during the whole 30 years!!!! What a greedy company. I'm very disappointed in them. I will not recommend them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e12ab45047043be8376e4cba701a785
encoding: FLOAT32
metadata:
{"chroma:document": "I got a credit card from TD Bank and after one month my card was stolen and had fraudulent charges on the card. The minute I saw that the charges were on my card I called and reported them as fraud. Over three weeks later I got a letter that told me that they believe that the charges were fraud. The charges on the account were for an AT&T bill, McDonald\u2019s and to Amazon purchases. The AT&T bill was the most confusing because I don\u2019t have AT&T nor does anyone I know have AT&T. The Amazon purchases were going to a different state than I\u2019ve ever even lived in and were used with my amazon account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e429ec99308842fc88ac12e2ce641f74
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metadata:
{"chroma:document": "In December 2018 I was sent a promotional email from TDBank guaranteeing 2.5% interest savings account. I did all the things they required for the promotion. I opened an account. I deposited new money meeting the minimum deposit and I made a minimum of 3 transactions per month. TD Bank failed to honor the 2.5% interest rate they guaranteed in their promotional email. As of today, I've had my account with them for 6 months and only 2 of those months did they honor the 2.5% interest. When I called them to find out why I wasn't getting the interest, they said they would go back and manually add the interest for those months it wasn't honored but I would no longer be getting 2.5%. They would, however, offer me 1.7% for the next 60 days and then I'd drop down to 0.005%. Stay away from this bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 51e9b7ef05d9417e9dc2e925637c0352
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metadata:
{"chroma:document": "If you get a gift card from TD Bank and you don't use it within a year you will lose your money. They apply administration fees! Never heard such of thing. I wanted to use my card for a special day and now the balance is zero. I am telling my friends not to buy those cards."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7741f7b8b4874741b92bda5436a43410
encoding: FLOAT32
metadata:
{"chroma:document": "My local branch is great. I need to convert some US money into Canadian money so that I could go to a broker who charges less than half in broker fees than the bank. I am a long time customer and my local branch had no trouble accepting a US check and giving me cash to take to broker. Once I converted to CA, I deposited the money into my normal Canadian dollar account. I do not live in Toronto where the broker is. I went to a TD bank near the broker to convert more money. They refused to honour my US cheque. They wanted me to deposit it into my Canadian account at a loss of about $100 compared to the broker. They offered to see if they could match the broker's rate but only knocked off another $20. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 656a3f4705184687bb0130b03404ce76
encoding: FLOAT32
metadata:
{"chroma:document": "Made some purchases online, as I do multiple times per week with my TD credit card. One of the purchases was blocked by TD fraud department and thus my card was unusable. I called the fraud department to release the block. The customer service agent verified my information and all transactions -- great! She said the next step was to send a verification code through text message to the number on my account. She said that although the number is attached to my TD account, she could not send a verification code. I still have no idea what the issue was but her only solution was for me to go into a TD Bank location to verify my credit card although there are NO branches in my state."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb04224895fa4e30aea2bd55642a0549
encoding: FLOAT32
metadata:
{"chroma:document": "A sum of money was stolen from my bank account minutes after a fraudulent cheque was deposited into said account. I made a report to TD Bank, after 14 days my claim was denied. There was no sympathy, no advice, no information, no paper trail given. I am very disappointed with this bank. It is unfair that they expect me to simply walk away from my money that was stolen. I think the bank should do more to help persons affected by fraud and give customers more thorough feedback on their findings. I will NEVER bank with TD again. I do not trust them to protect my money. If I wanted to lose my money I would keep it in my pillow or under my mattress."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 76b96dac9a9647beb4007ce6b3cff438
encoding: FLOAT32
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{"chroma:document": "Is it me or every time I call TD customer service they say I have to validate myself, walk into a branch to do so? This is the third time in three calls. And, their supervisors are the most useless people in the world. One day I asked a representative who couldn\u2019t help me to speak with their supervisor, of course the supervisor couldn\u2019t either so I asked the supervisor \u201cWhat can you do that a regular representative can't?\u201d She said \u201cI\u2019m only here to give a second opinion\u201d. WHAT!!! So you're basically useless. I also think it\u2019s more to why they can\u2019t help me but I want to leave that for someone who can help me file a real complaint. Anybody who can help me get this complaint to someone who can take action please let me know."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a15548c17e04e268b1b385e87deb069
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metadata:
{"chroma:document": "TD Bank is the absolute worst, my husband and I combined have banked with BMO, CIBC, RBC, and TD. They target students and immigrants yet their customer service, care and retention are terrible. My husband experienced a fraud on his account and after countless phone calls, two meetings with managers they are claiming that he did not report it....yet he has a claim number from the fraud department when we call. AVOID BANKING WITH TD AT ALL COSTS. Take their promotion to another institution and they can likely match it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0934f102f22b4fa9b0a401c21749cf54
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metadata:
{"chroma:document": "TD Bank did not protect my money. This happened in January. It's now August and I do not have my money back. I've been a good customer for 10 years and that didn't count as anything. I was scammed by a company who claimed they would send me a free bottle of Keto pills and all I had to do was pay $4.95 shipping. There was no agreement. There was no fine print just \"click here to receive your keto pills.\" They said it was from the show Shark Tank. I was interested so I ordered them. I received them Plus a different bottle of pills that they charged me an extra $3.95 shipping. I wasn't going to dispute the the second bottle because it wasn't a lot of money and I really didn't need the hassle. One week later I got charged $160 from the keto company. First I researched the company and found out that there were many complaints of people who been scammed by them. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ab57421719f43d68f9c24e2322208ea
encoding: FLOAT32
metadata:
{"chroma:document": "WORST BANK!!!! I have never been so annoyed in my life!!!! My debit card expires 9/19. I called to get a new one because every bill I have from my business and home is attached to that card. They tell me they are sending a new one, it will be here in 10 days. GREAT! The one I have wont expire...WRONG!!! They shut down my debit card, ALL my bills bounced back. I cannot get money out, I cannot buy anything online. I have NO access to my money unless I go to a BRANCH which is 45 minutes from where I am... I literally have no access to any of my money. When I called they said it's because it's a different expiration date. Ok, great. Can I have the new expiration date, \"NO\" they said. \"We can't give that information!!!\" SERIOUSLY!!! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea634d3297fb46b78390b83d0ceb3961
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{"chroma:document": "I opened both a personal checking account and an account for a parent's estate at TD. The staff at my nearest local \"store\" are consistently friendly. The assistant managers are helpful, and the bank's weekend hours are very useful. The online banking tools provide basic functions. However, for more than a year, I have consistently found in-person service to be slow and unpredictable. I have been unable to get documents and information I need via TD online banking, and several times I have been bounced between phone support and in-person support as I tried to resolve loose ends in my father's lifetime TD accounts as his executor. I would not recommend using this bank for any business more complicated than simple transactions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa17497e0e5b471681389c3280a2a385
encoding: FLOAT32
metadata:
{"chroma:document": "These people are diabolical when a mother or father passes away. They don't care. Their main interest is to keep their cash collecting interest while creating excuses.. More paperwork needed, the person in charge is on vacation, the seal cannot be read, you need this document this day, the next week they can't find it, you need this other document now, whoops, lost that one too, \"I will get Anna to call you back on Friday.\" NEVER does, EVER. You call, new excuse, she's away until end of month, you need this paper. NO you have it already. OH, we can't find it. You need another! Months pass away. These people are INSANE, DIABOLICAL, LIARS, and THIEVES that ENJOY making your life miserable.."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 37bad2a37995428e825e7e9e2b811dd8
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been using TD Bank's online services for approximately 5 years without a problem. I can transfer money from my checking account within TD and to non TD banks. I love their mobile check deposit service... Very convenient! I pay almost all of my bills with their bill pay service. Their staff is mostly courteous and they are open more than my other local banks. One amazing feature that my previous bank didn\u2019t offer is TD\u2019s ability to very quickly generate a bank card at their branches. Great bank. Thanks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d26d1252296e4c69ac38d753a04e36fc
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank had been right there for me in all my banking needs. It's fast and easy to track your money along with any transaction you may have. Online banking has never been easier. It's been a pleasure to finally have a bank to settle into."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91870972ec85482ca33576ffc8324a25
encoding: FLOAT32
metadata:
{"chroma:document": "Filed extremely legitimate disputes with detailed pages with documents of over 50 pages in some cases and their dispute dept is wildly incompetent. They don't call, and if they do call to follow up they lie and say they left a voicemail. The investigators from fraud and claims I was told by a manager after enough complaining that all the fraud and claims investigators are outsourced to another country and possibly not even in the same company. They review your case and all they do is make an assessment about if they send your case to Visa for a dispute will they definitely win or not."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9bc99b76095a48edb58795ab6810600f
encoding: FLOAT32
metadata:
{"chroma:document": "Great service from its employees on every branch always, they greets you with a smile on their faces and willing to help without thinking about it. Accessible branches throughout all Greater New York City area and they don\u2019t overcharges the customers and what is even better, they\u2019re up to date with the technology."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd2233b9c8bd4868b13ebf53cca159de
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{"chroma:document": "Our company account had an incoming wire transfer on 7/19 for over $ 6000.00. Our company name was not fully stated in the wire (I learned this on the 7/26 visiting our TD Branch office) instructions therefore TD requested an amendment which was sent on 7/29 to TD by the wire sending bank. According TD this was not received therefore it was resent on 2nd of Aug. again. On Aug. 4th TD stated again it was not received. This transaction handled by TD wire dept. is beyond any words. First of all originally the funds arrived to our account in 2 days and the sent amendments were swift sent the same way it had to arrived. I have never got any email or notifications from TD regarding the uphold status of this transfer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec720e45464847a09fa5d880c5c30fb0
encoding: FLOAT32
metadata:
{"chroma:document": "I only use it to check the account. No transaction. To see what checks was clean, balance and able to project. No service fees. I can't say anymore than that. I was just introduce for I to check, they need to send via text a number I need to enter to get in."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b75a728803324830b01633b8c6dafdea
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{"chroma:document": "I have had TD bank for about a year. They had provided good service up until May 17. Following that every time I logged into my account they sent a one time use security code by phone. I am traveling Internationally and while I should be receiving the message but am not due no phone signal. I cannot call the on that number either which would be free. Calling on my Costa Rica phone costs $4 a minute. TD puts me on hold 10 to 15 minutes. That's $40 to $60 before we begin talking. I keep saying please no more security like this. I can handle things and will let you know if there is a problem. All would be corrected if the code were sent to my registered e-mail. And while my e-mail is as secure as it gets, anyone with a scanner can receive my phone calls and texts. Little good that would do them. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Great service. Great atmosphere. The hours are the best so that you can do your banking when you want to do. It is a very clean environment. Coffee or tea is offered for those who would like to have one."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d219361c5cf458b8ec1cefd81297449
encoding: FLOAT32
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{"chroma:document": "I received a statement from TD bank stating my checking account has a -$32.00 because of two $16.00 service charges on a zero balance account. The problem is I do not or have I ever had an account of any kind with TD bank. When I called to try to find out what is going on customer service would not help me because I would not give them my SS #. I tried to explain to them that since there seems to be some kind of possible fraud I am not about to give my SS# to some company I do not know. Next I was told that their fraud dept. had probably caught this and they were going to deal with it. Why would someone open a checking account in my name when there is no money involved. I think this must be some kind of error or whatever on the part of the bank. TD customer service was not helpful at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cbf9ab70755342829530e855cfaf876b
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metadata:
{"chroma:document": "Online banking with TD is good. It provides secure connection and web site is clear and easy accessible. Rarely had any issue. I can deposit my cheques with mobile app. Customer service is great. Can review my last 1 year statement. Can pay my bills online."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4702331edf2440229aa4071a30acb918
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{"chroma:document": "Have dealt with this bank for decades without a single problem. Statements are clear and easy to understand and reconcile. In person contact with numerous branches in VT and FL easy and staff are always helpful. Only one downside, as I have considered cash in checking account, I wish they would make a concerted effort (reach out to me) to offer CD's or other products that would earn income."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef72bf934503491fa0bff9d7d3d8151b
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{"chroma:document": "I like the convenience of online deposit with a check picture but otherwise their fees are outrageous. Their balance requirements in order to avoid fees only fit the rich and wealthy. They pay $4.99 for a debit transaction that they should have decline and charge you a $35 fee. That's robbing a customer. If you have pending money and a transaction comes through they still charge the fee. There should be a bank that has the poor in mind."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 284d7d6436bc4db88ddb37a3812d2692
encoding: FLOAT32
metadata:
{"chroma:document": "This bank kept charging me late payment even though I signed up for auto payment, then the deny that I signed up for auto payment even though my sign in bank web site says I am enrolled in auto payment. Stay away from this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a8610ea2bc8a488aa7a73e75a05b9add
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{"chroma:document": "I had two attempts with online theft from my account in the past year, TD immediately rectified the situation before I became a victim. Also I received reduced rates on bank services such as unlimited chequing, certified chequers, when I turned 60 years."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 25ffe37018434c728fadc40cf99ca84c
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{"chroma:document": "I have included a car loan TD Bank/TD Finance upon my past court loan while fully being firm & not flexible with monthly amounts being included. I also had included medical areas for interfering my monthly amount for additional charges, but they have logically allowed their reductions while working within a family business style & not our rip-off style within many other Auto Loan areas."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d80f2ae8ed1940d3a2029d9445642356
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst bank I have ever dealt with. 800 Customer service is rude and inexperienced and wait times are typically in excess of 15-20 minutes. TD Bank also charges excessive fees for EVERYTHING. Other banks have fees (lower than TD Bank's) but with easy ways to avoid them - NOT TD bank. You can do much better elsewhere. Online account management is one of the most cumbersome interfaces imaginable, and every time I sign on now I am prompted for my fingerprint, even though I have said NO probably 1,000 times. I'm done with this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d898c81ae5648a0a240f69e22ce858d
encoding: FLOAT32
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{"chroma:document": "I am paying down a mortgage that I have with TD BANK. Each month I call in the extra payment that I transfer from my checking account to the mortgage loan. On a regular basis, this bank doesn't not follow through accurately with my request. Instead of paying the entire amount to principal, \"they\" split the payment between principal and interest. It takes numerous phone calls to Customer Service to straighten out the situation. Even then, I need to follow up by going into a branch and requesting that a Customer Service representative contact the \"mortgage department to rectify the problem.\" The process is burdensome and requires too much time for a simple transaction! TD Bank is not set up to handle these type of transactions! As soon as I pay off my mortgage, I will close my accounts!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 40190b5397224f60a63ed5a772307937
encoding: FLOAT32
metadata:
{"chroma:document": "I have used TD Bank for 4-5 years with no problem until this month. I split my time between Florida and Thailand and when I started my annual stay in Thailand this month I was asked to obtain a security code several days later. I have a USA phone number here so I don\u2019t anticipate a problem but there is a big one because I was unable to receive a code by text or telephone. Customer Service was very unhelpful and one person suggested that I have someone in USA receive security codes for me which is ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c306c0ac56f94ff1a4856debc78f7b1a
encoding: FLOAT32
metadata:
{"chroma:document": "I had placed a stop payment on a payment over 2 weeks ago. I was concerned when I had called to get it processed. Rep stated she processed it and will not go through. Even confirmed the name and amount with me. Here it is today 7/18 the payment I placed a stop payment on had gone through. I called the bank and rep I spoke to stated the rep had processed it incorrectly on her end with the name of the company. He apologizes for her mistake and stated his supervisor will not refund me the 459.00 they took out on their huge error. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db8ac68f78de4d8db96b603d6f97e3ff
encoding: FLOAT32
metadata:
{"chroma:document": "I purchased my automobile 11 months ago from Benson Fiat. They finance through TD Bank. They were very helpful with getting me the best rate so that my payment was affordable. I also had very short wait time, my financing was approved really quick."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97b25b1e38e0448d81ee36dfeccf884e
encoding: FLOAT32
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{"chroma:document": "I have transferred my credit card balance from another American Express to TD. It said 3% transfer fee for a whole year 0 interest rate. This is completely a lie. If you still using the TD credit card at the same time, when you pay your purchase every month. The money won\u2019t go to pay the purchase you make, instead, you pay the whole amount of money including the balance transfer. I wonder why I pay my purchase every month and I still have to pay interest all time. I called, what they said if I still use the credit card, when I pay my purchase, the money won\u2019t only pay the money I spend. It has to pay the balance transfer money as well. And if I need to stop the interest, I have to pay whole amount including the balance transfer. But in the ads, they said \"0 interest\" for a year. Now they ask me to pay the money back to stop the interest after I paid 3% transfer fee. It\u2019s totally a lie!!! No more TD for my life. Goodbye to the business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 456d261a7469403992ac8914a9643e86
encoding: FLOAT32
metadata:
{"chroma:document": "Someone order a Capital One credit card under my account but not in my name. My balance is now -1000. I called they said they close the account. To go to a department store and get a new account. I did, I then ask them, \"Okay since I got paid today are you guys going return my money?\" They said, \"Your case is pending. We need to wait for it to be resolve for.\" Why do you guys do this, why do you guys acting like people don\u2019t have bills to pay, rent, go to work or eat. What you expect me to do now, how will I work, how will I pay my bill? This is share **. I believe stuff like this should be their number one priority and instead of 10 days it should be more faster. \u201cWhat you don\u2019t like for yourself don\u2019t do to other.\u201d"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f3481362949415c8ea7251224b4e065
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with TD Bank for over 10 years, started when they were Bank. One thing that is consistent is the customer service reps when you call the 800 lines are really not nice. This is not just one person but the people they have working in customer service are not nice and miserable. I never have a problem with the branch staff and they are always friendly. Because of this consistent poor customer service, I really have made the choice to go to another bank. It is a Legendary service alright. Legendary for its cranky miserable customer service staff. Try to genuinely execute exemplary customer service skills rather than sound like you are annoyed that someone called you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 270eb7e0f5334b909b7c06735939241a
encoding: FLOAT32
metadata:
{"chroma:document": "Going on a year of \"file a police report and we'll refund your STOLEN $$.\" (They caught the INITIAL fraud charge in a city I haven't been to in 15 yrs (last year) of $100(+-). Upon reviewing transaction history I find ANOTHER $400 worth of fraud (just off interstate of other cities I've NEVER BEEN IN in my 50 yrs in FL.) Then receive their determination (after police report is filed) \"we've determined the fraud did not occur.\" (After they caught the initial fraud and made my Debit card inoperable as I attempted use of which how (I) Discovered I was defrauded. Way to go TD. You're the \"most (INCONVENIENT) bank\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a329137ed2b9416680e044184e6dff05
encoding: FLOAT32
metadata:
{"chroma:document": "This insurance co does biz in Canada, I do not know if they also insure in the US but premiums are very good if you have a good driving record and good credit history. I have been insuring with them for 11 years and premiums have stayed reasonable. Claims are a bit slow to be processed. Otherwise great service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c14fc96aa1343e284cf931e82c78fff
encoding: FLOAT32
metadata:
{"chroma:document": "I couldn't login to online banking because my phone number changed, and when I called customer support they couldn't do anything about it, and were extremely unhelpful. Apparently it's a common issue because the guy on the other end knew what the problem was before I stated it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b1678ca93c44588a4c59fb23d307b80
encoding: FLOAT32
metadata:
{"chroma:document": "I just received a letter stating that they no longer wish to provide their services. They closed my business and private accounts plus 3 credit cards. No explanation just a phone number to call my account specialist. I called and he said they don't have any info and they don't have to give it to me. I was with this bank for 15 years. Have great credit rating yet l was treated like a criminal. This put my business in big jeopardy as the line of credit we had was very important for every day business. I cannot believe they treat customers like that. This is terrible. I took my business somewhere else. Never again will l deal with them. Be warned!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b39d501e41c4f9eb1f58c66d0681b0c
encoding: FLOAT32
metadata:
{"chroma:document": "Why Bank with a Canadian Bank with minimal branches and high monthly fees in the USA when you can bank with Bank of America, 5th/Third, Chase or many other US banks without all of the BS Fees TD Charges and branches at every street corner? I purchase a company in PA recently that banked with TD and had a branch in the local town. In August, I decided to switch to Bank of America. We had 3 accounts with TD. I advised them in writing via their web portal on at least five occasions to close the accounts. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c6dc3ed254245d4860b9da72fcd81c3
encoding: FLOAT32
metadata:
{"chroma:document": "I don't understand how a customer service department could be run as poorly as TD bank does its telephone customer service. The bank really needs to hire some management folks who know what they are doing. Today's wait time is 20 minutes, and it's been like that pretty much every time I've tried to reach them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 390a70ec20374f5eacd9a14139b8079c
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with TD before, when they were Commerce Bank. I was in the hospital for an extended period of time. I purchased a gift through Google for my daughter's birthday. It was never delivered. After asking my daughter several times if she received a delivery she said no each time. This was early 10/18. Being hospitalized I couldn't make calls for many reasons. I called TD customer service. I explained the circumstances and he never suggested to open an investigation. Meanwhile throughout this period of time I've spoken to many many customer service representatives and I've put together many pieces to the puzzle in how unscrupulous TD Bank does not help their customers!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 350652a4db64478a8ba9beb40ee7dd4b
encoding: FLOAT32
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{"chroma:document": "I have been a TD Bank customer for over 15 years. It was called Commerce Bank when I signed on with them to give you some perspective. I am a loyal customer and have been in good standing with the bank for as long as I can remember. Recently, I have been having an issue with their overdraft fees because ONE charge clears in my account IN THE MIDDLE OF THE NIGHT ABOUT 2 HRS PRIOR TO MY DIRECT DEPOSIT. This happened 2 weeks ago and they reversed it, since like I said, I am a good customer. So, today is Tuesday and I notice there is now an overdraft fee that is cleared in my acct from yesterday. Now mind you, I am not wealthy so I do need to check my acct on a regular basis just to make sure everything is in order. With that said, I checked my acct yesterday and there was no charge for an overdraft fee, pending or otherwise. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b970f8a964ae4752a1562c4e1b9d71df
encoding: FLOAT32
metadata:
{"chroma:document": "I rely on bill pay from my bank as it is the only way I can keep track of everything in one place. I called TD Bank last week to let them know, and they said I would have to go to the local TD Bank and let them know the issue. I called TD Bank, and they said, \"we have nothing to do with Bill pay, that is an outside company.\" I then called tech support, and they said it would be fixed within the hour. I called them again on Monday, and they said, they were still having issues. Today still not fixed. This is very concerning, as how do I know they have paid the bills I already scheduled."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1df72d3a57954d9d8f4f567c44886d13
encoding: FLOAT32
metadata:
{"chroma:document": "The level of incompetence shown by this institution\u2019s employees is incredible. TD BANK will not get any more of my hard-earned dollars. I will take my money elsewhere, TD cannot be trusted. Closing my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11f842f40308470eb5914321eb1b3ad3
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{"chroma:document": "I call to get the 0% on the NordicTrack. I was buying it on NordicTrack website. They had my SS number, my address and I told them I was at my sister house and they want to send code to my home number but refused to send to my cell. I told I would call them tomorrow and my credit score drop 12 points when I woke because they denied me with 802 credit score. I just put it on my Citi Costco card. I'll never do business with TD Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 39e626562ca944ea844d0d29c49e337d
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{"chroma:document": "As an old TD customer, I want to share with you my last bad experience with a TD branch. There is a TD branch at Bayview and ** Plaza in North York, Ontario. There is an employee at this branch which seems to be the branch manager but her banking knowledge is less than a teller, even less than her customers. The employee name is \"Jesica\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d8896d0e6954aba9e7c01e20cdf0481
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{"chroma:document": "We called in to expedite a transfer by Zelle faster. The rep stated that TD Bank does not control the transfers and we would have to call Zelle directly. We chose to just use the card instead of moving funds but our card declined and we called in again speaking to someone else whom stated cannot verify my card so I provided my name for account verification. She then asked if she can send a code to my new phone number but then said she cannot use that because it has to be on the account for a long while, which is odd, so I gave my husband's number which has been on the account since we opened it and she said she cant use that either. Then said I can go to a branch to resolve, I stated, \"There is no branch here in GA so what is another option?\" She said, \"Oh there isn't one.\" "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c5d51463c3c4f4cad2b418862aef86a
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{"chroma:document": "I have been a happy customer of the TD Bank for many years.... until the past 2 weeks. My online Savings account was hacked through a trojan virus and I was defrauded of almost 6 thousand dollars. I reported the fraud immediately and was told by a Fraud Investigator that I would be reimbursed because fraud was involved. I have not lost my bank card. I have not given my account # or password to anyone. I changed my password 6 months ago. When I checked last week to see when I would be reimbursed I was told my claim was denied. No reason given. I am supposed to get a letter but I was told there would be no reason given in the letter either. I am appealing the decision because I am a senior living on pension. I can't afford to lose the money. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5700717d3c264a66b3c984f5e70deb2c
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{"chroma:document": "We went in to open a business account. The person we were dealing with to set up the account was rude, very unprofessional and even gave us the impression she didn't want to set up the account. We will never ever step in a TD bank again. Customers should never have to deal with people like this. If they can't deal with their customers with better customer service they should close this branch end of story. I have read the reviews on this branch and as I read this same person we dealt with today has a few bad reviews already on her. Seeing this just shows TD has zero respect for customers by allowing this person to still be employed there. Like I said never again. Oh and my family and friends are going to close their accounts with TD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f9849a7fbd24b6fb4f5eaf23819a746
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{"chroma:document": "I set up a Bill Pay for an amount, five days before it was set to go out. I went on the app, went to pay a bill, chose the one I wanted to change, hit edit payment, and changed the amount and saved it. Instead of the payment being changed it sent the original one and the new one. Which resulted in me getting two overdraft fees (if the one was sent that was supposed to instead of both I wouldn't have received any) when I called they said it was user error. They said I had to cancel the other one to stop it. If that is the case then it shouldn't be an option to change it if you can't actually change it. I will be switching all my account next time I go on leave from the military."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec856af02e2a4401ba026a7cf6398b44
encoding: FLOAT32
metadata:
{"chroma:document": "Because I don't want to go through the hassle of closing my account, for the past TWO years I have tried to work with TD (associates, security and management) on my Online Banking problem. I cannot continue wasting 45 min-1 hr each week to access my account and this week I am closing my account. SECURITY? When I forgot my SS# the TD Associate was able to pull it up and read it off for me. In today's world of Internet Banking, if a bank cannot maintain their online accounts - then I have to wonder about the rest of their banking methods. Sincerely, CLTP."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b9a5ca8950364aceb609a3081f916289
encoding: FLOAT32
metadata:
{"chroma:document": "I have tried to make additional principal payments and it is CONTINUALLY applied to my monthly payment. I have called over the course of the last 3 years at least 15 times to get things straight. Apparently they use a third party for input and they are unable to read \"additional principal only\" or see a yellow highlighted area!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 25f6246e9d6e4b7494b73bf13fe2840b
encoding: FLOAT32
metadata:
{"chroma:document": "More than 3 weeks ago my husband and I noticed two withdrawals from our account for a total of 8500 which we did not make. We immediately called the bank to report this and have been told and provided documents that indicate TD tellers in two separate banks in CT gave funds to someone who didn't have either our account number or an ATM card for our account and presented ID bearing an inaccurate driver's license number, incorrect birth date and a signature that isn't even close to the on file signature. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18f5f40020af438bb74bd40640634dce
encoding: FLOAT32
metadata:
{"chroma:document": "I left TD back in 2016 because of high interest rates and went to low fees bank. After getting a promotion and significant six figure salary increase, I decided I needed more services so I went back to TD. What a massive mistake! I'm traveling for work and a friend contacted me needing a temporary loan, I tried to email transfer money and my account was blocked for security reasons, sounds like a reasonable precaution right? I was informed I had to go into a bank while on the road to unlock my account, which I happily complied with taking time out of my very busy workday. Upon speaking with customer service at the bank the money transfer went through and I was told the problem was resolved, great right? NO...! Two days later I try to use the account again, once again I was locked out. I called into the help line and waited on hold only to be told I had to go back into a bank with two pieces of ID again. Like a complete fool I did."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e501d8b5939c43aba4c30b105acb420f
encoding: FLOAT32
metadata:
{"chroma:document": "I gave two chances to this bank in different point of time and should say they are consistently horrible. They don't deliver on advertised product values. Phone customer service is almost nonexisting. Customer serv reps have no answers to any questions and always sends you to the branch. But funny enough people at the branch also know nothing and cannot help. Each information I received in most cases was incorrect. Online banking and payments products are pre-historical, they don't have any convenient and new services for managing your payments needs. Both of my interaction with this bank ended up by terminating any relationship. Will never come back!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c854fb9dd29c4a2687fd2dc2fc641bd5
encoding: FLOAT32
metadata:
{"chroma:document": "Please keep in mind when setting up voice recognition with TD Bank that if it doesn\u2019t work you have to go to a branch to remove it. Customer service will not help you on the phone. This is not Americans' most convenient bank. Horrible service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4789adb8566c49d1bfa5461d7bbd2b3f
encoding: FLOAT32
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{"chroma:document": "This bank is extremely predatory. They say that their online banking is not effective in showing your transactions, and that you should keep a check register. So they can hit you with excessive overdraft fees. I\u2019ve gotten $400 in overdraft fees in one week. They process your transactions so you will you overdraft. They are not flexible, there are no limitations on how many times you can overdraft in a day. They will just keep adding overdrafts to your account. They only allow one allowance a year. There is no grace period. I\u2019ve been giving them the benefit of the doubt for a year, and after reading these reviews where they try to divert me and make me feel bad, I\u2019m glad I\u2019m not the only one. Banking made easier...yeah right."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 99cb2f805f5c436994878eaf9aea7b21
encoding: FLOAT32
metadata:
{"chroma:document": "The absolute worst bank ever!!!! Shady practices! I work hard for my money and TD Bank has charged me for transactions I never made. And then they want to try and make me feel as if I don't understand how banking works. Complete frauds! If you work hard for your money and want to open an account where you feel safe & secure, DO NOT PATRONIZE TD BANK for your financial needs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8767fe8e303246beacd1262be516d820
encoding: FLOAT32
metadata:
{"chroma:document": "Buyer Beware. It has been 6 months since I opened a premier checking account with direct deposit at TD Bank and I still have not received the $300 promotion offer I received in the mail despite following up with TD several times. TD has fine print and other excuses and tricks to constantly delay or avoid paying the customer the promised incentive. I know of other banks that honor their promotion without the customer having to inquire and complain to get it. TD just uses the lure of a financial incentive to get new customers, and then once they have them, they don't pay it. Unscrupulous to say the least."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f0ad2801e81f48929dd0deb6ee0c924f
encoding: FLOAT32
metadata:
{"chroma:document": "I am having a claim of money taken out of my account. I was told by the agent to go to the bank am have them fax the paperwork over to them. This women said she does not know the fax number. This is her bank. She could not help me. Every time I go to this bank the service is terrible. Get people who know how to do their job."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18682f326ea54981b557d965dc6c5e39
encoding: FLOAT32
metadata:
{"chroma:document": "Rips Off Senior Citizens. My checking account was $3.00 short for 2 days. I am 65 years old. I get my part-time job pay deposited into the account. THEY REFUSED to help me with a $9.00 A MONTH CHARGE. THAT TOOK $9 FOR A $3 shortfall in the minimum balance -- NOT AN OVERDRAFT - just the monthly minimum to avoid fees. THEY MAKE $120 A YEAR -- on my money -- they could not help me out? NO RELATIONSHIP MANAGEMENT since the Canadian bank took over, NONE. Leave them, I am!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18954d918f57448b9ca3240858a9ac50
encoding: FLOAT32
metadata:
{"chroma:document": "On April 6 2019 at approximately 9:45 am, I went into TD Bank at Kennedy and Eglinton and went to bank machine number TD 2032. I deposited $1,400 into the machine. The machine refused one of the $20 bills and it was pushed back out. The machine started to count and said CASH IS BEING VERIFIED. The machine was taking too long and there was no sound. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b2d2ec6d7994096b321fbca2135648f
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is a joke, I called the customer service, and then talked to a account advisor called first name Sydney. I was a new customer and first time calling their customer service because I needed help to login into my account then they asked me to verify my password which I did not remember because I opened this specific account online and I never created a password there!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f23a2731bc744198fe190b595de0357
encoding: FLOAT32
metadata:
{"chroma:document": "I DO NOT RECOMMEND THIS CARD. First of all, it is TD Bank not Ally (itself) which manages this credit card - so you don't get the benefit of the consistently good/just service of Ally. TD seems to have a history of not fulfilling the \"welcome bonus\" of $100.00 and of course, they didn't honor it for me after I spent $1800 (advertisement is >$500) on the card within 3 months of receiving it. Furthermore, you cannot redeem cash rewards or even statement credit until you reach $25 in your rewards balance. Moreover, you're only going to generate 1-2% cash rewards on each purchase. I canceled my account after over $1900 in expenditures, and did not receive a dime in rewards. It's not worth it. Trust me. Get a Discover It or Chase Freedom - or ANYTHING ELSE. Terrible, terrible experiences with this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 78c866cac3e9422bbdf7b91eb59cde84
encoding: FLOAT32
metadata:
{"chroma:document": "I emailed customer service a very simple question about my online bank statements and they responded with a copy and paste answer that wasn't related to my question. I responded trying to clarify, but received another copy and paste email that was also not related to my question. So I tried clarifying again using multiple screenshots and I DID NOT RECEIVE ANY RESPONSE. I then contacted the person's manager and DID NOT GET A RESPONSE FROM THE CUSTOMER SERVICE MANAGER. I continued to forward my question for weeks to no avail. I will be closing my account because TD clearly doesn't care about me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 43667ff8ed9c4af19fc6149d36412fc4
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a bank account with TD Bank for years and it has always been subpar. But the final straw was when I went to a TD ATM to withdraw $500 and the ATM never gave me the money. After calling the bank they put a claim in to review the transaction. The employee I spoke to said it would help to call the branch to see if they found any issues with the ATM when they came in. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09438a84e9fe4867b569a94be582dc6c
encoding: FLOAT32
metadata:
{"chroma:document": "My card info was stolen. Someone bought plane tix with the info. Call canceled the card. Asked for my money to be returned. I was informed that I had to wait till it posted to the account and then I could file a dispute. Then I would have to wait 5-12 business days to see my money. So. guilty till proven innocent. Closed all account with that bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a7696f08d5f4a52bf64d5536ac246a3
encoding: FLOAT32
metadata:
{"chroma:document": "Deposited the check in the amount of $700. However, the ATM read it as $200, despite a clear designation of the amount both in digits, and in very distinct letters. I came to the bank two days later, hoping to have the issue resolve ASAP. Had to spend half an hour there the first time, filling out the request. A few days later, came back again, because the issue had not been resolved, and I was told to wait... 10 business days! In other words, 2 weeks! So the bank makes an error, the error is very obvious, as they can see the image of the check, but yet they refuse to release MY money to me! That's in addition to the fact, that this is NOT the first occurrence of that nature, there have been other instances similar to these, and there had already been a request made to report the faulty ATM. NOBODY cares. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2a76b3a537f46dfab0ae26c419fbd28
encoding: FLOAT32
metadata:
{"chroma:document": "I am extremely unhappy with TD Mortgage. My biggest complaint is that the online app makes no allowance to pay additional principal. If you add additional principal it will sit in the account un-applied for as long as 2-3 weeks. I have made calls, sent messages, talked to my branch manager to no avail. Furthermore I have been told 3 different ways to pay additional principal by using bill pay, all get the same result. It\u2019s as if the bank set out to make paying principal down as difficult and inconvenient as possible to garner more loan interest. What they are doing is criminal. I am considering filing a class action lawsuit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67199457d05a4866aa6d70c695a6f0ef
encoding: FLOAT32
metadata:
{"chroma:document": "As I signed into my account as I did many many times before, they wanted to change my account to add my phone number for \"security\" reasons. Due to the recent disasters with Facebook, I decided to read the opt-out paragraphs. When reading the opt-out paragraphs I found out that they were using a different corporation, and it said \"Fiserv and its affiliates may receive names, domains, addresses, password, telephone and device numbers the content of messages and data files and other data files and information provided by you and other sources in connection with the out-of-band authentication service\". "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4b6e4a353d2b4b22875873d53691ed51
encoding: FLOAT32
metadata:
{"chroma:document": "So I guess TD Bank changed its BusinessDirect login and merged it with retail bank username accounts? I don't know but out of nowhere the website completely changed and does not have BusinessDirect links to login to my client accounts for statements. Now I'm locked out of the service for no reason at all. They had to \"change my User ID\" but didn't tell me what they changed it to. I have several clients that I do business with and am granted read only access to bank accounts. Now I've got to bother all of these clients to use their administrative access to correct TD Banks error in judgment. TD Bank is by far the worst bank to use for small businesses. Just absolute garbage."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81bbbd7e09a5419fa9bb71a98fecd756
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank Stole My Money. Do not use TD if you value security. Someone used my card's info to spend $391. TD confirmed that no security info was used during the transaction (chip, zip code, cvv), but TD determined the charge was legitimate. I will not be getting my money without pursuit of legal options. I have been a cardholder at TD Bank for 10 years, I have never had an issue with fraud. Their commitment to security and customer loyalty is disappointing. Do not use TD Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b5b9da7e3e14cd9ae450710150eeaf7
encoding: FLOAT32
metadata:
{"chroma:document": "TD bank online service is the worst, unprofessional and rude. I have been banking with this bank over 10+ and the experience I got today from the online service I hope no one ever has to go through that. I tried to use my debit card to make a large purchased today and it was declined cause I went over my $2000.00 a day limit. I called customer service, the first person picked up hang up the phone on me so I called back. The second person picked up, said I wasn\u2019t answering the right questions so I asked to speak to a supervisor, when he came on the phone he was no better. I felt I was getting nowhere with them so I jumped in my car while he was on the phone and drove to a TD branch so one of the tellers can look at my ID and explain to the customer service online supervisor that all the information I was giving is true. Well you would think that would work it didn\u2019t! He still told me unfortunately the answers I provided was wrong and it wasn\u2019t me??\u200d\u2640\ufe0f"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: add7738c59a14e529d31dcb5116410d1
encoding: FLOAT32
metadata:
{"chroma:document": "Went through drive-thru and dealt with a horrible teller. Her demeanor was pathetically a slacker. Called customer service to inform them of the situation and was told by Victoria that it was the microphone rather than the service. Victoria was speaking for the teller when she wasn\u2019t present when the situation occur. Victoria must have ESP/PMS syndrome."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d11638163dbd4b48a012085404fb1f1b
encoding: FLOAT32
metadata:
{"chroma:document": "Today, my husband and I received letters about closing all our accounts in TD Bank, after 5 years being their clients, paying all the loans from these accounts, paying all communications and all expenses! Having there personal, general and business accounts! Naturally without explanation of the reason! How such a thing can happen to good citizens, for me it is not just inconvenience, but I consider it a violation of all human and civil rights! For 5 years they used my money, and now I have to transfer all accounts in two weeks and spend my time and nerves on it!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe9b48191b2b4fd1ac9b7720eadfc8ea
encoding: FLOAT32
metadata:
{"chroma:document": "I open TD Bank checking account and I get the runaround and been told to go TD Bank branch which is one hour away from me and the rep told me that they couldn't verify me over the phone and I told them that and they don't understand. I called TD Bank rep and they told me that my account was fine - that I didn't need to do anything with the account. I called yesterday and I get told that my account was restricted and I cant gain access to my account. I was trying to get into my TD Bank account to pay a fee they asked me to pay and when I try to login it said \"your account is restriction\" for no reason. I feel like TD Bank is trying to scam people into banking with them. They up and decided to close your account without telling you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7caa870f9b5042f3b1c856454490d240
encoding: FLOAT32
metadata:
{"chroma:document": "Awful customer service. Very rude. My elderly mother made a simple math mistake (she\u2019s in her 80s) and this bank charged her overdraft fees of over $700. Example: electric bill had 2 overdraft fees in one day. Did not have a chance to put more money in account. Didn\u2019t know banks could do this! We had a very bad experience. No longer have account at this bank & never will!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f709e784ee44856ac40b2b1bee013bd
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is the worst ever! My accounts were frozen and I was not even notified. How embarrassing when attempting to purchase items at a large food chain with dozens of people in line behind me. After inquiring why my bank card was not working, I was informed that TD Bank's fraud department would notify me. They never did. Two months later I was told that I made an illegal transaction?! Apparently, I was not allowed to have my daughter's tax refund deposited into my account. Interesting, since there was not an issue with that for the last two years! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f0f419ca92340a599fd3dabd50240f0
encoding: FLOAT32
metadata:
{"chroma:document": "I travel a lot and once in a while I miss a monthly payment or am late in payment. No problem - they charge a $35 late fee (make millions off this every month but ok fair enough). I typically make a $175 payment toward a balance of $3000. This month I received my statement showing I had a back payment of $72.00 due in March (Yes $72.00). Ok no problem with that. I also received a letter around the same time of past due payment. Ok got the point."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec4919a75ca64abeb2b587587e840b0e
encoding: FLOAT32
metadata:
{"chroma:document": "mbna.ca now requires a login phone verification, it sends a security code via SMS to mobile device (text) or voice message to landline. This procedure does not allow and block access to an online account for customers who travel and have NO telephone number or have NO access to the phone at the moment to verify their login. And mbna.ca does not offer any solution to resolve the problem it intentionally created for such customers! They offer you to call 1-613-907-3505 (when you have no access to the phone!)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 360cf86c8d7d40d69da64ba8058da948
encoding: FLOAT32
metadata:
{"chroma:document": "I've had an account with TD Business for 2 years now and it's been the worst 2 years ever. DO NOT BANK WITH TD BANK! If you have money in your account and want to get it out (let's say you are on the West Coast and need to send a wire) IT IS IMPOSSIBLE. You need to locally step into a branch. I had to fly into New York so that I can ACTIVATE my account to send a wire transfer. I activated it and did not send a wire within 30 days. My account got SUSPENDED again! So now when I need to send a wire very urgently (it's been approx 35 days since I stepped into a local branch). I CANNOT even though I have already authorized TD business direct and allowed wires. IT'S MY MONEY, and TD BANK will NOT allow you to send it ANYWHERE!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f13e91bc59b14ec2a9b1dc6d127fd7d2
encoding: FLOAT32
metadata:
{"chroma:document": "DO NOT get or use the TD Bank credit card. You cannot dispute transactions online. You have to call them in order to dispute a transaction and it is a complete hassle. Also, I cancelled my card in Sept and a company was allowed to force through a charge in January, even though my card was cancelled. I disputed the charge and they outright REFUSED to take it off my account. There are so many better cards out there that offer more and are \"with the times\" - they are so old and archaic with the way they operate and their customer service stinks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73f2af5af3a64e6db6040f58130a210f
encoding: FLOAT32
metadata:
{"chroma:document": "I was banking with TD Bank for 5 years. I thought they were wonderful. But something started to change at the bank after 5 years and I'm not really sure where it led to, except for very unhappy consumers. If TD Bank is not making money off of you they don't want you there. That means if you are accurate and make few mistakes they will find some other way to make money from you. They have become vultures in a sense. They sell out to anyone that you may have a discrepancy with on overdue debt. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 078f37753bb94648980a3c08e78c26ff
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give this bank -5 star I would. I never leave reviews, but the fact that my husband I are experiencing what we are due to the negligence and inexperience of a bank employee I almost feel obligated to share so no one else loses almost $1000 to bank fees!!! It started with my husband joining my account. It took 3 weeks to get issued a debit card when it should only take 5 days or so. At least that's what we were told. After that inconvenience cleared up my husband went into the branch to close his account and finally pick up his debit card. He sat with Solange Queliz who told him numerous incorrect things. I know this because I fact checked her with another branch."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f336811d3026426bbbd301da964aa894
encoding: FLOAT32
metadata:
{"chroma:document": "I took a credit line with TD bank for furniture I bought at Raymour and Flanigan and had 6 month deferred interest. When the 6 mos was due I had $1800 left to pay off. They charged me $600 interest from the amount I took not the amount owed which is robbery. I was not advised this and any standard rate is supposed to be interest from what is the balance. Customer service would not help, was rude, left me on hold so long so you will hang up when I asked to speak to a supervisor over 30 min. Supervisor would not assist or help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1d1eccf88c6449490828624cdc5fc72
encoding: FLOAT32
metadata:
{"chroma:document": "In order to keep daily balance of my account up to agreement, I rushed to put cash. Still accumulated maintenance fee. Called to customer service. First representative was rude and firm, asked to speak to supervisor. Marcus, the supervisor had no better manners. He was ready to say me \"bye\" as to customer with my direct deposits and daily use of the TD debit cards. So be it... Bye, TD Bank with your rude customer service representatives. Hello, Chase!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e01d5ee571944c88b34f248262778226
encoding: FLOAT32
metadata:
{"chroma:document": "I used to like banking with TD, I was with them for 12 years. But 2 days ago I received a letter from them saying that they were closing my accounts in 3 weeks unless I do it before then, there was a number to call if I had any questions and they would respond to me within 24 hours. Since they gave no explanation why they were closing my accounts I called the number. I got a call from TD the next day and I was informed that TD no longer wanted to do business with me. When I asked why he said that he didn't have that information. When I asked if someone who did have that information could call me back he said no and hung up on me. I don't understand why they won't tell me why they are closing my accounts and I don't think I've ever been so disrespected in my life. Because of the way they are treating me I can't recommend anyone bank with them. 0 stars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 631d851d784b42baaffb960e4b8e267d
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{"chroma:document": "My company opened an account at TD in Toronto in 2011. We no longer do business nor travel to Canada. We had a couple of thousands CAD remaining in the account which is now less than 500 CAD due to 39 CAD per month of fees. We tried to stop the bleeding but basically we would need to travel to Canada and go physically to a branch. We cannot wire using internet or phone. If we close the account they will mail a cheque to the address on file. We moved and in order to change the address we would need to go to a branch."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff34f69c6a1b449090b8fc3dab413759
encoding: FLOAT32
metadata:
{"chroma:document": "This bank has been the absolute worst bank I have ever dealt with in my life. When I first opened my account, the bank was still Commerce. After the acquisition is when things started to change. Due to misinformation, I was charged several hundred dollars in Overdraft fees. Their representatives are incompetent and give you the wrong information so that they can steal money from working class people. I have never had these issues with any other bank. I have officially closed my account and will not ever bank with them. I will also warn family and friends. It seems like several people have had the same issues. The way this bank operates should be ILLEGAL."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4db5c95ef5a048f9879fadfe80edfc76
encoding: FLOAT32
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{"chroma:document": "TD BANK decided to CLOSE my business account after being with them for 12 years! With NO explanation, NO warning, NOTHING! It was to close Jan. 25, 2019. I called the # provided, but of course NO ONE would tell me why they were closing it, and everyone I spoke to was indifferent. Like a robot. Today is Jan. 22, 2019. And, guess what? They ALREADY CLOSED IT! I do NOT have access to my account. And worse, do NOT have access to my business funds THAT I NEED TO KEEP MY BUSINESS RUNNING! Are you serious? Called customer service who was of NO help. They told me I had to go into a branch. AMERICA'S most convenient bank? I DON'T THINK SO! I believe this is bordering being an ILLEGAL closing of my account! CRIMINALS!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ecd8cdc066614d7392bb8f1a7235bec1
encoding: FLOAT32
metadata:
{"chroma:document": "I got Financing for my Samsung Phone. Samsung was going to give me a $300 credit to send in my old phone. One day I was looking at my account and saw that it was charged an additional $300. It was because they never got the old phone back. That is because they never sent me the call tags to return the phone. They stated they sent me 2 emails with a call tag to send the old phone back. I never received them. Samsung even stated they could see that I have opened all my emails from them except those 2. I NEVER got them. So after several months of fighting with Samsung the manager there his exact words were, \"Sue us!\". Really??? This is from an employee at Samsung who even agreed with my issue? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66492ab2a4df404498bd210aeadecdf8
encoding: FLOAT32
metadata:
{"chroma:document": "I have banked with TD Bank for a couple of years now, I called the number on the back of the card, to check the balance, and to my surprise I had an overdraft fee of $20. It gets better. After several hours went by I called the number on the back of the card again, only to find out now it\u2019s $120 overdraft fee. I\u2019m furious now, so I called to speak to a representative, which whom I spoke to a young lady in New Jersey. She assured me there were no illegal activity going on with my account, so I asked why wasn\u2019t I notified about this overdraft via email or text message. She then stated, \"Oh we can go over your transactions with you,\" I then stated I will be closing my accounts here. If you\u2019re thinking about doing business with this bank, think again, very shady people!! Lesson Learned!! Never Again!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21830a15da30437bbfe78af80a9aaacd
encoding: FLOAT32
metadata:
{"chroma:document": "Whatever you do, do not, UNDER ANY CIRCUMSTANCES create an account with TD Bank. This company will screw you out of your money and will even basic transactions a hassle. Everyone at customer support is either borderline **, or speaks at a frequency of -2. I have been so frustrated with the lack of professionality with the company. Literally any bank is better than TD Bank, unless you like having your money taken from you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e568742cb2194adea3e87ef3176f51dc
encoding: FLOAT32
metadata:
{"chroma:document": "This bank institution it\u2019s a total and complete lack of customer service satisfaction. It sucks that before I open the account that should have read the reviews and what people have to say about this entity because otherwise I wouldn\u2019t have opened an account with this company. This is the second time I place a deposit from my business account and they\u2019re holding the money 'cause whatever first time they hold the money for six Days. Screwing all my Christmas shopping and the worst of all is that the money was taken out of the business account right at the Santa Fe day that I placed a deposit so right there when I place a deposit the money was taken out the bank account Bank of America account and put it today pockets but not to my pocket. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4762263eb434a5f9a8187c5f2af5396
encoding: FLOAT32
metadata:
{"chroma:document": "Call TD Bank and representative picks up on first ring. They are caring, helpful and solve issues fast. Great bank, easy to use Quicken or QuickBooks with. Awesome service! I was trying to switch to QuickBooks for my business. They made it so easy. Go online, give permission for QuickBooks and it works seamlessly. This level of service should be the standard."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f72d4b2d5c74445a8bcad0fe58d7a413
encoding: FLOAT32
metadata:
{"chroma:document": "It is unbelievable the lack of service that TDBank has when calling about simple things like a password reset for crossborder banking. It has been close to 2 hours of calling both TDBank who kept asking same questions what was the latest transaction. Can't tell that because I can't log in. Only other option is to drive to a branch! There is no branch within a 2 hour drive. Let alone the time in the bank. Wait. Is this year 2019 or 1919 TD? Am I supposed to keep paper transactions so I know what the latest one is? TAGLINE: AMERICA'S MOST CONVENIENT BANK. NEEDS UPDATING TO: AMERICAS LEAST CONVENIENT BANK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2767dd61ceb4ca995de4e1880b0fe87
encoding: FLOAT32
metadata:
{"chroma:document": "I had place an order online, my order didn't go through from the company I ordered from. Called the bank for them to advise them that the order couldn't be placed due to them being out of stock on the item I wanted. So now I have over $56 in pending charges that the company said they don't have the hold on the funds and the bank can't do anything about it until either the charges get posted or released back to the account. I 2 different guys from the bank giving me different information that the funds would be released the next day, this was yesterday this started. In all my life I have never dealt with a Bank where you couldn't cancel a transaction on an order that will not be fulfilled. This is not the first time I have had this experience with this Bank. Personnel are good but overall bank experience leaves a lot to be desired."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 20925a808157497b945fd13be0adf946
encoding: FLOAT32
metadata:
{"chroma:document": "3 months ago I opened a Checking account in TD bank in New Jersey. Also I applied for a Credit Card. I put 5 grands in my account immediately and I received 8 grands as my started credit line, due to my great Credit Score. Now after less than 3 months, I received an official letter that tells me TD bank decides to close my both accounts, without mentioning any reasons. When I call TD, they said \u201cwe cannot tell you why we decide to close your accounts.\u201d It is unbelievable. It is my basic right to know what is wrong. If anything was wrong, why TD bank accepted me as a new customer and gave me a good credit line?! I DO NOT have any residential issues, and because of my job, I am passed highest background check several times. There is no reason for TD to behave like this. It\u2019s rude and ridiculous. It is too frustrating when I have to spend a lot of time to manage my Deposits and Payments again. They do not have right to do it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a051c911d04e4711822b38114b344248
encoding: FLOAT32
metadata:
{"chroma:document": "I envision some evil guy rubbing his hand together like a cartoon villain coming up with TD Gift Cards. a) Get people to buy cards, b) make it difficult to register and get their email information so you can sell it and send solicitations, c) make it hard to use online, d) siphon off $2.50 a month when customers are too confused or fed up to use the card. I hope whoever came up with this card got his Christmas bonus all in worthless, scammy TD gift cards. Booo!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 92e434ab8e1341d5874ea1192dbee8ba
encoding: FLOAT32
metadata:
{"chroma:document": "Tried to transfer money online with account. Kept saying I was not verified. Called them and over 5 days and 7 phones calls I was told several different stories of what to do and how to get \"verified\". One of the things I was told was to send 20 dollars cash to an address which was a post office box. Then there was have your Canadian branch call us to verify you. Which they tried to do and THEY were told they couldn't unlock my account till I went to Pennsylvania to a branch in person. I live in Michigan. They told this to own bank in Canada. This is the craziest thing I have ever encountered EVER. I still don't have my money and I will be contacting every Federal department I can find to stop this madness."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 616c7461e19a40cbb0db99cf4f2c68b0
encoding: FLOAT32
metadata:
{"chroma:document": "For months I've been struggling with TD charging me excessive overdraft fees, one minute I see I have enough money in my account, and the next I'm over-drawn due to TD re-ordering my transactions. NOW I notice that they pass the transactions, only to return the items again, then charge you both over draft fees and the original amount all over. THIS HAS GOT TO STOP."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61da7db46dbe48569228eec161410163
encoding: FLOAT32
metadata:
{"chroma:document": "I was abroad and wanted to use debit card to get local currency from ATM, which was approved International ATM machine. At very first trial transaction was declined... And it continued same way. I wanted to e-retransfer money to merchant, which was also declined. Somehow I managed without cash. Came back to Canada and found TD had sent me text to Canadian cell phone about suspicious activity. I always keep my phone off when abroad to keep away from big roaming charges. I went to TD branch, argued why TD want to communicate customer in one way only? What if I lost my phone abroad and don't have penny in my pocket? Why other banks operates in convenient way to customer? Answer is \"Sorry, that's how we maintain our security.\" So simple to them, I can see my money in account but can't use them. I will caution all who travel and depend on TD's card... Be careful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 84305513af46466882970ddc96ccc791
encoding: FLOAT32
metadata:
{"chroma:document": "I order a 49.99 pair of sunglasses on a website. The next day I received an email that there were foreign exchange fee of addition fees. I call TD Bank to cancel transaction and they did refund my money. Three months later they reversed the credit and took away 63.53 saying an error did not occur even though the website is gone and no way to get in touch with this foreign company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 682f949dbcd34a26ab978631b0d04d01
encoding: FLOAT32
metadata:
{"chroma:document": "I received 2 TD Bank VISA gift cards and what a hassle to register them. Nothing worked!! On the second card I am not even able to check my balance. The first card was not accepted everywhere, like VISA card typically. The VISA card registering process was way too complicated. The TD Bank VISA gift card sucks!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17da1c8c377440f29a903bd83fcedb4f
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank is the worst. They charge overdraft fee without the account being negative. This bank is a joke!! I will be reporting them to the BBB for unethical practice. Let all your family and friends know that TD Bank is the worst bank ever. The customer service is rude. Management is rude and unhelpful. Overall the bank sucks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1dbc294dad643218a168e3841b99891
encoding: FLOAT32
metadata:
{"chroma:document": "I called to ask a simple question about my account concerning the fact that a debit was processed but the credit was not, and I wanted to know why. I got a snide, sarcastic person who proceeded to try and baffle me with ** about my refund first having to be approved by the Federal Reserve Bank and then go through other channels and that's why it would take 3 to 5 business days for a refund to appear, and his explanation was so obnoxious and patronizing and ridiculous that I hung up on him. TD Bank does not need this kind of customer service and I will move my money to another bank unless I can find a way to get this idiot fired."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c16fdfa52ab442aa250351932fa000e
encoding: FLOAT32
metadata:
{"chroma:document": "The recent Privacy statement: \"TD Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Out-of-Band Authentication Services or the Software (collectively \"User Information\").\" With all the stealing of information going around, why is this needed and why would you keep your accounts with them?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2b97bf265b4146ab8acba4e8b2d9d0db
encoding: FLOAT32
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{"chroma:document": "Purchased a Samsung phone, as I would purchase any phone, through the company. I did not realize they did not process their own payments so I did not review whom they worked with... Turns out it is TD Bank. I have no words for this experience. There is no real good website to check your account or make payments through. They do not accept credit cards, only checking, and you tell it to a random voice over the phone (I am very protective of my checking account number and this is a huge security red flag for me). When something doesn't go through they don't send a polite text, or email, like a 21st century company - they call you with the tone of a debt collection agency chasing down a thief or something. It is intense and horrible. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f6cd09fde4f244e98073837b4b4308ec
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metadata:
{"chroma:document": "TD Canada Trust - I have been a TD client for the past several years. I have always paid my bills and credit cards. There have never been any issues. Recently I received a letter via UPS with a suspicious letter on Nov 23. The letter stated that they were terminating my accounts. I tried to contact Sharleen ** and I was denied the request to talk to her. Because of her actions I'm not sure if I'm able to pay my staff. This should prove very disturbing for everybody because initially I thought this was just a scam but it was not and the bank has not given me the reason why they have shut down my Visa and accounts. Merry Christmas Sharleen **!!! Thank you for making my staff uncomfortable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f7be50ef558d42acabe8252e5cce5c14
encoding: FLOAT32
metadata:
{"chroma:document": "My father is primary on the account and I was added as authorized user. My dad receives all the statements so I was making payments not knowing the due date. So I accrued some fees and paid a portion as that was my fault. Fast forward to November 14th which is my due date. I paid on the due date just at 9:51 PM and I was assessed yet another fee and customer service including the manager who speaks a million miles an hour would not reverse. She thought I was trying to make an excuse and had the nerve to say, \"well what was your excuse for previous late payments?\" No excuse here which is why I paid the late fees last time but I should have been reversed this fee as I have proof I paid on the payment date. They are extremely rude and unprofessional and can't wait to pay this off and never do business again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53bce27061bd435cbf8d6b3c3177a1a9
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{"chroma:document": "My fianc\u00e9 was in the hospital for over 5 weeks. When he got off and finally went back to work, he deposited his first check on November 16th counting it would be clear on Tuesday morning as it always did. The deposit was in the amount of 2K and until now, November 26th the check haven\u2019t clear. He is behind on his bills and the bank is charging over $200 in overdrafts. I called several times last week. They told me to go into the bank. I did that yesterday! They told me only the manager can solve this matter. For me to go back today. So I went back and the manager told me that is nothing he can do. BS! What a waste of my time. I even called them again just now. I couldn\u2019t be unhappy with TD. I have an account with Bank of America as well, and never ever had this problem! Hopefully now, my fianc\u00e9 listens to me and close this account for good."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 695785dbd3d741bfa5884bda62169674
encoding: FLOAT32
metadata:
{"chroma:document": "Over the phone customer service is passive, but friendly. They are unable to assist with anything! I made a deposit into my account a week ago, and was told since it was a different bank, and that I was a new customer, that it COULD have up to a 5-day hold... Fine... It's now a week later, and I'm being told that it won't clear until the following Tuesday. I had my payroll department check the status of clearing, and this cleared 3 days ago, and yet I still have to wait another 5 days to get my money!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1010104e2b6347c5be37d4909d6265cd
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking with TD Bank for over five years, and I should have closed my accounts last year. They charge needless fees for personal checking accounts, taking extra long to process even cash deposits so they can turn around and hit you with something. I was told when I opened my account there were no minimum balance fees; I've been hit with well over $100 in such this year alone. I was told I could turn off their ridiculous \"overdraft protection\" service to avoid fees, and every few months it is mysteriously re-activated. It has now gotten to the point that I can not use my account, for fear of getting charged with one fee, usually in error, which triggers another, and another, and so on, and good luck getting any help with your problems. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d05094c25ee348269303ebf6f706dbdb
encoding: FLOAT32
metadata:
{"chroma:document": "I was intentionally misled into depositing $11,000 into an account. The day that the check should have cleared TD closed the account and then gave me the runaround as to why they did it. They supposedly changed a policy AFTER the deposit was made and now have chosen that once the check clears I will have to wait for them to review everything then cut a check and mail it to me. This was all the money I had, now I have nothing. I will lose my home and car and everything I own due to this situation that the employees of TD Bank have caused. TD used to be a good bank, but they now have chosen the path of profit over customers. They should not be allowed to do business in the United States any longer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6698b0a73ee941eca0a23bb3a0a776c8
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{"chroma:document": "TD is the worst banking experience I've ever had in almost 50 years. Rude staff, fee, after fee, after fee. After about 5 yrs with TD Bank, I will definitely be saying goodbye after 2018. In the last several years I've turned several people on to TD Bank and I wish I hadn't."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ccf59642a7294dcc87f9f2a615657b17
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{"chroma:document": "I received a call from TD about my credit card account. I failed to call them back until they called again to say my account was locked. I asked them why and they told me it was from an online purchase that looked suspicious. What's ridiculous is that I've ordered from this site numerous times before. They then instructed me to send in 3 documents (2 forms of ID and a utility bill or car registration with my address on it) by fax to verify my identity (even though I had to tell them all my information including my name, card number with CVC number, social security number, and birth date - they still wanted all these documents). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce97a2a506ff4bb58841f2cc52e50624
encoding: FLOAT32
metadata:
{"chroma:document": "This bank will charge you for everything. I had positive balance and still was charged overdraft fees and they did not credit me back. It's money trickery. They say it deposit was pending... It was a cash deposit still pending... huh? They run you in circles with processing fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4040abef628849c59f93b82511775563
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been with TD Bank for over 15 years, even opened a small business account with them over a year ago. I\u2019ve been depositing checks via mobile deposit for the past year from the same company that they received the checks from and never had a problem. The last two mobile deposits TD have been putting my check for special verification that takes over 10 days. Last mobile deposit I did on Tuesday and was paid to TD Bank by the other bank on Wednesday as I verified it with that bank and TD Bank is still telling me that I have to wait another eight days for the check to clear. I\u2019ve gone to two different branches as I was advised by the phone representatives to deal with this situation and I was rudely dealt with with no positive outcome. I hate this bank and can\u2019t wait to close my accounts with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 978cfd1cfc364dbe841d260fbe71e417
encoding: FLOAT32
metadata:
{"chroma:document": "Rude staff - I have been lied to, mislead, and in general treated like dirt, so moving all accounts, both personal and both business accounts to BOM where I do get excellent service and polite staff, and my business is appreciated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48cb195410984a309fe8b762b6223c27
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank is a terrible bank to do business with. I have had numerous headaches in dealing with them with very basic and remedial tasks. More recently they took over 60 days to complete a very basic loan. It was a clean loan and of the simplest kind. They could not interpret basic tax documents and they ran my credit several times because they could not complete the loan on time. Please save yourself the headache and do not use this bank. I will be taking my business elsewhere. Nightmare bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 392957c76fb443bda9ac38b299f64226
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{"chroma:document": "I received my closing documents and notice there was a $2,511 amount due to TD Bank although my balance was $0. On October 2nd, I received a letter from them stating the account was frozen however on October 12th a check was presented and cashed. The first time I called the CSR told me someone would call me within 5 business days. I thought this was odd as it was fraud. I called back and spoke with another CSR who said not only was the check cashed but someone had added their name and changed the address of my line of credit while my account was frozen and my credit line was brought down to $0.00 due to my pending closing. He told me the fraud department would need to review and would get back to me in 5 business days. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60cea6bef3db45d99af41abd21e25c56
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a TD Bank Account for around 6 years, fairly happy with the account, nothing spectacular, but overall easy to use. I received a TD Visa Credit Card about 2 years ago, and I have been using the card without a problem, until I received a double charge for a bill, and the billing company accepted neither charge and payment had to be done again with a separate card. After speaking with TD Bank 3 times, I finally had the right fax number to send internationally to TD Bank. I sent the fax... Again...and again. Finally it was received."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d21e1a6eded4126badd23f58cd4dc67
encoding: FLOAT32
metadata:
{"chroma:document": "I was a TD Bank customer since 2016, I have a Premier checking account with them. IN July 2018 they send me letter stating that they are going to close my checking account without any reason. Well I have deposited 5-6 payroll check into my checking account via cellphone app they have which might triggered their system etc, each check was 552.74. Check design was same as it was issued by a company accountant where I work. Payroll memo and check number was diff. There was no other activity in my account which I think will let them close my account. Ok well in August my account was closed. How I figured out that they close my account because of my multiple payroll checks deposit and also how it make TD bank worst in term of customer relationship etc. Let me tell you a very cool example."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64003630488542aa80b511b49cb1d20e
encoding: FLOAT32
metadata:
{"chroma:document": "I have never been soon annoyed with anything or anyone as I am with this stupid bank!!! I decided that I was going to cancel my account because of the ridiculous fees they charge every month for some reason or another. I had reoccurring transfers from my main account to my TD account, for some reason it wouldn't let me do it online so I had to call \"customer service\". I call and give all of my info, the rep says that the system was trying to verify my voice (apparently I gave authorization for voice recognition a while back... big mistake!!). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a04c3771dfa49dbae38d0f2aed8bd65
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metadata:
{"chroma:document": "TD Bank not only has the worst customer service, but the employees don't even know what they are talking about. I had an issue with my account and I went to two different branch offices in one day and was told two completely different things. My confidence level and security level with this bank has completely diminished. I will be switching banks after I get my money back. Talking to customer service is no different than going into a branch. They are both clueless."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ef5c70d68b642aa8d0b4eafa89bc157
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metadata:
{"chroma:document": "Customer support is a joke. I called on Saturday because I could not log into my online banking. They said they needed the password, I gave it to them, which was wrong and they said my account is now locked... I said, \"Yes, that's why I'm calling!!!\" Their answer is, \"You must drive to a branch...\" which is over an hour drive round trip... If I drive there, because again, I cannot get online it will be to close my accounts. Their phone support is a joke."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6f21b747f5f64c4fa1e374f88fc6d8b0
encoding: FLOAT32
metadata:
{"chroma:document": "I had fraudulent charge on my account. Total 2050$. I filed dispute, after 10 days I got a letter from TD fraud prevention department states: \"Unfortunately we cannot honor your dispute since business to business transaction.\" I did request more information about the transaction and they gave me merchant number to contact directly, finally its end up I filed police report and bring it into the branch and after 6 days they close my account. This bank is joke and not secure at all, oh one more thing once you call customer service they repeating legendary service we provide and in reality you have to be on hold at least 20 minutes. Avoid this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30c8a5ad0b4043849443d75aff3f877e
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{"chroma:document": "Received a letter stating account is past due and with a charge of $76 ($38/month) for late fees. Payment is due on the 15th of the month, but I checked with my bank and also with their customer service that payment was received 11 Sep, and the latest one was received 7th Oct. I called and asked question, \"Why we're being charged for late fees when you received the payments before the 15th of the month.\" Simple question, they cannot answer and keep getting transferred to another person. DUMB people working here, and all they want is charge late fees even though payment arrives before the DUE date."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 96281c9e1fe0442f9bde67450267906e
encoding: FLOAT32
metadata:
{"chroma:document": "Used ATM at TD Bank 600 West Main St. Freehold N.J. on 10/13/18. Did a withdrawal of $300.00 from the ATM. ATM only gives twenty dollar bills so I went to the teller and gave her 5 twenty dollar bills and asked her for one $100.00 dollar bill. She asked me if I had an account with TD Bank, I said, \"Yes l do.\" She said, \"I will need to see your debit card and drivers lic. I asked her, \"Why? All I want is to change the money. The ATM only gives 20s.\" She said, \"It is TD Bank policy to see ID when exchanging currency. We have to track any currency exchange from all accounts and why do want a $100.00 bill?\" I could not believe it. I told her to give me the 20s back. I felt like some kind of criminal. What kind of B.S. policy is this? Why are they tracking our money? Tracking $100.00 really? What am I a drug dealer? A terrorist? That's it for TD Bank. I am pulling all my money out of this bank. Zero stars for TD Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1d4081904a8d484aba28dccbade2e9ba
encoding: FLOAT32
metadata:
{"chroma:document": "Dear bank, I was completely unaware of your issues with joining the tech. revolution. It has been explained to me that if I need to express myself to anyone above the pay grade of customer assistance I needed to write a letter explaining in great detail my situation, what my expectations in response from you would be, and apparently deliver it in person, due to higher pay scale employees inability to fully grasp how the U.S. postal system, or phones works. There was no other direction, other than \"great detail\" so I will to the best of my ability to provide all relevant information, to what I'm sure will lead you to a fair solution to my problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3bec980e65d44dc5b1100a76540851b8
encoding: FLOAT32
metadata:
{"chroma:document": "When you call into TD Bank's customer service line, they ask you several specific questions to verify your identity. I understand and appreciate their diligence in this, but there's something wrong in their verification. I literally answered all their questions, READ it off my online account, and they said I had to go into the store to verify my identity. All I wanted to do was set a travel notice on my card. There is something seriously wrong with how they verify identities. And since they give you no clue of what was incorrect, there's no way you can answer the questions correctly going forward, which means don't bother calling them EVER."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 75eaf5b210424a858dbd154a72f61940
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for an SBA small line of Credit. To say these people are dishonest in their timeline offers would be the most benign. I was told I would have the loan approved and disbursed in 6 weeks or so. Months later I still didn\u2019t have anything disbursed. They give you nothing in writing, just very misguiding information over the phone. By the time I got the money I was so behind my timeline I lost my office space and could not start up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c66a8080f54b424199f5fa710d881a2a
encoding: FLOAT32
metadata:
{"chroma:document": "What a horrible bank. I opened a Premier Checking account specifically to travel and not have ATM withdrawal fees. After coming back from a 2 month trip I come to find out they didn't reimburse me for any of the ATM fees. Their reasoning was that it was because I did not have minimum $2500 on my account from day 1. The money transfer took 1 day to process so of course I didn't have 2500 on the first day. I specifically asked if that's gonna be a problem when opening account and was told it won't be. DO YOU THINK I JUST WALK AROUND WITH $2500 in cash ready to deposit? WTF? Also they places EVERY SINGLE ONE of my PAYCHECK deposits on a 6 business day hold. Which really is a 10 day hold including the weekends. Their reasoning was because of high deposit fraud for people of MY AGE! Can you believe that?!?! Is that even legal?! STAY AWAY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0e9d0ec921c4e7b98304105ff1babc2
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank has the worst customer service and efficiency I have ever encountered. I tried to use Zelle to make a rent payment. My payment had a red flag put on it because my first time payment was large. Okay, fair - I call them, they say the payment will be cancelled and I can send it again after it\u2019s cancelled. The next day, I go into my account to resend the payment and find that my entire account is on hold, in direct contradiction to what the customer service representative told me the previous day. I call again. I\u2019m told that I need to go to a brick and mortar bank to verify my identity. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 883b3167d32c4b43a7594804320b9cf7
encoding: FLOAT32
metadata:
{"chroma:document": "Let me begin, my configuration is a Samsung Note 8, running Android 8.0.0. When I use the TD Bank web app, I type my username/password and without hesitation I get the following message; \u201cWe apologize for the inconvenience. Thank for your patience. Please try again in a little while\u201d. Well, I have been patiently waiting since September 19th, 2018, today is 10/4/2018 (I guess it's going to be an OK day, sorry for the pun, anyway). They have had me uninstall and reinstall the app 3 times. They have changed my username twice. I have changed my password at least 6 times. Nothing works."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9d9d3415b1747cdb33d367353fd61ad
encoding: FLOAT32
metadata:
{"chroma:document": "Me and my mother we are from North Carolina. We opened up a credit card account with TD card services. I myself opened up a bank checking account as well. No trouble with the bank. I love the bank side... we were excited because we had had some hard times a month or so before this end. Was to do better and get back on our feet... the third or fourth day getting after getting the cards they shut off my grandmother's card because of a purchase at Walmart so we called and got that cleared up. The following day they cut off my card because of the ATM ordeal. I called. I got that cleared up... from then on for a month and two every 2 or 3 days they would put a hold on our cards and we would have to call with an explanation of why when and where. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a5bcb8fa63824e76aa7b56f1973b6b25
encoding: FLOAT32
metadata:
{"chroma:document": "I purchased a new phone from Samsung and decided to finance with TD Bank. These guys are the worst and I mean worst. Their customer service blows. Their online account system is terrible. They kept charging me late fees and I was paying my dues on time every month. When I tried to dispute the claim, guess what? Just so happens I am \"locked\" out of my account. They were suppose to take those late fees off MONTHS ago and didn't do so. So the amount keeps building up. They should pay off my phone for their terrible, terrible service. Do not. I repeat DO NOT try to finance with them. They'll just try to screw you over."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 59783307e9ed400b9e04c6d96bdd38e5
encoding: FLOAT32
metadata:
{"chroma:document": "I discovered that a fraudulent account was opened in my name for a line of Samsung credit with TD Bank. I had it shut down immediately. Concerned that the fraudsters had my personal info I went to the bank branch to have my debit and credit cards changed over to prevent any further fraud. I presented my IDs and answered security questions and got new cards. A week later I made a payment on the credit card without any issues. A few days later I go to charge something to the card and discover that it isn't working. I call customer service and they tell me that a security hold was placed on the card due to ID theft. I am told I need to go to a branch and present ID to get the security hold lifted. Pointing-out to them that this card was personally requested by me and given to me by a manager after I presented ID gets me nowhere. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e5d2a31e98541b39f622a1765c3894f
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a Samsung tv thru Samsung website where they offered a credit card to pay the tv on a monthly basis thru TD credit. I got an approval, ordered the tv only to be told a month later that the approval was an error (my credit scores are 739, 767 and 762 in all 3 credit bureau...). Thank you TD Bank, worst bank in the USA... not professional at all, they need to learn about customer service, last time I waste my time with these clowns."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ddf90b9f3274d81817202fbbd4fd998
encoding: FLOAT32
metadata:
{"chroma:document": "Dear TD Bank Management, There is only one guy in your entire bank system that I would return to do business with! Mr. Victor ** has gone above and beyond to help me resolve my problem that other 30 people that I contacted before chose to ignore. I have never been treated this badly by any financial institution. Thank you Mr. Victor for patiently listening to me for 20 minutes and never interrupting me once. Thank you for resolving my issue. There is no worst feeling that knowing that you are getting screwed and a bank branch manager telling you there is nothing they can do. TD Bank is horrible and I will never do business with them again. Mr. Victor is the only positive about the bank. Thank you again!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66d93aae90674065bf8730fd47d61fef
encoding: FLOAT32
metadata:
{"chroma:document": "My name is Ms **, I put In money into my account for rent... I was then notified by the landlord that the money was not there I was lost. I then sent a secure message to TD right away. Then I also called in and disputed it. 2 months later I check my account I have a negative $831.15. TD did not approve the dispute... yet all the transactions were in another state 5 hours away. TD are the criminals. Since then I have made another dispute their excuse was I was on online banking... (Yeah to send a secure message that my account was used without my knowledge.) TD claims I need to send more information. How??? I did not do the transactions!!! I will dispute this forever if I have too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93ff472331344b0f95927933e6fa4fb7
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a TD Ameritrade Visa card last year, it claimed if I spent $500 within first 90 days I will get $100 bonus cash. I called the help desk and asked why I didn\u2019t get the bonus, they claim I didn\u2019t put the promotion code on the application. I had a copy of the application. It doesn\u2019t ask if you have a promotion code. I was on hold back and forth for over an hour and at the end they can\u2019t do anything about it. Poor customer service and the help desk is not open 24/7. This bank sucks. Never ever try to use this bank again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2b432ba39014ace8550ca6bc9275e1b
encoding: FLOAT32
metadata:
{"chroma:document": "Don't ever do business with this bank. Their customer service is horrible and no one at the call center responds accurately to questions. I have asked repeatedly for forms but none ever came. Even getting a username and password is difficult."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef9fc87f41344a1fbfb622a2cb4be911
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account with them about a year ago. They had said that since I was a student, the only limit on my account would be that I cannot go below a certain amount in my accounts. Fine. Now about 3 weeks ago I started getting charged for making too many transactions when they specifically said that all I had to do was stay above a certain balance! And I did! I called them on the phone, and they were very rude. Even the higher level people were rude to me. This isn't even the worst part... a week after I opened my account they froze me with a $-9,999,999 balance. It took almost 3 weeks for them to get to the highest level they could, and unfreeze+fix my account. I will be closing my accounts with them ASAP."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4880702d6e584e8295c173146d3a6f7f
encoding: FLOAT32
metadata:
{"chroma:document": "The worst bank I have ever been to. Cash machine took my cash and did not register the deposit and ate my banking card. After being kept waiting for almost a half an hour the teller told me that she would open up a claim but my money probably wouldn't be in the account for a few days. This is a problem because I have payments debited automatically and without the cash in the account I would be severely penalized. She said there was nothin+g she could do about it except file a claim and hopefully the cash would be accounted for. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21b119f48ece4056aead0ab53dc9587f
encoding: FLOAT32
metadata:
{"chroma:document": "The worst bank I have ever been to. Cash machine took my cash and did not register the deposit and ate my banking card. After being kept waiting for almost a half an hour the teller told me that she would open up a claim but my money probably wouldn't be in the account for a few days. This is a problem because I have payments debited automatically and without the cash in the account I would be severely penalized. She said there was nothing she could do about it except file a claim and hopefully the cash would be accounted for. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa1642c63aa0421480248e8865eaacdd
encoding: FLOAT32
metadata:
{"chroma:document": "\u201cConvenient bank\u201d may not be true, depending on where you live. I use TD Bank in Florida, and have to deposit checks and cash every month. I try to use the ATM, and literally half the time there are problems with it. Once in a while it is during working hours and I can use a teller, but mostly not, so I have an hour round trip (I live way out in the country) to do again. Sometimes it won\u2019t take cash. Sometimes it won\u2019t take checks. Sometimes it won\u2019t take either and is just turned off with a little sign on it. Sometimes it won\u2019t take a check until you put it in five times in different orientations. Yesterday I found, after 12 tries, that if you push a check all the way to the left edge of the slot, it would take it, but not otherwise. The people in the bank know about the problems, which have been going on since I started there 3+ years ago. But the ATM still doesn\u2019t function reliably."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d832bccc5d7d460f909bd5a14ff930f4
encoding: FLOAT32
metadata:
{"chroma:document": "Last night I called TD Bank to make sure my account was in good standing because my husband and I were going to use this account as our new primary. We were negative which wasn't a problem because we transferred money into the account last night to bring it to good standing. We also called customer service last night and confirmed with them that the account was good and making the payment would bring everything to normal. This was great because my husband and I set up direct deposit to go into this TD Account. Now this morning TD say they canceled our accounts after we put in all the information to our work and transferred all our money into the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7cf09d2200054da99017a74a8fcd8fa5
encoding: FLOAT32
metadata:
{"chroma:document": "I just opened an account in this branch on August 10, and in 1 week I had so many different troubles every single day! I used to use Chase Bank before I moved to Philly and never had a problem with that at all! But TD Bank is the worst bank I\u2019ve ever worked with!!! Finally they locked my account for no reason and I tried to call them. Finally I reached them and they said, it will take a couple more days to unlock it.... Stay away from this ** bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 681f1d8adc3147e38e95ac6b1402db17
encoding: FLOAT32
metadata:
{"chroma:document": "TD is the worse. First fraud transfer was stopped because I check my account at 6 am and saw it on time. Now 3 months later new account I get fraud, transfer 987.12 from my savings to checking then withdraw on my checking 2100$, then a mobile deposit of 4843 something like that then try to withdraw. Transfer was successfully completed and they said since the code request send to my phone number succeed, is that I have log in to someone in compliance with them to do the fraud. They didn't return my money, even with police report and proof all the calls for code request and code request sent for my email log in too. Can't pay my mortgage and they don't care, so the others got away with it. Even when this happened in Georgia and I live in NJ. Hope this company and the thief go to hell or get the worse in their life!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc848f80f5d540f38987e18bdebebccd
encoding: FLOAT32
metadata:
{"chroma:document": "After decades of banking experience with TD I am heart sick to know that my deceased mother's attempts to secure easy passage of her assets was guided by a revolving door of unqualified staff who now hide behind the anonymity of this large business. My mother put her trust in people who are parachuted into this mill they call a bank - lesson learned the hard way. We will work through probate and the funds will find their way to the proper entitled but with no help but actually obstruction from an institution that I will never look at the same way."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 198f08cd70d14d01b56fc56945ad30a3
encoding: FLOAT32
metadata:
{"chroma:document": "I recently closed my account at TD Bank for 1 reason. They really don't care about their personal account customers. They have something that other banks do not have: \"Event overdraft processing\". This means that if you miscalculated your debits and find out that you are negative, they do not give you time to deposit the money that day to bring the account positive to avoid an overdraft fee like customer service oriented banks do. Done to maximize the chance of charging fees. Very Bad business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46cd1cec11944cb196dd135ecdb44ec8
encoding: FLOAT32
metadata:
{"chroma:document": "I had embarrassing experience with TD Bank. The bank put a hold on my account without my knowledge. Absolutely no communication from bank warning me of security breach which never happened. All banks contact bank customers by email or phone or both if bank suspects breach on customers' account. I went grocery shopping using my debit to pay. Having money in my account I was declined 3 times. This being a busy grocery store. There were store customers lined up behind me"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9ab9e1208524895aa9438db493ea875
encoding: FLOAT32
metadata:
{"chroma:document": "I was getting a higher interest on my savings account so I had my wife upgrade her savings account to the higher interest approx 1.2%. The bank agent said my account opened 9 months ago was paying less interest than my wife's so he was to change from .4% to 1.2%. It never happened so I lost $1200 of extra interest. Neither thde manager or corporate seems ready to make up my loss. Once this happened with e*trade and they made up the difference. TD seems not to honor their error."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac559a5065534e368228b1cfc48d668c
encoding: FLOAT32
metadata:
{"chroma:document": "Worst banking experience ever, customer service took 20 minutes to answer my call, and when they did the lady was annoyed I was calling and was rude with a bad attitude. This was my first call to customer service. I opened a new business account and I pay extra to have square instantly deposit my sales, while TD bank played with my deposits for days and charged me $70 overdraft fees for a total$280 in one month I had my account open. Also while on the phone call customer service which shouldn\u2019t be called that wanted every transaction for the week to be verified to the penny. When I missed a some she said this conversation is over and hung up. I had to walk in and speak to a rep and ask for help. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 65f918cc5b3a404991b7e27f183f5273
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank reverted to my old address after sending statements to the correct address for more than 2 years. They neglected to remove my deceased husband's name from the account even after more than two years and three death certificates. They insured my property claiming not to have received the declaration page from my insurance agent. I needed to chase them down to replace an overage check from escrow which I returned to them voided (still had my husband's name on it) and they had not redeposited it into my escrow account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d4cfaacb2444a94bebf02d5d94fe351
encoding: FLOAT32
metadata:
{"chroma:document": "I had the unfortunate experience of getting a mortgage through TD Bank several years ago. Nothing like hearing \"America's Most Convenient Bank\" over and over while being on hold for 45 minutes whenever I need to talk with someone. And that's not just one experience. I have called TD Bank over a dozen times over the past five years and there has NEVER been one time where my hold time was less than 15 minutes before talking with a REAL PERSON! Their customer service in person at banks is fine, but when you have to do certain things over the phone it's a mind-numbingly soul-crushing experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 68ddadc1e3464000a91945faf9e730f6
encoding: FLOAT32
metadata:
{"chroma:document": "I was unable to log into my account due to some new verification procedure they have implemented. I followed their instructions accurately but that didn't work so after wasting 10 minutes I called customer service and wasted more time with her whose assistance was of no use. She told me that I probably did not enter the security code correctly, she offered to transfer me to their tech support. I am on hold now for 26 minutes hearing their music and no help seems to be in sight. Is this what they call 'convenience'? I have been with this bank (that has undergone at least 3 name changes) for 36 years. It is time to leave them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d27813f619ac4bc1a33f11c0f586208a
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank entices new customers to fund their new checking account with credit card. They even put it this way: \"Recommended amount $500\". Don't do it! Any credit card will charge you high fees ($15 in my case). TD Bank refused to compensate me for the fees and anything in wording of their advertisement. It's a trap!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8c9a2304653496fac35599c8191ce25
encoding: FLOAT32
metadata:
{"chroma:document": "Let's begin with the day I opened my account in a branch in Miami, Fl. I choose this bank due to its great hours; being open 7 days a week and was also thinking of taking out a line of credit with them (which I never did). I used the account for my job's direct deposit and dipped 10 into my savings from each check to have some ER funds in case I ran out of money. When I first opened the account I asked about their overdraft policy and they explained a little program they have called TD Advance which works like this. It covers any transactions you make when you don't have funds and on top of that charges a $35 fee PER Transaction!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc88b76c22a5452493de7ef6508aa824
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank has blocked my card from making purchases 3 times this week alone. When they do this they don\u2019t even bother to tell me. So I am unaware until I try to use my card. I have been forced to call repeatedly and the joke ASAP number is at LEAST a 30 minute wait. Saturday WHEN I was trying to make an eBay purchase they blocked my card yet again. When I called the representative LIED AND TOLD ME THIS WAS VISA BLOCKING MY PURCHASE BECAUSE THEY WERE PERFORMING MAINTENANCE and that she had no idea when they would be done. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8304087fc5ea454ca2e5157bfb8a0bf4
encoding: FLOAT32
metadata:
{"chroma:document": "Please give me back 5 hours of my life calling innumerable departments who don't know or aren't sure who handles what, constantly told 'we don't handle that here' and then when requesting a number to call of a department who can help me, getting the same answer when I call that department. What was my request? Never received UCC titles to equipment paid off under their SBA loan. Loan ran from 2008 and was paid off in June of 2013. How hard can it be for a bank to look up a past SBA loan and get me the information. America's most convenient bank? WHAT A JOKE!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c73f8111bdd14998904c28423a4369ae
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{"chroma:document": "If you have a choice, have a mortgage with TD Bank or die in a plane crash, go down in that plane. They are a disaster and plain awful. When calling to resolve an issue, in my experience twice TD\u2019s error, your initial hold is at least 30 minutes. I got so frustrated, I walked to a local branch while still waiting to their annoying loop hold music, and sat with the branch manager at Lexington Ave and East 23rd street in NYC. His name is Oscar ** and he is the only saving grace. TD does not deserve him, and if any other banks are reading this you\u2019d be a complete idiot not to try and hire this man away. Naively I thought Oscar would have some secret speed dial, however he gets the same phone number to call. So there we sat, together listening to that annoying \u201cda da da... da da da da...\u201d hold music. I left to go to a Starbucks to get us coffees and when I got back he was still on hold."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5556a4e40d0c4c44b5425087fce112cd
encoding: FLOAT32
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{"chroma:document": "We have over $400,000 Canadian in a TD account. We are not in Canada, and thus we cannot access the money: We cannot transfer to a U.S. account and consequently we are cut off from our funds. We can get cash from an ATM, but there is no way to transfer the TD funds into a U.S. account from which we pay certain bills. Transfer of funds internationally is a basic banking function, and TD doesn't have the skills, knowledge, or infrastructure to make this happen."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3daf323395ae480da332b83c3fb85521
encoding: FLOAT32
metadata:
{"chroma:document": "After calling 3 times, each time waiting on hold at least 30 minutes, and then having to go to the branch office twice after opening the account (all of this since June 12, and today is only June 20), wire transfers are now working, ACH still not working, and best of all, they finally agreed to release my money to me 8 days after I opened the account. They told this was all for my protection. I don't agree. This was all so they could hold the money and get the interest from it. Even when you go to the bank they have to wait on the same customer service line as the customer so you sit there 30 minutes until they can get help. This is not banking in the 21st century. This is sad. I'm going to be pulling my money out of this bank before any more problems occur."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c750e51ff14046de8ad15016dcaf8236
encoding: FLOAT32
metadata:
{"chroma:document": "TD Bank has unacceptable hold times to exceed 30 minutes no matter when you call. So be prepared to call when you are not at work and put aside a large chunk of your time to WAIT. They don't allow you to add accounts to online banking, you have to call and WAIT for them to do something they could allow you to do yourself."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d65e60a63d0459fa8d03db974b2927c
encoding: FLOAT32
metadata:
{"chroma:document": "No reason was given and 60 days reply by automated system was vaguely promised. The result will be CUB CADET will never get a sale from me again and will be told exactly why. Neither seem to care much, and now neither do I."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c78d57f8fa14a33ad192b5831394354
encoding: FLOAT32
metadata:
{"chroma:document": "I sent an international wire for a large amount and it never arrived at the bank it was sent to. TD Bank says they've tried to reach them and got no reply. TD tells me it's my responsibility to contact the bank in India to get my money back. How is that??? It's supposed to be the bank's job to handle and or transfer my money in a secure fashion. I was told by two different bank officers that after 30 days my money would be refunded to my account regardless, but as the 30 day mark approached they changed the story telling me they would not be responsible for the money they lost."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e737319a3304d82a5fe13d261c68d6d
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{"chroma:document": "We would like to share with fellow senior citizens a very upsetting, depressing and disgusting experience in dealing with the staff of the TD branch at 5991 No. 3 Rd in Richmond, BC. My wife and I each had a GIC with a maturity date of April 21, 2018. We went into that branch on April 18, 2018 to see a representative to inform him we didn\u2019t want to renew them on maturity. Since he is not too familiar with GICs, he asked another representative to coach him on the side. Once again we told her (the first guy introduced her to us as a GIC specialist) we didn\u2019t want these GICs to be automatically renewed. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbb7b8e8b5364a7d90b2677118822d92
encoding: FLOAT32
metadata:
{"chroma:document": "I have had checking, savings, home equity accounts at various times with this institution. Also have used many free customer services. Never a problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1b3e59d9955482ca655123f39476d91
encoding: FLOAT32
metadata:
{"chroma:document": "On MARCH 29th of this year TD Bank had a promotion on the internet. Open a checking account $25, and maintain $25 a month no maintenance fee. I SIGNED UP. In April everything went fine. They didn't charge me a maintenance fee. Today is May 28th I noticed there's a $5.99 maintenance fee. I called the customer service department. They apologize. They waive the $5.99 fee but they said they can't guarantee me that I won't have to pay it next month. I asked him what happened to the promo. The representative said he couldn't find the promo that I signed up with. I challenged him that was false advertisement on the part of TD Bank. I hope this goes public can I hope that nobody else. Get screwed over by them. I will be reporting this to the federal authorities. And close my account with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f3c8be7eaf7b4454805d5fb323e8ecf5
encoding: FLOAT32
metadata:
{"chroma:document": "Have been with TD for 4 years, now I have to leave. The reason is that overdraft was not waived and business specialist supervisor was rude. I called around 12:10 pm eastern time on May 16th, 2018. Now I hate you guys. Don't wanna do business at all. Plus, I can put more than 5 bad experienced reviews on other websites, starting from Trustpilot also."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90f4834c33884bcf9d9e23baecfddc59
encoding: FLOAT32
metadata:
{"chroma:document": "My TD Visa Infinite card was declined thrice today. It caused me immense humiliation as I was doing the transaction in a car workshop. I had rung up the call centre to find reason for declining the transaction. The reason provided was I used wrong PIN thrice. But the same PIN was used two days back and accepted for $496. Neither there was a message that I had used wrong PIN, it showed transaction declined. Nor I received a call, that three wrong attempts have made to use the card!! When I rung up the call centre and asked to speak to the supervisor, the agent disconnected the call. I rung up the call centre again, to be connected to supervisor. The agent who took the call, got all the background and said will warm transfer the call. I waited 37 minutes with nobody responding. Alas, that is TD Visa Infinite customer service!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1930abdd3c5e4b1c87ecb1942befe16d
encoding: FLOAT32
metadata:
{"chroma:document": "I have always been treated so well and when I call I am never put on hold. They are friendly and always suggest ways to save money. They also suggested a better money market account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e13d2199ddaf4aa7be860f6b3d5d38bf
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking with TD Bank for approximately two years and I can confidentially say I have been through every imaginable problem with them. For one, customer service sucks and they make no effort to improve it whatsoever. Secondly they are constantly having problems with their online banking that it's hard to get things done when I need to. This should not be happening especially with such a \"convenient bank.\" I had a WAY better experience while at Chase and Citi and I regret closing my accounts with them for this trash."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0098882906f4165a69b14ea1008f0d3
encoding: FLOAT32
metadata:
{"chroma:document": "Today I went to the ATM machine to withdraw money and found out my balance was in the negative. I was surprised even though I know I paid bills over the weekend and went shopping. I was surprised because I had two separate deposits over 3000 dollars that should have more than covered my expenses. I transferred over 50 dollars to get out of the negative and later checked the online banking. There was no record of my paycheck deposit last Thursday. I immediately called TD Bank 1888 number. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 94973b52eb9d4d349f88202ba444fddd
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying to get them to stop charging me 1.00 paper fees for 2 bleeping months! I have been in the office twice, I have been on the computer, I have been on the phone. And the 15.00 maintenance fee!!! I have been in there twice to deposit money and been assured I would not be charged the maintenance fee again and still it happens. Then it drops below the minimum amount and they charge me again. I am closing my checking account and bringing my savings account to the minimum needed to keep a safe deposit box until I find another bank with a safe deposit box! 60.00 for nothing!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4b501dac53ec45309054cc622150a056
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a checking account with TD Bank to ensure separation of my daughter's college savings money, from our family's daily living monies in our Bank of America checking account. But in just a few months with TD Bank, I have experienced: TD Bank NOT granting consumers live, personalized, pro-consumer services, as falsely advertised on TV. TD Bank unscrupulously getting consumers to keep up monthly, automatic deposits, despite consumers stating to TD Bank that they have changed their minds about wanting such transfers to continue. And TD Bank unscrupulously selling monthly fees checking accounts to consumers who open TD accounts online!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93e45538aff84ec8a14c30101756f74a
encoding: FLOAT32
metadata:
{"chroma:document": "Living between London and New York and having run my company with over 300 staff for 35 years, mainly in London, I decided to slow down and moved to NYC for longer periods. I was advised (sadly) to use \"TD BANK... A modern bank with a modern approach I was told\". I opened my accounts with TD Bank, and to NO fault of my own, my accounts were hacked and used in China. TD (allegedly) FROZE my accounts so that I could not withdraw a penny, they also seem to have \"allegedly\" told my credit card companies. "}


