TD Canada Trust Branch and ATM — Attraction in Toronto

TD HAS VERY LIMITED FRAUD PROTECTION FOR CHEQUING ACCOUNTS.

At tax time this year I went line by line through all my 2019 TD personal chequing account statement transactions. (TD gouged me $15 to print them out since I could no longer access my 2019 transactions through my online account). In doing this I discovered three very clever fraudulent charges I hadn't noticed before. All 3 were disguised as PayPal charges from what were intended to appear to look like Ebay sellers using PayPal as a funding source (I do use Ebay and PayPal) and probably charged to the credit card part of my debit/credit card. Each charge was only around $50 so as to fly beneath the radar of my attention. Which they did. For 2 years.

Here's the real kicker though about TD's negligence here. At that time TD evidently KNEW these fraudulent charges had happened on my account . I know this because they refunded one of the charges about a month after it happened, but did so without telling me there was any fraudulent activity going on in my account. And yet they did nothing about the other 2 charges, even though all 3 were almost certainly done by the same scammer (all 3 charges said they were from PayPal). I called PayPal and confirmed with them that none of these 3 charges were from any of the 2 PayPal accounts I use.

So I filed a claim with TD in May 2021 for the other two charges totaling about $100. I waited 3 months and got no response. So I called the TD customer support number on the back of my card and found out there was no case on file for my claim, even though I had a confirmation email from TD confirming I had filed it. So TD had 100% TOSSED MY CLAIM IN THE GARBAGE without even sending me a rejection letter.

So I re-filed my claim in early September. Yesterday I got a letter (provided here) in the mail from TD stating "Our investigation is complete and, regrettably, your claim has been declined as we did not receive it within the required time period, which is detailed in your product agreement with us". I found out that this required time period is ONLY 30 (THIRTY) days!!!

So in other words, with TD if you don't notice ANY fraudulent charges on your personal chequing account statement within 30 days of them occurring then TD's policy is you are SCREWED and YOU LOSE THAT MONEY. CASE CLOSED. TD doesn't ever send me account statements in the mail, so I don't obviously don't go through my chequing account statements regularly online unless I notice something off in my account balance. And as I said, small fraudulent charges are intended NOT to be noticed BY DESIGN.

And yet their rejection letter had the audacity to say "we make every effort to reduce your vulnerability to fraud". Evidently that doesn't include notifying me of fraudulent charges on my account that TD KNEW ABOUT!

For some customers with large bank balances they could easily have $500-1000 fraudulent charges on their account they could easily overlook as well. And they too would be out that...

I came in today to replace my bank card and to do some other banking.

My bank card had been "eaten" by a machine in Kingston Ontario while on a business trip. I attempted to make a deposit and the machine wasn't working. The money came back out and then entered a loop of machine noises that repeated for a number of minutes. After standing and waiting a message told me my card was taken and to contact a branch.

Obviously on such a trip I needed my card and was inconvenienced. I had to go to a branch to have the card replaced and ended up at the 125 Queensway branch which is close to my workplace.

I thought that TD would be apologetic as a result of this service failure. Instead they were dismissive.

Nisha Parikh, the on duty manager told me there was nothing she could do since the ATM's are another department. She said to call Easyline. At time of writing I have been on hold for 26 minutes and counting.

I asked Nisha to respect my time understanding and expecting that managers and staff in a branch are fully equipped to deal with complaints.

Nisha apologized that "I feel" she can't help me. I did point out that it wasn't a feeling, it was in fact true.

I am bothered by the fact that TD fails to respect my time and force customers to pass through hoops to address what are failures on their side. In this case, a faulty ATM and a failed resolution to a...

The bank manager or the assistant bank manager is unnecessary rude made person, called me late at night with a loud angry lecturing tone, she lacks common sense and decency of how to treat customers or any other human been.

Here is the story we usually batch deposit client cheques. The cheque scanner is known to be unreliable and the deposit process can be lengthy, some of the bank tellers got to know us over the years, because we regularly make deposits at this branch, if the cheque machine starts acting up, we leave the cheques with the teller with a printed summary of all cheques, they usually deposit them later. We trust the tellers and we never disputed any deposit amount, one night after did that, I got this call a lady screaming at me over the phone and questioning what I did, i honestly thought someone got hurt or my business partner did something very bad which highly unlikely, it turned out she "bank manager" MAD because we left and didn't stay till all cheques were scanned. I am shocked that she is in charge of this branch, she has no manners, she escalated the situation, I didn't entertain her stupid behaviour and immediately asked her not to call me not to mention it was late in the day. I should have filed a complaint at the time. The moral of this story the staff is great but the manager or assistant...