TD Canada Trust and IQOR
This complaint concerns TD Canada Trust and IQOR, which apparently is a collection agency associated with the bank. In October of 2008, I finally switched my accounts from TD to a local credit union in October of 2008. I had had the TD-Canada Trust account for years – it was originally a Canada Trust account. I was of the understanding that my TD accounts would be closed for me by the Credit Union, and this belief was reaffirmed by the fact that since October I received no further statements or correspondance from my former bank.
I recieved a letter dated March 20, 2009 from IQOR stating that my account has been assigned to their office for immediate collection. The letter referenced my old checking account number and stated that the client was TD Canada Trust. I recieived a second letter dated March 31 noting my failure to respond, as well as phone calls. IQOR claims that I owe $184.73 immediately. I can only assume that these charges relate to accumulated fees and charges on my former account. Conveniently, I can still make this payment at any TD branch office, which makes me wonder if the debt has truly been assigned to IQOR as a collection agency or if IQOR and TD Canada Trust have some other type of working relationship.
I could simply make this payment, but as far as I am concerned the account has been closed and I owe them nothing. At the very least the account has been totally dormant so to what do these services charges apply? Why did the bank not send me statements, or notify me earlier instead of letting the “debt” run up. Again, I heard absolutely nothing from TD Canada Trust or IQOR until I got demand notices and phone calls from the latter. I’m very upset as this will no doubt harm my credit rating, and simply rolling over and sending them a check will do nothing to stop TD from continuing to act in this callous way.
I realize that the banks have internal dispute resolution departments in place, but I am loathe to use them since the bank obviously felt no compunction to deal with me in a timely manner. If anyone has faced an issue like this or has advice on the best way to deal with it, I would love to hear it.
Disclaimer
This article was submitted by one of our readers. Penciltrick cannot make any claims as to its authenticity but the article was accepted on a good faith belief that it is an accurate and truthful account of the events listed.
May 12th, 2009 at 10:08 pm
call td to complain at 1.866.485.5354
July 24th, 2009 at 9:26 am
If anyone is interested IQOR Canada is owned by Diane Vazansky and her business address is 255 Consumers Rd Suite 130 Toronto Ontario M2J-1R4 Contact Phone Number is 519-620-6302 Fax Number is 519-620-6397… This information can be retrieved by calling The Ministry Of Consumer Services Canada at 1-800-889-9768
August 2nd, 2009 at 1:12 am
yes I too had the same problem mine was a phone call followed by a letter i paid teh 100 they claimed i owed befor i had recieved the letter only to find out it was for t.d canada trust i then realized that i had never had an account with td bank ever. I asked to recieve a release letter ( on the advice of my lawyer) and was told it might take up to 6 months to recieve one ill let you know if and when i fianly get it.
Did they send you a release letter? if not ask for one and tell them that if they cant provide one legal action will be taken against them the same statement theyre letter had.
August 12th, 2009 at 6:58 pm
I had a bank card on my son’s bank acct because he moved to the U.S. for a while. Years later he filed bankruptcy. I received a letter saying I owed TD around 1200.00, as my son’s acct was overdrawn & I was a co-signer on the acct.I called & asked for proof that I owed this. TD said no signature was required to get a bank card on an acct, but the info would have been sent with the card. I wrote to the CEO of the company. I got a letter from a man saying a rep would be looking into it but then he called & said he would be taking care of it. he spoke to my husband as I was out of town as my mother was deathly ill. I called this man numerous time with no reply. I then again wrote to the ceo,Mr. Tim Hockey, with no reply. This was going to a third party collections & would ruin my credit. My back was against the wall, so I paid it, with no proof from TD that I leagally was reaponsible. It would have cost me more to hire a lawyer, i know because i tried. Anybody has any solutions, I’d be glad to hear them.
August 24th, 2009 at 7:54 pm
The status of my disability income means that not only is their no money which a court would recognize as free for debt payment ($9,000 below the poverty line) but hands are tied that would access it – this is simply not legally possible. On this basis, if a court is even interested in this matter I would like this matter to go to court and the conduct of the creditor and collection agency to be aired. As I also produce and host radio as a volunteer, on the subject of disability and disadvantage, I would additionally like to produce a segment on such an action for broadcast.
O. Reg. 103/06, s. 2 If a debtor sends a collection agency or collector, by registered mail, a letter stating that the debtor disputes the debt and suggests that the matter be taken to court, the collection agency or collector shall not thereafter contact or attempt to contact the debtor, unless the debtor consents to or requests the contact.
I have received what I can describe described as “hate calls” from iQor directed at someone with a disability, with either no one on the line when I pick up, or music playing instead of a caller speaking, or a line so noisy that the caller can’t be understood speaking against the interference.
I’ll provide you with the dates -
5 Aug 2009 – 7 calls
6 Aug 2009 – 1 call
7 Aug 2009 – 5 calls
8 Aug 2009 – 2 calls
10 Aug 2009 – 4 calls
11 Aug 2009 – 5 calls
12 Aug 2009 – 4 calls
13 Aug 2009 – 3 calls
14 Aug 2009 – 4 calls
15 Aug 2009 – 2 calls
17 Aug 2009 – 1 call
18 Aug 2009 – 4 calls
20 Aug 2009 – 6 calls
21 Aug 2009 – 3 calls
22 Aug 2009 – 1 call
24 Aug 2009 – 4 calls
October 6th, 2009 at 5:25 pm
Can someone share any feedback on customer service at TD?
I don’t have good experience working with this bank.
Their systems are slow, not friendly stuff…
How can they get the highest level of customer satisfaction?
Other banks are worse?
October 7th, 2009 at 4:00 pm
email [email protected]
CEO and owner of iQor. your problem will get resolved.
Dianne Vazansky helped me in the past she is very nice and got things resolved, but she is no longer there which is unfortunate.
October 25th, 2009 at 12:13 am
is it even legal for iqor to collect on a debt that is over 8 years old?
November 19th, 2009 at 9:06 pm
I had been receiving annoying phone calls from IQOR for over 6 months. I was sick of them calling me so I finally answered. The first time, I just received dead air on the other end. The second time, I got a recorded message telling me to call a number. The third time, I actually got a woman who told me that I owe money to a collection agency and asked how and when I was going to pay.
I told her that I just had my Equifax credit check done and know with certainty that there is no outstanding balance (which is true). Without any other explanation or remark she promptly said “Have a nice day” and hung up on me. Hopefully, this means the matter has been resolved. If they call me again I’ll answer and tell them the same thing and not to call me back unless they want me to file a complaint with the local authorities for harassment.
November 25th, 2009 at 1:16 am
icore is screwing around with me right now trying to say i didnt pay off a settlement wen i have proof i did. but if they dont take that account off my credit im going to take them to court
December 16th, 2009 at 4:42 pm
so what did you end up doing? did you have to pay for it?
December 23rd, 2009 at 8:57 pm
re: calling TD to complain – it will likely do no good – they have nothing close to what you could reasonably even call “customer service.”
TD & TD Waterhouse have been completely screwing my mother around since my father died over the summer, and every time we have tried making a complaint or getting anything done we get stonewalled and/or the runaround.
If you’re looking for good customer service, I’d suggest Vancity
February 13th, 2010 at 2:08 am
TD Waterhouse is the worst broker I have dealt with despite the fact that I have President account status, their customer service is badly informed and have constantly provided me with the wrong information in regards to procedures and administrative issues relating to my account, if you are looking for quality service STAY AWAY.
February 20th, 2010 at 3:51 am
email the president of iQor [email protected] to have the matter resolved!
February 20th, 2010 at 3:34 pm
Well simply put I hate TD. After receiving horrid service and being raped for several years (210$ a month in fee’s taken from all my accounts combined) I said farewell to TD Canada Trust. They are like a sticky piece of chewing gum in your hair because after transferring your funds, RRSP’s, VISA, credit, monies, mortage, et to another better non-raping bank, TD will keep calling you. I got sent a new debit card (chipped now) from account I had closed 9 months prior. When I called to get to the bottom of why I was always being called with offers and now a new card from TD I found out that I had .03 cents in my RRSP account which they had told me when I left them and transferred the funds was closed, had to be shut down in order from the calls and debit cards to stop?!?!?!? WTF! Also I found out that TD VISA owed me 113$ dollars because I slightly overpaid the account open deactivation. After TD telling me these accounts were closed 9 months prior they still had mail, callers, cards, accounts floating around with my information! I was told I had to go to the branch to close the accounts again and get the 3 cents and the 113$ from my cancelled TD VISA account. When I got to the branch they told me I would have to deal with TD VISA to get the 113$ ?!?!?!? waste of a trip! I did get the whole 3 cents from the supposed closed and closed again RRSP account. After calling TD VISA and finally getting my money I now hope TD will leave me the hell alone! I have told them If I receive one more piece of information or call with my personal information I will take legal action. TD SUCKS!!!
March 4th, 2010 at 2:08 pm
I was thinking of applying to IQOR Cambridge-however I owe money to the TD Bank-Is it true that IQOR is the collector for TD-I have dealt with TD recovery. If anyone knows, please let me know (before I apply) Thanks.
April 13th, 2010 at 12:51 pm
I hate TD Canada Trust! My mortgage was transferred to them from Citizen bank! I cannot tell you how bad they are! Now I have to go to the bank every month and pay my mortgage, which is now in their line of credit, in person!
I just contacted a mortgage broker and I will be transferring this account to some other place! I wish there was a place where I could place a complaint!
I hope TD Canada Trust goes down to HELL!
April 20th, 2010 at 7:53 am
Please contact the OMB at 1-888-804-8198 (English) or 1-866-223-6522 (French) and someone will be able to resolve for you.
April 27th, 2010 at 11:52 am
All of you have my sympathy. Indeed. But why are you not calling the Consumer Protection Agency, the Better Business Bureau, the Fraud division of your local Police, and so on. And more than anything, use the Press. Their power has no equal.
Good luck.
May 4th, 2010 at 3:23 pm
I sympathize with everyone. Have been a long time client of TD Canadatrust and Canada Trust before they emerged. Paid mortgage and LOC on time, ran into financial difficulty got behind on mortgage payments, applied for that thing were they just add what you owe to the end of your mortgage and was turned down. Got the legal letter to pay what I owe or further legal action will be taken. I can make the regular mortgage payment but things are still tight I can’t cover past arrears and they won’t help me out. Have never applied or been given that transfer to end of mortgage option in the past and can’t get it now, but they have no problem taking my mortgage insurance each month. If I could switch my mortgage I would but its locked in for another 4 years.
Very disappointed with TD Canadatrust and their lack to help their clients.
June 2nd, 2010 at 2:29 pm
TD has about 20% good people and about 80% rotten; and td knows that. td hired these 80% rotten to give minimim wage or lowest wage possible. td never hires anyone without checking driver’s record for the past 20 years, credit record, police record, and other records. Upon checking these records, td choses from among those who have less than fair backgrounds in order to give lowest wage possible; and in return, td makes money. Those 80% harasses customers or provide poor service – for which many customers close their account. Secondly, td is focused on “offering convenience” in order to increase fees and service charges, so that td can make money. td will do and does whatever is unethical in order to increase their profit.
June 3rd, 2010 at 12:17 pm
I hate TD Canada Trust and am currently trying to decide if i should take them to small claims or not….
in 2006 I got a mortgage with a canadian bank – 5 year fixed term
- in 2009 i wanted to purchase a new home, which would mean I would be closing my first mortgage to obtain the second – the second mortgage was substainally larger then the first (like 3X)
- upon discussing the options with my mortgage specialist, i learned that my bank would charge a prepayment penalty up around $8500, pending on the interest of the day
- i informed them that if they were going to charge me this penalty in full, i would tranfer my mortgage to a different bank
- i was then told they would assess my penalty and it would be waived, just not 100%
- i repeatedly called and emailed over then following months to obtain information on the status of the penalty and the amount of waiver
- i was told that the final amount would not be known until time of disbursing payout on first mortgage
- upon recieving this disburesment i discovered that no amount of my penalty was waived
- when i complained to the branch manager, he informed me that their bank under no circumstances will waive an IRD penatly
- i later learned that their policy stats IRD penality may be waived up to a maximum of $300
- this was not shared with me at any point of my dealings
- when requesting payout information, i could understand not knowing exact dollars, but they could have shared that it would be a maximum of $300 — and if i would have known this i definetly would not be banking with them and would have shopped around for a better rate and possibly a branch that would have covered some of the penalty
Do not trust them and do not bank there!
June 24th, 2010 at 11:14 am
You should call iQor’s Consumer Advocacy Group at 888-804-8198. Or, you can email [email protected]. They will be able to help with your complaints.
July 7th, 2010 at 10:35 pm
Seriously i was on hold over an hour. i needed to speak to one of your representatives but obviously you do not have any that care enough about there job to help a single mother access her money for my child. this is ridiculous
Farrelynn Hoylk
July 9th, 2010 at 6:29 am
When I took out a 2nd mtge. TD decided to stop taking out my 1st. We were away out of country, but because they failed to do their job, somehow it was my fault because I didn’t make sure they were doing what they were suppossed to.
Took a year to go through the complaints process, the 2nd stepped in paid the legal fees and other b/s I was being charged for from TD, this is the extremely short story now.
End result all the way to the Ombudsmans office, still no explanation for this error after a year of trying to sort this mess out.
What happened to me, off work due to stress, depresion, anxiety, suicide councilling, lost my house to a tricky lawyer after I sold it, he took over on a power of sale with trumped up legal fees to deliberately create a short fall.
Whole lot more to this story, but now I’m forced to file for bankruptcy.
The best part, this has happenned more than once.
The lawyer I had to help me so I could sell my home, tells me 2 other women, exact same thing and same 2nd mtge holder.
Where was the bank when the messed up my accounts and mortgage, blaming me.
When I asked 3 other banks how they felt about what happened, they were shocked and appalled by the way I was treated.
Bi-weekly payments, they failed to take out 3, no explanation as to why and I get slammed with legal fees, occupancy checks, maintenance fees, for what I don’t know, they didn’t shovel the snow.
The way I was treated was disgusting.
Is this the same bank that messed up the other 2 ladies? I don’t know, but it wouldn’t surprise me.
July 23rd, 2010 at 8:26 pm
I have been with TD for 35yrs, just visited my local branch in Calgary for a simple transaction which they totally screwed up. As I sat waiting for an attendant I noticed about 30+ employees,none were Caucasian and that included the bank manager who told me to leave because I told them they needed to amend a transaction form and their service was very poor. BTW I am colored, but the 3rd world employees working there just sucks…time for a new bank.
August 6th, 2010 at 7:15 pm
Went in this morning with my sons fiance and made payment to TDs pitbull collection agency MJR collections. 6 months ago my son paid off all his debt with TD. Somehow the payments got lost. After repeated times trying to get the matter straightened out, they still screwed it up. The manager at the time, Chris Sirovyak, was nothing short of rude and ignorant. Will be filing a complaint with the FCAC but I have a feeling they are probaably just Toadies for the banks. Had to eat 1000 bucks. TDs systems are set up to satisfy the shareholders only and screw the customer. By the way Chris Sirovyak got promoted.
August 9th, 2010 at 10:17 am
TD Canada Trust bank FUCKING sucks. you have to answer security questions well what if you forgot them? I swear they dont fix it Im gonna close my god damn account and go to a different bank like fuck td is sooooooo retarded.
September 14th, 2010 at 10:44 pm
I see a lot of complaints in here from people who could not pay their debts. Guess what – any financial institution is going to come after you for the debts you owe. It’s a business, not a charity. If you don’t want the security of a financial institution, the flexibility of access to you cash virtually anywhere in the world then put your money in a sock.
For the guy who’s son paid off his debt, I assume he had a receipt for his payments. No? Maybe your son sucked it up his nose.
For the asian-hating guy that got thrown out of a branch – get real. My guess is that your behaviour in the branch resulted in the request that you leave.
Grow up all of you hard-done-by losers.
September 21st, 2010 at 10:40 am
Gee, Davey, you could have a future as a Bank Manager. All people struggle from time to time for whatever reason. Pray that when you’re struggling some institution doesn’t screw you over.
September 27th, 2010 at 11:46 am
I WILL TELL ANYBODY THAT HAS AN ACCOUNT AT THE TD BANK TO SWITCH OVER TO THE SCOTIA BANK I WILL START WITH MY SON AND DAUGHTER AND ALL MY FAMILY I WILL TRY CONVINCE FRIENDS AND EVERYBODY I KNOW TO SWICTH, THIS WILL BE MY TOP PRIORITY
I FINANCED A SUV WITH THEM 1 YEAR AGO IVE NEVER MISSED A PAYMENT. I AM GOING AT THE SCOTIA BANK TO FINANCE THE REMAINING BALANCE BECAUSE THEY WILL NOT FINANCE ME I PERSONALY THINK THAT THEY DONT HAVE A REASON FOR NOT TO FINANCE ME BUT THE PERSON I SPOKE TO AT HEAD OFFICE IS A JERK
September 30th, 2010 at 2:18 pm
IQOR Canada harrasing and collecting illegal debt from 19 year ago.
These scumbags are at it again. They used to be called Canadian bonded credits limited. They are just a bunch of illegal scamming theifs. You’d think this would only happen in the the third world but Iqor only hires third world employess so you get the same results. These motherfuckers say that I owe “XXXXX” $100 or so, when they were CBCL I told them 100 times I’ve never seen or heard of “XXXXX” , why would you come to me and ask me to prove that I had no dealings with “XXXXX” almost 20 years ago. So they continued to call and harass 3 times a day 365 days a year. Now these scumbags are back at it again, calling themselves IQOR. Is the GOVT of Canada and the CRTC fucking stupid. These illegal fucks tried to collect as company A and failed and now renamed themselves to company B and continue on. This is a fucking joke, how can a company just do that. Anyone out there with CBCL or IQOR debt, please write to the CRTC, do not pay these scamming fucks 1 cent. They are 100% illegal, call their head office and you will talk to some immigrant trash who hangs up the phone as soon as you say “remove me”
December 7th, 2010 at 1:01 pm
TD sucks!!! I will to the same thing as TONY said “I WILL TELL ANYBODY THAT HAS AN ACCOUNT AT THE TD BANK TO SWITCH OVER TO THE SCOTIA BANK OR ROYAL BANK I WILL START WITH MY SON AND DAUGHTER AND ALL MY FAMILY I WILL TRY CONVINCE FRIENDS AND EVERYBODY I KNOW TO SWITCH, THIS WILL BE MY TOP PRIORITY”. Cut my story short, we sold our business and deposit the check to our personal account because the business was closed. But all of sudden they called to force our to close our personal account because it was involved some business action. WTF!!! We felt insulted after being good customers for 12 years and are thinking to take some legal actions. BUT FIRST WE WILL CLOSE EVERYTHING WITH THE FUCKING TD BANK.
December 7th, 2010 at 4:15 pm
someone ordered products from a merchant and it turns out that the merchant erroneously placed the payment on my husband’s credit card (the merchant had the number from a previous purchase 6 months prior). The matter was pursued and the funds returned to the TD Visa only to be recharged with interst two weeks later. TD’s position is that the Visa number was willingly given to the merchant at the time of the first purchase even though my husband did not order the products in question, and they were not shipped to him. He knew nothing of the pruchase until it showed up on his Visa. Why would TD take the position to hold my husband responsible for this purchase is beyond me. We no longer have any confidence in doing business with TD since every merchant that we have ever done business with can put a charge to our account at random. I’m really waiting to see how this plays out to determine our next move.
December 17th, 2010 at 10:00 pm
Wow you are all pathetic. If you knew the first thing about banking you’d all realize that you’re bitching about things you could have prevented if you just paid attention to your own finances. If you really want someone to blame, blame yourself for not being resposible for you our money problems, or look for a solution before assuming that there isn’t any.
December 21st, 2010 at 9:58 am
I bought an item from the shopping channel with my Visa. A month later a second item showed up at my door that I did not oder and was charged to my Visa.
I called TD Visa; they were incrediby effecient, had the charge removed from my credit card, resolved the problem with the company sending the item.
I tried on my own to resolve the problem to no avail.
They have always been courteous and gone the extra mile. I certainly know that aggressive behaviour begets the same. Financial worries are stressful to say the least. My experience with TD has only been positive, there exployees for the most part are young and fresh and smart and always courteous.
February 4th, 2011 at 3:36 pm
well as a ex employee of Iqor canada I will tell
the truth about what is going on at this
company, everything said on this complaint board
is true. they the avp’s/managers of Iqor are
engaging in illegal unethical practices. they
cannot produce any proof of any debt they
collect. which is a violation of ministry
standards. they also have an extreme
verification process whenever they try to
contact consumers they must verify either
address or date of birth. do not give them your
info part of there company is a telemarketing
operation which is run from india they collect
calling lists for that so beware. I am not just
a bitter ex employee I feel sorry for what I
have done while in there employ collecting data
for telemarketing campaigns so in a way this
revelation is for me to clear out the bad karma.
for those seeking to work there think twice
there policy is to fire- lay off employes within
3 months I lasted 8 months. but during the time
I worked there I learned many things which I
will share if you collect an amount over 1000.00
you dont get credit for it. it is scooped taken
and given to one of there favorites so basically
you are a commisioned employee who is working
for others not yourself I will be talking to a
lawyer about that. they cannot control there
avp/managers who are selling various products
and substances on the premises. they have
recently closed the cambridge location and the
way they are losing clients the toronto location
will soon follow. do not deal with them do not
pay them your payment may go missing even though
you paid directly to there trust acct if you
have a debt that has been placed there demand
they show you proof of the debt if they cannot
then demand they remove the bad mark on your
credit report deal with the company you owe the
money to. as a consumer you have this right.
they also use a dialing system to contact
consumers that is beyond flawed none of the
numbers they call have been verified they are
calling cellphones employers everyone but the
person they are looking for 3-5 times per day
everyday, which is illegal. the head office is
in new york and whether or not they are aware of
what is going on at this location I do not know.
but what I do know is our canadian govt is
allowing this so if you get a call from this
collection agency force them to do there jobs
do not verify your info
make them show you proof of the debt
if you do actually pay them demand your release
letter and demand they update your credit report
immediately
remember you as the consumer have all the rights
and the power. do not let them harass or bully
you into paying anything. if and when they do
bend/break the law here is where you can
complain
Ministry of Consumer Services
Consumer Protection Branch
5775 Yonge St. Suite 1500
Toronto, ON M7A 2E5
Fax: 416-326-8665
phone: 416-326-8800 or 1-800-889-9768
E-mail: [email protected]
good luck
kyle
May 7th, 2011 at 12:06 pm
TD Canada trust is the worst bank ever
don’t ever banks their people all they do is take your money!
May 8th, 2011 at 11:29 pm
The original poster states, “I am loathe to use them since the bank obviously felt no compunction to deal with me in a timely manner”.
Maybe if you had paid your bill in a “timely manner”, this wouldn’t have occurred. How typically Canadian to blame someone else for your own lack of action and then come out with an idiotic statement that includes, “as far as I am concerned”. Your opinion clearly had little basis in reality in this case, didn’t it?
I hope your credit rating did suffer. Maybe it’ll teach you a sorely deserved lesson in responsibility.
June 3rd, 2011 at 1:07 pm
When you apply for a Peoples/Mappins jewels card, the financing is done through TD Canada Trust.
In September 2010, my partner purchased my engagment ring, wedding band, and diamond earrings at Peoples jewelers, he applied for their credit card (through TD), the term was no payments or interest for 12 months, that would be September 2011.
In February 2011, he purchased $75.00 earrings from Mappins, realizing he forgot his bank card, he put the earrings on the Mappins card. When he got home, he paid for the earrings via online banking. BUT, apparently, when you pay money on your card, you have to phone to specify what the money is to be put towards (who would know???) So, he paid for the earrings before the payment was due, but didn’t specify the money was towards the earrings, and had a past due payment of $15.00, realizing this, he paid it right away. TD then voided the contract for the purchase of engagement rind, wedding band, and diamond earrings ( 12 months no interest, no payments )and charged him back interest of almost $1000.00 and the payments are now in affect…….TD will do nothing!! Mappins/Peoples are presenting our complaint to them, but really don’t think it will do any good…..all over $15.00.
June 10th, 2011 at 5:43 pm
James not everyone actually owes people money. Like Rogers that scam their own customers. Maybe you should do some research before opening your fat mouth?
June 14th, 2011 at 9:31 am
I have just realized how helpless and powerless, customers who are struggling financially, are when dealing with this bank.
I acquired this experience while trying to help my son out.
My Message is:-
BE AWARE Anyone, who defaults on a TD loan, altough the loan may go to a collection agency, if you are dumb enough to deposit money in your TD account, the bank will go in there and strip it, and apply whatever they can get their hands, against your debt.
They will repo your vehicle and they will try to collect the full loan you took with at any cost.
They join partners in crime for collection on one hand and on the other continue to sell you a “You can trust us with your money model” ( Yea right!!! )They don’t care about your mental, emotional or pysical condition , we are just surfs to them.
Wake up get out everybody we will never win here.
July 8th, 2011 at 1:25 am
I have been banking with TD Canadtrust for over 20 years and the way i was treated by one of the employees at my branch was appalling. I ordered credit cards over a month back and they still cannot deliver it. They have had to cancel twice. They dont even have a system to track to determine where the cards are. Please do not bank at the TD Canadatrust Branch located in the Scarborough Towncentre. The staff are rude, they dont want to listen to you to even determine the issue. I was there to enquire about my credit cards that i ordered over a month back and they dont know where they are or when i will get them. They could have simply acknowledged the issue but instead this girl who indicated that she was an acting supervisor did not even want to acknowledge the problem but wanted to shift the blame to somebody else. When I suggested that I will talk to her supervisors she appeared to did not care.
One of TD’s guiding principles is “Delivering Legendary Service”. I can tell you it was so bad it was legendary i will never forget it.
Needless to say I will be taking my business somewhere else all because of this persons behaviour.
July 8th, 2011 at 4:16 am
Well of course they will take any money possible. If you owe them money they are entitled to take it. Read the fine print. Any financial institution with do this. Don’t default on loans/ LOCs/mts, and you won’t have a problem. Plus td has a program called the umbrella program which can help those in need. I’ve used it and they were wonderful. All you have to do is speak with an adviser. The majority of you who complain either a) go in angry and don’t listen to what you are told or b) assume things. Such as, just because you decided to bank with scotia bank, and think that they will get everything from td and transfer it to scotia and then close your accts, doesn’t mean it happens that way. If anything blame the institution you went to for not doing it properly or promising you something and not following up.
July 18th, 2011 at 10:34 pm
I have had the hardest time obtaining a refinancing of my mortgage even though for the past 5 years I’ve never missed a payment. I even had my parents cosign. The mortgage is for 195,000. The house is worth 300,000. They now tell me I need to insure my house for 375000.00!!!!!! They have put a lean for that amount “just in case I want to ever increase the mortgage in the future”. WTF??? How can I insure my house for more than it’s worth and if I only owe the mortgage 195000.00, why should they put a lean for 375000.00!!!! This has been hell for me and my senior citizen parents.
August 28th, 2011 at 6:28 pm
I hate TD canada trust.I have had a account for 9 years without any problems and all of a sudden i got hit with 9 NSF fee charges.All started off with pay pal I had my credit card linked to there but instead of pay pal taking money from my credit card they tryed my bank account first and withdrawed money from my account that had 0 funds.Dont ask me how the bank let these transations go through with out any monies or contacting me.These were unauthorized transations by pay pal.How I found out about the nfs fees was i went there to cash a check and the woman at the teller showed me what was going on and she spoke to the manger and came back and then tells me to call the number on the back of my card.So i call the back of the card and got a woman that talked to me very nicely and she was really shocked about how pay pal did these transations and tells me to go and close my account and that they will work and relsove the problem it gets worse from here.I walk into TD canada trust bank and talk with customer service and tell them the woman over the phone told me to come here to close my account.The customer service woman was very rude to me she told me that they cant remove any nfs fee charges or close my account because it is negative and that it would stay open.So I asked her to freeze my account and then she tells me that wont stop me from getting NFS fees.I tryed talking to her and she kept cutting me off.So i walked out and decided to email them and I got a reply back that saying i needed to talk to pay pal well i already did that and pay pal reversed all the charges.Then she sent me another email that my message was sent to the customer serivce department.I just keep getting screwed around by TD canada trust and they wont do anything to help.It is the wrose bank ever.I didnt do anything wrong I wasnt the one taking out money and I didnt give anyone permisson to take funds out but still get treated like crap from that bank.All I wanted was for them to close my account and help me reslove a problem and they cant even do that.
October 24th, 2011 at 5:28 pm
TD Merchant Services totally screwed up the fact that I am a seasonal business and charged me way to much money. Including $250.00 to set up the caaount then $250.00 to inactivate it and oops they trerminated it so I have to pay start up all over again. So I decided to change banks.. Now they will fix everything
December 2nd, 2011 at 3:58 pm
wHO CAN PROVIDE MW WITH A NUMBER FOR IQOR MONTREAL
January 6th, 2012 at 9:58 am
HSBC RRSP dept. leaves clients dangling for weeks with their loan approval & when it’s too late they say sorry can’t help. My regular bank approved the loan in an hour. HSBC RRSP dept. not only takes the initial deposit then charges you to transfer it to another bank after mismanaging what’s left.
January 7th, 2012 at 7:21 pm
Wah Wah Wah all I read is ppl bitching and complaining about how much they HATE TD. All of your problems have one thing in common and that is you dont take the responsibilty to track your own finances. The people who work at TD or any other bank are like you, working to keep food on the table. One big difference is they have to take shit from little bitches who blame everyone else for their problems. If all of you Hate this bank so much just go to another or hell open your own bank I’d like to see how far you go with that. I’ve worked in a customer experience atmosphere and what rings true is adults are still acting like kids. Bitching and moaning when something doesnt go their way, stop complaining take responsibilty you non contributing Zero
January 9th, 2012 at 3:54 am
To Mike:
Instead of assuming I’m fat, why don’t you man-up and get some responsibility? I know it’s like a four-letter word with people such as yourself, but you get what you deserve.
Yeah, I’m sure everyone is “scamming” you too. Take off your tinfoil hat awhile.