B18C|

last nite i call up td's telephone banking to check out some stuff and they tell me oh sir u need to go to the branch, we cant help you out right now... im like wtf why..and they didnt tell me....so today i went to the bank and the guy is like ur account is under fraud status because you deposited an empty envelope!! i had made a deposit like 2 days ago BUT it wasnt empty and now they are tellin me they gotta do their bull**** f****** investigation and i need my money...i cant believe this ****...and im never trusting those green machines again...fk this ****... i better get my money back das all im sayin...

someone shed some light on this for me...they cant get away without givin me back my money rite?

imported_dmacbo

im with scotia and td, someone cloned my debit card on my scotia account, cleaned it out and i never saw a penny, banks are such a pain in the *** til you have tons of money in your account then they treat you like gold

imported_~ILLEST CIV~

banks are retarded plain and simple...i have no comment other then that

imported_QUICKONTHEGAS

I mean, whats the point of putting ur money in there if ur only going to spend it in less then a month or two? If ur not putting ur money in for saving, its stupid. You get no interest, u have to pay to take your money out if you don't go to a branch and they tell YOU how much you can take out. Sorry I don't feel like giving the bank money for holding on to MY money. I have my own 'bank' at home that doesn't cost me a thing If I didn't get paid from my job through my bank, I would never use it!

If you can't prove that you put the money in, I don't think ur going to get anything back....I dunno though, I'm just guessing.

imported_BlazeInEk

Wouldn't the ATM camera capture you placing the money in the envolope?

imported_Joker

is this the same case with credit cards or no? `

J

or what, you gonna say some bad words to them, cause that about all you can do.
i'd say switch banks or atleast set up a whole new account with TD and then say goodbye to the money that was supposedly in the envelope cause you'll never see it again

illmatic_si

it was an old scam.. clone your card, have someone clean out your account.. then when reimbursed go 50/50. doing that was a 2 month process, so I think there's hope in getting your $$ back.

running that scam is the same as downloading copyrighted material. you're robbing the robber.

imagine you trusted me with $1000 of your heard earned money to hold on to until you needed it. how would you feel if I lent that money out to someone and collected interest on it. you trusted me with your money and I made money off you..? right or wrong is questionable, but thats what makes a market economy work.

we need to go back to the days of gold.

imported_viper_2_4

I agree with what your saying, but there is a level convenience the banks provide, instead of having to run home for some cash everytime you want to buy something.

If your interesed in some long term savings, beat the banks (and thier poor interest rates), and invest in them, they show steady profits usually, and are a solid investment.

Anyways, back to B18C's problem, keep pressing the issue with the bank, but make sure you do it in calm, professional fashion, agression won't help here (I recognize that you are venting now). My parents deal with TD and they have had a few problems similiar to this, often the problem is the people at the lower levels are either not high enough or don't care. If they can't resolve the issue keep going above thier head, call the people downtown. Keep on them, don't let them get away with it....good luck...

n1_taboo

my pay chq is in my accout about 5min...haha...in and out..

93hatchcx

man this happened to me about 2 months ago.. and im with td also
someone put in a blank envelope for 1500.00 and then withdrew 200.00. luckily that was my daily atm withdrawl limit or else they could have cleaned me out. to make things worse this was the day of my g test and their computers were down so i could only pay cash and i had none and couldnt take any out of my account.. I first went to the nearest branch they told me what happened and they gave me a cash advance to pay for my g test. then i went back and they gave me a new card reset passwords and made me fill out a form. to the point i got my money back my 200.00 bucks and it only took like 3 days to get it all back.

coreyhayman

switch to cibc, much better then td, somebody had also trioed to my debit card and retrive money but they stopped them, call me right away to confirm that it wasnt me and not a penny of my money was lost, went into the bank and the lady even told me where it happend and just there overall service and quickness was great.

QuiCK_TiME

all banks are *****, go with PC as they have no fees and will start you off with the first 500 as your allowance on any deposit.

jus put your money in, and then take it out right away.
abuse the system as much as possible b'cos they dun give a **** about you until you show them 5 digit balances.

but on a side note, TD customer service is the worst i've ever experienced.

B18C|

it is....im gonna switch to scotia bank or bmo...
*** td and cibc...**** banks

pain2bare

bottom line is that banks are a huge rip off that the gov't should be controlling more closely. They charge us up the ace with fees for using the bank when we really have no other choices. It's freakin robbery and thats that!

imported_gatherer

I have a TD kids my first account thingy .. I think it had 2.49 in it when I gave up on it.