TD Bank

Good day,
I have attached a response regarding your Revdex.com complaint.
[redacted] | Customer Advocate
Chairman's Service Center
TD Bank, America's Most Convenient Bank ®

Mr. [redacted], please contact us so that we may speak to you regarding your complaint.  Our attempts to contact you have not been successful.  Thank you.

Good Day [redacted],A copy of your car title will be mailed and you will be receiving it shortly. If you have any questions, please contact me at [redacted].

Some further review is needed, you will have a response soon.

Thank you for allowing us the opportunity to assist with your concern.  TD Bank will be issuing you a credit of $1,560.00 as we would like to ensure that all of your future banking with us is positive.  We do hope this resolution is satisfactory.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

I have attached the above response regarding your Revdex.com complaint.
Thank you,
[redacted] | Customer Advocate
Chairman's Service Center
?
TD Bank, America's Most Convenient Bank ®

The bank rep told me that if I apply there I could get the same promotion, I even show them the screen shot from my phone, and I got a firmed confirmation that I would get the same promotion. Later they told me that this was an online only offer, which makes this practice fall in the bait-and-switch category and it is illegal in [redacted].  As a result, I am requesting this credit inquery to be removed because my will to apply the credit card was based on a false advertising and deception. Thank you so much, let me you know if you need any infomration.
Regards,
[redacted]

Revdex.com:
Yes, I did receive a call from [redacted] Dec 15th saying that he was "mortified and embarrassed" by what happened with the [redacted] Branch.  Yes -everything that is in his letter is what he had told me over the phone.He did put...

me in connection with [redacted]- who was very nice and helpful & informative with my options.   She also told me that the loan modification group would be sending paperwork thru the mail which I was to complete and then deliver to [redacted] at the [redacted]  branch.   I asked [redacted] if it would be ok to use the November paystubs (if needed and which the [redacted] branch had copies of) to submit with the paperwork.  She said that it "shouldn't be a problem."I received the paperwork on Dec 18th -completed most of it.  I left the monthly pay column blank -since I get paid bi-weekly and my paychecks are always different, I was not sure what to answer for this column.   Plus they had 2 of my pay stubs -so I wasn't sure if it was necessary that I even had to complete this column.  I figured I would ask [redacted] about it when I delivered the paperwork on Friday.Here is another less than desirable experience that I had.  I am not sure if I need to submit another complaint -or if it could just be added on to this complaint since everything is related.  However, this also needs to be noted:I go to the [redacted] Bank on Friday Dec 19th. I take the day off from work so I can get there early and get this taken care of. I get to the bank at around 8:30 am.  The bank teller asks me who I am there to see and I tell her who I am and that I have paperwork to give to [redacted].   She points to a woman who is with another customer at the Penny Arcade (which looks like some sort of gigantic loud change counter).  She tells me to have a seat and that [redacted] will be with me in a moment.    So the customer leaves, and [redacted] begins to clean up the Penny Arcade.  I am waiting for the Bank Teller to inform her that I am sitting there. Which she doesn't.  So now Im not sure if I should interrupt and tell her myself (which I shouldn't have to do).  Finally [redacted] sees me and asks if I am waiting for a bank teller.  I tell her my name and tell her that in fact,  I am waiting for her to go over my paperwork. She tells me to "give her a minute".  She then goes and gets a vacuum so she can clean the Penny Arcade. She stops and then goes over to a man at the front desk and points at me and tells him something (I can't hear).  She comes over to me and tells me that [redacted] the assistant store manager will be sitting with me.  Obviously, [redacted] will  be too busy vacuuming the Penny Arcade to sit with me.  I go to a desk with [redacted] and give him my paperwork.  He  just stares at it.  I explain to him -try to explain that is - its so loud from the vacuuming that I can't even hear myself -what is going on (since [redacted] did not tell him). He says "I know nothing about this."  I am assuming that he means the Load Modification Group since I already know he has no idea what my personal situation is.  So- If he knows nothing than why am I sitting with him and not with [redacted] (who I was told by [redacted] and [redacted] that I would be sitting with?  I explain to him that [redacted] said that the 2 November pay stubs that they had on file would be ok to fax with the other paperwork.    He has to go into this system to find my pay stubs so he can print them.  Of course, he forgets his passwords because he "is never in this system."  I have to wait about 15 minutes as he tries to remember his passwords, and when he can't he has to call the people who run the system so he can get his passwords from them.  During this whole [redacted]e I am looking over at [redacted] who is now done vacuuming but assisting other customers at the front desk.   Why isn't she coming over to make sure everything is ok?  Finally -[redacted] gets the passwords and is in the system.  He also seems to be preoccupied with the workmen changing the lightbulbs in the chandeliers hanging from the ceiling -"Its so bright in here now" -  I had to hear a few [redacted]es.   Anyways, there is another issue. Now that he is in the system- He does not know how to print.  I watch again for about 10 minutes as  he tries to figure this out.  He can't -so  he  has to call someone and ask them how to.   They don't know how to print either.  Im at this point thinking this is another bad joke  being played on me.  I tell [redacted] that if he needs more recent pay stubs that I can get them and bring them back on Monday.  He tries to call [redacted] -who doesn't answer her phone.   He hangs up and figures if [redacted] told me the November pay stubs are ok -then it should be ok.  Great. Can we please print now so I can leave?  I told him to try doing "Crtl P" -Im trying to  help him to move this a long quicker.  He said he tried that but it doesn't work.   A few minutes later I see him hit 2 keys on the keyboard (Crtl P -perhaps?)  and it finally prints.  He goes and gets my pay stubs and comes back to the desk.  I explain to him that I left the monthly pay column blank on the paperwork because I was not sure how to complete it since my pay stubs are always different.  He tries calling [redacted] again because he is not sure what to do.  [redacted] still does not answer her phone.  FINALLY -this is almost 45 minutes later -[redacted] comes over.  Maybe its because she sees the frustration on my face?  Who knows?  But she comes over -I am waiting for [redacted] to ask her about the Pay Column.  Which he doesn't.  I don't want to be sitting there for another hour -so I ask her.  She answers me immediately and says "just put your annual salary in there."   I tell her that I want this paperwork to be as perfect as it can be- she replies with "I know because you have been thru so much."  Hum. Obviously, I haven't.   Does she stay to see if there are any other issues?  No.  She leaves.   Now [redacted] goes to fax my paperwork & pay stubs to the Loan Modification Group.  Im sitting and waiting.  Again this is taking about 10 minutes.  I am so frustrated that I am going thru this again.  Also I took the day off from work to sit at the bank -which was suppose to be  to finish up my Christmas shopping.  [redacted] comes back and apologizes for the fax taking so long.  He goes back into the fax room and again I sit and wait.   Finally he comes out and tells me that we have to move to another desk.  Are you kidding me?  No -we do because some other woman has to sit at the particular desk we are at.   So we move -he made copies of my paperwork and told me that the Loan Modification group would probably be in touch directly with me if they needed anything else.  I am actually worried that they didn't even get the paperwork with the morning that I had.  And Im also paranoid as to what kind  of experience that am I going to have with them.   Again -very frustrating experience at yet another TD Bank branch.  Something that should have taken possibly 20 minutes took an hour.  If [redacted] -who was familiar with everything  & my situation -took the [redacted]e (instead of vacuuming and waiting on other customers) maybe this would not have happened.  Or maybe it would have-?  With these last two experiences, Im thinking it probably would have.I am not asking that these people fall down at my feet -but a little respect would be nice.  I am not sure where TD Bank employees are learning their customer service skills from.  This issue above also needs to be addressed.I am accepting the fact that [redacted] spoke to the employees at the [redacted] branch about their behavior and lack of communication. He also told me that since the loan modification process would take some [redacted]e that he would be picking up the difference for my January payment.  He said he would send me a check and reimburse me or however I wanted to handle it.  This was omitted from his letter -so I wanted to add it here. I thank him for that as I have said before that the high increase in my monthly payments will be impossible for me to pay.   I am accepting (and thankful) for [redacted] putting me in touch with the Loan Modification Group (which I should have been told about back in October-why I wasn't is still a mystery. I am wondering how many other customers do not know about this).  At this point, I don't think anything is resolved yet until I hear from the Loan Modification Group.However
Regards,
[redacted]

Thank you for allowing us to address your concern, Mr. [redacted].  The account in question has been closed and you no longer owe anything to our collections team.

Good Day,
I have attached a response regarding your Revdex.com complaint.
Thank you,
[redacted] | Customer Advocate
Chairman's Service Center
TD Bank, America's Most Convenient Bank ®

Good Day Mr. [redacted],
We are in receipt of your Revdex.com complaint. After research, we are unable to locate out bound calls being made to the phone number that you provided.   We do not have that number listed in our files.
[redacted] |...

Customer Advocate
Chairman's Service Center
TD Bank, America's Most Convenient Bank ®
??

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
I am rejecting because as I stated I would like all the fees associated with the bill payment mistake including overdraft fees occurred for bills that were set up in October that were not paid because of excessive fees occurred 
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business...

and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint #[redacted]. Please add your rejection comments below. 
[I tried reaching out to [redacted] to discuss her response, but she has yet to return my voice mail and as a result, I am rejecting this response. The response is factually incorrect and does not address how the error was made. I scheduled the payment using the online banking tool on October 9, 2014. Not October 10, 2014 as [redacted] suggested in this letter. Therefore, there is no way I would have known the exact amount my balance would have been since I received a direct deposit into my account the following day. Additionally, there was no mention of the lack of customer service and knowledge I received throughout this ordeal. Only after being told different things by different supervisors and repeatedly calling, was the local branch manager (where I bank) contacted to get involved and put money in my account so I can pay bills. It is absolutely ridiculous that TD Bank had no remedy for an error they made and no accountability anywhere across the board.]
Regards,
[redacted]

I have been working with TD Bank to resolve my issue. I am pleased to report that all the numbers in my account appear to look good now. I made the payment for March, and it did post properly as well. Although this problem was irritating and time consuming, it looks like I now had the right person working on my case and he was able to get the job done.
Regards,
[redacted]

Revdex.com:
1) I thanks Revdex.com for services they...

provide to the communities. the services the government suppose to provide but they fail us. If there was no Revdex.com how would we live in this country where the government allow the big corporation to be judge and party.
2) I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Good Day,
I have attached a response regarding your Revdex.com complaint.
Thank you,
[redacted]e | Customer Advocate
Chairman's Service Center
TD Bank, America's Most Convenient Bank ®

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my...

complaint will be closed as resolved. 
Regards,
[redacted]