I have been with TD Bank for almost ten years now, and it's never been easy dealing with their customer service reps. My issues with them started about four years ago when I attempted to order checks from them.

With most other banks, this is a very easy and free thing to do. With TD Bank (which at the time was Commerce Bank), I was charged $50 in error for my first order of checks and it took the checks - literally - over a year to arrive at my house with the correct address and account information. The only reason I remained with them was because they were a customer of mine at work.

More recently, the issues have gotten much worse. I received a call last summer asking if I wanted to enroll in their Advance program, which would basically allow my checking account to be overdrawn. I didn't understand the specifics of the program and the rep grew upset with me, saying "most customers are joining this program, " so I did. She explained that I would be charged $35 for each day my account was overdrawn, which was fine with me since that had almost never happened previously.

Last week, I learned the hard way that the rep was, in fact, incorrect and that the $35 charge was per transaction, not per day. I was $5 overdrawn on Monday at 10 a.m. when I checked my online account and went to deposit cash into my account at noon in order to avoid the $35 charge. By the next day, $210 in overdraft fees were tacked onto my account. Apparently 6 transactions took place on my account when I was $5 overdrawn, between the hours of 10 a.m. and noon. When I called to complain, I escalated to the director level and was blamed for the misunderstanding. They were willing to credit $70 of the $210, but that was all. Never have I experienced such terrible customer service.

I already began transferring my savings earlier this year but I just opened a checking account with another bank and cannot wait to close my account with TD Bank. I would not recommend them to anyone, even with their convenient hours. With online banking and other banks starting to have more hours of operation, it is not worth it to go with this joke of a company.

OMG, same thing happened with me, I was charged $210 for 6 purchases on the day while only last transaction over-drafted my account by $5. They tell me I don't understand that I didn't have money. But they don't want to acknowledge that I had money for first 5 transactions and I shouldn't be charged OD fee for those 5. I called them 3 times, I'm going to the branch tomorrow but I don't think it will work neither. I can't wait when I can close my account.