call td bank 1 800 number

A prospectus, obtained by calling 800-669-3900, contains this and other important information about an investment company. Read carefully before investing. Please refer to the Customer Service number on the back of your card for additional information for specific card support. Bank of America consumer credit and. Business Banking · Commercial Banking · Wealth Management · Personal Banking · Investor Relations · Contact Us · Careers · Find a Branch · Routing Number 021406667.

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Accessibility at TD Bank: Meeting Each Customer’s Needs

Whether you choose to bank online, by phone, at our ATMs or in person, TD Bank makes accessibility a priority.

Our commitment to each customer experience starts with making banking accessible to every customer. From TD Bank locations to ATMs, online banking to alternate format statements, we are committed to meeting our customers' needs.

Feedback and requests

Call 1-866-251-35521-866-251-3552 to let us know how we're doing on meeting your needs and how we might improve.

Customers who are deaf or hard of hearing can dial 711 to use TTY or a Telecommunications Relay Service (TRS), or use a preferred relay service to connect to TD at 1-866-251-35521-866-251-3552.

Making accessibility a priority

Tabs Menu: to navigate this menu, use the left & right arrow keys to change tabs. Press tab to go into the content. Shift-tab to return to the tabs.
  • Accessibility Services

  • Telephone Banking Services

  • ATMs

  • Bank Locations

Accessibility services

Alternate format statements

Customers can request their monthly checking and/or savings account statements in a variety of alternate formats, including Braille, large print, e-text, accessible pdfs or audio CDs. To request this free service call 1-866-251-35521-866-251-3552 anytime or visit a TD Bank.

Raised line large print checks

Large print, raised lines checks allow for easy reading and check writing and can be oriented by touch. Available to order online, by phone or at your nearest TD Bank.

Enlarged processed check images

Upon request, we will provide enlarged check images of the front and back of the processed checks associated with your account along with your monthly statement (minimum number of 4 checks per page). To request this free service call 1-888-751-90001-888-751-9000 anytime or visit a TD Bank.

Telephone banking services

There are several telephone banking options to make managing your finances more convenient:

Bank by phone: Call 1-800-937-20001-800-937-2000 to access your account information and conduct transactions 24/7 with this easy-to-follow automated system available in English and Spanish.

Live customer service: Help is available 24/7 at 1-888-751-90001-888-751-9000 in English and Spanish. Translators are available to assist customers speaking other languages.

TTY and Telecommunications Relay Services
Callers who are deaf, hard of hearing, deafblind or have speech impairment may contact TD through TTY (Text Telephone), Video Relay or other Operator Assisted Relay services. Dial 711711 or your preferred Telecommunications Relay Service and connect to TD at 1-888-751-90001-888-751-9000.

ATMs

All of our 1,900+ ATMs from Maine to Florida are accessible to customers with disabilities.

Audio capability: Access in English by plugging in a standard headset – you'll be guided through your transaction while the screen appears blank. A Braille sticker on all ATMs directs vision-impaired customers to the audio jack.

Design features: All ATMs provide height and reach requirements to support wheelchair accessibility and are fully compliant with ADA guidelines.

Bank locations

Our TD Bank locations are designed with accessibility and convenience in mind:

  • All new stores feature automated/accessible doors, vestibules and washrooms as well as wheelchair-access to ATMs and service areas.
  • Retrofitting of older stores to enhance accessibility is an ongoing effort.
  • Where possible, at least one parking space is reserved for customers with disabilities.
  • Extended evening and weekend hours provide added time and convenience.

Find a TD Bank location

Enabling a comfortable online experience

There are a number of accessibility features on your computer and mobile device that can help maximize the comfort of your online experience.

Devices

For help customizing any of the following features, choose the appropriate link(s) for your operating system and/or browser below.

  • Increasing the size of the text on the screen
  • Magnifying the contents on the screen
  • Enabling high-contrast text
  • Having the words on the screen read out loud to you

Operating systems

To modify system colors, text size, mouse pointers or enable text-to-speech, choose the appropriate link for your operating system:

Browsers

To learn how to use the zoom magnification features or enable high-contrast text, choose the link for your browser:

Employment opportunities

Join a team that celebrates inclusion and diversity.

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Источник: https://www.td.com/us/en/personal-banking/universal-footer/accessibility/

this bank makes a different kind of change.

For our clients and in our communities, we help make change for the better.

Our Community Impact

Bank at Half Past Now or Quarter ‘Til Whenever

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Send money to friends and family securely and quickly with Zelle®. Whether you’re settling up IOUs or splitting a bill for takeout, Zelle makes it easy to send and receive money in minutes.

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Tips and How-To's

Saving & Budgeting

How to Avoid Fraud When Banking Online

Having the ability to pay for goods and services online without cash or checks makes it easier than ever to complete purchases and conduct bank business. But all that online convenience makes it easier for scammers and hackers to access bank funds online, too.

June 2021How to Avoid Fraud When Banking Online
Saving & Budgeting

Do "Revenge Spending" the Right Way

As the world reopens, consumers are ready to splurge on themselves. Use these tips to "revenge spend" wisely.

August 2021Do "Revenge Spending" the Right Way

The path to financial wellness starts here.

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

Источник: https://www.key.com/personal/index.jsp

Consumer Financial Protection Bureau Announces Settlement with TD Bank for Illegal Overdraft Practices

WASHINGTON, D.C. – The Consumer Financial Protection Bureau (Bureau) today announced a settlement with TD Bank, N.A. regarding its marketing and sale of its optional overdraft service: Debit Card Advance (DCA). TD Bank is headquartered in Cherry Hill, New Jersey, and operates about 1,250 locations throughout much of the eastern part of the country. The Bureau found that TD Bank’s overdraft enrollment practices violated the Electronic Fund Transfer Act (EFTA) and Regulation E by charging consumers overdraft fees for ATM and one-time debit card transactions without obtaining their affirmative consent, and that TD Bank engaged in deceptive and abusive acts or practices in violation of the Consumer Financial Protection Act of 2010 (CFPA). The Bureau also found that TD Bank engaged in practices prohibited by the Fair Credit Reporting Act (FCRA) and its implementing Regulation V. Today’s consent order requires TD Bank to provide an estimated $97 million in restitution to about 1.42 million consumers and to pay a civil money penalty of $25 million.

The Bureau specifically found that TD Bank charged consumers overdraft fees for ATM and one-time debit card transactions without obtaining their affirmative consent in violation of EFTA and Regulation E, both after new customers opened checking accounts at TD Bank branches and after new customers opened checking accounts at events held outside of Bank branches.

The Bureau further found that when presenting DCA to new customers, TD Bank deceptively claimed DCA was a “free” service or benefit or that it was a “feature” or “package” that “comes with” new consumer-checking accounts. In fact, TD Bank charges customers $35 for each overdraft transaction paid through DCA and DCA is an optional service that does not come with a consumer-checking account. When TD Bank enrolled some consumers in DCA over the phone, TD Bank deceptively described DCA as covering transactions unlikely to be covered by DCA. In some instances, TD Bank engaged in abusive acts or practices by materially interfering with consumers’ ability to understand DCA’s terms and conditions. In some cases, TD Bank: required new customers to sign its overdraft notice with the “enrolled” option pre-checked without mentioning the DCA service to the consumer at all; enrolled new customers in DCA without requesting the customer’s oral enrollment decision; and deliberately obscured, or attempted to obscure, the overdraft notice to prevent a new customer’s review of their pre-marked “enrolled” status in DCA.

The Bureau also found that TD Bank violated FCRA and Regulation V by failing to establish and implement reasonable written policies and procedures concerning the accuracy and integrity of consumer-account information it furnished to two nationwide specialty consumer reporting agencies. The Bureau also found that TD Bank failed to conduct timely investigations of indirect consumer disputes concerning its furnishing to one of those specialty agencies.

To provide relief for consumers affected by TD Bank’s unlawful overdraft enrollment practices, the Bureau’s consent order requires TD Bank to provide an estimated $97 million in restitution to about 1.42 million consumers. TD Bank must also pay a civil money penalty of $25 million. The consent order also requires TD Bank to correct its DCA enrollment practices, stop using pre-marked overdraft notices to obtain a consumer’s affirmative consent to enroll in DCA, and adopt policies and procedures designed to ensure that TD Bank’s furnishing practices concerning nationwide specialty consumer reporting agencies comply with all applicable Federal consumer financial laws.

The consent order is available at: https://files.consumerfinance.gov/f/documents/cfpb_td-bank-na_consent-order_2020-08.pdf

###

The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visitwww.consumerfinance.gov.

Источник: https://www.consumerfinance.gov/about-us/newsroom/cfpb-announces-settlement-td-bank-illegal-overdraft-practices/

Trading anywhere else would be settling

Carefully consider the investment objectives, risks, charges and expenses before investing. A prospectus, obtained by calling 800-669-3900, contains this and other important information about an investment company. Read carefully before investing.

Market volatility, volume and system availability may delay account access and trade executions.

Reviewed against 10 other online brokers, TD Ameritrade was named #1 Overall Broker in the StockBrokers.com 2021 Online Broker Review (3 years in a row). We rated #1 in several categories, including "Platforms & Tools" (10 years in a row), "Education" (9 years in a row), “Beginner Investors” (9 years in a row), “Desktop Trading Platform: thinkorswim®” (9 years in a row), and “Active Trading”. We were also rated Best in Class (within the top 5) for “Commissions & Fees”, "Offering of Investments" (7 years in a row), "Research" (10 years in a row), "Mobile Trading" (9 years in a row), "Ease of Use" (5 years in a row), "IRA Accounts" (2 years in a row), “Futures Trading” (2 years in a row) and "Options Trading" (11 years in a row). Read the full article.

†Applies to US exchange listed stocks, ETFs, and options.  A $0.65 per contract fee applies for options trades.

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.

Brokerage services provided by TD Ameritrade, Inc., member FINRA/SIPC, and a subsidiary of The Charles Schwab Corporation. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. ©2021 Charles Schwab & Co. Inc. All rights reserved.

Источник: https://www.tdameritrade.com/

Contact TD Bank Customer Service

TD Bank Phone Numbers and Emails

Toll-Free Number:

  • (888) 751-9000

    General Assistance

Customer Service:

  • (888) 751-9000

    General Assistance

  • (800) 937-2000

Self-Service Phone Line:

  • (877) 700-2913

    Cross-border Banking

  • (800) 815-6849

    Home Equity Loans and Lines of Credit

  • (866) 325-4516

    Mortgage Loans

  • (800) 400-3603

    TD Ameritrade

  • (888) 561-8861

    TD Cards

  • (888) 568-7130

    TD Connect Card

  • (855) 219-8050

    TD Go Card

  • (866) 235-1248

    TD Wealth

TD Bank Email:

Jobs/ Career

More phone numbers and emailsLess phone numbers and emails

TD Bank Contact Information

Corporate Office Address:

TD Bank Operations Center

P.O. Box 219

Lewiston,Maine04243-0219

United States

Edit Business Info

TD Bank Rating Based on 296 Reviews

Rating details

Product or Service Quality

Rating Details

Product or Service Quality

Diversity of Products or Services

Discounts and Special Offers

Close

All 517 TD Bank reviews

Summary of TD Bank Customer Service Calls

610 TOTAL
CALLS

07:43 AVG CALL
DURATION

13% ISSUES
RESOLVED

Top Reasons of Customers Calls

Consumers Call the Most From

Why Do People Call TD Bank Customer Service?

Account Question:

  • “Balance of debit card”
  • “Balace”
  • “Account balance”

Payments and Charges Question:

  • “Debit card”
  • “Fraudulent charges”
  • “Phone call that money will be debited from account t for purchase I never made or recurved”

Cards Question:

  • “My card was charged and i have not made any transactions”
  • “I'm trying to buy something online i can't use my card”
  • “Credit card”

Request for Information Question:

  • “To check my acct balance”
  • “I need a new checking account”
  • “Checking account”

Product/ Service Question:

  • “Daily withdrawal increase”
  • “Unverified withdrawal”
  • “Cant withdrawal”

Activation/ Cancellation Question:

  • “Cancel an order”
  • “Need to activate my atm card”
  • “Cancel check”

Staff Question:

  • “Costumer service”
  • “Bc ive been lied to by 2 customer service agents and 2 supervisors”
  • “Customer service”

Return/ Replace Question:

  • “Replacement cars”
  • “Replace bankcard”
  • “Replacement card because can't access my funds because of fraud”

Employment Question:

  • “Pay off”
  • “Mortgage pay off”

Refund Question:

  • “Refund”
  • “Would like a refund for a td gift card never used however fees took up the entire gift card basically feel like this is fraud having the expiration date is deceiving”

Shipping and Delivery Question:

  • “Did not receive my debit card requested last week”
  • “To get the 888665 phone number”

Other Question:

  • “Order checks”
  • “Fraud”
  • “Money”

About

Top TD Bank Services

Customer Care, Banking Service, Online Banking

Top TD Bank Products

Account, Checking Account, Gift Card

TD Bank Pros and Cons

Pros: Employees at my local branch, Long hours to customers, Open 5 days, Excellent service at the branch, Easy use of card

Cons: Cusomer service abilty to help just blows you off, Incompetence, Poor communication, Phone service, Lack of customer care

Related Companies

TD Bank Group, Td Canada Trust

Summary

TD Bank, America's Most Convenient Bank, is one of the 15 largest commercial banks in the United States. TD Bank was founded in 1852. TD Bank offers a broad array of retail, small business and commercial banking products and services to more than 6.5 million customers in Connecticut, Delaware, the District of Columbia, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont and Virginia.

TD Bank reviews and complaints

TD Bank is ranked 173 out of 778 in Banks category

Edit Description

Compare TD Bank To

Companies are selected automatically by the algorithm. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. The algorithm parameters are: user's rating, number of resolved issues, number of company's responses etc. The algorithm is subject to change in future.

Источник: https://td-bank.pissedconsumer.com/customer-service.html

Banking With You In Mind.

Applicants

Home BancShares, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, veteran status, family or marital status, gender identity or expression, or any other characteristic protected by law.

Employment at Home BancShares, Inc. is "at-will."  "At-will" means employees are free to resign at any time, with or without cause.  Likewise, "at-will" means Home BancShares, Inc. may terminate employment at any time, with or without cause or advance notice.  No supervisor or representative of HBI has any authority to enter into any agreement for employment for any specified period of time, or to make any agreement contrary to HBI's employment-at-will policy.  This policy may not be changed without the express written approval of the Board of Directors or its designated representatives.

Click here to view Equal Employment Opportunity Posters provided by the OFCCP.

If you are an individual with disabilities who needs accommodation or you are having difficulty using our website to apply for employment, please contact Centennial Bank by phone at (501) 328-4732 or by email at [email protected]

Continue to External Site
Источник: https://www.my100bank.com/

Trading anywhere else would be settling

Carefully consider the investment objectives, risks, charges and expenses before investing. A prospectus, obtained by calling 800-669-3900, contains this and other important information about an investment company. Read carefully before investing.

Market volatility, volume and system availability may delay account access and trade executions.

Reviewed against 10 other online brokers, TD Ameritrade was named #1 Overall Broker in the StockBrokers.com 2021 Online Broker Review (3 years in a row). We rated #1 in several categories, including "Platforms & Tools" (10 years in a row), "Education" (9 years in a row), “Beginner Investors” (9 years in a row), “Desktop Trading Platform: thinkorswim®” (9 years in a row), and “Active Trading”. We were also rated Best in Class (within the top 5) for “Commissions & Fees”, "Offering of Investments" (7 years in a row), "Research" (10 years in a row), "Mobile Trading" (9 years in a row), "Ease of Use" (5 years in a row), "IRA Accounts" (2 years in a row), “Futures Trading” (2 years in a row) and "Options Trading" (11 years in a row). Read the full article.

†Applies to US exchange listed stocks, ETFs, and options.  A $0.65 per contract fee applies for options trades.

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.

Brokerage services provided by TD Ameritrade, Inc., member FINRA/SIPC, and a subsidiary of The Charles Schwab Corporation. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. ©2021 Charles Schwab & Co. Inc. All rights reserved.

Источник: https://www.tdameritrade.com/

Contact TD Bank Customer Service

TD Bank Phone Numbers and Emails

Toll-Free Number:

  • (888) 751-9000

    General Assistance

Customer Service:

  • (888) 751-9000

    General Assistance

  • (800) 937-2000

Self-Service Phone Line:

  • (877) 700-2913

    Cross-border Banking

  • (800) 815-6849

    Home Equity Loans and Lines of Credit

  • (866) 325-4516

    Mortgage Loans

  • (800) 400-3603

    TD Ameritrade

  • (888) 561-8861

    TD Cards

  • (888) 568-7130

    TD Connect Card

  • (855) 219-8050

    TD Go Card

  • (866) 235-1248

    TD Wealth

TD Bank Email:

Jobs/ Career

More phone numbers and emailsLess phone numbers and emails

TD Bank Contact Information

Corporate Office Address:

TD Bank Operations Center

P.O. Box 219

Lewiston,Maine04243-0219

United States

Edit Business Info

TD Bank Rating Based on 296 Reviews

Rating details

Product or Service Quality

Rating Details

Product or Service Quality

Diversity of Products or Services

Discounts and Special Offers

Close

All 517 TD Bank reviews

Summary of TD Bank Customer Service Calls

610 TOTAL
CALLS

enemy at the gates gif 07:43 AVG CALL
DURATION

13% ISSUES
RESOLVED

Top Reasons of Customers Calls

Consumers Call the Most From

Why Do People Call TD Bank Customer Service?

Account Question:

Payments and Charges Question:

  • garnier bb cream review “Debit card”
  • “Fraudulent charges”
  • “Phone call that money will be debited from account t for purchase I never made or recurved”

Cards Question:

  • “My card was charged and i have not made any transactions”
  • call td bank 1 800 number “I'm trying to buy something online i can't use my card”
  • “Credit card”

Request for Information Question:

  • “To check my acct balance”
  • “I need a new checking account”
  • “Checking account”

Product/ Service Question:

Activation/ Cancellation Question:

Staff Question:

  • “Costumer service” call td bank 1 800 number
  • “Bc ive been lied to by 2 customer service agents and 2 supervisors”
  • “Customer service”

Return/ Replace Question:

Employment Question:

Refund Question:

  • “Refund”
  • “Would like a refund for a td gift card never used however fees took up the entire gift card basically feel like this is fraud having the expiration date is deceiving”

Shipping and Delivery Question:

  • “Did not receive my debit card requested last week”
  • “To get the 888665 phone number”

Other Question:

About

Top TD Bank Services

Customer Care, Banking Service, Online Banking

Top TD Bank Products

Account, Checking Account, Gift Card

TD Bank Pros and Cons

Pros: why is too much caffeine bad for you when pregnant Employees at my local branch, Long hours to customers, Open 5 days, Excellent service at the branch, Easy use of card

Cons: Cusomer service abilty to help just blows you off, Incompetence, Poor communication, Phone service, Lack of customer care call td bank 1 800 number

bank asia student account Related Companies

TD Bank Group, Td Canada Trust

Summary

TD Bank, America's Most Convenient Bank, is one of the 15 largest commercial banks in the United States. TD Bank was founded in 1852. TD Bank offers a broad array of retail, small business and commercial banking products and services to more than 6.5 million customers in Connecticut, Delaware, the District of Columbia, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont and Virginia.

TD Bank reviews and complaints

TD Bank is ranked 173 out of 778 in Banks category

Edit Description

Compare TD Bank To

Companies are selected automatically by the algorithm. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. The algorithm parameters are: user's rating, number of resolved issues, number of company's responses etc. The algorithm is subject to change in future.

Источник: https://td-bank.pissedconsumer.com/customer-service.html

'We do it because our jobs are at stake': TD bank employees admit to breaking the law for fear of being fired

A CBC report earlier this week about TD employees pressured to meet high sales revenue goals has touched off a firestorm of reaction from TD employees across the country — some of whom admit they have broken the law at their customers' expense in a desperate bid to meet sales targets and keep their jobs.

Hundreds of current and former TD Bank Group employees wrote to Go Public describing a pressure cooker environment they say is "poisoned," "stress inducing," "insane" and has "zero focus on ethics."  

Some employees admitted they broke the law, claiming they were desperate to earn points towards sales goals they have to reach every three months or risk being fired. CBC has agreed to conceal their identities because their confessions could have legal ramifications.

TD insists all its employees are to follow the company's code of ethics, but many employees who contacted Go Public said that's impossible to do given the sales expectations.

"I've increased people's lines of credit by a couple thousand dollars, just to get SR [sales revenue] points," said a teller who worked for several years at a TD branch in Windsor, Ont.

He admits he didn't tell the customers, which is a violation of the federal Bank Act.

Another teller with over 20 years' experience at an Ontario TD branch said she has increased customers' overdraft protection amounts without their knowledge, and increased their TD Visa card limits on the sly — all to earn units towards her sales revenue target.

Many TD workers wrote to say they are on medical leave, suffering from anxiety and/or depression because of the constant pressure to upsell customers.

One teller on sick leave described how a manager stood behind her three times a day, pushing her to sell more.

They just really stress you out . I'd be be thinking … 'What can I do tomorrow to try and get sales?'- TD teller 

"They just really stress you out and say, 'You're not doing good. I need you to do double the amount you've been doing.' I couldn't sleep. I'd be thinking … 'What can I do tomorrow to try and get sales?'"

She admits to upgrading customers to a higher-fee account without telling them.

"Because that gives us sales revenue. And the customers don't have to sign for it."

'I wouldn't have noticed the $29.95'

Bev Beaton believes she's been a victim of a TD teller desperate to generate sales revenue.

In January, she noticed a service charge on her account for $29.95. When she called TD to ask about it, she was told it was because she was in an account that required her to keep a minimum monthly balance of $5,000 or she would be charged that monthly fee.

"I said, 'I did not ask for this account. There's no way I would have asked for this account.' And [the bank employee] said, 'You must have.'"

When Beaton checked her statements, she saw that she'd been moved to the higher-fee account last May, but only noticed when her balance dropped below $5,000 for the first time in December and she was hit with the service charge.

"I was very annoyed," Beaton said. "And I think it's dishonest. Because if I wasn't looking at my statement closely, I wouldn't have noticed the $29.95."

In a written statement to CBC News, the CEO of TD Bank Group, Bharat Masrani, said Call td bank 1 800 number has "a long history of providing great customer service." 

"We do that by listening and responding to our colleagues and our customers," Masrani wrote. "We'll continue to do so. We are in the trust business. Everything we do is about earning call td bank 1 800 number sustaining the trust of those we serve."

Financial advisers also admit deceit 

TD employees tell Go Public the pressure to deceive customers extends beyond front-line staff to workers handling wealth management.

I have invested clients' savings into funds which were not suitable, because of the . pressure.- TD financial adviser 

"We do it because our jobs are at stake," said one financial adviser in Ontario.

She admits she acted in her own interest rather than that of her clients after being put on a Performance Improvement Plan — a program that involves coaching and could result in termination of employment — because she wasn't meeting her sales targets.

"I call td bank 1 800 number invested clients' savings into funds which were not suitable, because of the SR [sales revenue] pressure," she said. "That's very difficult to admit. I didn't do this lightly."  

'I was forced to lie to customers'

A former TD financial adviser in Calgary says he would downplay the risk of products that gave him a big boost towards his quarterly goal.

"I was forced to lie to customers, just to meet the sales revenue targets," he said.

"I was always asked by my managers to attach unnecessary products or services to the original sale just to increase the sales points — and not care if the customer can afford it or not."

A financial adviser who worked for six years in Nanaimo, B.C., before quitting says "people eventually snap, or lose all sense of themselves and do anything to close sales."

"I have had multiple conversations with branch and district managers. These conversations led to my being asked if I was still the right fit for the job."

Employees must abide by code of ethics: TD 

In statement provided to Go Public, TD spokesperson Daria Hill wrote every employee must "act ethically and . not allow a focus on business results to come before our focus on customers."

In an internal letter written to TD employees and obtained by Go Public, Andy Pilkington, executive vice-president of branch banking, wrote, "We don't believe the [CBC] story is an accurate portrayal of our culture," but said the report was an opportunity "to pause, reflect and ask ourselves . how we can do better for our people and our customers."

One TD teller balked at Pilkington's letter, sending an email to Go Public that says, "Maybe if they stood back for a moment and thought about how they have put so much pressure on employees (with ridiculous sales goals) they wouldn't be in this situation right now!"

Concern for seniors 

News that bank employees are required to meet what they consider to be extreme sales goals — with some even acting underhandedly — is a concern to Wanda Morris, vice-president of advocacy for CARP, a national advocacy association for people over age 50.

"As people age, there's a little bit of decline in their cognitive functioning so they trust others and are potentially at risk from somebody who doesn't have their best interests at heart," she said.

"Canadian banks are some of the most profitable companies in this country. I hope we'll see … some more empathy towards both employees and customers."

Calls for government intervention

Democracy Watch founder Duff Conacher says the fact that hundreds of bank employees have written to express concern over their high-pressure sales environment is an indication that Ottawa needs to act.

"We need the federal government to put rules in place and stop being so negligent — allowing the banks to get away with this unethical gouging and unethical sales practices," he said.

"The fact that the CBC is revealing this as opposed to [the Financial Consumer Agency of Canada] or the ombudsman for banking services shows just how much the government has failed to ensure that those protection watchdog agencies have the powers, have the mandate and the resources to do their job."

Conacher says now is the time for people to pressure Ottawa to tighten bank regulations because the federal Bank Act is currently under review.

"I just find it amazing that we haven't seen any political party or politician stand up and say, 'We're what time does the bank open in jailbreak roblox to make these key changes to ensure that banks are required to serve everyone fairly . and look out for their customers' best interests and not just try and gouge them.'"

with files from James Roberts 

Submit your story ideas

Go Public is an investigative news segment on CBC-TV, radio and the web.

We tell your stories and hold the powers that be accountable.

We want to hear from people across the country with stories they want to make public.

Submit your story ideas at Go Public.

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Источник: https://www.cbc.ca/news/business/td-bank-employees-admit-to-breaking-law-1.4016569

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Consumer Financial Protection Bureau Announces Settlement with TD Bank for Illegal Overdraft Practices

WASHINGTON, D.C. – The Consumer Financial Protection Bureau (Bureau) today announced a settlement with TD Bank, N.A. regarding its marketing and sale of its optional overdraft service: Debit Card Advance (DCA). TD Bank is headquartered in Cherry Hill, New Jersey, and operates about 1,250 locations throughout much of the eastern part of the country. The Bureau found that TD Bank’s overdraft enrollment practices violated the Electronic Fund Transfer Act (EFTA) and Regulation E by charging consumers overdraft fees for ATM and one-time debit card transactions without obtaining their affirmative consent, and that TD Bank engaged in deceptive and abusive acts or practices in violation of the Consumer Financial Protection Act of 2010 (CFPA). The Bureau also found that TD Bank engaged in practices prohibited by the Fair Credit Reporting Act (FCRA) and its implementing Regulation V. Today’s consent order requires TD Bank to provide an estimated $97 million in restitution to about 1.42 million consumers and to pay a civil money penalty of $25 million.

The Bureau specifically found that TD Bank charged consumers overdraft fees for ATM and call td bank 1 800 number debit card transactions without obtaining their affirmative consent in violation of EFTA and Regulation E, both after new customers opened checking accounts at TD Bank branches and after new customers opened checking accounts at events held outside of Bank branches.

The Bureau further found that when presenting DCA to new customers, TD Bank deceptively claimed DCA was a “free” service or benefit or that it was a “feature” or “package” that “comes with” new consumer-checking accounts. In fact, TD Bank charges customers $35 for each overdraft transaction paid through DCA and DCA is an optional service that does not come with a consumer-checking account. When TD Bank enrolled some consumers in DCA over the phone, TD Bank deceptively described DCA as covering transactions unlikely to be covered by DCA. In some instances, TD Bank engaged in abusive acts or practices by materially interfering with consumers’ ability to understand DCA’s terms and conditions. In some cases, TD Bank: required new customers to sign its overdraft notice with the “enrolled” option pre-checked without mentioning the DCA service to the consumer at all; enrolled new customers in DCA without requesting the customer’s oral enrollment decision; and deliberately obscured, or attempted to obscure, the overdraft notice to prevent a new customer’s review of their pre-marked “enrolled” status in DCA.

The Bureau also found that TD Bank violated FCRA and Regulation V by failing to establish and implement reasonable written policies and procedures concerning the accuracy and integrity of consumer-account information it furnished to two nationwide specialty consumer reporting agencies. The Bureau also found that TD Bank failed to conduct timely investigations of indirect consumer disputes concerning its furnishing to one of those specialty agencies.

To provide relief for consumers affected by TD Bank’s unlawful overdraft enrollment practices, the Bureau’s consent order requires TD Bank to provide an estimated $97 million in restitution to about 1.42 million consumers. TD Bank must also pay a civil money penalty of $25 million. The consent order also requires TD Bank to correct its DCA enrollment practices, stop using pre-marked overdraft notices to obtain a consumer’s affirmative consent to enroll in DCA, and adopt policies and procedures designed to ensure that TD Bank’s furnishing practices concerning nationwide specialty consumer reporting agencies comply with all applicable Federal consumer financial laws.

The consent order is available at: https://files.consumerfinance.gov/f/documents/cfpb_td-bank-na_consent-order_2020-08.pdf

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The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visitwww.consumerfinance.gov.

Источник: https://www.consumerfinance.gov/about-us/newsroom/cfpb-announces-settlement-td-bank-illegal-overdraft-practices/

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