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Home » Articles » 2003 » September

An Open Letter to the TD Bank of Canada
Posted by Brad Pineau on September 3rd, 2003 at 11:27 pm AST     [6115 views]

TD BankDear TD Bank,

Hello, how are you? I am good. I was in today to cash my pay cheque, and I have to say, I received excellent service. The teller was quick and efficient, and I was out with my cash within minutes. Oh how I wish all my visits could be this pleasant...

For the past four months, I have been cashing my pay cheques at your Queen Street branch in Charlottetown, mainly because no other banks will cash cheques from the TD Bank (which is where these are from) without a seven day hold. Now, I can understand why other banks may want to do this... and I am ok with that. What I am not ok with, is the service I get when I visit your bank.

I'm guessing that the problems come from the fact that I don't have a bank account with you, so therefore, your tellers seem to not trust me, because I'm an "outsider". They even look at me like I'm a criminal who's trying to cash a fake cheque. Sure, I guess I could open a bank account with you, but I shouldn't have to do such a thing to get proper service.

You see, each teller seems to follow their own set of bank policies. For example, one day, a teller may ask for a picture ID. Then, the next day, one will ask for 2 sets of ID, like a drivers license and a credit card. And sometimes, they don't even ask for any ID at all. Also, some tellers will not accept an expired license, while others don't even care.

Another example... some tellers need to go to the back office with the cheque to "verify" its signature... while others don't even care. One teller even made a five minute phone call. I don't know who to... but she told me it was necessary to confirm the cheque's bank account.

Another thing that seems to cause trouble is when I want to buy a money order to pay my apartment rent. Some tellers will sell me the money order with no problem... while others tell me that I should have an account with them. I was once even told that I couldn't buy a money order, and I had to go out to the car to get my girlfriend (who does have account with them), transfer the money to her account, and then buy the money order.

On top of all this, getting into your Queen Steet branch is such a pain in the ass at 9:30 in the morning.. it takes about fifteen minutes to even find a parking spot.

So you see, every visit is like a new experience. I never know what I need to do to get my cheque cashed. I understand that banks need policies... but tellers need to follow them all the time, and not selectively like they have been doing. It just confuses us customers...

Anyways, I just thought I'd let you know that I'm an extremely unhappy customer. This letter doesn't do my unhappiness justice.

See you next payday!
Sincerely,
Brad Pineau.


The above is a letter I have written to the TD Bank. I haven't sent it (I don't really plan on sending it) but it did feel good to write the letter and vent my anger.
 

39 Replies

Posted by Will on September 4th, 2003 at 12:52 am AST [email] [website]

I say send it. Just as equally as you have a right to give feedback, they have a responsibilty to provide consistent services. The fact that the complaint has to do with the security of your money is reason enough.

Posted by Ron on September 4th, 2003 at 1:03 am AST [email] [website]

I agree send it.

Also, just a few things about the above(U know I am about giving my opinion .. always to try to help tho).

1. get a book of checks and send postdated checks to your lanlords. Save u $$ and headaches.

2. If you go to your bank(say CIBC) and tell them you would like the hold on checks taken off any deposits they will do it. I went to mine and had no problem getting this removed. Again saves headaches.

I have not been to a teller in two or three years .. and I think my life is much better because of this.

Posted by Brad Pineau on September 4th, 2003 at 1:24 am AST [email] [website]

1. get a book of checks and send postdated checks to your lanlords. Save u $$ and headaches.

You are absolutly right, Ron, I should get cheques.

If you go to your bank(say CIBC) and tell them you would like the hold on checks taken off any deposits they will do it. I went to mine and had no problem getting this removed. Again saves headaches.

My current bank is with Scotiabank.. I already asked them if they could take the hold on desposits off... they said they could only do this if I had a credit card with them.

Posted by Will on September 7th, 2003 at 1:27 am AST [email] [website]

Royal Bank offers no delay on cheques for a standard personal account. You will pay a bit more, though.

Posted by Glasseyerod on September 8th, 2003 at 1:28 pm AST [email]

I like Ron have no need for a bank teller, hell now that I have discovered online banking I have cut down on my visits to ATM's and paying bill is a breeze (I did not even know where to drop my modem off when I disconnected my internet since I always pay bills online).

And yes Royal bank is good for cashing cheques, now it might be that I have a visa through them, or might be that I have been a client wioth them for 20 some years, but I can deposit a cheque at an ATM, then withdraw that money seconds later.

Back to my shark porn.

Posted by Brad Pineau on October 14th, 2003 at 9:51 pm AST [email] [website]

Well, they flat out refused to cash my cheque today. Aparently it's their policy to not cash cheques to people who don't have an account with them. Last I checked, I haven't had an account with them for 5 months now. *shrug*. So in order to get the cheque cashed, I had to open an account with them. Bastards.

Posted by Jamie on November 26th, 2003 at 12:05 pm AST

Brad, your woes are valid, but you need to understand this is how banking works. Anyone who says that service is always consistant at a particular bank is wrong, TD employs the widest variance of employees, from seniors to students, parents to single adults, and only because their hours of operation allow them to do so. If you're not happy just say thanks, and try again at another branch. Each teller must take responsibility for what they do, and if it was me, I wouldn't cash your cheque either. Why would I want to take responsibility for someone I didn't know, or could verify, because my butt would be on the line if your cheque was returned!

Posted by Brad Pineau on November 26th, 2003 at 1:38 pm AST [email] [website]

I'd love to say thanks and try at another branch - but the other branches I was at said to go to the TD Bank.

I understand completely that banks need to follow procedures... but there's no reason the rules can't be consistent. Why would one teller "take a chance" and cash my cheque, but others wont?

I'm moreso annoyed that every visit to the bank, something new came up that was never an issue before. Cashing my cheque was always an adventure...

Also to note, I've had an account with TD Bank for over a month now, and I have had no problems at all with them. From my perspective, it seems that they don't want business with non-customers.

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Posted by your mom on August 18th, 2005 at 5:30 pm AST

That is simply outrageous. Who cares if they know you or not? They are cashing a cheque from one of their accounts. As long as you have the proper identification you are entitled to receive the funds.

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