TD Bank, Alberta, Calgary, 49 MCKENZIE TOWNE AVE SE

McKenzie S.E. Calgary branch would certainly benefit by having a new Branch Manager .

Over the last 46 years; I have experienced 4 blunders as they affected my finances. 1. In 1998, I had placed a phone call to T.D. to make a last ditch contribution to my existing R.R.S.P's. The call centre was located in the Philippines. When I spoke to the operator, as nice as she was, she couldn't barely speak a lick of English; so as a result she mixed up my instructions and took out the money and instead of depositing my funds from my checking account. So; the result being, instead of breaking even or making a dollar or two, I ended up paying taxes, which is what I was trying to avoid. The second mishap was when I purchased a vacation package over the phone. The advertised vacation package was left on the copier at work; so I called the company to investigate. It sounded too incredible, but since the offer came in at work, I figured it must have some legitimacy. THE fellow immediately requested my Visa card information as he said the trip is 99% sold out. So; I complied...then he hung up! I called back to the number that was on the phone, but there was no answer. The guy just charged me $600. Immediately, I ran to my bank and informed them of the whole scenario. The then manager, said ...no need to worry Mr. Kyle; we will put through a refund for you and it will take 48 to 72 hours before the funds are returned. I checked my Visa account everyday, and noticed that there was nothing positive happening. A week later I went back to speak with the manager to express my concerns and he explained, once you give that number out, we are not responsible for it. I then clamoured, but I thought my card was protected against this type of fraudulent transactions. "Nope" you're on your own. That was that. #3 Last May of 2020. Once a year I usually change up my Visa Gold Card along with my debit card for security purposes. In addition to this, I don't do any online banking either. When I recieved my new card and the statement that later followed, I noticed that the statement didn't reflect the payments that I had made on the old card. I called T.D. Canada (the easy line), and they stated that not to worry, that the next statement will probably reflect a more up to date balance. So; I skipped paying that month a month for which I had 3 Brother in laws pass away and one sister in law given 24 hours to live with Brain Cancer. Our house was struck by hail and the property was severely damaged ($70, 000) worth, and I still didn't see any of the payments that I made on my billing statement. I then went to use my credit card one day for a small $100 purchase and it was rebuked! So; I called the T.D. bank and went through all my payments and finally got it all straightened away after much toiling. #4 October of 2020. I am now requiring my home insurance company (intact) to send me a cheque so that I can get some much needed restorations done. Intact communicated to me that they still have T.D.'s name on the title. I said but that's impossible, I paid it all out in June of 2015. $133 thousand dollars. Well it's still there she said. So; I went down to my bank, only to find out that the former manager decided to keep T.D.'s name on the title so as to avoid any possible identity theft. WHAT?? Yes that's what I suggest. Since then, I have spoke to several T.D. employee's and that was a first to them. Now that's over 5 years ago; and apparently he had my name on a "line of credit document" which I knew absolutely nothing about. I mean...I never received any documents sent to me stating as such. Not a SINGLE ONE! So; where he came up with this is beyond me. I'm getting all this from an administrator at the Mckenzie bank branch. After explaining to the administrator that I require a letter removing T.D. entire interest in my property, she then explained that won't happen. You will have to wait 30 days for such a letter to arrive, after I close this account. Fast forward now to 26 days later, I get a strange document that arrives in my mail box. It's a letter stating that everything is $0 on my line of credit. So; I called up the administrator, and asked is this the letter that I"m supposed to send to Intact. I don't know. I said well it's only one page allow me then to read it to you. So I did. She then was dumbfounded and still didn't know. I asked her, well have you not ever dealt with one of these closure letters before, do you not have these standard forms in your system? She then replied only in the backroom. What is the back room? Like how am I supposed to know this? You don't even know it or recognise it yourself Why can't you simply go to the backroom and ask to look at one I asked? No, because I prefer to do it myself. Well what good is it I asked, if I don't know what to look for and you don't know what it is that I should be looking for? At that point she started getting short and snippy and raising her voice to me. I then said, I'im just trying to make heads or tails out of this, and your not being responsible enough to even identify the document. How do I know for example, that if I sent this off to Intact, that this won't suffice? I don't do I ? She then started actually hollering at me and said that she's been on the phone far too long with me. It was here that phoned me, when indeed I was expecting a call from that branch manager. The branch manager doesn't return her calls I guess. I said well....it was you that called me, hopefully to provide some clarification on what it is that this document that I'm holding is, and what will the other document (if there is still one to come) will look like. Anyway, we were simply chasing each other in circles, and I knew she knew as much or less than I did, and since the Branch manager won't be respectful enough to return calls, then I have no choice but to file complaints and look for a new financial institution after 46 years. There is in my opinion, poor leadership in that bank. Maybe its all over in T.D. I really don't know. But when some young lady calls me and wants to precipitate and vitriolic argument and then raises her voice at me, then that organization has lost my respect . Dignity and respect is something that is earned, it's not automatically a given. This week, I'll be looking for another bank. The manager there is non existent. Whenever there is trouble in any business, one just simply has to take a landscape view from the top down, and you will find your answers. If you are satisfied or not satisfied with the quality of service in this department TD Bank, leave your feedback or

Over the last 46 years; I have experienced 4 blunders as they affected my finances. 1. In 1998, I had placed a phone call to T.D. to make a last ditch contribution to my existing R.R.S.P's. The call centre was located in the Philippines. When I spoke to the operator, as nice as she was, she couldn't barely speak a lick of English; so as a result she mixed up my instructions and took out the money and instead of depositing my funds from my checking account. So; the result being, instead of breaking even or making a dollar or two, I ended up paying taxes, which is what I was trying to avoid. The second mishap was when I purchased a vacation package over the phone. The advertised vacation package was left on the copier at work; so I called the company to investigate. It sounded too incredible, but since the offer came in at work, I figured it must have some legitimacy. THE fellow immediately requested my Visa card information as he said the trip is 99% sold out. So; I complied...then he hung up! I called back to the number that was on the phone, but there was no answer. The guy just charged me $600. Immediately, I ran to my bank and informed them of the whole scenario. The then manager, said ...no need to worry Mr. Kyle; we will put through a refund for you and it will take 48 to 72 hours before the funds are returned. I checked my Visa account everyday, and noticed that there was nothing positive happening. A week later I went back to speak with the manager to express my concerns and he explained, once you give that number out, we are not responsible for it. I then clamoured, but I thought my card was protected against this type of fraudulent transactions. "Nope" you're on your own. That was that. #3 Last May of 2020. Once a year I usually change up my Visa Gold Card along with my debit card for security purposes. In addition to this, I don't do any online banking either. When I recieved my new card and the statement that later followed, I noticed that the statement didn't reflect the payments that I had made on the old card. I called T.D. Canada (the easy line), and they stated that not to worry, that the next statement will probably reflect a more up to date balance. So; I skipped paying that month a month for which I had 3 Brother in laws pass away and one sister in law given 24 hours to live with Brain Cancer. Our house was struck by hail and the property was severely damaged ($70, 000) worth, and I still didn't see any of the payments that I made on my billing statement. I then went to use my credit card one day for a small $100 purchase and it was rebuked! So; I called the T.D. bank and went through all my payments and finally got it all straightened away after much toiling. #4 October of 2020. I am now requiring my home insurance company (intact) to send me a cheque so that I can get some much needed restorations done. Intact communicated to me that they still have T.D.'s name on the title. I said but that's impossible, I paid it all out in June of 2015. $133 thousand dollars. Well it's still there she said. So; I went down to my bank, only to find out that the former manager decided to keep T.D.'s name on the title so as to avoid any possible identity theft. WHAT?? Yes that's what I suggest. Since then, I have spoke to several T.D. employee's and that was a first to them. Now that's over 5 years ago; and apparently he had my name on a "line of credit document" which I knew absolutely nothing about. I mean...I never received any documents sent to me stating as such. Not a SINGLE ONE! So; where he came up with this is beyond me. I'm getting all this from an administrator at the Mckenzie bank branch. After explaining to the administrator that I require a letter removing T.D. entire interest in my property, she then explained that won't happen. You will have to wait 30 days for such a letter to arrive, after I close this account. Fast forward now to 26 days later, I get a strange document that arrives in my mail box. It's a letter stating that everything is $0 on my line of credit. So; I called up the administrator, and asked is this the letter that I"m supposed to send to Intact. I don't know. I said well it's only one page allow me then to read it to you. So I did. She then was dumbfounded and still didn't know. I asked her, well have you not ever dealt with one of these closure letters before, do you not have these standard forms in your system? She then replied only in the backroom. What is the back room? Like how am I supposed to know this? You don't even know it or recognise it yourself Why can't you simply go to the backroom and ask to look at one I asked? No, because I prefer to do it myself. Well what good is it I asked, if I don't know what to look for and you don't know what it is that I should be looking for? At that point she started getting short and snippy and raising her voice to me. I then said, I'im just trying to make heads or tails out of this, and your not being responsible enough to even identify the document. How do I know for example, that if I sent this off to Intact, that this won't suffice? I don't do I ? She then started actually hollering at me and said that she's been on the phone far too long with me. It was here that phoned me, when indeed I was expecting a call from that branch manager. The branch manager doesn't return her calls I guess. I said well....it was you that called me, hopefully to provide some clarification on what it is that this document that I'm holding is, and what will the other document (if there is still one to come) will look like. Anyway, we were simply chasing each other in circles, and I knew she knew as much or less than I did, and since the Branch manager won't be respectful enough to return calls, then I have no choice but to file complaints and look for a new financial institution after 46 years. There is in my opinion, poor leadership in that bank. Maybe its all over in T.D. I really don't know. But when some young lady calls me and wants to precipitate and vitriolic argument and then raises her voice at me, then that organization has lost my respect . Dignity and respect is something that is earned, it's not automatically a given. This week, I'll be looking for another bank. The manager there is non existent. Whenever there is trouble in any business, one just simply has to take a landscape view from the top down, and you will find your answers.