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03-07-2017, 07:31 PM
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#26 | | RS has made me the bitter person i am today!
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Originally Posted by Euro7r  Never liked TD and never will bank with TD ever again. I had a kids savings account when I was young, I would put in money I get from Christmas etc., into the savings. One year, they started charging account fees, which made no sense to me as kid, I don't even have a job to pay for service fees. They didn't send me mail to inform me or even tell me about it when I deposit money into the account until I called them out on the spot and flipped out on them. I demanded a refund of the fees back and I was a furious child back then, took out all the money and closed the account on the spot that day lol. | This is EXACTLY what happened to me. Except i didn't flip out at them because i know the tellers don't deserve to be yelled at like that.. Tho i really wanted to.
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03-07-2017, 07:35 PM
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#27 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
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Originally Posted by radioman Out of curiosity do are you guys seeing this as a negative thing for consumers or employees of TD?
When I go into any TD branch its hit or miss if I get asked to buy overdraft protection, get a new LOC increase or anything else they can throw at me. Its not very difficult to say no. I don't see how this is hurting the consumer. Now there could be instances of a teller misinforming a customer into using or getting one of those features but I've never run into that occurrence after 12 years of banking with TD.
Working in a toxic environment that sets quotas for these is where I can see a problem and I feel for TD staff but they can leave if its not the environment they think they signed up for. | For a normal person, it's pretty easy to say no. That doesn't make it okay, though.
For elderly people, people with mental disabilities, and other vulnerable people, it's extremely easy (and extremely wrong) to convince them to purchase services and products they don't need.
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03-07-2017, 07:50 PM
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#28 | | I contribute to threads in the offtopic forum
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Originally Posted by BIC_BAWS I should have done the due diligence | You answered your own question.
In the case of SDI. People fall for these scams because they're blinded by their own greed. How about saying no, do your homework and then go for the offer if you agree with the terms?
"There's no free meal". It's a damn good cliche for a reason.
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03-07-2017, 07:52 PM
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#29 | | Rs has made me the man i am today!
Join Date: Oct 2008 Location: Van604
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have to kinda agree with OP on this one.
The only reason I have a TD account is because it is literally 15 steps away from my work, and my boss uses TD, so my cheque will clear instantly when I bring it in...
I always just cash it on the spot and give it to my wife... she puts most of it into our shared RBC account, and rest of it just use for everyday stuff.
So yea, there are only 2 transactions a month on my TD account, 2 cashed cheques...
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03-07-2017, 09:48 PM
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#30 | | I don't get it
Join Date: Feb 2011 Location: Hawaii
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All banks are like this. For one to think or expect otherwise is ill-advised.
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03-07-2017, 10:05 PM
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#31 | | Everyone wants a piece of R S...
Join Date: Oct 2005 Location: Vancouver
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who doesnt have $5000 in their account..come on 
joke aside, i think TD is pretty good, i have the all inclusive acct which i know many of you have probably.
never really upselling except an extra page on easyweb when you first sign in, it asks if you would like to know more or just click skip.
Last time i phoned in, the guy was nice enough to let me know to download an app which gives me notification on my phone everytime a transaction take place in cheque acct or my aeroplan visa. i thought that was pretty neat
I, for one, like TD, lol
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03-07-2017, 10:35 PM
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#32 | | Everyone wants a piece of R S...
Join Date: Jul 2013 Location: burnaby
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Wow, welcome to real fucking life where you have to be responsible.
Unrealistic sales targets? You are expecting a business to operate and be profitable correct? I am not saying it is right to scam or take advantage of you but in this scenario it is all your fault for not paying attention to your financials.
edit: Why don't you bitch to Grocery stores about asking you to donate $1 every time you checkout.
Thats aggressive and makes me feel bad every time I say no
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03-07-2017, 10:42 PM
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#33 | | I don't get it
Join Date: Mar 2012 Location: GVR
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Originally Posted by RickyTan3 edit: Why don't you bitch to Grocery stores about asking you to donate $1 every time you checkout.
Thats aggressive and makes me feel bad every time I say no | It's okay to say no and don't feel bad about it. I felt bad every time I had to say stuff like that when I worked retail but we had to say it regardless.
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03-07-2017, 11:01 PM
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#34 | | RS.net, helping ugly ppl have sex since 2001
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Dont be baited by TD tellers when they try to act friendly with you
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03-08-2017, 03:11 AM
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#35 | | Diagonally parked in a parallel universe
Join Date: Feb 2011 Location: Vancouver
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Originally Posted by Mike Oxbig Dont be baited by TD tellers when they try to act friendly with you | What if they have big tits?
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03-08-2017, 07:48 AM
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#36 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: Vansterdam
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Opposite experiences with TD. Been with them my entire life (I'm mid 30's) and they've never tried to upsell me some bullshit whenever I see a teller, in fact the opposite. I'd say once every 4 visits they ask me about my TD Low Interest Visa card with an annual fee of I think it's $25 or $30 and if I would like to consider changing to a free one because I'm not carrying a balance until I say look what my interest is and then they go speechless. Although I suppose they still get a sale if you will if I changed cards? But all I've ever got from TD is them looking out for my interests in terms of costs savings.
I pay $3.95 in fees a month for my checking which is acceptable to me. No real complaints to make me want to leave.
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03-08-2017, 07:58 AM
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#37 | | RS has made me the bitter person i am today!
Join Date: Apr 2013 Location: revscene
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Originally Posted by winson604 Opposite experiences with TD. Been with them my entire life (I'm mid 30's) and they've never tried to upsell me some bullshit whenever I see a teller, in fact the opposite. I'd say once every 4 visits they ask me about my TD Low Interest Visa card with an annual fee of I think it's $25 or $30 and if I would like to consider changing to a free one because I'm not carrying a balance until I say look what my interest is and then they go speechless. Although I suppose they still get a sale if you will if I changed cards? But all I've ever got from TD is them looking out for my interests in terms of costs savings.
I pay $3.95 in fees a month for my checking which is acceptable to me. No real complaints to make me want to leave. | Good to hear that you've had a positive experience. Looks like the experiences vary from branch to branch. Thanks for a constructive reply
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03-08-2017, 08:01 AM
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#38 | | OMGWTFBBQ is a common word I say everyday
Join Date: Apr 2006 Location: Tres Ciudades
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i bank with CIBC but i have a joint account with my wife with TD and it's day and night between the two banks
I've never received a call to ask how my experience was with CIBC in the 15+ years I've banked with them...whereas pretty much after some kinda transaction I do with TD, I get a goddamned survey call for the next 5 days.
The other thing that bugs me to shit about TD is the awkward small talk tellers try to make based on info they pull from my account.
"How's work at X going?"
"...you've been at X, X years, what's it like?"
"Seems like you got a raise at X, nice!"
Uh, if i want to talk about my private life, I'll bring up my private life. I hate small talk, it makes it even worse when the stuff you're telling is stuff I know you've read from my profile. Just shut up and do your job, and let's make this transaction quick and easy.
CIBC, by contrast, has never done that to me. Hell, beyond the Hi, how's it going, they've never tried to chat me up based on anything from my account unless it was something that could be beneficial to me (ie. a LOC increase, a beneficial change to my account, etc) which is great.
Only great thing about TD is they definitely hire hotter tellers than CIBC.
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03-08-2017, 08:02 AM
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#39 | | reads most threads with his pants around his ankles, especially in the Forced Induction forum.
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When ever RBC calls me to get me to sign up for some service I usually just say I am in the washroom atm and is not a good time. They usually won't call back for a few months at least.
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03-08-2017, 08:09 AM
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#40 | | RS.net, helping ugly ppl have sex since 2001
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Originally Posted by Chronix What if they have big tits? | They would've use their talents else where
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03-08-2017, 08:14 AM
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#41 | | I told him no, what y'all do?
Join Date: Aug 2006 Location: Vancouver
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Originally Posted by Euro7r Never liked TD and never will bank with TD ever again. I had a kids savings account when I was young, I would put in money I get from Christmas etc., into the savings. One year, they started charging account fees, which made no sense to me as kid, I don't even have a job to pay for service fees. They didn't send me mail to inform me or even tell me about it when I deposit money into the account until I called them out on the spot and flipped out on them. I demanded a refund of the fees back and I was a furious child back then, took out all the money and closed the account on the spot that day lol. | funny i had a similar experience with RBC. I had a grandfathered account that had zero charges b/c i was a kid and when i moved as a teen i asked to update my account and the teller told me only way i can do that is to close the account and open a new one at their branch. new account meant i was incurring fees and when i figured it out they said too bad they can't re-open grandfathered accounts.
then when i cancelled telephone banking b/c i no longer needed it i realized it's been over a year of continually charging me fees because it was never cancelled. they could only credit me back a few months, it's all the system would allow them. for me it's RBC never again.
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03-08-2017, 11:06 PM
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#42 | | I don't get it
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went from long term TD customer to coast capital, shittier machines, but no hidden fees and this charge , that charge, that's how TD builds so many nice buildings, but once i get a bigger balance , im back to TD, they have the most & convenient locations in town.
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03-09-2017, 06:13 AM
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#43 | | My dinner reheated before my turbo spooled
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We can say this about all banks.
Minimize your interaction with them.
At the end of the day you're responsible for your finances.
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03-09-2017, 06:45 AM
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#44 | | RS has made me the bitter person i am today!
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General comment for the general consensus here: Are all banks ethically irresponsible then?
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|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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03-09-2017, 06:33 PM
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#45 | | Wunder? Wonder?? Wander???
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Originally Posted by BIC_BAWS General comment for the general consensus here: Are all banks ethically irresponsible then? | There is nothing wrong with the bank informing people of products they offer, and really there isn't anything the bank as an entity is doing wrong.
The ethical problem is when sales reps push financial products knowing full well that are not right for the customer
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03-09-2017, 09:00 PM
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#46 | | RS has made me the bitter person i am today!
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Originally Posted by MrPhreak The ethical problem is when sales reps push financial products knowing full well that are not right for the customer | You make a very good point. It's the methods that managers suggest employees to use that bothers me. Some employees are okay with it, some are not.
I feel like one day it'll stab them in the back re: Uber employees. http://jalopnik.com/companies-are-ma...not-1793047267
Open for discussion
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|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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03-09-2017, 11:33 PM
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#47 | | look at these diamonds, they shining
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i've built a decently nice portfolio of clients over the years and i never try to upsell them shit. my old boss used to teach me when i was a teller to "do what's right for the customer" and i've stuck to that motto for my whole career in banking. my clients are sticky because they know I work for their best interests. i don't need to call random ppl or attempt to upsell to strangers because i make my sales targets off my portfolio + their referrals.
the people who get most upset with banks are the ones who probably don't have a relationship with an advisor of some sorts to look out for them. from my observations, the people who complain the most are usually the people who don't have money. the customers who do have money never have an issue with the bank, and if they ever did, it'd get resolved almost right away.
sorry folks but that's life. banks of course try to cater to the needs of all their clientele but because of sales quotas, the customers with money will usually get an overall better banking experience.
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03-09-2017, 11:51 PM
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#48 | | RS has made me the bitter person i am today!
Join Date: Apr 2013 Location: revscene
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Originally Posted by Drow i've built a decently nice portfolio of clients over the years and i never try to upsell them shit. my old boss used to teach me when i was a teller to "do what's right for the customer" and i've stuck to that motto for my whole career in banking. my clients are sticky because they know I work for their best interests. | Good on you man, I'm glad to hear that there are tellers/bankers who have ethics. I'm sure there's plenty more, but our media just likes to show the negatives. Then again, it's almost an (naive) expectation that banks should be ethically responsible.
Glad to hear that you're looking out for your customers
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|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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03-10-2017, 12:02 AM
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#49 | | .
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Originally Posted by 6o4__boi Only great thing about TD is they definitely hire hotter tellers than CIBC. | yup  | |
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03-10-2017, 02:22 AM
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#50 | | Rs has made me the man i am today!
Join Date: May 2002 Location: vancouver
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Originally Posted by Drow the people who get most upset with banks are the ones who probably don't have a relationship with an advisor of some sorts to look out for them. from my observations, the people who complain the most are usually the people who don't have money. the customers who do have money never have an issue with the bank, and if they ever did, it'd get resolved almost right away.
sorry folks but that's life. banks of course try to cater to the needs of all their clientele but because of sales quotas, the customers with money will usually get an overall better banking experience. | that's incredibly short sighted. everyone has to start from some where.
my experience with TD mirrors Euro7r's.
i opened an account with them for my first job (which i didn't work many shifts since i was still in hs). TD kept nickle and diming me bc i didn't have enough funds in my account. eventually i got fed up, closed that account and never looked back
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Originally Posted by Fei-Ji haha i can taste the cum in my mouth | Quote:
Originally Posted by orgasm_donor organge7 has spoken, and we have done the opposite. yay! | | |
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