TD Canada Trust Total Incompetency Nationwide

        I was on vacation and went to use my credit card and it was declined. I was forced to call the TD credit card call center.  They informed me of some fraud charges on my card and that they had cancelled my card. They maintained they tried to reach me by phone, however no record of this was ever found, nor did they attempt to contact me email either. I believe it is their policy not to contact you.

       They said the $2000 plus  fraud charges would be refunded on my card, however when I checked the balance on my card, I found that they had debited the fraud charges rather than credited them. I now had $4000plus of unauthorized charges on my card. I was forced to call them again, and they maintained they would correct this error. When I checked my balance again, I found that they had credited the $2000 debit error, but put me back to square one with original $2000 plus fraud charges still on my card.

      At this point I had logged hours on the phone with them, sometimes waiting 30 minutes to reach someone do to call volume.  No wonder the wait times are so long, when they are making the most incompetent errors that even a fifth grader couldn't possible make.

     So when I was forced to call them  yet again, I demanded to speak with the department that keeps making these incompetent errors. I was then transferred to India where I was unable to communicate with the person on the phone, while trying to explain to simply minus the plus fraud charges on my card, stating they didn't have the authority to do this.