HORRIBLE Customer Service, Shady Fee System, Unannounced Changes To Terms. AVOID.

Absolutely HORRIBLE customer service, shady fee systems, and unannounced changes of terms.  And "Mike," specifically, is condescending, insulting, and half the reason I'm closing my bank account with TD

In short, my account was wrongly charged without my consent, which caused it to drop below $100.  This triggered a $14 fee.

When I called and explained the situation completely calmly, "Mike" refused to reverse the fee even though it was obviously not my fault.  When I (still completely calmly) told him that I would be closing my account in that case, he said he "doesn't respond to threats" and that he understands "that it can be emotional" but that this is his policy.  He then proceeded to tell me (yes, attempted to authoritatively TELL me) that I will open a regular savings account and pay $3.99 a month to have the account open.

1.  "Emotional?"  Because I'm a woman, this must be an "emotional" problem rather than one of fairness, as though I'm a "hysterical woman" and he clearly knows best.  Pure sexism, because I never once raised my voice.  Actually, cold clean logic dictates that if one bank is charging me unfair fees for someone else's error, it would save me money to switch to a better bank that won't.

2.  $3.99 per month for the privilege of holding my money?  That was the first point at which I showed any emotion - I laughed at him.

In closing?  Avoid TD at all costs.  There are much better banks and credit unions (that didn't receive a $347 million dollar bailout of our tax dollars like TD did, by the way) that won't quietly slip new fees into the terms and hit you with them liberally, then be rude and condescending when you dare to question them.

Of all the people I know who opened an account with them because of their convenient location, I'm the last one left with an account.  They obviously aren't interested in keeping their current customers, so I'll be opening a new account with People's tomorrow.