kohxshan

本人是南岸TD银行的客户，前几年觉得服务还不错，以前支票都不用怎么certify就可以进票。但最近新来了一个经理叫josiane leveque(金直头发),不论金额大小，经常把我们当前存的支票给hold住5天，带给我们很多麻烦。在此呼吁各位若果有类似经历,或对南岸TD分行有任何不满的,可以一起打这个免费投诉热线,发挥群众力量,不要以为中国人是好欺负的!!!

免费投诉热线：
1-800-328-3698（国语，粤语）
1-888-572-8925（法语）

阿波罗狄

按规定不是应该hold住5天的吗？

Z!Z

lz是说5天太少，要5个月

q2006c

相信这个整个TD的政策，你投诉某个职员有用吗？

kohxshan

Post by 阿波罗狄;3117843
按规定不是应该hold住5天的吗？

以前$10000以下绝对不HOLD 的, 现在$2000以下也要HOLD....按规定就死了...

ipcc

相信你投诉也不会有用的。有规定就应该是去执行的，否则要什么规定。只能说以前那个经理有问题。 你也可以换其他银行啊。

kohxshan

Post by q2006c;3118010
相信这个整个TD的政策，你投诉某个职员有用吗？

虽然TD政策是说正常进票要HOLD 5 天, 但TELLER 和经理可以自己决定让不让这支票马上过,以前的做法是小钱都可以马上过, 大钱才会HOLD的,但现在不幸跟这个经理有过节, 金额大小都乱HOLD.......
我也知道有不少人跟我有相同的經歷,所以我想多人投訴是會受理的..

我也想转银行,你們知道有哪家是比较好的?

ipcc

FYI

Our Hold Funds Policy
When you deposit a cheque to your personal deposit account, either at a branch or through the Green Machine® ATM, you may not be able to access the full amount of the
funds from that deposit immediately, if that deposit is subject to a "hold". For any deposits made through the Green Machine ATM that are subject to a hold, the "hold period"
will commence on the first business day after the deposit is made. For full details on our hold funds policy, please ask at any TD Canada Trust branch. Your access to those
funds, or a portion of them, will be restricted. You will not be able to withdraw money from those funds being held, and we will not pay any of your cheques or pre-authorized
debits from those funds until the end of the hold period.
Hold funds decisions will be different for each customer. We will take into account factors such as the length of time you have dealt with TD Canada Trust and the amount of
funds already in your account. The decision will also vary depending on the institution on which the cheque has been drawn, as well as the amount and the issuer of the cheque.
Deposits subject to a hold will be held for the following number of business days:
Minimum Maximum
· Cheques drawn on TD Canada Trust 3 6
· Cheques drawn on another Canadian financial institution - 5 7
unknown or unencoded 7 14
· Cheques drawn on a U.S. institution* 15 30
· Cheques drawn on other foreign financial institutions* 22 40
When you enroll in a direct deposit program, no hold is placed on the money deposited because it is credited directly to your account.
* These hold periods are estimates and apply where we have credited the funds to your account. We may extend such hold periods if payment for the cheque has not been
received by us from the U.S. or foreign financial institution within that initial maximum hold period. Some cheques may be sent on "collection" - this means that the funds will
be credited to your account only if and when the cheque clears.

kohxshan

Post by ipcc;3118326
相信你投诉也不会有用的。有规定就应该是去执行的，否则要什么规定。只能说以前那个经理有问题。 你也可以换其他银行啊。

其实现在情况是被针对了.....又不见其他公司被HOLD ......只能说自己运气不好...
有什么银行是可以不用FROZEN 这么久的?

ipcc

我估计各个银行都差不多，你可以给他们打电话问问。
good luck.