终于受不了放弃，今天在电话里大骂了他们一顿之后，刚才又写了一封投诉信给他们。懒得翻译了，有兴趣就自己看吧。
I tried to open a TFSA investment account 3 weeks ago (Nov 17th). I met with a finance advisor in a branch and he helped me fill out all the forms and had the account open. Everything seemed to be so nice.
The very next day, the advisor called me that I need to provide my SIN, and he explicitly told me that I could just go to any branch, show the document to the teller, and ask the teller to update my profile, so that he would help me resubmit the application.
I followed his instruction and did that.
After a few days, I saw the invest account show up in my online banking, so I tried to deposit 3k to the account and prepare to do some trading, but I couldn't. The online system showed an error and asked me to call. I was thinking it probably just needed some time to process everything, so I decided to wait another couple days.
Last week, Monday (Nov 26th), the account was still not working, so I called Waterhouse and checked what's going on. They told me, oh, we still need your SIN, so the account is being locked (why the hell you allow me to transfer the money to an account if it's locked!).
I told the staff that I had done as the finance advisor directed. The staff on the phone said I had to fax them the photocopy of my SIN as well as a letter of direction. (He even said I could just fax by myself, I didn’t even need a branch to do it. Check the recorded call if that really exists!)
OK, I would do that. I went to a TD branch next day, and asked a teller to do it. The teller appeared to be confused but she helped me anyway.
After 2 days, the account was still locked. So I called WaterHouse customer service again.
This time, a different staff (I assume) said, hmm, we need you to date the letter of direction and the branch needs to stamp on it (why didn't you tell me the first time!).
OK, I would do what you said. I went to a branch, explained the story again. The teller helped me everything and faxed the documents again.
After another week (Dec 5th, , 14 business days after I request to open the account), the account is still locked. And nobody from Waterhouse has called me for anything. I decided to phone them again.
This time, once again, another staff (I assume) on the phone told me, “we probably have received the photocopy of your SIN, but I don’t see it on the file. Let me try to ask someone else”. After a few minutes, he came back and said, “you need to fax us your visa on the passport”. Well, I am a PR, but I have lived in Canada for a long time. And my SIN is not a temporary number, which has already proved that I am a PR. That does NOT make any sense for me to present my visa and even anything from my passport (btw, you guys already have my driver license information!).
I just cannot take it any more, so I decide to withdraw the money, even though it’s my this-year TFSA contribution.
What really unacceptable are:
- TD staffs appear to be uneducated. When I met with the finance advisor, he should have checked if my information is complete before sending me out (I wrote him 2 emails later and received no response).
- Every time I called, I was asked to provide something more. They just cannot ask for everything in one time. I feel like being played by those customer service staffs. (check the recorded call if that really exists, every time the staff said, this is exactly what you need to do, then next time, oh, we still need this. I guess if I still follow your instruction, next time I call, I will need to submit a birth certificate, gender certificate, human being certificate, whatever).
- TD WaterHouse does not value clients (at least not me, maybe because I didn’t deposit too much money). If a client calls, that means there is a situation to follow, so follow it and resolve the situation please. If you need me to fax something, call me when you receive the fax; if you need more information, call me. No one ever contacts me (well, only one person contacts me, for survey! I should redo that survey now!).
Anyway, I am done with TD Canada. I am pulling all my money out and move to another bank. I don’t have a lot of money, so you don’t really have to value me. But shame on you!
又撞上了，修炉子的MM，TD真的比CIBC好多了。我是从C跳到TD的。建议LZ找到比TD好的再跳也不迟，日常业务，房屋贷款，玩股票都是TD最方便，纯属个人看法。