Experience of a TD customer who refused TD Digital Banking Agreement
Maxim: Words spoken vanish; words written remain.
TD EasyLine is a 24 hour telephone banking service that can be used 7 days a week.
Online and in TD branches, few TD agents can answer questions about TD Agreement changes. If you call to refuse a TD agreement, explaining ‘why’ helps educate TD agents.
A TD Customer who recently called EasyLine to refuse the TD Digital Banking Agreement and digital services, shares their experience with us as follows.
Before you call TD
Prepare accurate notes about what you want to say and ‘why’ i.e. “I want to cancel the Digital Banking Agreement and digital services ONLY.”
Have all your documentation in front of you for easy reference.
Ask questions to obtain clarity. “What do you mean by that?” I found it important to clarify again and again.
The call is recorded so request a transcript of the conversation.
If you receive bank statements electronically you can switch to paper. If you have access, use EasyWeb or contact your TD branch to make the change.
This TD Customer does not have a TD credit card. If you have a TD credit card, cancelling digital services may cancel the credit card.
The TD customer explained to the TD agent ‘why’ they refused the TD Digital Banking Agreement and digital services as follows.
“Are you aware your bank has partnered with the World Economic Forum and the global agenda? This is a major concern to people and business owners around the world. Do you feel your bank can be trusted to protect its clients? https://www.weforum.org/organizations/td-bank-group
I feel the freezing of bank accounts of people who donated to the Canadian trucker’s convoy was quite terrifying.
I feel I've been taken hostage if I don’t comply with the Digital Banking Agreement and digital ID tracking and tracing. Sharing my personal information and habits with 3rd party providers, is too invasive. If I don't comply I'm discarded.”
At the end of the call
TD Customer: “I would like a written letter confirming the TD Digital Banking Agreement and digital services have been voided between myself and TD Bank.” I repeated myself throughout the call.
TD Customer: “Ok, so far I hear you cancelled the digital services .. has the Digital Banking Agreement been cancelled as well?”
TD Customer: “Only the Digital Banking Agreement has been cancelled not my accounts?”
TD Customer: “I would like to receive a letter of confirmation stating the Digital Banking Agreement and digital services are cancelled.”
Response: “You have to go a TD branch for the letter.”
TD Customer: “OK, once I hang up, I have no physical evidence to prove what I wanted to have cancelled was cancelled.”
Response: “I'll add notes to your account. This way the staff can read them.”
TD Customer: “Can you let me know what the note states?”
Response: “Yes.” He read out the note. I asked that he clearly state the Digital Bank Agreement and digital services have been cancelled. My accounts are not affected. He changed the notes for me.
I was calm and courteous throughout the call. The TD agent said a few times “This is a first. I have to check with my supervisor.”
The opportunity to educate TD agents, whether it’s to open an account at a new bank or close an existing bank account, is tremendous. What is going on will affect them as well. Get everyone thinking!
It is imperative to clearly communicate to TD what ‘you’ want them to do, and what you do not want them to do. Then, ask the TD agent to repeat your request, and confirm what action [s] they will take to comply. Correct any misunderstandings. Ask for a copy of the transcript of the conversation and/or a letter of confirmation you can pick up at your branch.
The TD Customer above refused the TD Digital Banking Agreement and cancelled ‘digital services’. Digital services is not defined in a TD Agreement.
There is a TD Access Agreement. If it is refused the access/debit card is closed the same day.
TD Digital Banking Agreement
Section 1.1 Defines TD apps.
Section 2.4 Defines the scope of TD MySpend to collect and analyze data.
Thank you, to everyone speaking your truth and providing meaningful feedback to TD agents.
Views expressed here are for educational purposes only. This information is not intended to provide legal or lawful advice, nor it is intended to provide financial or investment advice.
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