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05-01-2024, 07:26 AM
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Join Date: Dec 2008
Location: Camrose
Posts: 45,293
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TD Visa Refund
I just received a letter from TD, that because of the accounts I have with them, the annual fee for my cashback Visa, should have been rebated for the past five years. So they are now crediting my Visa account for $675, and I will no longer be charged the annual fee for my credit card. It's nice to have a bank discover a mistake, and make good for it.
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05-01-2024, 07:40 AM
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Join Date: Jul 2009
Location: GP AB
Posts: 16,286
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Sounds like they are getting ahead of a class action suit...  The banks have been getting a bit of scrutiny on their fees, and 'excess profits' lately. It's nice to get your own money back. Bet they didn't pay any interest on it.
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'Once the monkeys learn they can vote themselves a banana, they'll never climb another tree.'. Robert Heinlein
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05-01-2024, 07:44 AM
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Join Date: Dec 2008
Location: Camrose
Posts: 45,293
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Quote:
Originally Posted by Twisted Canuck
Sounds like they are getting ahead of a class action suit... The banks have been getting a bit of scrutiny on their fees, and 'excess profits' lately. It's nice to get your own money back. Bet they didn't pay any interest on it. |
Yes it's my own money, but at least I am getting it back. It's a nice change from dealing with RBC for my mother.
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Only accurate guns are interesting.
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05-01-2024, 08:46 AM
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Join Date: Jul 2009
Location: GP AB
Posts: 16,286
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Quote:
Originally Posted by elkhunter11
Yes it's my own money, but at least I am getting it back. It's a nice change from dealing with RBC for my mother.
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Oh, I am very glad you got your money back, don't get me wrong. But I just always wonder what's going on behind the scenes when the big banks suddenly decide to do the right thing.
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'Once the monkeys learn they can vote themselves a banana, they'll never climb another tree.'. Robert Heinlein
'You can accomplish a lot more with a kind word and a gun, than with a kind word alone.' Al Capone
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05-01-2024, 08:55 AM
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Join Date: May 2017
Location: Rocky Mtn House,AB
Posts: 2,235
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Quote:
Originally Posted by elkhunter11
Yes it's my own money, but at least I am getting it back. It's a nice change from dealing with RBC for my mother.
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Did they pay you interest?... 
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05-01-2024, 09:06 AM
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Join Date: Dec 2008
Location: Camrose
Posts: 45,293
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Quote:
Originally Posted by Phil McCracken
Did they pay you interest?... |
I honestly don't know, the actual credit is for $675.60, the annual fee for the card has changed over the five years, and I can't recall what it was for every year.
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Only accurate guns are interesting.
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05-01-2024, 09:44 AM
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Join Date: May 2007
Location: Rocky Mountain House
Posts: 1,403
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I hope the best for you but I would be careful about responding. There are a lot of sophisticated scams out there trying to get your info. I would call the bank just to be sure it is all legitimate.
Good luck
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05-01-2024, 10:22 AM
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Join Date: Dec 2008
Location: Camrose
Posts: 45,293
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Quote:
Originally Posted by TrollGRG
I hope the best for you but I would be careful about responding. There are a lot of sophisticated scams out there trying to get your info. I would call the bank just to be sure it is all legitimate.
Good luck
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When I started reading the letter, the thought of a scam crossed my mind, but as the letter states, I don't have to do anything, the credit will automatically be applied, with no response or action on my part.
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Only accurate guns are interesting.
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05-01-2024, 11:46 AM
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Join Date: May 2008
Location: The South
Posts: 1,129
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It would be the only honest thing TD has ever done. They manage a fund that we have no control over. (Inheritance). We’ve caught them lying so many times and just plain being shady, but due to the way the fund was set up, our hands are tied. It would cost us more in a legal fight than I’m willing to sacrifice. They actually told us once, after we called the fund manager out, that they had some papers stuck together, and that was the reason for the “discrepancy”. Unbelievable.
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05-01-2024, 12:34 PM
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Join Date: Jun 2008
Posts: 2,701
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Quote:
Originally Posted by elkhunter11
I just received a letter from TD, that because of the accounts I have with them, the annual fee for my cashback Visa, should have been rebated for the past five years. So they are now crediting my Visa account for $675, and I will no longer be charged the annual fee for my credit card. It's nice to have a bank discover a mistake, and make good for it.
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I wish they'd do that for my Visa with them, but all they ever want to do is increase my spending limit it seems...
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05-01-2024, 12:36 PM
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Join Date: Dec 2008
Location: Camrose
Posts: 45,293
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Quote:
Originally Posted by Hunter Trav
I wish they'd do that for my Visa with them, but all they ever want to do is increase my spending limit it seems...
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I asked them to stop increasing my credit limit around 20 years ago, and they did.
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Only accurate guns are interesting.
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05-01-2024, 12:46 PM
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Join Date: Jun 2008
Posts: 2,701
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I asked them to do the same awhile back but they still send me offers for it.
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05-01-2024, 07:50 PM
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Moderator
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Join Date: Aug 2012
Location: Wheatland County
Posts: 5,661
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Quote:
Originally Posted by elkhunter11
I just received a letter from TD, that because of the accounts I have with them, the annual fee for my cashback Visa, should have been rebated for the past five years. So they are now crediting my Visa account for $675, and I will no longer be charged the annual fee for my credit card. It's nice to have a bank discover a mistake, and make good for it.
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I pay an annual Visa fee also, but it's CIBC & haven't heard a word.
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You can, you should, & if you're brave enough to start, you will. Stephen King
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05-01-2024, 09:14 PM
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Join Date: Apr 2010
Posts: 2,920
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Quote:
Originally Posted by roper1
I pay an annual Visa fee also, but it's CIBC & haven't heard a word.
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TD offers Visa fee rebate on certain TD Visa cards if you hold certain banking packages. It isn't a blanket thing for all customers and all cards. I wish I had realized this advantage more than the 2 years ago when I switched my banking package - apparently it has been in place for 5 years according to Elk's letter.
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05-01-2024, 10:48 PM
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Join Date: Apr 2015
Location: Lloydminster
Posts: 4,590
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I have CIBC Visa Aeroplan and a USD Visa card, don't pay an annual fee on either nor do I pay any banking fees for any general banking or for bank drafts, being a senior has some privileges
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05-02-2024, 07:27 AM
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Join Date: Dec 2008
Location: Camrose
Posts: 45,293
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Quote:
Originally Posted by waldedw
I have CIBC Visa Aeroplan and a USD Visa card, don't pay an annual fee on either nor do I pay any banking fees for any general banking or for bank drafts, being a senior has some privileges
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I don't pay any fees, as long as I maintain a minimum balance. I have had this Visa card quite a while, but somehow when I changed my account to the senior's account, they didn't stop charging me the annual fee for the credit card. I typically get $800-$1000 back every year by using this card, so even paying the fee, I came out well ahead
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Only accurate guns are interesting.
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05-02-2024, 09:29 AM
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Join Date: Oct 2011
Location: Westerose
Posts: 4,103
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Quote:
Originally Posted by FCLightning
TD offers Visa fee rebate on certain TD Visa cards if you hold certain banking packages. It isn't a blanket thing for all customers and all cards. I wish I had realized this advantage more than the 2 years ago when I switched my banking package - apparently it has been in place for 5 years according to Elk's letter.
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It has been around a lot longer than 5 years. My wife and I have had an all inclusive service with TD for the last 25 years. It covers the annual fee for the cash back VISA and a bunch of other fees. They also rebate the monthly bank fee ($30) if we maintain a min. $5,000 balance, that is a 7% return.
ARG
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Originally Posted by sjemac
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05-02-2024, 12:41 PM
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Join Date: Sep 2023
Posts: 159
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Quote:
Originally Posted by elkhunter11
It's nice to have a bank discover a mistake, and make good for it.
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No, it's not. There should have been no mistake in the first place and how many are not discovered?
Just try to make you a mistake and see what's happening.
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05-02-2024, 06:03 PM
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Join Date: Oct 2020
Location: Alberta
Posts: 625
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Congrats on not realizing the bank took your money when they shouldn't have lol. I have an account that has no fees if I maintain a minimum amount and TD never charges me. I'd be choked if they banked it and then suddenly returned it when they shouldn't have taken it to begin with.
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05-02-2024, 11:18 PM
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Join Date: Aug 2007
Location: yyc
Posts: 373
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me too
I got a cheque as well but mine was only for $111...but I'll take it!
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