TD reviews

Broken fax machines!!!!!!!! Broken printer/copiers. (The one copier that works for a floor of 125 agents, you have to remove the toner drum and shake it every 3-4 prints) Policies and procedures change depending on who you talk to. This company will not offer training for new systems, and demand you just deal with it. This company will threaten you with disciplinary action on procedures they refuse to train on, even if you ask for further training. The customers hate us because TDAF has the worst authentication process in the world! We are made to ask redundant questions that make us seem rude. TD bank is running TDAF like it just needs a tax write off, and TDAF is the way to lose a lot of money. They serve overpriced junk food with very little healthy options. (A TV dinner costs $8) AQM inconsistencies are the worst! Failing your calls for not doing what you're supposed to, but refusing to educate us on how to do it correctly. TDAF bonus structure is a complete mystery that no one will explain. The agents have no way to calculate what their bonus may look like or even what we need to do to reach the goals! The "potential dollars collected" is a lie because they cap you at $2,000 that you are able to collect, but if the customer owes $6,000 and you collect all of it, you only get the $2,000 added to dollars collected. However, the full $6,000 is added to your "potential dollars collected" TDAF offers nothing but pipe dreams, and expensive crappy medical insurance. If you want a promotion, make sure to wear a push up bra, and shake your booty. The sleazy management love that! If you enjoy a calm work atmosphere, run!!! This place is full of stress!

Very low base pay and bonus. No sales commission paid to employee even though TD receives commission on your sales. I regularly place business with an insurance carrier that pays 4.5% commission on its products. When I write a $100,000 fixed annuity the company receives $4500 and I get nothing. I have earned the company more in commissions than I have received in pay in my 15 months at the bank. Upper management refuses to promote you if you voice any displeasure toward the unfair compensation plan even if you outperform all others with the same job title. They would rather promote someone drinking the green Kool-Aid with much lower production than a big hitter with 9 years of industry experience who doesn't agree with the pay plan. The company has only run the financial representative program for about 3 years and they still don't know what they're doing. Most of your day is spent not doing insurance and investments -- making debit cards, printing statements, helping with branch operations. If you have experience elsewhere, this is not the place to be. I only took the job because of an extenuating personal circumstance that required me to be close to home. Now that the circumstance has resolved itself, I will not continue to work for a company that doesn't reward results.