no problems with TD. from people i've asked, none of them have ever had problems with TD. for the rest of you who have had problems...are they from recent transactions (within last year)? if so, then your complaints are valid. if not, then i think you should indicate when your 'BAD' experience occurred. some companies do change over time, and most of us would like to know how the company stands TODAY, not a couple years or longer ago.