Toronto, Canada T.D. Bank is the 8th largest financial institution in North America with an enormous presence in the eastern United States. Its motto is, âThe Bank Where People Make the Difference." Yes, they sure do. Judging by Better Business Bureau and Yelp reviews, they make customers miserable, so I propose a new motto: âYou Want Your Money Back? Are You Kidding?â Todayâs story begins when Hong Kong reader, CPA Albert Auâwho lived in Vancouver, Canada for 30 years and has an account at the Dunbar Street TD branch -- made a simple request in September 2020: âWhen my GIC [like a CD in the States] matures in October, please wire the funds back to my HSCB bank here in Hong Kong, which is the same account that I used to send you the money to fund it a year ago.â