Checking or savings account -- Managing an account -- Complaint #8386486
Complaint Overview
Complaint ID: 8386486
Company: TD Bank US Holding Company
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Georgia
ZIP Code: 30518
Date Received: 2024-02-20T12:00:00-05:00
Date Sent to Company: 2024-02-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened an account with TD Bank on XX/XX/2024. The account was opened online. The issue and hiccup that has happened is I am not in region of the bank ( meaning my state is not in the zone ) however the state that is in that region I travel frequently to ( Florida, XXXX ). I used a colleagues mailing address to receive the card however it is not in any consumer reports that I have lived or resided at said address ( which is 100 % true I travel there for business relations from time to time and just found it convenient. ) Furthermore, I also use XXXX Ameritrade for Stocks so I simply found it convenient to use there parent bank for the ease of transfers and things of that nature. Once my account was opened, the previous account I was using ( XXXX XXXX ) I sent a wire ( in my name ) of {$25000.00} to the new TD Bank account to get ready to unravel using it for my sole proprietorship of trading stocks and whatever business endeavors I conquered in the future. However that has not worked as since the money has been in there my account has been marked in a No Check Status and I have not been able to use my funds. I was informed of this on the phone that I needed to to go in a branch to get my account unfrozen I went in branch and no one was able to help me. I spoke to XXXX XXXX in South Carolina XXXX a branch manager and she filled out what is called a smart form on my behalf. I believe due to the mailing address not matching she couldnt do much but however, I gave her my SSN Card along with my Drivers license and answered all questions she asked with all sorts of compliance just seeking to get my account unfrozen. It was submitted and I now had to drive back another 2 hours back home to get a response. I spoke with TD Customer service after this when not hearing back from XXXX whatsoever just to find out it was submitted to the wrong department which resulted in it being rejected ( for that only said reason. Which is very unprofessional. Could it not be forwarded? Things of that nature just is horrible customer service ) to further mention, XXXX one of the Fraud Specialists was short, rude and definitely not too understanding and knowing of what the process is really like when dealing with these kinds of matters. XXXX Which is the Supervisor above XXXX in Customer Facing Fraud Department couldnt give me much either but It has been submitted multiple times for the last week / 2 weeks Everyone has been rude, nobody seems to really care that I have been having to live off credit cards and hitting my limits while trying to take care of my family and my bills. My business is on a pause and nobody seems to want to give me my money back. It feels like it was taken. This is far below my expectations of how TD Bank is supposed to operate as a bank and Im 100 % disappointed in my experience. I have been told for the 4th time ( you will know in 2 hours or by end of business day today what Back Office Fraud has replied with ) and if I do not reply I am just gon na dispute with XXXX XXXX or better yet have you all step in to give me my money back. I have answered all identity questions, given my SSN my license. I have complied and they are not complying with me by giving me proper timelines, and giving me the run around. and truth above all not giving my MONEY back.
Frequently Asked Questions
What is Complaint #8386486 about?
Complaint #8386486 was filed against TD Bank US Holding Company regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2024-02-20T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against TD Bank US Holding Company?
Yes, visit the TD Bank US Holding Company company profile at readthecomplaint.com/company/td-bank-us-holding-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.