Checking or savings account -- Problem caused by your funds being low -- Complaint #9210956

Complaint Overview

Complaint ID: 9210956

Company: TD Bank US Holding Company

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem caused by your funds being low

Sub-Issue: Overdrafts and overdraft fees

State: Florida

ZIP Code: 33185

Date Received: 2024-06-07T12:00:00-05:00

Date Sent to Company: 2024-06-07T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am writing to address the ongoing dispute regarding the XXXX fees incurred on account ending in XXXX, as outlined in your recent letter. It is imperative that I bring to your attention the inaccuracies and discriminatory practices evident in your response. First and foremost, I must emphasize that the XXXX fees in question were wrongfully charged due to TD Bank 's failure to protect the account holder. Despite assurances from your fraud department that we would not be held responsible for the disputed transactions, TD Bank continued to allow XXXX fees to accrue. It is evident that the negligence of TD Bank, particularly in allowing fraudulent mobile deposits, directly led to the accumulation of these fees. Moreover, it is deeply troubling that despite providing evidence and assurances from TD Bank representatives, including the local branch manager and the fraud department, that we would not be held accountable for these fees, you persist in targeting us for payment. This persistence, in the face of documented assurances, raises serious concerns about TD Bank 's discriminatory practices. Furthermore, the assertion that legitimate charges for streaming services and XXXX transactions should result in XXXX fees is unfounded and demonstrates a lack of understanding of the situation. These charges only add up to be {$110.00} dollars during the time the fraudulent mobile deposits were issued and should not have resulted in additional fees in excess of {$630.00}, particularly when they occurred during fraudulent activity that TD Bank failed to prevent. It is abundantly clear that TD Bank 's actions have caused significant financial hardship and reputational damage to my sister and me. We demand an immediate refund of the erroneous XXXX fees totaling {$630.00}, along with the removal of these charges from the account balance to reflect the correct amount owed. Additionally, I must express my dismay at the racial targeting evident in TD Bank 's handling of this matter. The continued insistence on holding us responsible for fees that are clearly not our fault, despite assurances to the contrary, is unacceptable and can not be overlooked. We expect TD Bank to honor its commitment to excellence in customer service and rectify this situation promptly. Failure to do so will leave us with no choice but to escalate this matter further. I urge you to review the facts presented and take immediate action to resolve this dispute in a fair and equitable manner. Thank you for your prompt attention to this urgent matter. Sincerely

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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