TD Bank, National Association Corporate

Complaint ID: 7061549

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Company: TD BANK US HOLDING COMPANY

Complaint: My card was lost and fraud was committed on it and I actually start seeing charges on my account I immediately contact td bank through app to ask about charges then when my account was overcharged I disputed it took so long then they close my account with all my funds still I it

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7060335

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Deposits and withdrawals

Company: TD BANK US HOLDING COMPANY

Complaint: On XXXX I deposited a cashier check from my XXXX account into my TD account. I was not made aware of a hold being placed at the time of deposit as it was a certified check governed under reg cc. On XXXX I logged into my online banking and noticed that the check was put on an extended 6 day hold. I called into customer service and they said that this was a regular check and they had the right to hold the check for 6 business days. When I informed them that this was a certified check from XXXX and per reg cc on the XXXX XXXX website item # 7 clearly states they can not legally hold a cashier check for more than 2 business days. Some verbiage around cashiers checks stated that under XXXX must be made available on the next business day. The rep put me on hold came back said the supervisor put a request in to release but it may or may not happen and the hold would have to stay on for 6 business days. I again referenced the XXXX website and provided the specific article number the rep told me I was wrong and that is not TDs policy. I asked to speak to a a supervisor who said the same thing and that TD policy supersedes that. When I stated ive worked as a branch manager for over a decade for a bank and that every bank teaches there associates about the basic rules and regs primarily XXXX XXXX the supervisor XXXX indicated that she was not going to get into legal stuff with me.

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7060304

Product: Checking or savings account

Sub-Product: Checking account

Issue: Opening an account

Subissue: Unable to open an account

Company: TD BANK US HOLDING COMPANY

Complaint: On Thursday, XX/XX/2023, at approximately XXXXXXXX XXXX my family and I went to TD BANK at XXXX XXXX, XXXX XXXX, NY XXXX to open a student account for my birth daughter, XXXX. The bank agent on duty was XXXX XXXX XXXX XXXX with license number XXXX. XXXX XXXX and Assistant Store Manager XXXX XXXX refused to open a bank account for my biological daughter because we didn't want to give them a social security number.I have notified two officers, XXXX XXXX and XXXX XXXX 42 U.S.C. Sec. 408 ( A crime to compel the use of your social security number ) Whoever ... ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, or both. XXXX XXXX, refuse to assist me and told us to get up because he had to take another customer. DISCLOSURE OF SOCIAL SECURITY NUMBER : It shall be unlawful for any Federal, State, or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individual refusal to disclose his social security account number. : under fraud, menace, duress, and extortion. Our rights were violated.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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