Product: Checking or savings account

Subject : Formal Complaint Against TD Bank for Inadequate Claim Handling and Unauthorized Transactions To Whom It May Concern, I am writing to lodge a formal complaint against TD Bank for their handling of my dispute with XXXX XXXX XXXX and for unauthorized transactions on my account. My experiences have raised serious concerns about TD Banks customer service, claim processing procedures, and adherence to banking regulations in the United States.

TD Bank, despite being a relatively newer player in the U.S. banking system with around 20 years of operation, seems to employ policies influenced more by its XXXX roots than by the norms and expectations of XXXX XXXX  practices. This international approach becomes particularly evident in the handling of domestic disputes and claims. 

My issue began with XXXX XXXX XXXX, a vendor with a history of selling defective products and then employing questionable tactics to retain payments. I had a clear written agreement with XXXX XXXX XXXX for a full refund in the event of receiving a defective transmission. However, when I filed an unauthorized purchase claim with TD Bank, XXXX XXXX XXXX countered by providing selective receipts and invoices, ignoring our agreement for a refund. 

Despite this, TD Bank quickly refunded XXXX XXXX XXXX, disregarding the nature of my complaint and our written agreement. When I reopened the case with the help of a TD Bank representative, XXXX, the claim was inexplicably closed within XXXX days, with the same justification as before, ignoring the new evidence and nature of the complaint. 

Moreover, TD Bank has recently withdrawn {$240.00} from another of my debit accounts without my consent. This withdrawal was explained as being within the rights of the bank according to the policies I allegedly agreed to upon account creation a claim I strongly contest. This action not only violates my rights as a consumer but also raises questions about the legality of such a policy. 

My attempts to resolve this issue have been met with poor communication and a lack of transparency from TD Bank. The bank 's representatives have been evasive, and there seems to be a deliberate avoidance of direct communication with customers. It is imperative that bank representatives provide full disclosure, including their names and employee ID numbers, to ensure accountability and transparency in their dealings with customers. 

I urge TD Bank to reopen my claim with the correct categorization as a dispute over a defective item sold, and to consider the written agreement with XXXXXXXX XXXX XXXX. The focus should not be on the warranty but on the fact that I chose not to pursue it to avoid repetitive installation costs. This decision was made in my best financial interest and aligns with the agreement made with XXXX XXXX XXXX. 

TD Banks current approach is not only detrimental to customer trust but also deviates from the standards expected in the XXXX banking industry. I expect TD Bank to address these issues promptly, ensuring fair and transparent handling of customer claims and respecting the rights of consumers to manage their own accounts without unauthorized interventions. 

Sincerely, XXXX XXXX XXXX XXXX # XXXX