Consumer complaint received 2020-06-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
While investigating the reason as to why a hold was put on my active joint checking account, I discovered numerous unauthorized charges related to my closed individual accout. My wife and I were married in XX/XX/XXXX after which we opened a joint account. The problems related to this matter concern my individual account which had been closed prior to our marriage. Simply put, I was told by TD Bank that I can not dispute charges to a closed account or an open account after 60 days from the disputed charge. Nonetheless, this is not why I'm filing a compiant. I am quite sure there's some fine print in a some document that I signed upon opening my individual accout that absolves TD of any liability because the affomentioned criteria had not been met. My issue withn TD relates to their failure and lack of willingness to assist me in researching and tracking down the vendor ( s ) that fraudulently debited money from my account. 

Normally, when I notice a suspicioius charge on my statement there is enough information on the statement ( websight address/phone number ) that I can contact the vendor independantly and have the issue resolved. However, occasionally there has not been sufficiant info for me to research alone, and I have asked TD for their assitance. They have provided this service for me before, though I can not confirm whether or not I met the 60 day requierment at this time, and the bank established fraud and replenished all money back into my account. The problem now is that TD refuses to apply some discretion with regards to how they apply 60 day threshold rule. Is this an industry standard imposed on the banks by their regulators? I dont know the answer, but I do know that I consider the money taken from my account to be significant. This is especially true when one considers the fact that I owe arrears in child support ( thus the present hold on my account ), I am recieving unemployment/PUA benifits and that these subsidies are being garned by New York State Child Supporty Services. Additionally, my wife recently deposited her personal paycheck into our account and those funds are frozen as well. We presently have roughly {$3500.00} in the account that we have no access to. This is frustrating to say the least. This frustration could be alleviated with some cooperation from TD. At best they could wave the 60 day deadline on contested charges or at least assit me in tracking down the vendors. My last conversation with TD was on XX/XX/XXXX at XXXX with a supervisor named XXXX ( I asked for an employee ID number but she told me to cite the date and time of our conversation ), who advised me that all infomation that I neeed to contact the vendors in question was on my statement. 

The charges in question took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In total they tally too {$2600.00}. They involve two vendors okshopservice and XXXX XXXX. In researching okshopservice, I find that the websight server can not be found and the telephone number leads to an auto message staing that the " call can not not be completed at this time please check the number and dial again ''. When I research XXXX on the web I'm taken to a site sponcered by XXXX. The following qoute is from their website : What is XXXX XXXX is a hosting control panel with simple and secure web server, website and web apps management tools. It is specially designed to help web professionals manage web, DNS, mail and other services through a comprehensive and user-friendly GUI. XXXX is about intelligently managing servers, apps, websites and hosting businesses, on both traditional and cloud hosting. 

My research led me to call TD one last time requesting more detailed vendor information which resulted in my fruitless conversation with the supervisor XXXX. I have attached statements from my closed individual checking account for your review. I am at a dead end here and would appreciate any assistance you could provide to resolve this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation