Consumer complaint received 2023-02-15
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My complaint is with TDBank in XXXX MD. I have tried to resolve this issue by telephone, in person and by a format letter all to no avail. TDBank is refusing to provide two chargebacks to my checking account. As of XXXXXXXX a company XXXX credited two chargeback payments of {$85.00} and {$35.00} respectively to TDBANK for my checking account. TD Bank will not accept this action from XXXX on their behalf because it was not in my account at TD Bank. I have submitted an Invoice emailed to my bank with the details of the accounting for the funds as being charged back to my checking account. However TD Bank is proclaiming that it was not paid because it is not in my account statement. In my letter to TD Bank I asked for an investigation of their claims. I dont have any thing to do with their banking processing of customer accounts and chargebacks. This the banks responsibility to handle this issue with XXXX. Please note that TD Bank took several weeks or more to investigate this matter I was disputing with XXXX regarding that I never received the XXXX XXXX XXXX that they were supposed to provide me with. I called them XXXX and told them that and they sounded like they were a fraud or scam. So I asked for my money back and they said they would not give it back. I then contacted my bank TD Bank and filed a dispute on my behalf. By them taking so long to resolve the dispute in my favor they became aware that I had stopped my direct deposit and was closing my bank accounts. This is when they informed me that they were not going to be able to charge back the money from XXXX. I knew immediately why because I was going to no longer be a customer. 

I went into the bank and showed the person at the desk the Invoice information regarding the payment that was charged back to TD Bank but she refused to accept it. I even called the XXXX billing and the customer representative spoke to their billing person and still she didnt care to respond or resolve my concern. This person had a nonchalant attitude and proceeded to help someone else. She had the attitude of being I was not a customer of TD Bank so she is not going to help me resolve this issue. I am a XXXX yo retired single person who has been with TD Bank since XXXX when they were named The XXXX XXXX XXXX XXXX XXXX MD. They have been charging me over {$12.00} a month service fees for a checking and savings account with .01 % interest. This bank is the most non customer friendly and of no financial gain options that are nonexistent for me or anyone else to continue banking with. 

I would like my money credited back to my checking account and the service fees that are still being charged to my accounts be removed so I can afford to close the open accounts. TD Bank will not allow these accounts to be closed until I pay {$130.00} which includes the {$85.00} total of the chargebacks and their unfair service fees by this bank. 

I appreciate CFPB for their help and support of consumers rights when it comes to unfair practices by banks and other financial institutions.

Company response to consumer: Closed with explanation