Consumer complaint received 2021-04-27
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 my XXXX year old grandson was looking in my phone and had mistakenly made a purchase at XXXX for the sum of {$330.00}. We were dining out at XXXX XXXX  XXXX 's Restaurant. After I had gave my debit card to the waiter I look into my phone and went online to my bank account to see how much they had charged me for the dinner when I notice that I was in the negative for - {$220.00}. I then went down the list of items to see how and what was ordered when i noticed that my grandson had ordered {$330.00} worth of toys I immediately left XXXX XXXX  XXXX and went to call XXXX to cancel the order I spoke to a representative and was told that the order had been canceled and that I would be receiving a email wihin 24 to 48 hours. The next day XX/XX/2021 I had recieved the email but the money was still not put back into my checking account I then called XXXX and TD bank and had spoken to both representatives and the TD Bank representative had canceled out the card that the order was made from because I had not given XXXX permisssion to keep my account on file and they did so any ways. the representative from TD bank told me that my funds would be put back in my account no later than Friday XX/XX/2021 and due to the matter of the case that as long as XXXX releases the money I would not be charged a fee. because I was over drawn for the sum of {$220.00} and I had taken {$400.00} from my saving and put it into my checkin to cover the balance of the over drawn fee. So friday comes and still my moneys had not been put back into my account so I called TD bank when a representative told me that the money was to be released on the XXXX of XX/XX/2021 and would be available on that following monday. So on that Saturday I went and check my account and {$170.00} was put back into my account but the overdraft fees were still there so I called again to TD bank and the representative put the over draft fees back. On XX/XX/2021 I went to check my bank account and see if the remainder had been put back and I see that I was overdrawn {$310.00}. I call TD bank and then I went into the XXXX, MA branch with XXXX on the phone and soon as I hung up from XXXX all XXXX bioke lose they started saying that the money was put back and they did not know about the {$170.00} because I screen shot everything and I had XXXX send me confirmation of the transaction. On the evidence that I have given to you you can see that all the transactions tha TD bank did are suspect because it doea not show the true factor and I ant my money back I can show that this is not the first time they have done this even back in XX/XX/XXXX, XXXX XXXX With XXXX XXXX I was suppose to get a return and I did not I have the email but the transaction does not show up on my banking account as a purchase or a return the same with XXXX XXXX I have the receipt for the transaction and refund but it does not show up on my bank statement This has gone on too long and something needs to be done

Company response to consumer: Closed with monetary relief