Consumer complaint received 2018-01-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint involves TD Bank. I sustained damage from Hurricane Irma. I received the attached check from XXXX the only insurance company in Florida pretty much. After three months, I received a miniscule payment from XXXX. The check was made out to me as payee and XXXX XXXX XXXX and to the lawyer who is handling the insurance claim for me without whom I wouldnt get anything. 
The check was endorsed by XXXX XXXX XXXX with a signature guarantee. The check was endorsed by the lawyer. I went to the XXXX branch of TD Bank on Friday XXXX XXXX, 2017 where I am known to deposit the check. I made the mistake of consulting with the assistant manager XXXX XXXX. She insisted that the lawyer fax her a signature guarantee notarized on the lawyers letterhead. It took me two days to get all the appropriate signatures including going through just about every department at XXXX XXXX XXXX. 
The assistant manager would not allow me to deposit the check into my own bank account. I was not attempting to cash it, commit fraud, or do anything illegal with the check except for deposit it into my account. I asked the assistant manager why she was not accepting the check. She claimed TD bank does not accept insurance checks. I asked her if she could provide me with the policy or regulation regarding insurance check. Attached is what she gave me. This was not a third-party check. It was not a double endorsed check. I am a payee on the check. XXXX XXXX XXXX would not endorse the check if I was a cent behind on my mortgage. Lawyers are not known for releasing funds if a cent is owed to them. 
I am convinced the bank manager was trying to create a new policy. Short of that. I was affected by Hurricane Irma. There have been two other hurricanes to hit the US. Hurricane Harvey and Hurricane Maria. If TD Bank is not accepting insurance checks that is a lot of checks. Why are insurance companies issuing worthless checks if the banks are not honoring them? I was a victim once of Hurricane Irma do I have to be victimized again? Then to add insult to injury TD Bank cancelled my debit cards in what I believe is a complete retaliatory action towards me. I was on the phone to TD Bank customer service ( which by the way it took 30 minutes to even get a customer service rep, then on hold for about another half hour just so the bank manager could completely trash me to her supervisors ) when a XXXX XXXX  police officer came in and escorted me out of the bank to the amazement of pretty much everyone else in the bank ( including customers ). I am XXXX years old, and  XXXX. All this running around completely fatigued me. 
I believe I was discriminated against based on age and for being a woman. I called TD Bank customer service on Friday night when I got home, and my cards were cancelled the next day. Why the bank did that is anyones guess but I suspect it was a retaliatory action for complaining to TD bank. I wasnt robbing the bank, defrauding the bank or doing anything other than what was legal depositing a check. The bank could have done due diligence ; they did talk to my lawyer. They could have put a hold on the account, they could have contacted XXXX to check the validity but they did none of that.

Company response to consumer: Closed with explanation