Consumer complaint received 2023-02-01
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
am a XXXX man and an XXXX citizen of XXXX decent. I have cause to believer that I was XXXX XXXX. by TD Bank On or about XX/XX/XXXX, I deposited the sum of XXXX XXXX dollars, in XXXX dollar bills into account number XXXX at your branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The account belongs to XXXX XXXX XXXX, a friend. The next day following the deposit, I received a call from XXXX XXXX informing me that the bank requested to see me concerning the said deposits. I immediately presented my self to your Store manager XXXX XXXX XXXX. At first he told me that the bank suspected that some of the XXXX dollar bills that I deposited was counterfeit. He made several verbal attempts to scare me by employing certain derogatory innuendoes. Including. but not limited to questions such as whether I have ever been arrested for depositing fraudulent dollars bills with a bank in the US. I told him unequivocally that I got my money from a certain branch of XXXX XXXX XXXXXXXX in XXXX XXXX. I also insisted on viewing the alleged counterfeits. He left me in his office and came back about a minute later to announce that, and I quote, it has been sent out for verification I countered him immediately by asking him if used the word it which meant that it was only one. He admitted to that but very reluctantly. I immediately requested to be provided with a copy of any and every documentation to show what agency it was sent to. All of a sudden, he appeared to be in a hurry to dismiss me. He said that it will be sent to the owner of the account. Suffice it to say that no such document was ever provided. He told me that the alleged fake {$100.00} bill was sent to two separate Federal Agencies. The Bureau of Achohol and Tabacco, and the FBI. He also told me that it may take between 90 to 180 days to complete the investigations. He requested for my personal information such as address and phone number, which I provided, albeit reluctantly After asking me several intruding questions he instructed me to insure the availability of my person in the future for the ongoing investigations.

At the expiration of the first 90 days, I visited XXXX XXXX and he said that the investigations has not been completed. 

It may be instructive to note that I made several periodic visits between that and the 180 day mark. All all to no vail. Each time I showed up at his branch he would pretend to be busy. On one occasion he told me that the money has been returned and credited to the account holder. This again turned out to be false. He was later transferee to another branch. No attempt was made by him to contact me upon his transfer. When Ii contacted the new manager XXXX XXXX he promised to look into the matter. However after two weeks he confessed that there was no record to show that any such issues was pending. O one at the bank was willing to provide me with any information concerning XXXX were about. 

On or about XX/XX/XXXX, approximately 14 month or morel from the beginning of this ordeal, I found XXXX XXXX at anther TD Bank. Suffice it to say that I was enraged and threatened to call the police to have him arrested. Two days later the money was credited to the account holder with neither interest or apology.

Company response to consumer: Closed with explanation