Consumer complaint received 2023-09-20
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:
I am a self employed worker that does a variety of things like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So I get paid in different ways. Some by checks and others by cash or XXXX XXXX  On XX/XX/23 I received 4 XXXX deposit slips for {$500.00} each from a man that I did XXXX XXXX XXXX  for. My bank contacted me about ten days later saying they were fraudulent and said I could no longer bank with them anymore that my account would be closed. But before this information was told to me, I had submitted another actual check to deposit to my account on XX/XX/23 for {$2200.00} from a man I did part time work for at his XXXX. This check was finally cleared but my bank account is frozen. So I called the customer support line for TD BANK and they said my account balance is {$2100.00} and that I would need to come in person to be able to withdraw my funds since my card is locked and account locked. So I went in person yesterday on XX/XX/23 to TD BANK and informed the clerk that i wanted to withdraw the entire amount of {$2100.00} that is currently in my checking account and then close my account. They told me they could not give me my money nor unlock my account. They said they would have to email a specialist to unfreeze my account before being able to give me my money. So they emailed and called me saying that I needed to provide a phone number for where the check was from. I said I did not have the man 's number anymore I do random XXXX  jobs I don't keep track of everyone 's info after they already paid me. The check was already reviewed and approved so I don't understand why they need to REVERIFY it a second time! Especially since my money has been sitting in my account for a month now. They already took money from that second check to pay the XXXX deposit return fees for {$15.00} for four separate fees. And charged {$35.00} for an overdraft fee on XX/XX/23 and XX/XX/23. I just want to withdraw my hard earned money and close the account because this is the worst bank I have ever had and ever had to deal with. They are treating me like I'm a liar and a criminal because the XXXX deposits were deemed fraudulent but I did not know that I did not make them I received them from a man I did house cleaning work for but I'm the one being punished and looked at wrong for it. It's already embarrassing enough. But I have never deposited a fraudulent check in my life so I don't know why the bank is treating me like this and saying I can't bank with them anymore and anything after that fraud is being questioned and I'm the one taking a loss from that {$2000.00} i should've been paid and now this second check I earned from someone else that was investigated and approved and made available in my balance is being refused to be given to me after sitting in my account for a month. I just want my hard earned money withdrawn and account closed. It is unfair that I am being treated like this and investigating everything I do because of one time someone giving me fraudulent XXXX slips. This check is from a complete different person. And they have already reviewed and approved the check so why do they need to re verify the check before unlocking my account to give me my hard earned money? I do work for many different people and once I am paid, I don't keep their contact information anymore. So I have no way to get the man 's contact info to give the bank. If it was already approved in the first place why would they need to relook into it?! This is irritating I have bills to pay I work hard for the money I earn and now I can't even get access to my money that has been approved already and has been just sitting in my account for a month. If it was fraudulent the man would have contacted TD bank about it seeing as the money was deposited successfully so I don't see why I can't get access to it? I just want my money out and to close the account and be done with TD BANK because this is the most ridiculous and unfair treatment I have ever received from any bank ever. I've never deposited anything fraudulent in my life until that man who gave me the fake.moneygram slips. I should not be treated as a criminal for someone else 's mistake.

Company response to consumer: Closed with explanation