Consumer complaint received 2017-08-23
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX TO : TD bank RE : {$450.00} promotional bonus, at least {$75.00} fees, personal time {$2000.00} to collect unpaid bonus, credit damages {$25000.00} for failure to close accounts under asking On XX/XX/XXXX I already filed a complaint against TD Bank for failure to pay {$450.00} promotional bonus. Now this bank continued to drag me without my consent to cause extra fees at least {$50.00} plus credit damages. I am not going to repeat that both of my accounts ending in XXXX and XXXX have already met promotional requirement. For example on XX/XX/XXXX a direct deposit more than {$2500.00} has been deposit to premium checking XXXX within 90 days of account opening. On XX/XX/XXXX another direct deposit more than {$500.00} has been deposit into convenience checking ending in XXXX. Since both of these two accounts met promotional bonus requirements, therefore I insist to ask {$450.00} bonus plus my extremely precious time to contact TD bank in person for at least 5 times including branch visit, phone, and secured messages. I spent at least 10 hours at {$200.00} per hour to collect this promotional bonus for {$2000.00}. On XX/XX/XXXX when I called this bank again to ask promotional bonus and extra fees {$25.00} caused by this bank for failure to pay and close the account. The representative named " XXXX '' told me that the {$300.00} bonus for premium checking XXXX will be posted on XX/XX/XXXX. I had asked this employee to give me her ID number and her last name plus reference number regarding her statement, however she told me that she made statement on my account to ask me to check the {$300.00} bonus on Monday XX/XX/XXXX. On Monday I checked the balance that NO any {$300.00} credit was posted on my account then I feel that I was cheated by this bank. Subsequently there was another {$75.00} fee were posted on my account which further damage my credit. On XX/XX/XXXX I left another message to TD bank XXXX branch to ask them to pay {$450.00} bonus and close both accounts. However this bank totally ignore my message. I had terrible experience with this bank not only this bank cheat consumer, but ignore my constant complaint to close two accounts which caused extra fees {$75.00} plus credit damages {$25000.00} and my personal time {$2000.00} to collect promotional bonus. This bank had terrible customer service to cause me at least 30 minutes to reach customer service by phone which is extremely inconvenient. I never had experience to have overdraft to damage my credit. At this time, I am asking restraining order against this bank to continue to drag consumer without my consent for failure to close both accounts. Since both accounts exceed 95 days after terms and conditions were met, I am asking to pay {$450.00} bonus, {$25000.00} credit damages, at least {$75.00} fee, my time {$2000.00} to collect bonus since XX/XX/XXXX to present time. Also close both accounts immediately to prevent further fees and credit damages. Delete all banking information I am not willing to bank with company anymore due to cheating.

Company response to consumer: Closed with monetary relief