Consumer complaint received 2016-05-17
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been a loyal banker with TD bank since 2004. Needless to say the service, intelligence and care for the customers has declined since first banking with this organization. 

I am writing to you XXXX in particular. I was at the XXXX XXXX on XXXX XXXX in XXXX, PA. I was waiting on camera in the drive thru, while your manager XXXX XXXX could obviously see my car holding up the line. She was just sitting outside, smoking and talking on her cell phone. ( check the video ) me yelling at an incompetent teller his name was XXXX. I was n't given any last names by the store manager XXXX. 

The lazy " VP '' was just standing obviously hearing what was going on, watching and choosing to remain on her cell phone. Her employees made me wait for over XXXX minutes if not longer. 

I have an insurance check from XXXX written payable to my husband XXXX XXXX. XXXX has never had a TD bank account and he never will. 

XXXX 's direct deposits have always gone into my account with no question .... 

I was told many lies by the staff -- - 1. My check could n't be cashed bc my husband was n't there 2. The VP was in her office on her phone -- lies when I stormed in that 's when she brought her large self into the TD bank store -- please review footage XXXX. I was told by your " VP '' and her person " XXXX '' that the cops would be called on me. ( I said call them ) ( Even if they did come they would maybe ask me to leave. I did not cause malice or harm, just straight up dissatisfaction with TD. 
4. Your " VP '' kept referring to me as " Miss '' completely rude, I may look young and not have an old weathered face like you but I 'm no " Hun '' or " Miss '' 5. I was told by the XXXX man XXXX ( who you can barely understand bc of the accent ) that I had to sign a release to get the check deposited, ok I said give it to me. He said no you have to come back and get it. I said that 's the dumbest thing I have ever heard, you already are aggregating, and stupid but now when you are saying I have to come back again only at that time I get the release. 
6. According to this " XXXX '' she also said I could sign this release and then get it cashed XXXX. Apparently noboby at TD bank knows what they are doing bc according to the " VP '' that was an old thing that you guys use to do but do n't do it anymore. NOT OKAY 8. MY HUSBANDS $ ALWAYS GOES INTO THIS ACCOUNT AND WAS NEVER QUESTIONED THIS WILL BE REPORTED TO THE XXXX AND I WILL CONTINUE TO CALL AND EMAIL UNTIL I GET A FULL WRITTEN APOLOGY IT SEEM LIKE THAT " VP '' OF YOURS WOULD HAVE CASHED THE CHECK- BC SHE ASKED ME HOW MUCH IS IN MY ACCOUNT? " IS THERE ENOUGH TO COVER IT? '' Then when I called back to complain bc the number she gave me for her manager was magically not working?! She whispered she could put the check through, but then when I told her she already told me it would bounce back ... .I do n't understand why she would intentionally say she would n't put the check through, then she said she would, but if she is a manager then she should know that the " back office '' would stop the check. Seems to me that she had ill intentions and purposely tried to make things harder. XXXX XXXX called me back phone number XXXX SHE TOLD ME TO GO TO A CHECK CASHING PLACE. 

THE ONLY KIND INDIVIDUAL THAT WAS WORKING DURING THAT TIME WAS A MAN NAMED XXXX, HE STOPPED WHAT HE WAS DOING AND JUST LISTENED TO ME AND TRIED TO BE KIND. HE WAS YELLED AT BY THAT XXXX VP XXXX TO GO SIT BACK DOWN. 

The check was from XXXX {$1100.00} written payable to my husband XXXX XXXX, we both signed the back of the check, I tried to deposit. Then got several different lies told to me by TD bank members. Basically there was an endorsement before and you could fill out a form and then have the bank check cashed, well apparently not all employees are on the same level

Company response to consumer: Closed with explanation