Consumer complaint received 2016-03-01
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 I opened a account at TD Bank XXXX XXXX XXXX, XXXX, PA XXXX, AND FOR 3 WEEKS NOW I HAVE BEEN BOMBARDED AND THEN REBATED ( -AFTER COMPLAINING - ) WITH OD FEES! And then Bombarded again!!! 3 weeks in a row. ALL with no access to a account statement! On-line or otherwise. 
BUT NEVER FULLY MADE WHOLE BY THIS BANK! AND THEY DO N'T SEEM TO CARE AND JUST PASS THE BUCK!! The Customer service rep XXXX XXXX. I have learned is part time and in college. When I inquired about my Paychecks and availability, I was advised by XXXX that my XXXX check deposits would be available the next business day. NOT 3 BUSINESS DAYS! 
XXXX ALSO did not go over the following items with me when I opened the account : 1 ) XXXX XXXX was not explained nor was I alerted to the policy. 
2 ) Deposits - A Payroll check made on Friday when I asked I was told those funds " would be available " Next business Day and/or Monday ''. - NOT WEDNESDAY of the Following week! As is the case with this bank it appears ... 
3 ) I was told that On-line banking was simple to Set-up, but when I went home and tried to, I had had several " authentication '' problems and long 15 minute waits on the Customer Service HOT-LINE and gave up.Only to find out later that I was given an incorrect Temporary password for setting up my account. Again, when I called the hot-line for assistance, it was impossible to get through. Just a advertising soundtrack that repeated itself many times over and over. I gave up after 15 minutes on hold. 
4 ) OPT in- OPT out was NOT Explained on XXXX, XXXX, but by a Supervisor at a store local to my job in another town - I work XXXX to XXXX at XXXX - when I visited the bank after the trouble started ... Notwithstanding the above, I would like to pursue a remedy to the Overdraft charges that occurred in the first 10 days within opening of this account. 
I feel cheated out of my money because I could not view my on-line statements for the first 3 weeks upon opening this account. I would have been able to take proper action to avoid these overdraft charges. 
After visiting the bank and describing why I felt something was wrong with my account - I was {$110.00} in the negative at this time.- to a XXXX XXXX XXXX XXXX Supervisor. She rebated me XXXX or {$70.00} in overdraft fees. I still had not seen a statement of my account, nor been able to set-up on-line banking. She advised me to call a NEW number. This did work and I spoke to a man named XXXX. He apologised for all the inconvenience and advised me he would further rebate a additional OD fee that XXXX XXXX had overlooked. 
Finally after going on line and reviewing my account, it became apparent to me that " next business day '' did not apply to this account!! And I was being penalized to the tune of {$35.00} a pop for {$7.00} worth of coffee and cigs, when in reality the funds were sitting right there in my account BUT NOT CLEARED BY TD BANK as I was advised upon opening the account.

Company response to consumer: Closed with explanation