Consumer complaint received 2024-09-17
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX I went to the TD Bank ATM to deposit a check that was printed from a regular printer ( e-check ) and the check was stuck inside the ATM. I went inside the branch and informed them that my check was stuck, they told me to wait and if any issue they will contact me. 

I waited for my check for a week then I decided to login to my account to see the status and realized my account was blocked. I called the branch to find out the issue with my check on XX/XX/XXXX and and apparently the issue was reported to the fraud department and they decided to close my account. When I confirmed with the branch that my check was legitimate, they deposited it again which caused my issuer to be debited twice. SO one check was deposited twice. I did once and I think the bank teller did the second time which was the cause of me being reported to the fraud department. 
My boss who write me the check gave me the statement showing on XX/XX/XXXX TD bank debited his account twice and reversed one of the two.

Around that time also I received a letter from TD Bank stating they decided to terminate our relationship and my accounts will be closed on XX/XX/XXXX. At that time they will send me my check through mail. They stated if I don't want to wait that long I could go to the branch and close it there immediately. 

On XX/XX/XXXX I went to a branch where I deposited my check and they blocked them from closing my account. The following day I went to a different brach and they were able to close my checking account and gave me the money but they blocked my savings account which had {$750.00} on it. They tome me at the branch that they will send me my check in the mail 10 business days after they close. 

This is XX/XX/XXXX and I have not received my check. I called TD branch customer service asking about the status of my check and they told me the bank closed my account, {$750.00} XXXX was taken out and they won't send me money because they owe me nothing. I went to the branch to find out what the issue was, they told me TD decided to use {$750.00} to recoup $ XXXX they gave me when they closed my checking because the check I deposited did not clear ( which is a lie ). My check issuer who banks with citizens bank sent me the statement showing they took the money from his account. Besides, how could they recoup $ XXXX with {$750.00}? And why would they close the account if the check did not clear. Wouldn't they keep it open until the issue is resolved? The check was cleared. TD bank employee stole my money because I have a funny name. They know I am foreigner. They would never do that to someone with a name XXXX or XXXX. They do to me because whoever works at the fraud department knew I have unusual name and therefore they can do this to me. This is my life. I am not a billionaire like TD bank. The fact that a multi billion dollar bank would try to defraud me is appalling. I please help