Consumer complaint received 2024-10-27
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY (NY)

I went to a branch at XXXX XXXX XXXX in the XXXX today. My concern was a pending debit card transaction in the amount of {$2.00} which I didnt authorize. This occurred at XXXX XXXX. or thereabouts. Since I had to sign in, the time and bank employee I worked with should be easy to ascertain. The aforementioned employee explained since said transaction was pending, I would have to wait until it was a posted transaction. She suggested I get a new debit card. I concurred ; she stated that I could only receive a card today if I had a cellphone, otherwise the card would have to be mailed to me. 
This is a discriminatory policy. How dare your bank dictate I must have a cell phone to receive my access to my money. Let us put this in perspective. This is not TD Banks money this is my money, which I am loaning to you. The policy is discriminatory because once I have established I am the legitimate account holder, which I did by showing my debit card and a valid piece of identification, I should be able to receive a new debit card the same day, like any other customer, whether I have a cellphone or not. 
I can not believe you have the unmitigated temerity to call yourself Americas Most Convenient Bank! I found myself greatly inconvenienced today. You can reach me via email at : XXXX, or by phone at XXXX. 
I expect this injustice to be ameliorated with all deliberate speed. 
On or about XXXXXXXX XXXX  XXXX XXXX called, he is the branch manager. I explained the situation expecting assistance. On the contrary, XXXX XXXX, justified this reprehensible policy, he voiced the party line, and attempted to insult my intelligence by stating : The purpose of the cell phone only requirement to prevent fraud. I retorted this was condescending and insulting. I elaborated inasmuch as I have in my possession a United States passport card, and a New State Driver 's License, a federal and state document, the fraud issue is moot. He stated I can get cash by going to the teller window. I replied what if it's after banking hours when I need funds. Furthermore, I am XXXX XXXX with XXXX  issues, I use my debit card to pay my doctor bills, and can not wait XXXX weeks to receive a debit card by mail. Also, to reiterate, what is more valid than a passport and driver 's license to prove my identity. Furthemore if I can use these documents to obtain cash from the teller window, why can I not used them to get a much needed debit card, as many places don't take cash, in one day. This used to be the policy, it's only recently that the cell phone only policy was implemented. 
This all happened because of a glitch at a XXXX  card vending machine, which accidentally charged me {$2.00}. This was a technological glitz, not a fraud issue. This XXXX XXXX, and his underling XXXX are the epitome of rudeness and unprofessionalism. Neither off them should be in a position to solve problems. When you are a supervisor, you are supposed to put the needs of your customers first and foremost. The attitude of these people is " as long as I receive my paycheck, so be it. '' Neither of these individuals should hold their current positions, for they are indifferent to the needs of their depositors, who are in essence loaning their money to the bank. 
I need your assistance, I need justice, if your agency does not handle this issue, please forward it to the proper agency.