Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX  I decided to open a savings account with TD bank online. I already had a checking account with them and decided to open a savings account. On XX/XX/ I transfer the amount off {$2400.00} into that savings from my checking account. I got paid the next day on XX/XX/ and transfer {$100.00} from my checking to my savings. After 20min, I decided to go back into my check to see how much I had there so I can pay my bills, for some reason I couldnt see how much was in my savings, unless I clicked on it. I called TD bank and to ask what happens, the representative told me being that I opened the savings online, they thought someone opened the account in my name. I told them no, I opened the saving through my mobile app. She said she will reach out to the department. She came back and told me she informed them and its fix. Got off the phone, I tried logging back into my account and couldnt, I tried resetting my password but got a message to call them. I called back and was told the bank decided to cancel my account and to go to the branch. I went to the bank, I spoke to XXXX, XXXX knows me because he opened my checking account. He called the support team. XXXX informed me, TD told him it wasnt them that cancel me, it was a third party that works with them. XXXX told me the support team told him to send a email to someone, he will send the email, and will call me on Monday or Tuesday, Monday came no calls, Tuesday morning my job emailed me to informed me the bank send the deposit back, they will send a check. I called XXXX for an update he told me he couldnt get my account back. I asked about the funds both in my checking and savings. He told me to call online support they will be able to help me. I called TD support and asked to speak to the department the representative told me no, she wont transfer me. I contacted XXXX back, he said theres nothing they can do. I do not have a dime on me. Im grateful for my bf that is providing right now. Its sad because what if I had children, like I dont walk with cash. How do they expect ppl to survive, Im literally going through a lot because I have no funds. how can a company be so evil. When I spoke to XXXX on Tuesday, he told me to come in on Thursday. Which is today, left work and went there, XXXX didnt give me any information except my statement. I looked at my statement and saw TD bank went into my saving account and transfer money from my savings to my checking without my knowledge. I never authorized TD to take money from my savings to my checking. I left TD bank and call the support team, the guy told me I had negative {$100.00} in my savings. How? When I transfer XXXX and a {$100.00}. I asked why did my money go? They cant answer me? I asked how much is in my checking they told me XXXX. How? I asked to speak to someone nobody can help. Yesterday was my bf bday and I couldnt even get him a cake because I had no cash on me. Im so mad I dont know what to do. This is just the beginning. Im suing and Im getting in touch with every government company I know. Its okay to close my account if you want, but to steal my money and not have my money available is crazy. The fact that this company went into my savings to transfer money to another account without my knowledge is CRAZY. I my bf is a lawyer and Im in school for paralegal. the bank can close accounts if they want, but they cant transfer money from another account without the owners authorization. On my statement XXXX printed it and it states phone call to transfer funds from saving to checking. I never called TD to transfer funds from my savings to my check. So in court TD has to play that tape of me authorizing it. The fact that these ppl are giving me the run around because nobody can answer me is crazy.