Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (MD)

XX/XX/2017 I went to TD Bank located on XXXX, XXXX, MD XXXX with my wife to make a withdraw. I was told to wait at the teller counter while she asks the branch manager for an approval. The manager, then, walked to his assistant manager 's, XXXX, desk for guidance. After a few minutes, XXXX asked me to follow him to his desk. First, he asked my why I transfer money back and forth between my saving and checking accounts. I explained the reasons behind those transactions and XXXX was satisfied with it then he moved on to another topic. Three of my accounts was " Red Flag '' [ charged off ] so he can not give me my money yet until I pay off the outstanding balance. He claimed that I must have 10 or more letters from TD Bank for each account telling me that it was overdrawn. I told him that I did not check my mail every day and did n't get any calls from TD regarding the negative balance. He said it was hard to believe by saying he 's not buying it. He picked up his phone and called the charged off department and asked them if he could freeze my accounts which have more than enough money to cover the negative balance. I did not know what the charged off department said but I 'm assuming that he can not put a freeze on every account. He went on and asked if he could put a hold on the funds in the amount that I owed and make the rest available to me to use. He made an assumption that I already knew that my three accounts are overdrawn and I still opened an account online which should be closed by now. He also said, " Honestly, you 're not supposed to be banking with TD Bank ''. I asked him if the bank could wait until next week to collect the funds to cover the outstanding balance because I got ta pay the rent instead of trying to close these accounts. I also said it is not worth losing a customer. As many people know if you 're in the business for awhile. If you let one customer walk away with negative feelings toward the business. That customer is likely to talk to another person and then another and another. That was why I said that to him. This is what he replied, in my face and in front of my wife which was on the phone and another person on the phone heard it crystal clear, " at the same time it 's not worth having a customer that has charged off account with the bank ''. He kept bringing up his assumption that I knew and aware of my balance that 's why I opted to open a new account online. Which I told him that I do not check my mail every day and did not get any calls or emails from TD Bank. I also told him to check that a few weeks ago once I found out about one negative balance on the account, I transferred around $ XXXX-XXXX to cover the balance. That would show that I 'm doing business with TD Bank in good faith and not trying to rob or take any advantages from this relationship. XXXX, then, allowed me to get my $ XXXX in cash and will freeze some of my funds until next week when I come in with the additional funds. After consulting with some of the government agencies, I decided to write this complaint/review to get TD Bank attention in order to work together to solve this. And please, read some customers ' review about this location. I love TD Bank and your other locations but this branch manager and assistant manager are driving us nuts with their manors and unprofessional behavior. Please hear us out!