Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021 I checked my TD Bank accounts on my app. There was a charge for {$440.00} from the joint account that I had opened with a former partner (  XXXX XXXX ). His account had been overdrawn for the same amount due to negligence on paying back the overdraw fees on his part over the course of 4.5 months. I was able to access the history of transfers and deposits to the joint account from my phone, which was connected to all of my utility accounts for the house we lived in together. It clearly states that his personal account had not contributed or taken from this joint account for the same amount of time he started accruing this massive overdraw amount. I made sure to check that before immediately calling TD Bank to try getting it resolved. 

I had received zero notification that this was going go happen. I would have moved my money and changed the account that my utilities come out of to my personal account, but I was never given the chance. 

I spent that morning on the phone and at my local branch, where I was treated with coldness and a not sure what we can do attitude, even after explaining in detail everything that had happened and why, and that it was crystal clear that the money that had been taken out to cover his debt had been put into the joint account by me and me alone. I was told to get back on the phone with upper management, and the clerk at the branch provided me with a number to call. 

At this point, I was so agitated and discouraged that I was in hysterics, so much so that I had an anxiety attack. When I had calmed down, I called the upper management number they had provided for me and I was told once again that there was nothing that could be done. 

In addition, the next time I went to my local branch ( the same one I visited on XX/XX/XXXX ), the clerk who spoke down to me, chastised me for being upset, and brushed me off with a phone number came to the window just to say hi while keeping intense eye contact with me. She was not the clerk helping me make that days deposit and it was very uncomfortable, extremely unprofessional and humiliating, especially when she was the one I had explained this trying situation to less than a week prior. 

Id like to reiterate that the date this happened was XX/XX/2021. This was rent money that TD Bank stole from me to cover a debt that was someone elses responsibility following a global pandemic that unemployed literally millions of people. TD Bank used what were clearly my funds to cover someone elses debt to them, treated me poorly when I was doing all the work to get it resolved, and decided to further mock me by coming to see me deposit a measly {$20.00} into my account because that following week I was scrambling to pay my rent following this hit. 

I have never done anything like submit a complaint before because I believe in personal responsibility, but that is also why I am doing this. My ex had a personal responsibility to pay back his debt and TD Bank had a personal responsibility to do their due diligence and see plain as day with the records I also had access to that it wasnt his money they were taking - it was mine. I feel I am being held financially responsible for not only a negligent persons actions, but a major bank that I have entrusted with all the money I have. {$450.00} might not be a lot to some people, but that is a huge blow to me with the income I earn to merely survive. 

Thank you for considering my complaint and hearing me out. I hope to hear from you soon. 

XXXX XXXX

Company response to consumer: Closed with explanation