Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Sent : XX/XX/XXXX XXXXXXXX XXXX  I have confirmed in two phone calls with the CSR that the promo was attached on the recorded line. Furthermore, in the last message you have clearly stated that the bonus was seen and attached, copy and pasted from previous conversation. 

" Based on the promotional offer you signed up for, the credit will be applied within XXXX days. Upon review, your account was opened on XX/XX/XXXX, and is still in the qualifying period. If you still do not receive your credit after this timeframe, we will be able to review your eligibility at that time. '' Lastly, I have utilized the promotional link via online, checkingbonus.tdbank.com/XXXX 

So again, what is the date that my bonus will be received? I did everything according to terms and conditions and should not have to wait 2-3 more weeks for my XXXX bonus. I am getting back vague answers and no certainty on a date that the bonus will be in my account. I do not want the run around. Provide a date. 

Hey XXXX, Thanks so much for your patience while we check this offer for you. 

Our Promotions Team has reached back out advising that this account was opened online, but not through the qualifying promotional link. As a result, the account has not been reviewed for this offer. They have added the account to their exceptions file to be reviewed during the next fulfillment cycle, which runs approximately every 2-3 weeks. 

If you are still not finding a bonus after this timeframe though, please don't hesitate to reach back out so we can check the account again. 

We appreciate your patience and hope this information is helpful. 

If you have any further questions related to this topic, please reply here. You can also call XXXX to speak with a Customer Service Representative 24 hours a day, 7 days a week. 

For your convenience, it's never been easier to find answers to common questions about your account and TD services at our Help Center online at https : //www.td.com/XXXX 

Thanks, XXXX TD Bank Digital Specialist Sent : XX/XX/XXXX XXXXXXXX XXXX BONUS HAS NOT BEEN APPLIED. Again, terms and conditions have been completed on my end. Please respond and I am requesting my bonus immediately. To date, bonus has not been applied. Reaching back on one last time, as directed since it has not been applied on XX/XX/XXXX. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Hey XXXX, I can understand your concerns and would be happy to review your account to provide more details for this offer. 

Please know that this offer is available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. 

Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Payments received for goods sold do not qualify. Customers who are employed independently and receive CCD deposits may be required to submit satisfactory proof of payment such as a pay stub. Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. Bonus will be reported as taxable income to the IRS on a 1099-MISC. Offer may be withdrawn at any time and is subject to change. One bonus per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible. 

Once the offer criteria is met, the bonus should be automatically credited into the new personal checking account 180 days from the account opening. The account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. 

Please know we are unable to confirm this offer will be applied until after this timeframe has passed. In addition, I see the account was opened as of XX/XX/XXXX, and should be reviewed by XX/XX/XXXX. If you are not finding this credit applied by XX/XX/XXXX, we invite you to reach back out so we can connect with our Promotions Team for further review. 

I hope this information is helpful and thank you for your continued patience during this time. 

If you have any further questions related to this topic, please reply here. You can also call XXXX to speak with a Customer Service Representative 24 hours a day, 7 days a week. 

For your convenience, it's never been easier to find answers to common questions about your account and TD services at our Help Center online at https : //www.td.comXXXX 

Thanks, XXXX TD Bank Digital Specialist Sent : XX/XX/XXXX XXXXXXXX XXXX  Opened my account on XX/XX/XXXX. At XX/XX/XXXX it will be 180 days. I do not want to make a formal complaint to the CFBB. I expect my XXXX bonus by no later then XX/XX/XXXX. Below is the bonus that I have successfully completed according to the TD Beyond Checking terms and conditions. 

Step 1 Open a TD Beyond Checking account.

Step 2 Set up direct deposits. 
Step 3 Have {$2500.00} in qualifying direct deposits post to the account within 60 days. 

Please reply to this message that you have acknowledged receipt of it and with a date when my bonus earned will be credited to my Beyond Checking Account. 

XXXX XXXX XXXX XXXX c -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Good morning XXXX, Thank you for contacting us about a promotional inquiry. 

Based on the promotional offer you signed up for, the credit will be applied within XXXX days. Upon review, your account was opened on XX/XX/XXXX, and is still in the qualifying period. If you still do not receive your credit after this timeframe, we will be able to review your eligibility at that time. 

180 days from account opening : XX/XX/XXXX You may refer to the terms of the promotion to ensure all qualifications were met, and to determine when the credit should be applied. You may also reply to this secure message with details about which offer you opened your account with, and we'd be happy to provide further information. 

Your TD Beyond Checking account has a monthly maintenance fee of {$25.00}. The minimum daily balance required to avoid the monthly maintenance fee is {$2500.00}. 

Reviewing your account, we show your statement cycle starts and ends on approximately the XXXX of each month. Please note this date may fluctuate due to holidays and weekends. 

Our records indicate that your account balance fell below the minimum on the following date ( XXXX ) with the respective ending balance ( s ) : XXXX {$3.00} We encourage you to review other products that we currently offer. You may view these account types by visiting TD Bank and clicking the 'Checking ' link under the Products tab. This will bring you to a page where you may review various products and services that TD Bank currently offers. 

You may also set up through TD Bank Online Banking to receive an email alert regarding your account. Use Balance Alerts to be notified when you have a low account balance or excess funds you might want to move to a higher yield investment. Use New Message alerts to notify you when TD Bank has sent you a secure message. This includes important bill pay information and other secure communications. 

To set up your alerts, you may follow the steps below : Step 1. Click the 'Account Options ' drop down arrow Step 2. Click 'Alerts ' then 'Add Alert ' Step 3. Choose the type of message you want to receive and enter your specifications and click next. Please note that you will need to confirm the information on the next screen and click 'Save ' After review, we were able to extend a courtesy refund of {$25.00} to your account. 

We hope the information provided is helpful. 

If you have more questions about this, or if there's anything else we can do for you, send us a secure message or call XXXX to speak with a Customer Service Representative, 24 hours a day, 7 days a week. 

For your convenience, it's never been easier to find answers to common questions about your account and TD services at our Help Center online at https : //www.td.com/XXXX 

Thanks, XXXX TD Bank Digital Specialist Inquiry Type : Something else ( explain below ) XXXX : XXXX Account : Account Number : XXXX ; Account Type : XXXX ; Account Subtype : CHECKING Amount : null Message : Wondering when my bonus will post on my checking account? Approaching the 180 day mark and have called CSR twice and they said the they see the code and it should post in XX/XX/XXXX. Is there a specific date? 

Also, any way I can get the monthly service charged waived? I have been out of state working contract and have yet to be able to step inside a branch nearby since there is not one until I get back. 

Thank you. 
Delete

Company response to consumer: Closed with monetary relief