TD Bank Bank Account Or Service Complaint

TD Bank Bank account or service department,

Checking account Deposits and withdrawals Virginia

I opened a business checking account with TD Bank on - -, 2015 with an initial balance of $200.00. On - -, 2015, an ACH deposit was made to my account in the amount of $12000.00. On - -, 2015 I wrote a check ( using - of the starter checks that TD Bank provided me when I opened the account ) from the account in the amount of $5600.00 and deposited it to my personal savings account at - - - - to reimburse myself for business expenses. The check was not honored and was returned to me, and I was charged a $30.00 return check fee. There were sufficient funds in my TD Bank checking account to cover the check, and there was no reason for TD Bank not to have honored the check. On - -, 2015, TD Bank assessed my account a maintenance fee of $25.00. This was interesting because when I opened the account on - -, I was told by - - - who opened the account for me at the -, VA branch - that as long as I maintained a balance of at least $1500.00 that the fee would be waived, and


the account. Because of the items described above, on - -, 2015 I went in to the - branch and closed my account. Before I closed the account, I checked the account information in online banking and saw that the last pending item, ( which was an online bill payment to - - in the amount of $1500.00 - had cleared my account and no longer showed as pending ''. When I was at the branch closing the account, I specifically asked the teller if she was showing anything in the account in a pending '' status, and she indicated that she did not. In addition, my - - account showed a credit posted to the account on - -, 2015 in the amount of $1500.00, which was the online bill pay transaction. On - -, 2015, I received an email and a phone call from - - indicating that the $1500.00 payment from TD Bank had been returned. I immediately called TD Bank 's customer service number to find out what happened. The customer service representative initially told me that she had no idea what I was talking about and that she reviewed my account and did n't see any record of a payment to - - and did n't show me having a balance of $1500.00. It took roughly a half hour and lots of time spent on hold while she looked into it further and concluded that TD Bank did not process the payment because I closed my account. She said that she did not know where the $1500.00 was and that I needed to go in to my local branch to get the issue resolved because my account was showing a $0.00 balance. A little while later that day I went to the - branch and spoke with - -. She looked at my account and similarly could n't figure out what had happened and did not know how to go about getting my $1500.00 back. She made a call to another office, and apparently they told her that she needed to send an email to central processing to request that they send me a check. - indicated that she would follow up with me by the next day to let me know the status of my reimbursement for the $1500.00. I never heard anything back from -. I still have not received the $1500.00. I have not been contacted by TD Bank at all over the course of this issue. Additionally, because of the returned payment, - - charged me a returned payment fee of $27.00, and I incurred interest charges in the amount of $57.00 because the returned payment resulted in my account carrying a past due balance.