TD Bank Bank Account Or Service Complaint

TD Bank Bank account or service department,

Checking account Account opening, closing, or management New York

-/-/- I opened up a joint TD Bank account ( with my mother ) for use while I was studying abroad. -/-/- I took out the balance from the bank account, walked into TD Bank and asked to close my account. The teller led my mother and I to a banker who reviewed the account information, and said that we do not have to do anything else but 'cut up our debit cards and discard them '. Since there was a - balance on the account, he will close it. After that date, I would receive statements from TD Bank. After contacting them several times, I was told that they are unaware of why I am receiving statements since there was a - balance and I closed my account. I walked into the TD Bank on - - and - - in - and asked to speak to a Banker to handle this issue. The Banker could not find my account information and said that it was closed. At which point I asked to speak to a supervisor. The supervisor was not present and I was told he will reach out to me after I provided my information. I stopped


Today my husband and I decided to apply for a mortgage and after checking my credit history, I was told that my score is - because I have $41.00 outstanding as part of collections on that account. The $41.00 is related to overdraft fees because I had no money in the account ( when the bank account required a balance at all times ). I have never received notice of collections related to this account. Furthermore, I have done everything in my power to close the through TD Bank and was misinformed throughout the entire process. This has now wrongfully affected my credit score and I was mistreated as a consumer. I am a working individual with - debt, but I refuse to pay the $41.00 as it was wrongfully incurred and should be removed completely from my credit history.