TD Bank US Holding Company Bank Account Or Service Complaint

TD Bank US Holding Company Bank account or service department,

Checking account Deposits and withdrawals New Jersey

I wrote a check to my roommate to cover my rent for the upcoming month. I dated the check for the date that my paycheck would be in my account. I have done this countless times before and never had an issue. The check was dated for - -. On - -, 2016, TD Bank ( the bank my check was from ) allowed the check to be cashed. That in turn caused my bank account to be overdrawn by nearly $900.00. When I contacted TD Bank to ask why they would allow a check that was post dated to be cashed, I was told that they " do n't really look at the date on the check ''. Since when?!? I asked to speak to a manger and was told again that they do not even look at the date on the check anymore. And that " in this day and age, the date on the check does n't matter ''. The manager then explained that if I write a check to someone, they have up to 364 days after the date on the check to cash it ... So, they pay attention to the date in case the


do n't care as a bank? I explained that because of this issue, I now did n't even have the money to get home from work that day. The manager then explained that I should know better than to post date a check and that I should not do it in the future. Overall, it was a very unsatisfactory customer service experience. They however were 'kind ' enough to reverse the $35.00 overdraft fee that had occurred due to them cashing the check before the date on it. Today, - -, 2016, I looked at my bank balance and there was an additional $70.00 that had been taken out of my account. $35.00 for the account being over drawn ( I do n't get paid till Friday -, - that is why the check was dated for that day ), then, because that $35.00 overdraft fee came from an account that was overdrawn, they charged an ADDITIONAL $35.00. I called the bank and had a very pleasant young lady who reversed the $70.00 charge and also told me that she agrees with me that it is terrible business to allow a check to clear two days prior to the date that was on the check. I have had checks from government agencies and no bank will cash that check till the date on said check. But, because I am just little old me, somehow it does n't matter. It is really a shame too, I used to sing TD bank 's praises, but they have really done down hill. And they have lost a customer in me, along with every person I can convince to leave this bank.