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Deposited a check yesterday morning (Friday 11/27/2009) at the 136 Margaret St., Plattsburgh NY location, and immediately checked my account balance: the check was there, I was happy.
This morning (Saturday), I find that my account is overdrawn, so I check my account both online AND on the phone (and I called the numbers for both the automated service AND the live representative) and the check is no longer there. It simply disappeared. There is NO RECORD of my depositing a check yesterday morning; it's not in my Account History or in my Pending Transactions. The check simply doesn't exist, according to the numerous representatives I talked to over the phone.
Luckily I have my teller receipt AND a mini-statement from the ATM showing the check, and will be bringing them down on Monday. I can't wait for the runaround and double-talk I'm SO used to getting from TD. As soon as they fix this and put the money back in my account, I'm closing the account and putting my money into Key Bank.
This isn't the first problem I've had with this bank. They've been regularly charging me overdraft fees when my account isn't overdrafted, and then the FEES cause me to be overdrafted, resulting in MORE OVERDRAFT FEES. I never ever had a problem with this bank before the merger, but now they're messing up my account on a regular basis.
The complaint has been investigated and resolved to the customer’s satisfaction.
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I am having this exact same problem, except that I don't have my teller receipt, unfortunately.
I also have had problems with outrageous, stacked overdraft fees. I opted out of their new unlimited overdraft program, in which you can continue to overdraw as many times as you'd like, back in November. Come late December, I had another overdraft issue and they revealed that they'd never put through my opt-out request, despite making a note of it.
They refunded two of the three new overdraft fees and claimed that the last one was non-refundable, until I complained at a later date. Still, hearing "we messed up, now you pay for our mistake, " is not a real incentive to stay with them.
Why am I getting blank checks with my name, address, a wrong phone number, and a debit card from a bank called TD Bank that I never ordered?! I have never heard of these people!