• Report: #309438

Complaint Review: TD Banknorth

  • Submitted: Sat, February 16, 2008
  • Updated: Wed, February 20, 2008

  • Reported By:Orono Maine
TD Banknorth
P.O. Box 1377 Lewiston,, Maine U.S.A.
  • Phone: 800-747-7000
  • Web:
  • Category: Banks

TD Banknorth Possible Bank Error?? Overdraft fees to the max. Lewiston, Maine

*Author of original report: ATM

*Consumer Comment: ATM balances are not current

*Consumer Comment: "Is there something that I'm missing about this"

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On Monday Jan 28th I logged into my account online and my balance was $60. On Tuesday Jan 29th I checked the balance of my checking account and it was (12.48) at around 9:30am. I then made a deposit of $165 to bring my account positive. My available balance was $86 and my current balance was $151 after my deposit.

I then proceeded to use my card for three purchases thinking I had a positive balance. After two hours I went home and checked my balance again online just to see why my account was negative earlier in the morning. My balance online was (214.00). Meaning the ATM was completely wrong when I checked it just a couple hours earlier?? According to the online records I started my day on the 29th overdrawn $103, and why when I checked my balance on Monday was it positive $60. If my account was overdrawn on Mon I would have promptly made a deposit making my balance positive before 7pm??

It figures I have no proof of what I saw on my computer screen, but I have a ATM receipt showing my positive current balance of $151 at 9:30am Tuesday. When in fact my balance was (214.00). I immediately wrote a csr stating what happened. They had no sympathy and only refunded me a "One Time" $75 out of the $210 they charged me. I also immediately made a deposit of $200 to cover the charges. To show them I had the money the whole time, but there system messed with my head.


Is there something that I'm missing about this. I thought that the ATM balance was pretty current??

John
Orono, Maine
U.S.A.

This report was posted on Ripoff Report on 02/16/2008 11:22 AM and is a permanent record located here: http://www.ripoffreport.com/r/TD-Banknorth/Lewiston-Maine-04240/TD-Banknorth-Possible-Bank-Error-Overdraft-fees-to-the-max-Lewiston-Maine-309438. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 3Consumer 0Employee/Owner
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#1 Author of original report

ATM

AUTHOR: Nedsports - (U.S.A.)

Then why when I make a deposit at the ATM and check my balance it changes. After 8am the ATM balance changes and I was at the ATM after that. Banknorth told me that the internet balance isn't current, but thats BS. When I make a purchase online my balance is decreased every time.
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#2 Consumer Comment

ATM balances are not current

AUTHOR: Chloe - (U.S.A.)

Most ATMs will show a ledger balance -- the balance you had the previous business day. This is why it is important to keep a register.
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#3 Consumer Comment

"Is there something that I'm missing about this"

AUTHOR: John - (U.S.A.)

Certainly. I notice you don't mention what your own accounting in your check register said.
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