• Report: #716416

Complaint Review: TD bank

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  • Submitted: Mon, April 11, 2011
  • Updated: Mon, April 11, 2011

  • Reported By: ajaypal — burlington New Jersey United States of America
TD bank
1050 chestar avenue township of delran nj 08075 delran, New Jersey United States of America
  • Phone: 8887519000
  • Web:
  • Category: Banks

TD bank commerce bank becomes TD bank now lost my cheque and give attitude bad customer service delran, New Jersey

*Consumer Comment: Well...

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. [continued below]....
....HI my name is ajaypal s and i 've been a customer of commerce bank which changes into TD bank since last seven years. I am so not happy with the customer service of TD bank. I deposited this $ 3500  cheque on 04/08/2011 on friday and cashier told me it's going to take 3 business days to clear the cheque. Then i went to the bank on 04/10/2011 to withdraw some money from my account ,happenly i asked the cashier about my balance in my account and asked about my cheque that i deposited on friday and he said he don't see any cheque of $3500 being deposited. I showed my deposit slip to the cashier he told me to go to the customer service and when i go to the customer sevice she said she have to put research on my cheque. i have to sit there for couple hours and then she gave me her card and told me to call later to know the status of my cheque. Then i called other day, she said she could not find my cheque, i told her to put a supervisor on the  phone, then she put supervisor on the phone and told me that i temporarily put a money in your account but i have to show a bank new cheque and get another cheque stopped, i have to run around whole day and i still have money missing in my account and i encountered a bad customer service

This report was posted on Ripoff Report on 04/11/2011 03:01 PM and is a permanent record located here: http://www.ripoffreport.com/r/TD-bank/delran-New-Jersey-08075/TD-bank-commerce-bank-becomes-TD-bank-now-lost-my-cheque-and-give-attitude-bad-customer-se-716416. 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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#1 Consumer Comment

Well...

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

The only "RipOff" seems to be your lack of knowlege of the english language after being in the country for at least 7 years.

First of all Weekends and holidays are NOT business days.  So if you deposited the check(in the US it is not cheque) on 4/8(Friday), 3 business days would either be Wed or Thursday.  That would depend on if you deposited it before or after the "Cut-Off" on Friday.  If you deposited after the "Cut-Off" on Friday it would be treated like it was deposited on Monday(4/11), and that is when the 3 days would start, thus it wouldn't be available until Thursday.

You went on 4/10(Sunday) and it would be totally normal for the check to be "missing", especially if it was after the "cut-off" time where it may not even be deposited and showing up in their system yet. 

If this was the case it is confusing as to why they would give you a credit(even temporary), because your deposit slip should show the time deposited.  Also, if this is the case the Teller and Supervisor did make a mistake, and probably did cause you more grief and problems than needed.  Now, if they did in fact "loose" the check, giving you a credit(even temporarily) seems like a fair response.  For one you didn't even have to wait the 3 business days that was originally stated.

Now you didn't mention the source of the check, and I hope you know the person that gave it to you.  I say this because $3,500 is in the range a lot of scams deal in.  This is where someone you don't know sends you a check, ask you to cash it and send them back money by Western Union.  They will usually give you some reason such as you won a prize and this is taxes or a promise of some sort of job.  However, a few days later the check comes back as bad and you are now stuck for the money.
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