Product: Checking or savings account

On XX/XX/year>, TD Bank unjustly and unlawfully withdrew {$1900.00} in total from a joint checking and savings account I have with my mother, in addition to restricting and freezing the accounts. TD denied us access to use our funds, including my other savings account thats only owned by me. 

I called TD Bank on XX/XX/XXXX to inquire about it. I spoke with multiple representatives in customer service and XXXX from the XXXX department at TD Bank. They both stated they received a levy order from NY XXXX XXXXXXXX XXXX XXXXXXXX for my mother, who is the co-owner of the joint accounts. I told TD Bank representatives this is illegal, and TD Bank can not deprive me of rights to access my funds to provide for basic needs and living expenses and taking exempt funds. I do not have a levy order, and denying me the use of my funds is a violation of my due process rights provided by the constitution and Regulation E. All the representatives disregarded my statements, including the one from the levy department, and proceeded to violate our rights. TD Bank representative from the levy department lied by stating XXXX must release the order for the restrictions and freeze to be removed. The funds in the joint accounts are exempt from XXXX we did not require a XXXX  release prior to reinstating the account. 

The sources of income for these accounts are my money from my employer and from financial aid from law school which is exempt from levies. Another source is my mother 's only income of Social Security money, which is federal benefits. The joint savings account contains my mother federal benefits. My mother 's Social Security benefits are deposited into the checking account every first Saturday once a month every month. The joint checking account that receives the federal benefits deposited then gets transferred to the joint savings account. I stressed and placed severe emphasis to TD Bank employees that under state and federal law theres a certain type of funds that is exempt to pay a debt or judgment, and social security is XXXX of them. TD Bank can not take my money to pay for my mother 's judgment due to it being a joint account because I do not have a levy order, and its non spouse. 

TD Bank can not take funds from either checking or savings accounts because both accounts are a mixture of the funds, hence they are exempt. TD Bank unlawfully deprived my mother of legally receiving and using her funds regardless of a levy issued because her funds are exempt. It's TD Bank 's responsibility to examine the type of funds in the account prior to withdrawing for a levy order. TD Bank 's duty is to inform NY State that the funds in this bank account can not be taken because its a joint account, and XXXX of the sources of income is social security, which is an exempt fund. 
On XX/XX/year>, my mother and I spoke with the XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and they called the TD Bank XXXX Department inquiring about the amount and the type of funds that were withheld. XXXX XXXX, a TD Bank employee out of the XXXX department, stated they withheld estimating {$1700.00}. XXXX asked what type of funds are in the account ; XXXX XXXX stated she only sees my employer deposits in the account. XXXX asked XXXX XXXX if she sees my mother 's Social Security benefits in the account, and she stated no. XXXX XXXX, from TD Bank, stated false and incorrect information, which caused us unnecessary expenses by sending supporting documents, such as bank statements, identifying proof of social security benefits via fax to XXXX to prove it. If XXXX XXXX was honest and did her job, the levy couldve been removed that day. This caused us undue burden, emotional distress and a violation of our due process.