Consumer complaint received 2018-07-22
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
TD Bank has left me in SEVERE financial hardship and no way to pay my rent or other bills. 

On XX/XX/2018, a Saturday, I was attempting to make a purchase with my TDbank debit card. The purchase was declined. I called my bank to see if they could rectify the problem and a rep told me that my account was drained because of an " offset ''. I checked my account and there were XXXX dollars in the account that should have had {$1200.00} in it. Also, appearing in the transaction history are these items : DDA OFFSET XXXX - {$310.00} DDA OFFSET XXXX - {$460.00} DDA OFFSET XXXX - {$270.00} DDA OFFSET XXXX - {$100.00} DDA OFFSET XXXX - {$77.00} totaling {$1200.00}! 

The ENTIRETY of ALL my money with TDbank. They took it all. I do not have other accounts elsewhere with any funds in them -- this was ALL the money I had to support myself. And of course, no one at TDbank is anywhere near helpful, so I have had to wait until monday because their " collections department '' is closed on weekends, and standard tdbank lackies do nothing because they aren't in that department. Tdbank 's social media is merely damage controlling PR, ignores you, and is not supportive whatsoever. 

I have no knowledge of these other accounts that supposedly are in my name for which tdbank insists I owe them this money, nor have I ever recieved postal mail, email or phone calls insisting I owe money on past accounts at this bank. Td bank has taken money out of my account for accounts I didn't even know existed! 

Additionally, according to the " Right to Offset '' law, social security funds are EXEMPT from " the right to offset '', Section 207 of Social Security Act ( 42 USC 407 ). Tdbank has taken social security funds that were deposited into the td bank account which was drained. " A Financial institution can not offset social security benefits against any other debts owed to the bank. '' But they still did, of course! to the tune of {$86.00}. 

My account was completely drained and brought down to XXXX - leaving me with no way to pay rent, buy food, money for transportation or my medications. If TDbank does not refund my money to me immediately or rectify this issue either by phone or in person, I will be filing more complaints with the FDIC and the Office of the Comptroller of the Currency, who regulates TD BANK , N.A . 

TD bank has left me in severe financial hardship, leaving me without a way to pay my rent to keep a roof over my head, no way to pay bills and no way to even buy food or pay for transportation. TDbank " Customer Service '' lackies should be ashamed to work for such a heartless, greedy bank that would do this to their customers and leave them in a near-homeless situation. 

Also I was not able to afford my medication due to TDbank taking every cent I owe and TDbank has caused me to miss doses of a medication that I can't currently afford. 

I want this situation fixed ASAP, or I will consult a lawyer. 

FIX THIS, TD BANK.

Company response to consumer: Closed with monetary relief