Consumer complaint received 2018-01-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX, 2017 my debit card was denied for having insufficent funds. I thought there is no way. I had more than enough money to cover all purchases with {$140.00} left. I called TD bank the automated system told me my account was overdrawn by {$310.00} ( they had already took their fees of {$140.00} ) I coud n't understand why they did n't transfer funds from my savings account they were supposed to if ever my checking account was low. But they did n't. Instead they over drew my account. So I transfered {$300.00} from my savings into my checking. When I got home from work I called TD bank. I asked why did n't they transfer my funds like they were supposed to? I signed up for this when I opened the account. I was told I see you have the overdraft protection here they should n't have done that. He said May I out you on hold to find out what happened? He left me on hold for a long time when he came back he said oh no you dont have account protection that he had made a mistake. Sunday XXXX XXXX,2017 I went in to TD bank I asked why was n't I given a copy of all the papers I signed when I opened the account? I signed up for the overdraft protection plan where it transfers funds from your savings into your checking. And I was on the phone with customer service the manager asked me if I had a copy of that form I signed. When I opened the TD envelope of all the paperwork supposed to be my copies there was NOTHING there that I signed. He told me oh there wo n't be we do n't give customers copies of the papers they sign when they open an account with us. That is just information about your account. I recorded everything from BEFORE I stepped inside. I told him I want copies of everything I signed. He told me to have a seat. He then asked me why I wanted it. I told him. He printed out 3 pages I said where is the rest? I signed at least 20 papers when I opened the account. He said no this is all. We scan everything that you sign. And it shows you do n't have overdraft protection if you did they would have given you a copy of it when you signed it. I was furious. I said you just lied. You told me at the counter TD bank does n't give customers copies of what they sign when they open an account just account information. I said I am recording this ALL of. He did not ask me not to or ask me to stop recording. He then said what may have happend is when the account was opened the staff did n't scan alot of documents and put them in the back room in the file and that is why there not showing up in the system. He went to the back and left me waiting forever. He came then called me back to the counter he asked me to give him what he printed out for me. He wanted to see if what he gave me matches. I said why do n't you just bring those papers out front? He said that 's because I did n't find anything. I wanted to see what I gave to you incase I found something. They lied said I did n't have that extra protection I know I signed up for. They failed to transfer funds to my checking. In one week TD bank took from me {$240.00} and y account was never over drawn. I have all the screen shots of their lies. I also have the entire conversation from the bank that day. I need an email address to send over the documents and recording. TD bank is frauding customers. They do n't care because even though smacked with millions of dollar in Federal lawsuits to them it 's like a slap on the wrist and they continue. This time make it count.

Company response to consumer: Closed with monetary relief