Hi, TD BANK fraudulently charged {$200.00} NSF fees when I had enough money in my account to cover debits. I had a balance of credit - {$220.00}, I had a debit come in for {$220.00}. Td bank held the debit until another item came in to purposely have my account overdraw with not enough funds to pay the big debit of {$220.00}. This is illegal. They are trying to use the excessive overdraft fees to finance their bank and profit. ( PLEASE SEE MY BANK STATEMENT BELOW OF PROOF OF ABUSE OF EXCESSIVELY CHARGING OVERDRAFT FEES BELOW, WHEN I HAD ALOT OF CREDITS THAT WOULD HAVE COVERED MY DEBITS, BUT THEY KEEP OVERDRAFTING MY ACCOUNT WITH THEIR FEES. ). Td bank overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. AND, THEY KEEP CHANGING THEIR POLICY DAILY WITHOUT INFORMING CUSTOMERS. FIRST THEY SAID THAT I WOULD N'T BE CHARGED AN NSF FEE BECAUSE I ELECTED TO NOT HAVE ANY DEBITS IF THERE ARE NO FUNDS IN MY ACCOUNT. NOW THEIR LIEING AND SAYING THAT THEY NEVER SAID THAT ). NOW THEIR SAYING EVEN IF THEY RETURN AN ITEM BECAUSE I ELECTED THEM NOT TO PAY IT, THEY STILL CHARGING ME {$35.00} FOR EACH ITEM. THIS IS EXCESSIVE ABUSE AND MANIPULATION OF A CUSTOMERS ACCOUNT. ). They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions for 5 days to the Monday morning processing ( AND ITS NOT SUPPOSED TO BE PROCESSED TO MONDAY NIGHT ) so that my account would incur NSF fees totaling {$200.00} which far exceed the amount of the total of my transactions which totaled, This is excessive behavior and abuse of power. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if your Executive department found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$600.00} since I opened the account due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission. 

SEE BELOW PROOF - TD BANK Description Debit Credit XXXX/XXXX/2016 CREDIT ONEMAINFINANCIAL LOAN PAYMT {$220.00} XXXX/XXXX/2016 FEE OVERDRAFT RET View Details XXXX ; Go paper free and get notices online only XXXX Setup balance alerts {$35.00} XXXX/XXXX/2016 DIRECTDEBIT XXXX PAYMENT {$30.00} XXXX/XXXX/2016 DIRECTDEBIT XXXX LOAN PAYMT {$220.00} XXXX/XXXX/2016 DIRECTDEBIT XXXX {$25.00} XXXX/XXXX/2016 CREDIT ATM CASH DEPOSIT XXXX XXXX XXXX XXXX XXXX * XXXX {$20.00} XXXX/XXXX/2016 DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$10.00} XXXX/XXXX/2016 DEBIT CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$25.00} XXXX/XXXX/2016 FEE MAINTENANCE FEE {$5.00} XXXX/XXXX/2016 DEBIT DEBIT {$77.00} XXXX/XXXX/2016 DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$10.00} XXXX/XXXX/2016 CREDIT XXXX PAYMENT {$25.00} XXXX/XXXX/2016 FEE OVERDRAFT RET View Details {$35.00} XXXX/XXXX/2016 CREDIT XXXX ACH PMT {$59.00} XXXX/XXXX/2016 CREDIT ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$20.00} XXXX/XXXX/2016 CREDIT ATM CASH DEPOSIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$320.00} XXXX/XXXX/2016 DIRECTDEBIT XXXX PAYMENT {$25.00} XXXX/XXXX/2016 CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$73.00} XXXX/XXXX/2016 DIRECTDEP XXXX