Consumer complaint received 2015-12-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

On several occasions in the past year TD Bank has erroneously deducted overdraft fees from my checking account. Ive disputed this with TD Bank and have been refunded a third of these fees. Ive suffered hardship and undue stress during these times. Last XXXX XXXX was the beginning of this nightmare which ruined XXXX for my XXXX children. On XXXX XXXX XXXX TD Bank allowed XXXX transactions from XXXX to be debited from my checking account which left me in the negative over {$700.00}! These transactions were not authorized to be debited and yet TD Bank still kept putting other transactions through while i disputed the unauthorized XXXX transactions. ( bill pay, and authorized transactions ) while my account was negative over {$700.00} until i had over {$220.00} in fees! I am XXXX single mother of XXXX on limited income from social Security XXXX and state pension. I did not get reimbursed until XXXX XXXX XXXX. Through this dispute TD Bank XXXX XXXX XXXX employees knew exactly what was done to the point that each side was directing as to what to say to the other - it seemed too shady. 
Since then TD CONTINUES to charge me fees illegally!!!! I could not figure out how i would make a withdrawal on Thursday and get a reciept showing the new balance that was not negative! Then about a week later recieve notice of that exact withdrawl stating i was charged {$35.00} for insufficient funds! I cash my TD bank account check right there at the branch yet somehow they post these transactions up to four days later in a sequence with four days worth of transactions in an order that shows multiple overdrafts and then charged multiple fees! When i dispute the fees and explain the checks were cashied at the branch which proves i had the funds available! TD Bank will then admit and aplogize for the error BUT WILL NOT REIMBURSE MY FEES CAUSED BY THIER ERROR BECAUSE THEY STATE THAT I HAVE ALREADY HAD TOO MANY FEES REFUNDED!!!! I remind them the fees already reimbursed were BANK ERROR! THIS IS A SCAM! THEY DO THIS TO XXXX, ELDERLY PEOPLE WHO GET THEIR GOVERNMENT CHECKS AUTOMATICALLY DEPOSITED! They know they will get the fees paid due to direct deposit & they also know that the elderly will not be able to figure out their confusing illegal practice of stealing money. Ive been without food for my kids for over a week on multiple occasions due to TD Banks predatory ways! They will send me on multiple phone calls & forms hoping i give up- then will deny my refund without a legit reason! They even direct me what to say to merchants to threaten the merchant such as : threaten merchant fraud to get the merchant to pay for TDs illegal practices. TD has a practice of posting transactions between XXXX and XXXX! Then will post the trsnsaction date ss the prior day! ThiThis to their advantage and very confusing to make a witgdrawal at XXXX because you check the balance in account first anf get reciept showing the withdrawal and new balance ( which of course has funds ) to wake up at XXXX and see XXXX fees! Totalling {$140.00} due to that withdrawl being posted at XXXX with multiple other transactions that apoarently TD saves to post on a date at XXXX on the XXXX but states it wad posted on the XXXX! The check i got directly deposited on the XXXX after XXXX does not read as posted until the XXXX!!!! I want my {$460.00} dispute on XXXX XXXX credited to my account! I gave all information requested to the point the merchant advised me to dispute the transaction with Td so they could reimburse me! I want all fees credited.