Consumer complaint received 2016-08-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

I recently received {$100.00}, in unfair overdraft fees from TD Bank due to the fact that when I went to make a deposit at the XXXX XXXX, NY, TD Bank branch, that location 's ATM 's were both not working at all and because of my very painful left knee and right elbow, I just could n't walk or take public transportation to another branch ( please refer to the attached XXXX XXXX, NY, TD Bank ATM related pictures and medical documentation ). Also, to this date the all of the written information relating to the new overdraft related changes implemented by TD Bank, still have n't been delivered to me by email, USPS or any other type of mail delivery service. TD Bank has failed greatly to send me all of the new written information on TD Bank 's overdraft related changes and because of the lack of full knowledge regarding those same overdraft related changes, I continue to received unfair, non-merited, abusive overdraft & monthly account maintainance fees on my checking account. TD Bank has unfairly charged my checking account a grand total of {$480.00} to date, while at the same time they still have n't provided me with anything detailing or explaining 100 %, of all of their unexpected or unannounced overdraft related changes that TD Bank has so unfairly implemented on their XXXX and low income American customers. I do n't care if TD Bank explains to or sends me XXXX % or XXXX % or XXXX % or XXXX and a half %, of the facts/terms and conditions associated with the overdraft related changes because it was and still is my right as an American consumer, first and a TD Bank customer, second, to have all of TD Bank 's new overdraft related changes and associated facts explained to me 100 %, before they took full affect. What I ca n't fully understand or comprehend is that anytime, in the past, whenever I had an overdraft fee related problem or issue with TD Bank, their managers, supervisors or representatives from the President 's Executive Office to customer service, would always and endlessly quickly state the following to me ( this could be heard on every recorded conversation I ever had with anyone at TD Bank, TD Bank always and endlessly records all customer service related phone calls ), " Those were the overdraft fee terms and conditions you agreed to when you signed your agreement with us, at TD Bank. '' So now what, TD Bank no longer believes in that statement???? How can TD Bank endlessly use that same statement as part of their defense against my past overdraft related disputed fees and now, still charged me a total of {$480.00} in overdraft ( XXXX ) and monthly maintenance ( XXXX ) fees, when I have n't been sent or given 100 %, of all of the new information regarding all of TD Bank 's new overdraft fee related changes????? TD Bank 's own written, scripted and above referenced double standard overdraft fee related statement is totally an unprofessional, unfair, unacceptable and a conniving illegal business practice to criminally ripping off the XXXX and low income people of the United States!!!! In the past, before any new changes were made and implemented by TD Bank, when I had 100 %, knowledge of TD Bank 's old overdraft fees terms and conditions, TD Bank always used their above referenced overdraft fee related statement as a defense tactic whenever I disputed any unfair and conniving bank error related overdraft fees, that were charged to my checking account and now TD Bank is totally ignoring their own written, scripted and above referenced overdraft fee related statement and are now still charging me overdraft fees with them well knowing that I have n't received or been sent 100 %, of all of TD Bank 's new information regarding all new changes with TD Bank 's new overdraft fees terms and conditions. I 'm so glad that XXXX different XXXX XXXX Law Firm have and XXXX XXXX XXXX might, join forces as XXXX to file a class action against TD Bank, for same.