Consumer complaint received 2016-06-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

PART 1, TO BE CONTINUED IN PART 2 : When I signed up at/with TD Bank I only physically signed one agreement that only stated and I agreed to that if my checking account was overdrafted after XXXX, of any given day of the week, I had until XXXX of the following day to bring my checking account current and out of its overdraft status or otherwise I would be charged and receive an overdraft fee of {$35.00} for each appropriate overdraft transaction in my checking account. Being a very low fixed income Social Security XXXX and SSI monthly recipient due to my XXXX and XXXX status, I found this arrangement within the only agreement that I signed with TD Bank to be a very excellent arrangement. Then one day, about a month ago, after XXXX, my TD Bank checking account went into an overdraft situation and as I regularly and normally did, I made a deposit into my TD Bank checking account before XXXX, which quickly brought my TD Bank checking account out of its overdraft status so I taught at the time that I had done what I had agreed to do with TD Bank as per the only agreement I signed with TD Bank. Then the following day, to my surprised I received an overdraft fee of {$35.00}, which shocked me greatly and then to add insult to injury, when I called customer service, I was told that the overdraft fee portion of the only agreement I ever signed with TD Bank, had been totally eliminated and changed. I was totally uninformed, unaware and clueless of the overwhelming overdraft related elimination and change that took place at/with TD Bank, in one very quick second, America 's Most Convenient Bank had become America 's Most Inconvenient Bank. The customer service representative quickly informed me that a TD Bank mass mailing of a date sensative letter had been mailed out to all of its customers, a letter which explained the overdraft related eliminate and change. A letter I was never sent or received so when the TD Bank customer service representative explained the entire situation to me and she reversed/refunded the {$35.00} overdraft fee to my TD Bank account, I informed her that I did n't like or accepted these unfair changes. To this day I still have't received the original or a copy of TD Vank 's so called mass mailing letter. I 'm still very disturbed about how TD Bank, had pulled the rug from right under my feet so I recently expressed my concerns to the XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I never signed anything stating I accepted, agreed with/to or honored that overdraft related eliminations and/or changes. Then last Friday, out of the blue, I received a surprising and much welcomed call from my local Congresswoman 's office and a highly powerful and profiled XXXX XXXX lawyer that had been forward my concerns, along with over XXXX other low fixed monthly income Social Security XXXX and XXXX recipients, that live all over the United States. To the lawyers surprise, we all shared XXXX thing in command, TD Bank 's totally uncivil, unfair, discriminating, while also taking total advantage of endless XXXX Americans and their families receiving very low fixed monthly income related direct deposits from Social Security XXXX, XXXX and/or their local state agencies. The lawyer informed me that XXXX other XXXX XXXX related law firms and his own personal XXXX XXXX related law firm were all going to team up to filing a class action lawsuit against TD Bank soon and that he would like for me to one of the many XXXX Americans and/or low income families that XXXX other partnering XXXX XXXX law firms together with his own personal XXXX XXXX law firm are going to be totally and fully representing in a US Federal court.