Consumer complaint received 2016-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Under the intentional moves of fictitious overdraft fees without the account showing any negative amount balances and the negative cooperation to resolve all discrepancy issues by the TD Bank at XXXX XXXX XXXX, XXXX, NJ XXXX representatives, assistant manager, also store manager ; home branch for my account, where I was forced to present this complaint seeking for a fair resolution without the need of taking the problem to the higher law enforcement institution. I do understand the bank account terms, regulations and fees that are applied accordingly without the conditions that now are reflected since XXXX " OVERDRAFT Fees '' the ones provoked individually by a bank personal. As seen on the first evidence from the oldest date to the most resent, without any negative balances showing from the beginning date XXXX followed by deposits and withdraws without any negative balances as showing at the far right side of the overview statement where on the XXXX is a {$35.00} overdraft fee to a balance of {$220.00} follow by {$170.00} total fees on XXXX to a balance showing as {$450.00} provoking by the missing balance, a negative {$63.00} after the XXXX schedule debits for another {$70.00} overdraft fees that was reversed accepting the mistakes at the branch and trying to cover up an excuse to keep the {$170.00}, but not returning the prior unjustified fees of {$210.00} still missing at the present balance. Expecting a branch solution from the assistant manager : XXXX XXXX, who presented the issue to, I believe, the branch manager : XXXX XXXX without any positive result and followed by a chain reaction of more fees showing on evidences XXXX, XXXX, XXXX and XXXX for the fees total of : {$860.00} where I kept making deposits to maintain a positive account balance with the money I do not produce with my job, plus falling behind on my billing obligations due to this branch negligent where also the manager in question : XXXX XXXX who also likes to make moves with the given excuse of bringing the account holder attention under fictitious balance or false amount created on the account since a 2013 issue that provoking fraudulent duplicates to single deposit of {$2900.00} on a no funds check that was only to be returned, for a false amount by XXXX XXXX : creating intentionally a false negative balance of {$12000.00} on XXXX which is another unresolved old issue of another total of up to : {$210.00} that was followed by only a XXXX courtesy correction of only {$35.00} refunded, excuse to avoid accepting the wrong, as showing on XXXX of the evidences XXXX, XXXX and XXXX ; prior manager that have been removed or replaced today by XXXX XXXX XXXX who was supposedly to be contacted by XXXX XXXX, the last representative contacted about the {$170.00} case on a last attempt to peacefully seek for a solution to stop all the adding fees caused by the same missing {$170.00} that was refunded after the {$750.00} additional fees taken due to the time the wasted for this refund late correction and today keeps adding to a missing balance now of {$960.00} and growing, I got in contact with XXXX XXXX XXXX who also ignored by refusing to see the consequence that the delay for a solution that was created for the missing {$170.00} from XXXX to XXXX, for another bank personal that does not want to get back with a repaired result, time is running, plus I can not stop my payment obligations that are causing more fees!!! Hoping for fair result, I do offer my gratitude in advance ...

Company response to consumer: Closed with explanation