Consumer complaint received 2016-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hi, TD BANK FALSIFIED DOCUMENTS AND BANKING TRANSACTIONS IN ORDER TO PROFIT WHICH IS AGAINST THE LAW UNDER THE FCC LAWS. TD BANK CHARGED ME {$150.00} NSF FEES FOR A MISLEADING BANKING TRASACTION THAT TD BANK SAYS WAS {$250.00}, BUT THE TRANSACTION WAS ACTUALLY {$140.00}, THEREFORE TD BANK LIED IN ORDER TO PROFIT AND THEY MANIPULATED THEIR BANKING SYSTEM IN ORDER TO PROFIT BIG MONEY FROM LOW INCOME FOLKS LIKE ME FOR THE PAST YEAR. NOT ONLY DID THEY MANIPULATE THEIR BANKING SYSTEM BUT THEY ALSO COMINGLED THEIR FUNDS REPEATEDLY WITH MY ACCOUNT IN ORDER TO PROFIT. I HAVE REPEATEDLY REQUESTED FROM TD BANK TO SPEAK TO THEIR CEO, AND TD BANK DENIED ME THIS REQUEST. 
******TD BANK NEVER RESPONDED TO ME OR RESOLVED MY LAST COMPLAINT WITH CFPB AGAINST TD BANK. ******* TD BANK SHOULD BE SUED IN COURT AND FINED AGRESSIVELY FOR A COMPLETE REFUND TO ME FOR FRAUDENTLY COMINGLING FUNDS AND MANIPULATING THE BANKING SYSTEM. 
TD BANK FRAUDENTLY overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. First, They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions so that my account would incur NSF fees totaling {$150.00} which far exceed the amount of the total of my transactions which totaled {$30.00}. They also switched the amount owed from {$250.00} to {$150.00} to trick me, the account holder, into believing that I owe more to TD BANK when in fact I owed less. This is excessive behavior and abuse of power. I filled out paperwork for them to not approve any overdraft fee payments. TD BANK CONTINUED TO PAY THEM EVEN THOUGH I INFORMED THEM AND FILLED OUT PAPERWORK THAT I DO NOT WANT TO PAY IT. TD BANK LIED AND INFORMED ME THAT I FILLED OUT THE WRONG PAPER WORK, BUT THEY WERE THE ONES THAT GAVE ME THE PAPERWORK TO BEGIN WITH, SO THEY KNOWLINGLY GAVE ME THE WRONG PAPERWORK TO FILL OUT SO THAT I COULD INCUR MORE FEES WHICH IS A VIOLATION OF CFPB LAWS. They are trying to penalize me and charge me for overdraft protection that I never requested to begin with AND filled out an application stating that I DO NOT WANT THEM TO PAY IT. 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 TO PROFIT. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department / CEO because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if their Executive department / CEO found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$250.00} due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission. THESE EVENTS TOOK PLACE FROM XXXX XXXX, 2016 TO XXXX XXXX, 2016. 
Also, When you call their customer services reps, their reps do n't even understand their manipulative banking computer system because if you check each recorded phone call conversation that I MADE TO TD BANK, I HAD TO ASK FOR A SUPERVISOR BECAUSE THE BANKING CUSTOMER SERVICE REP WOULD SAY THEY DO NOT UNDERSTAND WHAT IS GOING ON WITH MY ACCOUNT.

Company response to consumer: Closed with explanation