TD Bank Bank Account Or Service Complaint

TD Bank Bank account or service department,

Checking account Deposits and withdrawals New York

I had posted an ad to sell my car. I received a check which included a fee for movers to take the car. I went to the bank after the funds were made available and withdrew the money. After i had done so, i met with the movers who took the car to their location and gave them the money. The next day I went to the bank and asked them if everything was okay with the check as well as my account which they reassured me did not have any issues. I told them the situation and tried to close out my account but was advised otherwise because my direct deposits from work would not be processed. The next day, I went to check my account only to find out that the check was returned and marked as a fraudulent check. I am out of a car and $3000.00 in debt. No one had helped me resolve the situation or to reach a solution and did not even consider the fact that I am a - who supports herself and lives paycheck by paycheck. Why would a bank make funds available out of convenience if the customer does not have the funds to back it up? Out of convenience for the customer who has been a member of the bank for years, why would they not verify checks before making funds available? Why is it when I had told a bank investigator, I am being told that the bank has taken a loss of $3000.00 while i had also taken a loss for $3000.00 as well as a car? Why do banks have protection against fraudulent checks and not the customers who are loyal members and trust the banks?