TD Bank Bank Account Or Service Complaint

TD Bank Bank account or service department,

Checking account Problems caused by my funds being low New Jersey

On Friday, - -, 2015, I had a balance of - in my checking account with TD Bank. During the course of the weekend, there were - withdrawals made by me for $20.00 each ( total of $60.00 ) which were deducted immediately from my balance, leaving a balance of $84.00. On -, - -, 2015, a check from my insurance company was presented for payment to TD Bank in the amount of $660.00. This was submitted earlier than it should have been. Upon checking my account online on Monday morning, I discovered that TD Bank had charged me not only the $35.00 overdraft fee ( which I was willing to take responsibility for ), but - additional $35.00 charges for the - withdrawals made over the weekend, a total of $100.00. I contacted the manager at TD Bank. She explained to me that even though the withdrawals were made over the weekend AND they were immediately deducted from my balance AND they were made before the insurance check was submitted for payment, the insurance check is processed - because they go from largest to smallest. As a result, the debits were deemed insufficient funds and I was charged the


continued to process things through my account, - and - times, continuously charging a fee every time. I am a - - mother, supporting my household on my own. I did not have the additional $100.00 to deposit into my account. I explained this to the manager who could have cared less. To me $100.00 is a lot to come up with. I subsequently did not use the account after that time. From the beginning of the initial overdraft, TD Bank has charged me $260.00 in overdraft charges. I am now receiving letters threatening a collection action if I do n't pay the negative balance of - $360.00. I have had this type of problem before with TD Bank and it was resolved in my favor. I have not been a customer of TD Bank for a few years and recently went back because my pay check is drawn on that bank and I was being charged $7.00 every time I wanted to cash my check.