TD Bank Bank Account Or Service Complaint

TD Bank Bank account or service department,

Checking account Problems caused by my funds being low Maryland

-/-/15 - TD Bank assessed a $35.00 OD Paid fee due to PENDING debits reducing my balance to less than what was available for items posting. TD 's response " While you are not charged an overdraft fee for a pending authorization, even if it brings your balance negative, the authorized funds are deducted from your available funds. '' It seems that the consumer IS being charged for pending transactions. Technically those funds should still be available for use for other transactions since the merchant has not sent it through for payment and IF when those pending items come to post in the future they THEN should be assessed fees should funds be unavailable.I was told it was assessed to a $10.00 transfer to my other TD Bank account I share with my son. -/-/- Same scenario. A $5.00 pending transaction and a recurring - transaction that brought the account over by - CENTS ( additional debit card transactions totaling $10.00 over drafted the account further, even though the - online statement shows my ending balance being - $5.00 ).


and that SAME $5.00 - that was pending on -/-/-, and - - $1.00 gas authorizations - I immediately deposited $20.00 at the branch and transferred $14.00 from my other accounts to cover these items before they posted and over-drafted. I contacted the bank and told that II was charged an OD Paid fee for the - transaction according to TD banks representative which brought my negative balance to $45.00 approximately. -/-/- - In reviewing my account this morning, I see that due to TD bank assessing the OD Paid fee, my deposits were wiped out and I have been assessed yet ANOTHER OD Paid fee for the $10.00 - charge - even though I took measures to ensure it was covered. I have requested from the bank the $100.00 in fees be refunded as the information that I see online is inconsistent with the information they communicate AFTER they 're assessed the fee. They have refused. Also, they are charging fees based on the deduction of PENDING charges - money that has NOT been paid out to the merchant. I did not want to take these drastic measures for fear of them closing my account, but I feel I have no choice as the customer service representatives obviously simply do not care.