TD Bank Bank Account Or Service Complaint

TD Bank Bank account or service department,

Checking account Deposits and withdrawals Pennsylvania

I am writing to inform you of my suspicion that TD Bank is using fraudulent/ deceptive business practices which allows them to collect nsf fees that are not rightfully owed. I 've tried to discuss this issue with TD bank several times and they are not willing to discuss this matter. I always check my account before I go to sleep and wake up the next morning. Yesterday I looked at my account and it said I was $33.00 overdrawn as a result of a - purchase I am on installment payments for. I screenshot the page. This was around -. TD 's policy is that you will not be charged a fee if you deposit the negative funds the day the transaction is made. I deposited $40.00 in my account on -/-/15 and had a $3.00 balance after the - purchase posted. Sometime during the overnight of -, TD bank went into my account and changed the transaction date to show that the - purchase was presented for payment on -, which is a banking holiday as no transactions post on Sundays. In my screenshot, you will clearly see that the $40.00 deposit was made the same date of


of - overdraft fees. I am certain that TD bank is changing the dates payments are posted during the overnight while bank customers are sleeping so that they can charge NSF fees. By my estimations, I have spend over $1000.00 in 2015 for this reason alone. I explained to the customer service rep that I did not overdraw my account and relied on my bank records to be accurate and I was basically called a liar in so many words. Please assist me as I am certain that there are many other customers who can not afford to continue giving a - dollar industry more money as a result of their fraudulent practices.