TD Bank
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TD BANK; Lisa Holland, Donna Maiorino, Peter Del Bianco, Christine Richmond Hodges DO YOU THINK YOU WANT TO DO BUSINESS WITH TD BANK?

The following complaint No. 1354599 was filed with the Comptroller of the Currency.

I opened this account on the first day the Bank came to my area in 2002. It was a DBA account. A new Manager named Donna Maiorino came to the Bank a few years later. About 3 years ago I encountered a situation where they would no longer allow me to cash checks against my account because it was a business account. There was not a lot of checks. This apparently was started by this Manager. These checks were not made out to the business name but to me personally. I know that a check made out to a business has to be deposited. Every other bank that I have asked has said a personal check is no problem. At the time I contacted the Bank's Chairman's office. It was Commerce Bank at that time. Everyone that I spoke to at the headquarters did not see any reason why I could not cash such a check. Their Deposit Account Agreement says they will cash checks against the account. This situation was temporarily resolved when the Bank put a notation on my account stating that I should be able to cash these checks.
I was then able to cash checks for an extended period although I had to call tellers' attention to the notation a couple of times. At the beginning of this year I began having the same problem. The Manager again said that she did not want me to cash these checks so I spoke to a Vice President named Lisa Holland. She said the same thing that everyone in administration did that cashing them should not be a problem. There were very few checks. The vast majority of these checks were very small and there was only one that I got regularly every month and this was under $10.00 The headquarters emailed the Manager about the situation. She sent an email back stating that the only way that the checks would not be cashed was if I did not have enough funds to cover them. A copy was sent to me. The issue of sufficient funds was never raised relating to this situation. The only issue was cashing personal checks against a business account. Was she now denying that this ever happened? In the meantime all the tellers at the local branches were not accepting these checks from customers to cash. Is it possible that she did not want to put it in writing for some reason? Ms Holland then put a notation on my account that I could cash these checks. This concluded this episode.
I continued to cash the checks until October 6. There were some instances where I had to call the tellers' attention to the notation. On this day the teller said she could not cash them against a business account. I told her to check the notation. She said she was going to ask the same Manager. She said the Manager said that I could not cash it. I then called Lisa Holland who previously put on the notation. I got her secretary and left a message. The Manager Donna called later. She said the way it was left off last time was that I needed to open a personal account to cash checks. I told her that this was not the way it was left off and a notation was put on that I could cash them. She also made statements such as there were government regulations against cashing them. I said I was going to call Ms. Holland. I called and left her a voice mail message. An hour or so later the Manager called me back again and said that she spoke to Ms. Holland. She said they decided to close the Account. This was after Ms. Holland put on the notation the last time that I spoke to her. I then called the Chairman's help line at the Bank headquarters and spoke to Christine Richmond-Hodges. She seemed concerned and asked if I would be at my number the next morning. She also confirmed seeing Ms. Holland’s previous notation on the account at that time. She said that she was going to contact Ms. Holland. to see what was going on. The next day neither Ms. Holland or Ms. Richmond called back. In late afternoon I received a call from Peter Del Bianco. I believe he is the Regional Manager. He was the only one that agreed with the Manager the previous time about the check cashing.. He apparently has a close working relationship with her. He said they were sticking to their position and I could not open an account at any TD Bank. I tried to tell him that there appeared to be a communication problem in that they did not give me any notice since the notation was put on but he cut me off. When I asked if I could say something he said “no”. I do not know why the other two people who previously attempted to help never called back. He apparently is the person who handles “these things”. Do they think they are not a part of it if they do not call back? Shortly before Mr. Del Bianco's call I spoke to the Manager of the Medford Branch which is a couple of miles down the road. He said that there was no problem cashing these types of checks. I then went down and cashed the two checks in question totaling about $15.00. (On previous occasions this Branch also refused to cash these checks.)

1. The Account Agreement says that they will cash checks against the account. I think only a regulation would justify them not doing this. I do not think all other banks would be cashing them if there was such a regulation. All the local branch tellers are saying they do not cash them but when you speak to anyone in administration they deny that this is the policy.. Even the Manager in question put in her email that this was not the policy. Is it possible that no one wants to put it in writing? When they put the notation on my account they knew that the Manager was still engaging in the same procedure.

2. I was given no notice about any change of policy as far as the notation that was put on my account before they closed the account. The last thing that happened was that the VP put on the notation that I could cash them. They are now saying that I cannot open an account at any TD Bank I wrote a certified letter to this manager on 10/12 asking why I was not given any notice about a policy change and did not receive an answer. Copies were sent to Ms. Holland and Ms. Richmond who also did not reply.

Lisa Holland responded to the above complaint for TD Bank to The Comptroller of the Currency: She did not even mention the issue of cashing personal checks against a business account.
She stated that the customer was continuously trying to cash checks with insufficient funds in the account to cover the checks. She said I continued to argue the issue with the Manager and she even spoke to me about it. Is this the standard cover story?
My response was:

Dear Sirs:

I recently received the undated reply from TD Bank. Are they saying that the whole thing never happened? Do they not want to admit doing it?

This was not about sufficient funds but that they would not cash this type of check against a business account.. Every teller in this area can verify it as can the customers who were subjected to it. As stated the majority of checks were under ten dollars and there was not a lot of checks. It was not worth doing several transactions for a few dollars. The last incident involved two checks totaling about $15.00. There was about $1000.00 in available funds at the time and they would not cash them. All this is verifiable from account records and phone records. This documents that the incident happened about refusing to cash checks with sufficient funds. I have had accounts for over forty years and know you generally need sufficient funds to cash checks. I have also never run into this. In the last conversation with Del Bianco he said Lisa Howland extended you a courtesy with these checks but they would not continue to do so. He said they would not cash checks against a business account. He also said “you do not want to open the appropriate type of account”. Ms Holland stated they never allowed me to cash checks against insufficient funds. He said nothing about insufficient funds. This conversation is on my answering machine tape if anyone wants to hear it. I would hope an unresponsive letter would not prevent the appropriate follow up from being taken.
. . 1. With respect to the question of cashing checks with insufficient funds: Is this their standard cover story? In the 8 years that I had the account I remember about 4 or 5 incidents of asking to cash checks against insufficient funds. In just about every incident they cashed them. There were no arguments about it. Phone records would show that the only time that I spoke to Lisa Holland was in early 2010. This was when she put the notation on the account as verified by her secretarie's voice mail mentioned below. There are no other phone records documenting that she spoke to me .

2. When the Bank first opened I recall that it was the policy to cash checks without sufficient funds to cover them.

3. Why did this happen when I unsuccessfully tried to cash $15, 00 in checks with $1000.00 in available funds in the account? This is in the Bank and phone records This shows it was not about insufficient funds . 4. As stated I regularly get only one check under $10.00 and would not have checks to cash against insufficient funds.There would be records of such checks somewhere and there is not. My records would show I get no such checks. It would be an isolated incident. . 5. I found an additional voice mail message from 3/10 in which Ms. Holland's secretary Danielle states that she checked and confirmed that Ms. Holland's notation is on the account and that I should have no trouble cashing checks against the account in the future. This recording is available.

Lisa Holland then replied to my response again saying we declined to cash checks in cases where the customer did not have sufficient funds. She said it was “meaningless” at this point to debate whether I had sufficient funds on “a particular day”. If this “particular day” is when the last incident happened causing them to close the account it shows what this was about. It shows insufficient funds was not the issue. She said they consider the matter closed. She made no mention of the recorded phone conversation. . If they subject the customer to a procedure that they will not admit to, is this a good indication that the customer is justified in protesting it? If they simply said this is our policy that would have been the end of it. If a Bank has officers and managers who just make up anything that they feel like saying, mistreat customers, and then lie to government agencies; how many customers would want to do business with this Bank? Would I be justified in thinking that I had good reason to get away from the “world's most convenient bank” long before this based on what was going on? If customers tried to cash such a check against a business account they could not. But if they call the main office or even the branch they would say no problem and deny the procedure exists.

The Comptroller of The Currency said it does not have judicial power to enforce or interpret private agreements and the customer would need to get an attorney. There was no request to hear the available recordings. These are still available. I assume copies of the case documents could be gotten from the Comptroller of the Currency. I did not see this as a contract dispute but a question of how this Bank treats customers, if they lie to government. agencies.and if they subject customers to an abusive procedure that they will not admit to and then lie about it.

TD Bank is horrible. I have had problems with overdraft fees in the past but this should be illegal. A check was deducted from my account twice and TD will not reimburse all the subsequent overdraft fees. They blamed it on my bookkeeping.

i see a pregnant woman that works there that she looks like shes almost going into labor and the bosses there treat her so bad I dont undertand why. I guess they dont know how hard is to be 9 months pregnant. I was in that bank today 08/23/11 and I heard her say she was having contractions and still the managers there wanted to do the work normal they are so cruel there wow. I am a man and I feel so bad about her because I saw how bad my wife was when she was 9 months pregnant. I just wish thoses managers there get what they deserved for being like this

I been with TD for almost a year now, i have not made any purchases; only deposit(s). i'm a student and i don't have a decent job whatsoever. the reason im posting this complaint was that when i first came in the flushing branch on main street on a sunday 7/10/11and i started making a deposit of 200 at an ATM and i forgot to use the enelvope. So i talk to the nearest banker and told her that i wanted to start over with my deposit because i was afraid it wouldn't go through; she had told me that i donot need to worry because they might check it afterwards. So then on i went into my account and i see that there is something wrong with the balance. I called TD (1-800)# customer service and told them that there was an error to my account. the reason i hadn't checked it sooner was that i didn't think i had to check the balance; until i pulled up to find my account # so i can have my father deposit his money. so back to the conversation with the customer service; they told me to talk to the branch that i made a deposit it too. It was frustrating that i called them and told them the exact same thing. when they pulled up my account; they went to find the statements for the past 10 minutes. the woman told me that they had shown a file stating that they only recover 5 20's which is a hundred and she repeatly said that for a hundred times and i was mad and i just didn't want to hear her excuses cause she sound like a broken record. i couldn't find a way to get it back because i hung up on her and i'm planning on finding a supervisor because they are not much help to me

The other day i visited a TD bank with my bucket of pocket change that me and my son saved up so i can teach him to save. As we went to the coin machine and started the process like ive done plenty of time in the past-guessing how much we had etc. The machine had NO volume and was dimly lite but ive done this a lot of times -got my receipt and went to the teller. The teller then throws at me if i have an account and i say no -THEN he hits me with theres a 3% charge to use the machine? Are you kidding? The teller says then open an account-i say no-then hes like well then i guess youll be paying the 3%. Thats some customer service they got, there was NO signs or anything saying about this fee and when i asked for a manager he told me it started in feb. He to then tried to get me to open an account and again i told them NO.This a great way to teach my son how clueless big companies are when it comes to customers. I did at one time consider opening an account but not anymore. They take your change and wrap it up and use it when deli owners come in, laundromat owners, etc come in so there not losing.So i thank TD for disgraceful practices

I deposited $400.00 cash today Aug 9, 2011. When I got my receipt back, it says in the printout, $200.00. So, I had to pull my car back, , it was a drive thru as it was past 5pm. When I told this guy, George, he insisted I gave only $200.00. I had to fight to get them to check again my deposit slip. Only then did they try to investigate my claim. What if I didn't insist and fight, I would have lost my precious $200.00. Now, when I asked for the name of the guy, , they, vehemently hesitated. Obviously this guy George didn't count the money and the other guy Anthony tried to shrugged it off as a no big deal, , , or was it an attempt to cover up a gross negligence. Or was it intentional or just being human, making big mistake. How about his, (George's) insistence that I only gave $200.00? Don't they count the money before declaring how much the amount? I was on the losing end here, feeling helpless when he insisted it was only 200.00 Finally they corrected my receipt but not after almosst having a heart attack and spending lots of my adrenaline.

I've attempted to close an account at TD Bank 2 times now. I've even gone into the bank and had a manager process the request to close the account to finalize the separation of assets between me and my ex-husband. Apparently, they didn't properly close the account and when all of my ex-husbands bill pays came through TD allowed the account to be over drawn (because it was at $0.00--because they did find a way to transfer the balance out) and then not only did they charge me over draft fees but the cost of those bills! What a terrible bank--they cannot even close an account and as a special treat they won't acknowledge any fault but rather they are trying to send me a bill. This bank is now nearly on par as being as bad as Bank of America.

On June 24, 2011, I requested a 2-month deferment on my consumer loan (automobile) due to temporary economic hardship as a result of unemployment. Informed that unemployment is NOT AN ACCEPTABLE HARDSHIP, and that I am ineligible for assistance because part or all of my income comes from public assistance in the form of unemployment claim benefits. A bit ironic since I believe that "America's Most Convenient Bank" benefited from public assistance in the form of the federal bailout funds.

I wrote a check to pay my Visa Bill for $1000 from my TD bank checking account. TD bank paid out $2000 instead of one thousand dollars claiming my "1" looked like a "2" even though the amount of the check was clearly written out One and zero one thousand dollars. They charged me $85 dollars in overdraft fees. They admitted it was their mistake and refunded the fees but we still don't have our thousand dollars back in our checking account and cannot pay our bills this week because of it. I thought the bank was supposed to protect your money, not steal it. If someone stole $1000 from me I could call the police and charge them with theft, can I do the same with a bank or can they just steal money from people using stupid excuses? Stay away from TD bank if you don't want your money stolen. I am transferring all to a credit union this week and will never use a bank again.

I was recently married and my wife and I, both account holders at TD bank went to a local branch to add her to my account. We had proper I.D. and a copy of our marriage certificate with us. We were not trying to take anything from the bank, we were merely trying to add my wife to my checking account. We got an attitude from the customer service girl who informed us the her "back office" would not approve adding my wife to the account since the marriage certificate contained her maiden name and her driver's license has her previous married name. Please note the the SS # on both are the same and Social Security changed her name with no hassle at all. I asked this young woman if she knew of any other cases in America where women were married more than once and she didn't seem to get the logic, I informed her that she should consider that we were not so clever criminals who were trying to put money into the bank instead of taking money out. She again didn't get it. We left the bank disgusted. I called their customer service line and all I got offered there was the location of another branch to try ! America's most convenient bank? B.S.

I have a savings account on TD Bank in a joint account with my kids for several years. As costumer I inquire about personal checking account. The fees and charges to use and keep such account were to excessive that I decided not to open that checking account. After 3 weeks I got a statement that such account was opened without my consent, no down-payment deposit, neither signatures accepting that account was done, and already with some charges for low balance and maintenance. This is unacceptable.

I have worked in multiple help desks (Call Center's) throughout the years. I must say that the TD Bank help desk is no worse then any of the other call centers I've personally worked at. Which isn't a good thing. However, before stating my complaint I will say that my complaint itself isn't necessarily the actually representatives that answer the phone or the mangers. They were very professional and not rude what so ever as I have seen in some of the complaints on here. They also did an excellent job of verifying who I was, before providing me any information about my account. I would have to complain instead that it is a top down issue with training representatives.

I say this because upon calling the the 800 number you get different answers from different representatives and I have yet to receive an answer to my question I was calling in regards to. So now on to my complaint.

My debit card has been cancelled for a second time. I was attempting to purchase study materials from a website for a certification test that I am required to pass by June 30th. I originally attempted to make the purchase last month. While attempting to process the transaction I got that my card was declined. I didn't think to much of it as I had been making multiple online purchases and figured maybe it was some type of protection for my account in case someone was using my card to purchase things and wasn't me.

I waited a few days thinking maybe they would call and confirm if I was making the purchases which used to occur when they were still Commerce Bank. This did not occur but my card continued to be declined when I attempted to use it at restaurants and corner stores. I then decided to attempt a TD Bank ATM to withdraw money, at this point I was notified that an Unauthorized transaction was attempted so I went to my "Home" TD BANK.

They were very friendly and professional there as well. They notified me that my card had been cancelled due to online gambling. I asked them if they were able to let me know what website I may have visited that was falsely identified as online gambling. The Representative there told me they could not see this but that they could issue me a new card. While waiting for my new card to be issued they asked what websites I had visited I told them and he agreed that non of those sites had anything to do with online gambling.

At this point my concern was growing that maybe someone was using my card number for online gambling. I asked him if there was a point of contact would could verify this for me. He said that I could call Customer Support and ask to be transferred to a fraud department. Upon calling there help desk and asking to talk to a fraud department I was told that there was no other department I could talk to. I thanked them for there assistance and continued about my business. After talking to all these individuals who could not identify what website I went to that caused this issue, that I would continue my purchases with my new card. I assumed this as I also so nothing negative in my history on the tdbank.com website or in my statements for last month.

I attempted to make the purchase for my study materials for my Microsoft certification test once again. The card was declined. I had a sneaking suspicion that this must be the website that set this whole chain of events off. I again attempted to make another purchase after this one and it went through without being decline. I assumed an error must have occurred on that website and waited a few days. My card again started being decline making purchases everywhere.

I contacted customer support again this morning. The person I spoke with was again very professional and not rude what so ever. However, they were again unable to assist me with my inquiry for speaking with a fraud department or whoever manages the identification of online gambling websites. I was simply told there is no type of dept such as this although I would assume on the backend of TD Bank some type of IT or IA dept would be managing this. The reason I assume this is because I work in an IT Dept and I do something similar to block people from accessing gaming and gambling sites on our network.

I was told that no such Dept exists to speak to and that I am no longer eligible to hold a checking card for my bank account. Now, I can appreciate there positions of not allowing online gambling use of cards, despite all the complaints I saw about this on google when searching for information about my issue. To be honest I couldn't care less about the ability to use my card for online gambling however, I believe there should be some department to speak to if you find a website that is being falsely identified as online gambling so that TD Bank can correct the issue on there end.

So in closing I will say again I am not upset about the lack of knowledge of this issue with the help desk as I have run into this issue with help desk's I have been a representative in or that I have managed. I just believe there should be some type of higher tier I could talk to regarding this issue whose job it would be to know as the lower level analysts within there help desk shouldn't even be dealing with these types of issues.

Just wish I could get his fixed not just for me but for anyone else who may run into this problem in the future, with other websites that are not online gambling but being identified as such.

I've been a TD customer for only six months but I've already learned the hard way that their negative reputation is completely deserved. After a recent experience, I've come to learn a few things about doing business with this company:

My complaint stems from an experience where the TD website and the mobile app on my phone showed me DIFFERENT, inaccurate available fund balances. This resulted in nearly $200 in overdraft fees on a purchase amounting to less than $30. Knowing that the checking account I wanted to use was low, I even transferred funds from one of my other accounts to cover my butt. Turns out, due to the conflicting info I was getting from the site and app, I didn't transfer enough. My account was $2 and change short of what I needed. That's right, $2 off = $200 in fees.

My calls to two different customer service reps plus a supervisor amounted to nothing. They explained to me that the app and website are not meant to be used as primary banking tools and that it is the customer's responsibility to verify the accuracy of the information they present. Apparently mobile banking in 2011 is very different with TD than any other bank I have accounts with. The customer service reps are trained not to budge, they would not waive the fees even though I explained that I did in fact have the needed funds and would transfer them right away. Not even as a one time courtesy. (I don't think I was asking much.) When I explained to the supervisor that I was considering closing my TD account and moving these funds to my other bank, the response was, "OK, that's your choice."

Scan the comments for yourself. This bank will take you for any dollar they can and provide really shoddy services. Do not bank with TD. They do not care about their customers!

When I first opened my account here, (when it was still Commerce Bank) one of the questions I asked the rep was "What is the procedure for closing an account?" She replied that it was simple- just draw all remaining funds from an account and it closes automatically.

Two weeks later it was TD Bank. The problems begin.

Two years and an unbelieveable number of problems later, I finally decided I'd had enough of TD's unfair fees, phony overdrafts and disappearing money, so I drew all funds from my checking and savings and moved to PNC.

A few months later, I get a letter stating that I owe them over $300 in account charges. I called and demanded an explanation, and I was told that my accounts were NOT closed and that I was being charged for having insufficient funds. I told her that the woman who opened my accounts in the first place explained to me that withdrawing all funds closed the accounts automatically. I was told that the rep had been wrong and that this was MY problem!

I told them that as THEIR employee had misinformed ME about their procedure, I would not be paying them any more fees.

Now I'm getting letters and calls from the collection company they turned me over to! These ### are unbelieveable. Worst bank I have ever had the misfortune of dealing with.

This is the second time TD Bank has lost a deposit of mine in less than 3 months! The first was a cash deposit handed to a teller. I later checked my account online and I was not reflected. I called the bank they claimed they had no record of it, so I marched right in there with my receipt and it took them 3 days to credit my account.
The second incident was a large deposit at an ATM, I kept my receipt and it was reflected at least for that day as a deposit. I later checked and somehow it is now listed as a DEBIT! I am now on my way over to the branch with my receipt to complain. They have never apologized to me for these serious oversights and I intend to file a criminal report. This goes beyond incompetence!

I've been reading a lot of the complaints listed on here and see that 9 times out of 10 some random login will turn it around and blame it on the customer. Here is a situation I challenge anyone to say is my fault or a lack of responsibility on my part... instead of another example of poor business practices by TD Bank.

I have been a customer of TD Bank since Jan 11 and will be closing my account after my deposit clears and my account is reconciled. I have had numerous issues with this bank but the one that tips the iceberg is as follows. On a Monday evening, I used the ATM to deposit a government-issues child support check (the same exact check I deposit to the same exact branch every month at the same day/time). I deposit the check and within 1-3 business days the check clears so no one needs to explain pending transactions to me. Here is where the issue comes in. I have not used my account waiting for the check to clear (day one they release $100 and hold the other $700 until the check has been verified)... so usually I just don't touch my account until the deposit is shown as cleared which I did this time. Woke up this morning to find that my account was showing no pending transactions and my available balance the amount of the check and proceeded to pay my bills online. Everything was fine until I go to use my debit card for lunch and it is declined... why? Because TD Bank has arbitrarily decided to put an extended hold on the check AFTER it had already listed it as cleared. At this point, not even the first hundred is showing as available (which coincidentally will make anything that comes in from the bills I paid overdraw my account). I spent over an hour on the phone being switched from person to person to figure out what could be done to fix this since it was clearly an issue TD Bank caused. In the end I was lectured about pending transaction times... to which I clearly stated I understand that but if my account is showing that my deposit had cleared and 100% of my money is available... that is not an issue of not waiting out the hold check time. She then told me that the system changes over in the night so there will be fluctations in balances (ummm... from a check cleared to not cleared... umm that's a bit more than a fluctuation... and basically you are telling me not to trust the information the bank gives me). Next, I was told that my check had cleared but then was put on an extended hold by this mysterious "back office" as I'd never made an ATM deposit before... I stated to the Bank Manager (because I'd progressed that high at that point) that I was looking at my statements which clearly showed that I had made previous ATM deposits so again why was this check being held for this reason. After I pointed this out the woman got really nasty and said she wasn't going to argue with me. It wasn't an argument when the bank is holding my money for wrong reasons. She then refers me to some supervisor at another bank branch. I express to this woman... I'm not upset about the time it takes for my deposit to clear, I understand holds but what concerns me is that my account showed everything cleared with no pending transactions so I went ahead and paid bills... now I'm facing overdraft fees if the deposit is not removed from this hold before they come in... and no one has addressed this. To which she replied... well, it will be fine. Like I had no reason to be concerned. She then cut me off by saying is there anything else she could help me with today... I laughed and told her since she hadn't helped in the first place... no. So that wasn't very polite but after 60+ minutes on the phone being treated like I was stupid or wrong... I'd had enough. I should also point out that I wasn't even expecting the check to clear until tomorrow so never would have paid these bills had my account not stated that the checks had cleared. And because of the past inconsistencies in clearing times... I had no reason to suspect that this would happen.

Why did they not put a note on my account to not charge fees or return my payments should they come in because this was a bank "glitch"? Why did they not release my funds or say they'd release them by COB? How hard is it to verify a government-issued check?

I'll be switching banks because like I said this is the last straw in a long line of issues I've had with TD Bank. I will also ensure that EVERYONE I know knows about this to ensure no one makes the mistake of banking at TD Bank.

They REALLY need to get a better system. First off, I have not once overdrawn my account. I am fully aware of their fees and am always very careful when spending on tight budgets and checking my balances. Yesterday morning, it said I have a current balance of sixteen dollars and some, available balance of twelve. My school allows me to take out increments of five so I did that. I only got five bucks. The receipt said my remaining available balance was 7. This morning, I come to find that I am 3 dollars and 50 cents overdrawn. A small purchase of four dollars was cleared from a few days ago. But I was wondering how I overdrew? It said my balance after the 5 dollar withdrawal was ONE DOLLAR. THE DAMN BANK AND ATM LIED TO ME. It's either a bank error or they gave me the wrong balance through a crappy ATM.

I had to abandoned my TD bank account because I was a victim of fraud, A false check was given to me then bounced, The bank said it was my fault the check bounced, that I should have known it was a fake check.15$ They wanted..in the mean time as they took back the check amount I began to get hit with over draft fees, I went to the bank within the time limit and covered everything, Checked the next day and again the account was fine.5 days later they hit my account with 4 overdraft fees...it then begins to snowball..and two days later my entire account is swallowed up by the instant 35$ overdraft fees from their 'Predatory" software which auto automatically takes it out..

So much money was negative that my next pay check would be completely swallowed up .I augured that I was the victim of fraud, and they were punishing the victim, they said we are not but pay the fees anyway..but i cant.

They agreed to take away 2 of the fees, I said ok how about the two that started the snowball effect, they said no just two fees that's it..

I told them my only choice is to abandoned the account, If i put my check in now I wont eat for two weeks.they said ok nice knowing you...we got lots of customers one less doesn't make a difference.

So we all are victims of predatory software by banks and no-one is out there trying to help us not one politician, nobody...

They froze my account to where I could not write checks, for something I did not do.
Sounds like a law suit to me.
Back Off!