TD Bank review: worst customer service/inaccuracy in online banking ( 1 comment)

I've been banking with TD Bank for over 5 years. Back in October 2009, they had a system error which delayed transactions, direct deposits and especially, lack of customer service. I've been told the only branch to be helpful is the one you opened the account with which was Garden City. When I made the call and explained what the problem was, they insisted 'there is no system failure and we can not return the overdraft fees'. I had to physically walk into the Merrick Branch and explain to them the problem and with no hesitation, they returned all fees. Meanwhile I was there, I signed an opt-out form which basically says, 'you can't make transactions if the $ is not there and the card will be declined'. I felt that would be better to have so I can stay on top of what I have and don't have.
A couple days ago, I checked my online banking, as I do every day, and I was charged $210 in overdraft fees. Two days later, I was charged $70 in overdraft fees. After speaking with several representatives at my local branch, the only branch who can help me is Garden City. When I called Garden City and had the rep. take my info and # for the branch manager to call me, she asked what it was about. Tired of explaining to several representatives, I didn't want to explain it again knowing I would have to explain it to the manager when I get a returned call. Representative's response, 'then she may not even call you back'. Exactly that happened. The same rep. called me back and said 'they can't do anything about it because I had too many fees returned. I mostlikely knew she was referring to the fees during their 'system failure'.
Today, after reviewing my account and the fees taken on online banking, the fees didn't correspond with the negative balances after the transactions were in. They took more than they were suppose to. I made a call to the East Meadow Branch and she read off the transactions the fees reflect on, meanwhile my online banking is showing different.
HOW IS THIS ONLINE BANKING HELPFUL IF I CAN'T GO BY WHAT IT SAYS, BUT I HAVE TO GO BY IT WHEN THEY TELL ME TO SEE HOW THE TRANSACTIONS COME IN BEFORE MY DIRECT DEPOSIT DID AND THATS THE REASONS OF THE OVERDRAFT FEES? YET WHEN I WANT THEM TO EXPLAIN WHY THEY TOOK MORE $ THEN THEY SHOULD HAVE, THEY WANT TO TELL ME WHAT IS NOT SHOWING ONLINE.
Of course, after speaking with the rep., it was suggested to call the branch I opened in which is basically a dead end.