ChairmansServiceCenter@td.com Customer.Support@Td.Com OD FEES FOUR DAYS AFTER THEY CLEARED PENDING STATUS AND BALANCE REMAINED POSITIVE $2.28 ALL PROCESSED ON THE SAME DAY!!! MARCH 31, 2017 Cherry Hill New Jersey

02-27-2017 AND 04-05-2017

Subject: OD FEES FOUR DAYS AFTER THEY CLEARED PENDING STATUS AND BALANCE REMAINED POSITIVE $2.28 ALL PROCESSED ON THE SAME DAY!!! MARCH 31, 2017

I WANT MY MONEY BACK ($140) absent any more surprise fees.  INCLUDING THE $140 YOU TOOK LAST MONTH UNDER THE SAME CIRCUMSTANCES !!!  POSITIVE BALANCE OF $1.49 FEBRUARY 27, 2017.

COPIES OF BALANCE ON FRIDAY ATTACHED FOR BOTH – 4 DAYS LATER SUDDENLY THE BANK HAS STOLEN $140 BOTH TIMES.

FILED A COMPLAINT WITH PEOPLECLAIM AND BANK FAILED AND/OR REFUSED TO RESPOND.

Recycling Deposits now instead of transactions, reporting this to FDIC

 On February 23rd I had some pay pal transactions go into my pending balance so I immediately made a deposit on same day of $80 leaving my balance at $1.49. FOUR DAYS later on 2/27 I went to bank to deposit $45 only to find that my balance is now negative $140 for overdraft fees “after deposit” on transactions that never over drafted!!! They posted the deposit last – so back to recycling fees I guess, thought class action suit put a stop to that nonsense? And why four days later? I had a positive balance of $1.49 for four days and ALL transactions had cleared. Nothing was pending, simply a balance of $1.49. I feel these fees are unjust and outright thievery. Andy at the Seabrook NH office is extremely rude to me, more than once and I refuse to deal with him any further. These charges need to be refunded to my account. Technically, I made a deposit that same day so I should not have been charged any fees whatsoever as my receipt and online account showed a positive balance of $1.49 after all transactions cleared, then they change it 4 days later? That manager in Seabrook is out to get me.. Your customer service seems to have their hands tied when it comes to forgiveness which leaves me no choice but to contact my governor, attorney general, insurance commissioner, local newspaper, hank Philippe Ryan, face book and anyone else that will listen.

AGAIN YOU DID THIS APRIL 4^TH IN THE SAME AMOUNT $140 AGAIN!!

ALL TRANSACTIONS WERE IN PROCESSING ON THE SAME DAY – NO OVERDRAFT FEES SHOULD HAVE BEEN CHARGED.

If everything is pending on the same date and clears with a positive balance, how can they come back four (4) days later and take fees for overdrafts that never happened?

I am on SSDI for PTSD, Anxiety/Depression, RA, and COPD so when I am hospitalized over the stress this has caused I will make this as public as humanly possible. What a disgrace :(

Unable to resolve this or get my money back from the Seabrook Office - I need Upper management to understand that I cannot afford to lose this much money living alone and on SSI.

The bank was never out any money but I sure am.

You help TIF families but not the disabled? I cannot afford to lose this excessive amount of money. And the Rude Manager at Seabrook says you need to make more money!!!!! I can’t work; I have Rheumatoid Arthritis and Psoriatic Arthritis in both hands, feet and hips, PTSD, COPD, Anxiety and Depression. How ignorant IS HE!

I found a Class Action lawsuit against the bank (BigClassAction.com) for this recycling behavior (now they recycle deposits instead of transactions) and I will file a complaint to get another class action started to end this nonsense.  Again, all transactions happened on the same day!  Bank never put out any money.

Since I had a positive balance after everything cleared for 4 days (both times) what else could it be but recycling of the deposits?

I thought the bank stopped doing, guess not? I will also be contacting headquarters in NJ and someone "will" provide me with some satisfactory customer service. I NEED MY MONEY BACK

I know several other people who are dealing with this and many are very unhappy with this banks OD methods.

Candice C,  "Ripped Off for $280.00 in 2 months"

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