My experiences with TD Bank

19 Sep

Banks commit legal theft. If we didn’t have to rely so much on electronic transactions these days, I’d have so much more money. On September 7 my account was positive. All my outstanding debits were accounted for. Granted I only had five dollars after all the pending transactions, but it was still positive. On September 8 my account had a negative balance of $30. Why? A $35 overdraft fee? Why was I overdraft? Because they charged me a $35 overdraft fee. I’m literally only overdrawn because they charged me for being overdrawn even though the overdraft penalty is what made me overdrawn. But see, now those six pending debits were also each charged a $35 fee on September 9, so I then had – $240. So when I deposited $300 on September 11, I actually had only $60 since they stole $245 from me for charging me a fee for being charged that very same fee. I’d call them criminal, but they get away with it because America.

So that happened.  And then, what I’m dealing with now.

Tdbank does it again. Whenever I’ve deposited checks on Friday the funds have been available on Saturday. Yesterday I deposited a large check, which they gladly took. I was expecting the funds today. I promised to pay for the truck I was purchasing today. The funds were not available today. When I asked them why, they replied that the check needs extra verification because my deposits were not normally this large. I asked if they do this for all customers. They said no, only for customers who usually don’t have this much money. So they aren’t giving me my money because they assume since I’m usually poor, I must be doing something wrong. So now I have to explain this embarrassing situation to the truck owner who probably will think I’m stalling in paying him. So as I left the bank, I told them to Google my name and in classic Julia Roberts style, I said they made a big mistake and I’m sure Florence Savings will be happy to receive my future checks.

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