My problems started immediately after T D took over Commerce Bank. I had written 2 checks, one for $600, the other for $235. I had $820 in my account and my ex husband was depositing an additional 300 in the next day. I understand that I was short $15, but figure my ex's deposit would be there before the checks were. Well, I come to find out 2 days later thta the checks came in the following day and the deposit was not made until the day after. Even though I clearly had enough in my account for the $235 check, the bank returned both of them. When I called I was told that I needed to have enough for both and because I didn't they returned them both. That was the beginning, then in August I noticed miscellaneous charges on my statement because I was very ill at the time, I decided to email and call customer service.I informed them of the amounts of the charges and the fact that I never authorized for the charges to be made against my account in the first place.They never removed them and have continued each month charging my account. Then on Sept.30, 2009 they notified me that they returned a check that I wrote out, which I promptly paid the company out of pocket (it was my cable company).Imagine how shocked I was when on October 30, 2009 the bank removed the same amount of that check $385 because they made a mistake. They never informed me that they would be doing this or that they made a mistake in the first place. They just removed the money from my account making everything else get messed up until I saw what they did. I started looking more closely at my account and have found that in excess of $500 has been charged to my account for " returned check charges" when no check is presented for payment. They also continue to charge me constantly for the unauthorized charges. The best part of it all is that they will charge me a bounced check charge, even though there is NO check, then charge me a overdraft charge of $70( I do not have overdraft protection) because they pay themselves the return check charge. What a hoot !! This is a bank we are talking about, not some husssler on the street corner. I have filed charges with the NY Banking Commission and hope to rectify this situation and stop them from doing this to anyone else. I happen to be a disabled mother of 3 and am having a hard enough time trying to make ends meet without having my bank, excuse my language, screw me. Whatever you do think long and hard before you put your trust in T D Bank. Regis Philbin is WRONG !

On Friday September 25, 2009 I arrived at the gas station at about 8:30 AM purchased $s40.00 dollars in gas my direct deposit usually hits the bank by 6:00am.This gas station wasn't been remodled so the employee went to the office to get authorion but the card was declined 3 times, request another form of payment had none advised me that if this is not cleared up he would have to call the police.After being on the phone for an hour the authorization finally went thru.I was unable to view my account or speak to a representative.So I went to the bankd on Sunday Septemeber 27, 2009 spoke to a young lady at the counter since I was unable to view my account and transaction on the ATM.She advised me that I had no pending authorization and my balance was $354.00 I then paid to bills totaling $216.00 today October 03, 2009 I received a letter saying my account is over draft by $254.00.At this time still unable to speak to a representative or view on line.Will visit the bank on Sunday October 04, 2009 hoping the employee I spoke to is there.This is the worst bank ever not to be able to view or speak to a representative for more then a week and for them just to send a letter telling you your account is over draft when you physically spoke to a rep at the bank whom advised you that this is how much money you have in your account.