Checking or savings account -- Opening an account -- Complaint #4425248
Complaint Overview
Complaint ID: 4425248
Company: TD Bank US Holding Company
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened as a result of fraud
State: New York
ZIP Code: 11563
Date Received: 2021-06-02T12:00:00-05:00
Date Sent to Company: 2021-06-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On or around XX/XX/2021, I became a victim of identity theft when an account was opened at TD Bank. I received a written notification in the mail that the account was opened. I subsequently visited the nearest TD branch to have the account closed ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) on or about XX/XX/2021. Thereafter I received a statement and decided to visit the branch again. On XX/XX/2021, I visited the location for a second time because of my concern. The account was opened with my personal details and I wanted to know what that information was. XXXX at the branch helped me and verified my identity using my driver 's license. I requested the application to review what information was collected but I was told by XXXX, who called TD 's Fraud line, at the XXXX XXXX location that because the account was opened online they would not share the account opening information with me. XXXX did let me know to open an account online, TD requires the customer name, ssn, address, and dob. The customer then needs to visit a branch to fund the account and provide ID and a signature card. After XXXX reviewed the account she said there was no signature card available for the account. She also said the account was likely funded electronically and not at a branch. It's distressing enough to be a victim of identity but it doesn't seem TD was vigilant enough and it was concerning that the application wasn't shared with me and that there was no signature card on file.
Frequently Asked Questions
What is Complaint #4425248 about?
Complaint #4425248 was filed against TD Bank US Holding Company regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2021-06-02T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against TD Bank US Holding Company?
Yes, visit the TD Bank US Holding Company company profile at readthecomplaint.com/company/td-bank-us-holding-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.