Checking or savings account -- Problem caused by your funds being low -- Complaint #4761390
Complaint Overview
Complaint ID: 4761390
Company: TD Bank US Holding Company
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-Issue: Non-sufficient funds and associated fees
State: Pennsylvania
ZIP Code: 19149
Date Received: 2021-09-28T12:00:00-05:00
Date Sent to Company: 2021-09-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/21, I received a phone call with the ID as " TD BANK '', and the number was the exact number on the back of my debit card. I was on the way home from a 12 hour shift and was mentally exhausted ( I work in XXXX XXXX ), and was told there was money being stolen out of my account through XXXX on my mobile app as several bank transfers. I immediately started to panic because I struggle financially and can't afford fraud. I was suspicious off the bat, however the fact that the phone number was literally the number on my debit card, I thought that it was trustworthy ( plus I'm supposed to have some sort of fraud protection right? ). So I approved the transaction while the woman from the " bank '' was on the phone with me and walked me through what I thought was denying the transaction, but turned out to be approving it. The money totaled {$2500.00}, which put my account into the negative by {$1100.00}. I went to the bank a week later to check on the " claim '', and was told that there was no claim and that it was fraudulent. The bank then told me to wait from the fraud department to handle it and call me. This ended up taking weeks until I was finally denied my claim on XX/XX/21, and then again on XX/XX/21 with the same reasoning. I now just received a phone call from TD telling me that I am now in collections for that XXXX, despite the fact that this money was taken from me, and I have called their fraud department upwards of 10 times and waited on hold for over an hour multiple times. I do not have the money to pay this, as all my money was just stolen, and the bank has cleaned their hands of this entirely. I am practically begging for some sort of assistance, so I would really appreciate a call back asap. Thank you so much for your time and help P.S. I do have documents from the bank to explain this, however it has much personal information on it and the directions here explain not to share that, so I will wait for some sort of contact first.
Frequently Asked Questions
What is Complaint #4761390 about?
Complaint #4761390 was filed against TD Bank US Holding Company regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2021-09-28T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with explanation". 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.