Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #5004674

Complaint Overview

Complaint ID: 5004674

Company: TD Bank US Holding Company

Product: Money transfer, virtual currency, or money service

Sub-Product: Mobile or digital wallet

Issue: Fraud or scam

State: New York

ZIP Code: 11209

Date Received: 2021-12-13T12:00:00-05:00

Date Sent to Company: 2021-12-13T12:00:00-05:00

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

This letter is to inform of the fraud that was committed on Friday, XX/XX/XXXX at approximately XXXX to XXXX PM. I received a call from TD Bank with the phone number XXXX, as I picked up the phone the woman who I thought was a representative asked if I was XXXX XXXX, & informed me that there have been some fraudulent charges on my debit card. She informed me that there was a charge of {$130.00} to XXXX, {$56.00} to a gas station, and various other charges that I did not recognize. At that time she thanked me for using TDs Voice recognition. She also asked me to verify my online banking username, which I gave her not knowing that my online banking would be locked. She informed me that the banking would be locked so that she can look into these fraudulent charges, she also asked me about charges that were actual at that time. Her demeanor and the way she articulated everything was exactly as other TD representatives lol have spoken to me in the past. After she said she was looking into these fraudulent charges she asked me if I authorized a pending transaction through XXXX of {$900.00} to which I said no. She sent me a text message ( that came through XXXX number XXXX ) with a verification passcode of six digits which I gave her at that time, after I gave her the verification number I was sent an email from XXXX ( please refer to screenshots ). When I received the email I said no I did not authorize this charge she then said that this charge would temporarily go through so that TD Bank can dispute it, she asked if I was OK with the charge going through so that the dispute can be processed to which I agreed as I was not aware of how the process of disputes go as far as XXXX, so I didnt know that at that time the money was taken out of my account, the whole time I was on the phone with her I did not have access to my online banking I also received an email saying that my username was being changed. Before getting off the phone I asked her for a case number which she gave me but of course it wasnt an actual case number, and when I was finally able to log into my online banking after resetting my password several times, I saw that the {$900.00} was taking out of my account. I called TD back to make sure that the case number was filed and the dispute was filed to which I was informed that the case number did not exist and that no one from TD had actually called me. At that time I filed my first dispute, the next day I submitted proof of the emails and text messages that were sent to me while I was on the phone with the hacker/scammer TD representative. My first dispute was denied and I submitted a second dispute with this letter as well as even more proof of the fraudulent phone call and scam.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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