Checking or savings account -- Opening an account -- Complaint #5004689
Complaint Overview
Complaint ID: 5004689
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: Maryland
ZIP Code: 21702
Date Received: 2021-12-13T12:00:00-05:00
Date Sent to Company: 2021-12-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB XXXX, I would like to file a new complaint ( previous was XXXX - CFPB - XXXX ) regarding suspicious business practices I encountered regarding TD Bank about a year ago when an unauthorized account was fraudulently created under my name ( and SSN ) online. While my bank account has since been closed, there is clearly suspicious activity and identify theft happening, and it concerns me that TD Bank has simply closed my account without any further investigation. Here is a brief outline of events : XX/XX/XXXX I learned an account with TD Bank was opened online in my name/SSN using benefits paid out by the State of Arizona XX/XX/XXXX I was informed that my unauthorized account was closed and to contact the Corporate XXXX if I had further concerns ( XXXX - CFPB - XXXX ) XX/XX/XXXX I communicated with the Corporate XXXX and learned that the account was opened using XXXX transfers in a name that was NOT even mine The most concerning part is that an account was created under my SSN using XXXX transactions that were not in my name. At this point, Im also suspicious as to whether the AZ XXXX benefits are somehow tied to my name and wonder if there is potential for deeper fraud than what TD Bank is stating. I can provide the correspondence ( emails ) with TD Bank the way was handled from allowing the account to be created in the first place to simply closing the account when there is clearly identify theft seems very negligent on TD Banks part.
Frequently Asked Questions
What is Complaint #5004689 about?
Complaint #5004689 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 2021-12-13T12:00:00-05:00.
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.