Checking or savings account -- Managing an account -- Complaint #5230273
Complaint Overview
Complaint ID: 5230273
Company: TD Bank US Holding Company
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem accessing account
State: New York
ZIP Code: 10573
Date Received: 2022-02-16T12:00:00-05:00
Date Sent to Company: 2022-02-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/22, I received an identity verification transaction alert from my XXXX monitoring service. I called XXXX who then told me that fraudulent bank accounts were opened in my name with TD bank. I called the TD Bank Fraud line to alert them of the fraud. They told me they closed the accounts. I contacted the FTC to file an identity theft report. As a part of the identity theft recovery process, I requested a letter from TD Bank to state the following : the fraudulent account was not mine, I am not liable for the account, and it was removed from my credit report. They denied my request for this letter even though I went in person with all my identifiable information and IDs. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that they provide me with copies of business records relating to the fraudulent account identified above. The law directs that they provide these documents at no charge and without requiring a subpoena, within 30 days of receipt of my request. Without the above mentioned information, I am unable to file a police report without the evidence of fraud that they have in TD Bank system due to TD " bank policy ''. They are actually breaking the law by not giving me this information. I need the police report to report this to SSA and the FTC.
Frequently Asked Questions
What is Complaint #5230273 about?
Complaint #5230273 was filed against TD Bank US Holding Company regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-02-16T12:00:00-05:00.
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.