Checking or savings account -- Managing an account -- Complaint #8119770
Complaint Overview
Complaint ID: 8119770
Company: TD Bank US Holding Company
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: New York
ZIP Code: 128XX
Date Received: 2024-01-06T12:00:00-05:00
Date Sent to Company: 2024-01-06T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I received a fraud alert text message which I responded no to. I was then contacted by someone from a TD bank number according to my caller id and went through steps canceling my compromised card being instructed on how the funds were going to transferred for safety ( through XXXX XXXX ) and in XXXX separate transactions a total of {$1400.00} was taken from my account. ( {$700.00} and {$750.00} ) as this was happening I realized that this was an unusual way to correct the problem and when I stated it to the caller was promptly hung up on. I was admittedly distracted by a task I was doing and just following the instructions of the caller which I thought was from TD bank on a routine call. After they hung up, with in XXXX seconds contacted my bank to report the incident and a dispute was filed. This was on a Saturday. On Tuesday ( it was a holiday weekend ) I went directly to the bank, opened a new bank account, and was informed that TD would be monitoring the compromised account for XXXX days. Was informed that the scammers had accessed my bank account and changed my password That Wednesday my account was credited with a provisional credit. Approximately XXXX weeks later the provisional credit was rescinded and when I contacted the bank they informed me that they concluded there was no fraud because I authorized the transaction where my money was stolen. I then opened another dispute on the fraud and included proof of the text fraud alerts, the incoming calls from the scammer alleging they were calling from TD bank, the transactions that transferred the funds to XXXX separate XXXX XXXX accounts and the proof that those funds with immediately transferred out of XXXX XXXX to some unknown account. All of which I provided to the bank, both directly by physically giving them a copy and by faxing a copy of this information. Once again they denied my claim that this was fraud and rescinded the provisional credit. At this point I was so angry and frustrated I did not attempt to argue with the bank because clearly they were not in agreement with me that I had been the victim of a fraud scam. Last night on XXXX XXXX XXXX I watched a segment that highlighted a person that was scammed in the exact same way that I had been and reasserted my options, which said to file a dispute with you
Frequently Asked Questions
What is Complaint #8119770 about?
Complaint #8119770 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 2024-01-06T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with 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.