Consumer complaint received 2018-07-13
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was emailed and offered a data entry job that was supposed to be a stay at home job working on a company computer for XXXX XXXX XXXX from an XXXX XXXX XXXX. I was asked to interview and accept job offer via XXXX XXXX   to a XXXX. Upon reviewing job, interviewing and accepting he advised the finance dept. would be mailing me a check of {$4800.00} and i would use this to purchase materials such as a laptop, all in one printer/scanner, and the software needed for the at home position to set up a home office. I received the check and in it came an instruction sheet to email XXXX which is the ( finance dept ) and let them know i have received the check and send them a copy of the deposit slip. A few days later i went and deposited the check and the next day it was available. I thought to myself if this was a scam the check would have bounced and the bank would not make the funds available. I was wrong because the next day the funds were available. The " manager ' on XXXX hangouts then instructed me to buy XXXX gift cards with the money totalling {$2000.00} and send him a picture of the receipts and back of the cards. He said this would be the funds we would send to the vendor on XXXX so we could purchase the materials for work. He then instructed me that he wanted me to take out the remainder of the money and send it to another vendor for the software via XXXX to XXXX pay and this is the info he gave me. Sending to XXXX XXXX XXXX Tx XXXX via money in minute service. Then he told me this should ensure the equpiment for work would be sent out so I can start work soon. he said he was in a rush because he wanted me to start work ASAP. He then told me there was a problem and i needed to go get a refund for the XXXX pay and i did for the {$2000.00}. Then he tried to send me to places near my address to send the money a different way. I told him those stores do not offer any money services and the info he gave me was sending to XXXX XXXX XXXX XXXX XXXX XXXX .He then told me to use that money and purchase more XXXX  cards. Then with the remaining {$800.00} he told me to purchase another {$500.00} XXXX card and the rest was mine to keep as payment from the company. The next day i saw that my account was negative and called my bank to see why because i rarely ever let my account over draw, they explained it was because the check was returned. I explained to the person i was speaking to on the phone about what happened and she told me to file a police report. I did file a report and called the fraud dept from my bank and explained the situation and also that i had filed the police report. The woman advised me i was " definitely scammed '' and advised me the account is frozed due to the status. I asked how what we could do fix this problem because i dont have {$4800.00} laying around to pay the money back, the bank has basically took any of my own existing money in the account, i have no access to my account and i have bills i need to pay. The fraud dept. basically said they can not help me because they don't consider this to be fraud and that i can sign up for a payment plan to pay off my {$4800.00} balance on top of the returned check fee and over draft fee. They also advised if I do not pay this balance off in a certain amount of time it will be carged off adn affect my credit. I also recevied another check from " XXXX '' yesterday for {$5000.00} which i have not and will not deposit.When i reach out to XXXX via XXXX hangouts they adivse me they are contacting finance dept to see why the check was returned ( which i don't believe ) I also have photos of all gift cards and receipt, i was having trouble uploading them to this complaint.

Company response to consumer: Closed with explanation