Consumer complaint received 2022-12-27
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the morning of XX/XX/XXXX, my phone rang at XXXXXXXX XXXX, i received a phone call from a man representing himself to be a Level 3 Fraud Investagor with XXXX  XXXX XXXX He told me that the branch I had always banked at was under investigation because two of the employees were suspected of selling account information and that my account was one of the ones that had been targeted. He told me that if I did not follow his directions, then he would have no choice but to close the case file, let the FTC XXXX fines and penalties against me. He was not kind when speaking to me. That was the first threat. I withdrew {$15000.00} to pay movers and packers to help me move. How did he know I had done that. The next phone call was that I had to withdraw ANOTHER {$15000.00} to make the first withdrawal a total of {$30000.00}. He told me exactly what to do and what to say, not to make eye contact with any one just complete the transaction. He threatened me by telling me I was being watched and they would know where to find me. That was the second threat. My phone rang all the time and at one point, I had to pull into a parking lot where he continued to bully me by calling me slow and stupid. He kept berating me for the next 4 days. The deposits continued into the same " dummy account '' XXXX XXXX XXXX XXXX All the money was deposited into that account using the same account number and routing number. This person had me running back and forth berating me and harrassing me. Those are bullying tactics as well as threats. The final transaction was. a withdrawal in the amount of {>= $1,000,000} one half of which was at the XXXX  XXXX XXXX and the other half was to TD Bank at XXXX XXXX XXXX and continued on with the harrassment. The bank tellers words were " you know that once this money is deposited it will be gone ''. What is a person to do under the threat of having their money drained, fines levied against me and that I was being watched? I did as I was told. I was afraid. On XX/XX/XXXX, XXXX XXXX with XXXX XXXX XXXX  came to my house, explaing to me what happened and I fell apart. A police report was was filed ( 2 times ), with the promise that a detective would be in contact with me. He never did and when I called him, he told me he had tried to call me several times in XXXX. That is not true. My phone has been working all that time. I still believed I was being watched and I am still afraid. When I callled the TD Bank 's Fraud department, the gentleman told me he " pitied me '' ( his words, not mine ) Those words did nothing for my self esteem. I wrote a letter to TD Bank asking them to return those funds, I went back to the branch and spoke to a very nice young lady who tried to explain the issues. All I wanted to ask was for her to fax the letter to the corporate offices which she did. I have been told the following : I made the withdrawals ( under the guise of threats, bullying and harrassment, Some of the dumbest things that have been said is to hire an attorney. I have no money to hire one. Post my story on Social media and some one may feel sorry for me and perhaps donate money to my cause. That is ridiculous. The words I pity you will remain with me forever. I do not want pity, I want action. I want to be able to provide all the documention I had written down while being bullied and treatned.

Company response to consumer: Closed with explanation