Consumer complaint received 2020-06-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX an unknown person used a fake ID and withdrew in person {$18000.00} from 4 separate accounts I hold at TD Bank during one teller transaction. The withdrawals were physically Made in XXXXTD Bank location address XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX. My address and bank location is in XXXX, Florida. 
I allege that the theft was an inside job. 
The routing for all The accounts is a Florida routing number : XXXX One withdrawal of {$3000.00} was taken from my personal checking account. 
3 withdrawals of {$5000.00} each were taken from 3 Florida business accounts I own. All accounts are linked. 
I live and bank in Florida. 
In total {$18000.00} in cash was handed to a fraudster who submitted 4 different withdrawal slips where none of the handwriting matched mine. The handwriting was sloppy and Looked like scribble. The signature was a forgery and clearly not mine ( as admitted by both my local branch CSR who knows me and the TD Bank fraud department ). 
The driver license number was written on the back of the deposit slip was presumably written by an employee at the XXXX TD Bank branch. My name was spelled wrong one of the withdrawal slips, my signature was obviously forged and didnt look like my signature at all. 
The TD Bank fraud department recommended I restrict all 6 of my TD accounts. Mind you, I called them while I noticed online that the charges were pending. They hadnt even posted yet. But because TD Bank Gave some fraudster {$18000.00} of my money from 4 different bank accounts the money was not available. It may not be returned until TD Banks internal investigation is complete which could take between 90 and 120 days. 
TD Bank talked me into restricting all my accounts, including 2 accounts that had not been defrauded and I agreed. Then the TD Bank fraud department told me by phone that I couldnt withdraw the money left in any of my accounts because they were restricted. 
My identity was stolen to the extent that TD Bank is responsible. On the same day I put a credit freeze with the 3 credit bureaus : XXXX, XXXX, XXXX. I was told to keep the 4 TD accounts that were stolen from open with their minimum balance or I may not receive my money. 

So if you have an account that was negligently managed by TD Bank and someone steals {$18000.00} from it, you apparently need to keep it open to get your money back. 
Ive had to borrow money to pay both my mortgage and business bills. 
There is so much wrong with this situation. 
1. TD Bank XXXX office at XXXX XXXX XXXX gave a person {$18000.00} in cash from 4 separate TD Bank accounts in CASH while accepting a fake, out-of-state identification. 
2. The FL drivers license TD wrote down on the back of the deposit slip had one the numbers wrong ; so it wouldnt have matched with my FL Driver License. 
3. The documents TD XXXX had clearly showed a fraudulent signature, my name was spelled wrong on one slip, and the handwriting was scribble that looked nothing like mine. I write in cursive as they taught in the XXXX. 
4. The amount part of the withdrawal slips were scribbled. 

TD Bank is negligent, Committed a felony, and bears liability and must be held responsible so that this negligence doesnt occur again.

Company response to consumer: Closed with monetary relief