Consumer complaint received 2019-03-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, I contacted TD in regards to a visit to the bank on XXXX. I came. I was taken for {$500.00} from fraud, you can review your cameras and seeing this transaction. I even asked if TD would look at the cameras for a picture and license tag number of the criminals, they stole every penny I had. As a result, I had scheduled for a payment to be debited from my account a few weeks ago and as a result of the theft, when the date came and the creditor debited the account, the account was charged a NSF, because all the money had been stolen. I explained what transpired to TD but no one would assist me. I understand the bank is not responsible for my money being stolen but the fee was charged as a result of the theft and when this transpired, I was so distraught that I didnt think to contact the company to stop the predated payment. I copied and pasted this email that was sent to the XXXX XXXX XXXX by mom to support what I am telling TD. I can provide a copy for the bank to support this transpired to me. I do have the conversation with XXXX which he agreed this was a scam a the money was stolen. 

Dear XXXX, I am 71 years of age and this man came to our home unexpectedly, along with two other men, he identified them as his family members and said that he, his brother and father were paving driveways for a good deal as they are trying to obtain more business. They told me they were licensed and insured and said his name was XXXX. 

I asked him several times for an estimate as he had free estimates on the truck. I also informed him that the XXXX cars in the driveway, the battery had to be charged so I could not move the cars. So, just leave the estimate. I told him, I did not have a lot to spend because he kept insisting about doing it then. I told him I loss my husband and son to XXXX and they are the ones who normally handles these things. He then says he loss XXXX or XXXX family members to XXXX. I told him I was sorry for his loss and again I said, just leave me an estimate and I will call you if interested. 

Well, he starts spraying something and reiterating he will pave for a cheap price. I said how much is this costing me? He finished spraying some substance and tells me he is not finish and he will come back it has to dry and he will pave tomorrow and if I pay him {$700.00} now, he would do the paving and provide an extra sealer on it. I told him, he did not do the job, nor did I ask him to spray whatever that was. He begged and told me he believes in XXXX, he has XXXX kids and if I could give him cash now instead of a check he would be giving me a better deal. 

He said he normally charges {$1200.00} while playing on the calculator, saying how good of a deal Im getting and reiterateing that I needed to pay him now cash and cash will lock in a good deal. I told him, thats too much and I do not have that kind of money, Im on a fixed income and I told him, I did not feel comfortable doing that and he pleaded and said he had children to feed, XXXX. He kept saying, XXXX XXXX fearing. He promised he would be back the next day in the morning and do a superb job. I have not seen him or the XXXX other guys anymore, this was on XXXX. 

My daughter went to the bank to cash the check as I am XXXX and can XXXX XXXX. She informed them that the bank was closed. They insisted and asked that she use the ATM. She is on a fixed income and gave them the {$500.00} out of her account at the bank. That was everything she has as she is on a fixed income as well. After that, they did not show up, my daughter said the bank TD Bank the address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, they had cameras and she knows that the vehicle and tag is on camera as they parked in front of the bank as she went in to try cash the check ( bank was closed ). I did not understand why he or the other XXXX did not want to cash the check and he and the other XXXX pleaded again and made up excuses, which now I know they are scammers and stole from me a senior citizen and my daughter. I asked for a receipt, which he gave me this wrinkled small piece of paper in which I questioned and he claim he would bring back a valid receipt the following day.

Company response to consumer: Closed with monetary relief