Consumer complaint received 2021-09-03
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX the XXXX 2021 I opned a new checking account with Td bank XXXX XXXX XXXX  in XXXX XXXX, Delaware. On XXXX the XXXX 2021 I received a fraud alert to my cell phone regarding several charges that clearly were not made by myself, hence the alert. I immediately called the number provided and spoke to a manager because i was mortified that this could happen in less than 24 hours. I had just the day before deposited {$600.00} in to this account the day before and now I am being charged by companies in New Jesrsey and California. I was assured by this so called manager that I spoke to on the XXXX of XX/XX/2021 that the card was turned off and that my {$260.00} would be immediately refunded. {$190.00} company in california that they alerted to and a {$1.00} charge in new jersey and {$60.00} charge in new jersey for XXXX. ( i havent had cable in 12 years ). I was told to go back to the branch and receive my new atm card but I decided not to bother until I had to cash my salary payroll check on the XXXX of XXXX. I cashed my {$1200.00} payroll chech and placed {$800.00} into my checking account and was told my balance was {$1000.00} which sounded right because I made a payment of {$190.00} on the XXXX when I deposited the {$600.00} initial deposit upon opening this account and on the XXXX I deposited {$800.00} more and made another {$190.00} payment to XXXX XXXX. THESE WERE THE ONLY 2 DEBITS THAT MADE ON MY CARD EVER SINCE OPENING THIS ACCOUNT. Well upon my visit on the XXXX when i made my 2nd deposit I was instructed to pick my atm card up via the drive thru window which seemed odd to me but they said it was cause of covid so I did so because i had my {$190.00} car payment to make so really had no choice but when I attempted to check my balance using that atm card issued the day before I couldent access my account info so I called the XXXX number FOR THE EIGHTH TIME BECAUSE THRU ALL THIS TIME I WAS NEVER ABLE TO ACCESS ONLINE BANKING and on that call is when I learned that the dispute on the XXXX was never done, and that my account balance was {$48.00}!!! I also learned that there were hundreds of dollars in transactions made but yet the card never worked and I never bothered for 2 weeks to attempt to get a replacement card, I just the day before deposited {$800.00} and now my account was {$48.00}???? This is crazy and I was mortified. I attempted to file disputes on that call and was told after filing them that she was denying the disputes cause all the charges were made in delaware BUT NONE WERE MADE IN DELAWARE AND NONE BY ME. I WAS UNDER THE IMPRESSION THAT I HAD NO CARD AND THE ONLY PEOPLE WHO EVEN KNEW I OPENED AN ACCOUNT WITH TD BANK IS ME AND THE 2 PEOPLE WORKING AT TD!!!!!! They have stolen nearly {$1400.00} from me and it was just that STOLEN. I went to take my lousy {$48.00} i was told in that 20 mins it took to hang up with td and get to the bank I only had {$28.00} left and NO ATM CARD NO CHECKS NO WAY TO ACCESS THIS MONEY, MY MONEY BUT TD FOUND A WAY AND TOOK IT. I NEED HELP BECAUSE THIS IS ACTION BEING DONE AT THE HANDS OF THE TELLERS AT THE BANK BECAUSE I HAVENT HAD ACCESS TO MY ATM CARDS OR MY MONEY AND THEY ARE CALLING ME WITH FRAUD ALERTS AND THEN DOING NOTHING, SAYING THEY ARE DOING THE DISPUTE AND DONT SAYING THEY TURN MY ATM CARD OFF AND DONT, TAKING SEVERAL HUNDRED FOR OVERDRAFT FEES FOR PURCHASES i HAVENT MADE AND HAVE NO WAY OF MAKING BUT TD HAS AND THEY HAVE BEEN LETTING FRAUDULENT TRANSACTIONS OCCUR KNOWING THEY WERE FRAUD BECAUSE THEY TOLD ME VIA THE FRAUD ALERTS TO WHICH I IMMEDIATEY RESPONDED BY CALLING AND THEY NEVER FOLLOWED THRU ON TAKING THE STEPS THEY WERE SUPPOSED TO TAKE TO PROTECT ME AND MY MONEY MAKING MATTERS WORSE THEY ARE TAKING SEVERAL HUNDRED DOLLARS FOR TD THEMSELF FOR OVERDRAFT FEES!!! PLEASE HELP ME, I AM NOT RESPOCIBLE FOR THESE CHARGES, THESE OVERDRAFT FEES OR ANY CHARGES OTHER THAN MY TWO PAYMENT OF {$190.00}. AND SOME CHANGE ON THE XXXX AND XXXX OF XXXX. I AM A SINGLE GRANDMOTHER TRYING TO RAISE MY 7 MONTH OLD GRANDSON ALONE AND I CAN NOT AFFORD TO HAVE OVER A THOUSAND DOLLARS STOLEN FROM ME BY MY OWN BANK AND OR THE PEOPLE THAT WORK FOR TD AND THAT IS WHATS HAPPENED TO ME. I just called right before filing this complaint anmd they are claiming that I am another {$73.00} overdrawn yet I again have had no card and no checks to take money from my accoun and make ay purchases!!! NO WAY TO TAKE ANY ACTION OF ANY KIND TO THIS ACCOUNT AND I TOOK THE SUPPOSED LAST {$28.00} THAT THEY CLAIM I HAD LEFT LAST SATURDAY SO HOW AM I ONCE AGAIN SUPPOSED TO BE OVERDRAWN AGAIN WITH NO WAY TO ACCESS THIS ACCOUNT AND NO WAY TO MAKE ANY PURCHASES???? AGAIN, i AM BEGGING YOU TO HELP ME. I AM GOING TO LOSE MY HOME AND CAR OVER THESE FELONIOUS ACTS OF THEFT BEING COMMITED AGAINST ME. SOMEONE HAS GOT TO INVESTIGATE INSIDE THIS BANK AND GET THIS THIEVERY STOPPED BECAUSE NOT ONLY CAN I NOT AFFORD THIS BUT MANY OTHERS ARE LIVING PAYCHECK TO PAYCHECK JUST LIKE ME SO THEY CANT AFFORD THIS EITHER!! PLEASE HELP ME RECOVER ALL MY MONEY EXCEPT FOR THE 2 CHARGES THAT ARE HONESTLY AND RIGHTFULLY MY PURCHASES/PAYMENT MADE BY MYSELF TO XXXX  XXXX IN XXXX. I can be reached via cell at XXXX XXXX XXXX XXXX and at work at XXXX XXXX XXXX XXXX or by my email at work at XXXX XXXX

Company response to consumer: Closed with explanation