Consumer complaint received 2015-04-26
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
RE : XXXX XXXX MD-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau, CFPB : I am writing the CFPB in reference to fraudulent unauthorized activity on an account I opened with TD, XXXX, bank to politely accommodate a problematic section XXXX tenant, XXXX XXXX XXXX XXXX. 

I walked into the TD bank ( located at XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX, phone : XXXX ) on XXXX XXXX, XXXX to inquire about delinquent accounts with amounts {$130.00} and {$62.00} which were reported to the XXXX. I was unaware of such accounts until XXXX XXXX, XXXX when I walked into a branch bank Police XXXX ( located at XXXX XXXX XXXX XXXX, Pa XXXX, Phone : XXXX ), to obtain a banking account and I was declined because of adverse Reporting of FRAUDULENT accounts to the XXXX. These accounts being:1. TD bank South Carolina : On XXXX XXXX, XXXX, I opened a TD Bank account ( located at XXXX XXXX XXXX XXXX XXXX South Carolina XXXX ) because I travel often, and I had TD certified bank checks that needed depositing ( void after XXXX days ). The TD checks were rental checks in the amount of ( XXXX-check number XXXX and $ XXXX-check number XXXX ). The problematic section XXXX tenant, XXXX XXXX XXXX XXXX, refused to resubmit payment amounts after informing her XXXX her TD bank did not honor their own Bank certified checks. The bank claimed the funds were returned to her account once voided, if not deposited within 90 days. 

This resulted in UNPAID PORTION OF SECTION XXXX RENT FOR XXXX XXXX {$70.00}, and UNPAID PORTION OF RENT FOR XXXX XXXX {$210.00}. XXXX XXXX, tenant paid {$34.00} instead of {$70.00} citing she had to purchase " insecticide, weed wacker, and ant baits '', and she subtracted her purchase from Section XXXX mandated amount of {$70.00} for the month of XXXX XXXX. She refused to pay XXXX XXXX rental portion {$210.00}. She is a problematic tenant, files false police reports, is a false witness, and well known throughout the lawyer judge judicial system assembly. This problematic section XXXX tenant, XXXX XXXX XXXX XXXX is DELUSIONAL and wanted to dictate when I deposit MY MONEY. 

Again, TD bank branch in XXXX South Carolina would not honor their own TD bank certified checks. 

2. TD bank New Jersey : I attempted to deposit the checks XXXX again after diligently attempting to advise problematic section XXXX tenant, XXXX XXXX XXXX XXXX, to resubmit rental payments ; however, she believed she could live at property : XXXX XXXX XXXX XXXX, New Jersey XXXX free from XXXX XXXX, XXXX ( partial payment XXXX XXXX in amount of {$150.00} ) through XXXX XXXX. On XXXX XXXX, XXXX, I entered TD bank ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX via TD bank employee XXXX XXXX Phone : XXXX ), and the branch would not honor it 's very own TD bank checks. 

3. Property XXXX XXXX XXXX XXXX New Jersey XXXX : The security deposit paid by the state of XXXX totaled {$1800.00} and I deposited these funds into a high yield interest bearing account at XXXX XXXX XXXX. I attempted on several occasions to provide name and address of account information to problematic section XXXX tenant, XXXX XXXX XXXX XXXX, along with CASH annual interest payments and she refused ( I HAVE VIDEO FOOTAGE ). 


The TD bank account was closed once the balance EQUALED XXXX. I ensured the TD bank account closed without any issues, and I resolved any issues with the account after I walked into the TD bank branch ( located at XXXX New Jersey XXXX ) to close the TD bank account. Again, the TD bank account closed with a XXXX BALANCE. I was surprised to discover on XXXX XXXX, XXXX, delinquent and fraudulent account amounts : {$130.00} and {$62.00} WHICH I HAD NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation