Consumer complaint received 2022-04-07
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I met XXXX XXXX XXXX ( family possibly resides in XXXX, XXXX but he claims to have been in LA for the last 3 years ) through a dating platform called XXXX XXXX around XXXX. He posed as someone with a few photos ( though may have been manipulated ) and a brief profile summary stating he was into cryptocurrency. I have made XXXX aware of XXXX posing as someone interested in dating but is a con artist. XXXX XXXX personnel informed me that they would take every measure to remove his profile from their platform. When speaking to him over the phone, he comes off as having a mix of a XXXX XXXXXXXX and XXXX accent. He love-bombed me, stating he wanted to marry me, he loved me, he wanted to build a life together all within two weeks of having talked on the phone. When I asked for him to participate in a video call to confirm his identity ( within a few days of us talking ), he gave the excuse that he didn't want to jinx us not working out. I was persistent in trying to video call with him shortly after he claimed to have landed in XXXX ( though he could have been anywhere ) - he gave several excuses saying that we would meet in person soon. He persisted, within us talking for about a week, that I invest in cryptocurrency using XXXX XXXX. I was hesitant as I have limited knowledge of the optics behind cryptocurrency. He assured me he would guide me. He also stated that he was against extortion. After downloading an app called XXXX on XXXX, I made a deposit of {$100.00} ( with the Bitcoin ATM taking a cut of 20 % ). Within a couple days, {$80.00} was deposited into the XXXX XXXX. XXXX asked me click on a link he sent to see if I had a universal wallet within the XXXX XXXX platform. A few days after, XXXX persisted that I create ( XXXX ) a portfolio with a company called XXXX XXXX XXXX ( XXXX ). He was insistent on knowing about my investments with Next and called almost everyday from XXXX ( with one instance claiming he was in the ICU and I didn't hear from him for about 6 days and about a couple weeks later, a second instance, where he ghosted me for 5 days ). He put forward that I would have a portfolio manager ( went by the name of XXXX XXXX XXXX or XXXX XXXX ) help with my investments ( via text ). The payments I submitted over the month of XXXX, I believed and was told, being invested in a diversified cryptocurrency portfolio. I made the discovery on XXXX that XXXX XXXX XXXX ( or XXXX XXXX ) was an alias that XXXX was using ( due to the consistencies between his text messages to me and " XXXX '' text messages '' and pocketed my investments. I did not authorize for XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX or their organization to receive my finances genuinely slated for investment purposes. I have a series of text messages with XXXX and a separate series of text messages with XXXX XXXX XXXX XXXX XXXX XXXX the assumption is that they are the same person ) that I can submit as evidence. The aforementioned names ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX currently have my finances of {$17000.00} within an account at XXXX XXXX XXXX XXXXn XXXX I contacted XXXX XXXX XXXX on XXXX informing them that the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) banking with them is a con-artist. In speaking with XXXX XXXX, him and his supervisor did a deep dive into the XXXX XXXX XXXX 's XXXX XXXX account & noted suspicious activity and informed that several others may have been conned into giving the aforementioned people finances. I asked if they could lock the account- XXXX assuring me that they account has been locked so no money can go in or out of the account and if approached by the federal authorities, he would comply with the investigation. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX have also withdrawn the {$100.00} from my XXXX  account. I had informed TD Bank of XXXX in which the 13 transactions were submitted as disputes. I filed a complaint with the local police department and in parallel filed an XXXX complaint with the FBI on XXXX. 

Please see attachment titled " XXXX XXXX '' which are all screenshots of communication as a " portfolio manager '' for XXXX XXXX XXXX from XXXX. 

XXXX XXXX XXXX XXXX / XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account # : XXXX Routing : XXXX

Company response to consumer: Closed with explanation