Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

Dear the Consumer Financial Protection Bureau, I am writing to formally file a complaint against TD Bank concerning the unjust investigation of six fraudulent transactions that occurred on XX/XX/2023. Despite providing concrete evidence, I have been informed that my case has been closed, and I have not been properly assisted in resolving the issue. 

To provide context, I was admitted to two different hospitals from XX/XX/2023, to XX/XX/2023. Upon my discharge from the second hospital on XX/XX/2023, I discovered that my TD Bank cards, social security card, ID card, and property were stolen from my former address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Subsequently, six fraudulent transactions were made on XX/XX/2023 ( {$530.00} ), XX/XX/2023 ( {$660.00}, {$300.00}, {$220.00}, {$840.00}, {$97.00} ) from retailers including XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX  XXXX. 

Taking immediate action, I filed a police report on XX/XX/2023, at the XXXX precinct located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. A detective is currently handling my criminal case, underscoring the severity of the situation. 

However, upon receiving a letter from TD Bank 's US headquarters on XX/XX/2023, I was dismayed to learn that the investigation had been closed without a satisfactory resolution. The bank 's explanation, asserting that the transactions were not fraudulent because the thief would not conduct six transactions on different days and that I must know the perpetrator, was both baseless and unfair. It is essential to note that TD Bank had already closed my account and still had not issued me two new cards. 

I firmly believe that TD Bank 's handling of this situation is in violation of the Electronic Fund Transfer Act ( EFTA ) and has egregiously infringed upon my customer rights. 

I am formally requesting the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure TD Bank rectifies these significant errors promptly. I demand that the amounts of {$840.00}, {$660.00}, {$530.00}, {$300.00}, {$220.00}, {$97.00}, fraudulently withdrawn from my account, be permanently credited back without any further delays. Additionally, I expect to be treated with the respect and dignity every customer deserves. 

To substantiate my claim, I have attached four crucial pieces of evidence : 1. A copy of the police report filed on XX/XX/2023, regarding the grand larceny case at my former address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, which occurred on XX/XX/2023, the same day I was XXXX XXXX XXXX XXXX 
2. A picture of the detective 's business card from the 26th precinct located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
3. A copy of TD Banks statement on XX/XX/2023, reflecting the same address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, where the crime occurred. 
4. A copy of the discharge papers from the second hospital. 

Thank you for your prompt attention to this urgent matter. I am hopeful that with the assistance of CFPB, this issue will be resolved satisfactorily. 

Sincerely, XXXX XXXX