Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (MA)

- On XX/XX/XXXX my phone was stolen in XXXX and I became the victim of XXXX XXXXfraud/identity theft totaling {$20000.00} - The money can be broken down into 3 difference categories : Debit : {$7500.00} -- > this is the responsibility of TD Bank XXXX : {$7000.00} XXXX : {$5600.00} - Once I became aware of the situation ( XX/XX/XXXX ) I began contacting everyone involved. Some of these entities include TD Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- I then returned to XXXX to file a police report, which was investigated and eventually led to an arrest - Since then, I have received all of the money back from the XXXX category along with the XXXX payments. They all agreed that these transactions were committed fraudulently and my money was refunded - Numerous credit cards were also wrongly opened under my name- all of which also agreed that they were opened fraudulently and I was compensated accordingly - After filing my initial claim with TD Bank, I unfortunately heard back from them stating that they did not find these charges to be made in error and they believed that " The transactions appears to be authorized by you, you consented to or benefitted from the transactions '' -- XXXX I can not find my paperwork stating if a XXXX charge under the same category was refunded. The total of this was {$38.00} from the {$7500.00} category. I am certain that the remaining {$7500.00} did not get refunded - After speaking with a representative I was advised to attach a copy of the police report as proof that my phone was stolen and fraud was then committed using my phone - After a short delay I received a copy from the NYPD of my claim, and I resubmitted the claim - Shortly later, I was told once again that TD Bank believe these charges were not made in error. I was once again advised to secure more paperwork to help prove my case - Because I had to do this all in person in XXXX where I do not live, it took me a few months before being able to return and request additional paperwork. Once I did return I was told that I would need to request any additional information by filing a Freedom of Information Law ( FOIL ) request. 
- I initially called and left multiple voicemails over the course of a few months to which I never hear back. After this I filed my requested online and was told I would hear back in XXXX of XXXX - XXXX contacted multiple people from the relevant XXXX agencies and was directed to go to the County Clerk 's office ( in person ) - After some time I was able to get back to XXXX and when I got to the County Clerk 's office I was told to go to the District Attorney 's office because they could not help me- The DA 's office told me they would try to help but unfortunately because the case is sealed there is nothing they can do in order to help secure additional resources regarding my case. They did however provide me with an Arrest # and a Docket # proving that there was an arrest made relevant to my case- Because the case is sealed the only way to acquire more documents is by having the defendant ( whom I do not know ) write a letter of approval, or by hiring an attorney to help unseal which I don't want to do because it could cause me to lose even more money