Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/XXXX - My bag containing my wallet w/TD Bank XXXX XXXX ID, Tile Wallet card ) phone ( w/ TD Bank app, XXXX, XXXX XXXX, XXXX XXXX, XXXX apps ) and Account Numbers fell from a XXXX carriage and was stolen on XXXX XXXX in XXXX XXXX. 


XX/XX/XXXX - Emailed my domestic partner informing her of the theft and loss of all of my items ( attached ) XXXX - Fraudulent Transactions ensued between the dates of ( see attached XXXX, XXXX & XXXX ) Charges brought my account from + {$2000.00} to - {$750.00} ( ACCT NUMBER : XXXX ) Transactions occurred across both XXXX and XXXX boroughs and several municipalities of New Jersey at businesses of which I have no prior transactional history prior to the fraudulent charges. 


XX/XX/XXXX : Corresponded with XXXX XXXX & tracked my wallet and phone 's location. 

The wallet 's location changed frequently and later I would find correlated with the locations where the fraud transactions took place. 


XX/XX/XXXX1 : ContacteXXXX TD Bank Fraud support and outlined the above events. They did not open a new fraud claim and asked that I visit a local branch for support in the matter. 


XX/XX/XXXX : Last of the fraudulent charges process ( after I had already alerted the bank. 


XX/XX/XXXX : Visited Branch located at XXXX XXXX XXXX and audited my account with a teller outlining the items in fraudulent charges from my transaction history ( eg liquor store charges, takeout services, taxis, exuberant charges made at XXXX, etc ) Also went through and highlighting in yellow the charges that fell within that date range that were authorized by me ( eg subscription costs, transactions where I used the card saved on laptop to make purchases ) and outlining the Overdraft charges in red ( see attached ) Left the account open in order for the claim to process, received copies of my report and started claim process. 


XX/XX/XXXX : Closed the checking account # XXXX and opened current account # XXXX in order to retain my paycheck deposit, which was almost completely consumed by both the transactions and the subsequent overdrafted charges repeatedly issued by TD Bank during both the dates of the crime and post-filing dispute. 


XXXX : Followed up both by phone and had several follow up appointments at the branch location. 

During this time frame my first dispute claim was denied on the basis that I'd authorized transactions during that time frame, even though I'd walked the teller through those authorized transactions as stated previously. 


XX/XX/XXXX : Filed a police report with XXXX 's XXXX Prescient and provided Detective XXXX with the following ( also attached here ) : My Government Issued ID TD Transactions from XXXX TD Fraud Claim Initiation Report for Purchases TD Fraud Claim Initiation Report for ATM Withdrawls Wallet location report from Tile Tracking Device inside stolen wallet My work message history from XXXX _ ( since the bank doesn't believe this was fraud ) _ Proof of Employment TD Bank 's Letter Denying my Fraud Claim Stolen Phone Claim Receipt ( XXXX Evidence that my bag was stolen ) The XXXX officiated the crime committed against me as a felony, Grand Larceny and began investigation. 


XX/XX/XXXX - Filed complaint with FTC and FTC sent letter on my behalf asking for a follow-up on my request to " Restore any funds withdrawn from my account without my authorization. '' XX/XX/XXXX -present - Never received a written response from my letter, never received compensation for the funds lost, nearly lost my home due to financial destitution caused by these events, never received compensation for the I opened the case back up two more times, sent them the police report along w/Tile Tracking history and XXXX XXXX XXXX XXXX XXXX XXXX email history, meetings, and other communications proving that I was working in XXXX throughout the dates on which fraud occurred. 

I also sent them the three credit freezes and identity theft reports issued to all three credit bureaus, alongside an affidavit for my stolen phone containing my banking information. 

They have repeatedly denied my requests to communicate with the 3rd party repeatedly denying my dispute claims, therefore denying my rights to represent my case.