Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this statement regarding fraudulent activity involving my checking account with TD Bank. On Friday, XX/XX/year>, at approximately XXXX XXXX., I received a text message from XXXX stating : TD BANK ALERT : Did You Attempt A Transaction XXXX XXXX XXXX FOR {$220.00}? If Authorized Reply YES, If Not Reply NO. Believing the message to be legitimate, I replied No at approximately XXXX XXXX. I then received a response stating that a representative would contact me shortly. At approximately XXXX XXXX., I received a phone call from the same number. The caller identified himself as a representative from TD Banks fraud department. At the beginning of this call, the representative began referencing recent transactions from my checking account from earlier that day. Based on this information, I reasonably believed I was speaking with an authorized bank representative. During this call, my account security was compromised. Without my authorization, the individual gained access to my online banking account, changed my password, and actively viewed and referenced my account activity in real time. The caller then accessed my Cash App account on their own without my consent, then added a random debit card from XXXX Bank ( I never owned an account at XXXX XXXX ), and transferred {$2500.00} to that debit card without my authorization. As a result of this fraudulent activity, approximately {$2500.00} was withdrawn from my checking account through XXXX XXXX and transferred to a debit card that had been added without my authorization. Throughout the call, the individual repeatedly stated that a new account was being created and that my funds would be moved to keep my money safe. After the call ended, I received email notifications confirming that my online banking password had been changed, which I did not do. Upon realizing that I had been the victim of fraud, I immediately contacted TD Bank and reported the incident. My account was promptly secured and closed. I also reported this matter to the XXXX XXXX Police Department and filed a complaint with the FBI Internet Crime Complaint Center ( IC3 ), as well as the Federal Trade Commission. On XX/XX/year>, I returned to TD Bank and spoke with a representative who initiated a Regulation XXXX dispute regarding this transaction. I did not knowingly authorize this as a legitimate payment. Any actions taken during this incident occurred while I was being deceived by an individual impersonating TD Bank and while my account security had been compromised by unauthorized third-party access. I respectfully request that this matter be reviewed as a case involving unauthorized account access, impersonation, and fraud. I ask that TD Bank conduct a full investigation and reimburse the funds removed from my account as a result of this fraudulent activity. I have supporting documentation, including text messages, call logs, account alerts, emails confirming password changes, transaction records, and law enforcement reports. I am prepared to provide any additional information needed. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation