Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Consolidated Complaint & Update TD BankXXXX XXXX. 
Date : XX/XX/XXXX To : Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX Phone : XXXX Re : Consolidated & Supplemental Complaint TD Bank, XXXX. Compliance Failures Enabling Fraud. 
Prior CFPB Case # : XXXX ; Prior OCC Case # XXXX. 

Dear OCC and CFPB Representatives, This filing consolidates and supplements my prior complaints against TD Bank, XXXX. ( CFPB Case # XXXX ). It incorporates my previous escalation letter and provides updated evidence following TD Banks most recent denial letter dated XX/XX/XXXX. 

In that denial, TD Bank concedes that I am the victim of a scam but asserts that the wires I sent to XXXX XXXX XXXX XXXX were authorized and therefore unrecoverable. The Bank declared its denial to be final. This response fails to address the central issue : authorization obtained through fraud and material misrepresentation is not valid authorization. 

I relied on false promises of a guaranteed investment contract, which TD Bank facilitated by permitting XXXX XXXX XXXX XXXX to open and operate an account without adequate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or fraud controls. 
Evidence of TD Banks Failures - Wires Sent : {$72000.00} wired via TD Bank on XX/XX/XXXX ( {$47000.00} ) and XX/XX/XXXX ( {$25000.00} ) to XXXX XXXX XXXX XXXX. 
- Fraud Acknowledged : TD Bank concedes I am the victim of a scam. 
- Refusal of Relief : Despite this acknowledgment, TD Bank refuses restitution or accountability. 
- XXXX  XXXX Demand Letter : On XX/XX/XXXX, I served TD Bank with a formal Massachusetts XXXX  XXXX demand, placing it on notice of liability for unfair and deceptive practices. 
- Industry Precedent : On XX/XX/XXXX, XXXX XXXX  refunded another investor, XXXX XXXX XXXX, {$25000.00} for an identical Bright Vision scheme, demonstrating that peer institutions recognize their obligations to protect consumers. 
- Law Enforcement : I filed a police report in XXXX ( XXXX XXXX. XXXX, XXXX XXXX, XXXX ). 
Regulatory & Legal Action I have filed complaints with CFPB, OCC, and XXXX, and I am preparing civil litigation against TD Bank to recover my {$72000.00} loss. Under Massachusetts XXXX XXXX, TD Banks refusal exposes it to treble damages exceeding {$210000.00}, plus attorneys fees and costs. 

I respectfully urge the OCC and CFPB to : XXXX. Investigate TD Banks compliance failures in account opening and monitoring. 
XXXX. Direct TD Bank to provide restitution for my {$72000.00} loss. 
XXXX. Take supervisory or enforcement measures to ensure TD Bank meets its federal and state obligations under XXXX, XXXX, and consumer protection standards. 
Attachments ( Exhibits ) Exhibit A TD Bank Denial Letter ( XXXX XXXX, XXXX ) Exhibit B Massachusetts XXXX XXXX Demand Letter ( XX/XX/XXXX ) Exhibit C Wire Transfer Confirmations ( {$47000.00} and {$25000.00} ) Exhibit D Police Report Acknowledgment ( XXXX XXXX, XXXX XXXX, XXXX ) Respectfully submitted, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation