Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
On XX/XX/2022 I was XXXXXXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. At this time my checking account at TD Bank contained {$290000.00}. I was the only one on the account and the bank manager XXXX met with me serval times when I first got my money that XXXX as we discussed my financial plans etc. Within the first two-three weeks I was XXXX  I had to do a three way call from XXXX  with my mom, XXXX  that deposited the money to my account and TD Bank letting them know I was XXXX  someone might have access to my account/information and that I needed my account to be frozen etc. They assured us it would be protected and I incurred a bill from my attorney for dealing with this matter. This guy I knew, that was staying at my house when i got locked up picked up my personal belongings from the XXXX  and signed for them. He didn't have permission to use any of my money and I was assured by the bank that my money was protected. However, he at that point had my debit card, truck keys, a lot of expensive jewelry, my laptop and cell phones obviously that's how he transferred, and spent my money with the devices already logged into my bank account. But TD Bank has what they call VOICEPRINT VERIFICATION haha what a joke i was XXXX  how did he pass voice verification even if he had my devices???? He was not forced to have to step into the bank branch to verify anything ( that he was not me ) he was able to order 8 different debit cards as well as transferred large amounts of money every day to his XXXX XXXX and three businesses to get money. If I myself make too many transfers myself with my own money I get flagged for potential fraud and forced to step into a branch in person to verify who i am. If I am traveling through states, I get harassed by being flagged for potential fraud. My mother received a call or piece of mail that stated the balance of my account in which we freaked out that my money was gone, and the bank was supposed to freeze my account. By time she got there in XXXX to So I gave my mother power of attorney to come from XXXX  where she lived to my house in XXXX  to handle this matter. She filed a police report for the amount of XXXX which was less than when i got locked up the bank still wouldn't do nothing. The account was in the negative and told my mom that the negative had to be paid before they had access to view my account. NO LUCK OBVIOUSLY! I was XXXX  XX/XX/2022 and went in person to the bank stated all of this even paid the negative balance on that account but then was told the account had been in that condition over XXXX months therefore they couldn't personally help me and turned me myself away. I lost my house and been homeless since I now live in XXXX  in a XXXX XXXX  and haven't had any money to hire an attorney to fight the bank for what is rightfully mine. TD BANK NOT ONLY FAILED ME AND MY MONEY BUT NEVER STOPPED HIM FROM MAKING CRAZY TRANSACTIONS ESPECIALLY AFTER THEM KNOWING I WAS XXXX. i AM SEEKING MY MONEY RETURNED AND WOULD APPRECIATE COMPENSATION FOR THE NEGLIGENCE AND LOSS OF QUALITY OF LIFE.

Company response to consumer: Closed with explanation