Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
b"I am also mailing you a full detailed copy of the really long complex story but I had an inheritance my brother drew a check from supposedly the trust and had the bank do a cashier's check it didn't even look like a cashier's check it just look like a bank check however it was for XXXX I opened an account at the same place that he put the trust in for my mom upon after her death I'm a XXXX beneficiary so I opened up the account at TD Bank on Central Street in Lowell and when I was sat down with the manager or the teller she gave me my debit card and turn the screen to me and said okay now you need to create your own password and I said you just created one and made my username my first name and my date of birth and you just put a password of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I said that is not secure you can't open a set of an account like that she said we don't have any requirements it's it's fine because you're just going to make up a new password right now I said it's too late you have already open the floodgates for any cyber security or hackers to come through she said it'll be fine so paid my excise tax out of my checking I put XXXX into my savings XXXX into my checking the following morning I went to go into the account I was over the excited you know it's a lot of money I want to go in the account and it was a XXXX balance and the checking also said I had overdraft of XXXX and I couldn't have been possible because of the amount that I had in there I wouldn't have had any overdraft fees so she's trying to tell me that it was going to be fine so I called the fraud line told them that that happened blah blah blah I was upset so she said well go to the bank tomorrow and go get a new ATM card I go to the bank I asked to talk to the manager and I asked for a new ATM card explain to him the situation I talked to the fraud department and there was supposed to note my account he gives me a new debit card and just turns the pin pad over and says create a new PIN the card looks old for one thing it was like kind of faded and stuff the expiration date wasn't different like there was not much difference went home later on that day I get a service message from the bank saying oh we received your address change thank you very much and I said I didn't change my address and I opted to get text messages to my phone to give me alerts I never turned on overdraft I never turned on any of that now this is XXXX XXXX so now later on I'm in the process where I'm starting to buy things for Christmas I have a cash app account and I was buying things through t e m u and didn't notice anything right off the bat other than that message I called and told him I didn't change my address you need to investigate this again because I don't know what's going on now every day I'm getting aggravated because any amount that I withdrew or purchased was immediately doubled and all the accounting for the credits and debits weren't adding up correctly whatsoever I would take out XXXX and it would say I took out XXXX and then when you would read the accounting it would add it and say I took out XXXX and then it would duplicate and say XXXX again and it would have the immediate same exact time frame so I called them and nothing I could see on the account would describe what the purchase was for it was so big and I was aggravated so I contacted them and I said I took you something wrong with the app so I spoke to the fraud department again and they said no yeah it's fine discontinued I said a notice it more and more and more and I'm like wait a minute why are you making me transfer funds saying that I was in the negative why every single time I tried to use my ATM card like online it would say that I had to transfer account money over to clear it so I didn't know if that was just something they did for the purchase I'm totally new to this bank and knew the money you know trust me so this kept going on and on so then I contacted them again and I told him this is bull what the heck is going on I'm like getting none of this is adding up right so then on cash app I set a notice and it was all these transfers being done from TD Bank from the savings the savings account to the checking account to the cash app every time I bought like a present on there it was making it like it was quadruple and then it was like they were trying to purchase things and it would deny and deny and deny and then it would just accept it and then it said that oh there was an attempted purchase for XXXX so I called them and I told him what the hell is this what's going on and when I contacted the fraud department they were really rude and at the hottest time to even get through to someone the phone just kept asking for my social security number so I'm like I don't feel comfortable with this so it needs to say this continue to check them over XXXX and a half months for me to get a new ATM card and for them to I wanted them to change the account completely I want him to shut that down and set a new account with the new ATM card well they never did that they just sent me another card again and then I asked him about what's going on with the investigation never got a reply so this went on and on and I didn't get my first statement until the end of XXXX so I found out all my email was being intercepted every time that I had to go online to open my mobile banking it said you want to be notified by text or phone so I said text the text message would never come in so then I opted for the phone call and now we get this strange robotic woman's voice very creepy slow giving me XXXX to XXXX digits to verify my account every single time I'm like why do I have to keep doing this over and over again because I opted for the text you know it's a verify through the text that it would just automatically do it I wouldn't have to wait for this weird thing to call me or text me it was just the bank you don't give me notification so then I realized on cash app that the same exact phone number that was contacted me to verify my TD Bank account was texting me from cash app and this went on and on so then my phone was hacked I kept getting a million spam calls and one of the actors actually was nice enough to say well I can tell you why because your number was sold and I said what my number was sold well then I found out that I was a victim of sim swapping immediately after and eventually my XXXX XXXX my entire account everything on my phone all my banking apps everything was an overlay of a malicious malware hacker man in the middle remotely controlling internationally my account I said a notice and there was account set up on my XXXX ready to submit money over to XXXX to XXXX XXXX I kept getting notifications through Malwarebytes because I was trying to protect my phone saying that I had a VPN through Sweden I set a noticing that my camera was on these people were watching me every single day they were listening to me they were freezing my screen I could see things you know bouncing around they were registering my keystrokes watching me they knew when I was going to the ATM and so this kept going on and on ended up siphoning about XXXX out of my account between cash app XXXX and TD Bank TD Bank is the primary issue because they set me up for failure right from the beginning not once the day attempt to finalize or even investigate on XXXX XXXX it was the strangest thing I hope my apartment door in an apartment complex and I had XXXX TD Bank lettuce stuffed in my door at my residence not in the post office box downstairs not even postmarked from the post office telling me that on now the lettuce said XXXX XXXX on both and telling me that there was a overdraft negative balance that I needed to discharge and correct of XXXX and then I realize that they tried to take XXXX out and transfer to my cash app and the XXXX said tried to take so I was like there's no place to put that type of message now because it's all happened I went down to TD Bank after I spoke to the girl on the phone and told her shut off my mobile accounting my mobile banking and that I was waiting and waiting waiting for my ATM card they told me XXXX to XXXX days it was like XXXX weeks found out my mail was being intercepted but when I went there I took out the remaining money that I had in my account and I left XXXX in my checking and XXXX in my savings I believe well I use that money on XXXX XXXX and XXXX XXXX to pay for my storage unit from my mom's stuff from her death and it was XXXX and tax but the day that I went and took that money out was XXXX XXXX so the letter was dated XXXX XXXX telling me that XXXX XXXX a date in the future I was in the negative and it was putting my door on XXXX XXXX my personal home residence they knew exactly where I lived so then after that I go this is wrong I went to the ATM and it said that I wasn't in the negative I still had XXXX left over in the checking in XXXX in the savings so forth the ATM slipped like I didn't print it out I took a picture of it on the screen it didn't even say TD Bank it didn't even say the balance it didn't even say what was drawn it didn't say my name it didn't this is going on continuously my account's off I can't even use it my entire life has been hacked by you know a complete cyber account takeover malware manual remote and I'm bored because I've asked him several times it is well over the XXXXXXXX XXXX that they have to investigate and I want a provisional credit per regulation e by law immediately after finding out especially that TD Bank admitted to guilt of helping the cartel with the XXXX XXXX XXXX embezzlement making up fake debit cards and moving people's money taking people's money out apparently I was one of those victims I'm disgusted I am torn apart everything in my life right now is hacked because of this because of the security violation right from the XXXX day and now the remaining part of my inheritance the executive wrote a trust check from TD Bank again I don't want them knowing anything about me I don't want their account anymore so now I have to take those checks and I have to go there and demand to cash his check so I can put it in that form and then bring it to a completely new bank but I'm terrified that once that bank stamps that check that the heck is it going to know exactly where I am again they have created ghost accounts on my email accounts they have hacked into every everything that I have they've taken my photos on all my documents they attacked my EBT card my credit report there was a car purchased they put bankruptcy on my credit report and then three credit bureaus they were fake when I contacted them XXXX kept trying to perpetrate me to get a credit card the XXXX report that I got that guy was trying to make me pay to have my my credit Frozen I tried to contact XXXX they didn't recognize me I waited waited they were sending me a paper copy and a pin it was like weeks and weeks when I get like one scrap of mail they sent me these fake lettuce saying that my pay was going to be intercepted and I need to pay back some fraudulent welfare money and EBT money of XXXX student loan they took a student loan out my student loan was all finalized years ago cuz I did one of those offering compromise to a XXXX balance as long as I paid a couple payments of XXXX that was right before covid really got started but I'm receiving things for insurance for car I don't own my phone screen changes every day I lose documentary I can't even use my email anymore I had to create this one so I could actually put the report in electronically because there's so much more to add but I can't even get into my email anymore because I'm terrified as soon as I log into it again because they're just going to attack it again soon as I open it it's going to start all over again in fact as I'm trying to type this on this phone it keeps giving me a message saying my session is timed out they have like an overlay over every app of mine and watching every keystroke and this is all because TD Banks set up my account with that ridiculous password one through eight and sequential numbers with my name and my birthday they sent me up I am old and I demand the provisional credit per regulation e that they violated they haven't even finalized or even I don't even think instituted and investigation I am disgusted they have just ripped my life apart at the same time of me trying to mourn for the grief of my mother passing away and at the same time that I'm supposed to be getting my beneficiary inheritance this is the crap I have to go through I want them held XXXX responsible but also cash app the customer service department there wouldn't list me all they keep putting fake loans and fake overdrafts it is a nightmare trying to get it to my XXXX and my chime account everything please make them provide the provisional credit please I'm XXXX owed this per regulation e for their violations and they've had ample time over and over to investigate this entire situation and have failed to provide me any customer service or any loyalty or compassion and then the Central Street branch shut down just shut down closed boarded up I really feel that the people that were working there were involved with that XXXX XXXX for that class action suit but please review that because I am XXXX of victim and I also am doing a petition with the court system in Probate for my inheritance because my brother he's the whole one that gave me this Checker at all and I demanded to cash his check so now I have to fight with the courts to make him do that and my court papers explicitly explain in detail the issues that I had with TD Bank under oath so please I should have an emergency provisional credit thank you"

Company response to consumer: Closed with explanation