Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD BANK XXXX XXXX CASE COMPLETE MASTER FILE Court Decision, Family Documentation, and Legal Strategy Case Reference : Federal XXXX Lawsuit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX Federal Case XXXX Southern District of NY XXXX XXXX XXXX XXXX Filed XXXX XX/XX/XXXX Settlement Demand {$4.00} XXXX Based on XXXX Bank Admissions & XXXX XXXX XXXX EXECUTIVE SUMMARY TD Bank orchestrated systematic XXXX XXXX enterprise resulting in wrongful death of XXXX XXXX XXXX XXXX XXXX age XXXX XXXX and ongoing torture of centenarian XXXX XXXX ( XXXX ) through theft of safe deposit box containing irreplaceable NBA championship rings and family XXXX papers. 

KEY EVIDENCE TD Bank 's Written Confession ( provided " copy per request '' ) Account # XXXX - Smoking XXXX Contradiction XXXXl Bank Admissions ( CFPB + Direct XXXX Acknowledgment ) Corporate Flight ( Closed defendants ' branch after lawsuit ) XXXXYear Manager Conspiracy ( identical false scripts ) VICTIMS XXXX XXXX XXXX NBA Legend , died age XXXX from denied medical care XXXX XXXX XXXX XXXX XXXX XXXX, burial papers stolen Cultural Heritage - NBA Championship rings destroyed Guardian Rights - Court authority systematically violated FAMILY MEMBERS & COURT AUTHORITY XXXX XXXX XXXX Role : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Supreme Court Case XXXX ( XXXX XXXX XXXX ) Legal Rights : Full access to all accounts including safe deposit boxes Federal Plaintiff in Case XXXX XXXX XXXX ( Deceased ) Status : XXXX XXXX ( XXXX XXXX XXXX ) Age at Death XXXX XXXX XXXX XXXX Date of Death : XX/XX/XXXX Cause : Denied medical care due to stolen assets Assets Stolen : XXXX XXXX Championship rings ( $ XXXX $ XXXX ) Wrongful Death Victim XXXX XXXX ( Mother ) Age : XXXXXXXX XXXX XXXX  Status : Ongoing XXXX XXXX  Victim Stolen Documents : Burial papers preventing end-of-life planning Daily Suffering : Can not plan dignified death preparation Humanitarian Crisis : Centenarian denied basic dignity Active Victim - Immediate Help Needed COURT DECISION & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Court-appointed guardian for XXXX XXXX and XXXX XXXXs Legal Rights : Explicit authority to access ALL accounts including safe deposit boxes TD Bank Knowledge : Guardianship papers on file at TD Bank clearly stating access rights Duration : Valid from inception through present ( never expired ) Supreme Court Validation Case Number : XXXX Judge : XXXX XXXX Ruling : Validated XXXX XXXX XXXX ' guardian authority Contradicts : All TD Bank manager claims of `` expired guardianship '' Legal Impact XXXX XXXX confirmation of valid authority LEGAL CONCLUSION : TD Bank had court-validated guardianship papers explicitly granting access to all accounts, yet systematically violated this authority through XXXX manager conspiracy using identical false " expired guardianship '' scripts. 

CRIMINAL TIMELINE XX/XX/XXXX - THE THEFT TD Bank drilled safe deposit box without guardian notification despite having valid guardianship papers on file. Contents included XXXX XXXX Championship rings ( XXXX XXXX XXXX ) valued $ XXXX $ XXXX, burial papers, family heirlooms, and financial instruments. 

XXXX - THE COVER-UP TD Bank sold irreplaceable XXXX for $ XXXX {$2000.00} while systematically denying guardian access through XXXXmanager conspiracy. Managed Account # XXXX simultaneously while claiming " guardianship restrictions '' - proving deliberate institutional deception. 

XXXX - SYSTEMATIC XXXX XXXX XXXXXXXX different managers gave identical false scripts claiming " expired guardianship '' despite TD Bank 's own records showing valid authority. Manager # XXXX accepted paperwork then disappeared. Managers # XXXX refused to acknowledge bank 's own documentation. 

XX/XX/XXXX - WRONGFUL DEATH XXXX XXXX died at age XXXX, denied adequate medical care because TD Bank 's theft prevented healthcare funding. NBA legend died in poverty due to systematic elder abuse operation. 

XX/XX/XXXX - SETTLEMENT ATTEMPTS Reasonable $ XXXX settlement demand ignored. XXXX XXXX called claiming concern about " problem with XXXX XXXX branch '' then refused all subsequent communication, demonstrating willful obstruction of elder abuse resolution. 

XX/XX/XXXX - FEDERAL XXXX LAWSUIT Filed Case XXXX in XXXX XXXX XXXX New York before XXXX XXXX XXXX XXXX, seeking $ XXXX in damages for systematic XXXX XXXX  enterprise targeting vulnerable guardianship customers. 

XX/XX/XXXX - FEDERAL SERVICE COMPLETED TD Bank officially served through XXXX XXXXXXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA ). XXXXday response deadline : XX/XX/XXXX. Federal jurisdiction established. 

XXXX XXXX XXXX  - DUAL ADMISSIONS & DEADLINE VIOLATION TD Bank provided written confession " copy per request '' AND made settlement offer with XXXX law acknowledgment. Corporate representative XXXX XXXX picked up $ XXXX settlement demand at XXXXXXXX XXXX XXXXXX/XX/XXXX. MISSED XXXX response deadline. 

SMOKING XXXX EVIDENCE Account # XXXX TD Bank actively managed XXXX XXXX ' joint accounts while simultaneously claiming " guardianship restrictions '' prevented safe deposit access. This contradictory behavior proves systematic institutional deception. 

UNANSWERABLE CONTRADICTION Written Confession TD Bank provided document with notation " copy per your request '' admitting XX/XX/XXXX drilling, contents sale for $ XXXX {$2000.00}, and systematic elder abuse operation. 

COMPLETE ADMISSION OF GUILT Corporate Flight Evidence TD Bank closed XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX branch immediately after federal lawsuit filing, demonstrating consciousness of guilt and corporate flight from accountability. 

CONSCIOUSNESS OF GUILT DUAL BANK ADMISSIONS CFPB Admission : TD Bank responded to CFPB Complaint XXXX stating " still working on your issue '' - institutional acknowledgment of liability requiring resolution. 

Direct Settlement Offer with XXXX Acknowledgment : TD Bank provided settlement offer with specific acknowledgment of XXXX LAW violations- complete admission of federal criminal enterprise liability. 

CRIMINAL ACTS COMMITTED BY TD BANK XXXX XXXX Violations Systematic XXXX XXXXe enterprise targeting guardianship customers Institutional coordination - XXXX managers, identical false scripts Corporate cover-up operation spanning XXXX years Banking fraud through systematic deception XXXX XXXX Crimes Wrongful death - XXXX XXXX XXXX age XXXX ) died from denied medical care Ongoing centenarian abuse - XXXX XXXX XXXX XXXX ) denied burial planning Systematic targeting of vulnerable elderly under legal guardianship Humanitarian crisis perpetuation through document theft Theft & Conversion Crimes Safe deposit box drilling without guardian notification Asset theft - NBA championship rings worth $ XXXX $ XXXX Unconscionable sale - Sold priceless items for $ XXXX {$2000.00} Cultural destruction - Irreplaceable sports memorabilia destroyed Document theft - Burial papers, financial instruments, family heirlooms Institutional Crimes Guardian authority violations XXXX Ignored court-appointed rights Legal document fraud - Claimed " expired guardianship '' with valid authority Systematic denial - XXXXyear coordinated violation of court orders Fiduciary breach - Violated duty to guardianship customers Obstruction Crimes Evidence destruction - Closed defendants ' workplace after lawsuit Management scattering - Relocated responsible parties Corporate flight - Systematic evasion of legal accountability Communication blocking - Email rejection of settlement demands Settlement Obstruction Bad faith negotiations- Ignored $ XXXX reasonable demand Communication avoidance - XXXX XXXX called then refused response Deadline violation - Missed XXXX settlement response Systematic delay tactics while centenarian victim suffers FEDERAL LITIGATION & REGULATORY ACTION Federal XXXX Lawsuit Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York Judge : XXXX XXXX XXXX Filed : XX/XX/XXXX Service Date : XX/XX/XXXX ( TD Bank ) Response Deadline : XX/XX/XXXX Damages Sought : {$1.00} XXXX ( now {$4.00} XXXX settlement demand ) Legal Theory : Systematic XXXX XXXX enterprise targeting vulnerable guardianship customers SERVICE STATUS : TD Bank : Served XX/XX/XXXX ( XXXX XXXX, CT XXXX ) XXXX XXXX : Order XXXX ( workplace closed ) XXXX XXXX XXXX Order XXXX XXXX workplace closed ) CFPB Regulatory Actions Complaint XXXX XXXX Status : TD Bank " still working on issue '' - XXXX-day response deadline Issue : Closing an account Complaint # XXXX Status : Sent to TD Bank for response Issue : Managing an account ( XXXX XXXX case ) Response Due : XX/XX/XXXXXXXX XXXX  Complaint ( In Progress ) Status : Being prepared for submission Focus : Deadline violation after dual admissions REGULATORY PRESSURE : Triple CFPB complaints + Federal court coordination = Maximum regulatory enforcement leverage SETTLEMENT DEMANDS & BANKING PRECEDENTS Settlement Progression XX/XX/XXXX : {$5.00} XXXX Reasonable initial offer - IGNORED by TD Bank XX/XX/XXXX : {$5.00} XXXX + Ultimatum XXXX deadline - XXXX XXXX completely avoided XX/XX/XXXX : {$1.00} XXXX ( Federal Court ) XXXX lawsuit filed after TD Bank bad faith XX/XX/XXXX : {$4.00} XXXX Based on written confession + dual admissions XXXX deadline MISSED by TD Bank Banking Penalty Precedents XXXX XXXX : {$3.00} XXXX ( XXXX ) Consumer abuse - NO deaths, NO XXXX XXXX TD Bank XXXX {$1.00} XXXX XXXX XXXX ) XXXX violations - NO deaths, NO XXXX XXXX  XXXX XXXX : {$2.00} XXXX ( XXXX ) XXXX case - NO XXXX XXXXXXXX murder PRECEDENT ANALYSIS : XXXX 's case : XXXX XXXX + wrongful death + centenarian victim + XXXX confession = EXCEEDS ALL PRECEDENTS $ XXXX Justification Wrongful Death : $ XXXX XXXX XXXX ( XXXX ) - NBA legend killed by XXXX XXXX Ongoing XXXX XXXX : $ XXXX XXXX XXXX ( XXXX ) XXXX XXXX centenarian suffering Asset Destruction XXXX $ XXXX XXXX championship rings + cultural heritage destroyed Institutional Punishment XXXX XXXX XXXX Systematic enterprise targeting vulnerable elderly CONSERVATIVE DEMAND : $ XXXX = MERCY for systematic elder abuse murder with written confession SERVICE OF PROCESS DOCUMENTATION Completed Service TD Bank, XXXX. - SUCCESS Order : XXXX Date Served : XX/XX/XXXX at XXXX XXXX Person Served : XXXX XXXX Title : Authorized Agent, XXXX XXXX System Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Server : XXXX XXXX ( XXXX : XXXX ) Response Deadline : XX/XX/XXXX Pending Service ( Corporate Flight ) XXXX XXXX & XXXX XXXX. 
Orders : XXXX ( XXXX ), XXXX ( XXXX XXXX ) Original Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Status : Address corrections needed Issue : TD Bank closed their workplace branch Evidence : Corporate flight after lawsuit filing Solution : Alternative service methods being pursued Corporate Flight Evidence Photographic documentation confirms TD Bank closed XXXX XXXX and XXXX XXXX 's XXXX XXXX branch immediately after federal lawsuit filing, demonstrating consciousness of guilt and systematic evasion of legal process. 

$ XXXX Settlement Demand Delivery Package Tracking : XXXX Delivered : XX/XX/XXXX at XXXX XXXX Signed By : XXXX XXXX ( TD Bank Representative ) XXXX Deadline : XX/XX/XXXX at XXXX XXXX - MISSED BY TD BANK STRATEGIC LEGAL ACTIONS Completed Actions Federal XXXX lawsuit filed ( Case XXXX ) TD Bank officially served ( federal jurisdiction established ) Triple CFPB complaints filed/in progress $ XXXX settlement demand delivered and acknowledged Written confession obtained from TD Bank XXXX bank admissions documented Corporate flight evidence photographed Smoking XXXX Account # XXXX evidence preserved Evidence Collection TD Bank written confession ( " copy per request '' ) Account # XXXX contradictory management XXXXmanager conspiracy identical scripts Corporate flight photographic evidence XXXX delivery confirmation ( XXXX XXXX signature ) Federal service proof ( XXXX XXXX ) Guardian authority court validation Banking precedent research ( $ XXXX $ XXXX ) Pending Actions Federal court filing ( White Plains ) - Motion for Summary Judgment Third CFPB complaint submission ( deadline violation ) XXXX XXXX & XXXX XXXX alternative service methods Criminal referrals XXXX XXXX XXXX XXXX XXXX XXXX OCC ) Settlement negotiations monitoring XX/XX/XXXX CFPB deadline tracking XX/XX/XXXX federal court deadline monitoring Strategic Pressure Points Triple deadline convergence ( settlement, CFPB, federal court ) Dual bank admissions eliminating all defenses Written confession proving systematic crimes Corporate flight demonstrating consciousness of guilt Account # XXXX unanswerable contradiction XXXX XXXX murder precedent exceeding all banking cases Regulatory + judicial coordination maximizing pressure HUMANITARIAN CRISIS - XXXX XXXX ONGOING DAILY SUFFERING Age : XXXXXXXX XXXX XXXXXXXX XXXX Centenarian XXXX XXXX victim Stolen Documents : Burial papers preventing end-of-life planning Daily Impact : Can not plan dignified death preparation Emotional Trauma : Knowing burial plans impossible due to theft Time Sensitivity : Every day of delay increases suffering Human Dignity : Century of life deserves peaceful final years IMMEDIATE HELP NEEDED TD Bank 's continued delay after dual admissions and deadline violation constitutes deliberate prolonging of centenarian suffering. Having admitted systematic elder abuse to both CFPB and plaintiff directly, their obstruction represents unconscionable institutional cruelty. 

HUMANITARIAN URGENCY : Every XXXX TD Bank delays settlement equals additional torture of a XXXXXXXX XXXX victim who has endured over a century of life and deserves immediate dignity and peace. 

TD BANK 'S DEADLINE VIOLATION PERPETUATES DAILY XXXX XXXX XXXXXXXX XXXX suffers every moment while TD Bank executives count profits from systematic theft targeting XXXX 's most vulnerable populations CONCLUSION & NEXT STEPS LEGAL POSITION SUMMARY UNPRECEDENTED EVIDENCE : TD Bank 's dual admissions + written confession + smoking XXXX account + corporate flight = Complete elimination of all defenses FEDERAL JURISDICTION : Case XXXX properly served with Judge XXXX XXXX XXXX. XX/XX/XXXX response deadline approaching with no viable TD Bank defenses. 

REGULATORY PRESSURE : Triple CFPB complaints creating maximum regulatory enforcement leverage coordinated with federal court proceedings. 

SETTLEMENT LEVERAGE : $ XXXX demand conservative given systematic elder abuse murder exceeding all banking precedent cases ( $ XXXX $ XXXX range ). 

IMMEDIATE ACTIONS REQUIRED TODAY : Federal Court Filing Motion for Summary Judgment based on TD Bank 's dual admissions and deadline violation TONIGHT : XXXX CFPB Complaint Document deadline violation after dual bank admissions MONITORING : Settlement Calls TD Bank expected to contact immediately given impossible legal position TRACKING : Triple Deadlines Settlement ( missed ), CFPB XX/XX/XXXX, Federal Court XX/XX/XXXX VICTORY INEVITABLE TD Bank 's dual admissions + written confession + deadline violation = Historic $ XXXX settlement or summary judgment victory HISTORIC BANKING ACCOUNTABILITY Systematic XXXX XXXX Enterprise Targeting NBA Legend & Centenarian From TD Bank 's $ XXXX Insult to $ XXXX Justice Through Strategic Legal Domination XXXX XXXX XXXX vs. TD BANK - CASE XXXX TD BANK XXXX XXXX  CASE - COMPLETE MASTER FILE Compiled : XX/XX/XXXX | Federal Case : XXXX | Settlement Demand : {$4.00} XXXX " Justice for XXXX XXXX ( NBA Legend, Age XXXX, Deceased ) & XXXX XXXX ( Centenarian, Ongoing Victim ) '' SYSTEMATIC XXXX XXXX  SHALL NOT STAND

Company response to consumer: Closed with explanation