Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a client 's check was deposited into my TD Bank Checking Account # XXXX. The name of the client is XXXX XXXX XXXX. The amount of the check was {$2100.00}. The client was supposed to deposit only {$150.00}, but he claimed one of his employees made a mistake and deposited the wrong amount, and requested me to wire him back to his bank account. I found this very irregular, so I decided to wait until next day, and if the check had cashed properly and the balance posted as available in my account, go ahead and solve the problem with the client. When I logged in at XXXXXXXX XXXX in the morning of the XXXX XXXX of XXXX, I saw the checks deposit as available, with a posted status from the XXXX of XXXX. My balance on the XXXX of XXXX was {$570.00}. Now my balance was {$2700.00} ; I concluded the check was correctly deposited since there was no pending balance or pending transaction. I has waited more than 20 hours, and the balance was there. This led me to conclude that the client really did made a mistake and deposited extra money, so I was obliged to return the extra money to him. 

Nevertheless, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received an email message saying my account was overdrawn by {$1400.00}. To my surprise, I logged in, and I saw my account was overdrawn. I went ahead and investigated what happened. I went into my desktop and logged into my TD Bank account. I saw that the beginning balance on XXXX XX/XX/year> was {$2700.00}. Strangely, I saw an account activity of XXXX XX/XX/year> at XXXXXXXX XXXX, which showed a deposit return chargeback of - {$2100.00}, and its status showed as completed. This means that when I logged in at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I should not have seen the available balance of {$2700.00} on my TD mobile app. It should have shown that the check was returned and charged back, therefore the available balance should have been {$570.00}. An evident technological glitch had happened. If the correct balance had shown on the TD mobile app, reflecting the account activity of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX which showed a deposit return chargeback of - {$2100.00}, I would have noticed that the check was fraudulent and would have not returned the extra money the client claimed was his. 

I think I think a fair resolution would be for TD Bank to reimburse me for the {$2100.00}. Ive tried to contact TD Bank, but they claimed that there is nothing they can do, since I did send the transfers to the fraudster. What I claim is that I would have never sent the transfers if I the technological glitch had not happened. I did wait XXXX hours for the check to posted and not be returned, and after XXXX hours logged in and saw the check deposit balance as posted and available, therefore I had to return what I the TD Mobile App led me to believe was money that belong to my client. I also contacted the fraudulent client, who did not respond, and also denied my request for him to return the stolen money. I then proceeded to denounce this with the Internet Crime Complaint Center, since neither TD bank will not take responsibility, and the fraudster was out there harming others. 

TD Bank should respond, since it was a technological issue with the TD mobile app that let me to be a victim of this fraudster. The fraduster 's name is XXXX XXXX XXXX. The fradulent account that received the money I sent him back is a Bank XXXX XXXX XXXX account # XXXX. The address on file for the account is XXXXXXXX XXXX XXXX XXXX XXXX XXXX. His phone and XXXX  number is ( XXXX ) XXXX XXXX. His email and XXXX  address is XXXX.

Company response to consumer: Closed with explanation