Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Complaint to TD bank wrongful business conduct and wrongful treat and handled the scam/fraud victim I was a victim of a crypto scam and wire fraud scam from XXXX to XXXX. 

I was scammed and took instruction from a scammer. From XXXX to XXXX, only XXXX days, TD wired totally {$780000.00} out from my checking account to the XXXX exchange platform and fraudulent scammer recipient 's bank account without any red flag or system mechanism process. I attached all the wire transfer papers here. During the wire process, I never got the call from the wire fraud or bank fraud department to ask security questions for large amounts of wire transfer, especially overseas wire transfer. It never crosses my mind that I have been scammed. 

When I opened the TD account, I indicated I am retired and have XXXX income on the application. Out of nowhere, I suddenly wired money from TD bank to all over the place. TD bank has no hesitation to wire the funds that were someone's life savings. TD bank wired 7 times successfully to the scammers fraudulent account and crypto platform. 

On XX/XX/XXXX, a scammer ( from XXXX platform online Support ) asked me to wire {$100000.00} to " XXXX XXXX '' which really was a fraudulent banking account. I went to XXXX bank to do the wire. XXXX bank XXXX department detectives called me immediately to ask all kinds of security questions. I answered the detective 's question based on scammer instructions. XXXX detectives do not believe whatever my answers were. He believed I was scammed. XXXX XXXX  literally held my {$100000.00} from XX/XX/XXXX to XX/XX/XXXX until all of the scam and fraud were explored. XXXX credited {$100000.00} to my account by then. 
. 
Due to XXXX bank 's strict customer protection protocol, the scammer asked to go to TD bank doing the wire to " XXXX XXXX ''. He said TD bank is very friendly. TD bank is easy to do wire transfer. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, TD bank wired a total of {$500000.00} to XXXX different scammer 's fraudulent accounts. The recipient 's name and address are all fake. 

On XX/XX/XXXX, I realized I was scammed. I went to XXXX district # XXXX police station. XXXX XXXX gave me a police report DC # XXXX XXXX. She instructed me to go to the bank immediately to investigate all of the wire transfer. I went to the TD branch on the same day to report the fraud. I gave the bank all of the scammer bank information ( XXXX of them ) which account #, XXXX #, name, location... etc. 

TODAY XX/XX/XXXX, at XXXX. I received the call ( finally ) from TD bank XXXX XXXX department, name XXXX. XXXX told me TD bank decided to close your TD bank account due to the fraud. I told XXXX that I am the fraud victim, not a fraud criminal. TD bank should track down and catch those fraudulent recipients. XXXX ignored my question, period. XXXX asked me " why you deposited {$100000.00} to another person 's account. '' I have no idea what XXXX is talking about. XXXX basically assumed I was hiding the money. I committed fraud. Suddenly, I remember on XX/XX/XXXX, I deposited a {$100000.00} my XXXX 's check to TD bank. It was advice from a XXXX bank representative. The XXXX told me my XXXX bank account might be compromised. I presented the check to a TD teller by using my own TD debit card and PIN number. Why my {$100000.00} check deposit to another account, I have NO CLUE. The TD teller made a mistake and TD bank directly assumes I committed a fraud!!! 

I told XXXX I need to speak to XXXX about TD closing my account. XXXX said whatever you want to do, we have closed your account!!! 

I demanded TD bank investigate all of the careless business conduct, investigate all of the lack of customer protection procedure, specially for LARGE AMOUNT WIRE transfer. Meanwhile, I submitted all of the XXXX evidence to the PA Attorney General XXXX and also TD wrongfully handled my victim case. XXXX XXXX agency is XXXX XXXX. Her phone # XXXX. Case # XXXX Best Regards XXXX XXXX

Company response to consumer: Closed with monetary relief