Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, my checking account was hit by fraudulent withdrawals. Even before the fraudulent transactions the bank sent me a text asking if it was me authorizing these transactions. I replied " NO ''. The funds were still allowed to be withdrawn from my account. A total of {$480.00} dollars at first. I called the fraud department immediately. I was levied because I keep dealing with these fraud and identity theft issues for years now. And, no one is willing to help you. 
After, reporting the thief to TD BANK. They closed my debit card and assured me they would take care of the matter. The situation just got worse. Because literally a few days later my account was hit again totally emptying out the whole checking account on XX/XX/XXXX. Stealing my paycheck and XXXX payment. A total over {$2300.00} was stolen from a company I've never had an account with in my life. A loan company called XXXX. 
TD BANK only returned {$630.00} of my money after telling me repeatedly that I should see the rest of my funds soon in my account that they blocked. I had to make a new account and I went into the branch and had a new debit card made. TD Bank then allowed the new account to be breached as well. These thieves cashed ( XXXX ) XXXX insurance checks that was electronically deposited. That TD flagged as fraudulent after cashing them and charging me twice {$15.00} for returned check fees. They sent copies of the checks. They literally have no real signature. A electronically printed signature. My hand writing is chicken scratch. So, obviously not me. They closed my new account and stopped doing business with me. Refusing to allow me access to my statements so I can make a police report with some solid evidence. TD Bank, XXXX, XXXX, and XXXX  XXXX XXXX are telling customers they protect your accounts from " fraud ''. Totally not true. They do everything in their power to rob the consumer as well. 
My employer uses a company called XXXX  for pay. I've had to result to using them. And, they allowed this XXXX company to withdraw over {$1700.00} from my account. I'm in a battle with them to return my funds. I most likely will be evicted from my home because of being totally robbed while working myself to death to build a life for myself. And, someone is literally destroying my life with all this thief. I'm totally broke. I need immediate help. No one is doing anything about these banks. I must note that all my problems began with TD BANK. THEY WERE MY FIRST BANK ACCOUNT. ALL OF THIS BEGAN WITH THEM AND I SHOULDN'T HAVE RETURNED TO THEM FOR BANKING. PLEASE HELP! I'VE TRIED REPEATEDLY TO GET XXXX  TO RETURN MY FUNDS. AS WELL AS TD BANK. I'M AFRAID I MAY NEVER BE ABLE TO BANK AGAIN.

Also, my paperwork is limited because the banks encourage paperless statements. Now, I know why. So, it's harder for you to have statements in hand. When they closed my accounts and blocked them. I was unable to access my statements. Therefore, limited evidence for you to challenge them. I have limited documentation. But, it doesn't make my ordeal less true. Beware of the banks. Some of the thieves are working inside. In my opinion.

Company response to consumer: Closed with explanation