TD Bank Bank Account Or Service Complaint

TD Bank Bank account or service department,

Other bank product/service Using a debit or ATM card New Jersey

I live in -. .On - - 2015 I visited my grandmother in -. I opened a checking account at TD Bank to deposit a gift she gave me. I received a debit - card as well. It was activated on the spot. I put the card in my wallet, returned home to -, put the card in a drawer and never used it. I returned to - yesterday ( - - ) and opened the bank statements that were waiting for me. Someone had gotten into the account and/or stolen the debit card number and made many small purchases ( the largest was about $440.00 ) from - - until - -. When the balance in the account reached $280.00 they stopped using the card. I immediately took the statements and went to the bank. I canceled the card and closed the account. The bank refused to help. They said that before they could investigate they would need a police report. However, they also said that since 45 days had past since the theft, I was over the permitted time limit and it was no longer their responsibility. I filed a police report immediately. It will be ready in about 10 days. I also filed an affidavit with the FTC. I called - and they explained that the 60 day limit only applied to card theft - the card was not stolen and therefore there should be no limitation to the bank 's responsibility. I called FTC again and they referred me to you. Please note that I live overseas and would prefer to communicate by email only. Any regular postal mail sent to - - - would require the involvement of my - year old grandmother and I would prefer to deal with this issue myself. Thank you. - -