Random cheque deposited into my TD account from a business I've never dealt with.
Hi all, looking for advice on a weird situation.
I noticed a deposit in my TD chequing account that I didn't recognize, so I called TD. They told me it was a cheque deposited in person at a branch, made out to my full name, going into my account.
The cheque is from a business I've never had any dealings with. I've never worked for them, bought anything from them, or had any connection to them at all.
TD says the funds aren't on hold and the full amount is available to me. I know that doesn't mean the cheque has fully cleared or can't be reversed later, so I haven't touched the money.
So far:
• Called TD and confirmed it was a branch cheque deposit
• Haven't spent any of it
• No one has contacted me about it (yet)
My questions:
1. Has anyone had this happen? Did it turn out to be a scam (fake cheque, then someone asks for money back) or a genuine mistake?
2. Should I ask TD to reverse it myself, or wait and see?
3. How would someone have gotten my name and account number, and should I be worried about identity theft?
Any advice is appreciated. Thanks!