Credit card -- Problem with a purchase shown on your statement -- Complaint #18744824
Complaint Overview
Complaint ID: 18744824
Company: TD Bank US Holding Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
State: Delaware
ZIP Code: 19904
Date Received: 2025-11-21T12:00:00-05:00
Date Sent to Company: 2026-01-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint regarding unauthorized charges on my TD Bank credit card. While employed at XXXX XXXX in XXXX, I added my supervisor as an authorized user on my credit card strictly for company-related expenses. My supervisor used the card for personal, non-business purchases, totaling approximately {$27000.00}, without my authorization. I did not approve or make these charges. I took the following actions to resolve the matter : My attorney sent a certified demand letter to XXXX XXXX requesting repayment of the unauthorized charges, but the company did not respond. I reported all unauthorized charges to TD Bank and provided documentation, but the bank has not resolved the issue or removed the charges. Interest continues to accumulate on the balance, increasing the financial burden and negatively impacting my credit, even though I am not responsible for these personal charges. I am requesting that TD Bank : Investigate the unauthorized personal charges as fraud Suspend interest and fees on the disputed balance during the investigation Remove the disputed charges from my credit report until the investigation is complete Take appropriate action to address the misuse of the authorized user privileges I have supporting documentation, including credit card statements, correspondence with the employer, and the certified demand letter, which I can provide if requested.
Frequently Asked Questions
What is Complaint #18744824 about?
Complaint #18744824 was filed against TD Bank US Holding Company regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-11-21T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against TD Bank US Holding Company?
Yes, visit the TD Bank US Holding Company company profile at readthecomplaint.com/company/td-bank-us-holding-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.