Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7237609
Complaint Overview
Complaint ID: 7237609
Company: TD Bank US Holding Company
Product: Credit card or prepaid 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: New York
ZIP Code: 11361
Date Received: 2023-07-11T12:00:00-05:00
Date Sent to Company: 2023-08-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
on XXXX XXXX XXXX XXXX XXXX received a text from XXXX : Suspicious activity detected at XXXX XXXX XXXX for {$1900.00} if valid replay VALID, if fraud replay FRAUD. Replay STOP to Stop. have never experienced such and was not sure this was Fraud or Phishing text message so at XXXX XXXX call XXXX the number on the Credit card and spoke to XXXX XXXX and asked her was the message form TD Bank and she said it is. I immediately informed her it is definitely FRAUD, and I did not make those charges. XXXX XXXX said she will close the account and issue a new account and a new card will be send out. XXXX XXXX also said she will put in a challenge to these charges. I informed her that I have not use the card for a while and the last charge I placed on this card was XX/XX/XXXX on XXXX for {$2.00}. I told her the reason I have not use the card because TD Cash card now charges foreign transaction fees and the initial reason for applying for the card is because there was NO foreign transaction fees. I also texted back on XXXX XXXX to the text with the response of FRAUD I have applied to all three credit monitor agency for Fraud monitor, started Federal Trade Commission, Identity Theft.gov and send in the FTC Fraud letter to TD Cash / TD Bank. since then I have spoken to many TD Cash Credit / TD Bank customer services and asking them why I am still being billed for these charges, when I the card holder have call, text and spoken to TD Cash customer services that it is FRAUD and I did not make these charges, most of the TD Cash / TD Bank customer services will said, I will put in a challenge to these charges and the case is still under investigation. I have send and faxed to TD Cash Credit / TD Bank proof that I was in XXXX XXXX XXXX and no where in Colorado. I send in New York XXXX XXXX transaction to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX receipt, XXXX XXXX XXXX receipt and my phone GPS location, clearly showing I was in New York XXXX. I have also requested a letter stating that I have called in on XX/XX/XXXX ( Tuesday ) and reported as FRAUD, texted back as FRAUD, my account was closed, a new account was issued and new card was send out, and all my contact information was correct. I have spoken to many TD Cash /TD Bank customer service and to date I have yet to get the letter I request. This letter is clearly stated on Federal Trade Commission, IdentityTheft.gov web site. It is just been a frustrating experience dealing with TD Cash Credit Card / TD Bank.
Frequently Asked Questions
What is Complaint #7237609 about?
Complaint #7237609 was filed against TD Bank US Holding Company regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2023-07-11T12:00:00-05:00.
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 or prepaid 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.