Consumer complaint received 2023-06-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The scam began when I listed a bed and bedframe for sale on XXXX XXXX for {$250.00}. I was contacted by a woman named XXXX XXXX ( on XXXX she went by the name XXXX XXXX ) who was interested in purchasing the bed from me. She wanted to pay using XXXX. 
The individual claimed they sent the money via XXXX. Both XXXX ( buyer ) and a convincing email from a fake XXXX customer service email address ( XXXX ) notified me that I must upgrade to a business account to receive my money from the buyer because the buyer paid from a business account. 
I received screenshots of what appears to be the pending payment within the app from this email : XXXX. I called the customer service number on this email and was pressured and convinced that this process was the only way of receiving the pending funds the buyer sent me. 
So, the scammer agreed to send me {$350.00} to upgrade my account if I was willing to refund the amount. I received another email from XXXX stating that my XXXX account was upgraded. Then the customer support person I was on the phone with told me to request the buyers XXXX information to refund the amount she claimed she sent. 
I refunded the money to the scammer, but then I realized that they never sent me any money in the first place. Instead the money I was scammed into sending them was taken out of my account. Then the buyer and the customer support person claimed that the buyer sent me the {$350.00} twice. That was when I realized this is not right and immediately contacted XXXX on their website to report this situation. 
XXXX informed me that the phone number and email recipient I was correcpoting with was not a real XXXX support individual. They also informed me that the moment I sent the payment to a XXXX user, I am not able to stop the payment nor are they able to offer a reimbursement. Therefore, I contacted TD Bank Credit Card Support immediately after to stop this payment and report fraud ; however, I was informed by a representative that they could not stop the payment or report fraud until it was posted. I waited until it was posted to report this scam and file a dispute on the transaction that was posted on my credit card account on XX/XX/2023 in the amount of {$360.00}. However, I received a letter from my bank stating that based on their investigation that they concluded that fraud did not occur. I did not agree, so I filed a credit card dispute claim on XX/XX/2023 and faxed documentation of this fraud to TD Bank credit card department. On XX/XX/2023 I received a letter stating that they concluded that an error did not occur and I must resolve directly with merchant. I believe TD bank should have been able to stop this payment when it was pending but failed to do so and I provided all the information I had to show them what had happened to me and that I was clearly manipulated and scammed by two people in giving them money. 

This has happened to people before me and unfortunately I was unaware of this. This website explains this type of scam that is going around XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief