Consumer complaint received 2016-09-29
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
CFPB, C/O TD BANK ATM DEBIT FRAUD CLAIM DEPT. 
RE : XXXX XXXX XXXX XXXX XXXX XXXX FRAUD CHARGES & XXXX FRAUD CHARGES CLAIM # XXXX XXXX - FRAUD MANAGER CC : XXXX FAX TO : XXXX XXXX XXXX TO DEMAND FULL REFUND OF {$48.00} XXXX XXXX, XXXX Hello XXXX AND XXXX FRAUD INVESTIGATION, I spoke to you today concerning cancelling my ATN Debit Card, re-issuing me a new one expediting the matter to send to my overnight in the mail. I am filing a formal fraud dispute for the BANK CHARGES listed on my account WITH TD BANK ATM XXXX FRAUD CLAIM DEPT. AS OF XXXX XXXX, XXXX. The overdraft fee is {$70.00}, and the other charges total {$510.00} = {$580.00} that I demand be credited back to my checking account effective immediately. I am including evidence for my fraud claim, as there are many other consumer fraud reports concerning XXXX XXXX XXXX that people have had charges put on their bank debit or credit cards, listed within the same 2-4 day window on banking statements. These charges are considered to be Telephone crammer scam frauds, and are also being used in affiliation with outside vendor discount programs networks that offer other companies similar discounts for online purchases with other companies, such as XXXX.com which is a charge that shows up on my bill during the same 3-4 day window of charges that I did not authorize on my debit card. XXXX XXXX Fraud Dept. does not answer their phones, they have a message that plays automatically, but then hangs up and you can not leave a message for them. 

XXXX/XXXX/XXXX FEE OVERDRAFT PD View Details XXXX Setup balance alerts {$70.00} Pending Transactions : ( {$3.00} ) XXXX/XXXX/XXXX PURCHASE AUTHORIZATION XXXX {$.00} XXXX/XXXX/XXXX PURCHASE AUTHORIZATION XXXX XXXX {$.00} XXXX/XXXX/XXXX XXXX {$48.00} XXXX/XXXX/XXXX DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$210.00} XXXX/XXXX/XXXX DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$190.00} XXXX/XXXX/XXXX DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$51.00} Here are links cross-referencing the fraud that is being committed with XXXX XXXX XXXX and XXXX ; Employee Discount Program discounts provided by outside vendors Welcome to the XXXX College Employee Discount Program! 
XXXX XXXX XXXX XXXX VIA XXXX FRAUD CHARGES REPORT to XXXX XXXX XXXX, XXXX XXXX, XXXX Just received a XXXX charge from what appears to be your company. 
XXXX/XXXX/XXXX CHECK CRD PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX? XXXX {$680.00} I am stationed overseas and was unable to check my account until today when I stumbled on it. If this is some sort of scam where your information is being used you 've got things to mend. I 've never been affiliated with XXXX in any way. I 've filed a claim with my bank hopefully it get 's resolved and we can get to the bottom of this issue. 

THE PHONE ARCHIVE REPORTS OF COMPANIES CROSS-LINKED SERVICES WITH VENDOR DISCOUNT PROGRAM AFFILIATIONS WITH A LISTING OF XXXX ENTRIES WHERE THESE TYPES OF INCIDENTS ARE BEING RECORDED : XXXX Telephone Number Information data on the Internet XXXX XXXX Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Headquarters ) Toll-free : XXXX : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Toll-free : XXXX ( XXXX Phones ) Toll-free : XXXX ( XXXX XXXX ) Toll-free : XXXX ( XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation