Consumer complaint received 2023-06-10
Company: TD BANK US HOLDING COMPANY
State: NY
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

Complaint:
Dear Sir/Madam, I am writing to address a persistent issue regarding fraudulent charges on my credit card account. I have invested significant time and effort in resolving this matter through telephone communication, only to be instructed to repeat the process via fax once again. It is worth noting that I had already sent a fax in XXXX ( Subject : XXXX card ending : XXXX ). 
I opened an account/card with TD Bank called `` TD Cash '' in XXXX, after being enticed by their promise of XXXX foreign transaction fees. However, contrary to their initial offer, I have been unjustly charged foreign transaction fees while using this card. I have diligently honored my financial obligations and made timely payments. 
On XX/XX/XXXX, a fraudulent transaction amounting to {$6100.00} ( posting date : XX/XX/XXXX, reference # XXXX ) appeared on my statement. Additionally, on XX/XX/XXXX I incurred a corresponding foreign transaction fee of {$180.00} ( reference # XXXX ) for that fraudulent transaction. Consequently, the total amount of fraudulent charges reached {$6200.00}. 
Upon discovering these fraudulent charges, I promptly lodged a claim with TD Bank Card Services in XX/XX/XXXX ( case # XXXX ). I even visited the TD Bank branch located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, seeking assistance. However, I was informed by the branch manager that TD Bank and TD credit cards operate separately. Therefore, I was advised to contact the fraud department using the number provided on the back of my card, which I had already done prior to visiting the branch. 
Furthermore, I made efforts to reach out to the vendor responsible for the fraudulent charge on my card, demanding immediate repayment of the wrongfully charged amount. Despite my calls and emails, the vendor did not respond to my lawful requests. 
Interestingly, it appears that after TD Bank Services received my fraudulent transaction claim, the vendor responsible for the fraudulent transaction returned a portion of the charges, amounting to {$5900.00} ( reference # XXXX ) on XX/XX/XXXX ( posting date : XX/XX/XXXX ). However, this refund fell short by {$350.00} compared to the original total amount of fraudulent charges on XX/XX/XXXX ( posting date : XX/XX/XXXX, reference # XXXX ). 
To my dismay, TD Bank reinstated the fraudulent charge of {$6100.00} and {$180.00} on my account on XX/XX/XXXX and XX/XX/XXXX, respectively ( reference # XXXX ). This action forced me to pay a total of {$350.00} for the unauthorized fraudulent transactions, despite my multiple calls reporting the issue ( fraudulent transactions ) and my visit to the TD branch office. 
Consequently, I have incurred a loss of {$350.00}, which represents the discrepancy between the fraudulent transactions referenced as # XXXX and # XXXX. I demand full repayment of this amount. Additionally, the cost of faxing the related documents pertaining to Subject : XXXX card ending : XXXX amounted to {$8.00}. Therefore, I also expect to be compensated for the faxing costs, totaling {$8.00}. 
I request your immediate attention to this matter and a prompt resolution that addresses the fraudulent charges, compensates for the incurred loss, and reimburses the faxing expense. I trust that you will handle this matter professionally and ensure that justice is served. 
The math is easy here : {$6100.00} + {$180.00} = {$6200.00} ( ref # XXXX FRAUD ) {$6200.00} - {$5900.00} ( ref # XXXX returned by fraudster ) = {$350.00} LOSS to XXXX XXXX. 
{$8.00} faxing expenses. 
Total amount to be compensated by TD Bank Services for XXXX XXXX : {$360.00} IF TD BANK SERVICES DECIDES TO IGNORE MY LAWFUL DEMAND, I RESERVE MY RIGHT TO SEEK A RESOLUTION THROUGHT THE XXXX JUDICIAL XXXX XXXX XXXX XXXX. 
P.S. On XX/XX/XXXX, I received a letter from TD Bank informing me that allegedly, I must resolve directly with the merchant. Which is an unlawful, illegal solution proposed by the TD Bank Card Services, which also contradicts what the Fair Credit Billing Act states. 
Thank you! 
I hope to see the credit for {$360.00} reflected on my account immediately! 
XXXX XXXX

Company response to consumer: Closed with monetary relief