Consumer complaint received 2023-03-23
Company: TD BANK US HOLDING COMPANY
State: FL
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:
Nordstrom Visa Nordstrom Card Services XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX Chargeback Investigations Lead Office XXXX Supervisor- XXXX XXXX I have included the full names and phone numbers on the attached document for your reference Date of fraud/scam : XXXX XXXX XXXX Amount of charge : {$1300.00} Location : XXXX XXXX  Gas station ( closest gas station to the airport XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fake POS device used and fake merchant business name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Nordstrom Visa was notified 24 minutes after my credit card I believed was skimmed at a gas station in XXXX, XXXX XXXX XXXX. I told them as soon as I realized I had been scammed to not pay this merchant and that it was fraudulent. The proof the fake merchant provided to Nordstrom Visa and they accepted was a fake receipt with a time of XXXX. I called Nordstrom Visa at XXXX. The signature on the receipt also does not match my signature. I was at the XXXX XXXX XXXX past security with a boarding pass when the receipt was supposedly signed. I will go into great detail of the sequence of events in the attached file. It will include proof that statements are true, proof that it was physically impossible for me to be at the location of the receipt and how exactly this was pulled off by the crooks. I also reported the crime to XXXX, the XXXX Consumer protection agency. Every interaction I have with this XXXX agency I have made sure to copy XXXX from Nordstroms Visa. I also contacted the hotel we stayed at XXXX and the car rental company to warn them of the scam so they could protect other tourists. 


On XX/XX/XXXX Nordstroms Visa declined my claim. Nordstroms is NOT looking out for their customer. If you pull up my credit report you will see that I have a credit rating of XXXX. I am a law-abiding citizen that will not get taken advantage by a credit card company that wants the easy way out or contribute money to thieves in XXXX. 


I can proof my case in 2 ways : 1. Factually with a timeline of the events. The fake receipt provided by the fake Merchant ( XXXX XXXX ) to Nordstrom Visa happens after I had called in the theft/scam on their fraud line. I have receipts and pictures that place me nowhere near where this fake transaction took place. 

Timeline : - credit card 1st put in POS device at XXXX for gas. Pictures places me at the gas station at the exact time the charge shows on my XXXX XXXX Look at the pictures time stamp and gas pump picture time stamp. I was at the XXXX gas station. 
- My Picture of gas pump : XXXX. 
- Receipt of Car rental return : XXXX at XXXX XXXX Just came from pumping gas. 
- Phone bill showing a call to Nordstrom visa to report the crime : XXXX ( credit card company has a recording of my call where you can hear I was at the airport and reporting to them my credit card was used fraudulently ). 
- My Digital Boarding pass : XXXX shows that I am at the airport - Fake receipt shows signature at XXXX. I was at the airport. The fake receipt shows their address is located 20 minutes away from the airport. I was about to board a flight in the airport. I also have other receipts from my family placing us in the airport at that time. 
- The signature on the receipt is not mine. Look at my XXXXXXXX license. 


2. Proving this is a scam done over and over at this gas station. I have provided to Nordstrom Visa many similar scams for them to see how this all played out at the gas station once I was back in the United States. There is actually one tourist that was scammed at the same gas station with the same POS machine being used ( one that charges to the same merchant- XXXX XXXXXXXX ) on the victim 's credit card statement. 
When at the gas station you believe the POS machine being used is for the XXXX gas station. I found this complaint on XXXX. It happened to them on XX/XX/XXXX. This was 17 days before I got scammed exactly the same way. It is unreal that Nordstrom 's can overlook this proof. 

XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XX/XX/XXXX My review is the same as XXXX XXXX . They stole 3 of our credit card numbers using a secondary CC machine. The employee jept saying that the credit card we gave him didn't work. So we gave him another then a 3rd. Then we gave up and paid in US dollars. This morning we woke up to 3 charges of {$1200.00} ( USD ) to a place called XXXX XXXXXXXX. Too bad we didn't read XXXX before going here on the way to the airport. I'm trying to get a hold of the police to report them. Stay away in case you check here. Also, the overhang says it's XXXX, but XXXX maps calls it XXXX. 

I also just found another tourist complaint on XXXX about the same gas station using the same scam. The only difference is that the POS machine is now charging as a different merchant. The date for this victim was on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Save They've upped the ante. Yesterday we filled our rental car before returning it at the first XXXX towards XXXX XXXX to the tune of {$22.00} US ( {$390.00} pesos ). Stupidly we gave them our credit card ( Visa ), having avoided using it the whole time ( I know, I know, 50 years traveling in XXXX and overseas you'd think I'd learned... ) We'd run out of XXXX deliberately as we were flying out. Beware -- the new scam is they ask you friendly questions : " Are you are tourist or working? Just arriving, orf flying out? " Making friendly small talk to distract you and but it's discern if you are about to board a plane and won't be local and able to return to deal with them. While not looking they ran our chip card through a separate swiper called a XXXX as XXXXXXXX XXXX XXXX XXXX ', charging us an additional {$1300.00} in US dollars. At the airport my Visa emailed me that they had declined the {$1400.00} dollar charge, but I had to make several calls to change my card number. Beware of XXXX XXXX XXXX XXXX XXXX charges appearing on your credit card at this XXXX. 

Edited : XXXX XXXX XXXX XXXX XXXX Please note : At the gas station I was told it was only a hold for the gasoline never a payment and then told the chip on my credit card was broken. I believed the machine belonged to the gas station. Please note in XXXX all merchants have you sign a receipt after a transaction has occurred. That is probably why the merchant turned in the fake receipt to Nordstrom Visa. The merchant ( thief ) was not aware that I had already called Nordstrom Visa prior to the receipt time and was at an airport about to board a flight when they claim I signed the paper. I called Nordstrom Visa to notify them that my credit card had been skimmed as soon as I put together they were thieves. This took place prior to the receipt. Nordstrom Visa has a recording of my call made 24 minutes after the incident where I explain what happened to me. 

Please see the attached files for my proof and for the documentation that I turned into the XXXX Agency.

Company response to consumer: Closed with explanation