Consumer complaint received 2022-06-23
Company: TD BANK US HOLDING COMPANY
State: NH
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:
On XX/XX/XXXX, I was using my TD Credit Card at the XXXX XXXX  in XXXX NH when it declined. I immediately called TD Card Services ( @ XXXX ) and first learned of suspicious activity on this card that occurred on XX/XX/XXXX and learned TD Card Services closed my account due to it. I was asked if I made two identical purchases through XXXX on XX/XX/XXXX ( each charge was {$450.00} ) and another purchase that same day, all of which I did not make nor did I authorize, which is exactly what I told the TD Card Services representative. I was told not to worry, the account was closed, it would get investigated and they would send out a new card. On XX/XX/XXXX TD Card Services re-applied one charge to my credit card in the amount of {$450.00} from XXXX. A supervisor at TD Card Services DisputesCenter said they ruled in favor of XXXX because the tracking number did in fact show the package was delivered in or at my mailbox and the IP Address ( XXXX ) came from my town of XXXX NH. The supervisor gave me the tracking number ( XXXX ), the XXXX order number ( XXXX ), the IP Address and the item purchased, a stand-up desk with dual motors XXXX I went to my local USPS and asked for a print out of this package using the above tracking number. I was told the weight of this package was only 0.5 ounces ( the size of a letter ) and was put in my mailbox, assumingly as junk mail. This package originated from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX California XXXX, which belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the shipping partner is XXXX XXXX. Not to mention, USPS ships smaller handheld packages and they have strict weight and size restrictions. Although I can not find any info on the desk listed in the papers sent to me from the TD Card Services Investigation Department, I think I can assume it would be too big for the USPS to even ship. I then called XXXX and asked about order # XXXX and a supervisor informed me they never use letters in their orders. In reviewing the papers sent to me by TD Card Services Investigation Dept, " The Merchant '' listed is XXXX XXXX. When I XXXX XXXX XXXX the first reported fraud case was XX/XX/XXXX, and there have been several that followed. It is not at all a merchant. As for the IP address, it is not mine, I have no idea who it belongs to and I have no association at all with it. I did file a police report with the XXXX XXXX and submitted all this info to the FBI. This has so many red flags and I feel it was never investigated. I have faxed, mailed, and made several phone calls with this info to TD Card Services Disputes Center but I am getting nowhere. I visited 2 XXXX TD Bank locations and spoke to customer service and still got nowhere. Enclosed you will find 2 different tracking reports from the USPS, 4 pages from TD Card Services Investigation dept., a police report, and fraud info on XXXX XXXX. I would like to mention this card was and always has been in my possession only. 
Thank you for your time in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief