Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, I noticed that my balance seemed high when I went to set up payment for my credit card. I After review, I noticed 6 fraudulent charges. 
One of the charges still pending XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  {$950.00} ( same amount purchased twice ) XX/XX/XXXX XXXX Unites States XXXX ' XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX still pending when I caught the fraud ) I immediately called, told the rep the card was still in my possession but I did not approve or purchase any of the above. 
The rep told me she would not be able to open up the claim on the pending item and I would need to call back for that one. She cancelled the compromised card and overnighted me a new card. 
On XX/XX/XXXX I realized I never was credited for any of the charges, and I needed to put a claim in on the one that was pending. 
I opened up a claim. 
Claim # XXXX On XX/XX/XXXX I woke up to text notifications of charge backs dating back to XXXX. I saw that the charge backs were for XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$950.00} I immediately called TD Bank and let them know I wanted to appeal, that I felt that these were fraudulent. I told them that I tried to call the numbers provided and could not get through and that when I searched XXXX XXXX I saw a decent number of complaints about them being fraudulent TD reopened the claim under claim # XXXX  XXXX On Saturday XX/XX/XXXX I received the rejection letter from my initial claim XXXX. In that package proof of sale and deliveries were received from XXXX XXXX and a proof of delivery only was received from XXXX. 

When I reviewed the documents from XXXX XXXX I Noticed the following GLARING discrepancies. 
1. ) The name given to XXXX was XXXX XXXX. The name on my credit card is XXXX XXXX 2. ) The apartment given to XXXX  Was apartment XXXX. For security purposes I will not list my apartment here, but that is not the same letter as my apartment, and it is not the same floor 3. ) The email given is an old email that has shown up in a number of company breaches. This email is not the one I use for my purchases or my TD Banking. 
4. ) The IP given was listed as XXXX. My Mobile IP IS through XXXX XXXX XXXX  my home IP is through XXXX XXXX 5. ) And this the most important, the items were all shipped to an address in the XXXX, not to my address is XXXX, XXXX. ) The tracking numbers show all of the orders being delivered to the XXXX most of them being signed for by a person named XXXX, one of them being fraudulently received by XXXX XXXX. 
XXXX. ) The XXXX delivery shows a picture in the POD and that is not a picture of my apartment door. 
I have lived in my apartment for 20+ years, I know that without the correct apartment is associated with my account, and its part of my legal address. A charge should have never been approved with the partial address being provided. A change should have NEVER been approved with a name different than shown on the card. 
I have no association with the address in the XXXX. I have never lived in the XXXX. I do not have any friends or family that live in the XXXX. And I can attest I do not know anyone who lives at the address shown on the XXXX XXXX. 
Part of the main reason I use the TD Bank Card ( out of my many credit cards which are current and used responsibly ) is because of the XXXX ZERO Liability Policy. I can not fathom how I am being held LIABLE for charges when Im supposed to be protected under this policy. Especially since the evidence provided by the vendor is not my complete legal address or name and is not associated with the email I use for my TD BANK card? 
I feel that TD Banks customer representative not filing the claim when I called on XX/XX/XXXX cost me very valuable time in this dispute. I feel that TD Bank is being lazy in reviewing the items of not having the correct FULL address, incomplete name and different ship to and is not looking out for their customer who they promised had Zero Liability in Fraud. 

I am including back up documents with XXXX and XXXX Proof of deliveries showing delivery to address in XXXX NY. 
I am showing back up documents from XXXX showing incomplete/incorrect billing address. 
I do not have order back up for XXXX, other than proof of delivery to XXXX NY via XXXX  XXXX That this is a clear case of fraud and identity theft against me and that they are taking the easy way out because my street address is correct. They are not fighting for me despite having been a loyal credit card customer with no issues for 7 years and a loyal banking customer with XXXX checking accounts open with no issues for over TWENTY YEARS. 

TD Bank has a dishonest history with their coin scam ( which they lost a class action suit ), and their overdraft scams, and now this has left me completely without faith for this institution. I WILL Be closing out all accounts after this is resolved as they have been very unhelpful. The customer service reps have been kind an compassionate but that doesn't help me deal with {$4300.00} in fraudulent charges.