Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Hi, I am filing a complaint regarding my Target MasterCard credit card issuers failure to properly investigate and resolve a billing error involving a materially incorrect charge. 

On XX/XX/year>, I was charged {$2400.00} USD for a XXXX XXXX  booked with XXXX XXXX  while vacationing in XXXX. I authorized a transaction of approximately {$130.00} USD, which aligns with the tours advertised pricing and the current rates published by the tour operator. 

Here is the link to XXXX XXXX current website showing the current quoted price per person of around {$41.00} XXXX Dollars for a XXXX XXXX with XXXXXXXX XXXX XXXX XXXX XXXX The charge posted at an amount nearly 19 times higher than authorized, and is equivalent to what the charge would have been in XXXX pesos based on the exchange rate at the time. The fact that I was charged an amount in US Dollars that clearly is equivalent to what the charge should have been in XXXX pesos clearly constitutes intentional currency conversion fraud. 

The emailed receipt lists the merchant as XXXX XXXX, not XXXX XXXX XXXX despite the fact that the tour was delivered by XXXX Tours and booked through their website ( which no longer exists ). The owner of XXXX XXXX states that he hired XXXX XXXX to run XXXX XXXX XXXX website at the time, and that XXXX made the over-charge and took the money into his bank called XXXX XXXX XXXX, which is how it is shown on the Target credit card statement. Here is a link to the website that we used to book the tour that will clearly show that the website no longer exists when navigating to that site. 

www.atmahatours.com My credit card issuer denied my dispute on the basis that I authorized the charge, ignoring the distinction between authorization of a transaction and authorization of an incorrect or misrepresented amount. This is a billing error under the Fair Credit Billing Act.

I am requesting that the issuer properly re-investigate this dispute as an incorrect amount / misrepresentation case and issue a refund for the unauthorized overcharge.

I have included the following attachments as supporting documentation : - The receipt from the XXXX XXXXXXXX XXXX XXXX XXXX showing the charge of {$2400.00} US Dollars. 
XXXX  A picture of how a XXXX XXXX  at XXXXXXXX XXXX for XXXX people would currently be booked on the current website, coming to a total of {$120.00} XXXX Dollars XXXX XXXX pricing highlighted in yellow. 
XXXX  My credit card statement showing the USD charge of {$2400.00} from " XXXX XXXX XXXX ''. The owner of XXXX XXXX XXXX this is XXXX XXXX XXXX bank. 
- A picture of the now disappeared website that we used at the time to book the tour, clearly showing the website as atmahatours.com. 
- Written communications with the business owner showing his acknowledgement of the {$2400.00} charge being incorrect and his intention to have charged that amount in pesos, not dollars, XXXX Written communication with the business owner showing his acknowledgement of employee XXXX XXXX creating the website, charging the incorrect amount and crediting the charge to her bank called XXXX XXXX XXXX, and the website eventually being deleted.

Company response to consumer: Closed with monetary relief