Consumer complaint received 2025-02-17 00:00:00
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
State: MA

Complaint narrative:
On Saturday, XXXX, 2025, a text message was sent to me by the XXXX XXXX claiming I never paid tolls I owed. It said if I pay it by the XXXX, all will be forgiven but if I fail to pay my license will not be in good standing. This caused me to panic & since I did have reason to suspect maybe a bill never came due to a move, being the responsible person I am I immediately got my credit card out and attempted to settle the fee which was about {$6.00}, to my best memory. When I attempted to use my XXXX card, it was bounced back and wouldn't go through. I recently had a decline with another credit card of mine claiming they did it due to fraud prevention, ( ironic ), I went ahead and tried a different credit card. My TD XXXX  card which had a {$0.00} balance, should go through. Well I put it in twice but the screen didn't complete the process and the thing just kept spinning as if it was going through but not completing the transaction which I wanted for my records. That's when I realized something was wrong. I then checked my accounts and came across a news segment that aired the night before, warning people of an XXXX statewide scam in Massachusetts, phishing for credit card details. This was the XXXX XXXX. Unfortunately they were no help explaining what to do if you've fallen prey, not very helpful news folk. I immediately contacted the credit card to report this, to which the guy did nothing. Since I am awaiting a number of replacement cards that expired, I figured I would monitor the account since I didn't think it went through and TD XXXX  was of absolutely XXXX help. I actually believe now that they were party to what came next, by not insisting on freezing the account and sending a new card. Sure enough my trust was violated and my bank did NOT do their job to protect me. I believe they wanted charges on the card, to pin me with them. Because I rarely use that card. That whole week someone had been using my credit card to buy quite a bit of merchandise, from all kind of retail vendors mostly on-line. I only realized it by Friday that week, because I was sent a text message alerting me to a XXXX purchase, that of which wasn't me. I then found out a thief did indeed obtain my credit card # and info, and wasted no time, making purchases for those few days totaling in the thousands. Had TD froze my card, this would have been prevented as I IMMEDIATELY called and reported this RMV scam. I then put in a formal fraud complaint with TD BANK, to which the first rep was trying to pin the charges on me. I could tell because he was trying to establish a pattern of where I have bought from before. I new what he was doing and told him about the scam and the fact I had called that very day within a minute of realizing it was a scam, and that just because I have bought from a couple of the same retailers, doesn't mean it was me. I was told by a better rep in their fraud division to bring any proof I have to a local branch, which I did bring whatever I could showing this was a scam in the state and that id called TD immediately and they did nothing. The lady there at the XXXX XXXX location took my photocopies and supposedly faxed them to their fraud dept but I have heard nothing and ended up being billed for the fraudulent charges. I did everything I was supposed to. They even said at the branch that many people are falling victim to this, so why aren't they doing actual investigation? If they traced where the purchases were made from, that would prove it wasn't me. Some of the stores I don't shop with. I trusted they have ways of figuring things out, so the customer doesn't end up blamed. I'm not making up the scam. It was on the news just the night before. Unfortunately I was unaware until it was too late. My XXXX card wouldn't tolerate this. They didn't even allow the charge to enter into the card and they removed fraudulent stuff and it's not billed to me. I felt they were trying to stick me with the cost and apparently I am correct. I have stellar credit but I'm not paying for fraud. I have already wronged & decimated by crooked and corrupt individuals, to which I refuse and don't have money to pay for thieves anymore. I have submitted a complaint through this agency in the past but never heard anything. I don't know what happened with agencies that once helped consumers but I hope someone responds to this and assists me sincerely, because I can't see why such entities exist if you're not going to help the public. 
( XXXX ) XXXX XXXX XXXX PLEASE HELP ME? THAT'S MY CONTACT INFORMATION. I respectfully request you call me as soon as possible. Thank you for your time and hopefully assistance. Take care!! 

Have a nice evening, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief