Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am writing to formally dispute a remaining balance of {$900.00} on my business credit card account resulting from fraudulent activity and incorrect rebilling. TD Bank has failed for the past seven months to fully resolve this issue. XXXX XXXX has refunded only one of these charges, yet TD Bank is treating the matter as resolved. I am requesting that TD Bank permanently correct this issue and refund the outstanding amount of {$900.00}, which represents the second unresolved fraudulent charge.

There were a total of five ( 5 ) fraudulent charges made to my business credit card, all from XXXX, which I did not authorize or make : Fraudulent Charges : -Activity Date : XX/XX/XXXX / Post Date : XXXX XXXX XXXX {$900.00} -Activity Date : XX/XX/XXXX / Post Date : XX/XX/XXXXXXXX XXXX XXXX {$840.00} -Activity Date : XX/XX/XXXX / Post Date : XX/XX/XXXXXXXX XXXX XXXX {$840.00} -Activity Date : XX/XX/XXXX / Post Date : XX/XX/XXXXXXXX XXXX XXXX {$740.00} -Activity Date : XX/XX/XXXX / Post Date : XX/XX/XXXXXXXX XXXX XXXX {$900.00} The first four charges were correctly credited by TD Bank as fraud adjustments : TD Bank Fraud Credits : -Activity Date : XX/XX/XXXX / Post Date : XX/XX/XXXX XXXX XXXX XXXX {$900.00} XXXX -Activity Date : XX/XX/XXXX / Post Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$840.00} XXXX -Activity Date : XX/XX/XXXX / Post Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$740.00} XXXX -Activity Date : XX/XX/XXXX / Post Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$840.00} XXXX Additionally, XXXX XXXX independently credited my account for one of the fraudulent charges : -Activity Date : XX/XX/XXXX XXXX Post Date : XX/XX/XXXX XXXX {$900.00} XXXX At this point, my account should have been in good standing. However, TD Bank rebilled my account, assuming I had been double-credited for the {$900.00} charge : -Activity Date : XX/XX/XXXX / Post Date : XX/XX/XXXXXXXX XXXX XXXX {$900.00} This rebill was incorrect, as there were two separate fraudulent charges in the amount of {$900.00}, not one. 

I subsequently submitted another fraud claim, and TD Bank issued a credit : -Activity Date : XX/XX/XXXX / Post Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$900.00} XXXX However, on XX/XX/year>, I received a letter from TD Bank stating that this credit would be reversed because TD Bank believed I had already received a credit on XXXX. This conclusion is incorrect and fails to account for the fact that there were two distinct {$900.00} fraudulent transactions. As a result, my account now shows a remaining balance of {$900.00}, which represents a fraudulent charge that I did NOT make. 

I am requesting the following : 1. Permanent reversal of the {$900.00} rebilled charge 2. Written confirmation that my account is in good standing 3. Assurance that no further rebilling will occur related to this fraudulent activity I have been diligently working with TD Bank to resolve this matter for over seven months, and I am extremely frustrated by the continued errors. I respectfully request that this issue be reviewed thoroughly and resolved immediately.

Thank you for your time and attention to this matter. I look forward to your prompt resolution.

Company response to consumer: Closed with monetary relief