Consumer complaint received 2026-01-29 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: NY

Complaint narrative:
In late XXXX and early XX/XX/year>, my TD Bank credit card was charged {$2800.00} across XXXX fraudulent in-person transactions at locations in New Jersey and Texas where I was not present. 

FRAUDULENT CHARGES : - XX/XX/year> : {$800.00} at a merchant in XXXX, NJ - XX/XX/year> : {$790.00} at a merchant in XXXX, NJ - XX/XX/year> : {$800.00} at a merchant in XXXX, NJ - XX/XX/year> : {$450.00} at a merchant in XXXX, TX MY ACTUAL LOCATIONS : On XX/XX/XXXX and XXXX, 2025, I was at my home in XXXX, New York- not in New Jersey. On XXXX  XXXX XXXX, I was on a business trip in XXXX, Washington. I have XXXX Maps location history data, a hotel receipt from XXXX XXXX, and boarding passes proving I was in XXXX during both the XX/XX/XXXX New Jersey charge and the XX/XX/XXXX Texas charge. 


TIMELINE OF EVENTS : XX/XX/year> : Discovered these charges while heading to the airport for a month-long trip to XXXX. I immediately contacted TD Bank to report the fraud. At that time, I believed I still had the physical card with me, but upon returning from my trip, I could not locate it. 

XX/XX/year> : Filed formal fraud dispute claim with TD Bank, which was assigned claim number XXXX. 

XX/XX/year> : TD Bank denied my claim stating : " You advised your chip card was in your possession, during an in-person transaction. '' This denial completely ignored the evidence showing I was physically unable to make these purchases. 

XX/XX/year> : Went to a TD Bank branch to complete and sign their affidavit of forgery form, providing detailed information about the fraudulent charges. 

XX/XX/year> : TD Bank sent acknowledgment letter for a new claim number XXXX, confirming receipt of my dispute for the {$2800.00} in fraudulent charges. 

XX/XX/year> : Contacted my XXXX XXXX XXXX 's office seeking assistance. 

XX/XX/year> : XXXX office recommended contacting the XXXX XXXX Attorney 's fraud unit. 

XX/XX/year> : Emailed the XXXX XXXX Attorney XXXX XXXX XXXX XXXX at their fraud unit. 

XX/XX/year> : Reviewed the details of the case on a call with the XXXX XXXX XXXX XXXX XXXX XXXX stating they could not assist with this matter. 

XX/XX/year> : Retained an attorney to help resolve this issue. 

XX/XX/year> : Attorney drafted formal demand letter to TD Bank requesting they reopen the claim and issue full credit. 

XX/XX/year> : Attorney sent demand letter to TD Bank via both email and certified mail. 

XX/XX/year> : Attorney confirmed TD Bank had not responded to the demand letter. 

XX/XX/year> : Participated in phone call to TD Bank with my attorney present. TD Bank representatives stated they could not do anything and would not reverse their denial. 

XX/XX/year> : Attorney advised continued follow-up would be necessary but acknowledged the bank was being extremely difficult. 


EVIDENCE PROVIDED TO THE BANK : - XXXX XXXX  XXXX data showing I was in XXXX, NY on XX/XX/XXXX and XXXX, 2025 - Hotel invoice from XXXX XXXX showing I stayed there XXXX XXXX XXXX  - GPS data showing my presence in XXXX on XXXX XXXX XXXX, when charges occurred in New Jersey and Texas XXXX Credit card XXXX showing the disputed transactions - Completed and signed affidavit of forgery for these transactions ATTEMPTS TO RESOLVE WITH OTHER ENTITIES : - Attempted to file police report at my local XXXX XXXX, but was told the bank must first acknowledge it as fraud before they could take a report - Attempted to file police report at another XXXX XXXX, but was told I must file where I discovered the fraud ( my home ) - Contacted my XXXX XXXX Member 's XXXX XXXX Contacted XXXX XXXX Attorney 's XXXX Crimes Division, who stated they could not help with this type of case - Made multiple phone calls to TD Bank customer service including one with my attorney present - Visited TD Bank branches in XXXX XXXX times, including my local branch Retained private attorney who sent formal demand letter ADDITIONAL CONCERNS : The bank 's reasoning is circular and contradictory. They state the card was " in my possession '' during an " in-person transaction, '' but this is physically impossible given the documented evidence of my location. I was in XXXX, Washington on XXXX XXXX XXXX, yet charges appeared in both New Jersey and Texas during this time. The bank has provided no explanation for how I could be in XXXX while making purchases in New Jersey and Texas. 

Even after providing extensive documentation, completing their affidavit, hiring an attorney, and participating in a phone call with the bank while my attorney was present, TD Bank refuses to acknowledge the clear evidence of fraud. They appear to be denying the claim based solely on the chip being used, without any consideration of the substantial evidence proving the charges were fraudulent. 

I have exhausted all reasonable avenues to resolve this directly with TD Bank and through local authorities. I have been stuck with {$2800.00} in fraudulent charges for nearly a year despite providing clear, documentary proof that I did not and could not have made these purchases.

Company response to consumer: Closed with monetary relief