Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit 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: ID

Complaint narrative:
This letter is to comprehensively define the fraud charges that were made on my XXXX XXXX XXXX beginning in XXXX of 2025. It will address the issue of your companys poor responsiveness to my immediate reporting of the fraud and your denial to reverse the entire amount of fraud charges to my credit card. This in-action has resulted in my credit rating declining due to carrying an extremely large balance over in the fraud charges on your credit card. 

I can not believe that you would treat a long-term customer and supporter of your company with such poor service and inattention to a serious accounting issue. 

On XX/XX/year>, I discovered that my card had been compromised to the amount of {$7600.00} and XXXX separate charges. The charges were incredibly obvious as they were to a British grocery company, XXXX and were all in amounts under {$150.00} for what seem to be cash. 

I immediately called your fraud department line and had them cancel my card. At that time, I went through the legitimate charges to the card in the amount of {$470.00}. I had inadvertently only paid the minimum on my previous statement and the amount of {$470.00} was rolled over into my statement dated XX/XX/year> along with all the fraud charges. 

I was told by your representative to only pay the charges that I had made along with the previous balanced rolled over. On XX/XX/year> I paid {$680.00} on my account for actual purchases I had made. 

I received a new credit card and continued to use the card with the understanding that the fraud charges would be reversed. On or around the end of XXXX I FINALLY was sent your fraud charges form which I completed and designated the fraudulent charges on a copy of my statement from XX/XX/year>. 

I called several times to try and get updates on the reversal of the charges as I was continuing to receive statements with the rolled over balance including the fraudulent charges. At this point I discontinued using my credit card completely. 

On my XX/XX/year> statement I realized that there were still XXXX new charges from XXXX on my statement totaling {$360.00}. I immediately called to report these charges while also inquiring about the XXXX XXXX  charges that had been reversed in this statement. I asked why they had not reversed the entirety of the XXXX XXXX fraud charges that had been made totaling {$7600.00}? The person I spoke to then related to me the timelines that allowed XXXX to deal with my fraud case but never gave any indication of why they may have only dealt with a partial amount of the charges. 

On XX/XX/year> I paid the remaining amount I owed of {$290.00} on the rolling balance of the fraud charges. All the charges were legitimate on the XX/XX/year> statement so I paid {$1800.00} on XX/XX/year>, which was the entire amount of charges that I had made during that billing period. 

On the XX/XX/year> statement I made only XXXX purchase for XXXX which was auto pay that I had failed to cancel. I paid {$500.00} on account, to show good faith and pay the interest charges which were not even from charges I had made. 

On XX/XX/year> I received a letter from Target stating that they had credited my account {$2800.00} of unauthorized fees and interest charges, but did not address the issue with the remaining balance of {$4700.00} from {$7600.00} When I received my XX/XX/year> statement on the new replacement credit card you sent, I discovered once again that that card had been compromised. The card had charges on it that looked legitimate but were amounts from old statements I had made earlier in the year. I had at this point changed all the auto pay accounts to another card so the charges that were made on the statement in the amount of {$610.00} were all spoofed and fraudulent. 

I called on XX/XX/year> after receiving my statement to report these charges and tried to find out where the money specifically charged to XXXX XXXX XXXX twice on XX/XX/year> had gone as my electric company had given me the bank account information as to where their auto payments are deposited. Unfortunately, your representative did not have access to the information but did notice that all the charges began with an F which she related was not the process and were in fact likely fraud charges. 

This new card was also cancelled, and I asked the representative about closing this account as it was obvious there was some issue with the system token being compromised. She related that if I wanted to continue to pursue getting the charges reversed, I had to keep the account active but when I received my replacement card, I should not activate the card. This is the course of action I followed. The new card which has not been activated ends in XXXX. 

I am not sending copies of all my statements as I assume you have access and can verify all the information I have given you in the letter. 

I reported this entire situation to the Consumer Financial Protection Bureau and immediately froze all access to my credit information. 

I have continued to pay the minimum balance on these fraudulent charges even though I have learned that I am only responsible for {$50.00} in fraudulent charges. I think I am well over that amount. 

I want the entire amount of my current balance of {$5300.00} taken off as these are all fraud charges and have been reported SEVERAL TIMES as such. If you do not remedy this issue immediately, I will be retaining a credit fraud lawyer and asking for more than just this balance, due the impact on my credit history. 

I cant tell how disappointed I am in your company and how they have handled this entire situation which should have been immediately resolved in XXXX of this year. 

I have moved all my business to your competitor who, when faced with the exact same situation a few years ago, immediately credited my account and reversed all fraud charges. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief