Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — Store credit 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: AL

Complaint narrative:
This report is just like my complaint with XXXX. Starting on or about XX/XX/year> charges were made on my target card that I did not make these charges were for gift cards and I didnt get any or order any. Target has been contacted several times but have not yet made a decision about this. A police report was filed at the end of XX/XX/year> and Target was included in this police report. I have called and talked to Target numerous times never talking with the same person twice. In fact, its like I have to start over every time I call. I dont know what the problem is, but Target knows that I have never charged anything like this before. Target keeps sending me bills, even though theyve been told. I did not purchase these gift cards and Im not going to pay for them. Target has reported me to the credit agencies and have totally ruined my credit report When this all started my credit was almost XXXX and now its XXXX and something they will not talk reasonably with me. I make no sense out of what they say when we talk Ill be XXXX next month and Im a retired XXXX XXXX. Im XXXX XXXX XXXX and have issues. I have no idea why Target cant understand that I didnt do this. 
This all began around XX/XX/year>. I was contacted by someone claiming to be a fraud representative from XXXX. I did not have a XXXX account at that time. I still dont. This person after much deliberation scammed me with the pretense of helping me find out who was trying to steal money from me. This person used an app on my phone called.XXXX. anyone can get this app through the XXXX XXXX and its free. I thought it was something that would help people resolve their issues but later was told that this is how scammers get your information. Of course I had no idea that this even existed. I am not real savvy when it comes to online issues. This person used the XXXX  I think to get all my information. Im not sure how they got it, but Ive been told thats probably what it was. They used my personal information and stole money from my checking account, my savings account, and charged all kinds of things on credit cards in my name, and even opened some accounts in my name. I had no knowledge that this was going on this person told me that I was being scammed and they were trying to help me find out who did it who was doing it. I dont about this. and Im almost XXXX. All of this is making me sick. I have called Target till Im sick. Target has lied to me saying that they never talk to the police. The police have in their reports that they talk to them on certain days one of those days was XX/XX/year> every time I talk to Target I get a different story. They have completely ruined my credit not that I want to buy anything but its still ruined. it went down over XXXX points. I do not owe Target one XXXX. I have not charged anything on that Target account in a couple of years and all that I ever charged has been paid. Please help me get them to stop charging me and ruining my credit. I am very sorry that I was scammed. Perhaps I wasnt smart enough to avoid it, I dont know. But I dont know. I didnt authorize anybody to charge anything anywhere. Im praying that you will take this case and get it resolved for Me. Im not really even sure how much they say. I owe because they say something different every time I talk to him. I think theres a lot of charges that are late charges back charges interest charges all kinds of stuff that I really dont understand. Im praying you help me and get this resolved so I can just go on and live the rest of my life and enjoy my grandchildren. XXXX bless you for considering my case or cases.

Company response to consumer: Closed with monetary relief