Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
XXXX I purchased a downloadable snow man crochet pattern for {$3.00} from a web site titled XXXX XXXX. The purchase cleared my bank on XXXX. When I received the pattern I noticed the pattern had no picture of the product, the last few rows of the pattern were missing and there was no web site printed on it. This is unusual. 
XXXX I received a text alert from TD Bank stating that a {$420.00} transaction occurred using my debit card. I immediately called customer service at TD Bank to report this transaction as fraud and my card was locked. During the phone call the representative informed me that another {$420.00} transaction occurred immediately after the first transaction, for a total of {$840.00}. I was told that another transaction attempt was made for {$240.00} immediately after that, but my card was locked so it was declined. This transaction attempt occurred while I was on the phone with TD Bank. All of the transactions occurred one right after the other. The representative told me to talk to the fraud department, so I called them and reported the transactions. Right after that I received a text notification from TD Bank asking me if I made a {$420.00} transaction. They had flagged it as a suspicious transaction. I said I did not make the transaction and the fraud department called me right away, so I spoke to them again. I was told that I had to wait to see if those transactions cleared the bank and if they did clear it then I could file a fraud claim. After those conversations I went to my local TD Bank branch in XXXX NH to get a new debit card and reported those transactions to them. 
XXXX The transactions cleared the bank so I immediately filled out a fraud claim on the TD Bank web site. My bank statement said the transactions were made at a web site titled XXXX XXXX XXXX I began XXXX  and searching for this web site and can not find it to this day. This has made it impossible to contact the vendor. The closest I have come is a message saying This website is no longer available. 
XXXX my checking account was given a provisional credit while TDBank investigated the fraud claim. 
XXXX A letter from TD Bank was mailed to me stating they found no error with the transactions and said The transactions appears to be authorized by you, you consented to or benefitted from the transactions. They said they will be removing the provisional credit from my checking account. 
XXXX I called TD Bank concerning this decision, spoke to a customer service representative, and was told I could file a second claim. I asked for the documentation that resulted in this decision. I was told I can fill out a total of three fraud claims on this fraud. 
XXXX An {$840.00} provisional credit was deposited into my checking account while the bank investigates my second fraud claim. 
XXXX The provisional credit of {$840.00} for my first fraud claim was removed from my checking account. 
XXXX I sent an email to XXXX. asking them to look into this further for me. They called me on XX/XX/year> and said they will look into it further. 
They sent me a weblink where I could see the document the bank based their no fraud decision on. 
XXXX I received a paper copy of the evidence. I found many discrepancies. The vendor only accounted for {$420.00}, not the {$840.00} charged to my card. The vendor claims I purchased 120 digital downloads of a snowman crochet pattern at {$3.00} a piece for a total of {$420.00}. I can not understand how anyone can think someone would buy 120 digital downloads of the same product. He also had my email address incorrect. The web site is titled XXXX XXXX XXXX and the business description says I sell different ebooks. 
XXXX I received another letter from TD Bank saying they found no error and it appears I authorized the purchase and/or benefitted from it. I called the bank and filed a third and final fraud claim dispute. I requested that an investigator call me personally. They are supposed to call within 3 days.

I have copies of documents.

Company response to consumer: Closed with monetary relief