Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge 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: NY

Complaint narrative:
I was very confused because I had already exclaimed numerous times and different occasions with TD Bank customer representatives that I never received this credit card in the mail nor did I use the card, it was reported stolen and TD Bank refuses to comply with the law enforcement when I myself and the detectives contacted them for information which was full street addresses and time stamps of the transactions so they can pinpoint where exactly where the first transaction begun and they could not provide this. I have filed two disputes and each time the company states they can provide such information and will conclude their own investigation, but I have never received anything of that nature nor have they actively investigated because I was told by a customer rep that they wont do a investigation because I never filed a police report which I did do with the zoned Precinct. With all this back and forth, I have exclaimed to TD Bank that Ill be taking legal action against them regarding this situation. Out of retaliation TD Bank has been adjusting the amount of the credit card debt to mess up my credit score. One minute the card shows {$300.00} out of {$300.00} for the months of XXXX and XXXX then all of a sudden on XX/XX/XXXX I see the amount change to {$340.00} out of {$300.00}. When I contacted TD Bank I was told its an error, not too worry about it. Then on XX/XX/XXXX I see an increase up to {$390.00} out of {$300.00}, I called TD Bank immediately after I got off of work. A customer representative I spoke with on XX/XX/year> disclosed that the reason there was an annual fee charged for XXXX is because someone didnt do their job which were her exact words. She then stated that she did see the that all the missed annual fee payments were made in XXXX and that the company removed the credit card from my TD Bank account but for some odd reason theres an annual fee charged for XXXX and the only answer to that is that someone never reported to the credit department that the company did in fact removed the credit card from my account in XXXX and that the payment were made. My response to this was that the balance remained the same amount ( XXXX out of XXXX ) through XX/XX/year> until in XX/XX/year> I received a notification form XXXX XXXX so I contacted the bank immediately to find out what was going on. I got transferred three times and was told each time Im bringing transferred to a supervisor but then would get a regular customer rep from the company on the phone. This highly unacceptable and clearly an abuse of power by trying to have me take the fault for something I never did and then using their power to shut me up for calling out their misconduct and laziness when it came to them doing their job which was finding out who stole my card. Also not to mention that when I was request to speak with a supervisor, Im told none is available or put on hold for a very long time. Also I have notified the bank not to call me during the day because I can not answer the phone while Im at work and that Im available to take calls after XXXX but they still continue to call me during my hours of work. One time I received a phone call and the customer rep was speaking so fast so I politely asked her to slow down because I could not understand anything she was sayingI then hear eerie sounds and the customer rep saying oh I cant hear you but you can hear me so Im going to hang up and you can try again later. Im not sure what kind of games TD Bank is playing with their customers and their money. To the point that they are tampering with numbers is highly unprofessional.

Company response to consumer: Closed with explanation