Consumer complaint received 2026-05-26 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: AZ

Complaint narrative:
Formal Rebuttal of Fraud Claim Denial Demand for Executive Review and Preservation of Evidence To Whom It May Concern : I am formally disputing the denial of my fraud claim involving unauthorized Target/TD Bank transactions associated with digital gift card purchases. Your denial letter does not conclusively establish that I authorized these transactions. Instead, the rationale appears to rely heavily on the fact that the purchases originated through my existing XXXX account and related authentication ecosystem. However, use of a compromised account environment does not constitute proof of authorization by the legitimate account holder. The facts and surrounding circumstances strongly support the conclusion that I was the victim of account takeover fraud and broader identity compromise activity. At the time these transactions occurred, I experienced multiple indicators of coordinated fraud activity, including : Unauthorized or suspicious transaction attempts MFA/authentication disruptions Suspicious text messages and extortion-related communications Fraud concerns involving XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , and additional financial accounts Security alerts and suspicious login activity Subsequent fraudulent account impacts and credit reporting harm Additionally, there were subsequent attempted transactions using my Target card that were denied, blocked, or canceled by Target on XX/XX/year>, XX/XX/year>, two separate attempts on XX/XX/year>, and XX/XX/year>. These repeated unauthorized transaction attempts further support the existence of ongoing account compromise activity rather than legitimate authorized use. The pattern of repeated transaction attempts is consistent with fraudulent testing behavior and continued account takeover activity commonly associated with identity theft schemes. I also filed a police report regarding the fraudulent activity and account compromise issues associated with these events ( Police Report # XXXX ). The filing of a formal law enforcement report further reflects the seriousness of the identity theft concerns and my consistent position that these transactions were unauthorized. In particular, the unauthorized Target transactions involved digital gift cards, which are widely recognized within the financial services industry as a common and high-risk fraud mechanism because they are immediately transferable and difficult to recover once redeemed. I would also note that, despite having maintained a Target account relationship for many years, I had never previously purchased online digital gift cards through my account prior to these disputed transactions. The sudden appearance of high-risk digital gift card activity was materially inconsistent with my longstanding historical purchasing behavior and should have warranted heightened fraud scrutiny. Importantly, I am not disputing that the transactions may technically have been processed through my XXXX credentials or associated devices. I am disputing that I personally authorized those transactions. A compromised credential ecosystem is materially different from authorized use. Prior to these disputed events, my credit profile reflected exceptionally strong credit management, including a XXXX score of approximately XXXX. Following the disputed fraudulent activity and resulting derogatory reporting associated with the Target account, my credit score suffered a substantial decline into the XXXX, causing significant reputational and financial harm. I have also reviewed my credit reports, which reflect a long-established history of responsible credit management across numerous creditors over many years without late payments or derogatory reporting. The Target account is a clear and isolated anomaly that arose only after the disputed fraudulent activity and account compromise issues described above. This further supports my position that the disputed transactions were unauthorized and inconsistent with my established credit behavior and payment history. Accordingly, I demand that TD Bank USA and Target conduct a full executive-level reinvestigation and provide all evidence relied upon in denying my fraud claim, including but not limited to : IP addresses associated with all account logins and disputed transactions Device fingerprints and browser/session identifiers Geolocation data and login timestamps Gift card issuance, delivery, and redemption records Records identifying where and when the gift cards were redeemed Internal fraud investigation notes and authentication findings Copies of all evidence allegedly establishing authorization Records of any changes to account settings, MFA methods, passwords , or recovery information during the relevant period I additionally demand preservation of all electronic records, logs, XXXX, internal communications, and investigative materials related to this matter. Because the disputed transactions and resulting reporting have materially damaged both my credit profile and reputation for responsible credit management, I further demand immediate review and correction of any inaccurate or derogatory credit reporting associated with these disputed charges pending completion of a proper investigation. Please be advised that supporting documentation and evidence related to this matter have been or will be provided to : Consumer Financial Protection Bureau ( CFPB ) Arizona Attorney General Consumer Division Federal Trade Commission Identity Theft reporting system Credit reporting agencies Additional applicable consumer protection and regulatory authorities This matter involves significant consumer harm, identity theft concerns, and potential deficiencies in fraud detection and investigative procedures. I request written confirmation that this matter has been escalated for executive review and that all relevant evidence is being preserved. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation