Consumer complaint received 2025-05-27 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: VA

Complaint narrative:
This is a Target MasterCard, good anywhere. I physically am in possession of my card, but my card number was used fraudulently in XX/XX/XXXX. As soon as I received my XXXX statement, I saw the fraudulent charges and called Target MC Customer Card on XX/XX/XXXX to report the fraud. They said all transactions would be credited and I had XXXX financial liability. They issued a new account/new card. XXXX 's statement I see some of the fraudulent charges reversed, some not and carry over to the new card number ; also incurred a late fee and interest. I called again on XX/XX/XXXX to report the issue. XXXX 's statement, more of the same. On XXXX, I asked to speak to a XXXX XXXX supervisor " XXXX '' who reviewed everything, admitted they ( TD Bank/Target ) mishandled this from the start as it should have been marked/processed at fraud and it wasn't. He was turning it " back over for reprocessing. '' He sent me a " fraud questionnaire '' ( which I fax 'd back to them on XXXX ). I told him my credit report was now being impacted, and he suggested I make the minimal payment to avoid negative impact. I told him that I'm on a budget and I don't have {$170.00} to just " loan '' Target MC for months while they fix their error and investigate the fraud. ( I didn't make a single charge to this card, so why am I paying a dime? ). XXXX 's statement, more interest and late fees. Spent literally XXXX minutes on hold ( and disconnected twice ) to speak to a Fraud supervisor " XXXX '' who said she sees they've received my fraud questionnaire, but they'll need XXXX more days to investigate. She couldn't guarantee they'd reverse the negative reporting to the credit agencies. 

I have called MONTHLY since XXXX, and TD Bank/Target MC has mishandled this from the beginning. Their own Billing Rights listed on the back of the statement say : " While we investigate whether or not there has been an error... we can not try and collect the amount in question, or report you as delinquent on that amount. '' And yet they are. 

I haven't used this cc personally since XXXX, so none of my personal authorized charges are co-mingled with these fraudulent transactions. I have, since XXXX, asked for the following resolution : XXXX ) XXXX XXXX liability - all charges, late fees, and interest charges reversed ; XXXX ) corrections made to my credit report with all three reporting bureaus - I am not late on this account, I had no balance, no negative reporting at all ; XXXX ) once the fraud investigation is completed, the newly issued card should be re-activated for personal use again. 

This is a very simple, straightforward case and it's taken XXXX months and at least XXXX hours of my time to remedy. They have mishandled fraud from the onset, they have violated my Billing Rights as stated in their own terms/conditions, and they are now impacted my credit score/history.

Company response to consumer: Closed with monetary relief