I was defrauded of $11,616 in six unauthorized eBay charges shipped to my address under a stranger's name — "Chad Smith." I did the impossible: identified the compromised eBay account, closed 23 years of account history, gave the physical MacBook to Pennsylvania State Police as evidence, filed with the FTC, submitted Ring footage of the porch-pirate pickup crew, and now have a Trooper offering to call TD directly to verify the fraud.
TD's response? Two months in, they reversed the provisional credit on the strongest-evidenced $2,913.94 charge — the one with a police-held device and a matching invoice in someone else's name — and offered no written explanation of what evidence they relied on to do it, as Regulation E requires.
Then their dispute fax line dropped mid-transmission of my documentation. Then their $1,200 spending alert (that I had set up and a rep confirmed) failed to trigger on any of six fraudulent charges, including a single $4,451 one.
I've faxed. I've called. I've written. I've been polite. I've cited regulations. TD's position is that provisional credits are "temporary and subject to final review." Apparently police custody of the stolen goods is not persuasive.
If TD Bank will side with the fraudsters against a documented victim on this record, imagine how they'll handle your fraud claim. Move your money. I am.