A charge labeled “TSD Rental LLC” on your bank or credit card statement is almost always tied to a vehicle you used through a dealership loaner program or a rental agency, billed through a third-party software platform called TSD Mobility Solutions. TSD handles payments for more than 24 manufacturer courtesy-transportation programs and over 250 dealership groups, so its name appears on your statement instead of the dealership or rental counter you actually visited.1TSD Mobility Solutions. Clients The mismatch is what makes the charge look suspicious. Fraud is rare here; unfamiliar branding is the usual explanation.
Why the Name Doesn’t Match Anywhere You’ve Been
TSD processes courtesy-vehicle billing for a long list of manufacturers, including BMW, Toyota, Honda, Ford, Mercedes-Benz, Hyundai, Nissan, Subaru, Volkswagen, Lexus, Porsche, and Rivian. If you dropped your car off for warranty service at almost any major-brand dealership and left in a loaner, TSD likely ran the paperwork.1TSD Mobility Solutions. Clients
The platform also serves large dealership groups such as AutoNation, Penske, Hendrick, Lithia, Sonic Automotive, Asbury, and Berkshire Hathaway Automotive.1TSD Mobility Solutions. Clients And TSD connects to travel booking sites like Expedia, Priceline, Kayak, and Travelocity, so even a rental car booked through an online travel agency can post as “TSD Rental LLC.”2TSD Mobility Solutions. Partners If any of those situations match something you did in the last few weeks, you’ve probably found your charge.
What the Charge Is Most Likely For
A Security Deposit Hold That Hasn’t Released Yet
Rental and loaner providers typically place a temporary hold on your card at pickup, generally between $100 and $500 depending on the vehicle. The hold isn’t a permanent charge, but it can take up to 10 business days after you return the vehicle for the funds to clear back into your account. If you’re checking your statement inside that window, the hold still looks like a real charge.
A Cleaning or Damage Fee Billed After the Fact
Pet hair, cigarette odor, or heavy staining commonly triggers a cleaning fee somewhere between $125 and $450. These get processed through TSD after the vehicle is inspected, so the charge can appear days or weeks after you returned the car.
Fuel Replenishment
Returning the car with less fuel than it had at pickup usually triggers a per-gallon charge higher than pump prices, plus a service fee. Filling the tank on your way back and keeping the receipt is the easiest way to avoid this one.
Tolls
TSD offers a toll-management product that lets dealerships and rental agencies pass electronic toll charges through to whoever had the vehicle at the time.3TSD Mobility Solutions. TSD Toll Connect If you drove through an electronic toll lane without your own transponder, expect a TSD line item for the toll plus an administrative fee. Some agencies route tolls through a separate service called PlatePass, with its own receipts and portal.4PlatePass. PlatePass
Tracing the Charge to a Specific Visit
Look at the date the charge posted and compare it against any dealership service visit, rental pickup, or vehicle return within the surrounding two weeks. Post-return fees for tolls, cleaning, or fuel often show up well after the transaction date, so don’t limit yourself to the exact day.
Then find the rental or loaner agreement you signed. It lists the daily rate, authorized charges, and your responsibility for tolls, fuel, and cleaning. If you don’t have your copy, the dealership or rental counter that handed you the keys has one on file. Ask for it. Your bank will want to see it if the dispute escalates, and comparing the agreement’s terms against the posted amount is the fastest way to tell whether the bill is right.
Pull together the transaction ID, the exact amount, and any return receipts before you make any calls. If tolls are involved, check the PlatePass portal or whichever service the agency uses. Having documentation lined up saves hours of back-and-forth.
Start With the Dealership or Rental Agency
Call the location where you picked up the vehicle first, not TSD. TSD’s contact form is built for business clients and asks for a business name and TSD account number, not consumer information.5TSD Mobility Solutions. Contact The billing desk at the dealership or rental counter is the party that can actually explain, adjust, or reverse the charge.
Reference the exact amount, the post date, and the transaction ID. If it’s a hold that should have released, the dealership can often trigger the release on their end. If it’s a cleaning or fuel fee you think is unjustified, ask for the return-inspection documentation. Many dealerships photograph loaners at check-in, and those photos can work in your favor.
Filing a Billing-Error Dispute With Your Credit Card Issuer
If the merchant won’t fix it, your next step is a formal billing-error dispute with your card issuer. The Fair Credit Billing Act gives you 60 days from the date the statement containing the charge was sent to notify your card company of the error in writing.6Office of the Law Revision Counsel. 15 US Code 1666 – Correction of Billing Errors The notice needs your name and account number, the charge you believe is wrong, the amount, and a short explanation. Most issuers accept disputes through an online portal, though the statute specifically contemplates written notice sent to the billing-inquiry address on your statement.
“Billing error” is defined broadly enough to cover most TSD complaints, including charges you didn’t authorize, charges in the wrong amount, and charges for goods or services not delivered as agreed.6Office of the Law Revision Counsel. 15 US Code 1666 – Correction of Billing Errors A cleaning fee for damage you didn’t cause or a toll on a road you didn’t drive both fit. Even a request for documentary evidence of the charge counts as a billing-error notice.
Once your issuer receives the dispute, it has 30 days to acknowledge it in writing and up to two full billing cycles, never more than 90 days, to investigate and resolve it.6Office of the Law Revision Counsel. 15 US Code 1666 – Correction of Billing Errors During the investigation, the issuer can’t try to collect the disputed amount or report it as delinquent, and you don’t have to pay the contested portion of your bill.
Debit Card Charges Have Much Tighter Deadlines
If the TSD charge hit a debit card, a different law applies and the timing rules are far less forgiving. Under the Electronic Fund Transfer Act, if you report an unauthorized debit card charge within two business days of discovering it, your maximum liability is $50.7Office of the Law Revision Counsel. 15 US Code 1693g – Consumer Liability Miss that window but report within 60 days of receiving the statement, and your exposure jumps to $500.8Consumer Financial Protection Bureau. Regulation E 1005.6 – Liability of Consumer for Unauthorized Transfers Wait longer than 60 days and there’s no cap at all on unauthorized transfers that occur after that window closes.
A $400 unauthorized charge on a credit card gives you 60 days to act with no liability during the investigation. The same charge on a debit card gives you two business days before your exposure grows tenfold. That gap is a big part of why consumer advocates recommend using a credit card, not a debit card, for rental transactions.
When the Charge Is Real but Higher Than You Expected
Most TSD Rental LLC charges are not fraud. They’re real charges from a real transaction with an unfamiliar billing name. The most common version is a dealership loaner used during warranty service: you signed an agreement, drove the car for a few days, returned it, and a week later a charge from “TSD Rental LLC” posted because the dealership uses TSD’s platform.
If the amount matches what you signed for, there’s nothing to dispute. If it’s higher, reread the agreement for line items you may have skipped: per-mile overage charges, insurance waivers, extended-day rates, or fuel and toll fees. Service advisors don’t always walk through every term, and it’s easy to sign without reading the full cost breakdown.
If a legitimate charge just feels unreasonably high, the best path is a call to the dealership’s service manager. Dealerships value repeat customers and often have discretion to waive or reduce cleaning charges, particularly when the evidence is ambiguous. Filing a chargeback on a charge you actually authorized can backfire: the merchant can contest it with your signed agreement, and the bank may side with them.