Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank mobile app login failure business credit card and personal banking access. Filing as a new complaint specifically about the mobile app login failure, which is distinct from CFPB Complaint # XXXX filed XXXX ( regarding the same business credit card 's profile-provisioning defect on the desktop interface ). That earlier complaint has been partially resolved the credit card is now visible from the desktop business banking profile. The mobile app login failure is a separate, older, and still entirely unresolved defect. Timeline of the mobile app issue : - XX/XX/year> : I first contacted TD Bank ( call center XXXX ) reporting that the TD mobile app would not allow me to log in to either my personal or my business profile. TD opened an internal support ticket and committed to follow up. - XX/XX/XXXX XX/XX/XXXX ( today, 18 days ) : Zero follow-up from TD. No call. No email. No portal message. No SMS. No written confirmation of any kind. The mobile app remains completely non-functional for login. - XX/XX/year> : During a separate three-call sequence about the business credit card profile-provisioning issue, I reached TD Floor Supervisor XXXX ( TD case XXXX XXXX ). The mobile app login problem was raised again. No path to resolution was offered for the mobile issue ; XXXX confirmed the floor-supervisor tier has no written-communication capability. XXXX quoted a XXXX hour turnaround for the related profile-transfer. - XX/XX/year> : CFPB Complaint # XXXX filed regarding the credit card profile issue ( a related but separate defect ). TD has not yet responded to that complaint either. - XX/XX/year> ( today ) : Mobile app login still broken. Four days past XXXXXXXX XXXX 72-hour quoted ceiling ( 7 days since the XX/XX/XXXX call ). Eighteen days past the original XX/XX/XXXX mobile-app ticket. Still zero proactive written communication from TD on either the mobile-app defect or the profile-transfer status. Operational harm : I have two recurring business charges scheduled to land on the TD business credit card this week ( Anthropic {$100.00} on XX/XX/XXXX, XXXX {$140.00} on XX/XX/XXXX ). Because I can not see this card on the mobile app, I can not monitor or approve real-time transaction alerts while away from a desktop. This forces me to keep a desktop physically available to manage business cash flow an unreasonable accommodation for a card that should function across all standard TD banking interfaces. The TD card also carries a {$400.00} sign-up bonus contingent on {$3000.00} spend by XX/XX/XXXX, which the mobile-access failure places at elevated operational risk. This complaint is filed in parallel with CFPB # XXXX. The two complaints address related but distinct defects : the prior complaint targets the credit card profile/visibility provisioning on desktop ( partially resolved ) ; this complaint targets the mobile app login defect ( entirely unresolved, older, never acknowledged in writing ). Reference : TD case # XXXX related CFPB case # XXXX

Company response to consumer: Closed with non-monetary relief