Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Complaint Description for Consumer Financial Protection Bureau ( CFPB )/ Other Agencies Company Name : XXXX XXXX XXXX XXXX ( also operating as XXXX XXXX XXXX ) Company Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My Account Number/Merchant ID : [ YOUR MERCHANT ID ] Nature of Complaint : Unauthorized charges, deceptive fee practices, lack of proper notification for fee increases, and retaliatory collection attempts during an active dispute. Detailed Account of Events : I entered into a merchant services agreement with XXXX XXXX XXXX XXXX. I have not utilized any services or processed any transactions through this account since XX/XX/XXXX. Despite complete inactivity, XXXX XXXX XXXX XXXX has continued to levy recurring and significantly inflated fees, culminating in a recent threat to send my account to collections. 1. Discrepancy in XXXX Non-Compliance Fees : My signed " MERCHANT APPLICATION & AGREEMENT '' ( Page 2 ) explicitly states the " XXXX Non-Compliance Fee '' as {$19.00} per month. However, XXXX XXXX XXXX XXXX has consistently charged my account {$120.00} per month for this fee on the following dates : XX/XX/XXXX : {$120.00} XX/XX/XXXX : {$120.00} XX/XX/XXXX : {$120.00} XX/XX/XXXX : {$120.00} This represents an unauthorized overcharge of {$100.00} per month, totaling {$420.00} for these four months alone, in direct violation of the agreed-upon contractual terms. 2. Unauthorized and Unexplained " Bankcard Monthly Fees '' and Sudden Increases : The contract does not contain a specific fee named " XXXX Monthly Fees '' at the amount of {$150.00}. My statements show varying charges under this general description, which then dramatically increased : XX/XX/XXXX : {$39.00} XX/XX/XXXX : {$39.00} XX/XX/XXXX : {$24.00} XX/XX/XXXX : {$24.00} XX/XX/XXXX : {$24.00} XX/XX/XXXX - XX/XX/XXXX : {$150.00} ( each month ) The sudden increase from approximately $ XXXX {$40.00} to {$150.00} per month, starting in XX/XX/XXXX, is entirely unexplained and unauthorized. The contract states that fee changes will be made available " thirty days prior to the implementation at www.firstview.net ''. However, www.firstview.net is a private, password-protected login portal, not a public notification site. I was not directly notified of this significant increase, and given the account 's inactivity, I had no reason to check a private portal. This lack of transparent and effective notification violates the spirit of the contractual notification clause. 3. Retaliatory Collection Practices and Invalid Additional Fees : Upon formally disputing these charges, XXXX XXXX XXXX XXXX, through their Collections XXXX XXXX XXXX, issued a demand for payment dated XX/XX/XXXX. This demand includes : A " past due processing balance '' ( which is the disputed amount ). A {$60.00} bank return fee ( incurred because I disputed the underlying unauthorized charges ). A {$200.00} collection fee ( added to a debt that is actively and legitimately disputed ). Threatening collection action and imposing additional fees during an active and contractually valid dispute ( within the 90-day notification window as per Section 4, Page 11 of the Terms & Conditions ) constitutes a retaliatory and unfair business practice. Reporting a disputed debt to credit bureaus under these circumstances would be inaccurate and harmful. 4. Pattern of Deceptive Practices ( FTC Enforcement Action ) : I am aware that XXXX XXXX XXXX XXXX was the subject of a Federal Trade Commission ( FTC ) lawsuit in XXXX ( Case No. XXXX ). The FTC found that XXXX XXXX engaged in deceptive practices, including " trapping small businesses with hidden terms, surprise exit fees, and zombie charges, '' and made false claims about low fees. The charges and practices I am experiencing directly mirror the deceptive conduct for which XXXX XXXX XXXX XXXX was ordered to pay {$4.00} XXXX in refunds and cease such activities. Desired Resolution : I request a full investigation into these practices and demand the following : Immediate refund of all overcharged XXXX Non-Compliance Fees ( totaling {$420.00} for XXXX XXXX ). Refund of all unauthorized " XXXX Monthly Fees '' charged from XX/XX/XXXX to XX/XX/XXXX ( totaling {$600.00} ). Waiver and removal of the {$60.00} bank return fee and the {$200.00} collection fee. XXXX cessation of all collection activity and any negative credit reporting related to this disputed account. Formal closure of my account with a XXXX balance. I have sent a formal dispute letter via certified mail to XXXX XXXX XXXX XXXX and have also notified their Collections XXXX directly. I am prepared to provide all supporting documentation, including my contract and bank statements.

Company response to consumer: Closed with monetary relief