Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to dispute a collection action initiated against me by TD Bank for late payments. I paid off the entire balance of my Home Equity Line of Credit ( HELOC ) through a wire transfer of {$160000.00} on XX/XX/year>, at XXXX XXXX. This payment, which was intended to settle my account, has not been credited, causing significant distress and financial uncertainty. 
On XX/XX/year>, I closed on a refinancing loan with XXXX XXXX, which included an agreement to consolidate my debts. This cash-out refinancing was intended to pay off my mortgage with XXXX XXXX XXXX my HELOC loan with TD Bank XXXX and other bills. All of the other accounts were paid of successfully. XXXX XXXX sent a wire transfer to your bank on XX/XX/year>, for {$160000.00} to settle the loan. Unfortunately, this payment was mistakenly credited to the wrong account. 
Despite this payment being made, by XX/XX/XXXX, my XXXX account had not been credited. I contacted XXXX XXXX  to alert them to the issue and then reached out to TD Bank. A representative named XXXX acknowledged that the payment was received but was uncertain why my account had not been credited. He transferred me to a supervisor named XXXX at ( XXXX ) XXXX XXXX, to whom I provided detailed information about the situation. XXXX promised to look into it and would call me back. 
XXXX days later, XXXX informed me that he was waiting for a call back from XXXX XXXX at XXXX Mortgage regarding this matter. I continued to follow up with TD Bank, speaking with the following representatives on the corresponding dates : - XX/XX/year> : XXXX - XX/XX/year> : XXXX - XX/XX/year> : XXXX XXXX - XX/XX/year> : XXXX - XX/XX/year> : XXXX - XX/XX/year> : XXXX - XX/XX/year> : XXXX - XX/XX/year> : XXXX - XX/XX/year> : XXXX - XX/XX/year> : XXXX - XX/XX/year> : XXXX XXXX I have been in regular contact with XXXX XXXX from XXXX Mortgage through both phone calls and emails. He has informed me that XXXX XXXX  has filed complaints with the XXXX District Attorney, TD Bank, and the FBI regarding this issue. According to XXXX XXXX, XXXX XXXX, a TD Bank representative, stated on XX/XX/XXXX that " the wire was rejected and returned by TD Bank to XXXX XXXX XXXXXXXX XXXX XXXX  Account, '' which is inaccurate. 
I have filed complaints with TD Bank ( Complaint # XXXX ) and the New York State Attorney General ( Complaint # XXXX ). I am currently awaiting their responses. 
On XX/XX/year>, XXXX from TD Bank assured me she would inform the collections and fraud departments about the larger issue under investigation and would ensure that collection outreach would be discontinued. You can reach her at ( XXXX ) XXXX or by email at XXXX. 
On XX/XX/year>, I received a letter from TDs collections department regarding late payments, mentioning the possibility of foreclosure. I am requesting that TD Bank rectify this matter by crediting my account for the wire transfer, and contact the credit bureaus to remove the negative reporting. I await your response.

Company response to consumer: Closed with explanation