Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
CFPB Complaint Against TD Bank Visa Card Services Inaccurate Credit Reporting During Active Fraud Investigation To the Consumer Financial Protection Bureau : I am filing this complaint against TD Bank VisXXXX XXXX XXXX for reporting a late payment to Equifax, Experian, and TransUnion while my account remains subject to an unresolved fraud investigation. In XX/XX/year>, my TD Bank XXXX credit card was lost and subsequently used for unauthorized transactions. I did not become aware of the fraudulent activity until I received and reviewed my account statement in XX/XX/year>. Immediately upon discovering the unauthorized charges, I contacted TD Bank and opened a fraud claim disputing the transactions. Despite being notified that the charges were unauthorized and despite the fraud investigation remaining open, TD Bank reported my account as late in XX/XX/year> to all three major credit bureaus. This negative reporting has damaged my credit profile, reduced my creditworthiness, and XXXX adversely affect my ability to obtain financing. I dispute the accuracy of this reporting for the following reasons : The delinquency is directly related to charges that were reported as fraudulent and remain under investigation. I acted promptly upon discovering the unauthorized transactions and fully cooperated with TD Bank 's fraud department. TD Bank reported a late payment before reaching a final determination regarding the disputed transactions. TD Bank continues to furnish derogatory information despite having actual knowledge that the underlying balance is disputed due to fraud. Additionally, if TD Bank reported this account without indicating that the debt was disputed, such reporting XXXX violate the Fair Credit Reporting Act because furnishers are required to report account information accurately and completely. I request that the CFPB require TD Bank to : XXXX. XXXX a complete reinvestigation of the reported late payment. XXXX. Provide all documentation supporting its decision to report the account as delinquent while the fraud claim remained unresolved. XXXX. Immediately delete the XX/XX/year> late payment from Equifax, Experian, and TransUnion. XXXX. Correct any derogatory information related to the disputed fraudulent charges. XXXX. Confirm whether TD Bank notified the credit reporting agencies that the account was disputed and provide evidence supporting such reporting. XXXX. Provide a written explanation of how TD Bank determined that negative reporting was appropriate while the fraud investigation remained pending. I further request that TD Bank cease furnishing any inaccurate information concerning this account and restore my credit file to the condition it would have been in had the fraudulent activity not occurred. I have attached supporting documentation, including account statements, dispute records, fraud claim information, and copies of my credit reports showing the reported late payment. I expect TD Bank to correct this reporting immediately and provide a written response explaining its actions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX NJ XXXX XXXX XXXX TD Bank Account Ending in XXXX

Company response to consumer: Closed with monetary relief