Consumer complaint received 2026-02-09 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:
TD Bank has violated Fair Credit Billing Act / Regulation Z ( 12 CFR 1026.13 ) and Consent Order XXXX by charging late fees and interests, collecting debt, and damaging my credit reports while investigating a {$230.00} billing error ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on credit card ending XXXX. I reported billing error on XX/XX/XXXX and asked TD not to replace card but TD failed to honor my risk-mitigation request. TD took no action on the billing error, so I had to report it again on XX/XX/XXXX. TD acknowledged receipt of my dispute on XX/XX/XXXX but issued fast denial within XXXX hours on XX/XX/XXXX without reasonable investigation, baselessly claiming that online banking logins and attempts to check direct deposits and wire transfer were proof of authorized credit card transactions. 

By XX/XX/XXXX, I was bounced among a dozen representatives with misleading and hostile runaround service failures and unfair blame shifting. Despite clear request for fair resolution, I was repeatedly transferred, disconnected, and suppressed from internal escalation and external reporting. They claimed not knowing Regulation Z, CFPB, OCC, TD Executive Office, or asked me not to turn to regulators, sent me replacement cards against my wish, then blamed me for reporting billing error XXXX cards ago. TD has no knowledge/record of various blocked transactions after XXXX on XX/XX/XXXX, and cited the lack of continued card usage as reason for denial, then asked me to upload TDs own email and text alerts on blocked, foreign, and fraudulent transactions to start secondary review. 

So far, TD has failed to provide resolution or escalation path over XXXX hours of phone calls and XXXX hours of branch visits, despite XXXX XXXX at TD XXXX branch calling the billing error cut-and-dry fraud as holiday approached upon examining and uploading evidence during my branch visit on XX/XX/XXXX. TD did not acknowledge secondary review that started XX/XX/XXXX until XX/XX/XXXX. TD credit dept complied with my request to close card on XX/XX/XXXX and promised that provisional credit will be issued to my account soon and could hit my credit card any time by then. TD branch staff said on XX/XX/XXXX that credit card closure meant acknowledgment of billing error and discontinuation of collection. However, the promised provisional credit never arrived. Instead, TD charged late fees and interests, collected disputed amount plus penalties totaling {$270.00}, and damaged my credit bureaus reports by the {$270.00} balance while secondary review was pending, in direct violation of Regulation Z. 

I received unauthorized account login requests via TD passcode texts and calls on XX/XX/XXXX and reported them to TD who acknowledged password leakage and security breaches. XXXX XXXX XXXX Team then locked me out of account access. I repeated my request of permanent closure of all TD accounts. However, the account lockout has prevented me from knowing my account status. When I called TD on XX/XX/XXXX trying to understand account status and follow up on promised credit provision, XXXX rep admitted not knowing FCBA or Regulation Z while another said provisional credit is typically issued by payment due date during investigations. I requested a callback from fraud resolution but since I left a voice mail to a missed call by XXXX, TD has remained silent without transparency and moved on to charge late fees and interests, collect disputed debt, report such debt to credit bureaus, and threaten to report delinquencies as documented by TD letter on XX/XX/XXXX. 

In sum, I have acted promptly, in good faith, and with evidence to report billing error and mitigate losses, while TD demonstrates legal and process violations and failure to adhere to cardholder protection agreements. Voice recordings of relevant calls and branch visits are available upon request. As a scholar in law and finance with top publications ( e.g. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I believe regulatory review of TD is warranted to ensure compliance with FCBA and Regulation Z consumer protections. 

Attachments : XXXX XXXX XXXX XXXX  Report by Plt. XXXX XXXX # XXXX with Case # XXXX regarding the TD credit card billing error. 
TD Bank letter dated XX/XX/XXXX acknowledging receipt of initial dispute XXXX. 
TD Bank letter dated XX/XX/XXXX denying initial dispute XXXX. 
TD Bank letter dated XX/XX/XXXX acknowledging secondary review XXXX filed XX/XX/XXXX. 
TD Bank letter dated XX/XX/XXXX collecting {$270.00} credit card debt with late fee and interest and threatening to damage my credit bureaus reports. 
My credit reports by credit bureaus showing {$270.00} debt reported by TD Bank. 
TD Bank fraud/foreign transactions alert emails including declined transactions.

TD Bank fraud text alert warning fraudulent transactions which were confirmed by text. 
TD Bank checking account activities screenshots showing direct deposits and wire transfer that were monitored via online banking logins/attempts from XX/XX/XXXX to XX/XX/XXXX. 
$ XXXX wire transfer that was initiated on XX/XX/XXXX and normally would arrive within a couple of days but was delayed at the intermediate bank XXXX XXXX. 

Records of Phone Calls with TD bank, credit, fraud, and resolution teams : XXXX, Sun XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Fri, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Fri, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Fri, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Sat, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Sat, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Sat, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Sat, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Sat, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Mon, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Tue, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Tue, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Tue, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Thu, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Mon, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Tue, XX/XX/XXXX XXXX XXXX, XXXX min ( s ) XXXX, Tue, XX/XX/XXXX XXXX AM, XXXX min ( s ) Records of TD XXXX XXXX Visits : XX/XX/XXXX, XXXX to XXXX XX/XX/XXXX, XXXX to XXXX XX/XX/XXXX, XXXX to XXXX Complainant Contact Details : XXXX XXXX XXXX XXXX in Finance ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ), XXXX Level XXXX Candidate XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Cell Phone : XXXX Email : XXXX My Academic Publication and References : XXXX, XXXX and XXXX XXXX. " Penalizing Shirking in Discovering Unsuitability '' Review of Law & Economics, vol. XXXX, no. XXXX, XXXX, pp. XXXX. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX , and XXXX XXXX XXXX XXXX. XXXX XXXX in XXXX XXXX XXXX. Review of Corporate Finance Studies XXXX ( XXXX ) : XXXX. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief