Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Subject : Request for review and correction of TD Bank fraud classification affecting my XXXX access On XX/XX/XXXX, I received a XXXX payment in the amount of {$270.00} from a repeat client for services that I provided. This was not a payment from an unknown person. This client had paid me multiple times before through XXXX for similar services, including prior payments in the same amount of {$270.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The client had an established relationship with me, booked the appointment directly, appeared for the appointment, received the services, and made the payment knowingly and voluntarily. After the appointment, the client later complained about the result and requested a partial refund. In the message history, the client explicitly requested half a refund and later stated that if I did not respond, she would call the bank to refund the XXXX and that it would start an investigation. These statements show that the sender acknowledged making the payment and was seeking a refund after the services had already been rendered. I was also informed by TD Bank that the sender may have attempted to dispute or reverse the payment on XX/XX/XXXX, the same day the payment was made. However, even if that is correct, this still does not make the transaction unauthorized. The sender was a repeat client who knowingly booked the appointment, appeared for the service, received the service, and sent the payment voluntarily. Any same-day complaint would still constitute a dispute following services rendered, not an unauthorized transaction. The timeline also appears inconsistent. Based on information I received from TD Bank, the sender may have initiated the dispute on XX/XX/XXXX, while in the later message history on XXXX XXXX XXXX, the sender stated that she would contact the bank and start an investigation if I did not provide a partial refund. This appears inconsistent with a claim of an unauthorized transaction and instead suggests a post-service refund dispute. I visited a TD Bank branch and submitted supporting information for review, including communications with the client and information showing that this was a legitimate repeat-customer payment. TD Bank later informed me in writing that the hold on my XXXX profile would not be lifted and that XXXX would no longer be a payment option for me. I then opened an account at XXXX, and XXXX now shows that my XXXX profile is restricted by the XXXX XXXX. As a result, the restriction is now affecting me across banks. I respectfully request a formal review of TD Banks classification of this matter and any information furnished to the XXXX network. Specifically, I request that TD Bank : XXXX Review whether the XX/XX/XXXX XXXX XXXX was incorrectly classified as fraud or unauthorized activity ; XXXX. Confirm what happened to the {$270.00} payment, including whether it was reversed, removed, debited, or otherwise adjusted, and on what date ; XXXX. Clarify what information or coding was furnished to the XXXX network that resulted in a network restriction ; XXXX. Correct any inaccurate reporting if this was in fact an authorized payment from an established repeat client for services rendered ; and XXXX. Advise whether there is any further appeal or escalation process and whether additional supporting evidence may be submitted. I am prepared to provide supporting documentation, including prior transaction history, appointment communications, service records, and post-service messages from the client. Thank you.

Company response to consumer: Closed with non-monetary relief