Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hi, In XX/XX/year>, I obtained a secured credit card with TD Bank ( credit card ending in XXXX ). I deposited {$XXXX} USD into my Simple Savings account ( ending in XXXX ). In XXXX, I traveled to XXXX for a few months. Since then, I have been making regular payments to my TD secured credit card. 

However, my TD Convenience Checking account ( ending in XXXX ) without any prior notice. On XX/XX/year>, I discovered that the account had been closed and suspended when I attempted to receive a XXXX deposit and make a payment to my credit card. Not only was this closure unexpected, but it also caused significant issues with my ability to pay my TD secured credit card ( ending in XXXX ). Initially I could make payments to my TD ( credit card ending in XXXX ) with my TD Convenience Checking account ( ending in XXXX ) but then TD closed my account without notice. 

To fulfill my obligations, I made payments through XXXX and my XXXX bank account, but TDs actions consistently hindered my ability to make timely payments. For example, my XXXX bank account initially worked for payments, but TD later stopped accepting payments from it. 

While I was in XXXX, I relied on my relative 's TD account to make payments because I could not visit a TD branch to resolve the issue. Additionally, I contacted TD several times, explaining that I could not visit a branch in person, but the representatives were unhelpful and repeatedly told me to visit a branch. While I was in XXXX, I contacted TD several times via phone and sent secure messages through their website. Despite explaining my situation, TDs responses were unhelpful and generic. In XXXX reply, they acknowledged my message but simply directed me to call customer service, use the TD app, or visit a branchoptions that were not feasible given my circumstances in XXXX. 

In XXXX I tried to pay with my TD credit card but wasn't able to do so. I sent a message to TD and I was told that due to security/fraud memos and a hold was put on your card. I also overpaid my TD credit card balance by {$XXXX}. 

In XX/XX/year>, I added a new payment account ( a XXXX bank account ) to my TD credit card ( ending in XXXX ) : Bank Name : XXXX Bank XXXX. 
Account Type : Checking Last XXXX Digits : XXXX I made payments to my TD credit card with this BMO account. However, TD eventually blocked payments from it. 

In XX/XX/year>, my mom tried to send me {$150.00} USD through XXXX to pay my credit card, but I was unable to receive the deposit because my TD checking account had been closed and suspended. TD also prevented me from receiving XXXX payments to my Simple Savings account. 

Below are the payments I have made to my TD secured credit card : Date Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn XX/XX/year>, I visited a TD branch and opened a new checking account to pay off my TD credit card balance. However, I was not allowed to recover my old TD checking account. 

TD Banks actions have had a significant negative impact on my XXXX XXXX in the United States, despite my excellent XXXX XXXX in XXXX ( XXXX out of XXXX ). I believe TDs unprofessional handling of this situation, including inaccurate reporting to credit agencies and unreasonable penalties, has directly caused this damage. Furthermore, TD has penalized me for missed payments even though its own systems and actions prevented me from making timely payments. 

I also paid a {$XXXX} fee to open a new TD checking account. TD didn't even let me recover my old account. I had to open a new one. I had a TD CONVENIENCE CHECKING ( account XXXX ) that TD closed without prior notice. I recently opened a TD ESSENTIAL BANKING ( XXXX ). I request a refund of that {$XXXX} fee. 


I am requesting : XXXX request to see the history of my old TD checking account : TD CONVENIENCE CHECKING ( account XXXX ). I want to understand why it was closed without warning. 
-All late fees and interest charges on my TD secured credit card to be refunded ( ending in : XXXX ) -A thorough investigation and resolution of this matter. 
-Corrections to any inaccurate reports sent to credit agencies : XXXX, XXXX XXXX XXXX XX/XX/year> INTEREST CHARGE-PURCHASES {$XXXX} XX/XX/year> INTEREST CHARGE-PURCHASES {$XXXX} XX/XX/year> INTEREST CHARGE-PURCHASES {$XXXX} XX/XX/year> INTEREST CHARGE-PURCHASES {$XXXX} XX/XX/year> INTEREST CHARGE-PURCHASES {$XXXX} XX/XX/year> INTEREST CHARGE-PURCHASES {$XXXX} XX/XX/year> INTEREST CHARGE-PURCHASES {$XXXX} {$XXXX} fee from TD CONVENIENCE CHECKING ( account XXXX ) XX/XX/year> LATE PAYMENT FEE {$XXXX} XX/XX/year> LATE PAYMENT FEE {$XXXX} I am aware that the XXXX regulator recently ordered TD Bank to pay $ XXXX over inaccurate credit reporting. It seems I am XXXX of the affected customers, as TD has provided inaccurate information about my accounts. 

TD Banks poor customer service and lack of accountability have caused me unnecessary stress and financial harm. I will also file an online dispute on XXXX. 
I will file a credit report dispute with TD. Can I do that online? Is mail the only way to file a credit report dispute with TD? 

I believe TD can promptly solve these issues. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief