Consumer complaint received 2026-03-03 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: NJ

Complaint narrative:
TD Bank has continuously and systematically violated Fair Credit Billing Act / Regulation XXXX ( XXXX CFR XXXX ) and Consent Order XXXX by charging late fees and interests due to their own abnormal delay of posting provisional credit, by collecting the resulting debt, and by damaging my credit reports while investigating a {$230.00} billing error on credit card ending XXXX. This account was dormant since XX/XX/XXXX with a {$0.00} balance until billing error occurred in XX/XX/XXXX. Despite XXXX fraud resolution team admitting that no balance should exist, TD has continued to illegally collect fees and furnish adverse data to credit bureaus. TD acknowledged billing error dispute that started XX/XX/XXXX in their XX/XX/XXXX letter ( Exhibit : Acknowledge.pdf ). 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. In my follow-up call on XX/XX/XXXX, I was told provisional credit was typically issued by payment due date. Surprisingly, however, TD charged late fees and interests, collected a minimum pay of {$73.00} from the disputed billing error plus penalties totaling {$270.00}, and damaged my credit bureaus reports by the new balance while investigation was active, in direct violation of Regulation XXXX TD also threatened to report further delinquencies, as documented by TD letter on XX/XX/XXXX ( Exhibit : Collection.pdf ). The illegal fees and collection occurred because TDs promised provisional credit was abnormally delayed. TD sent a letter dated as late as XX/XX/XXXX that stated provisional credit was finally posted ( Exhibit : Credit.pdf ). However, TD called me on XX/XX/XXXX to admit they failed to post the {$110.00} portion of the provisional credit and promised to post it plus reversing all interest/fees. TD called again on XX/XX/XXXX that they were finally posting the missing credit, and confirmed that because the entire balance was billing error, all late fees and interest should be reversed as there was no valid underlying balance to generate them. Despite these admissions, TD emailed me on XX/XX/XXXX that the new statement balance was a late fee of {$34.00} ( Exhibit : Balance.pdf ) with a XX/XX/XXXX due date, which makes this complaint time-sensitive. Furthermore, the bank furnished this disputed balance to XXXX and XXXX, reporting a " {$38.00} scheduled payment '' on a closed account ( Exhibit : CreditReports.pdf ). Finally, 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. TD XXXX XXXX XXXX then locked me out of account access. The account lockout has kept me in the dark regarding my account status and activities, which also contributed to the forementioned surprise. In sum, TD is in violation of XXXX CFR XXXX ( d ) ( XXXX ) ( prohibited collection ) and XXXX CFR XXXX ( d ) ( XXXX ) ( prohibited furnishing ). Because the bank failed to stay collection while locking me out of online access, I am asserting Statutory Forfeiture under XXXX U.S.C. XXXX ( XXXX ). 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 and discipline of TD is warranted to ensure compliance with XXXX and Regulation XXXX consumer protections. Digital logs and voice recordings of all phone calls are available upon request. Selected Records of XXXX Phone Calls with TD bank, credit, and fraud resolution teams : XXXX, Tue, XX/XX/XXXX XXXX XXXX, XXXX min ( XXXX ) XXXX, Tue, XX/XX/XXXX XXXX AM, XXXX min ( XXXX ) XXXX, Mon, XX/XX/XXXX XXXX XXXX, XXXX min ( XXXX ) XXXX, Tue, XX/XX/XXXX XXXX XXXX, XXXX min ( XXXX ) XXXX, Tue, XX/XX/XXXX XXXX XXXX, XXXX min ( XXXX ) Attachments : Acknowledge.pdf : TD letter dated XX/XX/XXXX acknowledging billing error dispute XXXX filed XX/XX/XXXX. Collection.pdf : TD letter dated XX/XX/XXXX collecting credit card debt with late fee and interest and threatening to damage my credit bureaus reports. Credit.pdf : TD letter dated XX/XX/XXXX regarding the posting of provisional credit and reversal of all credit card charges. Balance.pdf : TD email on XX/XX/XXXX that the new statement balance was a late fee of {$34.00}. CreditReports.pdf : My latest credit reports by credit bureaus showing late fee reported and payment demanded by TD.

Company response to consumer: Closed with monetary relief