Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
CFPB Complaint Narrative ( with Regulation XXXX Citations ) Company complained about : XXXX XXXX XXXX XXXX ( merchant ) TD Bank, XXXX. ( financial institution ) Product or service : Debit card Unauthorized electronic fund transfer Issue : Charged for something I did not authorize ; deceptive enrollment and billing practices ; improper handling of an unauthorized transaction dispute What happened ( detailed explanation ) : On XX/XX/year>, while traveling through XXXX XXXX, I was approached by a XXXX  representative named XXXX, identified as an Ambassador. He represented that XXXX  enrollment was a free two-week trial and expressly stated that no funds would be charged to my debit card unless I affirmatively authorized continued membership after the trial period. He further stated that my debit card information was required solely for registration and verification. 

Relying on these representations, I provided identification, completed a facial scan, and briefly passed through a XXXX  checkpoint. I did not authorize any paid membership, did not consent to automatic billing, and did not agree to any charge. I have not used XXXX  services beyond that initial encounter. 
Despite the absence of authorization, XXXX initiated a debit card charge of {$330.00}, which was posted to my account without my knowledge or consent. I immediately disputed the charge with TD Bank upon discovery. 

Regulation XXXX violations and legal basis : This transaction constitutes an unauthorized electronic fund transfer under Regulation XXXX, XXXX C.F.R. XXXX ( m ), which defines an unauthorized XXXX as a transfer initiated by a person other than the consumer without actual authority and from which the consumer receives no benefit. 

I never provided authorization as required by XXXX C.F.R. XXXX ( b ), which mandates that preauthorized electronic fund transfers be authorized only by a writing signed or similarly authenticated by the consumer. No such authorization was provided by me. 

XXXX  conduct involved material misrepresentation of the terms of enrollment and induced disclosure of debit card information under false pretenses, resulting in an unauthorized charge. Any purported consent obtained through deception is legally invalid. 
Upon receiving notice of the dispute, TD Bank was obligated under XXXX C.F.R. XXXX ( c ) to promptly investigate the error, and under XXXX ( d ) to correct the error and permanently credit my account if the transfer was unauthorized. 

While TD Bank initially issued a provisional credit, the dispute process was jeopardized when TD Bank sent required correspondence to an outdated address, despite my address having been updated more than XXXX year earlier. This delayed my response beyond the stated deadline through no fault of my own and should not prejudice my rights under Regulation XXXX. 
Steps taken to resolve the issue : Immediately disputed the unauthorized charge with TD Bank. 


Received provisional credit on XX/XX/year>. 


Submitted a written dispute statement upon eventual receipt of TD Banks correspondence. 


Submitted a direct written complaint and demand for reversal to XXXX. 

Why this is a problem : XXXX  airport enrollment practices rely on deceptive representations and result in unauthorized electronic fund transfers, violating Regulation XXXX and basic consumer protection principles. TD Bank has an independent obligation under Regulation XXXX to protect consumers from unauthorized transfers and ensure dispute resolution is not undermined by administrative errors such as misdirected correspondence.

Company response to consumer: Closed with explanation