Credit card -- Fees or interest -- Complaint #12613916
Complaint Overview
Complaint ID: 12613916
Company: TD Bank US Holding Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Indiana
ZIP Code: 471XX
Date Received: 2025-03-22T12:00:00-05:00
Date Sent to Company: 2025-03-22T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX XXXX. There was a payment issue on my account. In XX/XX/XXXX I paid my bill 2 days late, but still within the billing cycle, XX/XX/XXXX for {$170.00}. When I received my XXXX statement it showed that I owed {$380.00} for 2 payments and 1 late fee of {$29.00}. It shows on the statement that my payment was received, so on XX/XX/XXXX I only paid the {$170.00} payment plus my {$29.00} late fee ( {$200.00} total ). I called on XX/XX/XXXX and spoke to someone and she noticed the issue and stated she would send it to her manager to correct. She told me to check it again after next billing cycle to set up automatic payments. When I received my next statement for XXXX it showed I was behind 1 payment and they added another {$40.00} late fee. Im not behind 1 payment a not sure why the system didnt recognize my XX/XX/XXXX payment as XXXX ' payment and it's still not corrected. For XXXX I paid my {$170.00} payment since Im not behind and did not pay the late fee XXXX shouldnt have been charged. I reached out through their Get Help on their website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no luck in each attempt. I have also called the contact number provided multiple times a day and several days each week and have waited on the phone from 30 minutes up to 2 hours without being able to reach anyone. I need this issue handled promptly. You may contact me at XXXX or you may email me at XXXX. I would like to be contacted once this has been resolved. I would also like to ensure this is not reported to the credit bureau. In the meantime they also adjusted my payment by {$3.00} to collect money for the late fees. All the above information is what was on a letter I mailed them on XX/XX/XXXX, which is what is stated on the back of their billing statement to file a dispute. They said it could take up to 2 billing cycles and they would mail a response back. To this day I have yet to receive a response. I called again on XX/XX/XXXX and spoke to a gentleman who said he was sending it over to his manager to resolve and it would be fixed by this next billing cycle. I also told him I wanted my payment amount to go back down to the original amount. Today, XX/XX/XXXX I received my new billing statement for XXXX and its still not fixed. Ive been trying to get this fixed for the last 8 months and they are not responding. Im ready to move to the next step of resolution as this is absolutely absurd.
Frequently Asked Questions
What is Complaint #12613916 about?
Complaint #12613916 was filed against TD Bank US Holding Company regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-03-22T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against TD Bank US Holding Company?
Yes, visit the TD Bank US Holding Company company profile at readthecomplaint.com/company/td-bank-us-holding-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.