Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14089754
Complaint Overview
Complaint ID: 14089754
Company: TD Bank US Holding Company
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: New York
ZIP Code: 10460
Date Received: 2025-06-15T12:00:00-05:00
Date Sent to Company: 2025-06-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened a secured credit card with TD Bank with a credit limit of {$300.00} and left the deposit with them as required. The account was eventually closed, but TD Bank never refunded my {$300.00} security deposit, even though the account had no remaining balance. I tried to resolve the matter directly with TD Bank, but I did not receive any proper explanation or refund. Now they are reporting this account negatively to the credit bureaus, which is damaging my credit report unfairly, considering this was a secured card funded by my own deposit. I am requesting that TD Bank return my security deposit and correct the reporting to the credit bureaus to reflect that the account was secured and paid appropriately. Date of account opening : [ You can enter the date if you know it ] Date of account closure ( approximate ) : [ Enter if known ]
Frequently Asked Questions
What is Complaint #14089754 about?
Complaint #14089754 was filed against TD Bank US Holding Company regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-06-15T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with explanation". 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 reporting or other personal consumer reports) 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.