Checking or savings account -- Managing an account -- Complaint #18058708
Complaint Overview
Complaint ID: 18058708
Company: TD Bank US Holding Company
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Connecticut
ZIP Code: 06320
Date Received: 2025-12-15T12:00:00-05:00
Date Sent to Company: 2025-12-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
TD Bank debited an amount of {$710.00} today, XX/XX/XXXX, from my account ending in XXXX. According to their recovery dept, this amount was taken to cover overdrawn account ending in XXXX, this account was used to make a purchase with XXXX in amount of {$3.00}, XXXX on or around XX/XX/XXXX, a flight and hotel package. The hotel portion of purchase made was disputed with TD Bank as service not provided, the room booked was not available. The hotel portion is in amount of {$2.00}, XXXX. TD Bank issued a provisional credit in this amount, then reversed it and sided wirh XXXX. The credit reversal then caused account to become overdrawn, TD Bank is now debiting my account ending in XXXX to cover overdrawn balance. According to account recovery, I should continue to dispute transaction, in which case, TD Bank has already sided with merchant. My attorney is looking into matter with merchant, XXXX, attempting to recover hotel fee paid. XXXX advertised a XXXX bedroom XXXX XXXX is not available, due to overbooking. I canceled hotel stay, no refund received. I request TD Bank cease from deducting funds from accounts currently open while XXXX dispute is worked out with my attorney. According to recovery rep spoken with today, the account agreement allows TD Bank to deduct funds in which case, I request copy of agreement. In closing, recovery also mentioned an account closed in XXXX, with a balance due to TD Bank in amount of around {$1800.00}. This amount represents a fraudulent debit card transaction, a purchase from a XXXX dealership, which I received nothing from, never did business with. I believe this account balance should be waived due to age and fraud. The account number is not available to me, opened at my old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX
Frequently Asked Questions
What is Complaint #18058708 about?
Complaint #18058708 was filed against TD Bank US Holding Company regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-12-15T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with non-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 (Checking or savings account) 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.