Money transfer, virtual currency, or money service -- Other transaction problem -- Complaint #19117901
Complaint Overview
Complaint ID: 19117901
Company: TD Bank US Holding Company
Product: Money transfer, virtual currency, or money service
Sub-Product: International money transfer
Issue: Other transaction problem
State: South Carolina
ZIP Code: 29016
Date Received: 2026-01-29T12:00:00-05:00
Date Sent to Company: 2026-01-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally document a serious issue with an incoming international wire transfer to my joint XXXX account and to request immediate action on the following matters. Background and Timeline : On XXXX, XX/XX/year>, a USD wire transfer was initiated from XXXX to my joint account at TD Bank. The transfer was rejected by my bank upon arrival. On the morning of Thursday, XX/XX/year>, I contacted my XXXX XXXX ( TD Bank ) to verify the account details provided to the sender. My XXXX Bank confirmed that the XXXX XXXX, and the XXXX of the owner of the account ( as listed on the wire ) were correct and matched their records. Specifically, they advised that including only XXXX name ( instead of both names on the joint account ) should not cause a rejection, provided the name was not misspelled and all other details were accurate. Despite this confirmation, the transfer was rejected and returned. Upon return to the sending bank in XXXX ( received by them on Wednesday, XX/XX/year> ), the amount was short by {$1000.00} compared to the original sent amount. Key Concerns : The XXXX XXXX ( TD Bank ) has been unable to explain the initial rejection reason, despite prior verbal assurance that the provided details ( including the single-name format on a joint account ) were sufficient. The returned amount is missing {$1000.00}, with no explanation of why this deduction occurred, how it happened, which institution ( s ) may have imposed or retained the shortfall, or what fees ( if any ) were applied. The XXXX XXXX ( TD Bank ) representatives have stated they have " no idea '' about the cause, how to trace it further, or who is responsible for the missing funds. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #19117901 about?
Complaint #19117901 was filed against TD Bank US Holding Company regarding Money transfer, virtual currency, or money service specifically about Other transaction problem. It was received by the CFPB on 2026-01-29T12:00:00-05:00.
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 (Money transfer, virtual currency, or money service) 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.