Credit card or prepaid card -- Problem when making payments -- Complaint #5242141
Complaint Overview
Complaint ID: 5242141
Company: TD Bank US Holding Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: You never received your bill or did not know a payment was due
State: Ohio
ZIP Code: 43606
Date Received: 2022-02-20T12:00:00-05:00
Date Sent to Company: 2022-02-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently changed my phone number, even though I knew my password. However, I was unable to login because I couldn't verify it on my phone. I called TD Bank multiple times to change my phone number, but they were unhelpful each time and unable to do so without sending a message to my phone number, which I didn't have access to anymore. Therefore, I was locked out of my account and unable to check my balance/pay my bill. Furthermore, TD bank has not been communicative with me about my bills. Not only after I checked my credit report did I notice I have an overdue balance. I intend to pay my bill each time, but TD BankXXXX verification system inherently makes it difficult/impossible for me to do so. In addition, when calling, I was unable to pay my bill via the phone either because they can not verify my account with my phone number.
Frequently Asked Questions
What is Complaint #5242141 about?
Complaint #5242141 was filed against TD Bank US Holding Company regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2022-02-20T12:00:00-05:00.
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 card or prepaid 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.