Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5983540
Complaint Overview
Complaint ID: 5983540
Company: TD Bank US Holding Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Massachusetts
ZIP Code: 02122
Date Received: 2022-09-14T12:00:00-05:00
Date Sent to Company: 2022-09-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had a XXXX retail card and i paid off the balance and asked if the insurance plan could be cancelled since I did not need it anymore. on XX/XX/2022 when I made the payment, my balance was {$11.00}. Three months later XX/XX/2022 I received a notification that TD Retail Card service reported a late payment on my credit report. I called them to take care of it and I provided a dispute form on faxed to the number on the dispute form on XX/XX/2022 and XX/XX/2022. They did not receive it. I then mailed via the post office another dispute form. I called on XX/XX/2022 and they said they received the dispute form and it was being review. I called today XX/XX/2022 and they said they just received it on XX/XX/2022. Now this will be reported again to the credit bureaus for the 3rd time and my credit score is taking a huge hit. They are reporting I am late paying late fees. I should not have any late fees. Please I hope you can help.
Frequently Asked Questions
What is Complaint #5983540 about?
Complaint #5983540 was filed against TD Bank US Holding Company regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2022-09-14T12:00:00-05:00.
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.