Credit card or prepaid card -- Problem when making payments -- Complaint #7191832
Complaint Overview
Complaint ID: 7191832
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: Problem during payment process
State: Florida
ZIP Code: 33157
Date Received: 2023-06-30T12:00:00-05:00
Date Sent to Company: 2023-06-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Good afternoon. In XX/XX/2022, I tried to make a purchase at XXXX XXXX in XXXX XXXX XXXX XXXX ) Florida. TD Bank flagged that purchase as fraudulent, even though it was within the credit limit. I contacted TD Bank numerous times over the phone between XXXX to XX/XX/2022 to try to get the account open again so I could pay. I was informed that it would be open within a couple of hours every time I was on the phone, however it gave me a " Request could not be processed '' error under the credit card account. Since I was not receiving paper statements, I was unable to pay the bill until the account was open. I was unable to access the account since then, and recently received a collection notice for the balance in the mail. TD Bank charged late fees on the account, then NEGATED the late fees before handing it over to the collection agency. This is affecting my credit, and I ALWAYS make my payments on time. A simple check of my credit will show you this. I would like TD bank to rescind the late payment on my credit score since I was UNABLE to access my account online, even after speaking to several people over the phone.
Frequently Asked Questions
What is Complaint #7191832 about?
Complaint #7191832 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 2023-06-30T12:00:00-05:00.
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.