Product: Money transfer, virtual currency, or money service

It has been since late XXXX, early XXXX when I applied for a TD Bank 'XXXXXXXX XXXX  card to take advantage of XXXX XXXX  great balance transfer offer. My credit rating was very good at the time and my application for the XXXX card was approved. To start the balance transfer action, I submitted my " XXXX XXXX XXXX  '' to XXXX  personnel. At the time it was my understanding that the 3 % transfer fee ( approx. {$94.00} ) would be deducted from my # XXXX credit limit and the remaining monies would be sent to XXXX XXXX  to pay down my credit balance with them. After XXXX weeks I checked my XXXX card account and found the balance remained unchanged except for the monthly payments I was sending in. A week or so later I received a letter from TD Bank stating they were unable to process the transfer transaction. Soon after that letter I received an over-limit warning letter from TD Bank stating I was overdrawn on my card and that the overdrawn action was being reported to the various credit agencies. I couldn't believe what I was reading! I HADNT even used the card for any reason.. That's when I began calling XXXX XXXX XXXX Customer Service Department XXXX The best way to sum up the results of all those calls I had to make was pathetic at best. After approximately XXXX to XXXX phone calls to XXXX, I was able to resolve the amount to be transferred to XXXX and agreed to have TD Bank send approx. {$3400.00} to my XXXX account. However, I was told that there was nothing anyone could do concerning the over account balance reporting to the various credit reporting agencies. After several more weeks my XXXX XXXX  card 's balance minus any payments I had made was unchanged. THERE WERE NO FUNDS SENT TO XXXX XXXX. So, I was forced to call XXXX XXXX Customer Service again to find out what was going on. That's when I discovered that an employee at TD Bank sent the check to XXXX XXXX XXXX I am not sure how that happened, especially knowing my XXXX XXXX  card numbers are specific to XXXX and me! As the situation stands now, I have NEVER received any financial benefit from TD Bank, yet I am receiving monthly statements from TD Bank stating I owe {$3500.00} and numerous late fees. MORE IMPORTANTLY, TD bank continues to send delinquent payment notices to the various credit reporting agencies and my credit rating has taken a hit of over XXXX points. As a result oXXXX XXXX XXXX XXXX fraudulent reporting to the credit agencies, I was denied another credit card offer because of the fraudulent late reporting to the credit agencies. Since that time, I have spoken to over XXXX customer service reps and XXXX of their supervisors. I have explained all the details to these individuals time and time again, concerning the misdirected funds and that the error was on the part of XXXX XXXX XXXX employees. Regardless, I continue to be charged for the misdirected funds even though I have never received any benefit from them. My credit rating continues to go down as a result of XXXX XXXX XXXX failure to order the billing department to stop sending notices to me and the credit agencies. This constitutes fraud on the part of TD Bank, defames my character and is both a written and verbal breach of contract.