Consumer complaint received 2020-06-16
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
[ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , MN XXXX ] Dear Federal Trade Commission , I am writing to dispute the following information that appears on my XXXX XXXX consumer report : Dispute 1 [ The following examples are meant to be helpful, include all disputes that apply to XXXX XXXX ] Account Number or other information to identify account : RTN/ACCT # XXXX ; RTN/ACCT # XXXX ; RTN/ACCT # XXXX. 
Source of dispute information : TD Bank ; XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Type of disputed information : Credit Report, XXXX   Report. 
Dates associated with item being disputed : [ Insert the date that appears on your report. This helps ensure that the correct account is identified by the company and to identify which aspects of the report are being disputed. You can still file a dispute if you do not have this date. ] Explanation of item being disputed : Please investigate each individually. 
o My report includes accounts with a reported name that is different than my legal name. 
o The accounts I had with TD Bank were closed in XXXX. These accounts are out of the statute of limitations. 
o The report falsely states Account Abuse as a tactic to target minorities. This was done in retaliation for me filing complaints against the racist call center worker. 
o I do not recognize the accounts in question. The accounts I had with TD Bank were closed in XXXX. When I closed them there was no balance and I closed them because a woman in the Texas call center called me Boy. She would not escalate my discrimination complaint. I contacted the corporate office line. A woman who claimed to be a manager denied the call was recorded so I played the recording I had. She Hung up and asked to call me back. She called back and told me the issue would be resolved. The accounts were settled. 
o The report shows I owed money to the company that I have already repaid. I wrote an email to the corporate office about my experience with the Texas call center. They confirmed the account were closed with no balance. Now they have three accounts under a similar name. conveniently the dates corresponded with dates that I made complaints about the racist call center worker. I believe her name was XXXX. 
o The status of my account is not correct. The report shows that I three account with balances that were closed on different dates. This is false ; the account was closed on different days. 
o I am the victim of identity theft and I do not recognize one or more of the accounts on my report. In my investigation I found out that a woman I dated was using the cards. I called to have the cards cancelled. They did not take the claim seriously because she was a white police officer.

o Last and certainly not least : I was not allowed to open an account with the Banker. She did not want to assist me because I was XXXX. She told me she had never dealt with a XXXX man before and refused to assist me. The branch manager had to open to account because the bank was crying due to the branch manager telling her Helping XXXX and other customers is your job. I filed a complaint which was never followed up by any member of TD Bank because they send it to the branch manager. The woman was never fired. 

Thank you for your assistance.

Company response to consumer: Closed with explanation