Consumer complaint received 2023-01-02
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Below is what transpired between myself and XXXX retail card services I sent to Customer Service Department : This is the XXXX  letter I am sending to you, my final attempt to resolve this issue with your company. I will also be sending all of this information to the Better Business Bureau as well as my credit reporting agency. 
As I previously outlined, every charge you have applied since XXXX XXXX, XXXX has been incorrect on your part. 
Called XXXX XXXX to cancel XXXX XXXX on XXXX XXXX, XXXX after final payment was made on the phone on XXXX XXXX, XXXX. I was told the account was closed and I would still owe the {$23.00} because I should have seen it on my bill and therefore was my responsibility. I paid the * {$23.00} on XXXX XXXX, XXXX and my XX/XX/XXXX bill shows a {$0.00} balance. 
Called XXXX XXXX, XXXX to try to cancel the XXXX XXXX account AGAIN, after being charged {$11.00} XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. 
My XXXX statement shows that I paid {$95.00}, which was the refund XXXX provide for the previous XXXX  months of XXXX XXXX charges that were billed to us after we cancelled the program. These were credited to my account on XXXX XXXX, XXXX. At this point my balance was negative, meaning XXXX owed me a check for {$47.00}. 
I was charged the {$11.00} AGAIN on XXXX XXXX, XXXX!!!! 
I was charged {$11.00} on XXXX XXXX, XXXX and * {$23.00} credit balance refund. 
In XX/XX/XXXX I was showing a balance due of {$35.00}, even though I owed {$0.00} as detailed above. I paid the {$35.00} on XXXX XXXX, XXXX, check # XXXX in hopes of FINALLY closing this out once and for all. 
I continue to be harassed by your company, charged fraudulent charges and wrote a detailed letter on XXXX XXXX, XXXX to try to resolve this. I got no response to my letter other than a letter from XXXX XXXX on XXXX XXXX, XXXX stating you are sending this balance to collections! 
I have tried to resolve this, I have paid more money than I actually owed you to try to close this out, none of which were successful. If you send this to a collection agency, I will be forced to report you to the Better Business Bureau and file a formal complaint for harassment and fraud with my attorney. Just because this has wasted so much of my time, caused me so much frustration, I am willing to spend my money on attorney to stop you. 

Please advise as how you would like to proceed. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am now trying to buy a home and this showed up on my Crdit history. This company should be held accountable for doing this. If they are doing it to me they are doing this to many and getting away with it. 

Please Help, kind regards

Company response to consumer: Closed with non-monetary relief