Consumer complaint received 2021-09-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Back on XXXX of 2020 I went to XXXX XXXX to purchase some furniture. Purchasing the furniture was no problem. I was able to order what I wanted and I was able to receive the product with no problem. The real issue was everything having to do with the financing and billing. 

When I was purchasing my furniture, CO-VID was rampant and the shutdown was in full effect. XXXX XXXX told me that due to the Co-Vid pandemic, I would not get billed 90 days. They also told me I would get the information to the finance company in the bills I received. To me that was not a problem. I did as was told and I waited 90 days but nothing ever came in the mail. I never received a call from anyone as well. I called XXXX XXXX myself but they told me billing was slow due to the pandemic so I should wait a little bit longer. 

I waited, and I waited, and I waited, and still nothing came. It wasn't until XX/XX/XXXX of 2020 when I called XXXX XXXX to give me the number to their finance company and I then spoke with TD Bank directly that I was notified I owed money. By that point however, they had already marked my credit report as 30, 60, and 90 days late. I paid them {$770.00} by check that day to pay whatever was owed at that point. TD Bank then told me my monthly payments were going to be {$280.00}. In that same phone call, I disputed the late payments because I was never billed and I can't be held responsible for their faulty billing practices. TD Bank said they would look into it and get back to me. By the way, it gets worse from here. 

Once TD Bank finally decides to bill me, they bill me at the wrong address. I have the re-novate letter which is the credit card name TD Bank use, and I will provide it to you. That letter is addressed to XXXX XXXX XXXX XXXX XXXX which is not my address. When I finally receive that letter, I call TD Bank and complain about it to them. Not only are they not billing me, but when they send me ANY letter, its to a wrong address. TD Bank 's response was that was the address they were provided. I suppose that could be a possibility as I do not have any faith in XXXX XXXX either, but it is very hard to believe considering I have the original order and invoice from XXXX XXXX with all my proper information. Why would XXXX XXXX  give them a wrong address? Furthermore, why would TD Bank place a wrong address in their system when the invoice and order clearly has my correct address on the documents? 

I then waited and waited and waited some more for TD bank to complete their investigation. I received letters from them in XXXX, XXXX, and finally in XXXX. That final letter dated XX/XX/XXXX said their investigation was complete and they were reporting accurately so they weren't fixing anything. WOW!!! So they get to not bill me for 7 months +, then send a bill to a wrong address which they weren't provided with and shouldn't even have, then they say they are reporting accurately? With all due respect we all know that's a load of XXXX. There is a thing called the Fair Credit and Billings Act. One of the major points of that law is to specifically protect consumers when creditors mail bills to the wrong address. TD Bank did this. How can they say everything is accurate? Even if they want to get technical and say it is because payments weren't made in the month, it is also accurate to say they violated the F.C.B.A. That means I should and will sue them for it if they want to play this game of technicalities and accuracy. Furthermore, their willful negligence with their billing practices has caused me harm on my credit report and is a violation of the F.C.R.A. as well. I should and will also sue them for that. Or they can simply admit fault and fix these errors which were clearly not on my part as I never once refused to pay them. I WASN'T EVEN GIVEN A CHANCE TO PAY THEM AS I DIDN'T KNOW WHO TO PAY, WHERE TO PAY, OR HOW TO PAY DUE TO NEVER RECEIVING A BILL!

Company response to consumer: Closed with monetary relief