Consumer complaint received 2020-11-14
Company: TD BANK US HOLDING COMPANY
State: IL
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:
On XX/XX/2020, I received info that I have a balance with Target credit card 0f XXXX $ and it was overdue so a missed payment fee was added to the account- fee of 30 . I did not remember making any recent purchases with that card in XXXX, at the mentioned location, as it was far from my house or the location where I shop usually also, when I checked my wallet, I saw the card missing. 
I called the customer service to require more info about the purchase and was told that they can put the dispute under investigation. I asked if I have to make a payment while the dispute is reviewed and was told that _NO, until a decision is made I have no payment to make. 
On XX/XX/XXXX I recieved the letter stating that my dispute is denied and I have to make a payment, so I did pay the amount required. At that point I also noticed that they added one more late fee of XXXX $ to the account, so my balance was XXXX $ already. 
so they added the amount before I was aware of the decision regarding the dispute, and they also reported my account to the credit bureau and that affected my credit history by 120 points. 
I had an account with them for over 3 years, and my account history was positive. I was a good paying client. It is not professional to Add an extra fee to the account before I have info regarding the dispute and also to report me to the credit bureau before the status of the dispute is announced to me. 
I found out about the status on XX/XX/XXXX, that is when I recieved their letter and I paid my balance right away. On XX/XX/XXXX I recieve a call from Target collection department and the lady is asking for a payment. I told her that I payed yesterday, she double checked and confirmed the ayment was made. After 1 week I found out that my account was reported to the credit Bureau and that lowered my credit by 120 points. 
I called Target to clarify why they reported me, before the status of the dispute was announced to me and why I was reported if my balance was cleared. The lady advised me to file a dispute with XXXX regarding the activity and that Target will also follow up with a letter to XXXX to inform that my account was wronfully reported, due to the fact taht I still had a dispute open or the dicision on the dispute was not announced to me, when the account was reported. 
On XX/XX/XXXX I followed up with XXXX and they Informed me that as of XX/XX/XXXX Target informed XXXX bureau that I had a balance of XXXX $ still open on my Target account. 
Please assist me and advise me on how to proceed and also to fix my credit score. 
I believe Target services were acting unprofessional and it was wrong to report me to the Credit bureau before the decision on the dispute filed was announced. Also it was wrong to report on XX/XX/XXXX that I still have an open balance of XXXX $ when my balance was covered the account was up to date in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief