Consumer complaint received 2016-10-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/XXXX, I received five email notifications confirming multiple profile changes from an Administrator regarding my TD account. Each occurrence transpired within 2-3 minutes per transaction, totally XXXX. For clarification purposes, I immediately contacted customer service to advise them of these unauthorized account changes. To my dismay, the service rep was " unable '' to explain and/or determine the cause. However, in order to remedy the situation an immediate " close '' on the account was recommended and processed. Since then, I received XXXX new cards separately during a 2 week interval. It is my belief and opinion that this account was internally tampered with. 
Recently, I experienced significant inconveniences as it relates to an " alleged '' missed payment for XX/XX/XXXX. Incidentally, I have maintained this account ( along with several ) with efficiency and integrity since XX/XX/XXXX. Barring two instances ( including this one ) where they claimed a " 30-day '' payment delinquency on XX/XX/XXXX, XX/XX/XXXX, including the recent XX/XX/XXXX was NOT in default on my part yet processed as such. Additionally, no courtesy call was made to advise me of such. Instead, I received two letters ( dated XX/XX/XXXX ) from the Senior Vice President ( in an attempt to collect a debt? ) stating that my account was past due. Apparently, this unwelcomed communication served as another exhaustive and financial mitigation with TD Bank - as I had previously submitted this payment every XXXX of the month, due by XX/XX/XXXX. Upon bank verification status, which was not posted but clearly the gap in the check # s ( sent on XX/XX/XXXX for {$85.00}, check # XXXX ) is indicative as in the past was actually issued on my part. 
Despite attempts to assure TD that this unfortunate delinquency was not my fault, immediate payment plus {$35.00} late fee AND a decrease in my credit limit from {$4700.00} to {$3300.00} became instantaneous. 
With due reservations, I issued another check ( on XX/XX/XXXX ) for {$100.00}, then a replacement check to the {$100.00} for {$140.00} ( on XX/XX/XXXX ) since they " claimed '' to not have received any payment as of XX/XX/XXXX. Surprisingly on XX/XX/XXXX I was conducting an online bank transaction and noticed a pending post of {$240.00}. Upon verification with my bank, I requested a stop payment for the {$100.00} as I realized TD received and held the missing check to include with the {$140.00} payment. My bank was unable to interrupt the payment, but advised I request a refund from TD. 
The following morning ( XX/XX/XXXX ) I contacted TD Bank to express grave dissatisfaction in reference to the recent events and requested an immediate reversal - {$100.00} refund, credit limit upgrade, collection debt status removed from credit bureau. Due to the level of request, I was transferred to a manager who only offered to send a business check in 7-14 days. 
It is truly unfortunate to have experienced this level of impropriety, especially as a loyal customer during the past ten years. On another note, I felt this account should 've been paid off but was unable to obtain my payment history from TD as they claimed no information beyond three years is saved.

Company response to consumer: Closed with monetary relief