Consumer complaint received 2019-11-07
Company: TD BANK US HOLDING COMPANY
State: FL
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:
The Following Complaint Is a Totally Different Complaint Against TD Bank USA/target Credit. 

This Complaint Is Based on Their Reporting on XX/XX/XXXX, to the Credit Bureaus, Where TD Bank USA/target Credit, Wilfully Violated the Federal Credit Card Act of 2009 on XX/XX/XXXX for Failing to Provide Billing Statements for Periods From, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In Addition TD Bank USA/target Credit, on XX/XX/XXXX Reported That My Account Was Closed on XX/XX/XXXX. This Date Conflicts with Their Account History. If the Account Was Closed on XX/XX/XXXX and Yet They Reported for the Following Dates From, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to Be 30, 60, 90,120,150 and 180 Days past Due, Respectably. 

I Was Never Was Provided Billing Statements for the above Periods. 

The Billing Periods Is Where Each Months Where I Was 30, 60, 90,120,150 and 180 Days past Due and Illegally Charged of My Credit Account. Acct # XXXX. 

TD Bank USA/target Credit Was Required as the Billing Cycle Is a Specific, Recurring Time Period Between Billing Statements. The Federal Credit Card Act of 2009. 

The Federal Credit Card Act Addresses the Following : A Billing Statement Is a Written Record Prepared by a Financial Institution, Usually Once a Month, Listing All Credit Card Transactions for an Account, Including Purchases, Payments, Fees and Finance Charges. It May Be Mailed to Consumers or Provided Electronically Online. Also Called a Monthly Statement or Periodic Statement. 

The Card Member Agreement Provides the Terms and Conditions of a Credit Card Account. This Agreement Is Required by Federal Law as a Consumer Disclosure. It Also Represents a Binding Agreement Between Card Issuers and Their Customers. It must Include the Annual Percentage Rate, the Monthly Minimum Payment Formula, Annual Fees and Dispute Resolution Processes. Changes in the Cardholder Agreement Can Be Made, with Written Advance Notice, at Any Time by the Issuer. Cardholders Have the Right to Cancel Their Cards If They Do Not Accept Such Changes in Terms, and Pay off Existing Balances under the Previous Account Terms in Such Instances. 

Charge-offs Are the Uncollected Credit Card Balances That Have Been Overdue So Long They Are Removed from the Books and Charged Against a Banks Loss Reserves. Your Original Card Issuer Will Typically Attempt to Collect on the Account Only until it Reaches 180 Days past Due. At That Level of Delinquency, My Unknown Was Charge Off the Debt from Their Books, as this Is an Accounting Measure the Creditor Uses to Move Your Account from an Asset to a Liability. 



I Demand a Copy of the Billing Statements and Collections Notices for the Following Dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As Reported by TD Bank USA/target Credit on XX/XX/XXXX to the Credit Agencies. 

TD Bank USA/target Credit Provide the Billing Statements and Collections Notices for the Following Dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Only Proves They Committed a Violation of the Federal Credit Card Act and Is Grounds for the CFPB to Take Action Against Them as They Also Reported My Account Was Closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation