Consumer complaint received 2021-01-22
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
As I was successfully rebuilding my Credit with help from XXXX, about XX/XX/XXXX, all of a Sudden I was advised that my Credit & Credit Score sustained a Damaging hit from XXXX for SLASHING my Credit limit by 2/3. 
I called XXXX inquiring about their SUDDEN and DAMAGING action, but was rebuffed by XXXX illogical and arbitrary reasoning. 
XXXX ) They contended that they took such action as a result of their periodical review and XXXX  reporting. Here, I implored them to reconsider such damaging action especially when it BETRAYED their recent logic of periodical review because XXXX conducted such periodical reviews over the past years and ESPECIALLY AT THE HEIGHT OF FRAUD COMMITTED AGAINST ME/POOR CREDIT SCORE, and XXXX ALL ALONG MAINTAINED MY CREDIT LIMIT UNTOUCHED. BUT, NOW While my Credit/Credit Score is soaring XXXX ARBITRARILY elected to Sabotage my efforts with their conflicting reasonings as to why. 
XXXX ) Repeated calls were made to XXXX, but to no avail, FOR EVERY TIME I CALLED, I was offered a contradicting and conflicting reasoning, depending on the day and mood of the person I happened to be discussing my situation with. 
XXXX ) A XXXX Supervisor in California, sought to justify their drastic action due to the XXXX pandemic. While another Supervisor in Colorado, dismissed the one in California and contradicted his statement. And it went on and and on .... 
4 ) At last I thought I had connected to a reasonable Manager and after explaining my dilemma to her, she claimed to have UNDERSTOOD my situation and PROMISED TO REVIEW MY ACCOUNT AND CORRECT such damaging measure. In particular when a XXXX Supervisors said well, because you have not used your credit limit as a reason for slashing my Credit Limit.

5 ) AS I was going back and forth with XXXX, I suddenly NOTICED on my Credit Report as having been REPORTED as LATE ON ONE PAYMENT, XX/XX/XXXX. So, I disputed such ERROR, and XXXX admittedly told me YES, YOUR BILL WAS RETURNED TO US ... IT HAD BEEN SENT TO THE WRONG ADDRESS. 
XXXX ) Yes, XXXX admittedly sent it to the WRONG ADDRESS, but once I discovered such error while shopping at their Store in Washington, DC. THEIR Store Manager, XXXX, assured me of no problems and put me on the phone with XXXX, where the Lady Rep. assured me ( without asking ) that it would not affect my Credit because they dont report to anyone ... .it is our internal corporate bank and extended her apologies for the WRONG MAILING. 
XXXX ) ODDLY ENOUGH NOW, as I escalated my inquiries about their mishandling and ERRONEOUS REPORTING, so did XXXX REPS. ESCALATE THEIR FALSE ASSERTIONS. thus, they began ALLEGING that I was late not only once but THREE TIMES MORE AND ON AND ON. 
XXXX XXXX XXXX Reps. Advised me that they sold their Financial/Bank to XXXX XXXX and TD BANK among others. 

HENCE, I seek your help to straighten this spiraling and damaging matter with this UNREASONABLE outfit XXXX. 

Rgards, XXXX XXXX XXXX Wisconsin XXXX XXXX. # XXXX Washington, DC XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief