Consumer complaint received 2019-06-03
Company: TD BANK US HOLDING COMPANY
State: MA
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:
XX/XX/2019 : I was informed by my credit monitoring company that TD Bank had filed negative reports with all three credit reporting bureaus : XXXX, XXXX and XXXX. In its reports TD claimed a 30-day delinquent amount of {$220.00}. Upon further investigation it became evident that TD had also filed a {$25.00} delinquent report earlier with same three credit reporting bureaus. The reports filed by TD Bank with said credit reporting bureaus include information that, to the best of my knowledge, is inaccurate, and/or misleading. As such these reports have unfairly decreased my credit score and have made me suffer significant financial harm, as the result. I subsequently asked TD Bank to either provide valid justification for its claims, or otherwise correct the negative reports it provided to the three credit bureaus. TD Bank has not yet provided any supporting evidence to justify its claims and has not yet corrected the incorrect and misleading information it has reported to the three credit bureaus. 
Background : XX/XX/2019 : Nearly 13 days BEFORE my regular credit card payment due date of XXXX I called TD Bank to pay off the {$220.00} balance on my account. I specifically called TD Bank BEFORE the due date, in order to prevent the bank from adding its unreasonably high interest to the small amount of {$220.00} remaining balance on my credit card. This {$220.00} would have been the LAST of over {$10000.00} payments I had made on this card to TD Bank. During said XX/XX/2019 phone call, a TD Bank representative by the name XXXX, took down my checking bank account information toward full payment of the {$220.00}. 
XX/XX/2019 : Subsequent to learning - through my credit report monitoring company - about the negative credit reports filed by TD Bank, I called the bank directly to inquire about these reports. My call was forwarded to XXXX ( ID # XXXX ) who acknowledged that I made a payment on XX/XX/2019 for {$220.00}. However, she said there was a reversal, in that the bank was unable to locate the account, according to my notes of the phone conversation. I was asked to repeat my checking account number. After doing so, it appeared that the representative had missed typing one of the 3 repeating digits on my checking account and had instead put only 2 repeating digits. I told the representative that this must have been an error by the representative who took down my checking account number on XX/XX/2019. I was told that this matter will be addressed to a supervisor in collection and/or customer service by the name XXXX ( ID # XXXX ) who will pull the recording of the phone call I made on XX/XX/2019 to determine if the error was made by the bank or if I had provided the bank an inaccurate checking account number. I told the representative that I had no reason to provide a wrong checking account number when the main purpose of my XX/XX/2019 call to TD Bank was to pay off the small remaining balance on the credit card and hence prevent TD Bank from adding its high interest to the unpaid amount. I also inquired why the bank did not contact me directly to let me know that the payment did not go through, and instead made a false and misleading report to the credit card companies, knowing full well that I had made an honest attempt to pay the full balance on the account about two weeks before the due date. 
XX/XX/2019 : Long AFTER the bank had already filed its inaccurate and misleading reports with the three credit reporting companies, I received a letter in the mail from TD Bank dated XX/XX/2019, which informed me about the late payment. 
XX/XX/2019 : I called TD Bank and spoke with XXXX ( ID # XXXX ). I disputed the {$3.00} interest that TD added to my account due to its error in processing my XX/XX/2019 payment, and asked her to process a payment for the {$220.00} - in full payment of the account- using the same checking account and routing number I used on XX/XX/2019. My bank confirmed that this payment was cleared on or around XX/XX/2019. 
XX/XX/2019 : TD Bank left a voice mail on my phone. The message as transcribed by my phone service provider showed : This is from TD Card Services. We are calling you back per your request and we had listen to the call of the payment that was reversed and the agent repeated back the exact information you provided. So unfortunately we're not able to update your credit reporting since no bank errors were found but if you have any other questions give us a call at XXXX. Have a great day. '' XX/XX/2019 : I called TD Bank and requested a copy of the recording of my XX/XX/2019 phone call to TD Bank, because I dont believe that I provided the wrong bank account information to the bank. The bank representative mentioned that she submitted the request and I should hear back from the bank within 24 hours. She also confirmed that the {$3.00} interest on my account was waived, and the balance on my account with TD was {$0.00}. 
As of today, TD Bank has failed to correct the error that led to its unfair and unjustified reporting of balance due on my account, when I had already made an honest attempt to pay off the balance on my credit card to avoid the high interests TD Bank assesses on its credit card loans. TD Bank has also failed to provide any evidence supporting its claim that I had provided wrong checking account information to the bank. 
As of today, my credit report still shows a {$220.00} unpaid balance on this TD Credit card, even though the bank has confirmed that there is no ( {$0.00} ) balance due. In my credit report there is also another {$25.00} fee to this credit card which I have no idea why and when this was filed. 
I have disputed these unjustified reports with all three credit reporting bureaus. However, as of today, the problem has not yet been resolved.

Company response to consumer: Closed with explanation