Consumer complaint received 2019-06-18
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
1- I went into my local branch of TD Bank at XXXX XXXX  XXXX XXXX XXXX Ma XXXX and asked if there was a loan program that I could borrow {$500.00} to help build my credit. The bank manager,  XXXX XXXX, took an application-when I got outside I saw the amount was for $ XXXX-I went back inside and questioned that and was told - '' oh don't worry it was for {$500.00}. ( XX/XX/XXXX ) I do know that the Subscriber Code number of the loan is XXXX and the TNAL CPM number is XXXX ( whatever that means ) 2. I went back the next day and asked for a copy of the loan application from XXXX and was told once the application is sent over the internet she could not get it. 
3. I called customer service XXXX XXXX XXXX on XX/XX/XXXX and asked them if that was true and they did not know but told me the minimum for a loan was {$5000.00}! I was very upset because if I had know this ( and the bank Manager should have known never to take an application in the minimum to ask for was {$5000.00} ) I would have never applied! ) Now of course this was denied as I was asking for {$500.00} - plus she requested {$1200.00} -- -which she won't show me! Customer service sent me a form -- Consumer Credit Report Report Form as I wanted to dispute the fact that a hard copy of my credit report should have never been requested as it lowered my credit score by 8 valuable points as the loan should have never been taken as I was given totally incorrect information. 
4. I sent the report out to TD Bank XXXX XXXX XXXX XXXX ME XXXX ( I have a copy ) on XX/XX/XXXX. 
5. I hadn't heard from them by mid XX/XX/XXXX and for some reason I received a random email from TD Bank asking me how I like TD Bank ... so I explained 1-4 above! 
6. Within a few weeks, I received a phone call from a Miss XXXX XXXX, who never gave me her professional title, but told me she was in charge of many banks in my area and would get to the bottom of this. Her phone # XXXX email XXXX and the only address I have is c/o TD Bank c/o XXXX XXXX, XXXX MA XXXX XXXX. On or about XX/XX/XXXX Ms. XXXX called me and stated on of her workers had sent a letter to XXXX - stating that there was a misunderstanding at TD Bank and the loan applications should not have been taken and could they fix my credit report and remove their hard inquiry. 
8. On XX/XX/XXXX, I called XXXX XXXX ( XXXX XXXX XXXX XXXX TX XXXX ) and asked if they received the letter from TD Bank or is it at least pending? The rep checked and informed me they have not received any letter in the past 60 days The rep informed me the best way to do anything was for me to ask TD Bank for a copy of that letter and for me to dispute thru XXXX and attach that letter as proof. 
9. On XX/XX/XXXX I called Ms. XXXX and told her the above ... she informed me that under Federal Regulations she is not allowed to give me that letter! I do not understand why? Can you please try to help me? This has been going on for 6 months and I really need to get those 8 points back on my credit report. TD bank was wrong in taking that application and I was given incorrect information. Thank you in advance

Company response to consumer: Closed with explanation