Consumer complaint received 2018-07-09
Company: TD BANK US HOLDING COMPANY
State: TN
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:
I opened a credit card with XXXX  through TFD bank in XXXX. I paid off my balance with no late payments or balance carryovers from XXXX. 
-In XXXX XXXX had a huge data breach, and I also had my wallet stolen, and many of my credit cards had fraudulent charges as a result of that theft. 
-I reported the fraud to XXXX, who sent me a new card, and asked for additional information about what charges were not mine- I filled out this paperwork and sent it back to them, in XXXX. I did not continue to make monthly payments once I noticed the fraudulent charges, as accounts should be frozen until dispute is resolved. XXXX  did not freeze my account or remove disputed charges- they continued to charge me late fees, docked my account as not paying, and after six months, with no resolution from their fraud department except them confirming I had filed the fraud report and their sending me a new card, they had more than doubled the owed amount, of close to {$900.00}, to {$2400.00} of late fees, interest, and other charges, all incurred during the open fraud dispute. 
- In XXXX, XXXX submitted my account, exactly six months from the first 'missed payment, ' to a collection agency and to all major credit bureaus, starting an negative and costly process that has greatly affected my living, transportation, and life choices as a direct result. 
-In XXXX, XXXX filed a civil suit against me for the {$2400.00} debt they claimed I owed. After almost two years of court, XXXX failed to produce the original contract, acknowledge that I had filed fraud, and would not respond to questions about contract violations when fraud was first filed. The court ruling was to dismiss the case, as XXXX did not have the right to collect the debt from me, meaning that I was NOT responsible for the debt- it was fraud. 
-The case was dismissed XXXX XXXX, XXXX, and as a result the charges should have been removed from my credit history, the delinquent account status should be removed, and an account showing good standing with no charge offs should have been retroactively updated. This did not happen. 
XXXX XXXX of XXXX XXXX showed a charge off of {$2400.00}, saying I was delinquent, that I owed this debt, and placing the date of this as the same time they opened the lawsuit, two years prior. This appears on my credit report and still causes me great issues and financial hardship and will show as a negative until XXXX. 
-I filed disputes with all major credit agencies, but XXXX  responded with updated information, in XXXX of XXXX, stating that I was responsible for the charge off, that it was a delinquent account, which is a direct violation of the civil case they had already caused me to endure, and the case they lost. They have maliciously gone against all of my letters and request, violated a court order, and continue to affect my life and finances, ability to get a home, a car load, etc. time from work to go to court, and other stressors and negative impacts.

Company response to consumer: Closed with explanation