Consumer complaint received 2019-05-13
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
THIS IS NOT A DUPLICATE COMPLAINT. I ORIGINALLY FILED COMPLAINT XXXX WHICH WAS CLOSED BUT NOT RESOLVED PROPERLY. THE LETTER ACCOMPANYING THE BANK 'S RESPONSE INVITED ME TO CALL THIS WOMAN, XXXX XXXX, WHO I HAVE CALLED 4 TIMES, BUT SEEMINGLY DOES NOT KNOW HOW TO EITHER ANSWER HER PHONE OR RETURN CALLS. PLEASE SEE BELOW WRITE UP AND ATTACHMENTS : I had 4 accounts with TD Bank, 3 of them loans : 1.  Checking XXXX XXXX. Checking Overdraft Loan XXXX XXXX. Line of Credit XXXX 4. Home Equity Loan XXXX I have previously and repeatedly disputed all 3 of the loan accounts in the past with XXXX, the CFPB, and with TD Bank directly. They have changed some things but not fixed everything. 
Timely payment of each loan would be evidenced if we could show checking account activity. However, TD is unable to provide checking account statements past XX/XX/XXXX and statements they do have show zero activity from XX/XX/XXXX on. I do not know how this is possible? : I receive and email from TD Bank each and every month telling me that my checking account statement is ready, BUT when I call to try to get access to the account online TD is unable to help me log in. 

Post XX/XX/XXXX there is considerable ongoing activity as late as XX/XX/XXXX in the loan accounts. The other side of these transactions could only be the checking account ( ergo the name of one of the loan accounts Checking Overdraft Protection ), but the checking side is MIA for well over 3 years? Please refer to account activity provided by TD Bank in attached file, TD Bank CFPB Response.pdf. 
Looking at the activity in the Overdraft account ( the other side of which must be the checking account which it is protecting ) I would have to surmise that much of what I am seeing in the loan is the result of fraud in the checking account, however there is no way for me to confirm this since TD claims checking statements do not exist. 

1. Checking Overdraft Loan XXXX : As mentioned I believe much or all of the activity I see in this account from mid-XXXX on could be fraud. TD has already removed late payments from this account but I would also like Status to reflect Paid/Never Late/Closed instead of Included in Bankruptcy. I am more than willing to work with the bank if they would like to investigate possible fraud. 
2. Line of Credit XXXX : It looks as if payments to this account stopped around the same time the checking account disappeared. At least minimum payments on this account should have been drafted automatically from my checking account, but uh, oh, right, theres that checking account thing. Even if there were no funds in the checking account payments still would have been made on the loan, and the checking overdraft covered by the overdraft loan. The overdraft loan remained current and even with previously mentioned mystery debits it had adequate open credit to cover payments for a long period of time, and without the mystery debits it would still have enough open credit. TD has already removed late payments from this account but I would also like Status to reflect Paid/Never Late/Closed instead of Included in Bankruptcy. 
3. Home Equity Loan XXXX : By the same reasoning as explained in bullet 2 above I would like record of late payments removed. Additionally, this loan is showing status of Foreclosure Proceedings Started which should be changed to Paid/Closed for reasons evidenced and described in the timeline of events as follows : a. XX/XX/XXXX property financed is sold, payment is made. I have at least twice previously provided the closing disclosure showing payment, and it is again attached to this dispute, Closing Disclosure Seller Only Extended Lines ( 1 ) .pdf b. XX/XX/XXXX TD Bank receives payment in full on the loan, but erroneously records the payment as a charge off ( and they apparently also owe me about {$58.00} for overpayment ). 

c. XX/XX/XXXX TD Bank reports the loan status as Paid of XX/XX/XXXX with balance updated XX/XX/XXXX. 

XXXX XX/XX/XXXX TD Bank seems to have changed their minds about the status of a loan paid off almost 2 years earlier and Payment Status flips from Paid to Foreclosure Proceedings Started. For some reason the Balance Updated date is now shown as XX/XX/XXXX which is 2 weeks prior to the date they allegedly reported 18 months prior. Say again?? 


Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief