Consumer complaint received 2022-06-25
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I CONTACTED TD BANK BACK IN XXXX OF 2022 REGARDING A CHARGE ON MY CREDIT CARD FROM XXXX THAT I DID NOT MAKE NOR AUTHORIZE. I WAS ADVISED BY TD BANK THAT I WAS NOT RESPONSIBLE FOR THE CHARGE OR ANY FINANCE CHARGES RELATED TO THE AMOUNT IN QUESTION OF {$34.00}. THERE WAS NO OTHER BALANCE ON MY ACCOUNT PRIOR TO OR AFTER THIS CHARGE POSTED TO MY ACCOUNT THAT I DID NOT MAKE & I WAS ADVISED BY 2 SEPARATE AGENTS THAT I WAS NOT RESPONSIBLE FOR MAKING A PAYMENT NOR ANY INTEREST/LATE FEES REGARDING THIS AMOUNT. THE CHARGE WAS EVENTUALLY DEEMED AS FRAUDULENT BY TD BANK AND REMOVED FROM MY ACCOUNT. ( I HAVE ATTACHED DOCUMENTATION I RECEIVED FROM TD BANK STATING AS SUCH ). HOWEVER, AS OF THE DATE OF THIS COMPLAINT, THEY HAVE SENT ME VARIOUS CORRESPONDENCE THAT IS CONFLICTING AS WELL AS MISLEADING AND NOONE WITHIN THEIR COMPANY SEEMS TO KNOW WHAT THE HECK THEY ARE DOING OR HOW TO DO THEIR JOB IN ORDER TO REMOVE THIS NEGATIVE REMARK FROM REPORTING!! 

HOWEVER, AS I ATTEMPTED TO MAKE A MAJOR PURCHASE, I REALIZED MY CREDIT SCORE HAD DROPPED AS TD BANK HAD REPORTED THE ACCOUNT AS " NEGATIVE '' DURING THE MONTH IN WHICH THIS AMOUNT WAS DEEMED AS FRAUDULENT! 
I IMMEDIATELY REACHED OUT TO TD BANK AND AFTER NUMEROUS BACK & FORTH COMMUNICATION WITH THEIR CREDIT DEPARTMENT, I WAS EVENTUALLY PUT IN CONTACT WITH THEIR CREDIT DISPUTES DEPT. I ALERTED THEM THAT THIS CHARGE WAS BEING REPORTED AS NEGATIVE ON MY CREDIT REPORT! I ALSO ADVISED THEM, TIME IS OF THE ESSENCE, IN GETTING THIS RESOLVED AS I WAS ATTEMPTING TO MAKE A MAJOR PURCHASE & THIS NEGATIVE REMARK THAT WAS REFLECTING INCORRECTLY ON MY CREDIT REPORT WAS AFFECTING MY CREDIT SCORE WHICH WOULD GIVE ME A LOWER INTEREST RATE THEN WHAT I SHOULD QUALIFY FOR! ( I HAD NO OTHER NEGATIVE OR DEROGATORY INFORMATION ON MY REPORT OTHER THAN THIS ). 

I WAS ASSURED THIS MATTER WOULD BE LOOKED INTO AND HANDLED WITHIN 30 DAYS OF WHICH IS HAS NOT BEEN!! AFTER NUMEROUS CALLS AND EMAILS I WAS FINALLY PUT IN CONTACT WITH VARIOUS AGENTS THAT CLAIMED THEY COULD HELP ME & WOULD GET THIS ISSUE RESOLVED! WHICH IT HAS NOT BEEN AS OF THE DATE OF THIS COMPLAINT! 

I HAVE SINCE BEEN PUT IN CONTACT WITH, XXXX XXXX IN THE TD BANK, CUSTOMER CARES/US FRAUD MGMT DEPT XXXX ( AFTER REACHING OUT ON SOCIAL MEDIA BECAUSE THIS MATTER STILL HAS NOT BEEN RESOLVED IN THE TIME I WAS ADVISED!! XXXX AND I HAVE SPOKE NUMEROUS TIMES AND SHE APOLOGIZED THAT THIS HAS TAKEN SO LONG TO UPDATE MY REPORT BUT SHE ASSURED ME IT WOULD BE TAKEN CARE OF! SHE THEN EMAILED ME THE LETTER THAT SHE SAID I COULD USE TO VERIFY THAT TD BANK HAD REPORTED MY ACCOUNT AS NEGATIVE IN ERROR & THAT THEY WOULD UPDATE MY CREDIT REPORT TO SHOW NO NEGATIVES AS WELL AS CONTACT THE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THE DELINQUENCIES! 

AND AGAIN, ALMOST 4 MONTHS LATER, MY REPORTS HAVE STILL NOT BEEN UPDATED & I AM FURIOUS! I HAD REACHED OUT AGAIN TO XXXX AND SHE HAD EVEN SENT ME ANOTHER LETTER, WITH AN UPDATED DATE ON IT IN ORDER TO SHOW THAT THIS NEGATIVE REMARK IS TOO BE REMOVED FROM MY ACCT! I I HAD TO REACH OUT TO XXXX @ TD BANK ( XXXX CONTACT INFO IS LISTED ON THE CORRESPONDENCE DOCUMENTATION SHE SENT ME VERIFYING TD BANK MADE AN ERROR AND WAS REMOVING THE NEGATIVE 30 DAY REMARK ). BUT ONCE AGAIN BECAUSE I HAD DISCOVERED THAT THE INFORMATION FURNISHED DID NOT INCLUDE THE CORRECT ACCOUNT NUMBER! SO AFTER I DID MY OWN INVESTIGATION, I FOUND OUT THAT THE ACCT # ON THE 1ST 2 LETTERS I RECEIVED WAS THE NEW ACCOUNT #. WHEN THE OLD ACCT # ( THE ACCT IN WHICH THE FRAUDULENT CHARGE OCCURRED ON & WAS THE ACCT # IN QUESTION WAS NEVER UPDATED ) AND THEIR WAS 2 SEPARATE ACCOUNT # XXXX WHICH TO THIS DAY, NOBODY AT TD BANK CAN EXPLAIN TO ME WHAT HAPPENED AD WHY THE CARD THAT HAD THE FRAUDULENT CHARGE ON IT WAS NEVER CLOSED AS I HAD REQUESTED IT TO BE!! BUT WHY AM I HAVING TO FIGURE ALL THIS OUT MYSELF WHEN I DO NOT WORK FOR EITHER TD BANK OR THE CREDIT BUREAUS!! THIS SHOULD HAVE BEEN FIGURED OUT BY AN EMPLOYEE THAT IS PAID BY THESE COMPANIES NOT THE CONSUMER, ME, IN THIS CASE!!!! 

I HAVE DISPUTED THIS NEGATIVE REMARK NOW 3 TIMES IN THE LAST 3 MONTHS & IT STILL HAS YET TO BE UPDATED AND REMOVED FROM MY REPORT!!! I REACHED BACK OUT TO TD BANK ONCE I RECEIVED THE " UPDATED '' REPORT STILL REFLECTING THE NEGATIVE 30 DAY MARK! AND XXXX ONCE AGAIN SENT ME ANOTHER LETTER ADVISING THAT TD BANK " INCORRECTLY REPORTED MY ACCOUNT AS 30 DAYS LATE & THAT THIS LATE MARK WAS TO BE REMOVED! 

HOWEVER ONCE AGAIN, THE DISPUTE I FILED WITH THE CREDIT BUREAUS IS STILL NOT REFLECTING THE 30 DAY LATE REMARK IS TOO REMOVED AND THE CREDIT BUREAUS ARE CLAIMING THE REMARK IS ACCURATE WHEN IT IS CLEARLY NOT!!!!! 

AT THIS POINT SINCE IT HAS BEEN OVER 30 DAYS AND MY CREDIT REPORTS ARE STILL REFLECTING THE NEGATIVE 30 DAY LATE REMARK, I BELIEVE THAT MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT, HAVE BEEN VIOLATED IN THE FACT A NEGATIVE REMARK THAT HAS BEEN VERIFIED TO BE REMOVED FROM THE COMPANY THAT REPORTED IT STILL HAS NOT BEEN DONE!

MY CREDIT SCORE AS WELL AS MY FINANCIAL WELL BEING IS & HAS BEEN SEVERELY AFFECTED BY THIS MISTAKE/ERROR I REPORTING! I HAVE BEEN DENIED CREDIT, HAD ANOTHER CREDIT ACCOUNT CLOSED & I SUFFERED AN INTEREST RATE INCREASE, ALL BECAUSE MY CREDIT REPORT IS REFLECTING AN ERROR IN REPORTING A 30 DAY NEGATIVE LATE REMARK FROM TD BANK THAT SHOULD NOT BE THERE!!!! 

IF THIS IS NOT RESOLVED IN THE TIME FRAME ALLOWED BY LAW, AS I HAVE PREVIOUSLY STATED, " TIME IS OF THE ESSENCE '' IN GETTING THIS REMARK REMOVED FROM MY CREDIT REPORTS & TO BE REFLECTED ACCURATELY, I AM PREPARED TO SEEK DAMAGES IN A COURT OF LAW IN ORDER TO BE COMPENSATED FOR THE FINANCIAL LOSS I HAVE INCURRED DUE TO MY CREDIT SCORE NOT REFLECTING ACCURATELY DUE TO A 30 DAY LATE THAT HAS/IS BEING STILL REPORTED ON MY CREDIT BUREAUS IN ERROR!! 

THIS ENTIRE SITUATION HAS LED TO MONTHS OF DEALING WITH A XXXX, XXXX XXXX  & XXXX, ALL RELATED TO AN ISSUE THAT WAS NOT MY FAULT, OF WHICH I WAS ASSURED ON MULTIPLE OCCASIONS BY DIFFERENT AGENTS WITHIN TD BANK, THAT THIS WOULD BE RESOLVED IN A TIMELY MANNER BUT HAS BEEN EVERYTHING BUT!!!!

Company response to consumer: Closed with non-monetary relief