Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (IL)

In XXXX and XXXX of XXXX, I bought several items from XXXX, financed through TD Bank. My TD account was set up several years ago, with automatic payments deducted from my bank, and deductions/payments were made correctly. When I made purchases this year, I logged into my TD account to verify the autopay was set up to deduct from my preferred account. It was, so I thought all was well. 

In XX/XX/year>, I received a call from TD collections, saying that I was past due on my account. I responded that I couldnt be, because autopay was set up. She told me that since I hadnt used the account for a few years, that I needed to set it up again. I logged in to make the payment- which I felt was more than it should have been, and tried to set up the autopay, but the site said it was already set up. However, I found the number of charges was more than they should have been, as Id returned some purchases. I thought Id give it a bit more time for the proper credits to be applied to my account. 

In XX/XX/year>, I checked my XXXX account, and it showed that all returned items and been accepted and credited. 
In XX/XX/year>, when I checked my TD account, I couldnt tell if the proper credits had been made, and decided I needed to download all statements and compare with XXXX purchases, so I could be sure that all charges, credits and payments were correct. 

Early XX/XX/year>, I logged into my TD account so that I could download my statements for 2024, and found a new site needing a totally new login. ALL my history was gone! It showed no purchase history nor payment history, only a balance due, which didnt look correct to me. The site advised if you had problems with statements to contact customer care. I called, went through the automation, and was on the music hold for 35 minutes before I finally hung up. 

Late XX/XX/year>, I received another call from TD collections, saying that I was 31 days past due. I inquired about my auto-deductions, and she told me that I didnt have it set up. I explained that I did and inquired about their new website and about my account not being available to me. I also asked if she could transfer me to customer service as I had not been unable to get through when Id attempted earlier in the month. She said they would not talk to me because my payment was past due! I would need to make a payment and then try them again. She said she would deduct the {$50.00} late fee, but it wouldnt show until the next billing period. I logged into TD, and before I made the payment, the site said my next payment was due In XXXX, and nothing about a past due. But it didnt have any other account information. 

My major concern is that TD has reported to the credit bureaus that I have paid late. This is not true! I didnt pay late, they failed to deduct. Secondly, now Im concerned about the 0 % interest rate Im supposed to have still being in effect. Finally, it seems they have also lowered my {$1400.00} credit limit as some sort of penalty, however Ive not been notified and cant see any details of my account.