Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, I received five email notifications confirming multiple profile changes from an Administrator regarding my TD account. Each occurrence transpired within 2-3 minutes per transaction, totally XXXX. For clarification purposes, I immediately contacted customer service to advise them of these unauthorized account changes. To my dismay, the service rep was " unable '' to explain and/or determine the cause. However, in order to remedy the situation an immediate " close '' on the account was recommended and processed. Since then, I received XXXX new cards separately during a 2 week interval. It is my belief and opinion that this account was internally tampered with. 
Recently, I experienced significant inconveniences as it relates to an " alleged '' missed payment for XX/XX/XXXX. Incidentally, I have maintained this account ( along with several ) with efficiency and integrity since XX/XX/XXXX. Barring two instances ( including this one ) where they claimed a " 30-day '' payment delinquency on XX/XX/XXXX, XX/XX/XXXX, including the recent XX/XX/XXXX was NOT in default on my part yet processed as such. Additionally, no courtesy call was made to advise me of such. Instead, I received two letters ( dated XX/XX/XXXX ) from the Senior Vice President ( in an attempt to collect a debt? ) stating that my account was past due. Apparently, this unwelcomed communication served as another exhaustive and financial mitigation with TD Bank - as I had previously submitted this payment every XXXX of the month, due by XX/XX/XXXX. Upon bank verification status, which was not posted but clearly the gap in the check # s ( sent on XX/XX/XXXX for {$85.00}, check # XXXX ) is indicative as in the past was actually issued on my part. 
Despite attempts to assure TD that this unfortunate delinquency was not my fault, immediate payment plus {$35.00} late fee AND a decrease in my credit limit from {$4700.00} to {$3300.00} became instantaneous. 
With due reservations, I issued another check ( on XX/XX/XXXX ) for {$100.00}, then a replacement check to the {$100.00} for {$140.00} ( on XX/XX/XXXX ) since they " claimed '' to not have received any payment as of XX/XX/XXXX. Surprisingly on XX/XX/XXXX I was conducting an online bank transaction and noticed a pending post of {$240.00}. Upon verification with my bank, I requested a stop payment for the {$100.00} as I realized TD received and held the missing check to include with the {$140.00} payment. My bank was unable to interrupt the payment, but advised I request a refund from TD. 
The following morning ( XX/XX/XXXX ) I contacted TD Bank to express grave dissatisfaction in reference to the recent events and requested an immediate reversal - {$100.00} refund, credit limit upgrade, collection debt status removed from credit bureau. Due to the level of request, I was transferred to a manager who only offered to send a business check in 7-14 days. 
It is truly unfortunate to have experienced this level of impropriety, especially as a loyal customer during the past ten years. On another note, I felt this account should 've been paid off but was unable to obtain my payment history from TD as they claimed no information beyond three years is saved.