Consumer complaint received 2026-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi, I am hopeful that you can help me out with this situation. 

About XXXX weeks ago, XXXX XXXX lower my credit utilization ( between XXXX cards ) {$25000.00}. Even though I never missed an XXXX XXXX and have been a loyal client for XXXX  years, they would not put back my credit limit to where it was. 

XXXX of the reason for this, was that they said I had a late fee on my XXXX  credit card. 



I made a payment on my XXXX  card on XX/XX/XXXX for XXXX XXXXXXXX was given a confirmation number. I was told on XX/XX/XXXX that payment was not accepted, though it shows that I tried to make a payment. I was told that the correct the account number was XXXX digit off ; and that any late fee would be waved, and since payment was made in good faith, nothing would be reported to the credit bureau. The representative who worked with was named XXXX. I made a payment again on XX/XX/XXXX. A few weeks later I got a letter from XXXX  that my account was delinquent. I immediately called XXXX, and they told me again that there was a problem with the account number. I called XXXX  and they told me the mistake was not corrected, but would now be corrected. I made a payment for {$340.00}. I worked with representative XXXX. He corrected the mistake and told me there would be no late fees, and no the mark on credit report would be taken off, since I had made a payment in good fait, and the previous representative did not make the correction. 



Now I look at my credit report and it has gone way down due to a delinquent payment. I was told twice that the delinquent mark was going to be removed and it never was. Can you please correct this situation. I started a file with XXXX  as well. 

I have been with TD bank for close to XXXX  years and have never had any problem. 

I had called XXXX  and spoke with someone named XXXX. I explained the situation. He told me to dispute this and to have the credit unions dispute this and there should be no problem. 

I disputed this, and just got a letter from XXXX  that it was not their fault that a number was off. Even though I never missed a payment in almost XXXX  years, and I have been baking with XXXX  for XXXX  years, XXXX  would not help. I went to the XXXX  branch in XXXX XXXX. This XXXX  rep called the main XXXX  number. Again, I was told nothing could be done. They said that since I did not speak with someone when making payment, it is not XXXXXXXX XXXX fault. 



Why is XXXX  being so difficult in fighting me to take this blemish off. This is how they treat a loyal client who never missed a payment ... and a payment was made in good faith ... and XXXX  never told me there was a problem. 

I also paid the same way.... calling XXXX  on the XXXX  of the month and then making a payment. Somehow since XXXX, there was XXXX additional number. Even though they saw that I made a payment in good faith as I had no idea that it was reversed, XXXX  will not do anything. I was given a confirmation number... why would I think that the payment did not go through? 



This is destroying my credit report. I will be making a big purchase, and this this credit blemish will harm me. 

It was a XXXX  error, somehow picking up an extra number on my checking account ... the same I had used for close to a decade. 



Help!!!!! Is there anything you can do? 



Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation