Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I discovered that my TD XXXX XXXX credit card account has been closed without notice. Between XXXX XXXX and XXXX XXXX EST, I called TD three times and was told I had supposedly filed XXXX XXXX bankruptcy on XX/XX/XXXX, which is completely false. That same night, my XXXX score dropped XXXX points, down to XXXX, due to a false charge-off that appeared because of this incorrect bankruptcy flag. My XXXX report shows XXXX collections and XXXX public records, yet TD reported my XXXX XXXX account as " Paid Closed- {$21.00} written off ''. I have never been late on any TD account, and both my TD XXXX XXXX and TD Cash cards were on autopay. On XXXX XXXX at XXXX XXXX I called TD 's Back Office and spoke with XXXX who submitted an internal request and told me it would take 24-48 hours. On XX/XX/XXXX, XXXX informed me that the Back Office had upheld the bankruptcy flag, despite it being false. She submitted a more detailed note. Shortly after this first back-office call, TD also closed my TD Cash credit card account. I never received any adverse action notice for the TD Cash Closure, even though Federal Law requires one for each closed account. I'm making the assumption that once Back office received the first internal note they immediately closed my TD Cash account when they mistakenly upheld the false bankruptcy and charge off. On XX/XX/XXXX, after multiple calls, TD finally admitted the mistake I was told that an authorized user named XXXX XXXX had filed XXXX XXXX, and TD mistakenly applied her bankruptcy to my account. After this admission, the problems escalated. In XXXX XXXX XXXX XXXX picked up the false charge-off and account number change. XXXX reported the false charge-off on XX/XX/XXXX dropping my scored XXXX points and noted my account number had changed between XXXX and XXXX. XXXX also reported the false charge-off and account number change dropping my score XXXX points. XXXX till shows the account as " previously in dispute - investigation complete, reported by data furnisher, '' which confirms that TD responded to the dispute but did not correct the false bankruptcy flag or false charge-off. This demonstrates that TD continues to furnish inaccurate information even after admitting the error. I have made approximately 30 calls to TD 's Back Office since this began. Representatives XXXX and XXXX at the Back Office repeatedly told me it could take up to 90 days for corrections to appear,, even though TD admitted the error on XX/XX/XXXX. This ongoing inaccuracy has severely damaged my creditworthiness. As a direct result of TD 's false reporting, my {$9800.00} XXXX XXXX XXXX, which I have had since XX/XX/XXXX was closed on or around XX/XX/XXXX. TD has : * Admitted fault * Failed to correct the false bankruptcy flag * Failed to removed the false charge-off * Failed to reinstate my accounts * Failed to provide the required adverse action notice I am requesting that TD immediately correct all inaccurate reporting, remove the false bankruptcy and charge-off, provide the required adverse action documentation, and reinstate my accounts as promised numerous times by the TD Back Office Team . Impact on other accounts : XXXX XXXX account Closure : Because of TD Bank 's False bankruptcy reporting, my XXXX XXXX account was also closed by XXXX XXXX. This Closure was not authorized by me and was a direct result of the inaccurate information TD Bank furnished to the credit bureaus. This has further harmed my credit profile and reduced my available credit through no fault of my own. This happened on or around XX/XX/XXXX. * Note my name is XXXX XXXX not XXXX XXXX as noted on my profile.

Company response to consumer: In progress