Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This complaint is a new complaint, associated with past similar incidents but with no positive outcome remedy. To the point : I opened a personal loan of {$XXXX} on XX/XX/XXXX. I had a great XXXX score of XXXX. In XXXX due directly to medical complications with the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which claimed bankruptcy, XXXX  XXXX because of XXXX XXXX affected me directly, causing me to fall behind on monthly payments to this account. I tried desperately with paying {$XXXX} a month towards this account while calling TD bank, asking for any assistance, even refinancing the loan to a lower payment. I was denied by TD bank. After several months of paying what I could, not able to work, suffering from XXXX XXXX XXXX XXXXXXXX XXXX this account was eventually charged off/ written off I believe in XX/XX/XXXX. This was reported to my credit report as such with notes due national Disaster. Finally after regaining my health and working now, three ( 3 ) jobs, I saved enough money and called TD bank in hopes to settle this already written off / charged off account, as Im not a person to claim bankruptcy, If I owe money, Ill pay my bills. On XX/XX/XXXX I spoke with a very nice gentleman in collections. Fully explained my situation and we were able to agree to a compromised settlement. Id pay {$XXXX} towards what I believe was a balance, with interest accrued of around {$XXXX}. This agreement was settled on XX/XX/XXXX with using my banking information, routings and account info from then, XXXX XXXX  and further discussion of reporting my account as settled for less then owed, paid and closed I was told would be the reporting information to my credit report. I understand after the gentleman told me this may stay reporting this information up to three years. With this understanding, and receiving the agreement paperwork emailed to me, I paid the {$XXXX}. Since then, two TD bank accounts appear on my credit report, one with information as to an account # XXXX reading paid, closed, written off with additional information as to Potentially Negative in red above this report. Another TD  account with XXXX XXXXXXXX with reading of transferred, closed, {$XXXX} written off as of. XX/XX/XXXX. With two attached responses from TD bank as to why these two TD bank accounts are reporting both potentially negative information is related to times off written off then another date of settlement. Per the Federal Fair debt reporting act, accurate reporting is required but this response inaccurate. All information should be reported under one and TD account that I had, not two negative reports which is misleading information that other creditors see as possible two different accounts that were delinquent and are being reported with again, misleading information. One with account was transferred, written off and the other as Paid, closed and written off. There should only be one TD bank account, the original account that should be reported as written off, settled for less then owed in settlement, closed. That it. What TD bank is doing by reporting this one account twice, with slightly different negative information is severely hurting my fico score, has caused me to be denied credit, housing assistance and paying higher car insurance premiums directly because of how TD bank is reporting this one account. Ive tried to be a good citizen, a good customer and do the right thing my father has always taught me to do. Be honest, be polite, stand up not just for myself but for others who cant stand up for themselves. Ive tried tirelessly as you can see to remove one of these TD accounts and update information that would be beneficial to me but with the response of TD bank as to there reasoning, it destroying my life. Recently, TD bank itself has been in the new for very unethical and illegal business practices and Im not trying to be an angry person but TD bank needs to do something nice here and assist me, a customer who at least payed is debt in some small way. Can TD bank do some small jester for a person whos just trying to regain there live with everything thats happened?

Company response to consumer: Closed with explanation