Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
TD Bank NA DBA TD Retail Card Services has violated the FDCPA and caused injury to me. 

From the beginning at the end of XX/XX/XXXX I have disputed the late reporting, and this has never been reported as In Dispute with any of the credit reporting bureaus since then even to this day.

TD Bank made several harassing phone calls after being given verbal notice to cease and desist and put everything in writing, since the first phone call in XX/XX/XXXX. Furthermore, TD Bank NA has not provided anything for me in writing to this day.

TD Bank refused to provide any validation of debt, agreement or even an acknowledgement that their reporting is In Dispute ; and has instead continued with harassing calls into XX/XX/XXXX. 

In fact, TD Bank misrepresented what they will do which was to remove the negative reporting if I paid in full and that I may be required to file a dispute from per their company protocol to get it removed which is what I did, and they did not honor it.

Whenever I was on the phone with TD Bank and asked for verification and validation of debt and/or put everything in writing, TD Bank would hang up on me, then start spam calling me again. Therefore, under duress and protest, I paid on this condition that TD Bank would update the credit reporting to reflect the account as never late/always on time with XXXX balance due this is how my entire history with TD Bank and XXXX has been since XX/XX/XXXX absolutely perfect, never late/always on time up until XXXX terminated business with TD Bank, shut down this " XXXX XXXX card '' department XXXX abruptly closed my account and then TD Bank provided a disconnected phone numbers and several different addresses.

Even after TD Bank NA received payment in full seven ( 7 ) months before the account was due to be paid off, TD Bank once again made another harassing phone call.

Then, three ( 3 ) weeks later, TD Bank once again reported the account as XXXX ( XXXX ) days late instead of as XXXX balance due, closed, never late/always on time per the agreement when i paid under duress/protest in full. This negative reporting is extremely damaging, in my XXXX  credit report, TD Bank has reported the account as 60 days late ; and in all credit reports, TD Bank has never updated the credit report to reflect that there is a IN DISPUTE reported to them even after being given notice of dispute. 

As for the false and misleading contact information by TD Bank, all contact information is completely different in all three credit reports different phone numbers and addresses this ( as mentioned above ) is what caused my confusion, because in the Experian credit report ( the one I use regularly ), the phone number provided by TD Bank is DISCONNECTED, and the address was incomplete at the time in XX/XX/XXXX. 

In the Transunion report ( Exhibit XXXX ), the address is in XXXX XXXX, and phone number is ( XXXX ) XXXX which when you call it takes you to a credit limit increase department, and I didnt get this information until I pulled my Transunion credit report as of XX/XX/XXXX, just prior to filing this FDCPA violation to XXXX. 

In the XXXX  report ( Exhibit XXXX ), the address is a XXXX XXXX XXXX South Carolina and phone number is ( XXXX ) XXXX, and this number has a recording saying can not be completed as dialed. 

In the XXXX  report ( Exhibit XXXX ), the address now has XXXX XXXX address in South Carolina with phone number ( XXXX ) XXXX this phone number is DISCONNECTED. 

The number TD Bank made all the harassing phone calls from is ( XXXX ) XXXX ( Exhibit XXXX ) Even the payment website was not working properly. 

This is kind of false and random information is complete and total confusion and creates controversy see the attached Exhibits 001, 002, 003 and 004.

Even after harming me for XXXX ( XXXX ) months ( and counting ), as a show of good faith, I reached out to TD Bank to resolve this matter before involving FTC and CFPB. During the first attempt TD Bank representative just hung up on me ; and the second attempt, they effectively told me that they got their money, closed the account and there was nothing they will do as of XXXX, XX/XX/XXXX hence the reason for this FDCPA violation complaint.

In short : TD Bank has caused an injury to my credit reputation and misrepresented an agreement created under threat and duress by way of repeated telephone call harassment while reporting negatively to my credit report to coerce me into making a payment and over charged me {$25.00} more than the unvalidated debt was ; and every attempt to get validation/communication in writing was met with being hung up on.

Company response to consumer: Closed with explanation