Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Dear CFPB, I have an account with Ashley TD Bank I have made over {$3000.00} in payments on an {$8000.00} balance on the original account which I opened up in 2022. The company still have my balance at {$7300.00}. This is not possible as I have not paid anything towards the principal. I work hard for my money, and I don't plan to freely hand it to any company and they are not doing right by the consumer while these CEO 's are getting rich and the common hardworking blue collar workers are suffering. I want my balance updated and corrected to what my balance should be. I have asked them to not contact me anymore until they get it right, I have a cease and desist letter in the file who XXXX a representative verified today on the call and they are still calling he. This is harassment and I will sue for statutory damages. They are breaking the law and getting away with it. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, XXXX, DC XXXX. 
You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.

You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency ( your file disclosure ). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if : o a person has taken adverse action against you because of information in your credit report ; o you are the victim of identity theft and place a fraud alert in your file ; o your file contains inaccurate information as a result of fraud ; o you are on public assistance ; o you are unemployed but expect to apply for employment within 60 days. 
In addition, all consumers are entitled to one free disclosure every XXXX  months upon request from each XXXX credit bureau and from XXXX XXXX consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information. 
You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer 1 reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than XXXX years old, or bankruptcies that are more than XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief