Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I just moved back to XXXX  in XXXX XXXX for work on XX/XX/XXXX. I previously used to live in XXXX from XX/XX/XXXX to XXXX of XXXX for work. When I lived in XXXX I was with TD Bank as it had crossborder banking between XXXX, XXXX, XXXX and the US. For the year and a half I was there I paid every bill on time, never had a missed payment as I made very good money and never had to worry about finances. When I was promoted for work to move back to XXXX I had paid off my last Visa bill and called TD to ask if there was anything pending on their end that I needed to know about before cancelling my Visa, closing my US account and removing all my funds out of the account and transferring back to XXXX. I was told there was nothing showing on their end and I was all clear. When I came back to XXXX  this past XXXX when I went to set up again my TD US account I was easily able to reopen a new account and get a debit card, when they went to apply for my Visa they said I had an owing balance of {$140.00} that was pending on my credit card from XXXX that went to collections and I had to pay off the owing bill before I could get a credit card. I approved the payment and paid it on XX/XX/XXXX as I had $ XXXXUSD in my TD account transferred over from XXXX . They told me it was paid. 5 weeks later I got a call from the Manager at TD Bank saying they made a mistake and didn't debit the payment and because of this it caused a credit report to come through showing this dropping my score so low that it caused me to have to pull out of a home I was going to purchase in XXXX XXXX. It has now been still reporting on my credit score since XX/XX/XXXX. After another month of credit reporting I noticed it was still there and sent in on XX/XX/XXXX a dsipute to TD to have it removed as it was paid off and it ws causing my credit score to continue reporting poorly because of this. Today my score without the report is at XXXX and with the TD reporting it is showing I have a XXXX score. Because of these issues with TD I lost a house, a mortgage, had to scramble to find a short term rental to ensure my XXXX XXXX XXXX wife and dogs weren't left homeless as this all transpired as they were coming down to move in to this planned newly purchased house. I am requesting your support it getting this silly charge removed as it is impacting my ability to buy a home that I have the money to purchase, I have built in 5 months a credit score of XXXX to XXXX as I spend a lot of money for all my restaurants, I have lost a home and a mortgage due to this as well as out of pocket for the house assessment and inspection. In XXXX I own two properties, have a credit score of XXXX and just want to continue building our families new life in XXXX  and TD is hindering me from that for mistakes they made back in XXXX and currently this year in XXXX. I would really appreciate your support with this! Thank you!

Company response to consumer: Closed with explanation