Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
Featured Example : XXXX  Representative Commits Fraud in Real Time Verbatim Transcript - XX/XX/year> Context : This conversation occurred on XX/XX/year>, shortly before XXXX PM during my ongoing investigation of Target 's fraudulent credit reporting practices. This was the XXXX time XXXX XXXX this exact fraud against me- withholding the failed login attempts that prove their system malfunction caused my account lockout. 
Critical Background : The actual timestamps in XXXX 's system are : XXXX AM " successful '' login, XXXX AM failed login, XXXX AM failed login and lockout. These timestamps were provided by other XXXX representatives both before and immediately after this call, proving this representative had access to the complete data. 

The XXXX XXXX : You are able to see the login history, right? 
XXXX : Yup, I'll just pull up the online XXXX history. 
XXXX : Cool, thank you. I appreciate that. 
XXXX : XXXX I know, are you trying to log in? 
XXXX : No, I'm not trying to log in, I'm trying to check the login history, which you guys have- thank you for confirming that you are able to check the login history. I wanted to check the login history. 
XXXX : Upon looking at it right now, your login history... there is no login history for right now. 
XXXX : Yeah, I haven't logged in for awhile. Could I check the login history on XX/XX/XXXX? 
[ XXXX second pause ] XXXX : XX/XX/XXXX... I'll double check. 
XXXX : Ok, thank you. Appreciate that. 
XXXX : XX/XX/XXXX... I'll go check. 
XXXX : XX/XX/XXXX... ( XXXX second pause ) Upon looking at XX/XX/XXXX, you successfully logged into the account. 
XXXX : Uh, you said I successfully logged in? 
XXXX : ( XXXX second pause ) So you successfully logged in on XX/XX/XXXX. 
XXXX : At what time? 
XXXX : Um ... XXXX. 
XXXX : Ok, that's correct, yeah. And then... what are the login times after that? 
[ XXXX second pause ] XXXX : I'm sorry? 
XXXX : I said that's correct, what are the login times after that? 
XXXX : After that... 
[ XXXX notes : " I start tilting my head and making a face in anticipation during his XXXX second pause here '' ] XXXX : After that, XXXX... 
XXXX : No. No. Not on XXXX ( he is continuing to provide the timestamps from way later )... not on XX/XX/XXXX. On XX/XX/XXXX, after the successful login at XXXX, what were the login times? 
XXXX : XXXX. 
XXXX : XXXX... 
XXXX : That's all that I see here. 
XXXX : That's the only one that you see there? Are you sure? 
[ XXXX second pause ] XXXX : Yeah. 
XXXX : You're absolutely certain that you only see XXXX? 
[ XXXX second pause ] XXXX : That is all I see ... XXXX... 
XXXX : Yeah? 
XXXX : Successfully logged in. 
XXXX : Yeah? 
XXXX : That's it, on XX/XX/XXXX. Other than that, there's no history. 
XXXX : There's no history except for the XXXX successful login? 
XXXX : Yes, that is correct. 
XXXX : Ok, so either someone deleted that history or you're not telling me the truth, but somebody has committed a crime at this point, right? Like, either you're not telling me the truth, or someone deleted the history, cause I already have the history. So, I know that there are other login times and either they're there in front of you and you're not telling me the truth, or somebody deleted them. Either way, somebody has committed fraud, so I'm just letting you know I'm aware this is fraud. Somebody did it. So my next question is, then... 

Why This Matters This is not a misunderstanding. The representative had complete access to the login data- as proven by other XXXX representatives providing the full timestamps both before and after this call. This representative deliberately withheld critical evidence that proves XXXX 's system malfunction caused the account lockout. 
This is not isolated misconduct. This exact fraud - providing only the XXXX AM " successful '' login while hiding the simultaneous failed logins and lockout- was XXXX against me XXXX separate times by different XXXX employees across all organizational levels. 
This is systematic deception. The pauses, evasions, and ultimate lies demonstrate trained behavior designed to shift blame from XXXX 's system failures to consumer responsibility. 
The stakes are real. This false narrative allowed XXXX to report me as delinquent to credit bureaus, dropping my lifetime XXXX XXXX XXXX to XXXX - a nearly XXXX destruction based on provable lies about their own data. 

The Broader Pattern This conversation represents just XXXX type of fraud XXXX XXXX against me. Their " graduated fraud '' system includes : Data Fabrication ( shown above ) : Lying about the contents of their own systems Access Denial : Claiming they can not see data they demonstrably possess Institutional Gaslighting : Routing customers to scam numbers, fake transfers, extended holds Organizational Lies : Claiming " XXXX  has no managers '' to prevent escalation Statistical analysis reveals that 90 % of XXXX  representatives demonstrate knowledge of XXXX access in neutral contexts, but 89 % deny this same access when credit disputes are mentioned - a XXXX swing that proves coordinated deception. 
This conversation shows XXXX 's systematic fraud in its simplest, most undeniable form : a representative lying about data while looking directly at it, captured in real time.

Company response to consumer: Closed with explanation