Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: KS

Complaint narrative:
On XX/XX/XXXX I made a purchase from XXXX for a new cell phone and watch which was a one time purchase, as well as agreed to an ongoing monthly charge of {$11.00} for a device protection plan. To pay for this purchase I opened a new line of credit for {$4200.00}. This line of credit was serviced and administered directly by XXXX XXXX but was backed by TD Bank, NA. The account remained in good standing with the total one time charge balance being paid in full and the monthly charges paid on time. 

In XX/XX/XXXX XXXX notified it's customers that they were terminating their servicing platform and that customers would need to establish new accounts directly with XXXX Bank to continue making payments and manage their line of credit. I began this process and encountered many issues. I worked directly with XXXX and TD Bank and was informed that because I had previously had opened and closed lines of credit with TD Bank that there were issues with my online access. I made payments via phone while attempting to work through issues, which were never fully resolved. On XX/XX/XXXX I made the request via TD Bank phone customer support to close my account, and terminate all monthly charges and services. TD Bank agreed to do this and informed me my account was closed. 

In XXXX of XXXX I began receiving statements at my home via postal mail that I had a past due balance incurring late fees. On XX/XX/XXXX I called TD Bank to inquire and was told my account was closed, but the balance was for services in XXXX that had not posted when my account was closed, and the late fee was because the amount was not paid by the XXXX due date. I agreed to pay the {$58.00} to satisfy the balance on my account and be completely done with this line of credit. 

In XXXX of XXXX I received a notification from XX/XX/XXXXthat there was a change to my credit. Upon logging in my credit score had dropped over 220 points from the low XXXX to a high XXXX. The reason for this was that TD BankXXXX XXXX had reported a past due balance, unpaid since XXXX with multiple late fees. Upon further investigation a charge of {$1.00} was applied to my account on XX/XX/XXXX. This was the day AFTER I had made the final payment, on an account that was closed since XX/XX/XXXX. Nobody from TD Bank has been able to explain why there was a charge of {$1.00} applied to my account. 

Since XXXX I have made several calls attempting to come to a resolution. I have filed disputes with all XXXX major credit bureaus. On XX/XX/XXXX I post marked a XXXX Consumer Credit Report Dispute form found here -XX/XX/XXXXI requested that TD Bank send me a letter showing the date the account was formally closed, as well as my detailed statements of charges and payments from XX/XX/XXXX - XX/XX/XXXX. I also requested that they zero the account balance and retract all negative reports from all credit reporting agencies, thus returning my credit score to the XXXX range it was prior to their initial report of delinquency. 

As of XX/XX/XXXX I have received no phone calls, no voice mails, no email, and no postal mail from TD Bank or XXXX in regards to the XXXX form I submitted which is beyond the 30 day deadline they have to respond. The reports are still showing on my credit report negatively impacting my credit score, and the original {$1.00} balance from XX/XX/XXXX is now up to {$47.00} in late fees and additional charges. 

Please someone help me hold this company accountable. I am trying to buy a home and send my daughter to college and this company has made that increasingly difficult over {$1.00} that was fraudulently charged to my account over 2 months after the account was closed and I made final payments.

Company response to consumer: Closed with monetary relief