You asked: How do I dispute information on my credit report that was reported by TD Bank to the credit bureaus
We matched that to: How do I dispute information on my credit report that was reported by TD Bank to the credit bureaus?
Step One
For Mortgages or Home Equity Loans:
Mail a written statement with copies of your supporting documentation to the appropriate address for the product you are disputing.
If you think there’s an error, would like to send a request for information, or have a credit bureau dispute related to your mortgage or home equity loan, please write us as soon as possible.
In your letter, be sure to include:
For Lines of Credit, Credit Cards, Personal Loans, Auto Loans or Deposit Accounts:
In a written statement, please provide the following information:
For your convenience, we've created an optional Consumer Report Dispute Form that you may use as your written statement.
Important Note: If we do not receive sufficient information to identify your account, you may experience a delay, or we may be unable to investigate your dispute.
Step Two:
For Mortgages or Home Equity Loans:
Send your letter to:
TD Bank
Operations Center
P.O. Box 218
Lewiston, ME 04243
Or, if you previously mailed your payment to Fort Pierce, FL, mail it to:
TD Bank
Operations Center
PO Box 100226
Columbia, SC 29202
If you are unsure of which address to mail your letter, please call us at 1-888-751-9000. A delay may be experienced if the letter is not mailed to the specified address.
For Personal Loans or Home Equity Lines of Credit
Use this address if you are disputing information regarding your home equity line of credit or personal loans, including automobile, recreational vehicle/boat, collateral, unsecured and Moneyline Overdraft Protection.*
TD Bank Operations Center
P.O. Box 219
Lewiston, ME 04243-0219
Or, if you previously mailed your payment to Fort Pierce, FL, mail it to:
TD Bank
Operations Center
PO Box 100226
Columbia, SC 29202
If you are unsure of which address to mail your letter, please call us at 1-888-751-9000. A delay may be experienced if the letter is not mailed to the specified address.
For Disputes on a TD Bank VISA Credit Card
TD Bank Credit Cards
P.O. Box 84037
Columbus, GA 31908-4037
Use this address if you are disputing information regarding your TD credit card.
For Disputes on a TD Retail Card (serviced by TD Bank)
TD Bank Retail Card Services
P.O. Box 731
Mahwah, NJ 07430
Use this address if you are disputing information regarding your credit card issued and serviced by TD Bank, N.A.
For Disputes on a Target Credit Card
TD Bank USA, N.A.
c/o Target Card Services
PO Box 9500
Minneapolis, MN 55440
Use this address if you are disputing information regarding your Target credit card issued by Target and serviced by TD Bank, N.A.
For Disputes about a Personal Deposit Account
TD Bank
ATTN: ME100-36
P.O. Box 9547
Portland, ME 04112
Use this address if you were recently denied opening a new personal deposit account, such as a checking, savings, CD or Money Market, based on information on your credit report.
What happens after I mail my written statement and supporting documents to dispute information on my credit report?
We will respond to credit bureau disputes within 30 days. A delay may be experienced if the dispute is not mailed to the specified address.
We will notify you of the results of our investigation within 30 days of receiving your dispute. We may take up to 45 days to investigate your dispute if, after providing us with your initial notice of dispute, you provide us with additional information that is relevant to our investigation or we need additional time to complete our investigation. If our investigation finds that the information you are disputing was inaccurate, we will notify the consumer reporting agency of our determination and provide the consumer reporting agency with the information necessary to correct the inaccuracy.
How do I determine which address to send my written statement and supporting documents?
To prevent a delay in the investigation of your dispute it is important that you send your information to the correct address at TD Bank.
Use the Lewiston, Maine, address for any disputes regarding your TD Bank home equity, mortgage or personal loans, including automobile, recreational vehicle/boat, collateral, unsecured and Moneyline Overdraft Protection.
Use the Columbus, Georgia, address for any disputes regarding your TD credit card. These cards have a TD logo on the face of the card.
Use the Mahwah, New Jersey, address for any disputes regarding a credit card issued and serviced by TD Bank N.A. – i.e. a department store, sports team or national retailer branded credit card. Learn more about TD Retail Card Services.†
Use the Portland, Maine, address for any disputes regarding your TD Bank personal deposit accounts, including checking, savings, CD or Money Market accounts.
Use the Minneapolis, Minnesota, address for any disputes regarding your Target Credit Card.
Complete a written statement for each product. For your convenience, we've created an optional Consumer Report Dispute Form that you may use as your written statement. Then mail your written statement and all copies of your supporting documentation to the appropriate address for that product.
Once the information furnished in your dispute is deemed applicable and is reviewed, the decision is considered final. However, you may resubmit the dispute to the designated address and provide any missing or new documentation that wasn't submitted at the time of the original dispute.
Your resubmitted dispute will be considered new and will go through the same procedure as your original dispute.
|
Credit Card Statement |
Credit Report |
---|---|---|
Types of Information Reported on (including, but not limited to) |
Purchases, payments, credits, cash advances, balance transfers, fees and charges |
Account opening date, credit limit, payment history and account statuses, plus late and missed payments and other defaults |
Credit Card Issuers Report Information to |
You, the consumer |
Credit reporting agencies |
If you have a dispute, then you must |
Follow the guidelines regarding Your Billing Rights outlined in your credit card agreement for submitting disputes. For example, if you have a problem with the quality of the property or services purchased, you may be required to first try to resolve the problem with the merchant prior to submitting a dispute. |
Send a completed written statement and copies of supporting documentation to your credit card issuer, who must then investigate your dispute within 30 days. |
Remember |
Information on your credit card statement – like late fees or fraudulent purchases – may also appear on your credit report and have a negative impact on your credit score. This is why it is very important that you always review your credit card statement and report incorrect information or fraudulent activity immediately to your credit card issuer. |
If you believe there is an error on your TD credit card statement, please contact Customer Service at 1-888-561-8861. A specialist will work with you to research the transaction and resolve it. Read more about TD Bank credit cards.
TD Retail Card Services is a division of TD Bank, N.A., which issues and services retail card programs for various retail merchants, including national retailers, department stores and sports teams. Read more about TD Retail Card Services.†
To dispute errors on your TD Retail Card Services credit card statement, contact Customer Service at 1-800-252-2551.
Under the Fair Credit Reporting Act (FCRA), the bank is required to report delinquency 30 days after the due date.
Jointly-held loans and accounts are reported to the credit bureaus for all borrowers equally.
We send electronic transmissions once each month. The credit bureau may not have received the updated information at the time you obtained a copy of your credit report.
Your credit report will show two accounts. One will reference an outstanding balance of $0.00 and the status of "transferred to another servicer". The other account will show the amount of the outstanding balance plus the name of the new loan service provider. Due to the Real Estate Settlement Procedures Act (RESPA), the new servicer will not report mortgage, home equity or mobile home loan information to the credit bureaus until 60 days after the conversion.
Per the Fair Credit Reporting Act (FCRA), most negative information will stay on your credit report for a minimum of seven years.
*Moneyline is no longer offered to new customers.
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