TD Bank US Holding Company Credit Card Complaint

TD Bank US Holding Company Credit card department,

Delinquent account Massachusetts

( This is what I sent to Target on -/-/2016 ) To Whom It May Concern : I am writing to correct a negative " Charge Off '' account listed on my recent credit report. My wife and I have worked very hard to keep our excellent credit history and just discovered a delinquency in a Target RedCard account. The timing could not be worse as we are trying for a home mortgage and this small account has devastated our normal 800+ credit score and will ultimately cost us many thousands in increased credit costs. It is our only negative account. I just spoke with - at your customer service center and, in good faith, paid off the account in full even though it was already charged off 11 days prior. - and I discovered that an incorrect address was inputted by the Target employee where we applied for the store


single correspondence or phone call regarding this store card. I demand that this charge off/paid in full account be deleted from my credit report. I accept full responsibility for not contacting Target as to why we were n't receiving an account statement but Target never even bothered to call my cell phone to say there was a problem with the account. I am also contacting the credit bureaus to try and remedy this. Please note my Massachusetts driver 's license and the incorrect mailing address that was used to process my - application. Thank you. ( The amount we placed on the card was around $170.00. I worked with the Massachusetts AG office for weeks but Target refused to removed the charge off from my credit report. Would you please help me restore my otherwise perfect credit history? )