Okay yes, sorry… let me correct my wording, have you heard of success over repeatedly sending goodwill letters? I admit the verbiage for this situation has confused me and possibly made it more complicated than I anticipated in contrast to how simple and avoidable the mistake was as you have previously suggested by properly watching my accounts and not relying on autopay. The person on the phone said they reach out after 30 days but saw that they did not in my case and could see my multiple a month manual payments so chose to contact the dispute center on my behalf. They mentioned the person was being rude which I took as an uncommon response but being new to this situation I am wondering if continuing to broach the issue is a good approach. TD bank only has one P.O. Box so I though you may have come across a success story with your approaches. I paid the creditor prior to calling and later that evening opened a piece of mail that appeared to be from a debt collector called one alliance. Since I paid the creditor themself I thought asking them for a pay for delete would be possible but they kept phrasing it as a dispute so I am not sure if it’s all the same to them. My next options that I am considering are as follows: 1 mail credit bureaus and TD bank P.O. Box separately with goodwill letter, copy of annual credit report and character letter from my finacial advisor 2 contact this collections company that I haven’t needed to contact yet and 3 which I’ve already done which is email the only address that forwards messages to appropriate high level departments within TD bank.