Consumer complaint received 2020-09-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
TD Bank is claiming that I owed them interest and fees, although they ( 1 ) agreed not to charge interest and fees and even refunded {$2.00} that I had paid, ( 2 ) continued to amass fees after the account was closed and paid off, and ( 3 ) never informed me by mail or email or by automated checking account withdrawal that they felt that I still owed them anything.

As thecfpb has already closed a related case, I am forced to file yet another complaint.

I DO NOT, AND DID NOT, OWE THE {$3.00} THAT TD BANK CLAIMS THAT I OWED. 

I wrote XXXX XXXX with a few changes, as I found more documentation.I have asked Mr XXXX to contact me directly via phone, and to email me, which he has not done. USPS tracking shows that the letter ( addressed to Mr XXXX and marked " personal '' ) was picked up on Thursday XX/XX/XXXX. 

I am also asking that Mr XXXX give me the name and phone number and email address of his supervisor. 

I DO NOT, AND DID NOT, OWE THE {$3.00} THAT TD BANK CLAIMS THAT I OWED. 

Proof, which I sent Mr XXXX : 2 ) XX/XX/XXXX letter asking for a past-due amount of {$0.00} 4 ) XX/XX/XXXX letter from Mr XXXX, stating that TD Bank has not negatively reported my account to the credit bureaus, that my account has been closed, and that there is a balance of {$2.00} which they are refunding. 
5 ) XX/XX/XXXX letter stating that there was a {$2.00} balance on my account that TD owed me ( sent with a check for the {$2.00} ) 7 )  Check I wrote to TD Bank on XX/XX/XXXX for {$6.00} which was cashed by them and shows up in my XXXX XXXX  statement on XX/XX/XXXX 8 )  My XXXX XXXX  statements for the periods ending XX/XX/XXXX and XX/XX/XXXX, showing no attempt by TD to withdraw the money I allegedly owed XXXX ) I'm also attaching my XXXX XXXX  statement ending XX/XX/XXXX, showing that on XX/XX/XXXX TD tried to withdraw {$5.00} ( reversed on XX/XX/XXXX by XXXX XXXX  ). Obviously, as of XX/XX/XXXX, I only owed TD Bank {$5.00}. Since TD cashed my check for {$6.00} on XX/XX/XXXX, TD owes me {$1.00} and I owe TD Bank nothing. 

I also sent Mr XXXX : XXXX ) XX/XX/XXXX letter from Mr XXXX, stating that the automated deductions from my XXXX account are from a " recurring payment that you authorized and set up on XX/XX/XXXX to be taken out of your XXXX XXXX  checking account ending in XXXX to be applied to your TD Bank credit card ending in XXXX '' This is completely inaccurate, as the payments I authorized were from Ally Bank for a different account number 3 ) XX/XX/XXXX letter from Mr XXXX, FINALLY explaining that the TD credit card was the same as my XXXX credit card 6 ) My XXXX  credit card statement ending XX/XX/XXXX, with a paragraph that 99 % of people would not read, mentioning that TD card I phoned TD XXXX on XX/XX/XXXX ( date is approximate ) and spoke with XXXX. She said she removed all the charges, Yet when I spoke with XXXX at that number on XX/XX/XXXX, she said that there was a balance of {$1.00} due. TD Bank is still charging me interest despite there being a {$0.00} balance and the account closed. 

As TD Bank cashed my check for {$6.00} when I only owed {$5.00}, never informed me that they feel that I owe them anything, and they did not try to withdraw it from my XXXX XXXX  account, I did not and do not owe them anything. 

The first I heard of any amount that I allegedly owed TD Bank was when I got a copy of my credit report. 

I am asking again that TD Bank acknowledge that I did not and do not owe them anything, and to remove the XXXX mark on my credit record. 

Attached is the letter which I sent Mr XXXX, which gives the details. 

Also attached are documents 1-9, mentioned above.

Company response to consumer: Closed with non-monetary relief