Consumer complaint received 2020-04-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX/OCC see below emails My credit report is at a XXXX and went down 50 points as TD is reporting me late on my TD VISA. Ask TD why when I call and I have recorded calls- they will not accept my payment. By post or in TD bank- Cease and Desist was added by an XXXX  named XXXX XXXX and read the letter he wrote me from the last complaint. Thirst people can not do this! I am going to now sue for all the horrible acts TD is getting away with via CFPB!!! 
I HAVE Undeniable proof. Shame on you CFPB for allowing TD violate over and over. The works is XXXX down and TD during a Corona virus reports me late! TD list on line they are willing to help during the Corona virus! What a bunch of liars. Negligence. TD would not take my payment. Charging me late fees and interest and lied over and over. 
I will make sure every TD employee and higher up is held accountable for there actions. 

Those TD employees were emailed many times a day not one response. No TD visa statement which can only be mailed since its a closed account which again closed the account in 3 weeks. My loan account no access. Told to go in a branch by TD to show I am XXXX XXXX I have many recorded calls, emails and went in the Branch and this was in my prior complaint!!!! 

I want to make this clear since I have filed many complaints regarding the many bank violations TD has done over and over. CFPB just forwards the complaint and does not read and allows TD bank to get away with banking violations. I have sent an email to the director of the OCC. TD bank black listed my emails, Will not allow me to make a payment over the phone, not in a branch or the drive thru. I am also told due to the inability to work together and read a transcript. I HAVE Recorded calls. I have not received my TD visa statement sinceXX/XX/2020. They put a cease and desist without my permission!!!! They will not take my loan payments since XX/XX/XXXX. I had to beg for two hours no access to my own loan account!!!! I have been going in circles with these scumbags. 



From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Fw : Acct TD Visa XXXX XXXX XXXX XXXX. Loan TD Bank, the only creditor reporting me delinquent via Transunion credit report stating I am delinquent as of XX/XX/XXXX. TD put a cease and desist order!!!!! And blacklisted my emails. Meaning they blocked my emails as that is the email message I receive back. TD bank will not take my payments by phone, in the bank , drive through or by mail. I am being told by TD employees they read me a transcript on the phone due to our relationship TD is unable to assist so on and so forth. This abuse needs to stop. I have not received a TD visa statement since my XX/XX/XXXX payment was due XX/XX/XXXX to XX/XX/XXXX statement. My loan which I paid {$6000.00} and not behind charging me late fees and interest. Charging me interest on my Visa of {$71.00} with late fees. I am not late with one other creditor nor have any issues with any of my creditors. This is horrible that TD is abusive and unprofessional. I was in a hardship program with my TD visa. I tried to renew it and once again the games and hours on the phone. Keep in mind I have ample proof TD violated every banking violation you can think of. I am done dealing with being abused. Creditors are assisting people with no issues. This bank is not only trying to sabotage my credit but will do everything in there power in any way possible to harm me mentally. Possibly harming me in some way. 

If TD will not speak to me, or assist me in the Branch, and I mailed out my payment to a PO Box from the XXXX  chairmans office and still will not take my payments! Someone needs to step in as I will not be mentally abused or physically harm me and have my credit ruined for the egregious acts TD persons have done to me. I have substantial proof. 

XXXX XXXX I have emailed over and over. TD black listed my email. So I have filed a complaint with OCC with director. My credit score has gone down 50 points. I have telephone recordings! Proof I was at a branch. Are you people out of your mind!!! 
Where is my TD statement! This XXXX  from the chairmans office sends a letter which is a bunch of lies which I sent in my prior complaint. 
signed by a low end advocate XXXX XXXX who is a complete XXXX  and is a liar. I ha e phone records I called TD in XXXX, XXXX and XXXX. I have phone recordings along with my phone Records!!!! CFPB complaint XXXX-XXXX. The whole world is shut down and they are reporting me late!!!! I have stellar credit. These people are the worst low end people. 

1. They black listed my emails. I am not allow in a branch. Not because I am a threat if I was than they should take me to Court! Changed my password to my loan account which I have no access too and paid {$6000.00} a head of time. They charged me a late fees on that account and I was not late. I HAVE PROOF!!! 

These people are not going to get away with this!!! I have also contacted a Lawyer in the FCC. 

From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX ; XXXX XXXX Cc : XXXX XXXX Subject : Acct TD Visa XXXX XXXX XXXX XXXX. Loan Att XXXX XXXX : Another incompetent TD employee. Customer Advocate. How disgraceful! 

Mr. XXXX, I called your office and due to this outbreak as you well know I spoke to an official at the OCC and told due to my story I was advised to add you to this email. I have all proof to back up every single claim against TD Bank and its employees who continue to violate banking laws. The list is endless. 


1. I am so tired of filing complaints with CFBP and OCC and State Attorney General Office who gave me XXXX XXXX phone number and email address. He did not have the decency to respond to one of my emails!!!!! I have recorded calls, Phone statements, ID numbers of TD employees I spoke too!!!!! 

I was in a hardship program for my Visa. I had a direct contact with Director- XXXX XXXX XXXX who no longer works there!!!! I called many times XXXX, XXXX, XXXX to inquire to renew. I was provided NACA phone number by one of your XXXX  employees along with many others that would not provide phone numbers or transfer or assist to this so called new department!!!!! I spent hours on the phone! 

I have substantial proof!!!! Your hardship department has changed as of XX/XX/XXXX with no letter, and calling over and over with not one person to renew this. This XXXX  XXXX XXXX adds a cease and desist!!! TD bank can not even send out a correct dated letter or even debit my TD bank account for my loan payments when I had my bank acct. I have never had one issue with any other creditor accept this hood rat bank!!!! I want this situation over. I will not be abused anymore. 

1. I want the interest removed from my TD visa and late fees!!!! No one would take my payment. I was on the phone for two hours. Not one person would take my measly {$42.00} payment. I went in the bank and have no access to my loan. My password was changed and not by me and no one else accept TD bank I was locked out of my own acct. I had to beg someone to take my payment over the phone. 
I paid you scumbags {$6000.00} and did not even allocate the money properly. I have late charges. My interest is through the roof!!!! No statements that I asked for! I can not even log in my own account!!!!! I am not behind in my payments!!!!! 

I want my loan payments deferred and interest stopped. The same for the closed Visa acct! It was closed after three weeks. There is endless story after story. 

I went in TD Bank Branch with my passport, DL, and proof of my residence. XXXX at XXXX XXXX would not assist me and told me my get out as he has the authority through XXXX XXXX that he does not have to assist me. 
For the record XXXX XXXX Ive emailed you prior and you did not respond. Many times!!!! 
FYI I assure you its the law to assist. I will never go away until your egregious mistakes are rectified. 

I want my statements to my loan. 
Who is going to assist with hardship for my credit card. Who is going to assist with my loan. 

As for XXXX XXXX XXXX on you. By the way I mailed my payment and the check was not cashed!!!!! 
You have the nerve to treat me like a peasant and tell me to mail my payment!!!! Ask XXXX why he did not take my payment!!!!! You XXXX!!! 

Note : This is the only creditor I am having a three year battle. This has been going on since XX/XX/XXXX! 
I am so tired of spending hours to make a payment, to beg people to take a payment and not even late with my payments. I am locked out of my loan account! No statements, late fees, I am not even late. Interest not correct! I go into a TD Branch. My check is not accepted!!!!! What is going on here!!!!!!! 
I have proof of every statement I make and witnesses and High Ranking employee In the consumer affairs office that tried to assist me and spoke to TD Bank and its employees. He said- I have been here over 15 years and never seen a case like this along with the hellish people at TD bank. This needs to stop once and for all. NOW. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief