Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (OH)

In XXXX of XXXX I received a letter on a account that I had with TD Banks on a debt owed. On XXXX XXXX, XXXX I sent a letter to XXXX XXXX from XXXX XXXX XXXX stating that I had a dispute in the amount of money owed with this case and to see if a payment arrangement can be made. I also sent a copy of this letter to the XXXX County Clerks office for XXXX XXXX. 

On XXXX XXXX, XXXX I had a hearing with XXXX XXXX XXXX clerk. In attendance was a contracted attorney for the law firm, myself and the clerk. At this time I stated on the record that I accepted the debt and wanted to set up payment arrangements. After the hearing, the contracted attorney gave me the phone number to get in contact with someone at the XXXX XXXX office. 

On Tuesday XXXX XXXX, XXXX I contacted the phone number at XXXX XXXX. My call was routed to XXXX XXXX because she was assigned to my case. I left a message for XXXX to contact me. I waited a week then I called XXXX XXXX again and left her another message for her to give me a call. No call was ever returned. So at this time on XXXX XXXX, XXXX I decided to start voice record myself contacting the XXXX XXXX XXXX and asking for XXXX XXXX and asking her to please return my call so that arraignments can be made regarding my case. I would contact XXXX XXXX leave a message and wait for a week to see if she will return my call and them do the same thing all over again. Since I was n't getting a response from XXXX XXXX I decided to write a letter to her on XXXX XXXX, XXXX letting her know I had been leaving voice mail messages for her to contact me back on if payment arrangements can be set up. At this time I sent the letter certified with signature required and return to sender. XXXX received my certified letter on XXXX XXXX, XXXX and someone from the firm signed that it was received. On XXXX XXXX, XXXX I received a letter from XXXX County Clerks Office that a judgment had been made on XXXX XXXX against me due to not filing a response. This is bold face lie on me but also to the County Clerk who signed off on this. So on XXXX XXXX, XXXX I gave an attorney XXXX XXXX my information to see why did XXXX XXXX has lied and if it was legal. On my behalf XXXX XXXX contacted XXXX XXXX and left her a message that she was calling her regarding my case and how she lied to the court. It took 2 weeks but XXXX XXXX finally contacted XXXX XXXX back. The conversation entailed that yes an agreement can be made. I can either pay 75 % of the bill upfront or make {$50.00} payments monthly. I took the {$50.00} a month payment. XXXX XXXX contacted XXXX XXXX again and once again it took her about 2 week to respond back but told her that I wanted the $ 50 monthly payments, At this XXXX XXXX stated that she would contact me to set up monthly payments. She never called. Finally Attorney XXXX told me to contact her. On XXXX XXXX, XXXX I contacted XXXX XXXX to set up payment arrangements. At this time I recorded and spoke to XXXX XXXX 's and told her what Attorney XXXX said about the payment arrangements that was discussed with XXXX XXXX. XXXX XXXX would not let me set up payment arrangements because I stated I had an attorney. There were n't any notes with my account stating that XXXX XXXX ever spoke to Attorney XXXX in the 2 times they spoke in XXXX. So not only has XXXX XXXX has lied to the court she has now lied on a well respected Attorney meanwhile interest has now started to be added of over {$150.00} due to XXXX XXXX XXXX and XXXX XXXX scamming to get more money. XXXX XXXX told me that in order for XXXX XXXX to speak with me, I need to have Attorney XXXX to contact XXXX XXXX back and say I am allowed to speak to XXXX XXXX on my own. Attorney XXXX has contacted XXXX XXXX numerous times which have been documented and XXXX XXXX has not returned any of them. So since I cant contact XXXX XXXX XXXX on my own and Attorney XXXX cant get in contact with XXXX XXXX interest keeps going up making my bill higher.