Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD VISA ACCOUNT XXXX ACCOUNT OPENED XX/XX/XXXX AND CLOSED XX/XX/XXXX I HAVE EMAILED, CALLED, SENT LETTERS, TO SEND ME MY TD VISA STATEMENTS BY POST. A DESIGNATED ( PAID ) XXXX XXXX XXXX XXXX, FL XXXX. THIS XXXX XXXX WAS STRICTLY SET UP FOR TD BANK. I HAVE BEEN HAVING SO MANY ISSUES WITH THIS BANK ON CLOSED ACCOUNTS NO LESS. 
I AM NOT RECEIVING MY STATEMENTS BY POST. AT TIMES CAN NOT ACCESS STATEMENTS ON LINE. I WAS TOLD FOR YEARS SINCE THE ACCOUNT IS CLOSED I HAVE NO ON LINE ACCESS AND BLOCKED BY TD BANK. MY EMAILS ARE BLOCKED BY TD BANK, FINALLY I CAN LOG IN ON LINE AND PAY AND HAVE ACCESS. HOWEVER, THAT IS NOT ALWAYS THE CASE. 

I HAVE BEEN INSTRUCTED BY THE OCC TO RECORD MY CALLS. DOCUMENT ALL MY ACTIONS WITH TD BANK.. THE FINDINGS WILL SHOCK ANYONE THAT IS NOT AN EMPLOYEE OF TD BANK. I ALSO HAVE A THIRD PARTY INVOLVED WHO INSTRUCTED XXXX XXXX REFRAIN FROM HAVING ANY ACCESS TO MY TD ACCOUNTS. I HAVE EMAILED XXXX XXXX IN THE CHAIRMAN 'S OFFICE WHO IGNORES ALL MY CORRESPONDENCE. I HAVE CALLED. THE THIRD PARTY CALLED AND IGNORES BASIC NEEDS FOR MY TD VISA AND MY PERSONAL LINE OF CREDIT. A CEASE AND DESIST LETTER WILL BE SENT CERTIFIED TO HER OFFICE. XXXX XXXX IS NOT TO HAVE CONTACT ME WITH ME DIRECTLY OR INDIRECTLY AND HAVE NO ACCESS TO MY TD ACCOUNT OR ANY OF MY INFORMATION IN ANY WAY SHAPE OR FORM. HE IS VERY UNPROFESSIONAL AND LIED ABOUT THE HARDSHIP PROGRAM TRYING TO SABOTAGE. MY RECORDED CALLS AND FINDING WILL SHOW EXACTLY THAT. HE IS TO REFRAIN FROM CONTACT BY POST, HAVING ANY ACCESS TO MY TD ACCOUNTS AS PER XXXXHIRD PARTY WHO WILL TAKE THE NEXT STEP IF NEEDED. I HAVE TRIED TO MAIL A PAYMENT AND RETURNED. THE WRONG ADDRESS IS ON THE TD STATEMENT. SEE ATTACHMENTS FROM TD BANK WEB SITE. I TRIED MAILING A XXXX CHECK. I PAID A {$10.00}. XXXX ON LINE WHICH WAS SUCCESSFUL. YOU WIL SEE ATTACHMENTS OF STATEMENTS. I SHOULD HVE CONTINUED TO BE IN A HARSHIP PROGRAM. I CALLED OVER AND OVER AND OVER. PRIOR TO EXPIRATION OF MY HARSHIP IN XX/XX/XXXX. I HAVE PHONE RECORDS AND RECORDED CALLS AND THIS WILL GO TO LEGAL IF NEED BE. I WILL WIN MY CASE. I HAVE THE PROOF. I WILL SUE FOR DAMAGES. I HAVE ATTACHED STATEMENTS. I AM BEING CHARGED INTEREST, FEES ON TOP OF THE THE INTEREST THAT YOU WILL SEE NOT ON THE FIRST PAGE OF THE STATEMENT THIS IS ON TOP OF THE INTEREST. THE ACCOUNT IS CLOSED. THIS FEES ARE NOT VALID AND NEITHER IS THE INTEREST. THE HARDSHIP PROGRAM WAS RAN BY XXXX XXXX WHO WILL BE SUBPOENNA AS A WITNESS. HE WAS THE DIRECTOR OF THE HARDSHIP DEPARTMENT AND NO LONGER EMPLOYED AND HE HAS PLENTY TO SAY. THE HARDSHIP DEPARTMENT WAS DISMANTLED IN XX/XX/XXXX. PHONE NUMBERS WERE DISCONNECTED. THE CALLS SPEAK VOLUMES CALLING IN TO TD BANK. XXXX XXXX WAS NOT EMPLOYED AT TD BANK ANY LONGER AND I TRIED OVER AND OVER TO CONTINUE THE HARDSHIP PROGRAM. I MOST CERTAINLY QUALIFIED FOR IT. TD EMPOLYEES HAVE SENT ME ON A WILD GOOSE CHASE. PROVIDING NO INFORMATION, TRANSFERRING ME TO RECOVERY DEPARTMENT. MY ACCOUNT IS NOT IN RECOVERY THE RECORDED CALLS AND TRANSCRIPTS WILL SHOW BANKING VIOLATIONS AND INCOMPETENCE. TD BANK WAS PAID {$1000.00} AND {$1900.00} WAS PAID. THERE IS AN OUTSTANDING BALANCE OF INTEREST AND FEES THAT I WILL NOT PAY. APPROXIMATELY {$430.00}.

Company response to consumer: Closed with explanation