Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
LOAN ACCT UNSECURED LINE OF CREDIT TD BANK ACCT XXXX LINE OF CREDIT FOR {$10000.00} TD VISA ACCT NUMBER XXXX CREDIT LINE {$15000.00} OPENED XXXX AND CLOSED XXXX. LESS THAN TWO WEEKS. 

THE FIRST YEAR WAS 0 INTEREST ON BALANCE TRANSFERS AND PURCHASES. 

I HAVE BEEN RECEIVING LATE FEES, INTEREST CHARGES. I TRIED FOR ALMOST A YEAR TO RESOLVE THIS THROUGH MANY DIFFERENT PEOPLE. XXXX XXXX WHO IS AT CONSUMER AFFAIRS XXXX  HAS BEEN HELPING ME FROM DAY ONE. HE EVEN ON TWO DIFFERENT OCCASSIONS SPOKE TO TD BANK EMPLOYEES AT THE BRANCH. I HAVE BEEN BLACKLISTED BY EMAIL AS I TRIED TO RECEIVED HELP AT XXXX AND XXXX. PLEASE SEE PROOF OF THE EMAIL THAT I AM BLACK LISTED. I AM HUNG UP ON ABUSED TRANSFERRED, PUT ON HOLD. REFER TO OUR COUNSEL WITH NO NAME OR CONTACT FOR COUNSEL, HORRIFFIC WHAT I HAVE BEEN THROUGH. WHEN I OPENED THE LINE OF CREDIT I HAD AUTOMATIC DEBIT FROM MY TD CHECKING ACCOUNT TO DRAFT THE {$220.00} AND HAD OVER {$12000.00} IN MY TD CHECKING ACCOUNT. THEY NEVER TOOK THE FUNDS OUT OF MY ACCOUNT AND REPORTED ME TO ALL THREE CREDIT BUREAU 'S 60 TO 90 DAYS LATE AND WHEN THE PAYMENT WAS DUE I CALLED TD BRANCH ON XXXX XXXX XXXX AND LET XXXX XXXX WHO NO LONGER IS EMPLOYED THERE. I HAD TO GO TO THE BRANCH AND PHYYSCIALLY PAY IN CASH {$220.00} EVERY SINGLE MONTH. PLEASE SEE LETTER FROM THE INCOMPTENCE THAT TD ADMITTED AND CONTINUING TO MAKE THE SAME MISTAKES ON SPITE AND PERSONAL ATTACK AGAINST ME. XXXX XXXX IN CONSUMER AFFAIRS CAN ATTEST TO MY NEVER ENDING BATTLE WHICH HAS TAKEN A TOLL ON ME WITH TD BANK. I HAVE BEEN ON THE PHONE FOR THREE HOURS TODAY WITH THE LOAN DEPARTMENT. XXXX XXXX, HUNDG UP ON ME AFTER BEING ON THE PHONE FOR 30 MINUTES PULL THE CALL, INCOMPETENCE. THAN I SPOKE TO XXXX XXXX IN MAINE AND ASKED FOR A SUPERVISOR AND HIS NAME WAS XXXX XXXX, HE WOULD NOT SPEAK TO ME AND STATED A CALL BACK OF 48 HOURS WHILE AVAILABLE TO SPEAK WITH ME BE AS PER XXXX XXXX, XXXX XXXX HUNG UP ON ME AFTER 30 MINUTES OF PUTTING ME ON HOLD. XXXX XXXX WHO I SPOKE TO LAST WEEK HUNG UP ON ME ANS SAID SHE WOULD HAVE COUNSEL CALL ME. NO ONE CALLED ME. WHAT COUNSEL??? SO THAN I WAS GIVEN XXXX XXXX IN WASHINGTON DC WHO IS THE VP OF COUNSEL OF TD BANK XXXX AND HE WAS BAFFLED AS TO WHY I AM CALLING HIM. TD IS CHARGING ME {$10.00} EVERY MONTH FOR LATE FEES DUE TO NOT DEBITING MY ACCOUNT INITIALLY AND WILL NOT CREDIT. XXXX XXXX WHO I WENT INTO THE BRANCH TO TRY AND RECEIVE ASSISTANCE WITH MY ON GOING ISSUES AND SPENT TWO HOURS WITH HER AND PROVIDED ALL THE DOCUMENTATION AND PROOF AND SHE DID NOTHING AND NEVER RETURNED A CALL BACK TO ME. I CALLED THE BRANCH STATING I WAS XXXX XXXX AND THAN SHE TOOK THE CALL AND WAS UPSET THAT NOW SHE IS BEING ADDRESSED AND WHY SIT WITH ME AND COPY DOCUMENTS AND SHOW YOU PROOF. SHE IS THW ASSISTANT MANAGER OF THE BANK AND THE MANAGER OF THE BANK IS XXXX XXXX WHO IS AWARE OF THE SITUATION SINCE THE BEGINNING AND DID NOTHING TO RESOLVE MATTERS. XXXX XXXX WAS A WITNESS WHO IS A TD BANK TELLER WHO WAS AT THE DRIVE THROUGH ON XXXX AS XXXX XXXX WOULD NOT TAKE MY LOAN PAYMENT ON MY VISA PAYMENT AT XXXX XXXX BRANCH AND I WAS THERE FROM XXXX XXXX TO XXXX XXXX  TO TRY AND GET ASSISTANCE WITH THESE ON GOING ISSUES. THE BRANCH ON XXXX XXXX XXXX THROUGH WAS OPEN AND THE TELLER HEARD WHAT XXXX AT TD VISA WAS ACTING ABUSIVE. THE TELLER TOLD ME TO COME BACK TOMORROW AND THE ASSISTANCT MANAGER CAN HELP ME AND THAT IS XXXX XXXX WHO COPIED MY DOCUMENTS AND DID NOTHING TO RESOLVE MY LOAN AND VISA ISSUES, VISA ISSUES, LATE FEES, INTEREST CHARGES, THE ACCOUNT WAS OPEN FOR TWO WEEKS AND CLOSED WITHOUT MY KNOWLEDGE. MY CHECKJING ACCOUNT WAS CLOSED AFTER 10 YEARS. MY LINE OF CREDIT REMAINS OPEN. I HAVE TRIED FOR MANY MONTHS TO GET ASSISTANCE. THES E ARE BASIC ADMINISTRATIVE ISSUES. I HAVE TRIED TO SPEAK TO LOSS MITIGATION DEPARTMENT AND HUNG UP ON, NO RETURN CALLS. I HAVE NEVER HAD ONE NEGITIVE REPRTING FROM ANY CREDITIORS ACCEPT TD BANK. MY FICO SCORE NOW IS XXXX DUE TO A {$29.00}. I WILL BE IN MORE DETAIL ON ALL SOCIAL MDEDIA SITES WITH TD EMPLYOYEE NAMES, PHONE NUMBERS, EMAILS, ADDRESS, LOCATIONS OF CALL CENTERS SO ANY OTHER PERSON WILL NEVER HAVE TO GO THROUGH WHAT I HAVE ENDURED AMONG THE THOUSANDS OF COMPLAINTS SIMILAR ON SOCIAL MEDIA. 

1. I WANT A SETTLEMENT AT THIS POINT WITH BOTH ACCOUNTS. I WANT NO FURTHER DEALING WITH THIS ABUSIVE BANK. I TRIED TO GET AN EXTENSION ON MY LOAN. LATE FEES {$90.00} MONTHLY INTEREST ON MY VISA PLUS {$35.00} LATE FEES WHEN I PAY ON TIME IN CASH AT THE BRANCH AND XXXX XXXX CONFIRMED THIS SHOULD NOT BE HAPPENING AND TD VISA STATES SAID IT TAKES TWO DAYS TO PROCESS WHICH I LET XXXX KNOW THIS. THIS IS SUCH NON SENSE, THE LEFT DOES NOT KNOW THE RIGHT. 
I CALLED ANOTHER BRANCH MANAGER XXXX XXXX IN XXXX XXXX XXXX TO LET HIM KNOW WHAT IS GOING ON. HE TOOK MY INFORMATION ANS SAID HE WOULD GET BACK TO ME. I CALLED THE CHAIRMANS OFFICE AND LEFT MESSAGES AT XXXX AND LEFT MANY MESSAGES WITH NOT ONE CALL BACK, WHILE MY TD VISA WAS ACTIVE AND OPEN AND DID BALANCE TRANFERS TO PAY STORE CREDIT CARDS TD VISA STOPPED PAYMENT ON XXXX AND XXXX AND NEVER PAID THEM AND CHARGED LATE FEE WITH BOTH CREDIITORS AND STOP PAYMENT FEE WHICH TD SENT OUT THE CHECK AND STOP PAYMENT FOR BOTH CREDITORS AND NEVER REISSUED A CHECK. THAN XXXX THEY CLOSED MY VISA ACCOUNT. I SPOKE TO XXXX XXXX AND ASKED FOR THIS CALL TO BE PULLED FROM XXXX XXXX WHO NEVER CALLED ME BACK AND WAS COMPLETELY IGNORED. 

THIS NONSENSE NEEDS TO STOP AND THIS NEEDS TO BE RESOLVED.

Company response to consumer: Closed with explanation