TD Bank US Holding Company Consumer Loan Complaint

TD Bank US Holding Company Consumer Loan department,

Vehicle loan Managing the loan or lease New Jersey

- - - - - - -, NJ - TD Bank, - - - - -, ME - - -, - - : Loan number - To whom it may concern : Last week I received a notice from TD Bank stating that my loan payments are past due. I have spoken by telephone with TD Bank representatives numerous times in the past year to dispute late-payment fees and repeated claims that I am behind on payments, and we have gone over my loan-payment history, which shows that the total amount I have paid since I took out the loan is sufficient to cover every month through the end of -, and yet I am still being harassed by such claims and fees. Upon reading the latest notice, I called TD Bank yet again, and was told this time that TD Bank has received no payments from me since - -. I acknowledge that I did not make a payment for - - the reason being that I have been in full-time job-training


In view of the fact that for the first 48 months of my loan I made payments in full or above and on time, even for eight months after losing my full-time job in - -, I believe I deserve some accommodation now that my only income is unemployment compensation that barely covers groceries and auto insurance premiums. I have asked that payments I made in excess of the monthly amount due between - - and - -, which add up to $410.00 over the total due, be applied to - -, which is the fair way to count how much of my loan I have repaid to date, but my requests have been ignored. As of today i called and I was told that I have not pay -/-/-. according to my record I made - payment on - and check number - was cash on same day. every day I do call TD bank is always same story. I have been told to go to - at my local TD Bank branch in -, New Jersey, sit with authorized person to review my account with me but was not success, so I would like someone who is authorized to meet with me in person and go over all of these issues. I also notice that the report that TD bank submitted to - and - are untruth. On -/-/-, - history report in outstanding balance of $5300.00. According to my record balance is $4400.00, without -/-/- payment once I pay - my balance will be $4000.00. Please update my account records.I sent this copy to TD bank they still want to claim what they want and I 'm paying my bills I do not know what they want. they keep on sending me all these letters. Please someone read what I wrote to them and explain what I 'm saying. Sincerely, - - -