TD Bank Credit Card Complaint

TD Bank Credit card department,

Late fee Missouri

TDBank who is now the creditor for - -. We purchased furniture Back in -/-/- and in -/-/- they stated that we purchased more, which we never did. I contacted them to find out why all of us sudden our new monthly payment went up, my wife and i were astonished when they told us that this rat change had been done since -/-/-. Keep in mind that we were setup for electronic statements and searching the emails, no statements and been sent to us in any folder in the email account. We spent over 2 hours on the phones with representatives yesterday, including supervisors who could not find anything wrong with their system, but could n't track any outbound email either. I think that it banks should be notifying consumers at any time that their rates change. Whether that is a phone call, paper statement or e-statement. This was not done and i found the customer service '' to be less than satisfactory. We no have to dispute - more late charges but since no statements have ever been made, why did it take 3 months for this bank to let us know that the late fee 's had accrued.