TD Bank Credit Card Complaint

TD Bank Credit card department,

Late fee Minnesota

I signed up for eBilling and and set up automatic bill pay on my Target REDcard -/-/-. My monthly bill was due on the - of the month and I set the electronic payment to be sent one day before the due date. Beginning -/-/- every month my bank sent electronic payment the day before the due date, Target received the money and waited 4 days to post it to my account and subsequently charged late fees that escalated from $25.00 up to $35.00. For approximately 21 months consecutive months, I was charged a late fee and interest despite making payment in full. After I finally noticed the charges, I attempted to work with Target REDcard. They offered to credit - fees, but when I said that would n't be sufficient and asked to close my account, they first would not do it and then just hung up. Eventually, I was able to cancel the account. I then talked to my bank and they pulled records indicating the payments were made in a timely manner and attempted to resolve the issue with Target. My bank called Target REDcard and asked If we provide proof that the payments were made in a timely manner, will you reverse the late charges? '' The REDcard rep seemed confused by the idea and my bank 's representative asked where she could send information proving the payments were made on time. After being put on hold several times, the REDcard rep just disconnected the call. I acknowledge that I should have verified that Target was attempting to steal money from me much earlier in the process and quickly discontinued doing any business with them, but my incorrect assumption that they were acting in good faith does not give them permission to scam me out of $700.00