TD Bank Credit Card Complaint

TD Bank Credit card department,

Identity theft / Fraud / Embezzlement Maryland

I have a Target credit card that I got behind on this year due to a layoff. In early - 2015, I received a voicemail from their attorney - - -. I called back and spoke with a rep who advised me of a payment plan I could sign up for. It called for payments of $66.00 a month with the first payment due later that month. I advised I would like to sign up but told him I 'd have to call back because I did n't know the exact date I wanted to make the payment or which bank account I wanted to use. I did not advise of any bank account during the call or authorize any payments to be set up. He said ok and I advised I would call back. Money situation remained tight and I knew I could n't make a payment that month so I wanted to see how my situation was in a few weeks and did n't call back. I checked my - - - account yesterday and noticed a $66.00 payment had been processed and was returned by the bank because my account was already in the negative. I was


automatically taken from my account. The check image in my checking account shows a $66.00 payment drafted with Target 's name on it. I absolutely did not schedule any payment on Target 's website and with the payment being exactly $66.00 I would assume the rep from the attorney 's office told Target that I would make the payment and they decided which bank account to use. I am very upset with both companies for trying to take a payment and I do not authorize them just setting up any more on their own. I want to make some sort of payment arrangements but at this point have a hard time dealing with the attorney. Being attorneys they should know what they have done is unlawful and needs to stop. If there is some way of looking up the recording of me speaking with the rep from the attorney 's office it will prove I did not authorize any payment and was never given the option to advise exactly when I wanted to make the payment, which bank account I wanted to use and I surely was not given any sort of confirmation number. Thank you.