TD Bank US Holding Company Complaint

TD Bank US Holding Company Credit card department,

I had previously written to the CFPB about Target with case # -. At that time, I was issued late fees to my Target Red Card account despite payments. On - -, 2015, I made a payment to my Red Card account. Despite my payment, in -, I was issued a late fee on -/-/2015. Then, I made another payment on -/-/2015 ; I was again issued an even greater late fee on -/-/2015. I made payments in both - and - 2015, but I was issued late fees in - and - 2015. would like these reversed immediately, including any interest charged in the months since on these disputed fees. The latest frustration is a further continuance of Target 's inability to work with customers who are making good faith efforts to pay their accounts off. The statements are not written until the - or - of each month. I have paper statements, which means I do n't received them

-. Target does not offer a grace period, but assessed a late fee, despite the fact I had made a good faith effort to pay, I had paid the previous month on the -, and the prior month I had paid four times the minimum payment due. I got assessed a late fee on both my - and - statements. I guess my problem with this is that I am being billed $70.00 in late fees over two months despite the fact a payment was made. That $70.00 is the same fee as if I did n't send in any payment at all. I have been double-billed late fees. I have been trying to pay down this account ( it is leess than $100.00 due on the account ) but the problem is that Target 's late fees are so expensive, I have n't been able to simply pay off the principal balance because of these out of proportion late fees that Target simply wo n't budge on. It is why I have left Target as a consumer for good.