TD Bank Credit Card Complaint

TD Bank Credit card department,

Pennsylvania

My - issue with Target started on -/-/-/-/2015. My payment due date is the - of every month. My payment was made on the -, but was n't posted until the -. The same is shown on my payment history. In early - I got a call from a rep saying that I was 2 months late on my payment. When I asked why, they told me that I made my - payment late and I did n't pay the late fee for -. I told them that I made the payment on the due date. They said that it did n't matter, the payment was posted on the - and that 's the date they go by. They said I had to pay the $35.00 late fee, but it would be credited to my account. I told them that I 'm on a very tight budget, and would n't be able to pay an extra $35.00 on a bill that should be $25.00. The rep told me that she ca n't change the bill, and that I would have to pay the fee but the payment would come off the principle. I told her again that I could n't


it and could n't continue with the call, then hung up on me. A few of days later, I called customer service again. I spoke with several different reps and went over the same issues again. Each time, I was hung up on. I received a call from a customer service agent on - that I was not able to answer. I called them back and spoke to a rep named -. It was approximately - - when I called. - told me that I was now 3 months behind in my payment. After informing her that I wo n't pay late fees when I was n't late, I was told they would credit the late fees, but now my payment was up to $90.00 for -. I told her that was n't going to happen. She then told me that since I paid after - -, that 's why the payment was posted the next day. She also said that if I had called in after I made the payment, they would have adjusted the payment and it would n't have been late. I told her that I could not afford the $90.00. She told me that I could split up the payment, $45.00 now and $45.00 by the - of the month. I told her that I would n't do that and I would pay the $25.00 on the -. She said that she would make note of my refusal to pay. I told her that this is untrue, I want my account credited properly and there should be no late fees at all. I asked to speak to her supervisor. She told me that I have already spoken to a supervisor, and it would n't go any further than her. She told me that if I did n't pay it, they would turn me in to the Credit Bureau. I was once again told that the call had gone on long enough and was hung up on. Later that night, I showed my wife the payment history and noticed that there were - payments made on -/-/-/-/-. The - payment was $470.00, which was the entire balance on the credit card. The - payment was sent for $90.00 on -/-/-/-/- and was canceled. I immediately called customer service to dispute this payment. I spoke to - different reps because I was hung up on the - time. The - rep was -. She told me that they would file a dispute form and it would take 3-5 days to process. I asked what time the payment was made. - told me that the payment was made at -. My phone records will reflect that I was on the phone with the rep named - at that time. She told me that they would look back at the records and decide if they would reverse the payment and see if the stop payment was warranted. I told her that the payment was n't authorized. I was told that if the stop payment went through, Target would also charge me for a bounced payment. I called my bank - thing in the morning and had them stop payment on the $470.00. I am now being charged $15.00 for the stop payment.