TD Bank Debt Collection Complaint

TD Bank Debt collection department,

Credit card Cont'd attempts collect debt not owed Debt is not mine Virginia

Following was the sequence of events that happened to me with a purchase from -/-/- Day after -, opened a Red card from Target with purchase of - dollars. Do not remember signing up for paperless statements, but I missed the - statement, their rep called me on - -, I asked for a waiver on late fee, and they agreed to it, I wanted to pay it off in full. Since I was driving when she called did not remember the original amount, I just asked for full payoff amount which was she said was - dollars, but she gave me minimum amount due. For next - months I did not get any bill in emails or hard copy. I got call from collection agency in -, that I owe - dollars. Most of which are late fee. Now when I am disputing that I asked for full payment in -, they are saying that it is only minimum payment, when I ask for voice recording, they said they can not provide. Since our agreement was only verbal, that is the only proof I have. Are there any other options for me apart from paying - dollars which I think is totally not fair. Thanks