TD Bank Debt Collection Complaint

TD Bank Debt collection department,

Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid California

Re TARGET -. I am so grateful Senator - - established This organization and President Obama set - Director. TARGET is attempting to collect $240.00 which I do not owe. -/-/- I was hospitalized. My Son made $20.00 payment on acct for flat screen TV.


I receive demand for $25.00 late fee. This fee was set because My Son did not pay $25.00 - TARGET determined $5.00 was late, therefore, I owed $30.00. I called TARGET, placed messages for CEO. Contacted Billing, speaking to someone in another country advising the fee is legitimate. Having paid acct in full mattered not. Calls, connections, TARGET reps calling to say the problem was handled. And ... There is Collection Agency threatening lawsuit, threatening to RUIN my Excellent credit which I have worked determinedly to preserve. I am senior, can not afford RUINED CREDIT resulting from TARGET - determination to collect $240.00 because My son, trying to help, made $20.00 payment instead of $25.00. Paying full balance as soon as I was released from Hospital, having Always paid more than $25.00 month meant nothing to TARGET. My TV was purchased -/-/-. Paid in full -/-/-. TARGET received payments $40.00, $50.00 and more. I was excellent TARGET customer. And now MY GOOD CREDIT is being ruined all because of $5.00. HELP, Please. Do not allow TARGET to ruin My credit nor -, -, Florida to bring lawsuit for an charge I DO NOT OWE. Thank You. Currently I am almost homeless due to Toxic mold in My Apt - I can not live in Toxic Apt - I am sleeping on Friend, Family sofas. Mail goes to RA. My Son collects when He has time. This time in My Life is nothing I would have ever expected as respectable & responsible Senior. I can not afford for My Good Credit to be ruined especially if I must, regretfully, from place I 've resided nearing to - years. My Good Credit permitted TARGET to open Acct immediately for an almost Five hundred dollar flat screen television. Should I have to move I will require, must have Good to Excellent Credit which TARGET has determined to destroy because of not receiving $5.00. HELP! Respectfully,