TD Bank US Holding Company Credit Card Complaint

TD Bank US Holding Company Credit card department,

Billing statement Montana

We ( - and - - have a Target Red Card, which we pay off each month, usually paid via auto-pay. Our -/-/- statement ( attached ), disclosed a $540.00 auto pay due -/-/-. On -/-/-, - made a return of $42.00, reducing the balance to $500.00. I did not trust the auto pay function to only deduct $500.00 ( I 've had trouble with it before when returns have been made ), so I logged in -, set up a one-time payment of $500.00 to occur -/-/-, and turned off auto pay ( so I thought ). On -/-/-, the one-time payment of $500.00 deducted ( as authorized ), but an auto-payment of $240.00 ALSO was deducted! This amount was for ALL charges NOT YET BILLED on the statement that did n't drop until -/-/- ( also attached ). In short, Target auto deducted charges which had not yet been billed, thereby denying us a minimum 21 day grace period before the due date. This auto deduction was entirely a surprise, and caused a real pinch in our finances. Thankfully, we had funds to cover it, otherwise an overdraft would have occurred.


in violation of the CCARD Act of -/-/-, the the Federal TILA, as well as being an unfair practice under UDAAP. Even if I erred in turning off the auto payment properly, there is no way it should have deducted charges that had not been billed ( and in fact, had just posted that very same day -/-/- )! Target 's auto pay function caused us harm we could not avoid, and I imagine the same thing has occurred to other consumers too.