TD Bank US Holding Company Credit Card Complaint

TD Bank US Holding Company Credit card department,

Payoff process Oklahoma

After missing a couple of payments in -/-/-, on - -, - Target Cards called me to set up a payment plan for my unpaid balance. The initial agreement was made for about 12 months @ $ -/month set up for automatic bill pay from my checking account. On - -, - Target Cards then sent me a form and phoned me and arrangements were for them to continue to debit my account in a new amount of $ -/month, I also agreed to this on a 4 year term, through payoff of the credit card. I was called again by Target Cards on - -, - at which time they wanted to set up an agreement through - - in the amount of $ -/month. I was confused by their phone call because we had made a 4 year agreement 3 months previously but trusted they knew what they were talking about. While on an extended trip away from my home dated - -, -, Target Corporate Services sent a letter stating there were revised terms as of -/-/-, " The current monthly payment $33.00 will remain in effect indefinitely, and will not expire. '' Please keep in mind,


collection agency, -. An agreement of $ -/month for 2 years was then made with -, I once again agreed to have the money automatically drafted, supplying my account information, yet again. I received my last statement from - - -, - stating they had taken their payment from my account, however, their statements show no balance. Communication ceased until I received a letter from - - on - -, -, apparently another collection agency seeking $280.00 due by - -, -. I have not responded to their attempts to communicate and feel I have given due diligence in my many attempts to pay off this debt. Throughout the - agreements made my bank account information never changed, I never refused payment, and payments were never returned due to insufficient funds. I believe I have communicated and positively agreed each of the five times Target and CBE sought to collect money from me. My credit has now been impacted negatively by their inability to offer competent payment agreements and I am not willing to make yet another agreement, number six. Furthermore, because these arrangements were terminated prematurely, I have suffered monetary loss by the compounded interest rates.