TD Bank US Holding Company Credit Card Complaint

TD Bank US Holding Company Credit card department,

Late fee Virginia

Hello, After receiving a credit I requested, I am being told I must still pay the disputed amount to keep my account in good standing. Even though by doing so, I will incur a credit balance. To ultimately get my refund, I must call Target after I 've paid and they 've issued the refund to again request a refund to be issued by a paper check? BACKGROUND : first you need to know I rarely use my Target credit card. However, after receiving a letter that my card would be deactivated if I did n't charge something before a certain date, I made a point to stop at target and buy something because I thought it useful to keep my card active. However, I have moved and since I rarely use the card, the bill was delivered to my previous address. When I actually got the bill it was - -, the day before the due date of - -. After working with Target.com for over an hour on - -, I finally was in a position to pay my bill online, the only means available to me to make the payment on or before the due date, since


realized I did not receive a confirmation of my payment. I checked my bank account and there was no evidence the payment had been made. I logged in to target.com and my payment was NOT noted. So ... .I paid my bill but unfortunately for me it was after - on - -. Today, - -, I received an electronic notification of my target bill and was shocked to see $26.00 in charges. ( A $25.00 late fee plus a $1.00 minimum charge ). I promptly called Target and was told since my account was in good standing, Target would waive the $26.00 and credit my account. HOWEVER, I WAS TOLD BY THE AGENT AND BY A SUPERVISOR, -, THAT I MUST STILL PAY THE $26.00 TO KEEP MY ACCOUNT IN GOOD STANDING! I asked why since my bill is not due until - -. Why should I incur a credit balance of $26.00? Supervisor - confirmed the charge had already been waived on my account. The answer was I could call back and get a refund check sent to me. Really? It will cost Target more than $26.00 to take my call and issue a paper check. Please, can you please do something about this. I believe this is a predatory practice so Target can get the funds and reap the benefit of interest earned. If they do this with all their customers, as Supervisor - assured me, then $26.00 among even - out of - customers can add up to a tidy revenue stream. Thank you for reading this and listening to my concern.