Consumer complaint received 2022-04-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Lets be clear that I've NEVER been late to submit ANY payments to this company, Now comes this month they stated that my payment did NOT go through and there for I was under collection etc... 

I called and they did NOT provide me with any explanation as to why my payment didnt go through instead of trying to figure why it didn't go through or what the problem was, all they did was rush me to make a payment. I'm certain they sent me to there collection department. 

I was so upset, because i've been utterly careful to pay EVERYTHING on time and if you check my credit report you can see that I have paid everything on time.. so after figuring out that my monthly payment hadn ; t gone thru I had to call for answers, but I also took action and setup a payment, I made a payment from my XXXX to make FULL payment of the entire account over {$1200.00} .. the target card collections department phone operator which was the one I was talking to, rush me to instead of making the payment I had setup with the website to make a phone payment with her, I told her that I didn't want any bad reporting on my account to the credit bureaus since I didn't do anything wrong, and they didn't even provide me with a reason as to why my payment didn't go trough. The lady on the phone, Target Card Collections person assured me everything was fine so long I made my payment with her, so she cancelled my payment I had made on the website and took my information and ran it i guess to assure I had enough funds in my checking account which I do, during all this time and as of now I have over {$29000.00} on my checking account. Now, she gave me my confirmation number : ( XXXX )... I've been waiting for my account to drop to zero which it had the day after payment, but my credit avail was XXXX out of {$1300.00} my credit line. I log in today at 3 am XX/XX/22 and I see that it says that my account is PAST DUE, I have return payment OF {$29.00} i dont even know if this is from the payment the lady took over phone or the previous one I dont know.. But the point is that I dont know what the Target collection lady did on the phone, she cancelled my payment took a new payment and now im back to this again, I care too much about my credit. I was willing to pay me entire balance.. and they continue to have issues with my account. I want them to fix there issues and to assure me that my account will not be " LATE '' or have in any way and negative issues reported as I've done NOTHING wrong. I have double checked and tripled checked account numbers routing numbers balances on my checking and I called XXXX XXXX to see if they had declined something and they didnt. 

what is going on here?? why can't I pay my bill, why if I've never had any issues paying my account, now all of sudden you have issues with me paying minimum payment or the entire payment. This is NOT acceptable, they do NOT want us to pay at the store nothing works here? what can i do, they " Target Card Services '' has not been able to help me or fix any of my issues. I'm no deadbeat, I want to pay them in full, I dont want any negative reporting of my account. more so since I have done NOTHING wrong. You can even see that I made a payment on my account snapshot, it shows it posted you guys have either computer issues on your payment system or your collections operator made mistakes when dealing with my account.

Company response to consumer: Closed with explanation