Consumer complaint received 2019-06-06
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The problem is with XXXX XXXX XXXX credit card issued by TD Bank. 
1. I never received a first bill, and had difficulty getting to the website. TD has numerous web addresses that come up compounding the problem. I had to call customer service to find out what was going on, to be told that my first payment was late. 
That was sorted out quickly when it was realized the bill had never been issued, or was sent to an old address. 
2. I began my payments on schedule from there, which was supposed to be the XXXX of each month, but turned out to be the XXXX. Several months were paid without incident. Then I was a day late in XXXX. No notices were ever received, either by post or email. 
3. On XX/XX/2019, I went online to pay as usual, having been ill for a few days, and the payment box clearly says " minimum due {$75.00} late charge. '' Assuming it was referring to the current payment, which was two days late, I paid the minimum requested. 
4. 0n XX/XX/XXXX, when I went to pay, the minimum due had changed from its normal {$48.00} to {$86.00}. I assumed another late fee was being assessed on the due date, which some companies do and then reverse, so I paid the normal {$48.00}. Again, there was no communication whatsoever in any form as to the amount being incorrect. 
5. When I went into my XXXX payment, the minimum due went up to {$120.00}. At this point it was clearly in error from my perspective. I paid the {$48.00}, and made a note to call in. Meantime I received the first and only notice in the mail that {$120.00} was past due. 
6. Upon calling, it became clear that the TD representative was not about to concede the slightest flaw with the website, in spite of it taking ten minutes, following his instructions, to even find where my payment history was, since most of his instructions failed, or he could not describe the poorly designed page so that a person could navigate. It also became clear that there was no acceptance of responsibility for the website stating a minimum payment due that was actually incorrect, and not providing a correct accounting. It also became clear that TD expects the customer to check their statements first to see if the payment page IS INCORRECT. 
7. By this point I had been told that I had only paid the one day late fee of {$75.00} on a minimum due of {$48.00}, a penalty of 162 %!! I was then hopping mad about the scam this guy was protecting, and the shouting match ended. 
8. The scam has these components : the apparent late fee for a single day is beyond any reason, where most companies have a grace period anyway. But worse than the outrageous price gouge is the manner of concealing what one ACTUALLY OWES ON THE PAYMENT PAGE. Then with each subsequent NORMAL payment, ONE  INCURS FURTHER LATE CHARGES. I can only wonder that the failure to ever send out a first bill is another part of the setup. THE XXXX 'S INITIAL STATEMENT HAD NO CONTACT INFO FOR TD! 
9. A class action lawsuit has already been filed on XX/XX/XXXX in one US court for TD Bank 's multiple overdraft fees. This is part of the same corrupt banking practice. 
10. I expect full fee reversals from TD and a return to normal billing. I will take legal action otherwise.

Company response to consumer: Closed with monetary relief