Consumer complaint received 2018-07-11
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Contact XXXX to close my account to further purchases. XXXX   customer service rep informed me that closing the account would not relieve my responsibility to continue making the monthly payments which I agreed to continue making until the card was paid off. At this point, the debt owed was under {$150.00} and the XXXX representative informed me that by closing the account no more fees would be added to the account if I agreed to pay {$25.00} a month until paid off. XX/XX/XXXX Missed my monthly payment by 8 hours resulting in a {$35.00} late fee. Subsequently, contacted XXXX customer service and was instructed that they would waive the late fee and that it would be reflected in my next billing cycle in XX/XX/XXXX. XX/XX/XXXX Made my normal monthly payment on time. Received notice in my monthly billing statement that not only had the previous late fee not been removed but an additional {$35.00} fee was added to my account. Contacted XXXX to inquire. It was explained to me by customer service that both fees would be removed. Was instructed to make an additional payment to prevent further fees accumulating which I agreed to an made at the time. XX/XX/XXXX Made my normal monthly payment on time. Again received notice in my monthly billing statement that not only had the previous late fees not been removed but an additional {$35.00} fee was added to my account. at this point, there were 3 late fees added to my account and again I contacted XXXX to inquire. It was explained to me by customer service that if I made an increased payment the fees would be waived and that it was just a system generated issue and by making an additional payment it would be resolved on my next billing cycle. By this point, my base debt amount including interest was {$69.00}. Was instructed to make an additional payment to prevent further fees accumulating which I agreed to an made at the time. XX/XX/XXXX Once again made my normal monthly payment on time. Again received notice in my monthly billing statement that not only had the previous late fees not been removed but an additional {$35.00} fee was added to my account. At this point, there were 4 late fees added to my account and I again contacted XXXX to inquire. It was explained to me once again by customer service that if I made an increased payment the fees would be waived and it would be resolved on my next billing cycle. Now at this point, my base debt amount including interest was only {$40.00}. Was instructed to make an additional payment to prevent further fees accumulating which I agreed to an made at the time. XX/XX/XXXX Made one final payment of {$40.00} on time to pay off and close the account. Once again I received notice in my monthly billing statement that none of the previous late fees been removed for a total of 4 late fees amounting to {$140.00} in just fees that should have been removed at the initial request back in XXXX. To this date XX/XX/XXXX, XXXX has refused to work with me and has negatively impacted my credit report by continued to charge late fees on top of late fees even though the base amount owed has been paid in full. I have made repeated calls to XXXX and their debt collection arm only to be instructed that someone would call me back to resolve the matter which to this date has not occurred. I hereby state the fact disclosed in this document are true an to the best of my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation