Consumer complaint received 2015-12-17
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card
Issue: Other fee

Complaint:
To Whom It May Concern, I, XXXX XXXX, recently reached out to customer service at Target Redcard regarding the above mentioned credit account. A brief summary of the past year for me includes a XXXX where I had XXXX and a XXXX put in my XXXX, as well as XXXX XXXX on my XXXX with the most recent XXXX on XX/XX/XXXX. I am still recovering from the last XXXX, all of which I was injured on my job as a XXXX. The reason I disclosed this information is not for sympathy, but so that you would know why this issue was able to persist and continue for as long as it did, as well as in hopes that you will understand my state of mind and why I feel the way I do. 

When you give a company your personal information and get a credit line extended you instill a sense of trust with that company. RedCard has not only took advantage of that trust but as a person they have made me feel worthless and betrayed. My fianc, XXXX XXXX, and I have a {$500.00} credit line. This year we have made numerous payments throughout the year before the due date and sometimes multiple payments before the due date. The attached documents show that a total of {$520.00} has been paid towards the balance of the card, which only has a {$500.00} limit?! That balance includes {$190.00} for the above mentioned and below mentioned practices of deception and theft. Come to find out RedCard did not count this as a payment towards the bill because it was paid a couple days early. When you make a payment online, depending on your financial institution and the company you are paying sometimes it can take a few days to actually post, or come out of your account. So instead of saying ok the bill was paid RedCard said that was a payment for the previous billing cycle, thus saying no payment was made for that month/billing cycle. In one month I paid well over {$100.00}, again because I paid it a few days early. But RedCard did not count it as a payment for my bill that was due and charged late fees and other penalties. I spoke with customer service who added insult to injury by stating that they will waive late fees two ( 2 ) times a year but they would not do it for us, or could not because the " system '' would n't allow it. I was told a case was opened and the situation was " elevated. '' The rep stated that a supervisor would be in contact with me shortly and the matter would be resolved. Again, this did not happen. Instead they just sent me another bill, with more penalties and fees after the rep told me and agreed to wait to make a payment until I talked to a supervisor and a resolution was found to the above issue. I have been charges in excess of {$190.00} in fees alone for making my payments, making extra payments, paying more than what was due/minimum payment, and for trying to be a responsible credit card user. RedCard has betrayed my trust, lied to me, and basically stolen my money by charging hidden fees for trying to do the right thing. On top of that, they refuse to respond to my inquires or follow up with me like they said they would. Attached are copies of the statement, which shows all my payments and the " fees '' total that I have been charged, and continue to be charged. 

As I stated to the representative none of my other credit cards operate or function in this manner. Such as XXXX XXXX. If my payment is made the day before, 24 to 48 hours before the " due by date '' or clears the day before the due date, they do n't try to claim it was applied to the previous billing cycle. Thus RedCard expects you to pay and the payment to clear by the " due by date, '' if it clears before it is counted towards the previous billing cycle and if it clears the day after the " due by date '' you get charged late fees and such.

Company response to consumer: Closed with non-monetary relief