Consumer complaint received 2017-05-27
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I set-up an online payment on  XXXX / XXXX /  XXXX   using checking Routing :   XXXX    Checking  Acct # :  XXXX  in the amount of {$170.00} to post on  XXXX / XXXX /  XXXX  . This was a new checking account number as previous payments for the past   XXXX   years were withdrawn from Router :   XXXX  Checking  Acct # :  XXXX . I decided on  XXXX / XXXX /  XXXX   to cancel that payment to pay more instead. Therefore, I cancelled a payment for {$170.00} and paid {$3200.00} using the same  Checking  Acct # ending in  XXXX . In addition to this payment, I had set-up additional payments previously for {$150.00} on  XXXX  to withdraw on  XXXX , and another {$150.00} on  XXXX  to be withdrawn on  XXXX  using the same Checking Account # ending in  XXXX . Therefore, there were a total of {$3500.00} in payments that were scheduled to be withdrawn that I authorized. The payment for {$3200.00}, and another payment of {$170.00} were returned due to invalid account. In addition, I received an email notification from Target that the  XXXX  payments of {$150.00} each were cancelled.  <P/> I contacted Target on  XXXX  and advised the Representative of my error in setting up the new checking account information and that I had set-up a {$500.00} payment with the correct checking account ending in  XXXX   XXXX  although only {$280.00} was due by  XXXX  ) and once I confirm that the payment is withdrawn from my new checking account, I would make another {$1500.00} payment. The Representative advised that it was fine and he credited the {$27.00} fee, per my request.  <P/> I confirmed that the {$500.00} was withdrawn from my checking account and proceeded to make an online payment for {$1500.00} as promised. When I attempted to make the payment online on  XXXX , I received a notification that the payment method was blocked. I called Target during the morning of  XXXX  in which I informed the Representative of what occurred previously and requested that the block be removed. The Representative removed the block while I was on the phone and I made the additional {$1500.00} payment.  <P/> That afternoon on  XXXX , I received  XXXX  letters in the mail both were dated  XXXX  from Target.  XXXX  indicated that I needed to contact them because a recent online payment could not be processed. The  XXXX  letter advised that due to multiple returned payments, my target account was closed. I notified Target again on  XXXX  and informed the representative of what occurred. I even advised him that during both times I previously called, no one informed me that my card was closed and that Target continued to accept my payments. The {$500.00} payment was made by the due date. He advised that my account was permanently closed and could not be reinstated. I asked to speak with a Supervisor, who informed me that because the account was closed due to multiple returned payments and it was not Target 's mistake, they could not reinstate my card. I advised her that I never had any history of returned payments until recently. I 've had this account for approximately   XXXX   years ( my very   XXXX   credit card ), and that no one informed me about my account being closed when I previously called, nor does it indicate that online nor the automated system. Rather, I received a letter in the mail ( after paying {$2000.00} ). I asked to speak with someone higher and she advised there was no one else. I pleaded with her to please reconsider as I have never had any issues with my card in the past   XXXX   years and the initial error was on my card. However, Target failed to inform me accurately and timely when I contacted their office. In, I noticed today that Target removed my paperless option online, without informing, which I added it back after I paid today. The Representative advised that the call will be reviewed, but there was nothing else that she could do at this time. I asked to speak with the Disputes Department and she advised that the  Disputes  Representative informed her that they would not reinstate the card because it was not an error on Target. I informed the Supervisor that if she could not assist me in reinstating my card, then I would be filing a CFPB Complaint.  <P/> Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation