Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Arbitration — 
Company: TD BANK US HOLDING COMPANY (CA)

I took a store card and placed household and food debt on it expecting to pay when I got my job in a new state, never expecting to encounter age discrimination in that city/ state. ( Yes, I did submit XXXX complaints to the EEOC about these XXXX discriminating companies, and they seem to be following a recent business trend to only hire millenials vs. people in their XXXX+ years of age. I did a bit of research on the topic and found XXXX circulating some hiring practices indicating this concept. The ads from those XXXX companies, I found later indicated XXXX on the online job site, which showed me why I kept being ignored and rejected each time I applied each time they requested to hire at the store. ) So I fell a bit behind on my cards, this XXXX I am writing about =Target and another XXXX that I am actually paying monthly because I still have access to my online account. 
But the Target one has been quite difficult to pay. I used to have access to my account online but when I fell behind, it was closed to me. I no longer had access to pay this card XXXX from my home. I was forced to go to the store in person. I wrote several Emails to the CEO himself telling him that not having access to the online payment option was making it hard for me to pay my card off. ( and easier for me to get charged late fees, etc ... ) When I had access to a car, I managed to go to the store to pay. I had placed my cards in the closet because I was not using them anymore- so I had to have my card or statement with me to pay at the customer services. So I would go back home and get this information, more delays. Not having access always to a vehicle, I wrote many times indicating to the store executives that I wanted access to my online account. I found later that I could call in the payment without charge, so I did. After having had success to pay the store on the phone and at the store with the card/ statement, things got hard once more. At the store, my debit card is no longer a card that I can use, they told me, because of their " new system ''. (??? ) So now I have to go and get cash to pay. And on the phone, I have been told that their " system '' is down, when on the phone with them. : \I made sure and wrote the CEO each time I found obstacles towards making an earnest payment to my account to let him know about the issues I was having. 
These obstacles have made paying this card no short of a career- when I am trying hard to find employment. It should not be harder to pay my debt than it is to buy something at the store. 
I got fed up with the store policy when I called them to indicate that I am earnest in trying to pay my bill, but continue to find obstacles. At that last phone call, they tried to get me to settle on an amount if I could pay XXXX times what I had been paying, for me it is what I can afford given my circumstance at present. 
I told them I would try and made a payment of the amount I was accustomed in this circumstance. The next thing I knew I received a slip in the mail indicating that a collection agency was now in charge when I was making payments monthly. 
( except for those months when it was hard for me to make XXXX due to their end ) This is what I wanted to write to you about. Had my online access to my original account remained available for me to make payments then I would be paying and reducing my amount of debt as I am on my other card. : \