Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

I am considering seeking legal help to contact the CEO of Target. I am hoping CFPB could be of some help in resolving my very poor service with Target. 

I still call quite often to check my credit bill and as always make a phone payment because up to XX/XX/XXXX i've always been on time and below my limit. I have not been able to use automated phone payments since the incident of someone creating an online account using my information. So XX/XX/XXXX i called to make a payment. I watched and waited but it did not clear. I don't even know if what i should pay is realistic since i don't see Target on my credit report i thought the account was still under investigation. And i get bills showing overlimit balances. 

The fraudulent charges and payments were apparently reversed. But during that course i've been without means to view or check my account unless i see something in the mail and call. My credit report had an overlimit balance which was not my responsibility bevause of fraud charges. And i am being charged for late fees and interests on a balance that is not correct. 

I made a {$190.00} payment on XX/XX/XXXX which would have brought my account to {$4700.00} That is the last corrected bill i should see. 
Because of investigations and having my account on hold and waiting i did not make another payment until XXXX of {$57.00} after receving a letter. I sent with bills and letters asking for adjusted statement and a proper bill. 

Recently per a XX/XX/XXXX bill i called to make a payment though i know it is incorrect. I paid via phone with a rep on XX/XX/XXXX {$160.00}. By Friday after making sure funds were available all week i called to ask why it was not deducted from my checking and was told i did not have funds and to call my bank. My bank did not see anything from Target. 
I called and found out the rep took my information incorrectly though i know i said the correct account number and it's the same account i've used since paying allll my bills. Then i was told my payment was now over {$400.00}! I could only pay some. I'm being financially abused and i need resolve. 

I'm just trying to keep composure and good credit. I am a single parent and my mother who helps is out of the country to see her sister with progressed XXXX. I take care of XXXX XXXX  and my daughter. I am head of household. I have always been in good standing but i can not keep paying on charges now {$800.00} over my last justified balance. I don't use it since XXXX and i asked for the account to close. 
One representative said it was not closed and another said it was. I was told it was me who made charges and paid my account in full in writing. Not true. I am being treated with utmost disregard and left with this huge horrendous overlimit account with payments i can not afford. 
Please help me get them to write off some of this account as i can only afford a portion. {$2500.00} i could pay in parts. My quality of life has declined and stress this brings is affecting my family and my daughter. I can not afford this with no help. 
Please help. I will attach everything