Consumer complaint received 2015-04-12
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (PA)

My XXXX issue with Target started on XXXX/XXXX/XX/XX/2015. My payment due date is the XXXX of every month. My payment was made on the XXXX, but was n't posted until the XXXX. The same is shown on my payment history. In early XXXX I got a call from a rep saying that I was 2 months late on my payment. When I asked why, they told me that I made my XXXX payment late and I did n't pay the late fee for XXXX. I told them that I made the payment on the due date. They said that it did n't matter, the payment was posted on the XXXX and that 's the date they go by. They said I had to pay the {$35.00} late fee, but it would be credited to my account. I told them that I 'm on a very tight budget, and would n't be able to pay an extra {$35.00} on a bill that should be {$25.00}. The rep told me that she ca n't change the bill, and that I would have to pay the fee but the payment would come off the principle. I told her again that I could n't afford that payment, and would n't be punished for something that I did n't do. She said that it could n't be changed. I asked to talk to her supervisor. She put me on hold for a while, came back on the line, told me that they ca n't change it and could n't continue with the call, then hung up on me. A few of days later, I called customer service again. I spoke with several different reps and went over the same issues again. Each time, I was hung up on. I received a call from a customer service agent on XXXX that I was not able to answer. I called them back and spoke to a rep named XXXX. It was approximately XXXX XXXX when I called. XXXX told me that I was now 3 months behind in my payment. After informing her that I wo n't pay late fees when I was n't late, I was told they would credit the late fees, but now my payment was up to {$90.00} for XXXX. I told her that was n't going to happen. She then told me that since I paid after XXXX XXXX, that 's why the payment was posted the next day. She also said that if I had called in after I made the payment, they would have adjusted the payment and it would n't have been late. I told her that I could not afford the {$90.00}. She told me that I could split up the payment, {$45.00} now and {$45.00} by the XXXX of the month. I told her that I would n't do that and I would pay the {$25.00} on the XXXX. She said that she would make note of my refusal to pay. I told her that this is untrue, I want my account credited properly and there should be no late fees at all. I asked to speak to her supervisor. She told me that I have already spoken to a supervisor, and it would n't go any further than her. She told me that if I did n't pay it, they would turn me in to the Credit Bureau. I was once again told that the call had gone on long enough and was hung up on. Later that night, I showed my wife the payment history and noticed that there were XXXX payments made on XXXX/XXXX/XX/XX/XXXX. The XXXX payment was {$470.00}, which was the entire balance on the credit card. The XXXX payment was sent for {$90.00} on XXXX/XXXX/XX/XX/XXXX and was canceled. I immediately called customer service to dispute this payment. I spoke to XXXX different reps because I was hung up on the XXXX time. The XXXX rep was XXXX. She told me that they would file a dispute form and it would take 3-5 days to process. I asked what time the payment was made. XXXX told me that the payment was made at XXXX. My phone records will reflect that I was on the phone with the rep named XXXX at that time. She told me that they would look back at the records and decide if they would reverse the payment and see if the stop payment was warranted. I told her that the payment was n't authorized. I was told that if the stop payment went through, Target would also charge me for a bounced payment. I called my bank XXXX thing in the morning and had them stop payment on the {$470.00}. I am now being charged {$15.00} for the stop payment.