Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New Jersey ( XXXX ) XXXX XXXX XX/XX/XXXX Target Card Services XXXX XXXX XXXX XXXX, MN XXXX Re :  Account No. XXXX XXXX XXXX XXXX Dear Sir/Madam : I am writing to you in regard to the above-referenced account with Target Card Services.. This letter shall serve to put you on notice that I am disputing this debt and, further, that I am requesting that this debt be verified in accordance with the Fair Debt Collection Practices Act. I am disputing this debt because ( 1 ) I was charged a late fee on XX/XX/XXXX after paying on time ( proof from the Target website and my bank account attached ) ; ( 2 ) When I tried to pay the actual, minimum amount due on XX/XX/XXXX ( {$30.00} ), they would not accept my payment. They called it a partial payment because I was unwilling to pay the late fee acquired the month before after paying on time. They offered to waive the fee off of the balance of the card instead of eliminating it from the minimum amount due. I still paid the {$30.00} due, and acquired yet another late fee. ( 3 ) I closed the account in XX/XX/XXXX, and although I have continued to make payments without making any purchases, the account balance has continued to increase and I have received a late fee each month after paying early ( proof from my bank account attached, as well as my Target account summary ). In fact, I have not made a purchase on this card since XX/XX/XXXX ; ( 4 ) Furthermore, the payments that I am making are being applied to neither the balance nor the payment amount due. I have made numerous efforts to speak with a customer service representative but have not had any success in resolving the issues. I was told by several customer services representatives that regardless of when I paid, the late fee is determined by when they process the payment on their end. In addition, on XX/XX/XXXX, I requested via a recorded line ( Target reference # XXXX, XXXX ) my itemized statements, as my balance has now increased {$1100.00}, starting at {$980.00} in XX/XX/XXXX, again without any purchases being made in between, and in fact payments being made totaling {$90.00}. Their response was that the company had no way to track individual purchases or produce itemized statements for Target Card holders. They offered to send the statements that are already available to me via their website, which only show the balance and the payment amount due. They are now also asking for a minimum payment of {$200.00}. Therefore, I am disputing this debt. In addition to calling their customer service representatives, I attempted to send a copy of this letter to Target Card Services alone on XX/XX/XXXX ( certified mail receipt attached ). I received a letter back signed only with someones first name - XXXX - stating without proof, that they were denying my request, because after reviewing the debt, she decided it was valid. She also closed the dispute without my consent. None of the actual issues were addressed, and she claimed that it was all started with a late payment in XX/XX/XXXX. Again, proof from my bank account as well as the Target website are attached, proving that I paid on time. A copy of this letter from XXXX is also attached. Finally, despite my payments, they have submitted several lates to my credit report regarding this issue. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your anticipated cooperation will be appreciated. Respectfully submitted, XXXX XXXX XXXX CC : Federal Trade Commission Consumer Response Center State of New Jersey Department of Consumer Affairs