Consumer complaint received 2016-08-28
Product: Credit card — 
Issue: Transaction issue — 
Company: TD BANK US HOLDING COMPANY (TX)

I got a target credit card approval while checking out of a Target store XX/XX/2015. My first bill was {$110.00} which I used the phone payment plan to pay in full on XXXX XXXX, 2015. I did not hear a thing until the next month when they sent me a bill with an additional fee attached. I called and spoke directly with a person calling herself XXXX who told me that the bank refused the payment due to incorrect account number being submitted by the company. It appeared they left out a single zero. I corrected the checking account number error with XXXX who repeated it back to me correctly. I authorized the payment again over the phone. I checked my back account and sure enough the amount I just authorized to be paid to Target was pending on my account. 

Figuring a mistake is a mistake I charged another {$100.00} on the target card. This time I paid on-line, and my payment appeared to be accepted. However the next month I was changed a late fee again and again my payment had been decline due to inaccurate bank account submission. I typed the account number in myself and it was correct. 

I have been charged well over the total amount of my charges for late fees all of which various representatives claimed to have removed. I called and spent a great deal of time of the phone with yet another representative I had and still have names of employees, their ID numbers, dates and even payment confirmation numbers. I walked painfully through my practices which included submitting paper checks after payments by phone, I even have letters from my financial institution verifying each time a payment was declined the amount was in my account however was not released because TARGET submitted the wrong number. 

Please realize that I have a debit card with target that is directly connected to this same account. I had made payments by paper check that indeed when through, I had corrected my account information with XXXX employees. I walked through the math with the last person I spoke to according to both our math I should have had a credit. 

While speaking with the last Target employee I asked my credit card account be closed I have submitted the same request in writing. 

The last employee I was on the phone XX/XX/XXXX my dispute would have to be reviewed by the accounting department. This accounting department was supposed to contact me by phone with in three business days but I work during business hours and requested a message to be left or an e-mail to be sent instead. I was assured I would receive both yet I have received neither. 

I have yet another bill with another balance made up not of fees and charges for non-payment. I am not about to make another payment to this account that should have been closed months ago as it seems the more I pay the more I owe. This crooked company is effecting my credit score which would be good if not for my dealing with Target Red cards unsavory business practices I can not believe any company in business can be this incompetent. I surmise they purposefully submit incorrect bank account numbers to financial institutions for the purpose of holding credit accounts open and charging various fees and interest. Had they gotten my account number correct I would have paid the entire balance of my first change of {$110.00} immediately in XX/XX/XXXX. My XXXX change of {$100.00} would have been paid in full after two billing cycles therefore minimizing the amount of money they would have made on my account. 

Incorrect bank account number submission for payment after multiple corrections over the phone, via the internet, use of paper checks and I even have a Target debit card which takes money out of my bank account just fine is a highly unlikely coincidence and a more than likely shady business practice which should be illegal. I should not be charged for their mistakes.