I bought a phone from Samsung directly instead of my carrier. I financed it, which meant financing was through TD bank. I sent my old phone back to Samsung, and they said it wasn't in the condition we agreed on, so they told me they weren't going to pay me as much as we agreed on. The amount they offered was ludicrious, so I asked for it back so I could sell it outright. They declined and changed my monthly payment due to not as much credit on the account. By the time we got all that done, I had already set up my monthly payments. Now my monthly payments weren't enough, so they started charging me late fees more than my payments even though I was sending them a payment each month. I tried disputing the charges and they only would take off 1 late fee. It has been a nightmare working with them and TD bank and I'll never do it again. I finally just paid the phone off so I could be done with them.