Consumer complaint received 2023-10-21
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have had a store credit card with Target since XXXX. Almost XXXX weeks ago, I attempted to use my credit card in the app to make a purchase on XX/XX/XXXX ( sometime between my screenshot at XXXX XXXX and XXXX XXXX is when I finally submitted with a different credit card for my order ) and it said it was denied and to contact my credit company. To be clear, I pay the card off every month and it was not behind nor was I over my limit. I went online and it said my account was fine. I checked the app for my purchase, my physical credit card and the website and all showed the correct credit card. Nothing was indicated as an issue online. My card doesn't expire until XXXX so that couldn't be the issue either. 

I called Target credit the next day and they " congratulated '' me that my account was closed and they chose to open a regular mastercard credit card for me without my consent. I do not need another regular credit card, I have XXXX great cards already and I only have the target store card to save 5 % on my target purchases. I told the gentleman that I did not want a credit card and that I was never asked if that was okay, I was never informed that this was happening and even their own credit website never gave me the information. I even checked my statement, there was NOTHING. He told me I should have received a letter and also a new credit card. I received neither. It is not okay to open up an entirely new credit card in my name without my consent or even asking if it was okay. I told my husband and he showed me an article online that I was entitled to opt out of this. I told the gentleman on the phone that I didn't want nor ask for this card and yet I was never told I could keep my old card. 

They made the decision to close my account and not allow me to use the card that I, by rights should still be able to use. I work at a XXXX XXXX and if for some reason we have to send them a new card ( of the same type ), unless it's due to imminent fraud, the old card will still work for some time, so we don't put our members in a bind. I was told by the gentleman that they had sent me the card just a few weeks prior and didn't give me a chance to even start using the thing ( had I wanted it ). If you need to find the call, I called their credit # ( XXXX ) at XXXX XXXX and the call lasted XXXX minutes. 

My target store card is my XXXX oldest credit account. This will have a detrimental impact on my credit. Also, although it's a small amount of money, I had to pay the 5 % more on my Target purchases because I no longer had a card I could use. I use the card to buy groceries, what if I didn't have an alternative way to buy groceries? I'm blessed that I do, but what if I relied on that card for food? I would have no way to buy groceries. 

Regardless, this is a big issue. I now will have a new credit account on my credit report, which will bring down my credit score. I will no longer have an active card from XXXX and this will also have a detrimental impact on my credit. Finally, I was given ZERO options to decline this XXXX that I do not want nor did I ask for. I will only EVER use my target account at target. I use my rewards credit cards from elsewhere for all other purchases.

Company response to consumer: Closed with non-monetary relief