Consumer complaint received 2017-11-13
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX at XXXX XXXX  I was checking out at the XXXX, XXXX, XXXX XXXX store and I got " slammed '' by the cashier said, " Do you have a XXXX discount card? '' I said, " What? '' She said, " Do you have a discount card? '' I said, " No. '' She continued, " Would you like a discount card? '' I asked her what did she mean, and she said I could get a discount card that I could use " today. '' I was n't sure what she was talking about so I asked her to be more specific. The cashier said that I could simply " fill out a form and get a " discount '' card to use at XXXX. '' to clarify, I replied, " you mean like a XXXX or XXXX club card? '' and she answered " Yes. And you get free shipping on the XXXX online orders. '' I shopped fairly regularly at XXXX and I really did n't want to waste a lot of time, but she popped up the checkout computer window and said, " just fill in your name and address. '' It did n't sound unreasonable until it asked for my annual income. I said to the cashier, " Why is this asking for annual income? '' The cashier ignored me and continued ringing up my order. I knew she heard me and I asked again ( there was a line of people behind me and I did n't want to be rude ). I then said, " Hey, I do n't want this. '' And the cashier continued to ignore me. 

At that point I could n't cancel out or move back or forward of the software program, so I put 2 numbers ( 42 ) in the box and hit next, it asked for my social security number and by that time I was getting really upset. The cashier continued to ignore me until I raised my voice and said, " I do NOT want this '' and she finally came to the end of the counter and said, " you 'll have to enter your information in order to end the program. '' I entered my social security number under duress in order to end the process, and used my own credit card to pay for the items. 

The cashier handed me my receipts and said, " you 'll be getting a letter about your " discount card '' in about 10 days. '' And handed me a booklet called " REDcard Agreement Information and Program Rules. I opened it up and saw this was a CREDIT CARD! 

At that point I went to find a supervisor. I told the supervisor what had happened and she said it was a CREDIT CARD application. I would NEVER have applied for a XXXX  credit card if the cashier had been honest. This was not a " DISCOUNT CARD '' - this was a slam for a credit card. 

I told the supervisor the same thing and she said, " I 'll make a note and we 'll talk to the cashier. '' The next day, I called XXXX  in the number in the booklet and lodged a complaint. It took me 20 minutes to get the operator to finally open a case # XXXX and that was only after I explained I was a paralegal for a litigation attorney. The operator told me to call the same number ( after he originally told me I was in the wrong department and called the wrong number ) in about a week to check on the status of the case. 

I called on XX/XX/XXXX, at XXXX XXXX HST and after waiting 30-40 mins the XXXX   operator said there was no case found. I asked to be transferred to a supervisor. The supervisor came online and " claimed '' she could not hear me - and hung up. 

On or about XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX denying my application " based on the annual income '' ( because I did not complete my income and just wanted to end the process ). 

Now, my credit had been dinged for a " slammed '' credit card that I would never have applied for in the first place had the cashier been honest in the first place. This was not a " DISCOUNT CARD ''! And XXXX should retrain their employees and CFPB should mandate that any type of credit card process be clearly stated upfront by employees and in their software system. 

I 'm a senior citizen and I work very hard to keep my credit intact. I want any negativity that this may have caused on my credit report expunged.

Company response to consumer: Closed with non-monetary relief