Consumer complaint received 2015-09-13
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
For several weeks, I tried calling TARGET 'S number listed on the credit card bill to talk to someone but kept getting disconnected. How is a consumer supposed to communicate with their credit card company if the number is not valid? I got through once, was transferred and spoke to a person named XXXX about not receiving my credit card that i signed up for, and that bills went to my OLD address. I told XXXX that I wanted help with some of the fees as i have not even received my credit card and i accrued a couple of months worth of late fees. XXXX told me her supervisor would call me within 24 hours but she never did. Meanwhile, while i was waiting to hear from Target 's management, I made a payment of {$40.00} ( the total bill was {$100.00} ) to avoid another month 's late fee but the company added another month 's worth of late fees, while I was waiting to hear from the supervisor. I kept trying to call the number on the credit card bill to talk to someone but could n't get through, again. So i decided to write a certified letter addressed to the CEO but never heard from anyone after a month! I found another number for Target after doing a google search, called that number, spoke to an XXXX XXXX, explained the situation, but no help whatsoever. I told XXXX, i want to speak to a manager. He said, " I made a case study for you and a manager will contact you in 24 hours, '' but AGAIN NOONE CONTACTED ME. It 's been around 4 months now, I still have n't received my credit card, accrued 3 month 's worth of late fees and charges, and no manager has contacted me when on XXXX occasions, i was promised that a supervisor would call me. What kind of customer service is this?! In summary my complaint is as follows:1. Lines of communication between Target and consumer is unacceptable. The XXXX XXXX number on their credit card bills DISCONNECT you when you press " XXXX '' to speak to a representative. 
A. On XXXX occasions I was promised that a " supervisor '' would call me within 24 hours to discuss my predicament but never heard from a supervisor, empty promises and lies. 
B. I sent a certified mail to the CEO but never heard from anyone at corporate office. 
2. Never received my credit card in 5 months since i signed up to open the account. 
A. After speaking to XXXX who said i should have the credit card renumbered ( in case it 's stolen ), she transferred me to a different department, but while waiting on hold, I was disconnected, again! 
XXXX. A bill was {$100.00} so i made a {$40.00} payment to avoid other late charges/fees, but they still added another {$35.00} late fee, WHILE I WAS WAITING FOR A PHONE CALL FROM A MANAGER TO DISCUSS MY CASE. 

All in all, I feel NEGLECTED by Target 's management team. I tried to resolve my {$90.00} worth of late charges/fees with the corporation by sending a CERTIFIED MAIL and waiting for a supervisor to call me back but noone from management has tried to contact me. This is unacceptable and I want people to know about their terrible business practices. And i want the {$90.00} worth of fees removed, along with some penalty for the company. I will never shop at Target again.

Company response to consumer: Closed with monetary relief