Consumer complaint received 2017-04-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Problem : Opening a Target credit card back in  XXXX   XXXX ,  XXXX  in  XXXX   XXXX , CA to take advantage of a promotion to save 5 % on that day 's purchase. The cashier offered the 5 % savings if I applied for the card, so I did. I filled out the fast credit brochure and put my address in  XXXX   XXXX . The cashier mentioned that I would be getting my target card on the mail in a matter of weeks. So I qualified, and ended up using my own  VISA  debit card to pay for the purchase.   Now, what target did is let  XXXX  use my own  VISA  card to pay but in reality what they did is used my new target credit card to pay for the total amount of {$32.00} on that  XXXX   XXXX  (  XXXX  ) day.   I was waiting for the card for weeks but it never came. So, I decided it was best not to get involved with another card. During my monthly budget overview I must have not paid too much attention to that purchased as it was  XXXX  and a busy month. To my understanding since I paid using my own VISA card I was very unaware that Target had charged me using that card.   On  XXXX   XXXX ,  XXXX  I got a call from a collector from Target demanding that I pay an amount. This was a total surprised to me and I had no idea what she was asking me to pay. I ended speaking to Target 's complaint department, customer service and the dispute department and filled a claim after I explained to them that I never received a bill from target for the amount I owed and to this day  XXXX  do n't even know the credit card number because I never was mailed  one. They did n't care, the collectors  only wanted me to pay after making me feel really bad and called me a liar many times. 8 days after the conversation with the Dispute department I got a later from Target telling me that I had put the incorrect address and that was it. After waiting  2 hours, 2  hours on  XXXX / XXXX / XXXX  to speak to someone in the dispute department I tried explaining my problem and that I was willing to pay the amount that was charged ( {$32.00}  )  on the card initially but that the fees now amounting {$110.00} were very unfair. When I asked what address they had on file they told me it was my old address in  XXXX , CA where I lived 5 years ago. I asked how would they have that address the lady mentioned, " we got it through public records ''. So, at that point I knew that I had not filled the incorrect address because I opened the card at the  XXXX   XXXX  Target, I live in  XXXX   XXXX , CA and to this date I would n't have remembered the apartment number where I lived 5 years ago.   This is a very illegal charge and I need to get resolution and stop the harassing calls.   I am willing to pay the amount that was charge that day on  XXXX / XXXX / XXXX  but the fees are unfair. I never got a bill from target to pay anything. I had no clue that the amount was charged on the card. They took advantage of the  XXXX  holiday to bill me without telling me and then when the fees amounted to an amount they want to collect they contacted me.

Company response to consumer: Closed with explanation