Consumer complaint received 2015-07-10
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card
Issue: Late fee

Complaint:
Here 's the short version ( the detailed version is in a letter I will attach ). In XX/XX/XXXX I was talked into taking out a " Redcard '' credit card at a Target store. I was told that the credit card would entitle me to a small discount on my purchases and also a free XXXX coffee that day. After filling out an application in the store that day, I was given a paper receipt good for a short time as a temporary card and told that they would mail a credit card to my home address ( which is a house my husband and I own, that I have lived at for many years ). I used the card that day to buy items. I never received the card and also never received a billing statement which I expected to appear around XX/XX/XXXX given the timing of my purchase. When I had not received the billing statement by XX/XX/XXXX I called Target. I had a very hard time making contact by phone with their card representative ( the card website and chat were down or people told me they could not help me ). When I reached a live person I discovered that I not only owed the cost of the purchases but had been hit with an additional XXXX dollar late fee for not paying the bill, which I had also never received. That day in XX/XX/XXXX, I paid the entire bill and closed the account since I had never gotten the card or the billing statement and was afraid that I might be hit with more charges. The customer service person who closed my account tried to talk me into keeping it open saying they " might '' be able to waive the XXXX dollar late fee but since it was n't a sure thing and I had no idea where my card or bills had gone I did not feel safe keeping it open. After I closed the account, I learned that the company is required by law to send you a bill within a certain time and if you do n't get it then you are within your rights to complain, so I sent them a long and detailed complaint asking that they ( a ) refund the XXXX dollar late fee, ( b ) refund any interest they charged on the purchase beyond the XXXX billing cycle ( as I normally pay off the bill when I get it and never even had a chance to do that - I could not even use the temporary piece of paper to open an online account to check balance, I never knew my card number because it never came ) and ( c ) remove any harm to my credit report from this situation. I am NOT disputing the amount for the items I bought in XX/XX/XXXX, I 'm happy to pay for those, but I 'm angry that they did not send me either the card ( which after a certain number of days, meant I could n't get the discount I was promised shopping at Target as I needed card in hand for that and they could n't just look up the number ) or a bill until interest AND a late fee had already racked up. I received a response from Target to my complaint basically blowing me off and saying " we sent it to your address on record so we 're not waiving anything ''. So in a nutshell, I never got the discount I was promised, never got my card, and was charged a late fee and interest on top of my purchase price because their card and bills never reached me. I have no idea why it would not have reached me, except that there are XXXX streets with same name as mine ( XXXX XXXX. ) in XXXX area and occasionally our mail has been misdirected to XXXX of the other streets or we have gotten mail for XXXX of the other residents. I really feel ripped off because other than a free XXXX coffee I got NO benefit from this Target card and it seems like it was just a scheme to never send me the card for the discount and then rip me off. I hope you can help me. I am going to attach the letter I wrote Target about the situation. Although this is n't directly related to the complaint, I 'm especially upset because in XX/XX/XXXX and XX/XX/XXXX my mother has been seriously ill and nearly died in XX/XX/XXXX and I do n't appreciate having to hassle with a credit card company over something as simple as this right now.

Company response to consumer: Closed with monetary relief