Consumer complaint received 2016-10-24
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My fiance and I were at Target checking out and the cashier asked us if we would like to apply for the Target REDcard. We both declined, saying we did n't need a credit card. She then went on to tell us that they had rolled out a new program that was just a rewards card. I thought nothing of this since companies do things like this all of the time. It really interested my fiance and I and we decided to sign up. She told me that she would just need our driver 's licenses. I went first, and she clicked through the prompts on the card reader quite quickly, to where I could not read what it said. She then asked me to finish off the prompts once it got to a question about income. This was a red flag, so I asked her if it was a credit card that I was signing up for, just to clarify. She assured me that it was not a credit card, that the income question was just to determine what kind of coupons I would receive. That sounded pretty odd, but I shook it off and continued on. Then, the prompt asked for my social security, to which I was really confused. I once again asked her if it was a credit card and she PROMISED that it was n't. I finished the questions and signed my name. Where I signed my name, it had something about " credit '' and I asked her about it. She told me that it just said that, but it was n't a credit card. I really felt weary but signed anyway, which is something I regret. She also took {$10.00} off of my purchase, saying that I could not tell anyone about it, whatsoever. She did the same exact thing to my fiance, and once we were on our way out of the store, I searched on the internet to see if Target had just a rewards card. Turns out, they do n't. I was really upset and frustrated that this woman wasted ten minutes of my time to make us apply for a credit card when she explicitly told us it was not a credit card. My fiance called the store once we got home and complained about it, to which he was greeted with a rude customer service rep saying that we just " misunderstood what we were signing up for ''. He explained that she told us it was n't a credit card, just a rewards card, and the woman on the phone literally yelled, " It 's not a credit card! It 's a DEBIT card '' to which my fiance told her that we did not give any of our banking information. At this point, we are livid because the customer service woman is n't listening to us and blaming us for " not understanding '' instead of taking our words seriously. We asked to speak to the store manager, and we were told that she was with another person and that she would call back. She does so, and told my fiance that they have spoken to the employee to get a better understanding of the situation and they realize that it was all a big misunderstanding. My fiance asked what was going to be done about this, and the manager did not give us a definite answer. We feel as if no one at the store took us seriously and that the issue was not resolved. We feel humiliated and completely taken advantage of by this cashier who illegally lied to us.

Company response to consumer: Closed with non-monetary relief