Consumer complaint received 2015-08-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
See below my emails to Target 's customer service team which describes my interaction with them via and email and phone regarding a credit card that they signed me up in the guise that it was a loyalty points/discount card as opposed to a credit card. 

-- -- -- -- -- Forwarded message -- -- -- -- -- Date : XXXX XXXX 2015 at XXXXXXXXSubject : Customer Complaint - Credit Card ChargesTo : XXXXXXXXHello, I 'm a US citizen who lives in XXXX XXXX and I only come to the USA every 4 years for a visit. I was in the USA for six weeks between XXXX this year. 
I shopped at Target and the cashier told me about a discount card that they offer, saying that I could get 5 % off my purchase if I used it. I decided to apply for the card right there to get the discount on the purchase that I made. This was just a few days prior to my departure from the USA on the XXXX of XXXX. 
I was under the impression that the card I was applying for was the same kind of discount card that is used by XXXX and XXXX, both cards that I had previously applied for which give significant discounts on purchases. 
I was not told that this was a credit card that I was applying for. 
I gave my mother 's address and the prepaid cell phone number that I was using while in the USA. My mother has since left for XXXX for six months. The person staying at my mother 's place forwarded my dad the attached bill from Target for a credit card that I supposedly applied for. 
When I made the purchase, I gave the cashier my XXXX XXXX XXXX credit card to make the purchase. I was not aware that the purchase was made on this new Target Credit Card. 
I am willing to make the payment for this particular transaction as I did n't know that it came off the Target card and not my own credit card. However, I am not willing to pay any fees attached with this card, as I had no intention to apply for a credit card, and the cashier did not explain this at all to me. I think that it is fraudulent to have someone believe they are getting a discount card when they are actually signing for a credit card. 
I spoke to a customer service agent on the phone who told me that he has the final say and that I had to pay the penalties and there is nothing more that I could do. 
If you do not resolve this as requested, then I will either take it up with the consumer protection agency ( or whatever this may be called in the USA ), or if I do n't have the energy to do this, I will just not pay the amount, as I hardly ever come to the USA anyway. 

The person that I spoke to is : XXXXSenior Credit Advisor - TargetHe was very unhelpful and my conversation with him was extremely frustrating. 

Regards, XXXX XXXXTarget 's response : On XXXX XXXX 2015 at XXXX, Target Guest Relations & lt ; XXXXXXXXXXXX & gt ; wrote : hello XXXX, Thanks for contacting Target. I see that you have signed up for a REDcard with the understanding that it was a discount card, and not a credit card. I apologize for any frustration. 


I 'm sorry, but Guest Relations is unable to assist with this issue since we do n't have access to your REDcard information. Please call the number on the back of your card and our REDcard team will be happy to assist you. If you do n't have your card, call our REDcard team at XXXX and they 'll be able to help you with your questions. 



If you 'd like to manage your account online, simply visitwww.target.com/redcard to enroll or sign in to Manage My REDcard athttp : //rcam.target.com. Once enrolled, you can send the REDcard team online messages, view your billing statement and more. 


Thanks for getting in touch. 

Sincerely, XXXX Guest RelationsMy responseDate : XXXX XXXX 2015 at XXXXXXXXHello, It seems that you did not take note of my concern that I found the call centre extremely unhelpful, as you are referring me straight back to this channel ...

Company response to consumer: Closed with monetary relief