Consumer complaint received 2015-10-10
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (IA)

I accidentally signed up for a Target Redcard ( store charge card through Target ) at the checkout counter at the Target store near me on XXXX XXXX. I thought I was signing up for the Target card that works like a debit card and debits amounts from my checking account. I realized my mistake on XXXX XXXX when I went to use my card at the store and they told me it was a credit card. I made a payment that day and told them I wanted my account closed. I started getting bills in the mail but thought my account was paid off and closed, so I did n't open them for a few months. I actually opened my XXXX bill and found out I had been charged XXXX late fees for a total of {$60.00}. I set up my online account and paid {$35.00}. I called Target ( XXXX ) the next day on XXXX and explained that I did n't want the card in the first place and felt I had been given it against my wishes. I asked for the late fees to be removed. They did not remove the late fees. They did close my account -- it had n't been actually closed, even though I told the store I did n't want the card when I made the in-store payment. I did not know what to do next, so I waited a few days. I called Target again on XXXX. I explained to the representative that I did not have the resources to pay off the {$52.00} that was due by XXXX, according to the website. I asked if I could work out a payment arrangement. We worked out an arrangement where I paid {$17.00} that day and agreed to have {$38.00} debited from my bank account on XXXX, which was the date of my next paycheck. I remember that the amounts I paid were chosen by the representative -- I would have preferred to pay {$30.00} on XXXX -- but I suggested the XXXX date for the XXXX payment. I may not be remembering that fact correctly. I asked and confirmed with the representative how this would leave my account. The representative confirmed that this would bring my balance from {$90.00} that day to about {$35.00}, and that I would be able to pay that remaining {$35.00} before XXXX, during the normal billing cycle. The representative did not say anything about any other late charges -- I assumed that the entire reason for setting up the payment arrangement was to avoid any more fees or action. The {$17.00} and {$38.00} were debited from my account as scheduled, but I was charged another late fee of {$35.00} on XXXX. I called Target on XXXX to explain what the representative had told me before and ask for the late fee from XXXX to be removed -- after all, at this point, I had paid {$90.00} in 22 days, paying down almost all my balance. My payment behavior did not seem to warrant another late fee. The representative on XXXX informed me I had not paid what I was supposed to by XXXX, so I incurred a late fee. He also informed me he could n't remove this late fee, since I had gone 2 months without making any payments. They will not forgive late fees unless the customer has had 12 months without missing a payment. I have now paid {$90.00} to Target for an account I did n't want in the first place and I am basically back where I started. I just want my account paid off and closed, and I am trying to do that, but Target is making that very difficult by adding late fees, seemingly to prolong endlessly my indebtedness to them.