Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (VT)

Target XXXX XXXX XXXX XXXX, XXXX. XXXX Attn. : Collections Correspondence Dear Sir or Madam : While visiting our daughter in XXXX in XXXX XXXX, my wife XXXX and I shopped once in a Target store and were delighted to be asked to open an account ( which we thought was a discount card ). While there are no Target stores here in XXXX, we do travel on business and felt having a Target card would be useful. We expected to receive a Target card in the mail but one never arrived, hence we did not activate it. Nor did we receive any invoices for the single small purchase we incurred until XXXX XXXX, XXXX. We were horrified to discover that our small purchase had ballooned into a {$130.00} bill with four months of late fees! 

On XXXX XXXX, I contacted Target representative XXXX XXXX at XXXX. I explained that we had never received the Target credit card, and she confirmed that a card in XXXX 's name had never been activated. I also explained that the first card statement we had EVER received was for a closing date of XXXX XXXX, XXXX. I told her that I was more than willing to pay for the costs of goods we purchased but I explained that we had had no knowledge that the account was in arrears and requested that Target drop the exorbitant penalty fees. She said that she was more than willing to drop the accrued interest but she refused to eliminate the penalty fees. 

I then requested that I contact a supervisor. At XXXX on XXXX XXXX, a supervisor named XXXX called me back. I again explained that we were more than willing to pay for what we purchased, but had no written knowledge of ANY indebtedness, and especially the the past due debt until XXXX XXXX, XXXX. XXXX refused to eliminate the penalty fees, and suggested I write to you. 

We have searched our small rental condo repeatedly and have found no correspondence with Target since the initial purchase until the XXXX XXXX, XXXX letter with the XXXX XXXX, XXXX invoice. There is no Target credit card either. We can not explain how XXXX letters from you and the original cred card have gone missing, but can confirm that relatively frequently other mail we expected was never received at our mail stop. 

The simple fact is that we are willing to pay the initial amount we charged, but the amount we initially charged has ballooned to four times the original amount in 5 months. We know this new charge is both grossly unfair and illegal under XXXX law as well. Hopefully your office can rectify this matter amicably, as we know that Target has a reputation for high customer satisfaction. If not rectified, my wife XXXX is a XXXX and will be taking this matter up with the XXXX State 's Attorney general 's office. 

We sincerely hope that you will roll back the clock so that we may pay the original purchase price and move forward with a positive relationship with Target, but are prepared to contact the State 's Attorney General if you chose not to eliminate the late charges. We believe you have violate XXXX consumer protection provisions in your collections and are prepared to move on that front if this issue is not settled as we have suggested. 

Sincerely,