Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am writing to file a formal complaint against Target Credit Card regarding misleading information provided by a customer service representative that resulted in over {$200.00} in unjustified late fees being applied to my account On or about XXXX, XXXXXXXX XXXX  I attempted to make my minimum payment of {$29.00}. Due to a typing error, I inadvertently submitted a payment of {$15.00} instead of the required {$29.00}. 

Six days later, on or about XXXX XXXX I immediately contacted Target Credit Card customer service to rectify my mistake. During this phone call, I spoke with a representative who confirmed my corrected and paid to her another {$14.00} to make it the required payment. Crucially, this representative explicitly assured me that the late fee incurred due to the initial underpayment would be dropped from my account in XXXX once I made that payment to my understanding. I have documentation showing my corrected payment was processed. 

Relying on this explicit assurance, I continued to make my subsequent minimum payments of {$35.00} on time, as scheduled, in XXXX and then again on XX/XX/year>. Then on XX/XX/XXXX I noticed my Balance was higher due to the late fee. So then I called Target and also made a payment of {$40.00}. However, despite the representative 's promise, the initial late fee was never removed from my account. This fee subsequently led to a cascading effect, causing further late fees to be applied in successive months, even though I was making my regular minimum payments on time. 

I have attempted to resolve this issue directly with Target Credit Card on multiple occasions : In XX/XX/year>, after noticing the fee was not removed, I called customer service and was told there was nothing they could do.I continued to call as more fees accrued, but was repeatedly told the XXXX XX/XX/year> I sent a formal dispute letter to Target Credit Card and also paid my {$40.00} bill outlining the situation then again paid {$40.00} on XX/XX/year> but I never received a response. 

Most recently I paid another {$40.00} payment for XXXX then on XX/XX/XXXX I contacted the collections department, who informed me that I was " not misinformed '' and that the $ XXXX in accumulated fees would not be erased. 
I believe I was misinformed by a Target Credit Card representative, and this misinformation directly led to the accumulation of substantial unwarranted fees on my account. I was operating under the explicit understanding that the initial late fee would be waived, and I diligently continued to make my payments. It is unjust for me to be held responsible for fees that accrued due to a promise made by their representative that was not honored. 

I am requesting that the CFPB investigate this matter and compel Target Credit Card to : Review the recorded calls prior and then again on XX/XX/year> where I was explicitly spoke to Precious, a agent at Target and asked her to look into it and remove all late fees ( totaling over {$200.00} ) that have accrued on my account as a result of the initial fee. 

Also any negative remarks on my credit report due to Target Card reporting inaccurate information to be removed.

Thank you for your time and attention to this urgent matter. I look forward to your assistance in resolving this unfair situation. 

Sincerely, XXXX XXXX,

Company response to consumer: Closed with explanation