TD Bank Credit Card Complaint

TD Bank Credit card department,

Late fee Maryland

Here 's the short version ( the detailed version is in a letter I will attach ). In -/-/- I was talked into taking out a Redcard '' credit card at a Target store. I was told that the credit card would entitle me to a small discount on my purchases and also a free - coffee that day. After filling out an application in the store that day, I was given a paper receipt good for a short time as a temporary card and told that they would mail a credit card to my home address ( which is a house my husband and I own, that I have lived at for many years ). I used the card that day to buy items. I never received the card and also never received a billing statement which I expected to appear around -/-/- given the timing of my purchase. When I had not received the billing statement by -/-/- I called Target. I had a very hard time making contact by phone with their card


paying the bill, which I had also never received. That day in -/-/-, I paid the entire bill and closed the account since I had never gotten the card or the billing statement and was afraid that I might be hit with more charges. The customer service person who closed my account tried to talk me into keeping it open saying they might '' be able to waive the - dollar late fee but since it was n't a sure thing and I had no idea where my card or bills had gone I did not feel safe keeping it open. After I closed the account, I learned that the company is required by law to send you a bill within a certain time and if you do n't get it then you are within your rights to complain, so I sent them a long and detailed complaint asking that they ( a ) refund the - dollar late fee, ( b ) refund any interest they charged on the purchase beyond the - billing cycle ( as I normally pay off the bill when I get it and never even had a chance to do that - I could not even use the temporary piece of paper to open an online account to check balance, I never knew my card number because it never came ) and ( c ) remove any harm to my credit report from this situation. I am NOT disputing the amount for the items I bought in -/-/-, I 'm happy to pay for those, but I 'm angry that they did not send me either the card ( which after a certain number of days, meant I could n't get the discount I was promised shopping at Target as I needed card in hand for that and they could n't just look up the number ) or a bill until interest AND a late fee had already racked up. I received a response from Target to my complaint basically blowing me off and saying we sent it to your address on record so we 're not waiving anything ''. So in a nutshell, I never got the discount I was promised, never got my card, and was charged a late fee and interest on top of my purchase price because their card and bills never reached me. I have no idea why it would not have reached me, except that there are - streets with same name as mine ( - -. ) in - area and occasionally our mail has been misdirected to - of the other streets or we have gotten mail for - of the other residents. I really feel ripped off because other than a free - coffee I got NO benefit from this Target card and it seems like it was just a scheme to never send me the card for the discount and then rip me off. I hope you can help me. I am going to attach the letter I wrote Target about the situation. Although this is n't directly related to the complaint, I 'm especially upset because in -/-/- and -/-/- my mother has been seriously ill and nearly died in -/-/- and I do n't appreciate having to hassle with a credit card company over something as simple as this right now.