TD Bank Credit Card Complaint

TD Bank Credit card department,

Late fee Iowa

I accidentally signed up for a Target Redcard ( store charge card through Target ) at the checkout counter at the Target store near me on - -. 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 - - 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 - bill and found out I had been charged - late fees for a total of $60.00. I set up my online account and paid $35.00. I called Target ( - ) the next day on - 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


the representative that I did not have the resources to pay off the $52.00 that was due by -, 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 -, 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 - - but I suggested the - date for the - 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 -, 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 -. I called Target on - to explain what the representative had told me before and ask for the late fee from - 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 - informed me I had not paid what I was supposed to by -, 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.