TD Bank US Holding Company Credit Card Complaint

TD Bank US Holding Company Credit card department,

APR or interest rate Texas

For the past four years, I have requested a lower interest rate from Target Card Services in order to minimize the overbearing finance charges imposed on my account. Since -/-/-, I have diligently been trying to get assistance from their guest services as I contacted them via telephone but was unsuccessful in my negotiations. In -/-/-, I submitted a written letter ( attached ) and was informed the company does not participate in these type of requests. In -/-/-, I attempted asking again via telephone, and was told a canned response that was not helpful to my situation. -/-/-, I came across a general note in my online account indicating to submit updated information to determine if I could qualify for an interest rate reduction. I submitted my information a month later and never received a response. I have attempted making on-time payments each month, nevertheless ; I may have been late once in a - month cycle as it still should not preclude me from attaining a better interest rate. I have never been with a credit card company that does not fairly negotiate with their customers. At the rate I am going, it makes the process more difficult to payoff the remaining balance considering other debt taken into account. Therefore, I would greatly appreciate your assistance in resolving this matter.