Credit card -- Problem when making payments -- Complaint #11749003
Complaint Overview
Complaint ID: 11749003
Company: TD Bank US Holding Company
Product: Credit card
Sub-Product: Store credit card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: California
ZIP Code: 92308
Date Received: 2025-01-25T12:00:00-05:00
Date Sent to Company: 2025-01-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I want to preface this with the fact that I have multiple credit cards, not because of poor debt management but to improve my credit score which is over XXXX. With that, I have multiple credit cards ( including other store credit cards like XXXX 's ) and they all allow me to make same-day payments. The Target credit card, however, makes it hard to make a same day payment. The Target credit card only accepts same-day payments before XXXX XXXX XXXX, and they otherwise charge a late payment fee even if paid on the due date. Other credit cards allow payments at any time on the due date and do not charge a late fee so long as it is made before midnight. I've paid on the due date in XXXX occasions in the last 6 months and on both occassions they have charged a late fee even when it is completed on the due date. The Target credit card should be able to offer the same options that their competitors, and in some cases smaller companies, do. It is unfair that XXXX can have this predatory practice that allows them to unjustly earn late fees because of their inability to process payments like most other credit card providers on the due date.
Frequently Asked Questions
What is Complaint #11749003 about?
Complaint #11749003 was filed against TD Bank US Holding Company regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2025-01-25T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against TD Bank US Holding Company?
Yes, visit the TD Bank US Holding Company company profile at readthecomplaint.com/company/td-bank-us-holding-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.