Credit card -- Trouble using your card -- Complaint #12661965
Complaint Overview
Complaint ID: 12661965
Company: TD Bank US Holding Company
Product: Credit card
Sub-Product: Store credit card
Issue: Trouble using your card
Sub-Issue: Credit card company won't increase or decrease your credit limit
State: Wisconsin
ZIP Code: 53223
Date Received: 2025-03-23T12:00:00-05:00
Date Sent to Company: 2025-03-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I'm a fed up with the Target 's customer service, I called & waited almost an hour to talk to some XXXX about why haven't I received an increase after almost XXXX of being a credit card member & then they transferred me to a supervisor & then the phone hung up. I'm tired of trying to call customer service & I get no answers & often the phone call drops. I use my target credit card often & pay it off fully, on XXXX & my limit is still only {$500.00} & there are times I used over {$400.00} & paid it off in full, on the due date & still I haven't received an increase. I have a very good XXXX XXXX over XXXX & great income & I have been a loyal customer to Target. I have other credit cards that have higher limits like $ XXXX $ XXXX I don't expect Target to give me that large of a limit but to still be at {$500.00} after almost 3 years is ridiculous. I have several credit cards & Target is the only one with that low of a limit. However, it is the one I use the most often, Because I love the store & shop monthly for necessities, in between pay days & even though it offers no cash back or rewards points or any major benefits, I still use it. However, it's not really helping my credit portfolio, being so low of a credit line & more important than that, I DO NOT feel valued as a loyal customer & I have gave Target XXXX XXXX XXXX XXXX XXXX through the years! & after 3 years I am still at {$500.00} limit. It makes me just want to close the card.
Frequently Asked Questions
What is Complaint #12661965 about?
Complaint #12661965 was filed against TD Bank US Holding Company regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2025-03-23T12:00:00-05:00.
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.