Credit card -- Struggling to pay your bill -- Complaint #14911808
Complaint Overview
Complaint ID: 14911808
Company: TD Bank US Holding Company
Product: Credit card
Sub-Product: Store credit card
Issue: Struggling to pay your bill
Sub-Issue: Credit card company won't work with you while you're going through financial hardship
State: Illinois
ZIP Code: 61614
Date Received: 2025-07-27T12:00:00-05:00
Date Sent to Company: 2025-07-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
VIOLATOR : * * Target ( or its financial affiliate ) * * repeatedly violating the * * 7 calls in 7 days * * debt collection restriction despite being notified of your unemployment. * * Subject : * * Formal Complaint Regarding Repeated Debt Collection Calls from Target Violating 7-in-7 Rule I am writing to formally submit a complaint regarding repeated and excessive debt collection phone calls I have received from Target Corporation, or its associated debt collection department, which I believe to be in violation of federal consumer protection regulationsspecifically the * * 7 calls in 7 days * * limitation established under Regulation F of the Fair Debt Collection Practices Act ( FDCPA ). Since XXXX XXXX XXXX XXXX XXXX XXXX I have been unemployed and have communicated this circumstance to Target on * * multiple occasions * *. Despite informing them of my financial hardship, Target has continued to place * * excessive and harassing collection calls * *, often * * more than seven times within a seven-day period * *, without any meaningful response to my prior notices. # # # Specific Issues : - * * Frequency of Calls * * : I have documented call logs indicating * * 812 calls per week * *, consistently over the last few months. - * * Ignored Disclosures * * : I clearly stated my unemployment status and inability to meet payment obligations, yet this was either disregarded or not properly recorded. - * * Repetition * * : Calls sometimes occurred multiple times per day, including early mornings and late evenings. - * * Limited Resolution Path * * : Attempts to speak with a representative to find alternative solutions or payment arrangements were unsuccessful or redirected without follow-through. # # # Impact : This relentless contact has caused significant emotional distress and has further complicated my financial situation. It is especially troubling that Targets practices appear to ignore guidelines meant to protect consumers like myself from undue pressure during vulnerable periods. I respectfully urge the CFPB to investigate this matter and determine whether Target has violated federal communication limits and failed to honor consumer disclosures regarding hardship. I am requesting : - A formal review of Targets call records related to my account. - Confirmation that they are adhering to the FDCPA 7-in-7 rule. - Assurance that any future contact will be compliant and respectful of declared financial hardship. I am willing to provide screenshots upon request to support this complaint. Thank you for your attention to this matter, and I look forward to your assistance in ensuring compliance and accountability. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #14911808 about?
Complaint #14911808 was filed against TD Bank US Holding Company regarding Credit card specifically about Struggling to pay your bill. It was received by the CFPB on 2025-07-27T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.