Credit card -- Problem with a purchase shown on your statement -- Complaint #17802656
Complaint Overview
Complaint ID: 17802656
Company: TD Bank US Holding Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 94086
Date Received: 2025-11-21T12:00:00-05:00
Date Sent to Company: 2025-11-21T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Issue : Improper handling of a disputed charge ; failure to process a billing error ; repeated run-around between TD Bank ( issuer of the Target XXXX ) and XXXX. Complaint : I am filing a complaint regarding TD Bank, the issuer of the Target XXXX, for failing to properly handle a dispute related to a duplicate charge from a voided Target return. On XX/XX/XXXX, I returned XXXX items to the XXXX XXXX XXXX Target Store # XXXX totaling {$1600.00} ( purchases : XXXX XXXX on XX/XX/XXXX for {$1100.00} ; XXXX XXXX on XX/XX/XXXX for {$100.00} ; XXXX XXXX on XX/XX/XXXX for {$360.00} ). During the return, Targets system voided the refund mid-process, causing my account to be charged again immediately. The return shows as refund posted then immediately post-voided, leaving me with a posted charge but no refund. I visited the store XXXX additional times ( Tue night and Fri morning ) and spoke with XXXX ETLs who confirmed they see the items returned but can not process a refund due to an internal system issue. I have also contacted Target escalation support XXXX times and received multiple case IDs ( XXXX, XXXX, XXXX ) with no resolution. When I contacted during the process, TD Bank RedCard support repeatedly refused to open a dispute or Payment Research request and instead kept transferring me back to Target customer serviceeven after I explained that the charge is posted, the return was voided, and Target could not correct it. TD Bank failed to follow required billing-error procedures and declined to investigate. I am requesting the CFPBs assistance to : Require TD Bank to open and investigate the duplicate charge dispute. Remove or correct the improperly posted charge. Prevent further delays caused by TD Bank sending me back to Target instead of handling the billing error as required under Regulation Z. I can provide receipts, XXXX statements, and documentation of all store visits and case IDs.
Frequently Asked Questions
What is Complaint #17802656 about?
Complaint #17802656 was filed against TD Bank US Holding Company regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-11-21T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with 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.