Credit card -- Problem with a company's investigation into an existing problem -- Complaint #18146289
Complaint Overview
Complaint ID: 18146289
Company: TD Bank US Holding Company
Product: Credit card
Sub-Product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: California
ZIP Code: 94589
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I paid my Target credit card with my bank account on the Target website and the payment posted on date XX/XX/2025 in the amount of {$160.00} and I should have a XXXX balance but my available credit is only {$39.00} so I called the customer service number on the back of the card and the representative on the 1st call told me she couldn't tell me why my credit line has not updated, So a week XXXX I called and asked for an updated on the 2nd call was told we don't have updated and i'm getting off the phone if you don't have anything else to discuss and the rep hung up the phone on me. on the 3rd call I was told that they have to speak to my bank to ensure the payment when through and I told the rep it's been 3 weeks since I made the payment and he said I know i see it right here and he confirmed they recevied they payment but I had to go through additional verification by doing a 3 way calll with my bank on the line or wait unitl XX/XX/XXXX. The issue is still not fixed. I'm sick and tired of calling these people from overseas and now I need you guys to get involved because I can't get and clear answer from them
Frequently Asked Questions
What is Complaint #18146289 about?
Complaint #18146289 was filed against TD Bank US Holding Company regarding Credit card specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
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.