Credit card or prepaid card -- Trouble using your card -- Complaint #4837981
Complaint Overview
Complaint ID: 4837981
Company: TD Bank US Holding Company
Product: Credit card or prepaid 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: Missouri
ZIP Code: 630XX
Date Received: 2021-10-23T12:00:00-05:00
Date Sent to Company: 2021-10-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have had a Target card since 2015 and has never missed a payment with Target. I also have many other cards on my credit report with a 100 % payment history. Target XXXX recently reduced my credit limit from XXXX to XXXX, when I called to inquire, the response was it was the credit bureau decision. Most recent Target XXXX decreased my credit limit again this time to {$900.00} which was a huge impact on my credit report impacting my credit utilization ratio. Target XXXX is not able to provide me with a reason why they are constantly decreasing my credit limits even though I have no missed payments. I work for XXXX as a XXXX making well over XXXX yearly and I dont understand why my credit limit is being decreased as well as no one can explain why.
Frequently Asked Questions
What is Complaint #4837981 about?
Complaint #4837981 was filed against TD Bank US Holding Company regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2021-10-23T12:00:00-05:00.
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 or prepaid 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.