Credit card or prepaid card -- Fees or interest -- Complaint #5088060
Complaint Overview
Complaint ID: 5088060
Company: TD Bank US Holding Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: California
ZIP Code: 95746
Date Received: 2022-01-09T12:00:00-05:00
Date Sent to Company: 2022-01-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Regarding Target XXXX XXXX. I changed banks for my personal checking. My autopay with Target would not allow me to change the account because it was too close to the due date. I therefore paid the entire balance of the statement on XXXX. My bank statement and their own statement confirm a {$0.00} balance on XXXX. Despite this, they ran the autopay to the now closed account. This of course resulted in a decline of charges, and the Target XXXX charged me a {$28.00} fee for returned payment. I called, and the reps ( 2 ) both agreed that on the date of autopay, no money was due. However no one will refund the {$28.00}. This is fraud. Autopay is not suppose to run if no money is due. They made a mistake, and although they admit to it, I am being held to pay for their mistake. Attached you will find my XX/XX/2021 Statement with a balance of {$33.00}. You will also find my XX/XX/2021 Statement showing {$33.00} paid XXXX. Then there is an autopay for {$28.00} on XXXX. This is the amount in dispute, because on that date, there was no money due, as the statement had been paid, and autopay should not have been run. I know this is a small amount of money, but it is the principle. I do not owe this. I have paid all but the {$28.00} and cancelled my Target XXXX. I just need help to reconcile this issue, which I have refused to pay. Thank you. XXXX XXXX
Frequently Asked Questions
What is Complaint #5088060 about?
Complaint #5088060 was filed against TD Bank US Holding Company regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2022-01-09T12:00:00-05:00.
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.