Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6278389
Complaint Overview
Complaint ID: 6278389
Company: TD Bank US Holding Company
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Massachusetts
ZIP Code: 02740
Date Received: 2022-12-04T12:00:00-05:00
Date Sent to Company: 2022-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Target credit card was set up with automatic payments. All checking account info was loaded in database. XXXX payment was not processed and Target did not reach out until 31 days late. It was a {$30.00} dollar payment. Entire balance was paid immediately, I explained the auto pay was set up. I asked if it could be confirmed and was told the information was in fact loaded onto the database but I still could not enroll in auto pay. Target then reduced my available credit while not reporting my payment further torpedoing my credit score. Ive reached out to target 5 times and sent two general inquiry emails. The response is the reporting is accurate, but they dont take any blame for their own system failures. I was set to buy a house that I now do not qualify for because of a {$30.00} dollar payment. Realistically this would never happen. I have just closed my target account and I would like this 30 day late mark removed.
Frequently Asked Questions
What is Complaint #6278389 about?
Complaint #6278389 was filed against TD Bank US Holding Company regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-12-04T12:00:00-05:00.
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 reporting, credit repair services, or other personal consumer reports) 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.