Credit card -- Trouble using your card -- Complaint #8766120
Complaint Overview
Complaint ID: 8766120
Company: TD Bank US Holding Company
Product: Credit card
Sub-Product: Store credit card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Alabama
ZIP Code: 35244
Date Received: 2024-04-13T12:00:00-05:00
Date Sent to Company: 2024-04-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a target credit card opened XX/XX/2023. I have made my payments no issues. XXXX XXXX I paid a payment for XXXX. The company placed a hold on it due to suspicious payment. Finally after complaints they removed it I made another payment XX/XX/XXXX XXXX. That payment was held due to suspicious payments. I was told by Target that they wanted to speak with my bank to see if I had authorization to make those payments and because it was usually large they didnt feel I could make that payment. They stated in the past my payments have not gone over XXXX and they just need the bank to validate I could make a payment. I asked XXXX can I not make a large payment with my checking about or debit card he said I can they just need the bank to verify I can make a payment. I have made this payment and it has been 10 days and my payment has not been released due to being XXXX and they dont feel I have money in my account. They are holding my money until I allow them to speak to my bank to verify I have money in my account to make the payment. The payment has cleared on their end but needs to bank to verify I have money and its not fraud. I asked them do they verify with all customers who make large payments he said the computer decides who needs to verify if they have money. This is XXXX profiling and harassment in lending and I am seeking legal action against Target
Frequently Asked Questions
What is Complaint #8766120 about?
Complaint #8766120 was filed against TD Bank US Holding Company regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-04-13T12:00:00-05:00.
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.