Credit card -- Problem with a company's investigation into an existing problem -- Complaint #9609287
Complaint Overview
Complaint ID: 9609287
Company: TD Bank US Holding Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Washington
ZIP Code: XXXXX
Date Received: 2024-07-24T12:00:00-05:00
Date Sent to Company: 2024-07-24T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a notification from XXXX on XX/XX/XXXX that a payment was more than 30 days late on my card. I immediately checked my emails and found that I never received my e-statement either. A late payment charge of {$41.00} was charged to my Target RedCard Mastercard account on XX/XX/year>. The late payment that was reported to the XXXX XXXX XXXX XXXX so I contacted them via phone where a message played stating they were having technical issues with their payment system. Once I spoke with someone they refused to do anything even though I also immediately paid the balance in full. I also requested my original credit limit of {$6000.00} be reestablish because they also reduced it to {$500.00} but that was not done either. These actions were all taken in XX/XX/year> because I have e-billing statements and did not receive a bill via email for the month of XX/XX/year> and as a result the payment was not made until XX/XX/year> when I was notified by XXXX of a payment that was XXXX days late. I contacted Target RedCard customer service and I was informed that while there had been technical issues at the time with the website and payment system there was nothing they could do to correct the payment history, credit reporting, or my credit limit. I then sent a dispute letter and nothing was done to correct their error which resulted in false information continued to be reported to the credit bureaus which has ruined my credit score and ability to obtain credit from other companies.
Frequently Asked Questions
What is Complaint #9609287 about?
Complaint #9609287 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 2024-07-24T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with monetary relief". 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.