Consumer complaint received 2022-05-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed that XXXX XXXX were on sale at XXXX XXXX and decided to get them price matched at Target  on XX/XX/2021. According to the charges, the subtotal was ( XXXX ) with the following discounts ( XXXX for XXXX 5 % discount ; XXXX Partial Refund, which was the price matching ; XXXX Target  Circle Earnings ). With tax ( XXXX ), the total came out to XXXX. I then used a {$13.00} giftcard which should have brought my total down to XXXX ; however, my XXXX was charged {$160.00}. Essentially I had paid XXXX for the item if the giftcard is included in the price. As this was an online purchase through the " chat function '' on target.com, I didn't take a look at the charge because I didn't think anything would've gone wrong. After the fact, I decided to return the XXXX  as I found the battery life to be much too low for what I needed so I decided to return them. I went to Target and returned them in person and was given a refund for {$140.00}. The receipt states as follows : XXXX  : XXXX ; Adjustments : XXXX ; Subtotal XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX ; Tax : XXXX ; Total Refund XXXX ; Gift Card Credit XXXX ; Target Card Credit XXXX. Therefore, I received a Gift card for XXXX and was refunded XXXX but I had paid XXXX ( which was more than the stated cost of XXXX ) and apparently the gift card that I had applied to this purchase " didn't go through '' ( stated by the manager at target and target corporate when I called them with my problem ). I brought this up to the manager at Target and was told that " the credit card is not a part of target and the bank handles all disputes ''. So I reached out to the bank to report fraud as I was overcharged {$13.00} and was held liable to pay for an item that I do not even own anymore. I was transferred multiple times and bounced between Target, Target XXXX, and a calling service that is operated by Target. I was told by the calling service that they would be making a note of the complaint and that this would be resolved in a few days. I was also advised not to pay so that the charge could be cleared. A month passes and I suddenly receive a bill from Target saying that I now owe XXXX due to missing my payment. It was at this point that I realized that this may be a bigger problem and decided to start keeping the bills for records. I immediately called Target again and was put through the same process of being bounced around for hours before finally being told that they would internally investigate and was told the same thing, hold off on a couple of days, we'll investigate, don't pay any bills, you'll receive a letter on resolution. This time, I also received a letter from Target stating " Thanks for getting in touch with us about your billing dispute. While we review this, the amount you disputed won't be included in your minimum due or be subject to interest charges or other fees. You're still responsible for paying on the rest of your balance ''. 

A few more months pass before I finally received another letter from XXXX at Target Card Services ( XX/XX/XXXX ) saying that my dispute has been closed, " After looking into the transaction ( s ) you disputed, we disagree with your clain and respectfully decline your dispute. Here 's why we made our decision : The charge for {$160.00} is valid ( even though the item was XXXX and I used a XXXX gift card ) ; Our records indicate that the order was shipped to the above address ( I did receieve the item ) ; Merchandise has been returned during the teim of questionable charges ( I returned the item before I discovered that I was overcharged for the item ). The disputed amount, XXXX, as well as any applicable fees and intestest charges, will remain on your account. Please check your next statement for your minimum payment due and due date ''. 

I immediately called them again, repeated myself again, and went over the math the person who took down notes for my dispute request. I stated that I was charged, XXXX on a item that was XXXX. It shows that my gift card ( XXXX ) had been applied to the order in the app, but apparently it wasn't because I was still charged XXXX on the item. When I returned the item, I only receieve XXXX back on my card and was given a XXXX gift card. Therefore, I was confused where an extra XXXX charge was coming from. The person declined to agree/disagree with me but took down what I had said and submitted it for another review. This time, I receieved a bill from them and another letter on XX/XX/XXXX from XXXX at Target Card Services saying that " The dispute on your Target Credit Card has been resolved! The merchant credited XXXX back to your account on XX/XX/2021. Any applicable fees and interest charges have also been credited, and you'll see the adjustments on your next statement ''. 

I feel like I'm just lead around by my tail as no one is admitting to any fault nor providing me concrete evidence or a breakdown of why I was charged XXXX for a XXXX item and XXXX was taken from my gift card balance, but only refunded XXXX and a gift card of XXXX. Being told that this problem has been resolved and I am liable for it even though none of my questions are being answered doesn't help either. Especially since whenever I would like to talk to Target about this problem, my call is always transferred out of Target 's phone number to the call center with heavy accents. Please advise and help me sort this out as they're refusing to even talk to me now.

Company response to consumer: Closed with monetary relief