Consumer complaint received 2023-12-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

The issue : After filing a CFPB complaint ( ID XXXX ) for order # XXXX. The company provided false information regarding a resolution, resulting in the complaint being closed without action being taken by the company as outlined in their response. 

Details : Target Card Services ' CFPB response on XX/XX/23 states that a refund was issued to my account for {$240.00} on XX/XX/23 for order # XXXX. This is not true. 

Target Card Services did issue a refund for that amount ( {$240.00} ) for a completely separate transaction. The Target.com order number for the refunded transaction is # XXXX. It was a XXXX bookcase that was returned via XXXX - picked up in XXXX XXXX, NY on XX/XX/23 and arrived on Friday, XX/XX/XXXX at XXXX XXXX The tracking number for that package was XXXX. Please see the screenshot attached that confirms the refund date for order # XXXX. Please also see the that the refund was issued and the return address and zip code ( XXXX ) that was used for that return transaction. This refund was issued by the merchant. 

I have not yet been issued a refund for the order ( # XXXX ) that I raised a CFPB complaint about on XX/XX/23. That return package is in limbo due to Target.com issuing a return label with a zip code that did not match the physical location of the return facility the label was addressed to.

Based on the info shared by Target Card Services in their CFPB response on XX/XX/23, I should have XXXX separate refunds for {$240.00} on my credit statement on or after XX/XX/23 as follows : - A refund of {$240.00} for order # XXXX, returned on XX/XX/23 - A refund of {$240.00} for # XXXX, which has not yet shown up on my account despite the response from Target Card Services via CFPB complaint on XX/XX/23 ( ID XXXX ). Per their response, Target Card Services determined that I should be refunded this amount but haven't followed through on a refund despite claiming that they have refunded me.

To resolve this issue, I am requesting a refund of {$240.00} for the transaction thats still not yet accounted for on my statement. The order number under dispute is # XXXX. 

Attached supporting documentation is as follows : - My bank statement showing only XXXX refund of {$240.00}, not the XXXX refunds that I should have on XX/XX/23 for BOTH returns ( per target Card Services ' claim ) - Screenshots of both transaction amounts ( {$240.00} ) - only XXXX showing an approved refund for order # XXXX. Order # XXXX which is under dispute here has not been refunded despite Target Card Services claim.

- An additional screenshot showing that Target.com approved a refund on XX/XX/23 for a completely separate order ( # XXXX ), and not order # XXXX which is under dispute in this claim - A return label to ( 1 ) show the date that order # XXXX was returned and ( 2 ) to show the physical zip code of the facility which doesnt match the USPS label created by Target.com - this error has presumably delayed the return of the item to them - The USPS label that was provided for the return still under dispute ( Target order # XXXX ), which I have not yet been refunded for despite Target Card Services ' claim - My Target account details to help expedite resolution