Consumer complaint received 2021-10-27
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: Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint:
This is a complaint against Target Mastercard. 

I purchased tickets from XXXX XXXX XXXX for {$100.00} on XX/XX/XXXX. As a result of a glitch on app that was handling the financial side of the purchase, the app was sending a message that the purchase did NOT go through and no tickets for the purchase were issued. As a result of the glitch, I was charged 5 times for a one time ticket purchase. I was charged : {$100.00} three times on XX/XX/XXXX {$100.00} one time on XX/XX/XXXX {$100.00} on XX/XX/XXXX ( the only transaction that is valid and did go through, tickets were issued ) I called XXXX to let them know that I saw the multiple charges on my credit card and they confirmed that the online service handling the sales had a glitch and did accidentally charge multiple times for purchases. 

I called MC  on XX/XX/XXXX and told them that I only saw one credit for {$100.00} dated XX/XX/XXXX, but there should be 4 credits of {$100.00} each ( I was charged five times and only one purchase of {$100.00} was valid, therefore 4 credits should have been issued ).

The agent said that they would put the other three amounts of {$100.00} each in dispute. These disputes did not show up on my transaction history online in the cc account. 

I called XXXX back again on XX/XX/21 and after investigating, they sent me " refund receipts '' ( attached ) showing that the other 3 credits ( and the final 4th credit ) were in fact issued. The first 3 were issued on XX/XX/XXXX, yet as of XX/XX/XXXX, online in the transaction history ( not the statement ), I did not see those credits OR the dispute they had supposedly initiated on my behalf as credits posted to my account. 

I called MC and after speaking with XXXX different agents, the final agent being XXXX, I was told that she could see the 3 credits and the disputes " behind the scenes '' on her end. When I asked why I only saw one of the three {$100.00} credits posted on XX/XX/XXXX on my account, she couldn't really answer that. She told me that it will show on my statement. 

This does not make sense. Every purchase and return ( debit and credit ) is posted to your account on a daily basis and can be viewed when you go in to your transaction history. While I understand that they may take a day or two to post to my account, it does not make any sense as why only one of the credits would be posted. 

Something is not right. As a consumer, I am entitled to view my transaction, credits and debits, as they post. If they do not show as posted to my account, it is logical to believe they are not being applied to my account. MC is telling me that this is the way they operate and I will not see all of my transactions as they are posted? This is my money and as a vigilant consumer, I often login to my transaction history to make sure that everything is accurate and that is no fraudulent activity.

I had an issue last year with the same MC. They did not post a {$96.00} credit from a Target return. It took me 7 months of going back and forth with letters and documentation for them to finally realize they made an error and then they issued the credit. 

I do not want a repeat of a 7 month dispute. They need to show ALL transaction history for consumers to be able to see their debits and credits. There should not be a " behind the scenes view '' that they see a credit, yet as the cardholder, I do not see the credit and can not verify that credit has been applied to my balance. This is a horrible, deceptive and unethical business practice. 

I know that I can not be the only one that is having difficulty with the transparency of transactions with this credit card company. The vend or has issued my credits ( see attached ) and I want to see them as transactions on my account ( it has been 4 weeks since they were issued ). 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief