Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have tried in good faith to repeatedly work with by calling, which is the ONLY means of communication, with the Target Card customer service. Every time I have called, the person has a very thick XXXX accent, and I suspect that they do not understand the callers sometimes. And sometimes it's very hard to understand them. 

That's minor. My major complaint is that I make regular payments, and the company will NOT reflect the credit for XXXX weeks, and sometimes more, unless I call and ask them why. Now, only once ( in the past XXXX weeks ) I have called Target Card ( TC ) to ask them to credit my payment. They agreed to do so only after they were a third party to a call that was placed to XXXX XXXX ( my bank from which payment was withdrawn ) and XXXX had confirmed that YES - my payment was taken out a long time ago. So then the customer service person at TC only then credited my account. 

This has only been a recent happening, to my knowledge, of receiving very late credit to my TC in the last XXXX months or so. Maybe it's been longer, but I may not have been shopping at Target as often, so I didn't notice before. 

XXXX I called them, and supposedly XXXX that I spoke with XXXX is a manager. But he told me that because someone before called XXXX XXXX with me, that he can't do it, and there's nothing more he can do but to " escalate '' my concern. Well, I told him that this has been 'escalated ' many times before, and nothing at all has been done. I told him that I at least would like to understand why they're doing this, and he ( nor the other customer service people before him ) could explain this. In fact, if you pull their recorded calls, they flatly state that they're not sure, they don't know, etc.. 

I have had numerous other suspicious activity on this account, but they were quick to erase erroneous charges that I happened to catch, or that they charged me twice for one payment - and then reported to the credit bureaus as if this was my fault ( paraphrasing what someone at XXXX told me after I called inquiring about the mark on my credit regarding TC ). 

Target Card is playing " fast and loose, '' it seems. They don't care about fraud - as I mentioned, they had charged me {$140.00}, and then wouldn't investigate where it came from, and I suppose they didn't feel it was a big enough deal to issue me a new card/number. 

But the lastest 'game ' they're playing with holding my money hostage for long periods is something I've never experienced with any other company, and their customer service is terrible like I've never encountered. For example, another time that I had called in the last XXXX months, a lady answered. She was quite rude, and I was remaining neutral, but asked to please speak with her supervisor. She then muttered something, and then hung up. This was after having waited 30+ minutes on hold to talk to someone at all. So I called back, waited another 20+ minutes, and talked to someone else about the fraud charge on my account. That person is the one who erased the $ XXXX charge, and that was it. 

There are many questionable activities surrounding this company and their customer service. I have had so many strange encounters, so I'm sure I can't be the only one. All the interactions leave me extremely uneasy, but because I love Target 's deals, I keep the card. I'm hoping someone here at CFPB can help investigate what is actually going on with TC, and if their practices are standard ( it does not seem so - just based on my activities with other banks and credit cards ).

Company response to consumer: Closed with explanation