Consumer complaint received 2026-05-25 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: MI

Complaint narrative:
I made my timely payment for {$50.00} to my target XXXX credit card on XX/XX/year>, target processed and removed my {$50.00} payment directly from my bank account on XX/XX/year> at XXXX, and the money left my account. Two weeks pass, target refused to update my available credit, and refused to give me a reason why my payment hadn't reduced my account balance and updated my available credit. It's been weeks and my {$50.00} payment target services took is nowhere to be found, target claimed it was reversed or returned AFTER they had already taken the money from my account directly and now my limit is above what it should be and I'm reflecting as delinquent when this is not my fault at all. I have legitimate proof, photos bank statement and screenshot of the funds removal and it reflects on my XXXX XXXX XXXX ACCOUNT bank statement that target CLEARLY REMOVED MY {$50.00}, and I want my money back immediately or do what should have been done weeks ago, WHICH IS TO process the payment and update my account balance and available credit. This is unlawful and unacceptable for target credit card services to do and I am not a satisfied new customer of targets red credit card. I am actually XXXX. Target also owed me a returned payment fee of {$30.00} for another one of their payment system errors for the month of XXXX to be refunded back to my target card credit account but that has not happened either and my balance just keeps getting raised by endless fees, and penalty charges by target card services. I'm trying to do everything the correct way, and I definitely have done everything correct on my end, but the agents via phone and chat for target credit services are absolutely horrible, they hang up, put you on hold for 55 minutes + and bounce me from agent to agent hoping I will just hang up and give up, but I am not giving up because I am not in the wrong here. I've filed a formal complaint with consumer financial protection bureau once already about how target refused to update my credit account weeks ago too. I just want my money back or for target credit services to acknowledge they're wrongdoing and apply the money ( {$50.00} ) they took from me, to my credit account, as IT WAS SUPPOSED TO BE IN THE FIRST PLACE. I'M ATTACHING MY BANK STATEMENT TO PROVE THAT TARGET TOOK {$50.00} ON XX/XX/XXXX OF 2026 at XXXX XXXXFROM MY XXXX XXXX ACCOUNT that is SAVED IN MY TARGET CREDIT ACCOUNT ONLINE. I need SOMEONE TO HELP ME AND DO SOMETHING. I have called 20 plus times to phone agents at target card services as well as XXXX, and sent countless messages via target app to credit dept agents, and I have been treated like absolute XXXX for this entire ordeal, and I refuse to accept that my money is just disappeared and gone. It's not back in my bank, it was not returned to my bank as target credit services agents claimed and it's nowhere to be found and my target XXXX credit card is now in horrible standing and they're reporting to credit bureaus of my late payment and negative feedback because of this nonsense that is absolutely ridiculous. FIX THIS!!

Company response to consumer: Closed with explanation