Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XX/XX/2020, I contacted Target XXXX XXXX to make a payment. I set up what I thought was a automatic payments on my target card, because due to COVID-19 it was difficult to go into the store to make payments. 

In XXXX, I went to use my Target card, but the card was declined, which I thought was strange since I rarely used the card. I contacted Target XXXX XXXX, the employee advised me that my card was declined due to late payments. I explained to her that in XXXX I set up automatic payment, so there had to be a mistake. The employee I spoke to said the reoccurring payment was only for one payment. I advised her that when I set the automatic payment, that this was not explained to me, and made no sense. I advised her this appeared to be deceitful actions by the card service, because the wording describes automatic payments, and I was not told but the first employee that the payment was a one time payment that would be automatically taken out. 

The employee I spoke to said that shouldve been explained to me and that she would remove any late fees XXXX XXXX, XXXX, and XXXX ) or reports to the credit bureau, due to the one time payment plan not being explained to me correctly. I then paid my XXXX bill with the employee, to avoid any further problems. 

On XX/XX/2020, I was notified by my financial expert, that there was a 30 day late reported to credit bureaus for XXXX. I checked my life lock account, and it showed no late charges for XXXX or XXXX, but it appeared the employee did not remove the late fee for XXXX. 

I immediately contacted Target Card Services, because the employee I spoke to in XXXX advised she was going to remove all late fees. I spoke with the employee/supervisor XXXX, and she said she could not remove the reported 30 day late report, even if it was there fault. I explained to her that I was told months ago it would be removed from my account, and she said there was nothing she could do on her end. I advised her the reason the payments were not made, because I was under the assumption they were being withdrawn automatically, which she said she understood, but she again said she could do nothing. I asked to speak with a manager and she advised me that they were out to lunch.

This is my second attempt with submitting a claim against Target Card Services, I believe they are being unfair, and they should take some responsibilities, especially since the payment method was not explained to me correctly and second the employee did remove two of three 30 day late fees, which at the time I made my payment in XXXX, it was not 30 days past. 

I would like for Target to do what is right and remove the 3rd late fee and send me a letter stating they would. This incident is potentially costing my thousands of dollars, and is catastrophic to my credit score, which I have worked hard to improve, especially during these financially tough times.

I would hope CFPB could do a three-way phone call with myself and Target Card Services, so that I can explain to them this issue and what financial burden it is causing me. 

Thank you for your time.

Company response to consumer: Closed with explanation