Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I am submitting this complaint regarding a 30-day late payment reported on my XXXX XXXX credit card account ( serviced by TD Bank ). In early 2026, I transitioned to a new bank account and updated my payment method accordingly. At the time, I believed that autopay had been successfully set up. However, due to what appears to be a processing or system issue during this transition, the automatic payment did not occur as expected. I did not receive any notification by mail or email indicating that my account was approaching 30 days past due. Had I received any form of notice, I would have immediately resolved the issue and prevented the delinquency from being reported. This late payment is not representative of my payment history. I have never previously been late on this account or others. As soon as I became aware of the issue through my credit report, I promptly brought the account current. I contacted XXXX XXXX Services to request a one-time goodwill adjustment, explaining the circumstances, including the bank account transition and lack of notification. My request was denied with a general statement that they are required to report accurate information. I am requesting that this matter be reviewed for a goodwill or exception adjustment, as this appears to have resulted from a technical or processing issue during a bank account transition rather than a willful failure to pay. Additionally, the absence of any notification prevented me from correcting the issue in a timely manner. This negative mark is significantly impacting my credit score and my ability to secure housing for an upcoming relocation. I respectfully request that TD Bank/Target Card Services conduct a thorough review of this situation and consider removing the 30-day late payment as a one-time exception. Sincerely, XXXX XXXX am submitting this complaint regarding a XXXX late payment reported on my XXXX XXXX credit card account ( serviced by TD Bank ). In early 2026, I transitioned to a new bank account and updated my payment method accordingly. At the time, I believed that autopay had been successfully set up. However, due to what appears to be a processing or system issue during this transition, the automatic payment did not occur as expected. I did not receive any notification by mail or email indicating that my account was approaching 30 days past due. Had I received any form of notice, I would have immediately resolved the issue and prevented the delinquency from being reported. This late payment is not representative of my payment history. I have never previously been late on this account or others. As soon as I became aware of the issue through my credit report, I promptly brought the account current. I contacted XXXX XXXX Services to request a one-time goodwill adjustment, explaining the circumstances, including the bank account transition and lack of notification. My request was denied with a general statement that they are required to report accurate information. I am requesting that this matter be reviewed for a goodwill or exception adjustment, as this appears to have resulted from a technical or processing issue during a bank account transition rather than a willful failure to pay. Additionally, the absence of any notification prevented me from correcting the issue in a timely manner. This negative mark is significantly impacting my credit score and my ability to secure housing for an upcoming relocation. I respectfully request that TD Bank/Target Card Services conduct a thorough review of this situation and consider removing the 30-day late payment as a one-time exception. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation