Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
TARGET DELIVERED LESS THAN ADEQUATE CUSTOMER SERVICE TO HANDLE MY SITUATION, YET STILL BILLED ME FEES. I AM WILLING TO PAY THE FRAUD SINCE IT IS CLEAR TARGET IS NOT A REPUTABLE CC COMPANY AND I WILL SEVER ALL BUSINESS WITH THEM. I AM WILLING TO MAKE PAYMENTS TO THE PRINCIPAL CHARGES ONLY BUT THEIR BILLING SYSTEM IS POORLY DESIGNED. I WANT SOMETHING IN WRITING. TARGET HAS DESTROYED MY CREDIT WITH THEIR OVERSEAS CUSTOMER SERVICE. THIS HAS BEEN A TERRIBLE EXPERIENCE FOR ME. WE RECENTLY EXPERIENCED A FLOOD AND HURRICANE IN XXXX AND I WAS UNABLE TO FOLLOW UP BY XX/XX/year>. THEREFORE, I AM REOPENING THIS COMPLAINT. AN AMERICAN BUSINESS REP FOR TARGET CALLED ME IN XXXX AND I HAVE YET TO REACH HER AGAIN. THEY REFER YOU TO A NON ENGLISH THIRD PARTY AND HIDE FROM THIER COMPLAINTS. Formal Billing Dispute Letter Target Credit Card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX To Whom It May Concern, I am writing to formally dispute billing errors on my Target credit card account ending in XXXX under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and to request a clear, itemized accounting of my balance. This dispute concerns unauthorized XXXX charges, improper interest and late fees, and Targets failure to provide meaningful assistance despite repeated good-faith attempts over the past XXXX months. I canceled my XXXX subscription ; however, XXXX continued billing my Target credit card without authorization. These charges are unauthorized and formally disputed. For over XXXX months, I have been unable to obtain competent assistance or a clear explanation of my bill. As disputed charges, interest, and fees are intermingled, I am unable to determine the undisputed balance at this time. I have refrained from making payments not out of refusal, but to avoid misapplication to interest and disputed charges. Payment made under protest. I dispute all interest charges and do not waive my rights under the Fair Credit Billing Act. I remain willing to pay legitimate, undisputed purchases once Target provides a transparent, itemized accounting. I request written confirmation that disputed amounts are frozen, removal of improper fees, and assurance that no negative credit reporting will occur during this dispute. Sincerely, XXXX XXXX -sent certfied mail CFPB Complaint Target Credit Card ( TD Bank USA ) Summary of the Problem I am filing this complaint regarding my Target credit card account ( issued by TD Bank USA ) due to unauthorized charges, improper interest and late fees, and the issuers failure to provide meaningful assistance or a clear accounting despite repeated good-faith efforts over the past XXXX months. Unauthorized XXXX Charges I canceled a XXXX subscription ; however, XXXX continued to bill my Target credit card without authorization. These charges are unauthorized and disputed. XXXX has a documented pattern of consumer complaints describing the same recurring billing behavior after cancellation. Failure to Provide Meaningful Assistance For over XXXX months, I have attempted to obtain help from Target Credit Card Services to understand and resolve my billing. I have been unable to speak with a knowledgeable representative, callbacks and written clarification have gone unanswered, and I have not been provided a clear, itemized accounting separating disputed charges from legitimate purchases. Payment and Good-Faith Efforts I have an excellent credit history and am acting in good faith. Because disputed LawDepot charges, interest, and fees are intermingled with legitimate purchases, I am unable to accurately determine the undisputed balance. I have refrained from making payments not out of refusal, but to avoid misapplication to interest and disputed charges. I have formally disputed the charges under the Fair Credit Billing Act and stated : Payment made under protest. I dispute all interest charges and do not waive my rights under the Fair Credit Billing Act. Harm Caused Improper interest and late fees, ongoing stress due to lack of assistance, risk to my otherwise excellent credit history, and significant time spent attempting to resolve this issue. Resolution Requested 1 ) Provide a complete, itemized accounting separating unauthorized charges, interest/fees tied to disputes, and legitimate purchases. 2 ) Reverse unauthorized LawDepot charges. 3 ) Remove interest and late fees associated with disputed charges. 4 ) Confirm disputed amounts are frozen during investigation. 5 ) Ensure no negative credit reporting during the dispute. 6 ) Provide written guidance from a competent representative to resolve and close the account. Contact Information Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Account : Target credit card ending in XXXX

Company response to consumer: Closed with explanation