Consumer complaint received 2026-03-23 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: CO

Complaint narrative:
I have a Target XXXX XXXX that I use mostly for my family 's essentials ( groceries and home supplies ) and Target supplied a {$300.00} credit limit on this card with their perk of 5 % back on purchases. I rely on this card for these essential purchases and count on the 5 % back in savings. The {$300.00} limit is oftentimes not high enough for a month 's purchases, so I will often make a mid-cycle payment to pay it down to ensure I have enough credit for the whole month 's necessities. For this month 's cycle, I was proactive in making a payment early ( in the amount of {$210.00} ), on Sunday, XX/XX/year> ( a week before the auto-pay date of XX/XX/XXXX ). It was posted and my bank ( XXXX ) sent the payment on Monday, XX/XX/XXXX. It is now Monday, XX/XX/XXXX and the payment has not been reflected on my Target XXXX account. Due to this, I have not been able to use the card to make my purchase of groceries I have needed, as the amount exceeds my credit available. I called Target this morning and was told by a representative that the payment had not been completed on my bank 's end. I called XXXX, who confirmed the payment had indeed been completed and I was supplied with the web ID number for confirmation. I called back XXXX, concerned where this money was, as this hasn't been an issue before, and the representative spoke so fast and rambled on that I couldn't understand his explanation of why this was occurring. I explained this mid-cycle payment happens occasionally for me and that I need to rely on the payment going through. He again rambled on with no clear explanation, other than throwing in phrases about them " holding the payment '' and ending with " so this payment should be reflected within a couple more days '' and " so is there anything else I can help you with today? XX/XX/XXXXeffectively cutting me off from asking any further questions regarding the matter or ensuring I understood what he was trying to explain. It makes me very frustrated and concerned that my payment would have been sent to Target XX/XX/XXXX days ago and not reflected on my account, leaving me wondering where my money is. It is of further concern to me that XXXX representative would indicate my bank hasn't made the payment, but once confirmed otherwise, another representative would skirt around the issue and not give a clear explanation of where my money is. In addition to this matter, I brought up the question to the first representative of raising my credit limit so I will not run into this problem in the future of having to stay on top of this, and she tried to explain the process of the request, which was difficult for me to understand- but what I think I understand is that I'll have to wait for a confirmation letter in the mail that may take XXXX weeks? This seems an absurdly long and convoluted process ... I'm not even entirely trusting that this request was submitted, as I didn't get any written confirmation that they made this credit increase request on my behalf, nor did they ask what I would prefer my credit limit to be at. This is not the first time I've had to frequently hound Target XXXX about needed services, so overall the experiences with them are compounding with me negatively.

Company response to consumer: Closed with explanation