Consumer complaint received 2026-01-27 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: CA

Complaint narrative:
Hello, Let me first say that I want to apologize for taking so long to submit this claim. I am visually disabled and have been having health issues for the better part of a year. I will do my best to describe the situation as best I can in the statement below. This complaint is against Target for their Red Card service and for my account-XXXX On XXXX of XXXX, Target changed their online platform from " Red Card '' to " Target Circle ''. When they did so I was locked out of my account and could not make payments. I was sent an email saying that XXXX was switching platforms and that I wouldn't be able to access my account for a week. Once that week passed, I tried to log into my account on the new website and was not able to. This is still XXXX of that time and my last payment was {$50.00} on XX/XX/XXXX, so I thought my account was in good standing. But I continued to try and make payments to my account I wasn't able to do so. I called many times in order to see why I was having this issue and was not able to reach anyone that could help me. I would be transferred again and again until the line would disconnect and I would have to start over again. I had always made my payment online and now I was not able to do so. At a certain point in either XXXX or XXXX, when I called to speak to someone again about my account issues I noticed that the number on the back of my card took to a company called " XXXX XXXX. '' Not knowing what that company was I figured I had the wrong number. 

I eventually learned that this was the collection agency specifically used by XXXX in order to get payment from past due accounts. At this point it had been several months since I had been able to make a payment on my account and many late fees had been added to my account. It took me many tries to reach a live person to talk to at XXXX XXXX. When I did reach somebody they would only ask me for a payment, never put anything in writing, and never listen to me that my account had been in good standing since I had opened it in XXXX never having missed a payment. Finally, because I was advised to do so by a XXXX XXXX, I made a payment of {$40.00} that posted on my account on XX/XX/XXXX since I had to mail it in. I had continually asked for the late fees to be removed from my account and for my account to be placed back in good standing-but that was never an option by the people of Alliance XXXX, not unless I paid all the extra late fees, which I wasn't going to do. 

On XX/XX/XXXX I made another payment of {$120.00} dollars on my account to keep my account open and to show I was serious about making payments on my card. Plus I figured that this payment would cover the previous balance on my card and it would bring my balance to close to zero if the late fees were removed. I also wanted to get my account out of collections and get it to good standing so I could talk to the card service people at XXXX and not at XXXX XXXXwho seemed to be more interested in getting every dime they could out of me and not resolving my issue. But I found out that week that my account had been closed, even though I had called numerous times and made XXXX payments that month totaling {$160.00} in order to show good faith and that I was serious about keeping my account in good standing. 

Since then my account has been closed and just accumulating fees & interest to the tune of {$330.00}. My credit score has also taken a big hit because of how this issue has been reported. All I am asking for all the late fees and interest accrued from them to be removed so I can pay what I rightfully owe as well as this " delinquency '' on the card to be removed from my credit report because it was truly not my fault that this occurred. As I had stated before, I had my account with XXXX since XXXX and never had any issues with making any monthly payments. My credit score was over XXXX at the time of this issue and one does not get a credit score that high by missing payments and being irresponsible with their credit cards. I honestly can not even begin to count how many times I have called the Target customer service number while my account was open in order to correct/fix/resolve this issue-but I was always told that I would have to pay for late fees that were not my fault and accept that my account status would be in bad standing. No one I talked to was willing to put anything in writing and even when I payed {$160.00} in XXXX month-my account was still closed. 

I would appreciate any help in this matter that I can receive. I am a XXXX student who does not make enough money to hire a lawyer to represent me, so your organization feels like my lsat chance. How this is being reported on my credit score is hurting my finances and my ability to acquire student loans in many ways, even though I have been a responsible payer of all my accounts. Again, any help I can receive in this matter would be greatly appreciated. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation