Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Account : Target XXXX XXXX TD Bank USA, N.A. 
Account ending : XXXX I, XXXX XXXX, am submitting a complaint regarding inaccurate and incomplete credit reporting on my Target Circle credit card issued by TD Bank USA, N.A. My account has been reported as delinquent despite the fact that I have made multiple payments, entered a hardship plan, and have continued making good-faith efforts to pay. 

The negative reporting does not reflect my actual payment activity. 

Documented Payment History ( all XXXX ) : XX/XX/XXXX Payment : {$35.00} ( Direct Debit : Target Card Srvc, Payment ) XX/XX/XXXX Payment : {$46.00} ( Direct Debit : Target Card Srvc, Payment ) XX/XX/XXXX Payment : {$45.00} ( Direct Debit : Target Card Srvc, Payment ) XX/XX/XXXX Payment : {$54.00} ( Direct Debit : Target Card Srvc, Payment ) These payments were successfully debited from my bank account. I also have bank screenshots showing these exact debit transactions. 

Despite these payments being made, Target/TD Bank continued to report my account as late, continued to show a payment due on XX/XX/XXXX as {$100.00} past due with a minimum payment {$65.00} ( see attachment ). 

I was also not notified that any payments were being rejected, reversed, or applied incorrectly. Instead, the account was repeatedly marked delinquent, and negative reporting appeared on my credit file even though these payments cleared my bank and were not returned. 

Hardship/ Payment Agreement : On XX/XX/XXXX, XXXX enrolled me into a temporary payment hardship plan ( see attachments ), which established a fixed monthly payment schedule and suspended certain charges. 
I am actively paying under this plan and am not past due under the agreed hardship terms. I even made a payment on XX/XX/XXXX, more than the hardship amount. 

Issue : Even after entering the hardship plan and making the required payments, the account is still being reported as XXXX late. This creates an inaccurate representation of my payment behavior and violates the requirement to report accurately under the Fair Credit Reporting Act ( FCRA ). 

What I Requested From Target : An explanation of why payments that posted in my bank account are not being reflected accurately Clarification on whether any of these payments were misapplied or not credited properly A correction to my credit report to reflect my actual payment history An update reflecting that I am current under my hardship program What Happened : Target has not corrected the inaccurate late reporting. Despite my attempts to resolve this directly by providing screenshots of my confirmed bank payments, the negative marks remain, and the account is still being shown as delinquent for months where I made payments. I am filing a complaint regarding incorrect late payment reporting on my Target Circle Card issued by TD Bank USA ( account ending in XXXX ). A XXXX late mark was reported around XX/XX/XXXX, but this is inaccurate based on my payment history, autopay issues that were immediately corrected, and my approved hardship payment plan. 

Timeline and facts : My XX/XX/XXXX statement showed a minimum payment due. 
A payment of {$54.00} was made on XX/XX/XXXX, and it posted successfully. 
Previous payments were made on XX/XX/XXXX ( {$45.00} ), XX/XX/XXXX ( {$46.00} ), and XX/XX/XXXX ( {$35.00} ). 
On XX/XX/XXXX, Target/TD Bank approved a XXXX hardship payment program that : Reduced my minimum payment to {$12.00} Suspended all late fees Reduced XXXX to XXXX % Activated effective immediately Despite being enrolled in this hardship program, and despite my payment posting before the delinquency was reported, Target/TD Bank continued to report the account XXXX 30 days late, which is inaccurate under FCRA because : Hardship enrollment cures delinquency once active A consumer in an approved hardship plan can not be reported as late if payments are current Requested Resolution : Correct my credit reports with XXXX XXXX XXXX XXXX to show accurate payment history including the posted payments listed above. 

Remove any inaccurate past-due notations reported for periods where payments were made. 

Update reporting to reflect that I am current and enrolled in an approved hardship plan as of XX/XX/XXXX. 

Provide written confirmation of how each of my payments was applied and whether any system errors occurred. 

Attached Documents : Hardship plan confirmation ( effective XX/XX/XXXX per the file uploaded ) Payment proof for XX/XX/XXXX Account statements Credit alerts showing late payment reporting Payment activity screenshots

Company response to consumer: Closed with explanation