Consumer complaint received 2025-09-09 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: NV

Complaint narrative:
Target XXXX XXXX XXXX XXXX, MN XXXX XXXX To : XXXX, XXXX, XXXX XXXX XXXX RE. XXXX XXXX, Last Four ID # XXXX, Target Circle # XXXX, Target Red Card # XXXX, Recent 30 Day Late On Target Circle Card Due To Target System Error-Please Remove-Effecting Auto Loan Hello, Back in mid XX/XX/XXXX I changed from XXXX XXXX  to XXXX XXXX XXXX I went on to your system and updated my AUTO PAY information for both of my account-Target Circle # XXXX, and Target Red Card # XXXX to reflect the new payment account at XXXX XXXX XXXX 
On or about XX/XX/XXXX, I was advised that the auto payment on # XXXX was rejected because it was still drawn from the OLD and CLOSED XXXX XXXX  Account. On or about XX/XX/XXXX, I was advised that the auto payment on account # XXXX was also rejected because it was still drawn from the OLD and CLOSED XXXX XXXX Account. Target also charged me late fees and returned check charge. 

On or about XX/XX/XXXX, I went online or called the customer service number, I do not recall which, and again made sure that the correct XXXX XXXX account was listed. I knew that I would be traveling over the remainder of the summer with very limited access to mail, voicemails etc. so I also went into a Target store on XX/XX/XXXX and made a {$100.00} cash payment on both # XXXX and # XXXX. I point out, that this was enough to cover the minimum payments for each account for three months. 

Once again, and while I was traveling, another payment of {$32.00} for account # XXXX was rejected on XX/XX/XXXX, and a payment of {$30.00} for account # XXXX was rejected on XX/XX/XXXX. I was also charged late fees and a returned check charge. If any kind of notice was sent I did not receive it. In fact I will not be back at my home base in XXXX XXXX, NV until later this month. 

Once again, on XX/XX/XXXX I was charged a late fee for account # XXXX, on XX/XX/XXXX I was also charged a late fee for account # XXXX. NO auto payment was drafted from either XXXX XXXX  or XXXX XXXX. I am now questioning whether this is a systemic problem with your payment system and/or a way to generate additional income from Target  card holders?? 

On XX/XX/XXXX I was alerted by XXXX of the credit monitoring services that no payment had been recently made for my Target accounts. I immediately went online and paid {$170.00} for account # XXXX, and {$100.00} for account # XXXX. I went online and checked the auto pay system and it seemed to have the XXXX XXXX XXXX account listed. 

On XX/XX/XXXX I received an email alert from XXXX of the credit monitoring services that my TransUnion account is now showing a 30 day late for account # XXXX. I am in the process of getting an auto loan and this is going to effect that process in a negative way. Maybe even prevent me from getting the loan. 

To add insult to injury, I called Target Customer service earlier today and spoke with a supervisor. I filed a formal DISPUTE on the negative 30 day late entry. While I had him on the phone, I asked if both accounts now showed the correct AUTO pay bank as XXXX XXXX, and if everything was set. I was told that everything looked good. I note that I went online about an hour again and BOTH accounts show the auto pay as OFF ( see attached PICs ). 

I have been a Target card holder since XX/XX/XXXX and my account has ALWAYS been current and in good standing. Given the above, I hereby request that Target immediately : XXXX. Remove the incorrect 30 day late on all credit agencies. 
XXXX Credit me back for all late fees and returned check charges. 

Please let me know what we can do to resolve this matter. I can be reached via email at XXXX. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX

Company response to consumer: Closed with monetary relief