Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
b'I have fallen ill due to complications from Bariatric surgery and unable to make the full payment amount due since I am not working full time and my husband is out of work to aid in helping me and caring for our two young children. I contacted Target Red Card Services and advised them on multiple occasions of my situation an was advised by multiple CSRs to make some sort of payment rather than none to keep account afloat and this would NOT effect my credit or payment history due to my impeccable payment history and tenure with Target. So after being told this, I made 2 or three smaller payments of XXXX XXXX and XXXX I needed to make sure my heat, mortgage and food was provided for my family. But also wanted to be diligent and make some sort of payment. This has never happened to me before so I am trying the very best I can. I have made multiple large payments where I use the card and pay it off in full on numerous occasions. This was also discussed during the phone calls and brought up regarding the first tim EVER I was not able to make the full required payment amount. I was at no time offered or told to speak to a credit or collections team EVER.  Nor was I notified if I didnt make a full payment that it would be reported to EVERY credit agency and that my credit score would drop hundreds of points in one day. Needless to say Target has legit ruined the last 40 years of my credit history I have built. I am beyond mortified of the damage this company has caused me. Within the last week every single credit card the has had ANY sort of available balance has been removed and shut down. This was my livelihood to help me out for the next month until I could access funds in my 401k to help pay off some of debt. They have reported late payments or delinquencies which has single handily distroyed my credit history I have worked so very hard to build all due to false information I was provided by multiple customer service reps who told me just make a payment - something is better than nothing- then I get hit two months later with delinquent payment history. Target never ONCE made an attempt to reach out to me via phone, email or letter to let me know this was going to occur. I had zero warning. If they would have given me a heads up I could have tried to ask a family member to see if they would let me borrow funds for the payment so this would not have tanked my credit, my name and my reputation. But instead they just have caused havoc and wrecking and have zero remorse. As soon as this appeared I called them ASAP as I was mortified and they THEN told me I had to speak to Collections. I was transferred to a REP who told me he could work with me, remove the late fees, stop the interest from occurring and setup a payment arrangement. I asked him why my credit dropped, that all the previous CSRs assured me that because I was making payments it would not and he told me sorry they told you wrong but I can help you now. I was so upset and frustrated I told him I needed to cool down and would call back. I called back the next day and again got completely different information. I was told that what the previous collections rep told me was all wrong, they cant waive any fees, they cant stop interest and that I needed to pay XXXX  by XXXX. Then they would set me up on a 12 month payment arrangement of XXXX for the next 12 months. I told her I agreed and begged her to please not tank my credit score anymore. She told me she couldnt confirm or deny anything. A few days later I received a letter from Target in the mail regarding a payment arrangement. It stated nothing about the payment due on XXXX for XXXX  yet discussed the XXXX  for 12 months to begin on the next payment date. I have zero trust in Target Red Card Services at this point. I have filed a formal complaint with XXXXXXXX XXXX XXXX and I will file one with Target Corporate as well. As a mother of 2 and a hardworking individual who has fallen ill, is doing every and anything to make ends meet I am sick to death on how a company had taken everything from me in the last week. Any access to funds I have had they have removed from me due to lies of delinquency. I have given them everything I have. I am sicken and disgusted they can do something to a human being being that reached out asked for help and was given wrong information time and time again. Now I am suffering. Being hit with late fees, service charges, interest charges left and right. It is inhumane, horrendous, discusting and cruel. Please review and let me know what you can do for me. I am going to file a BBB complaint as well. \n I have the letter from target I would be happy to share with you. Let me know how I can send it. \XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation