Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Complaint against Target XXXX XXXX/ TD Bank On XX/XX/XXXX, I purchased {$460.00} worth of merchandise ( XXXX XXXXXXXX XXXX ) from XXXX The package was marked as " delivered '' on XX/XX/XXXX at XXXX by XXXX  with a signature reading " XXXX '' a fraudulent attempt to replicate my actual name ( XXXX XXXX from the shipping label. I never received this package, and no one at my residence signed for it. We were home the entire day. For comparison, another XXXX XXXX order I placed on the same day ( XXXX only allowed purchase of two at a time and we are a family of three ) was successfully delivered with a proper photograph as proof on XX/XX/XXXX. 

Timeline of resolution attempts : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Called XXXX, they said they would investigate. 
XX/XX/XXXX XXXX, XXXX - Called back to check, was on hold for supervisor when call disconnected. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX refused to help and told me to resolve with my credit card. 
XX/XX/XXXX XXXX, XXXX Contacted Target Credit Card immediately and filed a dispute with Target Credit Card/TD Bank ( case # XXXX ). Was told I would be contacted by the dispute department for any follow up or additional information. 
XX/XX/XXXXXXXX XXXX XXXX XXXX Called to check dispute status, told dispute department was closed for the day. 
XX/XX/XXXXXXXX XXXX XXXXXXXX - Called back, told my dispute was closed without notification. The representative saw it was closed but with no resolution or reasoning noted. Reopened it immediately. 
XX/XX/XXXX XXXX, XXXX - Called to check status, told dispute was closed again due to " lack of new information. I was never notified that additional information was needed or given a reason for the first closure. A helpful representative set up a portal for me to upload documentation, which I did immediately with full evidence of the fraudulent signature. 
XX/XX/XXXX XXXX, XXXX - Called regarding a {$30.00} late fee that appeared on my account. I was immediately routed to collections, who then transferred me to a Target Credit Card representative after seeing there was an open dispute. The Target Credit Card representative was condescending and dismissive, stating that because XXXX and XXXX both claim delivery occurred, my dispute has no merit. He refused to waive the {$30.00} late fee, claiming the prior disputes were closed, and suggesting it was my fault for not receiving their letters notifying me of the closures, recommending I " check my mail '' despite the irony that this entire dispute concerns merchandise with fraudulent delivery proof. Yet when I called on XX/XX/XXXX, there were no notes in the system about closure reasoning so how could there have been a letter explaining it? I have received only one letter ( dispute confirmation on XX/XX/XXXX ) and consistently receive all other credit card statements, so it is hard to believe the issue is with my mail. The {$30.00} late fee was charged on XX/XX/XXXX, only 9 days after I submitted full documentation on XX/XX/XXXX, and while my dispute was allegedly " under investigation '' and open even in their records. 

TD Bank has a pattern of closing my disputes without notification or explanation. I have only discovered these closures by proactively calling to check on status. When I first called to check on my dispute on XX/XX/XXXX, I was told the dispute had been closed with no resolution listed, and the representative simply reopened it. When I called on XX/XX/XXXX, it was closed again, this time due to 'lack of information ' yet I was never contacted to request additional information. I reopened and submitted full documentation immediately. This pattern of closing cases without follow-up, then penalizing me with late fees and collections for the resulting delays, demonstrates TD Bank 's failure to properly investigate billing disputes as required under the Fair Credit Billing Act. 

I have requested investigation of non-delivery ( delivery record shows fraudulent signature 'XXXX  ' ), waiver of the {$30.00} late fee charged during my active dispute, and removal from collections. TD Bank has refused to waive the fee or remove my account from collections status while the dispute is under investigation. 

As a loyal customer who has spent thousands at Target, I have made repeated good-faith efforts to resolve this since XX/XX/XXXX. I am requesting a full refund of {$460.00}, removal of the {$30.00} late fee, removal from collections, and correction of any negative credit reporting

Company response to consumer: Closed with monetary relief