TD Bank US Holding Company Credit Card Complaint

TD Bank US Holding Company Credit card department,

Closing/Cancelling account Tennessee

Approximately - three months ago I was informed that my credit limit had been reduced due to inactivity. I DID NOT receive any notification prior to, that such action would be taken on my account. When I inquired about this change I was notified that I had not used my card in over a year. I am an - military member in the United States - and there are times that we are -, transfer and/or have obligations that do not afford us the opportunity to use retail cards as normal. That was the case for me in which I was - in - 2015 for seven months, returned and immediately transferred. It was during that time that the year passed.


and request a credit limit increase for what I consider no fault of my own would again affect my credit score. Approximately one month ago I did attempt to use my card online to purchase some storage boxes, the card was denied. I attempted a few days later in the store, feeling that the card was just not working online again the card was declined. The manager of the store was kind enough to still allow me the benefit of the 5 % after he could see that I had a legitimate card. And now I received notification that my account will be closed, " It 's our policy to close accounts that haven been used in 18 months. '' I believe that I have done all that I should as a consumer to have a positive account with your company but there is little to no support for personal situations that apparently do not fall within your companies approved standards. I am trying very hard to improve my credit score so take any action against my credit seriously. I feel that more communication from your company to consumers would allow you to better gauge the situation of your consumers instead of making decisions in a vacuum. I would like my credit limit restored, I do not care to have it increased just back to what it previously was ( $300.00 ) and a new card issued. Now that I am settled from my transfer and will be stable for the next few years the use of the Target card will easily be accomplished.