TD Bank US Holding Company Credit Card Complaint

TD Bank US Holding Company Credit card department,

Delinquent account Texas

I setup an automatic pay for my Target credit card starting in -. I was not aware that the payment was not made until - when I received an alert from - - that there was a change in my credit due to a derogatory remark. Target did not attempt to call me, send me an email about a past due amount or send me a letter of the delinquency. I am setup for email alerts and was not notified of any past due. I have never requested to not be contacted. I only received my regular electronic statement letter which did not indicate there was an issue in the subject, it looked like any other regular statement notification I received with Target. I would have not known that the payment was not coming out until I was notified by - - there was an issue with my credit report. As soon as I saw the - - report, I paid in full. I called target but they said they could not help with any credit reporting. My account reflected the derogatory remark for the month of - and - even though the account was paid in full in -. I think it is unfair for a consumer to never be notified of a delinquent amount or have their credit reported if there was no actual attempt to collect a debt. And if they are allowed to report the credit without attempting to collect debt, why was my account negatively reflected for - and not showing paid off? Target customer service could not help or answer these questions. They said I should reach out to a credit bureau.