TD Bank US Holding Company Credit Card Complaint

TD Bank US Holding Company Credit card department,

Maryland

This is about my Target Credit Card. In - of this year, I made a payment on my Target card with my checking account. The payment was returned by bank, It was a mistake by my bank. In - I made my Target payment in the store with cash. A week or so went by and the payment was not posted. I called Target credit and inquired as to why.my payment was not reflected. I was told that since my - payment had been returned, they were holding my - payment for 12-15 days. I asked why as the payment was cash. I never did get an answer. I then made my - payment in the store with my debit card ( also a cash transaction ) and again my payment did not show up. I called and was told that since my - payment had been returned, no matter how I make my payment for the next 6 months, it will be held for 12 to 15 before posting. I asked when was this policy made and why did Target not inform it 's customers of this change. The representative told me we do not have to mail you any thing, now you know and hung up on me