Target Credit CardConsumerAffairs Unaccredited Brand
I use this card but I try and make payments in full at the end of the month. Each time I do, Target holds the payment for 15 days! Each time I've had to call them to "release my funds early" so that I can use my credit line. Each time I've called or emailed them, its a very different reason why they do this (and mind you, it's the only card I own that does this). They claim it's for fraud protection. In case people make a payment to the wrong account (wtf? so everyone has to be penalized for those few?). They claim it's because if it's a young account, they don't have a history of payment established yet. This is the real shady answer - They say they do it for all for protection but they recommend not making a payment as large so that the payment is not delayed... most people adjust. WTF? So don't make a large enough payment so you can accrue interest?
All this is BS and it seems like it.s just a way to take your funds and leave them in a money market account long enough to generate additional interest for profit. Not to protect the consumer. I've attached the latest email from them trying to explain this and basically reiterate that they released my funds again after yet another call.
On February 1, 2018 I scheduled a payment on my banks online bill pay section for my Target REDcard for the total statement balance of $1,136.18. The payment was scheduled for February 6, 2018, and my bank delivered it on time. On February 7, I noticed that the amount had not been debited from my checking account. On February 8, 2018 I checked my bank account again, and when I did not see that the payment had been debited, I called Target REDcard services, and I spoke to a representative who told me that they had not received my payment. On February 9, 2018 I called Target REDcard again at 2:32 PM, and I got the automated system which indicated that no payment had been made and prompted me to make a payment over the phone to avoid a late fee because my due date was on Sunday February 11, 2018.
I was leaving town that day, and I had no time to stop by my bank, so I went ahead and made a payment on the automated system to avoid having to pay an extra fee. On Monday February 12, 2018 two payments of $1,136.18 were debited simultaneously from my checking account causing my account to become overdrawn. I contacted Target Card and I was told that the first payment would take 48 hours to processed, a second, third and fourth representative confirmed that the payment was processed on February 8, 2018 (48 hours after it was received). However, Target REDcard is refusing to credit me back my money, or refund me for my insufficient funds fee from my bank. On the first call the representative who was supposed to be in the refunds department hung up the phone, when I ask to speak to her supervisor.
On the second call I spoke to a representative named Jamal, who transferred me to Will ID **, who transferred me to a representative named Kim, who refused to give me any identifier, then I was transferred to a representative named Courtney who refused to give me an ID, but stated that she was at ext. **, then I was transferred to a supervisor named Filomena ID **, then I was transferred to someone else in Arizona, and all these during the second call. I spoke to three other people before the last representative on the first call hung up the phone on me. This company is a joke. They cannot process a payment timely. Their automated system does not provide accurate information. The representatives are extremely rude, and totally inefficient. When I requested a refund be sent to me electronically for the additional payment they refused.
Even though they have record of me calling on February 9 through the automated system, they have no record of me calling and talking to a live agent the day before. When they told me that they had to send me a refund via UPS, I asked them for a tracking number, and I was told by Courtney at ext. ** that she could not provide me one. When I asked her to e-mail me the UPS link she stated that she could not send me an e-mail - Yes, as unreal as it sounds in 2018 Target REDcard Mastercard representatives cannot e-mail you a simple UPS link or credit the same account electronically that they debited one day earlier. Unfortunately, I have to give them one star because this system does not allow me to give them ZERO stars, which is what they deserve. Believe me, this crappy card is not worth the miserable 5% discount you get at their stores.
I have spent the last 2 years, 2 times a month calling and talking with Target credit card services because they have completely destroyed my credit and have charged me beyond imaginable from mistakes they have made. They're even dumb enough to tell me they looked back in the notes and saw that the last person clearly specified in there that they were doing something they weren't suppose to and then they go and do it themselves and it's literally a never ending cycle or retards not having any clue what they're doing. I will never shop at another Target again and I surely hope they go out of business just because of how completely stupid everyone working card services is.
I did not receive the Red Card in the mail, so received a cryptic email telling me to activate my card and to call a specific number if I had not yet received it. When I called that number, the automated voice on the line repeated the request to "enter my card number" 28 times. The only reason I waited 28 times to hear that message was that there was literally zero customer service number on the web that did not request me to enter my card number so I could ask what was going on.
The person on the line, once I got through, did not speak good English and after my explaining about my card not arriving, hung up on me without getting the information to get a new card. Then, after a 2nd time, the customer service person said I should expect the card in 6-10 days. I didn't receive it again. I called the line again, they said they were not able to close my account, and are sending the card a 3rd time. I have charged nothing on the card, have no card and can't apparently cancel the card.
I paid my card in full online each month. One month they processed it a day late and charged me a fee. I was never sent a notice of the late fee. They kept adding late fees each month until they finally sent one to me on the mail! I paid for all my merchandise and somehow now have 148 in ONLY late fees. This is absurd as I paid the first late fee even though I don’t believe it was in my control they took my payment a day later than scheduled. Called so many times and they haven’t helped at all. They twist the verbiage and type incorrect comments in your account. Worst customer service next to Xfinity and Comcast...
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I bought $400 worth of items at Target Wareham, MA but I did not have my Target REDcard. The cashier told me I could go to any Target same day and get the 5% back in my account. So I went to the Marlborough, MA Target with the Redcard and receipt and they promptly told me that I needed to go to the original store of purchase to get the 5% back. What gives? Same chain, same system, same everything, just a different location. I don't know if this is store policy, technology limitation, or clueless workers, but what a joke. IF YOU HAVE A RED CARD, MAKE SURE YOU HAVE IT WITH YOU AT TIME OF PURCHASE OR THEY WILL SCREW YOU. Just a word of advice. Signed, screwed and really aggravated.
I initially had pleasant experiences with my Redcard customer service. Then I had the misfortune of a 2 month period of unemployment and 2 missed payments. My attempt to work out a payment plan did not go well as the customer service rep was rude and unhelpful. It is on me to make payments on time but my experiences with my other credit card companies at least provided me with suggestions and possible solutions. I should have listened to one friends, who previously worked at Target, who warned me not to fool with Target and their Redcard.
My card was locked for insane reasons. I sent over faxes to clear it up and they said someone has been calling who isn’t me. Which I know is untrue I’ve been calling to check on everything. I’m a loyal customer since 2009 and this is how I get treated very unfairly. I will cancel my card and never pay a dime since they won’t help me. I’m not doing squat for them.
I'd give zero stars if allowed. Calling the various customer service phone numbers, you're prompted to enter a card number 6 times before being given the option to report a lost or stolen card. Very few people would have the patience to be prompted 6 times. This is clearly an intentionally malicious obstacle. Alicia was my customer service representative and was entirely helpful. There were no problems or difficulties. I don't know why Target's phone service needs to prep customers to feel rage before connecting them with their employees.
I thought I was applying for the record that came out of your debit account. I received no late notice from this company. When I noticed a 60 past due I called the company to let them know that's had not intended to apply for their credit card. Paid the original charge and interest but requested a waiver of the late fees. I was told they do not waive late fees after 30 days which makes no sense, how can you encounter late fees if you aren't past due? I requested a supervisor and was told one was not available and to correspond on writing. I sent a letter with no answer. Keep receiving calls that another late fee has been added so at this point I'm being charged $40 every month for late fees!!! They make no concession to help with the fees at all!!!
I have not been able to access my Target account at all. My card was paid off. Target will not remove fraud charges and each month they send me statements adding more charges and creating huge sum of money due. In fact they added different charges which made the card have a higher balance than it did when this fraud started back in April.
This headache has been going on since March and the hours and hours of time and I can't get anyone to help! I got 1 letter saying they removed the charges but then they added different charges that were removed in the beginning that were fraud and still leave me with charges I shouldn't have. I want as many people to know about Targets REDcard so they don't live this 6 month nightmare! I don't know what to do?
Website appears so broken to me. Always locked out of my online account. Supposedly I need their security but I do wonder if it isn't deliberate. My nightmare! Spent over an hour two days ago trying to reach someone to unlock account. No clear option on menu. Twice a person I reached put me on hold and call cut out. Now I'm a day late so it hurts my otherwise excellent credit. Target you suck.
Target payment was the last thing on my mind during Hurricane Harvey preparations. I made the payment at 10 pm on the day it was due and Target considered it as late since it was after 5 PM. I did not know that anything after 5 pm was late. So I got a late fee tacked on to my account which was unaware of since I assumed it was zero. Then September came around and they tacked another late fee on because of previous month's late fee balance.
When I called to speak with customer service, they said the company had "graciously" waived the September late fee due to Harvey. I asked to have the August late fee waived instead so then there would not be a September late fee and Target REFUSED. Target is heartless. I don't plan on supporting a company that does not support its customers especially during hard times. Look at the companies who stepped up to help with Harvey relief efforts. I don't see Target helping anyone other than themselves.
Target; The worst (card, website login, account alerts). Target has the worst website, login and account alerts. I always pay my credit cards way before the due date and always "current full balance" not even the last statement balance. I paid over $114 for a purchase of $19.00 and actually after it affected and brought my credit score down. I found out that there was a purchase and they didn't bother to contact me, instead they contacted credit bureau that my bill hasn't been paid for over 4 months. So my Capital One & Citi Bank sent me emails that your credit score changed when I tracked it down, I found out I forgot about $19.00 purchase. So I paid $19+$114 immediately switched to the paper statement instead of the paperless statement and shredded my Target Credit Card.
Opened a Target card maybe around 2013/2014. Would use the card as needed and then pay via website. No major problems other than the ** time you have to pay by, (as long as I pay on the due date, who cares if it's after 6 pm!). Problems began in 2015; was having some medical issues and was not fully invested in my credit cards or paying tons at the card due to co-pays etc. associated with multiple dr visits. Balance was around $700, I go to pay my card online and am greeted by a prompt to call said number and unable to make any payments via web. Call customer services and I was sent to collections, yes I paid late. However I was more concerned with a possible cancer diagnosis than a pathetic Target bill. I was told collections would contact me. Months pass, I get a really shady letter from a debt collector out of NY.
Problem is they are claiming I owe $1100. Ummm, my limit was $1000 so I would like to know how it's possible to go over, plus I was down to maybe $700 or less as I was paying card off over 2-3 months. Pissed off I put the letter aside, and with life complications forgot about it. I was never sent any additional letters, calls or emails to obtain the debt. Fast forward to September 2017. The door to my building is called and there is someone delivery a letter that needs to be handed to a person. I couldn't for the life of me figure out what it could be. The next evening, knock at the door and... I'M SERVED WITH A SUMMONS FOR SMALL CLAIMS COURT FOR A ** $1100 BALANCE! Are you kidding me? Apparently TD bank took over the debt and is suing me! I was never sent anything from this law firm/debt collector office about the balance.
After debating on wasting a day off from work for this bull, I decide I don't have the time or energy to fight them and will see if I can work something out with the firm. Called and left a message, no one called me back. Finally the day of my court date I call the office and ask if they received my message and that I will not be at court. After being put on hold multiple times, to my surprise, they say they can't take any payments from me or help me. I am given an 800 number to call and they are to help with the matter. So I ask, "Who exactly am I calling?", and she replied TARGET! WTF, apparently my account is still active. So I have been accruing fees for YEARS on something no one could help me with, they ** serve me court papers and now I have to deal with these **?!
If anyone knows what I should do next I would greatly appreciate it as not only has this been such a nuisance, but the amount of stress having being served, (I have never done anything illegal, never been sued or had to go to court!) has really pissed me off! My plan is to take Target to court, how dare they treat their customers as such! After reading what others have gone through I realize how awful these large corporations are! I will never set foot in Target and I will be sure to tell everyone I know to boycott!
This past May I received my first Red Card bill. It was a little over $100 and I paid the whole amount within a few days. The next month I received a bill that included interest and a late payment fee that was more than one third the original bill. Thinking that I must have forgotten, I immediately paid it all. But when I checked my records I saw that I had indeed paid the first amount of time and my online bank statement indicated that a payment had been made to Target. I called Customer Service and after several relays I was finally connected to Crystal, to whom I explained the situation. I gave her my bank's phone number but the bank was closed for the he day so she said she would call them the next day to verify this.
A few weeks later I got a letter from Crystal asking for the whole story again. I sent a detailed report. After a few more weeks I got a letter from Crystal saying the claim was denied. In short, I had paid the bill, had proof that I paid it but they denied the claim anyway. This has never happened to me before. I have excellent credit and always pay bills long before they are due. Obviously, I will never use that card again, but it is a blot on my credit and I'm out almost $50.
I open my REDcard 2016, my minimum payment is always $27 to $37. I pay monthly $100 more than the minimum, I used to go to the store to make my payments but doing it online was more convenient. So I open the online account so I can make my payments directly from my checking account, I guess when I enter my bank account, I miss type the last number of my checking account. So when I process my first payment online it said your bank will reflect in 2 business days and I was ok with that because I knew that it takes time, so I waited 2, 3, 4 days. I called REDcard and they told me that the $100 payment was returned, and that was the reason that it was not reflecting.
So the representative from Target told me "we can contact your bank and see if the funds are available" and I said "I am seen my online banking and is available" but they said they needed to hear it from the bank. So 3 way call my bank they verify the funds and they post the $100 I asked my bank why is the reason that it was returned and the bank said "because when the bank account was enter you mistyped the last number of your account and we could not release the money", (I am glad that I was paying my Redcard 15 days before my due date) so the Target representative told me because was a returned item they put a fee on my account for $27. I was a little upset because like my bank said was a miss typo not that I did not had the funds to cover the payment but been my mistake I did not argue the fee.
So July comes and I make my payment I make, I am looking into my online to see by statement and it says your credit limit is $400 your balance is $262 and your available credit is $0. so I called REDcard again. I speak with a representative and she explains to me that the payment for July was returned so I said I don't understand why since in June happened the same thing. She said "let's call your bank to see if the funds are available" (mind you the previous representative in June told me my bank account was updated) so we call my bank again and they say is because the last number of your account is wrong and then I said but I thought the last representative in June had updated that then the representative from target tells me "no we can not managed that because you are the only one who can edit bank account online."
So there is another $27 for the month of July (me, I should of pay attention to the bank number when I was making the payment) ok I took the next $27 for the month of July. I go to my REDcard online today and my credit limit is $400 my balance is $262 and my available credit is $0 again so I called the representative tells me is because your payment was returned and I said "I know and you guys charged me $27 but I want to know why is my available credit $0." She said "well your account is in hold until we can verify with your bank" and I said I called on July 24th and they spoke with my bank and the payment was release by my bank and she said "Well I am sorry but if I can not call your bank I can not release your available credit."
So I asked to speak with a supervisor. A Bob supervisor comes on the line and says exactly what the other representative says and I told him "I understand that you guys had to charge me $27 June and July but if twice you guys have spoken with my bank and know that it was a miss typo why is my available credit not reflecting." He says "because your Redcard is going to have a Hold for the next 6 months" and then I say "why I paid the fines for my stupid mistake you guys spoke with my bank and it was because a mistake not because I did not had the funds and you want to put my account on hold for the next 6 months, mind you I haven't used my account for the last two months, why can you release the available credit" and he said "that is the policy of target an there is nothing I could do".
So I asked "so if I go directly to the store and make my payment in cash every month I will be ok?" and he says "NO your account is on hold for the next 6 months" and I told him "why if I am paying cash" and he said is "a penalty because the payments did not go" (I am glad that I had pay my account like 15 days before because if not I will get charge late fee). Mind you I haven't use my card. I have no available credit to use and I been paying more than the minimum every month they know that the payments did not go because a mistake not because not available funds but still they put my account on hold for 6 months and even if I go to the store and pay cash my account will still be on hold.
Here is the big reason why I don't like going to the store to pay it. Is because unfortunately is sad that I have to get to this point but my ex-husband had an affair with one of the logistics team leader and the managers knew me and knew about the affair. I thought in corporations having relations with employees more been team leaders/ manager was a big NO NO. So I avoid going there to pay or purchase anything because is embarrassing to see the people there and know that I was probably the laugh of everyone so that is the reason that I haven't use my card or go to the store, and if I have to purchase something either I do it online or I go to a different store.But now I just want to be done with Target in General but I know if I go an pay my full balance and close my credit card, can affect my credit and I had work so hard to keep it in good. SO BEFORE YOU OPEN A REDCARD PAY ATTENTION TO ALL THE CONDITIONS AND DON'T LET THEM FOOL YOU, BECAUSE
I did and I got played with the store and the Team Leaders and the Redcard.
I applied for a Target Red Card (store card) online and I got a phone call from Target Financial Services about the application asking me for my birthday, my address and how old I am. How strange. I called back the number and was told by Ashley that I have been approved and the card has been mailed to me but in order for me to use it I need to fax the front and back of my SS card, the front and back of my license and a utility bill. How strange that a company issuing a card should ask for sensitive documents. I called again and I asked them to cancel the card but was told that they cannot do it. I told the person I am going to report to the FTC about their practices which I did.
I received a Rejection letter from Target Red-card thanking me for my interest and that I am Declined. I never applied for this card. Every time a Target cashier asks me if I want to save x amount by applying for their card I answer: NO. Also the reason they list for my rejection as it lists on the letter is: FICO: 912. Who gave them permission to process me for a Credit card?
Not only is Target saying I have 4 late payments, but they are also reporting that I have 2 identical credit cards with them. This means that 2 high amounts and 8 late payments are being reported to the credit bureaus. I have written Target and TransUnion multiple time to get the other card off, but got denied. Target has admitted that the card was the old card without a chip and not a separate account, but still won't report it correctly. They refuse to help me with taking the 4 late payments off. They were late due to having a set amount taken out and not adjusting it when the payment went up. Terrible card.
All they want is the money. Customer service reps are robots, and I spoke with 2 of them. They simply don't care, won't work with you, dishonest and heartless. This was the case even when you said you'd pay the whole thing off; even when I threatened to close my account. They just wanted the money. We're talking about $65 of purchase over 2 months; with 70.00 of charges (2 months late because I thought it was the regular red card withdrawn from my bank like I used to have).
I switched bank accounts and had my account on auto pay. Even though I updated my info and paid my bill early, they still drafted from my closed account. They charged me a $27 fee. When I called, the lady said it was just good business practices. I paid my account in full and closed my card. Losing customers over their mistake.
Information requested for over a year still not sent - In the summer of 2016, I received a phone call from a collection agency regarding an outstanding bill due to Target on their CC. I did not remember opening a card in June of 2015 and before you all scratch your head, between May and July, my husband divorced me, sold our family home, I moved to an apartment, my mother was diagnosed with cancer and died a month later. Needless to say that time in my life was very hazy. So I told the collection agency that I don't recall this transaction, explained why (as mentioned above) and asked them if they could please send me a copy of the receipt so I could see if I actually did sign up for a Target CC. I explained that it could have been me, but I would like to see a receipt so I can hopefully recognize something on there.
About 3 months later I received 12 months worth of CC statements. I called the company and left the guy a voicemail saying I only received CC statements not the detail of what was purchased. About 5 months later a new collection agency got involved. I explained the same thing to him and he completely understood where I was coming from, and said he would get that for me. About 6 weeks later, I received the same CC statements in the mail. Today I get a call from the same collection agency. I told him that I received the same non detail stuff in the mail and told him what I needed again and explained why (seriously I don't feel like rehashing a horrid time in my life, but feel the need to explain why I may not remember opening a card), of course this guy was the big guns. Talking to me like I am lower than whale turds. He then gives me the number of the dispute at Target.
I don't want to dispute it. Disputing is just as bad for credit as having this on my credit, but I call them anyhow. Now I am being told by Target that I have to submit in writing what I am looking for and guess what, I have to send it on through snail mail. I can't email it, I can't fax it... Snail mail. Did I mention the original charge was 600 and change and now it's over 900 and change? Did I mention, I didn't get one bill from them and was shocked when the first collection agency called me? Did I mention that my credit score has taken a 100 pt. dive because of this so my car loan is at a higher rate? It's not right how Target handles these things. They certainly aren't consumer friendly, and I will avoid them at all costs even if/when I get this rectified.
I've never had an experience with a credit card bill quite like this. I tried multiple times to pay the bill online and the website kept freezing and then multiple times via phone and was disconnected or put on hold for over an hour. I got hit with fines and kept trying to pay and couldn't. I finally went in to a Target store to pay the balance but got a bill the next day with an additional fine (had already been in the mail). I finally got through to a manager who refused to remove any fees (even with full payment that day). I've never had an experience like this - trying too hard to pay a bill and feeling like the company was making it impossible to pay and then hitting me with fines for it. I'm really disappointed in Target and will be posting on social media about this. I pay all my bills on time all the time. I've never found it so difficult to pay a bill.
I had gotten a Target credit card after paying cash for years. We missed the first payment accidentally and when I got the second bill, sent a check which I came to find they never received. When I got a bill with all the extra late charges & high rates added on, I explained the issue, hoping they would pardon the charges being the first offense & that I was willing to pay the bill. The answer was an adamant no. It's not their policy. I've had this happen before with Kohl's & Macy's, both of which said, "No problem. We will waive the fees." I told the Target rep that it was horrible customer service. Here's your money, and you lost a long time shopper. Bad business. Never again will I ever set foot in that store.
TARGET CHARGED ME A $27 FEE for a stop payment which was done by my bank. I owed around $50 but bank sent in payment to Target for around $5000. It was a big clerical error but Target doesn't care but slaps on a big fee after I have paid on time over 5 years with them. I paid the original bill owed but then they still want to charge me the $27. After talking to 3 people at corporate, they won't take off the fee for nothing. My balance is half of the fee that was sent by my bank and they should have known it was a mistake.
Target charge me twice for the red card 5% off program. I paid for the products in the store. Have receipts to prove it. I ask customer service to refund my 5%. They wind up putting full amount on the red card when I ask them to only put the 5%. Customer service assure me that would fixed the problem and yet and still they are saying I still owe them. Target is very unprofessional about this services. Please do not use their red card. You will be sorry later.
I paid off my REDcard on April 12 (check sent on the 10th). On June 3, I received a bill for $86.97 in late fees - one for April and one for May. This is the first I've been notified. The statement closing date is on the 25th of each month. So my payment to pay off the bill was received by Target thirteen days before the closing date. I tried calling both numbers on the statement and got only a recording.
3rd call - a number from the internet 888-608-7627 same recording. 4th call - 1800-440-0680 #3 #1 got me a real person who told me to call 1800-424-6888. I reached a real person! Tiesha, who hung up on me under the guise of putting me on hold to retrieve information. 5th call - same number as above, got a recording. 6th call - I thought the 5th call was dialed wrong - recording. 7th call - I got a new real person, Jill, with an American accent. Finally someone who will help me. She took my last name and phone number to give to a supervisor who would help me with the charges. She put me on hold and then there was a click that disconnected me. Does anyone know how to get these charges reversed? Email me at **.
I have had a credit score of over 800 for years. Target Red Card has RUINED my credit score. I had a $29 charge that carried for over 75 days. I PAY MY BILLS AS SOON AS THEY ARRIVE. I never got a bill for the $29. The ONLY way that I knew my credit was in the tank was because I looked at Credit Karma since I am a senior and going to sell my home and move into a senior rental. NOW THAT IS A BIG PROBLEM. I called Target to find out what happened, why they didn't bill me, they insisted that they did. They said that I had elected paperless billing... OK, that would be fine if they sent me an emailed bill... THEY DID NOT. The Target representative told me it was my responsibility to look at my Target account online each month and make the payment. REALLY??? Then the person I spoke to said she couldn't help fix my credit but she could take the payment over the phone then and there. Hmmm... I use Bill Pay on my checking account.
I hung up and took care of it after letting her know what I thought. I paid the bill when I hung up but my credit is in the toilet. Oddly, yesterday and again today (FOR THE FIRST TIME SINCE December WHEN I JOINED TARGET RED CARD) I got an email telling me to log in and see how much I owed or disregard if I had paid. I cut my card in half, wrote a letter to the CEO of Target, and will never enter another Target store as long as I live. Don't do it... it isn't worth it. Stay out of their lousy stores. I was talked to in a manner like I have never been in my 69 years by the witch on the phone who was happy to do nothing more than take my payment!! VISA cards are better. You get points and I don't know about interest since I pay my bills as soon as I get them, but you have to get them to pay them... no phone call, no email... no paper bill, no nothing, just a bad credit score now.
I have never paid off things late. This has been stressing me for months. They gave me a temporary card number on a receipt. It deactivated after a week and I never received my card. I went into the store 3 times since to pay it off but they said they can't help. I've tried calling and paying but since I don't have a card it's only automated and no option to pay it without. I tried making an account online using my social or the date I started the card and both say incorrect when it shows on my credit report the date it was activated. They make it impossible for you to pay it off and it really hurts your credit score. I'm hoping I don't have to file a lawsuit but I'm pretty sure that's the only way to get out of this.
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