Consumer Complaints and Reviews
Sep 14 I used the REDcard debit. It was sent through the next day. It bounced. Since Sept 14 it has been sent through 3 more times. Even after me calling. They say I owe nothing. This has cost me so far $108.00 with my bank charges and IS STILL NOT RESOLVED. I have called and called. I was told "oh I'm sorry for your inconvenience. We will refund 1 bounce check fee." Not been done 2 wks later. And I just don't how to pay this amount they say I owe. This has been a nightmare. DO NOT GET THIS DEBIT CARD PLEASE.
We used to like shopping at Target; however, our experience with their REDcard this year left us with bitter feelings towards this corporation. We have excellent credit ratings and have never been treated so poorly by any other credit card company. They suggested we didn't know how to manage our credit. The real story was that they changed our billing to paperless without our knowledge and then when we didn't pay the bill on time they charged us late fees. They said "it wouldn't be fair to our other customers" if they reversed the charges. Their devious business practices ended up costing us an extra $60 on a $30 charge. That's the kind of savings you get at Target! We will shop elsewhere.
Due date is the 25th of the month. I paid on the Sep 28th for the following month. They credited it to the previous month and say I still owe for Oct 25th. If I did not check I would have had late charges. This scam is wrong due date 25 end of cycle. I have paid the amount off and cancelled the card. This coupled with their views on rest rooms me upset. I will not enter a Target store again and suggest you do the same.
Do not get this card, no matter how many times the Target check-out person asks! This card has the worst customer service that I have ever encountered in my life! I had 2 fraudulent charges on my account. They were happy to put a hold on it, but I have now called 5 times and am not able to have my identification "verified" by them in order to have the fraud investigated and the charges refunded. First they said that my cell phone number (which has been in my account for years, which they have actually called in the past to check on a charge) is not verified, so they can't use that to send me the verification code. They also can't use my home number, because the only way they have to do that is to use a computerized call that is blocked on my home phone. They insist that I need to remove this, but I can't get into that account to do that, and I shouldn't need to!
They suggested that I try another cell phone number, so I gave them husband's, which also "could not be verified". The representative I just spoke to told me that she was going to mark my account so that I couldn't waste any more of her or another supervisor's time, then she hung up on me! They are just avoiding refunding my fraudulent charges, which I think are the result of another breach in their system, since this card was not used any other places in the month prior to the fraud. I will never shop at Target or use this card again!
I applied for a Target Red Card Debit Card about a year ago. I used to love shopping at Target. However my recent experience has been very embarrassing for me. I spent over 1500.00 at Target two weeks ago and had never had an issue with my card prior to this. Today my card was declined at the register. I immediately called the customer service number because I was embarrassed at the register. Thanks Target. When I called I was told I had too many transactions apparently you are not allowed to shop at Target more than twice a week. Even though you have an excellent account standing. When I was told this I asked if there was a limit I was told no. Lie number one. Yet I was declined for it.
I was told I had to wait for those transactions to go through before I could use my card again. When I asked how long it would be before the transactions closed, the lady took it upon herself to close my account. Which now according to them could. It cannot be reopened unless I went to reapply. That if I reapply it would be one day processing. They lied again. After they make you waste your time reapplying it's 7-10 days for the reapplication to be processed. I truly was a shopper who loved Target. However this experience I've had with Target has been so embarrassing. Especially since I've shopped there for so long and so much I knew a lot of the customer service reps by name.
So even more embarrassing on my part. I officially from this point on will boycott Target. I write for the Orlando Sentinel and local area papers that I will gladly rehash my experience so that no customer of Target will have to go through what I did. It's really a shame when you repay your customer's loyalty the way Target has. You should be ashamed Target. You lost a great and dedicated customer. But you obviously don't care about how your customers feel. That was made very clear to me today.
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My name is Leann and I currently got a REDcard from Target in Stockton, Ca. I thought it would be a good way to start off my credit with target. Well I was wrong. The first day I got the redcard they said I wouldn't be able to use it and then I only put a $100 credit on a laptop and I paid it off. Seeing that I had no more payments I tried to get $200 worth of credit to get a ps4 but they said I had no more credit. In order to buy anything else it had to be cash.
So I called later that night and they said I owed $108.70. Okay where did all this money owed came from?? They say I got the redcard, they told me I would be able to use it and I bought a $50 dollar dresser and paid in full. Good thing I use my card & they used my card without permission or my knowledge to charge me twice. Now I have to waste more money to fax my bank statements and spend more money over this **. I swear to god I can't wait for everyone to realize this company is a piece of ** and they deserve the worst coming towards them!
Look, here are the facts: Target's Red Card system is run through TD Bank, which is a Canadian Bank that is almost awful. The most selfish, rudest, and fraudulent bank whose only goal is to steal from their own customers. The Interest Rate on Red Card is above 23% for only a 5% savings on your purchases. This is a bad idea, don't recommend, especially since TD Bank is the biggest joke bank and cannot answer for their devilish methods. Stick to real banks like BoA and do not get the card.
In the beginning of Sept I get a decline on my Red card at target and immediately call the target redcard phone line. I was told that in March, I was mailed out a new card with a chip in it. I didn't get that letter. Anyways I ask for a new card to be sent to me. With a signature required, the card gets shipped to my workplace. I call in to authorize the card, I can't.
Rep 1 is telling me that she has to transfer my call. The line disconnects. Back on the phone line and I get transferred to rep 3. I get told by rep 3 that he can't send me a text verification code because my number isn't updated. What?! I called target the month before to update my information since I changed my phone number... I guess that didn't get done. Nor did it get done the time I verified my info when I requested a new card to get ship to me. Anyways I ask for a manager. 30 minutes go by and I get transferred to a Manager (Here's rep 4) that asks me to fax in my social security card as well as my ID. I respectfully decline. No I'm not faxing in my social! Target, are you going crazy??? After declining, he recaps to says that procedure is one of two things... I need to fax in my stuff or I basically can't use my credit card. I've made the decision to close my acct.
I opened a Target store card June 2016 at the register after refusing but the cashier going on and on to make the commission. I finally caved and it has been the worst nightmare since. I have several store credit accounts and regular credit accounts, am ALWAYS religiously on time with payments and making payments even when I don't have to so I can get ahead. Never ever a problem until Target. I opened the acct in June, making a $40 dollar purchase of toys for my boys. As soon as I received the card in the mail, I registered the card, opened an online account and made the payment.
A few weeks later, I go to check on the account as I do look over all my acct every so often, even if I know I haven't had any activity. Fraud happens all the time and I try to be sure on top of that. I find that I was charged a late fee and now my balance is $60 something. I call, speak to rep, they say it looks like I attempted to pay but then canceled the payment. I say ok, maybe... just MAYBE, I truly did make the mistake of hitting cancel instead of submit when paying the bill. So I ate it... and paid the amount with late fee. System says thank you for payment, I move on. I check the acct again in a few days giving it time to post the payment... and sure enough, account says payment posted. TO THIS DAY IT SAYS PAYMENT POSTED.
I get a bill in the mail 3 weeks later charging me for the initial purchase and late fee I just paid, plus another late fee for nonpayment and a bank return fee. What? I try calling, Rep is rude and dumb. Can't figure out what's going on, I ask to speak to a supervisor. I'm told she made the note for one to call me back. I never got a call. I called again to try to resolve and again rep can't do anything putting in request for supervisor callback... No supervisor calls. All in all, I spoke to a rep who could not help me in any way other try to take money that I did not owe, at least 5 times. No supervisor ever called back.
I had a bill due yesterday, I tried to talk to someone again... no luck. Of course now it's late again... I get a call from Target card services on an attempt to collect a debt today! So you can call me the day after a bill is due to collect the additional late fee you're charging me and not willing to take off, but a supervisor can't make 1 call over the last week months!?!? Absurd!!! What has me pissed off even more is that they are reflecting this as negative activity on my credit report! Their negligence and lack of follow through is now my negative activity!? I can't even begin to explain how frustrated and livid I am. But you know what, karma will come back to bite them.
Having a Target card is the biggest regret and headache and I no longer shop there. When I signed up to pay online they stopped sending me statements. I tried to set up autopay but the system did not allow it so I called customer service. The lady on the phone does not understand me because of a language issue on her part. I try to cancel my card and she is not happy about what I had to say about Target. Nothing accomplished!! After several phone calls and late fees I finally find out I have to click on minimum payment in order to set up autopay... Target makes it hard and tricky to set this up. I truly feel they trick you because they are so greedy for the late fee. They should be shut down!!
Target has the poorest customer service, website and fees of all of my credit cards. I have great credit and set up autopay for all of my credit cards. When changing banks, I updated my bank information however there was a apparently obscure link to use that same account info for autopay so I was assess a fee when I discovered I missed a payment. Despite being a customer for 6 years and following the asinine customer service procedure of having a supervisor call me back (they will only call once at any time of the day/night and if you miss the call, they will not try again and you'll need to repeat the original process) they would not refund the fee. Now they lost a high earning customer who is glad Target is going out of business due to Amazon!
I have been shopping at Target for approximately 15 years and love it. In May 2015, I opened a REDcard credit (there's three types of cards they offer). I made payments on time and life was grand. In May 2016, I joined bank accounts with my new husband and canceled my own. I immediately called to notify Target and update the new account info for the following bills. All seemed well. Late June, my payment did not go through, and I only noticed when reviewing my bank account activity without the usual Target transaction. I call and the rep I speak with says the payment was returned, removes the late fee, inputs the bank account info again and resubmits the payment. Great.
Late July, same situation. Payment returned, I call, fees removed, bank information resubmitted a third time. Throughout this ordeal, Target never emailed me once to let me know these payments are being returned or confirm the "corrections" have been made with a follow up email after phone conversations. On August 14th, my card gets declined for a fourteen dollar purchase. I'm Leaving that night to be out of town for a week, so I'll call when I get back. August 26th, my payment finally goes through as I see it in my bank account!! Wonderful! I can't believe I made 3 phone calls to avoid ME entering the new bank info wrong only to have them screw up and entering the info myself is what saves me!!
August 29th, my card gets declined. I call and the rep I speak with says the payment may take 24-48 hours after it's posted. I argue a bit because it was posted on the 24th and withdrawn the 26th, but on the 29th, I have to wait two MORE days to use my card? He says "yes, have a good day." September 1st, I receive two letters in my mail from Target. The first dated August 24th says my account has been closed due to too many returned payments. The second dated August 25th says "please contact us about your account status." If they actually made that decision on to close my account after not paying August, wait until after you actually attempt to process August's payment!! AND why would the man I spoke with on August 29th not tell me that my account is closed if they closed it on or before August 24th??!
Today, September 3rd, I called to confirm my closed account and explain the situation and my confusion with how their repeated mistakes have left me without an account. I was transferred twice and on hold three times for a total of 11 minutes. At the end of me explaining what THEY have done to put ME in this situation, the rep says "well ma'am I don't understand but you can always open another account." I was furious. How do they not keep record of phone conversations and when they interacted with their customers? How can they admit responsibility for updating incorrect information by waiving a late fee TWICE, but dismiss my own attempt after?? I'm beyond disappointed with Target. After their security breach, I should have known better than to open an account. Can anyone tell me if this will affect my credit score (I had the REDcard credit NOT the REDcard MasterCard)?
The 5% off is nice, but it's probably the worst store credit card in existence. Mine no longer even works, and I'm not sure when the new one will come. It may have originally been a technical issue, but now it looks like they just deactivated the thing before sending me my new one. The website says that old cards stay active until the new one is activated. Yeah right.
I have been a loyal Target customer for 10 years. In 2013, I signed up and became a Red Card holder. A year ago, I added another bank account info to my online account to use for payments. The website does not reveal the info once you input it. I only used it for a payment or two. But a whole year, Target insists that whenever I utilize my original bank info (the same one I have been using since 2013), it has insufficient funds.
After 12 months of going back and forth, having their reps do a 3 way call with my bank to verify and even disputing payments that Target reps have consented on my behalf and a load of other mishaps, they decided to close my account, charge me for late fees and penalties, and insist that I need to make a payment. According to Target, I am 30 days late, and if I want to reopen the account, I need to reapply. I will NEVER own a Target Red Card again. Card and company is a totally mess. Useless card. Incompetent reps, who automatically accuse you of wrongdoing, and it is never Target's fault.
I was late one day paying my credit card. Target charged me a late fee of $60.00. According to the law passed in 2009, late fees can not exceed $25.00. I do not think 1 day late should receive this high late fee.
I recently had some fraudulent activity on my Target REDcard and when I called to report it not only was I transferred multiple times but I was basically treated like a criminal and a liar. The first rep that "helped" me told me that it wasn't possible that my card was used without my knowledge since a pin is needed which isn't by the way. This is so sad because I love Target. It's one of my favorite stores to shop. However, I might have to cancel my card and account with them to prevent this in the future. If I could give Target online customer services zero stars I would.
My name is Jose, I just canceled my red credit card from target. They are thieves, they did not send the statements that were suppose to send. After three month they send an email telling I have to pay penalties for not doing the payments on time. I called today and they said they sent, but just lies, I receive almost everyday news about clearance and sales from target, but not any statements or alerts. I recommend to everyone to be aware of these thieves.
I received an email from Target saying I was late on a payment. I did not receive an email saying a payment was due. I called Target Red Card and told them I never received the payment due email and she removed the $25 late fee and $1.96 interest charge as a "courtesy." She said it was my responsibility to remember my due date. "Remember your due date is the 19th of every month." So, Target can send me an email saying my payment is 3 days late but they can't send me an automatic email saying my payment is due? I don't believe in doing business with companies that run this way. After I paid the bill in full I told her I had one more transaction to do and that is to close the account. She asked me "Why?" I said, "Because of the conversation we're having." She said that was not a good reason and I could go back to paper statements. Is it me or has the whole world gone nuts in their reasoning ability?
I received my Target REDcard in January 2016. Knowing I had a balance I had issues accessing my account online. I contacted Target, got it fixed and paid the bill. At this time we discussed the fact that I did not receive a bill and the representative said they had the issue resolved. I used the card shortly after and immediately got online and paid the bill through my online banking. I did not use the card again for several months (4/9/2016) and when I did it was a small amount under $50. At this point I still had not received any sort of bill from Target REDcard. I forgot that I had used the card and did not receive any bills (nor attempt to use the card) through the months of April, May or June.
On July 13, 2016 I received a collection notice in the amount of $108.77 stating I was overdue. Confused I called and was told if I paid the bill in full once the account was current they would work with me to remove the late fees as I didn't receive ANY bill reminders nor did I use the card during this time. On July 25, 2016 I called and was informed since I had already paid the bill they would not remove any fees or remove the mark on my credit report. I explained the situation but was informed that they had sent electronic bills to my email address and it wasn't their fault I didn't receive them.
A quick Google search shows this is a common problem with Target and they should be held accountable for charging fees to people without notifying them they have a balance. Had this been a one month issue I would be more understanding but as the bill progressed for months without notification while they continued to increase my balance is unacceptable. My credit score is over 800 and I can prove I do not let bills slide. They on the other hand have numerous complaints regarding this issue. I have closed my account and will not do business with Target again.
Just closed my Target card. I hardly ever used it; I was on autopay, and I forgot to update my bank info when my connected bank account closed. I had $27 balance on the card that I was sure got paid. Since I haven't used the card in months, paying cash instead, I didn't think to check my balance. They emailed me this morning to "collect a debt" of $127. I called them to see what was going on. $27 in purchases and $100 in late fees. They wouldn't take any penalties off. I paid them and closed my card, with them informing me that IF I closed it I'd NEVER be able to re-open it. They also ruined my otherwise excellent credit. Thanks Target! Enjoy the $100 you stole from me. That will be the last of my money you'll see. Hope you go bankrupt soon.
Paid online. Didn't post. Said it did. They had no explanation why!!! 60 dollar item cost $200+. Called in first time paid original amount. Told resolved. Continued to charge $30 per month! Beware. Terrible customer service!!! False info.
Last month (June) I made an e-payment and it came back as returned. I put in my account number wrong apparently by ONE NUMBER. I got charged a $25 return check fee and they reversed it. This month (July) I made an e-payment again and I CHANGED the ONE NUMBER. The website kept the wrong number and my payment never got deducted. I called because the payment was never deducted from my checking and the payment was then taken over the phone.
I have had this card for almost one year and I have never been late with a payment, always EARLY and always more than the minimum amount due. They cancelled my card due to 2 returned payments!! ONE my error and the second one THE RED CARD PAYMENT SITE ERROR!! I have called customer service twice and I have spoke with "supervisors" who tell me "the card has been cancelled and cannot be reinstated". This is such CRAP!!! I AM PISSED!!!
The fiasco with the Target Red Credit Card started in the checkout lane when I applied for it. I was denied, despite having a FICO of 830+. Didn't get the savings on the order and was embarrassed. Lo and behold the credit card arrives weeks in later in the mail. Glutton for punishment, I used the card and signed up for electronic billing statements like I have used with my Discover Card without problems for years. The second billing statement was due, guess what, no reminder e-mail that the bill was ready. Found out when my card was declined at the cash register. Called them, the first overseas rep insisted it could not have happened because it was an "automated" process. Called back and asked for USA, the guy I talked to apologized and credited the late fees.
Recently I got a letter saying that my card was being turned off because I would be getting a new "chip" card. Guess what, I never got a new chip card, so I have no card. Done with the "Red Card" and Target in general. I now shop Wal-Mart after 30 years of being a loyal Target customer. If Target is going to associate themselves with a credit card, it needs to be a better run operation than this.
I got an approval email about 3 weeks ago stating my card should arrive 7-10 days. It never did. Target has a history of breaching customer data. So I'm worrying about my personal info and my financial info would be used somewhere else. They don't have a phone line set up for anyone didn't receive the card. When I called them yesterday, the machine kept asking me to enter my card number. I didn't have an actual card with me. How would I know my card number? It wouldn't allow me to go further without a card number. It is a very dump design/system. After I read all the fine print, the only way to contact them is through mail. Come on Target, please move to the 21st century. I want to contact their people at least through email. Even though you're red, it doesn't mean you can go green by saving some papers.
I want everyone to be aware of the red card. I have used this card for over 3 years, never late and sometimes paid over the amount due. I was late and never realized it - I was not contacted in any form. I found out when going to purchase a home that my credit dropped because I was 31 days late on a target card. I called them to have it removed as a courtesy. They said nope, once 31 days past due it's on the Credit for 12 months. I said I was never contacted. It was even 1-30 days late and they said still nothing they can do.
I will no longer use this card and will probably just talk bad about them from now on, they were not even willing to try to help or anything. I have always enjoyed Target but now I am not even sure they will get my business anymore. I am sad as now I may have to wait another year before I decide to buy a home because of the interest rate difference. Thank you Target for making my dreams come true. I hope you are happy with the way you treat your customers.
I did not need another credit card and always turn them down. Even when they ask THREE times in one sales transaction. Anyway, this day I forgot my wallet. It's a common occurrence, but luckily I had it in the car so I ran out and got it. The cashier told me that if I had the Red Card I could use the Target App and I could pay at the register with it. I have Apple Pay but they don't accept any of that nor like Starbucks have their own payment method. I asked for clarification and she explained it again. So I got the card but she lied. When I called they told me I could use Apple Pay but this was wrong too. Finally I was able to cancel my card. They should not lie just to get a gift card for making a customer open a new account.
Ok I am so irritated with Target and their so-called policy. I paid off my balance of $35.00 in April by phone talking to a real person on the phone. Apparently my payment for my $35.00 was 3 days late but nothing was mentioned about a $25.00 late fee which I would gladly have paid at the time. So now I feel that my account is paid in full so I disregard any monthly statements thinking they were coupons, advertisements, whatever until this month I am like, "why do I keep getting these?" So I open it up and have a $89.00 balance that is past due.
So I call and they explain to me that I am being charged a late fee for my late fee back in April. What? Well why didn't they tell me at the time that I was late and I would have paid it then but for now I am willing to pay the $25.00 late fee for April if they drop the other charges. No no no. Their policy is after 31 days they can't reverse the late fee. Are you kidding me? How deceitful and irritating!
So unless I pay the total of $89.14 I will continue to be charged a late fee each month for the next 9 months and at that time they turn it over to an outside agency. Wow wow wow. What horrendous customer service!!! So unless I pay the 89.14 (that by the way is for 3 months). So by the end of the year I will have over $300.00 to pay. Isn't there someone or something anyone can do about this? I am seriously unhappy about this situation.
I opened up a Target red card after a sales pitch of getting a big discount off my Christmas shopping purchase. Biggest mistake I have made since I hadn't done my research. The interest rates and fees are steep and customer service is horrible! I spent $300 this past January and paid the whole sum within a month. However there was a returned check and my account began accumulating fees unknowingly. Target did not notify me of this returned check situation and once I noticed it was because my credit score had taken a huge hit! Not only was Target unprofessional on not notifying me but extremely rude when I called to explain the situation. Over $110 of fees and interest had been accumulated over a simple $300 purchase. I paid the whole amount again as soon as I realized this but no apologies or consideration was taken.
I have had a Target CC since 2003. I just received a call from a debt collection company saying I owed them nearly $300. According to them I had a $47 balance on my Target card in April of 2015 that I had not paid. I have a very high credit score and pay my bills on time. I said I moved at the end of June but had never received a bill while living at my old address from April to June, nor had I received any forwarded mail from Target since then. I then called Target and was told I should know if I had a balance and I should have called them. They couldn't seem to understand that I can't pay a balance if I don't get a bill. When I got no bills I assumed I had a $0 balance. I usually pay cash so I haven't used my card in over a year. I have always liked shopping at Target but that ends today.
I recently obtained a Target Debit Card in-store by supplying a blank check to tie it to my bank account. Weeks later, my wallet was stolen, which contained the Target Debit Card. I called my bank and Credit Union to obtain replacement cards and was asked security questions, which I answered correctly, so they mailed out my replacement cards. I called Target and was given a big hassle.
First off, when I had set up the account, they wanted a physical, as well as mailing address. So I gave both of those addresses. When I called for the replacement, I was told that I provided an incorrect address (mailing). I told the rep this has been my mailing address for several years and had been on my application. He just wanted to argue with me. I also answered even more security questions than my banks had asked. Then he told me I would need to fax in my driver's license and social security cards to verify my ID. I refused, saying I did not want my ID available to be misused. He took verbal offense at that, saying that would never happen. I again refused and asked why they had security questions if they did not want to accept the correct answers. He told me I could not get a replacement card without supplying the info by fax.
So I decided to go into the store to see what I could do. After all, when setting up the account, it was extremely easy and nobody seemed too worried that I was who I said I was. The rep was very nice after I explained my problem, and she thought that starting over with a new application would be the way to go. So she filled one out, and days later, I received a letter of denial saying I could not have a new account because I already had an account.
I again called on the issue. I asked them to close the account and was told they could not close the account. I explained again about having my wallet stolen and wanting either a replacement card or a new account card. I was told again that I would need to fax in my ID. I told them I would be happy to provide the ID for someone at the store customer service to look at, but would not provide anyone with copies. At this point, it looks like I will not be getting either a replacement card or a new account with Target. Bummer. I liked the 5% discount and free online shipping. So ridiculous. My banks required less verification than Target did to get replacements.
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