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"How a $1.15 error cost one Target store over $8000 a year in sales?"
Posted by Wave877 on 08/16/2012
MINNEAPOLIS, MINNESOTA -- A difference without distinction! That's what you'll run into if you ever have a problem with Target's branded charge card. Several weeks ago I received a letter from Target. It stated that my Red Card account had been incorrectly credited approximately $50 due to some unexplained internal error. Fine, except on the next month's statement there was an interest charge of $1.15 for my "borrowing" that $50 while it was showing as a credit in my account. So now I have to take time out of my busy day to get this cleared up. Not only didn't I want to pay the interest charge, but with so much identity theft going on I wanted a true explanation as to what prompted Red Card to credit my account in the first place and then charge me a fee for it. Here's what I did and what I want to share about Target and the Red Card-

1: The Call Center is way off shore. By that I mean I couldn't cut through the CSR's accent and I don't believe she could understand me..not to mention the static and poor sound quality on the cheap VOIP lines.

2: After 3 disconnects and over 2 hours I got my $1.15 back. However I felt I was scolded for this being my fault. CSR said if I hadn't requested the original credit this would have never happened and Red Card was doing me a favor by letting me off the hook. Remember, I never requested the credit in the first place and had received a letter of apology from Target alerting me to their error and apologizing for the mistake. After my scolding, I became even more concerned about identity theft and requested an explanation and details surrounding that mysterious credit. I was told only one person in the universe could answer that question: Jay. I asked to be transferred to Jay and got his voice mail. I left my daytime number and my cell phone number, but Jay only called back my daytime number at 7pm and left me a voice mail and a return number to call him back. In his message he also scolded me for not leaving my home number so he could cross reference my account info before he called. When I returned the call to his direct line, guess what? Back to square one. I got another low level CSR who wanted to start at the beginning again before transferring me to Jay. Nonsense. I hung up.

3. I called my Target store to discuss with manager on duty. She said she would research and get back to me.

4. Three days later no response so I stopped by store. Manager said she had been off on scheduled break and left note for another manager.. so nothing had been done. She would get right on it.

5 Later Manager notifies me Target Red Card is a different company from Target Retail and there is nothing they can do to help me find out what happened. They cannot even request a person with authority at Red Card contact me. Not the same company??? Wait a minute. They're the same company to me. What are they doing to distinguish themselves as different entities. The Target cashiers are the ones who pushed the card on me every time I checked-out, they have their name & logo on the card, and the call center answers phone as Target. Surely Red Card adds a little something to Target's bottom line.

Not believing what I was hearing I crafted the following email and sent to admin@Target.com;customerservice@Target.com, webmaster@Target.com and a few other email addresses I guessed at.

*** "How can a $1.15 error cost one Target store over $8000 a year in sales?" ***

$8000 is approx how much my household spent at our local Target pharmacy last year. That doesn't include the tens of thousands we've spent on RX over the past several years. Nor does it include all the toys, bicycles, groceries, home goods, cleaning supplies, toiletries, etc we've purchased. Every bit of that business is about to depart forever... all because of a buck and some change. Your store manager says she is helpless to resolve my issue. Call me if you're interested in discussing retaining my business or even if you're just curious. Or you can simply wait until I share my experience on the internet.


I can't say I was too surprised but the Next Day I heard from Peggy. (email through this post if you want her #)I had to call her back so the number was good. She told me she was not in customer service but actually in the corporate office.

But Peggy only repeated what the manager had told me. Credit Card and Target are separate entities. If I wanted answers I was on my own. I requested that she have someone from Red Card call me since I did not want to start with a low level CSR again. Nope. Please call that same number (you've already spent hours getting the run around on). You would think even if Red Card was another company, Mr (Just google Target CEO) [snip] or his board might have some clout to push Red Card to contact me. But Peggy and CEO Bob decided to stand their ground without escalating my issue. So me, my cash and my insurance walked with our $8000 of business. So beware. Don't sign up for or use the Red Card. When this unknown Credit Card company makes an error on your statement, or if you suspect identity theft, you are on your own. You are at the mercy of some offshore CSR whose Americanized name will be Mary or Eric but will barely speak or understand English.

I guess $8000 wouldn't mean much to CEO who Forbes reported made $39.63 million last year. But ask the part-time pharm tech how many hours she'll be cut back due to the loss of revenue at her pharmacy. (She told me her hours were based on # of scripts filled. Our 10 RX per month would be tough to replace and she expected to be cut back) I wonder how many retailers would chomp at the bit to acquire an $8000/yr account. Not Target. They are having a record year. The board will be too busy deciding how many bonuses to pay themselves and how much more they can charge their employees for those official red shirts they're required to wear.
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Posted by ChuhBaca on 2012-08-16:
To the OP, good for you! Target is quick to dismiss and issues brought to their attention by a customer. They really just want you to shut up and give them your money.

I also understand that their store card is run by a 3rd party; but this third party is using their name and logo! This card is part of the customer's experience with Target. Target has an obligation to make sure that anyone representing them, is taking care of Target customers. In this case, it seems that the third party is giving you the classic Target treatment.
Posted by trmn8r on 2012-08-16:
I personally would have persisted at the Target Red Card telephone numbers. To exert leverage, I would concentrate not on my yearly expenditures at the Target pharmacy, but the amount I charged each month on the Red Card.

My guess is if you pursued this further, they may have said "we messed up - it has been corrected." Lacking that, you appear to be on the cusp of doing a bit of work to shift to a new store, though you did get the $1.15. back
Posted by jktshff1 on 2012-08-16:
One of the best, well written reviews I've seen here
Posted by Cwazychicken on 2012-08-16:
Im sick of being asked to sign up for a target red card every time i shop there....every store does this. So in my opinion, if a card like this fails to make me happy, i would also put some blame on the company and not want to shop there...even if its not all their fault.
Posted by JISCal2 on 2012-08-16:
The crap Target puts people through whether its the Red Card or just general customer service is summed up nicely in this review. They are the most unhelpful business I have ever encountered. Excuse my language but they run a business as if their pooh smelled like roses and to he11 with anyone who anyone who disagrees with them.

Pass the buck and you don't matter to us must be their mission statement.
Posted by madconsumer on 2012-08-16:
very helpful comment jis-cal2!!
Posted by copper_works_ on 2012-08-16:
Seriously! Could they fly under the Target banner anymore then they do?



Posted by wave877 on 2012-08-17:
Author Feedback:
To FoDaddy19: "Almost always" kind of leaves the door open. Perhaps I wasn't fully clear. My issue is that Target (the retailer) offered no assistance in helping me resolve my concerns with their licensee. Did not Target make the executive decision to partner with this entity? They should be able to pick up the phone and get their associates on a case. As the owner of 2 businesses, if one of my contractors mistreated one of my customers and jeopardized my business relationship I would be on the phone in an instant and suggest my partner follow up and make it right...especially if my name were on their service. But I'm sure the board has made the decison that the profit from Red Card far outweighs any customers' issues. I didn't put every detail in the article. Already way too long to begin with. But I was transferred or placed on hold twice with the credit card company and both times the calls were disconnected. Each time I called, I had to start over. They were rude and seemed to deliberately avoid addressing or escalating my issue. I invested more time than I should have or perhaps even you would have. That's when I turned to the local store. All Target had to do was get someone from Red Card to call me and explain when and why the original credit was posted to my account. Not sure why they chose to let me walk. Lost revenue, but now I see at least 300 people have viewed this article on this site alone so far. It's been/being posted elsewhere as well.
Posted by JISCal2 on 2012-08-17:
$1.15 would change my shopping patters. Would it stop at $1.15 or would it continue until Target knows how far they can push a customer? Even then, they don't stop!

The mentality at Target is anti-consumer, period. This is demonstrated by their cusotmer service team, the fact that district managers refuse to take a call from a customer when the issue cannot be resolved at the store level and the indifference shown by managers in the store.
Posted by FoDaddy19 on 2012-08-17:
To wave877: I use the phrase "Almost always" because few things are absolutes, but in this case it's so common for the company and bank to be separate that the majority of the time it's safe to assume that the both companies are separate entities. Though as copper_works posted, in your specific case The red card is indeed run by a Target-owned company. But in most cases that's not the case; Lowes, Home Depot, Best Buy, Walmart, Kohls, Macy's, and Sears for example all have branded credit cards that are issued by third party banks.
Posted by 8lackie on 2012-09-10:
Target you've been warned. It is this kind of response to your customer-base that will send me to your competitors
Posted by Colleen on 2012-09-10:
I sent my story into My 3 Cents about a 6 month fiasco I endured in trying to reclaim the $ they owed me for an order that didn't arrive, then did arrive but too late. OP is stating 110% truth about the overseas CSRs and American management. I was never so frustrated in my life. I had more than $300.00 to get back and I wasn't sure if I'd ever get thru to the authorized person that I needed that money, PERIOD! I got a $10.00 gift card for the hassle but my money took the full 14 days (not including the months of hassle it caused.) I will NEVER step foot into Target or shop online with them EVER AGAIN.
Posted by Lane on 2012-09-10:
Thank for this eye opening review.
I have heard how they treat assist. managers, real bad. So, I will move my buying to some other store.
Thanks again.
Posted by jpr_jpr on 2012-09-10:
If you happened to miss that the $50 credit was not due to any payment you made, and thought the balance shown was accurate and paid it "in full" you would actually have been $50 short. If they then recaptured the false $50 credit, you would have missed your due date for actual amount due and would have been charged a $35 late fee, and seen a big jump in your interest rate. That is a lot more than a $1.50 charge. Makes me think that the $50 credit was NO error.
Posted by A.J. Rome on 2012-09-11:
The N.A. stands for National Association. They are regulated by a Federal bank regulator (OCC or OTC). They have websites and they MUST be registered with one of them - then you will find their address, etc. Don't let the slime get through your fisted fingers! Write their federal regulator and complain 'till it hurts - THEM.
Posted by Chrissiann on 2012-09-11:
Thank you I will make sure to never fool with that red card!
Posted by Debbie on 2012-09-11:
I used to shop at Target for school supplies. I noticed that aside from nice specials for Back-to-School, the prices are not so special. I stopped getting kids clothes there and finally stopped shopping there. No loss!

Try COSTCO for a pharmacy. The prices are great. It is worth the membership.
Posted by GrammaL on 2012-09-12:
Wave877-This is a really great review-concise and well-written. Would you go over to Consumerist.com and tell this story? It is another consumer site, and this information needs to get to as many people as possible. Consider it you good deed for the month!!
Posted by wave877 on 2012-09-14:
Wow...It's been about 3 weeks since I checked in.The resonse has been fantastic. First I want to thank everyone that's left a comment. I'm amazed at the support. Even the ones written siding with Target. Special thanks to My3Cents for providing the venue. Looks like my Target Red Card experience has cost Target more than just my $8K This article has 791 hits as of tonight. Plus I have posted elsewhere. And Grammal, I will look at Consumerist plus any others anybody can suggest. What I'd really like to do is is try to get my story published in one of the retail trade journals, perhaps under the heading of notable blunders of 2012. I just want to take a few moments to clear up a few things so folks don't go off onto too many tagents and overlook the real issue which is off course Target wants to have an inhouse charge card yet wants to distance themselves from any of the obligations, QA or customer service resonsibilities. First clarification, I recieved a bill from Target Red Card for about $50. I'm not one to reconcile my statements often, especially on a charge card that only has one store's purchases listed. That statement did not show a credit or a return. Even if I had reconciled and reliazed the statement was missing about $30 in charges for the month, I would have simply assumed that $30 missed the cycle and would be on the next bill. I paid 100% of the balance due on the Red Card. So there was no late fee because I paid on time and it was above the minimum payment due(I thought 100%). After making the payment, I received the letter that Target had erronously credited me or left off $30. When I got the next bill, that $30 showed up as due, plus my new purchases plus the interest on that phantom $30. The next item I should clarify is the $8000. This is how much Target shows on the recepts for scripts for our family including a special needs child. However, my insurance covers the lion's share of this. The insurance company reimburses Target directly for more than half. Only about a third of this amount would have gone on the Red Card. Plus I didn't always use my Red Card. I prefer my MasterCard rewards over the Target incentives. Anyway, the total loss to Target (the store) was $8000. The total loss to Target (the charge card company) was probably under $4000. So maybe this wasn't quite painful enough for Red Card to respond. Perhaps all the more reason the store should be looking out for their own interest more deligently (if you still accept the premise Target Card and Target Store are autonimous). Finally, the prescription prices are negotiated rates from the insurance company. So the prices are pretty similar wherever I decide to shop. But I owe Target some thanks. There was a Walgreens nearby willing to pay me $25 to transfer my scripts to them. They also offered another $25 for my wife to do the same (look for details om their website). Furthermore Walgreens offers a lot better service. Their technology is amazing. I can go online to reorder, to review my account and they text me when my order is ready. The quality may even be better. I asked Walgreens why one of my generics was about $2 more than what I had paid at Target, The pharmacist said they won't use some of the maufacturers Target buys from. Hmmmm. And Walgreens pharmacy opens 2 hours earlier and stays open 3 hours later-- much more convenient. Service & price. What a concept. No wonder Target is having record profits. Cutting corners on service, hours and maybe even quality of medication. Anyway, leave message for me if you need info including phone number to Target Corporate
Posted by Secret Squirrel on 2012-10-18:
I just wanted to mention that I have a part-time job as a cashier at Target, and they managers and supervisors started giving me "talks" to literally push Red Cards onto customers. This started 4 days from my initial start date. They were more interested in having cashiers push their Red Cards than they were in the cashiers actually knowing their job well and being able to handle everyday errors (wrong price comes up, no SKU#). If you didn't get at least one person to sign up every shift, you got more talks and were treated very poorly. I had always thought of Target as the anti-Walmart, but they treat their lowly grunt workers very poorly. Just posted you so you'd understand why the cashiers are so obnoxious about pushing those RedCards on you - their job depends on it.
Posted by wave877 on 2012-11-05:
Thanks S. Squirrel. This explains a lot.

Funny how Target claims RedCard is a separate company especially when Target just sold off it's credit card portfolio to a Foreign Bank with the exception of Red Card as reported by several media outlets. Seems Target's income from their credit card portfolio dropped more than 5% last year. They have no problem telling customers RedCard is a separate company...but how can you decide not to sell a company if you don't own at least a portion. It appears honesty is not Target's creed unless it benefits them.

OFFSHORE CALL CENTER, FOREIGN BANK. What's next, offshore sweatshops? Wait, wait, I just Googled "Target sweat shops" and seems they already have that base covered. In fact not so long ago 28 workers making clothes for Target were killed in a massive fire at a sweatshop in Bangladesh. Some were burned to death, some suffocated to death, some jumped to their death, and hundreds more were seriously injured. Perhaps more than a few were just children.

Update: Now over 1000+ readers have reviewed this article. Plus comments have been posted revealing even more of Targets dirty little secrets. Good going Target, considering all I originally wanted was to have a representative contact me to explain why my account was overcharged (since my calls to RedCard came up empty).

Per my earlier post, life without Target Pharmacy has been good to me. Better service and gift cards from Walgreens Pharmacy. And for other purchases, I can't believe how much better Walmart's prices are. At least 5% in my town plus I get to use any credit card I desire.
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Closure of Target Visa Card.
Posted by Bidexpress on 08/12/2006
CALIFORNIA -- I have had a Target Visa card for over ten years. I have never been late with any payments. Recently, Target closed this account. Subsequently, I received a letter from Target National Bank and Target Financial Services stating that the closure of this account was done pursuant to my request. Only problem with this letter was that I never requested closure of my Target Visa account. When I attempted to complaint to a senior executive with Target,my phone call was transferred to a guest relations supervisor. This supersior told me that since my account has not been used in a while, it was closed due to inactivity. In response to my request to re-open the closed account, she stated that I should re-apply for a new card. I did not wish to apply for a new card as this would result in a hard credit inquiry which would adversely affect my credit scores. Hence, I requested that they review my credit file under the old account without affecting my scores. I was told that she was unable to honor my request because she could not directly reach the Target Visa department. Evidently, Target's guest relations members are incapable of reaching other departments. THIS IS THE WORST CUSTOMER SERVICE EXPERIENCE I HAVE ENCOUNTERED IN LONG WHILE. EXECUTIVES OF TARGET ARE EQUALLY DERILICT FOR ALLOWING THIS TYPE CONDUCT.
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Posted by misterd on 2006-08-15:
Banks will close an account due to inactivity because believe it or not it actually costs the bank money to maintain an account. Reapplying for the card can simply be done in person at the store and the great news is that you will receive a 10% discount on that days purchases. The hit on your credit report is incosequntial unless you are applying for multiple lines of credit at the same time. I also had this happen with an ASPIRE credit card that I used once a year for vacation. My vacation expenses ran $3,000.00 to $5,000.00 per year. The drawback for the credit card company is that I paid it off immediately upon receipt of their bill. Their take was 1% of the expenditure paid by the retailers. They made the mistake of closing the account 1 week prior to my planned vacation. So I just used another credit card. They also encouraged me to reapply. I was laughing to myself at this suggestion and said your loss not mine. Of course I tell the clerk right up front to not take my comments personally but to please pass them along to their management team. Take it in stride since their are so many other credit choices available out there. To boost your credit score, you should use all of your cards and just pay the balances off each month. I have my AOL go to one and my PSEG bill charge to another. Then I just pay the bills each month and earn my cash back awards each year.
Posted by bidexpress on 2006-08-16:
Target can close an account due to inactivity. However, what Target Visa, part of Target National Bank, did is closed my account and falsely stated in a letter that the closure was done pursuant to my request. Useing inacurate or blatently false reason to close an account is unfair and may be unlawful. I did file a complaint with Comptroller of the Currency, Department of US Treasury. OCC's has a toll-free number to file complaints against national banks. Their toll-free number is 1-800-613-6743, Monday - Thursday, 9:00a.m. to 4:00p.m., Central Time, and on Friday, from 9 a.m. to 3 p.m. Central Time or by sending an email to Customer.Assistance@occ.treas.gov.
I hope this helps.
Posted by cheech1425 on 2007-08-02:
I was in line today 8/02/07 at target and was using my target visa now i didnt even realize that 2 yrs have passed since i used my card so in front of eveyone i was declined i found out it was due to inactivity what BS they want our $$ so bad and i was so embarassed they didnt even have the courtsey to send me a letter telling me. the customer service phone man was so stupid who reads the ultra fine print i am now going to call all my customer service numbers on my cards and make sure i have accounts since i bought my house 2 years ago i had paid off all my cards and have been very careful not to rack up debt. now i am not sure i have any cards anymore. just a heads up target isnt the only card that does this B of Am did the same thing and said it was due to customers request. sad state of affairs
Posted by Nancy on 2013-08-01:
That happened because they are discontinuing Target Visa card and only having Target debit or credit. I cancelled my card because someone got my target number from an online order. I tred to reapply and they told me no new applicants. I did not consider myself a new applicant. I had the card for 10 years never a late charge and paid my balance monthly. I go to Walmart I may be only one person, but they will have a Loss.
Posted by Michael on 2013-12-01:
Same thing happened to me. Had 0 balance and have not used card for 12 months. Pulled it our today and was declined. Had a 12k credit limit and o balance. Called number on card and was told closed due to inactivity. No trying to help or resolve just told me I can re-apply. Lucky I had my AMEX on me. I will never shop at Target again.
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Decreasing credit lines
Posted by Whoodie on 03/11/2006
In the past two years, Target National Bank has decreased my credit line twice and has now raised my interest rate twice without notice. My credit is not the best but is also not the worst and I had been faithful with my payments to them. It turns out that they do random credit checks on you and if you are delinquent in any other credit agreement in any way,(in my case, medical bills) they can do this without notifying you. I didn't even know that they could do a credit check on you with out your permission. It has been so long since I first applied for the card, that I don't remember what it says on this issue. I am very disappointed in the way they have done this and I am trying to pay this card off as soon as possible. I will cancel the account directly.
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Posted by losmith on 2008-09-08:
These policies are despicable, but you should know that they are not limited to Target. In your contract with the credit card company (did you read it? me neither), it usually specifies that they can raise your rate at any time for any reason, OR for no reason at all. Other banks have taken a lot more flak for this because they are raising rates for no reason. There have been a number of news stories on this in the last three months. In this economy, they'll take you for whatever they can get.
Posted by Nataliya on 2009-09-29:
I am going to cancel Target credit card too. It is the worst credit card I've ever had.
Posted by zazzi on 2010-06-18:
As far as I am aware, a credit-issuing agency, under most circumstances, must obtain your consent before examining your credit report. There are a few exceptions to this, such as introducing a client to a partner company (insurance, i.e.) or reviewing the client's history for the purpose of extending additional credit. This should be explained in your card agreement. If you are denied credit when applying for it, you must be told why and where the derogatory information came from, but I'm not sure if the same applies to an established line of credit experiencing limit decreases or interest hikes. When I used to sign people up for cards, I would always stress that we go over the agreement together and that they ask all questions before signing -- because up until then they could always walk away.

Clark Howard may advise that credit is important to have, but Dave Ramsey disagrees. Up until 60 or 80 years ago, this country got along just fine without massive amounts of credit -- credit is just another name for debt. If you don't foresee an actual need for it (say, you own your own business), then you're probably better off without the hassles and 22% interest, like me. :)

If nothing else, please keep tabs on your credit reports for fraudulent activity: www.annualcreditreport.com. This site will allow you one FREE report (not score) from EACH of the three major bureaus (Equifax, Experian, and TransUnion) every 12 months. Check one each four months -- they may not be identical, but they should all report roughly the same data. Aside from detecting identity theft, it's also a good way to dispute charges and See Who's Checking Up On You ;)

Smith -- You speak the truth. Please spread awareness. Knowledge is power.
Posted by raven2010 on 2010-06-18:
FCRA and Fair Credit Billing (forgive me, I cant recall the statues any longer) allows for periodic examination of credit, behavior, etc on ESTABLISHED customers, as long as things like "scorecards' are used to avoid singling out specific groups.
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StarStarEmpty StarEmpty StarEmpty Star
Red card
Posted by on 12/08/2012
In applying for a red card' I found it very upsetting that you needed my ssn# and my yearly earnings. By swiping my Driver's Lic. you get all the info you need. So because of this I am forced to not use one of your services in saving money. I really like shopping in your store for children's clothes.
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Posted by Twinkie Godess on 2012-12-08:
Your driver's license doesn't have a your credit history on it. They need your SSN to run a credit report. This is standard with any store credit card.
Posted by Anonymous on 2012-12-08:
If you want to borrow their money, you have to agree to their terms and conditions. This is standard with any credit card.
Posted by clutzycook on 2012-12-08:
They have to know your yearly earnings too. They're not going to give a $20000 limit to someone who makes $15000/yr
Posted by Anonymous on 2012-12-08:
They also have one for checking accounts which you can earn reward and 5 percent on each purchase.

Posted by Mary Halperin on 2012-12-08:
You can register for a Debit Target Card which doesn't require you to apply for a credit card to obtain the 5% discount.
Posted by At Your Service on 2012-12-09:
No. You're drivers licence doesn't provide all the information needed.

As all others have pointed out, any time you apply for a line of credit, the lender can make such a requirement. It's common place and is one of the reasons why it's important to maintain good credit ratings.
Posted by TheCreditCrusader on 2012-12-14:
Just be thankful you didn't end up with a Red Card. Notoriously poor customer service (off-shore CSR's), frequent errors on charges and credits, and interest rates in excess of 20% APR. Just for fun, call Target HQ and ask them who really owns Target Red Card. The answer may suprise you.
Posted by Dissappointed customer on 2012-12-18:
Do you really want to give Target that much information and access to your Debit card for 5% OFF??? BUYER BEWARE
Posted by Targetisntsobad on 2013-01-01:
Read the terms of service. The GOVERNMENT requires that info don't blame Target for something they have no control over.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Red Card - Huge Hassle and Really bad customer service
Posted by Amy.keran on 10/31/2012
COON RAPIDS, MINNESOTA -- Finally was guilted into the Red Card since I shop there three to four times a week. From the start, I have had PIN issues... even though I made a simple choice. All you get is the shrug of the shoulders and "call the number on the back of the card." What's worse, is they then declined my bank card.. I look like a stupid loser -- three times. Every time I call, I am "disconnected" until I sit on Zero. When I get an answer - all I can say is ATTITUDE and this person was NOT Minnesota nice. The best was "Your zip code shows Minneapolis - not Coon Rapids - I cannot help you." Great company.
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Posted by onlooker on 2012-10-31:
Cancel the card.
Sometimes the trouble just is not worth it.
And if you find yourself guilted again - try it. Maybe the next time the set up of your account will be easier and it will be smooth.
Posted by ChuhBaca on 2012-10-31:
I see you have experienced the classic Target tactic of "here's an 800 number, call someone who cares (not)". It's Target S.O.P. Aren't you glad to be a Target customer?
Posted by CreditCrusader on 2012-12-14:
The store can pass the buck because Target HQ will tell you the Red Card is not owned by Target. They just want you to think it is, at least until there is a problem. And if you cancel a card it hurts your credit rating. I just wish I could tell everyone to avoid applying for the card or falling for Target's masquerade. Notoriously poor customer service (off-shore CSR's), frequent errors on charges and credits, and interest rates in excess of 20% APR. Bad business.
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StarStarEmpty StarEmpty StarEmpty Star
Red Card Accounting Office Cost Me $600
Posted by 4cats on 09/10/2012
FRIDLEY, MINNESOTA -- Last year I noticed a withdrawal from my checking account by using Target's Red Card. I hadn't been in the store on the day of or day before the withdrawal showed up in my account. I called Target and asked to speak with an individual in accounting. My mistake was not getting the indivudal's name. But according to this male accounting person, "no, I hadn't made any purchases in that amount, even dating back to the first of the month." So I called my bank and put a stop payment on the amount.

Six weeks later when I went to use my Red Card at Target it was declined. Turns out that banks, unlike checks when a "Stop Payment" is put into effect, they will put the stop payment on the ENTIRE bank debit card. I called Target, asked them why they let six weeks lapse before contacting me, allowing $600 worth of charges pile up. Nope, they don't do that. They were 'nice enough' to drop the fees down to $300. That made me feel OH SO MUCH BETTER - yea right!

So no don't trust Target's RED CARD and their accounting department. AND do read the fine print on any or all of your debit cards.
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Posted by JISCal2 on 2012-09-11:
So, you have a debit card with the Target name but the money is debited from your personal checking account? Target is a third party that has access to your checking account? What is the purpose in the arrangement? This sounds like a disaster waiting for a place to happen.
Posted by trmn8r on 2012-09-11:
I don't understand exactly what happened or what fees you were hit with. Did you stop payment on just one transaction or the whole account? If just the one, and someone had access it would explain how a bunch of bogus charges may have piled up. Were these fees overdrafts?
Posted by ticia232 on 2012-09-11:
Instead of a stop payment, you should have opened a fraud complaint with your bank and the local police. The accountant telling you that you hadn't used the card with those amounts would have been able to help with the complaint with the bank and helped you get your money back from the bank (who released the money without your permission.) But unfortunately you chose a stop payment, something that is seen as suspicious (It makes you look bad in the sense why wouldn't they open a fraud investigation into their account?).

I still suggest you open a fraud investigation with your bank. What happens when it is another one of your cards?
Posted by copper_works_ on 2012-09-11:
Did you call this number?

Monitor Billing Statements of Existing Accounts for Unusual or Unauthorized Activity.
Keeping copies of your charge slips and comparing them to billing statement information will help you catch fraud quickly. If you ever see unauthorized activity on your Target Visa Credit Card, Target Credit Card or Target Debit Card, call 1-888-755-5856.

Posted by yoke on 2012-09-11:
I am confused. If your bank closed your debit card they did it for your protection, that way nobody else can use it since it was just used without your consent. Target did not allow 6 weeks to go by without contacting you about the $600 you knew about the next day and took care of the situation. What are the fee's coming from?
Posted by copper_works_ on 2012-09-11:
This is a Target debit card. It is not issued though this poster's bank, it is issued through Target and can only be used at Target. It is used instead of writing checks at this particular store. The poster put a stop payment through their own bank as you would put a stop payment on a check. I'm really surprised Target didn't take control of this situation with the first call.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Beware of Target Credit Card
Posted by Herrell.akins on 06/03/2012
MINNEAPOLIS, MINNESOTA -- Sent a check through my bank's "Bill Pay" service for the balance due on my Red Card. The check was on time and for the entire balance. Target returned it to my bank with no reason given and then marked my account delinquent, added $30 late charge and has not responded to my inquiries why they sent the check back. I have perfect credit but maybe not for long thanks to Target. Please get it together Target.
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Posted by tnchuck100 on 2012-06-03:
Please come back and tell us what Target had to say about this when you finally do get in contact with them.
Posted by tnchuck100 on 2012-06-03:
I'm going to suggest a likely cause. The account number on the check was incorrect. Have you verified this through your bank?
Posted by trmn8r on 2012-06-03:
Good suggestion, tnchuck. I have never used this service at my bank, where you enter information on the bank's portal that results in a paper check being sent to the designated payee, but an error in the account number appears to be the top choice. I'm wondering if the web portal would have an image of the pertinent documents that were sent (check+account info), and/or still have the account number that the OP entered. Makes sense that using this method, some data is needed to take the place of the payment stub that would normally accompany payment.
Posted by madconsumer on 2012-06-03:
very helpful review!
i would never trust target to do anything right!
Posted by trmn8r on 2012-06-03:
How is it helpful, mad? There are insufficient details to determine what went wrong.
Posted by clutzycook on 2012-06-03:
OP, your beef really isn't with Target, but rather with the administrator of the card, like HSBC, Capitol One, etc.
Posted by Justice74 on 2012-06-03:
Trmn8r> I may be wrong, but I think Madconsumer was suggesting that because the OP stated Target hadn't responsed to their inquiries, then in essence it was considered poor customer service, and thus a good review. I'm not suggesting either way if that logic is right or wrong, but only trying to offer an explanation to Mad's comment.
Posted by trmn8r on 2012-06-03:
OK, see that. Unfortunately, in matters such as these that involve banks, the affected party almost always needs to step in and contact both sides. Having failed in getting further explanation from the payee, I would approach the payer if they haven't already done so.
Posted by yoke on 2012-06-03:
Was the account number on the check?
Posted by copper_works_ on 2012-06-03:
I think this is a good review against Target also. Because, where on this link does it have another name other than Target's own name? Target put its brand all over this thing and to not reply to a customers query, just makes the whole thing look bad.



Target National Bank
P.O. Box 660170
Dallas, TX. 75266-0170

Posted by methinkthis on 2012-12-17:
Use a Target Red Card. Have faithfully payed on time since I had the card which is years. The last statement was misplaced in mail so payment was not made on time. Went into use the card and less than one week after missing payment the card was blocked. This is one crappy way to treat a paying customer. Target is on my S--- list now and I will not go into their store again. They totally do not appreciate a good customer. A statement or payment gets lost in the mail and you get blocked a few days afterward. Extremely insulting behavior on Targets side. A simple email, letter, call and we would have settled the matter. But NO, we find out checking out in Target. Fortunately I have other CC's to use that appreciate my business. Goodbye Target!
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Very slow to post payments
Posted by Padacas on 02/19/2012
CUMMING, GEORGIA -- My complaint with the Target Redcard is that they are slow to process payments. I use my card weekly and weekly I have the full balance paid to them from my checking account. I noticed the payments were not being posted and I was told by more than one representative that they would hold my payment up to 15 days (3 weeks!) "in case my bank wants the money back". I was invited to bring cash into the store to make my payment or schedule a conference call with my bank (for every payment) so they could make sure the bank didn't want the money back. I am baffled by this. I pay all my bills online and no one else holds the payment in case the bank wants it back. I have excellent credit, so no problem there. I find this a huge hassle for 2012, it sounds like something from the dark ages. I will take my business elsewhere to avoid this hassle. I felt like they could care less when I talked to them.
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Posted by clutzycook on 2012-02-19:
You know you're the second person here in recent weeks to post the same complaint about the Red Card.
Posted by Buddy01 on 2012-02-20:
Sounds like they want to hold payment for as long as possible so they can charge a late payment fee.
Posted by hugesilverstone on 2013-04-12:
hi all. and yes, i have also experienced or observe that lately that it takes some time for them to process such card transaction. i hope it will not be like this for the whole year round. otherwise, they will lose some customers for inefficient services.

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I was refused the use of my debit card, and the use of my red card
Posted by Eathomas47 on 02/14/2012
I am done with you. There was no reason for this. If you check my record you will find that I always pay my bill on time.
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Posted by Venice09 on 2012-02-14:
Why were your methods of payment refused?
Posted by clutzycook on 2012-02-14:
Had the money hit your account yet? Did you check your balance to make sure you had enough credit? I don't know why your debit card would be refused unless you have a daily limit. My husband had put one on his debit card eons ago (it's now our joint account) to the tune of $400/day. An 18 year old never thinks he'll spend more than that in a day. Amazing, isn't it?
Posted by traceylynn on 2012-02-15:
If the cards were refused it would be the fault of the card issuer not Target. Even for the 'Target' card I believe it is GE Money ( ?) that the card is thru and they control the financial aspect on it, not Target. They cannot run a card that is coming back denied.
Posted by Churro on 2012-02-15:
The Target Card is issued by Target's own 'Target National Bank' and not the GE money store.
Posted by traceylynn on 2012-02-15:
My fault Churro, I figured it was a different corporation but wasn’t sure. Even though it is issued with Target National Bank I am gonna guess they are separate entities and a normal cashier in the store cant 'free up' an amount on the card, they probably have seprate customer service . So frustrating for the OP! I hope things get cleared up for you OP, good luck in the future.
Posted by FoDaddy19 on 2012-02-16:
I'm curious as to why it was declined. What reason did they give? Keep in mind that if you currently had x number of dollars on the card and the $330 TV would've put you over the limit on that card, it's going to be declined. If that was the case, the your payment history is irrelevant.
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Rude phone call regarding late payment of Target Visa Card
Posted by Ruthiewilder on 01/20/2012
MINNESOTA -- I received a phone call on January 19, 2012 from Target Financial Services regarding a late payment. The female was pushy and rude and did not inform me of payment options. I pay online and had planned to pay the first of next week when I got paid. She was so pushy, talking very fast, that I made a mistake when agreeing to a date for payment. She had an accent and did not treat me with respect. I have a good payment record with Target. I have corrected my payment date online. Your company needs to help your "shark attack" employers with social skills and appropriate tact. I do not plan to use this Visa card again when my account is cleared!
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Posted by MDSasquatch on 2012-01-20:
step one - get Caller ID
Step two - only answer recognized numbers
Posted by MRM on 2012-01-20:
Im sorry that you've encountered a rude phone call, but if you're late on your payment expect a pushy phone call. If you're late on another card, expect a pushy phone call from them as well.
Posted by ChuhBaca on 2012-01-20:
Expect a pushy phone call? I don't think this treatment is warranted toward your customers. More great Target personality!
Posted by yoke on 2012-01-20:
If you are late on paying your bill you will get a pushy rep attempting to collect the debt. That is their job, to get the person who has not paid their debt to committ to a time that they will pay the debt. It is not just Target Financial that is pushy, they all are it is there job!
Posted by ChuhBaca on 2012-01-20:
We all had to start out some where. I think a lot of us know what it is like to be just starting out and having to watch every penny. Sometimes you would get into a situation where you had to be a few days late. From my experience, they these companies just tack on a late fee instead of calling to belittle you.
In fact, I believe the OP needed to do was to request that they stop calling and if they refused, it would be illegal!
Posted by tnchuck100 on 2012-01-20:
"In fact, I believe the OP needed to do was to request that they stop calling and if they refused, it would be illegal!"

That only applies to 3rd party collection agencies, not the original creditor.

Posted by ChuhBaca on 2012-01-20:
Still no excuse to call someone up at their residence and belittle them. Defense of this behaviour, along with other bad customer service "policies" is exactly what is allowing for the decline of customer service worldwide.
Posted by tnchuck100 on 2012-01-20:
That's true, ChuhBaca. There is never an excuse for rude.

Just a side note: Too many customer service people translate "policy" into "iron clad law". Disregard common sense at every turn.
Posted by madconsumer on 2012-01-20:
this is typical of bill collectors. they often use rude pushy behaviours to force people to pay.

there is no excuse for a target employee to treat you this way.

very helpful review, and a valid complaint!!
Posted by Anonymous on 2012-01-20:
I was a nice bill collector. When I called someone, as soon as they heard why I was calling, they would get rude to me. I was never rude back. We got our calls monitored all the time so I had to be nice. I took a lot of attitude from people. So, you can't lump all bill collectors into one category, madc.
Posted by DebtorBasher on 2012-01-20:
Agreed LittleShorty. I don't know what this rep said or did that was rude and pushy, but when I monitored calls for NCO, I would hear our reps be absolutely professional and never raised their voice or said anything that would violate the FDCPA or our company policy, yet the debtor felt the rep was rude just for calling them about their bill.

Like I said, we don't know the details of this rep who came across as being rude to the poster, and they don't have to go into details, but it would be nice to know because it might help others to decide to do business with this company or not. And again, we have to remember, you can't really put the entire company to blame if it's just one rep, but the company should be told about it so they can offer better training to their reps.
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