Target Complaint - Customer Service
I did a balance transfer from my Target Visa to my Bank of America Visa. I did this for two reasons first the interest rate on my Bank of America Visa was lower and second I was planning to make a purchase that I planned on paying off by the end of the payment cycle. Which would have allowed me to borrow the money interest free. However Bank of America made a mistake and paid off the transfer balance twice. I caught it while the second payment was still pending and when I called Bank of America's customers service they assured me that the second one would drop off. Of course it didn't, when I checked a couple of days later the second charge had went through putting me over my credit limit. I was told that I would have to contact Target and request that they reverse the balance transfer. Which I did right away, Target said that they could not reverse the transfer but would send me a check for the total of the transfer. I ask them if the purchase that I had made the day before would affect the amount of the check that I received since I had just made a purchase. I was told no since they saw the double payment and they would request the check that day which was March 14, 2008.
They also told me that I should received the check within 10 to 14 days. On March 24, 2008 I called to tell them I had not received the check yet. At that time I found out that the change of address that I had put in (via internet) had not taken effect and that the check which I was told was sent out on March 14, 2008 would probably reach me by the end of the week. But if I didn't get it by March 28, 2008 to call.
On March 28, 2008 when I checked my mail I got my statement which had been forwarded from my old address and hadn't closed out until March 17, 2008 ,but still no check. When I called them the first customer service representative again told me that the check had been sent out on March 14, 2008 for the full amount of the second balance transfer which had been made in error. When I questioned her about my balance being zero and not the amount I had charged, she claimed to look into it a little more and stated that the check had went out on March 14, 2008 for the difference between the balance transfer and the purchase that I had made. At this time I told her I wanted to close my account.
She then transferred me to someone who I suppose was her supervisor. The supervisor main concern was did I really want to close my account. She almost immediately went into the what great benefits the Target credit card offers. When I tried to explain the situation to her, her condescending response was that I made a purchase. I told her that I was aware that I made a purchase but that when I called on March 14, 2008 I was told that they understood the problem that my purchase would not effect the check they were to send me for the balance transfer. I then told her that I was told that I should have received my check (no matter the amount) within 10 to 14 days. She then told me that's right but how could I expect the check already it was only sent out on March 27, 2008. After repeatedly having to tell her that I was told that the check had been sent out on the March 14, 2008; she finally checked and admitted that she did see the request for the check on March 14, 2008 and the call back on March 24, 2008. Needless to say that I have closed my Visa account with Target. More than losing a credit card customer though, they have lost a customer in me period. I use to work for Target and am well aware of how this company stresses it's superior customer service. Not only was this lady condescending but argumentative. It has to be one of the worst customer service experiences that I have had in quite a while.