Target Complaint - Lawsuit
MINNEAPOLIS, MINNESOTA -- For being a customer friendly store the credit card division is not. Being sued for nonpayment on a credit card.
I contacted them about my situation. Went to a non profit Debt management program to help me with my credit card bills. Target sent my account to a Law firm for collection. They called. Asked all kinds of questions that I should never of answered. I found that out after the fact. They demanded payment. Unreasonable payments. I told them that I couldn't make such payments. That's why I went to DMP. They told me that they don't work with DMp. If I didn't pay they would sue me and but a lien on my house which I told them to much information about my personal finances. They think I have a lot of equity in my house so they are going that route. I have tried twice to get a equity loan. Turned down twice. They wanted proof of that. Not an easy firm to deal but I guess no firm is when they are hired to get your money. I have gone to court. The Judge was very nice. He gave me another 30 days to try and work something out. Sent them a proposal to pay a smaller amount in a lump sum to get them out of my life. Have not heard a thing. I called them right after my court appearance to try and negotiate with them. They told me I had to much equity in my house. They won't budge. I will never have another credit card in my lifetime.
They are such a trap. They are like loan sharks after your money when you fall on hard times. Just want to let people beware of Target National Bank. If you have trouble paying that account you might see yourself in Court. One thing that I have learned is not let those guy intimate you. They are doing their job like they are trained to do. The system needs to change. We are not criminals. Court is not where these cases need to be and taking up the judges time to handle real criminals. I was making every attempt to pay this bill. I did not abandon it like some people do and I am treated like this. It is appalling. They need to rethink the way they go about this process. Please rethink in letting your customers to use DMP in this hard economic times.