Target Complaint - Absolute Liars!!! Dishonest Shiesters Committing Fraud!!!
Absolutely disgusting. I have perfect credit, have never been late, frequently make payments before the due date and in amounts larger than due. But this time, they really screwed me. I made a $200 payment 2 weeks before the due date, had some extra money and wanted to have the credit available for Christmas shopping. Over the next several days, I checked my balance on-line, the payment posted in apprx. 48 hours. But the available credit didn't! First it showed -$50 available (when my balance was now more than the $200 less than the credit limit), the next day is showed -$5, the next day -$2. Every day I called customer service. First day the representative told me they were "having problems with the website", numbers didn't mean anything, don't worry. Next day, a different, obviously offshore representative said payments can be "held" for 3-4 days to prevent reversal from the bank. Except that by now it had been 5 business days! Next day, yet another non-English-speaking representative said they had the right to hold payments up to 14 DAYS!!!! to prevent reversal from the bank. Except I called my bank, and they told me once a payment was deducted from my account, the bank HAD NO LEGAL RIGHT TO REVERSE unless the CUSTOMER made the request for a legal reason like FRAUD. I finally demanded to speak to a supervisor at Target, another non-English-speaker, who sent me an e-mail stating that (buried in the fine print of their 5-page Agreement, but not on the statements or application) is the right to hold a payment for 15 BUSINESS DAYS, or 3 WEEKS!!! Which means they are holding the payment until THE NEXT STATEMENT CLOSING DATE! All the while they are still charging interest on the balance! So I very pointedly reviewed the information I had received, mentioning that it was now very clear I HAD BEEN LIED TO AT LEAST TWICE! You can be darn sure I will be paying this card off as soon as possible (and just to rub it in, hopefully with a credit transfer from ANOTHER vendor) and then closing it.