TARGET NATIONAL BANK $39.00 Late Fee for payment made 6 days before Due Date? Minneapolis Minnesota

I've never been late with a payment. All accounts I hold are automatically sent through my bank electronically on the 1st or 2nd of the month - depending on if the day lands on a weekend or holiday. (such as New Year's Day or a Sunday)

Imagine my surprise, when I received a bill from Target saying I owed an additional $39.00 in LATE FEES for a payment they did not process until Jan. 10th. It was deducted from my bank account on January 2nd, and not DUE until January 8th. Target posted it on their bill as January 10th and issued this LATE FEE.

This is outrageous, as every single account I hold elsewhere is able to process their payments on or before the 6th of the month. EVERY SINGLE ONE OF THEM. This excludes Target - who delayed entering my payment until two days past the due date.

My minimum payment was only $10.00 (ten) dollars and I paid $50.00 (fifty) as is customary with all my bills to pay more then requested. I am livid as now my credit score will reflect a late payment, interest rates from other cards may rise, and even employment opportunities can be affected by Target's inefficiency. TARGET'S INEFFICIENCY.

When I called the 800 number Target provided on the back of the bill, I was greeted with a polite yet hard to understand "Indian". He read through his reply with words like "just this once" and "you are only authorized to have $19.00 taken off". This is unacceptable. The full late fee amount should be deducted, and "just this once" does NOT make me feel "special" or that I'm receiving any "favors". I expect FAIRNESS. Nothing more.

If Target can not process their payments in a timely manner, they will lose customers. If they try to squeeze this $39.00 from me in the form of a late fee, (of a $10.00 minimum payment) it will be the last money they ever pull from my wallet and I will not step foot in their stores ever again. I WILL NOT STEP FOOT IN THEIR STORE - EVER AGAIN.

Ann
Swansea, Illinois
U.S.A.