• Report: #431018

Complaint Review: Target National Bank - Target Stores RedCard

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  • Submitted: Thu, March 05, 2009
  • Updated: Thu, March 05, 2009

  • Reported By:Mt Pleasant Texas
Target National Bank - Target Stores RedCard
3701 Wayzata Blvd Mail Stop 2 C-T. Minneapolis, Minnesota U.S.A.

Target National Bank - Target Stores RedCard Target Store Double Billed Me AND billed to wrong address incurring Late Fees Minneapolis Minnesota

*Consumer Comment: NO USING CORRECT ADDRESS IS A VIOLATION OF THE FAIR CREDIT BILLING ACT.

*Consumer Comment: NO USING CORRECT ADDRESS IS A VIOLATION OF THE FAIR CREDIT BILLING ACT.

*Consumer Comment: NO USING CORRECT ADDRESS IS A VIOLATION OF THE FAIR CREDIT BILLING ACT.

*Consumer Comment: NO USING CORRECT ADDRESS IS A VIOLATION OF THE FAIR CREDIT BILLING ACT.

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At Christmas time I went to into Target where they talked me into applying for the RedCard. At the time I had in hand two prepaid Visa Cards from work (gift cards). I was purchasing a few gifts one being a printer.
At checkout time, the girl rang up the printer and was about to ring up the smaller items when she said I could not use my prepaid gift cards along with the Redcard 10% off promotion.
I told her no way, I wanted to use my gift cards, obviously! She did not know what to do so she had to go get help to back off the charge and they were all confused on how to do it.
So finally we thought they had it all figured out and they rang up the printer along with the other items and I paid for them with my two gift cards leaving a small balance on one of them. I never thought anything of it until...
February 20 or thereabouts I receive a bill. Not only is it charging me for the printer, which I paid with on my cash gift card but it is also charging me late fees for not paying on a previous statement of which I never received-I also never received the RedCard.
When I called Target about this they stated that they indeed had sent the card to the wrong address but said they had sent the statement to the corrected address. Which I doubt as I did not receive it or I would been able to catch this erroneous error at that time.
They are saying because it is over 30 days they cannot go back to video to watch the transaction and are trying to say that I purchased a printer on the Target card at 8:46 PM then went back into the store and purchased another printer along with other items at 9:13 PM. The time lapse is because the checker (s) didnt apparantly know how to back out the original charge.
I am disputing it with them but I was told that because of the time lapse and being over 30 days (because I never rec'd a statement prior to Feb) I would probably have to pay the charges. This printer is not worth twice what I paid plus the 29.00 late fee that I am not responsible because they sent all information to the wrong address.

Jimmy
Mt Pleasant, Texas
U.S.A.

This report was posted on Ripoff Report on 03/05/2009 08:23 AM and is a permanent record located here: http://www.ripoffreport.com/r/Target-National-Bank-Target-Stores-RedCard/Minneapolis-Minnesota-55459-0317/Target-National-Bank-Target-Stores-RedCard-Target-Store-Double-Billed-Me-AND-billed-to-w-431018. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 4Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

NO USING CORRECT ADDRESS IS A VIOLATION OF THE FAIR CREDIT BILLING ACT.

AUTHOR: Laurie - (U.S.A.)

They are required by Federal Law to USE the correct mailing address, When they don't- they violated Federal Law.

As most credit card companies ignore valid complaints when they come from the customer -YOU HAVE TO FILE COMPLAINTS WITH
Federal Trade Commission www.ftc.gov
AND
Office of Thrift Supervision www.ots.gov.

CREDIT CARD COMPANIES CANNOT IGNORE COMPLAINTS THAT COME TO THEM VIA THE OFFICE OF THRIFT SUPERVISION.
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#2 Consumer Comment

NO USING CORRECT ADDRESS IS A VIOLATION OF THE FAIR CREDIT BILLING ACT.

AUTHOR: Laurie - (U.S.A.)

They are required by Federal Law to USE the correct mailing address, When they don't- they violated Federal Law.

As most credit card companies ignore valid complaints when they come from the customer -YOU HAVE TO FILE COMPLAINTS WITH
Federal Trade Commission www.ftc.gov
AND
Office of Thrift Supervision www.ots.gov.

CREDIT CARD COMPANIES CANNOT IGNORE COMPLAINTS THAT COME TO THEM VIA THE OFFICE OF THRIFT SUPERVISION.
Respond to this report!
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#3 Consumer Comment

NO USING CORRECT ADDRESS IS A VIOLATION OF THE FAIR CREDIT BILLING ACT.

AUTHOR: Laurie - (U.S.A.)

They are required by Federal Law to USE the correct mailing address, When they don't- they violated Federal Law.

As most credit card companies ignore valid complaints when they come from the customer -YOU HAVE TO FILE COMPLAINTS WITH
Federal Trade Commission www.ftc.gov
AND
Office of Thrift Supervision www.ots.gov.

CREDIT CARD COMPANIES CANNOT IGNORE COMPLAINTS THAT COME TO THEM VIA THE OFFICE OF THRIFT SUPERVISION.
Respond to this report!
What's this?

#4 Consumer Comment

NO USING CORRECT ADDRESS IS A VIOLATION OF THE FAIR CREDIT BILLING ACT.

AUTHOR: Laurie - (U.S.A.)

They are required by Federal Law to USE the correct mailing address, When they don't- they violated Federal Law.

As most credit card companies ignore valid complaints when they come from the customer -YOU HAVE TO FILE COMPLAINTS WITH
Federal Trade Commission www.ftc.gov
AND
Office of Thrift Supervision www.ots.gov.

CREDIT CARD COMPANIES CANNOT IGNORE COMPLAINTS THAT COME TO THEM VIA THE OFFICE OF THRIFT SUPERVISION.
Respond to this report!
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Report & Rebuttal
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