• Report: #327865

Complaint Review: Target

  • Submitted: Mon, April 21, 2008
  • Updated: Mon, April 06, 2009

  • Reported By:Tacoma Washington
Target
Union Street Tacoma, Washington U.S.A.

Target Bounce a check at Target? Prepare to be ripped off! Tacoma Washington

*Consumer Suggestion: Fee was disclosed.

*Consumer Comment: What Target should have done is...

*Consumer Comment: Boy I make practically nothing with just a fair credit score and bounce a few checks a year

*Consumer Comment: Boy I make practically nothing with just a fair credit score and bounce a few checks a year

*Consumer Comment: Boy I make practically nothing with just a fair credit score and bounce a few checks a year

*Consumer Comment: Boy I make practically nothing with just a fair credit score and bounce a few checks a year

*Consumer Comment: I agree with the others!!

*Consumer Comment: It's hard to fly like an eagle ..............

*Consumer Suggestion: I love the

*Consumer Comment: I Have To Agree With Nikki

*Consumer Comment: Lemme get this straight ...

*Consumer Comment: Lemme get this straight ...

*Consumer Comment: Lemme get this straight ...

*Consumer Comment: Lemme get this straight ...

*Consumer Comment: No Rip-Off

*Consumer Comment: Yeah, right

*Consumer Comment: I'm surprised your bank return the check.

*Consumer Comment: So Where's The Rip Off?

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So, has anyone ever bounced a check at Target? Well we did! I know this might be hard to believe but we haven't bounced a check in over 5 years. We spend over $5K a year at the store. So the story goes, I was in China on business for 3 weeks I forgot to transfer money into my wife's account before I left. So 3 checks bounced before I got the text from my wife tell me what was happening, I immediately transfered some money into her account.

Anyway, the check to Target was paid the second time through. My wife about had a heart attack, we have an 800 credit score and make well into the 6 figures, not that matters really the point is we don't make a habit of this. So since the check was paid I thought everything was fine. Not So! a few weeks later we started getting phones calls from Target. Their Collection department, they told my wife the check was paid but they have a $25.00 fee for bounced checks, they wanted payment by phone.

So she told me about it, my response was to tell Target to blow. Then I got a letter from them today, I got a call from the collections department again tonight. I told the lady nicely I wasn't happy about this. I told her the background she said what do you want me to do? I said I want you to waive the fee! She said she can't do that it but could cut in half, $12.50

I asked if she knew how ridiculous this conversation was? My time, her time, the numerous phone calls, etc. I told her we were never going to shop at Target again. It was obvious she didn't care! So I'm going to send them a check for $25.00 along with a letter informing them of my decision. So, if you shop at Target please beware of how much Target appreciates your business.

Talk about CEO's that make to much money, their Chief Marketing Officer needs to get a clue and give his/her paycheck back because what ever it is, it's to much!

P.S. A further clue that Target's Marketing Officer should go back to school, corporations spend millions studying good buying environments. All I ever hear in Target is the 50-100 employees walking all over the store with their portable radio's blasting as loud as the go "DOES ANYONE KNOW WHERE THE TP IS LOCATED" all I can think of is how fast can I get out of here! Thank god Costco is close by, that is a company that has a clue about making their customers happy! No wonder they kick Target's butt in sales.

Steve
Tacoma, Washington
U.S.A.

This report was posted on Ripoff Report on 04/21/2008 08:30 PM and is a permanent record located here: http://www.ripoffreport.com/r/Target/Tacoma-Washington-98402/Target-Bounce-a-check-at-Target-Prepare-to-be-ripped-off-Tacoma-Washington-327865. 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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Updates & Rebuttals

#1 Consumer Suggestion

Fee was disclosed.

AUTHOR: I Am The Law - (U.S.A.)

That fee is clearly displayed on their website and cashier's stands.
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#2 Consumer Comment

What Target should have done is...

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

Not run the check(s) a second time, sent the wife a bill which included the NSF fee(s), then when it wasn't paid, taken out an arrest warrant.

Maybe then this guy will understand what his wife did was ILLEGAL. They saved her a trip to jail by running it through again.

Most merchants now will electronically take the fee when the check is run after the first time.
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#3 Consumer Comment

Boy I make practically nothing with just a fair credit score and bounce a few checks a year

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

and my bank ALWAYS pays them. I cal B.S. on this guy's story.
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#4 Consumer Comment

Boy I make practically nothing with just a fair credit score and bounce a few checks a year

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

and my bank ALWAYS pays them. I cal B.S. on this guy's story.
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#5 Consumer Comment

Boy I make practically nothing with just a fair credit score and bounce a few checks a year

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

and my bank ALWAYS pays them. I cal B.S. on this guy's story.
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#6 Consumer Comment

Boy I make practically nothing with just a fair credit score and bounce a few checks a year

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

and my bank ALWAYS pays them. I cal B.S. on this guy's story.
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#7 Consumer Comment

I agree with the others!!

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

The original poster regarding the complaint to Target is unsubstantiated. I agree with the others in reponse to his complaint. When a person's check bounces, the bank usually charges the vendor a fee. This fee is later passed to the customer who wrote the bad check. The OP (original poster) is at fault and now expects Target to pay for his mistake or lack of funds. He needs to grow up!!! I agree that if he had overdraft protection, he would never had any checks returned to him, stamped "insuffucient funds".
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#8 Consumer Comment

It's hard to fly like an eagle ..............

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

So, has anyone ever bounced a check at Target? = Err, NO not ever
PERIOD

Well we did! = "Well" that's your problem. Don't make your problem
our problem.

.. forgot to transfer money .. = That's your problem again.

.. we haven't bounced a check in over 5 years. = I and the majority
NEVER have PERIOD

That's as far as I got reading your post enough said

It's hard to fly like an Eagle when you are surrounded by Turkeys
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#9 Consumer Suggestion

I love the

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

Oh I make 6 figures and have a 800+ credit score but that's not important. Really? So why put that info in there? You bounced a check, live with it. Pay the fee.
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#10 Consumer Comment

I Have To Agree With Nikki

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

For having such a hugh income and having such a high credit score and being a world traveler, your bank wouldn't cover a a little check at target? You must not have a very good relationship with your bank or banker. I'd find a new bank. What do they say. How do you go broke earning a millon a year? Spending two millon a year.
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#11 Consumer Comment

Lemme get this straight ...

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

You bounced a check and you are accusing Target of ripping YOU off?

It sounds to me like you ripped off Target by essentially stealing their merchandise by paying with a bad check ...
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#12 Consumer Comment

Lemme get this straight ...

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

You bounced a check and you are accusing Target of ripping YOU off?

It sounds to me like you ripped off Target by essentially stealing their merchandise by paying with a bad check ...
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#13 Consumer Comment

Lemme get this straight ...

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

You bounced a check and you are accusing Target of ripping YOU off?

It sounds to me like you ripped off Target by essentially stealing their merchandise by paying with a bad check ...
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#14 Consumer Comment

Lemme get this straight ...

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

You bounced a check and you are accusing Target of ripping YOU off?

It sounds to me like you ripped off Target by essentially stealing their merchandise by paying with a bad check ...
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#15 Consumer Comment

No Rip-Off

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

Firstly to Larry: How you couldn't find anything at a Target to buy (toilet paper, paper towels, cleaning supplies) is beyond me but that is not the issue. However, it is not a crazy idea that someone could spend $5,000 at Target.

Most importantly, this is not a rip-off. Regardless how much you spend at Target on a yearly basis, a bounced check is a bounced check, and Target, like any other merchant has the right to collect a fee for it. You admit that you forgot to handle your buisness before you left the country, and this is how you are paying for it.
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#16 Consumer Comment

Yeah, right

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

I received a $50 gift card to Target and could not find anything in the entire store I would want. I ended up giving the card to someone else. So right off the bat your story about spending $5K a year at Target is suspicious. Who could possibly purchase that much junk?

Your story makes it sound like you are sophisticated world traveler, getting text messages while in China and transferring money from the other side of the planet. Yet you are still writing checks -- a 19th century instrument -- in the 21st century. Have you not heard of debit cards?

The only part of your story that is believable is that you told Target to blow. What else could a deadbeat do?
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#17 Consumer Comment

I'm surprised your bank return the check.

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

With your credit score, income and check writing history, I'm surprised your bank returned the checks to Target unpaid. Usually the banks pays the checks under their overdraft protection. I would complain to the bank for returning the checks and causing you embarassment and additional fees. Isn't that what they tell us the overdraft protection is for?
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#18 Consumer Comment

So Where's The Rip Off?

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

Your wife bounced THREE checks at target. Your post only mentions $25, so I suspect they're gonna be coming after you/your wife for another $50. They probably have a $25 hot check fee. You or your wife owes them $75 for three bounced checks, if that's what they charge. Every company I know, charges for bounced/hot checks. That's on top of what your bank will charge you. What does it matter what your credit score or your income is, your wife still bounced three checks. You may tell them to blow BUT they'll tell you to blow when they turn you/your wife over to collections for failure to pay the bounced check fees and watch your/her credit score drop. Then you'll blow a gasket, all over $25/$75 which is chump change with your income. STATE LAW gives me the right to charge up to $30 for each NSF check. Some of my customers are really nice when they make a mistake and bounce a check and call me and let me know it's gonna happen. I don't have a problem with these folks. I usually don't charge them the $30 NSF fee. The others that are a problem and make me work at calling them and are a pain, I hit them with the $30 NSF fee. If they're a real problem, I turn the check over to the district attorney's office, they get hit with addition fees on top of my $30 fee. I had one stupid twit that wrote me a $30 check that bounced. By the time she was done, she'd paid out over $150 for one $30 check. I finally asked her why she just hadn't come and paid me my $30. She wouldn't give me an answer. You may have the problem with target, but if the same problem occurs, you'll have the same situation elsewhere.
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