Complaint Review: Retailers National Bank, Target, Visa - Minneapolis Minnesota
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- Author Not Confirmed
- Retailers National Bank, Target, Visa PO Box 59317 Minneapolis, Minnesota U.S.A.
- Phone: 888-755-5856
- Web:
- Category: Credit Card Fraud
Target, Visa, Retailers National Bank Minneapolis Minnesota
*Consumer Suggestion: It is always important to get the name/employee number of the person you are working with over the telephone.
*Consumer Suggestion: It is always important to get the name/employee number of the person you are working with over the telephone.
*Consumer Suggestion: It is always important to get the name/employee number of the person you are working with over the telephone.
*Consumer Suggestion: It is always important to get the name/employee number of the person you are working with over the telephone.
*UPDATE Employee: I THINK
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I, on Dec. 13, 2002, made a phone payment to Target for $1000.00. The Target cardholder is not me, the charge is in my life long friends name. I made a phone payment from my checking account. As I monitor my checking account day after a few days I see that there is no debit from my checking account for $1000.00. I recall Target on Dec. 17, 2002, the Cust. Service Rep. indicated he shows not record of my first call.
He suggests I redo the phone payment using the same check number. I give all the necessay info. I see on Dec. 18, 2002 the debit for $1,000.00 has been deducted from my checking account.
Now on Dec. 24, 2002, monitoring my account activity I see that another $1,000.00 using the same check number as I gave Target on Dec. 17, 2002 is debited from my checking account. I immediately contact my bank, since it is Christmas eve day, I speak with a bank representative in the fraud/retail claims dept.
This person tells me she will pull the imaged checks processed after Christmas day, Dec. 26TH, 2002 and call me. I then call Target and try to explain what happened, the Cust. Service Rep. has no conception of what I'm telling him. I tell my story over and over again to Traget Supervisors but they tell me there is nothing they can do. When my bank calls me back on Dec. 26TH, 2002, the Claims Specialist explains to me how Traget has made an error. The same check for $1,000.00 was processed twice, once by Retailers National Bank, then the second check was made payable to a person, my bank representative tells me the name of a person I have never heard of.
My bank immediately freezes my account and returns to Retailers National Bank/Target on of the checks. My bank has spoken to Target numerous times and tried to explain this is an error committed by Target and my friends charge should be credited $1,000.00, however Target is adding $1,000.00 to her account causing her to be over her credit limit incurring penilties. My bank covered me for my loss, but Target has been called many many times both by me and my banks' claims specialist and no one will listen.
I am in the process of contacting Retailers National Bank, and I feel I have been transferred to so many different people at Target "guest Services" when I should be referred to the Fraud Unit or referred to someone at Retailers National that is familar with this credit card/bank fraud. My friend is now suffering because I tried to do something good and we both got ripped off by Target and now Retailers National has registered me with Chex Systems as having a Non Sufficient Funds check, because my bank cancelled out the duplicate check Target tried to pass thru twice and reattached my friends charge card for the $1,000.00.
I've told this story so many times to the Target people so many times and they tell me they cannot do anything about this ripoff.
Patricia
Wauwatosa, Wisconsin
U.S.A.
This report was posted on Ripoff Report on 01/16/2003 03:27 PM and is a permanent record located here: https://www.ripoffreport.com/reports/retailers-national-bank-target-visa/minneapolis-minnesota-55459/target-visa-retailers-national-bank-minneapolis-minnesota-41751. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#5 Consumer Suggestion
It is always important to get the name/employee number of the person you are working with over the telephone.
AUTHOR: Alissa - (U.S.A.)
SUBMITTED: Friday, December 09, 2005
Otherwise you have no one to blame. I have had similar problems with both this company and Cingular. If you get their name and extension you can usually get more accomplished because eventually if you have to call enough the start to remember you and are more likely to want to help you.
It is made obvious by the previous rebuttal that not all of these reps are the smartest or most caring people. They are there to receive their hourly wage and not to treat you as their "guest."
All I do know is that if I was going to send a rebuttal and be so rude and sarcastic I would at least check my spelling before I was going to tell someone else they needed something "Pre K style."
#4 Consumer Suggestion
It is always important to get the name/employee number of the person you are working with over the telephone.
AUTHOR: Alissa - (U.S.A.)
SUBMITTED: Friday, December 09, 2005
Otherwise you have no one to blame. I have had similar problems with both this company and Cingular. If you get their name and extension you can usually get more accomplished because eventually if you have to call enough the start to remember you and are more likely to want to help you.
It is made obvious by the previous rebuttal that not all of these reps are the smartest or most caring people. They are there to receive their hourly wage and not to treat you as their "guest."
All I do know is that if I was going to send a rebuttal and be so rude and sarcastic I would at least check my spelling before I was going to tell someone else they needed something "Pre K style."
#3 Consumer Suggestion
It is always important to get the name/employee number of the person you are working with over the telephone.
AUTHOR: Alissa - (U.S.A.)
SUBMITTED: Friday, December 09, 2005
Otherwise you have no one to blame. I have had similar problems with both this company and Cingular. If you get their name and extension you can usually get more accomplished because eventually if you have to call enough the start to remember you and are more likely to want to help you.
It is made obvious by the previous rebuttal that not all of these reps are the smartest or most caring people. They are there to receive their hourly wage and not to treat you as their "guest."
All I do know is that if I was going to send a rebuttal and be so rude and sarcastic I would at least check my spelling before I was going to tell someone else they needed something "Pre K style."
#2 Consumer Suggestion
It is always important to get the name/employee number of the person you are working with over the telephone.
AUTHOR: Alissa - (U.S.A.)
SUBMITTED: Friday, December 09, 2005
Otherwise you have no one to blame. I have had similar problems with both this company and Cingular. If you get their name and extension you can usually get more accomplished because eventually if you have to call enough the start to remember you and are more likely to want to help you.
It is made obvious by the previous rebuttal that not all of these reps are the smartest or most caring people. They are there to receive their hourly wage and not to treat you as their "guest."
All I do know is that if I was going to send a rebuttal and be so rude and sarcastic I would at least check my spelling before I was going to tell someone else they needed something "Pre K style."
#1 UPDATE Employee
I THINK
AUTHOR: SMILE'S - (U.S.A.)
SUBMITTED: Tuesday, August 17, 2004
FIRST OFF ALL IF YOU MAKE A PAYMENT YOU SHOULD KNOW TO ASK FOR A CONFIRMATION NUMBER AND THE NAME OF THE RERESENTATIVE THAT U ARE GIVING YOUR INFORMATION TOO "THAT SHOULD BE COMMON SENCE". WHEN YOU GIVE A PAYMENT OVER THE PHONE MOST OF THE TIME THE PAYMENTS DONT GET POSTED THE DAY U GIVE THE PAYMENTS YOU HAVE TO WAIT AND LET THE PAYMENTS PROCCESS IN OTHER WORDS (PRE-K STYLE) GIVE IT TIME!!!!!
AND U ALSO HAVE TO MAKE SURE THAT THE PAYMENT U GIVE HAS ACCTUALLY CLEARED COMPLETELY IF A BIG PAYMENT LIKE THAT DOESNT APPEAR ON EITHER ONE OF YOUR STATEMENT GO TO YOUR BANK AND ASK THEM IF THEY HAVE YOUR PAYMENT PENDING(REASON BEING THAT ITS A LARGE QUANTITY OF A PAYMENT) OR IF U DO GIVE THE PAYMENT ON THE EXACT CHECK OVER AGAIN THE YOUR CHECHINGS BANK SHOULD KNOW NOT TO CLEAR OUT TWO CHECKS OF THE SAME CHECK NUMBER
PERSONALLY I WORK FOR TARGET AND I DO CREDIT APPLICATIONS AND I TRY TO EXPLAIN TO MY GUEST TO THE BEST OF MY KNOWLEGE AND I TELL THEM THAT ITS BETTER TO MAKE THEIR PAYMENT AT GUEST SERVICE AT ANY TARGET STORE, MAIN REASON SO U CAN HAVE A RECEIPT
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