Target Card Target Red Card Auto Pay Fails - Impacts Credit Report Minneapolis Nationwide

As a Target Card Consumer, I had worked with a customer care agent to enroll in bill pay during a very busying and challenging time in my life. My wife was dealing with a difficult pregnancy, I was helping to care for our three other children while managing a full time job. Knowing that trying to juggle all of these different hats, I needed to manage making my payments to my debt obligations without falling behind or letting a payment slip through the cracks. For that reason I had called Target Card customer care to enroll in automatic bill pay.

 

Despite requesting the enrollment in automatic bill pay, My account was flagged as 30 days late on my credit report. I was forced to call in and get my account up to speed. The benefits of bill pay failed to serve as the safety net I had intended it to be.

 

After successfully delivering our fourth child, my wife and I are looking to expand up on our home to accommodate our larger family, however my credit report is reflecting a late payment which in turn is severely impacting my FICO score and ability to secure a loan to help finance the construction costs of expanding our home. This late payment does not accurately reflect my ability pay my debt obligations and severely impacting me and my families lives as we are not struggling to overcome credit score challenges that were brought on by a failure at Target's Credit Card Customer Care department.