Update by user Mar 27, 2017
Through persistence of being treated fairly.
Original review posted by user Mar 27, 2017
I received notice by my CC monitoring company that I had a hit on my credit report for late payments. Upon looking in to the matter I discovered my Target redcard payment was 35 days past due.
Logged in to My redcard account to find out they wanted a $144.00 payment immediately for late payment and fees associated. I immediately made the $144.00 payment and then called redcard to express my remorse for the late payment and asked if the $39.00 late fee could be reversed and if they could have the hit on my credit report removed. I was denied these requests on the basis of company policy that the account was over 30 days past due. The initial contact I made was through a redcard representative named Victoria who was rude, discourteous and unable to process my request on the basis of company policy.
I asked to speak with a higher up, she informed me she was a supervisor and again refused to budge on her position, I again asked for someone higher than her to speak with at which time she stated I would hear from someone within 24 hours. Approx. 7 hours later, I received a call from a RedCard Supervisor named Nadia, who did nothing but reinforce what the 1st person (Victoria) previously stated and refused to work with me. I was never late with any other payments, have a excellent credit history and was in total shock of the lack of empathy or the willingness to work with me on what was an accidental oversight.
What was more alarming was the way they made me feel as though I was someone who failed to live up to his responsibility, and the Supervisor, Nadia actually hung the phone up on me before the conversation was resolved to a mutual satisfaction not giving me another opportunity to finish my side of the story. Nadia stated my account was over 2 months past due with my last payment received in january however I made the $144.00 payment on March27th all to no avail as they had made up their minds they would play hardball with me and give little to no consideration of working with me.
I made the $144.00 payment, took a late payment hit on my credit history and was charged an additional $39.00 for late fees and they walked away feeling great abut the way they treated an excellent customer and consumer who made a 35 day honest oversight. Please help me!
Product or Service Mentioned: Td Bank Redcard Credit Card.
Reason of review: Poor customer service.
Monetary Loss: $39.
Preferred solution: Let the company propose a solution.
I didn't like: Way i was treated by redcard officials.