I have had a red card since 2013 and have been a loyal Target shopper for almost 2 decades. I have never made late payments or had a payment bounce once.
I received a letter in the mail today stating the payment I made on October 2nd was “returned” with no other information. I logged into the red card website and nothing looked wrong and the payment appeared to have gone through fine.
I spoke to a service rep who said it looked like my payment had been changed to another account—my old checking account that I hadn’t used to pay my target card for 3 YEARS. Apparently this old, inactive account was still stored in my red card account but since I’ve had my current, correct checking account auto-linked to pay my bill each month, I had no idea the other one was still stored in there. This month, I noticed the red card login screen was updated and different. The first rep I spoke to told me she figured the new login process might have switched to the old account (that I didn’t know was there) and then she transferred me to the accounting department.
I spoke to one rep who determined that my old, incorrect account was used and then told me she “unfortunately could not” waive a $27 fee, because this issue wasn’t Target’s fault. I asked to speak to a manager and that’s when the fun starts!
Latoya! You’re such a peach. You answered the phone with “what’s going on?”, sounding annoyed that you just had to do your job today. I still have no idea if someone updated you on what was going on but I went through the spiel anyway. You once again told me you couldn’t waive the fee, despite the fact that no one could tell me how my auto-linked account was switched in the first place, you insisted it was my fault.
Resigned, I asked if there was another person I could contact or submit a request in writing. I then *tried to say thank you* and you told me I was cutting you off and hung up on me.
I called back, told the supervisor I spoke to what happened, paid my account balance in full and closed my card completely.
TL;DR a rude customer service rep made me feel like a criminal and I closed a multi-thousand dollar line of credit over a $27 fee.