topic Re: (Help) Target REDcard - Wrongful Charge in Credit Cards

(Help) Target REDcard - Wrongful Charge

Anonymous — Thu, 28 Jan 2016 00:31:44 GMT

Last May, as my uncle was checking out, the cashier asked if he wanted to apply for REDcard. He told her yes. She got him set up, then charged the REDcard for the purchase ($44). He told her he did not want the purchase on his REDcard, and that he wants to put it on his Chase debit card. The cashier called the manager to authorize the return. The manager says everything is good to go, and the cashier then puts the purchase on his Chase debit card.

Fast foreward to today, my uncle gets a bill from Target for $279.89. The purchase had stayed on his REDcard and has been collecting late fees. How should he go about disputing this? He says that he hasn't received any bill prior to this one (I thought that was a bit odd as well). Any help would be greatly appreciated. Thank you, myFICO-ers!

Re: (Help) Target REDcard - Wrongful Charge

Callandra — Thu, 28 Jan 2016 00:40:08 GMT

I used to work at Target - it sounds like they did a post void (instead of a return). If I remember correctly, he should've gotten some sort of receipt (the store should have saved their copy) of the post void. I suggest he call Target Redcard and explain what happened and also go to the store (they can look it up in the back, even if they tell you they don't want to, they can!). Does he have the receipt for his debit card purchase still? That would help them find it.

Re: (Help) Target REDcard - Wrongful Charge

Ron1 — Thu, 28 Jan 2016 00:41:30 GMT

I am al little bit confused. How did $44 charges turned into $279.89? Did the cashier give the receipt for the purchase? Did your purchases debit from Chase Debit card? I think you should call Target Card services to dispute the charges.

Ron.

Re: (Help) Target REDcard - Wrongful Charge

Callandra — Thu, 28 Jan 2016 00:43:17 GMT

@Ron1 wrote:
I am al little bit confused. How did $44 charges turned into $279.89? Did the cashier give the receipt for the purchase? Did your purchases debit from Chase Debit card? I think you should call Target Card services to dispute the charges.

Ron.

Late fees? Interest?

It does seem like a lot (I sort of missed that before)...I wonder if there was a fraud charge? Does he have a statement with the purchase(s) for that time period?

Re: (Help) Target REDcard - Wrongful Charge

Ron1 — Thu, 28 Jan 2016 00:46:49 GMT

@Callandra wrote:
@Ron1 wrote:
I am al little bit confused. How did $44 charges turned into $279.89? Did the cashier give the receipt for the purchase? Did your purchases debit from Chase Debit card? I think you should call Target Card services to dispute the charges.

Ron.
Late fees? Interest?

It does seem like a lot (I sort of missed that before)...I wonder if there was a fraud charge? Does he have a statement with the purchase(s) for that time period?

Thanks for clarify!!! He shouldn't have keep dragging for that long. I think it went to collection. It has been eight months. He should have called Target Card to resolve the matters.

Ron.

@Callandra wrote:
@Ron1 wrote:
I am al little bit confused. How did $44 charges turned into $279.89? Did the cashier give the receipt for the purchase? Did your purchases debit from Chase Debit card? I think you should call Target Card services to dispute the charges.

Ron.
Late fees? Interest?

It does seem like a lot (I sort of missed that before)...I wonder if there was a fraud charge? Does he have a statement with the purchase(s) for that time period?

Re: (Help) Target REDcard - Wrongful Charge

Ron1 — Thu, 28 Jan 2016 01:36:50 GMT

Reading OP's post again, I do think that it is a bit odd that his uncle never received any kind of a bill regarding the charge. Even though that the account is probably past due/charged off at this point. I have a suggestion.

If he still has all the paperwork. aka. The voided/returned transaction receipt, the receipt or statement from his checking account showing the charge. I think that he can still plead his case with them.

Its probably a good idea for him to write them a letter explaining the situation: He opened the Target account but wanted to pay for the initial purchase on his debit card. Instead, they charged his debit card for the amount and also erroneously bill his Target card. He also need to tell them that he did not receive any bills or correspodence from them until recently. Finally, the letter should say something like he want the charges reversed and any negative credit reporting removed. Of course, he would need to enclose all supporting documentation to substantiate his claim.

I am also wondering if OP's uncle ever received his credit card.

I don't know if that would help but it certainly doesn't hurt to try.

Ron.

Re: (Help) Target REDcard - Wrongful Charge

jeter11 — Thu, 28 Jan 2016 01:19:28 GMT

Re: (Help) Target REDcard - Wrongful Charge

Anonymous — Thu, 28 Jan 2016 01:33:48 GMT

Ouch! I hope your uncle is able to get this sorted out. Actually, I hope Target takes care of it AND makes it worth his while.

Re: (Help) Target REDcard - Wrongful Charge

Anonymous — Thu, 28 Jan 2016 03:27:37 GMT

@Callandra wrote:
I used to work at Target - it sounds like they did a post void (instead of a return). If I remember correctly, he should've gotten some sort of receipt (the store should have saved their copy) of the post void. I suggest he call Target Redcard and explain what happened and also go to the store (they can look it up in the back, even if they tell you they don't want to, they can!). Does he have the receipt for his debit card purchase still? That would help them find it.

He called the number on the bill that Target sent him, and the rep gave him an address to send his dispute to. I did, however, give my uncle your advice of going back to that particular Target and explaining to them what happened. He no longer has the receipt, but he does have the charge reflected on his Chase statement.

@Callandra wrote:
@Ron1 wrote:
I am al little bit confused. How did $44 charges turned into $279.89? Did the cashier give the receipt for the purchase? Did your purchases debit from Chase Debit card? I think you should call Target Card services to dispute the charges.

Ron.
Late fees? Interest?

It does seem like a lot (I sort of missed that before)...I wonder if there was a fraud charge? Does he have a statement with the purchase(s) for that time period?

He claims to have never gotten any notice prior to the one today

@Ron1 wrote:
Reading OP's post again, I do think that it is a bit odd that his uncle never received any kind of a bill regarding the charge. Even though that the account is probably past due/charged off at this point. I have a suggestion.

If he still has all the paperwork. aka. The voided/returned transaction receipt, the receipt or statement from his checking account showing the charge. I think that he can still plead his case with them.

Its probably a good idea for him to write them a letter explaining the situation: He opened the Target account but wanted to pay for the initial purchase on his debit card. Instead, they charged his debit card for the amount and also erroneously bill his Target card. He also need to tell them that he did not receive any bills or correspodence from them until recently. Finally, the letter should say something like he want the charges reversed and any negative credit reporting removed. Of course, he would need to enclose all supporting documentation to substantiate his claim.

I am also wondering if OP's uncle ever received his credit card.

I don't know if that would help but it certainly doesn't hurt to try.

Ron.

This was the advice that I gave my uncle prior to creating this post. The bolded part, I thought, was the most important part of my advice to him, and I wanted to make sure that he understood to include it in his dispute letter. It is very strange to me that my uncle claims he never received any statement whatsoever until today. Stranger things have happened, I guess. Also, he did receive his REDcard.

I just wanted to reach out to the community to see if anyone else has had a similar experience. Perhaps save my uncle any extra headaches. Thanks everyone for your replies!

Re: (Help) Target REDcard - Wrongful Charge

Ron1 — Thu, 28 Jan 2016 04:04:08 GMT

Good luck, please keep us posted on what happens

Ron

Re: (Help) Target REDcard - Wrongful Charge

Callandra — Thu, 28 Jan 2016 04:13:43 GMT

Yes please let us know how it works out!

Re: (Help) Target REDcard - Wrongful Charge

Anonymous — Thu, 28 Jan 2016 06:21:36 GMT

From 44 to almost 280 that's a lot of late fee. Being late that many months sunrise card still open. Also that probably yanked his score to a point where he can't get any new card(s)