@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!
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