Skip to main content
No. of Recommendations: 9
After looking at a LOT of blog posts about problems with Target Redcard billing, this is what I did:
(background: I made a charge on a Target CC, they never billed me, I forgot about it, and after I got a notice from a CA, I saw that they'd put a charge-off on my credit report).

I told the CA in writing I needed documentation.

I looked up the head of their credit department and sent a letter by registered mail. The letter had the facts as best I knew them, was friendly in tone, basically a "I know we can work this out" letter. Lots of "as soon as I see what I owe, I'll be happy to pay it." And some shmoozy stuff about how much I like Target, etc.

A few days ago, I got a phone call from Target Corp., collections division. They'd gotten my letter and wanted to work this out. I explained again what I felt happened, and the lady said she *thought* this was probably an issue with the post office erroneously returning my bill. This didn't make a ton of sense but she indicated this would fly with the credit bureau as to why I didn't pay. She went back to her supervisor with my responses.

She called later and offered to remove the charge-off on the credit report, and show that I was in good standing, if I let them do an electronic payment. They wanted the amount I charged, not the total shown on the account that included a lot of late fees.

I gave her the info she needed (I had looked up the number she called from earlier, and it was in the right area for Target Corp.). I did switch my overdraft protection to an account that didn't have much money in it in case this wasn't legit.

By 8-14, my credit report should be clear. She did say that after looking at my report, she could see why I was so...determined to deal with this.

I hope this isn't premature...but I think things are on the up-and-up and I've taken some protective steps.

This is the 3rd time I've challenged a billing issue that didn't seem to be accurate...THIS YEAR. It's starting to feel like "making stuff up" is a codified business practice.

And what's scary is that if I was as busy as I was a few years ago, I would have just paid whatever I was told I owed.

Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.