The complaint has been investigated and
resolved to the customer's satisfactionResolved Target Corporation — debit card scam
resolved to the customer's satisfaction
I have shopped for years at this Target store as it is one of the limited choices we have in Jacksonville, NC. I have experienced bad service and attitude from a lot of the employees and overcharges at the register but this last experience really takes the cake. I had recently received a letter from Target stating that my Target card qualified me for 5% discount on all purchases made with my card. However when I went to use the card it was now closed due to inactivity. I decided to go ahead and get another card and went with the Target Red Debit card since I usually like to use cash. The cashier told me it was just like using a check or my own debit card and that the funds would just be transferred from my bank account. That sounded pretty good as I debit anyway and now I would get a 5% discount. I proceeded to make a $200 purchase that first day and when I received the debit card in the mail a week later, I went to the store and made another purchase for almost $200 again. The cashier at that time helped me locate a piggy bank that my son had been looking for so I proceeded back into the store to purchase it. That made my second transaction of the day. I went home but my daughter requested pain medication so I went back to the Target and got a basket of goods totaling about $40. Upon trying to use the debit card I was declined which totally threw me. I tried to ask the cashier what could be the problem since I had just used it but she smirked at me, shrugged her shoulders, and said there was nothing she could do to help me figure out what happened. I asked if the service desk would be able to help but she just shrugged her shoulders again and said I could try. The customers behind me were staring, the cashier was still smirking, and I was getting worried that my card and bank account had been tampered with. I quickly paid with my regular debit card which went through with no problem at all and rushed home to call the Target Debit card 1-888 number. I waited on hold for a while, explained my situation, and quickly got transferred to another division. I again waited a while and was finally greeted by an Indian lady who kept repeating the transactions I had completed during the day and that I had too many transactions and I had to wait a few days until the transactions cleared the system. What?! Who ever heard of a debit card that would only work twice every few days? When I asked her for details about how many transactions were allowed per how many days, she claimed that there was no way of knowing. I pointed out that the debit card was basically worthless than if I couldn't depend on using it and that I would never have signed up for a Target Debit card if I had known that it wasn't usable and that there would be not discount available. She said there was no way to know any details in order to clarify use of the card and when I asked to speak to someone who would know the details of the Target Red card, she said there was nobody who knew. I was flabbergasted! I asked her if she truly meant that Target offered a card without disclosing details to its consumers and she again reiterated that there was no way to know what kind of system the Target store had and that it would be dependant on several factors whether I would be able to use the Target Debit card on any given day but she didn't know what those factors are. I asked her if there was anybody at all I could speak with that could help me unravel the mysteries and she referred me to the 1-888 number I originally called. I pointed out that I had called that number and they transferred me to her since they said they couldn't help me but she kept saying I had to talk to them again. I asked her to transfer me back which she said she could but after waiting a while she said she couldn't transfer me at all and she hurriedly put me on hold listening to music before I could say anything. When I realized that she had left me hanging, I hung up and went through the whole rigamarole of the Target phone line and ended up with another Target associate finally. She cheerily explained that Target didn't "know" me and that they would limit my transactions until they did. When I asked her the time frame they would need to get to "know" me she said she didn't know and that I would have to use some other form of payment. I pointed out that the purpose of getting the card was to receive the 5% discount which their denials effectivedly canceled and she shrugged that off as unimportant. I pointed out that I had needlessly endured public humiliation due to their unpublished policies and she shrugged that off too. I finally pointed out that it seemed like a case of "bait and switch" since Target advertised a 5% discount if you used their Red Card but then they had these hidden policies that prevented you from using the card or receiving the discount you had bargained for. Instead you made purchases thinking you were getting the discount only to be denied the discount and instead receive a heaping dose of humiliation and condescending attitude from the cashier. She shrugged me off again but did throw me a bone by saying she would bring that issue up at her leadership meeting...hm, thanks for the help? I wrote to the Target customer service help email and received a message from another cheery Target associate who told me I needed to call this number, yep, you guessed it, the 1-888 number that I had been dealing with already! Um, thanks for the help again? I think that Target has been reduced to a scamming store if they are reduced to tricking customers with false advertised discounts and then brushing them off when they ask for help or clarification of policies. I am writing a letter to corporate officials and if I don't receive any response then I will definitely take my shopping elsewhere and advise others to do the same.