Target card - late payment
Date: Wed, 02/09/2011 - 07:36
I need help. I closed my account with Target as they constantly add late charges, and I have never been late with my payments. I have called, written and they still would not take charges off. I closed account and have been paying on time, however, they will not post the payment until after due date and then add late charges each month. I have proof I paid on time as I pay by banking on line. The are adding the charge every month and they even admitted to me on the phone they post late - will take charges off- but then will keep adding to bill. I do not know what else to do. They harrass me all hours of the day by phone as well. Please advise what I can do.
Hi! Welcome to the forums! If you have been making all the payme
Hi!
Welcome to the forums!
If you have been making all the payments on time, and still the target credit card is adding late charges, then they are doing a wrong thing. You can take legal action against them since you can prove that you have made all the payments on time. Whenever you talk to the representative of the company, make sure you record the conversation in a tape. This will help you prove that the company is illegally trying to make money out of you. As per FDCPA Act, the creditors or the collection agencies can't harass you. So, this company is breaking yet another law.
