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 OVERCHARGED ON CARD AND NOBODY COULD REVERSE TRANSACTION
Posted Wed July 27, 2011 9:21 pm, by JENNIFER K. written to Target
Write a Letter to this Company | Rate this Company
I WAS IN TARGET ON ARTHUR KILL RD SATURDAY 7/25 DOING MY USUAL SHOPPING. WHEN IT CAME TIME TO PAY, I USED MY EBT CARD TO PAY FOR SOME OF THE FOOD PURCHASED WHICH COVERED ABOUT 64.00. THE BALANCE WAS 231.44 OF WHICH I TOLD THE CASHIER I WAS PUTTING 180.00 ON MY VISA CARD AND PAYING THE REST IN CASH. NEEDLESS TO SAY THE WHOLE AMOUNT WENT THROUGH, AND I DID NOT HAVE ENOUGH TO COVER IT. I WAS SENT TO CUSTOMER SERVICE TO HAVE THEM REVERSE THE TRANSACTION AND WAS TOLD NOTHING COULD BE DONE, IT HAD ALREADY GONE THROUGH. I TOLD THEM BECASUE OF THIS I WOULD BE CHARGED A FEE, AND WAS TOLD TO TRY AND PUT THE CASH IN THE NEXT DAY, WHICH WAS A SUNDAY TO COVER IT. ON MY WAY TO THE BANK EARLY SUNDAY, I CALLED TO CHECK AND THE TRANSACTION WENT THROUGH, AND I WAS CHARGED A FEE. I SHOP IN THIS STORE REGULARLY, AND WAS NOT EXPECTING FOR IT TO COST ME MORE MONEY THAN I CAN AFFORD. I AM A SINGLE MOM, AND AM ON A BUDGET, SO I CALCULATE MY TRANSACTIONS AND WHERE THE MONEY COMES OUT FROM CAREFULLY. THE FEE WAS 34.00 ON TOP OF THE 38.99 I WENT OVER MY LIMIT TOTALING 72.99 I'M SHORT FOR THIS WEEK. WITH MY RENT DUE, THIS DID NOT MAKE THINGS EASIER FOR ME.
I WOULD LIKE TARGET TO GIVE ME BACK THE 72.99 I WENT OVER INCLUDING THE FEE, POSSIBLY IN THE FORM OF A GIFT CARD SO THAT AT LEAST I CAN GET THINGS I NEED FOR MY SON AND I. DIAPERS AREN'T CHEAP. I DON'T WANT TO HAVE TO TAKE MY BUSINESS ELSEWHERE AS I HAVE ALWAYS ENJOYED SHOPPING THERE. I JUST WANT RETRIBUTION FOR MONIES LOST TO A MOM WHO CAN'T AFFORD TO LOSE MONEY.
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by Applejacker Posted Sun August 7, 2011 @ 1:50 PM
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1) It was simple cashier error
2) The fee was $34. You received items in return for $51.34, whether
part of that amount went over your limit or not, therefore there is no
reason for them to give that money back and let you keep the items
too.
3) An apologetic gift card or refund for $34 would be a reasonable
offer for the error from the store.
4) Take you story to your bank. Very often they will reverse the OL
Fee if they know it was not your fault.
5) If you are at your credit card limit, you are making payments, then
charging back those same payments, resulting in vicious costly cycle
of endless interest fees. If you "can't afford to lose money" I'd
highly suggest cutting up that card as your first courageous step.
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by Matt M. Posted Fri July 29, 2011 @ 6:05 PM
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I don't know if this is the same at your Target, but the one I shop at
asks you, after you swipe your card, if you want to put the whole
amount on that card.
The other problem is that once the transaction is complete, it cannot
be stopped. They could have tried to refund the transaction, but if
it was a debit card, it would have done no good since refunds are not
instant (usually take about 2-5 business days depending on the bank).
That might be why they did not process the refund. Had they done
that, and tried to do the transaction again, your account would have
been overdrawn a second time because the refund had not gone through.
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by Mel2007 Posted Thu July 28, 2011 @ 7:12 PM
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Why would Target give you back the $38.99 wasn't that amount you
wanted to pay with cash? I would put that amount in the bank then all
you have is the $34.00 dollar overdraft charge.
I am sorry this happened to you, I would think they could reverse it
but not sure how.
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by PepperElf Posted Thu July 28, 2011 @ 3:09 PM
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I don't know if it's done like this today but... at my first retail
job, cash payments had to be entered in FIRST because once you went
to a credit card it would run the whole amount.
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I think this would have worked better if you'd sorted your items into
two transactions: One for food for your ebt card, and the other
transaction (which I believe should have been handled by taking cash
first, then running your card based on the new final total, after the
cash amount had been deducted).
While I think you should have handled this to start with, once the
cashier knew what you wanted to do, she probably should have voided
the entire transaction and started over.
Next time, I suggest you handle things in this manner, if only for
your own protection of your debit card/account.
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by Lisa H. Posted Thu July 28, 2011 @ 9:55 AM
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I can understand wanting the fee refunded, but why should they pay for
the amount you were over? I assume that was for things you bought and
took home?
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by biomajor Posted Wed July 27, 2011 @ 11:20 PM
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If you were planning to pay part of the balance in Cash, then you
still should have that cash to deposit into your account or to spend.
The bank's fee is another story, but you could have changed this
outcome yourself. Every time I have shopped at Target, the system
prompts me to approve the amount of the transaction.
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