Targeted by TAR-ZHEY, Part Deux

Sorry for the delay in posting!

To recap: My daughter (aka The Best Daughter in the Whole Wide World) received notification from Target National Bank (aka Despicable Pieces of $h*t) lowering her credit limit based on purported negative credit report information from Experian. Knowing that all her accounts were in good status, TBDITWWW requested a credit report from Experian, fearing that someone may have stolen her identity. The credit report contained no negative information whatsoever. All accounts were valid and much to our relief, there was no sign of identity theft. Because all her accounts were in good standing, it seemed obvious to us that those DPOS were just fabricating an excuse to lower the credit limit.

So, armed with the positive credit report, TBDITWWW called the 800 number of those DPOS to express her displeasure at having been caused mental anguish by their dishonesty about her credit report. The customer service rep (better known as: person who lives in a foreign land) listened to her complaint and then told her she needed to take the matter up with Experian. No, she explained to the PWLIAFL, Experian has only positive information on my credit report, so that is why I am taking up the matter with you. You are claiming that my credit report has negative information, but it does not. She then expressed her displeasure at having been caused worry and anxiety over their false assertion. The PWLIAFL did not seem to get this. He kept telling her to take the matter up with Experian. Finally, after going around in circles for a while, she got the PWLIAFL to admit that the reason they lowered the credit limit is because she has not used the card enough. Never mind that she shops at Target all the time using cash, and that she is paying finance charges to those DPOS every month that are at usurious levels, this is apparently not enough for them. TBDITWWW then informed the PWLIAFL that she would not use the card again and would pay it off and close it as soon as she could, and the conversation ended at that.

Days later, a notice from those DPOS arrived in the mail informing TBDITWWW that her request to raise her credit limit had been denied! What nerve! At no time during the conversation with the PWLIAFL did TBDITWWW ask to have the credit limit restored to its former state. The call was solely to express extreme dissatisfaction with the false claim of those DPOS that there was negative information on her credit report, which had scared the bejesus out of both of us.

The end result of this unpleasant, uncalled for encounter is this: those DPOS have lost one credit card customer, and two Target customers. TBDITWWW will pay off the card as soon as possible, and then close the account. Neither of us will ever set foot in a Target store again. If Target National Bank will try to manipulate their customers to use their credit cards and punish them if they don't, what else are they capable of? We really don't know, but we don't want to find out. I hope they are satisfied. I know I am. We don't need to spend money on junk we can get anywhere else.

Happy Wednesday, Paycheckers!

Targeted by TAR-ZHEY, Part I

Having heard that many credit card issuers were lowering credit limits, even on customers with good credit, my daughter (aka The Best Daughter in the Whole Wide World) wasn't terribly surprised to receive a letter recently from Target National Bank Visa informing her that her limit had been lowered by a couple thousand dollars.

What did surprise her, however, were the reasons they gave. Page two of the letter claimed that the following two statements from Experian had the most influence on their decision:

• Lack Of Open Real Estate Accounts


• Number Of Recent Severely Delinquent Accounts

The first reason Re: lack of open real estate accounts is true. TBDITWWW has never owned property.

With regard to reason two, TBDITWWW has NEVER been delinquent, severely or otherwise, on ANY account in her life, and this statement caused both of us severe mental anguish due to our horrible suspicion that in order for Experian to report delinquencies on her credit report, someone must have stolen her identity.

As suggested in the letter from Target National Bank (aka Despicable Pieces of $h*t), TBDITWWW immediately requested her credit report from Experian, and we both nervously awaited its arrival, trying to figure out how best to handle a case of identity theft. We both had numerous sleepless nights worrying about it.

Well, the credit report arrived in about a week, and there were about 16 pages of accounts in good standing, and NO delinquencies at all. NOT ONE.

WTF? WTF*ingF??????????????? Those DPOS are lying.

TO BE CONTINUED....

Happy Wednesday, Paycheckers!