Target National Bank Legalized Robbery Left w. $1! W 79th St.Bloomington Nationwide
I had a major flood in my basement a few years ago. I had already called two plumbers to see what they would charge. The third one, Two Plumbing Guys
said they would have to come out and see in order to give an estimate. That sounded reasonable, so I said ok. When they came out, I was told that they wouldn't even look until I signed a charge sheet. So I had to sign it. I used my Target visa card. Instead of telling me what they would charge, the two of them voluntarily began hauling things upstairs and outside. I finally had to practically trip one of them in order to get an answer to how much they would want. Their price was way out of line with any of the others I'd talked to, so I told them to get out. Before they were out of my driveway, I'd contacted Target and told them not to honor the charge slip they had.
Target paid them anyway.
I contacted them again when my bill came and got passed around until my hand was asleep and my battery dead. No one at Target would listen to me that this charge should not be paid.
Since Target chose to pay the frauds, I figure they are responsible-not me! Ever since then I have been getting harassing phone call sat all hours (I had to shut down the phone ringer.
Now I find my savings, and checking account have been completely drained! I was left with $1 to live on for three weeks. My pharmacy called and said the charge hadn't gone through, and I expect I will be getting other such messages from electricity, gas, etc.. I am handicapped and cannot work, yet they even deny me money for my medications and food.
I was not told of any court date, case number, or place, yet somehow it got through and the great state sitcks it to the private citizen again!!
Frozen One
Twin Cities, Minnesota
U.S.A.
6 Updates & Rebuttals
Thomas
Columbia Heights,Minnesota,
U.S.A.
Something is not right
#7UPDATE Employee
Sun, February 15, 2009
This is not Target National Bank's fault - The dispute falls under Visa's operating regs and rules, and therefore, since the cardholder signed the agreement/contract, there is nothing that TNB could do to resolve their dispute. So, how is it Target Visa's fault?!
Pardel
Bernie,Missouri,
U.S.A.
Dave re-read the post closely. . .
#7Consumer Suggestion
Sun, December 07, 2008
What the poster is saying (poster correct me if I am wrong) is this, he hired a contractor, unknowingly on his part, to do some work on flood damage that occurred at his home. He did not want to 'hire' the contractor he only wanted an estimate to 'hire' the contractor. However, the contractor obviously thought he was being 'hired' to do the work, when in fact he was not, the poster only wanted an estimate on the work. The contractor, thinking he was hired for the work, asked the poster to pay for the work in advance with a credit card, again the poster did not realize the contractor was under the impression he was being hired. Thinking this was just standard proceedure on the contractors part the poster gave the contractor his Target Visa card information.
When the contractor started to actually work on the job the poster had wanted the estimate for, the poster cornered the contractor and insisted the contractor tell him how much the work would cost (the poster still un-aware the contractor was under the impression he had been hired to do the actual work. Upon being told the price the contractor was charging, the poster told the contractor he did not want the contractor to do the work as his price was too high.
The contractor then billed the poster for agreed upon amount (remember the poster thought he was getting an estimate, not hiring the contractor). The poster then called his credit card company and asked them not to pay the contractor, of course this is not the proper way to resolve a dispute, so therefore the credit card company could not just 'not pay' the contractor. To cancel the transaction the poster would have had to do one of three things:
1. He could have asked the contractor to credit the amount back to his credit card.
2. He could have filed a dispute with the credit card company. (To do this he would have had to request a dispute form, fill it out and send the form back, then wait for it to be resolved throught the credit card company, usually taking between 30 to 90 days).
3. File a small claims suit against the contractor.
The poster decided since the credit card company paid the amount to the contractor after he called and told them not to (which of course is useless as a dispute has to go through the proper channels to accomplish) he would simply let the credit card take the loss and not pay the credit card company. The credit card company filed suit against him, though he states he did not know of the suit (there are different ways for the poster to be notified regardless if he 'knows' it or not: 1. by mail, 2. publish in paper, 3. by server. The credit card company then received a default judgement against the poster, since the poster is saying he did not know of the suit I am assuming he did not go to the hearing which automatically gives the credit card company a default judgement. The credit card company then used the judgement to freeze the posters bank account and confiscate any funds in them to off-set the judgement against him.
Bottom-line to the poster, nothing you can do now to stop the judgement other then file bankruptcy. Any money you earn, or bank accounts you have can be attached until the full amount of the judgement is met.
Dave
WR,Wisconsin,
U.S.A.
How did bank account drain? we need the facts
#7Consumer Comment
Sun, December 07, 2008
How did your bank account get drained if you uses your credit card? Seems that we are missing some facts here.
Dave
WR,Wisconsin,
U.S.A.
How did bank account drain? we need the facts
#7Consumer Comment
Sun, December 07, 2008
How did your bank account get drained if you uses your credit card? Seems that we are missing some facts here.
Dave
WR,Wisconsin,
U.S.A.
How did bank account drain? we need the facts
#7Consumer Comment
Sun, December 07, 2008
How did your bank account get drained if you uses your credit card? Seems that we are missing some facts here.
John
Takoma Park,Maryland,
U.S.A.
Huh? Is this a joke??
#7Consumer Comment
Sun, December 07, 2008
You said that you had a major flood "a few years ago," and you called plumbers to give you an estimate. They wouldn't look at the damage unless you signed what you call a charge slip- did it have an estimate amount on it? Why did you "have" to sign it? Why didn't you just send them away?
So you used your Target Visa Card. Target paid these guys- how much? Seems like it must have been thousands of dollars, because now you have no money in the bank (I thought you were going to conclude your missive by telling us that the town was about to evict you from your spot under the bridge.) You were charged a huge amount of money for an estimate? This seems pretty far-fetched to me.
So please, if you are legit, some details: how much did the estimate cost? How did this really "drain" your bank account? What does being handicapped have to do with anything (I am so sick of people writing Reports mentioning that they are Honest, Hard-Working, American, Christian, Handicapped, etc. etc. --for God's sake stop whining and stick to the facts, please.) Looking forward to hearing more about this.