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Business Profile

Credit Cards and Plans

Target Card

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Cards and Plans.

Important information

  • Customer Complaint:
    It has been the BBB's experience that the company has responded promptly and given appropriate consideration to all complaints presented by the BBB.

Complaints

This profile includes complaints for Target Card's headquarters and its corporate-owned locations. To view all corporate locations, see

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Target Card has 6 locations, listed below.

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    Customer Complaints Summary

    • 792 total complaints in the last 3 years.
    • 323 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/28/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 5/6/25, I noticed that a payment, to Target, in the amount of $371.85, due on 5/3/25, had been taken out of my checking account twice. After several frustrating calls of being transferred over and over again, I sent an email to the CEO, B**** C*****, pleading for his help. I explained that I am a senior citizen living on my Social Security check and I budget my money to the penny every month. I received a call from S**** T. He asked me if I had made the payment twice. I assured him I had not (even if I had, am I not entitled to get my money back?). His response was “probably a glitch in our new computer system.” I told him I needed the money to pay my monthly health insurance. He advised me that he would overnight a check to me on May 9th, which means I should have gotten it by the 12th, at the latest. The 12th came and went and no check. I emailed S****. (my Target statement shows $371.85 was taken out of my account on the 14th so the promise of the 9th was a complete and utter lie!) NO RESPONSE! His next email was on the 15th, advising me that a check would be sent “overnight” that same day. Twice, I asked him to send me the shipping company name and tracking number. NO RESPONSE! My last two emails to S***** were on 5/20/25 and on 5/22/25, again, asking for my money. In addition, instructing him to close my account and to issue a check for $26.81, representing the outstanding credit in the account and to confirm when I could expect delivery of the same. NO RESPONSE! To-date: 5/27/25, I have not received either refund or any further correspondence from S**** T. and/or from Mr. C****, who I had copied on all correspondence. I have been a loyal Target customer for over 30 years, in California, New York and now in North Carolina. It is truly sickening to see that these executives can mistreat and mislead their customers, let along a senior citizen, just because they feel they can.

      Business Response

      Date: 06/11/2025

      Response attached.

      Customer Answer

      Date: 06/18/2025

       I am rejecting this response because:  Yet again,
      Target refuses to take ownership of their despicable behavior; first by their
      CEO, B**** C**** and Credit Executive, S**** T. and now by this insulting
      response, using words such as “frustration,” and “thank you for contacting us
      and letting us know about your concerns.” 
      They have shown no remorse for what they have put me through and their continued
      chain of lies. They have the audacity to say 
      that I will receive my refund “within ten days!”  I’ve been waiting for this refund since
      5/12/25. Lastly, I find it interesting that their original refund check just
      happened to have gotten lost!  TRULY DISGRACEFUL!!!





      Customer Answer

      Date: 06/23/2025

      Want to make sure that my complaint, Target's response and my regection to said response is posted on the BBB website that other consumers are ablew to see Target's continuous lies.


      Thank you.

    • Initial Complaint

      Date:10/17/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      After waiting almost a month following the expiration of my Target Red Card, I received my replacement Circle Card. I called Target to activate the card and the Target employee declared the card to be "activated" It was not. On October 16, 2024, I attempted to access the account and the system did not recognize my card number. I spoke to another Target employee who, once again, declared the card to be "activated". And again it was not. So I spoke to yet another Target employee who told me that the new card I received which allegedly was "activated" twice by Target was, in actuality, the "old card" - it was not. I was then advised that the real new card was issued on October 10, 2024 and will not be received until near end of month. Quite frankly, there is not much credibility with Target's performance to date. The card offers purchase discounts that I am missing. Any influence the BBB can assert to settle this matter would be appreciated.

      Business Response

      Date: 10/22/2024

      BBB NOTE: Consumer contacted BBB 10-22-24, saying issue has been resolved.

    • Initial Complaint

      Date:09/16/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have a Target credit card. Their website has had consistent issues making it impossible for me to pay my bill. On several occasions their system would state my password was not correct, even after I updated the password. It would then lock me out of the system for several days before allowing me to reset the password. On one occasion I had to wait on hold for over an hour for a representative to manually unlock the account which took them a while to do because they too were having a problem with their system. On September 12, 2024 I again encountered a problem with the system. I could not access my account via my phone or my laptop. I attempted on Sept 12 and 13 and 14 to pay and was completely locked out and not permitted to reset my password. On the 15th, the system finally unlocked allowed me to reset my password and make a payment. However I was given a $50 late fee.I called Target two times the first I spoke with a supervisor named ***** who did not initially identify themselves of what their name was and their title refused to give me their Employee Identification Number. The second representative ***** (ID #*****. Both representatives told me it does not matter that I could not get into their system. I would have to pay the late fee because they reimbursed me twice in the last year for the same reason. I reminded them that the fee was reimbursed because the problem was that their system would not let me pay my bill. Both said they could nothing further for me and would send me to a supervisor who managed these issues.I am beyond enraged and at this point believe Target may be doing fraudulent things with their system to make it so that card holders are not able to pay their bill electronically and incur high fees.The resolution I would like is the fee removed from my account and someone to fix the system so I don't have this issue in the future.

      Business Response

      Date: 09/30/2024

      Response attached. 

    • Initial Complaint

      Date:03/31/2023

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Company recently sent me red card after I requested over a year ago went to register it and its still not enabling me to do so. Evidently an old card that was lost was used once and this was long since remedied over 2 years ago not sure why this is still an issue Register card remove whatever restriction you have in place as this was said to have been done sometime ago

      Business Response

      Date: 04/07/2023

      Response Attached

    • Initial Complaint

      Date:03/27/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the ***** unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Target ************

      Business Response

      Date: 04/07/2023

      Response attached. 

    Target Card is NOT a BBB Accredited Business.

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