Over a year ago I set up automatic payments on target.com for three months. after the second payment plan i notice that my bill included late fees, so I called target and they stated that they never received a payment and that there system didn't show an automatic payment online. So I believed them thinking it might of been user error but after the second time that I received a late payment I knew something was wrong. Again I called and again I receive horrible customer service with hang ups reps being rude and of course I being the cause of error on why I received two late fees.

After many phone calls and many transfers I talk to a technical rep that helped me out with paying my late payment of 2 months and finding the reason why my payments weren't going through; There system wasn't accepting my bank routing number and they had to put it in themselves in order for it to work. Since the issue was targets fault I asked for them to credit the late fees and to also write in that this issue was theres so that my credit score wouldn't fall. It did I wrote into all of the credit companies and they couldn't fix the issue, so now i am screwed on my score with 3 late payments and a canceled account that was canceled by target without my consent.