John Longmuir sent a message to Brian Cornell that said:
Dear Mr. Cornell,
I have been a Target customer all my life. My wife and I have spent thousands of dollars over the years with just the Red Card (which represents just a fraction of the total amount of purchases we've made). I made a my Target Red Card payment by phone on July 18th. I closed the checking account it was drawn from, on July 20, believing the Red Card payment had been made. The payment wasn't processed by Red Card until July 23rd. Evidently, per Red Card customer service, this caused the following: "Your bank returned the recent $299.85 payment because of insufficient funds. Your RedCard account was charged a $29 fee." I told Red Card customer service via a phone call what happened and asked that they credit back to me the fee. I think this is a legitimate request considering my excellent payment record in the past and that what happened here was, in my opinion, not my fault. Red card customer service said the fee could not be credited back to me.
In light of how Target Red Card handled this matter, I'm going to pay my balance today and close my Red Card account. I'm never going to shop at Target again and I'm going to ask everyone I know to do the same.