Target Card

Initial Business Response / [redacted] (1000, 5, 2016/01/29) */ January 28, [redacted] St Paul MN Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for any confusion while updating your bank information and any resulting returned payment fees being assessed to your Target Credit CardTM account Please remember, any time you're updating online payment information, you will need to update your auto pay information separately to reflect the new bank account number you would like to usePlease call us at (888) [redacted] with any questions while updating your information to help ensure your payments are processed properly As a one-time courtesy we've credited the $returned payment fee that was assessed on January 8, You'll see this credit adjustment on your next statement Thank you for the opportunity to respond Sincerely, Darren [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 7, 2016/01/04) */ January 4, [redacted] Canton GA 30115- Your Letter to the Revdex.com Dear Ms [redacted] : We're sorry for your frustration with your accountThank you for sharing your experience with usWe use feedback like yours to continue to provide exceptional service to all our guests Payments are due on or before the due date listed on your statement otherwise, a late fee and interest charges may be assessed to the accountOur records indicate that payments on your account were made one day after the due date in August, October, and NovemberYour payment was received days after your due date in September Please know we post payments to accounts the day they are receivedWe spoke with you on December 14, 2015, and as a guest courtesy, we credited the late fees assessed in August and SeptemberWe respectfully decline to waive additional late fees on your account because they were not a result of a Target error We recommend checking with your bank to see if there have been any recent changes to how they process electronic paymentsKeep in mind that weekends and holidays can delay electronic bill payments depending on how a bank processes their electronic paymentsInitiating your electronic payments sooner would allow for irregularities in your banks bill pay process Please also keep in mind that you can always enroll in Manage My REDcardTM online and make a payment through our online websitePayments received by P.MCentral Time (CT) will post to the account the same dayIn addition you can always take your payment to your local Target store or call us at (800) [redacted] and make a payment over the phonePhone payments made by P.MCT will post to your account the same day Thank you for giving us the opportunity to respond Sincerely, Gene [redacted] Target Card Services Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (3000, 9, 2016/01/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) We paid the account on time as noted they posted it a day or two later after they processed itThe money shows it was paid timely by our bank, Final Business Response / [redacted] (4000, 11, 2016/01/14) */ January 14, [redacted] Canton GA 30115- Your Letter to the Revdex.com Dear Ms [redacted] : We're sorry for your continued frustration with your account We stand by our previous responseWe post payments to accounts the day they are received and we are unable to control when your bank submits a payment to usAlthough a payment can clear your bank account, there might be a delay in your bank sending it to usAs a guest courtesy, the late fees assessed in August and September were already creditedWe respectfully decline to waive additional late fees on your account because they were not a result of a Target error We closed your account at your request on January 6, We regret that this has affected your relationship with Target Sincerely, Gene [redacted] Target Card Services Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 5, 2016/03/04) */ March 4, [redacted] Succasunna NJ Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for the frustration you've experienced regarding the returned payment assessed to your TargetTM MasterCard(r) accountWe also regret if you didn't receive the service you have come to expect from Target when you spoke with our phone representativesPlease know we strive to provide excellent service to all of our guests and are sorry to hear that was not your experience After reviewing your account we see the online payment of $20.42, submitted on February 6, 2016, was returned by your bank on February 10, The payment was returned due to insufficient fundsAlso on February 10th, we can see that you updated your banking account information stored in your REDcardTM Account Management profileYou made a replacement payment on February 15, in the amount of $Thank you for your payment Although we are sympathetic to your situation, we are unable to waive the $returned payment fee that was assessed on February 10, because it was not due to a Target errorWe know this isn't the outcome you had wanted but please know that we must be consistent in our credit policies in fairness to all our accountholders Thank you for the opportunity to respond Sincerely, Tina [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, and TargetTM MasterCard(r)Subject to application approval (Target MasterCard not available to new applicants)The REDcard credit cards (Target Credit Card and Target MasterCard) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationMasterCard is a registered trademark of MasterCard International, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/03/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) As discussed with your customer service this is a mistake on Target's partThe account in question was removed through your web portal, but never updated on your siteThen the other account was selected for payment, but your website still chose the wrong accountThe old account was removed due to fraudulent charges and is no longer in use, which once again, you're company was advised of What is more upsetting about this is the first representative I had spoken with stated that the charge would be removedI would like this cleared up immediately, and as before a formal apology written It is not my fault that your portal did not remove the account when told to as well as charged the wrong accountNor should I be held responsible because of it Final Business Response / [redacted] (4000, 9, 2016/03/15) */ March 15, [redacted] Succasunna NJ Your Letter to the Revdex.com Dear [redacted] : We received your additional correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We regret your disappointment with our response to your request for a returned payment fee removal; however, we stand by our previous responseBecause the fee was not assessed as a result of a Target error we are unable to remove it from your account We're sorry if there was any miscommunication regarding the fee when you spoke with one of our phone representatives but we have to remain consistent in our policies in fairness to all our accountholders Sincerely, Tina [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, and TargetTM MasterCard(r)Subject to application approval (Target MasterCard not available to new applicants)The REDcard credit cards (Target Credit Card and Target MasterCard) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationMasterCard is a registered trademark of MasterCard International, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 12, 2015/10/13) */ October 13, [redacted] Genoa City WI 53125- Your Letter to the Revdex.com Dear Ms***: We received your correspondence forwarded to us by the Revdex.com of Minnesota and North DakotaWe're sorry for your disappointment with the credit limit on your accountYour credit limit was reduced to $1,on September 5, We do understand your frustration with your limit being reducedHowever, please know that within the terms of the Credit Card Agreement it is outlined that we may make adjustments to an accountholder's credit limit at any time, for any reason not prohibited by law including, but not limited to: changes to their credit capacity, pattern of payments to us, or their purchasing behaviorIn accordance with this we have an automated process in place to review accounts, which may result in reducing a credit limit At this time, we are not offering instant same day credit limit increasesIn order to be eligible for our monthly credit limit review process we require updated income informationYou may call us at (888) [redacted] or access your account through REDcardTM Account Management to provide us with this informationIf you qualify for an increase, you will be notified by letter and you will see the increase reflected on your monthly statement We regret that this restricts your purchasing powerWe know this isn't the outcome you had wanted but we hope you'll understand that our lending practices must be consistently and equally applied to all our accounts We value your feedback and appreciate you sharing your experience as we're always looking to make adjustments within our policies that lead to more favorable changes for our guests Thank you for the opportunity to respond Sincerely, Gene [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA Initial Consumer Rebuttal / [redacted] (3000, 14, 2015/10/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is completely unacceptable to lower someone's credit limit due to them not purchasing for a few months! I have been a credit card customer for 15yrs approxand I a store cash paying customer several years before that! I should NOT HAVE TO go to their website and do a financial form to see if I qualify so that my credit score is nickedI work WAY to hard to keep my credit EXCELLENT and this lower limit has jeopardized that and I am not having it! If my limit was HIGHER I would be more apt to use it as I refuse to allow my purchase total to be more then half the credit limit amount(because as you know that also hurts my credit score) - I think it is REALLY crappy that you treat good honest loyal customers like this and I will only ask one more time to raise my credit limit like it should have been in the first place! Final Business Response / [redacted] (4000, 16, 2015/10/22) */ October 22, [redacted] Genoa City WI 53125- Your Letter to the Revdex.com Dear Ms***: We received your additional correspondence forwarded to us by the Revdex.com of Minnesota and North DakotaWe're sorry for your disappointment with our previous response and the credit limit review process We stand by our previous response because we are required to be consistent in our policies in fairness to all our accountholdersPlease know that the only way to be considered for a credit limit increase is to provide us with your updated income informationWe are required by federal regulations to have updated income on file in order to include an accountholder in the credit limit review processWe understand that you do not want to provide this information but please know that no additional hard credit bureau inquiry is made as part of this review process We appreciate your long standing patronage and hope to see you at Target again soon Sincerely, Gene [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 5, 2015/10/30) */ October 30, [redacted] Salt Lake City UT Your Letter to the Revdex.com Dear [redacted] , We received your correspondence forwarded to us by the Better Business Bureau of Minnesota and North Dakota We're sorry for your frustration with this situationOn June 16th, we sent a letter to your billing address and the Revdex.com advising we had stopped collection efforts on your $balance as a courtesy We reviewed your account with the collections department and found you owed $from a $charge from November 6, and a $feeWe've also stopped collection efforts on the $amount On February 17, 2015, we changed your account number and sent out a new cardIf you need to change your account number again, please contact us at (888)729-Please know that we are in the process of issuing the chip and pin cards to all of our cardholdersIf you have not received yours yet you should expect to receive it in the coming months Thank you for the opportunity to respond Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/10/30) */ (The consumer indicated he/she ACCEPTED the response from the business.) Just make sure my phone calls are not rerouted to collectionsThe

Initial Business Response / [redacted] (1000, 7, 2015/11/11) */ November 10, [redacted] Coatesville PA Your Letter to the Revdex.com Dear Mr [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We appreciate the time you've taken to let us know about your concerns We understand your frustration with no longer being able to make purchases on the Target.com websiteHowever, because of recurring irregularities in your Target.com activity, we stand behind the decision to limit your Target.com privilegesPlease know that per the terms and conditions of the Target.com website, Target reserves the right to terminate your use and to block future access to the site and you agree that we shall not be liable to you or any third party for any termination of your access to the site Thank you for your long standing patronage and your enthusiasm for TargetTMWe hope to see you at a Target store soon Sincerely, Gene [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/11/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) You won't be liable for revoking my privileges that I agreed to when I signed up for the red card? Counter intuitive logic thereI want a more in depth answerI've had some returns, but nothing "irregular" Final Business Response / [redacted] (4000, 11, 2015/11/20) */ November 20, [redacted] Coatesville PA Your Letter to the Revdex.com Dear Mr [redacted] : We received your additional correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for your continued frustration, however; we stand by our previous decision to limit your Target.com privileges as a result of previous activity on your Target.com account Thank you for the opportunity to respond Sincerely, Gene [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 7, 2016/01/27) */ January 27, [redacted] Lexington SC 29073- Your Letter to the Revdex.com Dear Ms [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We sorry for the frustration you've experienced regarding your accountWe're committed to providing exceptional service to all our guests, and we're sorry if that wasn't your experience We regret your disappointment with the online system for making payments and we apologize for the inconvenienceWe're aware of the issue and are looking into a fixIn the meantime, you can make payments for free over the phone, at a Target store with your statement, or you can mail your payment to: Target Card Services [redacted] Dallas, TX 75266- Please know closing an account does not change the terms and conditions of an account nor does it exclude accounts from options offered to all accountholdersWe're sorry but at this time we are not reviewing current accounts for lower interest ratesWe hope you'll understand we must be consistent with our policies in fairness to all of our accountholders We appreciate the opportunity to respond Sincerely, Gene [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (3000, 9, 2016/01/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) Dear Target, When online payment services are restored to closed accounts I will then be satisfiedNo explanation has been given as to why this payment option was discontinued for closed accountsCustomers who have chosen to close their accounts are being discriminated against for doing soUp until last month I had been able to make my payments onlineI was not even notified there had been a change in policy [redacted]

April 4, [redacted] Springfield NJ 07081- Your Letter to the Revdex.com Dear Ms [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We’re sorry for your disappointment with your Target Credit CardTMThank you for sharing your situationWe continually evaluate and use feedback to continue to support our mission of always providing an excellent experience for all of our Target guests Please remember that under the terms of your Credit Card Agreement, a minimum payment amount is due each month you carry a balance on your accountThis payment is due on or before the same day of the month otherwise, a late fee and interest charges may be assessed to the account Our records indicate that on your statement dated September 13, a minimum payment of $was due by October 10, You charged $on August 27th and paid $on September 8thAnother charge of $was made on September 9, We did not receive payments from you until a $payment was received on December 9, As a guest courtesy our representatives removed the interest charges for September, October and NovemberAs an additional guest courtesy, we removed the $ late fee assessed on December 10, Our research indicates your $payment paid off your purchase balanceThe remaining balance is now late fees and interst charges totaling $We brought your account to a zero balanceAs an additional guest courtesy, the late payment history was removed for December 2015, January, February and March We appreciate the opportunity to respond Sincerely, Gene [redacted] Target Card Services Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM and TargetTM MasterCard®Subject to application approval (Target MasterCard not available to new applicants)The REDcard credit cards (Target Credit Card and Target MasterCard) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedPat 7,562, and 8,117,

Initial Business Response / [redacted] (1000, 7, 2015/09/10) */ September 10, [redacted] Bakersfield CA 93313- Your Letter to the Revdex.com Dear Mr [redacted] : We're sorry for your experience and any misunderstanding regarding the REDcardTM application Thank you for sharing your experience with usPlease know that we continually evaluate and use feedback to support our mission of always providing excellent service to our Target guestsPlease be assured it was not our intention to mislead you in any wayWe offer Target guests an opportunity to save 5% every day on all qualifying purchases when using a REDcard Our records indicate your account was opened on May 30th with a purchase of $Because we did not receive a payment from you by your due date of July 25th, a late fee of $was assessedAs a courtesy we did waive this late fee on August 5, We also see that another purchase was made with your card on July 25th for $Again, because we did not receive a payment by your due date of August 25th, a second late fee of $was assessed Thank you for your payment of $on September 6thAs an additional courtesy we have waived the remaining balance of $However, we are unable to remove this inquiry from your credit report because you did use the account and we are required to retain application information Your account is still openIf you wish to close the account you may call (888) [redacted] We regret your frustration and we're sorry this has affected your relationship with Target Sincerely, Gene [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 17, 2015/12/11) */ December 11, [redacted] Baltimore MD 21208- Your Letter to the Revdex.com Dear Ms [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for the frustration you have experienced with your Target Debit CardTMPlease know our processing of transactions, including the return process, for the Target Debit Card have not changed Our records show that returns made on your Target Debit Card were submitted to your bank for deposit into your bank accountIf you are questioning specific transactions we ask that you get in contact with your bank to inquire about these transactions If after speaking to your bank you still dispute the returns being made to your account, please send us detailed information about the specific transactions in questionPlease send this information to: Target Card Services [redacted] Minneapolis MN 55440- Thank you for the opportunity to respond Sincerely, Gene [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] The Bullseye Design, Target and Expect MorePay LessTM REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 12, 2015/09/21) */ September 18, [redacted] Pittsburgh PA 15236- Your Letter to the Revdex.com Dear [redacted] : We're sorry for your frustration regarding the use of Target GiftCardsTM as payment toward your REDcardTMWe regret your disappointment but at this time our systems aren't set up to take GiftCards as payments on a REDcard account Thank you for sharing your experience with usPlease know that we continually evaluate and use feedback to support our mission of always providing excellent service to our Target guestsYour feedback helps us make our stores, merchandise and services better for every guest Thank you for the opportunity to respond Sincerely, Gene [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (3000, 14, 2015/10/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) Target is refusing to accept their own money as a form of paymentThey don't care about their customers and are happy to loose themEver since the company was hacked and identities were stolen, Target has gone downhillThey will not be proactive to improve themselves and the relationship that they have with their customersWhen deficiencies are brought to their attention, they choose to ignore them and maintain a "wait and see" attitude

Initial Business Response / [redacted] (1000, 5, 2015/12/29) */ December 29, [redacted] Gaithersburg MD Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for your frustration with late fees being assessed to your accountWe're also sorry if you did not receive your card or your monthly statementsWe see that statements were sent to you and none were returned as undeliverable by the United States Post Office Our records indicate you opened up a Target Credit CardTM with us in July On September 16th, you contacted us and advised our representatives you did not open this account and did not purchase the television that was charged using this Target Credit CardAs a result we changed the account number and sent an affidavit of fraud to the billing address on the account; which was the same address used when the account was opened On November 1st, we received a letter from you stating the account and the purchase were valid and no longer a fraud issueOn that same date, we credited the $late fee that was assessed on September 1stWe did not receive any payments towards your balance for your August, September, October, or November statementsWe received your $payment, which was your original purchase total, on November 14th As a courtesy, we waived the remaining fee balance of $that remains on your accountYou'll see these credits on your next billing statementPer your request, your account was permanently closed on November 14th, Thank you for the opportunity to respond Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 5, 2015/07/23) */ July 20, [redacted] Upper Saddle River NJ Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for your frustrationAs stated in the terms of your Target Credit CardTM, "we may, but are not required to, approve transactions that exceed your credit limit without liability to you and without obligating us to do so in the futureYou agree to prevent your account balance from exceeding the credit limit" Our records show you are enrolled in Manage My REDcardTMYou may check your Manage My REDcard account or contact us by phone at any time to find out your balance At this time, we are not offering instant same day credit limit increases; however, we do have a monthly credit limit review processTo be eligible for that process, we require updated income information on your accountIf you qualify for an increase, you will be notified by letter and you will see the increase reflected on your monthly statement If you would like to update the income associated with your account to ensure you're eligible for the monthly review please give us a call at (888) [redacted] and when prompted indicate you would like to speak to a team member Thank you for the opportunity to respond Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week The REDcardTM credit cards are issued by TD Bank USA, N.AThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseVisa is a registered trademark of Visa USA, IncREDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I will defer to my original complaintWhy did they allow me an 18.65% overage of my credit limit without notifying me of suchIt is a check and balance businessWhat is Target's policy: accounts are allotted an "X%" overage before declining charges? Someone made a big mistake and now I am paying for it @ 25% interest per annumNo admittance to the mistake but a cut and paste responseNot a great check and balance systemYet I have received Target sales notifications everyday at 2x per dayAgain if they would have declined my purchase anywhere along the over the limit amount I would have paid in a different method Obviously this is a cut and paste response because they are so concerned with my situationI was a true believer in Target up to this pointThey even contacted me when I first relocated to NJ ( they did not know I relocated) to see if I was making any purchases thereThat is a check and balance systemYet this slipped by them Here's my remedyObviously I spent the money and am will pay the amount over my credit limitI request the interest on the amount over my limit be waived Final Business Response / [redacted] (4000, 9, 2015/08/03) */ July 30, [redacted] Upper Saddle River NJ Your Letter to the Revdex.com Dear [redacted] : We received your further correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for your disappointment with our responsePlease remember that we offer several ways to monitor your limit on your account You may check your limit at any time using Manage My REDcardTMYou may also contact us by phone at (888) [redacted] to find out your balance at any timeYou can request to have statements mailed to your billing addressIf you would like to change your statement delivery method back to paper you can do so at any time on Manage My REDcardTo change the statement delivery method, click on "change statement delivery" and then click on "paper and online view"For more help with your statement delivery method, give us a call at (800) [redacted] You can continue to view your statements online through Manage My REDcard As a courtesy, we've waived the interest charge from your July statementYou'll see that credit on your next billing statementWe're sorry but because the interest fees on your account were assessed per the terms of the account agreement, we are unable to credit them to your account each monthAlthough we know this is not the outcome you had wanted, we hope you'll understand that we must remain consistent in our credit policies in fairness to all our accountholders Thank you for the opportunity to respond Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week The REDcardTM credit cards are issued by TD Bank USA, N.AThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseVisa is a registered trademark of Visa USA, IncREDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards

Initial Business Response / [redacted] (1000, 5, 2015/09/24) */ September 24, [redacted] Raleigh NC Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry to hear that you did not receive your June statementWe mailed it on June 15, 2015, to the billing address you provided at the time of your application, and the US Postal Service did not return it to us as undeliverable Please remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every month in order to avoid late fees and interest chargesYou can view your account online or call us anytime at (800) [redacted] if you need to be advised of your current due amountVisit target.com/rcam if you are interested in enrolling in Manage My REDcardTM, which allows you to view your statements and make payments online at any time As a courtesy, we've credited all remaining fees assessed to your account, totaling $This has created a zero balance on your account and you'll see these credit adjustments on your next statementWe've also removed any past due payment history from your account Thank you for the opportunity to respond Sincerely, Darren [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 12, 2015/08/31) */ August 31, [redacted] Wynne AR 72396- Your Letter to the Revdex.com Dear Ms [redacted] : We're sorry for any inconvenience caused by the lowering of your account credit limitOur records indicate you opened the account on July 15, 2013, and your credit limit was lowered on January 13, 2015, due to inactivity on the accountWe're also sorry for not sending a notice regarding your limit being loweredHowever, we do print your current credit limit on your statement At this time, we are not offering instant same day credit limit increasesWe see you are eligible for our monthly credit limit review process because you updated your income information through REDcardTM Account ManagementIf you qualify for an increase, you will be notified by letter and you will see the increase reflected on your monthly statement Thank you for sharing your experienceWe value your feedback as we're always looking to make adjustments within our policies and procedures that lead to favorable changes for our guests Thank you for your long standing patronage and the opportunity to respond Sincerely, Gene [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a week The REDcardTM credit cards are issued by TD Bank USA, N.AThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseVisa is a registered trademark of Visa USA, IncREDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards Initial Consumer Rebuttal / [redacted] (3000, 14, 2015/08/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am on paperless statements so I would not see any decrease in credit because I don't log into an account that I don't have to make a payment onThis has happened before with my account I opened in on which I NEVER even got a credit limit increase for years! After you closed my account in I had to reapply which caused me a hard pull on my creditYour practice of closing accounts or decreasing limits are unacceptableI will not be satisfied unless I get the limit back that I had Final Consumer Response / [redacted] (3000, 25, 2015/10/12) */ The issue was not resolved! They sent a duplicate response the second time identical to the first one Final Business Response / [redacted] (4000, 27, 2015/10/22) */ October 22, [redacted] Wynne AR 72396- Your Letter to the Revdex.com Dear Ms [redacted] : We're sorry for your disappointment with the credit limit on your account We do understand your frustration with your limit being reducedHowever, please know that within the terms of the Credit Card Agreement it is outlined that we may make adjustments to an accountholder's credit limit at any time, for any reason not prohibited by law including, but not limited to: changes to their credit capacity, pattern of payments to us, or their purchasing behaviorIn accordance with this we have an automated process in place to review accounts, which may result in credit limit changes We regret that this restricts your purchasing powerWe know this isn't the outcome you had wanted but we hope you'll understand that our lending practices must be consistently and equally applied to all our accountsFor that reason we are not able to manually change your credit limitYou will be included in our systematic credit limit review and if your limit is increased you will be notified on your billing statement Sincerely, Gene [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 5, 2015/10/20) */ October 20, [redacted] Waterford Works NJ Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Better Business Bureau of Minnesota and North Dakota We're sorry for your frustrationBecause the merchant Peter Shields only had your old account number on file, they processed your $credit to that numberOn October 9th, we transferred the credit to your account ending in You'll see the credit on your next billing statement You also received a credit of $from the merchant Paul's TV on August 10thYour account was also credited by Target in the amount of $on August 21st in error during the fraud report processBoth credits appear on your August statementBecause two credits had posted to your account in error, we recharged your account on October 10th in the amount of $ A charge of $from Wigsalondotcom also posted to your account on October 1st along with a $credit on October 13th from the same merchantYour above referenced $credit and $charge bring your current balance to $If you still have further questions regarding your current balance, please contact us at (888) 755- You're a valued Target Credit CardTM holder and we appreciate your business Thank you for the opportunity to respond Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) the $was recharged to my account on the September statement after already being on my August statementthis was one of the stolen items so why am I being charged again or it after I had been charged and given credit for it on august statement? I should have a credit balance o after the charge and credit of was issued on the wig I purchased and my $credit from 9/was issued Final Business Response / [redacted] (4000, 10, 2015/10/29) */ October 29, [redacted] Waterford Works NJ Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for your continued frustrationOn August 10th, the merchant, Paul's TV, issued a refund to your account in the amount of $ On August 21st, a second credit from Target, in the amount of $379.99, also posted to your account in error during the fraud report processThese duplicate credits can be seen on the August statement copy we resent to your mailing address on October 25thBecause your account was credited a second time in error, we recharged the $amount on October 9thYou'll see this charge on your next billing statementIf you have further questions, please contact us at (888) 755- Thank you for the opportunity to respond Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 7, 2015/12/28) */ December 28, [redacted] Scottsdale AZ 85250- Your Letter to the Revdex.com Dear [redacted] : We're sorry for your frustration with your accountThank you for sharing your experience with usWe use feedback like yours to continue to provide exceptional service to all our guests Our records indicate you enrolled in REDcardTM Account Management on August 20, On this date you also enrolled in auto pay through the website and selected the option to have your previous month's balance paid in fullAt that time you entered your bank account information and submitted an electronic paymentOn your statement dated September 17, a minimum payment of $was due by October 14, The payment you submitted on August 20, was returned on August 25, because your bank was unable to locate the bank account with the number you enteredThis returned payment was documented on your September 17, statement and a letter was sent to you on August 26, informing you that this check was returned The auto pay payment that was submitted on October 14th was returned for the same reason as your August 20th paymentAs of the date of this letter no changes have been made to your bank account information since you set it up on August 20, If you would like to continue to make payments online, please update your bank account information prior to submitting a new paymentPlease know phone representatives aren't able to make changes or set up automatic payments for accountholders We're also sorry if there was any confusion with the information provided on your statementsBecause your October payment was returned after your due date of the 14th, your statement had already been printedFor that reason the returned payment was listed on your November statement Payments are due on or before the due date listed on your statement otherwise, a late fee and interest charges may be assessed to the accountBecause payments were not posted to the account for two months, late fees were assessedWe respectfully decline to remove these late fees because they were assessed per the terms of your account agreementWe hope you'll understand we must remain consistent in our policies in fairness to all of our accountholders We're sorry this has affected your relationship with TargetAt your request the account was closed on November 18, Thank you for giving us the opportunity to respond Sincerely, Gene [redacted] Target Card Services Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (3000, 9, 2016/01/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) Changes have been made to my account as I canceled my account since you guys set up my auto payment incorrectlyI did NOT receive a letter informing me that my payment was not received, on the statement I did receive it showed that my payment was madeI did not know my account was not being paid as I had originally set up until I received my November statementI do not see why I am being charged a $fee for an error on your companies endThis is terrible a company as profitable as yours cannot make a $error correctas soon as I received my November statement I called in to pay my bill in full and get my auto payment information corrected, the representatives informed me that they were not able to refund the late fee even though the auto pay was incorrectly set up by your employeesI even spoke to a supervisor at the card services who said that Target did not give him the authority to reverse my fee, but he told me that you guys had the wrong address on my fileMy bill still made it to me, but this is possibly why I did not receive a letter stating that my automatic withdrawal information was incorrectI did not receive an email, phone call, or any other type of communication as I pay my bills on timeAs soon as I was aware of an issue with payment I immediately called in to make it right, I am extremely disappointed that your company is going to hold on to this when it is CLEAR I thought the bill was paid, you sent me a statement saying it was paid, and as soon as I was aware otherwise I called to correct the issue In summary, I had no control over my account defaulting as the only communication I received showed me that my account was in good standing and my bill was paidThe supposed letter you sent out to say there was an issue with my automatic payment never was received by me as your team did not send it to the correct addressMy address is [redacted] , Scottsdale, AZ That letter did not come to meI would like you to correct this error on the principal of good ethical business I like shopping at Target and will be very disappointed if I will no longer be able to shop there because of unethical business practices and I will have no choice but to voice my opinion to everyone about why I do not shop at your establishment

(The consumer indicated he/she DID NOT accept the response from the business.) This is a Target Error No one asked Target to compensate for anyone's bank fees Please re-read the section titled, "Consumer's Desired Resolution." This situation was caused by a return check, for insufficient funds aNo, as you can clearly see from my statement, I made an in-store purchase, the money was taken out of my accountDays later, the money was put back into my accountSo yes, I did have enough funds in my account bThe insufficient funds fee of $was reversed by AlturaThey acknowledged that it was a mistake to charge me that fee on 12/28/What does that mean? I had sufficient funds in my account cI spoke with a representative from Redcard servicesThey told me about the notes that were entered on my account by the Target Research TeamTarget accidentally charged customers, during the Christmas week, twice for their purchaseTo fix that, Target gave a credit to their customersThis is what I was told by a Redcard services team member It's the banks fault aSo I spoke to my credit union, AlturaI was told that they cannot give me a credit for another institutionYou can see on my statement that Target gave me credit for my in-store purchase, when I did not return anything to the store Consumer's Desired Resolution: On December 23, I paid for my purchase at a Target storeOn December 28, someone (Target) gave me a credit for my purchaseOn January 11, someone (Target) realized their mistake, and tried to take the money out of my account againThere were not enough funds in my account, and I have been charged by my credit union, fees for insufficient fundsI have paid what I oweI would like an official letter, explaining what happened so that I may try to get a fee reversal for insufficient funds, from my credit union Altura told me that they cannot give a credit to my account, on behalf of another institutionSo, the credit came from TargetIf the credit came from Target, this is what happenedOn December 23, I paid for my purchase at a Target storeOn December 28, someone gave me a credit for my purchaseOn January 11, someone realized their mistake, and tried to take the money out of my account againThere were not enough funds in my account, and I have been charged by my credit union, fees for insufficient fundsI have re-paid for my in-store purchaseThis has never happened to me at Walmart or any other store for that matterWhy was I [redacted] credit for my in-store purchase? Target took the money out of my account, then gave me a credit for my purchaseThis situation was caused by TargetDoes it make sense to give a customer credit for their in-store purchase, when they did not return anything? Does Target make mistakes like this all the time, crediting the wrong people for their purchase? I'll leave this here again: Consumer's Desired Resolution: On December 23, I paid for my purchase at a Target storeOn December 28, someone gave me a credit for my purchaseOn January 11, someone realized their mistake, and tried to take the money out of my account againThere were not enough funds in my account, and I have been charged by my credit union, fees for insufficient fundsI have paid what I oweI would like an official letter, explaining what happened so that I may try to get a fee reversal for insufficient funds, from my credit union Altura told me to obtain a letter from you (Target), explaining why you gave me credit for my purchase, and then tried to take the money back outHad Target not decided to give me a credit for my in-store purchase, I wouldn't be in this situation today (Scan.pdf)

Initial Business Response / [redacted] (1000, 5, 2015/10/08) */ October 8, [redacted] Cleveland OH Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We apologize for your disappointment with the credit line on your account At this time, we are not offering instant same day credit limit increases; however, we do have a monthly credit limit review processTo be eligible for that process, we require updated income information on your accountIf you qualify for an increase, you will be notified by letter and you will see the increase reflected on your monthly statement If you would like to update the income associated with your account to ensure you're eligible for the monthly review, please give us a call at (888) [redacted] When prompted, indicate you would like to speak to a team member We're sorry but Target does not offer any type of credit reportsPlease reach out to any of the national credit bureaus if you are interested in reviewing your overall credit Thank you for the opportunity to respond Sincerely, Darren [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is the same generic response that I always receiveIt does not address my specific issue at allI would be glad to submit (in writing) any documentation of my income you would likeSimply tell me what you need and where to send it Final Consumer Response / [redacted] (3000, 13, 2015/11/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have done both of these thingsHow do I get my credit limit increased? Final Business Response / [redacted] (4000, 15, 2015/11/12) */ November 12, [redacted] Cleveland OH Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for any continued disappointment with the credit limit on your account As stated in our previous response, dated October 8, 2015, the credit limit increase process is not an instantaneous decision and is not guaranteed to result in an increase of your limitNow that your updated income information has been provided, it will be included in our monthly credit limit reviewIf you qualify for an increase, you will be notified by letter and you will see the increase reflected on your monthly statementHowever, we cannot guarantee if or when this may happen Please call us at (888) [redacted] if you have any additional questions or concerns regarding this matter Thank you for the opportunity to respond Sincerely, Darren [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 5, 2015/12/22) */ December 22, [redacted] Akron OH Your Letter to the Revdex.com Dear [redacted] , We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for the frustration you've experienced with this issueWe've removed you as an authorized user from the Target Credit CardTM ending in ***Please know that federal regulation requires us to report authorized users on an accountFor that reason we can't remove the previous history of reporting but you will no longer be reporting on this account going forwardHowever, as an authorized user, you are not financially responsible for this account and that is what has been reported to the national credit bureaus Thank you for the opportunity to respond Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/22) */ (The consumer indicated he/she ACCEPTED the response from the business.)