Target Card

Initial Business Response /* (1000, 5, 2016/03/04) */
March 4,
*** ***
***
Succasunna NJ
Your Letter to the Revdex.com
Dear *** ***:
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 ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (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 /* (4000, 9, 2016/03/15) */
March 15,
*** ***
***
Succasunna NJ
Your Letter to the Revdex.com
Dear *** ***:
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 ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (1000, 5, 2015/07/24) */
July 23,
*** ***
***
Deleon Springs FL 32130-
Your Letter to the Revdex.com
Dear Ms***:
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 accountWe understand you didn't receive the service you expected from Target and we're sorry for any disappointment this may have causedPlease know that we continually evaluate and use feedback to support our mission of always providing excellent service to our Target guests
Please know nothing was returned to us as undeliverable by the postal serviceAs a guest courtesy, we credited $in late fees and interest charges assessed to your accountWe also removed the late payment history from your account and sent a request to the national credit bureaus to update their records to reflect this changePlease note that the credit bureaus can take up to days to update their records
Your account was permanently closed at your request on March 25,
We're sorry if this has affected your relationship with Target but we hope to see you at Target again in the futureThank you for the opportunity to respond
Sincerely,
Gene ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case #***
Target Card Services representatives are available hours a day, days a week
The REDcardTM credit cards are issued by TD Bank USA, N.ATarget is a registered trademark 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 /* (1000, 5, 2015/10/22) */
October 22,
*** ***
***
Centereach NY
Your Letter to the Revdex.com
Dear *** ***:
We received your correspondence forwarded to us by the Revdex.com of
Minnesota and North Dakota
We're sorry for any confusion regarding the transactions appearing on your billing statementWe take any potential compromise or dispute seriously
We've reviewed the receipts for the transactions that took place on July 18, 2015, at the time the purchase in question was made on your Target Credit CardTMOur records show there were no duplicate transactions at the register where you made your purchaseWe also do not show a cash payment being made for the same amount as the transaction that was made on your cardOur records also show there were no overages at that register for that date
Because no processing errors took place at the time of your transaction, we respectfully decline to credit any fees or adjust any credit reporting on this accountAlthough 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,
Darren ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (1000, 5, 2015/11/06) */
November 6,
***
***
Elizabethtown IN
Your Letter to the Revdex.com
Dear ***:
We received your correspondence forwarded to us by the Revdex.com of Minnesota and
North Dakota
We're sorry for any difficulties you had in trying to make a payment on your Target accountWe want you to know that in addition to the work force we directly employ in the United States, we have team members around the worldWe're committed to providing exceptional service to all our guests, and we have very high expectations for anyone representing usWe'll keep your comments in mind when considering service opportunities in the future
Per our multiple conversations on November 6th, we've updated your bank account information so it can be used to make payments using Manage My REDcardTMWe sincerely regret the inconvenience and frustration this issue has caused you
As a token of appreciation for your loyalty and patronage, we've sent you a $Target GiftCardTM that will arrive in a separate mailingWe hope to see you at Target again soon
Thank you for the opportunity to respond
Sincerely,
Stephanie ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (2000, 7, 2015/11/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Amazingly, after only minutes with someone located at the Target Headquarters, this issue was resolvedHowever, I'm still not certain that others won't experience a similar issue in the futureI can only hopeBe as it may, my immediate issue has been resolved

Initial Business Response /* (1000, 5, 2015/10/02) */
October 2,
***
***
Norristown PA
Your Letter to the Revdex.com
Dear ***:
We received your correspondence forwarded to us by the Revdex.com of Minnesota
and North Dakota
We're sorry for the service you received over the phoneWe know you count on receiving friendly, helpful service from us and we regret if this was not the caseWe'll keep your comments in mind as we work to ensure we're always providing the kind of service you expect from Target
On August 18th, an online payment in the amount of $was made through your Manage My REDcardTM accountOn August 21st, this payment was returned because we were unable to locate the accountOn that same date, your account was recharged the payment amount of $A returned payment fee in the amount of $was also assessed to your account on August 21st
On September 1st, you made a payment of $at the Target storeDue to a processing error, the $payment posted twice to your accountThis created a credit balance in the amount of $On September 3rd, you called and requested a refund check in that amount to be mailed to your billing addressYour request was processed that same dateOn September 4th, your account was recharged in the amount of $for the payment that had posted twice to your account
Balance and transaction information are available for you to view using your Manage My REDcard account at any timeAs a courtesy, we've waived the $returned payment fee from August 21stWe're sorry, but we're not able to offer any further compensationBecause a refund check was requested from the double payment, your account has a balance owed in the amount of $
You're a valued guest and we appreciate your patronage and loyaltyWe're sorry you chose to close your account over this issue
Sincerely,
Stephanie ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (1000, 11, 2015/11/06) */
November 6,
*** ***
***
Bridgeport CT
Your Letter to the Target Executive Offices
Dear *** ***:
Thank you for contacting our executive offices
We're sorry for your disappointment with
the service you recently received when trying to return your merchandiseWe'll keep your comments in mind as we work to ensure we're always providing the kind of service you expect from Target
We're also sorry for the frustration and inconvenience you experienced as a result of a returned payment fee being assessed to your accountOur records show that on October 11, 2015, we received an online payment in the amount of $That payment was returned on October 15th as unpaid because we were unable to locate your bank account to process the funds
Please remember that per your Target Credit CardTM Agreement, you may be assessed a $fee when a check or other payment (including an electronic payment) is not honored by a depository institutionBecause the returned payment fee was assessed per the terms of your Credit Card Agreement, we respectfully decline to credit any additional fees on your account at this time
Although we know this isn't 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
Please know that you are a valued Target guest and we thank you for the opportunity to respond
Sincerely,
Darren ***
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,

Completed

Initial Business Response /* (1000, 9, 2015/10/14) */
October 14,
*** ***
***
Riverside CA 92505-
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 the frustration you experienced with the returned payment on your Target Credit CardTMTarget is committed to providing exceptional service to all our guests, and we're sorry if that wasn't your experience
On your statement dated September 3, a minimum payment of $was due by September 28, 2015, with a new balance of $A payment of $was received on September 4th and returned unpaid from your bank on September 11thThe $was placed back on the balance of your account and a $returned check fee was assessed
We're sorry if there was any misunderstanding regarding the processing of your payment or the check that was returned unpaidAs a guest courtesy, the $returned payment fee has been credited to your accountWe also see that as of the date of this letter there is an available credit on your account of $
You are a valued Target guest, and we appreciate your patronage
Sincerely,
Gene ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case #***
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 /* (2000, 11, 2015/10/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept the responseI asked that the $fee be reversed because I was following the advice given to me by a Target RedCard employee, who did not mention that there would be a feeThank you for reversing the charge

Initial Business Response /* (1000, 7, 2016/01/28) */
January 28,
*** ***
***
North Little Rock AR 72116-
Your Letter to the Revdex.com
Dear Ms***:
We received a letter from Daniel *** 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 and access to your account informationWe apologize for the inconvenienceWe are aware of the issue and we're working on a resolutionWe have removed the $late payment fee assessed in December We want you to know we enrolled you in paper statements and you can reenroll in online statements once the issue has been resolved
In the meantime, you can make payments for free over the phone at (888) ***, at a Target store with your statement, included in this letter, or you can mail your payment to:
Target Card Services
***
Dallas, TX 75266-
We appreciate the opportunity to respond
Sincerely,
Gene ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case # ***
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 /* (1000, 7, 2015/10/13) */
October 13,
***
***
New York, NY
Your Letter to the Revdex.com
Dear Ms***:
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 accountHowever, please remember that under the terms of your Credit Card Agreement, a minimum payment amount is due each monthThis payment is due on or before the same day of the month listed on your monthly billing statements; otherwise, a late fee and interest charges may be assessed to the account
Our records indicate your payments for the last months were missed resulting in late fees and interest charges being assessedThe last two payments we received were phone payments which were returned unpaid by your bank because the bank was unable to locate the bank account you gave us for your paymentWe spoke with you on September 16, and verified we entered the banking information you provided for your payment correctlyPlease contact your bank for information on these returned checks
You have been enrolled in our online account management system since March 26, 2009, using the email address of [email protected] information and the ability to make payments is available anytime over the phone using the number on the back of your card and online through target.com/rcamPlease also know that no automatic payments have been set up on your account for monthly payment withdrawl
We hope you'll understand that we're obligated as a credit issuer to be accurate when reporting our accountholder's payment historyFor this reason, we respectfully decline to change the information we've reported to the credit bureaus about your account
The information reported to the credit bureaus is an accurate reflection of your payment historyMaking changes would misrepresent the status of your account and we must remain consistent in our credit policies in fairness to all of our accountholders
Thank you for giving us the opportunity to respond
Sincerely,
Gene A***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case #
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 /* (1000, 5, 2015/12/11) */
December 11,
***
***
Waukee IA
Your Letter to the Revdex.com
Dear ***:
We received your correspondence forwarded to us by the Revdex.com of Minnesota
and North Dakota
We're sorry for any frustration or inconvenience you experienced while waiting for your new Target Debit CardTM
Please know that multiple attempts were made to get a new card distributed to you as soon as possibleHowever, due to a recent address change on your account on October 30, 2015, a new card could not processed and sent until days after the change was madeWe regret the delays this created but please know we have this process in place to ensure fraudulent cards are not requested for your account
Our records indicate you notified us on December 7th that you had received your new card
Please know that you are a valued Target guest and we thank you for the opportunity to respond
Sincerely,
Darren ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
Target Card Services representatives are available hours a day, days a week
The Bullseye Design, Target and Expect MorePay Lessare registered trademarks of Target Brands, Inc
Initial Consumer Rebuttal /* (3000, 7, 2015/12/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This could have been explained when I called initially, this should have been explained when I called the second timeIn light of my continued follow up to Target, this response is grossly inadequateAt a minimum there should have been a discussion about discounting purchases I made to include the 5% discount for the period I was without my card until one was deliveredVery poor customer experience

Initial Business Response /* (1000, 5, 2015/11/09) */
November 9,
*** ***
***
Cape Coral FL
Your Letter to the Revdex.com
Dear *** ***:
We received your correspondence forwarded to us by the Revdex.com of Minnesota
and North Dakota
We're sorry for the service you received over the phoneWe know you count on receiving friendly, helpful service from us and we regret if this was not the caseWe'll keep your comments in mind as we work to ensure we're always providing the kind of service you expect from Target
We understand and are sorry for your resulting frustration because your recent payment didn't result in an immediate availability of creditPlease know we post your payments to your account on the date we receive them but there may be a temporary hold on your available credit in the amount of your payment to ensure that your payment clears your bankWe apologize for any inconvenience this may cause
We have reviewed your account and see you were not able to use your card recently because you are currently over your limitYour credit limit is $and your current balance owed is $You can check your balance and available credit at any time by logging into your Manage My REDcardTM account
Our records indicate your updated card was sent on November 4thYou should receive your card in to business daysPlease call us at (800)*** to activate your card as soon as you receive it
You're a valued guest and we appreciate your long standing loyalty and patronageAs a thank you we are sending you a $Target GiftCardTM that will arrive in a separate letterWe hope to see you in our stores again in the future
Sincerely,
Stephanie ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (3000, 7, 2015/11/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The account would not be over the limit IF the $payment that cleared the bank on 10/21/had been applied to itThere has been no activity on the account to warrant an over the limit amountYour information is inaccurate in this responseThat was why I was so adamant with the two "customer service" associates I spoke withI tried to make the $payment on time at the store, it cleared my credit union on 10/21, but I was unable to use the account for any amount of moneyThat is the part I'm curious aboutWHO has the $and why was it necessary to delay applying it to the accountI would have paid with cash on 10/if I'd had any idea things would get this convolutedWhere is the payment now? A $gift card, but I don't know if I'm interested in buying anything at your stores anymoreThis has completely ruined any idea I had that you value customers and honor good faith effort to rectify a mistakeI still don't feel like anyone actually listened, or understands a single thing I've said about the inequity of this arrangement
Final Business Response /* (4000, 9, 2015/11/19) */
November 19,
*** ***
***
Cape Coral FL
Your Letter to the Revdex.com
Dear *** ***:
We received your additional correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota
We're sorry for your disappointment with our previous responseAs previously stated, we understand and are sorry for your resulting frustration because your recent payment didn't result in an immediate availability of creditWe did receive the payment on October 20, but a temporary hold was placed on this amount in order for us to ensure that your payment clears your bankWe apologize for any inconvenience this may have causedPlease note that when you make a payment with cash in the store there is no payment hold
Your balance total from your September statement was $On your October statement, we received a $payment on September 28th and a $payment on October 20thYour purchase total for October was $There was also a $interest charge on October 22nd which brought your account to the current balance of $Because your balance total was over your $limit when you tried to make a purchase on October 31st, the transaction was declinedThe payment hold did not have an impact on the credit you had available when your card was declined for being over the limit
Please keep in mind that you can contact us anytime at (888) *** to find out your current balance and hear about any recent activity on your accountWe thank you for being a valued guest and hope you'll consider choosing Target for your shopping needs again in the future
Sincerely,
Stephanie ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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,

Response Attached

I am rejecting this response because: I paid this off because it is affecting my creditAll I want is for this to be off my credit reportI don't want to screw around during with this affidavit run aroundIt's paid in full, I just want it off my credit report for all bureausYou are reporting on my reports that it was open still when it was considered a charge off accountSo in return it was reporting as a open revolving account on my report stillIt should have been atleast put as a charge off account closedThis is what I'm talking about as far as no one trying to figure this outI keep getting you have to fill this out and thisAnd I can't help you since it's closedI want it off my credit report.or I will report this to the FCRA and the FTC if not handled correctlyThere are numerous violations happening with reporting issues regardless of the extent of what happened originally

Initial Business Response /* (1000, 5, 2016/02/12) */
This is an attempt to collect a debt
Any information obtained will be used for this purpose
February 12,
***
***
Saint Paul MN
Your Letter to the Revdex.com
Dear
***:
We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota
We're sorry for your frustration related to the late fees assessed on your account, as well as for any inconvenience you have experienced as a result of being locked out of your online account access
Our records show you were denied access due to the password being entered incorrectly too many timesPlease know anytime you are unable to access your online account to make payments we offer several payment options to prevent your payment from being received lateTo ensure a late fee is not assessed in the future, you can:
Take your statement or REDcardTM to your local Target store and make a payment at Guest Services(Note: store payments must be made prior to close of business on your due date; ensure you keep your payment receipt.)
Make a phone payment using our automated phone system by calling (888) ***
(Note: payments made after 11:p.mCentral Time (CT) will post the following day.)
Our records show that we've adjusted two previous late fees on your account within the last twelve monthsBecause we have already made these recent accommodations, we respectfully decline to credit another late fee on your account at this time
Per your request, we have changed your statement delivery method from online only statements to a monthly billing statement mailed to the address listed above
Thank you for the opportunity to respond
Sincerely,
Tina ***
Target Corporate Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
Our business hours are: Mon- Thu, 7am - 9pm; Fri, 7am - 5pm; Sat, 7am- 3:30pm; Sun, 10am-8:30pm; Central Standard TimeWe're closed on some holidays
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 /* (1000, 5, 2015/07/23) */
July 23,
***
***
Montgomery Village MD
Your Letter to the Revdex.com
Dear ***:
Thank you for contacting our executive offices
We're sorry for any
frustration you've experienced as a result of the misunderstanding that occurred at the store regarding your application for a Target Credit Card
We're sorry to hear that you did not receive your statementWe mailed it on March 10, 2015, to the billing address you provided, and the US Postal Service has not returned it to us
In reviewing this account, we've found your dispute to be legitimateA request has been filed on your behalf to delete the account from your credit report
Please note that the credit bureaus can take up to days to update your filesYou may verify the status after that time by contacting the credit bureaus directly at the following addresses or phone numbers
Equifax Experian Trans Union
PO Box PO Box PO Box
Atlanta, GA 30374-Allen, TX Chester, PA
(800) 685-(888) 397-(800) 888-
We've also credited any late fees and finance charges appearing on your account totaling $As a result of these credits, you have a credit balance for that same amount on your accountWe have processed a credit balance refund check; you should receive it in to days
Thank you for the opportunity to respond
Sincerely,
***
Target Card Services
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 /* (2000, 7, 2015/07/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept the response Target has submitted in it's entirety because this is exactly what I was looking forFor a wrong to be rectified in a way in which my family and I are no longer affected by the mistakes of othersThis mistake caused not only lots of stress and frustration but also a huge drop in my credit score which is not a true representation of who I am at this point in my lifeI will be incredibly happy once my credit report has been updated and have one less thing to worry about

Initial Business Response /* (1000, 10, 2016/03/02) */
March 2,
*** ***
***
Chicago IL
Your Letter to the Revdex.com
Dear *** ***:
We received your correspondence forwarded to us by the Revdex.com of
Minnesota and North Dakota
We're sorry for your frustration regarding any negative credit bureau reporting related to this Target Credit CardTM account, as well as for the late fees being assessed
A review of your account shows the payment amounts and dates we have on record align with the amounts and dates you have listed in your correspondencePlease remember, revolving credit accounts require a minimum payment be received in each billing cycle in which a balance is carriedUnder the terms of your Credit Card Agreement, we assess a late fee if your monthly minimum due payment is not received by us by your due date
Our records show we didn't receive the minimum due payments for the due dates of January 5, 2016, and February 5, This caused your account to report as 31-days past due and accrue late fees
We're sorry but because the late fees were not assessed as a result of a Target error we are unable to remove any at this timeAlso, because it's an accurate reflection of your payment history, we respectfully decline to change the information we've reported to the national credit bureaus about your accountAlthough we understand 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,
Darren ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (1000, 17, 2015/12/11) */
December 11,
*** ***
***
Baltimore MD 21208-
Your Letter to the Revdex.com
Dear Ms***:
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
***
Minneapolis MN 55440-
Thank you for the opportunity to respond
Sincerely,
Gene ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case #***
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 /* (1000, 7, 2015/08/03) */
July 30,
*** ***
***
Tempe AZ 85282-
Your Letter to the Revdex.com
Dear Ms***:
We received your correspondence forwarded to us by the Revdex.com of Minnesota and North
Dakota
We're sorry for your frustration with your Target Credit CardTMThank you for sharing your experience with usWe continually evaluate and use feedback to support our mission of always providing an excellent Target experience
Our records indicate you have been enrolled in Manage My REDcard since February 6, Please know statement alerts do not replace your billing statement and the delivery of any alert is not guaranteedWe sent the alert to the email we had on file [email protected] changed the email address for delivery of these alerts on July 16, We provide a variety of avenues to review your account information and to make paymentsNew statements are available for viewing online at any time starting on the 13th of every monthWe see that you make your payments electronically through our website most every month
We respectfully decline to remove the late fees or change the information we've reported to the credit bureaus about your accountWe hope you'll understand we must remain consistent in our credit policiesThe information reported to the credit bureaus is an accurate reflection of your payment historyMaking changes would misrepresent the status of your account and we must remain consistent in our credit policies in fairness to all of our accountholders
If you would like to change your statement delivery method so you are also receiving paper statements, please visit Manage My REDcard and, -click 'Change Statement Delivery' -click on 'Paper and Online View'For more help with your statement delivery method, give us a call at (800) 394-1829, to speak to a representative
To review your account information and to make paymentsYou can:
Take your statement or your REDcardTM to your local Target store and make a payment at Guest Services(Note: store payments must be made prior to close of business on your due datePlease ensure you keep your payment receipt.)
Pay online, and view your statement, through Manage My REDcard at www.Target.com/rcam(Note: online payments must be made before 5:p.mCT, on your payment due date.)
Make a phone payment or obtain account information using our automated system by calling (888) ***(Note: payments made after 11:p.mCT will post the following day.)
Thank you for the opportunity to respond
Sincerely,
Gene ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case # ***
Target Card Services representatives are available hours a day, days a week
The REDcardTM credit cards are issued by TD Bank USA, N.ATarget is a registered trademark 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 /* (3000, 9, 2015/08/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I didn't know our account was in trouble until I was able to get a copy of our credit report
After looking at our credit report and saw that Target put something bad on our credit report, I went to my Target account on-line to see what was wrongThat's when I found out that we were overdue on payments to TargetI didn't know until then that I had not changed the Target emailAt that point I changed the email on our Target account
You need someone to trouble-shoot stuff like thisIf you had sent me a letter instead of turning me over to a collection agency, things would have turned out differentlyI would have paid my bill had I knownDo you have a trouble-shooter that decides when to turn someone over for collection? Or does a computer do that? My account went over $because you added over $in late fees
But in reading your response I can see that it's all about money and not about good customer relations
On the day I changed my email address with Target I changed the receipt of our account to paper, but I have yet to receive anything in the mail
I realize there are people who do not pay their bills on purpose, but I am not one of themBut thanks for making me feel like one of them
I'm sorry about trusting Target, and that I tried to be green about receiving my target credit information thru my email
What I can do is tell everyone about your attitude toward shoppers, and also not to shop at Target
Final Business Response /* (4000, 11, 2015/08/14) */
August 14,
*** ***
***
Tempe AZ 85282-
Your Letter to the Revdex.com
Dear Ms***:
We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota
We regret your continued frustrationWe appreciate your previous enrollment in online statementsAt that time we continued to send statement email alerts to the email address you had on fileWe were unaware that your email changed and this was the only deliverly method you had chosen at the time
You made new purchases in April totaling $74.02, and new purchases in May, June and July Please keep in mind account information is available anytime online through Manage My REDcard and over the phone by calling us at the toll free number located on the back of your cardYour Target Credit CardTM has been enrolled in our online REDcardTM Account Management website since February 6,
As a guest courtesy, the $late fee assessed on June 10, was credited to your account
Since the time you changed your statement delivery method on July 16, 2015, no new statement has billedYour next statement will be mailed after your account bills on August 13,
We hope you understand that we must remain consistent in our credit policies in fairness to all our accountholdersYou are a valued Target guest and we appreciate your patronage
Sincerely,
Gene ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case # ***
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

Hello [redacted],

Thanks for contacting Target on behalf of our guest [redacted].

Upon receipt of your contact, we reached our guest to address their concerns. To protect guest's information, Guest Relations doesn't have access to Debit REDcard account transactions. For assistance guest would...

need to call [redacted] with the control number provided in letter or call the number on the back of her Debit Redcard.
Account activity may also be printed by accessing account through Manage My REDcard at http://rcam.target.com. Either way our REDcard team will be happy to assist Ms. [redacted].
As always, we appreciate the assistance you provide us with our guests. If you have further questions, feel free to contact Target at [redacted] and reference case number [redacted].

Sincerely,

Nancy
The Target Team
www.target.com