Target Card

Initial Business Response /* (1000, 5, 2015/09/24) */
September 24, 2015
[redacted]
[redacted]
Raleigh NC 27609
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 statement. We 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 charges. You can view your account online or call us anytime at (800) [redacted] if you need to be advised of your current due amount. Visit 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 $65.87. This has created a zero balance on your account and you'll see these credit adjustments on your next statement. We'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 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject 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.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 5, 2015/12/22) */
December 22, 2015
[redacted]
[redacted]
Akron OH 44313
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 issue. We've removed you as an authorized user from the Target Credit CardTM ending in [redacted]. Please know that federal regulation requires us to report authorized users on an account. For that reason we can't remove the previous history of reporting but you will no longer be reporting on this account going forward. However, 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 Card. Subject 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.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (2000, 7, 2015/12/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2016/02/17) */
February 17, 2016
[redacted]
Wildomar CA 92595
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 appreciate the time you've taken to let us know about your concerns. We're sorry to hear of any issues which may have made it difficult to make your monthly payments and for your disappointment for any late fees being assessed to your Target Credit CardTM.
Our records indicate that a payment of $25.00 was due on your account by February 10, 2016. We received a payment of $54.00 on February 16th. Because this payment was received after your due date, a late fee was assessed.
We see that we've adjusted two previous late fees on your account within the last twelve months. Because we have already made these recent accommodations, we respectfully decline to credit another late fee 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,
Tina [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject 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.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 7, 2016/03/11) */
March 11, 2016
[redacted]
Portland OR 97223
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 inconvenience Mr. [redacted] has experienced in regards to the fraud claim. We're also sorry for any delay in processing his fraud claim and for any confusion caused by the previous letter sent. Please be assured, we take all matters of fraud very seriously, and we appreciate the time you've taken to let us know about his concerns.
We have closed the Target Debit CardTM as fraud, and Mr. [redacted] isn't responsible for any purchases associated with this fraudulent Target Debit Card.
Thank you for the opportunity to respond.
Sincerely,
Jessica [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 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.A. The REDcard debit card is issued by Target Corporation. MasterCard is a registered trademark of MasterCard International, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (2000, 9, 2016/03/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I will accept this as the answer, and I'm hope a letter is being sent to the member with the above information about the account being closed as fraud and he will not be held responsible for any charges.

Initial Business Response /* (1000, 5, 2015/12/29) */
December 29, 2015
[redacted]
[redacted]
Gaithersburg MD 20877
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 account. We're also sorry if you did not receive your card or your monthly statements. We 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 2015. 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 Card. As 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 issue. On that same date, we credited the $25.00 late fee that was assessed on September 1st. We did not receive any payments towards your balance for your August, September, October, or November statements. We received your $198.31 payment, which was your original purchase total, on November 14th.
As a courtesy, we waived the remaining fee balance of $44.97 that remains on your account. You'll see these credits on your next billing statement. Per your request, your account was permanently closed on November 14th, 2015.
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 Card. Subject 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.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

April 4, 2016
[redacted]
Springfield NJ 07081-2218
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 CardTM. Thank you for sharing
your situation. We 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 account. This 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, 2015 a minimum payment of $25.00 was due by October
10, 2015. You charged $64.89 on August 27th and paid $64.89 on September
8th. Another charge of $52.82 was made on September 9, 2015. We did not receive
payments from you until a $52.82 payment was received on December 9, 2015. As a
guest courtesy our representatives removed the interest charges for September,
October and November. As an additional guest courtesy, we removed the $35.00
late fee assessed on December 10, 2015.
Our research indicates your
$52.82 payment paid off your purchase balance. The remaining balance is now late
fees and interst charges totaling $172.92. We brought your account to a zero
balance. As an additional guest courtesy, the late payment history was removed
for December 2015, January, February and March 2016.
We appreciate the opportunity
to respond.
Sincerely,
Gene [redacted]
Target Card Services
Target Card Services representatives are
available 24 hours a day, 7 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.A. The REDcard debit card is
issued by Target Corporation. The Bullseye Design and Target are registered
trademarks of Target Brands, Inc., used under license. MasterCard is a
registered trademark of MasterCard International Incorporated. Pat 7,562,048
and 8,117,118.

Initial Business Response /* (1000, 5, 2015/10/08) */
October 8, 2015
[redacted]
Cleveland OH 44102
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 process. To be eligible for that process, we require updated income information on your account. If 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 reports. Please 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 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject 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.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (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 receive. It does not address my specific issue at all. I would be glad to submit (in writing) any documentation of my income you would like. Simply tell me what you need and where to send it.
Final Consumer Response /* (3000, 13, 2015/11/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have done both of these things. How do I get my credit limit increased?
Final Business Response /* (4000, 15, 2015/11/12) */
November 12, 2015
[redacted]
Cleveland OH 44102
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 limit. Now that your updated income information has been provided, it will be included in our monthly credit limit review. If you qualify for an increase, you will be notified by letter and you will see the increase reflected on your monthly statement. However, 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 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject 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.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 7, 2015/09/10) */
September 10, 2015
[redacted]
Bakersfield CA 93313-5557
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 us. Please know that we continually evaluate and use feedback to support our mission of always providing excellent service to our Target guests. Please be assured it was not our intention to mislead you in any way. We 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 $24.93. Because we did not receive a payment from you by your due date of July 25th, a late fee of $24.93 was assessed. As a courtesy we did waive this late fee on August 5, 2015. We also see that another purchase was made with your card on July 25th for $121.96. Again, because we did not receive a payment by your due date of August 25th, a second late fee of $35.00 was assessed.
Thank you for your payment of $172.82 on September 6th. As an additional courtesy we have waived the remaining balance of $13.06. 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 open. If 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 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject 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.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

April 1, 2016[redacted] [redacted]San Mateo CA 94401-3371 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 and interest charge assessed to your Target Credit CardTM account.We reviewed your account and see your auto payment of $38.34, on February 24, 2016, was returned due to an invalid bank account number. You were assessed a $1.00 interest charge because you didn’t pay your full balance by your due date of February 24, 2016. We sent you a letter notifying you of this returned payment on March 1, 2016. Additionally, your online payment of $55.85 on March 10, 2016, also returned due to an invalid bank account number. You were assessed a $25.00 return payment fee because of this. We sent you a letter on March 15, 2016, notifying you of this returned payment.    We’re sorry but we’re unable to waive the returned payment fee because this was not a result of a Target error. Although, we know this isn’t the outcome you had wanted, we hope you understand that we must be consistent in our credit policies in fairness to all our accountholders. Also, please be assured we are in no way trying to mislead our guests that make their account payments online. However, because every bank is unique in their account numbers, we are unable to know the exact numbers you must enter when making an online payment. Please reach out to your bank if you have additional questions regarding what routing and account numbers need to be used to make successful online payments. If you continue to have trouble paying online, you can bring your payment to the Guest Services desk at your local Target. Just be sure to bring your card or statement with you, since the store can't look up your account number. You could also make a payment by phone by calling the number on the back of your card and paying through our automated payment system.Thank you for the opportunity to respond.Sincerely, Jessica [redacted]Target Card Servicescc:  Revdex.com of Minnesota and North Dakota, Case # [redacted]Target Card Services representatives are available 24 hours a day, 7 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.A. The REDcard debit card is issued by Target Corporation. The Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 5, 2015/07/23) */
July 20, 2015
[redacted]
[redacted]
Upper Saddle River NJ 07458
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. As 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 future. You agree to prevent your account balance from exceeding the credit limit".
Our records show you are enrolled in Manage My REDcardTM. You 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 process. To be eligible for that process, we require updated income information on your account. If 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 24 hours a day, 7 days a week.
The REDcardTM credit cards are issued by TD Bank USA, N.A. The Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under license. Visa is a registered trademark of Visa USA, Inc. REDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards.
Initial Consumer Rebuttal /* (3000, 7, 2015/07/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I will defer to my original complaint. Why did they allow me an 18.65% overage of my credit limit without notifying me of such. It is a check and balance business. What 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 annum. No admittance to the mistake but a cut and paste response. Not a great check and balance system. Yet I have received Target sales notifications everyday at 2x per day. Again 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 situation. I was a true believer in Target up to this point. They even contacted me when I first relocated to NJ ( they did not know I relocated) to see if I was making any purchases there. That is a check and balance system. Yet this slipped by them.
Here's my remedy. Obviously I spent the money and am will pay the amount over my credit limit. I request the interest on the amount over my limit be waived.
Final Business Response /* (4000, 9, 2015/08/03) */
July 30, 2015
[redacted]
[redacted]
Upper Saddle River NJ 07458
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 response. Please remember that we offer several ways to monitor your limit on your account.
You may check your limit at any time using Manage My REDcardTM. You may also contact us by phone at (888) [redacted] to find out your balance at any time. You can request to have statements mailed to your billing address. If you would like to change your statement delivery method back to paper you can do so at any time on Manage My REDcard. To 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 statement. You'll see that credit on your next billing statement. We'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 month. Although 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 24 hours a day, 7 days a week.
The REDcardTM credit cards are issued by TD Bank USA, N.A. The Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under license. Visa is a registered trademark of Visa USA, Inc. REDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards.

April 15, 2016 [redacted] Los Angeles CA 90008 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 frustration you’ve experienced in...

resolving a dispute with your Target Debit CardTM. Our records show we left you a voicemail on March 10th at the home telephone number we have on file of ###-###-####. We advised you that your bank has not returned the fraud item back to Target. We are unable to process this claim until your bank returns the fraudulent purchase to us. Please contact your bank to have them return the item as fraud. Once your bank has returned the item to us, please give Kayleen a call at ###-###-####, extension [redacted], to complete the processing of your claim. Please know that you are a valued Target guest and we 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 24 hours a day, 7 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.A. The REDcard debit card is issued by Target Corporation. The Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 5, 2015/10/20) */
October 20, 2015
[redacted]
[redacted]
Waterford Works NJ 08089
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. Because the merchant Peter Shields only had your old account number on file, they processed your $200.00 credit to that number. On October 9th, we transferred the credit to your account ending in 3814. You'll see the credit on your next billing statement.
You also received a credit of $379.99 from the merchant Paul's TV on August 10th. Your account was also credited by Target in the amount of $379.99 on August 21st in error during the fraud report process. Both credits appear on your August 2015 statement. Because two credits had posted to your account in error, we recharged your account on October 10th in the amount of $379.99.
A charge of $89.99 from Wigsalondotcom also posted to your account on October 1st along with a $65.24 credit on October 13th from the same merchant. Your above referenced $200.00 credit and $379.99 charge bring your current balance to $204.74. If you still have further questions regarding your current balance, please contact us at (888) 755-5856.
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 Card. Subject 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.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (3000, 7, 2015/10/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
the $379.99 was recharged to my account on the September statement after already being on my August statement. this 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 175.25 after the 89.99 charge and credit of 65.24 was issued on the wig I purchased and my $200 credit from 9/11 was issued.
Final Business Response /* (4000, 10, 2015/10/29) */
October 29, 2015
[redacted]
[redacted]
Waterford Works NJ 08089
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 frustration. On August 10th, the merchant, Paul's TV, issued a refund to your account in the amount of $379.99.
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 process. These duplicate credits can be seen on the August statement copy we resent to your mailing address on October 25th. Because your account was credited a second time in error, we recharged the $379.99 amount on October 9th. You'll see this charge on your next billing statement. If you have further questions, please contact us at (888) 755-5856.
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 Card. Subject 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.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 7, 2016/03/16) */
March 16, 2016
[redacted]
Chicago IL 60645
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 frustration or inconvenience you experienced as a result of your statements being sent to the incorrect address.
Please be assured, the only address we use in the application process is the address provided to us at the time of the application. We have located your application and our records show the address used to apply for the account was [redacted], Skokie IL, 60076.
As a courtesy, a credit adjustment was processed to your account on March 7, 2016, in the amount of $116.63. This adjustment created a zero balance on your account at that time. We've also removed any negative credit bureau reporting that resulted from the late payments.
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 24 hours a day, 7 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.A. The REDcard debit card is issued by Target Corporation. The Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (2000, 9, 2016/03/17) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 7, 2015/12/11) */
December 11, 2015
[redacted]
Addison IL 60101-1307

Your Letter to the Revdex.com
Dear Ms. [redacted]:
We're sorry for your frustration with your Target Credit CardTM. Thank you for sharing your...

experience with us and reaching out to us about our special payment options.
We set your account up on our twelve month payment option on July 20, 2015. While on this twelve month option you will not be assessed late fees as long as the monthly minimum payment amount of $20.00 is paid. In addition, the interest rate is lowered to 9.99% for the duration of the 12 months.
Your account was six months past due at the time you were enrolled in this option. Another benefit of having your account on this option is that it brings your account current if you pay the monthly reduced payment amount on time and do not miss payments. Your account is now current.
Please keep in mind that in the terms of the Credit Card Agreement we state that a minimum payment is due each month there is a balance on the account. This payment is due on or before the due date listed on your statement otherwise, a late fee and interest charges may be assessed to the account.
Because we did not receive any payments on the account from February 2014 to July 2015, late fees were assessed. We respectfully decline to remove these late fees because they were assessed per the terms of your account agreement. We hope you'll understand we must remain consistent in our policies in fairness to all of our accountholders.
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 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject 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.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 5, 2015/11/12) */
November 12, 2015
[redacted] R [redacted]
[redacted]
Castle Rock CO 80109
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 sincerely sorry to hear about your daughter and the difficult time it created for your family.
Our records indicate that we did not receive a minimum payment in full by your due date for your December 2014, and January, March, April, May, October and November 2015 statements.
While we are sympathetic to your situation, we respectfully decline to change the information we report to the credit bureaus. It's an accurate reflection of your payment history and for that reason we must report it accurately. Although 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.
Please know that we offer several other payment options for your account. You 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 date; ensure you keep your payment receipt.)
Pay online by enrolling in Manage My REDcard at www.Target.com/rcam.
(Note: online payments must be made before 5:00 p.m. Central Time (CT), on your Payment Due Date.)
You're a valued guest and we appreciate your patronage and loyalty.
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 Card. Subject 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.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a

April 18, 2016 [redacted] Colorado Springs CO 80909 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 regarding the...

credit inquiry on your credit report. According to our records, we see that you applied online for a new Target REDcardTM on December 6, 2015 and the application was declined. If you would like to receive a copy of your REDcard application, or of the decline letter we sent, please send us a notarized letter of your request to the following address: Target Card Services [redacted] Minneapolis MN 55440-0673 If you did not apply for a Target REDcard please contact our Fraud department at ###-###-#### and we can work with you on removing this false inquiry from your credit bureau reporting. You may also wish to contact your local law enforcement agency to file a police report regarding this incident. Thank you for giving us 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 24 hours a day, 7 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.A. The REDcard debit card is issued by Target Corporation. The Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 5, 2015/11/12) */
November 12, 2015
[redacted]
[redacted]
Santa Clara CA 95050
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. Please know that we have been mailing statements to the billing address you provided at the time you opened your account, which is the same address provided to the Revdex.com as your current address. No statements have been returned to us by the USPS as undeliverable. We have resent copies of all statements on your account and you should receive them within 7 to 10 business days. In addition, our records do not show you enrolled in our online account management program to receive online statements from us. However, you are able to view your statements and make a payment online at any time by visiting Target.com/rcam and signing into your account.
As a courtesy we've credited the fees that were assessed to your account for your July, August, September and October 2015 statements. You'll see these credits, totaling $135.81, on your next billing statement. We've requested a refund check in that amount to be mailed to your billing address. You should receive this check in 7 to 10 business days.
We've also sent a request to the credit bureaus asking that they remove the record of late payments from your account. Please note that the credit bureaus may take up to 60 days to update their records accordingly.
You're a valued guest and we hope you'll continue to choose Target for your shopping needs.
Sincerely,
Stephanie [redacted]
Target Corporate Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
Our normal business hours are: Mon- Thu, 7am - 9pm; Fri, 7am - 5pm; Sat, 7am- 3:30pm; Sun, 10am-8:30pm; Central Standard Time. We're closed on some holidays.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject 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.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

March 30, 2016 [redacted] Aurora CO 80011 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 related to the late...

fees assessed on your Target Credit CardTM, as well as for the service you received over the phone. We know you count on receiving friendly, helpful service from us and we regret if this was not the case. We’ll keep your comments in mind as we work to ensure we’re always providing the kind of service you expect from Target. Please keep in mind that as outlined in the terms of your Credit Card Agreement, a late fee may be assessed, along with negative credit bureau reporting, if we do not receive your full minimum due payment by the monthly due date. After reviewing your account we see we did not receive your minimum due of $17.00 by your February 6, 2016 due date. For that reason you were assessed a late fee and your minimum due for March increased to $53.00. You did make a $17.00 payment on March 4th but because this was less than the minimum due, another late fee was assessed. We also received your $36.00 payment on March 15th   which brings your new minimum due to $54.00, due by April 6th.  As a courtesy we removed a $17.00 late fee on March 4, 2016. As an additional courtesy we removed the late fee assessed on March 6th for $35.00. You will see these credits on your next billing statement. Although we understand your frustration with your higher minimum due, we are unable to change this amount. As outlined in your account agreement, your minimum due is composed of 1% of your new balance along with any interest charges, returned payment fees, late fees, and past due payment amounts. Any late fees credited to your account are removed from your total balance but do not change your minimum due. The minimum due on your account for your next cycle will be lower as long as you have no more past due payments. Thank you for giving us 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 24 hours a day, 7 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.A. The REDcard debit card is issued by Target Corporation. The Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. Pat 7,562,048 and 8,117,118.

Completed

Initial Business Response /* (1000, 7, 2016/02/10) */
February 10, 2016
[redacted]
Brooklyn Park MN 55428-2516
Your Customer Review with the Revdex.com
Dear Mr. [redacted]:
We received your correspondence forwarded to us by the Revdex.com of...

Minnesota and North Dakota. We regret your disappointment with the service you received. Thank you for sharing your experience with us. Please know that we continually evaluate and use feedback to support our mission of always providing excellent service to our Target guests.
As outlined under the terms of your Credit Card Agreement, a minimum payment amount is due each month. This payment is due on or before the same day of the month listed on the monthly billing statements, otherwise, a late fee and interest charges may be assessed to the account. Your account was credit revoked due to missed payments, however this does not stop late fees and interest charges from being assessed when no payments are made.
Our records indicate you've been enrolled in our online REDcardTM Account Management system since December 1, 2013. You elected to receive e-mail alerts when new statements become available and stopped paper statement delivery. After reviewing your online account, we see that your access is open and you should be able to log into your account. The last payment you made online was November 6, 2015. If you ever have trouble accessing your account online please call (800) 394-1829.
We respectfully decline to waive the fees on your account because they were not a result of any Target error. Making changes would misrepresent the status of your account and we must remain consistent in our credit policies in fairness to all of our accountholders.
To review your account information and to make payments you can:
Take your statement or your REDcard 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. Please 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 5:00 p.m. Central Time (CT), on your payment due date.)
Make a phone payment or obtain account information using our automated phone system by calling (888) [redacted]. (Note: payments made after 11:00 p.m. CT will post the following day.)
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 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject 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.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.