Target Card

Initial Business Response /* (1000, 5, 2015/06/18) */
June 18, 2015
[redacted]
[redacted]
Stockton CA 95204
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 a late fee being assessed to your account. Our records indicate a phone payment was made on your account on June 7th at 2:12 a.m. Please note that prior to making your payment our automated system advises you that payments made after 11:00 p.m. Central Standard Time will be processed the next day.
Because we have made courtesy late fee adjustments on your account in the past, and because the fees were assessed per the terms of the Credit Card Agreement, 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 can understand that we are obligated to be consistent in our policies in fairness to all our accountholders.
In addition, we're sorry to hear you had issues with a product purchased from one of our stores. For questions about store issues, please contact our Guest Relations department at (800) [redacted].
You're a valued guest and we're sorry you chose to close your account over this issue.
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, 2015/06/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I don't recall ever signing anything that states I must pay by midnight on their time zone or my payment will be late. There is absolutely nothing on the bill that states this. I want to see a copy of the agreement that I signed stating this.
This is NOT about the money! This IS about the principle! I am willing to take this to the next level should I not see an agreement signed by me regarding payments having to be paid before midnight on their time zone.
Final Business Response /* (4000, 9, 2015/07/01) */
June 29, 2015
[redacted]
[redacted]
Stockton CA 95204
Your Letter to the Revdex.com
Dear [redacted]
We received your additional correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota.
We're sorry for your continued frustration. Per the Credit Card Agreement, you agree to make at least a minimum payment by your due date. We consider payments received after 11 p.m. Central Standard Time (CST) as being past the due date. As stated in our previous response, prior to making your phone payment the automated system advises you that payments made after the cutoff time will be processed the next day. Please keep in mind this same policy applies if you are making a payment in one of our stores. You are able to make payments in our stores until store closing. After the store closes a store payment can be made the next day.
Although we understand your frustration, we stand by our previous response. We see that 2 late fees have already been credited to your account in the past 12 months as a courtesy. For that reason we are not able to waive any additional fees on your account at this time.
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 Business Response /* (1000, 7, 2016/01/27) */
January 27, 2016
[redacted]
Lexington SC 29073-8295
Your Letter to the Revdex.com
Dear Ms. [redacted]:
We received your correspondence forwarded to us by the Revdex.com of...

Minnesota and North Dakota.
We sorry for the frustration you've experienced regarding your account. We're committed to providing exceptional service to all our guests, and we're sorry if that wasn't your experience.
We regret your disappointment with the online system for making payments and we apologize for the inconvenience. We're aware of the issue and are looking into a fix. In the meantime, you can make payments for free over the phone, at a Target store with your statement, or you can mail your payment to:
Target Card Services
[redacted]
Dallas, TX 75266-0170
Please know closing an account does not change the terms and conditions of an account nor does it exclude accounts from options offered to all accountholders. We're sorry but at this time we are not reviewing current accounts for lower interest rates. We hope you'll understand we must be consistent with our policies in fairness to all of our accountholders.
We appreciate the opportunity to respond.
Sincerely,
Gene [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case # [redacted]
Target Card Services representatives are available 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, 9, 2016/01/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Dear Target,
When online payment services are restored to closed accounts I will then be satisfied. No explanation has been given as to why this payment option was discontinued for closed accounts. Customers who have chosen to close their accounts are being discriminated against for doing so. Up until last month I had been able to make my payments online. I was not even notified there had been a change in policy.
[redacted]

Initial Business Response /* (1000, 7, 2016/01/27) */
January 27, 2016
[redacted]
[redacted]
Orlando FL 32825-8562
Your Letter to the Revdex.com

Dear Ms. [redacted]:
We received your correspondence forwarded to us by the Revdex.com...

of Minnesota and North Dakota.
We're sorry for the frustration you have experienced with your account. We understand you didn't receive the service you expected from Target and we're sorry for any disappointment this may have caused. Please know that we continually evaluate and use feedback to support our mission of always providing excellent service to our Target guests.
As a guest courtesy, we credited $137.69 in late fees and interest charges assessed to your account. We 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 change. Please note that the credit bureaus can take up to 60 days to update their records.
Please remember, 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 otherwise; a late fee and interest charges may be assessed to an account.
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 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.

(The consumer indicated he/she DID NOT accept the response from the business.)
1. This is a Target Error.
2. No one asked Target to compensate for anyone's bank fees.
3. Please re-read the section titled, "Consumer's Desired Resolution."
1. This situation was caused by a return check, for insufficient funds.
a. No, as you can clearly see from my statement, I made an in-store purchase, the money was taken out of my account. Days later, the money was put back into my account. So yes, I did have enough funds in my account.
b. The insufficient funds fee of $29.00 was reversed by Altura. They acknowledged that it was a mistake to charge me that fee on 12/28/15. What does that mean? I had sufficient funds in my account.
c. I spoke with a representative from Redcard services. They told me about the notes that were entered on my account by the Target Research Team. Target accidentally charged customers, during the Christmas week, twice for their purchase. To fix that, Target gave a credit to their customers. This is what I was told by a Redcard services team member.
2. It's the banks fault.
a. So I spoke to my credit union, Altura. I was told that they cannot give me a credit for another institution. You can see on my statement that Target gave me credit for my in-store purchase, when I did not return anything to the store.
3. Consumer's Desired Resolution:
On December 23, 2015 I paid for my purchase at a Target store. On December 28, 2015 someone (Target) gave me a credit for my purchase. On January 11, 2016 someone (Target) realized their mistake, and tried to take the money out of my account again. There were not enough funds in my account, and I have been charged by my credit union, fees for insufficient funds. I have paid what I owe. I would like an official letter, explaining what happened so that I may try to get a fee reversal for insufficient funds, from my credit union.
Altura told me that they cannot give a credit to my account, on behalf of another institution. So, the credit came from Target. If the credit came from Target, this is what happened. On December 23, 2015 I paid for my purchase at a Target store. On December 28, 2015 someone gave me a credit for my purchase. On January 11, 2016 someone realized their mistake, and tried to take the money out of my account again. There were not enough funds in my account, and I have been charged by my credit union, fees for insufficient funds. I have re-paid for my in-store purchase. This has never happened to me at Walmart or any other store for that matter. Why was I [redacted] credit for my in-store purchase? Target took the money out of my account, then gave me a credit for my purchase. This situation was caused by Target. Does it make sense to give a customer credit for their in-store purchase, when they did not return anything? Does Target make mistakes like this all the time, crediting the wrong people for their purchase? I'll leave this here again:
1. Consumer's Desired Resolution:
On December 23, 2015 I paid for my purchase at a Target store. On December 28, 2015 someone gave me a credit for my purchase. On January 11, 2016 someone realized their mistake, and tried to take the money out of my account again. There were not enough funds in my account, and I have been charged by my credit union, fees for insufficient funds. I have paid what I owe. I would like an official letter, explaining what happened so that I may try to get a fee reversal for insufficient funds, from my credit union.
Altura told me to obtain a letter from you (Target), explaining why you gave me credit for my purchase, and then tried to take the money back out. Had Target not decided to give me a credit for my in-store purchase, I wouldn't be in this situation today.
(Scan.pdf)

Initial Business Response /* (1000, 5, 2015/10/05) */
October 5, 2015
[redacted]
[redacted]
Chanhassen MN 55317
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. Our records indicate that on March 4, 2015 you enrolled in Manage My REDcardTM online and elected to receive online only statements. Alerts advising you that your statement was ready to be viewed were sent to the email address of [redacted], which was provided to us on the date you enrolled in online only statements. Please keep in mind that calls to you when your account is past due are a courtesy and is not something that is done for all accounts.
Because we did not receive a full minimum payment for the months of April and May, late fees and interest charges were assessed in accordance with the terms of your account agreement. We're sorry but we are unable to waive any of the late fees, or remove the credit bureau reporting, because the late payments were not a result of a Target error.
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.
You're a valued guest and we appreciate your patronage and loyalty. We're sorry you chose to close your account over this issue.
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, 2015/10/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Not acceptable. I switched to paperless billing to help you!
Look at my spotless history when I was on paper billing to prove out what type of customer I am.
Your process is flawed. When someone switches over keep sending automated emails until you get a response. If no response just call the number on the account (which is the same number you called once when my account was way past due and we discovered your emails were going to spam).
This is going to cost me .25% on a $400,000 loan. It is the only late pay on my credit history.
Is there nothing you can do?
Final Business Response /* (4000, 9, 2015/10/14) */
October 14, 2015
[redacted]
[redacted]
Chanhassen MN 55317
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.
While we sympathize with your situation, we stand by our previous response. Because the late payments were not a result of a Target error, we are unable to remove the credit bureau reporting.
Please know that it's always our preference to accommodate our guests, it's unfortunately not possible in this circumstance because we have to remain consistent in our policies in fairness to all guests. We appreciate your past patronage and hope you'll consider Target again for your shopping needs.
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, 5, 2015/12/17) */
December 17, 2015
[redacted]
Lomita CA 90717
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 and inconvenience you experienced as a result of late fees being assessed to your Target Credit CardTM account.
We're also sorry for any delays in receiving your REDcardTM and billing statements. These items were mailed to the address listed above. Please remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every month to avoid a late fee. You can view your account online, or call us anytime if you have questions about your current minimum due payment.
As a courtesy we've credited each of the late fees assessed to your account, totaling $60.00. You'll see these credit adjustments on your next statement. We've also adjusted any past due history reporting to the national credit bureaus. Please note that the credit bureaus can take up to 60 days to update your files.
We've processed a new REDcard. You should receive this within 7 to 10 business days.

Please know that you are a valued Target guest and we 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.

[redacted] April 15, 2016[redacted]Morrilton AR 72110Your 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 late fees being assessed to your Target Credit CardTM account. Please remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every month you carry a balance in order to prevent a late fee. You can view your account online, or call us anytime if you have questions about your current minimum due payment.As a courtesy, we’ve credited all late fees and finance charges assessed to the account, totaling $272.48. These adjustments have created a zero balance on your account and you’ll see the credit processed on your next statement. We’ve also removed any negative credit bureau reporting that resulted from the late payment.Thank you for the opportunity to respond.Sincerely,Darren [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, 12, 2015/08/31) */
August 31, 2015
[redacted]
Wynne AR 72396-1944
Your Letter to the Revdex.com
Dear Ms. [redacted]:
We're sorry for any inconvenience caused by the lowering of your account credit...

limit. Our records indicate you opened the account on July 15, 2013, and your credit limit was lowered on January 13, 2015, due to inactivity on the account. We're also sorry for not sending a notice regarding your limit being lowered. However, we do print your current credit limit on your statement.
At this time, we are not offering instant same day credit limit increases. We see you are eligible for our monthly credit limit review process because you updated your income information through REDcardTM Account Management. If you qualify for an increase, you will be notified by letter and you will see the increase reflected on your monthly statement.
Thank you for sharing your experience. We value your feedback as we're always looking to make adjustments within our policies and procedures that lead to favorable changes for our guests.
Thank you for your long standing patronage and the opportunity to respond.
Sincerely,
Gene [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case # [redacted]
Target Card Services representatives are available 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, 14, 2015/08/31) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am on paperless statements so I would not see any decrease in credit because I don't log into an account that I don't have to make a payment on. This has happened before with my account I opened in 2008 on which I NEVER even got a credit limit increase for 5 years! After you closed my account in 2013 I had to reapply which caused me a hard pull on my credit. Your practice of closing accounts or decreasing limits are unacceptable. I will not be satisfied unless I get the limit back that I had.
Final Consumer Response /* (3000, 25, 2015/10/12) */
The issue was not resolved! They sent a duplicate response the second time identical to the first one.
Final Business Response /* (4000, 27, 2015/10/22) */
October 22, 2015
[redacted]
Wynne AR 72396-1944
Your Letter to the Revdex.com
Dear Ms. [redacted]:
We're sorry for your disappointment with the credit limit on your account.
We do understand your frustration with your limit being reduced. However, please know that within the terms of the Credit Card Agreement it is outlined that we may make adjustments to an accountholder's credit limit at any time, for any reason not prohibited by law including, but not limited to: changes to their credit capacity, pattern of payments to us, or their purchasing behavior. In accordance with this we have an automated process in place to review accounts, which may result in credit limit changes.
We regret that this restricts your purchasing power. We know this isn't the outcome you had wanted but we hope you'll understand that our lending practices must be consistently and equally applied to all our accounts. For that reason we are not able to manually change your credit limit. You will be included in our systematic credit limit review and if your limit is increased you will be notified on your billing statement.
Sincerely,
Gene [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case #[redacted]
Target Card Services representatives are available 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.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Initial Business Response /* (1000, 7, 2015/08/12) */
This is an attempt to collect a debt.
Any information obtained will be used for this purpose.
August 12, 2015
[redacted]
[redacted]
Spring Valley CA 91977-1503
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 your account. We appreciate you sharing your circumstances.
Please remember, 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.
Our records indicate that payments have been missed or were received for less than the minimum due required payment. At this time, no special payment plan is set up, however you may qualify for a special payment arrangement.
[redacted] has been working on our behalf to resolve the balance of your account. To discuss a payment solution for your account please contact Alliance One. They can be reached at (866) [redacted].
We appreciate the opportunity to respond.
Sincerely,
Gene [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.
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 Business Response /* (1000, 5, 2015/09/24) */
September 24, 2015
[redacted]
[redacted]
Oxnard CA 93033
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 experience as a result of not receiving the payment documentation you were promised.
Please know that our guest service department normally doesn't process letters like the one described in your correspondence. This is because that type of information is included in your monthly statements.
We received a payment from you in the amount of $94.00 on September 11, 2015. This payment has your account current and showing as paid as scheduled. If this information is not sufficient to meet your request, please contact us at (888) [redacted] to see what other options we have available for you.

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, 2015/12/22) */
December 22, 2015
[redacted]
Sherman Oaks CA 91411
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 frustration with your Target Credit CardTM. Thank you for sharing your experience with us. We regret that you didn't receive the service you expected. We continually evaluate and use feedback to continue to support our mission of always providing an excellent Target experience.
Please know that we sent your concerns to the appropriate departments to review your comments and to follow up with the appropriate parties.
Our records indicate that all fees and charges have been correctly assessed to your account per the account agreement. In addition, your twelve month special payment plan was set up on November 23, 2015, reducing your monthly payment to $33.00 and your interest rate to 9.99%. Your account is now current after we received your payment on November 29, 2015.
As a guest courtesy, we've sent you a Target GiftCardTM in a separate mailing. You are a valued guest, and we appreciate you taking the time to share your experience.
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 Consumer Rebuttal /* (2000, 9, 2015/12/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Target has assured me that all charges are correct.

Initial Business Response /* (1000, 7, 2016/02/10) */
February 10, 2016
[redacted]
Powder Springs GA 30127-4923
Your Customer Review with the Revdex.com
Dear Ms. [redacted]:
We received your correspondence forwarded to us by the Better Business...

Bureau of Minnesota and North Dakota.
We're sorry for your frustration with your Target Credit CardTM and with the service you received when you spoke to our phone representatives. Thank you for sharing your experience with us. We continually evaluate and use feedback 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. This 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.
You have been enrolled in our online REDcardTM Account Management system since August 12, 2011. At that time you elected to receive email alerts when new statements become available. Paper statements were suspended at that time when you signed up for the alerts. Our records indicate email alerts did not reach you starting in September 2015, however we did send paper statements when we received notice that the emails were returned to us.
A minimum payment of $25.00 was due on your account by September 25, 2015. No payment was received and a late fee and interest charge were assessed. No other payments were made on your account until we received a payment of $174.42 on December 8, 2015, paying off your purchases from August 2015.
As a guest courtesy, we have removed the remaining late fee and interest charge balance of $124.78. As an additional guest courtesy, we also removed the past due record from your account and requested that the national credit bureaus update their records accordingly. Please note that the credit bureaus can take up to 60 days to update their records.
We appreciate you giving us 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 Consumer Rebuttal /* (2000, 9, 2016/02/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2016/02/10) */
February 10, 2016
[redacted]
[redacted]
Malden MA 02148
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 any misunderstanding regarding the credit balance on your account. While processing a fraud claim on your account a write off was done consisting of fees and fraudulent payments and transactions. In the process a credit balance was temporarily created due to an over adjustment. That credit balance was returned to our fraud department once the claim process was completed. No refund is due as the credit balance was created from fees and fraudulent charges; not from any valid payments.
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, 9, 2015/10/14) */
October 14, 2015
[redacted]
[redacted]
The Woodlands TX 77389-6934
Your Letter to the Revdex.com
Dear Ms.[redacted]:
We're sorry for the frustration you've experienced regarding your Target Debit CardTM. Thank...

you for contacting us to share your experience. We continually evaluate and use feedback to continue to support our mission of always providing excellent service to all of our Target guests.
Our records indicate that we processed your dispute on April 9, 2015 and sent you a letter to inform you that we accepted your claim. We also advised that all negative information has been removed from the Target Corporation Authorization Network and we are not reporting negative information about your account. However, if you are still concerned about information being reported by Certegy (800) 237-3826, or SCAN (866) 740-3276, please reach out to them directly.
You're a valued Target guest and we appreciate your loyalty and patronage.
Thanks 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 Consumer Rebuttal /* (3000, 11, 2015/10/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I would like a formal response, on Target letterhead, mailed to my attention at my residence specifically stating that they have instructed SCAN and Certegy to remove the negative information that Target reported to them (as according to their collections letter dated 3/2/2015). This response claims that Target did not report the items to the check authorization services, however, in their collections letter they specifically stated that it was reported. I have no recourse unless I have a document from Target stating that 1) The information was never really reported, or 2) That Scan and Certegy have both been notified to remove the negative information.
This has truly been the most disappointing experience I have ever had with a retailer's response to fraud. Target had a loyal customer for decades.
Final Business Response /* (4000, 13, 2015/11/02) */
November 2, 2015
[redacted]
[redacted]
The Woodlands TX 77389-6934
Your Letter to the Revdex.com
Dear Ms.[redacted]:
We're sorry for the continued frustration you've experienced regarding your Target Debit CardTM.
As we stated in our previous response, all negative information has been removed from the Target Corporation Authorization Network and we are not reporting negative information about your account. The reporting companies were notified about the outcome of your dispute and were instructed to update their records accordingly. Since we do not have access to their reporting systems we cannot speak to what their systems are reporting at this time. For concerns about information being reported about your check history please reach out to the companies directly, Certegy (800) 237-3826, SCAN (866) 740-3276.
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, 2016/01/15) */
January 15, 2016
[redacted]
Dover PA 17315
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 frustration or inconvenience you experienced as a result of a returned payment on your Target Credit CardTM account.
Please know that we take the security of our guest's personal information very seriously. It's for that reason that we do not show the full banking account number on the Manage My REDcardTM website. However, you can always review and update your bank account information by clicking on 'Manage Bank Information', which is located on the left panel of the 'Bank Account History' screen. In addition, we process payments using only the information we are provided.
Also please know that a letter notifying you of the returned payment was mailed to the address listed above on December 3, 2015, one day after the payment was returned.
We stand by our response dated December 21, 2015, in stating because the returned payment fee was not a result of a Target error we are unable to remove the fee. 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.
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, 2016/01/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
A reasonable business would acknowledge that an error was made, either by the electronic processing systems or by the account holder. We acknowledged that it 'may' have been an error on our part but doubted it and had no way of knowing for sure except to enter the bank acct info again and possibly face another bounce back fee - this is unacceptable to us and we still believe that Target would acknowledge a legitimate mistake rather than a deliberate one and do a one time refund of their fees. If, as they say, that is not going to happen, we are closing our Target RedCard account and will never shop at their stores again.
Final Business Response /* (4000, 9, 2016/01/28) */
January 28, 2016
[redacted]
Dover PA 17315
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 continued frustration or inconvenience you experienced as a result of a returned payment on your Target Credit CardTM account. However, we continue to stand by our responses dated December 21, 2015, and January 13, 2016. Because the returned payment fee was not a result of a Target error we are unable to remove the fee at this time.
We appreciate your loyalty and patronage, and regret if this situation has affected your relationship with Target.
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, 2015/06/25) */
June 25, 2015
[redacted]
Philadelphia PA 19134
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 a result of late fees being assessed to your Target Credit CardTM account, as well as for any inconvenience when trying to access your account online.
Our records indicate that you logged onto the online website on December 19, 2014 and updated your email information, along with requesting to receive email alerts when your statement was ready to be viewed. On January 11, 2015 there was a request submitted on your online account for a forgotten username/password. Also, on February 9th, we see the checking account information was updated via your online account and a promise to pay of $54.00 was created.
Please be advised that we have not had any issues with our guests accessing the online REDcardTM Management website, even during the period of unauthorized access that occurred to certain payment card data in December. If you are continuing to have difficulties accessing your online account, please call us at (800) [redacted] ext. [redacted].
In addition, a credit card is not an accepted form of payment on your REDcard account but we do accept debit cards as payment on past due accounts. You always have the option of calling us at (800) [redacted] to set up payments over the phone or to be advised of the current minimum due payment.
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. Because the fees were assessed per these terms we are unable to credit any fees on your account at this time. Although we understand this isn't the outcome you had wanted, we hope you understand that we must be consistent in our policies in fairness to all of our accountholders.

Thank you for the opportunity to respond.
Sincerely,
Darren [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.
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, 2015/06/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Every Statement by Target was lie, I made absolutely no agreement to pay excessive fees. I only agreed to pay the principal amount.as for the dates they are false, I was on the phone probably 100 times with indian technicians with no solution for 18 months. finally when I had access, I could properly view all transactions.If you check www.pissedconsumer.com ,www.ripoff report.com and others you will see thousands of unsatisfied customerx.

[redacted] May 3, 2016[redacted] [redacted] [redacted] Arlington VA 22201Your 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 for your frustration with late fees being assessed to your Target Credit CardTM account. Please remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every month you carry a balance. You can view your account online, or call us anytime if you have questions about your current minimum due payment.We see that a minimum payment of $25.00 was due on your account by February 25th. We did not receive any payment by your due date which resulted in a late fee being assessed. A new minimum due of $55.00 was due on your account by March 25th. Again, no payment was received and another late fee was assessed as a result. We did receive your two online payments on April 19th and 23rd which brought your account to a zero balance. Because the late fees have been 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.  Our records also show that per your request email statement alerts have been sent on the 29th of each month to [redacted], notifying you that your statement is available to be viewed online. We’ve also been mailing paper statements each month on that same date. Please know that no changes or updates have been made to our online system that would’ve affected our ability to provide you with your billing information.   Thank you for the opportunity to respond.Sincerely,Darren [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, 2015/07/09) */
July 7, 2015
[redacted]
Washington DC 20007
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. As we stated in our previous response to you, we review our credit card accounts on a regular basis, and may close accounts that have been inactive. According to our records, your Target Credit CardTM did not have any activity since December 16, 2013. As such, we permanently closed your account on June 6, 2015. Please be assured that all business changes that have taken place are within the guidelines of your terms and agreement. As stated in your account agreement, "we reserve the right to terminate your privileges to obtain credit on the Account at any time."
While we're not able to reopen this account, you may apply for another account with us the next time you're in any Target store or at Target.com/redcard. Although we know this is not the result you had wanted, we hope you understand that we must be consistent in our credit practices in fairness to all of our accountholders.
We're also sorry if your continued enrollment in the online Manage My REDcardTM website was misleading in any way. When your account was closed on June 6, 2015, your available credit and total credit limit information were updated to reflect as zero. Please know that your enrollment in Manage My REDcard stays active until you cancel it, so you still have online access to your account. Here's how to cancel your online enrollment:

-Under Settings, select 'Disable Access'
-Enter your password and then click on 'Disable Access'

Thank you for the opportunity to respond.
Sincerely,
[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, 2015/07/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I reject this response for three reasons. First, your statement that "when your account was closed on June 6, 2015, your available credit and total credit limit information were updated to reflect as zero," is factually false. It was not until multiple weeks after the date of closure was the available credit and total credit limit changed from $200 to $0. Therefore, my argument regarding your perpetration of misinformation still stands. Second, I was contacted by a representative via phone today and re-iterated my concerns regarding the lack of notice, not only that the account was in danger of being closed, but also after it had been closed. In response, she stated that "usually people's contact information changes" and that that was the reason notice was not sent. This statement is absurd and ridiculous. People change addresses all the time, but this does not excuse banks from mailing notices to their customers. Moreover, in the 21st century when everyone has email, this excuse is not valid as sending an email with a closure notice takes little to no effort. Nothing but sheer laziness can explain your unwillingness to inform customers when their accounts are being closed due to inactivity. Third, your lack of responding to my arguments regarding your actions being in bad faith permit me to presume that you know I am correct that you acted in bad faith and in a questionably 'legal' manner.
I do not wish to apply for a second time as I do not want another hard inquiry on my credit report for 2 more years. I understand that you "must be consistent in your credit practices in fairness to all of our accountholders." However, you can remain consistent while still re-instating my account for two reasons. First, the credit line was only for $200, a minuscule amount offered to many people with credit far worse than mine. Second, my credit record with you is perfect, permitting you to have knowledge of my creditworthiness which certainly qualifies me for your card.
Please stop repeating the same, generic responses at me and make an actual effort to respond to my concerns.
Final Business Response /* (4000, 9, 2015/07/15) */
July 13, 2015
[redacted]
[redacted]
Washington DC 20007
Your Letter to the Revdex.com
Dear [redacted]:
We received your further correspondence forwarded to us by the Revdex.com (Revdex.com) of Minnesota and North Dakota.
We have reviewed the previous 4 complaints you have submitted through the Revdex.com, CFPB, and to TD Bank directly. One of our representatives also contacted you directly regarding this matter. We stand by all of our previous responses and will not be able to make an exception in reopening your account as that would be considered unfair and inconsistent to our other accountholders. Regardless of the credit limit or how the account was used, the same policy is applied to all accountholders that had their account closed for inactivity.
Please know that once an account is closed for inactivity the credit limit and available credit are immediately updated to reflect as zero to ensure additional charges cannot be made on the account.
We're also sorry with your frustration that a formal closure notice was not sent. However, these types of notices are considered a courtesy and it is not a requirement that they be sent. Please be assured that all business changes that have taken place on your account have been within the guidelines of your terms and agreement.
We sincerely regret if this situation has affected your relationship with Target but we are not able to change our decision in this matter.
Sincerely,
[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 Business Response /* (1000, 7, 2016/03/02) */
March 2, 2016
[redacted]
Hermitage TN 37076
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 added to your account. We're also sorry to hear about the service you experienced when you contacted us about this issue. Please know we strive to provide the best guest experience to all of our accountholders and we regret if that was not the case.
Please remember 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. However, we have reviewed your account and see that your statements were being returned to us by the USPS as undeliverable. As a result we have waived a total of $272.38 worth of fees on your account, bringing your balance to the original purchase amount of $189.33.
We've also sent a request to the credit bureaus asking that they remove the record of late payments from your account. Please note the credit bureaus may take up to 60 days to update their records accordingly.
Our records show that on February 24, 2016, during a phone conversation, you agreed to make a payment on the original purchase amount of $189.33. Please give us a call at [redacted] to make arrangements for paying your remaining balance.
You're a valued guest and we're sorry if this situation has affected your relationship with Target. We hope to see you in our stores again in the future.
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(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, 2016/03/03) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for responding and addressing this concern. I called in today (03/03/2016 at 2:52pm)and spoke with a Representative by the name of Breanna, she was very pleasant and helped me take care of the account. I paid the full amount of 189.33, Confirmation # [redacted]. I asked the representative to mail out a receipt to me showing this account has been paid in full. I will consider this case satisfied when the letter requested during my call is received. Thank you again for all of your assistance.