Target Card

Initial Business Response /* (1000, 5, 2015/12/08) */
December 8, 2015
[redacted]
[redacted]
Grand Prairie TX 75051
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. Because we don't have your third party card information, we're not able to look up these transactions and assist you with this issue. Please contact us again at [redacted] and provide us with the credit card number you used for this transaction, the total of the transaction and the exact dates of the purchases in question. You may also contact your third party card directly and dispute this with them.
Please note that if you received a Target GiftCardTM with your purchase your transaction may be broken up into multiple transactions. For example, if your total purchase was for $100.00 and there was a $20.00 gift card with purchase, the transaction would be split into one charge of $80.00 and another charge of $20.00. The reason this is done is if you were to return the item, your refund would be less than the total purchase amount to account for the free gift card you received. However, please be assured that we are not charging you extra for receiving this gift card.
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.

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.
Thank you very much for your assistance in this matter.
[redacted]

Initial Business Response /* (1000, 7, 2016/01/18) */
January 18, 2016
[redacted]
Nashville TN 37211-4742
Your Letter to the Revdex.com
Dear Ms. [redacted]:
We received your additional 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 one of 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.
On your statement dated October 26, 2015 there were new purchases totaling $90.31, with a minimum payment of $25.00 due by November 23, 2015. We received a $90.31 payment on November 25, 2015. However, because this was received after your due date, a late fee and interest charge were assessed to your account.
As a guest courtesy we have removed the remaining balance on your account, which consists of a late fee and interest charge, for a total credit of $27.72. We're sorry if this has affected your relationship with Target. If you still wish to close your account please call (800) [redacted].
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 /* (3000, 9, 2016/01/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is not what I got from the young lady that I talked. She was clearly rude from the beginning. Never realized that payment was late. Nothing mentioned about the girl screaming at me or the worst customer service ever. Nothing said to her? No discipline ? I work I customer service and am not trying to get her fired. Didn't anyone listen to the recording of our conversation? Can't believe it is all put on me and not a word about discipline!

Initial Business Response /* (1000, 5, 2016/02/26) */
February 26, 2016
[redacted]
Sylmar CA 91342
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 for any frustration you experienced related to unauthorized charges appearing on your Target Credit CardTM account. We take any potential compromise of an account seriously and will do anything we can to assist our guests.
Our records show that all transactions taking place from September 17, 2015 to September 27, 2015, have been marked as unauthorized charges and removed from your account balance.
We've also credited additional late fees and interest charges, totaling $139.12, which were assessed December through February. You'll see these credit adjustments on your next statement.
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

Initial Business Response /* (1000, 5, 2016/01/21) */
January 21, 2016
[redacted]
[redacted]
Dows IA 50071
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. Please know that per the terms of your account agreement, we may assess a late fee if your full minimum due is not received by your due date. We did not receive any payment towards your balance for the months of December 2015 or January 2016.
Our records show your account was enrolled in Manage My REDcardTM on September 26, 2014. At that time, you also selected the option for online only statements. You can check your balance and account information any time by logging on to your Manage My REDcard account.
As a courtesy we have waived the late fees and interest charges, totaling $62.34. You will see these credits on your next statement.

You're a valued guest and we hope you'll continue to use your REDcardTM and save 5% on most items you purchase at Target and Target.com.
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, 2016/01/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you, I do really appreciate this and I promise this will not happen again.

Initial Business Response /* (1000, 5, 2016/02/09) */
February 9, 2016
[redacted]
[redacted]
Modesto CA 95350
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 remember that as outlined in the terms of your Credit Card Agreement, a late fee may be assessed if we do not receive your full minimum due payment by the monthly due date. Late fees were added to your September, October, November, and December 2015, and January 2016 statements because we did not receive your minimum payment in full by your due date. We see that one of our phone representatives spoke with you on January 15, 2016. During that call you stated you would make a $20.00 payment at the store on January 16th, however, we have not received any payments towards your balance.
Our records do not show that your card or any of your statements were returned to us by the USPS. We sent them to the billing address you provided, which is the same address you provided in your correspondence to the Revdex.com. Please contact us at (888) 755-5856 to get a replacement card or copies of your statements.
As a courtesy we've removed all fees from the months outlined above. You'll see credits totaling $174.77 on your next billing statement. We've also sent a request to the credit bureaus asking they remove the record of late payments from your account for these same months. Please note the credit bureaus may take up to 60 days to update their records accordingly.
Your account still has a balance owed of $27.90 from the charge you made on August 1, 2015. Please make a payment in that amount as soon as possible to avoid any further fees from being assessed.
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.

Initial Business Response /* (1000, 7, 2015/10/05) */
October 5, 2015
[redacted]
[redacted]
Studio City CA 91604
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 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 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. We have reviewed your account and see that late fees were added to your October and November 2014, January 2015 and June 2015 statements because we did not receive your minimum payment in full by your due date.
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. However, statements were sent to you every month outlining the account information such as fees that were assessed, the next due date, and the minimum due payment.
While we are sympathetic to your situation, we respectfully decline to waive the late fees on your account or change the information we report to the credit bureaus. This reporting is an accurate reflection of your payment history and to make changes would misrepresent the status of your account. 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 loyalty and patronage. We hope you'll continue to choose Target 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 Consumer Rebuttal /* (3000, 9, 2015/10/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The representative did not address the fact that there was no previous balance on my account and that I was not made aware of the late charge by telephone call or mail. She stated that I had paid the balance late on other occasions. That is true. Those late payments were payed before they became 30 days late. It is not uncommon for people to pay bills a bit late. That does not show evidence that I was aware that there was a late charge on the bill at all. That shows that I paid d the bill without being 30 days late in the past and paid the late charge. I was unaware of the charge which makes it impossible to pay something that I did not know about. Target made no effort to contact me regarding this bill. I was not given a chance to pay this charge. They also claim that it would be unfair to other customers to remove this item from my account. It is not federal law to remove items because of a mistake or miscommunication. There is no reason why Target would be so uncooperative unless they would like to lose a very good customer by insisting that they have to leave this mark on my credit. I am sure Target would like that I and millions of other customers continue to use their credit cards. I will not close this account because this would negatively affect my credit rating but I will not use it again. I will not shop at target again. I know I am just one small person and that Target is such a big entity but their actions are affecting me on a personal level. I have no other late charges on my credit report from the 15-20 accounts that are listed. I am a good customer and I do not deserve to be treated like this. Please Target, reconsider. I have done nothing wrong and do not deserve this late payment to be on my credit report.
Final Business Response /* (4000, 11, 2015/10/16) */
October 16, 2015
[redacted]
[redacted]
Studio City CA 91604
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 previous response. As we stated in that response, calls to you when your account is past due are a courtesy and is not something that is done for all accounts. However, statements were sent to you every month outlining the account information such as fees that were assessed, the next due date, and the minimum due payment.
Late fees were added to your October and November 2014, January 2015 and June 2015 statements because we did not receive your minimum payment in full by your due date. A payment made after your due date is considered late. Because these fees were added per the terms of your credit card agreement, and are not a result of Target error, we're not able to remove them.
You're a valued guest and we're sorry this has affected your relationship with Target.
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, 5, 2015/12/01) */
December 1, 2015
[redacted]
[redacted]
Tucson AZ 85718
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 the email alerts for your Manage My REDcardTM account. We have reviewed our records and see the information shown on your Manage My REDcard account is accurate.
Please note that your due date is always the 10th of the month. However, if you make your payment early, the alert is still automatically sent; but will state nothing is due when you log in to the online website. You can always click on "view statement" to find out your minimum payment due and your due date. You can also contact us anytime at (888)[redacted] to find out your payment due date or your minimum payment amount.
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].
We're sorry but we respectfully decline to change the information we report to the credit bureaus because it's an accurate reflection of your payment history. 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.
We're sorry if this issue has affected your relationship with Target.
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 Vsa(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, 2015/12/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is exactly the response the person gave me on the account mail correspondences. It's very disappointing that you neglect to care that your system works properly. Like I said in the complaint, and to the other person, even when I haven't made an early payment, the payment and due date do NOT show up on my bill until the day it is due. If an alert is sent out telling me there is a payment due, the account should reflect that, THAT IS THE WHOLE POINT OF THE ALERT. If you aren't going to make your system function properly and work like any other company's system then you should put a disclaimer in the account agreement. This is an absolute joke that I would just have to assume the date and amount. If my payment amount due says $0 and my due date shows NO date, I should not have to go into a statement to verify this. Fix your system and stop screwing people over. I have always liked target and even worked at target when I was younger. This is an absolute joke and I will NEVER shop at target again or use the redcard again and the account will be closed when it's paid off. Despicable!
Final Business Response /* (4000, 11, 2015/12/15) */
December 14, 2015
[redacted]
[redacted]
Tucson AZ 85718
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 with the email alerts for your Manage My REDcardTM account. However, we stand by our previous response. We have reviewed our records and see the information shown on your Manage My REDcard account is accurate.
Please note that your due date is always the 10th of the month. An alert is sent to you on the 14th of the month letting you know a new statement is available. However, if you make your payment before logging on to Manage My REDcard, the website will show that nothing is due for that cycle because a payment was already made. You can always click on "view statement" to find out your minimum payment due and your due date. You can also contact us anytime at (888)[redacted] to find out your payment due date or your minimum payment amount.
In addition to sending you the statement alerts, we also sent an alert on July 14th letting you know your account was past due. You also elected to receive an alert 10 days prior to your due date and these have been sent successfully every month. Therefore, we respectfully decline to change the information we report to the credit bureaus because it's an accurate reflection of your payment history. 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. We hope you'll continue to choose Target 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, 7, 2016/01/27) */
January 27, 2016
[redacted]
Camdenton MO 65020-2745
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.
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; otherwise, a late fee and interest charges may be assessed to the account.
Our records indicate you opened the Target Credit CardTM on August 3, 2015. On your statement dated October 25, 2015, there were new purchases of $56.80 with a minimum due payment of $25.00 by November 22, 2015. We didn't receive a payment on your account until a $56.80 payment was received on January 8, 2016.
We see that you enrolled in our online REDcardTM Account Management system on August 31, 2015 and chose paperless statement delivery. Notifications were sent to [email protected] each month letting you know a statement was ready to be viewed. Per your request, alerts were also sent to this email address 10 days prior to your due date. In addition, an alert was sent on November 26, 2015 letting you know your account was past due.
Your Target Credit Card was closed at your request on January 2, 2016. As a guest courtesy, we have credited $64.54 in fees and interest, bringing your account to a zero balance.
We're sorry this has affected your relationship with Target but we hope you'll consider shopping at Target again soon.
Thank you for 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 Business Response /* (1000, 5, 2016/02/18) */
February 18, 2016
[redacted]
Happy Valley OR 97086-9146
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 that on November 30, 2015, your Target Debit CardTM was debited the amount of $78.91 as a result of you disputing this transaction with your bank. This amount was credited to your checking account by your bank but it created a balance on your Target Debit Card account.
In addition, on February 11, 2016, we processed a credit to your checking account in the amount of $34.99 for an item that was left at the Target store. However, a balance still remained on your Target Debit Card for merchandise that you purchased but we did not receive payment for.
We can see that a payment arrangement was set up on February 11, 2016 for the balance of 78.91. After that payment your Target account no longer has a balance.
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.
The Bullseye Design, Target and Expect More. Pay Less. are registered trademarks of Target Brands, Inc.

April 19, 2016 [redacted] [redacted] Berkeley CA 94705 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 for your frustration regarding negative credit reporting related to this Target Credit CardTM account as well as for any potential identity theft. A review of our records shows we have no previous information on file informing us of potential identity theft on your account. At this time, to have a fraud claim opened, please send a letter which includes details such as time frame when the identity theft occurred, possible suspect if identified, the charges you’re disputing, police report if available, and your signature. You can send this information to the address listed below. Target Card Services [redacted] Minneapolis, MN 55440     Your account is now being handled by Midland. If you any additional questions or concerns regarding the present status of your account, you may contact them at ###-###-####. 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®. 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.

I am rejecting this response because:
I was already told this already, I have already updated my income numerous times over the past year and are continuously told the same thing. I would like to know when my account was reviewed for an increase? What factors are the issue as to why my limit is not being increased? As a consumer I have the RIGHT To know what needs to be done to increase credit limits and why I am being denied a credit increase. I have not received anything in the mail because my account is not being reviewed. This is a known issue with target and there are several complaints about target not increasing credit limits. I have great credit and I pay this card on time every month! And I utilize the card. this card is no help to me the consumer so I will be cancelling it.

Initial Business Response /* (1000, 7, 2015/11/20) */
November 19, 2015
[redacted]
[redacted]
Buffalo MN 55313
Your Letter to the Revdex.com
Dear Mr. [redacted]:
We received your correspondence forwarded to us by the Revdex.com of...

Minnesota and North Dakota.
We'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.
Our records indicate that one of your statements was returned to us as undeliverable by the postal service. Please know a representative credited the late fees and interest charges to your account which were associated with the returned statement. Your account now has a zero balance. 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.
While speaking to you over the phone on November 3, 2015, a representative requested a new card be sent to you. If you still wish to close your account you may call (888) [redacted]. We're sorry if this has affected your relationship with Target but we hope to see you at Target again in the future.
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.

April 12, 2016 [redacted] Lithonia GA 30058 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...

refund of a Target GiftCardTM you purchased, as well as for the late fees assessed on your Target Credit CardTM. We also regret if you didn’t receive the service you have come to expect from Target when you spoke with our phone representatives. Please know we strive to provide excellent service to all of our guests and we are sorry to hear that was not your experience. After reviewing your situation we see the full refund of $100.00 was issued back to your PayPal account on March 21, 2016. If you do not see the refund in your PayPal account please contact them to file a dispute. In addition, we’re sorry if there was any miscommunication regarding a credit being applied to the balance of your REDcardTM account. 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. We have reviewed your account and see that fees were added to your January and February 2016 statements because we did not receive your minimum payment in full by your due dates. As a courtesy we’ve waived the fees that were assessed for the months stated above. You will see credits totaling $64.20 on your next billing statement. This has created a credit balance on your account that is being sent to you and should arrive 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 for January and February 2016. Please note the national credit bureaus may take up to 60 days to update their records accordingly. 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.

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.Thank you for your help in resolving this issue.

April 13, 2016 [redacted] Pewaukee WI 53072 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 regret the frustration you’re having with...

the reporting of your account 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 know that we take all claims of fraud very seriously. We have mailed you an affidavit for you to fill out, sign, and return. In order for us to process your claim, please return the affidavit to: Target Card Services [redacted] Minneapolis, MN 55440 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. [redacted]

April 7, 2016 [redacted] Monroe LA 71202 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 have experienced...

related to your account being past due as well as for the service you received over the phone. We know you count on receiving friendly, helpful service from us and regret that wasn’t your experience. We’ll keep your comments in mind as we work to ensure we’re always providing the kind of service you expect from TargetTM. After reviewing your TargetTM Visa® Credit Card account, we can see that your account was set up on a special payment plan for June 2015 through June 2019, with a payment of $51.10 due each month. All payments were made on time June 2015 through October, however we did not receive a payment from you for November and December 2015. We received another payment of $51.10 in January 2016 but no payment was received for February 2016. During a phone conversation with you on March 8, 2016, you authorized phone payments in the amount of $55.00 to be taken out of your bank account on the 28th of each month for March through August 2016. Since we did not receive your scheduled payments for November and December 2015 as well as for February 2016, your account has fallen past due. In order to bring the account current you will need to pay $200.50 by the due date of April 28, 2016. We also see that you have a Target Credit CardTM account. That account is current with a payment of $97.00 due on April 28, 2016. As a reminder, please call us at ###-###-#### in August to set up the next 6 payments for your Target Visa Credit Card account, or if you have any further questions regarding your account. Please be sure to reference which account you are calling about to ensure we are providing you the correct account details you may need assistance with. Thank you for giving us the opportunity to respond. Sincerely, Tina [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-6:30pm; Central Standard Time. We’re closed on some holidays. 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, 2016/01/07) */
January 7, 2016
[redacted]
[redacted]
Woburn MA 01801
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 show on September 20, 2014, you enrolled your account in automatic payments through Manage My REDcardTM. Please keep in mind that even though you made a payment of $22.30 on October 1st, an automatic payment was still made on your account on October 16, 2015 because you never cancelled your automatic payments.
Automatic payments are processed each month on your due date. Auto payments will still be processed even if you make an additional one-time payment before your due date. This information was disclosed when you enrolled in automatic payments. Because your $21.23 payment from October 16th was returned due to your bank account being closed, we cancelled the automatic payment feature on your account to prevent future returned payments.
Because the $21.23 returned payment fee was not due to any Target error, we're not able to credit the returned payment fee to your account. 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.
You're a valued guest and we appreciate your patronage. We hope you'll continue to choose Target 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 Consumer Rebuttal /* (3000, 7, 2016/01/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Thanks for looking into the issue and responding back. However I do not agree with the resolution for the following reason
1. I did not made the additional payment but it was a payment due amount after the target card statment was generated from my new bank account using online banking .
2. I am using several other credit cards and all of them have a auto pay set up but in the event when I make the payment myself after the credit card or store card statments are generated, then despite having set auto pay they never debit my bank again.
3. It is very disappointing from customer point of view, when a customer already made the statment due amount even well before the store would have debited the bank account, why the business is again trying to debit. It is definitely a system issue and should be rectified and should not happen when the balance is already paid why it should be debited again.
4. I am not sure what disclosure you are referring to, but this is not the way other card works and would appreciate target to relook into the matter and as a curtesy , credit me back $21.23 which was charged to me.
thanks in advance!
regards
[redacted]
Final Business Response /* (4000, 9, 2016/01/20) */
January 20, 2016
[redacted]
Woburn MA 01801
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. As we stated in our previous response, even though you made a payment of $22.30 on October 1st through online banking, an automatic payment was still made on your account on October 16, 2015 because you never cancelled your automatic payments.
Auto payments will still be processed even if you make an additional one-time payment before your due date. This information was disclosed when you enrolled in automatic payments for your Target Credit CardTM. We understand if other credit card companies have a different process but please keep in mind that each company is unique in how they process their payments.
Because the $21.23 returned payment fee was not due to any Target error, we're not able to credit the returned payment fee to your account. 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.
You're a valued guest and we appreciate your patronage. We hope you'll continue to choose Target 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, 2015/06/17) */
June 17, 2015
[redacted]
Berwyn PA 19321
Your Letter to the Revdex.com
Dear [redacted]:
We received your correspondence forwarded to us by the Revdex.com of Minnesota and North...

Dakota.
We're sorry for any confusion. Please know that it was not the intent of our store team member to be misleading in anyway in working with you to open a Target Credit CardTM. Please also know that while store team members are able to guide you through the application process for a new REDcardTM account, they do not have access to enroll guests in Manage My REDcardTM.
Our records indicate that your account was opened on February 3, 2013. On September 19, 2013 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 [email protected], which was provided to us on the date you enrolled in online only statements. We sent email alerts to this email address and we received timely payments until your March 2015 statement. Because we did not receive a full minimum payment for the months of March and April, late fees and interest charges were assessed in accordance with the terms of your account agreement.
Your statement delivery method was changed on May 19th to receiving both paper and online statements. The email address on your account was also updated on June 3rd to: [redacted]@verizon.net. You'll receive paper statements starting with your July 2015 statement. However, you can continue to view your statements online through Manage My REDcard or call us at (888)[redacted] anytime to find out your minimum payment due amount.
We were able to credit the finance charges that were assessed on your March, April and May statements. Those credits of $1.20, $1.00 and $1.40 posted to your account on May 28th. Unfortunately, we are unable to credit any additional fees on your account at this time. Although we know this isn't the outcome you had hoped for, we hope you understand that we must be consistent in our credit policies in fairness to all our accountholders.
You're a valued guest and we appreciate your patronage and loyalty.
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, 2015/06/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
In March of 2015 when I visited the Target store in Malvern I stopped at the customer service desk to pay the bill and the representative encouraged me to change my target account. We agreed to do so, but he never asked me or verified with me my current email address. I am very disappointed with Target's policy and lack of communication about the account. This appears to be nothing more than a way to generate more revenue and I feel like the victim. If nothing can be done about this, I intend to close my Target account. There must be a better way for them to improve their bottom line.
Thank you for taking the time to forward this complaint to Target in spite of the unfavorable outcome.

Initial Business Response /* (1000, 7, 2015/07/09) */
July 9, 2015
[redacted]
[redacted]
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 regarding negative reporting to the national credit bureaus.
Our records show that this account was sold to Midland on February 24, 2012. If you would like to know how Midland is reporting your account you may contact them at (800) 825-8131.
Please know that Target is still required to report this account to the credit bureaus as being purchased by another lender. We are also required to report what the final balance was with Target prior to the account being sold. Because your bankruptcy was filed after the account was sold we are not able to report this account as a bankruptcy.
Unfortunately, because this is an accurate reflection of the status of your account, we are unable to change what we are reporting. Any additional communications we've sent to the credit bureaus regarding this account have been to ensure their records are consistent with what we have on file for the activity on this account up until it was sold.
Although we know this isn't the outcome you had wanted, we hope you'll understand that we are obligated as a credit issuer to be accurate in how we report our accounts.
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, 9, 2015/07/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The entire account is included in bankruptcy, therein the reporting of it at Target and Midland would be included in bankruptcy. The ONLY credit profile not properly updated is Equifax and this is unacceptable. I have supplied all documents, Midland updated everything correctly the first time. I have consulted with my lawyer, this IS IN CONTEMPT of the bankruptcy court discharge and I have a case if this isn't corrected properly.This is discrimination.
Final Business Response /* (4000, 11, 2015/07/21) */
July 21, 2015
[redacted]
[redacted]
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 you've experienced regarding negative reporting to the national credit bureaus.
We stand by our response dated July 9, 2015, in that Target is still required to report this account to the credit bureaus as being purchased by another lender. We are also required to report what the final balance was with Target prior to the account being sold. Because your bankruptcy was filed after the account was sold we are not able to report this account as a bankruptcy. Please know that our reporting is required per federal reporting guidelines.
Unfortunately, because this is an accurate reflection of the status of your account, we are unable to change what we are reporting. Any additional communications we've sent to the credit bureaus regarding this account have been to ensure their records are consistent with what we have on file for the activity on this account up until it was sold.
Although we know this isn't the outcome you had wanted, we hope you'll understand that we are obligated as a credit issuer to be accurate in how we report our accounts.
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.