Target Card

Initial Business Response /* (1000, 8, 2015/12/18) */
December 18, 2015
[redacted]
Lilburn GA 30047
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 a payment being processed to your Target Credit CardTM account for a higher dollar amount than you intended.
On November 18, 2015, we issued a refund check to you in the amount of $192.00, which covered the $162.00 in payments you did not authorize as well as an additional $30.00 for the overdraft fee you were charged by your bank.
As discussed over the phone on December 8, 2015, we may be able to apply additional credits to your account for any other overdraft fees you received from your bank. Please fax bank documents showing the overdraft fees being assessed by your bank as a result of this overpayment issue to (480) [redacted], attention Jay at ext. [redacted].
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.
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, 6, 2016/03/02) */
March 2, 2016
[redacted]
[redacted]
Portland OR 97230
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 frustration or inconvenience you experienced when additional funds were taken out of your bank account after your Target Credit CardTM account had already been paid off in full.
Our records show you set up a payment arrangement with one of our phone representatives on January 14, 2016, to have $66.00 taken out of your bank account each month beginning February 15, 2016, and running through to June 15, 2016. Unfortunately, this arrangement did not get automatically cancelled when your payment in the amount of $4,344.57 was received on January 25, 2016, which paid your balance off in full.
As a result of our research into this matter, a refund check in the amount of $123.00 has been mailed to the address listed above. This amount covers the additional $66.00 payment along with the $57.00 overdraft fee you were charged by your bank.

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 Consumer Rebuttal /* (3000, 8, 2016/03/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First, this is not true, I DID NOT set up the auto payments in January 2016, it was 2015...I NEVER authorized the continuation of auto payments. YES I did receive the refund check HOWEVER I have now ALSO received another notice from Target stating on 03/13/16, they are going to withdrawn another 66 payment.
please stop withdrawing money from my account that I do NOT owe you.
Final Business Response /* (4000, 10, 2016/03/14) */
March 14, 2016
[redacted]
[redacted]
Portland OR 97230
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 additional frustration or concern caused by our last correspondence stating there are additional automatic payments scheduled to be taken out of your bank account.
After reviewing all of our systems and records regarding your Target Credit CardTM account, we've found there are no additional payments scheduled to be processed.
Please contact us at (888) [redacted] with any additional questions or concerns regarding this issue.
Thank you for the opportunity to respond.
Sincerely,
Darren [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM and TargetTM MasterCard(r). Subject to application approval (Target MasterCard not available to new applicants). The REDcard credit cards (Target Credit Card and Target MasterCard) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. The Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 7, 2015/07/13) */
July 9, 2015
[redacted]
Dorchester MA 02121
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 experienced regarding late fees being assessed to your Target Credit CardTM account.
Please remember that under the terms of your Credit Card Agreement, we assess a late fee if your monthly minimum due payment is not received by us by your due date. Because we did not receive a payment by your June 19th due date, a late fee of $25.00 was assessed.
Our records show that we've adjusted two previous late fees on your account within the last twelve months. Because we have already made recent accommodations, we respectfully decline to credit another late fee on your account at this time.
Although we understand that this is not the outcome you had wanted, we hope you'll understand that we must remain consistent in our credit policies in fairness to all our accountholders.

Please know that 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.
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]
Miami FL 33186
Your Letter to the Revdex.com
Dear [redacted]:
We received your correspondence forwarded to us by the Revdex.com of...

Minnesota and North Dakota.
We're sorry for any frustration or inconvenience you experienced as a result of late fees being assessed to your Target Credit CardTM account.
A review of our records shows that on April 15, 2015, the address on this account was changed to the one listed above via our online account management website. Since that time, we've been mailing statements to that address on the 23rd of each month and the US Postal Service has not returned any to us as undeliverable.
Please remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every month in order to avoid late fees and interest charges. You can view your account online in Manage My REDcardTM, or call us anytime at (800) [redacted] if you need to be advised of your current due amount.
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.
Thank you for the opportunity to respond.
Sincerely,
Darren [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My record of payment was perfect. the change of address was all that interfered with that constancy.
I realize they are not going to return my money, and I'm sure they realize they have lost a customer.
thank you for your attempt to rectify the situation.

Initial Business Response /* (1000, 7, 2015/11/11) */
November 10, 2015
[redacted]
Coatesville PA 19320
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 appreciate the time you've taken to let us know about your concerns.
We understand your frustration with no longer being able to make purchases on the Target.com website. However, because of recurring irregularities in your Target.com activity, we stand behind the decision to limit your Target.com privileges. Please know that per the terms and conditions of the Target.com website, Target reserves the right to terminate your use and to block future access to the site and you agree that we shall not be liable to you or any third party for any termination of your access to the site.
Thank you for your long standing patronage and your enthusiasm for TargetTM. We hope to see you at a Target store soon.
Sincerely,
Gene [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case #[redacted]
Target Card Services representatives are available 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, 2015/11/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The thing is I don't have any irregular activity on my Target.com. There's nothing suspicious from my orders that would provoke you to take such actions. I want a response from a higher up. Your response doesn't explain why because there's no irregular activity on my account.
Final Business Response /* (4000, 11, 2015/11/20) */
November 20, 2015
[redacted]
Coatesville PA 19320
Your Letter to the Revdex.com
Dear Ms. [redacted]:
We received your additional correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota.
We're sorry for your continued frustration. However, we stand by our previous decision to limit your Target.com privileges as a result of previous activity on your account.
Thank you for the opportunity to respond.
Sincerely,
Gene [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case #[redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 5, 2015/11/19) */
November 19, 2015
[redacted]
Milford CT 06460
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 due to the number of inquiries appearing on your credit report.
In reviewing your account, we've found the reporting to be accurate. According to our records, we first received an account application from you on July 11, 2014. The application was declined at that time due to no social security number being provided. We received a second application on July 15, 2014. That application was declined for the same reason. We then received a third application request on August 1, 2014, in which all the required information was provided and the application was approved. Please note that the credit report was not pulled for the third application attempt.
Our records also show we received a call from you on July 31, 2015, regarding this matter. At that time we provided the information described above.
Because it's an accurate reflection of your payment history, we respectfully decline to change the information we've reported to the national credit bureaus. 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, 2015/11/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Mr. [redacted]
I understand those applications were " incomplete " due the fact social security number was missing. Also its well understood on July 31 a call was placed to check the status of such application in which I was able to provide you with the social security number according to your response.
What I don't understand how you be able to access my credit profile without my social security. As a consequence I ended with a duplicate application.
Thanks for your " generosity " of not adding a 3rd application.
Due the lack of Cooperation I will forward al the proper documentation to my district attorney since you previously were
provided with a criminal complaint . You CAN NOT access my financial report without my consent on under no circumstance you should be allowed to access it without a SOCIAL SECURITY NUMBER.
I have kindly ask you to remove a Query due your lack of professionalism , but you are not willing to do so .
Will kindly appreciate if the Revdex.com looks at this as no resolved due the nature of the matter.
Thank you
[redacted]
Final Business Response /* (4000, 9, 2015/12/09) */
December 8, 2015
[redacted]
Milford CT 06460
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 any continued frustration you've experienced due to the number of inquiries appearing on your credit report.
We're also sorry for any confusion caused by our previous response dated November 19, 2015. We have reviewed our records again and see that a social security number (SSN) was provided at the time of all 3 applications. However, as part of the application review process we received communication from the credit bureaus advising the social security number was "not issued". This information received from the credit bureaus prevented the first 2 applications from being approved. If you have any additional questions on why the credit bureaus provided us with such a status about your SSN, please reach out to them directly. Please also note that information is reported to the credit bureaus based on your name and not the SSN.
All information we used for the credit inquiries was information you provided as part of the application process. As part of your application you authorize us to be able to check information about you with the credit bureaus and to report information to the credit bureaus. .
We stand by our previous response in that we are not able to change our reporting because each application was an authorization for us to pull a credit report. Again, we apologize that we cannot accommodate your request but we must remain consistent in our credit policies.
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, 2016/03/14) */
March 14, 2016
[redacted]
Naugatuck CT 06770
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 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.
As a courtesy, we've credited all late fees and finance charges assessed to the account, totaling $235.82. As a result of these credits, you have a credit balance of $235.46 on your account. We have processed a credit balance refund check; you should receive it in 7 to 10 days. We've also removed any negative credit bureau reporting that resulted from the late payments.
Thank you for the opportunity to respond.
Sincerely,
Darren [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM and TargetTM MasterCard(r). Subject to application approval (Target MasterCard not available to new applicants). The REDcard credit cards (Target Credit Card and Target MasterCard) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. The Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (2000, 7, 2016/03/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you very much. I have been refunded all fees and any negative reporting to collection bureaus have been removed. I am satisfied with response.

I am rejecting this response because:the issue is still not resolved.

Initial Business Response /* (1000, 10, 2015/07/02) */
July 2, 2015
[redacted]
[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 or inconvenience experienced due to previously not receiving your email alerts or paper statements.
A review of our records shows that email alerts have been sent on the 14th of each month to [email protected]. The alerts may be sent from [email protected] or [email protected]. Please ensure that you have updated your email settings to be able to receive messages from these two domains.
In addition, please remember that per the Manage My REDcardTM terms and conditions, alerts do not replace your billing statement. Target does not guarantee the delivery of any alert and your alert may be delayed or prevented by factors affecting your Internet or Third Party Service Provider. Any such issues need to be resolved with the Third Party Provider. You can check your account online, or call us any time at (888) 755-5856, to get your account balance and minimum due to avoid any additional late fees.
Our records also show that statements have been mailed on the 14th of each month to the billing address we have on file. None of these statements have been returned to us by the US Postal Service as undeliverable.
Because the late fees have been assessed per the Terms of your Credit Card Agreement, we respectfully decline to credit any fees on your account at this time. Although we know this isn't the outcome you had hoped for, 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,
[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 REDcard(r) 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. REDcard(r): Existing Target Credit Cards and Target(r) Visa(r) Credit Cards, and new Target Credit Cards.
Initial Consumer Rebuttal /* (3000, 12, 2015/07/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Received emails during time, not from target.
Final Business Response /* (4000, 14, 2015/07/17) */
July 17, 2015
[redacted]
[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 or inconvenience experienced due to previously not receiving your email alerts or paper statements. However, we stand by the comments provided in our response dated July 2, 2015.
Because statement alerts and statements have been sent to you, and none were returned to us as undeliverable, we are unable to waive any fees on your account at this time.
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 Business Response /* (1000, 5, 2015/12/21) */
December 21, 2015
[redacted]
Fitchburg WI 53719
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 account, as well as for an incorrect name showing on this Target Credit CardTM account.
If the name showing on your account is still not accurate please give us a call at (800)[redacted] and one of our representatives will assist you in correcting this. We're also sorry to hear you have not been receiving all of your billing statements. We've mailed them on the 9th of each month to the billing address you provided, and the US Postal Service has not returned any back to us.

Please remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every month in order to avoid late fees and interest charges. You can view your account online or call us anytime at the number provided above if you need to be advised of your current due amount. Visit target.com/rcam if you are interested in enrolling in Manage My REDcardTM, which allows you to view your statements and make payments online at any time.
We see that as a courtesy we have waived two late fees on your account in the past 12 months. For that reason, and 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 hoped for, 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, 2015/12/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Their response accepts zero responsibility. This issue has been ongoing(we have made multiple phone calls about the card and bill issues), not once has the actual issue been resolved. We have proof of multiple calls and at least 2 cards in hand with the wrong information that will coincide with our phone records. Not forgetting an email sent after the last card issue stating our frustration. At that time we stated that our final payment would include any current or past due purchases(not fees) and that the card is to be closed.

Initial Business Response /* (1000, 10, 2015/09/14) */
September 14, 2015
[redacted]
[redacted]
Kent WA 98032
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 guest experience you expect from Target.
As a courtesy we've waived the $25.00 fee and recalled your account from collections. We also mailed a paid in full letter to your billing address for your records.
Our records show your online Manage My REDcardTM account is available. You last successfully logged in on August 29th. If you have trouble accessing your account going forward, please contact us at (888) [redacted] for assistance.
Thank you for the opportunity to respond.
Sincerely,
Stephanie [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (2000, 12, 2015/09/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The issue of the fee being taken off was I originally requested in June 2014.

March 22, 2016
[redacted] [redacted]
Parma OH 44130

Your Letter to the Revdex.com
Dear [redacted] [redacted]:
We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota.
We're sorry for any confusion with your...

initial purchase of $139.53 on June 27, 2015. We offer Target guests an opportunity to save 5% every day on qualifying purchases when using a REDcardTM. When the account is first opened the initial purchase must be placed on the card.
As a courtesy, we've credited all of the late payment fees and interest charges that were assessed, totaling $207.54. As of today, these adjustments have created a zero balance on your account and you'll see the credits on your next statement.
We've also removed any negative credit bureau reporting that resulted from the late payments. Please note that it can take the credit bureaus up to 60 days to update their records accordingly.
Thank you for the opportunity to respond.
Sincerely,
Jessica [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM and TargetTM MasterCard(r). Subject to application approval (Target MasterCard not available to new applicants). The REDcard credit cards (Target Credit Card and Target MasterCard) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. 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, 2016/02/29) */
Thanks for contacting Target on behalf of our guest [redacted], case ID: [redacted].

Because this case involves a charge with the Target REDCard, please send the information to our Credit team at [email protected]

As...

always, we appreciate the assistance you provide us with our guests. If you have further questions, feel free to contact Target at (800)[redacted] and reference case number [redacted].
Final Business Response /* (1000, 12, 2016/03/04) */
March 4, 2016
[redacted]
Palmdale CA 93551
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 charges on your Target Credit CardTM as well as for the service you received over the phone. We know you count on receiving friendly, helpful service from us and we regret if this was not the case. We'll keep your comments in mind as we work to ensure we're always providing the kind of service you expect from Target.
After reviewing the account we see there was a purchase on December 13, 2015 in the amount of $124.25. The item purchased was "Beats By Dre Pill 2.0 Red." Then on December 15, 2015 there was a purchase for the same amount of $124.25. That item was for "LEGO Star Wars Wolf 6."
We have determined those purchases to be accurate as explained to you during a phone call on February 25, 2016. We mailed you the invoices regarding the purchases per your request during that call. They should be arriving shortly.
You may contact our Target.com department at [redacted] if you have further questions. We will be happy to assist.
Please know that you are a valued Target guest and we thank you for the opportunity to respond.
Sincerely,
Tina [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, and TargetTM MasterCard(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 Business Response /* (1000, 5, 2015/07/23) */
July 23, 2015
[redacted]
[redacted]
Hilo HI 96720
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've experienced as a result of returned transactions appearing on your debit card account.
Please remember that per your Target Debit Card Agreement, you agree that you will not use your card to make purchases for amounts in excess of available funds you have in your Deposit Account as determined by the financial institution holding your Deposit Account ("Depository Bank") as of the date the Depository Bank processes the electronic fund transfer (EFT).
We may resubmit an EFT one or more times if the Depository Bank has not sent funds equal to the total previously requested EFT amount. Your authorization will remain in effect until we have received
notification from you of your termination in such time and in such manner as to afford us and the financial institution that holds your Deposit Account to act on it.
Because the late fees have been assessed per the terms of your Credit Card Agreement, we respectfully decline to credit any fees on your account at this time. Although we know this isn't the outcome you had hoped for, we hope you'll understand that we must remain consistent in our policies in fairness to all our accountholders.
Please call us at (800) [redacted] with any concerns regarding any outstanding payments potentially going through the resubmission process.

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.
The Bullseye Design, Target and Expect More. Pay Less. are registered trademarks of Target Brands, Inc.
Initial Consumer Rebuttal /* (3000, 7, 2015/07/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response because I specifically asked to have these NSF fees stop posting to my account, thus withdrawing my consent for this to continue, and was told by the representative over the phone that it cannot be stopped. I asked for a supervisor and was told that he is a manager (which I see from other complaints is the response that anyone calling a Target number gets when they request management for additional help. Everyone we are speaking to is a supervisor) and was told that neither he or anyone else there could help me and that we were going around in circles and he would end the call, which he did promptly. He hung up on me. I have NEVER had a company, let alone a national corporation, have such a lack of empathy and refuse to extend a one time courtesy for any issue that has arisen. I have never complained or asked for special treatment, but in this case the scale and impact of this policy of frequently posting amounts at random and the fees accumulated on a regular basis has made it virtually impossible for me to pay ANY bills or payments to anyone. This practice has jeopardized not only purchases for my household, but payments for utilities and vital necessities for my family that have a negative impact on my family, especially my small children's, quality of life. There is absolutely no way for me to justify to my electric company, phone company, and landlord that payment arrangements made are defaulted on because Target posted a transaction from over a month ago, to my account AGAIN, and what's left isn't enough to cover the arrangement. I have requested to have this stop. I requested to arrange a payment date that is mutually satisfactory. The reason why I feel that I am deserving of reimbursement is because I was told no for EVERY SINGLE OPTION I GAVE TO TRY AND RECTIFY THIS SITUATION. Nothing that I suggested was sufficient and there was absolutely no compromise offered on Targets part. There wasn't an ounce of compassion or empathy about what this had done to my bank account so far, and will continue to do to my finances if left unaltered. I never tried to avoid responsibility. I have been vocal in a mutually beneficial solution. Target has completely disregarded my family's well being and will carry on regardless of the devastating impact it creates for us. This was said in not so many words by the representative I spoke to. "Nothing can be done to stop this, and no one can help you." This was reiterated to me in the response to my complaint. I am shocked that a corporation of your size, that does so much to show how much they care and give back to the community, would act in such a heartless and inauthentic manner towards a single family on the brink of bankruptcy. Target used to be my favorite store. The amounts that I have spent, my entire family over the years have spent in Targets, is staggering. You truly do not know a company until there is a difference of opinion or until an issue arises.. I foolishly expected more compassion from a corporation that goes to such great lengths to generate a positive public opinion as a caring company that strives to service communities in more ways than just a retailer. The realization that at no point are there any compromises or empathy for my family's specialized situation on any level to be found within Targets Corporate Headquarters is actually quite devastating. On a personal note, the reality of all the responses I have received as a loyal and decades long customer of Target, is surprising and very sad for me.

Initial Business Response /* (1000, 10, 2016/02/09) */
February 9, 2016
[redacted]
[redacted]
San Jacinto CA 92582
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. You did not receive a paper statement for December because your account was set up for online only statements through your Manage My REDcardTM account on December 15, 2015. We see that email alerts, notifying you that your monthly statements were available and could be viewed on the Manage My REDcard website, were successfully sent to the email address [email protected] on December 20th and January 20th. We see you changed your password successfully and logged on to your Manage My REDcardTM account on December 15th.
Please know, that as outlined in the terms of the Credit Card Agreement, a late fee may be assessed if your full minimum due payment is not received by your due date. Because we did not receive your $64.56 payment by your January 16th due date, a late fee of $24.09 was assessed. As a courtesy we've credited the $24.09 late fee. You'll see this credit on your next billing statement.
You're a valued guest and we appreciate your loyalty and patronage. We hope to see you in Target again soon.
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, 12, 2016/02/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept the credit of the late fee, which is all I was seeking. However your explanation of the facts are flawed, I understand that I chose to receive paperless monthly statements, and yes I was able to log on to the Manage My Redcard account on the 15th of December, however as of the due date on January 15th my account became past due so by the 20th of January my "Manage My Redcard account" was locked (as per your Policy)and I could not get in to manage anything. this is a flawed policy which should be changed so that a normal person can get into there account to pay a due bill. Locking someone out of the online account as a way to get them to call and or be late on paying said bill, just seems a bit sneaky and underhanded.

April 18, 2016 [redacted] Jersey City NJ 07306 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 disappointment with the credit...

limit on your account. We’re also sorry for any miscommunication that may have led you to believe your limit would be increased by a specific date. Once your updated income is on file, your account is reviewed for a credit limit increase on an ongoing basis for up to 12 months. During this time your account is not denied for a limit increase as the review process is continuous throughout that timeframe. However, please keep in mind we cannot guarantee when or if your credit limit will be adjusted. We see your most recent income update occurred on March 30, 2016 and you are eligible for our monthly credit limit review process. If you qualify for an increase, you will be notified by letter and you will see the increase reflected on your monthly statement. We value your feedback and appreciate you sharing your experience as we’re always looking to make adjustments within our policies that lead to more favorable changes for our guests. Thank you for giving us the opportunity to respond. Sincerely, Tina [redacted] Target Card 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. [redacted]

Initial Business Response /* (1000, 12, 2016/01/28) */
January 28, 2016
[redacted]
Altamonte Springs FL 32716
Your Letter to the Revdex.com
Dear Ms. [redacted]:
We received your correspondence forwarded to us by the Revdex.com of Minnesota...

and North Dakota.
We're sorry for the frustration you have experienced with your Target Debit CardTM. 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 three purchases totaling $99.91 were made in August 2015, and they were all returned unpaid by your bank because the bank account associated with your Target Debit CardTM was closed.
Our records indicate you spoke with a representative on January 4, 2016 and they reviewed the purchase information with you. You then let us know your daughter had used the card for the purchases in question. Our Target REDcardTM agreement requires that you protect your Target Debit Card personal identification number (PIN). You also agree to ensure the bank account associated with your card has funds available to pay for any purchases. Closing a bank account does not prevent purchases from be made with the REDcard.
At this time the balance due for the purchases is $99.91. Please call (800) [redacted] to make a payment or send it to:
Target Corporation Recovery Services
[redacted]
Tampa FL 33630-3171
Thank you for the opportunity to respond.
Sincerely,
Gene [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case #[redacted]
The Bullseye Design, Target and Expect More. Pay Less. are registered trademarks of Target Brands, Inc.
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, 12, 2015/08/20) */
August 18, 2015
[redacted]
[redacted]
Marysville WA 98270-8908
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 apologize for your frustration. Target is committed to providing exceptional service to all our guests, and we're sorry if that wasn't your experience.
In order to unlock your online account we will need you to contact us over the phone. Please call (800) [redacted]. Representatives are available to answer questions regarding REDcardTM Account Management daily from 7:00 am to 12:00 am CST.
As a guest courtesy, the $25.00 late fee assessed on July 8, 2015 was credited to your account.
We value open and honest feedback and appreciate you taking the time to share your experience so we may evaluate opportunities to improve our service.
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.
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 /* (2000, 14, 2015/08/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thanks you for your prompt response and resolution, I will try calling the phone number you have provided in hopes of getting my account unlocked.

Initial Business Response /* (1000, 5, 2016/02/19) */
February 19, 2016
[redacted]
Mclean VA 22102
Your Letter to the Revdex.com
Dear [redacted]:
We received your correspondence forwarded to us by the Revdex.com of...

Minnesota and North Dakota.
We're sorry to hear of any issues you experienced in receiving your statements. We mailed them on the 9th of each month to the billing address you provided, and the US Postal Service has not returned any to us as undeliverable.
Please remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every month. You can view your account online or call us anytime if you need to be advised of your current due amount.
As a courtesy, we've credited all late fees and finance charges assessed to the account, totaling $62.78. We've also removed any negative credit bureau reporting that resulted from the late payments. Please note the credit bureaus can take up to 60 days to update your files.
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, 2016/01/15) */
January 15, 2016
[redacted]
[redacted]
Wyoming MN 55092
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 disappointment with the credit limit on your Target Credit CardTM account. Per the terms of the credit card agreement, we review our credit accounts on a regular basis, and may decrease credit limits on accounts that haven't had any activity for several months leading up to the date of the decrease. According to our records, on November 11, 2015 your credit limit was decreased as a result of no activity on your account between August 11, 2014 and November 11, 2015.
We're also sorry to hear that you had a difficult time reaching one of our customer service representatives and that you didn't have the guest experience you have come to expect from Target. Please know that we pride ourselves in providing the best service to all of our guests and we regret to hear that wasn't your experience.
We take any potential unauthorized charges on your account seriously. Your account is closed but please call us at (888) [redacted] if you still feel there are unrecognized charges on your account.
We appreciate your loyalty and patronage and regret that this situation has affected your relationship with Target.
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 /* (2000, 7, 2016/01/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Whatever. Decreasing a credit limit by thousands of dollars after just a few months of inactivity and not notifying the cardholder of the change is wrong. Oh well, plenty of other cards out there. Problem solved.