Target Card

Initial Business Response /* (1000, 5, 2016/03/09) */
March 9, 2016
[redacted]
[redacted]
Valentine NE 69201
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 payment issue on 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.
After reviewing your account we found a processing error occurred while setting up a payment plan during your phone call with us on October 26, 2015. We've removed the negative credit bureau reporting for February 2016 that resulted from the processing error.
Please note the credit bureaus can take up to 60 days to update your files. You may verify the status after that time by contacting the credit bureaus directly at the following addresses or phone numbers.
Equifax Experian Trans Union
PO Box 740241 PO Box 2002 PO Box 1000
Atlanta, GA 30374-0241 Allen, TX 75013 Chester, PA 19022
(800) 685-1111 (888) 397-3742 (800) 888-4213
Thank you for the opportunity to respond.
Sincerely,
Tina [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, and TargetTM MasterCard(r). Subject to application approval (Target MasterCard not available to new applicants). The REDcard credit cards (Target Credit Card and Target MasterCard) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. MasterCard is a registered trademark of MasterCard International, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (2000, 7, 2016/03/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 10, 2015/12/30) */
December 30, 2015
[redacted]
Citrus Heights CA 95610
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 understand and are sorry for your resulting frustration because your recent payments didn't result in an immediate availability of credit. Please know we post your payments to your account on the date we receive them but we may temporarily hold your available credit in the amount of the payment to ensure that your payments clear your bank. Per the terms and conditions of your Target Credit CardTM, "we may delay in restoring your available credit limit in the amount of the payment to make sure we receive the funds".
While we sympathize with your frustration over this situation, we're not able to offer any compensation. You're a valued guest and we appreciate your patronage. We're sorry you chose to close your account over this issue.
Thank you for the opportunity to respond.
Sincerely,
Stephanie [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
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, 13, 2016/01/04) */
I am not accepting the response given. Apologies are null and void at this point. What business does this and gets away with it!? Three months of havock and lock down. On my account in which the card could not be used until I have a decline on the card and have to call the guess services not once not twice but multiple times to fix the problem at hand. They never fixed anything!
Final Business Response /* (4000, 16, 2016/01/12) */
January 12, 2016
[redacted]
[redacted]
Citrus Heights CA 95610
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, please know we post your payments to your account on the date we receive them but we may temporarily hold your available credit in the amount of the payment to ensure that your payments clear your bank.
Per the terms and conditions of your Target Credit CardTM, "we may delay in restoring your available credit limit in the amount of the payment to make sure we receive the funds". Please be assured that we comply with current laws regarding consumer credit.
We're sorry this has affected your relationship with Target and we regret you chose to close your account over this issue.
Sincerely,
Stephanie [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 5, 2015/11/04) */
November 4, 2015
[redacted]
[redacted]
Opelika AL 36801
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 your Target Debit CardTM account. Although we do understand your frustration, please know that per the Target Debit Card terms and conditions, you agree that any electronic fund transfers (EFTs) may occur several days after your transaction date. In addition, we do charge a fee and resubmit the transaction when there are not enough funds to cover your purchase amount.
On October 21st we sent you a letter informing you your October 15th and 16th transactions had been returned by your bank. Because the returned payment fees were not a result of a Target error, we are unable to issue any credits to your account or reopen your account to new charges. Although we know this isn't the outcome you had wanted, we hope you'll understand that we must remain consistent in our policies in fairness to all our cardholders.
Please also know that at this time there is an unpaid balance owed of $168.95 on your account. Please contact us at (888) [redacted] to make payment towards that balance.
Thank you for the opportunity to respond.
Sincerely,
Stephanie [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (3000, 7, 2015/11/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I understand that I have to pay returned check fees but not being able to open my card back up is ridiculous. My bank account was closed and it was an honest mistake. Due to the tardiness of Target's letter informing me of the issue, I was not able to correct my banking information quickly and resulted in too many transactions. Waiting a year to be able to open my account back up is not justifiable as this could have been avoided. Not to mention that I called and paid the account in full as soon as I received communication from Target informing me of the issue.
Final Business Response /* (4000, 9, 2015/11/11) */
November 11, 2015
[redacted]
[redacted]
Opelika AL 36801
Your Letter to the Revdex.com
Dear [redacted]:
We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota.
We're sorry for your continued frustration. While we are sympathetic to your situation, because the returned payments on your account were not a result of any Target error; we are unable to reopen your Target Debit CardTM. Although we know this is not the outcome you had wanted, we hope you'll understand that we must remain consistent in our policies in fairness to all our accountholders.
If you are still interested in a Target REDcardTM, please consider applying for a Target Credit CardTM. You can apply in person right at the Target checkout lane. You can also apply online or download a mail-in credit application form at www.target.com/redcards.
We also offer an American Express Prepaid REDcard which allows you to still receive the 5% REDcard rewards. We have more information about this product at www.target.com/prepaidREDcard. If you have further questions about either product, you may also contact us at (888) [redacted].
You're a valued guest and we appreciate your patronage. We hope to see you at 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 Business Response /* (1000, 7, 2015/09/30) */
September 29, 2015
[redacted]
Atlanta GA 30345-2830
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 experienced with the returned payment on your Target Credit CardTM. Target is committed to providing exceptional service to all our guests, and we're sorry if that wasn't your experience.
Please remember, under the terms of your Credit Card Agreement, a minimum payment amount is due each month. This payment is due on or before the same day of the month otherwise; a late fee and interest charges may be assessed to an account.
On your statement dated July 14, 2015 a minimum payment of $25.00 was due by August 11, 2015. A payment of $25.00 was received on August 2nd and returned unpaid from your bank on August 5th. The $25.00 was placed back on the balance of your account and a $25.00 returned check fee was assessed. In the following billing cycle we received a $58.00 payment on August 20, 2015, which was also returned unpaid on August 25th.
Please know that we did send notices advising you that your account was past due. On August 15th an email alert was sent to [redacted]@student.gsu.edu. On August 16th a text alert was sent to the phone number of (646) [redacted]. In addition, a supervisor did attempt to reach you on September 4, 2015, but received no answer.
As a guest courtesy, the $50.00 in returned payment fees has been credited to your account. However, please keep in mind that we are unable to guarantee your account would be eligible for such fee waivers in the future.
At this time your account remains open, if you wish to close the account you may call (888) [redacted].
You are a valued Target guest, and we appreciate your patronage.
Sincerely,
Gene [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case #[redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (2000, 9, 2015/10/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)
the resolution I sought was received. Thank you

April 6, 2016 [redacted] Antioch TN 37013 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 misunderstanding regarding the...

REDcardTM application. Please be assured it was not our intention to mislead you in any way. Your initial purchase of $96.46 on May 17, 2015, was charged to the account. We received a payment of $92.00 on September 4, 2015. As a courtesy, we’ve credited all of the late payment fees and interest charges totaling $285.68, which will be reflected 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. As of today, these adjustments have created a remaining balance of $4.46 on the account, due by May 8, 2016. If you’re concerned about your payment reaching us on time by mail, we offer several payment options. Take your statement or your REDcard to your local TargetTM store and make a payment at Guest Services. (Note: store payments must be made prior to close of business on your due date. Please be sure to keep your payment receipt.) Make a phone payment using our automated system by calling ###-###-####. (Note: payments made after 11:00 p.m. CT will post the following day.) You can also view your account online, or call us anytime if you have questions about your current minimum payment due. 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®. 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]

March 21, 2016
[redacted]
Jacksonville FL 32211
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 you never received your...

new card. On March 9, 2016, we changed your account number and sent you a new card per your request.
Our records show your January 22, 2013 purchase of $25.43 was returned unpaid by your bank due to insufficient funds. A $25.00 returned transaction fee was assessed as a result. On January 30, 2013, the $25.43 was resubmitted and it was paid on January 31, 2013. We see you called on January 31, 2013, inquiring about this returned transaction. We sent a letter to your address on February 7, 2013, notifying you of the $25.00 returned transaction fee. In addition, on August 16, 2015, your $56.54 purchase was returned unpaid by your bank due to insufficient funds. We resubmitted this amount to your bank on August 26, 2015, and it was paid. We sent you a letter on September 3, 2015, notifying you of the $30.00 returned transaction fee that was assessed. You paid both returned payment fees, totaling $55.00, on March 9, 2016.
Please keep in mind within our account agreement we outline that electronic fund transfers may occur several business days after a transaction has occurred and after the date shown on your transaction receipts, and that cardholders agree to ensure funds are available to cover all transactions. If funds aren't immediately available to cover your transactions, a returned transaction fee may be assessed. We would also like you to know that we do not report Target Debit CardTM transactions and payment history to the national credit bureaus so this would not have impacted your credit reporting in any way.
Thank you for the opportunity to respond, and we hope to see you shopping at Target again soon.
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. 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.Just need the amount I'm supposed to pay? Do I have to call Target or ERC collection agency?

Initial Business Response /* (1000, 10, 2015/10/16) */
This is an attempt to collect a debt.
Any information obtained will be used for this purpose.
October 16, 2015
[redacted]
[redacted]
Lacey WA 98513
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 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.
We also regret your frustration with the fees that were assessed to your account. On April 12th, a charge of $72.26 was made to your account. We received a $72.50 payment on May 24th. On June 9th, a charge of $20.64 was made on your account. Another charge of $47.48 billed to your account July 3rd. Because we did not receive a minimum payment by your due date of July 28th, a late fee of $20.40 was assessed. An interest charge of $1.42 was also assessed August 3rd.
We received a $20.64 payment on August 4th. A credit of $.01 also posted August 4th. On August 11th, we credited your $1.42 interest charge and your $20.40 late fee, which left a balance of $83.31.
On August 28th, a late fee of $35.00 was assessed as we did not receive your full minimum payment of $37.00 by your due date. An interest charge of $1.08 was also assessed September 3rd. On September 14th, the $35.00 late fee from August 28th was credited. We also received a $40.00 payment on September 14th. An interest charge of $1.00 was assessed October 3rd. Please know that in order to avoid interest charges from being assessed to your account you must pay your balance in full by your payment due date.
There is a remaining balance of $9.31 on your account. The amount of $7.24 is from previous charges that are still owed and the $2.07 amount is for interest charges assessed September and October 3rd.
Per your request, we permanently closed your account on September 24th. We're sorry you chose to close your account over this issue.
Sincerely,
Stephanie [redacted]
Target Corporate Services
cc: Revdex.com of Minnesota and North Dakota
Case # 57315420
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

March 24, 2016
[redacted]
Colorado Springs CO 80920
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.
We regret if there was any confusion when you spoke to our representatives regrading when Target contacted you. Our records show that we contacted you on January 15, 2016 in an attempt to set up a payment arrangement to bring your account current and avoid any additional fees. At that time you declined setting up a payment arrangement and we have no records of it being mentioned during that conversation that you did not receive your previous billing statements.
We're sorry but at this time your account is not eligible for a courtesy late fee adjustment. 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 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, 2016/02/23) */
February 23, 2016
[redacted]
[redacted]
Royal Oak MI 48073
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 with the negative credit bureau reporting related to your Target Credit CardTM account.
As a result of the returned mail status on your account, we have removed the negative credit reporting for June 2015. A request has been sent to the credit bureaus asking them to update your files accordingly.
Please note the credit bureaus can take up to 60 days to update your files. You may verify the status after that time by contacting the credit bureaus directly at the following addresses or phone numbers.
Equifax Experian Trans Union
PO Box 740241 PO Box 2002 PO Box 1000
Atlanta, GA 30374-0241 Allen, TX 75013 Chester, PA 19022
(800) 685-1111 (888) 397-3742 (800) 888-4213
Please know as an alternative to receiving paper statements, you can sign up to view your statements online through Manage My REDcardTM at www.Target.com/rcam. Here you can get up to date account information at any time.
The current address we have on file for your account is [redacted] Royal Oak MI 48073. Please call us at [redacted] if this is the incorrect address.
Thank you for the opportunity to respond.
Sincerely,
Tina [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (2000, 7, 2016/02/24) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for fixing this issue. I appreciate the service offered thru Target and Target RED card
Final Consumer Response /* (3000, 12, 2016/02/24) */
I accept the final result however I need the deletion letter in official letter form please!
Final Business Response /* (4000, 14, 2016/02/26) */
We sent our response to her original complaint on February 23, 2016. We also sent a paper copy on letterhead to the guest through the mail on the same day.
We consider this matter closed. She should be receiving her letter shortly.
Thanks for forwarding the guests request.

Final Consumer Response /* (2000, 11, 2015/07/30) */
Case resolved.

Initial Business Response /* (1000, 11, 2016/02/16) */
February 12, 2016
[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 to hear of any issues which may have prevented you access to view your account online, as well as for any frustration you 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 call us anytime if you have questions about your current minimum due payment.
As a courtesy we've adjusted the late fees and finance charges assessed to your account, totaling $98.75. These adjustments have created a zero balance on your account and you'll see the credit processed on your next statement. We've also removed any negative credit bureau reporting that resulted from the late payments.
Thank you for the opportunity to respond.
Sincerely,
Darren L
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 7, 2016/01/05) */
January 5, 2016
[redacted]
Elk River MN 55330
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 y our concerns and for giving us the opportunity to clear up any confusion regarding your Target Credit CardTM account.
Please know, we can only draw out payments from your bank account that you authorize. On May 13, 2015, a series of phone payments were set up where you authorized us to withdraw $30.00 payments from your bank account on the 12th of each month, running through July 2015.
We're sorry if you feel we didn't properly notify you that your payment plan was going to end. Please keep in mind that when you were enrolled in the plan our phone representative advised you of the duration of the plan. We also sent paperwork to you in the mail after you were enrolled in the plan which outlined the dates your account would be enrolled.
In addition, we mailed a billing statement to the address listed above, as well as sent an email alert to [redacted]@mngastro.com, notifying you of a $25.00 minimum payment due by August 10, 2015. Late fees were assessed and the minimum due payment for the following month increased as a result of no payment being received by August 10th. 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. We're also unable to change the information we are reporting to the national credit bureaus because it's an accurate reflection of your payment history.
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, 9, 2016/01/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have asked Target many time to please change my address to the correct address. They fail to do so. The address given above is the wrong city. Also I didn't receive any e-mail from Target saying the payment plan was over. I had to call Target myself to find out the payment plan was over. I have never missed a payment I always paid a payment I just did not pay the correct amount, because of target card service and the department that helps people with payment plans had a lack of communication. I thought the hole point of a payment plan is to help people in a time of need not to put them in a worse situation then they were in before the payment plan. I also thought you are not supposed to sent people to collection when they are paying payment. I agree it was not the right amount, but I never missed a payment.
Thank you for your help
[redacted]
Final Business Response /* (1000, 12, 2016/01/25) */
January 22, 2016
[redacted]
Otsego MN 55330
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 concerns regarding the payment plan that was set up on your Target Credit CardTM account.
As we stated in our response dated January 5, 2016, we're sorry if you feel we didn't properly notify you that your payment plan was going to end. We've included a copy of the letter that was sent on June 20, 2014, advising that this was a twelve month plan. Please keep in mind that our phone representative also advised you of the duration of the plan when you were initially enrolled in the plan.
Also as stated in our previous response, we mailed a billing statement to the address listed above, as well as sent an email alert to [redacted]@mngastro.com, notifying you of a $25.00 minimum payment due by August 10, 2015. Late fees were assessed and the minimum due payment for the following month increased as a result of no payment being received by August 10th.
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. We're also unable to change the information we are reporting to the national credit bureaus because it's an accurate reflection of your payment history.
Please also know that the address listed above is what we have on file for you. If this is not accurate, please give us a call at (888) [redacted] and we can update your information.
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.
Final Consumer Response /* (3000, 14, 2016/01/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Darren [redacted]
The only reason you have the correct address now is because I asked target to change it many time over the last year and they only just changed it in the last month. Target also only told me about the condition in the beginning. Not when it was over. I had to find out on my own. I never got not e-mail or letter after program was over. If you feel that there is nothing you can do for me. I really hope you looking into this for people in the future. Because of target and your lack of communication my husband credit score is not high enough now because of this we are not able to refinance are house. His credit score is right on the boarder and by target sending us to the credit bureau we may lose are house now.Thank you for your help and doing everything you can do.I'm sorry you feel you have done everything you can do. I still love target and wish you would understand I did everything I could after I found out on my own that my program was done. Thanks for your time. I hope you have a wonderful day.

Initial Business Response /* (1000, 10, 2015/12/30) */
December 30, 2015
[redacted]
[redacted]
Titusville FL 32780
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 not receiving your credit balance refund when you anticipated. Please know that our system does send a credit check out automatically if it hasn't been requested by the accountholder after a certain period of time.
Our records show your credit balance, in the amount of $17.38, was sent on November 30, 2015. In addition we see that per your request, your account was permanently closed on October 18, 2015. We're sorry if this has affected your relationship with Target but we hope to see you in our stores again in the future.
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, 2016/01/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Finally received check

Initial Business Response /* (1000, 10, 2015/10/14) */
October 14, 2015
[redacted]
[redacted]r
Saginaw MI 48602
Your Letter to the Revdex.com
Dear [redacted],
We received your correspondence forwarded to us by the Revdex.com of Minnesota and...

North Dakota.
On March 31, 2015, we received a letter from you stating payments you sent had not posted to your Target Credit CardTM account. One of our disputes representatives left a message at the number you provided requesting more information about the missing payments. Because we did not hear back from you, we closed the dispute on April 2nd and sent a letter to your billing address requesting more information about the missing payments.
We're sorry, for security reasons we are not able to discuss your account via email. We've resent the payment dispute letter to your billing address. If you would like to reopen your payment dispute, we need to have you provide banking or other payment information from these missing payments. You may also fax this information to the payment disputes department at (612) 307-7981.
Because of the status of your account, your Manage My REDcardTM account has been disabled. We're sorry for any inconvenience or frustration this has caused.
Thank you for the opportunity to respond.
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 Consumer Rebuttal /* (3000, 12, 2015/10/21) */
My original complaint was answered in writing by Target via US mail. Company now alleging that I spoke to representative about payments made by me not being credited to my account. I did not speak to anyone phone. I do not do any personal business by phone. I am not satisfied with the response I received and want no further contact from Target.I requested that they:
Credit my account for payments already made
Contact all credit reporting agencies acknowledging company's account crediting error
I now want no further contact from Target concerning this matter.
Final Business Response /* (4000, 14, 2015/10/28) */
October 28, 2015
Revdex.com of Minnesota and North Dakota
220 S. River Ridge Cir
Burnsville, MN 55337
[redacted], Case # [redacted]
Dear Revdex.com of Minnesota and North Dakota:
Thank you for forwarding [redacted]'s complaint. In the second correspondence from Ms. [redacted], she has requested Target no longer contact her concerning this matter.
Ms. [redacted] is requesting we credit her account for payments she made. As we stated in our previous response, we received a letter from her on March 31st advising that her payments had not posted to her Target account. One of our disputes team members left a message for Ms. [redacted] asking her to call us back regarding these missing payments. Because we did not hear back from her, we closed the dispute on April 2nd and sent a letter to her billing address requesting more information about the missing payments.
On October 9th, we resent the payment dispute papers to her billing address. In order to further assist Ms. [redacted] with her missing payment dispute, she needs to complete and return the payment dispute paperwork we sent.
Thank you for the opportunity to respond.
Sincerely,
Stephanie [redacted]
Target Card Services
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 7, 2015/09/03) */
September 3, 2015
[redacted]
Barnhart MO 63012
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 your frustration related to the unauthorized use of your credit card. We appreciate your feedback, as we're always looking to make adjustments within our policies that lead to favorable changes for our guests.
On June 3, 2015, we received contact from you stating unauthorized charges were made to your account. We renumber your account and sent you an affidavit to fill out and return.
Our investigation found that [redacted] was added to your account through our online account management system which is password protected. The only way to gain access is to have the correct username and password associated with the account. We accepted your fraud claim and sent you a letter confirming $2,026.44 was credited to your account. The account was closed on June 3, 2015.
Thank you for the opportunity to respond. You are a valued Target guest, and we appreciate your patronage and loyalty.
Sincerely,
Gene [redacted]
Target Card Services
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (2000, 9, 2015/09/08) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accepted Targets response. They have reimbursed me for most of the fraudulent charges on my account.

Initial Business Response /* (1000, 5, 2015/08/14) */
August 14, 2015
[redacted]
Winsted CT 06098
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. We're also sorry for your disappointment with the service you recently received over the phone. We know you count on receiving friendly, helpful service from us. We regret that wasn't your experience. We'll keep your comments in mind as we work to make sure we're always providing the kind of service you expect from Target.
We appreciate you notifying us that you're working through the CCC to process payments to your Target Credit CardTM account. Please be advised that at the time of notification, a payment is still required on your account during each billing cycle. Your account reported as past due to the credit bureaus due to the fact we didn't receive any payments for the April or May billing cycles.
In reviewing your account, we've found the reporting to be accurate. 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 that this is not 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.
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, 2015/08/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Hello,
I do not accept this response. Clearly, like all other parties contacted at Target credit, my letters were not read. Target credit is looking at 2 late payments that fall into the situation that I will reiterate below. I have done this on the phone, by letter, via Revdex.com, OCC and now here without any human consideration to my story. Please read below why I am being treated unfairly and why the reporting to credit agencies that resulted in my credit score dropping 140 points that will be on my credit history for 7 years is grossly unjust and irresponsible.
We are the using the services of Consumer Credit Counciling Service to pay down moneys owed to Target and others. I have never missed a payment in 30+ years of credit history, ever. Not a blemish, credit near perfect except for a few points off for carrying high balances which is why we used a service to make sure creditors get paid.
We called target twice to tell them our situation, target put a note on our account well before any late payment took place. Consumer Credit Counciling Services took our money to pay off Target. They started negotiating with Target about terms, we were not privy to the negotiations and were not informed by Target as to what transpired or that payments were still being negotiated. Targets computer systems registered the late payments automatically while negotiations were apparently still happening. We were marked late and reported on two occasions to credit agencies by Target while the terms that we were not involved in were discussed. We had made sure to call twice before any of this so that there would be on a note on the account so this wouldn't happen. Clearly no one considered this and read the notes on the account. Target claims above that late payments dictate that they must stand by their "policy" and obviously do not respect customer relations or read notes attached to their own systems before wrongfully reporting customers. Had they looked at the notes they would have seen that we entered in a payment contract well before any reporting or late fees were assessed. I NEVER missed or paid late up until this time to show that my payment history with Target was perfect, yet they cite in the response that late payment history dictates that they uphold their punishing actions. We were under contract and Target was in negotiations with Consumer Credit Counciling Services when the late penalties assessed by Target took place.
I cannot control the speed of how these negotiations took place only knowing now that Target took an exceedingly long time to finalize with CCC while I was being reported to Equifax in the background by Targets automated computer systems. Apparently the computers control the humans as no one at Target could be reasoned with and since I am under contract with CCC there is no avenue to speak to anyone but that department. The department I spoke with hung up the phone on me as it was approaching time to leave and stated that they can't help me and I would have to read the back of my statement to see what the terms were. They also were not willing to listen that I am not trying to get one over on Target and that my situation falls between the cracks of their "policy", it is not a black and white issue. I had no intention of paying late and in fact paid CCC to pay target but Target could not be paid while they dragged their feet. During negotiations the money sat there for them to take. Why am I being punished by Target when this is clearly a internal red tape problem in their infrastructure? Why does a perfect payment customer not get to speak with a representative of Target as a whole instead of being funneled to a department that understands that they cannot make a profit on a canceled and paid customers and are treated like annoyances. I was hung up on and belittled and was lied to about speaking to a manager. I was told I could not and that the person I was speaking to was the ONLY person I could talk to. You have the recording and so do I, please listen to it. Target is clearly in the wrong in thinking that computers control the human side of customer service and did not consider my situation. I do not accept the letter above. I will continue with the OCC and Revdex.com, media outlets and will release the abusive call from the Target rep on the internet. I have contacted media outlets who are interested in my story. The tape will take your breath away, so rude, so unprofessional on Targets part. Embarrassing even.Perhaps since Target is unwilling to help a good customer it will give people an understanding that Target only goes by "policy" and despite being wronged, that they will be treated to the same abysmal customer service that will undoubtedly make people think twice before patronizing Target. I have been approached by a credit lawyer in your state and will now consider hiring him on. He assures me that I have a strong case.
I am not asking for the money I was charged by late fee penalties, only that the wrongful reporting that devastated my credit be repealed as it should not have been reported in the first place. A customer in good standing with a reasonable and just request with plenty of evidence to support his case should not be punished by a corporate entity that has no consideration for good customer history or take the time to help the people that made them a successful company. Shame on you target you have no reason for not considering my plight as I have no late payment history, have given you thousands of dollars, and since I am no longer a source of profit for your company, am being thrown out as humans only judge customers by stats fed to them by their computers that do not reveal the entire story.
I will take this case to whatever end and agency can help. If I cannot get Target to reconsider then Target has failed their base and will undoubtedly lose business as when companies lose their human side, they fail since the people they rely on are in fact, humans.
Shame on you target for not being humans.
Final Business Response /* (4000, 9, 2015/08/25) */
August 24, 2015
[redacted]
Winsted CT 06098
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 the comments in our previous response, dated August 14, 2015. 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 a late fee and potential negative reporting. Because we did not receive a payment from you for the April and May billing cycles, your account was reported as two months past due.
Please also know that regular payments are required on your account while negotiations are occurring with Consumer Credit Counseling (CCC). The proposal from CCC was not approved until May 23rd and your first payment on the plan was not received until May 29th.
In reviewing your account, we've found the reporting to be accurate. 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.
Also, as stated in our August 14th response, we're sorry for your disappointment with the service you received over the phone. We'll continue to review this matter to ensure the Target experience is excellent for all our guests.

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, 2015/07/15) */
July 13, 2015
[redacted]
Farmington Hills MI 48336
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 to hear of the circumstances described in your letter regarding your health and for the frustration you've experienced with how your account is reporting to the national credit bureaus.
Our records indicate that we did not receive a minimum payment in full for your December 2014, January and February 2015 billing periods. We did receive your $381.75 balance in full payment on February 20, 2015.
While we are sympathetic to your situation, we respectfully decline to change the information we report to the credit bureaus because the late payments were not a result of a Target error. The reporting is an accurate reflection of your payment history and we are obligated as a credit issuer to be accurate in how we report the status of all accounts. Although we know this is not the outcome you had wanted, we hope you'll understand that we must remain consistent in our credit policies in fairness to all our accountholders.
Please know that you're a valued guest and we appreciate your patronage and loyalty. We're sorry you chose to close your account over this issue; however, we hope you'll continue to choose Target for your shopping needs.
Thank you for the opportunity to respond.
Sincerely,
Stephanie [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
The REDcardTM credit cards are issued by TD Bank USA, N.A. The Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under license. Visa is a registered trademark of Visa USA, Inc. REDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards.

Initial Business Response /* (1000, 5, 2015/12/11) */
December 11, 2015
[redacted]
Waukesha WI 53186
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 due to not receiving the 5% REDcardTM savings on your entire Target store purchase.
In addition, we're sorry if there was any miscommunication when you called us regarding your request for a credit limit increase. At this time we do not offer instant same day credit limit increases; however, we do have a monthly credit limit review process. To be eligible for that process, we require updated income information on your account. If you qualify for an increase, you will be notified by letter and you will see the increase reflected on your monthly statement.
If you would like to update the income associated with your account to ensure you're eligible for the monthly review, please give us a call at (888) [redacted]. When prompted, indicate you would like to speak to a team member.
We understand that you wanted to be able to receive the 5% REDcard discount on your entire purchase. Therefore, along with the $3.50 that was discounted from your purchase at the point of sale, we've credited an additional $8.38 to your Target account.
Please contact us at (888) [redacted] if you have 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, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (2000, 7, 2015/12/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/08/19) */
August 19, 2015
[redacted]
Anaheim CA 92804
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 in regards to an unauthorized transaction appearing on your Target Credit CardTM account. Please be assured, we take these matters very seriously.
We've received your completed affidavit form. A provisional credit for the transaction in question, in the amount of $264.99, has been assessed to your account while we complete our investigation. You can expect a follow-up communication regarding our resolution within 30 days.
Please call us at (800) [redacted] Ext. [redacted] if you have any additional questions.
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.