Target Card

April 7, 2016 [redacted] Minneapolis MN 55447 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 recently received over...

the phone. We strive to provide excellent service to all of our guests and are sorry to hear that was not your experience. We’ll keep your comments in mind as we work to ensure we’re always providing the kind of service you expect from TargetTM. We’re also sorry for the frustration you’ve experienced regarding the returned payments assessed to your Target Credit CardTM account. After reviewing your account, we see there has been multiple online payments returned by your bank. The payments were returned due to insufficient funds. Although we are sympathetic to your situation, we are unable to waive the $25.00 returned payment fee that was assessed for each returned payment because it was not due to a Target error. We know this isn’t the outcome you had hoped for but please know that we must be consistent in our credit policies in fairness to all our accountholders. Your account is currently set up on a special payment plan of $10.00 each month beginning March 2016 through March 2017. Thank you for your payment of $69.00 received on April 1, 2016. Please continue to make your monthly payments by the due date to remain on the special payment plan. Please give us a call at ###-###-#### and we can assist you with updating your banking information if needed. Thank you for giving us the opportunity to respond. Sincerely, Tina [redacted] Target Corporate Services cc:  Revdex.com of Minnesota and North Dakota, Case # [redacted] Our normal business hours are: Mon- Thu, 7am - 9pm; Fri, 7am - 5pm; Sat, 7am- 3:30pm; Sun, 10am-6:30pm; Central Standard Time. We’re closed on some holidays. REDcardTM: Target Debit CardTM, Target Credit CardTM and TargetTM MasterCard®. Subject to application approval (Target MasterCard not available to new applicants). The REDcard credit cards (Target Credit Card and Target MasterCard) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. The Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. Pat 7,562,048 and 8,117,118.

I am rejecting this response because:
The credit card was never activated, and as per your letter, was returned to you after you sent it to the wrong address.  Contrary to your letter, I was NEVER given an opportunity review the information the Target representative manually...

entered into her system.  This is a disgraceful attempt by Target to collect revenue.  I will be filling a small claims lawsuit and have referred this case to the Consumer Financial Protection Bureau.  This is truly not the response I expected from Target.

Initial Business Response /* (1000, 5, 2015/10/08) */
October 7, 2015
[redacted]
Bay Shore NY 11706
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 service you recently received over the phone. We know you count on receiving friendly, helpful service from us and we regret if 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're also sorry for the frustration and inconvenience you experienced as a result of a returned payment fee being assessed to your account. Our records show that on August 31, 2015, we received a payment in the amount of $142.60. That payment was returned as unpaid by your banking institution on September 2, 2015 because we were unable to locate your bank account to process the funds.
Please remember that per your Target Credit Card Agreement, you will pay $25.00 each time any check or other payment order (including an electronic payment) is not honored by a depository institution. Because the returned payment fee was 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.
As a courtesy, we've credited the finance charge that was assessed on September 19, 2015, in the amount of $12.39. You'll see this adjustment on your next statement.
We appreciate your loyalty and patronage, and regret if this situation has affected your relationship with Target.
Sincerely,
Darren [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 7, 2015/11/06) */
November 6, 2015
[redacted]
[redacted]
Agency IA 52530-8104
Your Letter to the Revdex.com
Dear Mr. [redacted]:
We're sorry for any misunderstanding regarding the REDcardTM application. Please be...

assured it was not our intention to mislead you in any way. We offer Target guests an opportunity to save 5% every day on all qualifying purchases when using a REDcard.
As a guest courtesy, we requested that the national credit bureaus remove any record of late payment for this account from your credit report. The account was permanently closed on November 6, 2015. We will be sending you a letter to fill out and send back to us in order for us to complete our request for the credit bureaus to remove the inquiry that was created when the application was submitted. You will receive this in a separate mailing. Please know the credit bureaus may take up to 60 days to update their records.
As an additional guest courtesy, we've credited the late fees on your account creating a $60.00 credit balance. This will be sent to you in a separate mailing.
Thank you for sharing your experience with us. Please know that we continually evaluate and use feedback to support our mission of always providing excellent service to our Target guests.
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 Consumer Rebuttal /* (2000, 9, 2015/11/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I understand mistakes are made. I accept your apology and the refund of the extra charges and fees. The most important part is my credit rating and score being returned to what it was. With that, my love for Target will return. Thank you.
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/12/24) */
December 24, 2015
[redacted] E [redacted]
[redacted]
Keizer OR 97303
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 account. We see that when you contacted us on December 15, 2015, your account still had a small unpaid balance amount of $7.29. We credited that to your account as a courtesy on that same date. We also removed record of any late payments from the months of August, September, October, and November 2015 that were caused by that small balance.
Our records also show that you contacted us in January 2014 to set up phone payments. We understand you were under the impression that more payments had been set up. However, our records show only a payment for June 24, 2014 was set up. Please remember that during that time period you were enrolled in a 48 month payment plan that began in November 2012. As part of this payment plan you were notified that minimum payments of at least $45.22 were due each month.
As a courtesy, we've sent a request to the credit bureaus asking that they remove the record of late payments from your account from August and September 2014. Please note that the credit bureaus can take up to 60 days to update their records accordingly.
We're sorry for the frustration you've experienced. You're a valued guest and we appreciate your patronage.
Thank you for the opportunity to respond.
Sincerely,
Stephanie [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (2000, 7, 2015/12/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The company is removing the incorrect credit reporting as requested.

Initial Business Response /* (1000, 5, 2016/03/14) */
March 14, 2016
[redacted]
San Antonio TX 78240
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 with a delay in receiving your card and first billing statement, as well as for any issues experienced while trying to look up your information online.
As a courtesy, we've credited all remaining late fees and finance charges assessed to the account, totaling $94.55. 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.
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 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, 2016/03/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you so much for resolving this issue so thoroughly.

Initial Business Response /* (1000, 7, 2015/12/21) */
December 21, 2015
[redacted]
West Hempstead NY
Your Letter to the Revdex.com
Dear Ms. [redacted]:
We received your correspondence forwarded to us by the Revdex.com of Minnesota and...

North Dakota. We're sorry for your frustration with your Target Credit CardTM. Thank you for sharing your experience with us. We continually evaluate and use feedback to continue to support our mission of always providing an excellent experience for all of our Target guests.
Please remember that under the terms of your Credit Card Agreement, a minimum payment amount is due each month. This payment is due on or before the same day of the month listed on your monthly billing statements; otherwise, a late fee and interest charges may be assessed to the account.
Our records indicate you changed your statement delivery method to paper statements on October 12, 2015. Statements have been mailed to the address listed above and none were returned to us as undeliverable. A statement was mailed to you on October 22, 2015, for your minimum due payment of $25.00 due on November 19, 2015. No payments were received in this billing period.
Our research also shows that in the last twelve months two late fees were removed from your account as a guest courtesy. We respectfully decline to remove additional late fees because they were assessed per the terms of the account agreement. We hope you'll understand that we must remain consistent in fairness to all our guests.
Please know for future reference there are many options for reviewing your account information and making your payments, including:
Take a statement or your REDcardTM to your local Target store and make a payment at Guest Services. (Note: store payments must be made prior to close of business on your due date. Please ensure you keep your payment receipt.)
Pay online, and view your statement, through Manage My REDcard at www.Target.com/rcam. (Note: online payments must be made before 5:00 p.m. Central Time (CT), on your payment due date.)
Make a phone payment or obtain account information using our automated system by calling (888) [redacted]. (Note: payments made after 11:00 p.m. CT will post the following day.)

Thank you for the opportunity to respond.
Sincerely,
Gene [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case #[redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (3000, 9, 2015/12/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Your response states: Our records indicate you changed your statement delivery method to paper statements on October 12, 2015. This was not done purposely and I have been trying to get it back to paper statements since then because I was not receiving the paperless statements. This is when they began taking off the late fees. I was told that they would change it back to paper statements and they never did. Everytime I called I got a different response regarding my problem. One person said they would return my statements to paper, which never happened. Then I called back again when I was told they cant change it for me and tried to explain how I could change it. Apparently the change never took. Then I called back a third time at which someone told me if I have aol my statements will go to spam. My complaint is that NOBODY seems to know what they are doing and therefore I suffered. I wasn't receiving my statements! How do you expect me to pay my bill if I am not getting them? Then I finally asked for a supervisor at which time they said nobody was available and someone would call me back, which also never happened. So, now I am being held responsible for the incompetent people you are hiring! I am aware of how credit cards work and I pay my other credit cards regularly, however this is not a card that I use on a regular basis. You should train your staff to know how to deal with these issues instead of penalizing your customers!
Final Business Response /* (4000, 11, 2016/01/04) */
January 4, 2016
[redacted]
West Hempstead NY 11552-2706
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 with your Target Credit CardTM. We stand by our previous response. As previously communicated, you elected to receive paper statements on October 12, 2015. In addition, we provide accountholders numerous methods to obtain account information and to make payments.
In the last twelve months two late fees were removed from your account as a guest courtesy. We respectfully decline to remove additional late fees because they were assessed per the terms of the account agreement. We hope you'll understand that we must remain consistent in our policies in fairness to all our guests.
Sincerely,
Gene [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case #[redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 5, 2016/01/29) */
January 28, 2016
[redacted]
[redacted]
Chicago IL 60628
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 inconvenience and frustration you experienced when your Target Credit CardTM account was declined in the store. To ensure that we're providing our guests with the best security features for our credit and debit cards, we're replacing all existing cards with chip-enabled cards. Because the new card we sent you was not activated, your old card was deactivated to ensure it could not be used fraudulently.
Our records show that on January 16, 2016, we received a call from you and at that time you expressed you were not interested in using the new chip and pin card. For that reason your account was closed. We're sorry but your account cannot be reopened once it has been closed.
If you're still interested in a Target Credit Card, we welcome you to apply for a new account at any Target store or Target.com. Please call us at (888) [redacted] if you have any further questions or concerns.
Thank you for the opportunity to respond.
Sincerely,
Darren [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.
Initial Consumer Rebuttal /* (3000, 7, 2016/01/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I NEVER request that my account be closed. I hope you understand that it is ILLEGAL for your agent to close my account on a RECORDED LINE without my permission. If this is not resolved I will have a lawyer determine a judge to pull that call and listen and sue for damages.
Final Business Response /* (4000, 9, 2016/02/12) */
February 12, 2016
[redacted]
[redacted]
Chicago IL 60628
Your Letter to the Revdex.com
Dear [redacted]:
We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota.
We're sorry for the continued inconvenience and frustration you experienced when your Target Credit CardTM account was closed.
We stand by our response dated January 28, 2016, in that our records show on January 16, 2016, we received a call from you and at that time you expressed you were not interested in using the new Target MasterCard chip and pin card. As explained previously over the phone, once your account was upgraded to the MasterCard, your original Target REDcard was no longer valid. We're sorry but your account cannot be reopened once it has been closed.
Also as mentioned in our previous response, if you're still interested in a Target Credit Card, we welcome you to apply for a new account at any Target store or Target.com. Please call us at (888) [redacted] if you have any further questions or concerns.
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, 10, 2015/09/17) */
September 17, 2015
[redacted]
[redacted]
Jersey City NJ 07310
Your Letter to the Revdex.com
Dear [redacted]:
We received your correspondence forwarded to us by the Revdex.com of...

Minnesota and North Dakota.
We're sorry for your frustration. Our research shows the unpaid balance for your March 2013 statement was $65.06. This included your $9.02 February 24th charge. We did not receive any payments towards this balance on your April 2013 statement.
A $35.00 late payment fee and an interest charge of $1.37 brought your balance total for April to $101.43. On May 5th we did receive a $42.01 payment. However, because the minimum payment was $82.04, another $35.00 late payment fee was added along with an interest charge of $1.91, bringing your balance to $96.33. We received your $96.33 payment on May 24, 2013. For your records we've resent copies of your January through June 2013 statements. You should receive them within seven to ten business days.
On February 12, 2013, we credited the $13.95 late fee that was assessed on February 2nd. While we sympathize with your situation, we're not able to credit any more fees at this time, because the fees were assessed per the terms of your account agreement. We're sorry for any disappointment or frustration this may cause but we must remain consistent in our policies in fairness to all of our accountholders. Please remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every month.
Please be assured that we comply with current laws regarding consumer credit. At this time your account has a zero balance and was permanently closed per your request on May 12, 2013.
We regret any frustration you've experienced regarding our statements. Our statements do not include an itemized list of what was purchased with each transaction. Please remember that we give you an itemized receipt with each purchase at the store. Additionally, you can call us any time within 90 days of purchase if you need more information about your Target store transaction.
You're a valued guest and we're sorry this has affected your relationship with Target. We hope you'll consider choosing Target again for your shopping needs.
Sincerely,
Stephanie [redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118.

Initial Business Response /* (1000, 5, 2015/10/22) */
October 22, 2015
[redacted]
[redacted]
Magnolia DE 19962
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. We reviewed our records and did not see the Target Gift CardTM you reference being entered as payment for these transactions. Your Target Debit CardTM was used as payment as that was the only payment method available for new charges in your Target.com account wallet.
As a courtesy, we sent a $50.00 Target Gift Card to your mailing address on October 14th. We sent a second $50.00 Target Gift Card on October 20th.
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 Business Response /* (1000, 12, 2015/07/08) */
July 8, 2015
[redacted] M [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 the frustration you experienced regarding late fees being assessed to your Target Credit CardTM account as a result of an online payment being returned.
Our records show that on March 23rd an online payment of $71.51 was made on your account through the REDcardTM account management website. This payment was returned on March 27th as unpaid by your bank due to incorrect banking information being provided. On March 30th a letter was mailed to you advising that this payment was returned.
We did speak with you on the phone on April 21st. During this call your account was closed per your request. Please also note that no late fees had been assessed to your account at this point because your due date was May 11th.
Because we did not receive an additional payment by your May 11th due date, a late fee and interest charge were assessed. We also didn't receive a payment by your June 11th due date which resulted in an additional late fee and interest charge. We did receive your $134.94 payment on July 1st which brings your account to a zero balance.
We're sorry but we respectfully decline to credit any late fees on your account because they were not a result of a Target error. We're also sorry that we could not fulfill your request for a statement to be sent showing only your original purchase amount. We are only able to send you copies of your original statement. Although we know this is not the outcome you had wanted, we hope you'll understand that we must remain consistent in our credit policies in fairness to all our accountholders.
Thank you for the opportunity to respond.
Sincerely,
[redacted]
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # [redacted]
Target Card Services representatives are available 24 hours a day, 7 days a week.
The REDcardTM credit cards are issued by TD Bank USA, N.A. The Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under license. Visa is a registered trademark of Visa USA, Inc. REDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards.

Initial Business Response /* (1000, 7, 2015/12/22) */
December 22, 2015
[redacted]
[redacted]
Manchester MA 01944
Your Letter to the Revdex.com
Dear [redacted]:
We received your correspondence forwarded to us by the Revdex.com of...

Minnesota and North Dakota.
We appreciate the time you've taken to let us know about your concerns. We're sorry for your frustration regarding any negative credit reporting related to this Target Credit CardTM account.
In reviewing this account, we've found your dispute to be legitimate. We've removed all past due payment history from your account.
Please note that 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,
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.