Target Card

Initial Business Response / [redacted] (1000, 7, 2016/03/16) */ March 16, [redacted] Chicago IL Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for any frustration or inconvenience you experienced as a result of your statements being sent to the incorrect address Please be assured, the only address we use in the application process is the address provided to us at the time of the applicationWe have located your application and our records show the address used to apply for the account was [redacted] , Skokie IL, As a courtesy, a credit adjustment was processed to your account on March 7, 2016, in the amount of $This adjustment created a zero balance on your account at that timeWe've also removed any negative credit bureau reporting that resulted from the late payments Thank you for the opportunity to respond Sincerely, Darren [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, 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.AThe REDcard debit card is issued by Target CorporationThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (2000, 9, 2016/03/17) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Final Consumer Response / [redacted] (2000, 11, 2015/07/30) */ Case resolved

April 15, [redacted] Los Angeles CA Your Letter to the Revdex.com Dear [redacted] ***: We received your correspondence forwarded to us by the Revdex.com of Minnesota and North DakotaWe’re sorry for any frustration you’ve experienced in resolving a dispute with your Target Debit CardTMOur records show we left you a voicemail on March 10th at the home telephone number we have on file of ###-###-####We advised you that your bank has not returned the fraud item back to TargetWe are unable to process this claim until your bank returns the fraudulent purchase to usPlease contact your bank to have them return the item as fraudOnce your bank has returned the item to us, please give Kayleen a call at ###-###-####, extension ***, to complete the processing of your claimPlease know that you are a valued Target guest and we thank you for the opportunity to respondSincerely, Tina [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a weekREDcardTM: 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.AThe REDcard debit card is issued by Target CorporationThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 10, 2015/10/14) */ October 14, [redacted] r Saginaw MI 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 accountOne of our disputes representatives left a message at the number you provided requesting more information about the missing paymentsBecause 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 emailWe've resent the payment dispute letter to your billing addressIf you would like to reopen your payment dispute, we need to have you provide banking or other payment information from these missing paymentsYou may also fax this information to the payment disputes department at (612) 307- Because of the status of your account, your Manage My REDcardTM account has been disabledWe'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 business hours are: Mon- Thu, 7am - 9pm; Fri, 7am - 5pm; Sat, 7am- 3:30pm; Sun, 10am-8:30pm; Central Standard TimeWe're closed on some holidays REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject 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.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (3000, 12, 2015/10/21) */ My original complaint was answered in writing by Target via US mailCompany now alleging that I spoke to representative about payments made by me not being credited to my accountI did not speak to anyone phoneI do not do any personal business by phoneI 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 / [redacted] (4000, 14, 2015/10/28) */ October 28, Revdex.com of Minnesota and North Dakota SRiver Ridge Cir Burnsville, MN [redacted] ***, Case # [redacted] Dear Revdex.com of Minnesota and North Dakota: Thank you for forwarding [redacted] ***'s complaintIn the second correspondence from Ms***, she has requested Target no longer contact her concerning this matter Ms [redacted] is requesting we credit her account for payments she madeAs 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 accountOne of our disputes team members left a message for Ms [redacted] asking her to call us back regarding these missing paymentsBecause 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 addressIn 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 CardSubject 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.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 5, 2015/10/05) */ October 5, [redacted] Chanhassen MN 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 frustrationOur records indicate that on March 4, you enrolled in Manage My REDcardTM online and elected to receive online only statementsAlerts advising you that your statement was ready to be viewed were sent to the email address of [redacted] , which was provided to us on the date you enrolled in online only statementsPlease keep in mind that calls to you when your account is past due are a courtesy and is not something that is done for all accounts Because we did not receive a full minimum payment for the months of April and May, late fees and interest charges were assessed in accordance with the terms of your account agreementWe're sorry but we are unable to waive any of the late fees, or remove the credit bureau reporting, because the late payments were not a result of a Target error Although we understand this is not the outcome you had wanted, we hope you'll understand that we must remain consistent in our credit policies in fairness to all our accountholders You're a valued guest and we appreciate your patronage and loyaltyWe're sorry you chose to close your account over this issue Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject 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.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) Not acceptableI switched to paperless billing to help you! Look at my spotless history when I was on paper billing to prove out what type of customer I am Your process is flawedWhen someone switches over keep sending automated emails until you get a responseIf no response just call the number on the account (which is the same number you called once when my account was way past due and we discovered your emails were going to spam) This is going to cost me .25% on a $400,loanIt is the only late pay on my credit history Is there nothing you can do? Final Business Response / [redacted] (4000, 9, 2015/10/14) */ October 14, [redacted] Chanhassen MN Your Letter to the Revdex.com Dear [redacted] : We received your further correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota While we sympathize with your situation, we stand by our previous responseBecause the late payments were not a result of a Target error, we are unable to remove the credit bureau reporting Please know that it's always our preference to accommodate our guests, it's unfortunately not possible in this circumstance because we have to remain consistent in our policies in fairness to all guestsWe appreciate your past patronage and hope you'll consider Target again for your shopping needs Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject 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.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 5, 2015/11/12) */ November 12, [redacted] Santa Clara CA 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 frustrationPlease know that we have been mailing statements to the billing address you provided at the time you opened your account, which is the same address provided to the Revdex.com as your current addressNo statements have been returned to us by the USPS as undeliverableWe have resent copies of all statements on your account and you should receive them within to business daysIn addition, our records do not show you enrolled in our online account management program to receive online statements from usHowever, you are able to view your statements and make a payment online at any time by visiting Target.com/rcam and signing into your account As a courtesy we've credited the fees that were assessed to your account for your July, August, September and October statementsYou'll see these credits, totaling $135.81, on your next billing statementWe've requested a refund check in that amount to be mailed to your billing addressYou should receive this check in to business days We've also sent a request to the credit bureaus asking that they remove the record of late payments from your accountPlease note that the credit bureaus may take up to days to update their records accordingly You're a valued guest and we hope you'll continue to choose Target for your shopping needs Sincerely, Stephanie [redacted] Target Corporate Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Our business hours are: Mon- Thu, 7am - 9pm; Fri, 7am - 5pm; Sat, 7am- 3:30pm; Sun, 10am-8:30pm; Central Standard TimeWe're closed on some holidays REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject 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.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 5, 2015/06/18) */ June 18, [redacted] Stockton CA Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for your frustration with a late fee being assessed to your accountOur records indicate a phone payment was made on your account on June 7th at 2:a.mPlease note that prior to making your payment our automated system advises you that payments made after 11:p.mCentral Standard Time will be processed the next day Because we have made courtesy late fee adjustments on your account in the past, and because the fees were assessed per the terms of the Credit Card Agreement, we respectfully decline to credit another late fee on your account at this timeAlthough we know this isn't the outcome you had wanted, we hope you can understand that we are obligated to be consistent in our policies in fairness to all our accountholders In addition, we're sorry to hear you had issues with a product purchased from one of our storesFor questions about store issues, please contact our Guest Relations department at (800) [redacted] You're a valued guest and we're sorry you chose to close your account over this issue Thank you for the opportunity to respond Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week The REDcardTM credit cards are issued by TD Bank USA, N.AThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseVisa is a registered trademark of Visa USA, IncREDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't recall ever signing anything that states I must pay by midnight on their time zone or my payment will be lateThere is absolutely nothing on the bill that states thisI want to see a copy of the agreement that I signed stating this This is NOT about the money! This IS about the principle! I am willing to take this to the next level should I not see an agreement signed by me regarding payments having to be paid before midnight on their time zone Final Business Response / [redacted] (4000, 9, 2015/07/01) */ June 29, [redacted] Stockton CA 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 frustrationPer the Credit Card Agreement, you agree to make at least a minimum payment by your due dateWe consider payments received after p.mCentral Standard Time (CST) as being past the due dateAs stated in our previous response, prior to making your phone payment the automated system advises you that payments made after the cutoff time will be processed the next dayPlease keep in mind this same policy applies if you are making a payment in one of our storesYou are able to make payments in our stores until store closingAfter the store closes a store payment can be made the next day Although we understand your frustration, we stand by our previous responseWe see that late fees have already been credited to your account in the past months as a courtesyFor that reason we are not able to waive any additional fees on your account at this time Thank you for the opportunity to respond Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week The REDcardTM credit cards are issued by TD Bank USA, N.AThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseVisa is a registered trademark of Visa USA, IncREDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards

Initial Business Response / [redacted] (1000, 7, 2016/03/04) */ March 4, [redacted] Trenton OH 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 concernsWe're sorry for your frustration regarding any negative credit reporting related to this Target Credit CardTM account In reviewing your account, we found that on September 9, we had removed inaccurate bankruptcy reporting and sent an update to the credit bureausTarget has since been reporting the account in good standingWe are also sending another update to the bureaus to ensure the reporting of your account is accurate You may contact the credit bureaus directly at the following addresses or phone numbers to open a dispute with them regarding continued inaccurate reporting: Equifax Experian Trans Union PO Box PO Box PO Box Atlanta, GA 30374-Allen, TX Chester, PA (800) 685-(888) 397-(800) 888- Please know that you are a valued Target guest and we thank you for the opportunity to respond Sincerely, Tina [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, 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.AThe REDcard debit card is issued by Target CorporationMasterCard is a registered trademark of MasterCard International, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (3000, 9, 2016/03/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) The credit bureaus are all still stating that it was included in bankruptcy and reporting derogatoryI tried disputing the information through them and they confirmed the wrong informationTarget has to fix this as obviously they did not correct this correctly the first time or I would not be complaining Final Business Response / [redacted] (4000, 12, 2016/03/11) */ March 11, [redacted] Trenton OH 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 regarding any negative credit reporting related to this Target Credit CardTM account We sent a request to the credit bureaus on March 4, to ensure the reporting of your account is reporting accurately as an account in good standing and the bankruptcy is removed Please note the credit bureaus can take up to days to update your filesYou 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 PO Box PO Box Atlanta, GA 30374-Allen, TX Chester, PA (800) 685-(888) 397-(800) 888- 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 hours a day, 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.AThe REDcard debit card is issued by Target CorporationThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 5, 2016/02/09) */ February 9, [redacted] Modesto CA 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 frustrationPlease remember that as outlined in the terms of your Credit Card Agreement, a late fee may be assessed if we do not receive your full minimum due payment by the monthly due dateLate fees were added to your September, October, November, and December 2015, and January statements because we did not receive your minimum payment in full by your due dateWe see that one of our phone representatives spoke with you on January 15, During that call you stated you would make a $payment at the store on January 16th, however, we have not received any payments towards your balance Our records do not show that your card or any of your statements were returned to us by the USPSWe sent them to the billing address you provided, which is the same address you provided in your correspondence to the Revdex.comPlease contact us at (888) 755-to get a replacement card or copies of your statements As a courtesy we've removed all fees from the months outlined aboveYou'll see credits totaling $on your next billing statementWe've also sent a request to the credit bureaus asking they remove the record of late payments from your account for these same monthsPlease note the credit bureaus may take up to days to update their records accordingly Your account still has a balance owed of $from the charge you made on August 1, Please make a payment in that amount as soon as possible to avoid any further fees from being assessed Sincerely, Stephanie [redacted] Target Corporate Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Our business hours are: Mon- Thu, 7am - 9pm; Fri, 7am - 5pm; Sat, 7am- 3:30pm; Sun, 10am-8:30pm; Central Standard TimeWe're closed on some holidays REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject 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.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 5, 2015/12/17) */ December 17, [redacted] Lomita CA Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for the frustration and inconvenience you experienced as a result of late fees being assessed to your Target Credit CardTM account We're also sorry for any delays in receiving your REDcardTM and billing statementsThese items were mailed to the address listed abovePlease remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every month to avoid a late feeYou can view your account online, or call us anytime if you have questions about your current minimum due payment As a courtesy we've credited each of the late fees assessed to your account, totaling $You'll see these credit adjustments on your next statementWe've also adjusted any past due history reporting to the national credit bureausPlease note that the credit bureaus can take up to days to update your files We've processed a new REDcardYou should receive this within to business days Please know that you are a valued Target guest and we thank you for the opportunity to respond Sincerely, Darren [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject 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.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

[redacted] April 15, [redacted] **Morrilton AR 72110Your Letter to the Revdex.com Dear [redacted] :We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We’re sorry for the frustration you’ve experienced regarding late fees being assessed to your Target Credit CardTM accountPlease remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every month you carry a balance in order to prevent a late feeYou can view your account online, or call us anytime if you have questions about your current minimum due payment.As a courtesy, we’ve credited all late fees and finance charges assessed to the account, totaling $These adjustments have created a zero balance on your account and you’ll see the credit processed on your next statementWe’ve also removed any negative credit bureau reporting that resulted from the late payment.Thank you for the opportunity to respond.Sincerely,Darren ***Target Card Servicescc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, 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.AThe REDcard debit card is issued by Target CorporationThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 5, 2016/02/17) */ February 17, [redacted] Wildomar CA 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 concernsWe're sorry to hear of any issues which may have made it difficult to make your monthly payments and for your disappointment for any late fees being assessed to your Target Credit CardTM Our records indicate that a payment of $was due on your account by February 10, We received a payment of $on February 16thBecause this payment was received after your due date, a late fee was assessed We see that we've adjusted two previous late fees on your account within the last twelve monthsBecause we have already made these recent accommodations, we respectfully decline to credit another late fee on your account at this timeAlthough 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 Please know that you are a valued Target guest and we thank you for the opportunity to respond Sincerely, Tina [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject 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.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 5, 2015/10/22) */ October 22, [redacted] Magnolia DE 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 misunderstandingWe reviewed our records and did not see the Target Gift CardTM you reference being entered as payment for these transactionsYour 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 $Target Gift Card to your mailing address on October 14thWe sent a second $Target Gift Card on October 20th You're a valued guest and we appreciate your loyalty and patronageWe 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 CardSubject 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.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 10, 2015/07/02) */ July 2, [redacted] Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for any frustration or inconvenience experienced due to previously not receiving your email alerts or paper statements A review of our records shows that email alerts have been sent on the 14th of each month to [email protected] alerts may be sent from [email protected] or [email protected] ensure that you have updated your email settings to be able to receive messages from these two domains In addition, please remember that per the Manage My REDcardTM terms and conditions, alerts do not replace your billing statementTarget does not guarantee the delivery of any alert and your alert may be delayed or prevented by factors affecting your Internet or Third Party Service ProviderAny such issues need to be resolved with the Third Party ProviderYou can check your account online, or call us any time at (888) 755-5856, to get your account balance and minimum due to avoid any additional late fees Our records also show that statements have been mailed on the 14th of each month to the billing address we have on fileNone of these statements have been returned to us by the US Postal Service as undeliverable Because the late fees have been assessed per the Terms of your Credit Card Agreement, we respectfully decline to credit any fees on your account at this timeAlthough we know this isn't the outcome you had hoped for, we hope you'll understand that we must remain consistent in our credit policies in fairness to all our accountholders Thank you for the opportunity to respond Sincerely, [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week The REDcard(r) credit cards are issued by TD Bank USA, N.AThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseVisa is a registered trademark of Visa USA, IncREDcard(r): Existing Target Credit Cards and Target(r) Visa(r) Credit Cards, and new Target Credit Cards Initial Consumer Rebuttal / [redacted] (3000, 12, 2015/07/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) Received emails during time, not from target Final Business Response / [redacted] (4000, 14, 2015/07/17) */ July 17, [redacted] Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for any continued frustration or inconvenience experienced due to previously not receiving your email alerts or paper statementsHowever, we stand by the comments provided in our response dated July 2, Because statement alerts and statements have been sent to you, and none were returned to us as undeliverable, we are unable to waive any fees on your account at this time Thank you for the opportunity to respond Sincerely, [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week The REDcardTM credit cards are issued by TD Bank USA, N.AThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseVisa is a registered trademark of Visa USA, IncREDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards

Initial Business Response / [redacted] (1000, 12, 2015/08/20) */ August 18, [redacted] Marysville WA 98270- Your Letter to the Revdex.com Dear Ms [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We apologize for your frustrationTarget is committed to providing exceptional service to all our guests, and we're sorry if that wasn't your experience In order to unlock your online account we will need you to contact us over the phonePlease call (800) [redacted] Representatives are available to answer questions regarding REDcardTM Account Management daily from 7:am to 12:am CST As a guest courtesy, the $late fee assessed on July 8, was credited to your account We value open and honest feedback and appreciate you taking the time to share your experience so we may evaluate opportunities to improve our service Thank you for the opportunity to respond Sincerely, Gene [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a week The REDcardTM credit cards are issued by TD Bank USA, N.AThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseVisa is a registered trademark of Visa USA, IncREDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards Initial Consumer Rebuttal / [redacted] (2000, 14, 2015/08/23) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thanks you for your prompt response and resolution, I will try calling the phone number you have provided in hopes of getting my account unlocked

Initial Business Response / [redacted] (1000, 7, 2015/08/31) */ August 31, [redacted] Glendale AZ 85308- 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 CardTMThank you for sharing your experience with usWe continually evaluate and use feedback to continue to support our mission of always providing an excellent experience for all our Target guests Please remember that under the terms of your Credit Card Agreement, a minimum payment amount is due each monthThis payment is due on or before the same day of the month listed on your monthly billing statements; otherwise, a late fee and interest charges may be assessed to the account On your statement dated April 4, there were new charges of $A payment of $was received on April 20, leaving a statement balance of $A minimum payment of $was due by May 1, However, the next payment we received was not until $which was made on June 5, As a result, late fees and interest charges were assessed Our records indicate you have been enrolled in our online account management system since and enrolled in online only statements since October 23, Statement alerts were sent to you via your email account [email protected] each monthThis email address was updated to [redacted] @GMAIL.COM on June 5, As a guest courtesy, we have removed the remaining late fee and interest balance of $This has created a credit balance on your account which will be sent to you in a separate mailing Your account was permanently closed at your request on July 7, but you are able to reapply in store or online at target.com/redcard if you are interested in a new card Thank you for giving us the opportunity to respond Sincerely, Gene [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a week The REDcardTM credit cards are issued by TD Bank USA, N.AThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseVisa is a registered trademark of Visa USA, IncREDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards Initial Consumer Rebuttal / [redacted] (2000, 9, 2015/08/31) */ (The consumer indicated he/she ACCEPTED the response from the business.)

April 13, [redacted] Pewaukee WI Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North DakotaWe regret the frustration you’re having with the reporting of your account as well as for the service you received over the phoneWe know you count on receiving friendly, helpful service from us and we regret if this was not the caseWe’ll keep your comments in mind as we work to ensure we’re always providing the kind of service you expect from TargetPlease know that we take all claims of fraud very seriouslyWe have mailed you an affidavit for you to fill out, sign, and returnIn order for us to process your claim, please return the affidavit to: Target Card Services [redacted] Minneapolis, MN Thank you for giving us the opportunity to respondSincerely, Tina [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a weekREDcardTM: 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.AThe REDcard debit card is issued by Target CorporationThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedPat 7,562,and 8,117, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/07/10) */ July 8, [redacted] Katy TX 77494- 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 Thank you for sharing your experience with usWe regret the frustration you've had with your account and we're sorry to hear that the service you received added to your frustration We have reviewed your account and see that on your statement dated May 10, 2015, there was a new balance of $The balance consisted of a $merchandise return made on April 13, 2015, a purchase of $made on April 14, 2015, and a $purchase on April 22, Your card was present and used for each of these transactionsCopies of the receipts are included for your reviewIf you feel these transactions were fraudulently made on your account, please contact us at (800) [redacted] Please know that under the terms of your Credit Card Agreement, a minimum payment amount is due each monthThis payment is due on or before the same day of the month otherwise; a late fee and interest charges may be assessed to an accountBecause we did not receive a payment by your June 7th due date, a $late fee and $interest charge were assessed We received your $payment on July 1, which brought your account to a zero balanceAs a guest courtesy we've credited the $late fee assessed on June 7, This created a $credit balance which was sent to you in a separate mailing At your request the account was permanently closed on June 30, We're sorry to hear that 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, [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available hours a day, days a week The REDcardTM credit cards are issued by TD Bank USA, N.AThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseVisa is a registered trademark of Visa USA, IncREDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/13) */ (The consumer indicated he/she ACCEPTED the response from the business.) They at least came to a resolutionHowever, I do not see these attached receipts, I will accept it

Initial Business Response / [redacted] (1000, 10, 2015/12/30) */ December 30, [redacted] Citrus Heights CA 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 creditPlease 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 bankPer 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 compensationYou're a valued guest and we appreciate your patronageWe'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 CardSubject 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.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (3000, 13, 2016/01/04) */ I am not accepting the response givenApologies are null and void at this pointWhat business does this and gets away with it!? Three months of havock and lock downOn 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 handThey never fixed anything! Final Business Response / [redacted] (4000, 16, 2016/01/12) */ January 12, [redacted] Citrus Heights CA 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 frustrationAs 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 CardSubject 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.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response / [redacted] (1000, 7, 2015/11/06) */ November 6, [redacted] Agency IA 52530- Your Letter to the Revdex.com Dear Mr [redacted] : We're sorry for any misunderstanding regarding the REDcardTM applicationPlease be assured it was not our intention to mislead you in any wayWe 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 reportThe account was permanently closed on November 6, 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 submittedYou will receive this in a separate mailingPlease know the credit bureaus may take up to days to update their records As an additional guest courtesy, we've credited the late fees on your account creating a $credit balanceThis will be sent to you in a separate mailing Thank you for sharing your experience with usPlease 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 MorePay Lessare registered trademarks of Target Brands, Inc REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject 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.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (2000, 9, 2015/11/09) */ (The consumer indicated he/she ACCEPTED the response from the business.) I understand mistakes are madeI accept your apology and the refund of the extra charges and feesThe most important part is my credit rating and score being returned to what it wasWith that, my love for Target will returnThank you Sincerely, [redacted]