Target Card

Initial Business Response / [redacted] (1000, 7, 2015/12/22) */ December 22, [redacted] Manchester MA 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 this account, we've found your dispute to be legitimateWe've removed all past due payment history from your account Please note that 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, 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,

Initial Business Response / [redacted] (1000, 5, 2015/11/12) */ November 12, [redacted] R [redacted] Castle Rock CO 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 sincerely sorry to hear about your daughter and the difficult time it created for your family Our records indicate that we did not receive a minimum payment in full by your due date for your December 2014, and January, March, April, May, October and November statements While we are sympathetic to your situation, we respectfully decline to change the information we report to the credit bureausIt's an accurate reflection of your payment history and for that reason we must report it accuratelyAlthough 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 Please know that we offer several other payment options for your accountYou can: Take your 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; ensure you keep your payment receipt.) Pay online by enrolling in Manage My REDcard at www.Target.com/rcam (Note: online payments must be made before 5:p.mCentral Time (CT), on your Payment Due Date.) You're a valued guest and we appreciate your patronage and loyalty 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

Initial Business Response / [redacted] (1000, 5, 2015/09/24) */ September 24, [redacted] Oxnard 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 any frustration or inconvenience you experience as a result of not receiving the payment documentation you were promised Please know that our guest service department normally doesn't process letters like the one described in your correspondenceThis is because that type of information is included in your monthly statements We received a payment from you in the amount of $on September 11, This payment has your account current and showing as paid as scheduledIf this information is not sufficient to meet your request, please contact us at (888) [redacted] to see what other options we have available for you 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,

Initial Business Response / [redacted] (1000, 11, 2016/02/16) */ February 12, [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 balanceYou 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 $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 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 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, 12, 2015/07/08) */ July 8, [redacted] M [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 $was made on your account through the REDcardTM account management websiteThis payment was returned on March 27th as unpaid by your bank due to incorrect banking information being providedOn March 30th a letter was mailed to you advising that this payment was returned We did speak with you on the phone on April 21stDuring this call your account was closed per your requestPlease 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 assessedWe also didn't receive a payment by your June 11th due date which resulted in an additional late fee and interest chargeWe did receive your $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 errorWe're also sorry that we could not fulfill your request for a statement to be sent showing only your original purchase amountWe are only able to send you copies of your original statementAlthough 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 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, 5, 2016/03/09) */ March 9, [redacted] Valentine NE 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 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 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, We've removed the negative credit bureau reporting for February that resulted from the processing error 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 CorporationMasterCard is a registered trademark of MasterCard International, IncPat 7,562,and 8,117, Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/03/09) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Thank you very much for your assistance in this matter [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.Thank you for your help in resolving this issue

Initial Business Response / [redacted] (1000, 10, 2015/10/16) */ This is an attempt to collect a debt Any information obtained will be used for this purpose October 16, [redacted] Lacey WA Your Letter to the Revdex.com Dear *** [redacted] We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for the service you received over the 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 Target We also regret your frustration with the fees that were assessed to your accountOn April 12th, a charge of $was made to your accountWe received a $payment on May 24thOn June 9th, a charge of $was made on your accountAnother charge of $billed to your account July 3rdBecause we did not receive a minimum payment by your due date of July 28th, a late fee of $was assessedAn interest charge of $was also assessed August 3rd We received a $payment on August 4thA credit of $also posted August 4thOn August 11th, we credited your $interest charge and your $late fee, which left a balance of $ On August 28th, a late fee of $was assessed as we did not receive your full minimum payment of $by your due dateAn interest charge of $was also assessed September 3rdOn September 14th, the $late fee from August 28th was creditedWe also received a $payment on September 14thAn interest charge of $was assessed October 3rdPlease 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 $on your accountThe amount of $is from previous charges that are still owed and the $amount is for interest charges assessed September and October 3rd Per your request, we permanently closed your account on September 24thWe'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 # 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,

Initial Business Response / [redacted] (1000, 10, 2015/12/30) */ December 30, [redacted] Titusville FL 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 anticipatedPlease 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, In addition we see that per your request, your account was permanently closed on October 18, 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 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, 12, 2016/01/04) */ (The consumer indicated he/she ACCEPTED the response from the business.) Finally received check

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 / [redacted] (1000, 7, 2015/08/12) */ This is an attempt to collect a debt Any information obtained will be used for this purpose August 12, [redacted] Spring Valley CA 91977- 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 your accountWe appreciate you sharing your circumstances Please remember, 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 the monthly billing statements, otherwise, a late fee and interest charges may be assessed to the account Our records indicate that payments have been missed or were received for less than the minimum due required paymentAt this time, no special payment plan is set up, however you may qualify for a special payment arrangement [redacted] has been working on our behalf to resolve the balance of your accountTo discuss a payment solution for your account please contact Alliance OneThey can be reached at (866) [redacted] We appreciate the opportunity to respond Sincerely, Gene [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 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

April 7, [redacted] Monroe LA 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 the frustration you have experienced related to your account being past due as well as for the service you received over the phoneWe know you count on receiving friendly, helpful service from us and regret that wasn’t your experienceWe’ll keep your comments in mind as we work to ensure we’re always providing the kind of service you expect from TargetTMAfter reviewing your TargetTM Visa® Credit Card account, we can see that your account was set up on a special payment plan for June through June 2019, with a payment of $due each monthAll payments were made on time June through October, however we did not receive a payment from you for November and December We received another payment of $in January but no payment was received for February During a phone conversation with you on March 8, 2016, you authorized phone payments in the amount of $to be taken out of your bank account on the 28th of each month for March through August Since we did not receive your scheduled payments for November and December as well as for February 2016, your account has fallen past dueIn order to bring the account current you will need to pay $by the due date of April 28, We also see that you have a Target Credit CardTM accountThat account is current with a payment of $due on April 28, As a reminder, please call us at ###-###-#### in August to set up the next payments for your Target Visa Credit Card account, or if you have any further questions regarding your accountPlease be sure to reference which account you are calling about to ensure we are providing you the correct account details you may need assistance withThank you for giving us the opportunity to respondSincerely, Tina [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-6:30pm; Central Standard TimeWe’re closed on some holidaysREDcardTM: 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, 2016/01/21) */ January 21, [redacted] Dows IA Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for your frustration with late fees being assessed to your accountPlease know that per the terms of your account agreement, we may assess a late fee if your full minimum due is not received by your due dateWe did not receive any payment towards your balance for the months of December or January Our records show your account was enrolled in Manage My REDcardTM on September 26, At that time, you also selected the option for online only statementsYou can check your balance and account information any time by logging on to your Manage My REDcard account As a courtesy we have waived the late fees and interest charges, totaling $You will see these credits on your next statement You're a valued guest and we hope you'll continue to use your REDcardTM and save 5% on most items you purchase at Target and Target.com Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit 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, 7, 2016/01/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you, I do really appreciate this and I promise this will not happen again

[redacted] May 3, [redacted] Arlington VA 22201Your 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 with 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 balanceYou can view your account online, or call us anytime if you have questions about your current minimum due payment.We see that a minimum payment of $was due on your account by February 25thWe did not receive any payment by your due date which resulted in a late fee being assessedA new minimum due of $was due on your account by March 25thAgain, no payment was received and another late fee was assessed as a resultWe did receive your two online payments on April 19th and 23rd which brought your account to a zero balanceBecause the late fees have been assessed per the terms of your Credit Card Agreement, we respectfully decline to credit any additional fees on your account at this time Although we know this isn’t the outcome you had wanted, we hope you’ll understand that we must remain consistent in our credit policies in fairness to all our accountholders Our records also show that per your request email statement alerts have been sent on the 29th of each month to [redacted] , notifying you that your statement is available to be viewed onlineWe’ve also been mailing paper statements each month on that same datePlease know that no changes or updates have been made to our online system that would’ve affected our ability to provide you with your billing information 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, 7, 2015/10/05) */ October 5, [redacted] Studio City 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 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 Target Please remember that as outlined in the terms of your Credit Card Agreement, a late fee may be assessed, along with negative credit bureau reporting, if we do not receive your full minimum due payment by the monthly due dateWe have reviewed your account and see that late fees were added to your October and November 2014, January and June statements because we did not receive your minimum payment in full by your due date Please keep in mind that calls to you when your account is past due are a courtesy and is not something that is done for all accountsHowever, statements were sent to you every month outlining the account information such as fees that were assessed, the next due date, and the minimum due payment While we are sympathetic to your situation, we respectfully decline to waive the late fees on your account or change the information we report to the credit bureausThis reporting is an accurate reflection of your payment history and to make changes would misrepresent the status of your accountAlthough we understand this is not the outcome you had wanted, we hope you'll understand that we must remain consistent in our credit policies in fairness to all our accountholders You're a valued guest and we appreciate your loyalty and patronageWe hope you'll continue to choose Target for your shopping needs Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit 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, 9, 2015/10/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) The representative did not address the fact that there was no previous balance on my account and that I was not made aware of the late charge by telephone call or mailShe stated that I had paid the balance late on other occasionsThat is trueThose late payments were payed before they became days lateIt is not uncommon for people to pay bills a bit lateThat does not show evidence that I was aware that there was a late charge on the bill at allThat shows that I paid d the bill without being days late in the past and paid the late chargeI was unaware of the charge which makes it impossible to pay something that I did not know aboutTarget made no effort to contact me regarding this billI was not given a chance to pay this chargeThey also claim that it would be unfair to other customers to remove this item from my accountIt is not federal law to remove items because of a mistake or miscommunicationThere is no reason why Target would be so uncooperative unless they would like to lose a very good customer by insisting that they have to leave this mark on my creditI am sure Target would like that I and millions of other customers continue to use their credit cardsI will not close this account because this would negatively affect my credit rating but I will not use it againI will not shop at target againI know I am just one small person and that Target is such a big entity but their actions are affecting me on a personal levelI have no other late charges on my credit report from the 15-accounts that are listedI am a good customer and I do not deserve to be treated like thisPlease Target, reconsiderI have done nothing wrong and do not deserve this late payment to be on my credit report Final Business Response / [redacted] (4000, 11, 2015/10/16) */ October 16, [redacted] Studio City CA Your Letter to the Revdex.com Dear [redacted] : We received your further correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for your disappointment with our previous responseAs we stated in that response, calls to you when your account is past due are a courtesy and is not something that is done for all accountsHowever, statements were sent to you every month outlining the account information such as fees that were assessed, the next due date, and the minimum due payment Late fees were added to your October and November 2014, January and June statements because we did not receive your minimum payment in full by your due dateA payment made after your due date is considered lateBecause these fees were added per the terms of your credit card agreement, and are not a result of Target error, we're not able to remove them You're a valued guest and we're sorry this has affected your relationship with Target Thank you for the opportunity to respond Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit 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, 2016/03/14) */ March 14, [redacted] Naugatuck CT 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 balanceYou 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 $As a result of these credits, you have a credit balance of $on your accountWe have processed a credit balance refund check; you should receive it in to daysWe'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, 7, 2016/03/15) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you very muchI have been refunded all fees and any negative reporting to collection bureaus have been removedI am satisfied with response

Initial Business Response / [redacted] (1000, 6, 2016/03/02) */ March 2, [redacted] Portland OR 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 when additional funds were taken out of your bank account after your Target Credit CardTM account had already been paid off in full Our records show you set up a payment arrangement with one of our phone representatives on January 14, 2016, to have $taken out of your bank account each month beginning February 15, 2016, and running through to June 15, Unfortunately, this arrangement did not get automatically cancelled when your payment in the amount of $4,was received on January 25, 2016, which paid your balance off in full As a result of our research into this matter, a refund check in the amount of $has been mailed to the address listed aboveThis amount covers the additional $payment along with the $overdraft fee you were charged by your bank Please know that you are a valued Target guest and we thank you for the opportunity to respond Sincerely, Darren [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available 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 Consumer Rebuttal / [redacted] (3000, 8, 2016/03/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) First, this is not true, I DID NOT set up the auto payments in January 2016, it was 2015...I NEVER authorized the continuation of auto paymentsYES I did receive the refund check HOWEVER I have now ALSO received another notice from Target stating on 03/13/16, they are going to withdrawn another payment please stop withdrawing money from my account that I do NOT owe you Final Business Response / [redacted] (4000, 10, 2016/03/14) */ March 14, [redacted] Portland OR Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for any additional frustration or concern caused by our last correspondence stating there are additional automatic payments scheduled to be taken out of your bank account After reviewing all of our systems and records regarding your Target Credit CardTM account, we've found there are no additional payments scheduled to be processed Please contact us at (888) [redacted] with any additional questions or concerns regarding this issue Thank you for the opportunity to respond Sincerely, Darren [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available 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, 2016/01/29) */ January 28, [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 the inconvenience and frustration you experienced when your Target Credit CardTM account was declined in the storeTo 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 cardsBecause 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 cardFor that reason your account was closedWe'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.comPlease 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 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 Consumer Rebuttal / [redacted] (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 closedI hope you understand that it is ILLEGAL for your agent to close my account on a RECORDED LINE without my permissionIf 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 / [redacted] (4000, 9, 2016/02/12) */ February 12, [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 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 cardAs explained previously over the phone, once your account was upgraded to the MasterCard, your original Target REDcard was no longer validWe'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.comPlease 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 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,

March 30, [redacted] Felton PA 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 a late fee and finance charge being assessed to your account as a result of your payment being processed latePlease be assured, payments will post to your account the same day they are received from your bankOur records show the funds were received from your bank on March 7, Please keep in mind that although your bank may debit the payment from your account on the date you requested, it could take additional processing time for them to submit it to usWe see the $late fee was waived as a courtesy on March 15, As an additional courtesy, we’ve credited the finance charge that was assessed to your account in the amount of $You’ll see these credit adjustments on your next statementThank you for the opportunity to respondSincerely, 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 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,