Target Card

Initial Business Response / [redacted] (1000, 5, 2016/01/27) */ January 27, [redacted] Highland MD 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 in not being able to take advantage of the 5% discount when using your Target cardOur store terminals are set up for chip and pin or magnetic stripe transactions onlyStore team members are not able to key in account numbers to process a payment for a transactionThey also do not have the capability to look up an accountWe're sorry but we are not able to offer the 5% discount towards purchases made on a third party card 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 patronage and hope you'll continue to consider Target for your shopping needs Thank you for the opportunity to respond Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] 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, 2015/11/04) */ November 4, [redacted] Opelika AL Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for your frustration with your Target Debit CardTM accountAlthough we do understand your frustration, please know that per the Target Debit Card terms and conditions, you agree that any electronic fund transfers (EFTs) may occur several days after your transaction dateIn addition, we do charge a fee and resubmit the transaction when there are not enough funds to cover your purchase amount On October 21st we sent you a letter informing you your October 15th and 16th transactions had been returned by your bankBecause the returned payment fees were not a result of a Target error, we are unable to issue any credits to your account or reopen your account to new chargesAlthough we know this isn't the outcome you had wanted, we hope you'll understand that we must remain consistent in our policies in fairness to all our cardholders Please also know that at this time there is an unpaid balance owed of $on your accountPlease contact us at (888) [redacted] to make payment towards that balance Thank you for the opportunity to respond Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit 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, 2015/11/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) I understand that I have to pay returned check fees but not being able to open my card back up is ridiculousMy bank account was closed and it was an honest mistakeDue to the tardiness of Target's letter informing me of the issue, I was not able to correct my banking information quickly and resulted in too many transactionsWaiting a year to be able to open my account back up is not justifiable as this could have been avoidedNot to mention that I called and paid the account in full as soon as I received communication from Target informing me of the issue Final Business Response / [redacted] (4000, 9, 2015/11/11) */ November 11, [redacted] Opelika AL 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 frustrationWhile we are sympathetic to your situation, because the returned payments on your account were not a result of any Target error; we are unable to reopen your Target Debit CardTMAlthough we know this is not the outcome you had wanted, we hope you'll understand that we must remain consistent in our policies in fairness to all our accountholders If you are still interested in a Target REDcardTM, please consider applying for a Target Credit CardTMYou can apply in person right at the Target checkout laneYou can also apply online or download a macredit application form at www.target.com/redcards We also offer an American Express Prepaid REDcard which allows you to still receive the 5% REDcard rewardsWe have more information about this product at www.target.com/prepaidREDcardIf you have further questions about either product, you may also contact us at (888) [redacted] You're a valued guest and we appreciate your patronageWe hope to see you at Target again soon Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit 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,

I am rejecting this response because: I was already told this already, I have already updated my income numerous times over the past year and are continuously told the same thing. I would like to know when my account was reviewed for an increase? What factors are the issue as to why my limit is not being increased? As a consumer I have the RIGHT To know what needs to be done to increase credit limits and why I am being denied a credit increase. I have not received anything in the mail because my account is not being reviewed. This is a known issue with target and there are several complaints about target not increasing credit limits. I have great credit and I pay this card on time every month! And I utilize the card. this card is no help to me the consumer so I will be cancelling it.

Initial Business Response / [redacted] (1000, 10, 2015/09/17) */ September 17, [redacted] Jersey City NJ 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 research shows the unpaid balance for your March statement was $This included your $February 24th chargeWe did not receive any payments towards this balance on your April statement A $late payment fee and an interest charge of $brought your balance total for April to $On May 5th we did receive a $paymentHowever, because the minimum payment was $82.04, another $late payment fee was added along with an interest charge of $1.91, bringing your balance to $We received your $payment on May 24, For your records we've resent copies of your January through June statementsYou should receive them within seven to ten business days On February 12, 2013, we credited the $late fee that was assessed on February 2ndWhile we sympathize with your situation, we're not able to credit any more fees at this time, because the fees were assessed per the terms of your account agreementWe're sorry for any disappointment or frustration this may cause but we must remain consistent in our policies in fairness to all of our accountholdersPlease remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every month Please be assured that we comply with current laws regarding consumer creditAt this time your account has a zero balance and was permanently closed per your request on May 12, We regret any frustration you've experienced regarding our statementsOur statements do not include an itemized list of what was purchased with each transactionPlease remember that we give you an itemized receipt with each purchase at the storeAdditionally, you can call us any time within days of purchase if you need more information about your Target store transaction You're a valued guest and we're sorry this has affected your relationship with TargetWe hope you'll consider choosing Target again for your shopping needs Sincerely, Stephanie [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit 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, 9, 2015/10/14) */ October 14, [redacted] The Woodlands TX 77389- Your Letter to the Revdex.com Dear Ms.***: We're sorry for the frustration you've experienced regarding your Target Debit CardTMThank you for contacting us to share your experienceWe continually evaluate and use feedback to continue to support our mission of always providing excellent service to all of our Target guests Our records indicate that we processed your dispute on April 9, and sent you a letter to inform you that we accepted your claimWe also advised that all negative information has been removed from the Target Corporation Authorization Network and we are not reporting negative information about your accountHowever, if you are still concerned about information being reported by Certegy (800) 237-3826, or SCAN (866) 740-3276, please reach out to them directly You're a valued Target guest and we appreciate your loyalty and patronage Thanks 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 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, 11, 2015/10/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) I would like a formal response, on Target letterhead, mailed to my attention at my residence specifically stating that they have instructed SCAN and Certegy to remove the negative information that Target reported to them (as according to their collections letter dated 3/2/2015)This response claims that Target did not report the items to the check authorization services, however, in their collections letter they specifically stated that it was reportedI have no recourse unless I have a document from Target stating that 1) The information was never really reported, or 2) That Scan and Certegy have both been notified to remove the negative information This has truly been the most disappointing experience I have ever had with a retailer's response to fraudTarget had a loyal customer for decades Final Business Response / [redacted] (4000, 13, 2015/11/02) */ November 2, [redacted] The Woodlands TX 77389- Your Letter to the Revdex.com Dear Ms.***: We're sorry for the continued frustration you've experienced regarding your Target Debit CardTM As we stated in our previous response, all negative information has been removed from the Target Corporation Authorization Network and we are not reporting negative information about your accountThe reporting companies were notified about the outcome of your dispute and were instructed to update their records accordinglySince we do not have access to their reporting systems we cannot speak to what their systems are reporting at this timeFor concerns about information being reported about your check history please reach out to the companies directly, Certegy (800) 237-3826, SCAN (866) 740- 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 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, 2015/07/09) */ July 9, [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 you've experienced regarding negative reporting to the national credit bureaus Our records show that this account was sold to Midland on February 24, If you would like to know how Midland is reporting your account you may contact them at (800) 825- Please know that Target is still required to report this account to the credit bureaus as being purchased by another lenderWe are also required to report what the final balance was with Target prior to the account being soldBecause your bankruptcy was filed after the account was sold we are not able to report this account as a bankruptcy Unfortunately, because this is an accurate reflection of the status of your account, we are unable to change what we are reportingAny additional communications we've sent to the credit bureaus regarding this account have been to ensure their records are consistent with what we have on file for the activity on this account up until it was sold Although we know this isn't the outcome you had wanted, we hope you'll understand that we are obligated as a credit issuer to be accurate in how we report our accounts 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] (3000, 9, 2015/07/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) The entire account is included in bankruptcy, therein the reporting of it at Target and Midland would be included in bankruptcyThe ONLY credit profile not properly updated is Equifax and this is unacceptableI have supplied all documents, Midland updated everything correctly the first timeI have consulted with my lawyer, this IS IN CONTEMPT of the bankruptcy court discharge and I have a case if this isn't corrected properly.This is discrimination Final Business Response / [redacted] (4000, 11, 2015/07/21) */ July 21, [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 you've experienced regarding negative reporting to the national credit bureaus We stand by our response dated July 9, 2015, in that Target is still required to report this account to the credit bureaus as being purchased by another lenderWe are also required to report what the final balance was with Target prior to the account being soldBecause your bankruptcy was filed after the account was sold we are not able to report this account as a bankruptcyPlease know that our reporting is required per federal reporting guidelines Unfortunately, because this is an accurate reflection of the status of your account, we are unable to change what we are reportingAny additional communications we've sent to the credit bureaus regarding this account have been to ensure their records are consistent with what we have on file for the activity on this account up until it was sold Although we know this isn't the outcome you had wanted, we hope you'll understand that we are obligated as a credit issuer to be accurate in how we report our accounts 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, 7, 2015/12/22) */ December 22, [redacted] Sherman Oaks CA 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 regret that you didn't receive the service you expectedWe continually evaluate and use feedback to continue to support our mission of always providing an excellent Target experience Please know that we sent your concerns to the appropriate departments to review your comments and to follow up with the appropriate parties Our records indicate that all fees and charges have been correctly assessed to your account per the account agreementIn addition, your twelve month special payment plan was set up on November 23, 2015, reducing your monthly payment to $and your interest rate to 9.99%Your account is now current after we received your payment on November 29, As a guest courtesy, we've sent you a Target GiftCardTM in a separate mailingYou are a valued guest, and we appreciate you taking the time to share your experience 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 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, 2015/12/27) */ (The consumer indicated he/she ACCEPTED the response from the business.) Target has assured me that all charges are correct

Initial Business Response / [redacted] (1000, 5, 2015/09/14) */ September 14, [redacted] Philadelphia 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 your frustrationAs a courtesy we've waived the $fee showing on your account and removed your account from collectionsA paid in full letter was sent on September 10th to your billing address for your recordsOnce you activate your new card, your account will be ready for use 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,

April 6, [redacted] Antioch TN 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 misunderstanding regarding the REDcardTM applicationPlease be assured it was not our intention to mislead you in any wayYour initial purchase of $on May 17, 2015, was charged to the accountWe received a payment of $on September 4, As a courtesy, we’ve credited all of the late payment fees and interest charges totaling $285.68, which will be reflected on your next statementWe’ve also removed any negative credit bureau reporting that resulted from the late paymentsPlease note that it can take the credit bureaus up to days to update their records accordinglyAs of today, these adjustments have created a remaining balance of $on the account, due by May 8, If you’re concerned about your payment reaching us on time by mail, we offer several payment optionsTake your statement or your REDcard to your local TargetTM store and make a payment at Guest Services(Note: store payments must be made prior to close of business on your due datePlease be sure to keep your payment receipt.) Make a phone payment using our automated system by calling ###-###-####(Note: payments made after 11:p.mCT will post the following day.) You can also view your account online, or call us anytime if you have questions about your current minimum payment dueThank you for the opportunity to respondSincerely, Jessica [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, 8, 2015/12/18) */ December 18, [redacted] Lilburn GA Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for the frustration and inconvenience you experienced as a result of a payment being processed to your Target Credit CardTM account for a higher dollar amount than you intended On November 18, 2015, we issued a refund check to you in the amount of $192.00, which covered the $in payments you did not authorize as well as an additional $for the overdraft fee you were charged by your bank As discussed over the phone on December 8, 2015, we may be able to apply additional credits to your account for any other overdraft fees you received from your bankPlease fax bank documents showing the overdraft fees being assessed by your bank as a result of this overpayment issue to (480) [redacted] , attention Jay at ext*** 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 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, 2015/07/23) */ July 23, [redacted] Hilo HI Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for any frustration or inconvenience you've experienced as a result of returned transactions appearing on your debit card account Please remember that per your Target Debit Card Agreement, you agree that you will not use your card to make purchases for amounts in excess of available funds you have in your Deposit Account as determined by the financial institution holding your Deposit Account ("Depository Bank") as of the date the Depository Bank processes the electronic fund transfer (EFT) We may resubmit an EFT one or more times if the Depository Bank has not sent funds equal to the total previously requested EFT amountYour authorization will remain in effect until we have received notification from you of your termination in such time and in such manner as to afford us and the financial institution that holds your Deposit Account to act on it Because the late fees have been assessed per the terms of your Credit Card Agreement, we respectfully decline to credit any fees on your account at this timeAlthough we know this isn't the outcome you had hoped for, we hope you'll understand that we must remain consistent in our policies in fairness to all our accountholders Please call us at (800) [redacted] with any concerns regarding any outstanding payments potentially going through the resubmission process Thank you for the opportunity to respond Sincerely, Darren [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available hours a day, days a week The Bullseye Design, Target and Expect MorePay Lessare registered trademarks of Target Brands, Inc Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this response because I specifically asked to have these NSF fees stop posting to my account, thus withdrawing my consent for this to continue, and was told by the representative over the phone that it cannot be stoppedI asked for a supervisor and was told that he is a manager (which I see from other complaints is the response that anyone calling a Target number gets when they request management for additional helpEveryone we are speaking to is a supervisor) and was told that neither he or anyone else there could help me and that we were going around in circles and he would end the call, which he did promptlyHe hung up on meI have NEVER had a company, let alone a national corporation, have such a lack of empathy and refuse to extend a one time courtesy for any issue that has arisenI have never complained or asked for special treatment, but in this case the scale and impact of this policy of frequently posting amounts at random and the fees accumulated on a regular basis has made it virtually impossible for me to pay ANY bills or payments to anyoneThis practice has jeopardized not only purchases for my household, but payments for utilities and vital necessities for my family that have a negative impact on my family, especially my small children's, quality of lifeThere is absolutely no way for me to justify to my electric company, phone company, and landlord that payment arrangements made are defaulted on because Target posted a transaction from over a month ago, to my account AGAIN, and what's left isn't enough to cover the arrangementI have requested to have this stopI requested to arrange a payment date that is mutually satisfactoryThe reason why I feel that I am deserving of reimbursement is because I was told no for EVERY SINGLE OPTION I GAVE TO TRY AND RECTIFY THIS SITUATIONNothing that I suggested was sufficient and there was absolutely no compromise offered on Targets partThere wasn't an ounce of compassion or empathy about what this had done to my bank account so far, and will continue to do to my finances if left unalteredI never tried to avoid responsibilityI have been vocal in a mutually beneficial solutionTarget has completely disregarded my family's well being and will carry on regardless of the devastating impact it creates for usThis was said in not so many words by the representative I spoke to"Nothing can be done to stop this, and no one can help you." This was reiterated to me in the response to my complaintI am shocked that a corporation of your size, that does so much to show how much they care and give back to the community, would act in such a heartless and inauthentic manner towards a single family on the brink of bankruptcyTarget used to be my favorite storeThe amounts that I have spent, my entire family over the years have spent in Targets, is staggeringYou truly do not know a company until there is a difference of opinion or until an issue arisesI foolishly expected more compassion from a corporation that goes to such great lengths to generate a positive public opinion as a caring company that strives to service communities in more ways than just a retailerThe realization that at no point are there any compromises or empathy for my family's specialized situation on any level to be found within Targets Corporate Headquarters is actually quite devastatingOn a personal note, the reality of all the responses I have received as a loyal and decades long customer of Target, is surprising and very sad for me

Initial Business Response / [redacted] (1000, 7, 2015/09/30) */ September 29, [redacted] Atlanta GA 30345- Your Letter to the Revdex.com Dear Ms [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North DakotaWe're sorry for the frustration you experienced with the returned payment on your Target Credit CardTMTarget is committed to providing exceptional service to all our guests, and we're sorry if that wasn't your experience Please remember, under the terms of your Credit Card Agreement, a minimum payment amount is due each 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 account On your statement dated July 14, a minimum payment of $was due by August 11, A payment of $was received on August 2nd and returned unpaid from your bank on August 5thThe $was placed back on the balance of your account and a $returned check fee was assessedIn the following billing cycle we received a $payment on August 20, 2015, which was also returned unpaid on August 25th Please know that we did send notices advising you that your account was past dueOn August 15th an email alert was sent to [redacted] @student.gsu.eduOn August 16th a text alert was sent to the phone number of (646) [redacted] In addition, a supervisor did attempt to reach you on September 4, 2015, but received no answer As a guest courtesy, the $in returned payment fees has been credited to your accountHowever, please keep in mind that we are unable to guarantee your account would be eligible for such fee waivers in the future At this time your account remains open, if you wish to close the account you may call (888) [redacted] You are a valued Target guest, and we appreciate your patronage Sincerely, Gene [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available 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] (2000, 9, 2015/10/04) */ (The consumer indicated he/she ACCEPTED the response from the business.) the resolution I sought was receivedThank you

Initial Business Response / [redacted] (1000, 5, 2015/10/08) */ October 7, [redacted] Bay Shore NY Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for your disappointment with the service you recently received over the phoneWe know you count on receiving friendly, helpful service from us and we regret if that wasn't your experienceWe'll keep your comments in mind as we work to make sure we're always providing the kind of service you expect from Target We're also sorry for the frustration and inconvenience you experienced as a result of a returned payment fee being assessed to your accountOur records show that on August 31, 2015, we received a payment in the amount of $That payment was returned as unpaid by your banking institution on September 2, because we were unable to locate your bank account to process the funds Please remember that per your Target Credit Card Agreement, you will pay $each time any check or other payment order (including an electronic payment) is not honored by a depository institutionBecause the returned payment fee was assessed per the terms of your Credit Card Agreement, we respectfully decline to credit any additional fees on your account at this time Although we know this isn't the outcome you had wanted, we hope you'll understand that we must remain consistent in our credit policies in fairness to all our accountholders As a courtesy, we've credited the finance charge that was assessed on September 19, 2015, in the amount of $You'll see this adjustment on your next statement We appreciate your loyalty and patronage, and regret if this situation has affected your relationship with Target Sincerely, Darren [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available 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, 2015/11/19) */ November 19, [redacted] Milford 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 any frustration you've experienced due to the number of inquiries appearing on your credit report In reviewing your account, we've found the reporting to be accurateAccording to our records, we first received an account application from you on July 11, The application was declined at that time due to no social security number being providedWe received a second application on July 15, That application was declined for the same reasonWe then received a third application request on August 1, 2014, in which all the required information was provided and the application was approvedPlease note that the credit report was not pulled for the third application attempt Our records also show we received a call from you on July 31, 2015, regarding this matterAt that time we provided the information described above Because it's an accurate reflection of your payment history, we respectfully decline to change the information we've reported to the national credit bureausAlthough we understand this is not the outcome you had wanted, we hope you'll understand that we must remain consistent in our credit policies in fairness to all our accountholders Thank you for the opportunity to respond Sincerely, Darren [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available 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, 2015/11/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) Mr [redacted] I understand those applications were " incomplete " due the fact social security number was missingAlso its well understood on July a call was placed to check the status of such application in which I was able to provide you with the social security number according to your response What I don't understand how you be able to access my credit profile without my social securityAs a consequence I ended with a duplicate application Thanks for your " generosity " of not adding a 3rd application Due the lack of Cooperation I will forward al the proper documentation to my district attorney since you previously were provided with a criminal complaint You CAN NOT access my financial report without my consent on under no circumstance you should be allowed to access it without a SOCIAL SECURITY NUMBER I have kindly ask you to remove a Query due your lack of professionalism , but you are not willing to do so Will kindly appreciate if the Revdex.com looks at this as no resolved due the nature of the matter Thank you [redacted] Final Business Response / [redacted] (4000, 9, 2015/12/09) */ December 8, [redacted] Milford CT Your Letter to the Revdex.com Dear [redacted] : We received your additional correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for any continued frustration you've experienced due to the number of inquiries appearing on your credit report We're also sorry for any confusion caused by our previous response dated November 19, We have reviewed our records again and see that a social security number (SSN) was provided at the time of all applicationsHowever, as part of the application review process we received communication from the credit bureaus advising the social security number was "not issued"This information received from the credit bureaus prevented the first applications from being approvedIf you have any additional questions on why the credit bureaus provided us with such a status about your SSN, please reach out to them directlyPlease also note that information is reported to the credit bureaus based on your name and not the SSN All information we used for the credit inquiries was information you provided as part of the application processAs part of your application you authorize us to be able to check information about you with the credit bureaus and to report information to the credit bureaus We stand by our previous response in that we are not able to change our reporting because each application was an authorization for us to pull a credit reportAgain, we apologize that we cannot accommodate your request but we must remain consistent in our credit policies Thank you for the opportunity to respond Sincerely, Darren [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available 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,

April 12, [redacted] Lithonia GA 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 your frustration related to the refund of a Target GiftCardTM you purchased, as well as for the late fees assessed on your Target Credit CardTMWe also regret if you didn’t receive the service you have come to expect from Target when you spoke with our phone representativesPlease know we strive to provide excellent service to all of our guests and we are sorry to hear that was not your experienceAfter reviewing your situation we see the full refund of $was issued back to your PayPal account on March 21, If you do not see the refund in your PayPal account please contact them to file a disputeIn addition, we’re sorry if there was any miscommunication regarding a credit being applied to the balance of your REDcardTM accountPlease 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 fees were added to your January and February statements because we did not receive your minimum payment in full by your due datesAs a courtesy we’ve waived the fees that were assessed for the months stated aboveYou will see credits totaling $on your next billing statementThis has created a credit balance on your account that is being sent to you and should arrive in to business daysWe’ve also sent a request to the credit bureaus asking that they remove the record of late payments from your account for January and February Please note the national credit bureaus may take up to days to update their records accordinglyThank 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,

Initial Business Response / [redacted] (1000, 5, 2015/08/19) */ August 19, 2015 [redacted] Anaheim CA 92804 Your Letter to the RevDex.com Dear [redacted] : We received your correspondence forwarded to us by the RevDex.com of Minnesota and... North Dakota. We're sorry for any frustration or inconvenience you experienced in regards to an unauthorized transaction appearing on your Target Credit CardTM account. Please be assured, we take these matters very seriously. We've received your completed affidavit form. A provisional credit for the transaction in question, in the amount of $264.99, has been assessed to your account while we complete our investigation. You can expect a follow-up communication regarding our resolution within 30 days. Please call us at (800) [redacted] Ext. [redacted] if you have any additional questions. Thank you for the opportunity to respond. Sincerely, Darren [redacted] Target Card Services cc: RevDex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available 24 hours a day, 7 days a week. The REDcardTM credit cards are issued by TD Bank USA, N.A. The Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under license. Visa is a registered trademark of Visa USA, Inc. REDcardTM: Existing Target Credit Cards and TargetTM Visa(r) Credit Cards, and new Target Credit Cards.

Initial Business Response / [redacted] (1000, 7, 2016/03/02) */ March 2, [redacted] Hermitage TN 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 added to your accountWe're also sorry to hear about the service you experienced when you contacted us about this issuePlease know we strive to provide the best guest experience to all of our accountholders and we regret if that was not the case 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 dateHowever, we have reviewed your account and see that your statements were being returned to us by the USPS as undeliverableAs a result we have waived a total of $worth of fees on your account, bringing your balance to the original purchase amount of $ We've also sent a request to the credit bureaus asking that they remove the record of late payments from your accountPlease note the credit bureaus may take up to days to update their records accordingly Our records show that on February 24, 2016, during a phone conversation, you agreed to make a payment on the original purchase amount of $Please give us a call at [redacted] to make arrangements for paying your remaining balance You're a valued guest and we're sorry if this situation has affected your relationship with TargetWe hope to see you in our stores again in the future 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, 9, 2016/03/03) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you for responding and addressing this concernI called in today (03/03/at 2:52pm)and spoke with a Representative by the name of Breanna, she was very pleasant and helped me take care of the accountI paid the full amount of 189.33, Confirmation # [redacted] I asked the representative to mail out a receipt to me showing this account has been paid in fullI will consider this case satisfied when the letter requested during my call is receivedThank you again for all of your assistance

Initial Business Response / [redacted] (1000, 5, 2015/10/23) */ October 23, [redacted] Mesa AZ Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota At this time your account is being managed by Alliance One and your correspondence has been shared with themOne of their representatives will be contacting you regarding this issueIn the meantime, if you have questions about your account they can be reached at (866) 881- 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 Business Response / [redacted] (1000, 5, 2015/06/25) */ June 25, [redacted] Philadelphia 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 your frustration as a result of late fees being assessed to your Target Credit CardTM account, as well as for any inconvenience when trying to access your account online Our records indicate that you logged onto the online website on December 19, and updated your email information, along with requesting to receive email alerts when your statement was ready to be viewedOn January 11, there was a request submitted on your online account for a forgotten username/passwordAlso, on February 9th, we see the checking account information was updated via your online account and a promise to pay of $was created Please be advised that we have not had any issues with our guests accessing the online REDcardTM Management website, even during the period of unauthorized access that occurred to certain payment card data in DecemberIf you are continuing to have difficulties accessing your online account, please call us at (800) [redacted] ext*** In addition, a credit card is not an accepted form of payment on your REDcard account but we do accept debit cards as payment on past due accountsYou always have the option of calling us at (800) [redacted] to set up payments over the phone or to be advised of the current minimum due payment Please remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every month in order to avoid late fees and interest chargesBecause the fees were assessed per these terms we are unable to credit any fees on your account at this timeAlthough we understand this isn't the outcome you had wanted, we hope you understand that we must be consistent in our policies in fairness to all of our accountholders Thank you for the opportunity to respond Sincerely, Darren [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 Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) Every Statement by Target was lie, I made absolutely no agreement to pay excessive feesI only agreed to pay the principal amount.as for the dates they are false, I was on the phone probably times with indian technicians with no solution for monthsfinally when I had access, I could properly view all transactions.If you check www.pissedconsumer.com ,www.ripoff report.com and others you will see thousands of unsatisfied customerx

April 8, [redacted] Fairfax 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 the frustration you experienced and any misunderstanding regarding the product you were applying for while in our storePlease be assured it was not our intention to mislead you in any wayWe offer TargetTM guests an opportunity to save 5% every day on all qualifying purchases when using a debit or credit REDcardTMAt your request, we permanently closed the Target Credit CardTM account on March 24, 2016, and there is a zero balanceIn addition, we have requested the national credit bureaus delete all record of this account from their filesPlease note it can take the credit bureaus up to days to update their records accordinglyYou may verify the status of your file 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 bringing this matter to our attention and giving us the opportunity to address your concernsWe’ll use this feedback as an occasion to provide the kind of service you’ve come to expectWe’re sorry this situation has affected your relationship with TargetSincerely, 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,