Target Card

Initial Business Response / [redacted] (1000, 6, 2015/11/19) */ November 19, [redacted] Riverview MI Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We apologize for your disappointment with the credit limit on your accountWe're also sorry to hear that you did not receive a response from us when you attempted to contact us via phone and emailOur records indicate that we received communication from you in October and November of this year regarding this issue and we responded accordinglyWe're sorry if there were any instances where we did not respond in a timely manner but please know it was not our intent to ignore you inquiries We understand that you would like to have your credit limit increasedHowever, at this time we are not offering instant same day credit limit increases but we do have a monthly credit limit review processTo be eligible for that process, we require updated income information on your accountIf you qualify for an increase, you will be notified by letter and you will see the increase reflected on your monthly statementPlease keep in mind that we cannot guarantee when or if you will be granted the credit limit increase If you would like to update the income associated with your account to ensure you're eligible for the monthly review, please give us a call at (888) [redacted] When prompted, indicate you would like to speak to a team member You also have the option to sign into Manage My REDcardTM at www.target.com/rcamOn this site you will be presented with a set of options on the left side of the screenPlease select 'Update Financial Information' to move forward with the credit limit increase review processPlease note that you do have to enroll in Manage My REDcard for this option to be available to youThis ensures the changes are being made to the correct account 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, 2015/11/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) Dear Darren ***Target FinancialI am so sadden to learn after many and many of attempts to have a higher credit limit on my target red card and no limit increase, And not even a phone call from a live person that works for cooperate My income was updated back in August of and in the short time I have had the account in question I have made all payments on time, and today 11/20/I even have paid off the entire balance in full of $and have told myself that My Target red card will be put in the back of my Wallette and not used until I see a more generous credit limit, the current limit on the account is a limit for a teenager in my opinion not a fifty year old man with a good credit bureau, and a good fico credit score, and very very established credit accounts on my credit bureaus, and very low dtiAnd good incomeI could see this $limit for a teenager or someone that is trying to establish or reestablish creditPlease keep in mind Darren if you continue to drive good credit experienced people like me with good established credit, and good fico scores and good income away, that people will loose faith in target and its credit programAlso keep in mind Darren that if you don't lend people money that are worthy of it, than Target don't make money, I will be overnighting a very detailed letter and copy of my credit reports to the ceo of this Target cooperation for review on this matter DarrenAnd trust me when this man sees my excellent credit and very established credit on my bureaus, and the excellent way I handled the red card I believe he will not agree with your position, at least I hope notDaren you are turning people with excellent credit and good income awayI don't need Target,, Target needs me

Initial Business Response / [redacted] (1000, 5, 2015/12/01) */ December 1, [redacted] Tucson 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 We're sorry for your frustration with the email alerts for your Manage My REDcardTM accountWe have reviewed our records and see the information shown on your Manage My REDcard account is accurate Please note that your due date is always the 10th of the monthHowever, if you make your payment early, the alert is still automatically sent; but will state nothing is due when you log in to the online websiteYou can always click on "view statement" to find out your minimum payment due and your due dateYou can also contact us anytime at (888) [redacted] to find out your payment due date or your minimum payment amount If you would like to change your statement delivery method back to paper you can do so at any time on Manage My REDcardTo change the statement delivery method, click on "change statement delivery" and then click on "paper and online view"For more help with your statement delivery method, give us a call at (800) [redacted] We're sorry but we respectfully decline to change the information we report to the credit bureaus because it's an accurate reflection of your payment historyAlthough 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 We're sorry if this issue has affected your relationship with Target 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 Vsa(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, 2015/12/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is exactly the response the person gave me on the account mail correspondencesIt's very disappointing that you neglect to care that your system works properlyLike I said in the complaint, and to the other person, even when I haven't made an early payment, the payment and due date do NOT show up on my bill until the day it is dueIf an alert is sent out telling me there is a payment due, the account should reflect that, THAT IS THE WHOLE POINT OF THE ALERTIf you aren't going to make your system function properly and work like any other company's system then you should put a disclaimer in the account agreementThis is an absolute joke that I would just have to assume the date and amountIf my payment amount due says $and my due date shows NO date, I should not have to go into a statement to verify thisFix your system and stop screwing people overI have always liked target and even worked at target when I was youngerThis is an absolute joke and I will NEVER shop at target again or use the redcard again and the account will be closed when it's paid offDespicable! Final Business Response / [redacted] (4000, 11, 2015/12/15) */ December 14, [redacted] Tucson AZ Your Letter to the Revdex.com Dear [redacted] : We received your additional correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for your continued frustration with the email alerts for your Manage My REDcardTM accountHowever, we stand by our previous responseWe have reviewed our records and see the information shown on your Manage My REDcard account is accurate Please note that your due date is always the 10th of the monthAn alert is sent to you on the 14th of the month letting you know a new statement is availableHowever, if you make your payment before logging on to Manage My REDcard, the website will show that nothing is due for that cycle because a payment was already madeYou can always click on "view statement" to find out your minimum payment due and your due dateYou can also contact us anytime at (888) [redacted] to find out your payment due date or your minimum payment amount In addition to sending you the statement alerts, we also sent an alert on July 14th letting you know your account was past dueYou also elected to receive an alert days prior to your due date and these have been sent successfully every monthTherefore, we respectfully decline to change the information we report to the credit bureaus because it's an accurate reflection of your payment historyAlthough 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 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,

March 21, [redacted] Jacksonville 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 to hear you never received your new cardOn March 9, 2016, we changed your account number and sent you a new card per your request Our records show your January 22, purchase of $was returned unpaid by your bank due to insufficient fundsA $returned transaction fee was assessed as a resultOn January 30, 2013, the $was resubmitted and it was paid on January 31, We see you called on January 31, 2013, inquiring about this returned transactionWe sent a letter to your address on February 7, 2013, notifying you of the $returned transaction feeIn addition, on August 16, 2015, your $purchase was returned unpaid by your bank due to insufficient fundsWe resubmitted this amount to your bank on August 26, 2015, and it was paidWe sent you a letter on September 3, 2015, notifying you of the $returned transaction fee that was assessedYou paid both returned payment fees, totaling $55.00, on March 9, Please keep in mind within our account agreement we outline that electronic fund transfers may occur several business days after a transaction has occurred and after the date shown on your transaction receipts, and that cardholders agree to ensure funds are available to cover all transactionsIf funds aren't immediately available to cover your transactions, a returned transaction fee may be assessedWe would also like you to know that we do not report Target Debit CardTM transactions and payment history to the national credit bureaus so this would not have impacted your credit reporting in any way Thank you for the opportunity to respond, and we hope to see you shopping at Target again soon Sincerely, Jessica [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available 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, IncMasterCard is a registered trademark of MasterCard International IncorporatedPat 7,562,and 8,117,

March 22, [redacted] Parma OH Your Letter to the Revdex.com Dear [redacted] : We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for any confusion with your initial purchase of $on June 27, We offer Target guests an opportunity to save 5% every day on qualifying purchases when using a REDcardTMWhen the account is first opened the initial purchase must be placed on the card As a courtesy, we've credited all of the late payment fees and interest charges that were assessed, totaling $As of today, these adjustments have created a zero balance on your account and you'll see the credits on your next statement We'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 accordingly Thank you for the opportunity to respond Sincerely, Jessica [redacted] Target Card Services cc: Revdex.com of Minnesota and North Dakota, Case # [redacted] Target Card Services representatives are available 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, 7, 2016/02/10) */ February 10, 2016 [redacted] Powder Springs GA 30127-4923 Your Customer Review with the RevDex.com Dear Ms. [redacted] : We received your correspondence forwarded to us by the Better Business... Bureau of Minnesota and North Dakota. We're sorry for your frustration with your Target Credit CardTM and with the service you received when you spoke to our phone representatives. Thank you for sharing your experience with us. We continually evaluate and use feedback to support our mission of always providing an excellent experience for all of our Target guests. Please remember that under the terms of your Credit Card Agreement, a minimum payment amount is due each month. This payment is due on or before the same day of the month listed on your monthly billing statements; otherwise, a late fee and interest charges may be assessed to the account. You have been enrolled in our online REDcardTM Account Management system since August 12, 2011. At that time you elected to receive email alerts when new statements become available. Paper statements were suspended at that time when you signed up for the alerts. Our records indicate email alerts did not reach you starting in September 2015, however we did send paper statements when we received notice that the emails were returned to us. A minimum payment of $25.00 was due on your account by September 25, 2015. No payment was received and a late fee and interest charge were assessed. No other payments were made on your account until we received a payment of $174.42 on December 8, 2015, paying off your purchases from August 2015. As a guest courtesy, we have removed the remaining late fee and interest charge balance of $124.78. As an additional guest courtesy, we also removed the past due record from your account and requested that the national credit bureaus update their records accordingly. Please note that the credit bureaus can take up to 60 days to update their records. We appreciate you giving us the opportunity to respond. Sincerely, Gene [redacted] Target Card Services cc: RevDex.com of Minnesota and North Dakota Case # [redacted] Target Card Services representatives are available 24 hours a day, 7 days a week. REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit Card. Subject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants). The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. Target is a registered trademark of Target Brands, Inc., used under license. MasterCard is a registered trademark of MasterCard International Incorporated. VISA is a registered trademark of VISA USA, Inc. Pat 7,562,048 and 8,117,118. Initial Consumer Rebuttal / [redacted] (2000, 9, 2016/02/10) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 7, 2015/09/03) */ September 3, [redacted] Barnhart MO Your Letter to the Revdex.com Dear Mr***: We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for your frustration related to the unauthorized use of your credit cardWe appreciate your feedback, as we're always looking to make adjustments within our policies that lead to favorable changes for our guests On June 3, 2015, we received contact from you stating unauthorized charges were made to your accountWe renumber your account and sent you an affidavit to fill out and return Our investigation found that [redacted] was added to your account through our online account management system which is password protectedThe only way to gain access is to have the correct username and password associated with the accountWe accepted your fraud claim and sent you a letter confirming $2,was credited to your accountThe account was closed on June 3, Thank you for the opportunity to respondYou are a valued Target guest, and we appreciate your patronage and loyalty Sincerely, Gene [redacted] Target Card Services 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, 2015/09/08) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accepted Targets responseThey have reimbursed me for most of the fraudulent charges on my account

I am rejecting this response because: The credit card was never activated, and as per your letter, was returned to you after you sent it to the wrong address. Contrary to your letter, I was NEVER given an opportunity review the information the Target representative manually... entered into her system. This is a disgraceful attempt by Target to collect revenue. I will be filling a small claims lawsuit and have referred this case to the Consumer Financial Protection Bureau. This is truly not the response I expected from Target.

Initial Business Response / [redacted] (1000, 5, 2016/01/07) */ January 7, [redacted] Woburn 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're sorry for your frustrationOur records show on September 20, 2014, you enrolled your account in automatic payments through Manage My REDcardTMPlease keep in mind that even though you made a payment of $on October 1st, an automatic payment was still made on your account on October 16, because you never cancelled your automatic payments Automatic payments are processed each month on your due dateAuto payments will still be processed even if you make an additional one-time payment before your due dateThis information was disclosed when you enrolled in automatic paymentsBecause your $payment from October 16th was returned due to your bank account being closed, we cancelled the automatic payment feature on your account to prevent future returned payments Because the $returned payment fee was not due to any Target error, we're not able to credit the returned payment fee to your accountAlthough we know this isn't the outcome you had wanted, we hope you understand that we must be consistent in our credit policies in fairness to all our accountholders You're a valued guest and we appreciate your 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, 7, 2016/01/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thanks for looking into the issue and responding backHowever I do not agree with the resolution for the following reason I did not made the additional payment but it was a payment due amount after the target card statment was generated from my new bank account using online banking I am using several other credit cards and all of them have a auto pay set up but in the event when I make the payment myself after the credit card or store card statments are generated, then despite having set auto pay they never debit my bank again It is very disappointing from customer point of view, when a customer already made the statment due amount even well before the store would have debited the bank account, why the business is again trying to debitIt is definitely a system issue and should be rectified and should not happen when the balance is already paid why it should be debited again I am not sure what disclosure you are referring to, but this is not the way other card works and would appreciate target to relook into the matter and as a curtesy , credit me back $which was charged to me thanks in advance! regards [redacted] Final Business Response / [redacted] (4000, 9, 2016/01/20) */ January 20, [redacted] Woburn MA Your Letter to the Revdex.com Dear [redacted] : We received your additional correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota We're sorry for your continued frustrationAs we stated in our previous response, even though you made a payment of $on October 1st through online banking, an automatic payment was still made on your account on October 16, because you never cancelled your automatic payments Auto payments will still be processed even if you make an additional one-time payment before your due dateThis information was disclosed when you enrolled in automatic payments for your Target Credit CardTMWe understand if other credit card companies have a different process but please keep in mind that each company is unique in how they process their payments Because the $returned payment fee was not due to any Target error, we're not able to credit the returned payment fee to your accountAlthough we know this isn't the outcome you had wanted, we hope you understand that we must be consistent in our credit policies in fairness to all our accountholders You're a valued guest and we appreciate your 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 Business Response /* (1000, 5, 2015/10/14) */
October 14,
***
***
Salida CA
Your Letter to the Revdex.com
Dear ***:
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're also sorry for any misunderstanding that might have occurred regarding the update of your account informationWhen you contacted us in September to make a payment, the information you provided to that representative was authorized for that transaction onlyYour account still has an unpaid balance of $
Please contact us at (888) *** to update your checking account information in our system, make a payment and reopen your account
As a courtesy, we've waived the $feePlease know that you're a valued guest and we appreciate your patronage
Sincerely,
Stephanie ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (2000, 7, 2015/10/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am completely fine with paying the amount that I owe (52.03)I just wasn't okay with the $feeI appreciate you removing the feeI do not feel that fee was appropriateThank you for resolving this matter quickly

Initial Business Response /* (1000, 8, 2016/01/05) */
January 5,
***
***
Denver CO
Your Letter to the Revdex.com
Dear ***:
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 due to 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 in order to avoid late fees and interest chargesYou can view your account online or call us anytime at (800) 755-if you need to be advised of your current due amountVisit target.com/rcam if you are interested in enrolling in Manage My REDcardTM, which allows you to view your statements and make payments online at any time
Our records indicate that your account balance, on your statement dated August 26, 2015, was $with a minimum payment of $due by September 23, Because we did not receive a payment from you by your due date you were assessed a $late fee and a $interest chargeYou also made a purchase of $on September 20th on Target.comThis new purchase, along with the fees, brought your account to a new balance of $We also did not receive payments on your account for the months of October and November so additional late fees and interest charges were assessed per the terms of the account agreement
We're sorry but because the fees were not as a result of a Target error your account is not eligible for a courtesy late fee adjustment at this timeAlthough we know this isn't the outcome you had hoped for, we hope you'll understand that we must remain consistent in our credit policies in fairness to all our accountholders
Thank you for the opportunity to respond
Sincerely,
Darren ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (3000, 10, 2016/01/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Per Target's response their records show that in months they charged me $late fees on my $purchases in monthsThese are extreme usury fees in excess of even "payday loans" chargesThis is not fair business practice despite the tiny print in a credit booklet
I want this excessive amount returned to meThese late fee charges are in excess of any other credit card I have ever had and it is inappropriate business practice
Final Business Response /* (4000, 12, 2016/01/18) */
January 18,
***
***
Denver CO
Your Letter to the Revdex.com
Dear ***:
We received your additional correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota
We're sorry for your continued frustration with late fees being assessed to your Target Credit CardTM account
Please be assured, our policies are in compliance with all current laws and regulations, including how fees can be assessed to an accountThe fees assessed to your account are in accordance with the terms of your credit card agreement, which you agreed to as part of the application process for the account
Although we are sympathetic to your situation, we are unable to waive the fees on your accountAs stated in our response dated January 5, 2016, because the fees were not a result of a Target error your account is not eligible for a courtesy late fee adjustment at this timeWe know this isn't the outcome you had wanted but 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 ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (1000, 7, 2015/11/11) */
November 11,
*** ***
***
Huntington Park CA
Your Letter to the Revdex.com
Dear *** ***:
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 regarding your disputed transactions with Target.com
We've researched our records pertaining to the three Target.com orders you referencedOur records show the merchandise purchased as part of order number ***, in the amount of $34.24, was made using the email address ***@YAHOO.COMUPS confirmed they delivered the merchandise to *** South Gate CA, 90280, on June 19, 2015, with a tracking number of ***
Because we're showing this order as being delivered and have no records of a cancellation request, we respectfully decline to credit the amount of the purchase at this time
In reviewing our records for orders #*** in the amount of $24.31, and #*** in the amount of $23.32; we've found no confirmation these orders were deliveredAs a result of our findings we've credited these transactions to your account
After these credit adjustments, your account balance is now $Please contact us at (800)*** to make arrangements to make a payment on your account
Thank you for the opportunity to respond
Sincerely,
Darren ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (3000, 9, 2015/11/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not agree with the findings I did not receive any items I am not paying for an item I did not received and explained that to muiltiple represenatives over the phone please open up a cliam with the carrier this is unacceptable and time consuming it is very unfortunate that a Revdex.com case has to be opened to resolve this I look at target in a new way
Final Business Response /* (4000, 12, 2015/11/30) */
November 30,
*** ***
***
Huntington Park CA
Your Letter to the Revdex.com
Dear *** ***:
We received your correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota
We're sorry for any continued frustration or inconvenience you experienced regarding your disputed transactions with Target.com
In further reviewing this account, we've found your dispute of all the transactions taking place on June 17th to be legitimateHowever, our records indicate that on June 23, we received notice from your bank that the transactions in question, totaling $81.87, was disputed by youAs a result your bank processed a credit for this amount back to your checking account
As part of your dispute with Target, we also issued a credit to your checking account on November 4, 2015, in the amount of $37.63, as well as the remaining $on November This means that the total purchase amount for this transaction has already been credited to your bank account twice, once by your bank and once by usIf you review your bank statements you will see that the transaction was credited back to your checking account twice
Because we already credited the disputed amount to your bank account, the balance on your debit card still shows as $Please contact us at (800)*** to set up a payment for this account balance
Thank you for the opportunity to respond
Sincerely,
Darren ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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

Hello ***,Thanks for contacting Target on behalf of our guest *** ***.Can you forward this complaint to the REDcard credit team for further assistanceWe don't have access to the guests credit account and would not be able to assist with this credit complaint. As always, we
appreciate the assistance you provide us with our guestsIf you have further questions, feel free to contact Target at ###-###-#### and reference case number ***.Sincerely,TerryThe Target Teamwww.target.com

Initial Business Response /* (1000, 7, 2015/09/30) */
September 29,
*** ***
***
Seattle WA
Your Letter to the Revdex.com
Dear Ms***:
We received your correspondence forwarded to us by the Revdex.com of
Minnesota and North Dakota
We're sorry for your frustration related to the unauthorized use of your Target Credit CardTMWe appreciate your feedback, as we're always looking to make adjustments within our policies that lead to favorable changes for our guests
We're also sorry that you didn't receive the service you expected regarding your disputeOur disputes department reviewed your claim and the dispute was resolved in your favorThey issued a credit to your account for the disputed chargesWe removed the $in late fees and interest that were assessed to your accountYour account now has a zero balance
In addition, we removed the past due payment record from your account and sent a request to the national credit bureaus to update your report accordinglyPlease keep in mind that it may take the bureaus up to days to update their recordsAt this time your account is still openIf you would like a new card, or if you wish to close your account, please give us a call at (888) ***
Thank you for the opportunity to respondYou are a valued Target guest, and we appreciate your patronage and loyalty
Sincerely,
Gene ***
Target Card Services
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 /* (1000, 12, 2015/09/30) */
September 29,
***
***
Ponte Vedra Beach FL 32082-
Your Letter to the Revdex.com
Dear Mr***
We received your correspondence forwarded to us by the Revdex.com of
Minnesota and North Dakota
Thank you for sharing your experience with usWe regret any difficulties you encountered when trying to make a payment through our REDcardTM Account Management system
Please remember, under the terms of your Credit Card Agreement, a minimum payment amount is due each month you carry a balanceThis payment is due on or before the same day of the month otherwise; a late fee and interest charges may be assessed to the account
We offer several ways to make payments, in addition to paying online through Manage My REDcard, (Note: online payments must be made by 5:p.mCentral Standard Time (CST), on your payment due date.) you may also:
Take your statement or your REDcard 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 datePlease be sure to keep your payment receipt.)
Make a phone payment using our automated system by calling (888) ***(Note: payments made after 11:p.mCST will post the following day.)
As a guest courtesy, we have credited the $late fee that was assessed to your account on September 7,
Thank you for the opportunity to respondYou are a valued guest and we appreciate your patronage
Sincerely,
Gene ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case # ***
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 /* (2000, 14, 2015/09/30) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Account credited appropriately close the case

Initial Business Response /* (1000, 7, 2015/08/31) */
August 31,
***
***
Fort Worth TX
Your Letter to the Revdex.com
Dear ***:
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 as a result of the misunderstanding that occurred at the store regarding your application for a Target Credit CardTM, as well as for any confusion when the transaction was refunded in the form of a gift card rather than as a return credit to your account
We're also 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
As a courtesy we've removed the late fees and finance charges which had been assessed to the account, totaling $You'll see these credit adjustments on your next statementWe've also removed any past due payment history appearing on this accountHowever, because you received the refund in the form of a gift card, your account still has a remaining balance of $In order to avoid any additional late fees or potential negative credit bureau reporting, a payment is due on your account by September 6,
In the event you have not redeemed the gift card you received, we may be able to deactivate it which will then allow us to process the refund back to your credit card accountPlease call us at (612) *** regarding this procedure
Please know that you are a valued Target guest and we thank you for the opportunity to respond
Sincerely,
Darren ***
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
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 /* (2000, 9, 2015/09/02) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I do accept this responseI am however wondering if this will in fact clear the issue off of my credit history as well? Thank you so much to the Revdex.com of Minnesota and North Dakota for helping resolve the issue with punctuality and professionalismI appreciate everything you did for this case

Initial Business Response /* (1000, 5, 2015/11/09) */
November 9,
***
***
Decatur IL
Your Letter to the Revdex.com
Dear ***:
We received your correspondence forwarded to us by the Revdex.com of Minnesota
and North Dakota
We're sorry for your frustration with your accountPlease 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 dateBecause a balance was carried over from your May statement, interest charges were added to your June bill per the terms of your credit card agreement
A late fee of $was also assessed to your account because we received your $payment after your June 5th due dateAs a courtesy, we've credited the $late fee and the $interest charge that were assessed on your June statementYou'll receive a refund check in the amount of $in to business days
You're a valued guest and we're sorry you chose to close your accountWe hope you'll still consider Target for your shopping needs
Sincerely,
Stephanie ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (1000, 5, 2015/09/15) */
September 15,
***
***
Washington Court House OH
Your Letter to the Revdex.com
Dear ***:
We received your correspondence forwarded to us by the RevDex.com of Minnesota and North Dakota
We're sorry for your frustration with returned payments on your accountOur records indicate you contacted us and spoke with a representative on September 14th to update your bank informationHowever, for security reasons, we are not able to view your full bank account information in Manage My REDcardTM to verify if the routing number you entered is correctIf you would like to make another payment via the online website, please re-enter your routing and checking account numbers
As a courtesy we've waived the $returned payment fees that were assessed to your account on July 15th and August 18thYou'll see these credits on your next billing statementWe also credited the $return payment fee from July 22ndThat credit posted to your account on July 27th
Please also keep in mind that we offer other payment optionsYou can make a phone payment, take your statement or REDcardTM to any Target store and make a payment at Guest Services, or mail in your payment
You're a valued guest and we appreciate your patronage
Sincerely,
Stephanie ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (1000, 7, 2016/02/19) */
February 19,
*** ***
***
Albuquerque NM
Your Letter to the Revdex.com
Dear *** ***:
We received your correspondence forwarded to us by the Revdex.com of
Minnesota and North Dakota
We're sorry for the frustration you have experienced with your Target Debit CardTM
Our records indicate your December 24, purchase of $was returned unpaid by your bank due to insufficient fundsWithin our account agreement we outline that electronic fund transfers may occur several business days after a transaction has occurred and after the date shown on your transaction receiptsPer the agreement the cardholder agrees to ensure funds are available to cover all transactionsIn addition, if we don't receive payment for the initial authorized transaction, we may continue to collect on the payment up to two timesPlease keep in mind, if funds aren't immediately available to cover your transactions, a returned transaction fee may be assessedAs a guest courtesy, the $return check fee assessed by Target for the original returned payment was waived
We presented your $purchase to your bank two more times and each time it was returned unpaid due to insufficient fundsBecause this is not a Target error, we respectfully decline to compensate you for your bank fees
At this time the balance due for the purchase is $Please call (800) 635-to make a payment or you can mail it to:
Target Corporation Recovery Services
***
Tampa FL 33630-
Thank you for the opportunity to respond
Sincerely,
Gene ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota, Case #***
The Bullseye Design, Target and Expect MorePay Lessare registered trademarks of Target Brands, Inc
REDcardTM: Target Debit CardTM, Target Credit CardTM, TargetTM MasterCard(r) and TargetTM Visa(r) Credit CardSubject to application approval (Target MasterCard and Target Visa Credit Card not available to new applicants)The REDcard credit cards (Target Credit Card, Target MasterCard and Target Visa Credit Card) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationTarget is a registered trademark of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedVISA is a registered trademark of VISA USA, IncPat 7,562,and 8,117,

Initial Business Response /* (1000, 5, 2015/11/12) */
November 12,
*** ***
Freehold NJ
Your Letter to the Revdex.com
Dear ***:
We received your correspondence forwarded to us by the Revdex.com of
Minnesota and North Dakota
We're sorry for your frustration with fees being assessed to your accountPer your request, we ceased collections communications on your account on November 4, 2015, which prevents future collections communications
As a courtesy we've waived the fees that were assessed to your account on your June, July, August, September, and October statementsA credit for these fees, in the amount of $168.44, will be added to your accountThis has resulted in a credit balance of $on your account which will be mailed to you within to business days
We've also sent a request to the credit bureaus asking that they remove the record of late payments from your account from the previously referenced monthsPlease note that the credit bureaus may take up to days to update their records accordingly
Per your request, we've permanently closed your accountYou're a valued guest and we regret you chose to close your account over this issue
Sincerely,
Stephanie ***
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,and 8,117,

Initial Business Response /* (1000, 5, 2015/09/30) */
September 30,
***
***
Iowa City IA
Your Letter to the Revdex.com
Dear ***:
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 regret your frustration with how your account is reportingPlease be assured that we comply with current laws regarding consumer creditOur records indicate that your account charged off on May 25, due to no payments being made since November 25, On July 27, we did receive a payment that paid your account in fullPer your request, we sent an update to the national credit bureaus on September 28th, verifying that your account is showing as a paid, charged off accountWe also verified that all dates, the balance, and payments are reporting accurately
Although your account was paid in full, it was not paid until after your account charged offFor that reason we are required to report the account as having been charged off and then paid off
Thank you for the opportunity to respond
Sincerely,
Stephanie ***
Target Card Services
cc: Revdex.com of Minnesota and North Dakota
Case # ***
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 /* (2000, 7, 2015/10/02) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Updating my files to show as "Paid Charge off" is exactly what I wanted from the startI'm accepting this response for the moment, as I will not know if the update on my credit reports was completed until at least days from the 28th of SeptIf there is still an issue, I will reopen the case at that time