Target Card

Initial Business Response /* (1000, 7, 2016/01/26) */
January 26,
*** ***
***
Malden MA
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 also regret your frustration with this situationOur records show your fraud claim was accepted and your account was credited in the amount of $2,for the fraud chargesFees totaling $were also credited back to your accountYour account now has a zero balance
We've also sent a request to the credit bureaus asking that they remove the record of late payments from your filePlease note that the credit bureaus may take up to days to update their records accordingly
Per your request, your Target Credit CardTM was permanently closed on September 5, Please know you're a valued guest and we 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, 10, 2015/07/17) */
July 17,
***
***
Cottage Grove MN
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 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 monthYou can view your account online, or call us anytime if you have questions about your current minimum due payment
Our records show that one or more of your statements were returned to us by the post officeDue to the returned mail we've adjusted a total of $in late fees and finance charges from your account balanceThese adjustments have created a zero balance your account
We've also removed any negative credit bureau reporting that resulted from the late paymentsPlease note that the credit bureaus can take up to days to update your filesYou may verify the status after that time by contacting the credit bureaus directly at the following addresses or phone numbers
Equifax Experian Trans Union
PO Box PO Box PO Box
Atlanta, GA 30374-Allen, TX Chester, PA
(800) 685-(888) 397-(800) 888-
Thank you for the opportunity to respond
Sincerely,
Darren ***
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 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 /* (1000, 7, 2016/01/27) */
January 27,
*** ***
***
Annandale VA 22003-
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 with the returned payment on your accountThank you for sharing your experience with usWe continually evaluate and use feedback to achieve our mission of always providing excellent service to all of our Target guests
As a guest courtesy, the $return check fee was credited to your accountThis created a credit balance on your accountYou may use the $credit balance for your future purchases or request a check be mailed to you by calling (800) ***
Thank you for giving us the opportunity to respond
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, 9, 2016/01/28) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 13, 2015/10/02) */
October 2,
*** ***
***
Bowling Green KY
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 as a result of your bank account being assessed overdraft fees
Before we can process a refund for the NSF fees, we will need you to provide us with a copy of your bank statements showing the fees in questionsPlease send the proper documentation to the address listed belowYou may block out any information on the bank statement not related to this matter
Target Card Services
c/o External Correspondence
Mail Stop 5C-F
***
Minneapolis, MN
Please contact us at (888) *** to update the checking account attached to your Target Debit CardTMIf you're more comfortable updating this information online, please visit target.com/rcam if you are interested in enrolling in Manage My REDcardTM, which allows you to update your information at any time
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 Business Response /* (1000, 7, 2015/12/16) */
December 16,
*** ***
***
Hicksville NY
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 regarding the negative credit bureau reporting on your accountOur records indicate that we did not receive payments on your account in August or September of
While we are sympathetic to your situation, because the missed payments were not due to a processing error on Target's part, we respectfully decline to change the information we report to the credit bureausIt'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
Please know it's always our preference to accommodate our guests; however, it's unfortunately not possible in this circumstanceWe appreciate your patronage and hope you'll continue to choose 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, 2016/02/03) */
This is an attempt to collect a debt
Any information obtained will be used for this purpose
February 3,
*** ***
***
Los Angeles 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 your frustrationOur records indicate email alerts, notifying you that your monthly statements were available and could be viewed on Manage My REDcardTM, were sent successfully to the email address ***@yahoo.com for your November and December and January statementsYour statement delivery method was changed back to paper on November 13, so you also received paper statements during those monthsPlease remember, you can continue to view your statements online at any time
Your $payment from November 9th was returned because we were unable to locate your bank account with the account information you providedAs a result we deactivated your online payment option on that same date to prevent any further returned paymentsIf you wish to make online payments going forward, please contact us at (888) ***One of our representatives will be able to assist you with this process
Please keep in mind late fees are assessed per the terms of your credit card agreement whenever we do not receive the minimum payment in full by your due date of the 13th of each monthA minimum payment of $was due by December 13thBecause we only received a payment of $on December 9th, a late fee of $was assessed on December 13thA minimum payment of $was due by January 13thAgain, we received a payment of only $on January 9th which resulted in another late fee of $In addition, interest charges are assessed, also per the terms of your credit card agreement, whenever the balance in full is not paid each month by your due dateAs a courtesy, we've waived the late fees that were assessed on your December and January statementsYou'll see credits totaling $on your next billing statement
We spoke with you on January 23rd to try to make payment arrangements but you declined at that time to commit to any paymentAt this time there is a minimum due of $on your account by February 13thThis payment is required to prevent any further late fees on your accountPlease contact us at (888) ***We'd like to work with you to find a payment arrangement that will work for youYou're a valued guest and we appreciate your patronage
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, 2015/10/30) */
October 30,
*** ***
***
Salt Lake City UT
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 this situationOn June 16th, we sent a letter to your billing address and the Revdex.com advising we had stopped collection efforts on your $balance as a courtesy
We reviewed your account with the collections department and found you owed $from a $charge from November 6, and a $feeWe've also stopped collection efforts on the $amount
On February 17, 2015, we changed your account number and sent out a new cardIf you need to change your account number again, please contact us at (888)729-Please know that we are in the process of issuing the chip and pin cards to all of our cardholdersIf you have not received yours yet you should expect to receive it in the coming months
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, 2015/10/30) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Just make sure my phone calls are not rerouted to collectionsThe

Initial Business Response /* (1000, 10, 2015/07/02) */
July 2,
***
***
Bryan 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 any frustration you've experienced regarding negative reporting about your account to the national credit bureaus
Our records indicate that your account was charged off on February 20, 2010, which was prior to the account being paid in full on July 26, Please be advised, a charged off account will continue to report to the credit bureaus for seven years from the date the account charged offFor that reason we are unable to remove or change what is being reported to the national credit bureaus at this time
We hope you'll understand that we're obligated as a credit issuer to be accurate when reporting our accountholder's payment historiesMaking changes would misrepresent the status of your account and we must remain consistent in our credit policies in fairness to all of 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
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 /* (3000, 12, 2015/07/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I understand that it is a charge off and needs to be reported that wayThat was the problemHowever, I was told by a credit advisor that it should not be reported as late every monthThat is the problem that I am having
Final Business Response /* (4000, 14, 2015/07/17) */
July 17,
***
***
Bryan 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 any continued frustration you've experienced regarding negative reporting about your account to the national credit bureaus
We stand by our decision as stated in our response dated July 2, We are correctly reporting your account as charged off, and not past due, as of February 20, We're sorry but we do not have an impact on how the credit bureaus interpret the information we send themThey might classify the charged off and past due reporting in the same way
If you would like to dispute with the credit bureaus how they are showing your account they can be reached at the following addresses and phone numbers:
Equifax Experian Trans Union
PO Box PO Box PO Box
Atlanta, GA 30374-Allen, TX Chester, PA
(800) 685-(888) 397-(800) 888-
Thank you for the opportunity to respond
Sincerely,
Darren ***
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 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

I am rejecting this response because: I've since spoken with my credit union, had rep there call Target only to be told by Tony at Target that they didn't need affidavit from my bank and that Target would expedite (it's only been months) my claimNotified by Supervisor at Target 4/ that $would be refunded to my account by 4/So claim will be settled thenThank you, Revdex.com! I should have notified you sooner

Initial Business Response /* (1000, 12, 2015/11/30) */
November 30,
*** ***
***
Commerce City CO
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 the frustration you've experienced regarding your accountOur disputes department did investigate your claims and they responded in October 2015, denying your claim that the charges you included in your affidavit were fraudulent
We regret your disappointment with the outcome of this disputeHowever, we stand by our previous responsePlease keep in mind that payments were made to the account with a debit card ending in during the timeframe that the alleged fraudulent charges were made, and your REDcardTM was present on two occasions when cash payments were made
However, we've included receipts listing the transactions, signed sales receipts, and a copy of the affidavit you filled out on September 9, If after reviewing this information you still feel that there are fraudulent charges, please fill out the new affidavit and send it back to us at the address on the affidavit and be as specific as you can about which charges you are disputingIf you would like to discuss your fraud claim with Laura our disputes representative, you may contact her directly at (800) ***
Thank you for the opportunity to respondYou are a valued guest and we appreciate your patronage
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, 7, 2016/02/15) */
February 15,
*** ***
***
Smyrna TN
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 and inconvenience you experienced regarding a returned payment reflecting on your Target Debit CardTM account, as well as for any resulting service fees being assessed
We're also sorry for the misunderstanding that occurred at the store regarding your application for a Target Debit CardTMPlease know that our application process is not meant to be misleadingPer the terms of the Target Debit Card Agreement, by using your card you authorize us to initiate an electronic fund transfer (EFT) for the full amount of your transaction from your designated account at your bankAlso, as outlined in the terms, any EFT may occur several business days after your transaction was initially made
The Target Debit Card is used as a debit card in that it is withdrawing funds from your bank accountHowever, the terms, benefits, and protections associated with the Target Debit Card may vary from those that apply to a debit card issued by your bankFor example, if you use the Target card to make a purchase that exceeds the balance in your bank account, that account may become overdrawn even if you chose not to allow overdrafts with respect to a debit card issued by your bank
Our records show your payment for merchandise purchased in the amount of $was returned from your bank as unpaid due to insufficient fundsWe've stopped collections on the $service fee, and it has been waived from your accountHowever, we are unable to adjust the remaining balance of $because you did receive this merchandise but no payment for it has been made to Target yetPlease call us at (800)*** to make payment arrangements on your remaining 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
Initial Consumer Rebuttal /* (3000, 9, 2016/02/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
None of my specific requests were addressedMr*** did admit however that the Red Card does not work the way a standard debit card works
That is the foundation of my complaintIt is deceitful if not outright fraudTarget's point of sale marketing does not allow for perusing the application's fine print and one must rely on the salesclerk to explain the productWhen I recently explained to a clerk who was asking me to use my Red Card why I would no longer do so, she was appalled and shocked that she was not promoting a debit cardIf this was presented to the prospective customer as a possible EFT transaction--just like a check--that would be an honest presentation of the productBut I suspect that many--like me-would choose to use our bank debit cards instead od the Red Card
This is not acceptable and I see no acknowledgment of any wrong-doing on Target's partCiting a "misunderstanding" puts as much blame on the customer as it does the (probably) untrained clerk.Frankly, I am surprised that a class action lawsuit has not been brought against the companyNot cool

Initial Business Response /* (1000, 6, 2016/01/08) */
January 8,
***
***
***
Temperance MI
Your Letter to the Revdex.com
Dear ***:
We received a correspondence about your account from ***, forwarded to us
by the Revdex.com of Minnesota and North Dakota
We're sorry for your frustration with your accountOur records show email alerts were successfully sent to the email address [email protected] on August 6th, September 6th, October 6th, November 6th and December 6thYou also requested to receive an alert days prior to your due date and an alert if your account was past dueWe see that all of these alerts were sent as requestedPlease remember, you still need to sign in to Manage My REDcardTM to view your statementsWe're also not able to guarantee that your e-mail provider will deliver our e-mail messages to you
On December 6th, paper statements were restarted on your accountHowever, you can still view your statements online using your Manage My REDcardTM accountYou can also call us any time at (888) *** to learn of your balance, minimum amount due and due date
Please keep in mind late fees are added to your account whenever we do not receive a minimum payment in full by your due dateFor your September statement, a minimum payment of $was due by September 2ndWe received a payment of $on September 2ndBecause your payment was less than your minimum due payment, a late fee was assessed per the terms of your Target Credit CardTM agreementOn your October statement, a minimum payment of $was due by October 2ndOn October 2nd, we received a payment of $Again, because this payment was less than the minimum due; a late fee was assessedFor your December statement we did not receive any payment
As a courtesy, on October 3rd, we credited the $late fee that was assessed on September 2nd and the $late fee that was assessed on October 2ndWe're sorry but we are unable to credit any additional fees on your account at this timeAlthough 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
We also regret if this situation has affected your relationship with TargetIf you still wish to close your account you can do so over the phone by calling us at (888) ***
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, 10, 2016/03/17) */
March 17,
*** ***
***d
***
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 confusion with your account balanceWe appreciate the way you consistently pay your bill each monthAs of January 27, 2016, your balance was $1,We received a $payment on February 12, You made a purchase of $on February 14, An interest charge of $was applied on February 27, 2016, bringing your last statement balance to $1,We received a $payment on March 4, 2016, so your current balance is $1,
Your account balance is correctKeep in mind, you can view your REDcardTM information any time online on Manage My REDcard or give us a call at (888) 755-
Please know that you are a valued Target guest and we thank you for the opportunity to respond
Sincerely,
Jessica J***
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 and TargetTM MasterCard(r)Subject to application approval (Target MasterCard not available to new applicants)The REDcard credit cards (Target Credit Card and Target MasterCard) are issued by TD Bank USA, N.AThe REDcard debit card is issued by Target CorporationThe Bullseye Design and Target are registered trademarks of Target Brands, Inc., used under licenseMasterCard is a registered trademark of MasterCard International IncorporatedPat 7,562,and 8,117,
Initial Consumer Rebuttal /* (3000, 12, 2016/03/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My limit has been for years and I've not been able to go over that amountNow all of a sudden I'm two hundred dollars over the limit how,when .I make a payment ea h month to get the account under now they are saying ok you made a payment but not on the interestI as advised this is interest from June until now,when did the company start going back to last year and adding up the interest and putting it on the bill all over again because interest was added to each bill beforeThank you for your help
Final Business Response /* (4000, 14, 2016/03/23) */
March 23,
*** ***
***d
***
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 and we appreciate you taking the time to share your concerns with us
Our records indicate that although you're making monthly payments, you also make purchases for around the same amount of your payment during the same billing cycleAs a result your balance does not decreaseKeep in mind that the higher your balance is every month, the more interest you will be assessed as a result
We're also sorry for any miscommunication about how interest charges are calculated on your accountThe interest is assessed on the average daily balance from your due date of the 24th through the cycle date of the 27thYou are assessed interest each month on your billing cycle when you don't pay your balance in fullWe will not assess you interest on purchases if you pay your entire balance by the due date each month
Please know you can always view your REDcardTM information any time online on Manage My REDcard
Thank you for the opportunity to respond
Sincerely,
Jessica J***
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 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 /* (1000, 10, 2016/03/03) */
March 3,
***
***
Williamsport PA 17701-
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 to hear you didn't receive a bill for three monthsOur records indicate we have been mailing statements to you each month and none of them were returned as undeliverable
We're also sorry for the frustration you've experienced regarding late fees being assessed to your Target Credit CardTM accountPlease remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every month in order to avoid a late feeYou can view your account online, or call us anytime if you have questions about your current minimum payment due or to make a payment
As a courtesy, we've credited all of the late payment fees and interest charges, totaling $
These adjustments have created a zero balance on your account and you'll see the credits on your next statementWe've also removed any negative credit bureau reporting that resulted from the late payments
Thank you for the opportunity to respond
Sincerely,
Jessica ***
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, 12, 2016/03/03) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I was given the credit I wantedThere for I have no other complaintThank you for your help

Initial Business Response /* (1000, 7, 2015/12/28) */
December 28,
***
***
Scottsdale AZ 85250-
Your Letter to the Revdex.com
Dear ***:
We're sorry for your frustration with your accountThank you for sharing your experience with
usWe use feedback like yours to continue to provide exceptional service to all our guests
Our records indicate you enrolled in REDcardTM Account Management on August 20, On this date you also enrolled in auto pay through the website and selected the option to have your previous month's balance paid in fullAt that time you entered your bank account information and submitted an electronic paymentOn your statement dated September 17, a minimum payment of $was due by October 14, The payment you submitted on August 20, was returned on August 25, because your bank was unable to locate the bank account with the number you enteredThis returned payment was documented on your September 17, statement and a letter was sent to you on August 26, informing you that this check was returned
The auto pay payment that was submitted on October 14th was returned for the same reason as your August 20th paymentAs of the date of this letter no changes have been made to your bank account information since you set it up on August 20, If you would like to continue to make payments online, please update your bank account information prior to submitting a new paymentPlease know phone representatives aren't able to make changes or set up automatic payments for accountholders
We're also sorry if there was any confusion with the information provided on your statementsBecause your October payment was returned after your due date of the 14th, your statement had already been printedFor that reason the returned payment was listed on your November statement
Payments are due on or before the due date listed on your statement otherwise, a late fee and interest charges may be assessed to the accountBecause payments were not posted to the account for two months, late fees were assessedWe respectfully decline to remove these late fees because they were assessed per the terms of your account agreementWe hope you'll understand we must remain consistent in our policies in fairness to all of our accountholders
We're sorry this has affected your relationship with TargetAt your request the account was closed on November 18,
Thank you for giving us the opportunity to respond
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 Consumer Rebuttal /* (3000, 9, 2016/01/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Changes have been made to my account as I canceled my account since you guys set up my auto payment incorrectlyI did NOT receive a letter informing me that my payment was not received, on the statement I did receive it showed that my payment was madeI did not know my account was not being paid as I had originally set up until I received my November statementI do not see why I am being charged a $fee for an error on your companies endThis is terrible a company as profitable as yours cannot make a $error correctas soon as I received my November statement I called in to pay my bill in full and get my auto payment information corrected, the representatives informed me that they were not able to refund the late fee even though the auto pay was incorrectly set up by your employeesI even spoke to a supervisor at the card services who said that Target did not give him the authority to reverse my fee, but he told me that you guys had the wrong address on my fileMy bill still made it to me, but this is possibly why I did not receive a letter stating that my automatic withdrawal information was incorrectI did not receive an email, phone call, or any other type of communication as I pay my bills on timeAs soon as I was aware of an issue with payment I immediately called in to make it right, I am extremely disappointed that your company is going to hold on to this when it is CLEAR I thought the bill was paid, you sent me a statement saying it was paid, and as soon as I was aware otherwise I called to correct the issue
In summary, I had no control over my account defaulting as the only communication I received showed me that my account was in good standing and my bill was paidThe supposed letter you sent out to say there was an issue with my automatic payment never was received by me as your team did not send it to the correct addressMy address is ***, Scottsdale, AZ That letter did not come to meI would like you to correct this error on the principal of good ethical business
I like shopping at Target and will be very disappointed if I will no longer be able to shop there because of unethical business practices and I will have no choice but to voice my opinion to everyone about why I do not shop at your establishment

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meTarget contacted me directly to apologize and advice me the issue had been resolved; the prepaid cards have been reactivated
after a stressful week of calling and several trips to the store.
Sincerely,
*** ***

Initial Business Response /* (1000, 5, 2015/07/10) */
July 10,
*** ***
***
***
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 you've experienced as a result of late fees being assessed to your Target Credit CardTM account, as well as for any confusion regarding communication received from Target
Our records show that your account was opened on June 2, On June 11, 2014, you requested to receive online only statements and for that reason paper statements were not sentEmail alerts, advising you that your statement was ready to be viewed, were sent to the email address you provided usAlso on June 11th you requested an alert be sent to your mobile number every month advising you that a payment is due on your account in days and an alert when your account goes past due
We see that a minimum payment was not made on your account for the months of October and NovemberFor that reason, late fees were assessed and we were required to report the account as past due to the national credit bureausWe're sorry but we do not show any records on your account of a previous agreement to waive a late fee or to adjust the credit bureau reporting
Because we properly provided you with all alerts as you requested, we respectfully decline to credit any fees on your account at this timeWe're also unable to change how this accounting is reporting to the credit bureaus because it would be a misrepresentation of your payment history
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
Please know that you are a valued Target guest and we thank you for the opportunity to respond
Sincerely,
***
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 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 /* (3000, 7, 2015/07/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am sorry I do not accept this response from a Company that LIES! When I signed up for the account I did not sign up for paperless statementsPlease show me the proofOtherwise, take the Negative off my Credit Report like the Customer Representative told me when I contacted themIt's horrible they are resorting to lying now because I cancelled my accountI am going to file a Complaint with the Attorney General, my Governor and CongressmanThis is disgusting they would do this to a year Disabled Military VeteranI am going to contact every News Station who will listenI know Fox News is very good at defending Veterans who are abused by inconsiderate companiesIt's a real shame it has to go this far for a few dollars, considering I paid the bill off in full once I received it
Final Business Response /* (4000, 9, 2015/07/23) */
July 23,
*** ***
***
***
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 you've experienced as a result of late fees being assessed to your Target Credit CardTM account
We stand by our response dated July 10, 2015, in that our records show you requested to receive online only statements on June 11, Also, as stated in our previous response, you requested an alert be sent to your mobile number every month advising you that a payment is due on your account in days and an alert when your account goes past due
We've included documentation showing when these requests were createdThis document also lists the dates in which a message was sent to your mobile number reminding you your payment was due in ten days, along with a notification message sent to your mobile number on October 29, 2014, advising your account was past due
Because we properly provided you with all alerts as you requested, we respectfully decline to credit any fees on your account at this timeWe're also unable to change how this accounting is reporting to the credit bureaus because it would be a misrepresentation of your payment history
Thank you for the opportunity to respond
Sincerely,
***
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 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 /* (1000, 7, 2015/12/07) */
December 4,
*** ***
***
Longview TX 75601-
Your Letter to the Revdex.com
Dear Ms***:
We're sorry for the frustration you've experienced regarding your accountThank 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 your account was opened on August 11, Your account charged off for non-payment on August 13, On September 17, you spoke to a representative who set up six payments which will pay off the balance of your account by March 17, During this call late fees were waived as a guest courtesyWe see that you are making the payments as agreed when you set them up over the phoneHowever, because the account already charged off as a bad debt it will continue to report as a charged off account to the credit bureausAfter the account is paid off it will report as charged off but having a zero balanceThe account is already reporting as closed
We hope you'll understand that we're obligated as a credit issuer to be accurate when reporting our accountholder's payment historyFor this reason, we respectfully decline to change the information we've reported to the credit bureaus about your accountMaking changes would misrepresent the status of your account and we must remain consistent in our credit policies in fairness to all of our accountholders
You're a valued Target guest and we appreciate your loyalty and patronage
Thank you for the opportunity to respond
Sincerely,
Gene ***
Target Corporate 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, 10, 2015/09/03) */
September 3,
***
***
San Tan Valley AZ
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 regarding negative reporting to the national credit bureaus
In reviewing your account, we've found the reporting to be accurateWe hope you'll understand that we're obligated as a credit issuer to be accurate when reporting our accountholder's payment historiesBecause of this, we respectfully decline to change the information we've reported to the credit bureaus about your account
Although we know this is not the outcome you had wanted, we hope you'll understand that we must remain consistent in our credit policies in fairness to all our accountholders
Please know that you are a valued Target guest and we 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 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 /* (1000, 5, 2016/01/12) */
January 12,
*** ***
***
Crowley 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've received correspondence from you regarding this same issue through the Consumer Financial Protection Bureau and the Revdex.com on October 2nd and December 21, 2015, and January 4th and January 5,
We're sorry for your continued frustration with this issueIn our first response, we advised you that your account was sold to *** on April 20, If you need to contact them they may be reached at (800)***
In addition, on October 1st we mailed an affidavit of fraud to your mailing addressWe sent a second affidavit of fraud to your mailing address on December 22ndWe received your affidavit of fraud on December 29thHowever, instead of your signature, you wrote on the affidavit that you refuse to sign the formWithout your signature, our fraud department will be unable to resolve your fraud claim
Please contact our fraud department at (800) ***; extension *** and work with them directly regarding your fraud claimThey are able to work with you to resolve this issue
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 /* (3000, 7, 2016/01/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My identity has been stolen, so I do not provide signatures on any documents involving creditI have had issues with my signature being forged
I am fully aware of my consumer rights within the law, and Target is willfully and intentionally violating my rightsThey do not need my signature to complete this dispute or fraudulent account claim
I attempted to call and deal with the fraud department, per the number listed on the form and cfpb response, and I was told the account is no longer in their system and they do not even have access to it!
Target's continuing effort to cause financial harm to an identity theft victim is extremely disappointingIf this cannot be resolved within the next days, I will be resorting to legal action
Final Business Response /* (4000, 9, 2016/01/20) */
January 20,
*** ***
***
Crowley TX
Your Letter to the Revdex.com
Dear *** ***:
We're sorry for your continued frustration with this issueOur records indicate our fraud team members do have access to your account as they have noted your account with information after previously speaking with you
At this time your claim has been assigned to one of our fraud team membersThey will review your claim using the information you sent in and will contact you once they have reached a resolution on your fraud claimAs we stated in our previous response, please contact our fraud department at (800) ***; extension *** and work with them directly if you have any additional questions about your claim
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,