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Target Card Reviews (332)

Initial Business Response /* (1000, 7, 2015/10/13) */
October 13,
*** ***
***
Baldwin *** CA
Your Letter to the Revdex.com
Dear Ms***:
We received your correspondence forwarded to us by the Revdex.com of Minnesota and North
DakotaWe're sorry for the frustration you experienced with the returned payment on your Target Credit CardTMTarget is committed to providing exceptional service to all our guests, and we're sorry if that wasn't your experience
Please remember that under the terms of your Credit Card Agreement, a minimum payment amount is due each monthThis payment is due on or before the same day of the month listed on your monthly billing statements; otherwise, a late fee and interest charges may be assessed to the accountIn addition, as outlined in your account agreement, when a payment is missed that amount is added to the following month's minimum due payment
On your statement dated June 19, there was a new account balance of $56.36, with a minimum payment of $due by July 16, No payment was received and a late fee and interest charge were assessedWe received an electronic payment on August 14, 2015, made online through REDcardTM Account Management in the amount of $This payment was returned unpaid by your bank because the bank was unable to locate the bank account you provided for the payment
On your statement dated July 19, your new balance was $Included in the balance calculation was the credit of the late fee and interest charge that was waived as a courtesy, however because of the $returned payment, a return check fee of $was added to the account along with the accrued interestA minimum payment of $was due by August 16, On August 31, the $electronic payment was also returned unpaid because the bank could not locate the bank account for payment
Please verify that the account number you are using is correct and is either a checking account or a savings accountWe do not accept debit cards for online electronic payments
As a guest courtesy, the $return payment fee has been waivedAfter this credit your account balance will be $84.41, with a minimum payment of $due by October 16, to avoid future late fees and finance chargesThis payment will bring the account balance to zero
Thank you for 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 /* (3000, 10, 2015/10/14) */
Target only waived a charge of $Kindly review my complaint,for the interest charge and fee to be removedI would like to pay off my bill immediately once those charges has been waived
Thank you so much for your assistance
Final Business Response /* (4000, 12, 2015/10/22) */
October 22,
*** ***
***
Baldwin *** CA
Your Letter to the Revdex.com
Dear Ms***:
We received your additional correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota
The $return payment fee was waived as a guest courtesy and your account was not eligible for an interest charge credit at that timeWe respectfully decline to remove this interest chargePlease remember as a guest courtesy, we have already removed two different monthly interest charges in the last twelve months
We appreciate your patronage and long standing loyalty
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 Business Response /* (1000, 7, 2015/10/13) */
October 13,
*** ***
***
Middletown OH 45044-
Your Letter to the Revdex.com
Dear Mr***:
We're sorry for the frustration you've experienced regarding your account
Thank you for contacting us to share your experienceWe continually evaluate and use feedback to continue to support our mission of always providing exce***t service to all of our Target guests
Our records indicate you opened your account on September 26, On your statement dated October 20, there were new purchases of $19.56, with a minimum payment of $due by November 17, We received a payment of $on December 22, 2014, bringing the account balance to zero
We spoke with you recently and verified your address was correct, and you let us know you were having trouble with mail deliveryPlease know nothing was returned to us by the U.SPostal Service as undeliverableYou did change your address to the address written above on July 23,
As a guest courtesy, we've requested that the national credit bureaus remove any record of late payment for this account from your credit reportHowever, please know the credit bureaus may take up to days to make their changes
You're a valued Target guest and we appreciate your loyalty and patronage
Thank you for the opportunity to respond
Sincerely,
Gene A***
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,

I am rejecting this response because:
As I told you before, my "account number" did not change when I updated it in your systemPlease take the time to investigate the matter and don't just give me copy and pasted responsesIf you look at the last digits of the original account I provided, this will exactly match the last digits in the digits I provided after the update.Those digits are my account numberOne that I use successfully for my Chase Credit CardAs I showed you prior, your website asks for the "account number" and that is what I providedIf you there is a specific format that is required, then the onus is on you to inform me of those requirementsIf you fail to say a specific format is required, then you are responsible for the feesI am not paying for your lack of information

Initial Business Response /* (1000, 5, 2015/12/24) */
December 24,
***
***
Chicago 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 any frustration or inconvenience you experienced when a payment was drawn out of your bank, causing you to overdraw
You used the Manage My REDcardTM site to make a payment to your Target REDcard account on November 15, However, due to a processing error, the funds for that payment were not withdrawn from your bank account as quickly as you're probably used toInstead, the withdrawal likely posted to your bank account around December 15,
The withdrawal from your bank account is not a duplicate chargeEven though we didn't receive the funds for your payment until recently, the payment still posted to your REDcard with the originally intended date of November 15,
We'd like to refund you for the amount of overdraft fees you've been charged by your bankPlease call us at (612) *** to let us know how much you were chargedYou may also fax your bank statement to (612) *** showing any fees that were charged as a result of the delay in withdrawing this paymentWe can either refund you by crediting your REDcard account, or by mailing you a refund check
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
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, 2015/12/28) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 7, 2016/01/25) */
January 25,
***
***
Chicago 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 any frustration or inconvenience you experienced regarding late fees being assessed to your Target Credit CardTM account
Please remember that per your Target Credit Card Agreement, a minimum payment must be made by your due date every monthYou can view your account online, or call us anytime if you have questions about your current minimum due payment
As a courtesy, we've credited all remaining late fees and finance charges assessed to the account totaling $These adjustments have created a zero balance on your account and you'll see the credit processed on your next statementWe've also removed any past due payment history showing on your account since August 25, 2015, when we received your payment in the amount of $
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
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, 2016/01/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you so much Mr***I sincerely appreciate your response and actionPlease know that I understand how these agreements work, however, I truly feel that I made reasonable efforts to resolve this bill/accountAgain, thank you so very much
***

Initial Business Response /* (1000, 12, 2015/08/12) */
August 12,
***
***
Springfield MA 01118-
Your Letter to the Revdex.com
Dear Ms***:
We're sorry for your frustration with the email alerts which advise you that your
statement is ready to be viewedOur records indicate that alerts were sent to***@gmail.comWe regret the service you received added to your frustration
Please remember that per the Manage My REDcard(r) terms and conditions, alerts do not replace your billing statementAs disclosed in the terms of your Credit Card Agreement, a late fee is assessed if your monthly minimum due payment is not received by your due dateAs a guest courtesy, the $late fee assessed in July 10, has been credited to your account
At your request your account was closed on November 5, We're sorry if this has affected your relationship with Target but we look forward to seeing you in our stores again in the future
Please know that we take feedback seriously, and appreciate you taking the time to share your experienceWe will share this feedback with the appropriate teams so they are mindful of the issues you raised
Thank you for 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
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, 14, 2015/08/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Target only addressed half of my concernsThank you for the guest courtesy of crediting the $late fee
The second part was correction to my credit report if it was negatively affectedI checked my credit report this morning and it has been affectedIt now says I was days late on a Target paymentAs stated in my original email, I made a $payment on 7/And payed the remaining balance before 8/due dateOn 7/I received a letter from *** collections asking for $by 8/(which I did on 7/20)I understand my account was past due, but I was fixing the problem in a timely mannerI do not understand why this got sent to collectionsI feel like I was not given the opportunity to correct this issue; which is unfortunate
Final Business Response /* (4000, 16, 2015/08/21) */
August 21,
***
***
Springfield MA 01118-
Your Letter to the Revdex.com
Dear Ms***:
We're sorry for your continued frustration with your accountIn addition, we're sorry if we did not address all of your concerns from your initial correspondence
Our records indicate we did not receive payments on your account by your June and July due datesFor that reason your account was reported as past due to the national credit bureausAlthough we were able to waive your late fee as a courtesy, we're unable to change how your account is reporting to the credit bureaus because it's an accurate reflection of your payment historyMaking changes would misrepresent the status of your account and we must remain consistent in our credit policies in fairness to all of our accountholders
We apologize for any misunderstanding concerning the past due status of your accountHowever, as stated in our previous response, email alerts were sent to you every month advising that your statement was available to be viewed online
Please also let us make a correction to the information we included in our previous letter regarding the date your account was closedYour account was closed on July 15,
We're sorry if this has affected your relationship with Target but we hope to see you in our stores again in the future
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
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

Reply

Response

Initial Business Response /* (1000, 7, 2016/01/18) */
January 18,
***
***
Frisco TX
Your Letter to the Revdex.com
Dear ***:
We're sorry for your frustration with your Target Credit CardTMThank you for sharing your
experience with usWe continually evaluate and use feedback to continue to support our mission of always providing an excellent experience for all of our Target guests
Please remember that under the terms of your Credit Card Agreement, a minimum payment amount is due each month you carry a balance on your accountThis 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
Our records indicate your August 11, statement balance consisted of new purchases of $A minimum payment of $was due by September 8, The next payment we received was $on October 14, 2015, leaving a balance of $No more payments were received and late fees and interest charges were assessed
As a guest courtesy, we have removed the remaining late fee and interest balance of $Your account was permanently closed at your request on December 28, We're sorry to hear this has affected your relationship with Target but we hope to see you in our stores again in the future
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 /* (2000, 9, 2016/01/20) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Fees have been removed

(The consumer indicated he/she ACCEPTED the response from the business.)
I learned something from this just because I did not get a credit card it could be charged to me anywayI hope your company learned that you should listen to the customer and not make assumptions and tell them they can not do anything for themI do not know how many times I tried to explain what happened but no one wanted to help me until I got the Revdex.com involved
Thank You Target and Revdex.com

Initial Business Response /* (1000, 7, 2016/01/15) */
January 15,
***
***
Gainesville VA
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 experienced due to previously not receiving your email alerts or billing statements
Our records indicate on August 30, you requested to receive email statement alerts onlyWe then attempted to send you your alerts on the 12th of each month to the email address you provided of [email protected] also sent paper statements for the months of September and November to the mailing address listed above, which is the address we have on file for your account
Please remember that per the Manage My REDcardTM terms and conditions, alerts do not replace your billing statementTarget does not guarantee the delivery of any alert and your alert may be delayed or prevented by factors affecting your Internet or Third Party Service ProviderYou can check your account online, or call us any time at (888) ***, to get your account balance and minimum due to avoid any additional late fees
Because we sent email alerts to you as requested, as well as sent paper statements to the account address, we respectfully decline to credit any late fees at this timeAlthough we understand this is not the outcome you had wanted, we hope you'll understand that we must remain consistent in our credit policies in fairness to all our accountholders
Thank you for the opportunity to respond
Sincerely,
Darren ***
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, 2016/01/08) */
January 8,
***
***
Neptune 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 appreciate the time you've taken to let us know about your concernsWe're sorry for your frustration regarding any negative credit reporting related to this Target Credit CardTM account
We've reviewed your account and a request has been filed on your behalf to discontinue any further reporting to the credit bureaus
Please note that the credit bureaus can take up to days to update your filesYou may verify the status after that time by contacting the credit bureaus directly at the following addresses or phone numbers
Equifax Experian Trans Union
PO Box PO Box PO Box
Atlanta, GA 30374-Allen, TX Chester, PA
(800) 685-(888) 397-(800) 888-
Thank you for the opportunity to respond
Sincerely,
Darren ***
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, 2016/01/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/12/10) */
December 10,
***
***
Virginia Beach VA
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've credited the fees that were assessed to your Target Credit CardTM as a result of this issueYou'll see credits totaling $on your next billing statementWe've also sent a request to the credit bureaus asking that they remove the record of late payments from your accountPlease note the credit bureaus may take up to days to update their records accordinglyPer your request, your account was closed on January 30,
You're a valued guest and we're sorry you chose to close your account over this issueWe hope you'll still consider choosing 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, 7, 2015/08/24) */
August 21,
***
***
Hampshire 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 the frustration and inconvenience you've experienced as a result of misapplied payments being debited from your bank account
Please know that it is never our intention to purposely debit funds from a bank account without authorizationHowever, it appears that one of our accountholders erroneously provided us with an account number that matched your own when they were setting up their payments
Unfortunately, we have no way to track which Target account your payments have been applied toPlease continue to work with your bank to have the funds credited back to your accountAlso, work with your bank to see if changing your bank account number is the best course of action to prevent this from happening in the future
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, 2015/08/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
That is unacceptableIt is one of your account holders, you should have every bit of their informationI should not need to change my account number due to your laziness & ineptitudeI make no claim to be an MBA, but even my limited knowledge says that you can easily check which account holder in now months behindAlso, there are checks & balances built into most every system to cross check through the bank routing number, which you have never even requested form meIf you seriously have no way to track this information, then you have much bigger problems than just this oneI need a bean counter type, not a PR personPlease get someone from your accounting deptto look into this
Final Business Response /* (4000, 11, 2015/09/03) */
September 3,
***
***
Hampshire 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 any continued frustration and inconvenience you've experienced as a result of misapplied payments being debited from your bank account
We understand the difficulty in having to change your bank account numberUnfortunately, as referenced in our response dated August 21, 2015, with the information provided in your initial complaint we have no way to track which Target account your payments have been applied to
If you are willing to provide us with your bank information we may be able to locate the account these payments are being processed toThe information we would need is the routing and account number for the account that these payments are being debited fromPlease send this information to:
Target Card Services
c/o External Correspondence
***
Minneapolis, MN
If you feel more comfortable contacting us via phone the phone number is (612)***
While we can't guarantee we'll be able to locate the account, we're willing to take any steps possible to avoid the inconvenience of you having to change your bank account number
Please also continue to work with your bank to review the best options available to avoid any future issues
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, 12, 2015/09/09) */
September 9,
***
***
Bergenfield 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 when a Target Credit Card was opened for you on January 17,
Our records show statements have been mailed to the address listed above on the 12th of each month since the January 17th open dateWe've also verified that this was the address provided to us at the time of the account being opened
However, as a courtesy, we've credited all fees assessed to your account, totaling $You'll see these credit adjustments on your next statementYour statement will also reflect a remaining balance of $117.65, which was the amount of the original purchase made on January 17thBecause we never received any payment towards this purchase, this amount is still outstanding on your account
We've also removed any past due payment history from this accountPlease know that it may take the credit bureaus up to days to update their records accordingly
Thank you for the opportunity to respond
Sincerely,
***
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 Consumer Rebuttal /* (2000, 14, 2015/09/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I appreciate Target's considerationI had been a client since with a very good payment history on my original accountThere will have been no need for me to jeopardize my credit for a minimal $purchaseThat account was open without my authorization and this will have never happened if the customer service representative had not opened this account
The amount due of $will be paid immediatelyI will like to request in addition that this account be closedAs of today it remains open in my credit report
I will continue to monitor my credit to make sure Target adheres to their promise of removing any past due history
I appreciate the assistance of the Revdex.comYour help was invaluable in helping me and my lawyer resolve this claim

Initial Business Response /* (1000, 10, 2015/07/14) */
July 14,
*** L ***
***
***
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 late fees being assessed to your accountPlease know that per the terms of your Credit Card Agreement, a late fee and interest charge may be assessed if we do not receive your full minimum due payment by the due dateWe see that a payment was not made on your account for the May 23rd and June 23rd due dates
Our records show that you enrolled in online only statements starting in April Alerts that advised your statement was ready to be viewed online were sent to the email address of [email protected] every monthThis alert was deleted on July 2nd and your statement delivery method was changed to paper statements onlyYou'll receive paper statements starting with your August statementHowever, you can continue to view your statements online through Manage My REDcardTMYou can also contact us at (888) 755-anytime to find out your minimum payment due amount
We're sorry but because the fees from May 23rd and June 23rd were assessed per the terms of the account agreement, we are unable to credit them to your accountWe are also unable to change how this account is reporting to the national credit bureaus because it is an accurate reflection of your payment historyAlthough 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 also know that we do offer auto pay as a way to make your monthly paymentsAuto pay enables you to schedule recurring monthly payments that are initiated for processing each month on your payment due dateTo request auto pay paperwork, or to learn more about this option, please contact us at (888) 755-You can also sign up for auto pay online through Manage My REDcardTM at rcam.target.com
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, 12, 2015/07/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Your records are mistaken and I did not want e statementsAnd I no longer will do business with a company that stands behind genetic terms and conditions vs doing what is right fir thr customerI'll never shop at target again so you lost mone and my family and friends business over s late feeI believe I deserve the benefit of thr doubt that I never received the statements weather you shoe you sent the yo a email or notYou will not get another penny of my money and your empty apology followed up with your bogus claim I was days lateFrom the time I used the card and when I paid it off was barely over a month totalWhat happen to the customet satisfaction? I know I am not a valued customer and target offers nothing I can't find at Walmart Or MeijerWord of mouth can hurt a business reputation and after this experience I have nothing good to say about Target storesI never said you didn't have the right to charge me I stated it's not right given the circumstances and I disagree I signed up for e statements I disagree they were delivered to my inbox and Its clear you spent no time evaluating my request
Final Business Response /* (4000, 14, 2015/07/20) */
July 20,
*** L ***
***
***
Your Letter to the Revdex.com
Dear *** ***,
We received your further correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota
We're sorry for your continued frustration with this issueAs we stated in our previous response, our records show that you enrolled in online only statements starting in April
Once the option for online only statements is selected, paper statements are not mailedWhile we send out email alerts to notify you when a new statement is available, statements are not e-mailed to youHowever, online statements may be viewed at any time to find out the balance, due date, or amount dueWe offer the option at any time to change your statement delivery method by calling us at (888) 755-or by going online using Manage My REDcardTM
We're sorry this issue has affected your relationship with Target
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, 5, 2016/02/25) */
February 25,
*** ***
***
Enola PA
Your Letter to the Revdex.com
Dear *** ***:
We received your correspondence forwarded to us by the Revdex.com of Minnesota
and North Dakota
We regret the frustration you're having with the reporting of your accountOur research indicates your account was opened on February 20, The account charged off as a bad debt on August 14, The last payment we received was on December 2, 2014, which paid the balance in fullThe account is correctly reporting to the national credit bureaus as a charged off account paid in fullIf you have questions about how long the credit bureaus will continue to report the account please contact them 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-
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 account
Making 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,
Tina ***
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, 12, 2015/08/12) */
August 10,
*** ***
***
San Antonio TX 78253-
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 with the payment on your Target Debit CardTMTarget is committed to providing exceptional service to all our guests, and we're sorry if that wasn't your experience
Our records indicate the $purchase, made on June 27, 2015, was returned unpaidYou updated your checking information on June 29, to the account number ending ***
The banking information associated with the returned check is permanently attached to the returned transaction at the time of the purchaseChanging the banking information after the transaction is returned does not transfer new banking information to the returned transactionWe want you to know that the $purchase remains unpaidAs a guest courtesy, the $return check fee assessed by Target was removed
To make a payment and to verify the banking information is correct for your Target Debit Card, please call (800) ***
You are a valued Target guest, and we appreciate your patronageWe hope to see you at Target again soon
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

Initial Business Response /* (1000, 7, 2016/01/26) */
January 26,
***
***
Pipestone 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 the frustration and inconvenience you experienced due to incorrect bank information showing online, resulting in late fees being assessed to your account
Our records show there was an update made to your online information on November 20, Because this appears to be an incorrect entry of your bank information, we've credited the two late fees that were assessed since that date, totaling $We've also removed any past due history that was a result of the error
We're sorry but we are unable to remove account numbers that are showing online on the Manage My REDcardTM websiteTo change your information please click on 'Manage Bank Information', which is located on the left panel of the 'Bank Account History' screenIf the incorrect bank account number is still showing in the online bill payment system, please update your information to avoid any payment issues in the futureIf you have additional questions on how to update this information you may contact one of our specialists at (800) ***, ext***
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, 9, 2016/02/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Target Company (NOT me) removed my checking account number and put another persons acct number in my online Target account-therefore, Target (NOT me) needs to put back in the correct info! I also received a collection letter from Target's Collection agency, so Target has not yet fixed my creditInterest in the amount of $(plus any still accruing has not yet been removed) I have no info as to whether or not the late payment fees of $were actually removedI MAILED Target a check today for the total that I actually do oweSo far, Target has not resolved the problem at all! How many months will it take?
Final Business Response /* (4000, 11, 2016/02/12) */
February 12,
***
***
Pipestone 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 the continued frustration and inconvenience you experienced due to incorrect bank information showing on your online account
In an attempt to rectify this issue, we were able to remove the incorrect bank account information showing onlineHowever, for the sake of our guest's security, we are unable to view your previous bank account information in its entiretyTo change your information, please access Manage My REDcardTM and click on 'Manage Bank Information', which is located on the left panel of the 'Bank Account History' screenIf you have additional questions on how to update this information you may contact one of our specialists at (800) ***, ext***
As mentioned in our response dated January 26, 2016, we credited late fees and finance charges on your account, totaling $These credit adjustments were processed on the same date the previous letter was sent and you will see the adjustments on your next statement
At that time we also removed any past due payment history which occurred as a result of this issue
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
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,
Credit Cards

Initial Business Response /* (1000, 10, 2015/10/14) */
This is an attempt to collect a debt
Any information obtained will be used for this purpose
October 9,
***
***
Cedar Park 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 confusionOur records indicate a minimum payment of $was due on your account by September 2ndWe received a $payment on September 3rdA $late fee was assessed on September 2ndA minimum payment of $was due by October 2ndWe received a $payment on October 3rdA second late fee of $was assessed to your account October 2nd
To avoid late fees, we must receive the minimum payment in full by your due dateTo avoid any further late fees, please make a $payment by November 2nd
As a courtesy, we've credited the $late fee that was assessed to your account on October 3rdYou'll see this credit on your next billing statementWe're sorry but we are unable to waive any additional late fees because the fees were assessed per the terms your credit card agreement
You're a valued guest and we appreciate your patronage and loyalty
Thank you for the opportunity to respond
Sincerely,
Stephanie ***
Target Card 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,
Initial Consumer Rebuttal /* (3000, 12, 2015/10/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Thank you for taking the time to look into my complaint I sincerely appreciate itWhile really and truly do appreciate the late fee you reversed that I received in October-- I received one in September, this was honestly due to human errorI truly thought my due date was on the 3rd, I value my credit and am really trying so hard to pay this card down, and you see I received penalties months in a row equaling $The truth of the matter is-- is simply cannot afford those two feesIf you could please reverse those penalties that I received, from here on out I will not pay my target bill late- that is for certainIf you could please reverse those penalties I would really and truly appreciate itI spend a lot of money at target, the month before school started I spent nearly $1,alone--I have kids, I use my debit red card usually, if you have a way to track how much me and my husband spend you'd be able to see --we each have separate cards
Anyhow thanks again for your help have a wonderful day
Final Business Response /* (4000, 14, 2015/10/21) */
This is an attempt to collect a debt
Any information obtained will be used for this purpose
October 21,
***
***
Cedar Park TX
Your Letter to the Revdex.com
Dear ***:
We received your further correspondence forwarded to us by the Revdex.com of Minnesota and North Dakota
We're sorry for your continued frustrationAs stated in our previous response to you, we credited the $late fee that was assessed October 2ndUnfortunately, we are unable to credit any additional fees on your account at this time because fees have already been waived on your account in the past
Please know that it's always our preference to accommodate our guests, it's unfortunately not possible in this circumstance because we have to remain consistent in our policies in fairness to all our guestsWe appreciate your loyalty and patronage and hope you'll continue to consider Target for your shopping needsPlease also know that your account has not been reported negatively to the national credit bureaus as a result of this issue
Thank you for the opportunity to respond
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,

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