phyllis's story, visit lyrica.com. neil: target shoppers and neiman marcus shoppers, government experts are right.al mea culpa is is not cutting it. >> no, it's not. this is a serious problem and consumers have been severely affected. neil: i was told that some of them lasted anywhere from a couple of hours a couple of days. we have numerous reports that are much worse than not, particularly with some of these institutions like the credit union's tight organization and they have seven to 10 business days to get things right. so they had to contest the fraudulent charges and be without access to that money while the banking institutions investigate that. neil: target wasn't as forthcoming and that was pretty much the case when one a reporter was well after the fact. and so how do you deal with that and how are your clients feeling and will that be a factor that target like to point out the severity. >> absolutely. our complaint alleges that that is one of the things that targeted wrong. they did not notify consumers immediately. had they done that, a lot of the damage could have been prevented. and