Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
Full response attached. CONFIDENTIAL COMMUNICATION: Ms. [redacted] would like to be able to place another order on her FreshStart account, but this program only allows one order at a time, per the terms and conditions of the account. This is because this account is a closed-end loan, and not a revolving...
account. If Ms. [redacted] completes the FreshStart program successfully, she could graduate to a revolving account and be able to make multiple purchases as long as the account remained in good standing.
Upon receipt of the complaint, an acknowledgement email was sent to the customer on December **, 2017. The issue was referred to the appropriate department to review and investigate. Our records show an order was placed on line and a Service Order Confirmation was emailed to the customer showing the...
estimated monthly rate, the discounts, and expiration dates. After submitting the order, the customer took a screen shot of it before receiving the confirmation email which he sent to the representative. It was confirmed we received the email showing the monthly rate. We have a follow up to manually add the additional 12 months for 2019 in December 2018. An apology email was sent to the customer on January **, 2018, advising of the resolution.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
An Yvonne at the merchant attempted to call my home number twice and left extension [redacted], I tried this number back 7 times, this number has no voice mail, and at times, a fast busy signal. How is the merchant even able to resolve the issue at hand? I never received any e-mail from this individual or merchant, if I had an e-mail possibly the issue at hand can be resolved. I am ready to cancel my services without penalty.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Verizon’s Fiber Solutions Center reached the customer on7/*/15 and he stated that he was no longer having an issue with his FiOS VideoService and it was working to his satisfaction. Verizon reviewed the accountfor Video out of service credit which, in accordance with the tariff, isprovided based...
upon repair repots for out of service conditions for periods inexcess of 24 hours. The customer had two reports. The first was on 6/**/15 andwhen the tech had the customer reboot the router and the trouble was resolved.The second was on 6/**/15 for a fax issue that was resolved and not related tothe Video service.
The order number provided could not be found. We will need to speak with [redacted] in order to look further into this concern. Several attempts were made to reach the customer without success and a call me letter was mailed
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[You still did not address us being wrongfully billed in the amount of $327.39 from our previous ([redacted] address and it being turned over to [redacted]. I've called them as well as Verizon about clearing this up and it is still not resolved. I just received another notice to pay this balance that I do not owe. Verizon made the mistake of opening up another account at this address after we closed it out and moved...they apologized and said they would close it out but later we got a bill so Verizon never did close it or fix it.]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
Dylisia Sims
CONFIDENTIAL COMMUNICATION June 21, 2017 ...⇄ Better...
Business Bureau of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attached letter(s) of response as it exceeds the 2,000 max character count.
I am rejecting this response because:I have sent...
them everything they have requested I have sent them the information with the Chelan County Sheriff's Department that no report would be taken as the perk the package was not stolen from my porch the Box showed up empty untampered with until I opened it and found nothing in it I feel that I am getting the total run around I have ordered other major purchases from this company ordered a TV a laptop computer and had no problems with them now when I order the iPhone 6s and they're outside supplier in shipper is the one that did not place the item in the box when shipped I have sent all information for the Chelan County Sheriff's Department to them I have also showed sent them the information for the prosecuting attorney for Chelan County and also the Attorney General's Office of the State of Washington they need to investigate their supplier as their supplier is not supplying what they are supposed to be shipping I can guarantee you whoever packaged this box that the shipper will know who packaged it and I guarantee you that person most likely has my iPhone 6 in their back pocket in the meantime they are still making me pay for this phone even though I never received it and as far as my conversation with the people on their call in what they are stating is a bunch of Lies I called them four times and each time I was very rudely spoken to the last time I was told the blank F off and they hung up on me their customer service call bank is located in either India or Pakistan that's the only type of people that you could get the could not speak English early at all and they were very very rude all I know is I want my iPhone 6s that I ordered and that and that I have already paid $300 on while waiting for it to ride which I have not received and it looks like they're going to force me to pay the remaining balance or be turned over to collections I want my iPhone 6s that's all I'm asking for I'm not trying to rip anybody off I'm not trying to call a scam I want my product that I ordered and that I'm being forced to pay for it but they definitely need to investigate and contact their supplier that they use outside the company to supply the iPhone 6s and ship to their customers because there's their supplier is ripping not just me off the ripping the company offex
On December **, 2015, a technician dispatched regarding customer having Set Top Box issues in one room in the home. Our technician replaced the Optical Network Terminal (ONT). Several attempts were made to reach the customer without success and a call me letter was mailed.
response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because: They have contacted me directly by phone and to my knowledge, they are still investigating the case. I was told that someone will contact me again on this matter and I am still waiting for their response. Therefore, this case is STILL open and has not been resolved yet.
Sincerely,[redacted]
CONFIDENTIAL COMMUNICATION [redacted] Jessup, Pennsylvania 18434-1833 May 4,...
2017 Revdex.com Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: [redacted] ID # [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of [redacted] regarding a Haband order. Ms. [redacted] states that she purchased a pair of shoes on April 13, 2017 and she received a confirmation email that she would get tracking information once it was available. She is unable to view the order status online. She further states that she contacted Haband and has not received a response. Our records confirm that Ms. [redacted] placed an internet order on April 13, 2017 for a pair of Comfort-well® by Beacon® Stretch-n-Form Pumps for $21.99 and free shipping. The order was shipped on April 19, 2017 via UPS Sure Post with the tracking number [redacted] and was delivered by the local post office on April 25, 2017. The USPS tracking number is [redacted]. We received an email from Ms. [redacted] on Saturday, April 29, 2017 with a request to check the status of her order. Since our customer service department is closed on weekends, a response was sent to Ms. [redacted] on the next business day, Monday, May 1, 2017. I called Ms. [redacted] on May 4, 2017 and she was not available to take the call. I spoke with her daughter who answered the phone asked what the call was in regard to. She stated that she filed the complaint for Ms. [redacted] and that she received the order. If Ms. [redacted] has any further questions or concerns, she may contact Customer Service at ###-###-#### between 9 am- 9 pm (EST), Monday – Friday. Thank you for allowing us to explain. Sincerely, Lea [redacted] Haband Customer Service Bluestem Brands, Inc.
CONFIDENTIAL COMMUNICATION June 10, 2016 Revdex.com of Minnesota ...
...⇄ #[redacted] Attn: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account. Attached is a statement of account activity. Mr. [redacted] states payments are being made on time each month, but Fingerhut is not applying the payments to his account. Mr. [redacted] further states that after one of his payments was processed successfully, Fingerhut continued to run additional payments until his credit card locked up. Mr. [redacted] is requesting an investigation because Fingerhut is calling him in an attempt to collect payments. Mr. [redacted] states he can prove that payments have already been made. Based on our research, the balance on Mr. [redacted]’s account was zero when he placed an order on November 22, 2015. An additional order was placed on December 21, 2015 with the first payment of $46.99 being due on January 7, 2016. According to our records, Mr. [redacted] spoke with an agent on January 11, 2016 but declined to make a payment. Mr. [redacted] stated that someone else would be making a payment on his account. There is no record of any attempted payments being made on Mr. [redacted]’s bill until March 1, 2016 when a $40.00 payment was processed successfully online with an American Express debit card. On April 1, 2016, there were five attempts to process a payment online for $60.00, $60.00, $80.00, $180.00 and $186.00. Each of the five payment attempts were declined. Please note that when a payment declines, the cardholder will see a “Pending Authorization” on their card. This authorization will be removed and the funds are released back to the card after approximately two to five days. On May 24, 2016, Mr. [redacted] enrolled in a three-month payment plan. On June 5, 2016, the first of three $59.99 payments was processed successfully. The remaining two payments are scheduled to process on July 5, 2016 and August 5, 2016. After successful completion, Mr. [redacted]’s account will be brought current. As of June 10, 2016, Mr. [redacted]’s balance on his account is $959.70. Based on the call logs associated with Mr. [redacted]’s account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern Standard Time. Our records also indicate Fingerhut never attempted to contact Mr. [redacted] more than six times in a day while his account was in a delinquent status. If Mr. Reeder has further questions, he may contact our Billing Department at ###-###-####. Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/lg Enclosure
Initial Business Response /* (1000, 6, 2015/11/25) */
CONFIDENTIAL COMMUNICATION
November 25, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear...
Ms. [redacted],
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate on July 23, 2015 Ms. [redacted] purchased a Clean Spin Mop with Press Handle with a 1 Year Service Plan. On November 13, 2015 Ms. [redacted] requested the warranty information for the mop. On November 18, 2015 Ms. [redacted] informed us the product was broken. While customer satisfaction is very important to us, we do require returns to be made in accordance with our Return Policy, which states:
"We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 180 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are non refundable. Computers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers' warranty. Software and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only."
As stated above when Ms. [redacted] purchased the mop she also purchased a 1 Year Service Plan which begins on July 26, 2016. This Service Plan is though NEW (National Extended Warranty), she may contact them at [redacted]. Her warranty contract number is [redacted].
For all concerns with the product we recommend Ms. [redacted] contact the products manufacturer, Viatek Products, at [redacted].
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 8, 2015/11/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I contacted manufacturer already and had to leave a message n no response. the extended service plan company said they do not cover mops and I was sold a extended service plan errounsley. I placed the gentleman name in the original report.
I should ask finger hut for a refund on the extended warrant.
at this point I just want my mop exchanged with fingerhut. my 6.99 credited back.
If this can't get fixed I will take further and I would choose not to do business with them anymore
Final Business Response /* (4000, 10, 2015/12/07) */
CONFIDENTIAL COMMUNICATION
December 3, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
As we have previously stated, Ms. [redacted] will need to contact the manufacturer, Viatek Products, at [redacted] for all issues concerning the mop.
The warranty she purchased with her product begins on July 26, 2016 with NEW (National Extended Warranty). Until that date, Ms. [redacted] will need to contact Viatek Products.
We have provided Ms. [redacted] with all the information we have available. Fingerhut considers this matter closed.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
should not be penalized for the mistakes of their employees. Not only have they not issued credit as promised, they've also kept the items so I'm out the money and the products. This needs to be corrected. I have notified the attorney general of this issue as well.
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attached letter of response as it exceeds the 2,000 max character count.
The customer was affected by a damaged outside line. A technician was dispatched on 12/**/16 and was able to restore the service. A credit in the amount $11.80 was issued on the account. We apologize for any inconvenience that this matter may have caused the customer.
I am rejecting this response because:
THE COMPANY WILL NOT REMOVE THE BILLING STATEMENT FROM PROFILE. THE COMPANY NEEDS TO CLOSE THIS PARTICULAR ACCOUNT.
Initial Business Response /* (1000, 8, 2016/02/29) */
CONFIDENTIAL COMMUNICATION
February 26, 2016
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]
Dear Ms....
[redacted],
I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Mr. [redacted]'s account indicates he purchased a Bissell PowerGlide Premiere Pet vacuum with a 2 Year Service Plan totaling $313.97 on October 5, 2014.
We received the return of the Bissell PowerGlide Premiere Pet Vacuum on January 16, 2015 with a reason of "Difficult to Assemble" and the account received credit for the merchandise price. However, the original shipping/handling is non-refundable on return merchandise, and a return postage fee was deducted from the credit because it was sent back to us for a "non-qualifying" return reason (An example of a "qualifying" reason would be in cases of a defect or damage not caused by the customer, which in most cases Fingerhut covers this cost.).
Fingerhut's Return Policy:
We will issue an exchange or refund for most items returned in new condition within 30 days (60 days for Fingerhut Choice Plus members) of receipt. No returns will be accepted after the home trial period without prior return authorization from Fingerhut. Returns accepted after the home trial period may result in prorated cash or credit adjustments based on the age and condition of the product. Returns will not be accepted for credit after 180 days. Other product concerns must be handled under the manufacturer's warranty. Shipping and handling charges are non-refundable. Return postage is the responsibility of the customer.
Music, movies video games and software must be returned unopened with the factory seal intact. Exchanges are permitted for identical product only. Computers, camcorders, digital cameras, electronic game systems, air conditioners, Holiday decorations, heaters and generators must be returned within the 30-day home trial period. Products sold in sets must be returned as sets; partial returns will not be accepted. Personalized Products, Made-To-Measure Window Treatments may only be returned for credit if they are damaged or defective. Exchanges are permitted for identical product only. Gift cards cannot be returned. Other restrictions may apply.
Our records indicate no payments were made and the subsequently the account was assessed with Late Fees and finance charges.
Our records indicate that due to severe delinquency, the WebBank/Fingerhut Advantage Credit Account charged off on June 20, 2015 with a balance of $199.20 and was then sold to [redacted] on June 30, 2015.
As a courtesy to Mr. [redacted] we will be purchasing the account back from [redacted] and closing it. Additionally, we will request that this be removed from Mr. [redacted]'s credit bureau report and advise that this may take up to 60 days to process.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
Initial Consumer Rebuttal /* (2000, 10, 2016/03/10) */
Initial Business Response /* (1000, 5, 2015/04/23) */
CONFIDENTIAL COMMUNICATION
April 22, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
I am writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account.
Mr. [redacted] states he has called and written Fingerhut, but they have failed to provide debt validation for his account ending in 8273. Mr. [redacted] would like the trade line removed from his credit report.
According to our records, on March 20, 2015, Mr. [redacted] spoke with a representative from Executive Care regarding his sold account. His complaint was that Trans Union was not reporting his old Fingerhut account with a zero balance even though it had been sold to [redacted] in October 2012.
An electronic update was sent to remove the balance that was reporting to Trans Union. (Ref #73925829) An account review on March 27, 2015, confirmed that Trans Union is now reporting Mr. [redacted]'s Fingerhut account accurately as "Purchased by Another Lender" with a balance of zero.
The WebBank/Fingerhut account ending in 8273 was opened on December 4, 2009 when an order was placed online for a Kodak 12MP Digital Camera Bundle . The name and address on the application is the same one Mr. [redacted] provided when contacting us regarding this issue.
Nine payments for a total of $266.99 were received from a checking account in the name of [redacted]. The account charged off with an unpaid balance of $767.45 on May 1, 2011. The account sold on October 1, 2012 to [redacted].
On July 15, 2014, Fingerhut approved a second application for credit from Mr. [redacted] and issued a new account number. Both trade lines are reporting accurately on Mr. [redacted]'s credit report.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]'s Welcome Packet. It states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well.
Thank you for the opportunity to explain.
Sincerely,
[redacted]
Executive Care Team
VF/lg
Initial Consumer Rebuttal /* (3000, 7, 2015/04/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They have never properly validated this account. I never opened an account with them on Dec 4 2009. I've asked for copies of any agreement signed by me authorizing this particular account. I did willingly open an account with fingerhut in 2014. This is the only account I've ever had with them. They refuse to provide proper documentation. When I found out about this erroneous tradeline I called March 20 2015 and spoke with a representative who informed me they would update the sold off account to 0 and then submit a request for removal of the tradeline from all there credit reporting agencies.Also I was unaware they were reporting a balance on an account they sold off years which damaged my credit rating. In fact when they sold the account they were supposed to, by law, update the tradeline to reflect a 0 balance. They never did this for 3 years! The conversation I had is a verbal contract by them to remove the erroneous tradeline from my credit reports. If this matter is not resolved to my satisfaction I will be forced to take legal action as well as notify the cfpb, attorney generals office and the ftc.
Final Consumer Response /* (3000, 13, 2015/05/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I advised the representative on March 20th that I did not recognize nor open an account in 2009. Also fingerhut was reporting a balance on the account which they did not legally own. By law they were to update the acct to reflect a 0 balance when the account was sold years ago. They failed to do so. My credit was ruined because of this. The representative stated that they would have the tradeline removed from my credit reports. I've sent two requests for validation and both were ignored. I'm seeking proof of ownership since I did not open this account in 2009. If this erroneous tradeline is not removed from my credit reports I will seek legal action against blue stream brands.
Final Business Response /* (4000, 18, 2015/05/21) */
CONFIDENTIAL COMMUNICATION
May 21, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to an additional inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account.
Mr. [redacted] states that he did not open an account with Fingerhut in 2009 and would like the trade lines deleted from his credit report.
As stated in our previous response, Mr. [redacted] contacted Fingerhut on March 20, 2015 inquiring about his Trans Union credit reporting. The representative Mr. [redacted] spoke with did not promise to delete the trade lines, only to correct the error on the Trans Union report. Mr. [redacted] inquired whether the agent could simply delete the trade line altogether, to which the agent replied that we are required to report accurate information, and therefore no deletion could occur. The call ended with no request for validation or any mention of fraud by Mr. [redacted].
Mr. [redacted]'s account was sold on October 1, 2012 to [redacted]. The last month Mr. [redacted]'s account was reported to the bureaus by Fingerhut was December 2012. Fingerhut was not reporting to Experian at that time, so there is no trade line reflecting on Experian. An agent at Equifax confirmed that this account is also no longer reporting to Equifax.
The Trans Union trade line was updated on March 20, 2015 and is reporting accurately as Purchased by Another Lender with a balance of zero.
We cannot further revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]'s Welcome Packet. It states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well.
Mr. [redacted] has an account that was opened during 2014 that he is not disputing. Therefore, we are not providing information related to this account.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/lg
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
Full response attached. CONFIDENTIAL COMMUNICATION: Ms. [redacted] would like to be able to place another order on her FreshStart account, but this program only allows one order at a time, per the terms and conditions of the account. This is because this account is a closed-end loan, and not a revolving...
account. If Ms. [redacted] completes the FreshStart program successfully, she could graduate to a revolving account and be able to make multiple purchases as long as the account remained in good standing.
Upon receipt of the complaint, an acknowledgement email was sent to the customer on December **, 2017. The issue was referred to the appropriate department to review and investigate. Our records show an order was placed on line and a Service Order Confirmation was emailed to the customer showing the...
estimated monthly rate, the discounts, and expiration dates. After submitting the order, the customer took a screen shot of it before receiving the confirmation email which he sent to the representative. It was confirmed we received the email showing the monthly rate. We have a follow up to manually add the additional 12 months for 2019 in December 2018. An apology email was sent to the customer on January **, 2018, advising of the resolution.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
An Yvonne at the merchant attempted to call my home number twice and left extension [redacted], I tried this number back 7 times, this number has no voice mail, and at times, a fast busy signal. How is the merchant even able to resolve the issue at hand? I never received any e-mail from this individual or merchant, if I had an e-mail possibly the issue at hand can be resolved. I am ready to cancel my services without penalty.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Verizon’s Fiber Solutions Center reached the customer on7/*/15 and he stated that he was no longer having an issue with his FiOS VideoService and it was working to his satisfaction. Verizon reviewed the accountfor Video out of service credit which, in accordance with the tariff, isprovided based...
upon repair repots for out of service conditions for periods inexcess of 24 hours. The customer had two reports. The first was on 6/**/15 andwhen the tech had the customer reboot the router and the trouble was resolved.The second was on 6/**/15 for a fax issue that was resolved and not related tothe Video service.
The order number provided could not be found. We will need to speak with [redacted] in order to look further into this concern. Several attempts were made to reach the customer without success and a call me letter was mailed
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[You still did not address us being wrongfully billed in the amount of $327.39 from our previous ([redacted] address and it being turned over to [redacted]. I've called them as well as Verizon about clearing this up and it is still not resolved. I just received another notice to pay this balance that I do not owe. Verizon made the mistake of opening up another account at this address after we closed it out and moved...they apologized and said they would close it out but later we got a bill so Verizon never did close it or fix it.]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
Dylisia Sims
CONFIDENTIAL COMMUNICATION June 21, 2017 ...⇄ Better...
Business Bureau of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attached letter(s) of response as it exceeds the 2,000 max character count.
I am rejecting this response because:I have sent...
them everything they have requested I have sent them the information with the Chelan County Sheriff's Department that no report would be taken as the perk the package was not stolen from my porch the Box showed up empty untampered with until I opened it and found nothing in it I feel that I am getting the total run around I have ordered other major purchases from this company ordered a TV a laptop computer and had no problems with them now when I order the iPhone 6s and they're outside supplier in shipper is the one that did not place the item in the box when shipped I have sent all information for the Chelan County Sheriff's Department to them I have also showed sent them the information for the prosecuting attorney for Chelan County and also the Attorney General's Office of the State of Washington they need to investigate their supplier as their supplier is not supplying what they are supposed to be shipping I can guarantee you whoever packaged this box that the shipper will know who packaged it and I guarantee you that person most likely has my iPhone 6 in their back pocket in the meantime they are still making me pay for this phone even though I never received it and as far as my conversation with the people on their call in what they are stating is a bunch of Lies I called them four times and each time I was very rudely spoken to the last time I was told the blank F off and they hung up on me their customer service call bank is located in either India or Pakistan that's the only type of people that you could get the could not speak English early at all and they were very very rude all I know is I want my iPhone 6s that I ordered and that and that I have already paid $300 on while waiting for it to ride which I have not received and it looks like they're going to force me to pay the remaining balance or be turned over to collections I want my iPhone 6s that's all I'm asking for I'm not trying to rip anybody off I'm not trying to call a scam I want my product that I ordered and that I'm being forced to pay for it but they definitely need to investigate and contact their supplier that they use outside the company to supply the iPhone 6s and ship to their customers because there's their supplier is ripping not just me off the ripping the company offex
On December **, 2015, a technician dispatched regarding customer having Set Top Box issues in one room in the home. Our technician replaced the Optical Network Terminal (ONT). Several attempts were made to reach the customer without success and a call me letter was mailed.
Revdex.com:I have reviewed the...
response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because: They have contacted me directly by phone and to my knowledge, they are still investigating the case. I was told that someone will contact me again on this matter and I am still waiting for their response. Therefore, this case is STILL open and has not been resolved yet.
Sincerely,[redacted]
CONFIDENTIAL COMMUNICATION [redacted] Jessup, Pennsylvania 18434-1833 May 4,...
2017 Revdex.com Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: [redacted] ID # [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of [redacted] regarding a Haband order. Ms. [redacted] states that she purchased a pair of shoes on April 13, 2017 and she received a confirmation email that she would get tracking information once it was available. She is unable to view the order status online. She further states that she contacted Haband and has not received a response. Our records confirm that Ms. [redacted] placed an internet order on April 13, 2017 for a pair of Comfort-well® by Beacon® Stretch-n-Form Pumps for $21.99 and free shipping. The order was shipped on April 19, 2017 via UPS Sure Post with the tracking number [redacted] and was delivered by the local post office on April 25, 2017. The USPS tracking number is [redacted]. We received an email from Ms. [redacted] on Saturday, April 29, 2017 with a request to check the status of her order. Since our customer service department is closed on weekends, a response was sent to Ms. [redacted] on the next business day, Monday, May 1, 2017. I called Ms. [redacted] on May 4, 2017 and she was not available to take the call. I spoke with her daughter who answered the phone asked what the call was in regard to. She stated that she filed the complaint for Ms. [redacted] and that she received the order. If Ms. [redacted] has any further questions or concerns, she may contact Customer Service at ###-###-#### between 9 am- 9 pm (EST), Monday – Friday. Thank you for allowing us to explain. Sincerely, Lea [redacted] Haband Customer Service Bluestem Brands, Inc.
CONFIDENTIAL COMMUNICATION June 10, 2016 Revdex.com of Minnesota ...
...⇄ #[redacted] Attn: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account. Attached is a statement of account activity. Mr. [redacted] states payments are being made on time each month, but Fingerhut is not applying the payments to his account. Mr. [redacted] further states that after one of his payments was processed successfully, Fingerhut continued to run additional payments until his credit card locked up. Mr. [redacted] is requesting an investigation because Fingerhut is calling him in an attempt to collect payments. Mr. [redacted] states he can prove that payments have already been made. Based on our research, the balance on Mr. [redacted]’s account was zero when he placed an order on November 22, 2015. An additional order was placed on December 21, 2015 with the first payment of $46.99 being due on January 7, 2016. According to our records, Mr. [redacted] spoke with an agent on January 11, 2016 but declined to make a payment. Mr. [redacted] stated that someone else would be making a payment on his account. There is no record of any attempted payments being made on Mr. [redacted]’s bill until March 1, 2016 when a $40.00 payment was processed successfully online with an American Express debit card. On April 1, 2016, there were five attempts to process a payment online for $60.00, $60.00, $80.00, $180.00 and $186.00. Each of the five payment attempts were declined. Please note that when a payment declines, the cardholder will see a “Pending Authorization” on their card. This authorization will be removed and the funds are released back to the card after approximately two to five days. On May 24, 2016, Mr. [redacted] enrolled in a three-month payment plan. On June 5, 2016, the first of three $59.99 payments was processed successfully. The remaining two payments are scheduled to process on July 5, 2016 and August 5, 2016. After successful completion, Mr. [redacted]’s account will be brought current. As of June 10, 2016, Mr. [redacted]’s balance on his account is $959.70. Based on the call logs associated with Mr. [redacted]’s account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern Standard Time. Our records also indicate Fingerhut never attempted to contact Mr. [redacted] more than six times in a day while his account was in a delinquent status. If Mr. Reeder has further questions, he may contact our Billing Department at ###-###-####. Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/lg Enclosure
Initial Business Response /* (1000, 6, 2015/11/25) */
CONFIDENTIAL COMMUNICATION
November 25, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear...
Ms. [redacted],
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate on July 23, 2015 Ms. [redacted] purchased a Clean Spin Mop with Press Handle with a 1 Year Service Plan. On November 13, 2015 Ms. [redacted] requested the warranty information for the mop. On November 18, 2015 Ms. [redacted] informed us the product was broken. While customer satisfaction is very important to us, we do require returns to be made in accordance with our Return Policy, which states:
"We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 180 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are non refundable. Computers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers' warranty. Software and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only."
As stated above when Ms. [redacted] purchased the mop she also purchased a 1 Year Service Plan which begins on July 26, 2016. This Service Plan is though NEW (National Extended Warranty), she may contact them at [redacted]. Her warranty contract number is [redacted].
For all concerns with the product we recommend Ms. [redacted] contact the products manufacturer, Viatek Products, at [redacted].
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 8, 2015/11/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I contacted manufacturer already and had to leave a message n no response. the extended service plan company said they do not cover mops and I was sold a extended service plan errounsley. I placed the gentleman name in the original report.
I should ask finger hut for a refund on the extended warrant.
at this point I just want my mop exchanged with fingerhut. my 6.99 credited back.
If this can't get fixed I will take further and I would choose not to do business with them anymore
Final Business Response /* (4000, 10, 2015/12/07) */
CONFIDENTIAL COMMUNICATION
December 3, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
As we have previously stated, Ms. [redacted] will need to contact the manufacturer, Viatek Products, at [redacted] for all issues concerning the mop.
The warranty she purchased with her product begins on July 26, 2016 with NEW (National Extended Warranty). Until that date, Ms. [redacted] will need to contact Viatek Products.
We have provided Ms. [redacted] with all the information we have available. Fingerhut considers this matter closed.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
I am rejecting this response because:
I...
should not be penalized for the mistakes of their employees. Not only have they not issued credit as promised, they've also kept the items so I'm out the money and the products. This needs to be corrected. I have notified the attorney general of this issue as well.
CONFIDENTIAL COMMUNICATION May 25, 2017...
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attached letter of response as it exceeds the 2,000 max character count.
The customer was affected by a damaged outside line. A technician was dispatched on 12/**/16 and was able to restore the service. A credit in the amount $11.80 was issued on the account. We apologize for any inconvenience that this matter may have caused the customer.
I am rejecting this response because:
THE COMPANY WILL NOT REMOVE THE BILLING STATEMENT FROM PROFILE. THE COMPANY NEEDS TO CLOSE THIS PARTICULAR ACCOUNT.
Initial Business Response /* (1000, 8, 2016/02/29) */
CONFIDENTIAL COMMUNICATION
February 26, 2016
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]
Dear Ms....
[redacted],
I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Mr. [redacted]'s account indicates he purchased a Bissell PowerGlide Premiere Pet vacuum with a 2 Year Service Plan totaling $313.97 on October 5, 2014.
We received the return of the Bissell PowerGlide Premiere Pet Vacuum on January 16, 2015 with a reason of "Difficult to Assemble" and the account received credit for the merchandise price. However, the original shipping/handling is non-refundable on return merchandise, and a return postage fee was deducted from the credit because it was sent back to us for a "non-qualifying" return reason (An example of a "qualifying" reason would be in cases of a defect or damage not caused by the customer, which in most cases Fingerhut covers this cost.).
Fingerhut's Return Policy:
We will issue an exchange or refund for most items returned in new condition within 30 days (60 days for Fingerhut Choice Plus members) of receipt. No returns will be accepted after the home trial period without prior return authorization from Fingerhut. Returns accepted after the home trial period may result in prorated cash or credit adjustments based on the age and condition of the product. Returns will not be accepted for credit after 180 days. Other product concerns must be handled under the manufacturer's warranty. Shipping and handling charges are non-refundable. Return postage is the responsibility of the customer.
Music, movies video games and software must be returned unopened with the factory seal intact. Exchanges are permitted for identical product only. Computers, camcorders, digital cameras, electronic game systems, air conditioners, Holiday decorations, heaters and generators must be returned within the 30-day home trial period. Products sold in sets must be returned as sets; partial returns will not be accepted. Personalized Products, Made-To-Measure Window Treatments may only be returned for credit if they are damaged or defective. Exchanges are permitted for identical product only. Gift cards cannot be returned. Other restrictions may apply.
Our records indicate no payments were made and the subsequently the account was assessed with Late Fees and finance charges.
Our records indicate that due to severe delinquency, the WebBank/Fingerhut Advantage Credit Account charged off on June 20, 2015 with a balance of $199.20 and was then sold to [redacted] on June 30, 2015.
As a courtesy to Mr. [redacted] we will be purchasing the account back from [redacted] and closing it. Additionally, we will request that this be removed from Mr. [redacted]'s credit bureau report and advise that this may take up to 60 days to process.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
Initial Consumer Rebuttal /* (2000, 10, 2016/03/10) */
Initial Business Response /* (1000, 5, 2015/04/23) */
CONFIDENTIAL COMMUNICATION
April 22, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
I am writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account.
Mr. [redacted] states he has called and written Fingerhut, but they have failed to provide debt validation for his account ending in 8273. Mr. [redacted] would like the trade line removed from his credit report.
According to our records, on March 20, 2015, Mr. [redacted] spoke with a representative from Executive Care regarding his sold account. His complaint was that Trans Union was not reporting his old Fingerhut account with a zero balance even though it had been sold to [redacted] in October 2012.
An electronic update was sent to remove the balance that was reporting to Trans Union. (Ref #73925829) An account review on March 27, 2015, confirmed that Trans Union is now reporting Mr. [redacted]'s Fingerhut account accurately as "Purchased by Another Lender" with a balance of zero.
The WebBank/Fingerhut account ending in 8273 was opened on December 4, 2009 when an order was placed online for a Kodak 12MP Digital Camera Bundle . The name and address on the application is the same one Mr. [redacted] provided when contacting us regarding this issue.
Nine payments for a total of $266.99 were received from a checking account in the name of [redacted]. The account charged off with an unpaid balance of $767.45 on May 1, 2011. The account sold on October 1, 2012 to [redacted].
On July 15, 2014, Fingerhut approved a second application for credit from Mr. [redacted] and issued a new account number. Both trade lines are reporting accurately on Mr. [redacted]'s credit report.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]'s Welcome Packet. It states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well.
Thank you for the opportunity to explain.
Sincerely,
[redacted]
Executive Care Team
VF/lg
Initial Consumer Rebuttal /* (3000, 7, 2015/04/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They have never properly validated this account. I never opened an account with them on Dec 4 2009. I've asked for copies of any agreement signed by me authorizing this particular account. I did willingly open an account with fingerhut in 2014. This is the only account I've ever had with them. They refuse to provide proper documentation. When I found out about this erroneous tradeline I called March 20 2015 and spoke with a representative who informed me they would update the sold off account to 0 and then submit a request for removal of the tradeline from all there credit reporting agencies.Also I was unaware they were reporting a balance on an account they sold off years which damaged my credit rating. In fact when they sold the account they were supposed to, by law, update the tradeline to reflect a 0 balance. They never did this for 3 years! The conversation I had is a verbal contract by them to remove the erroneous tradeline from my credit reports. If this matter is not resolved to my satisfaction I will be forced to take legal action as well as notify the cfpb, attorney generals office and the ftc.
Final Consumer Response /* (3000, 13, 2015/05/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I advised the representative on March 20th that I did not recognize nor open an account in 2009. Also fingerhut was reporting a balance on the account which they did not legally own. By law they were to update the acct to reflect a 0 balance when the account was sold years ago. They failed to do so. My credit was ruined because of this. The representative stated that they would have the tradeline removed from my credit reports. I've sent two requests for validation and both were ignored. I'm seeking proof of ownership since I did not open this account in 2009. If this erroneous tradeline is not removed from my credit reports I will seek legal action against blue stream brands.
Final Business Response /* (4000, 18, 2015/05/21) */
CONFIDENTIAL COMMUNICATION
May 21, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to an additional inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account.
Mr. [redacted] states that he did not open an account with Fingerhut in 2009 and would like the trade lines deleted from his credit report.
As stated in our previous response, Mr. [redacted] contacted Fingerhut on March 20, 2015 inquiring about his Trans Union credit reporting. The representative Mr. [redacted] spoke with did not promise to delete the trade lines, only to correct the error on the Trans Union report. Mr. [redacted] inquired whether the agent could simply delete the trade line altogether, to which the agent replied that we are required to report accurate information, and therefore no deletion could occur. The call ended with no request for validation or any mention of fraud by Mr. [redacted].
Mr. [redacted]'s account was sold on October 1, 2012 to [redacted]. The last month Mr. [redacted]'s account was reported to the bureaus by Fingerhut was December 2012. Fingerhut was not reporting to Experian at that time, so there is no trade line reflecting on Experian. An agent at Equifax confirmed that this account is also no longer reporting to Equifax.
The Trans Union trade line was updated on March 20, 2015 and is reporting accurately as Purchased by Another Lender with a balance of zero.
We cannot further revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]'s Welcome Packet. It states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well.
Mr. [redacted] has an account that was opened during 2014 that he is not disputing. Therefore, we are not providing information related to this account.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/lg