Initial Business Response /* (1000, 5, 2015/06/05) */
CONFIDENTIAL COMMUNICATION
June 4, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, 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 FreshStart Credit Account.
Our investigation confirms that Ms. [redacted] placed an order on May 4, 2015 for Converse Unisex CT All Star Canvas Sneakers and K-Swiss Mens ST329 Crosstrainer Shoes. The required $30 down payment was successfully made on the same date with debit card ending '[redacted]'.
On May 6, 2015 a person identifying as a "family member" contacted us stating they were the owner of debit card ending '[redacted]' and did not authorize the $30 down payment. They indicated they would be contacting their bank to dispute the payment to reverse the transaction.
As a result, we did not release the order for shipping and referred the matter to our Credit Risk/Fraud Department for review. As part of their investigation, they called Ms. [redacted] on June 4, 2015; there was no answer but they left a message requesting a callback. Ms. [redacted] is asked to call them directly at [redacted], Monday through Friday 8 a.m. to 4:30 p.m. Central Time.
Our records show that the payment reversal was completed on May 19, 2015 and we are no longer in possession of these funds.
We appreciate Ms. [redacted]'s ongoing cooperation and assistance in resolving this matter.
Sincerely,
[redacted]
Executive Care Team
VF/ah
I am rejecting this response because:The item was returned and they are the administrators of their own systems. They can undo this intentional hit on my credit. I was not renting broken merchandise, yet they want me to pay some sort of a rental fee or fee for broken stuff. This is ridiculous. I know I will not do business with the con artists anymore. The ONLY reason I accepted an account with them was to rebuild my credit, and now they are ruining it for me because they wanted some money out of their overpriced broken piece of junk PC.This is terrible business and unprofessional.This PC was literally $200 more than EVERY other store not owned by Bluestem Group. I even asked them to drop the price a little for me. I didn't care to have the PC, then it came bent, dented, and scratched up. They are con artists who prey on people like me. I had to file bankruptcy due to divorce and an ex-wife who refused to assist me in paying bills, then she got child support even though we had 50/50 custody. In America, it doesn't matter what your reason is. I had to file bankruptcy and now I have to depend on installment loans, payday loans, fingerhut type companies, and high interest credit cards JUST to rebuild my credit. It gives the consumer absolutely NO power because businesses can behave like fingerhut. I made a poor choice in selecting them as a business I would work with, but forget that. I will only tarnish their name with the truth. They are a bunch of con-artists who take advantage of people.
The case was sent to the Verizon on Line (VOL) support team.A specialist attempted to reach the customer by telephone, but was not successful.On [redacted], he spoke with the customer and advised that his line tests are currently showing stable but that he did notice a lot of counts over 95%...
utilization on the OCD switch. A referreal was therefore sent to see if there is any possibility to switch the customer to another switch if possible or if there is any relief coming. On [redacted], a specialist followed-up and spoke with the customer. He explained that a project is currently underway to split the equipment and provide congestion relief which should be complete by December. The customer advised that he had not been notified about this directly. The specialist assured him again that this project is underway and also advised that his complaint has been documented in our records.
I am rejecting this response because: I did not receive the product, I told there customer service rep I would pay because I felt I had no other choice and I thought it eventually was a mistake they corrected since I did not receive anything besides phone calls about how to pay my bill. I moved from [redacted] in June of 2014. I did not receive any product in that time. Also, there were teenagers living on the second floor of [redacted] and could of been stolen by one of them , so if your tracking is saying it was delivered but I never received anything I'm supposed to pay this debt because you have confirmation that you dropped the TV off on a porch without having any proper signature confirming the delivery? I must have had to sign something for the delivery guy and I never spoke to one so I don't know how thats confirmed. I then didnt receive any Phone calls from them when I moved and my number never changed, again I thought it was settled due to no contact with me and never receiving the product. I only just found out when the case got moved to get handle by another party and then received and phone call and then reached out to Revdex.com.
Our billing rep spoke with the customer today. We explained all of our plans and unfortunately there is nothing lower available and no way to change the taxes. Case closed.
Upon receipt of the complaint, a message was left on the customer's answering machine on December **, 2016 with our contact information. The issue was referred to the appropriate department to review and investigate. The customer's service is associated with an outage that impacted all...
services (telephone, TV and Internet). It was reported on December ** and all services restored on December **. Our Construction Team repaired the underground cable which was damaged by a passing vehicle. On December **, our FiOS Solution Center representative spoke with the customer who confirmed all services are working. On December **, the account was credited for all services for the reported date of December ** to the restored date of December **. Upon review of the customer's account, there were multiple reported issues with the TV service primarily between the months of March through December which were restored in a timely manner. Two weeks credit was issued on December 16 for the previously reported issues which will appear on the next bill statement. On December **, a message was left with our contact information as a follow up.
CONFIDENTIAL COMMUNICATION November 28, 2016 Revdex.com of Minnesota ...
Attn: [redacted] 220 S. River Ridge Cir. 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 Mr. [redacted]. As an assurance to Mr. [redacted], he has now been added to our Do Not Solicit list. As our contact lists are prepared several weeks in advance, it may take up to four to six weeks for the solicitations to completely stop. Mr. [redacted] will cease to be contacted in any way by our company. We apologize for any inconvenience. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/ah
[redacted] confirmed that his phone and DSL services are working as of 7/**/2016. Verizon regrets the inconvenience this issue has caused. An adjustment from time out of service from 7/**/16 - 7/**/16 will be applied to the account.
Dear Mediator, Upon receipt of this complaint, Verizon referred this matter to our Technical Support department. According to our records, [redacted] expressed concern about the inability to use the phone number ###-###-#### under Verizon’s service. [redacted] also expressed...
concern about very slow internet speeds. Upon review, Verizon noted the phone number ###-###-#### shows as active under Mr. [redacted] Verizon profile. Unfortunately, [redacted] states he still does not have access to this phone number. Verizon advised we would like to troubleshoot and send a technician to his location at his earliest convenience. Our last communication with [redacted] was on 05/**/17 when he advised he could not select a concrete date in which he would be available for our technicians. [redacted] will call us when ready so that we can repair his services. Verizon will continue to await his call and looks forward to caring for his issues through completion. Subsequently, once we have determined and cared for his issues, Verizon will issue out of service credits based on the time his services were out. Furthermore, I have left my number with [redacted] should he have any additional questions or concerns.
After reviewing Verizon's response I have found the following to be inaccurate. First, there was no attempt to contact me at a number ending in [redacted] which is the only number ever placed on file by me or a family member for this account. Instead they called my wife at her number ending in [redacted] five different times. She advised them to contact me at [redacted], which has always been the only number on file. She did verbally provide this number to them but no contact attempt was made. Furthermore, no attempt by letter or email has been attempted to resolve this contact issue or my complaint against them. Furthermore, the billing statements are electronic and customers can pay their bill without viewing the electronic statement. With that in mind, it is obvious that some customers, such as myself, would not receive special notices via billing statements since statements are not viewed. Customers, such as myself, expect to see their bills categorized on billing statements and do not expect to see changes in service in billing statements. Billing statements are titled as such because they should be specifically for categorized billing, not important changes to a customer's account. That being said, a letter should have been mailed to me with such a notification. Moreover, there was no notification via email or postage letter with the change of service, except a notice on their website which was posted after my initial complaint to Verizon about this additional charge. I know it was after because I checked my messages beforehand and my inbox on Verizon's website was empty, but after I contacted customer support and the issues arose of my statement being changed, I immediately logged back in the website and the message was posted after my complaint. Third, my original billing statement did not have the additional $7.00 on it, but when I attempted to pay my bill the $7.00 was attached. This was an obvious discrepancy so I contact customer support online. They advised me that I was wrong so I typed the categorized billing statement to them and thus showed them that the additional $7.00 was absent. After this was when I was kicked off the website and when I logged back in my statement had been changed. I was not kicked off due to an error on my computer because the other websites I had open still worked and I was not booted off of them, but only Verizon’s website. Seeing that by Verizon's own statement that there is no contract to service there must equally be an absence of contract for payment. Therefore, I decline to pay the extra money to Verizon. I have received a final bill from Verizon for a total of $64.35, which seems to have been prorated for my canceling of Verizon's services but not for the additional charge placed on the account. I desire that Verizon send a reimbursement check of a minimal $7.00 in U.S. currency to my physical residential address since this service increase was never agreed upon, verbally or in writing, between Verizon and myself.
Records indicate Ms. [redacted] purchased a HP Stream 11.6" HD 4GB Windows 10 Laptop Computer on February 3, 2017. On April 3, 2017 Ms. [redacted] contacted Fingerhut stating she would like to return the merchandise. Due to the length of time that has passed since the purchase date Fingerhut would unable...
to accept the return as they require returns to be made in accordance with their return policy. We encourage Ms. [redacted] to contact the manufacturer, HP, at ###-###-####, for assistance with the product.
A Verizon customer service representative discussed the issue with [redacted]. On 4/**/15, a credit totaling $38.99 was issued to the account for service outage. [redacted] confirmed his service is working. The experienced shared by [redacted] has...
been documented and forwarded to the appropriate Management Team for further review. We apologize for the inconvenience the [redacted] experienced as a result of this matter.
A Verizon representative spoke with [redacted] on 4/**/17. The representative found that the online system was showing the rate of $79.99 per month instead of the advertised rate of $39.99. The representative was able to place the order and add exceptions so that [redacted] will receive the ordered...
internet service at the $39.99 per month rate plus tax/fees.
I am rejecting this response because:I had never received a letter of affidavit from them. Also they claim that they have never received a letter from me disputing the account and the charges, I even faxed it to the company. It was not until March 20, 2017 that I spoke with a lady in their fraud department that she emailed me an MNR affidavit. Every time I call I am transferred to different departments with no resolution in sight.
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. Thank you, Analisa, you were fantastic and I couldn't have gotten the proper resolution without you.
Sincerely,
[redacted]
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:
I am missing payments to my landline. I am getting a run around each person I speak to gives me another number to call. Now I am back at the beginning. At one point my phone was shut off but I have proof the payments were made and received. I need someone to find my money!!!!!! According to my records I am over paid 318.02. I just spoke to someone and they hung up on me!!!!I would like Verizon to find these payments and refund me
Initial Business Response /* (1000, 5, 2015/10/20) */
CONFIDENTIAL COMMUNICATION
October 19, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted] Jr, [redacted]
Dear Ms....
[redacted],
I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] Jr. regarding a WebBank/Fingerhut Advantage Credit Account.
Per the Account Terms and Conditions to which Mr. [redacted] has agreed, "We may increase or reduce your credit limit, or suspend or terminate your Account at any time without cause. We will provide notice to you to the extent applicable by law." Any reduction, increase, or other change to the account's credit limit is the result of ongoing systematic monitoring of the account activity data. This information may pertain to the customer's Fingerhut Account as well as their credit history as a whole.
Customers who show an overall strong performance with respect to credit may notice their Fingerhut Account has been given a credit line increase, either temporary or permanent. By placing an order or orders on their credit account during the time their temporary increase is in effect, the customer's regular credit limit is given a permanent increase matching the amount of the order(s), to a round dollar figure. If no orders are place within the applicable time frame, the temporary increase expires and the regular credit limit is restored.
In regards to Mr. [redacted]'s concern that the credit increases may lower his credit score, unfortunately, credit reporting agencies do not reveal the exact details and inner-workings of their scoring systems. What is known are the basic components and attributes of a credit file that are influential determinants of the overall credit rating. If our temporary credit increase would have any impact in this regard, it would be in relation to the "credit utilization" (also known as debt-to-credit-limit ratio), which is the percentage of available credit that has been borrowed.
While we feel this process does not have any long-term, unreasonable impact on our customers' credit ratings, we respect and accommodate customer requests to opt out of credit increases.
Our records indicate that Mr. [redacted]'s credit was increased to $2000.00 on June 3, 2015. On August 17, 2015 Mr. [redacted] requested to opt out of temporary credit line increases. This request could not be processed as Fingerhut requires customer's specify both temporary and permanent increases be frozen.
After another account review, Mr. [redacted] was given an additional temporary increase on September 3, 2015. Mr. [redacted] notified Fingerhut on September 10, 2015 that he no longer wanted any credit increases on the account. This request was processed on September 23, 2015 and his credit limit was frozen at $2000.00.
Per Mr. [redacted]'s request, his WebBank/Fingerhut Advantage Credit Account was closed on September 27, 2015.
We trust this explanation will meet Mr. [redacted]'s expectations, and would like to apologize for any confusion this may have caused him.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
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:
I still need Verizon to confirm that the services have been "bundled" together as originally requested and NOT "Split Billed".And we need Verizon to advice the current credit amount on my account which includes any payments that we have previously made.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATION July 15, 2016 #[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 further inquiry we received from your office on behalf of Ms. [redacted]. As an assurance to Ms. [redacted], although it may appear we are reporting two separate accounts, it really is just a continuation of the same account with the same account number. WebBank, as the bank issuer of all Fingerhut credit accounts, will appear alongside Fingerhut on the label of the account trade-line. Typically, it is labeled and appears on the credit report as “Fingerhut/WebBank” or WebBank/Fingerhut.” Our records indicate we received Ms. [redacted]’s completed fraud affidavit on July 8, 2016 and forwarded it to the Credit Risk Department for review at that time. On the same date, they finalized the investigation, approved Ms. [redacted]’s claim, closed the account for fraud, and sent requests for removal of the trade-line from all credit bureaus where it appeared. Ms. [redacted] should allow 30 to 60 days from this response for the updates to process and reflect on her credit files. Thank you for this opportunity to explain. Sincerely, Vi [redacted] Executive Care TeamVF/ah
Initial Business Response /* (1000, 5, 2015/06/05) */
CONFIDENTIAL COMMUNICATION
June 4, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, 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 FreshStart Credit Account.
Our investigation confirms that Ms. [redacted] placed an order on May 4, 2015 for Converse Unisex CT All Star Canvas Sneakers and K-Swiss Mens ST329 Crosstrainer Shoes. The required $30 down payment was successfully made on the same date with debit card ending '[redacted]'.
On May 6, 2015 a person identifying as a "family member" contacted us stating they were the owner of debit card ending '[redacted]' and did not authorize the $30 down payment. They indicated they would be contacting their bank to dispute the payment to reverse the transaction.
As a result, we did not release the order for shipping and referred the matter to our Credit Risk/Fraud Department for review. As part of their investigation, they called Ms. [redacted] on June 4, 2015; there was no answer but they left a message requesting a callback. Ms. [redacted] is asked to call them directly at [redacted], Monday through Friday 8 a.m. to 4:30 p.m. Central Time.
Our records show that the payment reversal was completed on May 19, 2015 and we are no longer in possession of these funds.
We appreciate Ms. [redacted]'s ongoing cooperation and assistance in resolving this matter.
Sincerely,
[redacted]
Executive Care Team
VF/ah
I am rejecting this response because:The item was returned and they are the administrators of their own systems. They can undo this intentional hit on my credit. I was not renting broken merchandise, yet they want me to pay some sort of a rental fee or fee for broken stuff. This is ridiculous. I know I will not do business with the con artists anymore. The ONLY reason I accepted an account with them was to rebuild my credit, and now they are ruining it for me because they wanted some money out of their overpriced broken piece of junk PC.This is terrible business and unprofessional.This PC was literally $200 more than EVERY other store not owned by Bluestem Group. I even asked them to drop the price a little for me. I didn't care to have the PC, then it came bent, dented, and scratched up. They are con artists who prey on people like me. I had to file bankruptcy due to divorce and an ex-wife who refused to assist me in paying bills, then she got child support even though we had 50/50 custody. In America, it doesn't matter what your reason is. I had to file bankruptcy and now I have to depend on installment loans, payday loans, fingerhut type companies, and high interest credit cards JUST to rebuild my credit. It gives the consumer absolutely NO power because businesses can behave like fingerhut. I made a poor choice in selecting them as a business I would work with, but forget that. I will only tarnish their name with the truth. They are a bunch of con-artists who take advantage of people.
The case was sent to the Verizon on Line (VOL) support team.A specialist attempted to reach the customer by telephone, but was not successful.On [redacted], he spoke with the customer and advised that his line tests are currently showing stable but that he did notice a lot of counts over 95%...
utilization on the OCD switch. A referreal was therefore sent to see if there is any possibility to switch the customer to another switch if possible or if there is any relief coming. On [redacted], a specialist followed-up and spoke with the customer. He explained that a project is currently underway to split the equipment and provide congestion relief which should be complete by December. The customer advised that he had not been notified about this directly. The specialist assured him again that this project is underway and also advised that his complaint has been documented in our records.
I am rejecting this response because: I did not receive the product, I told there customer service rep I would pay because I felt I had no other choice and I thought it eventually was a mistake they corrected since I did not receive anything besides phone calls about how to pay my bill. I moved from [redacted] in June of 2014. I did not receive any product in that time. Also, there were teenagers living on the second floor of [redacted] and could of been stolen by one of them , so if your tracking is saying it was delivered but I never received anything I'm supposed to pay this debt because you have confirmation that you dropped the TV off on a porch without having any proper signature confirming the delivery? I must have had to sign something for the delivery guy and I never spoke to one so I don't know how thats confirmed. I then didnt receive any Phone calls from them when I moved and my number never changed, again I thought it was settled due to no contact with me and never receiving the product. I only just found out when the case got moved to get handle by another party and then received and phone call and then reached out to Revdex.com.
Our billing rep spoke with the customer today. We explained all of our plans and unfortunately there is nothing lower available and no way to change the taxes. Case closed.
Upon receipt of the complaint, a message was left on the customer's answering machine on December **, 2016 with our contact information. The issue was referred to the appropriate department to review and investigate. The customer's service is associated with an outage that impacted all...
services (telephone, TV and Internet). It was reported on December ** and all services restored on December **. Our Construction Team repaired the underground cable which was damaged by a passing vehicle. On December **, our FiOS Solution Center representative spoke with the customer who confirmed all services are working. On December **, the account was credited for all services for the reported date of December ** to the restored date of December **. Upon review of the customer's account, there were multiple reported issues with the TV service primarily between the months of March through December which were restored in a timely manner. Two weeks credit was issued on December 16 for the previously reported issues which will appear on the next bill statement. On December **, a message was left with our contact information as a follow up.
CONFIDENTIAL COMMUNICATION November 28, 2016 Revdex.com of Minnesota ...
Attn: [redacted] 220 S. River Ridge Cir. 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 Mr. [redacted]. As an assurance to Mr. [redacted], he has now been added to our Do Not Solicit list. As our contact lists are prepared several weeks in advance, it may take up to four to six weeks for the solicitations to completely stop. Mr. [redacted] will cease to be contacted in any way by our company. We apologize for any inconvenience. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/ah
[redacted] confirmed that his phone and DSL services are working as of 7/**/2016. Verizon regrets the inconvenience this issue has caused. An adjustment from time out of service from 7/**/16 - 7/**/16 will be applied to the account.
Dear Mediator, Upon receipt of this complaint, Verizon referred this matter to our Technical Support department. According to our records, [redacted] expressed concern about the inability to use the phone number ###-###-#### under Verizon’s service. [redacted] also expressed...
concern about very slow internet speeds. Upon review, Verizon noted the phone number ###-###-#### shows as active under Mr. [redacted] Verizon profile. Unfortunately, [redacted] states he still does not have access to this phone number. Verizon advised we would like to troubleshoot and send a technician to his location at his earliest convenience. Our last communication with [redacted] was on 05/**/17 when he advised he could not select a concrete date in which he would be available for our technicians. [redacted] will call us when ready so that we can repair his services. Verizon will continue to await his call and looks forward to caring for his issues through completion. Subsequently, once we have determined and cared for his issues, Verizon will issue out of service credits based on the time his services were out. Furthermore, I have left my number with [redacted] should he have any additional questions or concerns.
After reviewing Verizon's response I have found the following to be inaccurate. First, there was no attempt to contact me at a number ending in [redacted] which is the only number ever placed on file by me or a family member for this account. Instead they called my wife at her number ending in [redacted] five different times. She advised them to contact me at [redacted], which has always been the only number on file. She did verbally provide this number to them but no contact attempt was made. Furthermore, no attempt by letter or email has been attempted to resolve this contact issue or my complaint against them. Furthermore, the billing statements are electronic and customers can pay their bill without viewing the electronic statement. With that in mind, it is obvious that some customers, such as myself, would not receive special notices via billing statements since statements are not viewed. Customers, such as myself, expect to see their bills categorized on billing statements and do not expect to see changes in service in billing statements. Billing statements are titled as such because they should be specifically for categorized billing, not important changes to a customer's account. That being said, a letter should have been mailed to me with such a notification. Moreover, there was no notification via email or postage letter with the change of service, except a notice on their website which was posted after my initial complaint to Verizon about this additional charge. I know it was after because I checked my messages beforehand and my inbox on Verizon's website was empty, but after I contacted customer support and the issues arose of my statement being changed, I immediately logged back in the website and the message was posted after my complaint. Third, my original billing statement did not have the additional $7.00 on it, but when I attempted to pay my bill the $7.00 was attached. This was an obvious discrepancy so I contact customer support online. They advised me that I was wrong so I typed the categorized billing statement to them and thus showed them that the additional $7.00 was absent. After this was when I was kicked off the website and when I logged back in my statement had been changed. I was not kicked off due to an error on my computer because the other websites I had open still worked and I was not booted off of them, but only Verizon’s website. Seeing that by Verizon's own statement that there is no contract to service there must equally be an absence of contract for payment. Therefore, I decline to pay the extra money to Verizon. I have received a final bill from Verizon for a total of $64.35, which seems to have been prorated for my canceling of Verizon's services but not for the additional charge placed on the account. I desire that Verizon send a reimbursement check of a minimal $7.00 in U.S. currency to my physical residential address since this service increase was never agreed upon, verbally or in writing, between Verizon and myself.
Records indicate Ms. [redacted] purchased a HP Stream 11.6" HD 4GB Windows 10 Laptop Computer on February 3, 2017. On April 3, 2017 Ms. [redacted] contacted Fingerhut stating she would like to return the merchandise. Due to the length of time that has passed since the purchase date Fingerhut would unable...
to accept the return as they require returns to be made in accordance with their return policy. We encourage Ms. [redacted] to contact the manufacturer, HP, at ###-###-####, for assistance with the product.
A Verizon customer service representative discussed the issue with [redacted]. On 4/**/15, a credit totaling $38.99 was issued to the account for service outage. [redacted] confirmed his service is working. The experienced shared by [redacted] has...
been documented and forwarded to the appropriate Management Team for further review. We apologize for the inconvenience the [redacted] experienced as a result of this matter.
A Verizon representative spoke with [redacted] on 4/**/17. The representative found that the online system was showing the rate of $79.99 per month instead of the advertised rate of $39.99. The representative was able to place the order and add exceptions so that [redacted] will receive the ordered...
internet service at the $39.99 per month rate plus tax/fees.
I am rejecting this response because:I had never received a letter of affidavit from them. Also they claim that they have never received a letter from me disputing the account and the charges, I even faxed it to the company. It was not until March 20, 2017 that I spoke with a lady in their fraud department that she emailed me an MNR affidavit. Every time I call I am transferred to different departments with no resolution in sight.
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. Thank you, Analisa, you were fantastic and I couldn't have gotten the proper resolution without you.
Sincerely,
[redacted]
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:
I am missing payments to my landline. I am getting a run around each person I speak to gives me another number to call. Now I am back at the beginning. At one point my phone was shut off but I have proof the payments were made and received. I need someone to find my money!!!!!! According to my records I am over paid 318.02. I just spoke to someone and they hung up on me!!!!I would like Verizon to find these payments and refund me
Sincerely,
[redacted]
Initial Business Response /* (1000, 5, 2015/10/20) */
CONFIDENTIAL COMMUNICATION
October 19, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted] Jr, [redacted]
Dear Ms....
[redacted],
I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] Jr. regarding a WebBank/Fingerhut Advantage Credit Account.
Per the Account Terms and Conditions to which Mr. [redacted] has agreed, "We may increase or reduce your credit limit, or suspend or terminate your Account at any time without cause. We will provide notice to you to the extent applicable by law." Any reduction, increase, or other change to the account's credit limit is the result of ongoing systematic monitoring of the account activity data. This information may pertain to the customer's Fingerhut Account as well as their credit history as a whole.
Customers who show an overall strong performance with respect to credit may notice their Fingerhut Account has been given a credit line increase, either temporary or permanent. By placing an order or orders on their credit account during the time their temporary increase is in effect, the customer's regular credit limit is given a permanent increase matching the amount of the order(s), to a round dollar figure. If no orders are place within the applicable time frame, the temporary increase expires and the regular credit limit is restored.
In regards to Mr. [redacted]'s concern that the credit increases may lower his credit score, unfortunately, credit reporting agencies do not reveal the exact details and inner-workings of their scoring systems. What is known are the basic components and attributes of a credit file that are influential determinants of the overall credit rating. If our temporary credit increase would have any impact in this regard, it would be in relation to the "credit utilization" (also known as debt-to-credit-limit ratio), which is the percentage of available credit that has been borrowed.
While we feel this process does not have any long-term, unreasonable impact on our customers' credit ratings, we respect and accommodate customer requests to opt out of credit increases.
Our records indicate that Mr. [redacted]'s credit was increased to $2000.00 on June 3, 2015. On August 17, 2015 Mr. [redacted] requested to opt out of temporary credit line increases. This request could not be processed as Fingerhut requires customer's specify both temporary and permanent increases be frozen.
After another account review, Mr. [redacted] was given an additional temporary increase on September 3, 2015. Mr. [redacted] notified Fingerhut on September 10, 2015 that he no longer wanted any credit increases on the account. This request was processed on September 23, 2015 and his credit limit was frozen at $2000.00.
Per Mr. [redacted]'s request, his WebBank/Fingerhut Advantage Credit Account was closed on September 27, 2015.
We trust this explanation will meet Mr. [redacted]'s expectations, and would like to apologize for any confusion this may have caused him.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
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:
I still need Verizon to confirm that the services have been "bundled" together as originally requested and NOT "Split Billed".And we need Verizon to advice the current credit amount on my account which includes any payments that we have previously made.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Our previous resolution remains unchanged and is final.
CONFIDENTIAL COMMUNICATION July 15, 2016 #[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 further inquiry we received from your office on behalf of Ms. [redacted]. As an assurance to Ms. [redacted], although it may appear we are reporting two separate accounts, it really is just a continuation of the same account with the same account number. WebBank, as the bank issuer of all Fingerhut credit accounts, will appear alongside Fingerhut on the label of the account trade-line. Typically, it is labeled and appears on the credit report as “Fingerhut/WebBank” or WebBank/Fingerhut.” Our records indicate we received Ms. [redacted]’s completed fraud affidavit on July 8, 2016 and forwarded it to the Credit Risk Department for review at that time. On the same date, they finalized the investigation, approved Ms. [redacted]’s claim, closed the account for fraud, and sent requests for removal of the trade-line from all credit bureaus where it appeared. Ms. [redacted] should allow 30 to 60 days from this response for the updates to process and reflect on her credit files. Thank you for this opportunity to explain. Sincerely, Vi [redacted] Executive Care TeamVF/ah