I am rejecting this response because:They have not substantiated anything. Anyone can open an account online. Jefferson Capital (whom they supposedly sold the account to) cannot substantiate the account either.I will be filing a lawsuit.
CONFIDENTIAL COMMUNICATION August 24, 2016 Revdex.com of Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], I am writing in response to an additional inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account. Ms. [redacted] states her Fingerhut account was sold to [redacted] and [redacted] has issued documentation that the balance has been paid full. Ms. [redacted] is requesting that Fingerhut, as the original creditor, should make the corrections to her credit report that she is requesting or take their name off her account. As stated in our previous response, Ms. [redacted] opened a Fingerhut account on May 5, 2014. Three orders were placed on May 5, 2014, May 14, 2014 and May 19, 2014. Fingerhut did not receive any payments for the three orders placed on Ms. [redacted]’s account. On December 12, 2014, the account charged off with an unpaid balance of $456.23 and Fingerhut ceased collections. Ms. [redacted]’s account was sold to [redacted] on January 15, 2015. On January 15, 2015, Fingerhut reported Ms. [redacted]’s account to the credit bureaus as Purchased by Another Lender with a balance and past due of $0.00. Since that date, Fingerhut is no longer sending monthly reporting to the credit bureaus because Fingerhut no longer owns Ms. [redacted]’s account. According to an account review on August 9, 2016, Equifax and Experian are reporting Ms. [redacted]’s account accurately as Purchased by Another Lender or Transfer/Sold with a balance and past due of zero. A representative at Trans Union confirmed that they have deleted the Fingerhut trade line. 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 Ms. [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. If Ms. [redacted] has further questions regarding her account, [redacted] can be reached directly at ###-###-####. Thank you for allowing us to assist and explain. Sincerely, Kari [redacted] Executive Care Team KD/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. I would like to thank the lady in the corporate office for her quick action on this matter.
Sincerely,
[redacted]
Please be advised, Verizon has made multiple attempts to speak with the consumer since receiving the rebuttal complaint. Voicemail messages have been left on both the home telephone number and the can be reached number provided. An email was also forwarded to the consumer advising of our attempts to speak with him and also requesting that the consumer provide a good time of day in which we can contact him to discuss the matter thoroughly. To date, Verizon has not received a response from the consumer.
Initial Business Response /* (1000, 8, 2015/05/26) */
CONFIDENTIAL COMMUNICATION
May 22, 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 Advantage Credit Account.
Ms. [redacted] is a valued customer, and we regret any difficulty she experienced as a result of the changes made to her credit line. As a reminder, there is a section of the credit account Agreement covering this issue, found under the title "Available Credit." It states, in part, "We may increase or reduce your credit limit, or suspend or terminate your Account, at any time with or without cause. We will provide notice to you to the extent required by applicable law."
Any reduction, increase or other change to a line of credit is the result of ongoing, systematic monitoring of account activity data. This information can pertain to the Fingerhut Account but also the customer's credit history as a whole.
Strong performing accounts may be issued a credit line increase, either temporary or permanent. If purchases are made to the account while a temporary increase is in effect, the regular limit receives a permanent increase equal to the combined total of the purchases. If no purchases are made, the temporary increase expires and the regular limit is restored.
We are aware of Ms. [redacted]'s concern of the potential impact this process could have on her credit rating. Unfortunately, credit reporting agencies do not reveal how, specifically, their scoring systems function. While we feel our processes associated with credit line changes do not have a long-term or unreasonable impact on credit ratings, we will accommodate requests to opt out of them.
If Ms. [redacted] chooses to opt out of receiving temporary credit line increases, it will also disqualify her from being issued permanent increases. We apologize, but at this time we do not have the option to allow one but not the other.
To opt out, Ms. [redacted] may contact our Customer Service Department at [redacted], Monday through Friday, 8 a.m. to 8 p.m. Central Time. Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (2000, 10, 2015/05/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)
2016 ...⇄ Revdex.com of Minnesota �...⇄ #[redacted] 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 Mr. [redacted] regarding a WebBank/Gettington Credit Account. Mr. [redacted] states that he recently found out about this Gettington account in his name. He believes someone used his address and social security number to open this account. He asserts that one of our representatives gave him the name of this person, and that he does not know this person. He also claims that he has tried calling us by leaving several voicemails, but we have not returned his calls. Mr. [redacted] is pursuing to confirm this fraudulent account is closed and that there have not been any further purchases. He requests a correction on his credit report. Our records indicate on August 26, 2015 an account was applied for using Mr. [redacted]’s personal information via the web and on that same day an order was placed for a Fisher Price Octonauts Barnacles’ Booster Jet Pack. This item was to be shipped to 3501 Demorest Rd. Grove City, OH 43123.This item was delivered via UPS (surepost) at 9:43 AM on September 2, 2015 using the tracking number [redacted]. On February 10, 2016 we sent Mr. [redacted] an affidavit for the unordered merchandise. We have not yet received the affidavit back from him. We attempted to call Mr. [redacted] (at ####-###-####) on February 26, 2016 and again on April 11, 2016 in response to voicemails he had left for us. We left messages on both occasions. Unauthorized account registration and activity is a serious matter, and we have certain procedures in place to assist those making this claim. As Mr. [redacted] denies authorizing the account matching his personally identifiable information, we referred this matter to our Fraud Department. They have instructed that a police report, as well as the returned affidavit, is required to complete the investigation. As we understand the urgency of the situation, Mr. [redacted] may expedite this process by faxing the required affidavit and police report to ###-###-#### Attn: Executive Care Team/Jessica or mail the documents to [redacted] St. Cloud, MN 56303. If Mr. [redacted] is unable to provide a police report, he may supply the name of the agency, officer’s name, badge number, and the case number. Once received, we will be able to further investigate his claim. If Mr. [redacted] has any questions regarding this process, he may contact our Fraud Department at ###-###-####, Monday through Friday between 8:00am and 4:30pm CST. Mr. [redacted]’s account has been marked with a verification hold, which will prevent further purchases on the account until the issue is resolved. Once the affidavit and police report are received, we would be able to close the account for fraud, and send a request to remove any inquiries or trades from his credit bureau report. A letter will be sent to Mr. [redacted] at that time notifying him of the actions taken. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/jm
Initial Business Response /* (1000, 5, 2015/10/21) */
CONFIDENTIAL COMMUNICATION
October 16, 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.
Ms. [redacted] states that she received the Apple iPad Air 2 16 GB with no shrink-wrap, a shattered screen and no accessories. We sincerely apologize that the merchandise arrived in this condition.
We are unable to send Ms. [redacted] the new iPad until we have received the damaged one as a return. We have sent her a prepaid label to return the iPad, which may take 7 to 10 days to receive. Once Ms. [redacted] has returned the iPad, she should allow 10 days for us to receive and process the return. Once the return is received, a replacement will be sent to her.
We at Fingerhut always strive for an exceptional customer experience in all interactions with our customers, and we sincerely apologize for the poor customer service she experienced.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
Initial Consumer Rebuttal /* (3000, 7, 2015/10/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I cannot wait that long. I need a new one that I purchased before I can return the old unit
Final Consumer Response /* (3000, 11, 2015/10/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Will not return unless replacement is sent
Final Business Response /* (4000, 9, 2015/10/29) */
CONFIDENTIAL COMMUNICATION
October 29, 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 further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
We understand that Mr. [redacted] would like to reorder a new iPad before returning the defective one. However, this would bring his account beyond his available credit limit and may cause negative credit reporting, as a result. For this reason, we need him to return the iPad to us. Once the return is processed, we can resend another to him.
Having provided Mr. [redacted] with all information available to us, we are now considering this matter closed.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
The customer rebundled their package in September 2013 and there was a $5.00 bundle discount for 24 months. The representative included a $20.00 discount from the previous contract which was due to expire in October 2013. The representative issued one time credits of $497.98...
which includes tax for the $20.00 discount for the 24 months and $83.56 including tax for credits totaling $581.54.
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. This is resolved as long as Verizon waives installation fees as noted in this claim. Thank you for your help.
Sincerely,
[redacted]
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]
Upon receipt of the complaint filed Verizon reviewed the consumer’s account. The consumer expressed concern regarding the date their Verizon account was cancelled and how it will impact their Verizon bill. The consumer advised they contacted Verizon on 8/*/17 to disconnect their...
service. The disconnect order completed on 8/*/17. On 8/**/17 Verizon contacted the consumer to address their concerns, we advised we will follow-up with the 9/*/17 billing statement and make an adjustment to bring the account balance to zero. The consumer is satisfied and has our contact information should they have any further concerns.
2016 ...⇄ # [redacted]Revdex.com of MinnesotaAttn: [redacted]220 S River Ridge CircleBurnsville, MN 55337Re: Case # [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 Ms. [redacted] had a recurring payment schedule for $154.00 that she set up through our website in September 2015. On January 4, 2016 she cancelled the recurring payment schedule online.In order for us to cancel a recurring payment schedule, the cancellation request must be received at least 24 hours prior to the payment schedule date. Unfortunately, Ms. [redacted] did not allow the designated time frame and the payment was processed. When Ms. [redacted] requested a stop payment on the payment for $154.00 through her bank, the payment was returned to us and her account was charged a returned check charge of $27.00. As a courtesy, we have credited the returned check charge of $27.00. Ms. [redacted] will see the credit reflected on her monthly billing statement within one to two billing cycles.Ms. [redacted] set up a new recurring payment schedule on January 4, 2016 for the minimum payment due of $155.93 beginning on January 5, 2016. On February 3, 2016 she cancelled the minimum payment schedule and reset up another recurring payment for $144.00 to be paid on the 5th of every month. The minimum payment due according to Ms. [redacted]’s statement which cycled on February 9, 2016 was $148.66. The payment we received on March 5, 2016 was $144.00 which did not cover the minimum payment due. As a result, a late fee of $27.00 was assessed to Ms. [redacted]’s account per the terms and conditions she agreed to at the time she opened her account. Since the payment we received did not meet the minimum due requirement the late fee will not be credited.On February 22, 2016, Ms. [redacted] placed an order by phone for a Werner 24’ Extension Ladder which totaled $399.99. This order appeared on Ms. [redacted]’s March 9, 2016 billing statement and according to our records, no catalog number or promotion code was provided for the deferred payment offer on this order. If Ms. [redacted] has the promotion code or catalog number for the deferred payment offer, she may contact our Customer Service Department at ###-###-#### to provide the deferral information for this order.Another order was placed on February 26, 2016 for a Cuisinart 12-Cup Programmable Coffeemaker which totaled $102.98 and is also reflected on Ms. [redacted]’s March 9, 2016 billing statement. The minimum payment due on Ms. [redacted]’s account is $170.96 and is reflected on her monthly billing statement.Thank you for allowing us to assist and explain.Sincerely,Vi [redacted]Executive Care TeamVF/bw �...⇄ [redacted]
Please be advised a Verizon Billing Specialist spoke to [redacted] on October **, 2015 to review the account. [redacted] was disputing the pro-rated charges on the account because she was told the bill would only be the $109.99 for the increase in TV package and not told the next bill...
would contain prorated charges. As a good will gesture we issued a credit for the prorated amount and that will be deduced from the next statement because she has already paid the bill. We trust this provides your office with the information required in this matter. Thank you, Ms. M[redacted] Sr. Analyst Verizon Executive Relations
Initial Business Response /* (1000, 10, 2015/05/19) */
CONFIDENTIAL COMMUNICATION
May 19, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
I am writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account.
Ms. [redacted] states she was experiencing a financial hardship in 2014 and was told she was eligible for SafeLine. Ms. [redacted] said she "entered into an agreement" and paid her account in full in January 2015. Ms. [redacted] also states that she has not received any response from Fingerhut to the emails and letters she has sent regarding her account. Though Ms. [redacted] recognizes her credit report is reporting accurately, she is requesting that Fingerhut remove a ninety day delinquency as a gesture of goodwill.
After a thorough review Ms. [redacted]'s account, there have been no SafeLine fees charged to her account. Ms. [redacted] did not enroll in SafeLine at the time of her application and there are no notes indicating any recent enrollment.
Our records indicate that one letter was received from Ms. [redacted] on April 20, 2015. A member of the Executive Care Team attempted to reach Ms. [redacted] by phone on April 20, 2015. A voice message was left, but we have not received a response from Ms. [redacted] to date. There are no records of receiving any emails from Ms. [redacted].
A letter was mailed to Ms. [redacted] on May 5, 2015 with an explanation of why Fingerhut cannot grant her request for goodwill. In an additional comment sent through the Revdex.com on May 8, 2015, Ms. [redacted] states the letter was received. She reiterated that she does not want Fingerhut to report inaccurately, she just wants the trade line deleted.
According to our records, no payment was received on Ms. [redacted]'s Fingerhut account from September 26, 2014 until January 31, 2015. Consequently, her account was reported delinquent to the credit bureaus for November 2014, December 2014 and January 2015.
Unfortunately, when an account has been delinquent for ninety days, the credit limit is reduced to zero. After the balance is paid in full, Ms. [redacted] may reapply for credit.
A payment for $137.95 was received on January 31, 2015. Ms. [redacted]'s account was reported current with a balance of $304.87 to the credit bureaus on February 26, 2015.
An account review on April 20, 2015 confirmed that Equifax, Trans Union and Experian are reporting Ms. [redacted]'s account accurately.
We value Ms. [redacted]'s business and although we understand her situation, we cannot revise any 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 Ms. [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 allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/lg
Initial Consumer Rebuttal /* (3000, 12, 2015/05/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I'm not asking for a revision I'm asking for it to be deleted which is not a violation of FCRA
Final Consumer Response /* (3000, 15, 2015/05/26) */
No one is calling me. I received two generic letters stating that " if you fail to fulfill the terms of your credit terms a negative report can be submitted to one or more of the reporting agencies"
This information I understand but that is not at all addressing my request. I am requesting a Goodwill Adjustment on the strength that one I was behind because of false information your reps provided to me, the horrible customer service and as a simple request. It isn't a violation of FCRA. I have confirmed this. Also deleting a trade line is what I would like. I am not asking for anything to be falsely reported or special treatment I am asking that after my balance is paid the trade line is deleted. that's it.
Final Business Response /* (4000, 17, 2015/06/01) */
CONFIDENTIAL COMMUNICATION
May 28, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to an additional inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account.
Ms. [redacted] is requesting to have her WebBank/Fingerhut trade line deleted from her credit report. Ms. [redacted] states that no one has tried to call her and that she has received two letters reiterating Fingerhut's Terms and Conditions regarding credit bureau reporting.
As stated in our initial response, an attempt to reach Ms. [redacted] on April 20, 2015 was unsuccessful. A message was left for Ms. [redacted] to contact the Executive Care Team directly, but we have not received a response from Ms. [redacted] to date. Additionally, a letter was mailed directly to Ms. [redacted] on May 5, 2015 in response to correspondence received directly from Ms. [redacted].
In response to the additional inquiry, a member of the Executive Care Team did speak directly with Ms. [redacted] on May 27, 2015, and she was able to describe in detail the phone conversations in which she believes she was given inaccurate information. These conversations corresponded to the available call recordings from January 2015 that were reviewed before our initial response.
Ms. [redacted] clarified that she believes the misinformation leading to her delinquent remarks resulted from a call she made before her account became delinquent. Ms. [redacted] states she was told that she could stop paying her bill without consequence to her credit report.
Fingerhut has no record of speaking with Ms. [redacted] since July 15, 2014, when she called to add an apartment number to her address, until January 20, 2015 when she called to make payment arrangements.
Based on the call logs associated with Ms. [redacted]'s account, no successful contact was made through a series of outbound calls made to Ms. [redacted] to collect on her past due account.
Based on our research, seven collection letters and five statements were mailed to Ms. [redacted] between the months of September 2014 and January 2015 advising her that her account was past due and that there may be consequences of not bringing her account current.
As stated in our previous response to Ms. [redacted], we cannot revise any information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
KD/lg
Subsequent to the complaint, a billing representative advised the consumer to make contact once he receives the bill and the upgrade fee will be adjusted. The consumer has contact information for any further inquiries.
As previously communicated, Verizon's position remains the same. Verizon has responded to the customer's complaint. The customer may discontinue service; however, the early termination fee of $110.00 will apply. The restriction placed by Verizon's Unlawful Verification Center (UVC) is due to fraudulent payments; which must be address directly with the UVC office. The customer must contact Verizon's Unlawful Verification Center at ###-###-#### to have the restriction removed from the account. To disconnect service, the customer may call ###-###-####; however, as previously stated, the early termination fee will be billed. No further action is required by Verizon's Executive Relations office.
Revdex.com:
Although I still have not received the refund from my bank because the bank has allowed up to 10 days for the transaction to be reversed/reviewed, 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]
Verizon records indicate account was recalled from the outside collection agency on March **, 2016. The consumer will not receive further calls concerning this matter. Verizon's records have been updated to reflect the February *, 2016 payment. The account currently reflects a...
Verizon has denied [redacted] any refunds for movies he purchased from us due to the fact that [redacted] has access to them anytime he wants to. Verizon final decision stands.
I am rejecting this response because:They have not substantiated anything. Anyone can open an account online. Jefferson Capital (whom they supposedly sold the account to) cannot substantiate the account either.I will be filing a lawsuit.
CONFIDENTIAL COMMUNICATION August 24, 2016 Revdex.com of Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], I am writing in response to an additional inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account. Ms. [redacted] states her Fingerhut account was sold to [redacted] and [redacted] has issued documentation that the balance has been paid full. Ms. [redacted] is requesting that Fingerhut, as the original creditor, should make the corrections to her credit report that she is requesting or take their name off her account. As stated in our previous response, Ms. [redacted] opened a Fingerhut account on May 5, 2014. Three orders were placed on May 5, 2014, May 14, 2014 and May 19, 2014. Fingerhut did not receive any payments for the three orders placed on Ms. [redacted]’s account. On December 12, 2014, the account charged off with an unpaid balance of $456.23 and Fingerhut ceased collections. Ms. [redacted]’s account was sold to [redacted] on January 15, 2015. On January 15, 2015, Fingerhut reported Ms. [redacted]’s account to the credit bureaus as Purchased by Another Lender with a balance and past due of $0.00. Since that date, Fingerhut is no longer sending monthly reporting to the credit bureaus because Fingerhut no longer owns Ms. [redacted]’s account. According to an account review on August 9, 2016, Equifax and Experian are reporting Ms. [redacted]’s account accurately as Purchased by Another Lender or Transfer/Sold with a balance and past due of zero. A representative at Trans Union confirmed that they have deleted the Fingerhut trade line. 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 Ms. [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. If Ms. [redacted] has further questions regarding her account, [redacted] can be reached directly at ###-###-####. Thank you for allowing us to assist and explain. Sincerely, Kari [redacted] Executive Care Team KD/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. I would like to thank the lady in the corporate office for her quick action on this matter.
Sincerely,
[redacted]
Please be advised, Verizon has made multiple attempts to speak with the consumer since receiving the rebuttal complaint. Voicemail messages have been left on both the home telephone number and the can be reached number provided. An email was also forwarded to the consumer advising of our attempts to speak with him and also requesting that the consumer provide a good time of day in which we can contact him to discuss the matter thoroughly. To date, Verizon has not received a response from the consumer.
Initial Business Response /* (1000, 8, 2015/05/26) */
CONFIDENTIAL COMMUNICATION
May 22, 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 Advantage Credit Account.
Ms. [redacted] is a valued customer, and we regret any difficulty she experienced as a result of the changes made to her credit line. As a reminder, there is a section of the credit account Agreement covering this issue, found under the title "Available Credit." It states, in part, "We may increase or reduce your credit limit, or suspend or terminate your Account, at any time with or without cause. We will provide notice to you to the extent required by applicable law."
Any reduction, increase or other change to a line of credit is the result of ongoing, systematic monitoring of account activity data. This information can pertain to the Fingerhut Account but also the customer's credit history as a whole.
Strong performing accounts may be issued a credit line increase, either temporary or permanent. If purchases are made to the account while a temporary increase is in effect, the regular limit receives a permanent increase equal to the combined total of the purchases. If no purchases are made, the temporary increase expires and the regular limit is restored.
We are aware of Ms. [redacted]'s concern of the potential impact this process could have on her credit rating. Unfortunately, credit reporting agencies do not reveal how, specifically, their scoring systems function. While we feel our processes associated with credit line changes do not have a long-term or unreasonable impact on credit ratings, we will accommodate requests to opt out of them.
If Ms. [redacted] chooses to opt out of receiving temporary credit line increases, it will also disqualify her from being issued permanent increases. We apologize, but at this time we do not have the option to allow one but not the other.
To opt out, Ms. [redacted] may contact our Customer Service Department at [redacted], Monday through Friday, 8 a.m. to 8 p.m. Central Time. Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (2000, 10, 2015/05/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)
CONFIDENTIAL COMMUNICATION May 27,...
2016 ...⇄ Revdex.com of Minnesota �...⇄ #[redacted] 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 Mr. [redacted] regarding a WebBank/Gettington Credit Account. Mr. [redacted] states that he recently found out about this Gettington account in his name. He believes someone used his address and social security number to open this account. He asserts that one of our representatives gave him the name of this person, and that he does not know this person. He also claims that he has tried calling us by leaving several voicemails, but we have not returned his calls. Mr. [redacted] is pursuing to confirm this fraudulent account is closed and that there have not been any further purchases. He requests a correction on his credit report. Our records indicate on August 26, 2015 an account was applied for using Mr. [redacted]’s personal information via the web and on that same day an order was placed for a Fisher Price Octonauts Barnacles’ Booster Jet Pack. This item was to be shipped to 3501 Demorest Rd. Grove City, OH 43123.This item was delivered via UPS (surepost) at 9:43 AM on September 2, 2015 using the tracking number [redacted]. On February 10, 2016 we sent Mr. [redacted] an affidavit for the unordered merchandise. We have not yet received the affidavit back from him. We attempted to call Mr. [redacted] (at ####-###-####) on February 26, 2016 and again on April 11, 2016 in response to voicemails he had left for us. We left messages on both occasions. Unauthorized account registration and activity is a serious matter, and we have certain procedures in place to assist those making this claim. As Mr. [redacted] denies authorizing the account matching his personally identifiable information, we referred this matter to our Fraud Department. They have instructed that a police report, as well as the returned affidavit, is required to complete the investigation. As we understand the urgency of the situation, Mr. [redacted] may expedite this process by faxing the required affidavit and police report to ###-###-#### Attn: Executive Care Team/Jessica or mail the documents to [redacted] St. Cloud, MN 56303. If Mr. [redacted] is unable to provide a police report, he may supply the name of the agency, officer’s name, badge number, and the case number. Once received, we will be able to further investigate his claim. If Mr. [redacted] has any questions regarding this process, he may contact our Fraud Department at ###-###-####, Monday through Friday between 8:00am and 4:30pm CST. Mr. [redacted]’s account has been marked with a verification hold, which will prevent further purchases on the account until the issue is resolved. Once the affidavit and police report are received, we would be able to close the account for fraud, and send a request to remove any inquiries or trades from his credit bureau report. A letter will be sent to Mr. [redacted] at that time notifying him of the actions taken. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/jm
Initial Business Response /* (1000, 5, 2015/10/21) */
CONFIDENTIAL COMMUNICATION
October 16, 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.
Ms. [redacted] states that she received the Apple iPad Air 2 16 GB with no shrink-wrap, a shattered screen and no accessories. We sincerely apologize that the merchandise arrived in this condition.
We are unable to send Ms. [redacted] the new iPad until we have received the damaged one as a return. We have sent her a prepaid label to return the iPad, which may take 7 to 10 days to receive. Once Ms. [redacted] has returned the iPad, she should allow 10 days for us to receive and process the return. Once the return is received, a replacement will be sent to her.
We at Fingerhut always strive for an exceptional customer experience in all interactions with our customers, and we sincerely apologize for the poor customer service she experienced.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
Initial Consumer Rebuttal /* (3000, 7, 2015/10/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I cannot wait that long. I need a new one that I purchased before I can return the old unit
Final Consumer Response /* (3000, 11, 2015/10/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Will not return unless replacement is sent
Final Business Response /* (4000, 9, 2015/10/29) */
CONFIDENTIAL COMMUNICATION
October 29, 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 further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
We understand that Mr. [redacted] would like to reorder a new iPad before returning the defective one. However, this would bring his account beyond his available credit limit and may cause negative credit reporting, as a result. For this reason, we need him to return the iPad to us. Once the return is processed, we can resend another to him.
Having provided Mr. [redacted] with all information available to us, we are now considering this matter closed.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
The customer rebundled their package in September 2013 and there was a $5.00 bundle discount for 24 months. The representative included a $20.00 discount from the previous contract which was due to expire in October 2013. The representative issued one time credits of $497.98...
which includes tax for the $20.00 discount for the 24 months and $83.56 including tax for credits totaling $581.54.
I am rejecting this response because:The business has offered no resolution or attempt to resolve.
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. This is resolved as long as Verizon waives installation fees as noted in this claim. Thank you for your help.
Sincerely,
[redacted]
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]
Upon receipt of the complaint filed Verizon reviewed the consumer’s account. The consumer expressed concern regarding the date their Verizon account was cancelled and how it will impact their Verizon bill. The consumer advised they contacted Verizon on 8/*/17 to disconnect their...
service. The disconnect order completed on 8/*/17. On 8/**/17 Verizon contacted the consumer to address their concerns, we advised we will follow-up with the 9/*/17 billing statement and make an adjustment to bring the account balance to zero. The consumer is satisfied and has our contact information should they have any further concerns.
CONFIDENTIAL COMMUNICATIONMarch 29,...
2016 ...⇄ # [redacted]Revdex.com of MinnesotaAttn: [redacted]220 S River Ridge CircleBurnsville, MN 55337Re: Case # [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 Ms. [redacted] had a recurring payment schedule for $154.00 that she set up through our website in September 2015. On January 4, 2016 she cancelled the recurring payment schedule online.In order for us to cancel a recurring payment schedule, the cancellation request must be received at least 24 hours prior to the payment schedule date. Unfortunately, Ms. [redacted] did not allow the designated time frame and the payment was processed. When Ms. [redacted] requested a stop payment on the payment for $154.00 through her bank, the payment was returned to us and her account was charged a returned check charge of $27.00. As a courtesy, we have credited the returned check charge of $27.00. Ms. [redacted] will see the credit reflected on her monthly billing statement within one to two billing cycles.Ms. [redacted] set up a new recurring payment schedule on January 4, 2016 for the minimum payment due of $155.93 beginning on January 5, 2016. On February 3, 2016 she cancelled the minimum payment schedule and reset up another recurring payment for $144.00 to be paid on the 5th of every month. The minimum payment due according to Ms. [redacted]’s statement which cycled on February 9, 2016 was $148.66. The payment we received on March 5, 2016 was $144.00 which did not cover the minimum payment due. As a result, a late fee of $27.00 was assessed to Ms. [redacted]’s account per the terms and conditions she agreed to at the time she opened her account. Since the payment we received did not meet the minimum due requirement the late fee will not be credited.On February 22, 2016, Ms. [redacted] placed an order by phone for a Werner 24’ Extension Ladder which totaled $399.99. This order appeared on Ms. [redacted]’s March 9, 2016 billing statement and according to our records, no catalog number or promotion code was provided for the deferred payment offer on this order. If Ms. [redacted] has the promotion code or catalog number for the deferred payment offer, she may contact our Customer Service Department at ###-###-#### to provide the deferral information for this order.Another order was placed on February 26, 2016 for a Cuisinart 12-Cup Programmable Coffeemaker which totaled $102.98 and is also reflected on Ms. [redacted]’s March 9, 2016 billing statement. The minimum payment due on Ms. [redacted]’s account is $170.96 and is reflected on her monthly billing statement.Thank you for allowing us to assist and explain.Sincerely,Vi [redacted]Executive Care TeamVF/bw �...⇄ [redacted]
Please be advised a Verizon Billing Specialist spoke to [redacted] on October **, 2015 to review the account. [redacted] was disputing the pro-rated charges on the account because she was told the bill would only be the $109.99 for the increase in TV package and not told the next bill...
would contain prorated charges. As a good will gesture we issued a credit for the prorated amount and that will be deduced from the next statement because she has already paid the bill. We trust this provides your office with the information required in this matter. Thank you, Ms. M[redacted] Sr. Analyst Verizon Executive Relations
Initial Business Response /* (1000, 10, 2015/05/19) */
CONFIDENTIAL COMMUNICATION
May 19, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
I am writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account.
Ms. [redacted] states she was experiencing a financial hardship in 2014 and was told she was eligible for SafeLine. Ms. [redacted] said she "entered into an agreement" and paid her account in full in January 2015. Ms. [redacted] also states that she has not received any response from Fingerhut to the emails and letters she has sent regarding her account. Though Ms. [redacted] recognizes her credit report is reporting accurately, she is requesting that Fingerhut remove a ninety day delinquency as a gesture of goodwill.
After a thorough review Ms. [redacted]'s account, there have been no SafeLine fees charged to her account. Ms. [redacted] did not enroll in SafeLine at the time of her application and there are no notes indicating any recent enrollment.
Our records indicate that one letter was received from Ms. [redacted] on April 20, 2015. A member of the Executive Care Team attempted to reach Ms. [redacted] by phone on April 20, 2015. A voice message was left, but we have not received a response from Ms. [redacted] to date. There are no records of receiving any emails from Ms. [redacted].
A letter was mailed to Ms. [redacted] on May 5, 2015 with an explanation of why Fingerhut cannot grant her request for goodwill. In an additional comment sent through the Revdex.com on May 8, 2015, Ms. [redacted] states the letter was received. She reiterated that she does not want Fingerhut to report inaccurately, she just wants the trade line deleted.
According to our records, no payment was received on Ms. [redacted]'s Fingerhut account from September 26, 2014 until January 31, 2015. Consequently, her account was reported delinquent to the credit bureaus for November 2014, December 2014 and January 2015.
Unfortunately, when an account has been delinquent for ninety days, the credit limit is reduced to zero. After the balance is paid in full, Ms. [redacted] may reapply for credit.
A payment for $137.95 was received on January 31, 2015. Ms. [redacted]'s account was reported current with a balance of $304.87 to the credit bureaus on February 26, 2015.
An account review on April 20, 2015 confirmed that Equifax, Trans Union and Experian are reporting Ms. [redacted]'s account accurately.
We value Ms. [redacted]'s business and although we understand her situation, we cannot revise any 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 Ms. [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 allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/lg
Initial Consumer Rebuttal /* (3000, 12, 2015/05/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I'm not asking for a revision I'm asking for it to be deleted which is not a violation of FCRA
Final Consumer Response /* (3000, 15, 2015/05/26) */
No one is calling me. I received two generic letters stating that " if you fail to fulfill the terms of your credit terms a negative report can be submitted to one or more of the reporting agencies"
This information I understand but that is not at all addressing my request. I am requesting a Goodwill Adjustment on the strength that one I was behind because of false information your reps provided to me, the horrible customer service and as a simple request. It isn't a violation of FCRA. I have confirmed this. Also deleting a trade line is what I would like. I am not asking for anything to be falsely reported or special treatment I am asking that after my balance is paid the trade line is deleted. that's it.
Final Business Response /* (4000, 17, 2015/06/01) */
CONFIDENTIAL COMMUNICATION
May 28, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to an additional inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account.
Ms. [redacted] is requesting to have her WebBank/Fingerhut trade line deleted from her credit report. Ms. [redacted] states that no one has tried to call her and that she has received two letters reiterating Fingerhut's Terms and Conditions regarding credit bureau reporting.
As stated in our initial response, an attempt to reach Ms. [redacted] on April 20, 2015 was unsuccessful. A message was left for Ms. [redacted] to contact the Executive Care Team directly, but we have not received a response from Ms. [redacted] to date. Additionally, a letter was mailed directly to Ms. [redacted] on May 5, 2015 in response to correspondence received directly from Ms. [redacted].
In response to the additional inquiry, a member of the Executive Care Team did speak directly with Ms. [redacted] on May 27, 2015, and she was able to describe in detail the phone conversations in which she believes she was given inaccurate information. These conversations corresponded to the available call recordings from January 2015 that were reviewed before our initial response.
Ms. [redacted] clarified that she believes the misinformation leading to her delinquent remarks resulted from a call she made before her account became delinquent. Ms. [redacted] states she was told that she could stop paying her bill without consequence to her credit report.
Fingerhut has no record of speaking with Ms. [redacted] since July 15, 2014, when she called to add an apartment number to her address, until January 20, 2015 when she called to make payment arrangements.
Based on the call logs associated with Ms. [redacted]'s account, no successful contact was made through a series of outbound calls made to Ms. [redacted] to collect on her past due account.
Based on our research, seven collection letters and five statements were mailed to Ms. [redacted] between the months of September 2014 and January 2015 advising her that her account was past due and that there may be consequences of not bringing her account current.
As stated in our previous response to Ms. [redacted], we cannot revise any information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
KD/lg
Subsequent to the complaint, a billing representative advised the consumer to make contact once he receives the bill and the upgrade fee will be adjusted. The consumer has contact information for any further inquiries.
As previously communicated, Verizon's position remains the same. Verizon has responded to the customer's complaint. The customer may discontinue service; however, the early termination fee of $110.00 will apply. The restriction placed by Verizon's Unlawful Verification Center (UVC) is due to fraudulent payments; which must be address directly with the UVC office. The customer must contact Verizon's Unlawful Verification Center at ###-###-#### to have the restriction removed from the account. To disconnect service, the customer may call ###-###-####; however, as previously stated, the early termination fee will be billed. No further action is required by Verizon's Executive Relations office.
Revdex.com:
Although I still have not received the refund from my bank because the bank has allowed up to 10 days for the transaction to be reversed/reviewed, 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]
Verizon records indicate account was recalled from the outside collection agency on March **, 2016. The consumer will not receive further calls concerning this matter. Verizon's records have been updated to reflect the February *, 2016 payment. The account currently reflects a...
zero balance.
Verizon has denied [redacted] any refunds for movies he purchased from us due to the fact that [redacted] has access to them anytime he wants to. Verizon final decision stands.