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.Since contact finger hut has corrected the issues with my account
Thank you for referring the complaint of [redacted] to our office for review. We appreciate this matter being brought to our attention. [redacted] expressed concern about her internet service. Please be advised that since receiving this case we have not been able to reach [redacted] but was able to...
leave detailed voicemail messages on her can be reached phone number. We also sent call me letters to both her listed email and letter form to her home address. We trust that this information will assist you in the closing of this complaint. We apologize for any inconvenience that [redacted] has experienced as a result of the above matter.
I am rejecting this response because:
A member of the support staff sent me a set of hand cream. This persons reaponse is a result if her thinking that she is in fact doing me a favor when my orders met and exceeded thw requirements if the offer. Fingerhut is selling products which do not list colors or options that create these types of fraudulent situations.
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:
Good DayI have attached the first page that the gentleman is saying we should have seen. I never agreed to a "commitment" prior to this, this is their way of trickery. This kind of "commitment" should be sent notify someone in a separate letter. I know for a fact not every person reads there statement like he claims. A commitment like this should be bolder or put across the top. Again I stand by the fact that this is a fraudulent way to forcing accounts into agreements without their knowledge. It is a financial hardship and a fee that is unfair when I won't be using their services and never agreed to it. Contracts, commitment and or service agreements should need signatures validating that the customer/consumer are fully aware of the contract. I hope that Verizon will dismiss this termination fee and start notifying their accounts ethically.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
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:
[Your Answer Here]
I have not received this card at this time. Verizon has stated it will take 15 days from 8/*/16. Today is 8/**/16 and I have not received the card. This is the same issue that has kept occurring, they would state the card was sent and I would never receive it
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
A review of [redacted] records show that her Verizon account was disconnected 3/**/2016. Verizon records do not indicate that her account had a $0 balance at any time in 2016. The bill the customer received for $1400 included charges for unreturned equipment. The equipment had been returned and...
the unreturned equipment charges were adjusted. [redacted] currently has an outstanding final bill of $463.29.
On 5/**, I called the customer and left msg on ###-###-####. I advised a $20 credit will be added to this account monthly to bring it to the price expected. I will follow up after 6/*/15 bill to be sure it posts and if not will manually adjust monthly so the customer will get the price...
expected. I adjusted $52.44 (to cover 4/* and 5/* bills) off 5/*/15 bill so the customer can deduct that and just send in $67.02 by 5/**/15. I left customer advocacy voicemail if any questions or concerns.
According to record, Verizon's Customer Financial Services team assisted the customer with payment arrangements. The customer was advised to contact the Unlawful Verification Center (UVC) for all inquiries concerning the removal of the restriction on the account. The contact number for...
We apologize for any misunderstanding on an appointment for a technician visit. Our investigation found that the issues with the internet were caused by static/noise on the line that was cleared on 6/**/16. A repair manager left a message for the customer with his name and direct number to call if...
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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry, she states that she ordered the Xbox One S bundle on November 23, 2016. When Ms. [redacted] received her package, she states that our company had shipped the Xbox One. Ms. [redacted] states that in the title of the advertisement it states Xbox One S but in the specifications this states Xbox One. Our research confirms the product we have in stock and are shipping (our item number NLFN8) is the “S” model. The older model that is not the “S” had a black chassis, while the “S” model is white in color. The reason the specifications state Xbox One is because it is the same system but an upgraded model. Names do not always get changed and the materials may still state Xbox One. The S model, is an upgraded model to include special features not included with the regular Xbox One. On November 29, 2016, Ms. [redacted] contacted Fingerhut regarding this order. Our representative then created a new order and reshipped the product to Ms. [redacted]. We recommend Ms. [redacted] return one of the Xbox One S consoles to receive full credit for the item to her account. If Ms. [redacted] returns the first Xbox One S, we will attach the 2-year service plan that was included with her first order to the replacement that was sent. Please note if she chooses to keep both Xbox consoles, she will be responsible for the payments of both items. We apologize for any inconvenience caused to Ms. [redacted]. Should Ms. [redacted] have any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
2016 ...⇄ 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 she set up automatic payments to be withdrawn from her bank account. For two months double the payment amount was withdrawn from her account. She states when she contacted Fingerhut she was told she did not need to make a payment for two months due to the over payment she had made. Ms. [redacted] states this is negatively reflecting her credit report. Her desired resolution would be have the negative payment history removed from her credit report. Our records indicate Ms. [redacted] had a payment schedule in place, which was set up on May 5, 2015 to make the minimum payment due on the 5th of each month. The August payment was declined by her bank, with a reason of ‘Card Number Error”, and that payment schedule was canceled. Because we did not receive the August payment, Ms. [redacted]’s account incurred a late fee, and the minimum amount due on September 5, 2016 was $156.26 because it included the August past due payment. After speaking with one of our representatives, Ms. [redacted] set up an automatic payment schedule on August 12, 2016. This schedule was set up to have the minimum monthly payment taken from her credit card ending in 5531 each month on the 5th. When Ms. [redacted] opened her Fingerhut Credit Account she agreed to the terms and conditions. Within these terms and conditions it states, “Late fees will be equal to your minimum payment due with a maximum amount of $27.00. The maximum amount will increase to $37.00 if you did not make your minimum payment on time in any one of the 6 prior billing cycles.” Per the recurring payment schedule Ms. [redacted] agreed to, the minimum due of $156.26 was withdrawn from her account on September 5, 2016. On October 2, 2016 Ms. [redacted] contacted Fingerhut stating she did not authorize for the payment withdrawn on September 5, 2016. We have reviewed the telephone call Ms. [redacted] placed to Fingerhut on December 22, 2016. As discussed on this call the late fees Ms. [redacted] incurred on October 5, 2016 and November 5, 2016 have been credited to her account as a courtesy. Additionally, as Ms. [redacted] was advised by one of our representatives that her Credit Report would be updated to remove the negative marks, we have updated the information on Ms. [redacted]’s account to the credit reporting agencies on December 22, 2016. She should allow up to 60 days for the update to process. If Ms. [redacted] has any additional questions she may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ks
I am rejecting this response because: The problem is that the account no longer belongs to Fingerhut. It was sold to [redacted] is the owner of the account and they have issued out documantation of my payment of the entire balance. How come the account's rightful owner doesn't have the right to change what written on a credit report. Fingerhut's clause became invalid when Fingerhut sold the account. Apparently, as Fingerhut keeps telling me, Fingerhut is no longer authorized to deal with any part of this account so, it stands to reason how Fingerhut can hold any kind of disciplinary clause to an account that the say is not their own and that they do not deal with in any way. I'm not sure how this can be fair. The account is not Fingerhut's property. Fingerhut either needs to make the corrections I am asking for or take their name off of my account and entitle the account as [redacted]'s property, so that [redacted]'s letter that confirms payment will be useful. This clause in the Fingerhut rule book is bullying under such circumstances as the one I have described. It is unfair treatment and it is Fingerhut trying to exercise power and relinquish power simultaneously when Fingerhut show just make up their mind: does Fingerhut own the account or not?
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:
The response from Verizon stated they attempted to contact me via telephone. The number listed in their response would have been my landline phone under Verizon. First, that is not the number I listed to be reached at. Second, if I cancelled service then obviously I would not be able to be reached at that number. What Verizon FiOS has repeatedly failed to do is cite the justification for penalizing customers who move outside of their service area. Even if in the fine print, how is it legally justifiable to penalize someone who relocates and relocates to an area where service is not offered? How is it justified to consider contracted services and sub-par services to be deemed equivalent to the fiber services that were originally signed-up for? This is a highly questionable practice and I am not clear how it is legally justified.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Initial Business Response /* (1000, 7, 2015/05/19) */
CONFIDENTIAL COMMUNICATION
May 19, 2015
# [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 FreshStart Credit Account.
Our records confirm a purchase was made to Ms. [redacted]'s account on March 5, 2015 for a Men's Personalized Stainless Steel Spinner Band. On March 17, 2015 the required $30 down payment was successfully made with a debit card ending '2728', and the order processed, shipped, and billed as normal.
On March 27, 2015 Ms. [redacted] accessed the live chat service on the Fingerhut website requesting to return the item, stating that it had a scratch on it. The chat agent authorized the return and sent a prepaid shipping label for her to use to return it. We received it as a return, and an account credit for the full merchandise price was issued on April 13, 2015; on April 15, 2015 the shipping/handling was likewise issued, and these credits equaled the total cost of the order.
Our records confirm that before we were able to issue a refund of the $30 down payment, Ms. [redacted] had already contacted her bank/debit card provider to dispute that payment. Our records further show that on April 17, 2015 Ms. [redacted]'s bank debited our account for the amount of the transaction ($30). Although we have 30 days to dispute these transactions, we did not dispute it, and allowed Ms. [redacted]'s bank to reclaim these funds without delay. We apologize for any conflicting information she may have been given regarding this matter.
As we are no longer in possession of these funds, Ms. [redacted] should contact her bank/debit card provider as to their internal processes and timeframes involved in depositing the funds back into her account.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 9, 2015/05/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Money was taken out of my account with my bank but was never refunded to my bank account. Statements shows money was never refunded.
Final Business Response /* (4000, 11, 2015/05/26) */
CONFIDENTIAL COMMUNICATION
May 26, 2015
# [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].
We appreciate Ms. [redacted] providing a copy of her Prepaid Visa RushCard account activity statement covering the dates March 1, 2015 to April 30, 2015. It shows the $30 payment to us on March 17, 2015 as a debit, but it does not yet show a $30 credit from the payment reversal (chargeback) that was done on April 17, 2015.
As a courtesy, we found information that may be helpful in this regard on the RushCard website at: https://www.rushcard.com/faq/Making-or-Disputing-Purchases#purchase. The final question under the "Making or Disputing Purchases FAQs" section is, "How can I check the status of a dispute I filed?" The answer they provide states:
"Please allow a minimum of 60 days for the issue to be resolved. If you do not see a credit on your card account after that period of time, contact us at 866-RUSHCARD ([redacted]) 24 hours a day, 7 days a week, and a Member Services Representative will assist you."
Our records show that 60 days have not yet passed since Ms. [redacted]'s card provider initiated the chargeback on April 17, 2015. She should allow more time for the credit to appear per the above information.
Thank you for allowing us to assist and explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Business Response /* (1000, 6, 2015/08/06) */
CONFIDENTIAL COMMUNICATION
August 5, 2015
Revdex.com of Minnesota Account #: [redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
We are writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, Terms and Conditions.
Ms. [redacted] states in her complaint that she is receiving collection calls twice an hour up to ten hours per day. Ms. [redacted]' desired resolution is for the calls to cease.
Based on the call logs associated with Ms. [redacted]' account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern Time. Our records also indicate Fingerhut never attempted to contact Ms. [redacted] more than six times in a day while her account was in a delinquent status.
Please note that when the required minimum payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date.
Ms. [redacted]' account is in a current status. We thank Ms. [redacted] for her most recent payment of $50.00 on July 24, 2015.
An updated statement will be generated on August 13, 2015 with Ms. [redacted]' new account balance and minimum payment that will be due on September 9, 2015.
If Ms. [redacted] wishes to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted], St. Cloud, MN, 56303.
Please note, if a cease and desist status is placed on Ms. [redacted]' account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desist. A monthly statement will continue to be mailed.
Ms. [redacted]' account would also be closed to future purchases and additional purchases on the account will not be allowed. However, Fingerhut orders may be placed online using Visa, MasterCard, or Discover to pay for the order.
Any outstanding balance will continue to accrue interest and you may be assessed late fees and Ms. [redacted]' account is still subject to the original terms and conditions of the Agreement.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sjj
Enclosures
Initial Consumer Rebuttal /* (3000, 8, 2015/08/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They are now closing my account because of there carelessness. I have PROOF I received several calls before 8am. The point of my dispute was the constant harassing calls. to receive more than one call a day or 3 calls a day is harassment. I was receiving multiple calls every hour 10 hrs a day. They are clearly condoning there collection practice of harassing customers. My complaint was about harassment. There constant harassment is a violation. I have PROOF! To harass a person/customer is NOT acceptable and I will NOT bow down and accept this response from them. I have calls logs too and can prove I received several calls before 8am! Now they are closing my account, and punishing me for there harassment and violations. Nice. I feel I have NO choice but to escalate this and confer with an attorney. One thing I have learned. Its not what you know, its what you can prove. I CAN PROVE IT, between the recorded calls and call logs I can prove my case.
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:
Please see my prior complaint ID#[redacted] regarding Verizon billing and charging. I accepted their agreement to post a $20 credit on 5/**/16 and $20 each month for 20 consecutive months. In good faith I paid the pending invoice on 6/*/16 in the amount of $91.39. I have received my new invoice in the amount of $88.24. The credit was not posted on 5/**/16 and also not on this current bill. What do I need to now do to have the $20 credits processed each month as offered and also have the additional credit received for the prior overcharge billing of $91.39
Please be advised, Verizon has reviewed the consumers account. Contact was made with the consumer via email upon receipt of the complaint filed. Verizon advised removing the contract from the account will increase monthly billing (due to the promotions/discounts she receives that are associated...
with the contract). Verizon has offered to allow the consumer to keep the existing bundle discounts and advised should she decide to disconnect services prior to the expiration of the contract (4/**/17) the early termination fee will be waived. The consumer has accepted Verizon’s offer. We apologize for any misinformation and /or inconvenience caused surrounding this matter.
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.Since contact finger hut has corrected the issues with my account
Thank you for referring the complaint of [redacted] to our office for review. We appreciate this matter being brought to our attention. [redacted] expressed concern about her internet service. Please be advised that since receiving this case we have not been able to reach [redacted] but was able to...
leave detailed voicemail messages on her can be reached phone number. We also sent call me letters to both her listed email and letter form to her home address. We trust that this information will assist you in the closing of this complaint. We apologize for any inconvenience that [redacted] has experienced as a result of the above matter.
I am rejecting this response because:
A member of the support staff sent me a set of hand cream. This persons reaponse is a result if her thinking that she is in fact doing me a favor when my orders met and exceeded thw requirements if the offer. Fingerhut is selling products which do not list colors or options that create these types of fraudulent situations.
I am rejecting this response because:Still doesn't get me my refund and still double charged.
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:
Good DayI have attached the first page that the gentleman is saying we should have seen. I never agreed to a "commitment" prior to this, this is their way of trickery. This kind of "commitment" should be sent notify someone in a separate letter. I know for a fact not every person reads there statement like he claims. A commitment like this should be bolder or put across the top. Again I stand by the fact that this is a fraudulent way to forcing accounts into agreements without their knowledge. It is a financial hardship and a fee that is unfair when I won't be using their services and never agreed to it. Contracts, commitment and or service agreements should need signatures validating that the customer/consumer are fully aware of the contract. I hope that Verizon will dismiss this termination fee and start notifying their accounts ethically.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
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:
[Your Answer Here]
I have not received this card at this time. Verizon has stated it will take 15 days from 8/*/16. Today is 8/**/16 and I have not received the card. This is the same issue that has kept occurring, they would state the card was sent and I would never receive it
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
A review of [redacted] records show that her Verizon account was disconnected 3/**/2016. Verizon records do not indicate that her account had a $0 balance at any time in 2016. The bill the customer received for $1400 included charges for unreturned equipment. The equipment had been returned and...
the unreturned equipment charges were adjusted. [redacted] currently has an outstanding final bill of $463.29.
On 5/**, I called the customer and left msg on ###-###-####. I advised a $20 credit will be added to this account monthly to bring it to the price expected. I will follow up after 6/*/15 bill to be sure it posts and if not will manually adjust monthly so the customer will get the price...
expected. I adjusted $52.44 (to cover 4/* and 5/* bills) off 5/*/15 bill so the customer can deduct that and just send in $67.02 by 5/**/15. I left customer advocacy voicemail if any questions or concerns.
According to record, Verizon's Customer Financial Services team assisted the customer with payment arrangements. The customer was advised to contact the Unlawful Verification Center (UVC) for all inquiries concerning the removal of the restriction on the account. The contact number for...
the [redacted]. No further action required.
We apologize for any misunderstanding on an appointment for a technician visit. Our investigation found that the issues with the internet were caused by static/noise on the line that was cleared on 6/**/16. A repair manager left a message for the customer with his name and direct number to call if...
there are any further issues.
CONFIDENTIAL COMMUNICATION December 6,...
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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry, she states that she ordered the Xbox One S bundle on November 23, 2016. When Ms. [redacted] received her package, she states that our company had shipped the Xbox One. Ms. [redacted] states that in the title of the advertisement it states Xbox One S but in the specifications this states Xbox One. Our research confirms the product we have in stock and are shipping (our item number NLFN8) is the “S” model. The older model that is not the “S” had a black chassis, while the “S” model is white in color. The reason the specifications state Xbox One is because it is the same system but an upgraded model. Names do not always get changed and the materials may still state Xbox One. The S model, is an upgraded model to include special features not included with the regular Xbox One. On November 29, 2016, Ms. [redacted] contacted Fingerhut regarding this order. Our representative then created a new order and reshipped the product to Ms. [redacted]. We recommend Ms. [redacted] return one of the Xbox One S consoles to receive full credit for the item to her account. If Ms. [redacted] returns the first Xbox One S, we will attach the 2-year service plan that was included with her first order to the replacement that was sent. Please note if she chooses to keep both Xbox consoles, she will be responsible for the payments of both items. We apologize for any inconvenience caused to Ms. [redacted]. Should Ms. [redacted] have any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
CONFIDENTIAL COMMUNICATION December 30,...
2016 ...⇄ 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 she set up automatic payments to be withdrawn from her bank account. For two months double the payment amount was withdrawn from her account. She states when she contacted Fingerhut she was told she did not need to make a payment for two months due to the over payment she had made. Ms. [redacted] states this is negatively reflecting her credit report. Her desired resolution would be have the negative payment history removed from her credit report. Our records indicate Ms. [redacted] had a payment schedule in place, which was set up on May 5, 2015 to make the minimum payment due on the 5th of each month. The August payment was declined by her bank, with a reason of ‘Card Number Error”, and that payment schedule was canceled. Because we did not receive the August payment, Ms. [redacted]’s account incurred a late fee, and the minimum amount due on September 5, 2016 was $156.26 because it included the August past due payment. After speaking with one of our representatives, Ms. [redacted] set up an automatic payment schedule on August 12, 2016. This schedule was set up to have the minimum monthly payment taken from her credit card ending in 5531 each month on the 5th. When Ms. [redacted] opened her Fingerhut Credit Account she agreed to the terms and conditions. Within these terms and conditions it states, “Late fees will be equal to your minimum payment due with a maximum amount of $27.00. The maximum amount will increase to $37.00 if you did not make your minimum payment on time in any one of the 6 prior billing cycles.” Per the recurring payment schedule Ms. [redacted] agreed to, the minimum due of $156.26 was withdrawn from her account on September 5, 2016. On October 2, 2016 Ms. [redacted] contacted Fingerhut stating she did not authorize for the payment withdrawn on September 5, 2016. We have reviewed the telephone call Ms. [redacted] placed to Fingerhut on December 22, 2016. As discussed on this call the late fees Ms. [redacted] incurred on October 5, 2016 and November 5, 2016 have been credited to her account as a courtesy. Additionally, as Ms. [redacted] was advised by one of our representatives that her Credit Report would be updated to remove the negative marks, we have updated the information on Ms. [redacted]’s account to the credit reporting agencies on December 22, 2016. She should allow up to 60 days for the update to process. If Ms. [redacted] has any additional questions she may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ks
I am rejecting this response because: The problem is that the account no longer belongs to Fingerhut. It was sold to [redacted] is the owner of the account and they have issued out documantation of my payment of the entire balance. How come the account's rightful owner doesn't have the right to change what written on a credit report. Fingerhut's clause became invalid when Fingerhut sold the account. Apparently, as Fingerhut keeps telling me, Fingerhut is no longer authorized to deal with any part of this account so, it stands to reason how Fingerhut can hold any kind of disciplinary clause to an account that the say is not their own and that they do not deal with in any way. I'm not sure how this can be fair. The account is not Fingerhut's property. Fingerhut either needs to make the corrections I am asking for or take their name off of my account and entitle the account as [redacted]'s property, so that [redacted]'s letter that confirms payment will be useful. This clause in the Fingerhut rule book is bullying under such circumstances as the one I have described. It is unfair treatment and it is Fingerhut trying to exercise power and relinquish power simultaneously when Fingerhut show just make up their mind: does Fingerhut own the account or not?
Verizon contacted the customer and advised the charge of$518.01 has been removed from the account. There is no restriction on the account.
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:
The response from Verizon stated they attempted to contact me via telephone. The number listed in their response would have been my landline phone under Verizon. First, that is not the number I listed to be reached at. Second, if I cancelled service then obviously I would not be able to be reached at that number. What Verizon FiOS has repeatedly failed to do is cite the justification for penalizing customers who move outside of their service area. Even if in the fine print, how is it legally justifiable to penalize someone who relocates and relocates to an area where service is not offered? How is it justified to consider contracted services and sub-par services to be deemed equivalent to the fiber services that were originally signed-up for? This is a highly questionable practice and I am not clear how it is legally justified.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Initial Business Response /* (1000, 7, 2015/05/19) */
CONFIDENTIAL COMMUNICATION
May 19, 2015
# [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 FreshStart Credit Account.
Our records confirm a purchase was made to Ms. [redacted]'s account on March 5, 2015 for a Men's Personalized Stainless Steel Spinner Band. On March 17, 2015 the required $30 down payment was successfully made with a debit card ending '2728', and the order processed, shipped, and billed as normal.
On March 27, 2015 Ms. [redacted] accessed the live chat service on the Fingerhut website requesting to return the item, stating that it had a scratch on it. The chat agent authorized the return and sent a prepaid shipping label for her to use to return it. We received it as a return, and an account credit for the full merchandise price was issued on April 13, 2015; on April 15, 2015 the shipping/handling was likewise issued, and these credits equaled the total cost of the order.
Our records confirm that before we were able to issue a refund of the $30 down payment, Ms. [redacted] had already contacted her bank/debit card provider to dispute that payment. Our records further show that on April 17, 2015 Ms. [redacted]'s bank debited our account for the amount of the transaction ($30). Although we have 30 days to dispute these transactions, we did not dispute it, and allowed Ms. [redacted]'s bank to reclaim these funds without delay. We apologize for any conflicting information she may have been given regarding this matter.
As we are no longer in possession of these funds, Ms. [redacted] should contact her bank/debit card provider as to their internal processes and timeframes involved in depositing the funds back into her account.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 9, 2015/05/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Money was taken out of my account with my bank but was never refunded to my bank account. Statements shows money was never refunded.
Final Business Response /* (4000, 11, 2015/05/26) */
CONFIDENTIAL COMMUNICATION
May 26, 2015
# [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].
We appreciate Ms. [redacted] providing a copy of her Prepaid Visa RushCard account activity statement covering the dates March 1, 2015 to April 30, 2015. It shows the $30 payment to us on March 17, 2015 as a debit, but it does not yet show a $30 credit from the payment reversal (chargeback) that was done on April 17, 2015.
As a courtesy, we found information that may be helpful in this regard on the RushCard website at: https://www.rushcard.com/faq/Making-or-Disputing-Purchases#purchase. The final question under the "Making or Disputing Purchases FAQs" section is, "How can I check the status of a dispute I filed?" The answer they provide states:
"Please allow a minimum of 60 days for the issue to be resolved. If you do not see a credit on your card account after that period of time, contact us at 866-RUSHCARD ([redacted]) 24 hours a day, 7 days a week, and a Member Services Representative will assist you."
Our records show that 60 days have not yet passed since Ms. [redacted]'s card provider initiated the chargeback on April 17, 2015. She should allow more time for the credit to appear per the above information.
Thank you for allowing us to assist and explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Business Response /* (1000, 6, 2015/08/06) */
! To harass a person/customer is NOT acceptable and I will NOT bow down and accept this response from them. I have calls logs too and can prove I received several calls before 8am! Now they are closing my account, and punishing me for there harassment and violations. Nice. I feel I have NO choice but to escalate this and confer with an attorney. One thing I have learned. Its not what you know, its what you can prove. I CAN PROVE IT, between the recorded calls and call logs I can prove my case.
CONFIDENTIAL COMMUNICATION
August 5, 2015
Revdex.com of Minnesota Account #: [redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
We are writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, Terms and Conditions.
Ms. [redacted] states in her complaint that she is receiving collection calls twice an hour up to ten hours per day. Ms. [redacted]' desired resolution is for the calls to cease.
Based on the call logs associated with Ms. [redacted]' account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern Time. Our records also indicate Fingerhut never attempted to contact Ms. [redacted] more than six times in a day while her account was in a delinquent status.
Please note that when the required minimum payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date.
Ms. [redacted]' account is in a current status. We thank Ms. [redacted] for her most recent payment of $50.00 on July 24, 2015.
An updated statement will be generated on August 13, 2015 with Ms. [redacted]' new account balance and minimum payment that will be due on September 9, 2015.
If Ms. [redacted] wishes to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted], St. Cloud, MN, 56303.
Please note, if a cease and desist status is placed on Ms. [redacted]' account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desist. A monthly statement will continue to be mailed.
Ms. [redacted]' account would also be closed to future purchases and additional purchases on the account will not be allowed. However, Fingerhut orders may be placed online using Visa, MasterCard, or Discover to pay for the order.
Any outstanding balance will continue to accrue interest and you may be assessed late fees and Ms. [redacted]' account is still subject to the original terms and conditions of the Agreement.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sjj
Enclosures
Initial Consumer Rebuttal /* (3000, 8, 2015/08/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They are now closing my account because of there carelessness. I have PROOF I received several calls before 8am. The point of my dispute was the constant harassing calls. to receive more than one call a day or 3 calls a day is harassment. I was receiving multiple calls every hour 10 hrs a day. They are clearly condoning there collection practice of harassing customers. My complaint was about harassment. There constant harassment is a violation. I have PROOF
I am rejecting this response because:
I am not that person and my complaint is totally different.
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:
Please see my prior complaint ID#[redacted] regarding Verizon billing and charging. I accepted their agreement to post a $20 credit on 5/**/16 and $20 each month for 20 consecutive months. In good faith I paid the pending invoice on 6/*/16 in the amount of $91.39. I have received my new invoice in the amount of $88.24. The credit was not posted on 5/**/16 and also not on this current bill. What do I need to now do to have the $20 credits processed each month as offered and also have the additional credit received for the prior overcharge billing of $91.39
Sincerely,
Barbara Bugosh
Please be advised, Verizon has reviewed the consumers account. Contact was made with the consumer via email upon receipt of the complaint filed. Verizon advised removing the contract from the account will increase monthly billing (due to the promotions/discounts she receives that are associated...
with the contract). Verizon has offered to allow the consumer to keep the existing bundle discounts and advised should she decide to disconnect services prior to the expiration of the contract (4/**/17) the early termination fee will be waived. The consumer has accepted Verizon’s offer. We apologize for any misinformation and /or inconvenience caused surrounding this matter.