Bluestem Brands, Inc.

I ordered a violin for my daughter for Christmas on 12/There were multiple attempts to deliver the package when no one was homeThey left slips for me to sign to allow them to leave the package at my door, which I didHowever, they ended up shipping the item back to the vendor and it was received back on 12/This was my daughter's ONLY Christmas presentShe now has nothing to open while her other two sisters will have a present to openWhen I attempted to call Fingerhut, they said it was not their fault the package was returned to the vendorI told them that it was not my fault that the little slip with my signature on it to leave the package at my door did not stick, as it was probably too cold and fell offI put a slip out there twice with my signatureIt is their fault that their package required someone to sign for the package upon deliveryThey would not credit my account immediately even though they acknowledged that the vendor received the package back so that I might find something else for my daughter to have on Christmas, so I have no other optionI will not be shopping with Fingerhut again unless this is somehow rectified

March 18,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** ***
Case #:
***
Dear Ms***,
I am writing in response to an inquiry received from your office on behalf of Mr*** *** regarding his WebBank/Fingerhut Credit Account
Mr*** states he was informed on February 24, that once his account was paid in full, it would be removed from his credit reportHe further states that he made a $payment to catch up on the account and was unaware at that time the account was charged offMr*** indicates he has settled his account with the account owner, *** *** ***Mr***'s desired resolution is to have the trade line removed from his credit bureau reporting
Our records indicate that on September 30, 2013, an application was processed online using Mr***' personally identifiable informationHe was approved for a Fingerhut FreshStart Installment Loan account ending in with a credit limit of $Mr*** successfully completed the FreshStart Installment Loan account and graduated to Fingerhut revolving credit account ending in *** on March 20,
The unpaid balance of $charged off on August 7, and the account was sold to *** *** *** on September 1,
According to our records, Mr*** contacted Fingerhut on August 13, 2015, after the account had charged off and scheduled a partial payment for $Mr*** spoke to a second representative approximately minutes after he scheduled this payment and was advised the account was charged off and may be sold at any timePer Mr*** request, the scheduled payment for $was cancelled that same day
Fingerhut received an email from Mr*** on October 27, checking to see if he could get his account re-instated after he recovered from his financial issuesMr*** was advised his account was sold to *** *** *** and he was directed to contact the account owner
Mr*** has disputed the account with the credit bureaus on November 12, and January 8, He was advised each time his account was reporting accurately as sold to another lender and he was directed to contact the account owner
A review of the chat transcript on February 24, indicates that Mr*** was advised his account was sold to another lenderHe stated he was told he would have to contact Fingerhut to have his trade line removedHe was advised that even though his account was sold to another lender Fingerhut will still reflect on his credit reportHe again asked who to speak with at Fingerhut about getting his account removed once his payment clearedHe was advised to contact *** *** *** for further assistanceHowever, the representative incorrectly stated "your account will be automatically removed from your credit report once your payment is cleared from the agency handling your account." We apologize for any inconvenience this may have caused
Please note Fingerhut does not offer deletion of credit bureau reporting for paymentWe are required by law to furnish accurate reporting.If Mr*** was promised by *** *** *** that they would accept payment for deletion of their trade line and they are still reporting his account to the credit bureaus, he would need to contact *** *** *** directly at ***
An account review completed March 17, 2016, indicates the credit bureaus are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zero
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Mr*** Welcome PacketIt states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well
Thank you for the opportunity to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa

Initial Business Response /* (1000, 5, 2014/02/13) */
*** StCloud, MN
www.fingerhut.com
CONFIDENTIAL COMMUNICATION
February 13,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re:
Case # *** - *** ***
Dear Ms***,
I am writing in response to the inquiry that we received from your office regarding *** ***
I sincerely apologize for any confusion caused regarding the confirmation email received for the payment attempt on Saturday, February 8, That email was sent in errorOur records indicate that the payment declined by our customer's bankMr./Ms*** should contact the bank as to the reason why the payment declined
Our records indicate that our customer made a payment on Tuesday, February 11, and that the payment posted to the WebBank/Fingerhut Credit Account on that date
As a courtesy to our customer, I have credited the account for the accrued late feeThe credit will appear on a future statement
Thank you for this opportunity to assist and explain
Sincerely,
***
Executive Care Team
VF/tas
Final Consumer Response /* (3000, 7, 2014/02/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I would like to first state that when I reviewed my bank statement with Navy Federal Credit Union I realized that Fingerhut never presented my payment made on February 8, @ 3:07pm to my bank,that is what initially prompted my investigation on February 11, into my missing payment when I noticed that Fingerhut imposed a late fee on my accountI contacted Navy Federal and they informed me that the payment was NEVER presented to them by neither ACH OR POSI then contacted fingerhut to discover what had possibly happened to my paymentRepresentatives were rude and unwilling to help resolve the situationI am now more than appalled to see that they are so desperate to save face that they would attempt to tarnish my character by submitting a response stating that my payment was declined because of insufficient funds in my bank accountI would be and is more than willing to support with evidence that I had more than enough funds to cover my payment as well as I am willing to provide evidence of the screen shot that validates my payment being made on time and for more than the expected monthly paymentThe response that Fingerhut gave demonstrates the vary unethical practice that I complained about in my initial complaintI will continue to monitor my credit statement to see if they(Fingerhut) will make good on the credit to my account as they have promised in their responseThe late charge adjustment of $is all that I am willing to accept from the response, however I will not accept the declining /insufficient claim of the response
Final Business Response /* (4000, 9, 2014/02/26) */
*** StCloud, MN
www.fingerhut.com
CONFIDENTIAL COMMUNICATION
February 26,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - *** ***
Dear Ms***,
I am writing in response to the rebuttal that we received from your office regarding *** ***
Our previous response letter stated that our records indicate that the payment declined by our customer's bankMr./Ms*** should contact the bank as to the reason why the payment declinedWe did not state a reason why it declined
However, upon further review, we had an error on our systemAs stated in our previous response letter, we credited Ms***'s WebBank/Fingerhut Credit Account for the accrued late fee
I sincerely apologize for any inconvenience this may have caused
Thank you for this opportunity to explain
Sincerely,
***
Executive Care Team
VF/tas

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11745893, and find that this resolution is satisfactory to meHowever I would like to clarify two thingsI did not say I was not contacted by the shipping company for delivery; my complaint was that I was never told but they never informed me that they would not be delivering the furniture into my homeI am a year old woman and there was no way I could have taken the furniture inside my home, I had to leave my furniture sitting outside where the delivery driver left it for several hours before I could find someone come and move the furniture inside my homeHad I know from the start that they only made curb deliveries I would never have order furniture
Next in their response they said: "Additionally, we entrust the carrier with secure transport and delivery of all goods, including ensuring no damages occur in that time. MsPie’s description suggests minor impacts to the sofa and loveseat likely due to transport/handling."
For the amount of money I am paying for this furniture there should not have been any issue with the furniture and I am offended by that statement, I also can send pictures to prove that this was not minor

Initial Business Response /* (1000, 7, 2015/03/04) */
CONFIDENTIAL COMMUNICATION
March 4,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am
writing in response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
The payoff amount necessary to bring Mr***'s account to a $balance as of his billing cycle ending August 7, was $We needed to receive this payoff amount on or before his due date of September 3, We received the $payoff on September 25, 2014, and the account accrued a $late fee as a result
As a reminder, a late fee is assessed when a payment is received past the scheduled due date or when it does not meet the required amount dueThis caused an outstanding balance to remain, and additional late fees and interest charges accrued for each additional month the account went unpaid, in accordance with the terms and conditions of the Agreement
One additional payment has since been received for $on January 25, 2015, which Mr*** advised a telephone agent was intended to cover the late fee from September
We carefully reviewed the circumstances unique to this situation, and have decided to make an exception to our standard policiesOn February 27, 2015, adjustment allowances were made to Mr***'s account that brought it to a $balance, which it remains as of the date of this letter
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ah

Initial Business Response /* (1000, 5, 2015/04/08) */
CONFIDENTIAL COMMUNICATION
March 6,
Revdex.com of Minnesota # ***
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # ***- ***, ***
Dear Ms
***,
I am writing in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
We are truly sorry for any confusion this may have caused Ms***
Ms*** has a revolving account and as such, there is a required minimum amount due each monthA customer can pay more than the minimum amount due, but it will be applied to the month in which it was receivedAs a courtesy to our Fingerhut customers, payment reminder letters are sent out to our customers systematically as a reminder that they have a minimum due coming up, and include information on when they need to make the payment by so a late fee is not applied to the account
We have referred this matter over to our specialist in order to stop future payment reminder letters from being sent to Ms***
Ms*** has a zero balance and a credit limit of $1,
Our customers are very important to us and we strive to assist and satisfy themI trust with this explanation we have done so with Ms***
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/CC

CONFIDENTIAL COMMUNICATION
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September 8, # ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # ***- ***, ***
Dear Ms***,
I am writing in response to the recent inquiry that we received from your office on behalf of Mr*** regarding a WebBank/Gettington Credit Account
Mr*** states he accidently made a payment for the full balance amountThis has resulted in overdraft fees from his bank due to Gettington not being able to reverse the paymentHe would like to have this payment he made reversed and any overdraft fees to be creditedMr*** also states that there should be security measures in place to ensure this cannot happen
Our records indicate Mr*** made a payment in the amount of $through our website on August 21, He contacted Gettington on August 22, stating he made a payment accidentlyOn August 29, Mr*** was told he would need to contact his bank to get the payment reversed
Per Mr***’s request, on September 8, the amount of $has been refunded to Mr***’s credit card ending in ***He should allow 3-business days to receive this refundWe were able to refund the payment amount, however for any overdraft fees, Mr*** will need to contact his bank to have them reversed
In regards to Mr***’s concern about security, please be advised that we take account security very seriously, and have rigorous measures in place to protect our customer’s accounts, such as multi-factor authentication and password protectionThere is responsibility on the customer to ensure they are practicing safe online measures, such as signing out of one’s account
If Mr*** has any further questions he may contact Gettington Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time
Thank you for allowing us to explain and assist
Sincerely,
Vi ***
Executive Care Team

I did my Christmas shopping early and did it all at FingerhutI paid $plus $in shippingThe entire order was shipped to Chicago, Illinois I live in Atlanta, GACustomer service first said I need to fill out an affidavit did thatThey write me back saying that they found it and I can go get itI then explained to them I was in Atlanta and they in turn told me that I need to go and get a police reportWhere in customer service does the customer do all the leg work for your mistake

April 22,
0pt; text-align: left;" align="left">
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** ***
Case #: ***
Dear Ms***,
I am writing in response to an inquiry received from your office on behalf of Mr*** *** regarding his Fingerhut FreshStart Installment Loan account provided by WebBank. We have included Terms & Conditions, Truth in Lending Agreement, account activity and the last three monthly statements
Mr*** states Fingerhut is adding late charges to his accountHe further states he has contacted Fingerhut regarding his payments and that he has paid one month aheadMr***’s desired resolution is to have the account corrected
Our records indicate that on December 7, 2015, an application for credit was processed with a representative using Mr***’s name, address and social security numberThat same day an order was placed with a representative for a Presto Tilt ’n Drain Big Griddle and an alcove Solid-Color Reversible Comforter - KingThe merchandise was shipped December 14, via UPS to the same address as provided on the application
We have received a total of five payments on this account including the required $down payment
According to our research, Mr*** contacted Fingerhut on April 12, and he was informed that the payments received in February and March were less than the minimum amount due which resulted in two $late fees to be applied to his account
Our records indicate, Mr*** made a payment on April 19, 2016, for $16.00. Two late fees totaling were credited as a courtesy on April 20,
On April 20, 2016, Mr***’s account is current with a remaining balance of $Mr***’s next statement, which will be generated on May 7, will reflect his updated balance and minimum payment due
If we can be of further assistance, Mr*** may contact our Customer Service Department at ###-###-#### Monday through Friday 8am to 8pm CST
Thank you for the opportunity to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa
Enclosures

Initial Business Response /* (1000, 7, 2015/06/12) */
CONFIDENTIAL COMMUNICATION
June 12,
#
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # ***- ***, ***
Dear Ms***,
I am
writing in response to the inquiry that we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate an order was placed for a Master Craft 18V Drill and Circular Saw w/Batteries on September 14, On September 24, Mr*** contacted us and advised the saw was damagedThe agent advised Mr*** that he could return the saw for an exchangeHowever, due to the drill and saw being sold together as a set, our return policy requires both items to be returned and an exchange would be completed for the setOn October 7, the return was received of the saw onlyIn accordance to our return policy, the return was denied and an email was sent to Mr*** advising him to return the drill within days for the exchange to be completedThe email also advised Mr*** if the drill was not received within the day time frame the saw would be disposed of on November 7,
We did not receive the return of the drill and the saw was disposed ofWe sincerely apologize Mr*** did not receive the email advising him of our handling of the return
As a courtesy to Mr***, we are sending a replacement for the sawPlease allow days to receive the replacement
As a reminder, timely payments are important and the minimum payment is required by the due date each monthWhile we understand Mr***'s frustration regarding the damaged saw, this was and is not sufficient grounds to relieve a customer of their payment obligation on outstanding debt
We realize Mr*** was likely withholding payment as a result of not initially receiving credit for the tabletThis was and is not sufficient grounds to relieve a customer of their payment obligation on outstanding debt
On the reverse side of each monthly billing statement are a series of disclosures informing and advising customers on various aspects of their accountThe section titled "What To Do If You Think You Find A Mistake On Your Statement" explains the required steps necessary to file a formal dispute in this regardIt states, in part:
"You must contact us within days after the error appeared on your statementYou must notify us of any potential errors in writingYou may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in questionWhile we investigate whether or not there has been an error, the following are true:
We cannot try to collect the amount in question, or report you as delinquent
The charge in question may remain on your statement, and we may continue to charge you interest on that amountBut, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount
While you do not have to pay the amount in question, you are responsible for the remainder of your balance
We can apply any unpaid amount against your credit limit."
The minimum payment reflected on the statement printed on June 7, is $which includes a past due amount of $As a courtesy we have removed two late fees from Mr***'s account for a total of $The credits issued will appear on a future statement
We appreciate Mr***'s patience while we reviewed his accountThank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw

CONFIDENTIAL COMMUNICATION
March 16,
# ***
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Cir
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am
writing in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our investigation confirms that Ms*** purchased a MyHome Tall Wine Cabinet on August 22, On September 24, 2013, she contacted us regarding missing parts to the cabinet, and the phone agent sent a shipping label to her 'c***@yahoo.com' email so she could return the item
However, we never received the return and did not hear from Ms*** until several months later when our Billing/Recovery Department made contact regarding her past due balanceBy this time, the item could no longer be returned as the day timeframe allowed by our return policy had already passed, and Ms*** resumed payments on it as of April She paid the balance in full with the final payment received on December 31,
We have received and responded to all of the disputes Ms*** filed with the credit bureaus regarding this matter and her Fingerhut accountThe determination made for each was that we had reported her account accurately and no changes and/or deletion of the trade-line would be made
On October 12, 2015, we received an email from Ms*** requesting that we close her account, and delete the associated credit reporting fileWe replied on the same date that her account had been closed per her requestHowever, it was not closed due to an oversight on our part, for which we sincerely apologizeHer account was closed upon receipt of this inquiry
In regards to her credit reporting, we maintain that her account was correctly reported to the bureaus and that it cannot be changed or deleted as we are required to furnish accurate reporting in accord with the Fair Credit Report Act
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah

Exorbitant interest rates, poor customer service, do not follow their own policiesThere are similar, better companies to do business withDo yourself a favor and avoid Fingerhut

I am rejecting this response because:
They claim they are willing to help but refuse to accept any payment arrangementsI will definitely recommend that nobody ever open an account with them

Initial Business Response /* (1000, 6, 2015/12/10) */
CONFIDENTIAL COMMUNICATION
December 10,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I
am writing in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut FreshStart Credit Account
The account Ms*** is referring to does not reflect that she is the account holderIn the interest of customer confidentiality, we have sent a response directly to the customer
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah

Initial Business Response /* (1000, 5, 2014/10/17) */
CONFIDENTIAL COMMUNICATION
October 17,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am
writing in response to the inquiry that we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
It is in regards to his order dated May 2, for a Seiki 32" 720P LED TVOur records show Mr*** first contacted us on October 2, to report a problem with the TVOur phone agent correctly advised him that any requests to repair or replace the device should be referred to and handled by the manufacturer warranty (which is in accordance with the terms and conditions of our Return Policy covering TVs)Mr*** was also provided with the manufacturer warranty contact information at that time
We are uncertain whether Mr*** has already contacted the manufacturer for assistance with his TV as it is not stated in the inquiryHowever, we want to reiterate that he is outside the timeframe stipulated in our Return Policy, which prevents us from repairing, exchanging or otherwise remedying this matterThe correct provider of the warranty - and Mr***' best recourse for assistance with the TV that we strongly advise he contact - is:
HKCDigital USA, Inc
Phone: ***
Email: [email protected]
In the event it is requested by the warrantor, we are sending Mr*** a copy of the proof of purchase invoice showing he purchased the TV from FingherhutHe should allow up to ten days to receive it via regular U.SMail
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2014/10/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
because they don't even carry the product anymore so I feel they need to replace it with another TVor I will no longer pay for it that is the bottom line this has been on going for over weeks already how could I call the manufacturer if they don't answer the phone or I get disconnected I am done with this someone better give back a refund or somethingThank you
Final Consumer Response /* (4200, 15, 2014/11/05) */
I am sorry *** just doesn't want the TVwhat part does Finger Hut don't understand he was on the phone with them and they kept on saying we will give you another TVBut *** told them No end of story he is really upset about this whole deal!!!! going on for the past month 1/nowjust want to get credit for the TV
***copied and pasted from email
Final Business Response /* (4000, 17, 2014/11/13) */
CONFIDENTIAL COMMUNICATION
November 13,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the further inquiry that we received from your office on behalf of Mr*** ***
Per the terms and conditions of our Return Policy covering television purchases, "returns will not be accepted for credit after days." As stated in our first response, we were first notified of the problem with the TV on October 2, However, the TV was purchased on May 2, 2014, which means that the timeframe to return the TV to us for credit had been exceeded when we were first notified
As a courtesy to Mr***, we facilitated having the vendor and warranty provider of the TV send him a replacementThe vendor confirmed to us that they have already sent Mr*** a new TV, which he should have already received
Please understand that as he does not qualify for credit and has received a new TV, Mr*** remains responsible for payment of any balance still owing on it
Thank you for allowing us to assist and explain, and we consider this matter closed
Sincerely,
***
Executive Care Team
VF/ah

Initial Business Response /* (1000, 5, 2014/05/22) */
CONFIDENTIAL COMMUNICATION
May 21,
Revdex.com of Minnesota #***
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms***
***
Case #: ***
Dear Ms***,
We are writing in response to a complaint received in your office on behalf of Ms*** *** regarding her WebBank/Fingerhut credit account
Ms*** has stated that she paid off her Fingerhut account and that we are now charging her fraudulent chargesShe has requested that her Fingerhut account be closed and that we cease and desist from contacting her to collect the debt on her account
Our records show that Ms*** had a balance due of $with a minimum payment due of on $due by January 24, Ms***'s $payment was posted to her account on February 16, A late fee and interest charges were added to Ms***'s account when the account became delinquentThe February statement reflected those charges, $and $respectivelyUpon receipt of Ms***'s complaint, the balance is $from additional interest and late fees
As a courtesy, the balance on Ms***'s account has been forgiven and her balance is now $A letter verifying an account balance of $has been sent
Her account was closed on March 19, when she called our customer service departmentAs the payment center is in New Jersey, the written request she included with her payment may have been lost and not forwarded to our Minnesota office
Ms***'s account is now closed to future purchasesEffective immediately, additional purchases on this account will not be allowedMs***'s may order from Fingerhut using Visa, MasterCard, or Discover to pay for future orders
The Cease and Desist Ms*** requested is active as of May 19, and a letter has been sent confirming this actionThe cease and desist means no further call attempts will be made, or written communication sent, unless Ms*** notifies us in writing that she would like to revoke the Cease and Desist
Sincerely,
***
Executive Care Team
VF/ljg

Initial Business Response /* (1000, 5, 2014/12/10) */
CONFIDENTIAL COMMUNICATION
December 10,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am
writing in response to the inquiry that we received from your office on behalf of *** *** regarding a WebBank/Fingerhut Advantage Credit Account
We sincerely apologize to Ms*** for any difficulty she has encountered with her change of address
Please allow us to explain that customers without an established payment history (in most cases "new" customers like Ms***)If the customer needs to make an address change, they must undergo a series of security questions to verify they are the rightful account holderAlthough this can be perceived as a considerable inconvenience by our customers, it is a service and precaution we provide them for their protection as well as our own
The program we use to administer the security question process determines whether the address may be changed immediately or whether to refer it to our Credit Risk Department for further reviewIf Ms*** would like to proceed placing an order, she should call this department at: ***, Monday through Friday, 8am to 5pm Central Standard Time
I have placed a note on Ms***'s account so she may be eligible for a 30% discount on one order as providing the order is placed by December 19,
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ca

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meThank you, I greatly appreciate this matter being resolvedI only ask that this be removed from my credit report ASAP
TThank you!

Initial Business Response /* (1000, 5, 2014/11/28) */
CONFIDENTIAL COMMUNICATION
November 28,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms
***,
I am writing in response to the inquiry that we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
We apologize for any frustration Ms*** experienced as a result of the issue outlined in the inquiryIt is vital that our agents make every effort to ensure the information they provide to customers is accurate and conforms to our policies and procedures
Our records support that one of our phone agents spoke with Ms*** when she phoned in on November 11, The account notes left by the agent reflect the information in the inquiry - that Ms*** requested to defer out one extra month her upcoming payment dueOur records indicate she was incorrectly advised that we have a provision to allow this and would grant her request - and we again apologize
Ms*** was soon advised--in response to her follemail that was copied into the inquiry--of our actual policy: "we are not able to suspend of reduce the amount due on your current statementIf the payment is not received by the due date, you may be billed a late feeOnce the payment becomes past due, we will contact you to make payment arrangements."
As Ms*** was previously reassured she would not incur a late fee for not making a payment this month, we have already credited itIt will reflect on a future monthly statement in the amount of $After careful review of the reporting history of Ms***' account, there has been no negative report to the credit bureaus in regards to this matter
Thank you for allowing us to assist and explain
Sincerely,
***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2014/12/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They said it themselves
I was promised the option to defer my payment and they're not standing by what their representative promised me
Final Business Response /* (4000, 9, 2014/12/10) */
CONFIDENTIAL COMMUNICATION
December 8,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the further inquiry that we received from your office on behalf of Ms*** ***
As a reassurance to Ms***, making a double payment totaling $($for both November and December 2014) on or before her next due date of December 20, will pay her account current and back into good standingIf this payment is made as instructed, there will be no negative impact to her credit file
Please understand our previous response was an attempt to explain our policy does not allow us to accommodate customer requests to suspend or reduce the monthly paymentBecause it appears Ms*** was provided incorrect information, we ensured she received no penalty as a result of the missed payment for November For this reason, she has already been given credit for the $late fee, which she will have documentation of when it appears on her upcoming monthly statement
As a final reminder, this matter has not resulted in any negative impact to Ms*** Fingerhut Account or to her credit fileShe may make a double payment by her December due date as she originally requestedWe apologize for any confusion this matter may have caused
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ah

CONFIDENTIAL COMMUNICATION
0pt;">
September 14, # ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** *** ***
Dear MsCarlson,
I am writing in response to the recent inquiry that we received from your office on behalf of Mr*** *** regarding a WebBank/Gettington Credit Account
Mr*** states he purchased two Samsung cellphones from GettingtonThe first cellphone is defective, and the second cellphone remains operativeMr*** states he contacted Samsung to have the cellphone serviced under the warranty, however Samsung was unable to service the cellphoneHe keeps getting referred back to Samsung and they are unable to assist himMr*** would like to have both phones replaced with new models
Our records indicate Mr*** purchased a Samsung Galaxy Grand Prime 5" 8GB Unlocked Android Smartphone on December 2, He purchased an additional Samsung Galaxy Grand Prime 5" 8GB Unlocked Android Smartphone on December 25,
We first received notification the cellphone was not working on August 17, At that time he stated he contacted the manufacturer and they were unable to assist him
Please understand that there are special restrictions on returns of cell phonesThis information appears immediately below the product description of the phone, and states: “Once shipped, only defective and damaged devices can be exchanged for an identical device on phonesDefective and damaged exchanges must be within days of purchase.” Due to the length of time that has passed since his purchase we are unable to exchange the cellphones
All of our electronic devices are shipped to customers in new conditionOccasionally, a customer will experience a problem with a device, as is the case with Mr***Mr*** did not purchase a warranty for this item and the return is out of our return policy timeframe
When a customer is having a problem with their Samsung device they should be contacting the distributer, JEG for warranty issuesMr*** should contact JEG at ###-###-#### with any issues he is having with the cellphones he purchased from GettingtonWe apologize he was not given the correct information the first time Mr*** contacted us
Thank you for allowing us to explain and assist
Sincerely,
Vi ***
Executive Care Team
VF/KS