Bluestem Brands, Inc.

Initial Business Response /* (1000, 7, 2015/02/26) */
CONFIDENTIAL COMMUNICATION
February 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 inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records confirm an overpayment in the amount of $700 was made to Ms. [redacted]'s account in November 2014 as a result of an encoding error on our part. The payment method was a personal check sent regular U.S. Mail, and the correct intended amount was $100. Despite the "1" being written in a way that could reasonably be perceived as a "7" and the dollar figure not being spelled out long form on the check, we sincerely regret and apologize for this error.
Her account notes indicate Ms. [redacted] telephoned us on December 4, 2014 first notifying of the overpayment, and the agent immediately referred the matter to the Payment Processing Department. They corrected it on December 5, 2014 by applying the correct payment amount of $100 and initiating an electronic refund of the remaining $600 back to the customer's bank through the regular banking system.
Ms. [redacted]'s bank would have been notified of this transaction and prompted to accept and process it in order for the funds to be re-deposited into her bank account. It is very likely this has already occurred as we no longer have these funds. If Ms. [redacted] maintains it has not, we ask that she fax us documentation (bank statement/transaction log) showing all transactions for her account from December 5, 2014 to the present. The fax number is [redacted], Attn: [redacted]; once received, we will further investigate this matter.
Additionally, Ms. [redacted]'s Fingerhut Account reflects a $0 balance as of the date of this letter.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah

Initial Business Response /* (1000, 5, 2015/11/18) */
CONFIDENTIAL COMMUNICATION
November 17, 2015
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.
Unauthorized account set up and activity is a serious matter, and we have certain procedures in place to assist those making this type of claim.
Our records indicate on November 11, 2015 a legal affidavit was sent to Ms. [redacted]'s address [redacted] Pittsburgh, PA 15236. Once this document is received out Credit Risk Department will update the account as fraud and no additional activity will be allowed. At that time we will also notify the credit bureaus and the trade lines will be deleted.
As we understand the urgency and severity of the situation, Ms. [redacted] may fax the legal affidavit to [redacted], Attn: Kristina.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 7, 2015/12/01) */

I have had a really bad dealing with this company. says items are available on there site and yet 4 weeks later I still have not had my order processed. that's falls advertisement.

Initial Business Response /* (1000, 5, 2015/12/22) */
We have attempted to reach the customer tice, on 12/17/2015 and 12/18/2015. Both times we received a voice mail and were not able to leave a message as the recording stated that the mailbox was full. We would like for Mr [redacted] send...

in a copy of the bank statement that reflects the NSF charges that have been accrued since September so that we can review them for reimbursement. They can be faxed to [redacted]. We can be reached in customer service at [redacted].
Complaint Response Date bumped because: Holiday
Initial Consumer Rebuttal /* (3000, 7, 2015/12/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response for the following reason:
request of breakdown still not received and my wife works from home so she is always available to answer the phones. In addition, I have requested numerous emails a few included. I will reach out to my bank to get proof of fees and charges as I have done in the past. Biggest concern with calling your office is no consistency in information received
Final Business Response /* (4000, 12, 2016/01/07) */
I left a voice Message for Creg on 1/5/16 advising that a statement of all account transactions was e-mailed to him at the e-mail address on file and left my phone number. I also disabled any future ach withdrawals on the account and credited the $.13 balance. On 1/7/16 I spoke to his wife Trina and she did confirm he received the statement but had some questions. I could not discuss the account without first speaking to Creg but he will try to call this evening to verify account activity.
Final Consumer Response /* (2000, 14, 2016/01/18) */

This is the fourth time I have ordered an item and the delivery day is not what is promised without and compensation on shipping costs. Last year the item came after Christmas and was promised a 20% refund but never got it. Their customer service is very poor.

CONFIDENTIAL COMMUNICATION
 
New Roman" size="3"> July 5, 2016                                      ...⇄ #[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 she states was fraudulently opened in her name.
 
Our records indicate that Ms. [redacted] notified us on June 23, 2016 that she had received merchandise that had been ordered on an account in her name, which she did not open.  She also advised us that she would be sending the merchandise back to us. We have received the return of the merchandise, and as of July 5, 2016, the entire order has been credited back to the account.
 
After speaking with Ms. [redacted] on June 23, 2016, the representative she spoke with put a hold on the account so that no other purchases could be made, without additional verification being completed by Ms. [redacted] with our Fraud Department.
 
Under separate cover, we have sent Ms. [redacted] an Affidavit of Unauthorized Use to complete – once completed, Ms. [redacted] should return the affidavit to us either by faxing it to ###-###-####, attention Vi, or by mailing it to us at [redacted] St. Cloud, MN 56303. 
 
Once we receive the completed affidavit, our Fraud Department will investigate the situation and ensure all appropriate updates  are made to the account and Ms. [redacted]’s credit report.
 
Please assure Ms. [redacted] that the hold will remain on the account until the investigation is complete, so no additional orders can be placed. 
 
Thank you for this opportunity to explain.
 
Sincerely,
 
Vi [redacted]
Executive Care Team

Initial Business Response /* (1000, 6, 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 inquiry that we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate an order placed on December 4, 2014 for a Dell Inspiron Laptop for a total with shipping and handling of $349.98. The order was shipped and delivered to [redacted]. Miami, FL. 33147.
Unauthorized account registration and activity is a serious matter, and we have certain procedures in place to assist those making this claim. An affidavit of "Unauthorized Use" was sent to Mr. [redacted] on April 2, 2015 to complete and return to us. Our records also indicate Mr. [redacted] was advised he needed to file a police report and return it with the affidavit. On May 5, 2015 we received the completed affidavit; however, we did not receive a copy of the police report.
Once our Credit Risk Department has received the police report, they will conduct the investigation and notify Mr. [redacted] by mail of the outcome, including any corrective measures/adjustments made to his credit file. Mr. [redacted] should allow up to 15 days from the date he mails the police report for this process to be completed.
We appreciate Mr. [redacted]'s assistance and patience. Thank you for allowing us to assist and explain.
Sincerely,
Vi F[redacted]
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (3000, 8, 2015/05/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The affidavit gives them full authorization to prosecute and investigate. I exhausted my paid days off and cannot take any time off from work to resolve something that is not mine. They refuse to release the name and cardholder info of the person making payments. At this point in time I have opted to move forward with a lawsuit for damages, loss wages. Please supply all payment information names credit card numbers and signatures along with id supplied at time of account opening. Also please escalate this matter to your legal department. This is a notice of intent to proceed with a civil suit seeking damages. I was recently passed up for a higher position at work due to this delinquent account that isn't mine.
Final Consumer Response /* (4200, 19, 2015/06/12) */
[redacted]Document Attached[redacted]
Police report case number attached, immediate removal requested
Final Business Response /* (4000, 23, 2015/06/24) */
CONFIDENTIAL COMMUNICATION
June 24, 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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our Credit Risk Department has completed their investigation, confirmed the account's fraudulent status, and marked it accordingly. Mr. [redacted] should be receiving a letter confirming the handling of the account and that the credit inquiry and trade-line will be deleted from every bureau on which they appeared within 10-15 days.
We understand Mr. [redacted] is requesting the complete bank account number and routing number as well as the entire account number associated with the Visa Debit Card in regard to the payments we have received on this account. Please understand that customer confidentiality and the safe keeping of their records are among our top priorities. Due to the sensitive nature of the information we cannot provide the complete details to Mr. [redacted]. The information previously provided should be adequate for him to verify with his financial institution if the payments were made from his personal bank account(s).
In order for us to supply the full bank account number that Mr. [redacted] is requesting that was used on this account to make payments, a subpoena will need to be submitted by the investigator (Miami-Dade PD in this case). Once our Legal Department approves the submitted subpoena, we will be able to supply the investigator with full account information, including the full bank account number. Unfortunately we are not able to supply Mr. [redacted] with the full bank account number directly, as he is stating the Fingerhut account is not affiliated with him.
Having provided all information available to us, we consider this matter closed. Thank you for allowing us to explain.
Sincerely,
Vi F[redacted]
Executive Care Team
VF/bw

CONFIDENTIAL COMMUNICATION
 
July 1, 2016                                      ...⇄ #[redacted]
                                   
Revdex.com of Minnesota                                   �...⇄
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
 
Re: Case # [redacted] – [redacted], [redacted]
 
Dear Ms. [redacted],
 
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
 
Ms. [redacted] has requested that we drop all of the late charges applied to her account at the time she was unable to pay them, due to a family emergency. She states she can begin to make payments in July, if they are set to her previous monthly minimum amount.
 
Due to the stage of delinquency of Ms. [redacted]’s account, she has not received a late fee since March 9, 2016.  While we are unable to remove any late fees that have been applied to her account, our payment plans are designed to help pay the remaining balance on the account going forward. We do not show that Ms. [redacted] has called us to make these payment arrangements as of yet, and we encourage her to do so as this may prevent her account from charging off and potentially being sold to a third party collections agency.
 
Again, the phone number for our Payment Department is ###-###-####. Ms. [redacted] should request a payment plan to decrease her monthly payments during this stressful time.
 
Sincerely,
 
 
 
 
Vi [redacted]
Executive Care Team
 
VF/jm

Initial Business Response /* (1000, 7, 2015/08/14) */
CONFIDENTIAL COMMUNICATION
August 13, 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 Advantage Credit Account.
We have certain procedures in place to assist those who claim unauthorized activity on their account. Ms. [redacted]'s account was referred to our Credit Risk Department for further review as a result.
Their records confirm that one of their representatives first spoke with and advised Ms. [redacted] regarding her claim on June 23, 2014. Ms. [redacted] stated to the phone agent that her then spouse ordered without her authorization the Simply Calphalon 14-piece Hard Anodized Cookware Set via the Fingerhut website. As her spouse did not have an account with us to transfer the balance to, the agent advised Ms. [redacted] that her best recourse was to file a police report for identity theft/unauthorized purchase activity or have the spouse fax a signed/dated statement assuming responsibility for the orders and the required payments owed on them.
To date, we have no record of receiving either the faxed statement or police report. Please understand that without a police report we will be unable to perform the necessary investigation and Ms. [redacted] will remain responsible for payment.
While we sympathize with Ms. [redacted]'s situation, we are applying the policy the same for her as we would for any customer with similar circumstances. To expedite, Ms. [redacted] may fax a copy of the police report or a written statement from the spouse to [redacted], Attn: Andy or via regular mail to [redacted]., St. Cloud, MN 56303. Once received, we will further investigate this matter.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 9, 2015/08/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
A charge was made on the account that wasn't authorized & my aterney faxed a letter. Steve will not take responsibility for the charge. Since the company authorized the charge, and the order said "[redacted]" & there is no [redacted] on the account. It was their mistake they need to reverse it whether it's $5 dollars or $500.
Final Consumer Response /* (2000, 34, 2015/10/29) */
Final Business Response /* (4000, 33, 2015/10/29) */
CONFIDENTIAL COMMUNICATION
October 29, 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].
The notarized affidavit Ms. [redacted] provided has been deemed acceptable for the purposes required by the Credit Risk department. This completes their investigation, and the order in question has been marked as fraud.
The related balance has been cleared and removed from Ms. [redacted]'s account, and it reflects a $0 balance as a result and as of the date above. All interest charges that accrued on the order have been credited back to the account.
All payments Ms. [redacted] made towards the order are being returned to her in the form of a refund check totaling $356.89. It is being sent regular mail to her address on file of [redacted]. NE, Keizer, OR 97303; she should allow 10 to 15 days from the date of this letter for it to arrive.
To close the account, Ms. [redacted] should contact Customer Service at [redacted]. She is also assured that a "hold" still remains and will continue to remain on her account. In the event she should want to again use it, she would need to contact the Credit Risk Department at [redacted] in order to remove the hold. Their hours are Monday through Friday, 8:00 a.m. to 4:30 p.m. Central Time.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah

Initial Business Response /* (1000, 6, 2015/06/26) */
CONFIDENTIAL COMMUNICATION
June 26, 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 Mr. [redacted] regarding a WebBank/Fingerhut FreshStart Account.
Our records indicate since November 19, 2011 there have been 46 orders placed on Mr. [redacted]'s account. All of these orders have been for men's shoes. There have been two orders that have shipped and both were delivered to the address Mr. [redacted] included in his inquiry. The remaining orders have all been cancelled. All of the orders except one have been placed on our website. The only email address that has been listed on this account is the same one Mr. [redacted] included in his inquiry.
Unauthorized account registration and activity is a serious matter, and we have certain procedures in place to assist those making this claim. On January 18, 2015 an order was placed for a pair of New Balance Men's 780 Running Shoes in Silver/Red size 12. At the time of the order being placed a down payment of $30.00 was requested per the terms and conditions of the Fingerhut FreshStart Account. The down payment was made through a checking account ending in 4319. Mr. [redacted]'s financial institution returned the payment to us because the bank account associated with the payment information that was provided to us at the time of the order was closed. The order shipped on January 26, 2015 and according to the tracking information was delivered on January 31, 2015 at 2:01 PM to Mr. [redacted]'s address.
We have also received recent payments on June 21, 2015 for $60.00, June 22, 2015 for $52.16, June 23, 2015 for $52.16 and on June 24, 2015 for $3.27. The payments were made using a checking account ending in 5156. We allow 10 days for the payment to clear through the financial institution.
In order for an investigation to be completed regarding the merchandise Mr. [redacted] states he did not order or receive our Credit Risk Department will require a police report to be filed and a copy of the report. Our records indicate Mr. [redacted] contacted our Customer Service Department multiple times on June 25, 2015 advising us that he has filed a police report however we were unable to obtain all the information required for our investigation. Mr. [redacted] spoke with a Supervisor and advised that he would be mailing a copy of the police report to us. Mr. [redacted] should allow 10 days for the report to be received. Our Credit Risk Department will contact Mr. [redacted] by mail once their investigation is complete. Until the investigation is completed no orders may be placed on the account.
We appreciate Mr. [redacted]'s patience while we researched his concerns and thank you for allowing us to explain and assist.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (2000, 8, 2015/06/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I ahve a police report in from of me

CONFIDENTIAL COMMUNICATION...


May 6, 2016
Revdex.com of Minnesota                                   �...⇄ # ***
Attn:  *** ***
220 S. River Ridge Cir.
Burnsville, MN  55337
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.
Mr. *** states that Fingerhut has allowed another company to bill him. He states that he never agreed to the enrollment of this company’s services.  Mr. ***’s desired result is to have all charges from Holsted credited back to his account. Our affiliated company, Holsted Jewelry, is a provider of continuity programs. A continuity program is a collection of products for which the customer signs up by accepting an initial product offering, and is shipped/billed for additional products automatically.
We obtained an audio recording of Proof of Enrollment on February 26, 2015 between a Holsted representative and Mr. ***. He telephoned them with a gift code to receive two free rings. The representative advised that, as a Fingerhut customer, Mr. *** would be billed only the $6.99 shipping/handling cost of each free ring, direct to his credit account.
He was further advised that contingent on his acceptance of the free-ring offer was a consent for Holsted to send additional items for his examination. These would also be billed to his Fingerhut account. The representative further disclosed that if he preferred not to be sent additional pieces, he should return the customer service card enclosed with each shipment, as this would cancel the continuity program.
Holsted confirmed that a total of six regular priced items were billed at $56.98 each and sent to Mr. ***. However, their records show that as of this response, they received two of the six items as returns. On July 22, 2015, they issued two credits to his account for $49.99 each, the full merchandise price minus the $6.99 nonrefundable shipping/handling. On the same date, Mr. ***’s membership was cancelled and no additional items were ever sent/billed to his account. Until the remaining items are returned, Mr. *** remains responsible for payment of these.
Mr. *** should continue to communicate with Holsted Jewelry (###-###-####) directly for further assistance regarding the return status of the items or other questions/concerns relating to this matter. Thank you for allowing us to assist and explain.
Sincerely,
Vi ***
Executive Care Team
VF/ah

CONFIDENTIAL COMMUNICATION

Roman" size="3"> April 25, 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.

Our records indicate that the late fee was applied on January 3, 2015. The Pioneer iPod/iPhone/CD/MP3 Car Stereo w/ Bluetooth was returned on January 7, 2015. On this same date, Ms. [redacted]’s account was credited for the amount she paid -- $199.99. The product price was $249.99 and shipping and handling was $13.99, totaling $263.98, however she had a $50 discount. On January 20, 2015 the late fee credit was issued for $17.99 and an interest charge of $4.50. The account charged off on July 15, 2015.

Our return policy states that shipping and handling is nonrefundable on returns. However, our records confirm that on January 6, 2015 a representative offered to waive all charges. Therefore we have reversed the charge off and requested removal of the delinquency reporting from Ms. [redacted]’s credit report.

Thank you for allowing us to explain.


Sincerely,




Vi [redacted]
Executive Care Team

VF/jm                                     �...⇄

[redacted]

CONFIDENTIAL COMMUNICATION
 
New Roman" size="3"> June 15, 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 Mr. [redacted] regarding a WebBank/Fingerhut FreshStart Account.
 
Mr. [redacted] states he did not receive a statement for the months of November and December 2015. He asserts even though over the past few months we have received payments in excess of $130.00, accordingly we are still charging over $100.00 on this purchase, which he feels is not possible. Mr. [redacted] states that he was told the late fees that were incurred due to the oversite would be forgiven. He is concerned that his account also doesn’t reflect any available credit. Mr. [redacted] states he is making his payments every month, but still receiving letters and phone calls stating we have not received payments. Mr. [redacted] has stated that the late fees may have caused the minimum amounts to increase.
 
Mr. [redacted] has a Fingerhut FreshStart account issued by WebBank.  FreshStart is designed to assist potential customers that do not qualify for a revolving WebBank/Fingerhut Credit Account.  This program is a closed-end installment loan in which the customer makes a purchase that is within their assigned credit limit.  Once the customer pays off the loan in installment payments she or he may qualify for a revolving credit account. A $30.00 down payment is required when the order is placed.
 
Mr. [redacted]’s account indicates he placed an order on November 14, 2015 for a Farberware 15-Pc. Nonstick Dishwasher Safe Cookware Set and a Bella Diamonds Programmable Coffeemaker via the web. Per the terms of the FreshStart credit program, a customer’s order will not ship or be billed until a $30 down payment has been successfully applied towards the order. Records indicate Mr. [redacted] made his required $30.00 down payment at the time the order was placed.
 
Our records indicate the Truth in Lending Agreement was originally mailed to Mr. [redacted]’s address on file on November 18, 2015 and Mr. [redacted]’s first statement was sent on November 24, 2015 with a minimum payment of $25.16 due by December 20, 2015. Due to no payment being received, a late fee was assessed to the account per the terms and conditions Mr. [redacted] agreed to at the time he opened the account. Our policy is as follows:
 
A late fee will be charged to an account if the minimum monthly payment is not received on the due date indicated on the customer’s statement. The late fee will be up to $14.90 and will show on the customer’s last statement. Depending on the total fees charged during the program, the customer may receive an additional “balloon” statement at the end of the program, charging them for interest and any late fees.   
 
As a courtesy, we have credited Mr. [redacted]’s late fee of $14.90. We would not be able to credit any additional late fees, as our records show that statements were sent to Mr. [redacted]’s address on file each month. It is the responsibility of our customer to ensure we have the correct contact information on their account. 
 
Please understand, Mr. [redacted] does not need a physical statement in order to pay his bill, he can call our customer service to obtain the payment amount or to make the payment by phone, which is due on his account on the 20th of every month. Mr. [redacted] may also sign up for e-statements to be delivered to his email address.  To do this please sign in to the account, located in the top center of the web page at www.fingerhut.com.  Click on “My Account” at the top center of the webpage. Then click on “Statements” in the left hand column of the “My Account” page.  Half way down the page you will see the “Statement Delivery” section.  Follow the instructions in the box to select the preferred statement delivery method.
 
Records indicate Mr. [redacted] did set up a scheduled payment plan on January 10, 2016 for $25.00 each month, however, this was not enough to cover the past due amount on his account, therefore, Mr. [redacted]’s account incurred late fees.
 
While our records show that we have received payments on the 9th of each month beginning in February, the payments have not satisfied the minimum due amount. The customer must call us to increase the monthly recurring payments if the amount due has increased. Mr. [redacted] may contact us to set up recurring payments so his minimum payment will always be made or he may sign in to the account, located in the top center of the web page at www.fingerhut.com.  Click on “My Account” at the top center of the webpage. Then click on “Payments” in the “My Account” page and follow the instructions.  If Mr. [redacted] is unable to access your account online, please call our Customer Service Department at ###-###-####, Monday through Friday, 8 a.m. to 8 p.m. Central Time to make this change.
 
FreshStart is a closed-end installment loan and will not show an available credit. It’s designed to help customers graduate to a revolving Fingerhut Advantage account. Upon making all payments on time, the customer will have successfully completed the program. A Fingerhut Advantage Credit Account will then be set up for the customer, with a limit up to $250.00.
 
When a customer does not successfully complete the requirements of the FreshStart program, a retry account may be set up. The retry account is available for 6 months from the date of set up. If not used within that time frame, the customer will need to reapply to participate in the program again. If it has been more than one year since the customer first applied, they may need to reapply rather than receive a retry account.
 
Mr. [redacted]’s current balance is $101.32 with a minimum payment of $52.63 due by June 20, 2016.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
 
 
Vi [redacted]
Executive Care Team
 
VF/jm

I purchased two big items from this company. The first purchased came after about a week and a half and it was defected. I called and they informed me to return the item and they would replace it. I returned the item and it took about 11 days before they finally confirmed the item was defected. I waited for a replacement never received. I checked my account an saw they just credit my account and not replace the defected item. I once again gave them another try and purchased another big item, it came also defected. So I called them again and they said send it back. I tell the agent this is the second defected item in roll I purchased and now you asking me to return and wait again? They said yes. I thinking once it ok but twice in a roll you think they ship you out ASAP a new item. The customer service is no help they like programmed so you really get no genuine concern from them. I recommend you not to buy from this company, save yourselves the headache.

Initial Business Response /* (1000, 5, 2014/03/12) */
CONFIDENTIAL COMMUNICATION
March 12, 2014
Revdex.com of Minnesota
Attn: [redacted]
220 South River Ridge Circle
Burnsville, MN 55337
# [redacted]
Re: Mr. [redacted]
Case# [redacted]
Dear Ms....

[redacted],
I am writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Account.
Upon review of Mr. [redacted]'s account, his billing statements are sent on the 1st of the month and indicate that a payment is due on the 27th of the month. If the payment is not received by the due date our Payment Department will make reminder calls to our customers to inform them a payment is due.
On February 28, 2014 Mr. [redacted] paid his balance in full on his account and contacted us over the phone and requested his account to be closed.
As of today Mr. [redacted]'s account has a zero balance and his account has been closed per his request. Mr. [redacted] will no longer be receiving payment reminder phone calls.
Thank you for allowing us to explain.
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2014/10/23) */
CONFIDENTIAL COMMUNICATION
October 22, 2014
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 inquiry received from your office on behalf of [redacted] regarding calls being received on a WebBank/Fingerhut Credit Account.
[redacted] states that Fingerhut is calling multiple times a day and cannot locate the number on any account in order to remove it from our system.
Our records indicate that phone number [redacted] was removed from a customers account on October 12, 2014.
If the number listed above is not the number [redacted] is receiving calls on, please contact Fingerhut customer service and provide the correct number for removal. Customer Service can be reached Monday -Friday 8:00 am to 8:00 pm at [redacted].

We apologize for the inconvenience this situation caused [redacted].
Sincerely,
[redacted]
Executive Care Team
VF/ljg

Initial Business Response /* (1000, 5, 2015/08/20) */
August 19, 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] claims that she did not receive the Dog Trainer Remote and Collar that was ordered on June 1, 2015. Our records indicate that the item was delivered on June 4, 2015 with a tracking number of [redacted].
When a customer states they have not received the merchandise ordered, Fingerhut has policies and procedures in place in order to conduct an investigation. Our records indicate that an affidavit of "non-receipt of merchandise" was sent to Ms. [redacted] on June 29, 2015, July 31, 2015 and August 18, 2015. To date we have not received the completed affidavit.
Ms. [redacted]'s account is a revolving account, which means there is a required minimum amount due each month. Late fees accrue on an account if we receive payments past the scheduled due date or if the payment received has not met the required amount due. Late fees are explained in the Terms and Conditions she accepted when she opened the account. Our Payment Department will phone our customers with payment reminders when a payment is not received by the due date.
Additionally, the customer has an item that was ordered on March 4, 2015 that she is responsible for. Ms. [redacted] should continue to make her minimum payments until the investigation is complete. At this time, the minimum amount is $86.97 due September 3, 2015.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
Initial Consumer Rebuttal /* (3000, 7, 2015/08/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I absolutely do not accept the response by Ms. [redacted] on behalf of Bluestem Brands/Fingerhut. She did not address the issue's. This company received written documentation that was sent via certified mail with return receipt requested. I have stated more than once that I did not receive the item that I ordered from this company. Yet it has been implied that I am either lying or that I have stolen the merchandise by others that I have communicated with. This company seems to believe that it is beyond the laws. I have stated more than once that the 'affidavit' is not a legal binding document. This company is fully capable of investigating my 'claim' that I did not receive the item with or without the 'affidavit'. I demand that they do so. I have been subjected to defamation and discrimination by the actions and words of more than one representative of this company. I now demand that MS. [redacted] provide the information. Ms. [redacted] failed to address the fraudulent information that has been placed on my credit report/files. Ms. [redacted] 'claims' the company has not received the documentation required to investigate my claim. This is a bald faced lie! As previously state I have made a monthly payments on this account for the item that I did receive. I refuse to make payments that include an amount for an item that I have not received! Ms. [redacted] claims that their are charges for late fee's. This late fee's are a direct result of charges on this account for the item that I did not receive. Additionally, my due date was arbitrarily changed without notice, following my first complaint/dispute regarding the charges.
This company is so concerned with any issue that I may or may not have encountered with the US postal service. Yet, how many items have been returned to this company and this company has denied the receipt of the item? Yet, this company has implied that I am lying. It has also been implied that I may have received the item and in some way benefitted monetarily from this item. In other words, I have been accused of 'possibly' selling the item. It has been suggested that I need to be concerned that this may be turned over to the company's "legal" department. So that there is no mistake, I am not going to sit here and quiver with fear, over that implied threat. In fact, I will look forward to meeting with someone from the fingerhut legal department. I fully expect Ms. [redacted] to provide ALL of the requested information immediately!
Final Business Response /* (4000, 12, 2015/09/08) */
CONFIDENTIAL COMMUNICATION
September 3, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Please understand that when a customer tells us that he/she did not receive an item, we take this issue very seriously and do not mean to imply that the customer is lying when we request an affidavit to be submitted.S
As explained previously, when a customer states they have not received the merchandise ordered, Fingerhut has policies and procedures in place in order to conduct a thorough investigation and ensure the account is handled appropriately. Because we have not received the compelted affidavit from Ms. [redacted], we have unfortunately been unable to proceed with the investigation.
If Ms. [redacted] is able to obtain a paper copy of a police report, she should mail this along with the completed and signed affidavit to Fingerhut: 6250 Ridgewood Road St. Cloud MN 56033 or fax to [redacted]. If she is unable to obtain a paper copy, she should include the officer's name and badge number along with the case or file number for the police report on the affidavit.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm

Initial Business Response /* (1000, 5, 2014/04/21) */
CONFIDENTIAL COMMUNICATION
April 21, 2014

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 an inquiry received from your office on behalf of Ms. [redacted].
We are unable to locate an account for Ms. [redacted] with the information she provided in her complaint. Ms. [redacted] does mention the account she is referring to is 20 years old.
She may be referring to a former Fingerhut account. Please allow me to explain.
Fingerhut Companies ceased operations in April 2002. Fingerhut, which is a separate entity, began operations in November 2002. Although similarly named, the two are not affiliated.
The accounts issued by [redacted] National Bank were transferred to [redacted] Corporation which is based in Atlanta, GA with offices in St Cloud, MN. Their address is [redacted], St. Cloud, MN 56302 and their fax number is [redacted].
We recommend Ms. [redacted] contact [redacted] at the address above for additional assistance.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ca

Initial Business Response /* (1000, 5, 2014/09/11) */
CONFIDENTIAL COMMUNICATION
September 11, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]
Dear Ms. [redacted],
I am...

writing in response to the inquiry that we received from your office on behalf of [redacted] regarding the fraudulent order on his WebBank/Fingerhut Advantage Credit Account.
On June 28, 2014 the entire amount of the order placed on March 25, 2014 was credited back to his account, including the shipping and handling for the order in the amount of $1,471,98. The service plan that was attempted to be ordered was returned to the account on April 01, 2014 and credited at that time in the amount of $182.99.
These transactions are visible on the statements dated April 01, 2014 and July 01, 2014. As an exception, I have credited three late fees on the account totaling $97.00. The remaining account balance due in full at this time is $160.57.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw
Initial Consumer Rebuttal /* (3000, 7, 2014/09/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My account was at zero balance before this fraudulent charge and I want it back to a zero balance. I never ordered anything so there should be nothing owed? How can there be any balance when it started at zero balance. I paid this account off last February then the fraudulent charge happened and now I owe money no I didnt order anything and I am not paying for anything.
Final Business Response /* (4000, 9, 2014/09/23) */
CONFIDENTIAL COMMUNICATION
September 23, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]
Dear Ms. [redacted],
I am writing in response to the inquiry that we received from your office on behalf of [redacted] regarding the UOM investigation on the WebBank/Fingerhut Advantage Credit Account.
I apologize to Mr. [redacted]. I had assumed the balance was due to a prior purchase. He is correct. The balance should be $0.00 at this time.
On September 16, 2014 I have issued the additional credits for the amount totaling $160.57. This was composed of interest and Safeline Plus fees that accrued on the unauthorized ordered merchandise. The remaining account balance at this time is $0.00.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw

I am rejecting this response because:The item was returned and they are the administrators of their own systems. They can undo this intentional hit on my credit. I was not renting broken merchandise, yet they want me to pay some sort of a rental fee or fee for broken stuff. This is ridiculous. I know I will not do business with the con artists anymore. The ONLY reason I accepted an account with them was to rebuild my credit, and now they are ruining it for me because they wanted some money out of their overpriced broken piece of junk PC.
This is terrible business and unprofessional.
This PC was literally $200 more than EVERY other store not owned by Bluestem Group. I even asked them to drop the price a little for me. I didn't care to have the PC, then it came bent, dented, and scratched up. They are con artists who prey on people like me. I had to file bankruptcy due to divorce and an ex-wife who refused to assist me in paying bills, then she got child support even though we had 50/50 custody. In America, it doesn't matter what your reason is. I had to file bankruptcy and now I have to depend on installment loans, payday loans, fingerhut type companies, and high interest credit cards JUST to rebuild my credit. It gives the consumer absolutely NO power because businesses can behave like fingerhut. I made a poor choice in selecting them as a business I would work with, but forget that. I will only tarnish their name with the truth. They are a bunch of con-artists who take advantage of people.