Bluestem Brands, Inc.

We are not able to locate a prospective account with the given information, can you please submit the cr from the back of the catalog you are receiving?
73, 125); font-size: 11pt; font-family: Calibri, sans-serif;">  Thank you 
 
 
[redacted]copied and pasted from email.

I am rejecting this response because:
 
I have have made over 12 calls over a year and a half to try and get this resolved and have never been called back as promised. They are either not keeping good records or are lying.

CONFIDENTIAL COMMUNICATION


size="3"> May 16, 2016                                      ...⇄

Revdex.com of Minnesota                                   �...⇄                                     # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337

Re: Case # [redacted] – [redacted]

Dear Ms. [redacted],

I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.

Mr. [redacted] states he was satisfied with the previous response from Fingerhut but would like to open a new Fingerhut account. Mr. [redacted] also states he is still receiving collection calls on his Fingerhut Account.

As we have stated previously, Mr. [redacted]’s account was sold to [redacted] on March 31, 2015.

As Mr. [redacted] is aware, as an exception we purchased his account back from [redacted] on May 1, 2015. At that time we contacted the credit bureaus to completely remove the credit-trade lines.

We have reviewed our collection call logs, and Mr. [redacted] has not received a call from Fingerhut since March 2015.

If Mr. [redacted] would like to reapply for a WebBank/Fingerhut Advantage Credit Account he may do so by contacting Fingerhut Customer Service at ###-###-#### or online at www.fingerhut.com/applynow.

Thank you for allowing us to explain.

Sincerely,



Vi [redacted]
Executive Care Team

VF/KS

Initial Business Response /* (1000, 5, 2014/05/19) */
CONFIDENTIAL COMMUNICATION
May 19, 2014
# [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 an inquiry received from your office on behalf of [redacted], regarding her Fingerhut FreshStart Account issued by WebBank.
Our records indicate that an order was placed on December 1, 2013 for a Trio Stealth G2 7" 8GB Tablet with Google Play and an am Top Queen Airbed via our website. Our FedEx tracking results indicate that the order was delivered to Ms. [redacted]'s address on December 6, 2013.
When a customer notifies us of a delivery problem with a return, Fingerhut has policies and procedures in place in order to conduct an investigation. We have no record of Ms. [redacted] contacting us prior to this complaint informing us that she did not receive her merchandise. Ms. [redacted] must complete an affidavit and file a police report.
We will mail Ms. [redacted] an affidavit that needs to be filled out and returned along with a police report. To expedite, Ms. [redacted]'s may fax the completed form to: [redacted], Attn: [redacted]. Once received, we will further investigate this matter.
Our records indicate that due to severe delinquency, Ms. [redacted]'s account was charged off on May 15, 2014.
Thank you for allowing us to explain.

Sincerely,
[redacted]Executive Care Team
VF/ca

Initial Business Response /* (1000, 5, 2016/01/29) */
CONFIDENTIAL COMMUNICATION
January 29, 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]'s account regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate that we have refunded a total of $90.00 on Ms. [redacted]'s account. A credit of $30.00 was issued directly to the method of payment used for the down payment on December 30, 2015. A refund check of $60.00 was sent to her on January 13, 2016.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
Initial Consumer Rebuttal /* (3000, 7, 2016/02/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I checked, and yes the $60.00 was received. thank you! but the $30 that you said was refunded to the method of payment(mastercard ending in [redacted]) was not refunded. I triple checked the transaction history for the last three months and there was no sign of it. it would have been alot easier if it had been sent in a check. attached is a log from that debit card and all its transactionm history. *note on the purchase that was made but not refunded log date *12/29/15 Debit: Signature purchase from 03-[redacted] FINGERHUT FRESHSTART 800-[redacted] MN [redacted] 03-[redacted]Direct Marketing - $30.00
Final Business Response /* (4000, 17, 2016/02/29) */
CONFIDENTIAL COMMUNICATION
February 29, 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.
On November 24, 2015, a payment of $30.00 was made to Ms. [redacted]'s account using a credit card ending 1990. Due to the dispute regarding this payment, the credit card company took back the funds (also known as a chargeback) on February 18, 2016. On December 28, 2015, a $30.00 payment was made with a credit card ending [redacted]. We received an additional chargeback from the credit card company on February 19, 2016. On December 30, 2015, a $30.00 payment was made using a bank account ending 6988. This payment was unsuccessful as the bank account was closed.
As mentioned, a refund check of $60.00 was issued to Ms. [redacted] on January 13, 2016, as the two credit cards payments posted to the account, but were charged back at a later date. Therefore, there is now a balance on the account of $61.73 due by March 20, 2016.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
Final Consumer Response /* (2000, 19, 2016/03/10) */

Initial Business Response /* (1000, 5, 2015/10/28) */
Customer has been refunded the full purchase price of the dehumidifier and extended warranty, and will also receive a refund check for the payments she has made towards the item.
Initial Consumer Rebuttal /* (2000, 6,...

2015/10/29) */

CONFIDENTIAL COMMUNICATION
 
Roman" size="3"> August 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.
 
Ms. [redacted] states she purchased a computer with a warranty from Fingerhut in April that is no longer working. She contacted Dell to have the computer repaired and it only worked for a brief period. She would like to have the computer replaced being she is still paying for the item.
 
Our records indicate Ms. [redacted] purchased a Dell Inspiron 23.8" Full HD Windows 10 All-in-One Desktop Computer with a 2 Year Service Plan on April 9, 2016.
 
On August 4, 2016 Ms. [redacted] contacted Fingerhut stating the computer she purchased was no longer working properly. Ms. [redacted] was advised all product concerns would need to be handled by the manufacturer, Dell, as the merchandise was still covered under Dell’s manufacturer warranty.
 
Ms. [redacted] contacted Fingerhut on August 8, 2016 stating Dell had tried to fix the computer, but it was still not working properly.
 
As a goodwill gesture to Ms. [redacted] we will be shipping her a new Dell Inspiron 23.8" Full HD Windows 10 All-in-One Desktop Computer. This order was placed on August 24, 2016 and has an expected delivery date of September 2, 2016.
 
For future reference Ms. [redacted] should be aware of our return policy which states:
 
“We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are nonrefundable. Computers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only.”
 
If Ms. [redacted] has any further 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

CONFIDENTIAL COMMUNICATION
 
June 21, 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 further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
 
Ms. [redacted] states although she made the payment on her account the late fee was not removed as promised. She also states Fingerhut does not communicate clearly and does not operate in a professional manner. Ms. [redacted] states she did not receive e-mails from Fingerhut stating her payment amount was going to change.
 
As we have stated previously, each month Ms. [redacted]’s payment is due by the 3rd. On December 4, 2015 Ms. [redacted] set up recurring payments of $35.00 to be withdrawn each month on the 3rd. This schedule was setup online was to begin on January 3, 2016.
 
On March 14, 2016 Ms. [redacted] purchased a Nintendo Wii U 32GB Console & Mario Kart 8 Deluxe Bundle for $420.98. As a customer’s balance increases the minimum amount due will also increase. As Ms. [redacted] would have seen on her statement printed and mailed to her on April 7, 2016 her minimum amount due increased to $46.99. This would have been the responsibility of Ms. [redacted] to ensure the correct minimum amount due was being paid each month.
 
Ms. [redacted] addresses she did not receive notification of her balance increase. Again, it is the responsibility of our customers to keep their personal contact information updated for our records.
 
Ms. [redacted]’s May payment of $35.00 did not satisfy the minimum amount due. This resulted in a $27.00 late fee on her account. As a onetime courtesy to Ms. [redacted] we have waived the $27.00 late fee on June 20, 2016.
 
The customer must call us to increase the monthly recurring payments if the amount due has increased. Ms. [redacted] may contact us to set up recurring payments so her minimum payment will always be made or she 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 Ms. [redacted] is unable to access her 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.
 
 
At this time the current balance on Ms. [redacted]’s account is $725.63. A minimum payment of $46.99 is due by July 3, 2016.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
 
Vi [redacted]
Executive Care Team
 
VF/KS

Initial Business Response /* (1000, 10, 2015/01/23) */
CONFIDENTIAL COMMUNICATION
January 23, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I...

am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
It is in regards to Ms. [redacted]' purchase dated December 3, 2014 for an Amazon Kindle Fire HDX 7-inch 16GB Android Tablet. Our records show she first notified us of not receiving it via telephone on December 19, 2014. They further show that the phone agent assisting her on this date likely omitted to send the affidavit of merchandise not received, which we needed to open and investigate her claim. We apologize for this oversight.
Her account is noted that the affidavit was sent to her on December 31, 2014, and we received it fully completed on January 15, 2015. The following day, Ms. [redacted]' claim was approved, and she received credit for the full cost of the item including shipping/handling.
In the elapsed time, this item unfortunately went out of stock and, as of the date of this letter, remains as such with no tentative in-stock date yet available. However, the credit she received will be documented on a future monthly statement.
We take seriously customer reports--like Ms. [redacted]'--of receiving unsatisfactory service from our agents. They are accountable to meet our professional standards, and because we have records of Ms. [redacted]' recent phone calls and other contacts with us regarding this matter, they are being reviewed for quality assessments.
Thank you for allowing us to assist and explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 12, 2015/01/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The item was ordered on sale at a great price. I ordered the item because I wanted to have it. Now, I was refunded but was ignored when I asked that they honor the sale or discount amount on a replacement item.
I think it is only fair to extend the same discounted option as I now have to re-purchase at full price due to their neglect and lackadaisical when dealing with this issue.
Very dissatisfied.
Final Business Response /* (4000, 14, 2015/02/09) */
CONFIDENTIAL COMMUNICATION
February 9, 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 further inquiry we received from your office on behalf of Ms. [redacted].
As stated in the inquiry and supported by our records, Ms. [redacted] purchased the Kindle at a reduced sale price. The discount she received was strictly due to a promotion being run for that item only during a specific timeframe.
While we could not find a similar promotion being run at this time, we are sending Ms. [redacted] a $50 discount coupon that she can apply toward a future web, phone, or mail-in order. She should allow up to ten business days from the date of this letter for it to arrive.
Thank you for allowing us to assist and explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah

Initial Business Response /* (1000, 10, 2014/03/27) */
[redacted] St. Cloud, MN 56303
www.fingerhut.com
CONFIDENTIAL COMMUNICATION
March 27, 2014
# [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 an inquiry we received from your office regarding [redacted].
Our records indicate that we received a payment in the amount of $300.00 on February 26, 2014 as Ms. [redacted] states.
Prior to receiving the $300.00 payment on February 26, 2014, the last payment we received from Ms. [redacted] was on August 3, 2013.
When a payment is not received by the due date, the minimum payment 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 we may lower or take away our customer's credit limit per our Terms and Conditions that were agreed upon when the WebBank/Fingerhut Credit Account was opened.
Our records indicate that Ms. [redacted] contacted our Corporate Office on March 24, 2014. She told an employee from our office that she no longer wanted her credit limit reinstated.
The credit bureau reporting accurately reflects Ms. [redacted]'s WebBank/Fingerhut Credit Account history and is in full compliance with the requirements of the Fair Credit Reporting Act ("FCRA"). We will not reinstate her credit at this time as per her March 24, 2014 request.
Thank you for this opportunity to explain.
Sincerely,
[redacted]
Executive Care Team
VF/tas

CONFIDENTIAL COMMUNICATION
 
New Roman" size="3"> June 20, 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 stated she feels harassed by the phone calls she is getting regarding her bill, which is past due. She has informed us that she has a family emergency, but that representatives have not shown empathy for her situation. She purchased a tablet she states is defective and she wishes to send the tablet back to Fingerhut. She would like a refund and to be reimbursed for the return shipping and handling, bringing her account to a zero balance.
 
We at Fingerhut strive for exceptional customer service in all interactions with our customers, and we would like to apologize that Ms. [redacted] feels this was not given to her.
 
Our records support an order was placed on February 9, 2015 for a Zeki 7" 8GB Android Tablet with Google Play. On April 4, 2015, Ms. [redacted] was advised of her warranty coverage as it was beyond our return policy timeframe. At this time, Ms. [redacted] will have to work with the manufacturer regarding the warranty. Ms. [redacted] may call Zeki DNC (Digital Products International) at ###-###-####.
 
Our return policy states: “We will exchange your product or give you a refund for most items returned in new condition within 30 days after date of purchase. Sorry, but returns will not be accepted for credit after 90 days. If you have any problems with a product, please check the manufacturer's warranty. Computers, tablets, e-readers, camcorders, digital cameras, electronic game systems, air conditioners, hol[redacted]y decorations, heaters and generators have to be returned within the 30-day home trial period.”
 
Ms. [redacted] is encouraged to call our Payment Department at ###-###-#### to request a payment plan which can help bring down her monthly payments during this stressful time, and eventually bring her account back into a current status.
 
As a courtesy, we have suppressed collection calls on Ms. [redacted]’s account until July 5, 2016.
 
Sincerely,
 
 
 
 
Vi [redacted]
Executive Care Team
 
VF/jm

Initial Business Response /* (1000, 5, 2014/04/11) */
CONFIDENTIAL COMMUNICATION
April 11, 2014
# [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 that we received from your office regarding [redacted].
Ms. [redacted]'s monthly billing statements print on the 1st of each month and her minimum monthly payment is due on the 27th of the month.
Ms. [redacted] is correct in that she has made two payments a month. However, Ms. [redacted]'s monthly billing statement dated August 1, 2013 indicated that a minimum payment of $83.81 was due by August 27, 2013. We did not receive a payment in August 2013. The August 27, 2013 monthly billing statement also indicated a purchase in the amount of $129.95. Ms. [redacted]'s monthly billing statement dated September 1, 2013 indicated that a minimum payment of $167.92 was due by September 27, 2013 with $83.81 of this amount past due.
When a payment is not received by the due date, the minimum payment due the next month will be higher and will continue to be higher until the correct minimum amount due is received. We may also charge a late fee and the balance owed will accrue interest charges.
Ms. [redacted]'s monthly billing statements dated October 1, 2013 and November 1, 2013 indicated two $50.00 payments received each month. However, the minimum payment due each month was more than $100.00 because as stated above, we did not receive payment of $83.81 by August 27, 2013 or $167.92 by September 27, 2013.
The monthly billing statement dated December 1, 2013 indicated that a minimum payment of $184.78 was due by December 27, 2013. This statement also indicated that a $50.00 payment was received on November 22, 2013. A purchase in the amount of $86.82 also appeared on this billing statement.
Ms. [redacted]'s monthly billing statement dated January 1, 2014, indicated two $50.00 payments which was not the correct minimum amount due as indicated on the billing statement. A purchase in the amount of $94.95 also appeared on this billing statement.
The monthly billing statement dated February 1, 2014 indicated that a minimum payment of $136.76 was due by February 27, 2014. This statement also indicated that we received two payments in the amount of $75.00 each.
Ms. [redacted]'s monthly billing statement dated March 1, 2014 indicated that a minimum payment of $100.99 was due by March 27, 2014. This statement also indicated that we received two payments in the amount of $75.00 each and one payment in the amount of $31.76.
We ask that Ms. [redacted] review each monthly billing statement for the correct minimum amount due when she receives it to avoid late fees.
Ms. [redacted] states that we cheated her out of close to $600.00. We have credited her account for each payment that we received. Her account accrued a total of $280.00 in accrued late fees because as explained above, Ms. [redacted] was not paying the correct minimum amount due each month.
As a courtesy to Ms. [redacted], I have credited her account for a portion of the accrued late fees in the amount of $105.00. She will see the credit on her May 1, 2014 monthly billing statement. We will not credit all the late fees as she requests. It is our customer's responsibility to review their monthly billing statements each month.
The monthly billing statement dated April 1, 2014 indicates that a minimum payment of $88.26 is due by April 27, 2014. As long as we receive the monthly minimum payment due amount that is indicated on her monthly billing statement by the due date, the 27th of the month, Ms. [redacted]'s WebBank/Gettington Credit Account should not accrue late fees.
Thank you for this opportunity to explain.
Sincerely,
[redacted]
Executive Care Team
VF/tas
Initial Consumer Rebuttal /* (3000, 7, 2014/04/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
What [redacted] does not tell you is that it was by 1 day and the payments were scheduled out over several months. They also promised me 70.00 refund with my first conversation which I never received. I have talked to the company 3 times and each time they promised a call back and I have yet to receive

Initial Business Response /* (1000, 5, 2014/07/01) */
CONFIDENTIAL COMMUNICATION
July 1, 2014
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
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 Advantage Credit Account.
We advise Mr. [redacted], that we have received his completed affidavit on June 29, 2014. His account was credited for the Apple iPad mini 16GB, Wifi black on June 29, 2014 in the amount of $413.98. We have also credited the accrued interest in relation to this product. Mr. [redacted] will see these credits on a future billing statement.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/mhp

Initial Business Response /* (1000, 8, 2015/08/27) */
CONFIDENTIAL COMMUNICATION
August 27, 2015
#[redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337

Re: Case # [redacted]

I am writing in response to...

the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
Our records indicate an account balance of $208.53 reflected on Ms. [redacted]'s February 7, 2015 statement, with a minimum payment of $87.16 due by March 3, 2015. On February 21, 2015 an order was placed for a Serta Executive Chair with Massage in the amount of $139.95. On March 7, 2015 a new monthly statement was sent, which reflected a late fee of $35.00 incurred due to no payment being received by the March 3, 2015 due date. This late fee was assessed per the terms and conditions Ms. [redacted] agreed to at the time the account was opened. The new minimum payment due reflected on this statement was $165.02 ($87.16 for March and $77.86 for April) due by April 3, 2015 and a full balance of $387.67.
On March 9, 2015, Ms. [redacted] set up a scheduled payment on our website for $100.00. She scheduled the payment to be processed on March 13, 2015. A confirmation email was sent to Ms. [redacted] confirming the scheduled payment. On March 13, 2015 when the scheduled payment was processed, the payment was declined by Ms. [redacted]'s financial institution. We suggest Ms. [redacted] contact her bank for further assistance regarding the declined payment.
We received successful payments from Ms. [redacted] on March 31, 2015 for $50.00, April 2, 2015 for $50.00, April 3, 2015 for $50.85 and April 3, 2015 for $15.00. On April 7, 2015 her monthly statement reflected a balance of $227.23 with a minimum payment due by May 3, 2015 of $33.55.
We did not receive the minimum payment due May 3, 2015 and as such, a late fee of $33.55 was assessed to Ms. [redacted]'s account and was reflected on her next statement, which printed. May 7, 2015. The minimum payment due by June 3, 2015 was $55.71 ($33.55 for May and $22.16 for June). The overall balance was $264.58.
On May 10, 2015 we received a payment of $227.00. On July 4, 2015 two additional payments were attempted, each in amount of $20.01. Both payments were declined by Ms. [redacted]'s financial institution.
As a courtesy, we have removed two late fees for a total of $70.00. The credit will be reflected on a future statement. Ms. [redacted]'s account has been closed as of the date of this letter. Please understand, by closing the account, no new purchases may be made on the account however late fees and interest charges may still be assessed per the terms and conditions she agreed to at the time the account was opened.
As Ms. [redacted] remained obligated to make at least the minimum amount due, and because some payments (outlined above) were received after the due date specified, we cannot remove the past due payment history that has been reported to the credit agencies. It is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies.
The remaining balance on Ms. [redacted]'s account is $25.21. due by September 3, 2015. Ms. [redacted] is responsible for the remaining charges and no further credits will be issued.
Thank you for allowing us to explain and assist.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (2000, 10, 2015/08/28) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/10/23) */
CONFIDENTIAL COMMUNICATION
October 23, 2015
# [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 recent inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
Our records indicate on June 30, 2015 Ms. [redacted] purchased a Zeki 7" 8GB Android Tablet. On September 28, 2015 Ms. [redacted] contacted Gettington stating the tablet was not working properly. At this time Ms. [redacted] was told she would need to contact the products manufacturer as we require returns to be make in accordance with Gettington's return policy which states:
"We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 180 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are non refundable. Computers, tablets, e-readers, camcorders, electronic gaming systems, air conditioners, holiday decorations, heaters, and generators have to be returned within the 30-day home trial period for the full cash price. After that time we can no longer grant exchange or accept returns. Other product concerns must be handled under manufacturers' warranty. Software and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanged are permitted for the identical product only."
Our phone agent correctly advised Ms. [redacted] that any requests to repair or replace the device should be referred to and handled by the manufacturer. For all concerns with this product Mr. [redacted] should contact Zeki [redacted].
Thank you for allowing us to explain and assist.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 7, 2015/10/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
in response, I contacted zeki, the manufacturer and they did exchange the tablet for a new one. this tablet defected also as cited. apparently gettington is selling defective merchandise and this is why im asking for a refund. I did contact zeki again and they offered to exchange again but I declined.that is two new tablets, same brand name and they both defect in the same manner. it is unfair that I paid for a new tablet and it is defective and then I was mislead because both tablets in all other aspects worked.
Final Business Response /* (4000, 9, 2015/10/27) */
CONFIDENTIAL COMMUNICATION
October 27, 2015
#[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 further inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
As we stated in our last letter, Gettington is unable to refund Ms. [redacted] for the Zeki 7" 8GB Android Tablet due to the amount of time that has passed since her purchase as we do require returns to be make in accordance to the Gettington return policy.
Ms. [redacted] should contact Zeki for any requests to repair or replace the device.
Thank you for allowing us to explain and assist.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS

Initial Business Response /* (1000, 5, 2014/04/21) */
CONFIDENTIAL COMMUNICATION
April 21, 2014
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #: [redacted]
Dear Ms....

[redacted],
I am writing in response to an inquiry received from your office on behalf of Ms. [redacted],
regarding her WebBank/Fingerhut Credit Account.
When an account becomes past due our Payment Department will make reminder calls to our customers to inform them a payment is due. Our records indicate we were unable to reach Ms. [redacted] and because of this, we continue to call. It is important to us to inform our customers of their account status and assist them if necessary.
After reviewing our call log, we find that we were within the allowed time frames to contact her.
If Ms. [redacted] does not wish to receive calls from our Payment Department she can send a hand written request to "cease and desist" calling her. Ms. [redacted] may mail her request to the address listed above or fax the request to: [redacted], Attn: [redacted].
The last payment received on Ms. [redacted]' account was on January 4, 2014, in the amount of $20.00.
After a thorough review of Ms. [redacted]' account we find her account is currently eligible for a reduced hardship payment plan, if she agrees to the necessary terms and conditions. This includes the following:
Pay total amount due $76.96 on or before 5/7/14, this details out to paying the past due amount of $53.97 and remaining balance of $22.99. Once her account is up to date, Ms. [redacted] may be set up a 9 or 24 month reduced payment hardship program.
Our Payment Department tried to contact Ms. [redacted] by phone to assist her with the payment plan. However, they were unsuccessful in reaching her. We urge Ms. [redacted] to contact our Payment Department at:[redacted], Monday through Friday from 7:00am to 9:00pm, Central Time and they will be happy to assist her.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/mhp
Initial Consumer Rebuttal /* (3000, 7, 2014/04/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I would like to thank all parties for helping and responding I would truly like to accept that offer but the offer is only till May 7th I will be out of town until May 12 and will not be able to handle any business until the 12th of May or the 13th if I can have that setup for Monday May 12 or Tuesday May 13th 2014 I will be more than happy and I will gracefully receive the offer the only reason I cannot accept now is because I will be away from home due to a family matter and I will not be back until those dates I stated previous if I can have those dates to 12 or the 13th that would be great for me because I will definitely handle my business on those days I cannot do it before because I will not be here I am away as I type this now that's why I have been unable to answer any calls and that is why I am just now responding [redacted] thank you very much I'll look out and look forward to email I will say if I am back before those dates I will make a payment ASAP but the likes of that is not high because my ticket is booked for me 12thank you very much I appreciate all parties help and support I look forward to hearing back thank you
Final Business Response /* (4000, 9, 2014/04/30) */
CONFIDENTIAL COMMUNICATION
April 30, 2014
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to further information received from your office on behalf of Ms. [redacted], regarding her WebBank/Fingerhut Credit Account.
Since an outstanding balance remains on Ms. [redacted]'s account, calls have continued to be made in an attempt to collect a payment. As stated in our previous response, if Ms. [redacted] does not wish to receive calls from our Payment Department, she may send a hand written request to the address listed above or fax the request to: [redacted], Attn: [redacted].
We advise Ms. [redacted], her account would still be eligible to enter into a 9 month or 24 month Hardship program on May 12, 2014 or May 13, 2014. Ms. [redacted] would need to contact Our Payment Department at[redacted], Monday through Friday from 7:00am to 9:00pm, Central Time, to set up the payment plan. We would also need to explain the terms and conditions prior to submitting the payment plan for consideration.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/mhp

So I have been a customer for a little while for finger hut which is a bluestem brand. I am upset that when I return a item they charge me return shipping even though I paid the shipping back to them. I have earned a few credit limit increases. If you want high prices and no customer service. Then fingerhut is for you.

Initial Business Response /* (1000, 5, 2014/10/28) */
CONFIDENTIAL COMMUNICATION
October 28, 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 returned items on his WebBank/Fingerhut Advantage Credit Account.
On October 07, 2014, Mr. [redacted]'s return was processed on his account. However, our return policy states:
We will issue an exchange or refund for most items returned in new condition within 30 days of receipt. Returns will not be accepted for credit after 90 days. Other product concerns must be handled under the manufacturer's warranty. Shipping and handling charges are non-refundable. Return postage is the responsibility of the customers. Music, movies, video games and software must be return unopened with the factory seal intact. Exchanges are permitted for identical product only. Computers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators must be returned within 30 day home trial period. Products sold as sets must be returned as sets, partial returns will not be accepted. Personalized/customized and made-to-measure window treatment products may be returned for credit only if they are damaged or defective. Exchanges are permitted for identical product only. Gift cards cannot be returned. Other restrictions apply.
As stated above, the shipping and handling is non-refundable according to our policies, even if the item is returned within our 30 home trial period. The only exceptions to this are in those cases of damaged or defective merchandise, in which case we pay for both the return shipping and the original shipping and handling on the account.
As an exception to our normal policy, I have issued credits on Mr. [redacted]'s account for a $26.00 late payment fee, $8.38 in interest, and $9.87 in Safeline fees on October 27, 2014. The remaining balance is $0.00 at this time. This will be visible on his next account statement printing on November 05, 2014.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw

Initial Business Response /* (1000, 11, 2015/10/12) */
CONFIDENTIAL COMMUNICATION
October 9, 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.
Records indicate Ms. [redacted] placed an order for a Jensen 6 in 1 Home Stereo System via the web on June 7, 2015. Our records indicate that Ms. [redacted] contacted us on June 15, 2015 indicting the cd would not open and she would return the item.
Records indicate Ms. [redacted] contacted us on June 24, 2015 and an affidavit of non-receipt of returned merchandise was sent to her. Ms. [redacted]'s account indicates she contacted us several times and was informed that she needed to return the completed affidavit.
Ms. [redacted]'s account indicates we received the Affidavit of non-receipt of returned merchandise on July 6, 2015 and a letter informing her that we did not receive the requested return receipt was sent to her on that same day.
Ms. [redacted]'s account indicates she contacted us on August 12, 2015 and stated she would send us the tracking results she received from the post office.
Our records indicate that we received the tracking results from Ms. [redacted] on August 25, 2015 and her claim was denied as tracking indicated the package was not shipped to the correct address.
As a courtesy, we have issued a full credit of $323.98 for the Jensen 6 in 1 Home Stereo System and a credit of $22.99 for related finance charges. Ms. [redacted] will see this credit on her October 24, 2015 billing statement.
Ms. [redacted]'s account indicates she had a balance on her account prior to her order for the Jensen 6 in 1 Home Stereo System. Ms. [redacted]'s account indicates we did not receive a minimum payment due on August 20, 2015 and September 20, 2015. Consequently, her account incurred three late fees. We strongly advise customers keep their account in good standing by making the minimum amount due each month, even while engaged in a dispute.
As a reminder, timely payments are important and the minimum payment is required by the due date each month. While we understand Ms. [redacted]'s frustration regarding returned merchandise, this was and is not sufficient grounds to relieve a customer of their payment obligation on outstanding debt.
Credit for late fees will not be issued and as Ms. [redacted] remained obligated to make at least the minimum amount due on her previous purchases, and because no payments were received, we cannot remove the past due payment history that has been reported to the credit agencies. Please understand that if we were to remove the negative history, we would be knowingly reporting inaccurate information to credit reporting agencies, which is a violation of the Fair Credit Reporting Act.
Ms. [redacted]'s current balance is $693.93 as of October 7, 2015.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca
Initial Consumer Rebuttal /* (2000, 13, 2015/10/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept refund from company. Thank,you I believe it is the correct response to do. Just a note where complaint wrote " package not sent to correct address" iI repeat its company label once usps took it I so not travel with packqge. Your label your address.
I,do appreciate refund but honestly stop trying,to put any,blame on me, can any,company just,say,they,are wrong just once. I also acknowledge miss payment (caught off guard by death in immediate family.) I accept responsibility for miss payment & late fees. I knew it,would happen when other things had to b taken care of. I also,acknowledge Ineed to catch up on my payments. I handled things the best,i,could. Right or,wrong at,that,moment.SEE Not so,hard to,admit it. Thank you BBC for your,help. Thank you to to the company for the refund I hope you put,this behind us now.

Initial Business Response /* (1000, 8, 2016/02/29) */

CONFIDENTIAL COMMUNICATION
February 26, 2016
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [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 Advantage Credit Account.
Mr. [redacted]'s account indicates he purchased a Bissell PowerGlide Premiere Pet vacuum with a 2 Year Service Plan totaling $313.97 on October 5, 2014.
We received the return of the Bissell PowerGlide Premiere Pet Vacuum on January 16, 2015 with a reason of "Difficult to Assemble" and the account received credit for the merchandise price. However, the original shipping/handling is non-refundable on return merchandise, and a return postage fee was deducted from the credit because it was sent back to us for a "non-qualifying" return reason (An example of a "qualifying" reason would be in cases of a defect or damage not caused by the customer, which in most cases Fingerhut covers this cost.).
Fingerhut's Return Policy:
We will issue an exchange or refund for most items returned in new condition within 30 days (60 days for Fingerhut Choice Plus members) of receipt. No returns will be accepted after the home trial period without prior return authorization from Fingerhut. Returns accepted after the home trial period may result in prorated cash or credit adjustments based on the age and condition of the product. Returns will not be accepted for credit after 180 days. Other product concerns must be handled under the manufacturer's warranty. Shipping and handling charges are non-refundable. Return postage is the responsibility of the customer.

Music, movies video games and software must be returned unopened with the factory seal intact. Exchanges are permitted for identical product only. Computers, camcorders, digital cameras, electronic game systems, air conditioners, Holiday decorations, heaters and generators must be returned within the 30-day home trial period. Products sold in sets must be returned as sets; partial returns will not be accepted. Personalized Products, Made-To-Measure Window Treatments may only be returned for credit if they are damaged or defective. Exchanges are permitted for identical product only. Gift cards cannot be returned. Other restrictions may apply.
Our records indicate no payments were made and the subsequently the account was assessed with Late Fees and finance charges.
Our records indicate that due to severe delinquency, the WebBank/Fingerhut Advantage Credit Account charged off on June 20, 2015 with a balance of $199.20 and was then sold to [redacted] on June 30, 2015.
As a courtesy to Mr. [redacted] we will be purchasing the account back from [redacted] and closing it. Additionally, we will request that this be removed from Mr. [redacted]'s credit bureau report and advise that this may take up to 60 days to process.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
Initial Consumer Rebuttal /* (2000, 10, 2016/03/10) */