Bluestem Brands, Inc.

Customer service is a joke. They treat their customers like crap. I closed mu account after having it for five years.

CONFIDENTIAL COMMUNICATION

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May 12, 2016

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

Re: [redacted]
Case #:[redacted]

Dear Ms. [redacted],

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

Mr. [redacted] states that he has contacted Fingerhut in an attempt to get a trade line removed from his credit report due to fraud, but Fingerhut rejected his request and will not remove the trade line without additional documentation. Mr. [redacted] is requesting that Fingerhut provide documentation regarding the debt and delete the trade line.

Based on our research, the Fingerhut credit account ending in [redacted] was opened online November 7, 2012 with the name [redacted] and the address [redacted], Galt, CA. 95632.

Two orders were placed on November 16, 2012, an Apple iPad 2 16GB WiFi in White and a Sony Internet Connectable Blu ray Player . Both orders were delivered via Fed-Ex to the address at [redacted] in Galt California.

No payments were received on this account.

On July 9, 2013, the account charged off with a balance of $848.00 and was sold to [redacted] on July 22, 2013.

An account review on May 9, 2016 confirms Equifax, Experian, and TransUnion are accurately reporting the account as Purchased by Another Lender or Transferred/Sold with a balance of zero.

According to our records, one dispute has been received from TransUnion in December 2015 and the account was verified as reporting accurately on December 16, 2015. A response was sent directly to TransUnion.

We have no record of record of receiving any correspondence from Mr. [redacted] in January 2016.

On April 22, 2016 a notarized Identity Theft affidavit was received from Mr. [redacted]. Fingerhut sent a reply the same day to directly to [redacted] Elk Grove, California 95624 requesting a police report to conduct a full fraud investigation.

In order to continue processing a claim of fraudulent account opening, we ask that Mr. [redacted] file a police report and send it to the following address:

Fingerhut
Attn: Fraud Department
[redacted]
St. Cloud, MN 56303

Mr. [redacted] may also fax the police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account.

Once we receive the police report, we will be able to conduct a full fraud investigation.

If Mr. [redacted] has further questions or concerns during the process, he may contact the Fraud Department at ###-###-####. Their hours are Monday – Friday 8:00am – 6:00pm Central Time.

Thank you for allowing us to explain.

Sincerely,




Kari [redacted]
Executive Care Team
KD/lg

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Thank you.

Initial Business Response /* (1000, 5, 2014/04/18) */
CONFIDENTIAL COMMUNICATION
April 18, 2014
Revdex.com of Minnesota
Attn: [redacted]
220 South River Ridge Circle
Burnsville, MN 55337
# [redacted]
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.
We would like to explain to Ms. [redacted] on July 1, 2012, all Fingerhut Credit Accounts were sold and transferred from MetaBank to WebBank. WebBank is the present issuer of credit for the Fingerhut Credit Accounts. Fingerhut Credit Account holders were notified of these transfers at the time that the transfer occurred. At that point, all credit accounts reported to the bureau under "MetaBank/Fingerhut" were marked as "Sold/Transferred". Although it may appear we are reporting two separate accounts, it really is just a continuation of the same account.
Because the credit bureau reporting is tied to the owner and issuer of the accounts, the credit reporting reflects the change in issuers as part of the overall Fingerhut Credit Account relationship reporting. The reporting accurately reflects the time periods during which each issuer owned the Fingerhut Credit Account, and the account status as of the time of each sale and transfer of the account, and the current account status. There is no negative impact to credit scores resulting from the sale and transfer of the accounts.
In relation to Ms. [redacted]'s account, please understand we cannot alter the account history we report to the credit bureaus. As stated in the Terms and Conditions of Ms. [redacted]'s account under the Reporting and Monitoring: " 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."
Ms. [redacted]'s account was sold to an outside collection agency on August 3, 2012. She will need to contact Jefferson Capital at [redacted] with any further questions regarding her account
We would like to apologize to Ms. [redacted] for any inconvenience regarding this matter
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/rsh

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
 
The stove was picked up on Saturday July 16th, 2016 at approximately 2 pm.  The took it out of the original box and left it for me to dispose of because it had been cut open in order for pictures of the damage to be taken and sent to Fingerhut.  They had me sign paperwork that they were picking it up but didn't leave me a copy.  I will assume this is now their responsibility and my involvement is over.   Thanks for finally making this pickup happen.

Initial Business Response /* (1000, 5, 2014/06/09) */
CONFIDENTIAL COMMUNICATION
June 09, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted] Jr., [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.
The issue Mr. [redacted] is referring to concerns the two orders that were placed on his Fingerhut Account on January 28, 2014. Each order consisted of the same individual item, a Dell Inspiron 17.3" 6GB Windows 8 Laptop.
Our order servicing system shows the first order was placed via phone while the second was made on our website. A note attached to Mr. [redacted]'s first order indicates that he requested to cancel it that same day. Please understand that while our system may allow us to request to cancel an order in its earliest stage, it cannot guarantee it. We start filling orders as soon as possible, and would not know with any certainty if the shipment was stopped for at least 24 hours after the request. In this case, the cancel request was unsuccessful and the order shipped.
The second order also shows that is was processed, shipped, and billed as normal. We reviewed the tracking information for each order. In each case, the information shows they were delivered to [redacted] Trenton, NJ 08610 by Federal Express on February 1, 2014. This is the address Mr. [redacted] provided to us and which we still show as the current billing and shipping address for his account.
Our records indicate Mr. [redacted] first notified us on March 6, 2014 that he never received one of the two orders. His account is noted on this same date that we sent to him by regular mail an affidavit of "non-receipt of merchandise." We appreciate Mr. [redacted] promptly returning to us the completed affidavit we received on March 25, 2014; unfortunately, due to the substantial monetary value of the missing merchandise, we also needed a police report to carry out our investigation. We apologize if we omitted this information when Mr. [redacted] first contacted us. However, on March 25, 2014, we sent him a letter by U.S. Mail instructing that he file a police report and supply us with a copy.
To date, we have not received the police report or any information pertaining to it.
We understand and sympathize with Mr. [redacted]'s frustration at not receiving his order. However, we will need him to provide us with the necessary information before we can proceed with his claim. If he has not done so already, Mr. [redacted] will want to file a police report and provide us with a copy. If he is unable to file or obtain a copy of a report, we will need: the name of the police station, the phone number to the station, the name of the officer, and the badge number of the officer.
To expedite, Mr. [redacted] may fax a copy of the report--or the required information pertinent to it--to: [redacted], Attn: [redacted]. Once received, we will further investigate this matter.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Consumer Response /* (3000, 11, 2014/07/14) */
Waiting for Response I put in about Fingerhut is charging me for second laptop which I only ordered one by phone and my found only one on the porch. Customer # [redacted] - Track# of the one I Received is [redacted] and that is all I ordered and they sould check their phone order because there site was under construction. I ve been a loyal customer for a long time and I will not pay for something I dont have and then they just left on porch with no signature this is insane. I am lucky my wife found mines, thats if he left it there. I just want to pay for what I ordered only, that's one laptop and the other things I owe. They have another laptop which is 749.99 I am not responsible for. Stop sending that kind of Merchandise without signature. I just brought this house a year and this town is not in the best reputation. Thank Your.

Initial Business Response /* (1000, 8, 2015/04/16) */
CONFIDENTIAL COMMUNICATION
April 14, 2015
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] contacted Fingerhut Customer Service in January to inform the order was being shipped to his old address. Unfortunately we were unable to fulfill the request due to item being in process of delivery.
On February 5, 2015, UPS was unable to deliver the package to the old address and routed it back to the vendor. We did not receive further tracking information until March 14, 2015, at which point UPS indicated the package had been lost in transit and they were investigating.
Due to this having occurred outside the control of either Fingerhut or Mr. [redacted], we have issued a credit back to Mr. [redacted]'s account for his order of $153.98 and $6.15 for interest.
As an exception for the inconvenience we have also issued a credit for two late fees in total $51.99 to Mr. [redacted]'s WebBank/Fingerhut Advantage Credit Account Fingerhut account. Mr. [redacted]'s current balance as of April 15, 2015 is $ 91.25.
Our customers are very important to us and we strive to assist and satisfy them. I trust with this explanation and credit we have done so with Mr. [redacted].
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/CC

CONFIDENTIAL COMMUNICATION


size="3"> May 27, 2016                                      ...⇄

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

Re: Case # [redacted] – [redacted]

Dear Ms. [redacted],

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

Mr. [redacted] states that he recently found out about this Gettington account in his name. He believes someone used his address and social security number to open this account. He asserts that one of our representatives gave him the name of this person, and that he does not know this person. He also claims that he has tried calling us by leaving several voicemails, but we have not returned his calls.  Mr. [redacted] is pursuing to confirm this fraudulent account is closed and that there have not been any further purchases. He requests a correction on his credit report.

Our records indicate on August 26, 2015 an account was applied for using Mr. [redacted]’s personal information via the web and on that same day an order was placed for a Fisher Price Octonauts Barnacles’ Booster Jet Pack. This item was to be shipped to 3501 Demorest Rd. Grove City, OH 43123.This item was delivered via UPS (surepost) at 9:43 AM on September 2, 2015 using the tracking number [redacted].

On February 10, 2016 we sent Mr. [redacted] an affidavit for the unordered merchandise. We have not yet received the affidavit back from him. We attempted to call Mr. [redacted] (at ####-###-####) on February 26, 2016 and again on April 11, 2016 in response to voicemails he had left for us. We left messages on both occasions.

Unauthorized account registration and activity is a serious matter, and we have certain procedures in place to assist those making this claim. As Mr. [redacted] denies authorizing the account matching his personally identifiable information, we referred this matter to our Fraud Department. They have instructed that a police report, as well as the returned affidavit, is required to complete the investigation.

As we understand the urgency of the situation, Mr. [redacted] may expedite this process by faxing the required affidavit and police report to ###-###-#### Attn: Executive Care Team/Jessica or mail the documents to [redacted] St. Cloud, MN 56303. If Mr. [redacted] is unable to provide a police report, he may supply the name of the agency, officer’s name, badge number, and the case number. Once received, we will be able to further investigate his claim. If Mr. [redacted] has any questions regarding this process, he may contact our Fraud Department at ###-###-####, Monday through Friday between 8:00am and 4:30pm CST.
Mr. [redacted]’s account has been marked with a verification hold, which will prevent further purchases on the account until the issue is resolved.

Once the affidavit and police report are received, we would be able to close the account for fraud, and send a request to remove any inquiries or trades from his credit bureau report.  A letter will be sent to Mr. [redacted] at that time notifying him of the actions taken.

Thank you for allowing us to explain.

Sincerely,



Vi [redacted]
Executive Care Team

VF/jm

Initial Business Response /* (1000, 5, 2014/09/30) */
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 additional inquiry that we received from your office on behalf of [redacted] regarding the return of the San Paulo Click-Clack Sofa with Cover - Black to her WebBank/Fingerhut Advantage Credit Account.

I apologize for the inconvenience that this has caused Ms. [redacted]. Per the information provided in her complaint, I have listened to the recording of the call. Ms. [redacted] is correct. At the time of the order the agent advised her that the package would be delivered on September 02, 2014.

Due to our error, I have issued credit for the shipping and handling of the item in the amount of $100.99. This credit will be visible on her next statement that prints on October 06, 2014.

Thank you for allowing us to explain.


Sincerely,




[redacted]
Executive Care Team

VF/jw
Business Response /* (4000, 15, 2014/10/22) */
CONFIDENTIAL COMMUNICATION
October 22, 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 additional inquiry that we received from your office on behalf of [redacted] regarding the return of the San Paulo Click-Clack Sofa with Cover - Black to her WebBank/Fingerhut Advantage Credit Account.
The balance issue encountered after the return was due to a systems error at the time the return was processed. The returned item was on a deferred order, whereas the previous balance should have been a non-deferred balance. Unfortunately, when the return was processed the credit was issued to the non-deferred balance instead of the deferred balance. This resulted in an erroneous balance and minimum payment due on the account.
The balance on the account is now $302.19 and the minimum payment due on the account is $0.00. The payment will be recalculated at the time the next statement prints on November 06, 2014. The next payment will be due on November 02, 2014.
The difference in the balance is due to normal interest that had accrued on the prior balance.
We apologize for the inconvenience you have encountered in this process.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw
Consumer Response /* (3000, 17, 2014/10/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My balance before this purchase was made was $257.20 and I have not made any other purchases. I can't believe that I am being charged $44.99 in fees? my balance should be $257.20
I really want to resolve this matter that has been going on since August 20,2014.
I hope this can be resolved. I am only trying to get my account back to the original state without all these additional charges
Business Response /* (4000, 19, 2014/10/29) */
CONFIDENTIAL COMMUNICATION
October 27, 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 additional inquiry that we received from your office on behalf of [redacted] regarding the balance on her WebBank/Fingerhut Advantage Credit Account.
To better explain how the balance of the account has been calculated, and to provide an itemized breakdown of the current balance, I have included an itemized statement with this response. This should allow Ms. [redacted] to see how her balance has been calculated.
As previously stated, the balance is correct at this time and we consider this matter closed.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw
Consumer Response /* (3000, 21, 2014/10/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
While the "breakdown" may have been attached, an interest charge was charged on my balance owed for the purchase that was ultimately returned. I had a balance of $257.20 prior to this purchase, as I had stated earlier, and the calculations from August to present do not add up to a $44.99 in interest and other fees. While I do appreciate the efforts to try to explain the breakdown. I am still requesting that the account be brought back to my original amount before all of these issues with my return please. I don't think charging me $44.99 to my account is a fair charge nor is it justifiable.
Business Response /* (4000, 24, 2014/11/10) */
[redacted]Corresponding documents attached.
CONFIDENTIAL COMMUNICATION
October 30, 2014
# [redacted]
Re: Case # [redacted]
Dear Ms. [redacted],
I am writing in response to the additional inquiry that we received from your office on behalf of [redacted] regarding the balance on her WebBank/Fingerhut Advantage Credit Account.
The balance on Ms. [redacted]'s account was calculated based on the following transactions:
On her statement that printed on August 06, 2014 (this is the statement prior to the purchase of the sofa) the balance was $306.25 (not the $257.20 advised in Ms. [redacted]'s complaint). A payment was received on August 16, 2014 for $25.00. This payment was deducted from that account balance.
The purchase was added to the account in the amount of $520.98 on August 21, 2014.
On September 03, 2014 the return of the "Black San Juan Sofa Cover" processed resulting in a credit of $44.98.
The new cycle began on September 06, 2014. This resulted in interest charges in the amount of $11.79 being added to the balance, and a Safeline Fee in the amount of $9.15 being added to the balance.
On September 18, 2014 the return was processed for the "San Paulo Sofa with Storage" on the account in the amount of $375.01.
On September 30, 2014 I issued a credit for the remain charges from the order in the amount of $100.99.
On October 06, 2014 a new cycle began and an additional $3.72 in Safeline Fees and $10.72 in interest were added to the account balance.
On October 16, 2014, we made an adjustment to the type of balance that was left on the account to correct for the way we needed to process the return credits to facilitate the requests of Ms. [redacted]. This is seen on the account as a deduction for $314.74 and then an addition of the same amount back to the account.
As an exception, on October 16, 2014 we deducted $10.72 in interest from the account and $3.72 in Safeline Fees.
This accounted for more than the interest and Safeline Fees that accrued on the returned sofa. The amount of interest charged on the sofa was $8.53 and the amount of Safeline Fees for the Sofa was $4.89.
This results in the current balance on the account of $302.19. This will be visible as the balance on the next statement printing on November 06, 2014.
There never was $44.99 in interest charged on the account. The increase in the account balance is simply due to the normal accrual of interest on Ms. [redacted]'s account.
For Ms. [redacted]'s convenience, we have included the statements from August, September, October, and November with this response.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw
Business Response /* (2000, 26, 2014/11/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)
While I am NOT satisfied with this resolution on this issue I am going to simply pay off what's owed and CLOSE this account and NEVER have any further business with them. It took too long for any resolution and I had to get them to finally listen to my recording to get them to fully refund the sofa and delivery charges by contacting the Revdex.com. I will also insure that no one in my family or friends will do business with this company either. The charges in interest were charge to my account when the sofa and delivery charges were on my bill but I am guessing with all of the loss of business and complaints for unprofessional business practices this company feels the need to overcharge in such a manner. It is truly a shame that this matter could not be fully satisfied.
Thank you Revdex.com and Ms. [redacted] for attempting to fully resolve this matter. Your help has been appreciated!!
Ms. [redacted]

Initial Business Response /* (1000, 11, 2015/04/14) */

CONFIDENTIAL COMMUNICATION
March 27, 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.
I sincerely apologize to Ms. [redacted] for any confusion caused by her statements.
I want to clarify to Ms. [redacted] that this is a revolving account and as such, there is a required minimum amount due each month. A customer can pay more than the minimum amount due, but it will be applied to the month in which it was received.
When a payment is not received or is not the correct minimum amount due as indicated on the monthly billing statement, 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 interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date.
Because we have either not received payments on time or in the full amount due, Ms. [redacted] has received from our Payment Department. Additionally, Ms. [redacted]'s account accrued late fees.
In order for Ms. [redacted]'s payment to be applied to a given month, it must be received after the date her account cycles and her statement prints, which is currently the 7th of the month. For example, if she wants a payment applied to her January statement, the payment must be received after December 7th. If a payment were to be received before December 7th the payment will still go to the amount owed for December's due date. We do provide a mail out date on each statement, this date is for our customer who mail out their payments, we suggest you mail out your payment by this date so that we will receive your payments on time for each payment date.
Ms. [redacted]'s account has accrued an additional late fee in February due to a $20.00 payment being received after the scheduled due date for less than the minimum due of $44.98.
As requested, we will close Ms. [redacted]'s account and stop further phone calls. Her current balance is $337.01 and a minimum of $47.97, due April 3rd, 2015.
Ms. [redacted] can set up scheduled payments to automatically withdraw from her bank account on the date of her choosing. She can do this through the Fingerhut website or contact Fingerhut Customer Service; 1-800-208-2500, Monday -Friday 8 AM - 8 PM CT
We trust this explanation will meet Ms. [redacted]'s expectations of a satisfactory resolution, and sincerely appreciate her patience throughout this process.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/CC
Initial Consumer Rebuttal /* (3000, 13, 2015/04/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have tried to explain that the payment were only $20 and at times I paid more than the minimum. And the original bill was $289 and my payment's were as the date I received . That date was the 9th. Then I put in for auto pay an I did so on 2_separate ocassions an these people never take the payment instead call days later saying its late having me authorize the card again and continued to charge late payments. I've tried to pay the original bali owed instead they keep charging late fees. So now they have me owing more than the original purchase as though I never paid and purchased something else. I had insurance and I told them the micro cart was damaged
Final Business Response /* (4000, 20, 2015/05/12) */
CONFIDENTIAL COMMUNICATION
May 8, 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 further inquiry we received from your office on [redacted].
We have carefully reviewed Ms. [redacted]'s account for a second time and have the following information.
In Ms. [redacted]'s complaint she states her payments were due on the 9th of the each month. Additionally, she states she set up automatic payments on two different occasions.
The due date on Ms. [redacted]'s account is on the 3rd of every month. We have record of one scheduled payment set up on January 8, 2015 in the amount of $ 22.00 to be paid on February 3, 2015. This payment was unable to be applied to her account as the bank declined her payment
Our records indicate that all other payments on Ms. [redacted]'s account were made over the phone after her due date.
When a payment is not received or is not the correct minimum amount due as indicated on the monthly billing statement, 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 interest charges will accrue on the balance owed.
No adjustments will be made to the account. Ms. [redacted]'s account balance is $ 430.79, with a minimum of $107.95 due on June 3, 2015.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/CC

CONFIDENTIAL COMMUNICATION

0in 0pt; text-align: left;" align="left"> 
August 12, 2016
 
 
Revdex.com of Minnesota                                   �...⇄
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN  55337
 
 
Re: [redacted]
Case #: [redacted]
 
Dear Ms. [redacted],
 
We are writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut credit account.  We have included a copy of the account activity, credit application, Terms and Conditions, last three statements and a copy of the down payment transaction report.
 
Ms. [redacted] states she has never had an account with Fingerhut, has disputed the account through the credit bureaus and the responses verified the account. Ms. [redacted] further states she requested a validation from Fingerhut and was informed the account had been sold and to contact the lender that purchased the account. Ms. [redacted] is requesting to have the trade line removed from her credit bureau report.
 
According to our records, on February 1, 2015, an application was processed online using Ms. [redacted]’s name, address and social security number. Since the application was completed online, a written signature was not required. On March 17, 2015 an order was placed online for a Ginsu 14-Pc. Cutlery Set with Block, and an Alcove 12-Pc. Nonstick Aluminum Cookware Set. The merchandise was shipped March 20, 2015 via UPS to the same address as provided on the application.
 
We received the required $30.00 down payment on March 17, 2015 from a Visa debit card ending in 2395 shown in the name of [redacted]. Our records indicate there were no further payments received towards the account. The unpaid balance of $278.23 charged off on November 6, 2015 and the account was sold to Jefferson Capital on December 2, 2015.
 
According to our records Fingerhut has responded to Ms. [redacted]’s disputes through the credit bureaus on June 15, 22, 2016, July 1, 6, 26, 2016, and August 2, 2016.
 
Also according to our records Fingerhut has responded to a direct dispute received from Ms. [redacted] on July 1, 2016. Included in the debt validation letter advising Ms. [redacted] to contact Jefferson Capital, along with their telephone number, was a statement of account activity mailed to [redacted] Garner, NC 27529.
 
An account review completed on August 11, 2016 confirms that Equifax, Experian and Trans Union are reporting the account accurately as “Transfer/Sold and/or Purchased by Another Lender” with a zero balance.
 
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Ms. [redacted]’s Welcome Packet. It states:
 
“If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.”
 
Conversely, accounts that are in good standing will be reported as well.
 
If Ms. [redacted] has questions about what Jefferson Capital may be reporting, she may contact them directly at ###-###-####.
 
As Ms. [redacted] denies authorizing the credit application matching her personally identifiable information, we referred this matter to our Fraud Department for further review.
 
Our review did not find sufficient evidence of fraudulent activity, so we request further information from Ms. [redacted] to continue an investigation of fraud. We ask that she complete and return the unordered merchandise affidavit we have mailed directly to [redacted] Garner, North Carolina 27529 on August 12, 2016. We also ask that Ms. [redacted] file a police report and send both copies to the following address:
 
Fingerhut
Attn: Fraud Department
[redacted]
St. Cloud, MN 56303
 
Ms. [redacted] may also fax the affidavit and police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account.
 
Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation.
 
If Ms. [redacted] has further questions or concerns during the process, she may contact the Fraud Department at ###-###-####. Their hours are Monday – Friday 8:00am – 6:00pm Central Time.
 
Thank you for allowing us to explain.
 
 
 
 
 
 
Sincerely,
 
 
 
 
Kari [redacted]
Executive Care Team
KD/sa
 
Enclosures

Initial Business Response /* (1000, 6, 2015/07/30) */
CONFIDENTIAL COMMUNICATION
July 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 inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Unauthorized account activity is a serious matter, and we take seriously Ms. [redacted]'s claim that she did not authorize the order from June 23, 2015 that consisted of three items.
To assist Ms. [redacted] in this regard, our procedures required that an affidavit of unordered merchandise be sent, and for her to complete and return the form to us. The affidavit was sent on June 25, 2015 when Ms. [redacted] telephoned first notifying of the unauthorized order. We received the completed form on July 13, 2015 and opened an investigation.
On the same date, a letter was sent notifying the claim was denied, as the results of our investigation showed that the order was shipped and delivered to Ms. [redacted]'s address on file--and on her inquiry--of [redacted]., Deltona, FL 32725. The letter further advised: "If you do not agree with what we found, please file a police report. Please file a police report for unauthorized merchandise ordered in your name. Please mail a copy of the police report to...Fingerhut, [redacted], St. Cloud, MN 56303."
On July 17, 2015 Ms. [redacted] telephoned and gave the phone agent permission to speak about this matter with her son. He stated that they received the letter and indicated a police report could not be obtained given Ms. [redacted]'s health issues. The phone agent asked if he would be able to assist her with it, but he disagreed, stating a police report should not be necessary in resolving this matter. He then ended the call.
Please understand that a police report continues to be required, as per our Credit Risk Department's policy covering this type of situation. Without it, Ms. [redacted] remains responsible for payment per the terms and conditions of the Agreement.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 8, 2015/08/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
These items were never ordered or received by me or anyone in my family I refuse to pay for something that I did not order or received plus I do not appreciate getting [redacted] by them at all hours of the night and day getting yelled at for contacting the Revdex.com.org on them and being told I have no right to report them at all and per their terms and conditions on orders how am I supposed to obeyed by them were I didn't order anything so how can I accept their terms and conditions where I never saw them in the first place
Called the volusia sheriff explained to them what was going on they said that I'm not responsible for the items cause I didn't order or received that fingerhut was responsible where she never received order them they gave me an event number pXXXXXXXXX
Final Business Response /* (4000, 11, 2015/08/10) */
CONFIDENTIAL COMMUNICATION
August 10, 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].
Please understand that our Payment Department will phone customers with payment reminders when a payment is not received by the due date or if it is below the required minimum due. As a courtesy, we have placed a hold on Ms. [redacted]'s account so that reminder calls will cease for 15 days, as of the above date.
We realize Ms. [redacted] asserts that she has not yet received the account terms and conditions, but does confirm that she authorized opening the account: "I never received my fingerhut card when I opened the account..."
While we can send Ms. [redacted] another copy of the terms, it does not deviate from the fact that she agreed and became subject to them upon accepting the credit offer and opening the account. This is true whether she applied via phone, on the website or by regular mail. A copy of the terms are included along with this letter.
Please also understand that applying our policies consistently and equally to all customers is among our top priorities. As with any other customer with similar circumstances, Ms. [redacted] will need to provide a police report for unauthorized merchandise ordered in her name before we can investigate and/or remove the disputed charges.
To expedite, she may fax the police report to [redacted], Attn: Andy or send regular mail to [redacted]., St. Cloud, MN 56303.
Having provided all information available to us, we consider this matter closed.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah

Initial Business Response /* (1000, 6, 2014/10/14) */
CONFIDENTIAL COMMUNICATION
October 14, 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 on behalf of [redacted] regarding the partner company purchases on his WebBank/Fingerhut Advantage Credit Account.
I sincerely apologize to Mr. [redacted] for the difficulty he has experienced communicating with our agents.
I have verified that the credits referenced in his complaint were processed on the account. I have also credited the original shipping and handling for the order on the account in the amount of $15.10, the late fee in the amount of $6.99, and the interest in the amount of $1.88. These credits were applied to the account on October 13, 2014. The account balance is now $0.00.
Also, I have confirmed that his account was never reported as delinquent to the major credit bureaus.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw
Initial Consumer Rebuttal /* (3000, 8, 2014/10/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No, not totally I don't, they are referring the money back to my fingerhut acct.They are not saying that they are willing to give me the money back that I spent to return the goods, that I did not order.I want the money refunded back to me.Before this all started I had a 0.00 balance on my fingerhut account.I had to go to the Post Office on 2 separate occasion and buy the package and postage to send this stuff back.Probably cost me 20.00. I want that refunded to me,or given a credit on my account
Final Business Response /* (1000, 16, 2014/10/22) */
CONFIDENTIAL COMMUNICATION
October 21, 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 additional inquiry that we received from your office on behalf of [redacted] regarding the partner company purchases on his WebBank/Fingerhut Advantage Credit Account.
A partner company is a separate company that does some joint marketing with Fingerhut and takes the WebBank/Fingerhut Advantage Credit Account as a method of payment for their services or products.
As such, no further credits will be issued on his account.
I have, however, sent a $20 coupon under separate cover as a gesture of goodwill to Mr. [redacted].
At this time, we consider this matter closed.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw

THIS COMPANY WAS NOT ABLE TO ASSIST ME IN A IDENTITY THEFT SITUATION. INSTEAD OF HAVING ASSOCIATES READILY AVAILABLE TO ADDRESS MY CONCERN AND CLOSE DOWN A FRADUDELENT ACCOUNT TO PREVENT FUTHER FRAUD FROM BEING CONDUCTED ,I WAS TOLD TO LEAVE A MESSAGE AND A CALL WILL BE RETURNED TO ME WITH IN TWO DAYS . WHICH IS UNACCEPTABLE, THIS NEEDS TO BE ADDRESSED IMMEDIATELY.I HAVE NO BUSINESS WITH THIS COMPANY AND THEY DO NOT WISH TO ASSIST IN A TIMELY MANNER. THEIR VERFICATION PROCESS NEEDS TO BE IMPROVED TO PREVENT THESE THINGS FROM HAPPENING AND THEY NEED TO DEVELOP A TEAM TO ASSIST WITH CONCERNS OF THIS NATURE QUICKER THAN LEAVING A MESSAGE AND HAVING A COMPANY THAT YOU HAVE NO BUSINESS WITH CALL YOU WITH IN TWO DAYS.

CONFIDENTIAL COMMUNICATION

"Arial",sans-serif; font-size: 10pt;">December 27, 2016                                      ...⇄ # [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 we received from your office on behalf of Ms. [redacted] regarding a PayCheck Direct Account.
 
Ms. [redacted] states she contacted PayCheck Direct regarding an order placed on December 8, 2016. She was told the first payment would not come out of her account until December 30, 2016. She received a confirmation e-mail confirming the merchandise would be delivered on December 19, 2016. When she contacted PayCheck direct for a delivery time, she was told her items would not be delivered due to two payment reversals on her account. Ms. [redacted] asserts the customer service representative she spoke with was rude and unhelpful. Ms. [redacted]’s desired resolution would be to have the merchandise delivered and have the $60.00 over draft fee credited from her bank.
 
Our records indicate Ms. [redacted] placed an order for a Timberland PRO Men's 6" Steel Toe Boot and a Sony PS4 500GB Uncharted 4: A Thief's End Console Bundle with a 2 Year Service Plan on November 29, 2016. This order was cancelled due to the payment reversal.
 
Ms. [redacted] made two payments on December 8, 2016 in the amounts of $19.22 and $7.54. Both of these payments were reversed. When a payment is declined the account is placed on hold. Once a successful payment is made, the payment is held for 14 days.  If no further issues occur an order can be placed at that time.
 
A successful payment was made on December 16, 2016 in the amount of $26.20. On that same date the order was replaced for the merchandise. Ms. [redacted] will need allow 10 days from the time the payment was made for the payment to clear and an allow an additional 7-10 days for delivery.
 
These items have an expected delivery date of January 4, 2017.
 
We apologize Ms. [redacted] felt the representatives she spoke with on December 15, 2016 were discourteous. Her report of unacceptable service from one of our agents is regrettable. They are accountable to meet our professional standards and avoid any instance that might cause our customers to feel they are not being heard or understood. We appreciate Ms. [redacted]’s feedback.
If Ms. [redacted] has any additional questions she may contact PayCheck Direct 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

0in 0pt; text-align: left;" align="left"> 
July 5, 2016
 
 
 
Revdex.com of Minnesota                                   �...⇄
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN  55337
 
 
Re: [redacted]
Case #: [redacted]
 
Dear Ms. [redacted],
 
I am writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account. Attached are a statement of account activity, credit application, Terms and Conditions, the last three statements, and an unauthorized merchandise affidavit.
 
Mr. [redacted] states that Fingerhut is showing an account in collections on his credit report. He further states he has never had an account with Fingerhut and the account does belong to him. Mr. [redacted] would like the trade line removed from all three credit bureaus.
 
Based on our research on February 5, 2014, an application was processed online using Mr. [redacted]’ name, address and social security number. On February 12, 2014 an order was placed online for a NutriBullet Nutrient Extractor by Magic Bullet. The merchandise was shipped via SpeeDee to the same address as provided on the application.
 
Our records indicate multiple payments were received from checking account ending in [redacted] in the name of [redacted]. The most recent payment of $59.97 was received on August 14, 2015. The unpaid balance of $1,012.24 charged off on March 18, 2016 and the account was sold to Jefferson Capital on April 29, 2016.
 
If Mr. [redacted] has further questions about what Jefferson Capital may be reporting, he may contact them directly at ###-###-####.
 
Based on an account review on June 30, 2016, Experian and Trans Union are reporting the account as Charged Off. Equifax suppressed the trade line in May 2016. An electronic update was sent to Experian and Trans Union on June 30, 2016 to update the account as Purchased by Another Lender with a balance and past due of $0.00. (Ref. #[redacted]).
 
We cannot revise any additional information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]’ Welcome Packet. It states:
             
“If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.”
 
Conversely, accounts that are in good standing will be reported as well.
 
If Mr. [redacted] believes this account was opened fraudulently, he must complete and return the attached unordered merchandise affidavit. We also ask that Mr. [redacted] files a police report and send both copies to the following address:
 
            Fingerhut 
Attn: Fraud Department
[redacted]
St. Cloud, MN 56303
 
Mr. [redacted] may also fax the affidavit and police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account.
 
Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation.
 
If Mr. [redacted] has further questions or concerns, please contact the Fraud Department at ###-###-####. Their hours are Monday – Friday 8:00am – 6:00pm Central Standard Time.
 
We hope this information has been helpful.
 
Sincerely,
 
 
 
 
Kari [redacted]
Executive Care Team
KD/sjj
 
Enclosures

They keep raising your credit for no reason really. I have 3 times more credit with them than any other credit card and its maxed. That makes no sense. Then besides paying high interest to build your credit which I get....every item is at least $30-several hundred dollars overpriced. For example a $80 knife is $169.00. I will never buy another thing from them again. EVERYTHING is way overpriced on top of paying interest on the item.

Initial Business Response /* (1000, 5, 2016/02/04) */
CONFIDENTIAL COMMUNICATION
February 4, 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.
We take claims of unauthorized account activity very seriously and have reviewed Ms. [redacted]'s claim. The account matching Ms. [redacted]'s name and other personal information was referred to our Credit Risk Department for investigation who advised us that they were already in contact with Ms. [redacted] regarding the issue.
On January 29, 2016 a Credit Risk representative spoke with Ms. [redacted] and explained to her that the account had been marked as fraud and that an affidavit of unordered merchandise sent for her to complete and return to us for our records. Additionally, she was informed that a pre-paid return label was sent so she could return the merchandise at no expense to her. If the merchandise is not returned, Ms. [redacted] was correctly informed that we would require a police report to finalize the investigation and relieve her of the debt.
Our records indicate a total of three items were sent to Ms. [redacted]'s address: an Alcove Fast Dry 10-Piece Towel Set, an Origami Paper Kit, and a Miraclebody by Sandra D. Ankle Jean. She can return these items using the prepaid label that was sent to her.
Ms. [redacted] can fax the completed affidavit to [redacted], Attn: Credit Risk/Fraud. Once the affidavit and items are returned, we will finalize the investigation and notify Ms. [redacted] by mail of the outcome, including any corrective adjustments made to her credit files. She should allow up to 15 days from the date she sends back the merchandise and affidavit for this process to be completed.
We appreciate Ms. [redacted]'s ongoing patience and cooperation with our efforts to resolve this matter.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah

CONFIDENTIAL COMMUNICATION
March 24, 2016
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Case #: [redacted]
Dear Ms....

[redacted],
I am writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and an unordered merchandise affidavit.
Mr. [redacted] states in his complaint that there is a WebBank/Fingerhut credit account on his credit report that he believes is fraud. Mr. [redacted] is requesting more information about the account, specifically when the order was placed and what was ordered.
The WebBank/Fingerhut credit account ending in [redacted] was opened on September 28, 2014 when an application for credit was processed online. The name, phone number and email address on the application is the same one provided when contacting us regarding this issue.
One order was placed on September 28, 2014 for an XBOX One Console. The merchandise was shipped by Spee Dee to the address on the application.
A payment for $81.98 was processed on November 22, 2014 with a MasterCard debit card ending in [redacted]. The name on the card was [redacted]. The unpaid balance of $703.22 charged off on July 5, 2015 and the account was sold to [redacted] on August 4, 2015. [redacted] can be reached at ###-###-####.
According to our records, Mr. [redacted] spoke with Fingerhut on April 16, 2015. The account was verified and Mr. [redacted] stated he would pay off the account in May 2015.
The last record of speaking with Mr. [redacted] was July 3, 2015 in which he verified the account and stated he was unable to pay because he was waiting for a tax refund. After reviewing the call recording, Mr. [redacted] gave no indication he suspected this account was opened fraudulently.
An account review on March 18, 2016 confirmed that the credit bureaus are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance and past due of zero.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]'s Welcome Packet. It states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well.
If Mr. [redacted] believes this account was opened fraudulently, he can complete and return the attached unordered merchandise affidavit. We also ask that he file a police report and send both copies to the following address:
Fingerhut
Attn: Fraud Department
[redacted]
St. Cloud, MN 56303
Mr. [redacted] may also fax the affidavit and police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account.
Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation.
If Mr. [redacted] has further questions or concerns, he can contact the Fraud Department at ###-###-####. Their hours are Monday - Friday 8:00am - 6:00pm Central Time.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
Enclosures

CONFIDENTIAL COMMUNICATION
sans-serif;"> 
November 28, 2016
 
Revdex.com of Minnesota                                                                                                     Attn:  [redacted] 220 S. River Ridge Cir. 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].   As an assurance to Mr. [redacted], he has now been added to our Do Not Solicit list. As our contact lists are prepared several weeks in advance, it may take up to four to six weeks for the solicitations to completely stop.   Mr. [redacted] will cease to be contacted in any way by our company. We apologize for any inconvenience.   Thank you for allowing us to assist and explain.   Sincerely,  
Vi [redacted] Executive Care Team   VF/ah