Bluestem Brands, Inc.

Positive

[redacted] CONFIDENTIAL COMMUNICATION
left;" align="left">
March 28, 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 his WebBank/Fingerhut Credit Account.
Mr. [redacted] states even though his account was sold, Fingerhut accepted payments on February 8, 2016 and February 10, 2016. Mr. [redacted] further states he was told the payments should have been forwarded a couple of days after they were received, but the collection agency, Jefferson Capital, still has not been notified. As he made the payments a month before Jefferson Capital reported the account to the credit bureaus, Mr. [redacted] is requesting that Jefferson Capital to delete their trade line and for Fingerhut to update their trade line to reflect paid.
According to our records, an application for credit was processed June 24, 2013 when an order was placed online for a Lee Men's Carpenter Shorts and a Lee Men’s Belted Cargo Short - Regular. The name and address on the application is the same one Mr. [redacted] provided when contacting us regarding this issue.
Payments were processed with a checking account, MasterCard and Visa debit card in the name [redacted]. The last payment received was on May 22, 2015 for $50.00.
Mr. [redacted]’s account charged off with an unpaid balance of $883.89 on December 11, 2015 and Fingerhut ceased collection activity.
The account was sold to Jefferson Capital on December 30, 2015.
Fingerhut reported Mr. [redacted]’s account to the credit bureaus on January 13, 2016 as Transfer/Sold with a balance of zero. No further updates have been sent as Fingerhut no longer owns the account.
According to our records, Mr. [redacted] made an online payment of $557.89 on February 8, 2016. On February 10, 2016, a second online payment for $326.00 was received.
Had Mr. [redacted] contacted Fingerhut before he processed the payments online, he would have been redirected to Jefferson Capital.
We have verified that Mr. [redacted]’s two payments received after the account was sold were forwarded to Jefferson Capital on March 10, 2016. Please be advised that it can take up to sixty days for the payments to be forwarded and applied once an account is sold.
Mr. [redacted] corresponded with an agent via our online chat feature on February 29, 2016 and March 18, 2016. Mr. [redacted] was advised the money would be forwarded, but no time frame was provided.
According to an account review on March 22, 2016, Fingerhut is reporting Mr. [redacted]’s account 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] has questions about what Jefferson Capital may be reporting, he may contact them directly ###-###-####.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg

Initial Business Response /* (1000, 5, 2014/10/21) */
CONFIDENTIAL COMMUNICATION
October 18, 2014
Revdex.com of Minnesota
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 calls she is receiving for one of our WebBank/Fingerhut credit account customers.
Ms. [redacted] states that Fingerhut is repeatedly calling her cell phone looking for one of our customers and she would like the calls to stop.
Our records indicate that phone number [redacted] associated with the customer Ms. [redacted] named in her complaint was removed from the account on October 13, 2014.
As Ms. [redacted] did not include the number on which she has been receiving calls in her complaint, we cannot be certain this is the correct number. If the number listed above is not the number Ms. [redacted] is receiving calls on, please contact Fingerhut customer service and provide the correct number for removal. Customer Service can be reached Monday -Friday 8:00 am to 8:00 pm at [redacted].
We apologize for any inconvenience this situation has caused Ms. [redacted].

Sincerely,
[redacted]
Executive Care Team
VF/ljg

Initial Business Response /* (1000, 7, 2014/11/17) */
CONFIDENTIAL COMMUNICATION
November 17, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]- [redacted], [redacted] J
Dear Ms. [redacted],
I...

am writing in response to the inquiry that we received from your office on behalf of [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Mr. [redacted]'s account indicates that an order was placed on August 29, 2014 for a McLeland Design Stockholm 5-Pc. Dining via the web.
Mr. [redacted]'s account indicates that he first contacted us on September 5, 2014 to inform us that he did not receive the hardware, instruction manual or the legs for the table. Our records indicate that the hardware, instruction manual and legs were sent to Mr. [redacted] on September 8, 2014.
Our records indicate that Mr. [redacted] contacted us several times regarding the missing parts and instruction manual over the last two months.
I have requested the legs for the table Mr. [redacted] ordered to be re-shipped to him, he should receive them on November 19, 2014. The tracking numbers for the shipment are[redacted]
I have issued a $50.00 credit to Mr. [redacted]'s account for the dining set. I hope that he will accept this with my sincerest apologies. Fingerhut's goal is to provide professional customer service in all interactions and our representatives are trained accordingly. We apologize if we have fallen short of Mr. [redacted]'s expectations.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ca
Initial Consumer Rebuttal /* (3000, 9, 2014/11/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
On sept 8th they did send me a part to the table that the legs attach to. I called them back and told them I had already received that part, that it was the actual table legs themselves I needed. They said they would resend me the right part and until today no matter how many times I called and they said they would send me the legs, they never sent me anything else excepts the hardware. Today 11-19-14 I came home and there were 5 boxes on my porch from them. All of the boxes contained the exact same piece that the legs attach to that I have already received twice. STILl NO LEGS!!! Attached is a picture of the piece I was sent. These are not table legs obviously.
Final Business Response /* (4000, 11, 2014/12/03) */
CONFIDENTIAL COMMUNICATION
December 3, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]- [redacted], [redacted] J
Dear Ms. [redacted],
I am writing in response to the inquiry that we received from your office on behalf of [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
We sincerely apologize for any frustration Mr. [redacted] has experienced relating to his order of the McLeland Design Stockholm 5-Pc. Dining Set.
Upon further investigation our warehouse found that the wrong part was sent to Mr. [redacted]. We will be sending the table legs to Mr. [redacted] on December t3, 2014. The UPS tracking number for this will be [redacted].
I have issued an additional $50.00 credit to Mr. [redacted]'s account for the dining set. I hope that he will accept this with my sincerest apologies.

Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ca

Initial Business Response /* (1000, 8, 2014/06/03) */
CONFIDENTIAL COMMUNICATION
May 27, 2014
Revdex.com of Minnesota #[redacted]
Attn: [redacted],
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]...

[redacted]
Case #: [redacted]
Dear Ms. [redacted],
We are writing in response to a complaint received in your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut credit account.
Ms. [redacted] stated that she enrolled into a reduced payment plan and set up reoccurring payments to come out electronically on the third of each month. She was surprised when Fingerhut began calling for payments and explained that she was on a payment plan, but the calls continued.
Our records show that Ms. [redacted] enrolled in a nine month reduced payment plan with a Fingerhut representative on December 31, 2013. At that time, she set up nine electronic payments to come out on the third of each month from January, 2014 to September, 2014. The payment plan was agreed upon, but it was never activated. Consequently, Ms. [redacted] was making the $34.00 payments, but the fact she was enrolled in the program was not entered into our system.
Fingerhut has removed all late fees that were incurred on Ms. [redacted]'s account from January 2014 to May 2014. The interest on her account has been adjusted to the amount she would have been charged had the payment plan been in effect. An update has been sent to all three credit bureaus to update the adjusted balance on Ms. [redacted]'s account.
We appreciate your understanding in this unfortunate matter,
Sincerely,
[redacted]
Executive Care Team

CONFIDENTIAL COMMUNICATION
 
Roman" size="3"> June 14, 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 Fingerhut/FreshStart Account.
 
Ms. [redacted] claims she purchased a defective Keurig from Fingerhut. She has requested prepaid postage labels to return the product however has not received them. She is wanting to return to product and be credited for what she has paid on her account.
 
Our records indicate Ms. [redacted] purchased a Keurig K55 Single-Serve Brewer on April 23, 2016. On May 6, 2016 Ms. [redacted] contacted Fingerhut stating the Keurig was defective.
 
Fingerhut does require returns and exchanges to be made in accordance to 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, videogames, 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.”
 
A return label would have been included in the original package, however on that same date a prepaid postage label was mailed to Ms. [redacted]’s address, [redacted] Harlingen, TX 78550.
 
Ms. [redacted] contacted Fingerhut on May 20, 2016 stating she never received the prepaid postage label. On that same date, an additional postage label was mailed.
 
On June 14, 2016 a third prepaid postage label was mailed to Ms. [redacted]. She should allow 7 to 10 business days to receive the postage label.
 
Considering Ms. [redacted] contacted Fingerhut within 30 days of the purchase date we will issue her credit or exchange upon review of the item once received.
 
As Ms. [redacted] is returning the Keurig to Fingerhut she is still required to make the minimum payments due on her account. At this time the current balance on her account is $131.38. A minimum payment of $23.52 is due by June 20, 2016.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
 
Vi [redacted]
Executive Care Team
 
VF/KS

October 26, 2016
 
Revdex.com 
Attn:  [redacted]...

[redacted]
220 S River Ridge Circle
Burnsville, MN  55337
 
 
 
Re:   [redacted]
ID #  [redacted]
 
Dear Ms. [redacted],
 
We are writing in response to an inquiry received from your office on behalf of [redacted] regarding a Haband merchandise return. 
 
Ms. [redacted] states that she placed an order for three pairs of cotton shorts in July 2016.  When the order arrived, the shorts didn’t fit so she returned them. She further states that she has written and called Haband’s customer service, however, he has not received an exchange for the shorts or a refund. Ms.[redacted] would like a full refund for the shorts plus the return label fee.  
 
Our records support that an order was placed by Ms. [redacted] on July 19, 2016 for three pairs of Haband’s Boardwalk Knit Shorts.  The price of the shorts were $7.99 per pair plus $6.99 shipping/handling.   The total for this order was $30.96.
 
We tracked the returned package with our carrier and the tracking information states that our warehouse received on September 7, 2016.   Although our exchange/returns form does advise our customers to allow 2 – 4 weeks for returns processing, her return was not refunded within this time frame. For this we apologize. In reviewing her account, we cannot establish that verbal or written correspondence received from Ms. [redacted]. 
 
Refund check # [redacted] for $30.96 was issued on October 21, 2016 and mailed on October 24, 2016 for the returned merchandise including shipping/handling.  As a one-time courtesy, an additional refund for $9.99 was issued on October 24, 2016 to reimburse Ms. [redacted] for the cost of the inbound postage.  This refund will be mailed on October 26, 2016.
 
If Ms. [redacted] has any further questions or concerns, she may contact me at ###-###-#### between 9 am- 3 pm (EST), Monday – Friday.
 
Thank you for allowing us to explain.
 
Sincerely,
 
Lea [redacted]
Haband Customer Service
Bluestem Brands, Inc.         
...

CONFIDENTIAL COMMUNICATION   July 15, 2016                                                                                           #[redacted]                                     Revdex.com of Minnesota                                   �...⇄ Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337   Re: Case # [redacted] – [redacted]   Dear Ms. [redacted],   I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted].   As an assurance to Ms. [redacted], although it may appear we are reporting two separate accounts, it really is just a continuation of the same account with the same account number.   WebBank, as the bank issuer of all Fingerhut credit accounts, will appear alongside Fingerhut on the label of the account trade-line. Typically, it is labeled and appears on the credit report as “Fingerhut/WebBank” or WebBank/Fingerhut.”   Our records indicate we received Ms. [redacted]’s completed fraud affidavit on July 8, 2016 and forwarded it to the Credit Risk Department for review at that time. On the same date, they finalized the investigation, approved Ms. [redacted]’s claim, closed the account for fraud, and sent requests for removal of the trade-line from all credit bureaus where it appeared.   Ms. [redacted] should allow 30 to 60 days from this response for the updates to process and reflect on her credit files.
 
Thank you for this opportunity to explain.
 
Sincerely,     Vi [redacted] Executive Care Team
VF/ah

CONFIDENTIAL COMMUNICATION

face="Arial" size="2">
April 15, 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 WebBank/Fingerhut Advantage Credit Account.

Our records indicate Ms. [redacted] placed an order on our website on March 14, 2016 for two Fisher-Price Power Wheels 12V Kawasaki Brute Force Ride-Ons totaling $1,029.66. On March 27, 2016 Ms. [redacted] emailed us to advise the items she received were different than the offer advertised on our website. In the description of the product on our website based on the information we received from our vendor indicated the item was a two-seater, included sound effects and has a maximum weight limit of 130 lbs. Ms. [redacted] advised us when she received the item(s), it had one seat, no sound effects and a maximum weight limit of 65 lbs.

We referred the information Ms. [redacted] shared with us to our vendor to verify/update the description they provided for the item on our website. We were able to validate the item only has one seat and no sound effects and the description has since been updated on our website. We are still researching the maximum weight limit with our vendor since according to the Fisher-Price website the maximum weight limit is listed at 130 lbs. Once we have the information needed we will determine if a change needs to be made on our website. We make every effort to ensure the information we have is valid and we appreciate Ms. [redacted] bringing this to our attention. The price reflected on our website and that Ms. [redacted] was charged is correct for the item she received. We sincerely apologize for any inconvenience the incorrect description may have caused. As a courtesy we have credited $150.00 for each of the Ride-Ons. Ms. [redacted] will see the credits within 1-2 billing cycles on her monthly billing statement. No further discounts or credits will be issued.

Our customers are very important to us and we strive to assist and satisfy them. I trust with this information we have done so with Ms. [redacted].

Thank you for allowing us to assist and explain.


Sincerely,


Vi [redacted]
Executive Care Team
VF/bw

Initial Business Response /* (1000, 9, 2014/02/28) */
[redacted] St. Cloud, MN 56303
www.fingerhut.com
CONFIDENTIAL COMMUNICATION
February 28, 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], regarding a recent Cease & Desist confirmation letter she received from us.
We regret to inform you that the letter was sent in error. Ms. [redacted]'s account was marked Cease & Desist back on April 4, 2008, per her request, and still retains that status.
The error has been corrected, and we apologize for any confusion this may have caused.
Sincerely,
[redacted]
Executive Care Team
VF/tas
Final Consumer Response /* (3000, 11, 2014/02/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
still does not fix the fact reporting and updating still violates a federal court order the ftc got when fingerhut was owned by compu credit --- this account was from those days and compu credit had a lot of violations in federal law the way they marketed and hiding of gotcha terms

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 for taking care of the issues that were addressed. I do need to mention that the customer service that was received from the general customer service lines were completely unprofessional and unsatisfactory. The agents were rude, spoke over us, yelled at us and refused to let us speak to a supervisor. Also, I did see that you mentioned that the account was noted on 9/21 for our complaint... We had been calling every other day since 9/6 and were promised, by the agents, that my account would be noted about the missing parts. This is upsetting to read that there were more lies that were given in this ordeal.
I can not say that I will be using your company in the future due to this whole mess. The fact that the agents were trying to charge me for an item that clearly was part of the description, does not sit well with me. They had offer to sell us the heater for a "discounted rate" from $100 to $50, plus shipping and handling... it's just not right.  
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/07/23) */
CONFIDENTIAL COMMUNICATION
July 23, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am...

writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records support that order number [redacted] was placed on Ms. [redacted]'s account on April 24, 2015 for a Garmin Nuvi 7-inch GPS with Free Lifetime Maps.
The account is noted that Ms. [redacted] telephoned on May 10, 2015 first notifying that she did not receive the GPS. The phone agent referred the matter so that, on the following day, an affidavit of merchandise not received was sent to Ms. [redacted]'s address on file of [redacted]., South Chesterfield, VA 23803.
Ms. [redacted] again contacted us via email on May 30, 2015 stating she did not receive the item and requested her account be credited. Although the email did not reference the earlier affidavit we had sent, the agent replied to the email on June 2, 2015 that another affidavit was being sent. Ms. [redacted] was also advised to "please allow 10-15 days from the day you mail the completed affidavit back for us to investigate what happened."
To date, we have no record of receiving Ms. [redacted]'s completed affidavit. Please understand we will not be able to resolve Ms. [redacted]'s missing merchandise claim until a completed form is returned, as required by our policy. For this reason, we sent another affidavit on July 22, 2015 to Ms. [redacted]'s address referenced above. To expedite, she should fax the completed affidavit to [redacted], Attn: Andy or send regular mail to [redacted] St. Cloud, MN 56303. Once received, we will further investigate this matter.
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah

CONFIDENTIAL COMMUNICATION


size="3"> May 2, 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.

Our records indicate Ms. [redacted] purchased a BLU Studio 5.5 Unlocked Android Smartphone Yellow with a 2 Year Service Plan on November 23, 2014.

Ms. [redacted] states she contacted Fingerhut stating the smartphone was stolen. We have no record of this communication.

Ms. [redacted] purchased a 2 Year Service Plan which began on November 24, 2015. This plan is though NEW (National Extended Warranty). They can be contacted at ###-###-####. Her warranty contract number is [redacted].

Our records indicate that due to severe delinquency, Ms. [redacted]’s Webbank/Fingerhut Advantage Credit Account was charged off on September 16, 2015, with a balance owing of $598.85, and then sold to Portfolio Recovery Associates on October 1, 2015.

For any further assistance Ms. [redacted] should need regarding this debt, she should contact Portfolio Recovery Associates at ###-###-####.

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 your 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. 

Thank you for allowing us to explain.

Sincerely,



Vi [redacted]
Executive Care Team

VF/KS

Initial Business Response /* (1000, 7, 2015/02/04) */
CONFIDENTIAL COMMUNICATION
January 3, 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 that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Ms. [redacted]'s account indicates an order was placed on November 19, 2014 on our website for a
Disney Princess 4 pc Camp Set, Madison Park Bryn 7 pc. Comforter Set, Lite Brite Magic Screen, Lego Disney Princess Cinderella's Castle, Hasbro Disney Jr. Guess Who Game, Butterfly Toy Box, Disney Frozen Fashion Activity Tote and Binded Rice Straw Storage Baskets Set of Four. Our records indicate this order was sent in four separate shipments with all showing delivered between the dates of November 25, 2014 and December 4, 2014.
Ms. [redacted]'s account indicates that on December 26, 2014, we sent an "affidavit of non receipt of merchandise" as required by our policy covering this type of claim. In the instructional letter accompanying the affidavit it was advised that, "We also need you to file a police report with your local department. If you cannot file a police report, please provide the case number, date of the report, officer's name and phone number. Return the police report (or case information) with the form by email, fax or mail."
Our records indicate that we received the affidavit on January 7, 2015, however, there was no police report received at that time with the affidavit and a letter of denial was mailed to Ms. [redacted].
On January 23, 2015, we received a fax that included the police report number only, not the actual police report. We also did not receive any precinct phone number, officer's name, or the date the report was filed.
As of January 30, the balance for this order has been put in dispute, per Ms. [redacted]'s request. We appreciate Ms. [redacted]'s continued assistance regarding the copy of the police report so we may investigate the missing packages. As a courtesy, we attempted to contact the Monroeville Police Department at their non-emergency phone number of 1-[redacted] to inquire about the police report and were advised the police report has not been completed at this time. Without a copy of the police report or the officer's name, phone number and date of report we are unable to complete the investigation. Ms. [redacted] may expedite her claim by faxing the police report information to: [redacted], Attn: [redacted]; or via regular mail to: [redacted], St. Cloud, MN. 56303. Once received, we will further pursue this matter.

Thank you for allowing us to assist and explain.
Sincerely,
[redacted]
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (3000, 9, 2015/02/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is a lie. On the fax in January, A COPY OF THE POLICE OFFICER'S BUSINESS CARD WAS INCLUDED. Their Affidavit states that "if a police report is not provided, a POLICE REPORT NUMBER WILL BE ACCEPTED. ON JANUARY 25, I CALLED AND CUSTOMER SERVICE SAID THEY HAD A COPY OF THE POLICE REPORT. PULL THE PHONE CALLS.
Since they want to play games, I will provide his information here: Monroeville Police Department, Officer [redacted], email, [redacted], Phone No. [redacted], Report No. [redacted]. The fax is [redacted]. In order to obtain a copy of the police report, people are advised to call [redacted], the Police Records Department, Monday - Friday 8:00 a.m. - 4:30 p.m.
I will try to obtain a copy, as well, but I am angry because their customer service agents are all located in the Caribbean, and they do not understand me, and they told me THEY HAD A COPY OF THE ACTUAL REPORT. HAD THEY TOLD ME TO GET A COPY, I WOULD HAVE PROVIDED ONE WEEKS AGO.
Please credit my account, and stop stalling. I have complied fully. AS PER YOUR AFFIDAVIT, I COMPLIED BY PROVIDING A POLICE REPORT NUMBER. PLEASE SEE ATTACHED DOCUMENT.
Thank you.
[redacted]
Final Business Response /* (4000, 11, 2015/02/12) */
CONFIDENTIAL COMMUNICATION
February 12, 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 additional inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
We appreciate Ms. [redacted]'s diligence and patience during our investigation into the merchandise she did not receive. We received a fax from Ms. [redacted] that had all of the pertinent information needed for us to conclude our investigation. On the original document that included the officer's name and phone number, there was no report or case number included. When we received the report/case number, the officer's name and phone number were missing. We apologize for the length of time it has taken us to resolve the issue.
All credits have been issued to the account including any late fees and interest charges that were billed. The balance on the account is zero and all credits will reflect on the statement printing on February 15, 2015. Additionally, we have updated the information on her account to the credit agencies and advise to allow up to 60 days for the update to process.
We trust this explanation and measures taken 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 and assist.
Sincerely,
[redacted]
Executive Care Team
VF/bw

Initial Business Response /* (1000, 5, 2015/03/26) */
CONFIDENTIAL COMMUNICATION
March 24, 2015
Revdex.com of Minnesota
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 father's WebBank/Fingerhut Credit Account.
Ms. [redacted] states she is receiving calls for her deceased father and would like the calls to stop.
According to our records, Fingerhut has attempted to reach a customer at the number Ms. [redacted] provided on the header of this complaint.
On March 19, 2015, the number [redacted] was removed from our customer's account.
If there are any additional numbers that Ms. [redacted] needs removed, she may contact Customer Service at [redacted] Monday - Friday from 8 am - 8 pm Central Standard Time.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/lg
Initial Consumer Rebuttal /* (3000, 7, 2015/04/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Because now they are having a collection agent calling and still sending bills to me
Final Business Response /* (1000, 10, 2015/04/22) */
CONFIDENTIAL COMMUNICATION
April 20, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to a second inquiry received from your office on behalf of Ms. [redacted] regarding her father's WebBank/Fingerhut Credit Account.
Ms. [redacted] states she is receiving calls and bills from a collection agency and would like the collection activity to stop.
According to our records, Fingerhut removed the number [redacted] from a customer's account on March 19, 2015. Our records indicate that we have not made any attempts to collect on Mr. [redacted]'s account since March 16, 2015. If there is another phone number on which Ms. [redacted] believes she is receiving collections calls from Fingerhut, we encourage her to contact Customer Service at [redacted] Monday - Friday from 8 am - 8 pm Central Standard Time.
If Ms. [redacted] is receiving calls or statements from a company other than Fingerhut, we recommend she contact them directly.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/lg

Initial Business Response /* (1000, 5, 2014/07/24) */
CONFIDENTIAL COMMUNICATION
July 23, 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.
Mr. [redacted]'s account reflects he placed an order on May 21, 2014, for Hanes Men's Crew Socks (10pk) and a pair a Skechers Men's Expected Avillo Casual Shoes.
The Hanes Socks were on backorder and then canceled due to no inventory. The Skechers shoes show they were shipped and delivered on May 29, 2014, by the United States Postal Service. There are no notes on Mr. [redacted]'s account to indicate he contacted us about not receiving the shoes.
After careful review and consideration, we have issued credit for the Skechers shoes. We have also credited the accrued late fees and interest in relation to this item. Mr. [redacted]'s will see these credits on a future billing statement.
As of July 25, 2014, Mr. [redacted]'s account has a zero balance.
Additionally, we have updated the information on Mr. [redacted]'s account to the credit bureaus and advise it may take up to sixty days for the update to process.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/mhp

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 Revdex.com after being told many times I didn't qualify for an account with them it has been solved and I was approved for a new account now.

Initial Business Response /* (1000, 5, 2015/08/13) */
CONFIDENTIAL COMMUNICATION
August 11, 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.
The inquiry indicated several concerns that Ms. [redacted] has had with her account, which I will address as follows.
First, Ms. [redacted] expressed she felt she received poor customer service. We at Fingerhut always strive for excellence and professionalism in all customer interactions and we apologize if this was not accomplished.
Next, she claimed that she did not receive statements for September-December 2013. Our records indicate that she is set up to receive her statements electronically. Statements were sent to her email address [redacted]@GMAIL.COM until the account became delinquent in May of 2014. At this time, paper statements resumed. Payments were due on the 18th of each month, and it is our policy that, if payments are late or short of the minimum due, late fees will be applied to the account. Our records show that we did not receive a payment in September, October, and November 2014. In December 2014, we received a payment of $78, which did not meet the minimum amount due.
Lastly, Ms. [redacted] is unhappy with the four late payments which are reflecting on her credit report. We are unable to remove the delinquency history from the credit report, as we are required by law to furnish accurate monthly payment and account history to the credit bureaus.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm

Initial Business Response /* (1000, 6, 2015/01/22) */
CONFIDENTIAL COMMUNICATION

January 22, 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 that we received from your office on behalf of [redacted] regarding the McLeland Design Brooklyn 30pc Super Set in Queen purchased on her WebBank/Fingerhut FreshStart Credit Account.

At the time the original order was processed the down payment was taken from the card ending in 0843. This payment was processed by the customer on the web page.

The original order was cancelled due to the address being incorrect on December 11, 2014 at Ms. [redacted]'s request. This resulted in a temporary overpayment of the account for $30 due to the received down payment. At the time the manual order was placed, the $30 overpayment was utilized as the down payment for the new order.

On December 31, 2014 a manual order was referred to a specialist to be placed. This order was processed on January 19, 2015 as Ms. [redacted] had requested. We apologize for the delay in processing caused by the holiday season. The manual order for this item processed on January 19, 2015. The UPS tracking item for the package is [redacted]. According to the UPS website tracking, the expected delivery date is January 23, 2015. This order may be tracked at www.ups.com.

Unfortunately, because the WebBank/Fingerhut FreshStart Credit Account is an installment loan, we are unable to close the account until it is paid in full. Because of this, the account will remain open and subject to the Terms and Conditions of the Agreement.

If Ms. [redacted] no longer wishes to purchase the item, she may reject the package or take advantage of our 30-day in-home trial period. Return instructions will be included with the item.

Thank you for allowing us to explain.

Sincerely,




[redacted]
Executive Care Team

VF/jw

Initial Business Response /* (1000, 5, 2014/08/01) */
CONFIDENTIAL COMMUNICATION
July 31, 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 Advantage Credit Account.
[redacted] from our office called and spoke with Ms. [redacted] on July 31, 2014, in regards to the damage to the Ashley Montgomery Mocha Sofa she ordered.
Ms. [redacted]'s account reflects she had previously received a $100.00 credit on this sofa order. However, after careful consideration, we offered Ms. [redacted] an additional credit of $225.99, the amount of the original shipping and handling. Ms. [redacted] accepted this offer and advised [redacted] she will keep the couch. Ms. [redacted] will see this credit on a future billing statement.
I sincerely apologize to Ms. [redacted] for any inconvenience this issue may have caused.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/mhp