Bluestem Brands, Inc.

CONFIDENTIAL COMMUNICATION

Roman" size="3"> May 11, 2016                                      ...⇄

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

Re: Case# [redacted]

Dear Ms. [redacted],

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

Mr. [redacted] has stated that he returned the product he ordered and he believes he should not owe anything due to the return.

Our records indicate an order was placed on November 3, 2015 for two compression knee wraps for $43.98 and $45.98 ($35.99 each, $7.99 and $9.99 shipping and handling) and one compression back wrap for $62.98 ($49.99, shipping and handling of $12.99), totaling $152.94. Due to our progressive shipping procedure, the first item is charged $12.99 for shipping and handling, then it is lowered for the additional two items. On November 27, 2015 a return was processed for these three items, and partially credited for $107.02. Our return policy states that shipping and handling charges are nonrefundable. There was no reason selected on the return label for these items sent back to us. For Mr. [redacted]’s reference, our return policy is as follows:

We will exchange your product or give you a refund for most items returned in new condition within 30 days after date of purchase. Sorry, but returns will not be accepted for credit after 90 days. If you have any problems with a product, please check the manufacturer's warranty.  Fingerhut provides a convenient prepaid return label service for most products. You can visit our Returns Center in the My Account area of the website to print a new return label at Fingerhut.com or contact Customer Service.  Pre-paid return labels are not available for truck-ship items, oversized items, or Fingerhut FreshStart accounts. Contact Customer Service for help with your return. There is no upfront fee when using the return label. There is no fee for using the return label if you received a damaged or defective product or in the case of a shipping error. The final determination of product condition is subject to our inspection. Return fees not covered by Fingerhut will be deducted from your credit based on the weight of the package. The original Shipping and Handling is nonrefundable if your item is not damaged or defective or in the case of a shipping error. 

In addition to the shipping and handling charges totaling $30.97, the account has accrued late fees each month in which we did not receive a payment of at least the minimum monthly due amount. Late fees on Mr. [redacted]’s account include a fee of $7.99 applied to the account on March 27, 2016 and a fee of $15.98 applied on April 27, 2016. Mr. [redacted]’s account is a revolving account and as such, monthly interest charges are applied when there is a balance carried on the account. The account has SafeLine account protection, which also includes a monthly fee when there is a balance on the account. SafeLine fees on Mr. [redacted]’s account are as follows:. SafeLine plus fees of $0.55 on December 1, 2015, $0.56 on January 1, 2016, $0.58 on February 1, 2016, $0.;60  on March 1, 2016, $0.72 on April 1, 2016, and $0.93 on May 1, 2016.

At this time, there is a minimum payment of $24.97 due May 27, 2016. Please understand that if we do not receive a payment of at least the minimum amount due by this due date, another late fee will be applied to Mr. [redacted]’s account.

Thank you for allowing us to explain.

Sincerely,



Vi [redacted]
Executive Care Team

I am rejecting this response because:
[redacted]Corresponding documents attached.
I have attached the 06-15-2015 Statement that Fingerhut sent me a copy of but not you. [redacted]Please take notice of previous balance; which already included the $553.98 in the  balance for the mens wedding band that they sent me two sizes too small = $1,563.04. In middle right of page you will see they charged me again for the ring then deducted it. The new balance was, even after my payment $1,524.12. Which we both know is only $38.92 less than beginning balance. It just looks tricky to me the way the statement is set up. I have also attached a letter for Fingerhut disputing them.  That gives an overview of what I've been dealing with and documented calls to them. I also saved all emails.  My Fingerhut Account number is on letter. Here is my www.fingerhut.com information to login to my account. I give permission to the entire Revdex.com to have the account looked at and reviewed.  User Name:  [redacted] , Password: [redacted]#1  They even admitted there were some "glitches" in my account - that's how they said it to me.   Im going to forward more emails with other problems I found with the account. I never received merchandise and was charged or returned merchandise and Fingerhut is denying it. Some of the merchandise was canceled either over the phone while ordering or ordering online. But they still charged me for merchandise anyway. Thank you again so much for your help, [redacted]

Initial Business Response /* (1000, 5, 2014/02/03) */
CONFIDENTIAL COMMUNICATION
February 3, 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 Fingerhut FreshStart Account issued by WebBank.
Mr. [redacted]'s account reflects he placed an order for the Uniden Bearcat 500 Channel Clock Radio Scanner on November 24, 2013. We received this item as a return on January 8, 2014. Credit was issued to Mr. [redacted]'s account for the merchandise. However, the original shipping and handling is non-refundable on return merchandise. Our return policy is listed in the terms of sale in the customers catalog, on their packing slip and under the Help button on our website.
After careful review and consideration, we have made an exception to our usual policies and issued credit on February 3, 2014, for the original shipping and handling on the return of the scanner. We have also credited the interest in relation to this order.
Mr. [redacted]'s account reflects he was sent a refund check on January 31, 2014, in the amount of $15.12. After the credits were issued on February 3, 2014, Mr. [redacted]'s account has a $14.88 credit balance. I have requested a refund check in the amount of $14.88 be sent to Mr. [redacted]. We advise it may take fifteen business days for Mr. [redacted] to receive the refund check.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/mhp

CONFIDENTIAL COMMUNICATION
March 28, 2016
Revdex.com of Minnesota                                   �...⇄ # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] – [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of [redacted].
While we sympathize with Mr. [redacted], we maintain that the information recounted in our previous response was accurate. We understand Mr. [redacted]’s certainty in stating that he was not given NEW’s contact information until very recently. However, we have a copy of the email he sent on January 3, 2015, as well as the response we sent him in reply. Below is that email exchange in its entirety in descending order from January 3, 2015 to Mr. [redacted]’s same email address as the one on his inquiry:
“Outgoing E-mail to   
Subject: Re: [redacted]: Product Questions - I didn't receive my extended service plan 
From: [email protected] 
To: [redacted] 
Cc:   
Bcc:   
Sent on: January 3, 2015 10:03:58 PM EST
Dear [redacted]:
  
We are sorry you are having issues with the Trio Stealth G2 Hype 7" 4GB Android Tablet. Please call NEW (National Extended Warranty) at [redacted] to obtain service. Your warranty contract number is [redacted]. 
  
We recently received a request to return RD647/Trio Stealth G2 Hype 7" 4GB Android Tablet. 
  
While customer satisfaction is very important to all of us at Fingerhut, we do require that returns be made in accordance with our Return Policy, which states:
  
“We will issue an exchange or refund for most items returned in new condition within 30 days of receipt. Returns will not be accepted for credit after 90 days. Other product concerns must be handled under the manufacturer’s warranty. Shipping and handling charges are non-refundable. Returns postage is the responsibility of the customers. Music, movies, video games and software must be returned unopened with the factory seal intact. Exchanges are permitted for identical product only. Computers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators must be returned within 30 day home trial period. Products sold in sets must be returned as sets, partial returns will not be accepted. Personalized/customized and made-to-measure window treatment products may be returned for credit only if they are a damaged or defective. Exchanges are permitted for identical product only. Gift cards cannot be returned. Other restrictions may apply..”
  
Due to the length of time passed since the item was ordered, we are unable to authorize the return. We apologize for any inconvenience this may cause. 
  
Sincerely,
  
Jamail
Fingerhut
  
On 1/3/15 9:47 PM, [redacted] wrote:
> Name: [redacted]
> Email: [redacted]
> Order Number: ORD0063511772
> Cr: [redacted]
> FreshStart Flag: 
> Language Indicator: 
> Message: have been trying to get information on the extended plan we bought with this since we got it now we just want to return the whole thing and the product we have gotten nothing but the run around can we please be sent some return labels So we can return this as well as a confirmation that we will have a full refund of the product and the cost of the plan we bought? Otherwise I will be going to the Revdex.com. This tablet arrived to us cracked and has just gotten worse and worse 
Again, Mr. [redacted] should continue to work directly with NEW regarding any warranty claim issues, and with Jefferson Capital regarding the unpaid balance. Having provided all information available to us, we consider this matter closed.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Tell us why here...

Initial Business Response /* (1000, 5, 2015/07/21) */
CONFIDENTIAL COMMUNICATION
July 21, 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 Mr. [redacted] regarding a WebBank/Fingerhut Account.
Our records indicate Mr. [redacted] placed an order on April 8, 2015 for an Uber TV Stand in Black. The cash price was $276.99 and shipping and handling was $65.99 for a total of $342.98. After the order was placed the agent gave a 10% discount of $27.70 manually as an exception since the promotion code "THANKFUL" had already expired.
The discount was reflected on the monthly billing statement sent to Mr. [redacted] on April 17, 2015. If Mr. [redacted] no longer has his April 17, 2015 billing statement he can locate the statement on our website to verify that the credit has been issued.
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (3000, 7, 2015/07/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The discount code Thankful was accepted prior to checkout and when I tried to process the transaction and it wouldn't process. The reason I initially called and the discount was agree to be given was because it was an error on the part of Fingerhut and they were standing behind it since it shouldn't have even been able to be applied. My whole point is the 10% was to come off the total that you are stating which was $276.99. I was originally told by your representative I spoke with that I would have to wait 2 billing cycles for this process and show up. This is why I called again the 2nd time. If you honestly think that I'm going through all of this for twenty some odd dollars and some change that would be ludacris. If you want to call me a liar or misinformed then so be it. That is your choice. I can assure you I haven't filled out a Revdex.com complaint but two times in my life and this is the second. So I know what I was told by your representatives and what price was reflected in the computer before the transaction processed. The price you are stating was the price before the discount not after. Anyways it's your choice. If you truly feel I'm just trying to get over on your company then just cancel my account. I will pay my balance off as quick as I can and you won't have to deal with customers like me. Good day
Final Business Response /* (1000, 11, 2015/08/03) */
CONFIDENTIAL COMMUNICATION
August 3, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]- [redacted], [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
The discount issued on April 8, 2015 was issued manually because the promotion code had already expired and could not be used at the time of the order being placed in our system. The discount was given on the overall balance on the account in the amount of $27.70. The balance Mr. [redacted] is referencing of $249.29 does not include the shipping and handling charge of $65.99. Therefore, the balance for the order would have been $315.28 if the promotion code could have been applied at the time the order was placed.
The discount was applied on the same date the order was placed but due to the discount being applied manually it appears as an individual line item on Mr. [redacted]'s billing statement. The purchase is listed on the April 17, 2015 billing statement in the amount of $342.98. The discount appears on the same billing statement as a credit adjustment in the amount of $27.70. The purchase amount of $342.98 minus the discount credit of $27.20 is equal to $315.28. The time frame given to Mr. [redacted] is correct and did occur within 1-2 billing cycles on his account.
We apologize for any inconvenience or confusion caused due to the discount being applied manually. The balance is correct on his account. We appreciate Mr. [redacted]'s patience while we were reviewing his account and thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw

CONFIDENTIAL COMMUNICATION...



April 20, 2016

Revdex.com of Minnesota                                   �...⇄ Customer #: [redacted]
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 Ms. [redacted] regarding her WebBank/Fingerhut credit account purchase of an XBOX Console Bundle on February 6, 2016. 

We realize Ms. [redacted] maintains that she never received the XBOX. Due to UPS tracking number [redacted] reflecting that we met our delivery obligations for this item, a missing merchandise claim was initiated for Ms. [redacted], for which we requested a police report due to the significant monetary value involved.

On February 26, 2016, Ms. [redacted] had emailed us the last remaining police report information needed to complete our investigation. Unfortunately, the Metro Nashville Police Department would not confirm the information with our representative, and the representative sent Ms. [redacted] an email reply on the same date stating, “We attempted to contact the Metro Nashville Police Department to verify the contents of your report. We were told that in order to verify the information contained in the report, we would need a physical copy. Please obtain a copy of this report and fax it to us at ###-###-####, or you can mail it to Fingerhut Customer Service, [redacted]., St. Cloud, MN 56303.”

We recently made additional attempts to contact the precinct’s records department as a courtesy, but each time they were unavailable. To date, there is no record that we have yet received a paper copy of the police report from Ms. [redacted]. In order for us to finalize this process and possibly release Ms. [redacted] from payment for the item, we will need to be able to confirm the police report. As it is now in Ms. [redacted]’s best interest, we strongly advise her to fax us a copy of the report to ###-###-#### or as an email attachment to [email protected].

She should allow up to 15 days from the date she sends us the report for this process to be completed and receive notification by mail of the outcome, including any corrective adjustments to her credit files.

Thank you for allowing us to explain.

Sincerely,



Vi [redacted]
Executive Care Team

VF/ah

Initial Business Response /* (1000, 7, 2015/03/03) */
CONFIDENTIAL COMMUNICATION
March 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 we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Unauthorized account registration and activity is a serious matter, and we have certain procedures in place to assist those making this claim. As Ms. [redacted] denies authorizing the account matching her personally identifiable information, we referred this matter to our Credit Risk Department for further review.
They advised of already being aware of the fraudulent activity claim for this account. An affidavit of unordered merchandise was sent on January 26, 2015 to Ms. [redacted]'s address provided on the inquiry. Ms. [redacted] states she received, completed, and returned the affidavit to us. After an exhaustive search of our records, we could not find any evidence of having received it.
To expedite, Ms. [redacted] may fax the affidavit to: [redacted], Attn: [redacted]. In case she sent the original and no longer has a copy to send, another affidavit has been mailed as of the date of this letter.
Additionally, Credit Risk will require a police report to complete their investigation. We appreciate Ms. [redacted]'s past attempt to obtain this, and are aware her precinct would not file one without a number to identify the account. As a remedy, she may provide them with the Cr shown above of '[redacted]'.
This may also be expedited by faxing to the above referenced fax number.

Once Credit Risk receives the affidavit and police report, they will conduct the investigation and notify Ms. [redacted] by mail of the outcome, including any corrective measures/adjustments made to her credit file. Ms. [redacted] should allow up to 15 days from the date she provides us these documents for this process to be completed.
Once this timeframe has passed and the process completed, Ms. [redacted] may continue to correspond with us through your office if she still considers it to be necessary. Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 9, 2015/03/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I sent the Affidavit to Fingerhut on 2/5/15 Attn: Collections Support Division. I also sent copy to [redacted] as per their request on 2/25/15, as they called and informed me that the account was in collections.
I will be making a report with the Pct#75 as soon as possible to follow through.
Final Consumer Response /* (3000, 13, 2015/03/16) */
Final Business Response /* (4000, 15, 2015/03/19) */
CONFIDENTIAL COMMUNICATION
March 18, 2015
# XXXXXXXXXX
Revdex.com of Minnesota
Attn: [redacted] S [redacted] XXXXX
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].
The police report now received, Credit Risk has finished the investigation and the account has been marked as fraud.
The account had been sold to a third party collection agency at an earlier date, so it will be purchased back from [redacted].
There remains no further payment obligation on the debt, and the trade-line will be removed from the credit bureaus once we are in possession of the account. Ms. [redacted] should allow 60-90 days for the update to reflect on her credit files.
Sincerely,
[redacted]
VF/ah

Initial Business Response /* (1000, 7, 2015/02/03) */
CONFIDENTIAL COMMUNICATION
February 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 we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut FreshStart Credit Account.
Per the terms and conditions of the FreshStart credit program, a customer's order does not ship and is not billed until a $30 down payment has been successfully applied towards it. Ms. [redacted]'s account reflects a first order being placed on December 17, 2014; we received her down payment a few days later on December 19, 2014.
In addition to the down payment, we validate new accounts by telephone for the security of our customers. Because we could not reach Ms. [redacted] at the only phone number listed for her account at the time, it was flagged as requiring further validation and the order was cancelled by our system. A letter was sent on December 20, 2014 to Ms. [redacted]'s address on file requesting that she provide us with a good phone number where she could be contacted.
Her account is noted that she next contacted us by telephone on December 26, 2014 and provided a good number as requested. The phone agent submitted a new order on the same date; regrettably, it appears also to have been cancelled by our system, but in this case the exact reason remains under review. Her account is noted she first requested a refund of her $30 down payment when she telephoned us on January 5, 2015.
Our records further indicate we mailed the refund check on January 16, 2015 to Ms. [redacted]'s address on file of [redacted] Dayton, OH 45431. If it has not already arrived, she should allow a few more days to receive it.
Additionally, Ms. [redacted] will be notified by regular mail regarding her eligibility for the FreshStart credit program going forward.
Thank you for allowing us to assist and explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah

Initial Business Response /* (1000, 7, 2014/11/07) */
CONFIDENTIAL COMMUNICATION
November 6, 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 laptop purchased on his WebBank/Fingerhut Advantage Credit Account.
I apologize for the difficulties and confusion that Mr. [redacted] has experienced in this process. Our return policy indicates that "Computers, camcorders, digital cameras, electronic game systems, air conditioners, Holiday decorations, heaters and generators must be returned within the 30-day home trial period." Computers must be returned within the 30-day home trial period.
On August 15, 2014, we received the return of the Toshiba Satellite 15.6" 4GB Windows 8.1 Laptop. On July 29, 2014 our customer service representative correctly advised Mr. [redacted] that he would need to go through the manufacturer for the warranty procedures. He called us again on July 30, 2014 and the laptop return was erroneously incorrectly authorized by our agent at that time, despite the prior notes on the account.
As we did authorized the return for Mr. [redacted], I have issued credit to the account for the order in the amount of $509.93, $74.00 in late fees, $58.18 in interest charges, and $40.88 in Safeline Fees. The remaining balance on the account is $0.00.
Additionally, I have had our reporting to the major credit bureaus updated so that it will reflect that the account was not reported delinquent during this timeframe. Please advise Mr. [redacted] that this may take up to 60 days to be reflected on his credit reports.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw

Initial Business Response /* (1000, 5, 2015/07/16) */
CONFIDENTIAL COMMUNICATION
July 15, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am...

writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
We sincerely apologize for any difficulty Mr. [redacted] experienced as a result of the issue outlined in the inquiry. Our records confirm that Mr. [redacted] purchased a Sunbeam 2-Slice Toaster and an Alcove Fast Dry 10-Piece Bath Towel Set on June 30, 2015.
Mr. [redacted] telephoned on July 7, 2015 first notifying that the toaster was not inside the package with the towels as it should have been. He also stated that the towels he received were not the ones he ordered. As a remedy, the phone agent submitted a replacement order at no additional cost. Regrettably, the shipping address that was on Mr. [redacted]'s account at that time was still set to [redacted] Watauga, TX 76148, where it was delivered on July 13, 2015.
On July 15, 2015 a customer service agent telephoned Mr. [redacted] regarding this situation. The agent explained that the shipping address had been updated to the Watauga, TX address when an order was placed on the Fingerhut website on December 14, 2014. With Mr. [redacted]'s authorization, the agent updated his account and assured that both the billing and shipping were now both [redacted] North Richland Hills, TX 76180. Due to the oversight by the agent who processed the replacement order not verifying the shipping address before placing it, the agent offered and apology and advised he was sending Mr. [redacted] a $50 discount coupon. Mr. [redacted] advised that he knew the person(s) at the Watauga, TX address and should be able to pick up the package from them.
We appreciate Mr. [redacted]'s patience and understanding in this matter, and again apologize. He should allow up to 15 days from the above date for the discount coupon to arrive. Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2015/07/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was promised a replacement of the items shipped. It is not my fault that they sent items to wrong address.
Soneone from Corporate offices called me on July 15 and sent another order [redacted]. I never received that order as promised. All I received was a piece of paper with a promo code for a discount on my next order. I am sorry to saY , THERE WILL NOT BE A NEXT ORDER And would like to close my account. Thank you. I also want a full credit for my last order to be applied to my account
Mr. [redacted]
Final Business Response /* (4000, 9, 2015/07/27) */
CONFIDENTIAL COMMUNICATION
July 27, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted].
Recently on July 24, 2015, Mr. [redacted] spoke with a supervisor by phone. Based on the additional information Mr. [redacted] provided, the supervisor made an exception to our standard policy and issued an account credit for the full cost of the toaster and towel set including shipping/handling.
Although already applied to the account, these credits will reflect on a future monthly billing statement for Mr. [redacted]'s records.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah

Initial Business Response /* (1000, 5, 2015/06/25) */
CONFIDENTIAL COMMUNICATION
July 24, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am...

writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. The order Mr. [redacted] references in the inquiry was placed on June 3, 2014 and consisted of a Power Glide 10-inch Sliding Compound Miter Saw, a Rockwell 10-inch Table Saw with Stand, and a Pro-Series 24-piece Router Bit Set.
His report of having received unacceptable service from the phone agent that he placed it with is regrettable, and we are pursuing this matter. It is vital that agents avoid any instance in which a customer could be made to feel they are not being listened to or even mistreated.
Mr. [redacted] states he received a payment reminder call from a billing/recovery agent when no payment was received by his first due date, which our records confirm. He stated he was withholding payment as a deferred payment offer, advertised on his catalog, should have been applied to the order but was not. The agent advised Mr. [redacted] to contact customer service as they were equipped and authorized to handle applying a deferred offer to an order.
Unfortunately, we did not find any evidence of Mr. [redacted] ever notifying customer service regarding the deferred payment issue. Likewise, we did not find that a formal billing dispute was ever submitted to us about this matter. It was required in order for us to adjust or suspend Mr. [redacted]'s payment obligation while we investigated it.
The process of submitting a formal billing dispute is disclosed on the back of each monthly statement. It is the section titled "What to do if you think you find a mistake on your statement," and states, in part:
"If you think there is an error on your statement, write us at: Fingerhut Credit Account Services, [redacted], Saint Cloud, MN 56395-1250. In your letter, give us the following information:
Account Information: Your name and Fingerhut Credit Account Number
Dollar Amount: The dollar amount of the suspected error
Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it's a mistake"
You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question."
Despite the continued payment reminder calls to Mr. [redacted], he continued to withhold payment. When no payment was received for six-plus consecutive months, the account charged off on January 8, 2015. It was then sold to Jefferson Capital, a debt-buyer, on January 29, 2015 and in accordance with the terms and conditions of his credit account Agreement.
Mr. [redacted] should contact and continue to work with Jefferson Capital regarding the unpaid debt; the account is no longer in our possession and has not been within our rights to service since being sold.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah

Initial Business Response /* (1000, 5, 2014/07/07) */
CONFIDENTIAL COMMUNICATION
July 7, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am writing...

in response to the inquiry we received from your office on behalf of Mr. [redacted], regarding a WebBank/Fingerhut Advantage Credit Account.
We sincerely apologize for any difficulty Mr. [redacted] may have encountered while dealing with our company and/or his Fingerhut Account. We appreciate Mr. [redacted] bringing this matter to our attention.
Our records support that Mr. [redacted] contacted us in late October, 2013. His account reflects he contacted us three days before his payment due date to advise his payment might be a few days late. However, there is no indication of Mr. [redacted]'s request to change his monthly due date in association with that logged interaction. We also have no record of being in contact with Mr. [redacted] during the timespan when he claimed to have asked for a due date change. If he did communicate this request with one of our agents and it was not put into effect at that time, we again apologize.
As required by law, we provide our credit-account customers with a monthly billing statement, disclosing all pertinent, detailed, and required information for that month's account activity. Printed on each and every statement is the monthly due date, and Mr. [redacted] would have seen whether any change to his due date had occurred or not. In his inquiry he states he has "not received a paper bill since September 2013." Our records show his monthly statement delivery method has always been designated as a mailed paper statement. His statement for September, 2013 would have been mailed to: [redacted] Malden, MO 63863. In late September, his account shows he changed his address to: [redacted] Poplar Bluff, MO 63901. It is this address that we mailed his statements from October, 2013 until April, 2014, when he again made an address change.
It is only in his inquiry to you about these issues that we were first made aware of his not receiving monthly statements. His account reflects Mr. [redacted] made no previous notification to us about his statement problem. If in fact Mr. [redacted] did not notify us, he may well have assumed his due date to be something other than what it actually was. Unfortunately, we cannot claim responsibility for any assumptions Mr. [redacted] may have made.
As a courtesy to Mr. [redacted], we credited his account on May 27, 2014 for the two most recent late fees applied to his account. Each credit was for $35.00, and Mr. [redacted] will see these credits reflected on a billing statement within the next two billing cycles. As a reassurance, his monthly due date has been changed and will now be due on the third of each month.
Mr. [redacted] also expressed concern regarding his order dated September 25, 2013, consisting of a Media Storage Tower Elite. As the shipment tracking information shows and Mr. [redacted] acknowledges, he received the entirety of this order. At some point after receiving the item, Mr. [redacted] changed residences, and advised he is now attempting to recover it from former roommates still living at his previous residence. This is entirely a civil matter between Mr. [redacted] and his former roommates. Because we fully met our obligations of delivery for this order, we are unable to offer a replacement or compensation of any kind.
It is absolutely vital that customers consistently be given clear and accurate information, so Mr. [redacted]'s assertion of being told we could replace the Media Storage Tower is highly unfortunate. This does not deviate from the fact that he received merchandise and remains responsible for the outstanding debt, and this debt is still subject to the credit account's Terms and Conditions to which he agreed.
Again, thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2014/07/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I contacted Finger Hut mid October about my payment due date being changed, The agent I spoke to said that he could change my due date that day and was never done. As far as my billing address, My old address was [redacted] Malden, Mo, but in November of 2013, I moved on[redacted] in dexter, Mo and I did call the day that I found out that I was going to move to change my address. The address was never updated, even tho I cant remember the full address. Then I moved again in Septmeber to[redacted], Poplar Bluff, Mo. Again, I called the day before I moved to inform them of the move. Yes I moved again to 903 specialty dr, apt 5 dexter, mo which is my current address. I have never received a monthly bill and I have made several phone calls since back in October of 2013 to currently about this matter.
The media storage tower elite was left and when I talked to the Poplar Bluff police department and a lawyer from Poplar Bluff, they advise me to talk to Finger Hut to see if there is anything that they could do. The first agent I talked to said that the company would be able to do a replacement, but we would have to fill out some paper work over the phone. However, I was unable to take the time to fill out the paper work due to starting a new job. I called back after I got off work, that was when I was told that a replacement couldnt be given.
Finger Hut, has repeatly told me that they could do something and then change their story later. I feel that if a company holds you to a agreement, that they should keep their end of the agreement. As far as their records they say, this tells me that not all of my calls have been recorded.
Thank you,
[redacted]

CONFIDENTIAL COMMUNICATION
March 17, 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 that he closed his WeBank/Fingerhut in August 2015, but is still being charged interest. Mr. [redacted] requests that his account be closed so that no further fees accrue. Additionally, he disputes the debt owed and asks that it be credited.
According to our records, an application for credit was processed online May 30, 2014. The name and address on the application is the same one provided when contacting us regarding this issue.
The first order was placed on June 9, 2014 for a Skechers Men's Brice - Oden Low Boot. The merchandise was shipped by UPS to the address provided on the application.
According to our records, Mr. [redacted] purchased $1,775.39 in merchandise between May 25, 2015 and June 28, 2015. Three of the orders were purchased with deferred billing. When the deferred billing on the purchases expired, the minimum due increased from $29.99 a month to 5% of the balance which was reflected on Mr. [redacted]'s monthly statements.
Based on Mr. [redacted]'s previous request, his account was closed on August 21, 2015. Any outstanding balance will continue to accrue interest and Mr. [redacted] may be assessed late fees and his account is still subject to the original terms and conditions of the agreement.
According to our records, monthly payments were received and processed on time until September 2015. No payments were recevied in September, October or November 2015.
When a payment is not received by the due date, the minimum monthly payment amount 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.
On November 23, 2015 Mr. [redacted] agreed to a nine month reduced payment plan for $65.00 a month starting on December 2, 2015 with reduced interest (14.9%) and no late fees.
According to our records, Mr. [redacted] made three payments for $65.00 on December 2, 2015, January 3, 2016 and February 2, 2016. The balance on the account went from $2,609.63 on November 22, 2015 to $2,508.88 as of March 17, 2016.
No payment was received for March 2, 2016 as the scheduled payment was declined by Mr. [redacted]'s bank. The remaining scheduled payments were disabled.
Mr. [redacted] may contact our Billing Department at [redacted] to reschedule the remaining payments for the payment plan. Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time.
An account review on March 16, 2016, confirmed that Equifax, Experian and Trans Union are reporting Mr. [redacted]'s account accurately as "closed at customer's request" and "Paying under a Partial Payment agreement." The delinquencies for October, November and December 2015 and January and February 2016 are accurate.
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.
Per Mr. [redacted]'s request, we have revoked consent to call on the phone numbers currently associated with his account ([redacted]). If Mr. [redacted] would like to cease all further communication regarding his account, he may request that a Cease and Desist be placed on his account.
If Mr. [redacted] wishes to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted], St. Cloud, MN, 56303. Mr. [redacted] may also contact our Billing Department at [redacted].
Please note, if a cease and desist status is placed on Mr. [redacted]'s account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desist. A monthly statement will continue to be mailed.
Instructions for filing a formal billing dispute are on the back of Mr. [redacted]'s monthly billing statement.
Thank you for the opportunity to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg

Initial Business Response /* (1000, 5, 2014/08/18) */
CONFIDENTIAL COMMUNICATION
August 18, 2014
# XXXXXXXXXX
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear [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.
We sincerely apologize for any unacceptable service that Mr. [redacted] may have encountered while speaking with our phone agents. As a reassurance, we are pursuing his claim of poor service and being hung up on - it is vital our agents adhere to our quality standards with each and every customer interaction.
To clarify to Mr. [redacted], he has met the requirements to "graduate" from the Fingerhut FreshStart program. His transition from a FreshStart Account to his newly created Advantage Account jus occurred on August 10, 2014. The initial credit limit increase that results with the new account is pre-determined based on whichever limit the customer first qualified for when approved for the FreshStart program. In the case of Mr. [redacted], his FreshStart credit limit was $230, which means our system will automatically issue him a starting limit of $250 upon successfully graduating FreshStart.
We again apologize if Mr. [redacted] was given misinformation that he would be given a $350 credit limit upon graduation. The correct amount he has been issued is $250. However, once he utilizes his credit line and ensures that no payments are late or missed, it will likely be a few months before our system issues him another credit line increase.
Our customers are important to us, and we strive to assist and satisfy them. We trust by the measures we have taken as well as this explanation that we have done so with Mr. [redacted].
Thank you for allowing us to explain.
Sincerely,
[redacted]
[redacted]
VF/ah

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]
Dear Ms. [redacted],
I am...

writing in response to the inquiry that we received from your office on behalf of [redacted] regarding his reversed payment on his WebBank/Fingerhut Advantage Credit Account.
We apologize for the inconvenience. According to our records, the payment was reversed due to an invalid account or routing number. The last 4 digits of the checking account that was attempted to be used was [redacted]2703. This payment information was first used on October 31, 2014 for a payment on our website. Since that time, the payment method has been marked as deactivated in our systems as of December 3, 2014.
Although the error was due to incorrect information entered by the customer, a returned check fee should not have been charged for this reversal. We apologize for the inconvenience. As an exception, and as a gesture of goodwill, on January 16, 2015 I have issued credit for interest in the amount of $12.26, a late fee in the amount of $37.00, SafeLine Plus fees totaling $7.99, and the reversed payment fee in the amount of $20.99. These are the charges that have accrued on the account since November 1, 2014 until present. As this resulted in an overpayment on the account, on January 19, 2015, I have requested a refund be sent to Mr. [redacted] in the amount of $78.24. This should arrive in the form of a check at [redacted], Reno, NV 89523 within 10 days of January 19, 2014.
Please understand that if we were to delete the negative history from Mr. [redacted]'s credit report, we would be knowingly reporting inaccurate information to credit reporting agencies, which is a violation of the Fair Credit Reporting Act.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw
Initial Consumer Rebuttal /* (3000, 8, 2015/01/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When I make the payment online from my iPad I go to fingerhut.com/sign in/my account and hit make a payment and it gives me the option of Minimum payment/ last statement / or current so I hit minimum payment and it gives me the option to pay from Visa depit or checking/savings accounts that I always pay from, so it's impossible for me to mess up the info payment when it's kept in their system and all I have to do is hit the account and hit continue to pay the bill. All I'm asking for is for the negative credit to be fixed and glad I might get some money back that was charged to me that should have not been. Please just fix the late payment please! I wanna buy a house and need all my points on my report.
Final Business Response /* (4000, 13, 2015/02/04) */
CONFIDENTIAL COMMUNICATION
February 3, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]
Dear Ms. [redacted],
I am writing in response to the additional inquiry that we received from your office on behalf of [redacted] regarding his reversed payment on his WebBank/Fingerhut Advantage Credit Account.
Unfortunately, the payment was not rejected by us. It was rejected by the bank at the routing number with which the payment was processed. We apologize for the inconvenience, but are unable to assist in this matter.
As previously stated, if we were to delete the negative history from Mr. [redacted]'s credit report, we would be knowingly reporting inaccurate information to credit reporting agencies, which is a violation of the Fair Credit Reporting Act.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw

CONFIDENTIAL COMMUNICATION
 
Roman" size="3"> May 16, 2016                                      ...⇄
 
Revdex.com of Minnesota                                   �...⇄                                     # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
 
Re: Case # [redacted] – [redacted]
 
Dear Ms. [redacted],
 
I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
 
Mr. [redacted] states he purchased a Dell computer from Fingerhut. He states the computer is not working properly and neither Dell nor Fingerhut would help with this issue.
 
Our records indicate Mr. [redacted] purchased a Dell Inspiron 15.6" HD 4GB Windows 8.1 Laptop Computer on August 16, 2015. Mr. [redacted] contacted Fingerhut on January 25, 2016 stating his computer was not working properly. At this time Mr. [redacted] was correctly advised he would need to contact the products manufacturer as we require returns to be made in accordance with Fingerhut’s 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.”
 
Due to the length of time that has passed since Mr. [redacted]’s purchase, any requests to repair or replace the device should be referred and handled by the product’s manufacturer. For all concerns with this item, Mr. [redacted] should contact Dell at ###-###-#### Monday through Friday 8AM-9PM.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
 
Vi [redacted]
Executive Care Team

CONFIDENTIAL COMMUNICATION
 
August 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 additional inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account.
 
Ms. [redacted] states she does not agree with her previous balance of $2,994.59 and believes it should be lower if she received credit for two late fees. Ms. [redacted] also states that she will continue to make payments of $152.00 on the third of each month per the arrangements she made with an agent on June 20, 2016. Ms. [redacted]’s desired resolution is for her account to be current by October 2016 and to resume her regular minimum monthly payments.
 
As of August 4, 2016, the balance on Ms. [redacted]’s account is $2,843.57. Two late fees of $27.00 and $37.00 were credited to Ms. [redacted]’s account on July 18, 2016 and July 27, 2016, respectively. $62.84 in interest fees were charged to Ms. [redacted]’s account when it cycled on July 22, 2016. A payment for $151.02 was received on August 3, 2016. Please refer to the enclosed account activity statement.
 
As stated in our previous response, we returned Ms. [redacted]’s account back to a current status. On July 27, 2016, the minimum payment on Ms. [redacted]’s account was reduced from $302.12 to $0.00.  As her account is now current, Ms. [redacted] should pay according to her monthly statement when making her payment for September 2016.
 
If we can be of further assistance, please contact the Executive Care Team at ###-###-#### Monday through Friday 8am to 4:30pm Central Standard Time.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
 
 
Kari [redacted]
Executive Care Team
KD/lg
 
Enclosure

[redacted]
CONFIDENTIAL COMMUNICATION

April 11, 2016


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

  
Re: Mr. [redacted]
Case #: [redacted]

Dear Ms. [redacted],

We are writing in response to a second inquiry received from your office on behalf Mr. [redacted] regarding a WebBank/Fingerhut credit account. Enclosed are a statement of account activity, credit application and Terms and Conditions.

Mr. [redacted] states that he was unaware about a Fingerhut account until he saw the WebBank/Fingerhut trade line on his credit report. Mr. [redacted] further states that there is inaccurate information being reported to the credit bureaus. Mr. [redacted]’s desired resolution is to have the WebBank/Fingerhut trade line deleted from his credit report.

As stated our initial response, an application was processed online June 17, 2006 with Mr. [redacted]’ name, address and social security number. An order was placed online September 8, 2010 for a Save 32% Avirex Men's Rattler Jean, Denim, 38W 34L, a Save 30% Ecko Unltd Standout Jean Denim, 38, a Save 31% Ecko Unltd Mn EU Short Denim, 36, and a Save 30% Ecko Unltd Standout Jean Black Denim, 38. The merchandise was shipped September 9, 2010 via FedEx to [redacted] Wheatland, IN 47597.

No payments were made on this account. The unpaid balance of $187.81 charged off on April 17, 2011 and the account was sold to Jefferson Capital Systems on August 2, 2012. Fingerhut is no longer collecting on this account. 

An account review on March 17, 2016 confirmed that Experian and Trans Union are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance of zero. Nothing is reporting to Experian, as Fingerhut did not begin reporting to Experian until October 2013.
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]’ 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 at ###-###-####.

As Mr. [redacted] continues to allege he has no knowledge of this account, we referred this matter to our Credit Risk Department for further review.

As a result of their investigation, a police report is required in order to contact a full fraud investigation. To date, we have not received a completed police report regarding this matter.

Mr. [redacted] may send the police report 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.

If Mr. [redacted] has further questions or concerns, 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/sjj

Enclosures

Initial Business Response /* (1000, 11, 2014/08/28) */
CONFIDENTIAL COMMUNICATION
August 28, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I...

am writing in response to the inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
The inquiry is in regards to her order dated June 10, 2014 for a Samsung Galaxy Tab 3 8GB 7-inch Kids' Tablet. Ms. [redacted] promptly notified us that she did not receive this item despite the shipment tracking information reflecting a "delivered" status.
We appreciate Ms. [redacted] returning to us the completed, signed, and dated affidavit that we sent her to open an investigation of her claim. This investigation has been completed and her claim approved. Ms. [redacted] received a credit of $303.98 on August 12, 2014 covering the full cost of the order, including shipping/handling. She will see this credit reflected on a future monthly billing statement.
Our customers are important to us and we strive to assist and satisfy them. We trust with this explanation and credit that we have done so with Ms. [redacted].
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 13, 2014/08/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Thus company charged me a late fee do to not paying the monthly balance because they took so long to credit my account for this item. I spoke to Customer Service who said it would be removed but it has not been as of yet. I log into my account today to see that there is also an additional $106 dollars and not sure how this could be. The balance went from $81 due September 5 2014 to $188 due September 5 2014. This company is a scam and needs to correct my account. This company is nothing but problems. They do not document my account every time I call in like they suppose to do. Supervisors/managers never return calls and I am always getting hung up on when I request to speak to someone who could better assist me.
Final Business Response /* (4000, 15, 2014/09/08) */
CONFIDENTIAL COMMUNICATION
September 5, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
We sincerely apologize for any unacceptable service Ms. [redacted] has experienced while dealing with our company - it is vital that agents adhere to our quality standards with each and every customer interaction. We further regret if this resulted in a lack of trust or the feeling of possibly being "scammed" on the part of Ms. [redacted]. However, we are proud of our established track record as a trusted, reputable and leading brand in the direct-to-consumer, catalog- and web-based retail market.
As a reassurance to Ms. [redacted], the one late fee she received during the time her missing merchandise claim was pending was already credited on August 13, 2014. She will see this credit reflected on her next month's billing statement.
Ms. [redacted] states, "The balance went from $81 due September 5, 2014 to $188 due September 5, 2014." Please allow us to explain that her total account balance is $182.36, and her minimum payment due on September 5, 2014 is $81.98.
Our records show that on August 13, 2014 Ms. [redacted] made a $45.00 payment on the Fingerhut website from her bank account ending '[redacted]'. Unfortunately, that payment was rejected and reversed with the reason given as "account invalid." For this reason, Ms. [redacted] is still liable to make a $81.98 payment in order to bring her account current ($46.99 past due for August 5, 2014 plus $34.99 presently due on September 5, 2014 amounting to $81.98).
If she has not done so already, we advise Ms. [redacted] to contact her bank to fully verify the information she has regarding her account ending '[redacted]' is correct.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah

Very bad company, they make "mistakes" like double charging you and trying to get you to pay both charges. Don't do it, they won't credit you for both and seem to think they are going to keep the extra. At this point we're looking at a lawsuit to get back the money they stole from us, in addition to various Fair Credit Reporting Act violations they have committed. This is a great company to get scammed by, but nothing good seems to come from them. This is NOT the fingerhut of the past, but a scammy substitute.