Bluestem Brands, Inc.

CONFIDENTIAL COMMUNICATION


size="3"> April 22, 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.

Our records indicate Mr. [redacted] purchased an alcove Jacqueline Comforter Set + Free Sheet Set – Queen on March 18, 2016. On March 20, 2016 Mr. [redacted] requested to cancel this order. At that time the item had already shipped, however Mr. [redacted] was told he could return the unopened shipment and the order would be handled as a return.

On March 28, 2016 Mr. [redacted] contacted Fingerhut stating he had refused the delivery and the item was being returned.

When Mr. [redacted] contacted Fingerhut on April 13, 2016, we still had not received the item as a return and a legal affidavit was sent to Mr. [redacted]. Mr. [redacted] was able to provide the USPS tracking number for this item and his account was credited the full amount of $95.23 on April 15, 2016.

The current balance on his account is $0.

We apologize for any inconvenience this may have caused Mr. [redacted]. Thank you for allowing us to explain.

Sincerely,



Vi [redacted]
Executive Care Team

VF/KS  [redacted]

Initial Business Response /* (1000, 7, 2015/02/25) */
CONFIDENTIAL COMMUNICATION
February 25, 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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate Ms. [redacted] spoke to both our Customer Service and Credit Risk Departments on February 9, 2015. At that time, she advised us she did not apply for an account with Fingerhut. We have also updated the information being reported to the Credit Bureau. Please understand, the time frame for the update to be made at the Credit Bureau may take 30-60 days.
Thank you for allowing us to explain and assist.
Sincerely,
[redacted]
Executive Care Team
VF/bw

CONFIDENTIAL COMMUNICATION

"Arial",sans-serif; font-size: 10pt;">December 6, 2016                                      ...⇄ # [redacted]
 
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
 
Re: Case # [redacted]– [redacted], [redacted]
 
Dear Ms. [redacted],
 
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a PayCheck Direct Account.
 
Ms. [redacted] states she only received one of the items she ordered from Paycheck Direct. The other item was cancelled due to the item being out of stock. She states she was told to continue payments on her account for the one item. Ms. [redacted]’s desired resolution is to have the contact voided and be refunded for the shipping to return the item she received.
 
Our records indicate Ms. [redacted] purchased a T-fal Signature 12-Pc. Nonstick Cookware Set and a Sony PlayStation 4 500GB Console Bundle with Call of Duty: Blacks Op III, Battleborn PS4 & Turtle Be on November 10, 2016. On November 18, 2016 the PS4 was cancelled due to being out of stock. The T-Fal Cookware Set was delivered to Ms. [redacted] on November 22, 2016.
 
Ms. [redacted]’s account was only charged $130.66 for the purchase of the cookware set. She has been set up on a biweekly payment amount of $30.99.
 
Ms. [redacted] contacted Paycheck Direct on November 29, 2016 stating she would be returning the cookware set. Once we receive this item back we will credit Ms. [redacted]s account for the full merchandise price, but as our return policy states, “the original shipping/handling is nonrefundable on return merchandise if the item is not damaged, defective, or in the case of a shipping error.” If the merchandise is not found to be defective Ms. [redacted] will be responsible for the shipping/handling of the item.
 
If Ms. [redacted] has any further questions she may contact PayCheck Direct at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time.
 
Sincerely,
 
 
Vi [redacted]
Executive Care Team
 
VF/ks

I was only 2 weeks late on a payment after being with this company for over 7 yrs paying on time and I get a call from the billing dept at 11:30 pm on a week night. I told the woman calling it was too late and try to call at normal hours and she actually said to me "I can call you anytime I like" So very unprofessional and rude. Not happy at all with the practice of this company. I'll never order from them again.

Initial Business Response /* (1000, 20, 2014/09/23) */
CONFIDENTIAL COMMUNICATION
September 23, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]- [redacted]
Dear Ms. [redacted],
I...

am writing in response to the inquiry that we received from your office on behalf of [redacted] regarding the overdraft fees on her bank account.
As this payment was scheduled on the website by Ms. [redacted] and as the payment was processed via an electronic check, we would not normally be capable of issuing a check for the NSF fees encountered by Ms. [redacted]. Per our normal policy, we would request the customer file an unauthorized transaction through their bank.
However, we requested the recording of Ms. [redacted]'s conversation with our agent. Our agent erroneously promised a credit for the NSF fees on her bank account. As such, we have issued a credit in the amount of $74.00 to her account on September 23, 2014. I sincerely apologize for the difficulties she experienced with our customer service.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw
Initial Consumer Rebuttal /* (3000, 22, 2014/10/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I never got a refund......ever. I do not accept this answer since nothing was done.8
Final Business Response /* (4000, 24, 2014/10/09) */
CONFIDENTIAL COMMUNICATION
September 23, 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 overdraft fees on her bank account.
I apologize for the miscommunication in our prior letter. The $74.00 refund was issued to Ms. [redacted]'s WebBank/Fingerhut Advantage Credit Account on September 23, 2014. This credit will be visible on the next statement print on October 19, 2014.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw

Initial Business Response /* (1000, 5, 2015/12/22) */
CONFIDENTIAL COMMUNICATION
December 22, 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.
On November 28, 2015 on order was placed for a NuWave Precision Induction Cooktop w/Pan with a 1 Year Service Plan. This item was shipped via UPS Ground with tracking number [redacted] and was delivered on December 4, 2015.
When a customer states they have not received merchandise ordered, Fingerhut has policies and procedure in place in order to conduct an investigation. Our records indicate a legal affidavit has been sent to Ms. [redacted] on December 9, 2015.
As we understand the urgency of this situation, Ms. [redacted] may fax the completed affidavit to [redacted], Attn: Kristina. Once we have received this document we can further investigate this matter.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 7, 2016/01/05) */

CONFIDENTIAL COMMUNICATION

0in 0pt; text-align: left;" align="left">
May 20, 2016


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 a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and the last three statements.

Ms. [redacted] states in her complaint that, even though she made a settlement payment of $756.00 on April 8, 2016 which was the full amount of what the collection agency offered her, she is still receiving collection calls. Ms. [redacted] further states that this account is negatively affecting her credit score and causing stress. Ms. [redacted]’s desired resolution is to remove the account from her credit report.  Ms. [redacted] further stated that the collection agency be contacted so they can close her account.

The WebBank/Fingerhut credit account ending in 7802 was opened on September 12, 2014 when an application for credit was processed online.

The first order was placed on September 27, 2014 for a Magnavox 24" 720p LED TV. The merchandise was shipped by UPS Ground to the address provided on the application.

Two payments were received on this account. The last payment of $23.99 was received online November 27, 2014 with a checking account ending in 1187. The unpaid balance of $1,163.10 charged off on June 29, 2015 and the account was sold to Jefferson Capital on August 4, 2015.

An account review on May 20, 2016 confirmed that the credit bureaus are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance and past due of zero.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Ms. [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.

As a courtesy, Ms. [redacted] concerns have been forwarded to Jefferson Capital Systems. Jefferson Capital can be reached directly at ###-###-####.

Thank you for allowing us to explain.

Sincerely,




Kari [redacted]
Executive Care Team
KD/sjj

Enclosures
[redacted]

I would not advise anyone to do business with fingerhut. They are a bad outfit. They don't give you your refunds when they owe you one. And they lie to you all the time also. Bad outfit.

CONFIDENTIAL COMMUNICATION

0in 0pt; text-align: left;" align="left"> 
July 5, 2016
 
 
 
Revdex.com of Minnesota                                           ...⇄             #[redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN  55337
 
 
Re:                  [redacted]
Case #:            [redacted]
 
Dear Ms. [redacted],
 
We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, credit application, Terms and Conditions, last three statements, and a collections letter dated December 16, 2014.
 
Mr. [redacted] states that he had made a large payment in November 2014 to bring his account current.  Mr. [redacted] further states that when he called a month later to pay the remaining balance, he was told that the Fingerhut account had charged off and been sold to a third party collections agency. Mr. [redacted] is requesting that Fingerhut delete the trade line and remove any associated late fees and interest.
 
Based on our research, the Fingerhut credit account ending in [redacted] was opened online December 4, 2013 with Mr. [redacted]‘s personal identifiable information. An order was placed over the phone on December 5, 2013 for a Cuisinart/Keurig K-Cup Brewing System Silver and a Beats Pill Bluetooth Speaker with Mic in White. The merchandise were delivered via Fed-Ex Home to the address provided on the credit application.
 
Our records indicate, on November 1, 2014, a payment of $222.00 was received over the phone using checking account ending in [redacted] which brought the account current.  On November 7, 2014, the payment of $222.00 was reversed by Mr. [redacted]’s bank due to an incorrect bank account number. Mr. [redacted]‘s account reverted back into a delinquent status.
 
Please note that Mr. [redacted]‘s account is a revolving account which means there is a required minimum amount due each month. 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.
 
Mr. [redacted]’s statement dated December 5, 2014 showed that the $222.00 payment had reversed on November 7, 2014 due to an invalid bank account number. Mr. [redacted] also received a collections letter dated December 16, 2014 that stated his account was severely delinquent and in danger of charging off. Mr. [redacted] received collection calls beginning November 10, 2014 through January 2, 2015 when the account charged off with a balance of $697.19. Mr. [redacted]’s account was sold to [redacted] on January 29, 2015.
 
An account review on June 30, 2016 confirms Equifax, Experian, and TransUnion are accurately reporting the account as Purchased by Another Lender or Transferred/Sold with a balance 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 [redacted] may be reporting, he may contact them directly at ###-###-####.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
 
 
Kari [redacted]
Executive Care Team
KD/sjj
 
Enclosures

CONFIDENTIAL COMMUNICATION

0in 0pt; text-align: left;" align="left"> 
November 11, 2016
 
 
Revdex.com of Minnesota                                   �...⇄
Attn: Ms. [redacted]
220 S. River Ridge Circle
Burnsville, MN  55337
 
 
Re: [redacted]
Case #: [redacted]
 
Dear Ms. [redacted],
 
We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut credit account ending in [redacted]. We have included a statement of account activity.
 
Mr. [redacted] states he has advised Fingerhut on several occasions that he can pay $5.00 per month. Mr. [redacted]’s desired resolution is to accept his payment arrangement and waive late fees.
 
We value Mr. [redacted]’s business and although we understand his situation, we cannot honor his proposal as outlined.
 
Our records indicate that the last payment of $5.00 was received on October 16, 2016. On November 10, 2016, Mr. [redacted]’s WebBank/Fingerhut credit account charged off with an unpaid balance of $721.61. Mr. [redacted]’s account is subject to be sold. It is no longer eligible for a settlement or payment plan; the entire balance is due.
 
Mr. [redacted] may contact our Billing Department at ###-###-#### to make a same-day payment. 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.
 
Thank you for allowing us to explain.
 
 
Sincerely,
 
 
 
 
Kari [redacted]
Executive Care Team
KD/sa
 
Enclosure

Initial Business Response /* (1000, 5, 2015/07/16) */
CONFIDENTIAL COMMUNICATION
July 16, 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.
We regret to learn of the problem Ms. [redacted] has experienced with the Captain's Bed with Trundle & Storage Drawers that she purchased on September 26, 2014. A two-year Extended Service Plan (ESP) was also purchased for additional coverage on it. The ESP provider is National Extended Warranty (NEW).
We recently obtained records of the interactions that NEW has had with Ms. [redacted] regarding the bed. They advised that Ms. [redacted] telephoned on July 7, 2015 notifying that the manufacturer warranty provider was unable to assist her. For this reason, NEW opened a claim under Ms. [redacted]'s plan as it is currently in effect and eligible for claims processing. Ms. [redacted] was advised to provide them a photo of the bed to be used in determining the eligibility of her claim.
She next telephoned them on July 15, 2015 as to the status of her claim, and the agent advised that it was still pending and awaiting the photo that was previously requested.
Ms. [redacted] should continue to work with NEW in this matter, as the bed can no longer be returned to us for being beyond the maximum 90-day timeframe of our return policy. We appreciate her patience and ongoing cooperation with NEW.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2015/07/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response simply because if something is sold that is poorly made and it is endangering a child, the company should honor the fact that a replacement is deemed necessary. As I said before, I'm not trying to take away business from anyone, I just want restitution for the unjustifiable situation that I am facing. I am in fact working with NEW but as I stated before, if there is no one to help me and I'm continuously getting the runaround, some actions need to take place as a valued customer.
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 Ms. [redacted].
Ms. [redacted] is a valued customer and we realize the frustration associated with the situation.
Please understand that applying policies consistently and fairly to all customers is among our top priorities. As stated in our previous response, the warranty claim on Ms. [redacted]'s Captain's Bed is being administered by National Extended Warranty. This is because it did not meet the terms of our return policy (after 90-day return period).
Our return policy is being applied to Ms. [redacted] the same as it would for any other customer with similar circumstances.
As all aspects of Ms. [redacted]'s claim are now entirely within the confines of the warranty provider and beyond our purview, we consider this matter closed; Ms. [redacted]'s best recourse is to continue working with NEW.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah

Initial Business Response /* (1000, 5, 2015/06/18) */
CONFIDENTIAL COMMUNICATION
June 18, 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 we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate Ms. [redacted] enrolled in SafeLine Plus Account Protection on January 1, 2014 at the time of placing an order on our website. Ms. [redacted] would have received terms and conditions for her SafeLine Plus plan within 7-10 business days from the enrollment date. On March 12, 2015, SafeLine Plus was cancelled by a SafeLine Service agent per Ms. [redacted]'s request and a credit was issued for the last two SafeLine Plus charges totaling $28.11. On June 3, 2015 a credit for interest charges was also issued as an exception in the amount of $43.81.
Allow me to explain that SafeLine Plus Account Protection Plus is a program designed to help should experience a covered event like becoming unemployed, disabled, a major life event, or change in primary residence impact the account holder. When a benefit application is received and approved, the plan will cover the current minimum payment due on a customer's credit account during a covered event for 1 to 12 months, depending on the benefit. For some benefit events, like death or foreclosure, SafeLine Plus will waive the entire balance as of the date of the event (up to the assigned credit limit) provided all conditions are met.
The monthly fee for SafeLine Plus is $1.19 per $100.00 of the total balance at the end of each monthly billing cycle. This fee appears on each statement when there is a balance on the account being covered by the plan. It is located in the fees section of the statement and would have appeared as early as her February 13, 2014 billing statement.
Customer satisfaction is very important to us and as such, on the reverse side of each monthly billing statement are a series of disclosures informing and advising customers on various aspects of their account. The section titled "What To Do If You Think You Find A Mistake On Your Statement" explains the required steps necessary to file a formal dispute in this regard. It states, in part:
"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. While we investigate whether or not there has been an error, the following are true:
We cannot try to collect the amount in question, or report you as delinquent.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit."
As a reminder to Ms. [redacted], SafeLine Plus charges are clearly labeled on every billing statement. It is the responsibility of our customers to review their billing statements each month regarding the charges and credits. If our customers feel that there is an error in billing, we can review the error with our customer at that time.
Should Ms. [redacted] have any concerns on her monthly billing statement our Customer Service agents are here to assist Monday - Friday, 8:00 AM - 8:00 PM at [redacted].
No further credit can be issued for SafeLine Plus charges. Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw

Initial Business Response /* (1000, 6, 2014/12/29) */
CONFIDENTIAL COMMUNICATION
December 29, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]
Dear Ms. [redacted],
I am...

writing in response to the inquiry that we received from your office on behalf of [redacted] regarding the order cancellation on her WebBank/Fingerhut FreshStart Credit Account.
According to the notes on the account, the order was cancelled at the request of Ms. [redacted] on October 27, 2014.
I have listened to the calls in question. I apologize to Ms. [redacted] if she was dissatisfied with the service that was provided to her at that time. It is our goal to provide each customer with an exceptional Customer Service experience.
According to the call recordings, Ms. [redacted] spoke to a senior agent on December 14, 2014 who correctly advised that it is our policy to mail down payments back to our customers in the form of a check at their request. At that point, the Ms. [redacted] stated she understood and disconnected the call without requesting the refund.
Because of the misunderstanding, I have made an exception to our policy and had her $30 down payment refunded directly to her debit card ending in [redacted] on December 23, 2014. The credit should be visible within 3-5 business days of that date.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw
Initial Consumer Rebuttal /* (3000, 8, 2015/01/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did not disconnect a call without requesting a refund. I was hung up on by two representatives. The one person I was able to speak with was very clearly informed that I was calling regarding receiving a refund. Why would I go through the aggravation of calling several times and asking to speak to a manager only to forget about the refund? This response makes no sense. The whole purpose of my phone calls AND EMAILS was to receive a refund for money that never should have been taken out of my account.
The company did finally refund my money 2 MONTHS after it was taken out of my account. Money that never should have been taken out of my account to begin with since the order had been cancelled and never shipped.

Initial Business Response /* (1000, 7, 2015/01/29) */
CONFIDENTIAL COMMUNICATION
January 29, 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 the Samsung Galaxy S5 Unlocked Android Smartphone ordered on his WebBank/Fingerhut Advantage Credit Account.
According to the information we have on file, the order for the Samsung Galaxy S5 Unlocked Android Smartphone was placed on August 09, 2014. According to the tracking information provided by UPS, the package was delivered on August 14, 2014. The tracking number is [redacted] and the information may be view on the UPS website.
I apologize to Mr. [redacted] for the inconvenience that has been caused by his missing package that was delivered by UPS. In situations involving non-receipt of merchandise situations, it is our policy to require a legal affidavit from our customers.
Due to the monetary value of the order, and because the package weight indicates that the merchandise was included in the package originally, we have determined it also necessary to require that Mr. [redacted] file a report with his local police.
Under separate cover, I have sent a legal affidavit to [redacted], Bensalem, PA 19020. Receipt of the affidavit and the police report allows us to complete our investigation with necessary due diligence. To facilitate the rapid resolution of this process, he may fax his affidavit and the police report to [redacted] Attn: [redacted] or mail it to [redacted], St. Cloud, MN 56303. Upon completion of the investigation, we will notify him of our results.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw

Revdex.com:
I have already returned the first box and have not opened the second yet. I would like the mailing label for the second box sent to my email at k[redacted][email protected]. Otherwise I will take the unopened box to UPS and refuse package, having it returned to sender. 
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Initial Business Response /* (1000, 8, 2015/04/30) */
CONFIDENTIAL COMMUNICATION
April 30, 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/Gettington Credit Account.
Our records confirm that a Frye Women's Melissa Button Boot was purchased on Ms. [redacted]'s account on December 1, 2014. They further confirm that two separate affidavits of merchandise not received were sent in order to process Ms. [redacted]'s claim of never receiving the boots. The first was sent on December 29, 2014, and the second on February 24, 2015 after we received the first one without the required police report (as stated in the letter accompanying the affidavit).
We received the second affidavit on March 24, 2015, but it also did not include the police report. Ms. [redacted]'s account is noted that on April 7, 2015 she provided the required information by telephone contact, and the phone agent referred the information to the appropriate department.
The claim was approved on April 8, 2015 and, on the same date, Ms. [redacted] received an account credit covering the full cost of the boots. This credit adjustment is reflecting on her most recent monthly billing statement that was generated and sent to her email address on April 19, 2015.
We trust that Ms. [redacted] will find this explanation and measures we have taken as a satisfactory outcome to this matter.
Thank you for allowing us to assist and explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah

Initial Business Response /* (1000, 13, 2014/02/11) */
[redacted] St. Cloud, MN 56303
www.fingerhut.com
CONFIDENTIAL COMMUNICATION
February 11, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re:...

Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to an inquiry we received from your office regarding [redacted].
Our records indicate that an order was placed for the Encore Technology 3CD Turntable on November 4, 2012, not October 28, 2013 as Mr. [redacted] states in his complaint. He also purchased the Two Year Extended Service Plan (ESP) that is in effect from November 5, 2015 - November 4, 2017. The ESP begins when the manufacturer warranty ends.
Our records also indicate that the description for the turntable states that the unit has a Three Year Limited Warranty with the manufacturer.
Mr. [redacted] contacted us on June 11, 2013 regarding the turntable. Because the turntable is under the manufacturer's warranty, our Customer Service Representative advised Mr. [redacted] to contact the manufacturer, Electro Brand at [redacted].
On June 17, 2013, Mr. [redacted] contacted stating that he received a letter from the manufacturer that the ESP was not through them. Our Customer Service Representative explained to Mr. [redacted] the ESP begins, November 5, 2015, and that the turntable was under the manufacturer's warranty.
We did not hear from Mr. [redacted] again until December 24, 2013. The ESP that he had purchased when the order was placed for the turntable was canceled and his WebBank/Fingerhut Credit Account was credited in the amount of $19.99 for the ESP.
He contacted us again on January 6, 2014, and it was explained to him that the Encore Technology 3CD Turntable was purchased on November 4, 2012 and that the turntable was under the manufacturer's warranty.
A letter was mailed to Mr. [redacted] on February 10, 2014 indicating the date of purchase.
Because the turntable is under the manufacturer's warranty, Mr. [redacted] must work with them regarding this matter. He may contact them at the phone number listed above.
Mr. [redacted]'s account has a credit balance of $19.99. It is noted that on January 6, 2014, that Mr. [redacted] requested that he receive this amount in cash. We are not able to mail him cash. He may request that a check is mailed to him in that amount. He may contact our Customer Service Line at [redacted] Monday - Friday, 8:00 AM - 8:00 PM Central Time.
Thank you for this opportunity to explain.
Sincerely,
[redacted]
Executive Care Team
VF/tas

Initial Business Response /* (1000, 7, 2015/02/05) */
CONFIDENTIAL COMMUNICATION
February 5, 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.
Our records support a purchase on Ms. [redacted]' account dated November 23, 2014 for an Alcove Microwave Pantry. They further show she telephoned us on November 28, 2014 requesting to return it for the reason that it arrived damaged.
Ms. [redacted]' return request was approved and will continue to be honored; however, the notes on her account suggest she was advised that we could send her a box and/or packing materials. If she was given this incorrect information, we apologize for any inconvenience. Ms. [redacted] was correctly advised by subsequent phone agents of the various ways deemed acceptable for packing her return.
On January 20, 2015, a postage paid shipping label was sent to Ms. [redacted] to return the pantry at no cost to her. The label allows Federal Express to pick up the pantry directly from Ms. [redacted]' home--although they require that it be securely packaged and ready to ship upon pick-up.
We are eager to help Ms. [redacted] achieve her desired outcome for this matter. We appreciate her ongoing cooperation to ensure we receive the microwave pantry back from her.
Thank you for allowing us to assist and explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 9, 2015/02/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I don't deny they sent a label but the point is being totally looked over I need a box I called a place that could possibly make me a 6 ft box to send this back they want a hundred dollars for a box this size I don't feel I should have to take anything out of my pocket to return there damage product that arrived at my house the box was destroyed in shipping why should I have to run around and take a hundred dollars out of my own pocket they need to send me a box or call the ups store in waterville Maine and pay the hundred dollars so I i can get this item back to them im not going to incur a hundred dollar loss to myself it's not right and they need to fix this
Final Business Response /* (4000, 11, 2015/02/16) */
CONFIDENTIAL COMMUNICATION
February 13, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted].
Ms. [redacted] is a valuable customer, but please also understand, our policies are applied equally and fairly to all customers. We are unable to grant customer requests for boxes or other packing materials other than what the customer received their order in when it was packed and shipped to them.
After careful review of the circumstances unique to Ms. [redacted]' situation, we have decided she is no longer required to return it before receiving the credit. The pantry is hers to keep, dispose of or otherwise do with as she sees fit, and she has now received credit for the full cost of the item, including shipping/handling.
She will see this documented on a future monthly billing statement for her records.
Thank you for allowing us to assist and explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah

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.
Since contact finger hut has corrected the issues with my account

Initial Business Response /* (1000, 5, 2014/05/29) */
CONFIDENTIAL COMMUNICATION

May 28, 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 Credit Account.
Mr. [redacted]'s account indicates he ordered the 10K Gold 1 CT, Cubic Zirconia Ring on November 23, 2013. We received this item as a return on January 7, 2014. Mr. [redacted]'s account was credited for the merchandise price. 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 polices and credited the original shipping and handling on this return. We have also credited the accrued late fees, SafeLine fees and interest in relation to this matter. Mr. [redacted] will see these credits on a future billing statement.
As of May 29, 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.
Effective May 28, 2014, we have closed Mr. [redacted]'s account.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/mhp