Bluestem Brands, Inc.

CONFIDENTIAL COMMUNICATION

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May 4, 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 Ms. [redacted] regarding her WebBank/Fingerhut credit account. We have included the account activity, statements from July 2015 through April 2016 and Terms and Conditions.

Ms. [redacted] states she was late for two months in September and October 2015 and made a payment to bring the account current on November 1, 2015. Ms. [redacted] further states that upon reviewing the account in December 2015, realizing the account was past due, she made several attempts to contact Fingerhut from December through January. She was unable to make payments because customer service was unwilling or unable to assist with her making payments because of a credit block. Ms. [redacted] indicates Fingerhut cannot explain why her available credit is zero after making substantial payments to bring down the account balance. Ms. [redacted]’s desired resolution is to have the negative reporting from January and February 2016 removed and have the account closed to prevent further errors or provide her with available credit.

Our records indicate that on March 31, 2014, an application for credit was processed online using Ms. [redacted]’s name, address and social security number. An order was placed on December 17, 2014 online for a Rocawear Men’s 3/4 Length ParkaOlive, Large. The merchandise was shipped to the same address as provided on the application. The latest order, totaling $480.86, was placed on July 1, 2015.

We have received multiple payments on this account from a checking account ending in [redacted] and Visa debit in the name of [redacted]. The latest payment was received on April 15, 2016 totaling $70.00 from Visa debit card ending in 4401 shown in the name of [redacted]. 

Our research shows that no payments were made towards the account from June 29, 2015 through October 31, 2015. The credit limit was reduced to zero for non-payment on November 2, 2015 as the account had reached four billing cycles with no payment by October 28, 2015.

Please note when the account credit limit is reduced to zero, the account closes to future credit purchases. Customers may order from Fingerhut using Visa, MasterCard, or Discover to pay for the order. Any outstanding balance will continue to accrue interest. The account may be assessed late fees and is subject to the original terms and conditions of the Agreement.  Once the account has been paid in full, customers are encouraged to re-apply for credit.

Our records indicate that Ms. [redacted]’s account was brought to a current status with a payment of $200.96 on November 1, 2015.  No payments were received towards this account from November 2, 2015 through February 1, 2016. This resulted in a thirty day and a sixty day late status being reported to the credit bureaus.

Our records also indicate, outside of mailed communications to Ms. [redacted], there weren’t any telephone, email or chat communication from October 10, 2015 through April 25, 2016. If Ms. [redacted] can provide more information on when and to whom she spoke with during this time, we will investigate the matter further.

There were no holds placed on Ms. [redacted]’s account which would have prevented her from making a payment on her account.

An account review completed on April 29, 2016 confirms the credit bureaus are accurately reporting the account as Pays as Agreed or Current. As of May 4, 2016, Ms. [redacted]’s WebBank/Fingerhut credit account balance is $993.82 with a minimum payment of $59.99 due by May 27, 2016. Per Ms. [redacted]’s written request, we have closed her account effective May 4, 2016.

We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Ms. [redacted]’s Welcome Packet. It states:

“If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.”

Conversely, accounts that are in good standing will be reported as well.

If Ms. [redacted] still has questions regarding what has or has not been reported to the credit bureaus, she may contact us at the address listed above or by calling us toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm  Central Time.

Thank you for the opportunity to explain.

Sincerely,



Kari [redacted]
Executive Care Team
KD/sa

Enclosures

Initial Business Response /* (1000, 5, 2015/11/23) */
CONFIDENTIAL COMMUNICATION
November 20, 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.
We would like to apologize for any difficulties Ms. [redacted] had understanding our phone agents. We strive to exceed our customer's expectations, and make their experiences with our phone agents satisfying.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 7, 2015/12/08) */

Initial Business Response /* (1000, 5, 2014/05/21) */
CONFIDENTIAL COMMUNICATION
May 21, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am...

writing in response to an inquiry received from your office on behalf of Ms. [redacted], regarding her Fingerhut FreshStart Account issued by WebBank.
Ms. [redacted] has a Fingerhut FreshStart Account issued by WebBank it is designed to assist potential customers that don't currently qualify for a revolving WebBank/Fingerhut Credit Account. This program is a closed-end installment loan. The customer makes a purchase that is within their assigned credit limit, pays it off in installment payments and then may qualify for a revolving credit account. A $30.00 down payment is required when the order is placed.
I want to clarify with Ms. [redacted] that there is a required minimum amount due each month. A customer can pay more than the minimum amount due, but it will be applied to the month in which it was received.
Our records indicate that an order was placed on September 25, 2013 for a King Comforter Set + Free Sheet Set and a QN 8p Bed Set w/FREE12pAccess via our website.
Ms. [redacted]'s monthly billing statement dated November 13, 2013, indicated a minimum monthly payment of $27.11 due December 9, 2013. We received the payment from Ms. [redacted] on December 13, 2013 for $27.11, which was after the due date and resulted in a late fee. Our records indicate we are reporting her account correctly to the credit bureaus and no deletion of our report will be granted. Please understand that if we were to delete the negative history, we would be knowingly reporting inaccurate information to credit reporting agencies, which is a violation of the Fair Credit Reporting Act
After careful consideration we have converted Ms. [redacted]'s to a revolving Fingerhut account and will be available for her use within the next 30-days.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ca
Initial Consumer Rebuttal /* (3000, 7, 2014/05/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I paid this account off EARLY! it is fully PAID..how can they report it as negative if I owe them NO MORE money?? I do not want to deal with this company again because I paid this off and if I owed them ANY amount of money,dont you think that I would have paid it to make my credit better? this was the whole reason for me to open this account to begin with.I feel robbed!
Final Business Response /* (4000, 9, 2014/06/06) */
CONFIDENTIAL COMMUNICATION
June 6, 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 further inquiry received from your office on behalf of Ms. [redacted], regarding her Fingerhut Advantage FreshStart Credit Account issued by WebBank.
As stated in our previous letter Ms. [redacted] monthly statement dated November 13, 2013, indicated a minimum monthly payment of $27.11 due December 9, 2013. We received the payment from Ms. [redacted] on December 13, 2013 for $27.11, which was after the due date and resulted in a late fee.
I want to clarify with Ms. [redacted] that there is a required minimum amount due each month. A customer can pay the account in full early but if there was late payment that was previously made it may be reported to the credit bureau.
Our records indicate we are reporting her account correctly to the credit bureaus and no deletion of our report will be granted. Please understand that if we were to delete the negative history, we would be knowingly reporting inaccurate information to credit reporting agencies, which is a violation of the Fair Credit Reporting Act
If Ms. [redacted] would like to close her account she may contact customer service at [redacted] M - F 8 AM - 8 PM.

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

CONFIDENTIAL COMMUNICATION
 
New Roman"> September 22, 2016                                      ...⇄
 
Revdex.com of Minnesota                                   �...⇄ [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
 
Re: Case # [redacted]– [redacted], [redacted]
 
Dear Ms. [redacted],
 
I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted], regarding a WebBank/Fingerhut Advantage Credit Account.
 
Mr. [redacted] states that he did not receive the power washer he ordered on August 14, 2016. He contacted us via email on August 22, 2016 and we responded back asking if he wanted the item replaced or credited, and he advised he would like the item replaced. His inquiry also states that we ordered the wrong item to be resent to him, an Xbox charger pack. Mr. [redacted] says that when he called us to advise we’d ordered the wrong item, the agent advised she would need to credit the original power washer and recharge his account for the replacement order.
 
Our findings, after researching Mr. [redacted]’s account, are in alignment with what he states occurred. He contacted us to advise he did not receive the power washer, and an incorrect replacement was sent to him.
 
We apologize that the incorrect item was sent to Mr. [redacted]. On August 29th, 2016, a no charge order was placed for the Sun Joe 2030 PSI Pressure Washer. Tracking indicates it was delivered on September 1, 2016. 
 
We have issued credit for the second Xbox charger pack, since we sent it to Mr. [redacted] in error. He may keep the merchandise at no cost.
 
As a courtesy, we are also sending Mr. [redacted] a discount coupon, under separate cover, for $20.00 that he may use on a future order.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
Vi [redacted]
Executive Care Team
 
VF/bw

I had bought a pair of shoes, but they didn't fit right. So, I sent them back. They stated that I owed them $6, so I sent them $6. They said I owed them $9.99, but the shoes were sent back. I called them several times about the same issues. They sent a replacement pair of shoes and refused them. The shoes cost $29.99 originally and they sent me a refund check for $16.01

Don't touch them with a 10 foot pole...I placed an order with them and was never notified that it was back ordered and they had no intention of getting it to me on time. The call center person I spoke to to have the order canceled was rude. I asked how long it would take for my credit to be refunded and was told 5-7 business days. Here it is nearly 2 months later, no credit refund. I had to call in again and was told that I wouldn't be allowed to use their online ordering because I had canceled my order and that "That's just how it is" They also told me I wasn't allowed a refund on my payment that I had made to initiate the order. I asked for a supervisor and the girl was again rude about it "He'll just tell you the same thing I'm telling you". I spoke with him and told him I wished to close my account and be refunded the money I am out. He said he could help me place an order. I had to repeat myself three times to refund my money and close my account. He then would not give me his name until I asked 3 times for it. DO NOT USE THEM!

CONFIDENTIAL COMMUNICATION

face="Arial" size="2"> 
July 12, 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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
 
In Mr. [redacted]’ inquiry he states he placed an order for a canopy and due to the item being unreliable he was sent a postage paid return label to return the item for a refund. He also indicates he received a call from Fingerhut and was advised he had a $400.00 credit limit with Fingerhut and available credit that was owed to Mr. [redacted] from the payments he had made toward the canopy of almost $300.00. He states an agent talked to him about other products and that he ordered a smartwatch. He claims the agent indicated he still $24.00 owed to him and the $400.00 in Fingerhut credit. However, Mr. [redacted] states he received a statement from Fingerhut with a balance of $334.82 when he shouldn’t owe any balance. He also claims to have received the incorrect smartwatch. Mr. [redacted] also indicates he has experienced difficulty while attempting to speak with supervisors. He would like his account to reflect a zero balance and to be contacted by phone.
 
Our records indicate an order was placed on our website on April 18, 2015 for a 10x20 Instant Garage or Canopy which totaled $395.98 including shipping and handling. The canopy was delivered by UPS on April 21, 2015 at 10:47 AM. We received a payment from Mr. [redacted] on May 3, 2015 for $25.00. Mr. [redacted] requested to receive his monthly billing statements electronically to the email address we have on file for him when he applied for his Fingerhut Credit account. On Mr. [redacted]’ May 9, 2015 billing statement, a minimum payment of $29.99 was due by June 5, 2015. On June 4, 2015 we received a payment of $29.99. On his June 9, 2015 statement, the minimum payment of $23.99 was due by July 5, 2015.  Due to no payment being received by the due date a late fee of $23.99 was assessed to Mr. [redacted] account.
 
When Mr. [redacted] opened his Fingerhut Credit account he agreed to the terms and conditions. Within these terms and conditions it states, “Late fees will be equal to your minimum payment due with a maximum amount of $27.00. The maximum amount will increase but not be more than $37.00 if you did not make your minimum payment on time in any one of the 6 prior billing cycles.”
 
On June 26, 2015, Mr. [redacted] contacted us by phone and advised us that the metal on the canopy was broken. The canopy had a 1 year limited manufacturer warranty and we advised Mr. [redacted] to contact ShelterLogic for further assistance. On his July 9, 2015 statement the minimum payment of $53.98 was due by August 5, 2015. No payment was received and a late fee of $37.00 was assessed. On his August 9, 2015 billing statement, a minimum payment of $83.97 was due by September 5, 2015.
 
On August 27, 2015, Mr. [redacted] contacted us by phone to update his billing and shipping address and to verify if the return of the canopy had been received. We have no record of authorizing the return of the canopy after referring Mr. [redacted] to the manufacturer. The agent advised Mr. [redacted] that we would issue credit for the canopy as a courtesy in the amount of $395.98. The agent also issued credit for the remaining balance of $28.36 as a courtesy to bring Mr. [redacted] account to a zero balance. Since the item was charged to Mr. [redacted]’ Fingerhut credit account and since Mr. [redacted] was still responsible to make the minimum payment due on the account until the return was received and credited, the late fees that were assessed to Mr. [redacted] account were valid. We have only received two payments which total $54.99. If Mr. [redacted] has record of any other payments that have been made on his Fingerhut Credit account that are not reflected in this letter he may send us a copy of the front and back of the cashed check or money order to Executive Care Team Attn: Becky [redacted] St. Cloud, MN. 56375 for further review or to expedite he may fax it to ###-###-####.
 
Mr. [redacted] September 9, 2015 billing statement reflects the credit issued for the return and the credit for $28.36 and reflects a zero balance.
 
On March 31, 2016, our records indicate Mr. [redacted] placed an order by phone for a Sony SmartWatch 3 Black which totaled $264.98 including shipping and handling. Since we do not participate in outgoing sales calls the information would have been provided by Mr. [redacted] at the time he contacted us to place the order. We have no record of us calling Mr. [redacted] to place an order. The catalog number provided at the time of the order did not offer deferred payments.
 
Mr. [redacted] contacted us by phone on April 8, 2016 and stated he wanted to return the watch. The agent advised Mr. [redacted] to return the watch using the postage paid return label that came along with the item.
 
When Mr. [redacted] April 9, 2016 billing statement cycled, it reflected a minimum payment of $20.99 due by May 5, 2016. No payment was received and a late fee of $20.99 was assessed to Mr. [redacted] account. On his May 9, 2016 billing statement, the minimum payment of $41.98 was due by June 5, 2016. No payment was received and a late fee of $37.00 was assessed. While Mr. [redacted] opted to receive electronic statements from us, paper statements will be sent to the address we have on file if the account becomes past due. Once the account is brought current, electronic statements will resume. On his June 9, 2016 billing statement, the minimum payment of $65.97 was due by July 5, 2016.
 
Mr. [redacted] contacted our Customer Service Department on June 24, 2016 and spoke with an agent. He advised the agent that he felt he didn’t owe anything on his account. He advised the agent he should have had deferred payments on the order, requested a postage paid label to return the watch and an itemized statement. Mr. [redacted] also requested to speak to a supervisor. When the agent was attempting to transfer Mr. [redacted] to a supervisor, Mr. [redacted] hung up. We sincerely apologize for any inconvenience Mr. [redacted] may have experienced. The agent sent the postage paid label as a courtesy and requested the itemized statement to be sent to the address we have on file for Mr. [redacted] the same day.
 
Our return policy is listed in our catalogs and on our website and 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. 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.
 
To date we have not received the return of the watch. Since the item is outside of our normal return policy time frame we will allow the return of the watch through July 24, 2016. This time frame allows Mr. [redacted] a full 30 days to return the item from the date the agent sent out the postage paid return label. If the watch is not received by July 24, 2016, no credit will be issued.
 
If Mr. [redacted] has further questions regarding his account he may contact a member of our Executive Care Team at ###-###-#### for further assistance. He may also contact our Customer Service Department at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT.
 
Thank you for allowing us to explain.
 
 
Sincerely,
 
 
Vi [redacted]
Executive Care Team
VF/bw

Bluestem Brands, aka Pay Check Direct is a company that is not a finance company therefore they cannot report to the credit bureau because they only do 0% finance? They have poor customer service on the Collection Side because first of all, it should have never got that far. Military and Retirees can only do this through an allotment and that would be wise anyway. The military allotment system is set up deduct only once a month for retirees. My purchase was set up over the phone and I did not receive a contract "so to speak" until after the fact, also, they appear to be deceptive and even ignorant on how the military allotment system works, What they did with mine was set it up over the phone for 47 dollars once a month and agreed to that even though in (small print) it shows I agreed to 47 dollars every two weeks. Now, they knew and knowingly allowed me to set up my account under the terms of 47 dollars once a month and I had to fax a copy of the process to them and they accepted that. They then sent me the heavily worded contract which is full of legal "CRAP" which the general public could care less about. That aspect about our society is corrupt and void of solid reference for customers to fully understand the entire process. They allowed me to make around six to seven months of payment of 47 dollars and then they started harassing me. I changed my allotment to reflect 94 dollars once a month and now they want all the money from the difference. This was a 1 year agreement. I believe they failed to initially set this up properly when I kept asking questions during the over the phone process and they kept assuring me that all is well. I guess all is not well, these people should be shut down "Pay Check Direct" because military and government citizens may be getting taken advantage of.

Initial Business Response /* (1000, 7, 2015/02/12) */
CONFIDENTIAL COMMUNICATION
February 12, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [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 [redacted]/Fingerhut Advantage Credit Account.

We sincerely apologize to Ms. [redacted] or any difficulty she encountered with her order for the alcove Bennet Queen Bed with 3 Drawers - Black. We take every precaution to ensure our customers receive their Fingerhut merchandise in new, ready-to-use condition.
Ms. [redacted]'s account indicates that she first contacted us on January 5, 2015 to inform us that she did not receive the hardware. Our records indicate that customer service representative Ms. [redacted] spoke with submitted a request to have the missing hardware sent to Ms. [redacted] on January 5, 2015.
Our records indicate that Ms. [redacted] contacted us several times regarding the missing hardware over the month.
I have requested that prepaid label and instructions be sent to Ms. [redacted] to return the alcove Bennet Queen Bed with 3 Drawers - Black. We advise her to allow up to ten days from the mail date to receive them.
Ms. [redacted]'s statement dated February 1, 2015, indicated a balance of $540.79 with a minimum payment of $99.97 due by February 27, 2015, with $64.98 of this amount past due.
A credit for the alcove Bennet Queen Bed with 3 Drawers - Black will be issued to Ms. [redacted]'s account once received. However, as Ms. [redacted] does have other purchases on her account, we strongly advise customers keep their account in good standing by making the minimum amount due each month, even while engaged in a dispute.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ca

Initial Business Response /* (1000, 5, 2014/12/19) */
CONFIDENTIAL COMMUNICATION
December 19, 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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
It is in regards to her purchase dated September 21, 2014 for a HP 15.6-inch Laptop, USB Flash Drive, Mouse and Sleeve. We received it as a return on October 14, 2014 and Ms. [redacted] received credit for the full merchandise price. Our Returns Department confirmed the laptop to be defective, and for that reason Ms. [redacted] qualified to receive credit for the original shipping/handling as well.
Regrettably, this adjustment covering the shipping costs was not applied at the proper time, resulting in a small remaining balance on her account. Ms. [redacted] has now received credit for this cost, and her account reflects a $0 balance as of the date of this letter.
After careful review of the reporting history of the account, there has been no negative report to the credit bureaus as a result of this matter.
We apologize for any inconvenience to Ms. [redacted], but trust she will find a satisfactory resolution in this explanation and measures we have taken.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Complaint Response Date bumped because: Holiday

CONFIDENTIAL COMMUNICATION
May 26, 2016
Revdex.com of Minnesota                                   �...⇄             #[redacted]
Attn: Ms. [redacted]
220 S. River Ridge Circle
Burnsville, MN  55337
Re: Mr. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to a second inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut credit account ending in [redacted].
Mr. [redacted] states that his WebBank/Fingerhut credit account was not included in his bankruptcy and should not be reporting negatively. Mr. [redacted] further states that WebBank/ Fingerhut is entitled to close an account and report as “Closed by Creditor” because the account was never delinquent as no orders were ever placed on this account. Mr. [redacted]’s desired resolution to remove the derogatory remarks from his credit report.
As stated in our initial response, a WebBank/Fingerhut credit account ending [redacted] was opened when an application for credit was processed online July 13, 2010 in the name [redacted] A. [redacted].
According to public record, Mr. [redacted] filed Chapter 13 bankruptcy on August 24, 2010. The court had notified all of Mr. [redacted]’s creditors that he filed Chapter 13 bankruptcy regardless if Mr. [redacted] had included the accounts or not. Fingerhut was notified by the courts and updated Mr. [redacted]’s account to Closed due to Bankruptcy on November 1, 2010.
On March 28, 2013, Mr. [redacted] attempted to order a Scosche iPad 2 Black Leather Textured Folio Case using the first Fingerhut credit account ending in [redacted]. The order was cancelled as the account was previously closed due to Bankruptcy.
Our records indicate a second credit application was received on March 28, 2013, with Mr. [redacted]’s name which was approved for a Fingerhut FreshStart Installment Loan account ending in [redacted] upon receipt of a $30.00 down payment. An order was placed online the same day for a Scosche iPad 2 Black Leather Textured Folio Case.
On June 9, 2013, Mr. [redacted] graduated into a second WebBank/Fingerhut credit account ending in 7365. An order was placed for a Honeywell True HEPA Quietcare Air Purifier with a 1 year Service Plan.
According to public record, Mr. [redacted]’s bankruptcy was discharged on January 21, 2016 and the case was closed on April 1, 2016.
Based on an account review on May 11, 2016, Equifax, Experian and Trans Union are reporting Mr. [redacted]’s account ending in [redacted] accurately as Closed Due to Chapter 13 Bankruptcy with a zero balance and past due. In order to ensure all bureaus are reporting the same, an electronic update was sent to the bureaus to update the Date of Account Information to August 24, 2010. (Ref: [redacted])
The bureaus are also accurately reporting the Fingerhut FreshStart Installment Loan account ending in [redacted] and second Fingerhut credit account ending in [redacted] as ‘paid and closed with a zero balance’ and ‘current with a zero balance’, respectively.
We cannot revise any additional information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]’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] still has questions about his account regarding what has or has not been reported to the credit bureaus, he may contact Fingerhut by calling toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Standard Time.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sjj

CONFIDENTIAL COMMUNICATION

0in 0pt; text-align: left;" align="left"> 
May 25, 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 Ms. [redacted] regarding a WebBank/Fingerhut credit account. We have included the account activity, credit application, Terms and Conditions and the last three monthly statements.
 
Ms. [redacted] states that Fingerhut is reporting a credit account which is not hers. Ms. [redacted]’s desired resolution is to have trade line deleted from her credit report.
 
Our records indicate that on February 15, 2007, an application was processed online with Ms. [redacted]’s personally identifiable information. On March 30, 2007 an order was placed with online for a 3 pc Pink Milano EVA Luggage. The merchandise was shipped April 2, 2007 via FedEx to the same address as provided on the application. The last order, totaling $44.94, was placed on August 30, 2011.
 
We have received multiple payments on this account from checking accounts ending in 5883, 1372 and 0841. The name associated with all of the accounts is [redacted]. The last payment, totaling $22.99, was received on September 9, 2011. No further payments were received. The unpaid balance of $2320.31 charged off on March 13, 2012 and the account was sold to Midland Credit Management on January 31, 2013.
 
Based on our research, we received four credit bureau disputes though the credit bureaus, since the account was sold, in which we responded directly to the bureaus on January 21 and 22, 2015, April 28 and May 2, 2016.
 
Equifax and Trans Union are accurately reporting the account as Transferred/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 Ms. [redacted]’s Welcome Packet. It states:
 
“If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.”
 
Conversely, accounts that are in good standing will be reported as well.
 
If Ms. [redacted] has questions about what Midland Credit Management may be reporting, she must contact them directly at ###-###-####.
 
We referred Ms. [redacted]’s correspondence to our Credit Risk Department for further review. In order to continue processing a claim of fraudulent account opening, we ask that she complete and return the unordered merchandise affidavit we have sent directly to [redacted], Las Vegas, Nevada 89144 on May 25, 2016. We also ask that Ms. [redacted] file a police report and send both copies to the following address:
 
Fingerhut
Attn: Fraud Department
[redacted]
St. Cloud, MN 56303
 
Ms. [redacted] may also fax the affidavit and police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account.
 
Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation.
 
If Ms. [redacted] has further questions or concerns during the process, she may contact the Fraud Department at ###-###-####. Their hours are Monday – Friday 8:00am – 6:00pm Central Time.
 
Thank you for the opportunity to explain.
 
Sincerely,
 
 
 
Kari [redacted]
Executive Care Team
KD/sa
 
Enclosures

Initial Business Response /* (1000, 5, 2014/03/19) */
[redacted] St. Cloud, MN 56303
www.fingerhut.com
CONFIDENTIAL COMMUNICATION
March 18, 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 when the payment schedule was set up on March 11, 2013, an incorrect payment due amount was entered and I sincerely apologize for that error.
Ms. [redacted]'s WebBank/Fingerhut Credit Account was credited for a portion of the accrued late fees on March 6, 2014. I have credited the remaining late fees as well as accrued interest charges on March 18, 2014. Ms. [redacted] will see the credit on her April 15, 2014 monthly billing statement.
As of March 18, 2014, her Fingerhut Credit Account has zero balance.
I have also requested that her credit bureau reporting is updated. Ms. [redacted] should allow 60 - 90 days for this request to process.
Please allow me to explain that even though Ms. [redacted]'s Fingerhut Credit Account had scheduled payments, it is our customer's responsibility to review each monthly billing statement for potential errors so that we can address the issue at that time.
Again, I apologize for the error and any inconvenience this may have caused.
Thank you for this opportunity to assist and explain.
Sincerely,
[redacted]
Executive Care Team
VF/tas

CONFIDENTIAL COMMUNICATION

text-align: justify;"> 
September 28, 2016
 
Revdex.com of Minnesota                                   �...⇄ # [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 regarding a WebBank/Fingerhut Advantage Credit Account for [redacted].
 
Ms. [redacted] states she purchased a fireplace and mantel combo from us but received only the mantel. She states the product description on the website clearly stated it included the mantel and the heater/electric insert, and that she was refused the opportunity to speak with a supervisor about this. Ms. [redacted] requests to receive the heater at no added cost.
 
Our records show Ms. [redacted] placed an order via the website on August 28, 2016 for product code ‘NIVQX’ McCleland Design Camden IR Fireplace Mantel. Records further show that on September 21, 2016 Ms. [redacted] asked the phone agent to speak with a supervisor about this issue. However, a supervisor was not available and Ms. [redacted] was transferred to the supervisor voicemail box. If Ms. [redacted] left a message but did not receive a callback, we sincerely apologize, as our policy requires that contact be made as soon as possible, preferably within 24 hours.
 
This product code, NIVQX, was for the mantel only, but in researching this issue, we confirmed that the related product description stated that the mantel and electric insert were included. We have since corrected this on our website and appreciate Ms. [redacted] bringing it to our attention and apologize for any inconvenience.
 
On September 26, 2016 we placed the order for the heater on Ms. [redacted]’ behalf and at no cost to her. The UPS tracking number [redacted] reflects an estimated delivery date of September 30, 2016. For any assurance Ms. [redacted] may have been given that the heater would be sent and it was not, we again apologize. We are pursuing this matter, as we strive to provide exceptional service in all customer interactions.
 
In addition, we credited the $29.99 late fee related to this matter as a courtesy. It has already been applied to her account and will reflect on a future monthly statement for Ms. [redacted]’ records.
 
Thank you for allowing us to assist and explain.
 
Sincerely,
 
 
Vi [redacted]
Executive Care Team
 
VF/ah

Initial Business Response /* (1000, 5, 2015/11/02) */

[redacted] St. Cloud, MN 56303

CONFIDENTIAL COMMUNICATION
November 2, 2015
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.
First, we would like to extend an apology to Mr. [redacted] that the Cuisinart SodaSparkle Sparkling Beverage Maker he received was expired. We at Fingerhut strive to meet quality guidelines with our merchandise and we sincerely apologize that this was not met.
Mr. [redacted] has been credited in full for all shipping and handling costs associated with this order. His account shows a return credit of $70.98 on October 9, 2015, which included the original shipping cost of $4.99. An additional credit of $7.95 was applied to the account on October 23, 2015.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
Initial Consumer Rebuttal /* (2000, 6, 2015/11/02) */
Final Consumer Response /* (3000, 11, 2015/11/23) */
Still waiting for credit of $4.99 for initial outbound shipping.
Final Business Response /* (4000, 13, 2015/12/03) */
CONFIDENTIAL COMMUNICATION
December 3, 2015
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 further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Mr. [redacted]'s account indicates he purchased a Cuisinart SodaSparkle Sparkling Beverage Maker on September 22, 2015 for $65.99 plus $4.99 for shipping and handling, for an amount totaling $70.98.
As stated in our previous response, Mr. [redacted] has been credited in full for all shipping and handling costs associated with this order. His account shows a return credit of $70.98 on October 9, 2015, which included the original shipping cost of $4.99. We have included a copy of Mr. [redacted]'s October 22, 2015 billing statement for his convenience and now consider this matter closed.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca

Paycheck Direct is terrible. My item was cancelled before Christmas, after I had already submitted payment. I was told I would not be refunded the money, but that it will be applied to a second item, which I did receive. I was charged $20 for shipping, which is not bad for a large TV (cancelled item) but not for a pair of $40 headphones. I asked to speak to a supervisor twice. I was told twice a supervisor would call me back, but no one did. No one can direct me to the clause in the installment agreement that states my payment will be held and shipping is the same. I would not have added the headphones to the order, if I knew the TV was out of stock . SHAME ON YOU PAYCHECK DIRECT. I was offered this benefit for being a part of the Ohio Education Association- just one more way to teacher bash I guess- this time bashing in a very small pocketbook.

CONFIDENTIAL COMMUNICATION
 
Roman" size="3"> September 12, 2016
 
Revdex.com of Minnesota                                   �...⇄                                     # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
 
Re: Case # [redacted] – [redacted], [redacted]
 
Dear Ms. [redacted],
 
I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
 
Mr. [redacted] states he purchased a 5-piece patio set and was only sent a table. He states he contacted Fingerhut and was told it was a misprint, the price only included the table, and if he would like the chairs he would be charged an additional $100.00. His desired outcome is to receive the chairs which he thought was included in the original price.
 
Our records indicate Mr. [redacted] purchased an alcove Harper 5-pc. Patio Dining set on August 16, 2016. We received notification from Mr. [redacted] on August 25, 2016 he only received the table. At this time he was told the product was advertised in error and the price only included the table. He was then told he could return the item for full credit or Fingerhut would credit the price difference on the chairs.
 
On September 6, 2016 Mr. [redacted] ordered an alcove Harper 4-pk. Patio Chair Set. The price difference of $46.65 was credited to his account.
 
Using the UPS tracking number [redacted] we can confirm the merchandise was delivered on September 9, 2016.
 
We apologize for this situation, and would like to ensure Mr. [redacted] this has been updated on our website.
 
If Mr. [redacted] has any further questions he may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
 
Vi [redacted]
Executive Care Team
 
VF/KS

CONFIDENTIAL COMMUNICATION
 
June 24, 2016                                      ...⇄
 
Revdex.com of Minnesota                                   �...⇄                                     # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
 
Re: Case # [redacted] – [redacted]
 
Dear Ms. [redacted],
 
I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
 
Mr. [redacted] claims she has not received a refund of the $30.00.
 
As we have stated previously, the $30.00 was credited to Ms. [redacted]’s credit credit ending in [redacted] on June 16, 2016.
 
Ms. [redacted] should be aware it may take 3-5 business days for the credit to appear on her credit card.
 
If she has not received the credit at this time she may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8AM-8PM.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
 
 
Vi [redacted]
Executive Care Team
 
VF/KS

Initial Business Response /* (1000, 7, 2015/01/16) */
CONFIDENTIAL COMMUNICATION
January 14, 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] about his order for the Toshiba 50" 1080p LED Smart TV on his WebBank/Fingerhut Advantage Credit Account.
We apologize for the difficulties that he experienced with his order. According to the information we have on file, a credit was issued for the full purchase price of the television, including shipping and handling, in the amount of $1,045.98 on December 29, 2014. This credit was visible on Mr. [redacted]'s statement that printed on January 1, 2015.
At this time it appears that the issue has been resolved. We consider this matter resolved at this time.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/jw

CONFIDENTIAL COMMUNICATION
 
July 28, 2016
 
Revdex.com of Minnesota                                   �...⇄ # [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 further inquiry we received from your office on behalf of Mr. [redacted].
 
Mr. [redacted] is a valued customer, and we agree that customers like himself who received credit line increases in the past would have had a strong performing account and also demonstrated similar qualities in their credit history as a whole.
 
However, this does not deviate from the fact that we are within our rights to change our customers’ credit lines under the contract agreement terms and conditions. Our review of Mr. [redacted]’s account confirms that we received his April 2016 and May 2016 payments after his due date. We also did not receive his payment that was due on June 22, 2016 until July 1, 2016. We also have not yet received his current payment that was due on July 22, 2016.
 
It was primarily due to these months of late or missed payments that Mr. [redacted]’s credit line was reduced. As stated in our previous response, once his account is restored to a paid current/good-standing status and no further late payments occur, he will be notified accordingly by email or regular mail if/when he next qualifies for an increase.
 
Having provided Mr. [redacted] all information available to us, we consider this matter closed.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
Vi [redacted]
Executive Care Team
 
VF/ah