Bluestem Brands, Inc.

Initial Business Response /* (1000, 9, 2015/04/08) */

CONFIDENTIAL COMMUNICATION
April 8, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]
Dear Ms....

[redacted],
I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
I sincerely apologize to Mr. [redacted] for any inconvenience caused when he had returned his order placed on January 23, 2014. I have thoroughly reviewed Mr. [redacted] account and offer the following information.
Stated in the Fingerhut Choice Plus Terms and Conditions, "You have the right to cancel your Fingerhut Choice Plus Membership at any time. If you cancel your Membership, you will be entitled to a full refund of your membership fee only if you cancel during the first thirty days of your initial or renewal Membership term. If you cancel your membership after the first thirty days of Membership, you will be refunded your Membership fee on a pro rate basis based on the number of months remaining in your Membership. Cancellation requests must be communicated to Fingerhut at the Fingerhut Choice Plus Customer Service address or telephone number listed in Section 12."
Mr. [redacted] joined Fingerhut Choice Plus on January 23, 2014; Fingerhut Choice Plus was then ended on January 24, 2015.
Mr. [redacted] states he was told that when he returned his order, the Fingerhut Choice Plus, would be cancelled. We apologize if Mr. [redacted] was provided this incorrect information.Mr. [redacted] order was credited back for the merchandise but unfortunately, not for the Fingerhut Choice Plus, which left a balance on Mr. [redacted]'s account.
Statements were sent out to Mr. [redacted] every month, informing him of the balance on his Fingerhut account.
Since no payments were received the account went into delinquent status; the account was then sold to [redacted].
As an exception we have requested Mr. [redacted]'s' account be purchased back from [redacted]. Once we are in possession of the account, Mr. [redacted]'s credit reporting will be updated. This process can take up to 60 days.
If Mr. [redacted] has further questions regarding what [redacted] is, he may contact [redacted] at [redacted].
We apologize for any inconvenience this matter has caused.
Sincerely,
[redacted]
Executive Care Team
VF/CC

Initial Business Response /* (1000, 5, 2015/06/04) */
CONFIDENTIAL COMMUNICATION
June 4, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am...

writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Ms. [redacted]'s account activity history confirms that two separate payments, $100 each, were made on May 24 and 25, 2015. The payment from the 25th was made from her checking account ending '[redacted]', which she states was "unauthorized" as she had previously told us that she "no longer uses it." After reviewing our records, we have not found any indication of Ms. [redacted] informing us that the account is no longer an authorized payment method.
On May 14, 2015 our Billing/Recovery Department telephoned Ms. [redacted] about the past due status of her account and to make a payment arrangement. Ms. [redacted] did not dispute that it was behind, and stated that the earliest she could make a payment was May 25th. The agent began to schedule a one-time automatic payment for May 25th and stated, "Will you be using checking account ending '[redacted]'?" and Ms. [redacted] stated, "Yes. It will probably be the last payment I make from that account, though." After reading the required disclosures and getting Ms. [redacted]'s final permission to set it up, the agent completed the scheduled payment and the call was ended.
An exhaustive search of our records did not result in any evidence of Ms. [redacted] contacting us to cancel the scheduled payment after that call and prior to May 25, 2015 when the payment was applied.
As stated above, she made a $100 payment via the Fingerhut website on May 24, 2015 with a new payment method--debit card ending '[redacted]'.
Ms. [redacted] telephoned on May 26, 2015 upon being made aware of the double payment, and the agent correctly advised that her best recourse was contacting her bank/debit card provider to do an "unauthorized payment reversal." Otherwise, she may take no action and the payment remains valid and subtracted from the total balance, as normal.
While we sympathize with Ms. [redacted]'s situation, we cannot claim sufficient burden of responsibility over this matter for the above reasons, and are unable to compensate for any added costs that she may have incurred.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2015/06/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When I set the payment up for the 25th it was based on the understanding that I could pay with a different card before the 25th and the payment from my old account would not be processed, as the payment was made on the 24th with my new account. I had no intention of paying twice with 2 different accounts. I then called to speak about it & the Rep ([redacted] Rep# [redacted] on 5/26@ 3:50pm) said she did in fact see in my file that I would no longer be using the old bank account & that it would be refunded. But this not the only issue in the last 2 months I have had with the company & have come to learn they just tell you lies & what you want to hear over the phone but do not follow through with what they say.
Final Business Response /* (4000, 9, 2015/06/18) */
CONFIDENTIAL COMMUNICATION
June 17, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted].
A review of the phone call with agent '[redacted]' on May 26, 2015 confirms that Ms. [redacted] was advised to fax us a copy of her bank statement for bank account ending '[redacted]'. The agent stated that if it showed that the disputed May 25th payment caused an overdraft fee, we would cover that cost.
Given this information, and as a gesture of goodwill for Ms. [redacted]'s recent difficulties with us, we will honor the proposal this agent made to cover the overdraft fee. To expedite, she should fax a copy of the bank statement showing the fee to [redacted], Attn: [redacted].
The agent did not state that the actual payment could be reversed back to her account, and we remain unequipped to do so; Ms. [redacted] should continue to work with her bank to this end.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah

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, 8, 2016/03/08) */
CONFIDENTIAL COMMUNICATION
March 8, 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.
Our records indicate an order was placed on our website on December 3, 2015 for the Amouria Diamond 10K White Gold Diamond Fashion Pendant. Shortly after placing the order, Mr. [redacted] contacted our Customer Service Department and requested to cancel the item as Mr. [redacted] wanted the item to be shipped to his work address instead of his home address. The agent cancelled the order and Mr. [redacted] replaced the order with the shipping address updated to his work address.
Our Credit Risk Department was unable to verify Mr. [redacted]'s work address and due to the significantly large dollar amount of the order, the Credit Risk Department requested the order to be cancelled and a letter was mailed to the original address we have on file for Mr. [redacted] advising him of the cancellation attempt and requesting him to contact our Credit Risk Department to verify the order. While the order status updated to a cancelled status, we were notified from our vendor that the order was already shipped and could not be cancelled. Per the UPS tracking number, [redacted], provided to us by our vendor the pendant was delivered to Mr. [redacted]'s work address on December 8, 2015. A manual billing was created for the pendant based on the tracking information we received from our vendor.
We have not received the return of the pendant. We have also verified with our vendor that they have not received the return of this item. In order for us to continue our investigation we are requesting the UPS tracking number and date the package was returned or a copy of the return receipt. Mr. [redacted] can send a copy of the receipt to Fingerhut Attn: Becky [redacted] Saint Cloud, MN 56303 or via fax: [redacted] Attn; Becky. Once received we will further investigate Mr. [redacted]'s concerns.
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (3000, 10, 2016/03/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The package was handed back to the UPS drive for return sending. It is not my fault, problem, or responsibility to correct your vendor's lack of competence or to track a package I should not have received. I will be contacting a lawyer immediately if this is not rectified and will notify the proper credit agencies of the fraudulent charges made on a credit account in my name without proper authorization.The Revdex.com should not except this answer from this customer either as these are unfair business practices that improperly lay a significant burden on a potential customer because a lack of proper handling between the company and its vendor. This is not my fault and my credit WILL NOT be adversely impacted by this without legal consequences.
Final Business Response /* (4000, 12, 2016/03/15) */
CONFIDENTIAL COMMUNICATION
March 15, 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 further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate that Mr. [redacted] placed the original order on our website and requested the item to be shipped to his home address. Mr. [redacted] contacted us by phone and cancelled the original order and, per his request, another order was placed and shipped to his work address. At no point did Mr. [redacted] request the order that was shipped to his work address to be cancelled.
As stated previously, per the UPS tracking number [redacted], provided to us by our vendor the pendant was delivered to Mr. [redacted]'s work address on December 8, 2015. The package was signed for by [redacted] at 1:16 PM. Mr. [redacted] verified that he did receive the package and that he returned the package through UPS. When Mr. [redacted] returned the package, he should have received a receipt and/or a tracking number for the package. We cannot issue credit for an item that we have not received.
We strongly suggest that Mr. [redacted] contact UPS for further assistance regarding the tracking or whereabouts of this order.
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
Final Consumer Response /* (3000, 14, 2016/03/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It is not my job to reach out to anyone about something I did not order. Your company is lazy. This is between you, your vendor, and UPS and is not my problem. I have contacted legal representation and the appropriate credit bureaus. This is totally unethical. How dare you charge someone for something they did not order? If you check your records, the order was cancelled because you told me you could not ship it to my job so I didn't want it and made an alternative purchase for my wife's gift. I WILL NOT PAY FOR THIS BECAUSE I DON'T HAVE IT. Also keep in mind, I am suing you for damages, as well as time spent, and impact on my credit report for this lie even being reported to the bureaus. Your company is unethical.

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!

I would not recommend ordering any electronic phones from Fingerhut. I have had to have a Samsung galaxy note 2 replaced twice within 2 1/2 months, for being defective. We have tried to resolve this issues, several times, with no solution resolved.

Initial Business Response /* (1000, 5, 2014/07/02) */
CONFIDENTIAL COMMUNICATION
July 2, 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 [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
I have reviewed calls from June 27, 2014 and was unable to substantiate Ms. [redacted]'s claim that she was yelled at, hung up on and called a derogatory name.
Ms. [redacted]'s monthly billing statement dated May 26, 2014, indicated a minimum monthly payment of $16.99 due June 22, 2014. Ms. [redacted] is correct that she did make a $50.00 payment on June 26, 2014 this payment did post to her account on June 26, 2014 resulting in a late fee.
I would also like to explain that 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 will phone our customers with payment reminders when a payment is not received by the due date.
Our records indicate that as a courtesy, a credit was issued to Ms. [redacted]'s account for the late fee on June 27, 2014.
After careful review of Ms. [redacted]'s account, our records indicate that no negative information was reported to the credit bureau regarding Ms. [redacted]'s account in relation to this matter
Ms. [redacted]'s monthly billing statement dated June 26, 2014, indicates a minimum monthly payment of $33.98 due July 22, 2014.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ca

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

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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

this company fingerhud has reported negative on my credit report I payed on time payments with them and never was late they told me they will report to my credit good but they reported negative do not sign up with this company

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
 
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

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

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

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.

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

Initial Business Response /* (1000, 8, 2015/03/24) */
CONFIDENTIAL COMMUNICATION
March 19, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]- [redacted], [redacted]
Dear Ms....

[redacted],
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
I want to clarify with Ms. [redacted] that this is a revolving account and as such, there is a required minimum amount due each month. A customer can pay more than the minimum amount due, but it will be applied to the month in which it was received.
Reviewing Ms. [redacted] statements we see that on August 8th, 2014 is when the first late fee had taken place on her account. The minimum due was $17.99. We did not receive a payment until August 28th, 2014.
Late payments have been continuous since August 2014 to February 2015.The last payment we had received was on February 20th, 2015. A payment was due on, January 20th, 2015 in the amount of $27.96.
Because the above payments were not received in full, Ms. [redacted]'s account became past due. This explains why she was receiving letters from our Payment Department. Ms. [redacted]'s account also accrued late fees. Late fees accrue when a payment is received past the scheduled due date or the payment received does not meet the required amount due.
When a payment is not received or is not the correct minimum amount due as indicated on the monthly billing statement, the minimum payment due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed.
Our customers are very important to us and we strive to assist and satisfy them. I trust with this explanation we have done so with Ms. [redacted]. Thank you for allowing us to explain
Sincerely,
[redacted]
Executive Care Team
VF/CC

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

Initial Business Response /* (1000, 8, 2014/03/28) */
CONFIDENTIAL COMMUNICATION
March 24, 2014
Revdex.com of Minnesota
Attn: [redacted]
220 South River Ridge Circle
Burnsville, MN 55337
# [redacted]
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 Account.
We want to clarify that this is a revolving account and as such, there is a required minimum amount due each month.
Mr. [redacted]'s account had accrued several late fees. Late fees accrue when a payment is received past the scheduled due date or the amount received does not meet the required amount due.
As stated in the Terms and Conditions of Mr. [redacted]'s account under the "Reporting and Monitoring" section 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. "
After careful review of Mr. [redacted]'s account, our records indicate we are reporting his 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.
Our records indicate that Mr. [redacted]'s WebBank/Fingerhut Credit Account was sold to CompuCredit/Jefferson Capital on December 10, 2010. Because the account is sold, Mr. [redacted] must work with them regarding the balance owed to them. He may contact CompuCredit/Jefferson Capital at [redacted].

Thank you for allowing us to explain.
Sincerely,
[redacted]
VF/rsh
Initial Consumer Rebuttal /* (3000, 10, 2014/04/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They have reported the trade-line twice to my Equifax and Transunion credit report. It is a common abuse when Fingerhut has ignored the special rules designed to make certain that debts are tracked and identified as a single obligation
as they are transferred from holder to holder. So they are blatantly violating FCRA rules and reporting the same debt twice.
Every time they communicate with me they are very vague and confusing. In their response they talk about "Terms & Conditions", "Late Payment" however they do not have any paperwork to substantiate their claim if I ever even signed and/or agreed to their alleged "Terms & Conditions". Any communication that "can be reasonably read to have two or more different meanings, one of which is inaccurate" is deemed deceptive under FCRA.
Based on the facts and the inability of Fingerhut to provide credible and verifiable evidence, it leads consumers like me to believe that they are involved in a grand scheme of deceptive and fraudulent trade practices.
I will be reporting them to the Office of the Comptroller of Currency, Customer Service Group as well as to the Consumer Financial Protection Bureau. They will be investigated for their unscrupulous activities until and unless they delete this unsubstantiated trade line from my credit reports.