Bluestem Brands, Inc.

Initial Business Response /* (1000, 5, 2015/08/14) */
CONFIDENTIAL COMMUNICATION
August 12,
Revdex.com of Minnesota #***
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms
***,
I am writing in response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Mr*** claims that he used a promotion code to take advantage of a discount offering no payments until NovemberOur records do not show that this promotion code was utilized when the NuWave Pro Infrared Oven with Digital Controls order was placed online on July 18th,
Records indicate the account was delinquent before this order was placed, meaning the customer had a previous balance he was responsible for as well as the amount for the new purchaseThe delinquency caused late fees and an increased minimum due on the accountThe available credit has also decreased, as a result
The minimum amount due on the account is now $81.98, due by August 20thOnce this amount is paid, the account will be current and up to date
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm
Initial Consumer Rebuttal /* (3000, 7, 2015/08/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did in fact use the promo code at checkout and it said "accepted"I would not have ordered otherwise moreover, the nuwave doesn't even work I put a tv dinner in there at full power HI setting for minutes and it was still frozen, we ended up cooking it for additional minutes in the stoveThey are more than welcome to take there crappy newwave back and reimburse me the money for the warranty thenThey are liars and it's not the first time we got something broke from them the tablet dell venue they gave my wife was broke it glitched on severall websites with black squares showing up blocking screen parts and the tablet would reset itself every to minutes or so so my wife got pissed when she was playing a game and it would resetSo we sent the tablet dell venue to assurion and they fixed it and sent it back to us they said they had to replace the D.IGor something like that for the display in itYou can check into this too and see for yourselfThey seem to sell defective or broken st and we are quite frankly tired of it and will not be shopping at fingerhut nomoreOrder#:
***
Order date:
11/28/
SR Number: ***
"Product Protection Team"
Thursday, January 29, 12:PM
Your repair has been completed and we are shipping your tablet pc to the address below:
*** ***
BLEVINS AVE
ELIZABETHTON, TN
To keep track of your shipment, please wait hours, then visit www.ups.com and enter your tracking number:
***
Remember, we're here to help
If you have any questions or concerns about your claim, give us a call at ***
Regards,
The Fingerhut Service Plan Team
Service by Asurion

Initial Business Response /* (1000, 5, 2014/07/18) */
CONFIDENTIAL COMMUNICATION
July 18,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing
in response to the inquiry that we received from your office on behalf of *** *** regarding a WebBank/Fingerhut Advantage Credit Account
Ms***'s account indicates she placed an order for a HP 15.6" 4GB Notebook with HP All in One Printer via the website on November 5,
Our records indicate Ms*** did contacted us on January 9, to inform us that she did not receive the HP 15.6" 4GB Notebook
When a customer states they have not received the merchandise ordered, Fingerhut has policies and procedures in place in order to conduct an investigationThe notes on Ms***'s account indicate we sent her an affidavit of non-receipt of merchandise on January 9, to complete and return to us
Our records indicate we received the affidavit and an investigation was completed but her claim was denied at that timeA letter was sent to Ms*** on January 29, that due to the substantial monetary value of the order, to file a police report, making sure to provide us with a copyTo date, we have not received the police report or any information pertaining to it
After further review and consideration we have issued a credit for the B HP 15.6" 4GB Notebook
Ms*** will see these credits on a future billing statement
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ca

Initial Business Response /* (1000, 5, 2014/06/13) */
CONFIDENTIAL COMMUNICATION
June 12,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing
in response to the inquiry that we received from your office on behalf of *** *** regarding a WebBank/Fingerhut Advantage Credit Account
Mr***'s account reflects he placed an order via the web on March 19, for the Timberland PRO 6" Soft Toe Boot WideOur United Parcel Services (UPS) tracking results indicate that the boots were delivered on March 24,
Our records indicate Mr*** first notified us that he did not receive his order on March 24, His account is noted on this same date that an affidavit of "non-receipt of merchandise" was mailed to himOur next documented contact with Mr*** was on April 9, 2014, he informed us he did not receive the affidavit and another one was sent to him on this date and on May 12,
We received the completed affidavit and a credit for the merchandise and shipping/handling was issued to Mr***'s account on June 2, 2014, the late fees and SafeLine fees were not credited as it should have been in this caseWe have now issued credit for these feesMr***'s now has a zero account balance as of June 12,
Additionally, we have updated the information on Mr***'s account to the credit bureaus and advise it may take up to sixty days for the update to processWe sincerely apologize to Mr*** for any inconvenience this issue may have caused
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ca

CONFIDENTIAL COMMUNICATION
"">
May 13,
Revdex.com of Minnesota #***
Attn: Ms*** ***
SRiver Ridge Circle
Burnsville, MN
Re: Mr*** ***
Case #: ***
Dear Ms***,
I am writing in response to an inquiry received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut credit account ending in ***
Mr*** states that his WebBank/Fingerhut credit account was not included in his bankruptcy and should not be reporting negativelyMr*** is requesting to have the derogatory remarks removed from his credit report
Our records indicate, a WebBank/Fingerhut credit account ending *** was opened when an application for credit was processed online July 13, in the name *** A***
According to public record, Mr*** filed Chapter bankruptcy on August 24, Fingerhut was notified by the courts and updated Mr***’s account to Closed due to Bankruptcy on November 1,
On March 28, 2013, Mr*** attempted to order a Scosche iPad Black Leather Textured Folio Case using the first Fingerhut credit account ending in ***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***’s name which was approved for a Fingerhut FreshStart Installment Loan account ending in *** upon receipt of a $down paymentAn order was placed online the same day for a Scosche iPad Black Leather Textured Folio Case
On June 9, 2013, Mr*** graduated into a second WebBank/Fingerhut credit account ending in An order was placed for a Honeywell True HEPA Quietcare Air Purifier with a year Service Plan
According to public record, Mr***’s bankruptcy was discharged on January 21, and the case was closed on April 1,
Based on an account review on May 11, 2016, Equifax, Experian and Trans Union are reporting Mr***’s account ending in *** accurately as Closed Due to Chapter Bankruptcy with a zero balance and past dueIn 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, (Ref: ***)
The bureaus are also accurately reporting the Fingerhut FreshStart Installment Loan account ending in *** and second Fingerhut credit account ending in *** 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 reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Mr***’s Welcome PacketIt 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*** 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 ***
Executive Care Team
KD/sjj

Initial Business Response /* (1000, 5, 2015/08/17) */
CONFIDENTIAL COMMUNICATION
August 14,
Revdex.com of Minnesota # XXXXXXXXXX
*** S *** *** ***
*** ** XXXXX
Re: Case # *** ***, ***
Dear Ms***
I am
writing in response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records confirm an order was placed on September 20, for a Breville Speed Juice Fountain for $The item was then returned on October 28, 2014, and the account was credited $which was the full cost of the item, minus the shipping and handling
As our return policy states, "The original Shipping and Handling is nonrefundable if your item is not damaged or defective or in the case of a shipping error." This item was returned due to Mr*** not liking the productFor this reason, he would have been responsible for the shipping charges
When an order is shipped a billing statement is generatedOur records indicate that the first billing statement was printed and mailed to Mr*** on September 28, with a minimum payment due by October 17, We did not receive a payment from Mr***According to the terms and conditions that Mr*** agreed to when he opened the account, late fees may be assessed if the minimum payment due is not received by the due dateBecause the payment was not received, Mr***'s account became past due
Our records indicate that due to severe delinquency, Mr***'s Webbank/Fingerhut Advantage Credit Account was charged off on April 24, 2015, with a balance owing of $113.43, and then sold to *** on May 28,
For any further assistance Mr*** should need regarding this debt, he should contact *** at X-XXX-XXX-XXXX
Thank you for allowing us to explain and assist
Sincerely,
** ***
***
VF/KS

Initial Business Response /* (1000, 5, 2014/08/20) */
CONFIDENTIAL COMMUNICATION
August 20,
# XXXXXXXXXX
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear *** ***
I
am writing in response to the inquiry that we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
We sincerely apologize for the unacceptable service Ms*** received while speaking with one of our phone agentsAs a reassurance, we have pursued her claim as outlined in the inquiry, including being hung up onIt is vital that our agents adhere to our quality standards with each and every customer interaction
We have found and listened to the recording of the telephone conversation in question between Ms*** and our agentMs*** asked about the possibility of receiving a credit line increase, and the agent provided her with accurate information in response(To reiterate to Ms***, her account is systematically evaluated up to ten times a year for a credit line increaseAt this time, it does not qualify for an increase, but she will be notified by mail when and if an increase is issued.) When she clarified with the agent that Fingerhut does not accept credit line increase requests outside of its standard procedure, Ms*** requested to speak with a supervisorThe agent complied with her request, but unfortunately and abruptly placed her call on hold without the courtesy of notifying her of this or asking her permissionWhen the agent returned, Ms*** explained that she did not appreciate being put on a hold in that manner, and the agent replied there was no supervisor available but he could request to have one call her backMs*** said she would continue to hold, and immediately upon asking the agent for his name, the call was terminated
Our procedures require that agents notate the customer's account any time a customer contacts them by telephoneRegrettably, the agent did not make a note about this interaction, and that resulted in further confusionIt also explains why the supervisor with whom Ms*** later spoke to about this phone call was unable to locate any details pertaining to the call
We would like Ms*** to know that we have already taken action to properly coach the agent in question to fully adhere to company procedures and servicing standardsWe are committed to ensuring our agents avoid any instance of causing a customer to feel they are not being listened to or, even worse, mistreated
Total customer satisfaction is a goal we strive daily to achieveWe appreciate Ms*** bringing this matter to our attention as it allowed us the opportunity to ensure we have met this goal with her
Thank you for allowing us to explain
Sincerely,
** ***
***
VF/ah

Initial Business Response /* (1000, 6, 2015/11/25) */
CONFIDENTIAL COMMUNICATION
November 25,
Revdex.com of Minnesota # ***
Attn: ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***,
***
Dear Ms***,
I am writing in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate on July 23, Ms*** purchased a Clean Spin Mop with Press Handle with a Year Service PlanOn November 13, Ms*** requested the warranty information for the mopOn November 18, Ms*** informed us the product was brokenWhile customer satisfaction is very important to us, we do require returns to be made in accordance with our Return Policy, which states:
"We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are non refundableComputers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchanges or accept returnsOther product concerns must be handled under the manufacturers' warrantySoftware and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanges are permitted for the identical product only."
As stated above when Ms*** purchased the mop she also purchased a Year Service Plan which begins on July 26, This Service Plan is though NEW (National Extended Warranty), she may contact them at ***Her warranty contract number is ***
For all concerns with the product we recommend Ms*** contact the products manufacturer, Viatek Products, at ***
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 8, 2015/11/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I contacted manufacturer already and had to leave a message n no responsethe extended service plan company said they do not cover mops and I was sold a extended service plan errounsleyI placed the gentleman name in the original report
I should ask finger hut for a refund on the extended warrant
at this point I just want my mop exchanged with fingerhutmy credited back
If this can't get fixed I will take further and I would choose not to do business with them anymore
Final Business Response /* (4000, 10, 2015/12/07) */
CONFIDENTIAL COMMUNICATION
December 3,
Revdex.com of Minnesota # ***
Attn: ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the further inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
As we have previously stated, Ms*** will need to contact the manufacturer, Viatek Products, at *** for all issues concerning the mop
The warranty she purchased with her product begins on July 26, with NEW (National Extended Warranty)Until that date, Ms*** will need to contact Viatek Products
We have provided Ms*** with all the information we have availableFingerhut considers this matter closed
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS

CONFIDENTIAL COMMUNICATION
March 11,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River
Ridge Circle
Burnsville, MN
Re: Case # ***- ***, ***
Dear Ms***,
I am writing in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate an order was placed on November 20, We sincerely apologize for the inconvenience caused by the incorrect advertisement on our websiteWhen the ad error was reported the item was removed from our websiteOnce our investigation was completed, the correct image and description for product code NB29J was updated on our websiteTo ensure our customers have the most up to date information available, we use a direct link to the image on our websiteDue to the image correction made on our website, the direct link in our emails and on Ms***'s account for that specific item will now display the updated image and description
In order for us to assist Ms***, we are requesting a copy of the printed email she received that shows the image of the safe and the description if possibleMs*** can send the requested information via email to [email protected] with Attn: Becky in the subject line; or via fax to *** Executive Care Team Attn: BeckyMs*** can also return the information via regular mail to Executive Care Team Attn: Becky *** *** ** Saint Cloud, MNOnce the information is received we will research further for complete resolution
Additionally, we are including a postage paid return label for Ms*** to use to return the Werner Step Ladder
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw

Initial Business Response /* (1000, 6, 2014/09/08) */
CONFIDENTIAL COMMUNICATION
September 4,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # ***- **, ***
Dear Ms***,
I am
writing in response to the inquiry that we received from your office on behalf of *** regarding the purchase on his WebBank/Fingerhut Advantage Credit Account
The order was placed April 04, for $plus the shipping and handling in the amount of $The total of the order was $
I apologize to Ms** for the dissatisfaction with the Marcy Cardio Mini-CycleFingerhut offers a in-home trial period on all products for our customer's satisfactionAs it is outside of that timeframe, I have authorized an exception for this return up to days from the day she received the itemI have sent a postage-paid label to Ms**'s address which will allow her to return the item at no cost to her
According to the account information two payments were received on the account for less than the minimum amount due on the accountThese payments totaled $and were deducted from the balance at the time of receiptPer our policy, the minimum payment due on the account must be received and processed by the due date on the accountThe resulting balance on the account is $As an exception for Ms**, we have credited the two most recent late fees on the account for $and $
If Ms** has any additional questions she may contact our customer service department at ***
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/jw
Initial Consumer Rebuttal /* (3000, 8, 2014/09/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This item is not worth $that they are wantingI tried calling them on several phone numbers listed for Fingerhut and did not get a reply when I first received the itemI would get call from Fingerhut everyday more than calls a dayWhen I answered no one would talkNothingThe policy they have was to charge me triple what the item was worthThey only are taken off $and $out of $and want me to pay $The only thing I will except is the paperwork to return the item and I do not pay them anything more except what I have already paid them which is $I have copies of the checks I sent out and it was four totaly $not $as stated in *** letter
Thank You,
G***
Final Business Response /* (4000, 21, 2015/02/24) */
Re: Case # ***- **, ***
Dear Ms***,
I am writing in response to the further inquiry that we received from your office on behalf of ***
We received the Marcy Cardio Mini-Cycle as a return on September 23, and the account received credit for the full merchandise price
However, the original shipping/handling is non-refundable on return merchandise, and a return postage fee was deducted from the credit because it was sent back to us for a "non-qualifying" reason(An example of a "qualifying" reason would be in cases of a defect or damage not caused by the customer, which in most cases Fingerhut covers this cost.)
Consequently, the account continued to carry a balanceFor each month the minimum payment was not received by the due date, the account accrued a late feeIt also accrued interest according to the terms and conditions of the Agreement
We have decided to make an exception to our standard policyAdjustment allowances covering all shipping/handling costs, as well as all late fees and interest related to this matter, have been issued to the accountAs of the date of this letter, the account reflects a $balance
Additionally, we have updated the information on the account to the credit reporting agencies and advise to allow up to days for the update to process
Thank you for allowing us to assist and explain
Sincerely,
***
Executive Care Team
VF/ah

Fingerhut is an abusive companyMy account was sold to another company and Fingerhut claims repeatedly (and even with frustration towards me) to have relinquished all dealings with the account, yet, they reserve the write to make negative comments on a credit report and to not update their website as paid in full when the case is that the credit account is paid in full with proof from the account holderWhat law and where is it stating that a company who does not own an account has the write to enforce rules in relation to that account upon the consumer? This is bullyingThere is evidence of payment and the account doesn't belong to FingerhutWhy does Fingerhut reserve the right to do anything to the account when they've repeatedly told me that they have released all their rights to the new account holder? What a mean-spirited company

CONFIDENTIAL COMMUNICATION
March 24,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River
Ridge Circle
Burnsville, MN
Re: Case # ***- ***, ***
Dear Ms***,
I am writing in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate an order was placed for a Fitbit Flex Wireless Activity and Sleep Wristband on March 9, On March 17, Ms*** contacted our Customer Service Department and advised the agent of the error message she received when she attempted the registration/set up process for the FitbitThe agent completed an exchange for the Fitbit per Ms***'s requestThe exchange order shipped on March 18, and according to the tracking information will be delivered by March 25, If Ms*** no longer wants the exchange, it may be possible to refuse delivery of the itemIf Ms*** is unable to refuse delivery of the shipment, she may use the return label that accompanies the product
We are actively investigating the concerns Ms*** brought to our attention in her complaintCustomer satisfaction is very important to usWe are requesting that Ms*** return the original Fitbit she receivedA postage paid return label has been mailed directly to Ms***Please allow up to days to receive the return labelOnce Ms*** returns the item please allow up to days for the return to be received and processedThe credit issued for the return will be reflected on a future billing statementNo credit can be issued until the return has been received
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw

CONFIDENTIAL COMMUNICATION
May 31,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms*** ***
Case #: ***
Dear Ms***,
I am writing in response to a second inquiry received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Credit Account
Ms*** states in her complaint that, even though she made a settlement payment of $on April 8, which was the full amount of what the collection agency offered her, she is still receiving collection callsMs***’s desired resolution is to remove the account from her credit report.
As stated in our initial response, the WebBank/Fingerhut credit account ending in was opened on September 12, when an application for credit was processed online
The first order was placed on September 27, for a Magnavox 24" 720p LED TVThe merchandise was shipped by UPS Ground to the address provided on the application
Two payments were received on this accountThe last payment of $was received online November 27, with a checking account ending in The unpaid balance of $1,charged off on June 29, and the account was sold to Jefferson Capital on August 4,
An account review on May 20, 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 reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Ms***’ Welcome PacketIt 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
On May 23, Jefferson Capital confirmed that Ms***’ account was updated to a settlement statusIf Ms*** has any additional questions or concerns, she must contact Jefferson Capital directly at ###-###-####
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sjj
*** ** *** ***

Initial Business Response /* (1000, 5, 2014/06/30) */
CONFIDENTIAL COMMUNICATION
June 25,
Revdex.com of Minnesota # ***
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms*** ***
Case #: ***
Dear Ms
***,
I am writing in response to an inquiry received from your office on behalf of Ms*** ***,
regarding her WebBank/Fingerhut Advantage Credit Account
I sincerely apologize to Ms*** for her account not being closed when she requested it on June, 19, 2014, via email
Per Ms***'s request, we have closed her account effective June 25,
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/mhp

Initial Business Response /* (1000, 6, 2014/08/27) */
CONFIDENTIAL COMMUNICATION
August 26,
Revdex.com of Minnesota # XXXXXXXXXX
Attn: *** ***
SRiver Ridge
Circle
Burnsville, MN
Re: Mr*** ***
Case #: XXXXXXXX
Dear Ms***
I am writing in response to an inquiry received from your office on behalf of Mr*** ***, regarding his WebBank/Fingerhut Advantage Credit Account
Mr***'s account reflects two orders, both placed via the web
The first order was placed on October 21, 2013, for a PSBlue Lava Glow Wireless ControllerWe received this item as a return on November 15, Mr***'s account was credited for the merchandise price minus the return shipping fee
To clarify to Mr***, on the postage paid return label he used, it clearly states a customer will be charged for the return shipping cost if the item returned was for a "non-qualifying return reason"A return shipping fee was deducted from the return credit on the wireless controller because it did not meet the "qualifying return reason"
The second order on Mr***'s account was placed on October 22, 2013, for a Sterling Silver Princess Cut Personalized CZ RingWe received this item as a return on December 28, Per our return policy on personalized items, no credit was issued for this itemA letter was sent to Mr*** on December 31, 2013, to advise he needed to contact us by January 31, 2014, if he wanted the ring returned to himWe did not hear from Mr*** with in the requested time frame so the ring was disposed of on February 11,
Fingerhut's Return Policy:
We will issue an exchange or refund for most items returned in new condition within days (days for Fingerhut Choice Plus members) of receiptNo returns will be accepted after the home trial period without prior return authorization from FingerhutReturns accepted after the home trial period may result in prorated cash or credit adjustments based on the age and condition of the productReturns will not be accepted for credit after daysOther product concerns must be handled under the manufacturer's warrantyShipping and handling charges are non-refundableReturn postage is the responsibility of the customer
Music, movies video games and software must be returned unopened with the factory seal intactExchanges are permitted for identical product onlyComputers, camcorders, digital cameras, electronic game systems, air conditioners, Holiday decorations, heaters and generators must be returned within the 30-day home trial periodProducts sold in sets must be returned as sets; partial returns will not be acceptedPersonalized Products, Made-To-Measure Window Treatments may only be returned for credit if they are damaged or defectiveExchanges are permitted for identical product onlyGift cards cannot be returnedOther restrictions may apply
Mr***'s account was sold to an outside collection agency on July 1, and due to this, he will need to contact Midland Credit Management at X-XXX-XXX-XXXX for further assistance
Thank you for allowing us to explain
Sincerely,
** ***
***
VF/mhp

Initial Business Response /* (1000, 10, 2014/07/16) */
Contact Name and Title: ***, CSR
Contact Phone: ***
Contact Email: ***@bluestembrands.com
We sent a return label to pay for the return of merchandiseWe have received the item back and credited
consumers account in fullWe have sent information to her employer to ensure no payments are deducted from her paycheck
Initial Consumer Rebuttal /* (3000, 12, 2014/07/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did not receive any return labelInstead I refused the package and sent it back to Post Office unopenedThere was a deduction on my last paycheckThe controller's office already deducted it and sent them the check for $on the first week of July They said it was too late to stop itI emailed the company back explaining this and showing them a copy of my paycheckUntil I receive a refund check is when I close this caseThank you
Final Business Response /* (4000, 14, 2014/07/25) */
We have reached out to consumer to verify payroll deduction amount and mailing address so we can send her a refund checkAs soon as we hear back from her we will promptly refund her payment

CONFIDENTIAL COMMUNICATION
January 11,
Revdex.com of Minnesota
Attn: Ms*** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** ***
Case #: ***
Dear Ms***,
We are writing in response to a second inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut credit account ending in ***We have included a copy of the previous response dated December 29,
Ms*** states that her Fingerhut credit account was paid in full to *** ***l and Fingerhut is reporting incorrectly to the credit bureaus. Ms***’s desired resolution is to have the account marked as paid and a letter stating the account is paid
As we stated in our previous response, on August 24, 2012, an application was processed online using Ms***’s personally identifiable informationOn April 19, 2013, an order was placed online for a Barberry Queen 9pc Comforter SetThe merchandise was shipped via FedEx to the same address as on the applicationThe most recent purchase, totaling $83.98, was placed on May 31,
We have received multiple payments on this account from a checking account ending in *** shown in the name of *** ***The last payment, totaling $20.00, was received on November 7, The unpaid balance of $charged off on February 8,
The account was sold to *** ***l on February 27, Fingerhut no longer collects or owns the account
Since the account was sold to *** ***l, the payments made on March 4, 8, 13, 18, 25, and 27, and April 1, were received after the account was sold and have been forwarded to the account owner, *** ***l
According to an account review completed on January 4, 2017, Equifax, Experian and Trans Union are accurately reporting the account as “Transfer/Sold” and/or “Purchased by Another Lender” with a balance of zero
According to the letter included in Ms***’s rebuttal response it states in part, “*** *** *** *** received your payment on the above-referenced account in the amount of $on 06/29/This account will be considered paid in full upon non-reversal of funds.” Ms*** paid the account owner, *** *** *** ***, not Fingerhut.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our Terms and Conditions that was included in Ms***’s Welcome PacketIt 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*** still has questions about her account 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 Standard Time
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa
Enclosures

Initial Business Response /* (1000, 5, 2015/11/04) */
CONFIDENTIAL COMMUNICATION
November 4,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Mr*** ***
Case #: ***
Dear Ms***,
I am writing in response to an inquiry received from your office on behalf of Mr*** *** regarding his WebBank/Fingerhut credit accountEnclosed are a statement of account activity, credit application, the last three monthly statements and Terms and Conditions
Mr*** states that Fingerhut calls him numerous times a day requesting payment on his Fingerhut credit accountHe goes on state that he has emailed payment arrangements to bring the account up to dateMr***'s desired resolution is to have the phone calls stopped immediately and he will pay whatever he is able to send to Fingerhut
According to our records, an application for credit was processed online April 30, An order was placed online, that same day, for a LifeMax(r) Folding TreadmillThe merchandise was shipped by FedEx Ground to the same address as listed on the applicationThe latest order, totaling $129.96, was placed on November 3,
We have received several payments from a checking account ending and a MasterCard credit ending in showing the name of *** *** and *** C*** respectivelyThe last payment was received on October 30, for $
As of November 4, 2015, Mr***'s account is being reported with a balance of $and past due of $To avoid further late fees and collection activity, the minimum payment of $must be received by November 5,
Mr***'s account may also qualify for a payment plan if he is unable to pay the minimum dueHe may contact our Billing Department at 1-866-836-to discuss his payment optionsTheir hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Time
Please note when making a payment arrangement or a promise to pay, two conditions have to be met:
A scheduled date when payment is to be made
A dollar amount that is to be paid
Our records indicate Mr*** sent emails to Fingerhut on October 19, 2015, October 25, and October 30, which do not meet the above listed requirements for a payment arrangement or promise to pay
Also note 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 receivedOur Payment Department will phone our customers with payment reminders when a payment is not received by the due date
Based on the call logs associated with Mr***'s account, all outbound collection calls were attempted between the hours of 8am and 9pm Pacific TimeOur records also indicate Fingerhut never attempted to contact Mr*** more than six times in a day while his account has been in a delinquent status
If Mr*** wishes to cease further communication on the account, a written cease and desist request may be faxed to ***, mailed to***, StCloud, MN, or by calling ***
Please note, if a cease and desist status is placed on his account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desistA monthly statement will continue to be mailed
Mr***'s account would also be closed to future purchases and additional purchases on the account will not be allowedHowever, Fingerhut orders may be placed online using Visa, MasterCard, or Discover to pay for the order
Any outstanding balance will continue to accrue interest and you may be assessed late fees and Mr***'s account is still subject to the original terms and conditions of the Agreement
As a courtesy to Mr*** collection calls have been suppressed from October 27, to November 9, If payment arrangements are not made or a "cease and desist" has not been placed on the account by that date, collection activity may resume
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa
Enclosures
Initial Consumer Rebuttal /* (2000, 7, 2015/11/05) */
While I am a little satisfied that they company in question sent an email replying they will remove my phone number from receiving such courtesy reminders, my family members will reply they were not so courteous with their reminders
My younger brother *** received a number of calls within several minutes of each other even after he explained to the previous caller, I wasn't available and the message would be relayed
Also, if my year old mother would have had a heart attack or seizure, I would have sought further action against said company
I seriously started to wonder whether I was dealing with a company from a foreign country because they didn't seem to comprehend what my family members had told them
Calling an individual or individuals, constantly harassing them or family members is unacceptable in any business, personally owned or corporate wise
I expected a more formal apology for such harassment towards my family and myself even after I contacted them that I would be doing my best to meet the deadline
After being such a highly, valued customer for all those years, I can't wait to pay my balance off in full and tell them to remove my name from their mailing list and I guarantee I will try and help my other family members doing business with them to do the same, so they, too, won't receive such harassment as we have had the past few weeks, Even if I don't receive such an apology which I really don't expect to, my family members will hopefully be able to enjoy their days without such constant harassment again

Initial Business Response /* (1000, 5, 2014/02/28) */
CONFIDENTIAL COMMUNICATION
February 26,
Revdex.com of Minnesota # ***
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms*** ***
Case #: ***
Dear Ms
***,
I am writing in response to an inquiry received from your office on behalf of Ms*** ***,
regarding her WebBank/Fingerhut Credit Account
After a thorough investigation into this matter, we find the Ironman Inversion w/ Memory Foam was returned to the vendorWe sincerely apologize to Ms*** for the delay in credit being issued
We have issued credit to Ms***'s account on February 26, 2014, in the amount of $This order had a previous discount credit of $issued on July 3, Additionally, we have issued credit for the accrued interest in relation to this matterMs*** will see these credits on a future billing statement
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/mhp
Final Consumer Response /* (3000, 7, 2014/03/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I appreciate the refund but I want the full amount that was taken from my Fingerhut Credit - again someone is not reviewing my file correctly
The first order #*** ordered on 6/the amount charged was
Order Number: *** placed on 06/28/
Fingerhut Credit:
***
Amount: $
and YES, I did have a discount of
However when someone at your company shipped me another inversation table when I only asked for an address change and the item I had refused and you sent back, which you finally confirmed you recieved was charged the amount below
Order Number: *** placed on 07/01/
Fingerhut Credit:
***
Amount: $
NO DISCOUNT APPLIED
Again I'm asking for the full $which was charged to me and the interest I've paid on this amount since your error
Thank you
Final Business Response /* (4000, 9, 2014/03/13) */
CONFIDENTIAL COMMUNICATION
March 12,
Revdex.com of Minnesota # ***
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms*** ***
Case #: ***
Dear Ms***,
I am writing in response to further information received from your office on behalf of Ms*** ***, regarding her WebBank/Fingerhut Credit Account
After careful review of Ms***'s account we find that the $credit she received on July 1, 2013, was applied to the second order ending in #***This explains why we were only able to give the credit of $on the second return order
We have issued credit to Ms***'s account in the amount of $This brings the total credits to $We have also issued the accrued interest in relation to this matterMs*** will see this credit on a future billing statement
I sincerely apologize to Ms*** for any inconvenience caused by this issue
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/mhp

In my opinion, this is the worst company to get an account withI closed account paid in full, and now they want more for the SafeLine that was on the accountThis was stopped when account was closed per their customer services I would not recommend this company to anyone

They closed my account for NO reasonAccount was in excellent status and currentWhen I inquired about it they told me to fax a cease and desist letter to revoke the hold and they would re-open itThis has now been weeks since I faxed them the letterEach time since then when I inquired about it they told me someone would be in contact with me soonStill waitingIn addition, they will bait a consumer with a credit increase for a limited timeIf you don't use it they take it back which has a negative impact on your credit