Bluestem Brands, Inc.

CONFIDENTIAL COMMUNICATION
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August 5, 2016   Revdex.com of Minnesota                                                                            # [redacted] Attn:  [redacted] 220 S. River Ridge Cir. 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 her WebBank/Fingerhut Advantage Credit Account payment history.   Ms. [redacted] disputes that her account had been 33 days delinquent—as was reported by us to the credit bureaus—because she states her “payments were consistently made,” Ms. [redacted]’s proposed satisfactory resolution would be to refunded her part of the payment for her car seat in consideration of this error.   Our records confirm that Ms. [redacted]’s balance was paid in full with her $212.38 payment received on July 16, 2016. That balance was entirely related to her March 6, 2016 order of a Graco Nautilus 3-in-1 Car Seat.   Records show we received on-time payments from Ms. [redacted] until her June 9, 2016 due date when no payment was received. Ms. [redacted]’s monthly statement for her billing cycle ending June 13, 2016 was sent on the same date to the email on file of [redacted]@gmail. It reflected a minimum payment due of $32.98 by July 9, 2016 as it included the $14.99 still owing from June plus July’s new amount due of $17.99.   Records show we received Ms. [redacted]’s $32.98 payment on June 13, 2016, however as stated above, the 13th is the billing cycle close date. Please be advised that the closing date is the final day within the billing cycle, and payments received on that date are applied to the payment due that month—not the following month. As a result, Ms. [redacted]’s $32.98 payment did not satisfy July’s payment as it had been made while still within June’s billing cycle.  When no payment was received by the July 9, 2016 due date, a $32.98 late fee was assessed.   We have decided to make an one-time exception to our standard policy as a courtesy and have credited the late fee. A refund check for $32.98 has been sent to the address provided on the inquiry of [redacted] Anthony NM 88021, and Ms. [redacted] should allow up to 15 days from this response for it to arrive. In addition, an update request has been sent to the credit bureaus to remove the 30-day late payment. Please allow up to 60 days from this response for the update to process and reflect on Ms. [redacted]’s credit files.   Thank you for allowing us to explain.
 
Sincerely,   Vi [redacted]
Executive Care Team VF/ah

CONFIDENTIAL COMMUNICATION
 
September 29, 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 a second inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut FreshStart Installment Loan Account ending in [redacted].
 
Ms. [redacted] states she has reached out to [redacted] and faxed over her paperwork as requested and to date has not received a response. She further states she reached out to [redacted], shown as the account owner on her credit report, and requested she fax a receipt showing the account has been paid. She further states in 2013 she made a payment to [redacted] and is confused as to whom actually owns her account. Ms. [redacted]’s desired resolution is to know which company owns the account and have this company no longer sell her information.
 
We reached out to directly to [redacted] regarding Ms. [redacted]’s concerns and received the following response:
 
“We have investigated the complaint filed by [redacted]. This account is Paid in Full through [redacted]. It was reported incorrectly back to our office and the account was outsourced again in error. We apologize for the error. It has been placed in a restricted desk and will not get placed anywhere else. [redacted] never sold any account information to anyone. We do apologize for any inconvenience Ms. [redacted] may have suffered. We hope that this resolution meets her satisfaction.”
 
Thank you for allowing us to assist and explain.
 
 
 
Sincerely,
 
 
 
 
Kari [redacted]
Executive Care Team
KD/sa

I bought a refrigerator through them that took over three weeks to ship; I discovered it was sitting at a moving company about an hour away. Delivery was held because the moving company said they were paid too little to deliver to me until they had other reasons to visit my area. I canceled the order a few days after they missed the delivery date.
I had to do all the legwork, and while Paycheck Direct representatives were polite, their manager did not return my calls as requested. I have spent hours on hold and on the phone, and I have not yet received a refund from Paycheck Direct. Supposedly it is in process--it is about two months now. Don't deal with them!

Initial Business Response /* (1000, 5, 2015/11/19) */
CONFIDENTIAL COMMUNICATION
November 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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Mr. [redacted] states that he has had problems with the BLU Life Pro Unlocked Android Smartphone. We would like to get a new phone out to Mr. [redacted] as soon as possible.
We apologize Mr. [redacted] was informed that the BLU Life Pro Unlocked Android Smartphone phone was no longer in stock. We do have it in stock and it is available to Mr. [redacted].
We can send Mr. [redacted] another phone at this time, however his account would be charged for it and his account would not be credited until we received the defective phone as a return. In order to do this, he would need to call our order line at [redacted] to place the order.
Alternatively, Mr. [redacted] may return the phone and, once received and examine, a credit would be issued and a replacement would be sent.
We have sent him a prepaid label to return the phone. It may take 7 to 10 days for Mr. [redacted] to receive it. Once Mr. [redacted] has returned the phone, he should allow 10 days for us to receive and process the return. Once the return is received, a replacement will be sent to him.
We at Gettington always strive for an exceptional customer experience in all interactions with our customers, and we sincerely apologize for the poor customer service he experienced.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
Initial Consumer Rebuttal /* (2000, 7, 2015/11/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I have no problem with this. I just want them to hold up to what they have agreed to with the Revdex.com. This is what I wanted all along. Thank you for helping me with this matter.

Drapers and Damons somehow signed me up for a VIP program that ended up charging me $14.97 a month for 25 MONTHS before I caught it! They are refunding me for 12 months but said I signed up for a free trial when I bought something for my Grandmother two years ago. I did NOT knowingly sign up for anything like this! I simply bought something. I will NEVER buy from them again!

CONFIDENTIAL COMMUNICATION
 
August 24, 2016
 
Revdex.com of Minnesota                                   �...⇄
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN  55337
 
Re: [redacted]
Case #: [redacted]
 
Dear Ms. [redacted],
 
I am writing in response to an additional inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account.
 
Ms. [redacted] states her Fingerhut account was sold to [redacted] and [redacted] has issued documentation that the balance has been paid full. Ms. [redacted] is requesting that Fingerhut, as the original creditor, should make the corrections to her credit report that she is requesting or take their name off her account.
 
As stated in our previous response, Ms. [redacted] opened a Fingerhut account on May 5, 2014. Three orders were placed on May 5, 2014, May 14, 2014 and May 19, 2014.
 
Fingerhut did not receive any payments for the three orders placed on Ms. [redacted]’s account. On December 12, 2014, the account charged off with an unpaid balance of $456.23 and Fingerhut ceased collections.
 
Ms. [redacted]’s account was sold to [redacted] on January 15, 2015.
 
On January 15, 2015, Fingerhut reported Ms. [redacted]’s account to the credit bureaus as Purchased by Another Lender with a balance and past due of $0.00. Since that date, Fingerhut is no longer sending monthly reporting to the credit bureaus because Fingerhut no longer owns Ms. [redacted]’s account.
 
According to an account review on August 9, 2016, Equifax and Experian are reporting Ms. [redacted]’s account accurately as Purchased by Another Lender or Transfer/Sold with a balance and past due of zero. A representative at Trans Union confirmed that they have deleted the Fingerhut trade line.
 
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 further questions regarding her account, [redacted] can be reached directly at ###-###-####.
 
Thank you for allowing us to assist and explain.
 
Sincerely,
 
 
 
 
Kari [redacted]
Executive Care Team
KD/lg

Y'all have ruined our 2nd xmas with our boys! Canceling orders for no reason is not good business! And of course when you cancel it, the item is out of stock after. Also don't give codes for a free gift if you aren't going to send it.

Initial Business Response /* (1000, 5, 2015/06/17) */
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 inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Based on the information provided in the inquiry, it is clear that it was not filed by the account holder. In the interest of customer confidentiality, we will send a response directly to the customer.
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw

I am rejecting this response because:
I have already showed them proof that I contacted them before the 30 days. Also since I purchased the item from THEM, THEY should have taken care of the problem right away and let me return it, not made ME contact the manufacturer.

CONFIDENTIAL COMMUNICATION
 
Roman" size="3"> June 2, 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 Ms. [redacted] regarding a Fingerhut/FreshStart Account.
 
Ms. [redacted] states she cancelled an order on her FreshStart Account before the order shipped. She is wanting to have her $30.00 down payment returned to her and would like to close her account and destroy all record of her information.
 
Our records indicate Ms. [redacted] opened her account on May 19, 2016. Ms. [redacted] placed an order for a Madison Industries Matrix Sofa Furniture Cover on May 19, 2016. On May 20, 2016 her order was cancelled as a result of an email request from Ms. [redacted]. This order did not ship.
 
On May 22, 2016 Ms. [redacted] requested to close her account. On that same date her account was closed. She will be unable to use her account for future purchases.
 
Ms. [redacted]’s $30.00 down payment was returned to her credit card ending on 1475 on May 24, 2016.
 
Ms. [redacted] requests that her information be removed from our records. We will not be able to do this as we are required to retain records of the complete application process for 25 months after the notification is sent to the applicant.
 
Thank you for understanding and allowing us to explain.
 
Sincerely,
 
 
 
Vi [redacted]
Executive Care Team
 
VF/KS[redacted]

CONFIDENTIAL COMMUNICATION

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December 29, 2016
 
 
 
Revdex.com of Minnesota                                   �...⇄
Attn: Ms. [redacted]
220 S. River Ridge Circle
Burnsville, MN  55337
 
 
Re: [redacted]
Case #: [redacted]
 
Dear Ms. [redacted],
 
We are writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut credit account ending in [redacted]. We have included a statement of account activity and a copy of the Terms & Conditions.
 
Ms. [redacted] states that her Fingerhut account was paid in full prior to account being sold to another lender and the account is being reported incorrectly to the credit bureaus.  Ms. [redacted]’s desired resolution is to have the account report correctly to all three credit bureaus.
 
On August 24, 2012, an application was processed online using Ms. [redacted]’s personally identifiable information. On April 19, 2013, an order was placed online for a Barberry Queen 9pc Comforter Set. The merchandise was shipped via FedEx to the same address as on the application. The most recent purchase, totaling $83.98, was placed on May 31, 2013.
 
We have received multiple payments on this account from a checking account ending in [redacted] shown in the name of [redacted]. The last payment, totaling $20.00, was received on November 7, 2014. The unpaid balance of $370.24 charged off on February 8, 2015.
 
Please note once an account charges off, it is subject to be sold. The account no longer qualifies for payment plans or settlements; the entire balance is due.
 
Our records reflect that four payments made online February 10, 13, 17, 25, 2015, totaling $115.24, were insufficient to pay the account in full. The account was sold to [redacted]l on February 27, 2015. Fingerhut no longer collects or owns the account.
 
Since the account was sold to [redacted]l, the payments made on March 4, 8, 13, 18, 25, and 27; and April 1, 2015 were received after the account was sold and have been forwarded to the account owner, [redacted]l.
 
According to an account review completed on December 22, 2016, Equifax, Experian and Trans Union are accurately reporting the account as “Transfer/Sold” and/or “Purchased by Another Lender” with a balance of zero.
 
We cannot revise any 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 your 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 [redacted]l may be reporting, she may contact them directly at ###-###-####.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
 
 
Kari [redacted]
Executive Care Team
KD/sa
 
Enclosures

Initial Business Response /* (1000, 7, 2015/05/19) */
CONFIDENTIAL COMMUNICATION
May 19, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms....

[redacted],
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut FreshStart Credit Account.
Our records confirm a purchase was made to Ms. [redacted]'s account on March 5, 2015 for a Men's Personalized Stainless Steel Spinner Band. On March 17, 2015 the required $30 down payment was successfully made with a debit card ending '2728', and the order processed, shipped, and billed as normal.
On March 27, 2015 Ms. [redacted] accessed the live chat service on the Fingerhut website requesting to return the item, stating that it had a scratch on it. The chat agent authorized the return and sent a prepaid shipping label for her to use to return it. We received it as a return, and an account credit for the full merchandise price was issued on April 13, 2015; on April 15, 2015 the shipping/handling was likewise issued, and these credits equaled the total cost of the order.
Our records confirm that before we were able to issue a refund of the $30 down payment, Ms. [redacted] had already contacted her bank/debit card provider to dispute that payment. Our records further show that on April 17, 2015 Ms. [redacted]'s bank debited our account for the amount of the transaction ($30). Although we have 30 days to dispute these transactions, we did not dispute it, and allowed Ms. [redacted]'s bank to reclaim these funds without delay. We apologize for any conflicting information she may have been given regarding this matter.
As we are no longer in possession of these funds, Ms. [redacted] should contact her bank/debit card provider as to their internal processes and timeframes involved in depositing the funds back into her account.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 9, 2015/05/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Money was taken out of my account with my bank but was never refunded to my bank account. Statements shows money was never refunded.
Final Business Response /* (4000, 11, 2015/05/26) */
CONFIDENTIAL COMMUNICATION
May 26, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted].
We appreciate Ms. [redacted] providing a copy of her Prepaid Visa RushCard account activity statement covering the dates March 1, 2015 to April 30, 2015. It shows the $30 payment to us on March 17, 2015 as a debit, but it does not yet show a $30 credit from the payment reversal (chargeback) that was done on April 17, 2015.
As a courtesy, we found information that may be helpful in this regard on the RushCard website at: https://www.rushcard.com/faq/Making-or-Disputing-Purchases#purchase. The final question under the "Making or Disputing Purchases FAQs" section is, "How can I check the status of a dispute I filed?" The answer they provide states:
"Please allow a minimum of 60 days for the issue to be resolved. If you do not see a credit on your card account after that period of time, contact us at 866-RUSHCARD ([redacted]) 24 hours a day, 7 days a week, and a Member Services Representative will assist you."
Our records show that 60 days have not yet passed since Ms. [redacted]'s card provider initiated the chargeback on April 17, 2015. She should allow more time for the credit to appear per the above information.
Thank you for allowing us to assist and explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah

Worse possible company ever to purchase anything from. Fingerhut was perfect for the first purchase and credit limit. Once that purchase was made and I made a payment in full. Credit limit was reduced by over 300% because I paid it off in one payment. Even though they say that don't punish you for doing that. I was told to wait a few months and maybe they'll increase my limit. I told them to cancel and close the account. It is a bait and switch tactic to get you to buy something and then they take away after your first purchase the ability to buy anything else.

Initial Business Response /* (1000, 10, 2014/07/16) */
Customer placed order on June 12, 2014 and the order shipped the following day, June 13, 2014. Order was delivered on June 17-18, 2014. We spoke with customer via phone on June 30, 2014 and sent return postage to pay for return of an...

item she decided she did not want.
Initial Consumer Rebuttal /* (3000, 12, 2014/07/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The issue was primarily that when I tried to make contact with the company to check on the status of my purchase, I was never able to reach anyone! When I went online to see if I could check the status of my order that way, the site was shut down. This was very concerning since all of my personal financial information was given to a company and at that time I wasn't even sure if this company even existed! How would you feel? After several hours of looking for alternative contact numbers to speak to someone, I finally found a cell phone number online to a sales rep guy out of Texas. Although he had nothing to do with my order, I felt that was a start.He was so surprised that I was able to find his cell phone number. The gentleman was very helpful and got to the bottom of this complicated situation. Although I received my purchase within the next day or so, one of the items wasn't even what I ordered and even fell apart! There was at least 3 variances on the actual product that I received vs. what the catalog picture looked like. Upon reporting this to customer service, they were very understanding of my concern, yet expected me to pay for shipping to return the product, which would have been well over $50.00. At that point I made a reasonable complaint to the customer service manager and they agreed to send me a prepaid return label. Now I have to find a box big enough to return it! I don't think I will be purchasing through this company any more. It's too much of a hassle.
Final Business Response /* (4000, 14, 2014/07/25) */
We spoke with consumer and addressed each of her concerns. We are waiting to receive the merchandise she would like to return so we can credit her account. We consider this matter resolved.

Initial Business Response /* (1000, 5, 2014/10/24) */
CONFIDENTIAL COMMUNICATION
October 23, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am...

writing in response to the inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records support that an "overpayment" was made to Ms. [redacted]'s account, and it was reflecting a surplus credit balance of $51. The phone agent Ms. [redacted] spoke to about this matter on October 14, 2014 initiated the refund process following standard procedure.
Our method of refunding Ms. [redacted] is currently limited to a paper check sent via regular U.S. Mail. The agent correctly advised Ms. [redacted] to allow up to 30 days to receive her check (the timeframe set by the company and deemed reasonable given the factors involved), despite many customers receiving it sooner.
The records show her $51 refund check was mailed as of the date of this letter to her address on file of[redacted], Weatherford, TX 76086. We appreciate Ms. [redacted]'s cooperation and ongoing patience while awaiting its arrival.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2014/10/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have not received the check and Consumer Fair Trading A ct says they are not allowed by federal Law to not send a refund back within 10 days.
Final Business Response /* (4000, 9, 2014/11/03) */
CONFIDENTIAL COMMUNICATION
October 31, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry that we received from your office on behalf of Ms. [redacted].
It is our regulatory obligation to respond to a written request for a refund within seven days of receipt. We received Ms. [redacted]'s written request on October 15, 2014 via her first inquiry with your office. On October 22, 2014 we issued and mailed Ms. [redacted] her $51.00 refund in the form of paper check number [redacted].
As this occurred within the seven day timeframe, we maintain any obligations incumbent on us in regards to this matter have been met. If she has not already received it, we advise Ms. [redacted] to allow more time for her refund to arrive.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah

CONFIDENTIAL COMMUNICATION

"Arial",sans-serif; font-size: 10pt;">July 11, 2016                                      ...⇄ # [redacted]
 
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
 
Re: Case # [redacted] – [redacted]
 
Dear Ms. [redacted],
 
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a PayCheck Direct Account.
 
Mr. [redacted] states the bed she purchased from PayCheck Direct broke within three weeks of receiving the product. Ms. [redacted] contacted PayCheck Direct to stop payments from coming out of her paycheck, at that time Ms. [redacted] states she was told to return the merchandise. She claims she cannot afford to pay for packaging to return the defective product to PayCheck Direct.
 
Our records indicate Ms. [redacted] purchased a South Shore Platform Full Bed 54" Molding - White on April 26, 2016. Ms. [redacted] contacted PayCheck Direct on June 17, 2016 stating the product was broken. At this time she was provided the manufacturer, South Shore’s contact information if she had any questions regarding the product.
 
On June 22, 2016 Ms. [redacted] contacted PayCheck Direct a second time stating the product was damaged and she would like credit for the item and the payments to stop being withdrawn from her account.
 
The representative she spoke with on June 22, 2016 provided Ms. [redacted] with the correct information. Before we are able to discontinue the payments and credit her checking account, we will need to receive the product back from Ms. [redacted].
 
If Ms. [redacted] does not have a box large enough to return the merchandise, she may piece boxes together to create a box that is large enough to safely ship the product.
 
Ms. [redacted] can return the product to [redacted] St. Cloud, MN 56303. Once we receive the product back from Ms. [redacted] we will be able to credit the item and stop payments from being withdrawn from her checking account based on inspection of the product. The final determination of product condition and credit is subject to our inspection. The original shipping and handling is nonrefundable if the item is not defective or in the case of a shipping error.
 
If Ms. [redacted] has any additional questions she may contact PayCheck Direct at ###-###-####.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
 
Vi [redacted]
Executive Care Team
 
VF/KS

Initial Business Response /* (1000, 19, 2014/09/16) */
CONFIDENTIAL COMMUNICATION
September 16, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am...

writing in response to the inquiry that we received from your office on behalf of [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate that Ms. [redacted]'s account was closed at her request on September 12, 2014. We have also removed her address out of receiving our catalogs. Because our catalogs are printed in advance, she should allow 6 - 8 weeks for this request to process.
As of September 16, 2014 Ms. [redacted]'s account has a $0.00 balance.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ca

March 16, 2016
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to an additional inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account. Attached are a statement of account activity and the statements dated November 6, 2015 through March 6, 2016.
Ms. [redacted] states the balance on her Fingerhut account was $22.10 in November 2015 when she made her payment online. Ms. [redacted] further states Fingerhut did not attempt to contact her and she was unaware of a problem until February 2016. Ms. [redacted] maintains a representative agreed with her situation and told her that Fingerhut would correct the error on her credit report and credit the fees. Ms. [redacted] is requesting that Fingerhut honor what she saw online and what the representative said regarding her credit report.
According to our records, the balance on Ms. [redacted]'s account was $52.10 when her statement printed November 6, 2015. Ms. [redacted]'s account was current; she had not been charged any late fees since May 2015.
As previously stated, Ms. [redacted] made a payment of $22.10 on November 20, 2015 which left a balance of $30.00. When her statement printed on December 6, 2016, Ms. [redacted] was charged the minimum interest of $1.00 and .37 for SafeLine account protection. These charges brought her balance to $31.37.
Ms. [redacted] did not incur additional late fees until January 2016 and February 2016 which were credited as part of a payment arrangement made on February 26, 2016.
As stated in our previous response, in an attempt to resolve the past due on her account, Fingerhut began to call Ms. [redacted] on January 3, 2016. These calls continued until February 26, 2016 when the account was brought current.
Ms. [redacted] spoke with an agent on January 20, 2016, but according to our records, Ms. [redacted] said she was at work and ended the call.
Based on the available call recordings, we were unable to locate any documentation to support Ms. [redacted]'s statement that she was promised by a representative that prior delinquencies would be removed.
Ms. [redacted] was advised by an agent in the Credit bureau Department that the payment, two late fee credits and her current status would be reflected on her credit report on March 6, 2016.
The credit bureaus are reporting accurately as current with a balance of zero. The delinquencies for February 2016, and April 2015 to July 2015 are also accurate.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in 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 about her account regarding what has or has not been reported to the credit bureaus, please contact us at the address listed above or by calling us toll-free at [redacted], Monday through Friday 9:00am to 6:00pm Central Standard Time.
Thank you for the opportunity to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
Enclosures
(Account Activity_[redacted])

CONFIDENTIAL COMMUNICATION

May 19, 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].
As Mr. [redacted] maintains no continuity plans were ever authorized, Holsted Jewelry undertook another review of this issue, which included an exhaustive search of any and all of their records pertinent to it.

They advised that fraud indicators were found, and were sufficient to the extent required for their purposes and to substantiate Mr. [redacted]’s claim so that a full refund has been issued to him. The total amount of Holsted charges made to his account was $469.82. Allowing for the partial refund already issued for the two items they received as returns in July 2015 totaling $99.98, Holsted has issued the remaining amount owed to Mr. [redacted] of $369.84 as a refund back to his account.

The total accrued interest for the Holsted charges was $78.06, and this amount has also been credited. These credits have already posted to Mr. [redacted]’s account and will reflect on a future monthly statement.

As of this response, Mr. [redacted]’s current balance, which we maintain is fully accurate, is $950.62.

Thank you for allowing us to assist and explain.

Sincerely,


Vi [redacted]
Executive Care Team

VF/ah

CONFIDENTIAL COMMUNICATION
 
June 13, 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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
 
Ms. [redacted] states she does not know of a [redacted] and that the proof of payment she sent us only has her name, [redacted], on it. She believes we typed the account number incorrectly and credited the payment to the wrong person. Ms. [redacted] also states she doesn’t appreciate being on speaker phone with our company, in which she also heard someone at our company say “who cares” about her account. Ms. [redacted] requests we correct our error, credit her account, stop damaging her credit and do the right thing.
 
As previously stated, our records indicate the payment was sent to us with [redacted] Robert’s account payment stub, as attached in our previous response. We are unable to make an exception to the policies and procedures set in place for Fingerhut, which states we are unable to move payments that are sent to us with a specific account stub. Additionally, our records indicate that [redacted] has listed the same address on his account as [redacted]’ address.
 
We apologize that Ms. [redacted] overheard a representative make an unprofessional and unkind remark while on the phone with her. We take these complaints very seriously, as it is Fingerhut’s objective to provide exceptional customer service in all interactions with our customers. Any information Ms. [redacted] can provide regarding this incident would be helpful to us - such as date and time of the call, and/or representative’s name. Ms. [redacted] may call ###-###-#### to provide this information to us, and we can further investigate this matter further.
 
As previously stated, a minimum payment of $468.80 is due by June 15, 2016.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
 
 
Vi [redacted]
Executive Care Team
 
VF/jm