Bluestem Brands, Inc.

Initial Business Response /* (1000, 5, 2016/02/12) */
CONFIDENTIAL COMMUNICATION
February 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 Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate Ms*** purchased an alcove Nairobe 30-PcBedroom Super Set - Queen, a 3DS Lego Marvel Super Heroes, and a Nintendo 3DS LEGO Jurassic WorldThese items were shipped via UPS Ground with the tracking numbers ***, ***, and *** and were delivered on December 21,
On December 24, Ms*** contacted Fingerhut stating she did not receive her orderWhen a customer states they have not received ordered merchandise, Fingerhut has certain policies and procedures in place in order to conduct an investigationOn December 24, a legal affidavit was mailed to Ms***'s address (*** Pembroke Pines, FL 33025)
On February 2, Ms*** contacted Fingerhut stating she did not receive the affidavit, at that time she was advised to complete an affidavit online
As of today's date, we have not received the completed affidavit from Ms***
As we understand the severity and urgency of this situation, Ms*** may fax the completed affidavit to ***, Attn: KristinaOnce this is received we can further investigate this matter
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 7, 2016/02/22) */

CONFIDENTIAL COMMUNICATION
August 11,
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 a WebBank/Fingerhut Credit Account
Mr*** states that Trans Union has deleted the WebBank Fingerhut trade line from the credit report, but the trade lines are still reporting on both Equifax and ExperianMr***' desired resolution is for Fingerhut to delete the trade lines from Equifax and Experian
According to our records, an application for credit with Fingerhut was processed with Mr***' personally identifiable information on February 5, Mr*** was approved for a Fingerhut FreshStart account with a credit limit of $
The only order placed was on November 9, for a Skechers Women's Centennial Shoe Wide-Size 10, a Dirty Laundry Women's Pitch Suede Bootie-size 10, and a Lea Apparel Women's Marled Knit Sweater Coat - size 3xl
We referred Mr***' concern to our Credit Risk Department for further review and they determined that the account should be deleted from Mr***' credit bureau report for reason of fraud
On August 10, 2015, a request was sent to the credit bureaus to delete the remaining trade lines(Ref: ***) Please allow up to thirty days for the bureaus to update this information
A phone conversation with Trans Union confirmed that the Fingerhut trade line was deleted on December 24,
During our research, we were also able to locate an additional inquiry for credit in Mr***' name
On August 10, a letter was sent to Mr***' address of *** *** ***, Houston, TX notifying him that the inquiry on his credit report was referred to Equifax Credit Services, TransUnion L.L.C., and Experian Information Solutions, Incfor removal; please allow 60-days for the information to be removedAdditionally, Mr***' information has been marked for our system to instantly recognize, flag, and block similar attempts in the future, should they occur
If Mr*** has any further questions or concerns, he can contact the Fraud Department at ###-###-####Their hours are Monday - Friday 8:00am - 4:30pm Central Time
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/lg

Initial Business Response /* (1000, 5, 2014/05/22) */
CONFIDENTIAL COMMUNICATION
May 20,
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 Account
Mr***'s account was opened on June 12, when he placed his first orderThe item ordered on that date was a 10.1MP Digital CameraMr***'s account also reflects payments made on this order in form of a personal checkWe have reviewed these payments and find the information on the checks match the address listed on Mr***'s account
On May 20, 2014, we have closed Mr***'s account per his request
Additionally, we have added Mr***'s name to our permanent suppression list for mailings and advise the mailings should now ceaseHowever, we do advise that our catalogs are printed several weeks in advance and advise it may take to weeks for the mailings to completely cease
I sincerely apologize to Mr*** for any inconvenience this matter may have caused
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/mhp

ORD*** order Gettington placed 12/is lost, hasn't moved in over a week and they keep jerking me around and telling me a manager will call Nobody calls and anyone you speak with cannot help and gives a different story I want my $plus money refunded immediately, I already told Revdex.com *** *** ***

Initial Business Response /* (1000, 7, 2015/03/30) */
CONFIDENTIAL COMMUNICATION
March 30,
# XXXXXXXXXX
Revdex.com of Minnesota
Attn: *** ***
*** S *** *** ***
*** ** XXXXX
Re: Case # *** ***, ***
Dear Ms***
I
am writing in response to the further inquiry that we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate we received a mailed in order from Ms*** on March 5, At the time of the order being entered, the pcPan Set was not available to ship right awayOur records also indicate there were multiple shipping confirmation emails sent to Ms***We send a shipping confirmation email for each package that is shippedOn Ms***'s account, there were three shipping confirmation emails sentDue to all the items on this order being placed at the same time, all the items will be displayed on every shipping confirmation emailHowever, there is no tracking number shown for the specific item until it shipsThe tracking number is listed directly under the description of the item on the shipping confirmation email
On the original shipping confirmation email the only item that was shipped is the pcKitchen Basics Set with tracking number ***XXXXXXXXXXX and was delivered on March 12, The tracking number for the pcPan Set is ***5YWXXXXXXXX and was delivered on March 17,
Customer satisfaction is very important to usAlthough we make every effort to ensure we have stock available, there are times when an item is more popular than we anticipate or a shipment is delayed from our vendor and we apologize for any disappointment Ms*** may have experiencedAs an exception, we have credited the shipping and handling on the orderMs*** will see the credit on her statement printing on April 15,
Thank you for allowing us to explain and assist
Sincerely,
** ***
***
VF/bw
Initial Consumer Rebuttal /* (3000, 9, 2015/04/06) */
I finally got the pots and pan I ordered from Fingerhut...BUT...I did not get any skillets from them like I ordered...NO skillets have come at all...I am not paying for them since I never received them and the pots and pans have a higher price put on them when I received the bill..I will only pay what I ordered them for and not what Fingerhut has decided that they have sent me a bill forI am still not happy with Fingerhut and what they are doing to me
*** ***
***copied and pasted from email
Final Consumer Response /* (3000, 13, 2015/04/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did not get the skillets yet I am being charged for them....I want them taken off my bill along with the shipping charges, taxes and finance chargesI want a new bill sent reflecting thisI will not be paying for the skillets so there should be no bill whatsoever sent to me
Final Business Response /* (4000, 17, 2015/05/06) */
CONFIDENTIAL COMMUNICATION
May 6,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the further inquiry that we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Account
Our records indicate an order placed for a pcNonstick Aluminum Fry Pan Set on March 5, The order was delivered on March 17, at 12:PM by the Post OfficeWe apologize Ms*** did not receive the orderCredit has been issued in the amount of $for the cash price of this itemOn March 27, the shipping and handling for this item was credited in the amount of $We have also credited interest charges of $The credits for the interest charges and cash price of the item will be reflected on Ms***'s billing statement printing on May 15,
Thank you for allowing us to assist and explain
Sincerely,
***
Executive Care Team
VF/bw

Initial Business Response /* (1000, 20, 2014/09/25) */
CONFIDENTIAL COMMUNICATION
September 24,
# ***
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 Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
As stated in the inquiry and supported by our records, Mr*** borrowed against his Fingerhut Credit Account to order three individual gift cards, $each, on December 31, His account is noted that Mr*** did not contact us again about the gift cards until April 7, 2014, stating he never received them
On April 9, he was sent a letter providing all necessary and pertinent information about the three gift cards, including each gift card number, the available balance on each, and the address to which the cards had been mailedThe letter also explained that new cards could not be issued, but to retain the letter to use the gift card information it contained and they could still be utilized
On May 19, Mr*** spoke with a supervisor who correctly explained that the gift cards may be used on new purchases onlyOur policy prohibits using them as payment on a credit account or crediting them back to the accountAs a reminder to Mr***, our records show he has since used two of the three gift cards on his recent orders dated June 20, and June 26,
If he has not yet used the last remaining gift card, he may again apply it to a future order or give it as a gift to a third party who may likewise have it applied towards a new purchase
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 22, 2014/09/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I asked for my money back for unrecieved cards not the gift card numbers
Final Business Response /* (4000, 24, 2014/09/30) */
CONFIDENTIAL COMMUNICATION
September 29,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the further inquiry that we received from your office on behalf of Mr*** ***
To clarify to Mr***, our policy regarding Fingerhut gift cards states, in part, "Gift cards cannot be used as payment on a Fingerhut accountThere is a disclaimer on the back of the card advising 'for new purchases only'Gift cards cannot be returned for credit or exchange."
Our policies are applied equally and fairly to all customers, which is why we are unable to make an exception to grant Mr***'s gift card refund requestWe reminded him of the letter he received providing the numbers for the three gift cards because we wanted him to still be able to utilize them
Our records show, as previously stated, that he has already utilized at least two of the three gift cards on his previous ordersThe one remaining un-used $gift card cannot be refunded to Mr*** or credited to his account; it may only be applied towards a new order
We feel we have explained this matter fully and in detail to Mr*** and are now considering it closed
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ah

Worst company ever horrible customer serviceThey are a Rip of scameOur account started fresh our tv came to we paid off over time n they want to say we still owe ok were the money going to then also they don't understand English or basicly any thing

CONFIDENTIAL COMMUNICATION
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July 13,
Revdex.com of Minnesota #***
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** ***
Case #: ***
Dear Ms***,
We are writing in response to an inquiry received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity and Terms and Conditions
Mr*** states that he had a late payment and agreed to pay what he owed including the late feeHe further states Fingerhut reported him late, causing his credit score to go down and that he was not notified that his account was past dueMr*** is requesting that Fingerhut remove the late payment reporting from all three credit bureaus
Based on our research, the WebBank/Fingerhut credit account ending in *** was opened online September 14, with Mr***‘s personal identifiable informationAn order was placed over the phone on December 18, for a Marcy 100-lbECO Weight Set and a Marcy Flat/Decline Bench with Dumbell SetThe merchandise was delivered via UPS to the address provided on the credit application
According to our records there were no payments received from April 25, through July 7, This resulted in a thirty day late being reported to the credit bureausA payment of $made on July 8, brought the account to a current statusAs a courtesy, we have credited a late fee of $that was applied to Mr***’s balance on July 13, which will be reflected on his next monthly statement
Based on our research, Fingerhut sent notifications to Mr*** regarding the past due status of the account on April 8, 13, 18, 2016, June 8, 13, 18, and June 29,
As of July 13, 2016, Mr***’s account is current with a remaining balance of $Mr***’s next statement, which will be generated on July 28, will reflect his updated balance and minimum payment due
An account review on July 8, confirms Equifax and Experian, are accurately reporting the account as not more than two payments past due with a day past due for June TransUnion is reporting “Current” for the month of May and has not updated reporting for June which may take up to days.
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 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 we can be of further assistance, please contact our Customer Service Department at ###-###-#### Monday through Friday 8am to 8pm CST
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa
Enclosures

Initial Business Response /* (1000, 8, 2015/03/26) */
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 Freshstart Account
The Fingerhut FreshStart Program is designed to assist potential customers that don't currently qualify for a revolving WebBank/Fingerhut Advantage Credit AccountThis program is a closed-end installment loanThe customer makes a purchase that is within their assigned credit limit, pays it off in installment payments and then may qualify for a revolving credit account
I sincerely apologize to Ms*** for any confusion caused when making her down payment for her Fingerhut Freshstart Account order
We have reviewed the call that took place on February 6, 2015, Ms*** down payment had not processed through at the time of the orderThe representative informed Ms*** the down payment was set up to come out on February 18th, however, Ms*** did not want the down payment to come out on February 18th, She wanted to make her monthly payments on the 18th of every monthDue to confusion of the payment date, Ms*** requested for the order to be cancelledMs*** wanted to make sure the card would not run for the down payment, and wanted to be notified regarding any paymentThe representative at the time informed Ms*** she would receive email notification for cancelled order
Unfortunately we were unable to stop the payment from the card and the $down payment was still withdrawnA refund check was requested to be sent out on February 23, for the $down paymentMs*** should have received the refund check within days of that dateAdditionally, we apologize for the confusion regarding an email being sent about the order cancellationCurrently, emails are not sent out regarding thisThe representative misinformed Ms***, and we sincerely apologize
Our customers are very important to us and we strive to assist and satisfy themWe truly are sorry for the inconvenience and miscommunication Ms*** had on her account
Sincerely,
***
Executive Care Team
VF/CC

Initial Business Response /* (1000, 5, 2015/06/11) */
CONFIDENTIAL COMMUNICATION
June 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 confirm that the payments Ms*** references in the inquiry were all made using MasterCard credit card ending '***'In researching this matter further, we found that the owner of this card is a person other than Ms***
All of the payments made using this card have since been reversed ("chargeback"), which has been done at the behest of the bank/credit card company and not of our own volitionMs*** indicates that she did not request the payments to be charged back to the cardIf she has not done so already, we advise Ms*** to contact the owner of the credit card for more information, as the request likely came from that person
On June 5, a cease and desist was placed on Ms***'s accountNo 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
Her account is closed to future purchases and additional purchases on it will not be allowedHowever, Fingerhut orders may be placed online using Visa, MasterCard, American Express or Discover as payment
Any outstanding balance will continue to accrue interest and she may be assessed late fees as her account is still subject to the original terms and conditions of the Agreement
Thank you for allowing us to assist and explain
Sincerely,
***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2015/06/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I understand that the payments were made on credit card ending in *** which is owned by Mr *** ***Mr *** personally called Fingerhut to set up the payment with themThey say that the calls are monitored so there should be a copy of the conversation where he set up the paymentAlso Mr *** would not have been able to speak to a customer service agent without having my social security number which Fingerhut require when you call in to identify youI have contacted Mr *** as well as the bank who have notified me that the payments were authorized and although I have advised Fingerhut of this, the matter is still not resolvedAlso why were there payments but reversals (no one at Fingerhut has been able to explain this to me as yet)
Final Business Response /* (4000, 9, 2015/06/17) */
CONFIDENTIAL COMMUNICATION
June 16,
# ***
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*** ***
Our records agree with Ms*** that credit card ending '***' is registered in the name of *** ***We also agree that our policy allows Mr*** (or any third party) to use his card to make a payment on Ms***'s account as long as he meets our verification requirements
We were not suggesting in our previous response that the payments in question were reversed because they were made with Mr***'s card or because we thought he didn't authorize themWhat we intended to explain--and again emphasize--is that we did not make the decision to reverse the payments; that decision was made by the bank issuer of the credit card
Please understand that the bank issuer has debited our account and reclaimed the payments in question; as a result, we no longer have these funds and are unable to reapply them to Ms***'s account
We carefully reviewed our records, and found that a total of ten payments for $each were originally made to Ms***'s accountHowever, we found that a total of twelve reversals were done for $eachThe two extra reversals were an error and should not have been done, which is why we issued two credits for $each on March 12, to correct Ms***'s accountWe apologize for any confusion this may have caused
Having provided Ms*** with all information available to us, we consider this matter closed
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ah

Initial Business Response /* (1000, 5, 2014/06/11) */
CONFIDENTIAL COMMUNICATION
June 11,
# ***
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
Allow me to explain that Fingerhut is partnered with Holsted House, a provider of continuity programsA continuity program is a collection of products where the customer signs up for an initial product offering and is shipped and billed for subsequent products automaticallyFor example, a "coffee of the month club" where the product ships automatically and the customer is billed accordingly
I have listened to a taped acceptance for Holsted House JewelryMr*** phoned Holsted House Jewelry with a gift code to receive two free ringsThe Holsted House representative explained to him that the Fingerhut Credit Account issued by WebBank would be billed $each for shipping and handling for the free rings
Upon acceptance of the offer, Mr*** would receive jewelry items to match each ring from that collectionThe representative also explained that if he did not wish to receive additional jewelry, to return the Customer Service Card within days that accompanies each orderIf he wished to examine jewelry pieces from the collection(s), to do nothing and he would receive jewelry items every - weeks to examine
Mr***'s account reflects six charges from Holsted HouseShipping and handling on the two free rings he accepted when he spoke to Holsted House and four charges of $for merchandise Holsted House mailed to himHolsted House did receive four of the items as a return and his account was credited for two shipping charges of $and for $for four returnsThe original shipping and handling charges were not credited at this time
We contacted Holsted House on Mr***'s behalf and asked for the additional credits of $for the shipping charges
As a goodwill gesture we have issued a credit for the late fee and finance charges Mr*** account has accruedMr*** will see these credits on a future billing statement
Mr***'s account now has a zero balance on his account
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ca

CONFIDENTIAL COMMUNICATION
July 29,
Revdex.com of Minnesota #***
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** ***
Case #: ***
Dear Ms***,
We are writing in response to a follinquiry received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Credit AccountEnclosed are an updated statement of account activity, the Terms and Conditions, and our response dated July 13,
Mr*** states that he incurred a thirty day delinquency on his credit report because Fingerhut did not apply the automatic payments to his account as agreedMr*** is requesting that Fingerhut remove the late payment reporting from all three credit bureaus
Based on our research, the WebBank/Fingerhut credit account ending in *** was opened online September 14, with Mr***‘s personal identifiable informationAn order was placed over the phone on December 18, for a Marcy 100-lbECO Weight Set and a Marcy Flat/Decline Bench with Dumbell SetThe merchandise was delivered via UPS to the address provided on the credit application
Our records indicate that the electronic payments of $made on December 25, and January 25, were received after the due date of the 24th and caused two $late fees to be assessed on Mr***’ balance for the December and January billing cycles
Please note 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 may phone our customers with payment reminders when a payment is not received by the due date
On January 25, 2016, Mr*** paid the minimum payment of $with a Fingerhut representative and set up automatic payments for $per month beginning February 24, to April 24, 2017. When Mr***’ account cycled on January 28, 2016, the balance increased the minimum payment to $
On March 11, 2016, a Fingerhut representative recognized the $monthly payment did not satisfy the minimum payment due and advised Mr*** to set up automatic payments based on the minimum payment due option to rectify the situationMr*** refusedNo further payment schedules were set up
An individual payment of $was received on April 24, to bring the account currentAs stated in our response dated July 13, 2016, no further payments were received until we received a $payment on July 8, to bring the account currentThis resulted in a thirty day late being reported to the credit bureaus
Based on our research, Fingerhut sent notifications to Mr*** regarding the past due status of the account on April 8, 13, 18, 2016, June 8, 13, 18, and June 29,
As stated in our initial response, we credited a $late fee on July 13,
As of July 29, 2016, Mr***’s account is current with a balance of $and past due of $0.00, with a minimum payment of $due August 24,
An account review on July 27, confirms Equifax and Experian, are accurately reporting the account with a day delinquency for June TransUnion is reporting “Current” for the month of May and has not updated reporting for June 2016.
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 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 we can be of further assistance, please contact our Customer Service Department at ###-###-#### Monday through Friday 8am to 8pm Central Standard Time
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sjj
Enclosures

Initial Business Response /* (1000, 16, 2015/04/27) */
CONFIDENTIAL COMMUNICATION
April 27,
# ***
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 Mr*** *** regarding a WebBank/Fingerhut FreshStart Account
Our records indicate an order was placed on February 21, for a NutriBulletThe total for the order including shipping and handling was $We received the return of this item on March 20, Our return policy, which was listed in our catalogs and on our website, stated the following:
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-refundable
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/customized, 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
When Mr*** returned the NutriBullet our records indicate the reason for return selected on the pre-paid return form was that he did not like the productThe pre-paid label allows the customer the convenience of being able to return an item without having to wait for return postage for cases in which a return meets a qualifying reason for Fingerhut to cover the costs of the return"Pre-paid" means that Fingerhut will initially pay the return postage when the customer sends an item backIf the item is returned for a reason that does not qualify for Fingerhut to pay the return postage (indicated as a "non-qualifying return reason", the customer would have been required to pay the return postageA return shipping fee may be deducted from the return credit when it is received and processed
Based on the reason Mr*** indicated for the return, no credit was issued for the original shipping and handling of $and a return shipping fee of $were deducted from the credit issued for the item
On March 9, Mr***'s monthly billing statement was sent indicating a minimum payment due by April 5, We did not receive a payment until June 19, The payment of $did not cover the minimum payment required of $Per the terms and conditions of the account Mr*** agreed to at the time he applied for the Fingerhut Advantage Credit Account, late fees may accrue on the account when the minimum payment is not received by the established due date
On April 16, 2014, our records indicate Mr*** advised us that he would be mailing a payment for $on May 3, We did not receive any payment in MayMr*** was advised several times that the balance on the account was due to the original shipping and handling charges and return shipping fee
On June 23, Mr***'s spouse spoke to a member of our Executive Care Team and we again advised that the shipping and handling was not refundableWe issued credit for one late fee at that time of $as a courtesy to Mr***
On July 21, we received a payment of $which brought the account to a current statusThe balance remaining on the account according to the statement printed on August 9, was $with a minimum payment of $due by September 5, We did not receive another payment from Mr*** until October 12, The payment amount received was $which again brought the account current
On the November 9, statement a minimum payment was due of $by December 5, We have not received any further payments and additional late fees and interest charges have been billedAs an exception, we have credited one additional late fee of $The balance remaining on the account will be $once the credit we have issued is reflectedPlease allow 24-hours for the credit to reflect on the account and will appear on the statement printing on May 9,
Thank you for allowing us to assist and explain
Sincerely,
***
Executive Care Team
VF/bw

Initial Business Response /* (1000, 7, 2015/02/19) */
CONFIDENTIAL COMMUNICATION
February 18,
# ***
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
It is in regards to Mr***'s purchase dated September 24, for a Zeki 10.1-inch 8GB Android Tablet with Google PlayDue to a lack of information in the inquiry, a customer service agent telephoned Mr*** on February 16, for clarity on the current status of the defective tablet
Mr*** advised he contacted the vendor/warranty provider for the tablet, and they opened a claim and provided instructions on returning it to themHe acknowledged they sent and he received a new replacement tablet shortly afterward, but it was also found to be defective upon the first useMr*** returned it to the vendor just as he did with the firstSince that time, Mr*** claimed to have not been contacted or notified by the vendor as to how this issue would be resolved or its current status
As a courtesy to Mr***, we recently contacted the vendor for their records regarding this matterTheir response to us is as follows:
"The second replacement was sent to the customer on January 22, with U.P.Stracking number ***...This customer called in to obtain the status of the second replacement on January 23, and was given the U.P.Stracking number."
The tracking number reflects that the vendor met their delivery obligations when the second replacement was successfully delivered on January 28, to Mr***'s address of ***, Chula Vista, CA It further reflects the delivery driver's notes of "Met Customer, Man" indicating Mr*** or someone at his residence accepted delivery in person
As promised, the phone agent followed up by telephoning Mr*** on February 17, with this outcomeThe call rang to Mr***'s self-identified voicemail, and the agent left a message containing the detailed delivery information, including the tracking number
Our customers are important to us and we strive to assist and satisfy themWe trust with this explanation and measures we have taken that we have done so with Mr***
Thank you for allowing us to assist and explain
Sincerely,
***
Executive Care Team
VF/ah

Initial Business Response /* (1000, 5, 2014/09/16) */
CONFIDENTIAL COMMUNICATION
September 11,
# ***
Revdex.com of Minnesota
Attn: Angela ***
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 balance on her WebBank/Fingerhut Advantage Credit Account
I apologize for the inconvenience regarding the billing cycle, however the 28th of each month is not a due date used by Fingerhut for our billing cyclesAs such, we are unable to change it to the requested date
On August 21, your due date was changed to the 27th of each monthPer our policy, we are able to change the due date on the account once per rolling calendar yearAt this time, we are unable to make any further changes
Late fees accrue on your account whenever the minimum payment due is not received and processed by the due date on you're the statementWe have issued a credit for $on the account as an exception to our policy for Ms***This will be visible on her next statement printing on October 01,
The current balance on Ms***'s account is $and the minimum payment due is $by September 27,
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/jw

TERRIBLE COMPANYThe positive reviews posted above are awoke probably made by their staff
Apparently the order was lost by USPS, and they wouldn't re-ship or refundI was literally told this by one of their phone reps: "It's not our problem anymoreWe shipped it and that's all we can do" after that, they just hung up the phone

Gettington is the worst retailers that I have ever dealt with I recently ordered a
Patio set but they only sent me the table saying that the chairs are so sold separately When in plain black and white view the description say included chairsI have been calling and emailing for two weeks and all I get are mns If I was you do not purchase anything from this company they should be sue and close down for incompetents

Initial Business Response /* (1000, 5, 2014/06/12) */
CONFIDENTIAL COMMUNICATION
June 10,
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
Ms***'s account reflects she made a $payment on May 6, Her account balance after this payment was applied was $On June 3, 2014, Ms*** made a payment of $470.75, which brought her account balance to zero
Additionally, we find no notes on Ms***'s account that she had spoken to anyone regarding a $payment
If Ms*** is seeing something different and feel she has overpaid her account by a $100.00, we ask her to please provide us with a copy of her bank statement so we can further investigate this matterTo expedite, Ms*** may fax the requested information to: ***, Attn: ***
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/mhp

I received a blair catalog with a source code of PPW543J and a free shipping code of BXUHI followed their online instructions to get the special pricing promised in the catalogI had items in the shopping bag with "blue" item numbers which were supposed to reduce from the regular price to the advertised price once I completed check-outThis price reduction never happened (although I did receive free shipping) and there was no place to enter the source code anywhere on the siteNeedless to say; I will not be back EVER! ADVERTISING! SCAM!

Initial Business Response /* (1000, 6, 2015/05/26) */
CONFIDENTIAL COMMUNICATION
May 26,
# ***
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 Mr*** *** regarding a WebBank/Fingerhut Advantage Credit AccountWe want to ensure Mr*** has the information that will provide a clearer understanding of his credit account, as well as its existing balance
As a reminder to Mr***, the above referenced account is a revolving credit accountAs such, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the nextThe interest is calculated based on the account's current Annual Percentage Rate of 24.9%, and the monthly charges will vary in relation to increases or reductions in the account balance from month to month
Mr*** may review the terms and conditions provided in the welcome packet we sent him upon approval for a full and detailed explanation of the account and its functioningThis information can also be found by going to www.Fingerhut.com and clicking "terms and conditions" at the bottom of the homepage
Thank you for allowing us to assist and explain
Sincerely,
***
Executive Care Team
VF/bw