Bluestem Brands, Inc.

the customer service ordering service and billing service is horrible the representative are rude and unhelpfulI asked to speak to a supervisor and the rep said that they wont talk to me its the worst service ever

Initial Business Response /* (1000, 5, 2014/03/20) */
CONFIDENTIAL COMMUNICATION
March 17,
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 reflects he ordered a Garmin GPS on August 29, This item was returned and credited on October 9, However, per Mr***'s request, an exchange was sent for the TomTom VIA GPSMr***'s account was billed for the exchange since credit had already been issued on the return item
We advise Mr*** to date we have not received the TomTom GPS as a return
If Mr*** used the return label that accompanied the order, there was part of that return label that instructs the customer to keep for their receiptWe ask Mr*** to provide us with the tracking number which is on that receiptTo expedite, Mr*** may fax the requested information to: ***, Attn: ***Once received, we will investigate this matter
Our customers are very important to us and we strive to assist and satisfy themWe will continue to work with Mr*** until a resolution can be achieved
Sincerely,
***
Executive Care Team
VF/mhp
Final Consumer Response /* (3000, 7, 2014/03/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I cannot find that receiptI have been asking for that number from the companyI have a hard time believing that they do not keep records of the tracking numbers on the return receipts they send to their customersAll I am requesting is that number so we can track the return shipping of the TomTom to prove that the return was mailedI do not feel that I should have to pay for an item that was mailed back to them with the return label they provided me withNot a single person I spoke with has asked me for that tracking number on the receiptWhen I do speak to them on the phone, all they want to know is when I am going to payI am not going to pay for this itemI do not have it, it was retuned with the label they sent meI should not be held responsible for this item

CONFIDENTIAL COMMUNICATION
May 4, Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN Re: *** ***
Case #: ***
Dear Ms***,
I am writing in response to an additional inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Gettington Credit Account
Ms*** states she does not accept Gettington’s previous response dated April 19, because she doesn’t believe Gettington tried to reach her by phoneMs*** also states Gettington’s terms are unjust because she made a payment before February 22, 2016, yet Gettington reported her delinquent when her husband reversed the payment in March 2016. Ms*** states she will be closing her accountAs stated in our previous response, Ms*** made a payment for $on February 8, which was reversed by her bank on March 23,
If a payment is reversed, it is the equivalent of having never been receivedThe February 8, payment was reversed, therefore, there was no permanent payment secured by February 22, 2016.
When the payment reversed, Ms***’s Gettington account was considered delinquent as of February 23,
The reporting date on Ms***’s account is the twenty-sixth each monthOn March 26, 2016, no payment had been received for February 22, or March 22, 2016, so the account was reported thirty days delinquent
The day after the payment was reversed, March 24, 2016, Gettington attempted to contact Ms*** at each of the three numbers on her account. According to our records, Gettington dialed the number ###-###-#### at 9:49am and the number ###-###-#### at 12:45pm pm on March 24, Ms*** states the third number on her account is no longer her phone numberAccording to an account review on April 13, 2016, the bureaus are reporting accurately
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 Ms***’s terms and conditions which states:
“We may report information about your Account to credit bureausLate payments, missed payments, or other defaults on your Account may be reflected in your credit report.”
If Ms*** still has questions about her account regarding what has or has not been reported to the credit bureaus, please contact us by calling toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Standard TimeIf Ms*** would like to close her account she may contact us at ###-###-#### for assistanceThank you for allowing us to explainSincerely,
Kari ***
Executive Care Team
KD/lg

CONFIDENTIAL COMMUNICATION
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April 11,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** ***
Case #: ***
Dear Ms***,
I am writing in response to an inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Gettington credit account
Ms*** states she entered into an approved Consumer Credit Counseling Service (CCCS) program with Gettington and her account was reported negatively while in the programMs*** further states she contacted Gettington numerous times to have the accounts past due status removedMs***’s desired resolution is to have the negative reporting removed
Our records indicate that on October 10, 2011, an application for credit was processed online using Ms***’s name, address and social security numberAn order was placed the same day with a representative for an Acer Iconia 10" 16GB Android Honeycomb TabletThe merchandise was shipped October 11, via FedEx to the same address as provided on the applicationThe last order, totaling $60.46, was placed on February 17,
We have received multiple payments on this account from a checking account ending in in the name of *** ***The last payment was received on November 4, totaling $
Our research indicates that Ms*** was set up on an approved CCCS program, for sixty months at $per month through American Consumer Credit, on May 19, Ms*** was dropped from the CCCS program on January 23, for non-payment
Customers use CCCS arrangements to work with creditors to repay their debtsSome of the benefits customers enjoy through CCCS arrangements include lower interest rates, waiver of late fees and lower monthly paymentsWhile in the CCCS program accounts will report to the credit bureau as “paying under partial payment agreement”
The unpaid balance of $charged off on April 16, and the account was sold to Jefferson Capital on April 30,
An account review completed on April 6, confirms the credit bureaus are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance 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***’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*** has questions about what Jefferson Capital Services may be reporting, she may contact them directly at ###-###-####
Thank you for the opportunity to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa

Initial Business Response /* (1000, 7, 2015/02/03) */
CONFIDENTIAL COMMUNICATION
February 3,
# ***
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
To date, our records support a single purchase being made on Ms***'s account; it was a Weslo Cadence G Treadmill from January 10,
Our records indicate Ms*** telephoned us immediately upon receiving the treadmill on January 15, notifying that it arrived noticeably damagedWe always regret when a customer receives their product in an unsatisfactory condition, especially when, like with Ms***, it is their first orderWe sincerely apologize for any inconvenience this may have caused her
Ms*** was immediately sent a pre-paid postage label to return the damaged item to us at no cost to herWe received the treadmill on January 29, and Ms*** received full credit, including shipping/handlingThe one-year Extended Service Plan she purchased for additional warranty coverage was also credited in fullAs of the date of this letter, Ms***'s account reflects a $balance
As a reminder, her account was closed when she authorized it with a phone agent on January 15, We again apologize, and appreciate Ms***'s patience and cooperation while we worked towards this resolution
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ah

Initial Business Response /* (1000, 6, 2015/08/07) */
CONFIDENTIAL COMMUNICATION
August 7,
# ***
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 Advantage Credit Account
Ms*** account indicates an enrollment in an insurance plan offered by one of our affiliated companies, Affinion Benefits GroupIt is an accidental death and dismemberment policy which is underwritten by Hartford Life and Accident Insurance Company
We obtained her policy proof of enrollment(s) from Affinion, which explained the charges for the insurance premium(s) would be billed quarterly to her WebBank/Fingerhut Advantage Credit AccountThe proof of enrollment is dated April 3, We are sending a copy of the proof of enrollment directly to Ms*** at the address we have on fileAffinion also advised us the insurance policy was cancelled per Ms*** request on May 1,
The last time Ms*** was charged for the insurance policy was on February 4, Ms*** billing statement is sent each month on the 11thIf the minimum payment is not received by the due date specified a late fee may be assessed as stated in the terms and conditions she agreed to at the time the account was openedAs a courtesy two late fees were removed on April 4, and April 21, for a total of $We have also credited interest charges in the amount of $The remaining balance on her account as of the date of this letter is $No further charges will be billed to her account for the insuranceIt is important to make on time payments to avoid late fees in the future
We appreciate Ms*** patience while we researched her account
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/bw

Initial Business Response /* (1000, 5, 2014/05/16) */
CONFIDENTIAL COMMUNICATION
May 14,
Revdex.com of Minnesota
Attn: *** ***
South River 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 Account
We have reviewed Mr*** account and found that on December 16, he set up a Repayment Plan in the amount of $to come out of his bank account on the 16th of the month for a period of monthsWe have received the monthly payments to the account as agreed upon and due to an error in the creation of the Repayment Plan his account had been assessed late fees during this periodWe have made adjustments to his account for the late fees that were assessed in the amount of $and have issued credit for Interest charges due to this error in the amount of $He will see these adjustments on his next billing statement that prints on May 19,
We also have found that on April 25, Mr*** did speak with our payments department and set up a new Repayment Plan in the amount of $per month for a period of months
We have requested that Mr*** credit reporting is to be updated with the correct informationMr*** should allow up to days for the credit bureaus to update their reporting
We would like to apologize to Mr*** for any inconvenience this matter may have caused him
Thank you for allowing us to explain
Sincerely,
***
VF/rsh

Horrible customer service!!! The worst yet! They didn't communicate effectively regarding delivery of our product We waited months to receive our bed despite the fact that they were already paid Also, calling for assistance is useless because no one knows anything Absolutely ridiculous Never again Also, finally received shipment notification just hours before my bed arrived and I'm at work!! Crazy

Initial Business Response /* (1000, 5, 2015/10/14) */
CONFIDENTIAL COMMUNICATION
October 9,
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
Ms*** claims that she set up recurring monthly payments to be drafted from the account on the 3rd of each month, but that two payments of $were drafted on October 4th and 5thWe sincerely apologize for this and we have credited the account $We did not draft a payment on October 3rd, and a payment of $was due by 10/5, so if we were to credit back the second $77, the account would not be currentThe account did not accrue any late fees or overdraft charges, as the account was paid by the due date of the 5th
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm

April 19,
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Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** ***
Case #: ***
Dear Ms***,
I am writing in response to an inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Gettington Credit AccountEnclosed are a statement of account activity, Terms and Conditions and the last four statements
Ms*** states she made a payment to Gettington for $on February 8, and her husband had the payment reversed on March 23, Ms*** further states that Gettington made no attempt to contact her regarding the payment reversal and then reported her delinquent to the credit bureaus after only missing one paymentMs*** is requesting that Gettington remove the thirty day delinquency reporting for March
Based on our research, the balance on Ms***’s Gettington credit account was zero when she made a purchase on December 28,
According to the January 26, statement, a minimum payment of $was due by February 22, On February 8, 2016, a payment was received for $This payment was reversed on March 23, by Ms***’s bank
The result of the February 8, payment being reversed on March 23, was that Ms***’s Gettington account was considered delinquent as of February 23,
The day after the payment was reversed, March 24, 2016, Gettington attempted to contact Ms*** at each of the three numbers on her accountAccording to our records, Ms*** was called at approximately 9:45am, 12:45pm and 6:00pm
No further attempts have been made to reach Ms*** by phone because the person who answered at phone number ###-###-#### told the Gettington agent to stop calling. The phone numbers associated with Ms***’s account were revoked on March 24, (###-###-####, ###-###-####, and ###-###-####)
The reporting date on Ms***’s account is the twenty-sixth each monthOn March 26, 2016, no payment had been received for February 22, or March 22, 2016, so the account was reported thirty days delinquent
According to an account review on April 13, 2016, the bureaus are reporting accuratelyWe 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 Ms***’s terms and conditions which states:
“We may report information about your Account to credit bureausLate payments, missed payments, or other defaults on your Account may be reflected in your credit report.”
If Ms*** still has questions about her account regarding what has or has not been reported to the credit bureaus, please contact us by calling toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Standard Time
If Ms*** would like to close her account she may contact us at ###-###-#### for assistance
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/lg
Enclosures

Initial Business Response /* (1000, 5, 2015/01/12) */
CONFIDENTIAL COMMUNICATION
January 9,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am
writing in response to an inquiry that we received from your office on behalf of Ms*** *** regarding a Webbank/Fingerhut FreshStart Credit Account
We sincerely apologize to Ms*** for any difficulty she has encountered in placing an order with the FreshStart program
We have requested that a refund check in the amount of $be mailed to Ms*** at the address on file of *** Jacksonville, FL She should allow up to business days to receive his check
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ca

Initial Business Response /* (1000, 7, 2015/01/07) */
CONFIDENTIAL COMMUNICATION
January 7,
# ***
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 return of the Trio Stealth GElite 10.1" Tablet and the 10K Gold 16" Box Chain to his WebBank/Fingerhut Advantage Credit Account
Fingerhut's Return Policy states:
We will issue an exchange or refund for most items returned in new condition within days of receiptReturns 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 customersMusic, movies, video games and software must be return 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 day home trial periodProducts sold as sets must be returned as sets, partial returns will not be acceptedPersonalized/customized and made-to-measure window treatment products may be returned for credit only if they are damaged or defectiveExchanges are permitted for identical product onlyGift cards cannot be returnedOther restrictions apply
Per our authorization, and because it was under our day in-home trial period, we issued credit on August 29, for the first tablet purchased on July 31, upon receipt
On August 07, the 10K Gold 16" Box Chain was purchased and the return was received on September 25, Upon examination of the item, it was determined that the return was abused and no credit would be issued a letter was sent to Mr*** advising that the merchandise would be held until October 29, and then be disposedThe merchandise was disposed of on October 29,
On September 2, a second tablet was purchased and the return for the item was received on September 25, This tablet was exchanged and a new order for a tablet was placed on September 25, The exchange order was cancelled on September 25, at Mr***'s requestOn January 5, I have issued credit for the return in the amount of $for this tabletI apologize that the credit was not issued at the time of the cancellation
On September 15, a new order was placed for another tabletThis tablet has not been returnedAt this time the product is outside of our return policy and we are unable to accept the returnThis tablet is still covered under the manufacturer warranty and Mr*** may contact them at [email protected] or *** to take advantage of the warranty
As an additional exception, I have issued credit for late fees on the account in the amount of $
The minimum payment due by January 27, 2014, including the past due amount, is $The remaining balance on the account is $
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/jw

Initial Business Response /* (1000, 7, 2014/03/19) */
CONFIDENTIAL COMMUNICATION
March 14,
Revdex.com of Minnesota
Attn: *** ***
South River 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
Upon review of Mr***'s account on February 6, he was charged $for a program offered by one of our partner companies called Great FunMr***'s first charge for this program was on January 10, in the amount of $and then again on August 1, in the amount of $On February 26, Mr*** contacted us regarding the recent charge and was advised to contact Great Fun for cancellationOn February 27, Great Fun issued a cancellation credit to his account in the amount of $Mr*** contacted us on March 5, regarding his account and was advised that credit was issuedHe was also credited for late fees to the account in the amount of $These credits appeared on his statement that was sent to him on March 6, Mr*** also requested his account to be closed on that date and his account was closed per his requestAs of this date Mr***'s account balance is at zero
Thank you for allowing us to explain
Sincerely,
***
VF/rsh

I see a ton of bad reviews and because I have had no issues so far (after a year and orders, one small and one big) with Fingerhut I felt compelled to write a positive one
I was wary at first due to all the negative reviews, so I only ordered a coffee makerWas it over priced? A littleDid I need a coffee maker? Yup mine had just broke days priorOrder arrived on time a well packagedI've made only slightly more than the minimum payment each monthThey increased my limit and then my laptop finally took its last breathSo I took the major risk and ordered an Asus laptopThis time tho the pricing was only slightly higher than and packaging was terrible, but thankfully system was undamagedI was able to defer the payments til next year as wellThis has allowed me to get a new higher paying job and learn a few coding languagesInitially I was getting the account to offset my utilization overall but have found it incredibly useful at timesThanks guys!

Initial Business Response /* (1000, 5, 2014/04/21) */
CONFIDENTIAL COMMUNICATION
April 18,
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 placed an order on February 20, for the Troy Bilt 18" Gas Trimmer/BushcutterHe contacted us on March 1, stating he had not received this itemAn affidavit of "non receipt of merchandise" was sent to Mr*** on March 1,
We received the completed affidavit on March 12, Mr***'s account reflects the replacement order for the Troy Bilt 18" Gas Trimmer/Bushcutter was shipped on March 12, The FedEx tracking number was not showing the process of this shipmentA specialist from our company contacted FedEx directly and found they could not find the tracking number in their system which means this shipment did not process
Mary from our office phoned Mr*** on April 18, 2014; she apologized and explained what happened to the replacement orderMr*** advised he would still like to have this product
A new order was placed for the Trimmer/Bushcutter on April 18, A required signature was also applied to this order
As a goodwill gesture, the original shipping and handling on the original order has been credited
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/mhp

Initial Business Response /* (1000, 5, 2014/12/30) */
CONFIDENTIAL COMMUNICATION
December 30,
# ***
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 FreshStart Credit Account
Per the terms and conditions of the FreshStart credit program, a customer's order does not ship and is not billed until a $down payment has been successfully applied towards itThe down payment is deemed successfully received and processed after it has met the obligatory wait period associated with the method of payment used
Mr***' was made via a debit card, which requires a wait period of two business daysIt was first made on Thursday, December 11, 2014; meaning the earliest his order was eligible for shipping was the following Tuesday, December 16, FreshStart customers placing their orders/down payment on the Fingerhut website--as occurred with Mr***--are advised of the down payment hold time during the web checkout processIf he was not provided this information while in contact with one of our representatives, we apologize
Our records indicate Mr*** authorized the cancellation of his order on December 16, with one of our representatives when they confirmed it had not yet shippedThe $down payment was referred to our Payment Processing Department, and they issued an electronic refund back to his VISA debit card ending '5492' on December 23, If he has not already seen this credit posted to his bank account, he should allow a few more days for it to arrive
Thank you for allowing us to assist and explain
Sincerely,
***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2015/01/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is completely false! I never canceled on that date and I was told days in row it was being shipped! Friday then Monday then Tuesday! This company is fraud and they lie! Plus I was told I would recieve a check back but I paid by debit!
Final Business Response /* (4000, 9, 2015/01/21) */
CONFIDENTIAL COMMUNICATION
January 21,
# ***
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 Mr*** ***
A review of the recording of Mr***' telephone call to us on December 16, confirms he gave the phone agent full and clear authorization to cancel his only pending orderHe was dissatisfied that it would likely not be delivered by the estimated delivery date he was initially given, and also stated he could get the item at a lower cost from another seller
Once the agent confirmed that the cancel request had been submitted, Mr*** inquired about a refund of his $down paymentThe agent advised his refund would be mailed and to allow up to days for it to arrive; Mr*** questioned this procedure, requested an immediate electronic refund, and the agent transferred him for further assistance with his request
He advised the next phone agent that he wanted a faster turnaround time for the refund, and he was put on hold while the agent consulted with a supervisor about what, if anything, could be doneThe agent returned and explained that, as an exception to our standard procedures, his $would be electronically refunded to the same account he used to pay itAs stated in our previous response, the refund was issued on December 23, 201--and those funds are now back in Mr***' bank account
Having now provided Mr*** with all information available to us, we are considering this matter closedThank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ah

Revdex.com:
As long as they contact me with an appropriate response and conclusion I would leave this open until is complete and satisfactory to me
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me

Initial Business Response /* (1000, 5, 2014/12/16) */
CONFIDENTIAL COMMUNICATION
December 16,
# ***
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 Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
It is in regards to her first and only purchase from August 16, for a McLeland Design Stockholm 5-piece Dining SetMs***' account notes reflect that on September 3, she telephoned us notifying she did not receive the hardware components needed for assemblyThey further show that on September 8, our Parts Department was waiting on our supplier for the parts as none were available in inventory
We received several more contacts from Ms***, and continued to refer her request to our Parts DepartmentWe spoke with her again in late October 2014, by which time we were aware of Ms***' excessive wait time and sent her a letter explaining her options as described in the inquiryWe apologize if Ms*** requested return postage from us and did not receive itWe are not requesting that she return the dining set to us - it is Ms***' to keep, dispose of or otherwise decide to do with as she sees fit
As a remedy, she received credit for the full cost of the order, including shipping/handing, on December 1, Her Fingerhut Credit Account limit again reflects the full $available for purchaseThe $she paid upfront from her checking account ending '***' was issued as a refund back to her bank accountIf she has not yet seen the refund post to her account, we ask that she allow a few more days for it to arrive
Additionally, we have updated the information on Ms***' account to the credit bureaus and advise it may take up to sixty days for the update to processWe apologize for any inconvenience this matter may have caused her, and appreciate her patience while we worked towards this resolution
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ah

Initial Business Response /* (1000, 7, 2015/01/06) */
CONFIDENTIAL COMMUNICATION
January 5,
# ***
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 Credit Account
Mr***'s account indicates he spoke to a representative on December 3, to request a refund of his $down payment on a cancelled orderRefunds are normally issued in the form of a check and this procedure would normally take up to 30-days to process
Our records indicate that you requested the refund be done electronically and a cancellation of the check was requestedOur records indicate that a refund was issued to the same account used for the initial down payment on December 15,
Please be assured that your credit card information has not been compromised in any wayWe apologize for any inconvenience this matter may have caused
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ca

Initial Business Response /* (1000, 5, 2014/11/20) */
CONFIDENTIAL COMMUNICATION
November 20,
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
Ms*** states that she was told by a Fingerhut representative that her account would not be reported as a charge off to the credit bureausShe is applying for a home loan and is requesting that Fingerhut change what is being reported from "charged off" to "Paid as Agreed"
Our records indicate that there were no payments made on Ms***'s Fingerhut account from April 3, until November 1, and again from November 29, and March 13,
On October 17, 2013, Ms***'s account was charged off with a balance of $1,On that same day, the account was reported to Equifax, Trans Union and Experian as charged offThere was a payment attempt on October 18, 2013, but that payment was returned unpaid by Ms***'s bank
A call recording from October 14, was reviewed by Executive Care TeamMs*** admitted to being "way behind" and wanted to start paying now that she was on the "plus side," but there was no mention of credit bureau reporting or when the account was expected to charge off by either party
There is no record of Ms*** speaking with anyone in our Credit Bureau Reporting department, though there were two credit bureau disputes received in December A letter and itemized statement showing the charge off as accurate was sent in response to the disputes
Once an account has charged off, the account may be sold to a third party collection agency at any timeThe current balance remaining on Ms***'s Fingerhut account is $Fingerhut does not accept "payment for deletion", but once Ms*** is able to pay the remaining balance on her account, the account would report to the credit bureaus with a $balance and an account status of charged off
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."
If Ms*** still has questions about her account and what has or has not been reported to the credit bureau, she can contact us at the address listed above or by calling us toll-free at ***, Monday - Thursday, 7:AM - 6:PM and Friday 7:AM - 4:PM Central Time
Sincerely,
***
Executive Care Team
VF/lg