Bluestem Brands, Inc.

THIS COMPANY HAS A HIGH MARKUP OF THE MSRP I PURCHASED A HP PRINTER THAT THEY RETAIL @WHEN INFACT THE ACTUAL PRICE IS $INCLUDING FREE SHIPPING WHEN ASKED TO SPEAK WITH A SUPERVISOR FOR THE PAST WEEK I CALLED AT LEAST FIVE TIMES AND EVERY TIME THEY STATED THAT NO SUPVWERE AVAILABLE BUT THEY WILL ADD ME ON THE CALL BACK LIST AND THAT I WILL GET A CALL BACK WITHIN HOURS TOTAL LIES NO ONE CALLED UNTIL PM JUNE OVER ONE WEEK LATER WHEN I WAS STILL AT WORK.THIS COMPANY GOES UNDER THE FOLLOWING CO.NAMES FINGERHUT AND GETTINGTON

Initial Business Response /* (1000, 7, 2015/02/11) */
CONFIDENTIAL COMMUNICATION
February 10,
# ***
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 show on January 1, a one-time payment of $was scheduled via the Fingerhut website to be paid to Ms***'s account on January 15, The method of payment was a *** bank savings account ending '***'
As Ms*** states she did not authorize this payment, we carefully balanced her claim with our recordsWe were unable to find any evidence that this payment was the result of a system error or other cause from our endWhile we are uncertain whether Ms*** or someone else authorized it, we are firmly resolved that it resulted from the completion of the web payment process
On January 24, we were notified of a "return payment" status, indicating that Ms*** contacted her bank to do a stop payment on the $This was successful and we never received these funds
As a reassurance to Ms***, her account has not been charged off, and we apologize if she was given this information in errorHowever, her account reflects that it is currently past dueAs a reminder, if a payment is not received by the due date, the minimum payment due the next month will be higher and continue to be higher until the correct minimum amount due is received
The amount Ms*** should make on or before March 3, to bring her account current is $
Thank you for allowing us to assist and explain
Sincerely,
***
Executive Care Team
VF/ah

Initial Business Response /* (1000, 7, 2015/08/13) */
CONFIDENTIAL COMMUNICATION
August 13,
# ***
Revdex.com of Minnesota
Attn: ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am
writing in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate an order was placed on our website for a Super Chef pcNonstick Cookware Set on March 18, We have no record of a Rachel Ray Cookware Set being placed on Ms***'s account
Our return policy is listed on our website and in our catalogs and states, in part:
We will exchange your product or give you a refund for most items returned in new condition within days after date of purchaseReturns will not be accepted for credit after daysIf you have any problems with a product, please check the manufacturer's warrantyFingerhut provides a convenient prepaid return label service for most productsYou can visit our Returns Center in the My Account area of the website to print a new return label at Fingerhut.com or contact Customer ServicePre-paid return labels are not available for truck-ship items, oversized items, or Fingerhut FreshStart accountsContact Customer Service for help with your return
After a thorough review of Ms***'s account, we have no record of her contacting us in reference with any problem for the CookwareUnfortunately, due to the length of time she has had the Cookware we are unable to accept the return
On December 13, our records indicate an order placed for a Ragalta Thermo Electric Hot and Cold Water Cooler and a yrExtended Service Plan (ESP)On January 13, Ms*** contacted us to advise she would be returning the Water Cooler because she did not like the itemOn March 28, we sent an "affidavit of non-receipt of returned merchandise" since we did not receive the returnOn April 30, 2014, a letter was sent to the address on file for Ms*** advising we require a copy of her return receiptWe have no record of receiving the receiptWe suggest Ms*** contact the shipping company she used to return the item for additional assistance
Please understand we make every effort to apply our policies consistently and fairly to all of our customers and we are applying the policy the same for her as we would any other customer with similar circumstances
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (3000, 9, 2015/08/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
What the rep has responded to is incorrect and she may claim there is no record of the complaints or disputes however those are lies
Another reason why I don't exactly shop for products anymore because they do not honor their wordYes I purchased extended warranty for the product however, I can't make a claim on something that was returned because I cannot produce the product
Thanks

Initial Business Response /* (1000, 8, 2015/04/02) */
CONFIDENTIAL COMMUNICATION
March 31,
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
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
Upon accepting the offer of credit for a WebBank/Fingerhut FreshStart Account, Mr*** agreed to the policies, terms and conditions, which are disclosed in numerous locations for his reference
Shipping and Handling policy information is available in all Fingerhut catalogs and as well on the websiteOur shipping & handling rates are based on the size and weight of the package, as well as the price of the itemsFor reduced shipping/handling costs, we also offer progressive shipping when a customer orders multiple items at one time
In the catalogs, there are dedicated "blue pages" that specifically outline the details of shipping and handling ratesIn the top left-hand corner of the last "blue page" is the "shipping and handling rates chart," showing exactly how the shipping cost of each individual item is determined based on its price and ship code by weightTo estimate the shipping & handling charge, locate the cash price of the item in the Price Range column and follow that line to the column with the Shipping Code for the itemThe section titled "Shipping and Handling Policy," located just below the rate chart, explains how the shipping cost is determined for multiple items in one order
Refund checks are processed by a specialist, who creates a check with your information, and sends it out in the mail,It can take to business days for our specialists to receive and process the informationWe provide the timeframe of business days in order for the check to be written, sent out, and for you to receive it
Fingerhut's goal is to provide professional customer service in all interactions and our representatives are trained accordinglyWe apologize if we have fallen short of Mr***'s expectations
Sincerely,
***
Executive Care Team
VF/CC

Initial Business Response /* (1000, 5, 2014/07/02) */
CONFIDENTIAL COMMUNICATION
July 1,
# ***
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 AccountThe inquiry is brief and broad in scope, so we need additional information-gathering to investigate Mr***'s claim that his account had been "compromised."
There are ample notes regarding one order in particular that Mr*** has consistently denied authorizingWe are confident this is what Mr*** is referring toThis order was placed on his Fingerhut Credit Account on January 30, and consisted of one item, a NinBlender with Single-Serve Function
Mr*** acknowledged knowing the person who placed the order, whom he identified as his brotherHe explained his brother placed the order under the impression he had accessed his own account to do so, and not Mr***'sHis brother had this impression because his own name somehow was applied to and appeared on Mr***'s account
We have reviewed the account and can confirm the name had been changed for a brief timeHowever, we restored Mr***'s name as the rightful account-holder on March 6, 2014, and all of his account information has remained correct ever sinceThe exact cause of the brother's name being applied to the account remains under reviewWe apologize if a system error on our part might have been the causeIf by chance Mr***'s account was accessed by a third party without his authorization, we advise he take extra care safeguarding his account login information
Most claims of unauthorized order activity are within the purview of our Credit Risk Department, and we consulted with them regarding this matterThey have decided to make an exception to our usual policies, and already removed the charge and credited Mr***'s account for the full cost of the NinBlenderMr*** will see this credit on a future billing statement
Mr*** made clear to not make any payment whatsoever on his account until he felt a satisfactory resolution had been reached regarding the unauthorized orderConsequently, his account incurred three late feesWe strongly advise customers keep their account in good standing by making the minimum amount due each month, even while engaged in a dispute
As a one-time exception, we have decided to credit Mr***'s account for the three late fees, as well as the interest that accrued only on the NinblenderAgain, he will see these credits on a future billing statementAdditionally, we have updated the information on Mr***'s account to the credit bureaus to remove any negative reporting relating to the most recent missed paymentsAs an alert to Mr***, he has an upcoming payment due on July 18,
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ah

Initial Business Response /* (1000, 10, 2015/04/09) */
CONFIDENTIAL COMMUNICATION
April 8,
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 a WebBank/Fingerhut Credit Account
Ms*** states that she sent a request for information regarding Fingerhut account (#***) and received no informationShe would like an itemized statement of account activity and the date of the last payment made on the account
According to our records, there is no account associated with the number Ms*** provided
We were able to locate an account in the name *** *** that was opened in (#***) The application verifies the account was opened with the name *** *** and all of the personal information matches that of Ms***
Twenty four payments for a total of $1,were received on this account from two different checking accounts in the name *** ***
The last payment received was on September 15, for $The payment was made over the phone with a checking account in the name *** ***
The account charged off on April 26, with an unpaid balance of $and was sold to Jefferson Capital on November 29,
The account in Ms***'s name was sold before Fingerhut began to report to Experian, so there is no trade lineThere is also no visible trade line for EquifaxWe were able to confirm with an agent at Trans Union that the Fingerhut trade line was deleted in
If Ms*** still has questions about her account and what has or has not been reported to the credit bureau, she can contact Fingerhut at the address listed above or by calling us toll-free at ***, Monday - Friday, 9:AM - 6:PM Central Standard Time
Sincerely,
***
Executive Care Team
VF/lg

Initial Business Response /* (1000, 8, 2015/05/26) */
CONFIDENTIAL COMMUNICATION
May 22,
# ***
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*** is a valued customer, and we regret any difficulty she experienced as a result of the changes made to her credit lineAs a reminder, there is a section of the credit account Agreement covering this issue, found under the title "Available Credit." It states, in part, "We may increase or reduce your credit limit, or suspend or terminate your Account, at any time with or without causeWe will provide notice to you to the extent required by applicable law."
Any reduction, increase or other change to a line of credit is the result of ongoing, systematic monitoring of account activity dataThis information can pertain to the Fingerhut Account but also the customer's credit history as a whole
Strong performing accounts may be issued a credit line increase, either temporary or permanentIf purchases are made to the account while a temporary increase is in effect, the regular limit receives a permanent increase equal to the combined total of the purchasesIf no purchases are made, the temporary increase expires and the regular limit is restored
We are aware of Ms***'s concern of the potential impact this process could have on her credit ratingUnfortunately, credit reporting agencies do not reveal how, specifically, their scoring systems functionWhile we feel our processes associated with credit line changes do not have a long-term or unreasonable impact on credit ratings, we will accommodate requests to opt out of them
If Ms*** chooses to opt out of receiving temporary credit line increases, it will also disqualify her from being issued permanent increasesWe apologize, but at this time we do not have the option to allow one but not the other
To opt out, Ms*** may contact our Customer Service Department at ***, Monday through Friday, a.mto p.mCentral TimeThank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (2000, 10, 2015/05/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)

After placing my order and receiving my email confirmation I realized the agent made a mistake by spelling my street address incorrectlyI immediately called back and asked them may they correct my street addressAfter being placed on hold for the fourth time I was told she couldn't change my address and I had to place another order AFTER they took my down payment, meaning I would have to PAY againBy this time I wanted nothing to do so I requested for them to cancel my accountI was told it was cancelled only to wake up the next morning and find fungerhut pulled the money out of my accountToday, I was placed on hold times with different agents I was then told My money will be refunded within to business daysI am utterly disgusted with how I was treatedIve been in retail for years and have never experienced anything like this All they had to do was correct an error on my street address that was done by their agent NEVER AGAIN!

CONFIDENTIAL COMMUNICATION
letter-spacing: 0pt;">August 5, Revdex.com of Minnesota #*** Attn: *** *** S River Ridge Circle Burnsville, MN
Re: Case # ***- ***, *** Dear Ms***, I am writing in response to the complaint we received regarding a WebBank/Fingerhut Credit Account for Jeremy ***. Mr*** states he received an Intex Easy Set Round Pool that was damaged and missing partsMr*** also states he is unable to package the pool back up to return it to us, as the item is quite large, and he does not have the original packaging. Our records indicate Mr*** placed this order on May 29, The order includes the Intex Easy Set Round Pool, an Intex Foot Bath for Pools, an Intext Adventurer Snorkel and Mask Set, an Intext Solar Heater Mat for Above-Ground Pools, a Water Balloon Launcher and an Ocean Reef Snapset Kid’s Pool Mr*** contacted us on June 11, via email, advising he found a hole in the ring of the Intext Pool and that they needed to patch the pool before they could even use it After multiple email exchanges between us and Mr*** regarding how he should package the pool to return it, we have made the decision to credit the pool, and are not requiring the return of it. Mr***’s account has been credited in the amount of $for the poolThis amount includes the retail price of the item, tax and shipping and handling
During this time, Mr***’s account balance included the purchase for the pool and the accessories, and had a payment of $due by July 15, We have not received a payment, and so Mr***’s account was assessed a Late Fee of $Due to extenuating circumstances, we will issue credit for the late fee as a one-time exception Mr*** will see these credits on his next billing statement, which will be produced on August 26, 2016. As of August 9, 2016, Mr***’s balance is $There is a payment of $due on August 22,
If Mr*** wishes to return the other items he purchased with the pool, he may do so using the pre-paid return label that was emailed to him on June 20, If Mr*** no longer has that email, we ask that he contact our customer service office to request oneWe will be noting the account to ensure that return is accepted
Thank you for this opportunity to explain
Sincerely,
Vi *** Executive Care Team Fingerhut Customer Service

This is what happened to me while dealing with PayCheck Direct,
I placed an order on line, then canceled it the very next day (less than hours)I called to confirm that the order was canceled and that the payment would NOT be deducted from my checking account ; this was confirmed by a PayCheck Direct representativeThe very next day the payment was attempted and overdrew my accountFive days later a second payment was attempted,which caused another feeAfter being told that if I sent them a copy of my bank statement , as proof of the overdraft fee ; that the fees would be refundedWell, guess what? After sending them the information that they requested, and contacting PayCheck Direct three different times....Yep you guessed it...They refused to refund the $in overdraft fees that they caused, by trying to take out two payments AFTER the order was CANCELED!! Fortunately my bank is awesome and reversed the fees for me With all of this said; My advice to you DON'T SHOP WITH PayCheck Direct!!!

Initial Business Response /* (1000, 7, 2016/01/25) */
CONFIDENTIAL COMMUNICATION
January 25,
Revdex.com of Minnesota # ***
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear
Ms***,
I am writing in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate Ms*** has been receiving electronic statements each month to the e-mail address ***@YAHOO.COMMs*** states she has requested to receive paper statementsAccording to our records, we have not received this request
As of January 25, 2016, Ms***'s request to receive statements through the mail has been processedWe advise her to allow 1-billing cycles for her account to reflect these changes
It is the responsibility of our customer's to make their payments by the due date each monthMs***'s payment is due on the 15th of each monthAt this time we will not adjust the interest charges on Ms***'s account
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 9, 2016/02/04) */

Initial Business Response /* (1000, 5, 2014/06/19) */
CONFIDENTIAL COMMUNICATION
June 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 Advantage Credit Account
Our customers are very important to us and as equally important is the security of their accountAs we do allow a spouse who can verify the information on an account to make a payment, we do not allow anyone but the actual account holder to make any changes that directly affect an account
We have processed Mr***'s request to cancel the SafeLine Account Protection PlanSafeLine was canceled as of June 10th, Two months of SafeLine fees have been credited to his account
Per Mr***'s request, we have contacted *** Benefits Insurance Services; Inc., whose insurance plan is underwritten by *** Life and Accident Insurance Company, to cancel the insurance he has on his insurance policy through themWe also asked for the June charge of $for the *** insurance to be creditedBecause this is an insurance program, our partner will need to confirm his request directly with him before canceling his coverageThey will attempt to follow up with him, however Mr*** can also contact them directly to ensure his cancelation is processed quickly at *** and can reference his policy number of *** when speaking with themHis policy number and this phone number are also included in his statement in the billing description
Mr*** will see these credits on a future billing statement
I sincerely apologize to Mr*** for any inconvenience this issue may have caused
Thank you for allowing us to explain
Sincerely,
***
Executive care Team
VF/mhp

I order a item from Fingerhut paid down payment with the freshstart programI return the item with a return label from the company, waiting on my refund, I call and they charge me a shipping and handling for the item which means they kept all of my moneyI had call several times and was told they would refund me the and once they got the item back, they kept the item and my money, so upset

Initial Business Response /* (1000, 5, 2014/02/21) */
CONFIDENTIAL COMMUNICATION
February 21,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - *** ***
Dear Ms***,
I am
writing in response to an inquiry we received from your office regarding *** ***
Our records indicate that an order was placed via our website on December 9, for the McLeland Design Throw and Slippers, the Sony PSGold Dualshock Controller, the Jumbo Runner Shopping Cart and the Jillian Michaels Ultimate Vinyl Kettlebell Set
The Jumbo Runner Shopping Cart and the Jillian Michaels Ultimate Vinyl Kettlebell Set are shipped directly from our VendorsBecause the vendors ship the items, a physical address was requested by them to ship the merchandise
Our records also indicate that a voice message was left for Ms*** on December 18, stating that the street address was needed to ship the cart and the kettlebell setWe did not hear from Ms*** so the order was canceled for these two items
On February 13, 2014, an order was placed for the cart and the kettlebell setThis order was cancelled as wellThe ship to address for the order is the same street address that was provided on Ms***'s complaint
Because we have found multiple accounts using the same demographic information, and to protect the customer's account, as an extra verification step, we request that Ms*** fax a copy of her utility bill and a copy of her drivers' license, both indicating the ship to address for the orderShe may fax them to ***, Attn: ***, or mail it to***, St Cloud, MN
I sincerely apologize for any inconvenience this may have caused
Thank you for this opportunity to explain
Sincerely,
***
Executive Care Team
VF/tas

Initial Business Response /* (1000, 5, 2014/11/13) */
CONFIDENTIAL COMMUNICATION
November 13,
# ***
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
It is in regards to Mr***' only order with us dated September 17, for a Visual Land Prestige Pro 10-inch 16GB Android tabletWe received it as a return on October 17, 2014, and Mr*** received credit for the full merchandise price on the same dateHowever, the original shipping and handling is non-refundable on return merchandise
Likewise, a return shipping fee was deducted from the credit because it was sent back to us for a "non-qualifying" reason(An example of a "qualifying" reason would be in cases of product defects/damages not caused by the customer, which in most cases Fingerhut covers this cost.)
However, we have decided to make an exception to our standard polices and credit Mr***' account for the original and return shipping/handling costs of the tabletThese adjustments will appear on a future monthly billing statement, and as of the date of this letter, Mr***' account reflects a $balance
Additionally, the account has been closed per Mr***' request in the inquiry, but he may still order from us using Visa, MasterCard, Discover and American Express
Thank you for allowing us to assist and explain
Sincerely,
***
Executive Care Team
VF/ah

Initial Business Response /* (1000, 7, 2015/04/06) */
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***'s
WebBank/Fingerhut account is a revolving account which means there is a required minimum amount due each monthIn order for payment to be applied to a given month, it must be received after the date the account cycles, currently the 7th of the month
For example, for a payment to have been applied to the March statement, the payment must be been received any time after February 7, through March 3,
According to our records, a payment of $was processed on the cycle date February 7, We understand that Ms*** intended that payment to be applied for her March 3, payment, but the payment was made on her cycle date so it went toward the principle balance and not toward the March 3, payment
A payment for $received on March 23, brought Ms***'s account current
The late fee of $that was charged to Ms***'s account on March 3, was credited back to her account on March 30, The late fee credit and Ms***'s payment of $will be visible on her next statement which prints April 7,
Thank you for allowing us to assist and explain
Sincerely,
***
Executive Care Team
VF/lg
***copied and pasted from email
Initial Consumer Rebuttal /* (3000, 9, 2015/04/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not except the explanation because on February 7th, I went on the website to see if I had any payments due, and on that day, my minimum payment was 23.00, therefore I paid that amount for March 3rd because the bill clearly was accessible for me to pay the bill that is dueIf I paid early, it would have an N/A for the minimum payment amount which at that time it didn't so I can't accept that explanation because I did everything correctI do accept them giving back a late fee I should have never received in the first place but this company has to be more transparent because I wouldn't had made that payment if the due date and amount was available for me to view and pay for March 3rdFor now on I will not pay my bill when the statement comes out but I find that to be disturbing that I have to wait a day or two just to pay my bill so it will count as a payment for that payment cycle
Final Business Response /* (1000, 12, 2015/04/21) */
CONFIDENTIAL COMMUNICATION
April 20,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms*** ***
Case #: ***
Dear Ms***,
I am writing in response to a second inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut Credit Account
Ms*** states in her complaint that she does not accept that she cannot pay on her cycle date, but she will stop making payments the day her statement prints as Fingerhut's system requires
Ms*** agreeing to make her monthly payments on the eighth or later will resolve this issue in the future
Thank you for allowing us to assist and explain
Sincerely,
***
Executive Care Team
VF/lg

Initial Business Response /* (1000, 5, 2015/03/19) */
CONFIDENTIAL COMMUNICATION
March 18,
Revdex.com of Minnesota
Attn: *** ***
*** S*** *** ***
*** ** XXXXX
Re: Mr*** ***
Case #:
XXXXXXXX
Dear Ms***
I am writing in response to an inquiry received from your office on behalf of Mr*** *** regarding his WebBank/Fingerhut Credit Account
Mr*** states that Fingerhut charged him an unknown fee for $and it caused him to get a thirty day late reported to the credit bureausHe would like the delinquency removedMr*** also states he never requested electronic statements and depends on paper statements to remind him of his payment due date
According to our records, the balance on Mr***'s February 28, statement was $2,The minimum due by March 24, was $103.18, which was calculated at 5% of the balance
A payment of $was received March 27, 2014, leaving a past due amount of $On March 28, 2014, the account was reported as current to the credit bureaus
The minimum due according to the March 28, statement was $105.25, which included the past due of $No payment was received by April 28, 2014, so the account was reported thirty days late
A $payment was received on May 9, The $payment received on May 22, 2014, brought the account current, and the account was reported current on May 28,
When a payment is not received or is not the correct minimum amount due as indicated on the monthly billing statement, the minimum payment due the next month will be higher and will continue to be higher until the correct minimum amount due is received
Mr*** applied for credit with Fingerhut online on August 4, At the time of application, Mr*** selected the option to have his statements sent to him electronicallyThere are no notes on the account in which Mr*** contacted Fingerhut regarding the delivery of his statementsA paper statement was mailed in April per Fingerhut's policy to mail a statement when an account is past due
Mr*** was notified of WebBank/Fingerhut's reporting policies when his account was opened on August 4, According to the Terms and Conditions Mr*** received when he opened his account:
"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 agenciesConversely, accounts that are in good standing will be reported as well."
A note dated November 13, states Mr*** said it was his bank that made an error in sending only $instead of the $that was dueIf Mr*** sends a letter from his bank admitting to this error, Fingerhut will review the account for additional consideration
Mr*** paid his balance in full on November 13, His account remains open with a credit limit of $2,
If Mr*** still has questions about his account and what has or has not been reported to the credit bureau, he may contact us at the address listed above or by calling us toll-free at X-XXX-XXX-XXXX, Monday - Friday, 9:AM - 6:PM Central Time
Sincerely,
** ***
***
VF/lg
Initial Consumer Rebuttal /* (3000, 12, 2015/04/07) */
I have no idea the reason that Fingerhut is lying about the facts of my fileTHE REASON THAT I HAVE A LATE PAYMENT FOR 4/IS DUE TO $WHICH NO ONE TOLD ME ABOUT.I received a phone call from a repevery month to tell me that it was necessary to bring my account currentI was told you need to pay $you need to pay $If I had been told $or $I would have pay the correct amountI am contacting the Attorney General's Office and filing a formal complaintI will go to the Supreme Court if necessary until this late payment of $is removed off my credit reportAccording to FCRA, FTC, ECOR and FACTA you can't report incorrect information on my credit reportTHIS IS INCORRECT INFORMATION SO DELETE THIS INFORMATION OFF MY CREDIT REPORT IMMEDIATELY

CONFIDENTIAL COMMUNICATION
March 15, #***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge
Circle
Burnsville, MN
Re: Case # *** -***, ***
I am writing in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Gettington Credit Account
As the above referenced account is a revolving credit account, 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 Variable Annual Percentage Rate (APR) of 20.15%, and the monthly charges will vary in relation to increases or reductions in the account balance from month to monthNew terms and conditions were sent to Ms*** regarding the increase in her APR on January 13, This information can also be found by going to www.gettington.com and clicking "terms and conditions" at the bottom of the homepage
We currently do not offer a lower APR
Thank you for allowing us to explain and assist
Sincerely,
Vi ***
Executive Care Team
VF/bw

Initial Business Response /* (1000, 7, 2015/04/13) */
CONFIDENTIAL COMMUNICATION
April 10,
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
I sincerely apologize to Ms*** for any inconvenience caused by the missing order of two GPX 15.6" 720p LED TVs
I have thoroughly reviewed Ms***'s account and offer the following informationOn June 13, the two GPX 15.6" 720p LED TVs, were delivered by UPS to Parkside AveApt 1, Philadelphia, PA This information can be located with the tracking number; 1Z555W
On June 23, Ms*** informed Fingerhut Customer Service that she did not receive her two GPX 15.6" 720p LED TVsThe representative sent out an affidavit by regular mail
On Ms***'s account, the address she lists for herself is the same address to which the merchandise and affidavit were mailed to
We received Ms***'s affidavit back on November 4, The affidavit was denied due to length of timeAs stated on the affidavits "please complete the entire form on the other side and return it as soon as possible or at least within business days."
Statements were sent out to Ms*** every month, informing her of the balance on her Fingerhut account
Since no payments were received the account went into delinquent status; the account was then sold to ***
If Ms*** has further questions regarding what *** is, she may contact *** at ***
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/CC
Initial Consumer Rebuttal /* (3000, 9, 2015/04/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The affidavit stated to be returned as soon as possible.I have major health issues.I returned the affidavit late due to being hospitalizedI reside in an apartment building with another tenant above meI am located on the first floor and did not receive my products at anytime but was billed for them
Final Business Response /* (4000, 16, 2015/05/12) */
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 we received from your office on behalf of Ms*** ***
Ms*** contacted Fingerhut Customer Service on June 23, to advise she did not receive her two GPX 15.6" 720p LED TVs she ordered on June 9, An affidavit was sent out by mail to Ms*** to the address we have on file ***, Philadelphia, PA
The tracking information for Ms*** order placed on June, 2014, shows UPS was unable to deliver the package twice due to no one being available to receive the packagesWhen UPS is unable to deliver merchandise they will make up to three attempts, if they are unable to reach anyone they will leave a slip notifying the next date they will attempt to deliver the package
UPS tracking information indicates the packages were delivered the packages to the address ***, Philadelphia, PA on June 13,
As stated in our previous response, Ms*** informed us that she did not receive her two GPX 15.6" 720p LED TVs on June 23, and an affidavit was sent to her on that same dayThe affidavit was not received by us until November 4, As stated on the affidavits "please complete the entire form on the other side and return it as soon as possible or at least within business days."
As the affidavit was received after the business days, we are unable to credit for the two GPX 15.6" 720p LED TVs
As stated in our previous response; the account has been sold to ***If Ms*** has further questions regarding what *** is, she may contact *** at ***
Thank you for allowing us to explain
Sincerely,
***
Executive Care Team
VF/CC

Initial Business Response /* (1000, 5, 2015/11/30) */
CONFIDENTIAL COMMUNICATION
November 27,
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 Microwave Pantry on August 11, Ms*** contacted Fingerhut on November 23, stating she was missing four of the hingesAt this time she was told it was over the day period, and we would not be able to send the hinges
On November 27, a representative attempted to call Ms*** to inform her that the inner and outer hinges are attached together with a small screw, and that, with this information, she should check her item again as she should have received all of the hinges
If Ms*** reviews her item and still has not been able to locate the additional hinges, she should call Fingerhut Customer Service at ***, Monday through Friday 8AM-8PM Central Standard Time
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 7, 2015/12/10) */