Bluestem Brands

Initial Business Response / [redacted] (1000, 5, 2015/07/22) */ CONFIDENTIAL COMMUNICATION July 21, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountMs [redacted] is a valued customer, and we regret any difficulty she experienced as a result of the changes to her credit line as described in the inquiry 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 restoredCustomers are sent reminders of the temporary increase by regular mail or email; this was the case with Ms [redacted] , and we apologize for any confusion these reminders may have caused Prior to the most recent temporary increase we issued, Ms [redacted] 's regular credit limit was set at $This is what we intended to explain with the first letter she states she received titled "Credit Update"; there was no expiration date given since it had to do with her regular fixed limit only On April 2, 2015, Ms [redacted] 's account was issued a temporary credit line increase of $(making her new, temporary limit $1004)This is what was explained in the second letter she states she received titled "Great News!"Included was the temporary increase expiration date of June 30, 2015, which Ms [redacted] confirms having seenIt intended to explain that however much of the $Ms [redacted] used for new purchases before the expiration date, she would receive the same amount as a permanent increase to her regular fixed limitIf she did not make any new purchases before the expiration date while still making on-time payments during that time, she would still receive a $permanent increase to her regular fixed limit Our records show that Ms [redacted] did not make any new purchases before the temporary increase expired on June 30, Because all of her payments were made on time, she did receive the $permanent increase on July 5, As a result, Ms [redacted] 's new fixed credit limit is $Unfortunately, the order Ms [redacted] attempted to place on July 4, for $was declined because the temporary increase had already expired, and she no longer had sufficient available credit for it We apologize, but we are unable to reinstate the previous increase because they are issued as a result of ongoing, systematic monitoring of account activity dataMs [redacted] will be notified if and when our system again determines her to be eligible for such an increase Thank you for the opportunity to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) The "ongoing, systematic monitoring of account activity data" is obviously not a part of your consumers understandingI am sure I am not the first person who has gotten mixed messages from your advertisingIf you state that there is a credit deadline on one letter & follow up with succeeding letters which state credit update in huge letters which have no deadlines on them, there is no way to draw an absolute conclusion about the processYour calculations may have an ongoing theory of operation but there is no way for the consumer to actively absolutely calculate what is available, meaning the final decision will be up to Fingerhut when & if they want to make allowances - the consumer will remain unsureIn addition, we really don't want to be breaking out our calculators to try & decide how much credit we may be getting (& whether or not we really have a deadline) - which by the way I did observe only on the first advertisementSo maybe you could be more consistent & less confusing about deadlines, that is, if you really want people to spend money - it would be helpfulSo - no I am not satisfied with your answer & you have lost a good customer

CONFIDENTIAL COMMUNICATION face="Arial" size="2"> April 15, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] placed an order on our website on March 14, for two Fisher-Price Power Wheels 12V Kawasaki Brute Force Ride-Ons totaling $1,On March 27, Ms [redacted] emailed us to advise the items she received were different than the offer advertised on our websiteIn the description of the product on our website based on the information we received from our vendor indicated the item was a two-seater, included sound effects and has a maximum weight limit of lbsMs [redacted] advised us when she received the item(s), it had one seat, no sound effects and a maximum weight limit of lbs We referred the information Ms [redacted] shared with us to our vendor to verify/update the description they provided for the item on our websiteWe were able to validate the item only has one seat and no sound effects and the description has since been updated on our websiteWe are still researching the maximum weight limit with our vendor since according to the Fisher-Price website the maximum weight limit is listed at lbsOnce we have the information needed we will determine if a change needs to be made on our websiteWe make every effort to ensure the information we have is valid and we appreciate Ms [redacted] bringing this to our attentionThe price reflected on our website and that Ms [redacted] was charged is correct for the item she receivedWe sincerely apologize for any inconvenience the incorrect description may have causedAs a courtesy we have credited $for each of the Ride-OnsMs [redacted] will see the credits within 1-billing cycles on her monthly billing statementNo further discounts or credits will be issued Our customers are very important to us and we strive to assist and satisfy themI trust with this information we have done so with Ms [redacted] Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw

Initial Business Response / [redacted] (1000, 6, 2014/11/25) */ CONFIDENTIAL COMMUNICATION November 25, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] Dear Ms [redacted] , I am writing in response to the inquiry that we received from your office on behalf of [redacted] regarding the refund on his WebBank/Fingerhut FreshStart Credit Account According to the notes on the account, the overpayment in the amount of $was sent back to Mr [redacted] on November 14, It should be received at the address we have on file within days of that dateWe consider this issued closed at this time The terms of the WebBank/Fingerhut FreshStart Credit Account state: You may not be eligible to be considered for a WebBank/Fingerhut Credit Account if you die, file for bankruptcy, enter a consumer credit counselling service program, make any past due payments, or have any payments returned unpaid, or if you enter any other negative credit status Per the terms of the account, Mr [redacted] 's account was not eligible for graduation to a WebBank/Fingerhut Advantage Credit Account at the time it was paid offThere were two late payments that were not received by the due dates of May, 05, and the other from August 05, The payments were received on May 13, and August 16, Instead of losing the opportunity presented by the WebBank/Fingerhut FreshStart Credit Account, we will be issuing a WebBank/Fingerhut FreshStart Retry Credit Account to Mr [redacted] The account will be evaluated and a notification that the new account has been created will be sent to him by December 14, This account with have the same terms and conditions as the original credit account he received, and it will allow him to reattempt the program Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw

I am rejecting this response because: First off, my account balance is IRRELEVANT to this issueI KNOW the shoes have to be returnedI didn't want credit on my account as I need a pair of shoesYou are waiving shipping but that still penalizes me because it increases my balance and interest charged on that balance until this is completed.Its funny as long as I have been your loyal customer that you are giving me such a run aroundWere this ordered from Amazon, it would have already been replaced and the defective shoes would be on the way back to themI will not accept any offered solution by you that doesnt replace these shoes without causing a penalty to me in balance/interest/payment going up on my accountI make my payments regularly and have only been late once since I opened an account with you

Initial Business Response / [redacted] (1000, 5, 2016/02/11) */ CONFIDENTIAL COMMUNICATION February 11, Revdex.com of Minnesota # [redacted] Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, Terms and Conditions, credit application and all five monthly statements In Ms***'s complaint, she states that she ordered merchandise from Fingerhut in September, totaling $She further states she has made payments of $in October, $in November, $in December and her bill, this month, was for $Ms***'s desired resolution is an explanation of her account balance Our records indicate the WebBank/Fingerhut credit account ending in was opened on August 27, 2015, when an application for credit was processed with a representativeAn order was placed on September 14, for a Haier 65-Pint Electric Dehumidifier, alcove Microfiber 84" x 84" Window in a BagChocolate, alcove Kellen 8pc Bed Set - Queen, alcove Briar Comforter Set + Free Sheet Set KingBriar, and an alcove Devereau 20pc Bedroom Set - QueenThe purchase made on September 14, 2015, totaled $ According to our records, payments were made for $on October 23, and $on December 1, from a Visa debit card ending in To date, no further payments have been received Ms***'s payment due date is the fifteenth of each month 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 receivedAdditionally, we may charge a late fee and interest charges will accrue on the balance owed As of February 11, 2016, Ms***'s WebBank/Fingerhut credit account balance is $with a past due of $ To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a minimum payment of $is due by February 15, If Ms [redacted] is unable to make the full minimum due, her account may qualify for a payment plan Ms [redacted] may contact our Billing Department at [redacted] to discuss payment optionsTheir hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/02/22) */

Initial Business Response / [redacted] (1000, 5, 2014/06/16) */ CONFIDENTIAL COMMUNICATION June 13, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms***, I am writing in response to the inquiry that we received from your office on behalf of [redacted] The inquiry alleges a WebBank/Fingerhut Advantage Credit Account was opened via unauthorized use of [redacted] ' personally identifiable informationWhen a customer claims they did not open an account, we have certain policies and procedures to follow so we can investigate the matter We are mailing [redacted] an affidavit of "unordered merchandise," and advise to allow up to ten business days to receive itAs a reminder, it is very important that the entire affidavit be completely filled out, signed, and dated by [redacted] Additionally, we will need [redacted] to file a related police reportThis is because the order placed on the account was of a substantial monetary value As we understand the severity and urgency of this situation, [redacted] may fax the completed affidavit and related police report to [redacted] , Attn: ***We will further investigate this matter once we have received this information Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/06/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have already submitted a copy of the police report several years agoSince this was a mailbox on private property theft by a Post Office Employee (which was aired on TV) the police report is very basicI will fill out the afidavit but the copy of the police report is no longer easily available for meI will gladly provide the number to the police precinct and you may contact them with the police ID # and you can pay for a new copy to be mailed to youIf you find my old file it should already have a copy of both from several years ago in itI mailed it to you the first time I contacted you regarding this issue years agoPlease provide me a copy of what was sold and what address it was mailed toI have no information and when I call fingerhut they cant find me in the system

[redacted] CONFIDENTIAL COMMUNICATION left;" align="left"> March 28, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding his WebBank/Fingerhut Credit Account Mr [redacted] states even though his account was sold, Fingerhut accepted payments on February 8, and February 10, Mr [redacted] further states he was told the payments should have been forwarded a couple of days after they were received, but the collection agency, Jefferson Capital, still has not been notifiedAs he made the payments a month before Jefferson Capital reported the account to the credit bureaus, Mr [redacted] is requesting that Jefferson Capital to delete their trade line and for Fingerhut to update their trade line to reflect paidAccording to our records, an application for credit was processed June 24, when an order was placed online for a Lee Men's Carpenter Shorts and a Lee Men’s Belted Cargo Short - RegularThe name and address on the application is the same one Mr [redacted] provided when contacting us regarding this issuePayments were processed with a checking account, MasterCard and Visa debit card in the name [redacted] The last payment received was on May 22, for $ Mr [redacted] ’s account charged off with an unpaid balance of $on December 11, and Fingerhut ceased collection activity The account was sold to Jefferson Capital on December 30, Fingerhut reported Mr [redacted] ’s account to the credit bureaus on January 13, as Transfer/Sold with a balance of zeroNo further updates have been sent as Fingerhut no longer owns the accountAccording to our records, Mr [redacted] made an online payment of $on February 8, On February 10, 2016, a second online payment for $was received Had Mr [redacted] contacted Fingerhut before he processed the payments online, he would have been redirected to Jefferson Capital We have verified that Mr [redacted] ’s two payments received after the account was sold were forwarded to Jefferson Capital on March 10, Please be advised that it can take up to sixty days for the payments to be forwarded and applied once an account is sold Mr [redacted] corresponded with an agent via our online chat feature on February 29, and March 18, Mr [redacted] was advised the money would be forwarded, but no time frame was provided According to an account review on March 22, 2016, Fingerhut is reporting Mr [redacted] ’s account accurately as Transfer/Sold or Purchased By Another Lender with a balance and past due of zero We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Mr [redacted] ’s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Mr [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly ###-###-#### Thank you for allowing us to explainSincerely, Kari [redacted] Executive Care Team KD/lg

Initial Business Response / [redacted] (1000, 9, 2015/04/08) */ CONFIDENTIAL COMMUNICATION April 8, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account I sincerely apologize to Mr [redacted] for any inconvenience caused when he had returned his order placed on January 23, I have thoroughly reviewed Mr [redacted] account and offer the following information Stated in the Fingerhut Choice Plus Terms and Conditions, "You have the right to cancel your Fingerhut Choice Plus Membership at any timeIf you cancel your Membership, you will be entitled to a full refund of your membership fee only if you cancel during the first thirty days of your initial or renewal Membership termIf you cancel your membership after the first thirty days of Membership, you will be refunded your Membership fee on a pro rate basis based on the number of months remaining in your MembershipCancellation requests must be communicated to Fingerhut at the Fingerhut Choice Plus Customer Service address or telephone number listed in Section 12." Mr [redacted] joined Fingerhut Choice Plus on January 23, 2014; Fingerhut Choice Plus was then ended on January 24, Mr [redacted] states he was told that when he returned his order, the Fingerhut Choice Plus, would be cancelledWe apologize if Mr [redacted] was provided this incorrect information.Mr [redacted] order was credited back for the merchandise but unfortunately, not for the Fingerhut Choice Plus, which left a balance on Mr [redacted] 's account Statements were sent out to Mr [redacted] every month, informing him of the balance on his Fingerhut account Since no payments were received the account went into delinquent status; the account was then sold to [redacted] As an exception we have requested Mr [redacted] 's' account be purchased back from [redacted] Once we are in possession of the account, Mr [redacted] 's credit reporting will be updatedThis process can take up to days If Mr [redacted] has further questions regarding what [redacted] is, he may contact [redacted] at [redacted] We apologize for any inconvenience this matter has caused Sincerely, [redacted] Executive Care Team VF/CC

Initial Business Response / [redacted] (1000, 5, 2014/07/18) */ CONFIDENTIAL COMMUNICATION July 17, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms***, I am writing in response to the inquiry that we received from your office on behalf of [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] 's account indicates that an order was placed on May 25, for a Lifetime Tamarack Sit On Top Kayak onlineOur tracking information indicates that Ms [redacted] refused delivery of the shipment and it should have been sent back to Fingerhut Upon further investigation we found that the shipment Ms [redacted] refused was still at the freight company's terminal While we strongly advise customers to make their minimum payment to keep their account in good standing, we recognize the factors that caused a balance to exist on Ms [redacted] 's account that, under circumstances, would not normally have arisenWe have issued a credit for the Lifetime Tamarack Sit On Top Kayak, late fees and finance chargesAdditionally, our records indicate that no negative information was reported to the credit bureau regarding Ms [redacted] 's account in relation to this matter As of July 17, 2014, Ms [redacted] 's account has a zero balance We apologize for any inconvenience this may have causedOur customers are very important to us and we strive to assist and satisfy them Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ca

CONFIDENTIAL COMMUNICATION May 19, 2016 RevDex.com of Minnesota # [redacted] Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted] – [redacted] , [redacted] Dear Ms. [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] . As Mr. [redacted] maintains no continuity plans were ever authorized, Holsted Jewelry undertook another review of this issue, which included an exhaustive search of any and all of their records pertinent to it. They advised that fraud indicators were found, and were sufficient to the extent required for their purposes and to substantiate Mr. [redacted] ’s claim so that a full refund has been issued to him. The total amount of Holsted charges made to his account was $469.82. Allowing for the partial refund already issued for the two items they received as returns in July 2015 totaling $99.98, Holsted has issued the remaining amount owed to Mr. [redacted] of $369.84 as a refund back to his account. The total accrued interest for the Holsted charges was $78.06, and this amount has also been credited. These credits have already posted to Mr. [redacted] ’s account and will reflect on a future monthly statement. As of this response, Mr. [redacted] ’s current balance, which we maintain is fully accurate, is $950.62. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/ah

CONFIDENTIAL COMMUNICATION December 29, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut Advantage Credit Account for Mr [redacted] Mr [redacted] states his order had a guaranteed delivery date of December 22, 2016, but as of the inquiry filing date of December 23, it had not been delivered and won’t be until December 27, Mr [redacted] states the guaranteed delivery date was not honored Our records confirm an order was placed on Mr [redacted] ’s account on December 18, for a Silvertone Black Electric Guitar KitRecords show it was a “Guaranteed Christmas Delivery” eligible item, though we reviewed the tracking information which reflects it was not delivered until December 27, On the same date, a representative from our Executive Care Department called Mr [redacted] Due to the inconvenience, the representative issued a $discount to the order and offered an apology; Mr [redacted] indicated these actions brought about a satisfactory resolution to the matter Please note that this credit has already been applied to the account and will appear on an upcoming monthly statement for Mr [redacted] ’s recordsWe appreciate Mr [redacted] ’s patience and understanding while we worked toward this resolution Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah

Initial Business Response / [redacted] (1000, 5, 2015/06/17) */ CONFIDENTIAL COMMUNICATION June 17, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Based on the information provided in the inquiry, it is clear that it was not filed by the account holderIn the interest of customer confidentiality, we will send a response directly to the customer Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw

I was only weeks late on a payment after being with this company for over yrs paying on time and I get a call from the billing dept at 11:pm on a week night I told the woman calling it was too late and try to call at hours and she actually said to me "I can call you anytime I like" So very unprofessional and rudeNot happy at all with the practice of this companyI'll never order from them again

Initial Business Response / [redacted] (1000, 5, 2014/08/18) */ CONFIDENTIAL COMMUNICATION August 18, # XXXXXXXXXX Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear [redacted] I am writing in response to the inquiry that we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We sincerely apologize for any unacceptable service that Mr [redacted] may have encountered while speaking with our phone agentsAs a reassurance, we are pursuing his claim of poor service and being hung up on - it is vital our agents adhere to our quality standards with each and every customer interaction To clarify to Mr***, he has met the requirements to "graduate" from the Fingerhut FreshStart programHis transition from a FreshStart Account to his newly created Advantage Account jus occurred on August 10, The initial credit limit increase that results with the new account is pre-determined based on whichever limit the customer first qualified for when approved for the FreshStart programIn the case of Mr***, his FreshStart credit limit was $230, which means our system will automatically issue him a starting limit of $upon successfully graduating FreshStart We again apologize if Mr [redacted] was given misinformation that he would be given a $credit limit upon graduationThe correct amount he has been issued is $However, once he utilizes his credit line and ensures that no payments are late or missed, it will likely be a few months before our system issues him another credit line increase Our customers are important to us, and we strive to assist and satisfy themWe trust by the measures we have taken as well as this explanation that we have done so with Mr*** Thank you for allowing us to explain Sincerely, [redacted] VF/ah

CONFIDENTIAL COMMUNICATION New Roman" size="3"> May 16, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] has stated she ordered items in the amount of $on her Fingerhut Credit Card Account and never received the package that was sent to her via UPS Tracking [redacted] She claims UPS has no record of this deliveryMs [redacted] states that Fingerhut is making her pay for a package that she never received and has repeatedly tried to resolve this issueShe has requested a credit to her account of $ Our records indicate that the tracking number for this package was delivered March 23, at 10:AMThis information is available on the UPS websiteDue to this information, it is our policy that Ms [redacted] provide us with a copy of a police report in order to further investigate the merchandise not receivedWe were given information for a police report, but when we called the Paris, Texas police department they were unable to verify the report under the case number givenAt this time, we would need a copy of a valid police report Please mail the police report to [redacted] Saint Cloud, MN or fax to ###-###-#### attention: Executive Care Team –Jessica Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm

May 20, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, credit application, Terms and Conditions, and the last three statements Ms [redacted] states in her complaint that, even though she made a settlement payment of $on April 8, which was the full amount of what the collection agency offered her, she is still receiving collection callsMs [redacted] further states that this account is negatively affecting her credit score and causing stressMs***’s desired resolution is to remove the account from her credit report Ms [redacted] further stated that the collection agency be contacted so they can close her account The WebBank/Fingerhut credit account ending in was opened on September 12, when an application for credit was processed online The first order was placed on September 27, for a Magnavox 24" 720p LED TVThe merchandise was shipped by UPS Ground to the address provided on the application Two payments were received on this accountThe last payment of $was received online November 27, with a checking account ending in The unpaid balance of $1,charged off on June 29, and the account was sold to Jefferson Capital on August 4, An account review on May 20, confirmed that the credit bureaus are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance and past due of zero We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Ms***’ Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well As a courtesy, Ms [redacted] concerns have been forwarded to Jefferson Capital SystemsJefferson Capital can be reached directly at ###-###-#### Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures [redacted]

Initial Business Response / [redacted] (1000, 8, 2014/07/25) */ [redacted] is not the account holder of the accountThe account belongs to her brother, [redacted] When [redacted] called we advised we are not authorized to speak with 3rd partiesTo address the merchandise not received issue: We followed our policies and procedures when handling this matter with the account holderWe have communicated with ***, the account holder, via mail and email, and he has not directly disputed our denial to the merchandise not received claim Denial reasons: - Length of timeBoth orders were delivered on December 18, PayCheck Direct sent an affidavit on February 6, and did not receive it back until March 31, - Affidavit was not signed by account holderIt was completed by [redacted] [redacted] lives at the ship to address, however [redacted] as the account holder was required to sign the legal document - [redacted] indicated on affidavit that the item on [redacted] was received [redacted] claimed merchandise not received was on [redacted] , however this order was returned with the original packing slip to our warehousing facility and credit was given***, the account holder, is being charged for [redacted] which was never reported as missingThis indicates both orders would have been received on December 18, per FedEx tracking - No police report was filed as requested with the original affidavit After we denied the claim, we did receive a police report on May 12, 2014, however due to the length of time and our investigation, the claim was still denied

Initial Business Response / [redacted] (1000, 7, 2015/04/13) */ CONFIDENTIAL COMMUNICATION April 13, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms***'s account indicates an order for a Butterball Indoor Electric Turkey Fryer was placed on November 28, Our records indicate that Ms [redacted] notified us that she did not receive the scheduled delivery of the Butterball Indoor Electric Turkey Fryer on December 15, When a customer states they have not received the merchandise ordered, Fingerhut has policies and procedures in place in order to conduct an investigationOur records indicate that a non-receipt of merchandise was sent to Ms [redacted] on December 15, Our records indicate we received Ms***'s completed affidavit on January 5, and refund for the merchandise was issued to her accountUnfortunately, the credit for the two year extended service plan was not issued at this time leaving a small balance on Ms***'s account We have issued a credit to Ms***'s account for the two year extended service plan, late fees and interest chargesMs [redacted] currently has a zero balance on her accountAn electronic update has been sent to the bureaus (Ref# [redacted] )Please allow up to days for Ms***'s credit report to be updated Ms [redacted] is a valuable customer and we apologize for any inconvenience this matter may have caused herThank you for allowing us to assist and explain Sincerely, [redacted] Executive Care Team VF/CC

CONFIDENTIAL COMMUNICATION Roman" size="3"> June 22, 2016 RevDex.com of Minnesota # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – ***, [redacted] Dear Ms. [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states the secondary phone number on his Fingerhut account is inactive. He would like this number removed from his records. Our records indicate Mr. [redacted] contacted Fingerhut on June 16, 2016 to have the phone number ###-###-#### removed from our records. On that same date we removed the number from our records. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I guess there ain't nuttin I can do about it but why does it take going to the Revdex.com to get an honest responce from someone at there company is beyond me