Bluestem Brands

Initial Business Response / [redacted] (1000, 7, 2015/02/17) */ CONFIDENTIAL COMMUNICATION February 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 Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] 's order dated December 7, for a Uniden Guardian Video Surveillance System Greflects that Mr [redacted] requested to cancel it the following day Please understand that, in addition to products shipped from Fingerhut fulfillment centers/warehouses, many of our products are shipped directly from the vendors providing themThe surveillance system is one of our vendor/manufacturer supplied items; due to the additional time required to notify them, vendors often receive cancellation requests after shipment has already occurred Regrettably, Mr [redacted] 's item shipped, but we appreciate his cooperation returning it to us shortly afterwardsWe received it on January 14, and Mr [redacted] received credit for the full merchandise price Our standard policy is that the original and return shipping/handling costs for returned items are the responsibility of the customer--except in the case of defects, damages, shipping errors and other select situationsMr [redacted] 's is one of those select situations, and he has now received account credits covering all shipping/handling costs as well as all late fees and interest that accrued as a resultThese credits will be documented on a future monthly billing statement for Mr [redacted] 's records Additionally, there has been no negative report to the credit agencies with respect to this matterHis account reflects a $balance as a result of these adjustments as of the date above Thank you for allowing us to assist and explain Sincerely, [redacted] Executive Care Team VF/ah

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

Initial Business Response / [redacted] (1000, 9, 2015/02/24) */ CONFIDENTIAL COMMUNICATION February 24, # [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 Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account It is in regards to Mr [redacted] 's past enrollment in SafeLine Account Protection Plus (SafeLine Plus)This is an optional debt-waiver plan offered by the issuer of the Fingerhut Credit Account to its customersThe monthly fee for the plan is $for every $of the credit account statement balance and is disclosed in the "fees" section of the customer's monthly statement Regarding the issue outlined in the inquiry, we contacted SafeLine Plus for their records to appropriately balance information from all sidesThey advised Mr [redacted] contacted them on June 27, first requesting to initiate a benefit claim of "life event: change of residence." A benefit activation application form with instruction letter was sent on June 30, to Mr [redacted] 's address of [redacted] Mount Airy, NC A second benefit application form with reminder letter was sent on August 11, as a result of SafeLine Plus not receiving the first application or any response regarding it from Mr [redacted] A third and final letter was sent on September 26, notifying that, as a completed application with required documentation still had not been received, Mr [redacted] 's benefit request was being closedWe apologize, but if Mr [redacted] returned these documents, SafeLine Plus is certain they never arrived as a result of an exhaustive search of their records They further advised that Mr [redacted] contacted them on December 31, requesting to cancel his enrollmentDuring this call he asked that all SafeLine Plus fees be refunded, and his full refund request was referred for considerationAs his Proof of Enrollment for the plan was found to be fully valid, he did not qualify for a full refundHowever, they issued Mr [redacted] an account credit for all SafeLine Plus fees assessed within the preceding days, in accordance with the plan's cancellation policyThe credit amount was $60.80, issued on January 9, As a reassurance to Mr [redacted] , his plan was cancelled effective January 8, Additionally, a copy of Mr [redacted] 's Proof of Enrollment was mailed to him on February 4, for his recordsWe have also credited the two most recent late fees on his account as a good will gesture; although they were already applied to his account, they will reflect on a future monthly billing statement Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 11, 2015/02/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) The information provided is incorrectI filled out the form that they sent me times returned it to them by mail and then also faxed a copy to them upon there requestThey never processed any assistance for me when I was in need of it so therefore they did not honor the agreement that was put forth by me paying the chargesSo I do not think that two months is good enough as I was out of work from July 2, to September 10, The Safeline company did not do as the agreed but are more than happy to take money from me as a customerI really enjoyed having a fingerhut card as they are a good company however I do not feel like the proper steps was followed and I did not get the relief that I was asking for when I was unemployedBecause of that I will only take the the removal of all fees that was associated with Safelink off of my account plus the late fees from when they should have been paying and did notIf this can be accomplished then I will be more than happy to catch my account up and get back on track getting account paid down and go back to however if this is not then I will have no further choice to contact an attorney to discuss further legal options and I do not want to do this I just want what is rightfully mine to be credited and continue where we left off and get the account current and mark this up to a bad experience with a bad insurance company and not with FingerHut as a whole Final Business Response / [redacted] (4000, 32, 2015/05/28) */ CONFIDENTIAL COMMUNICATION May 28, # [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 further inquiry we received from your office on behalf of Mr [redacted] We appreciate Mr [redacted] 's patience while we conducted a search for the SafeLine benefit activation application that he states he returned to usIn our last response, we asked that he return it by using the fax number or the mailing address providedWe did not find any evidence of having received it at either that fax number or that mailing address We also had the SafeLine servicing team search their records, as Mr [redacted] does not state where he sent the paperworkUnfortunately, they did not find any indication that they ever received it Further information will be needed to help us locate it, including the actual address where it was sent, a mailing receipt, etcOnce received, we will further investigate this matter Sincerely, [redacted] Executive Care Team VF/ah

Initial Business Response / [redacted] (1000, 7, 2015/02/11) */ CONFIDENTIAL COMMUNICATION February 11, 2015 # [redacted] RevDex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] - [redacted] , [redacted] Dear Ms.... [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. It is in regards to Ms. [redacted] 's purchase dated December 15, 2014 for a Goldtone Family Birthstone Name Ring. Her account is noted she contacted us on January 7, 2015 first notifying that the ring was defective and being returned to us. We received it as a return on January 16, 2015. Her account was not immediately credited as the return went under review to validate the defective claim and that it met the terms and conditions of the return policy. On January 22, 2015 Ms. [redacted] 's return was approved, and she received credit for the full cost of the ring, including shipping/handling. This will be documented for Ms. [redacted] 's records on an upcoming monthly billing statement. Ms. [redacted] is a valuable customer and we trust we have met her expectations of a satisfactory resolution. Thank you for allowing us to assist and explain. Sincerely, [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/02/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) The fact that I was with in my 30 days home trial so I thought it meant I would receive a another ring. Also when I called I was told they would send the ring back. I truly be leave finger hut just don't care about making good on there products.I see were there is no reason to proceed with this since there is no longer a ring. All I can do is no longer deal with fingerhut Final Business Response / [redacted] (4000, 11, 2015/02/16) */ CONFIDENTIAL COMMUNICATION February 16, 2015 # [redacted] RevDex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] - [redacted] , [redacted] Dear Ms. [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] . A customer service agent telephoned Ms. [redacted] on February 13, 2015 regarding the defective ring she returned. The agent reassured Ms. [redacted] of the account credits she received for the ring and the one-year extended warranty she purchased for additional coverage on it. Ms. [redacted] authorized a replacement order for the same item and a one-year extended service plan on it; the order was successfully placed by the agent. As a goodwill gesture, the agent advised that a 20% discount for $35.39 had been applied to the order total, and that she would see it on a future monthly statement. Ms. [redacted] indicated that she was satisfied with this outcome and considered this matter resolved; we appreciate her ongoing patience and understanding while we worked to achieve it. Thank you for allowing us to assist and explain. Sincerely, [redacted] Executive Care Team VF/ah

I am rejecting this response because: I did not receive the product, I told there customer service rep I would pay because I felt I had no other choice and I thought it eventually was a mistake they corrected since I did not receive anything besides phone calls about how to pay my billI moved from [redacted] in June of I did not receive any product in that timeAlso, there were teenagers living on the second floor of [redacted] and could of been stolen by one of them , so if your tracking is saying it was delivered but I never received anything I'm supposed to pay this debt because you have confirmation that you dropped the TV off on a porch without having any proper signature confirming the delivery? I must have had to sign something for the delivery guy and I never spoke to one so I don't know how thats confirmedI then didnt receive any Phone calls from them when I moved and my number never changed, again I thought it was settled due to no contact with me and never receiving the productI only just found out when the case got moved to get handle by another party and then received and phone call and then reached out to Revdex.com

Initial Business Response / [redacted] (1000, 7, 2015/08/17) */ CONFIDENTIAL COMMUNICATION August 11, Revdex.com of Minnesota # XXXXXXXXXX Attn: [redacted] S [redacted] XXXXX 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 that on November 26, Ms [redacted] ordered a NCAA Fairway Stand Golf BagThis item was then returned on December 22, We received the return, however there was a delay in credit being applied to Ms [redacted] 's accountMs [redacted] was issued full credit for the item on July 31, In addition to the credit, we also credited finance charges that were accrued by this item We sincerely apologize for the delay in issuing a credit to Ms [redacted] 's WebBank/Fingerhut Advantage Credit AccountHowever, Ms [redacted] made an additional purchase on November 29, 2014, for which we did not receive payments beyond January 9, When a payment is not received on our customer's WebBank/Fingerhut Credit Account, our Payment Department will phone with payment reminders and if our Payment Department does not speak directly with our customer, they will continue to call until they are able to reach them and discuss the payment that is owed on the account Our records indicate that due to severe delinquency, Ms [redacted] 's WebBank/Fingerhut Advantage Credit Account was charged off on August 7, As of the date on this letter the minimum due is $ We have updated the information on Ms [redacted] 's credit reporting to reflect the change in balance due to the delayed return of the item outlined aboveWe advise to allow up to days for the update to process Thank you for allowing us to explain Sincerely, [redacted] VF/KS Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/08/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have made numerous attempts to resolve this matter with fingerhutAll of which went unansweredI had been hung up on several times by their customer service department and I informed them that I will not be making a payment until this matter was clearedI do not understand why it took months for this matter to be resolvedWhy is it okay for the company to take their time to repay the customer, but not okay for the customer to get angry with the business for the same problemMy husband and I made several attempts to contact fingerhut, when calling from my phone the number would say the department was closed and to try back another timeMy husband was able to get to customer service by using another number, to which we can only assume my number was blockedMaking it impossible for this issue to be resolvedI do not appreciate the negative credit reporting on my account nor do you think this account should have been sent to collectionsI do not understand how this is not a criminal act against the consumerThis account balance needs to be cleared I have more then paid my debt to this company with the time and energy spent trying to make this rightThey should be ashamed of their actions Final Business Response / [redacted] (4000, 11, 2015/08/25) */ CONFIDENTIAL COMMUNICATION August 20, Revdex.com of Minnesota # XXXXXXXXXX Attn: [redacted] S [redacted] XXXXX Re: Case # [redacted] - [redacted] , Gina Dear Ms [redacted] I am writing in response to the further inquiry we received from your office on behalf of MsGina [redacted] regarding a WebBank/Fingerhut Advantage Credit Account As we stated in our last letter, our records indicate that on November 26, Ms [redacted] ordered a NCAA Fairway Stand Golf BagThis item was then returned on December 22, We received the return, however there was a delay in credit being applied to Ms [redacted] 's accountMs [redacted] was issued full credit for the item on July 31, In addition to the credit, we also credited finance charges that were accrued by this item We would like to sincerely apologize again for the delay in issuing the credit her Ms [redacted] 's account As we have previously stated, Ms [redacted] made an additional purchase on November 29, 2014, for which we did not receive payments beyond January 9, Ms [redacted] is responsible for payments on this item Our records indicate that due to severe delinquency, Ms [redacted] 's WebBank/Fingerhut Advantage Credit Account was charged off on August 7, As of the date on this letter the minimum due is $ Additionally, as Ms [redacted] is aware we have updated her credit report reflecting the change in balanceAs previously stated Ms [redacted] should allow up to days for the update to process Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS

CONFIDENTIAL COMMUNICATION August 24, 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 additional inquiry received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut Credit Account Ms [redacted] states her Fingerhut account was sold to [redacted] and [redacted] has issued documentation that the balance has been paid fullMs [redacted] is requesting that Fingerhut, as the original creditor, should make the corrections to her credit report that she is requesting or take their name off her account As stated in our previous response, Ms [redacted] opened a Fingerhut account on May 5, Three orders were placed on May 5, 2014, May 14, and May 19, Fingerhut did not receive any payments for the three orders placed on Ms***’s accountOn December 12, 2014, the account charged off with an unpaid balance of $and Fingerhut ceased collections Ms***’s account was sold to [redacted] on January 15, On January 15, 2015, Fingerhut reported Ms***’s account to the credit bureaus as Purchased by Another Lender with a balance and past due of $Since that date, Fingerhut is no longer sending monthly reporting to the credit bureaus because Fingerhut no longer owns Ms***’s account According to an account review on August 9, 2016, Equifax and Experian are reporting Ms***’s account accurately as Purchased by Another Lender or Transfer/Sold with a balance and past due of zeroA representative at Trans Union confirmed that they have deleted the Fingerhut trade line We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate 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 [redacted] has further questions regarding her account, [redacted] can be reached directly at ###-###-#### Thank you for allowing us to assist and explain Sincerely, Kari [redacted] Executive Care Team KD/lg

Initial Business Response / [redacted] (1000, 5, 2014/07/21) */ CONFIDENTIAL COMMUNICATION July 18, # [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 Our records do confirm that Mr [redacted] ordered a Norpole Btu Window Air Conditioner w/Remote on May 2, totaling $However, Mr [redacted] 's account activity also reflects charges for SafeLine Account Protection Plus fees and interest that have brought the account balance to its current amountI have included copies of Mr [redacted] last two statements SafeLine Account Protection Plus is a debt-waiver plan that Fingerhut directly offers its customersThe plan fees are charged to an actively-enrolled customer's credit account whenever a balance existsMr [redacted] accepted SafeLine Account Protection Plus when he placed an online order on November 19, He would have received terms and conditions at that time as well as updated terms and conditions in November of when program enhancements were made The monthly fee for SafeLine Plus is $per $of the total balance at the end of each monthly billing cycleThis fee appears on each statement when there is a balance on the account being covered by the planIt is located in the fees section of the statementand would have appeared as early as December 9, with Mr [redacted] 's first monthly billing statement It is the responsibility of our customers to review their billing statements each month regarding the charges and creditsIf our customers feel that there is an error in billing, we can review the error with our customer at that time Additionally, on the back of our monthly billing statements, under, "What to do if you think you find a mistake on your statement", it states the address to write to, and also states: "You must contact us within days after the error appeared on your statementYou must notify us in of any potential errors in writing" Our records do not indicate that Mr [redacted] ever contacted us regarding the charges for SafeLine PlusI have requested that the SafeLine Plus Account Protection be canceledAs a courtesy to Mr [redacted] , I have credited his WebBank/Fingerhut Advantage Credit Account for the last two months of SafeLine Plus fees totaling $He will see the credits on a future monthly billing statement Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ca

Initial Business Response / [redacted] (1000, 5, 2014/10/31) */ CONFIDENTIAL COMMUNICATION October 30, # [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 status of her order and the closure of her WebBank/Fingerhut Advantage Credit Account Ms [redacted] 's account was close at her request on September 24, It was reported as such to the major credit bureaus upon the opening of the next statement cycle on October 24, Additionally, we have updated the information on her account to the credit bureaus and advise it may take up to sixty days for the update to process On October 22, a credits for the shipping fee of $was issued and the return shipping fee was credited on October 16, At this time, the account balance is $This balance is visible on the statement that printed on October 24, As this situation appears to have been previously resolved, we consider this matter closed at this time Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw

August 10, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut FreshStart Installment Loan accountWe have included a copy of the account activity and Terms and Conditions Mr [redacted] states he paid his Fingerhut bill in full and it is not reporting as paid in full on his credit report Mr [redacted] is requesting a refund or the reporting on his account fixed Our records indicate, on October 8, 2014, an application was processed online using Mr [redacted] ’ personally identifiable informationMr [redacted] was approved for a Fingerhut FreshStart installment Loan account with a credit limit of $ The account did not graduate to a Fingerhut revolving credit account and Mr [redacted] was extended an offer to retry the FreshStart Installment Loan program On July 10, an order was placed online for a Bella Linea 12-Cup Programmable Coffeemaker, Orville Redenbacher by Presto Air Popper and an Elite Double Coil BurnerThe merchandise was shipped via UPS to the same address as provided on the application We received payments on this account from Visa debit card ending in [redacted] and an American Express debit card ending in [redacted] in the names of [redacted] and [redacted] respectively The unpaid balance of $charged off on March 21, and the account was sold to [redacted] on April 29, Once an account is sold Fingerhut no longer collects on the debt Our research indicates a payment was made online in the amount of $on June 4, after the account had been sold to [redacted] The payment was forwarded by Fingerhut to [redacted] on June 6, Please note Fingerhut does not allow payments to be processed with representative after an account is soldIf a customer chooses to use the United States Postal Service and/or the internet to make a payment to Fingerhut on a sold account, those payments are expedited to the account owner An account review completed on August 4, confirms that Equifax, Experian and Trans Union 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 Mr [redacted] ’ 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 [redacted] may be reporting, he may contact them directly at ###-###-#### Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures

CONFIDENTIAL COMMUNICATION Roman" size="3"> August 10, 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 Mr [redacted] purchased a generator from FingerhutHe states this product was poor quality and returned the product for creditHe disputes having to pay $for the return shipping on a defective item Our records indicate Mr [redacted] purchased an All Power 3250/Running Watts Gas Generator on June 18, Mr [redacted] contacted Fingerhut on July 11, stating he would be sending the product back to Fingerhut and on that same date a prepaid label was e-mailed to Mr [redacted] We received the item back from Mr [redacted] on July 19, On that same date credit for the full purchase price of $was issued to his account As the generator’s return reason was verified as being defective, Mr [redacted] is eligible for reimbursement of the $he states he paid to return the item to FingerhutWe do request documentation of this $before we are able to reimburse Mr [redacted] If Mr [redacted] has documentation confirming this $charge, such as a receipt, he may fax it to ###-###-####, Attn: Kristina, or mail it to [redacted] StCloud, MN For any additional questions Mr [redacted] may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS

As a new customer with Paycheck Direct (months) I would have to say that it was a bit of a bumpy road, but they QUICKLY changed my experience aroundI brought a treadmill and had it for only a week I believe? I called them and explained to them my concern about my purchaseIn no time, I received a letter in the mail with a paid postage to return the itemI have to admit that the whole return policy ran rather smoothly, despite a couple of glitchesOverall, I will be a returning customer! Sorry that there aren't enough positive reviews! I think you guys are doing great, especially for a company that hasn't been around for long!

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

I have been trying to get a hold of someone at Bluestem to help resolve a problem that I am having with GettingtonTheir website offers no phone number and when you get the number there is no way to speak to a live person I will no longer do business with any of the companies that they own ie, Fingerhut, Gettington etc

Initial Business Response / [redacted] (1000, 6, 2014/11/13) */ CONFIDENTIAL COMMUNICATION November 13, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] K [redacted] Dear Ms [redacted] , I am writing in response to the inquiry that we received from your office on behalf of [redacted] regarding a the missing phone card ordered on his WebBank/Fingerhut Advantage Credit Account Per the notes on his account, on November 10, we received written communication from Mr [redacted] advising us of the situationAt that time, our agent made an exception for the missing merchandise and issued a credit in the amount of $to his accountThe agent then placed a new order for a TracFone 450-Minute Airtime PIN CardAccording to our information this package shipped on November 11, with the tracking number [redacted] This package may be tracked by Mr [redacted] on the United States Post Office website or by contacting his local post officeThe Expected Delivery Date is November 14, at this time Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw

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] 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 January 30, for an Evertone Body Fat Analyzer and a Manicure/Pedicure SetThe Evertone Body Fat Analyzer shipped directly from our vendor on February 2, When Ms [redacted] contacted us on March 27, to advise us she did not receive the item we referred a message to our vendor requesting a follow up on the shipmentWe have no record of receiving any further information from our vendorWe sincerely apologize for this oversight on our partThe last tracking information available to us shows that the item was at a UPS facility but does not appear to have been delivered We have issued credit for the item in the amount of $We have also credited the interest charges and SafeLine Plus fees that were billed on the amount of the order Ms [redacted] did not receiveOnce the credits are completely processed we will send a refund check to Ms***The refund check will be sent for a total of $Please allow up to business days for Ms [redacted] to receive the refund Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw

Initial Business Response / [redacted] (1000, 8, 2016/03/08) */ CONFIDENTIAL COMMUNICATION March 8, # [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 Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate an order was placed on our website on December 3, for the Amouria Diamond 10K White Gold Diamond Fashion PendantShortly after placing the order, Mr [redacted] contacted our Customer Service Department and requested to cancel the item as Mr [redacted] wanted the item to be shipped to his work address instead of his home addressThe agent cancelled the order and Mr [redacted] replaced the order with the shipping address updated to his work address Our Credit Risk Department was unable to verify Mr [redacted] 's work address and due to the significantly large dollar amount of the order, the Credit Risk Department requested the order to be cancelled and a letter was mailed to the original address we have on file for Mr [redacted] advising him of the cancellation attempt and requesting him to contact our Credit Risk Department to verify the orderWhile the order status updated to a cancelled status, we were notified from our vendor that the order was already shipped and could not be cancelledPer the UPS tracking number, [redacted] , provided to us by our vendor the pendant was delivered to Mr [redacted] 's work address on December 8, A manual billing was created for the pendant based on the tracking information we received from our vendor We have not received the return of the pendantWe have also verified with our vendor that they have not received the return of this itemIn order for us to continue our investigation we are requesting the UPS tracking number and date the package was returned or a copy of the return receiptMr [redacted] can send a copy of the receipt to Fingerhut Attn: Becky [redacted] Saint Cloud, MN or via fax: [redacted] Attn; BeckyOnce received we will further investigate Mr [redacted] 's concerns Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw Initial Consumer Rebuttal / [redacted] (3000, 10, 2016/03/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) The package was handed back to the UPS drive for return sendingIt is not my fault, problem, or responsibility to correct your vendor's lack of competence or to track a package I should not have receivedI will be contacting a lawyer immediately if this is not rectified and will notify the proper credit agencies of the fraudulent charges made on a credit account in my name without proper authorization.The Revdex.com should not except this answer from this customer either as these are unfair business practices that improperly lay a significant burden on a potential customer because a lack of proper handling between the company and its vendorThis is not my fault and my credit WILL NOT be adversely impacted by this without legal consequences Final Business Response / [redacted] (4000, 12, 2016/03/15) */ CONFIDENTIAL COMMUNICATION March 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 further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate that Mr [redacted] placed the original order on our website and requested the item to be shipped to his home addressMr [redacted] contacted us by phone and cancelled the original order and, per his request, another order was placed and shipped to his work addressAt no point did Mr [redacted] request the order that was shipped to his work address to be cancelled As stated previously, per the UPS tracking number [redacted] , provided to us by our vendor the pendant was delivered to Mr [redacted] 's work address on December 8, The package was signed for by [redacted] at 1:PMMr [redacted] verified that he did receive the package and that he returned the package through UPSWhen Mr [redacted] returned the package, he should have received a receipt and/or a tracking number for the packageWe cannot issue credit for an item that we have not received We strongly suggest that Mr [redacted] contact UPS for further assistance regarding the tracking or whereabouts of this order Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw Final Consumer Response / [redacted] (3000, 14, 2016/03/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) It is not my job to reach out to anyone about something I did not orderYour company is lazyThis is between you, your vendor, and UPS and is not my problemI have contacted legal representation and the appropriate credit bureausThis is totally unethicalHow dare you charge someone for something they did not order? If you check your records, the order was cancelled because you told me you could not ship it to my job so I didn't want it and made an alternative purchase for my wife's giftI WILL NOT PAY FOR THIS BECAUSE I DON'T HAVE ITAlso keep in mind, I am suing you for damages, as well as time spent, and impact on my credit report for this lie even being reported to the bureausYour company is unethical

Initial Business Response / [redacted] (1000, 5, 2016/01/20) */ CONFIDENTIAL COMMUNICATION January 20, 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 Our records indicate on September 30, Ms [redacted] purchased three Visual Land Prestige Elite 8" 16GB Android Tablets with Keyboard CasesOn January 3, Ms [redacted] contacted Fingerhut stating her products are not working properlyWhile customer satisfaction if very important to us, we do require returns to be made in accordance with our Return Policy, which states: "We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are non refundableComputers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchanges or accept returnsOther product concerns must be handled under the manufacturers' warrantySoftware and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanges are permitted for the identical product only." For all concerns with these products Ms [redacted] will need to contact the manufacturer, Visual Land Inc., at [redacted] We apologize for any inconvenience this may causeThank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS

Initial Business Response / [redacted] (1000, 8, 2014/07/16) */ We have corrected the billing on consumers account and adjusted her paycheck deduction accordinglyWe have fulfilled our obligations to the consumer

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