Bluestem Brands

Initial Business Response / [redacted] (1000, 7, 2014/03/19) */ CONFIDENTIAL COMMUNICATION March 18, Revdex.com of Minnesota Attn: [redacted] South River Ridge Circle Burnsville, MN # [redacted] Re: Ms [redacted] Case# Dear Ms***, I am writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut Account On April 9, Ms [redacted] placed an order for a Unisex 10K Gold 4mm Lightweight Wedding Band size On April 24, she contacted us over the phone advising us that she wanted to return the item for exchange and she was advised to follow the return instructions that were included with her orderWe received the return of the item on May 2, and upon inspection of the item it was determined to be bentOn May 10, a letter was sent to Ms [redacted] advising that due to the condition of the ring when it was received we would not be able to issue credit or send an exchange and if she wanted it returned to her to contact usOn May 28, Ms [redacted] contacted us regarding the return of the ring and requested that the ring be returned to herOn June 4, the ring was returned to Ms [redacted] Per the information received from Ms [redacted] she did send the ring to the National Extended Warranty Company for repair and when she received it back from the warranty company she returned it to FingerhutWhen the item was received for the second time on August 8, and her account had been notated as receiving the ring as damaged previously it was disposed of on August 12, We have reviewed the notes regarding the return of this ring and it has been determined that we will issue credit for the ring and interest charges that were billed to her for this orderMs [redacted] will see these credit adjustments on her March 19, billing statement We are sending Ms [redacted] a $promotional coupon in the mail as a goodwill gesture due to any inconveniences she incurred due to this order Thank you for allowing us to explain Sincerely, [redacted] VF/rsh

Initial Business Response / [redacted] (1000, 21, 2014/09/23) */ CONFIDENTIAL COMMUNICATION September 23, # [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 that we received from your office on behalf of [redacted] regarding the balance on her WebBank/Fingerhut Advantage Credit Account In our prior response to the Revdex.com under case number [redacted] in reference to Ms [redacted] 's inquiry, we stated: "On December 17, Ms [redacted] placed an order on her account via our website for the PSFamily Guy: Back to the Multiverse gameOn December 26, Ms [redacted] contacted us requesting to return the item and a prepaid label was sent to her to return the itemWe received the item back on January 30, and upon inspection of the item we found it had been openedA letter was sent to her advising that credit would not be issued and to contact us if she would like the game returned to her otherwise the merchandise would be disposed of Our return policy for music, movies, video games and software is that they must be returned unopened in the original packaging with the factory seal intactExchanges are permitted for the identical product only On February 17, Ms [redacted] contacted us inquiring about the return of the game and was advised since the game had been opened credit was not issuedMs [redacted] stated she returned the game as it was not age appropriate and did not want the game returned to herThe description of the game on the website does clearly state that the game is for ages and upOn February 24, the item was disposed of as she requested she did not want the game returned to her We will not be issuing credit, due to the fact that the description of the game provided the information about what ages it was appropriate for, and also because of the information provided in our return policy." In addition to the information advised previously, at this time the customer's account has been sold and is no longer with FingerhutFor more information on her account, she should contact [redacted] at [redacted] On April 14, the customer's statements were switched from electronic statements to paper statements, and the paper statements were sent to her address of [redacted] , Roanoke, VA until August 29, when the account was sold Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah

Initial Business Response / [redacted] (1000, 6, 2015/01/22) */ CONFIDENTIAL COMMUNICATION January 22, 2015 # [redacted] RevDex.com of Minnesota 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 that we received from your office on behalf of [redacted] regarding his reversed payment on his WebBank/Fingerhut Advantage Credit Account. We apologize for the inconvenience. According to our records, the payment was reversed due to an invalid account or routing number. The last 4 digits of the checking account that was attempted to be used was ***2703. This payment information was first used on October 31, 2014 for a payment on our website. Since that time, the payment method has been marked as deactivated in our systems as of December 3, 2014. Although the error was due to incorrect information entered by the customer, a returned check fee should not have been charged for this reversal. We apologize for the inconvenience. As an exception, and as a gesture of goodwill, on January 16, 2015 I have issued credit for interest in the amount of $12.26, a late fee in the amount of $37.00, SafeLine Plus fees totaling $7.99, and the reversed payment fee in the amount of $20.99. These are the charges that have accrued on the account since November 1, 2014 until present. As this resulted in an overpayment on the account, on January 19, 2015, I have requested a refund be sent to Mr. [redacted] in the amount of $78.24. This should arrive in the form of a check at [redacted] , Reno, NV 89523 within 10 days of January 19, 2014. Please understand that if we were to delete the negative history from Mr. [redacted] 's credit report, we would be knowingly reporting inaccurate information to credit reporting agencies, which is a violation of the Fair Credit Reporting Act. Thank you for allowing us to explain. Sincerely, [redacted] Executive Care Team VF/jw Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/01/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) When I make the payment online from my iPad I go to fingerhut.com/sign in/my account and hit make a payment and it gives me the option of Minimum payment/ last statement / or current so I hit minimum payment and it gives me the option to pay from Visa depit or checking/savings accounts that I always pay from, so it's impossible for me to mess up the info payment when it's kept in their system and all I have to do is hit the account and hit continue to pay the bill. All I'm asking for is for the negative credit to be fixed and glad I might get some money back that was charged to me that should have not been. Please just fix the late payment please! I wanna buy a house and need all my points on my report. Final Business Response / [redacted] (4000, 13, 2015/02/04) */ CONFIDENTIAL COMMUNICATION February 3, 2015 # [redacted] RevDex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] - [redacted] Dear Ms. [redacted] , I am writing in response to the additional inquiry that we received from your office on behalf of [redacted] regarding his reversed payment on his WebBank/Fingerhut Advantage Credit Account. Unfortunately, the payment was not rejected by us. It was rejected by the bank at the routing number with which the payment was processed. We apologize for the inconvenience, but are unable to assist in this matter. As previously stated, if we were to delete the negative history from Mr. [redacted] 's credit report, we would be knowingly reporting inaccurate information to credit reporting agencies, which is a violation of the Fair Credit Reporting Act. Thank you for allowing us to explain. Sincerely, [redacted] Executive Care Team VF/jw

Initial Business Response / [redacted] (1000, 5, 2015/08/13) */ CONFIDENTIAL COMMUNICATION August 11, 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 The inquiry indicated several concerns that Ms [redacted] has had with her account, which I will address as follows First, Ms [redacted] expressed she felt she received poor customer serviceWe at Fingerhut always strive for excellence and professionalism in all customer interactions and we apologize if this was not accomplished Next, she claimed that she did not receive statements for September-December Our records indicate that she is set up to receive her statements electronicallyStatements were sent to her email address [redacted] @GMAIL.COM until the account became delinquent in May of At this time, paper statements resumedPayments were due on the 18th of each month, and it is our policy that, if payments are late or short of the minimum due, late fees will be applied to the accountOur records show that we did not receive a payment in September, October, and November In December 2014, we received a payment of $78, which did not meet the minimum amount due Lastly, Ms [redacted] is unhappy with the four late payments which are reflecting on her credit reportWe are unable to remove the delinquency history from the credit report, as we are required by law to furnish accurate monthly payment and account history to the credit bureaus Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm

Don't touch them with a foot pole...I placed an order with them and was never notified that it was back ordered and they had no intention of getting it to me on time The call center person I spoke to to have the order canceled was rude I asked how long it would take for my credit to be refunded and was told 5-business days Here it is nearly months later, no credit refund I had to call in again and was told that I wouldn't be allowed to use their online ordering because I had canceled my order and that "That's just how it is" They also told me I wasn't allowed a refund on my payment that I had made to initiate the order I asked for a supervisor and the girl was again rude about it "He'll just tell you the same thing I'm telling you" I spoke with him and told him I wished to close my account and be refunded the money I am out He said he could help me place an order I had to repeat myself three times to refund my money and close my account He then would not give me his name until I asked times for it DO NOT USE THEM!

Initial Business Response / [redacted] (1000, 5, 2015/06/25) */ CONFIDENTIAL COMMUNICATION July 24, # [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 Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountThe order Mr [redacted] references in the inquiry was placed on June 3, and consisted of a Power Glide 10-inch Sliding Compound Miter Saw, a Rockwell 10-inch Table Saw with Stand, and a Pro-Series 24-piece Router Bit Set His report of having received unacceptable service from the phone agent that he placed it with is regrettable, and we are pursuing this matterIt is vital that agents avoid any instance in which a customer could be made to feel they are not being listened to or even mistreated Mr [redacted] states he received a payment reminder call from a billing/recovery agent when no payment was received by his first due date, which our records confirmHe stated he was withholding payment as a deferred payment offer, advertised on his catalog, should have been applied to the order but was notThe agent advised Mr [redacted] to contact customer service as they were equipped and authorized to handle applying a deferred offer to an order Unfortunately, we did not find any evidence of Mr [redacted] ever notifying customer service regarding the deferred payment issueLikewise, we did not find that a formal billing dispute was ever submitted to us about this matterIt was required in order for us to adjust or suspend Mr***'s payment obligation while we investigated it The process of submitting a formal billing dispute is disclosed on the back of each monthly statementIt is the section titled "What to do if you think you find a mistake on your statement," and states, in part: "If you think there is an error on your statement, write us at: Fingerhut Credit Account Services, [redacted] , Saint Cloud, MN 56395-In your letter, give us the following information: Account Information: Your name and Fingerhut Credit Account Number Dollar Amount: The dollar amount of the suspected error Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it's a mistake" You must contact us within days after the error appeared on your statementYou must notify us of any potential errors in writingYou may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question." Despite the continued payment reminder calls to Mr***, he continued to withhold paymentWhen no payment was received for six-plus consecutive months, the account charged off on January 8, It was then sold to Jefferson Capital, a debt-buyer, on January 29, and in accordance with the terms and conditions of his credit account Agreement Mr [redacted] should contact and continue to work with Jefferson Capital regarding the unpaid debt; the account is no longer in our possession and has not been within our rights to service since being sold Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah

Initial Business Response / [redacted] (1000, 18, 2014/09/08) */ CONFIDENTIAL COMMUNICATION September 05, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Ms [redacted] , regarding her WebBank/Fingerhut credit account Ms [redacted] states she was only two days late when she began to receive collection calls from FingerhutShe does not believe that being two days late warrants a call, and would prefer to have an email or letter insteadMs [redacted] does not wish to receive calls from Fingerhut Our records indicate that Ms [redacted] 's account is currently past due as the minimum monthly payment of $was not received by the September 3, due dateWhen the original complaint was filed on June 5, 2014, Ms [redacted] had missed her first payment on her accountMs [redacted] was also two weeks late with her payment in July When a payment is not received on our customer's WebBank/Fingerhut credit account, our payment department may phone with payment reminders and if our payment department does not speak directly with our customer, they may continue to call up to six times per day until they are able to discuss the payment that is owed on the account If Ms [redacted] wishes to place a cease and desist on her account, please have Ms [redacted] fax a written cease and desist request to 320-237-or mail her request to [redacted] , StCloud, MN, In order to invoke or rescind a cease and desist, we need the account holder's signature Please note that once a cease and desist is placed on the account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desistA monthly statement will continue to be mailed In addition, Ms [redacted] 's account would be closed to future purchases and additional purchases on her account will not be allowedHowever, Fingerhut orders would be able to be placed online using Visa, MasterCard, or Discover as payment Also, any outstanding balance will continue to accrue interest and late fees may be assessedMs [redacted] 's account is still subject to the original terms and conditions of the Agreement As a courtesy to Ms [redacted] , we have temporarily suppressed collection calls until October 4, However, if payment arrangements are not made to bring the account current, collection activity may resume any time the account is in a past due status If Ms [redacted] would like to discuss which payment plan option would work best, she may contact our Billing Department at [redacted] Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time Thank you for the opportunity to explain Sincerely, [redacted] Executive Care Team VF/ljg

Initial Business Response / [redacted] (1000, 5, 2015/06/04) */ CONFIDENTIAL COMMUNICATION June 4, # [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 Ms***'s account activity history confirms that two separate payments, $each, were made on May and 25, The payment from the 25th was made from her checking account ending '***', which she states was "unauthorized" as she had previously told us that she "no longer uses it." After reviewing our records, we have not found any indication of Ms [redacted] informing us that the account is no longer an authorized payment method On May 14, our Billing/Recovery Department telephoned Ms [redacted] about the past due status of her account and to make a payment arrangementMs [redacted] did not dispute that it was behind, and stated that the earliest she could make a payment was May 25thThe agent began to schedule a one-time automatic payment for May 25th and stated, "Will you be using checking account ending '***'?" and Ms [redacted] stated, "YesIt will probably be the last payment I make from that account, though." After reading the required disclosures and getting Ms***'s final permission to set it up, the agent completed the scheduled payment and the call was ended An exhaustive search of our records did not result in any evidence of Ms [redacted] contacting us to cancel the scheduled payment after that call and prior to May 25, when the payment was applied As stated above, she made a $payment via the Fingerhut website on May 24, with a new payment method--debit card ending '***' Ms [redacted] telephoned on May 26, upon being made aware of the double payment, and the agent correctly advised that her best recourse was contacting her bank/debit card provider to do an "unauthorized payment reversal." Otherwise, she may take no action and the payment remains valid and subtracted from the total balance, as normal While we sympathize with Ms***'s situation, we cannot claim sufficient burden of responsibility over this matter for the above reasons, and are unable to compensate for any added costs that she may have incurred Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) When I set the payment up for the 25th it was based on the understanding that I could pay with a different card before the 25th and the payment from my old account would not be processed, as the payment was made on the 24th with my new accountI had no intention of paying twice with different accountsI then called to speak about it & the Rep ( [redacted] Rep# [redacted] on 5/26@ 3:50pm) said she did in fact see in my file that I would no longer be using the old bank account & that it would be refundedBut this not the only issue in the last months I have had with the company & have come to learn they just tell you lies & what you want to hear over the phone but do not follow through with what they say Final Business Response / [redacted] (4000, 9, 2015/06/18) */ CONFIDENTIAL COMMUNICATION June 17, # [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 further inquiry we received from your office on behalf of Ms [redacted] *** A review of the phone call with agent ' [redacted] ' on May 26, confirms that Ms [redacted] was advised to fax us a copy of her bank statement for bank account ending '***'The agent stated that if it showed that the disputed May 25th payment caused an overdraft fee, we would cover that cost Given this information, and as a gesture of goodwill for Ms***'s recent difficulties with us, we will honor the proposal this agent made to cover the overdraft feeTo expedite, she should fax a copy of the bank statement showing the fee to [redacted] , Attn: *** The agent did not state that the actual payment could be reversed back to her account, and we remain unequipped to do so; Ms [redacted] should continue to work with her bank to this end Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah

Initial Business Response / [redacted] (1000, 8, 2014/06/03) */ CONFIDENTIAL COMMUNICATION May 27, Revdex.com of Minnesota # [redacted] Attn: [redacted] ***, SRiver Ridge Circle Burnsville, MN Re: Ms*** [redacted] Case #: [redacted] Dear Ms***, We are writing in response to a complaint received in your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut credit account Ms [redacted] stated that she enrolled into a reduced payment plan and set up reoccurring payments to come out electronically on the third of each monthShe was surprised when Fingerhut began calling for payments and explained that she was on a payment plan, but the calls continued Our records show that Ms [redacted] enrolled in a nine month reduced payment plan with a Fingerhut representative on December 31, At that time, she set up nine electronic payments to come out on the third of each month from January, to September, The payment plan was agreed upon, but it was never activatedConsequently, Ms [redacted] was making the $payments, but the fact she was enrolled in the program was not entered into our system Fingerhut has removed all late fees that were incurred on Ms [redacted] 's account from January to May The interest on her account has been adjusted to the amount she would have been charged had the payment plan been in effectAn update has been sent to all three credit bureaus to update the adjusted balance on Ms [redacted] 's account We appreciate your understanding in this unfortunate matter, Sincerely, [redacted] Executive Care Team

Initial Business Response / [redacted] (1000, 5, 2014/03/12) */ [redacted] StCloud, MN www.fingerhut.com CONFIDENTIAL COMMUNICATION March 12, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] Dear Ms***, I am writing in response to an inquiry we received from your office regarding [redacted] *** Our records indicate that orders were placed in September 2006, March 2007, April 2007, and June Our records also indicate Mr***'s monthly billing statements printed on the 19th of each month and his payment was due on the 15th of the following monthThe last payment that we received on Mr***'s WebBank/Fingerhut Credit Account was on June 12, Because we did not receive payments from Mr [redacted] after June 12, 2007, his Fingerhut Credit Account was sold to CompuCredit/Jefferson Capital on October 1, Mr [redacted] contacted us several times via email in 2010, and Each time it was explained to him via email that his Fingerhut Credit Account was sold Because his Fingerhut Credit Account is sold, Mr [redacted] must contact CompuCredit/Jefferson Capital at [redacted] to discuss the balance owed Thank you for this opportunity to explain Sincerely, [redacted] Executive Care Team VF/tas Final Consumer Response / [redacted] (3000, 7, 2014/03/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) yea but I cant play it a TN LAW that it cant be over years this account is years old I want all my payments back please Final Business Response / [redacted] (4000, 10, 2014/03/14) */ [redacted] StCloud, MN www.fingerhut.com CONFIDENTIAL COMMUNICATION March 14, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] Dear Ms***, I am writing in response to the rebuttal that we received from your office regarding [redacted] *** Our records indicate that orders were placed in September 2006, March 2007, April 2007, and June The total amount for the purchases was $Mr [redacted] returned an item and his Fingerhut Credit Account was credited $($- $= $356.66)Our records indicate that Mr [redacted] made payments totaling $($- $= $110.43)The purchases total $minus the return and the payments received, left a balance owed in the amount of $Because there was a balance owed and because we did not receive payments, the Fingerhut Credit Account accrued interest charges in the amount of $and late fees in the amount of $($+ $+ $= $254.85)This is the amount that is owed to CompuCredit/Jefferson Capital The last payment that we received on Mr***'s WebBank/Fingerhut Credit Account was on June 12, Because we did not receive payments from Mr [redacted] after June 12, 2007, his Fingerhut Credit Account was sold to CompuCredit/Jefferson Capital on October 1, As stated previously, because his Fingerhut Credit Account is sold to CompuCredit/Jefferson Capital, he must work with them directly regarding this accountHe may contact them at [redacted] to discuss the balance owed We will not credit Mr [redacted] his payments back as he requestsThe payments we received were for merchandise that he ordered and received In response to the credit bureau reporting, the credit bureau reporting is accurate and in full compliance with the requirements of the Fair Credit Reporting Act ("FCRA") Thank you for this opportunity to explain Sincerely, [redacted] Executive Care Team VF/tas

Initial Business Response / [redacted] (1000, 8, 2014/03/28) */ CONFIDENTIAL COMMUNICATION March 24, Revdex.com of Minnesota Attn: [redacted] South River Ridge Circle Burnsville, MN # [redacted] Re: Mr [redacted] Case# [redacted] Dear Ms ***, I am writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding his WebBank/Fingerhut Account We want to clarify that this is a revolving account and as such, there is a required minimum amount due each month Mr***'s account had accrued several late feesLate fees accrue when a payment is received past the scheduled due date or the amount received does not meet the required amount due As stated in the Terms and Conditions of Mr***'s account under the "Reporting and Monitoring" section it 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" After careful review of Mr***'s account, our records indicate we are reporting his account correctly to the credit bureaus and no deletion of our report will be grantedPlease understand that if we were to delete the negative history, we would be knowingly reporting inaccurate information to credit reporting agencies, which is a violation of the Fair Credit Reporting Act Our records indicate that Mr***'s WebBank/Fingerhut Credit Account was sold to CompuCredit/Jefferson Capital on December 10, Because the account is sold, Mr [redacted] must work with them regarding the balance owed to themHe may contact CompuCredit/Jefferson Capital at [redacted] Thank you for allowing us to explain Sincerely, [redacted] VF/rsh Initial Consumer Rebuttal / [redacted] (3000, 10, 2014/04/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) They have reported the trade-line twice to my Equifax and Transunion credit reportIt is a common abuse when Fingerhut has ignored the special rules designed to make certain that debts are tracked and identified as a single obligation as they are transferred from holder to holderSo they are blatantly violating FCRA rules and reporting the same debt twice Every time they communicate with me they are very vague and confusingIn their response they talk about "Terms & Conditions", "Late Payment" however they do not have any paperwork to substantiate their claim if I ever even signed and/or agreed to their alleged "Terms & Conditions"Any communication that "can be reasonably read to have two or more different meanings, one of which is inaccurate" is deemed deceptive under FCRA Based on the facts and the inability of Fingerhut to provide credible and verifiable evidence, it leads consumers like me to believe that they are involved in a grand scheme of deceptive and fraudulent trade practices I will be reporting them to the Office of the Comptroller of Currency, Customer Service Group as well as to the Consumer Financial Protection BureauThey will be investigated for their unscrupulous activities until and unless they delete this unsubstantiated trade line from my credit reports

I am so disappointed with Fingerhut aka Bluestem Brands, Inc I remember as a little girl my grandmother using themSo I knew as an adult I would too This is until my experience with them turned into a mess I placed an order with them 9/9/and paid it off 10/9/using their freshstart program I was told at that time that it would take to look at my account and consider for a regular account A month later I call to check on the status only to be told that I have to wait another day because FH inadvertently place a cent credit on my account and when the realized it removed it But because it shows that the account was brought back to zero and looked like a payment it would take another days Now keep in mind Christmas is right around the corner and I am trying to get ready Now days later I still have not heard anything about my account I called today and told them all the above, how they said it would take days then days I spoke to ***(female) who said she was out of Minnesota who told me it would take days, I told her it had been days she then said it would take more I told her it had been days she then said it would take a total of days Of course I stopped her and asked for a supervisor, which I never got She kept me on hold for min waiting I could hear her in the background I purposely waited to see what would happen She would never respond when I called her name to get her to answer my questions She would put me on hold then come back to the line and sit there I would tell her that I am still there and waiting for the supervisor She then put be back on hold and waited more As I waited I found the parent company Bluestem Brands, Inc and called as I was on the phone talking to the receptionist [redacted] came back to the line When I told her I was on the phone with the Corporate office she quickly put me back on hold and this time transferred me to my 6th department [redacted] answered the phone and was able to finally tell me that he updated my account to graduate from the freshstart program but it would take more days I told him unacceptable that Christmas would be over He put me on hold and and came back with I would have to wait business days to get the graduated account Why did it take days to get to this point? I called and left a message with one of the executives that handles complaints The secretary at the corporate office was very nice and helpful She told me that one of them would definitely call me back Well it is now 1:CST I called them at 12:CST lets see if they keep their word Very disappointing Fingerhut will you make this right?

Initial Business Response / [redacted] (1000, 5, 2015/07/23) */ CONFIDENTIAL COMMUNICATION July 22, 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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. We regret to learn of the problem Mr. [redacted] has encountered with the XBOX One Console with Built-In Kinect that he purchased on November 2, 2014. Upon consulting with our vendor/supplier for the device, we have approved it to be returned according to the terms of the one-year warranty now covering it. A return shipping label with instructions was sent on today's date to Mr. [redacted] 's email address on file of [redacted] @aol.com. We appreciate Mr. [redacted] stating in the inquiry that he will return the defective device to us as we require that this be done as part of the process. An order to send Mr. [redacted] a new replacement of the XBOX was also submitted on today's date. He will receive an email notification with the carrier's tracking number once it has been shipped. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/ah

Initial Business Response / [redacted] (1000, 5, 2015/12/22) */ CONFIDENTIAL COMMUNICATION December 22, 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 On November 28, on order was placed for a NuWave Precision Induction Cooktop w/Pan with a Year Service PlanThis item was shipped via UPS Ground with tracking number [redacted] and was delivered on December 4, When a customer states they have not received merchandise ordered, Fingerhut has policies and procedure in place in order to conduct an investigationOur records indicate a legal affidavit has been sent to Ms [redacted] on December 9, As we understand the urgency of this situation, Ms [redacted] may fax the completed affidavit to [redacted] , Attn: KristinaOnce we have received this document we can further investigate this matter Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/01/05) */

July 13, Re: [redacted] ID # [redacted] Dear Ms [redacted] , 1em;"> We are writing in response to an inquiry received from your office on behalf of [redacted] regarding her enrollment in the Haband VIP Plus program On July 13, 2016, we called Mrs [redacted] to explain that after she made her February 24, purchase on Haband’s website, she was presented with an opportunity to save $off her next Haband purchase, simply for trying a membership in our Haband VIP plus program At no time was Mrs [redacted] ever obligated to accept this membership offer and her Haband purchase was not contingent upon her accepting the offerTo enroll in this program, Mrs [redacted] clicked on the offer and was taken to a web page that fully described the terms, benefits, and costs of Haband VIP Plus On this page she entered her email address, zip code and the “Join Now” button, activating a membership in Haband VIP Plus Had Mrs [redacted] skipped any one of these steps, no membership would have been established Once enrolled, the customer has the option to cancel their membership at any time with no further obligation The Haband VIP Plus membership was cancelled on June 20, and Mrs [redacted] was fully refunded $ This refund consists of the trial fee of $and sixteen months of the $monthly fee The credit was issued on June 21, to Visa Credit Card in which the payment was originally applied Thank you for allowing us to assist and explain Sincerely, Lea [redacted] Haband Customer Service Bluestem Brands, Inc

March 16, 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 AccountAttached are a statement of account activity and the statements dated November 6, through March 6, Ms [redacted] states the balance on her Fingerhut account was $in November when she made her payment onlineMs [redacted] further states Fingerhut did not attempt to contact her and she was unaware of a problem until February Ms [redacted] maintains a representative agreed with her situation and told her that Fingerhut would correct the error on her credit report and credit the feesMs [redacted] is requesting that Fingerhut honor what she saw online and what the representative said regarding her credit report According to our records, the balance on Ms [redacted] 's account was $when her statement printed November 6, Ms [redacted] 's account was current; she had not been charged any late fees since May As previously stated, Ms [redacted] made a payment of $on November 20, which left a balance of $When her statement printed on December 6, 2016, Ms [redacted] was charged the minimum interest of $and for SafeLine account protectionThese charges brought her balance to $ Ms [redacted] did not incur additional late fees until January and February which were credited as part of a payment arrangement made on February 26, As stated in our previous response, in an attempt to resolve the past due on her account, Fingerhut began to call Ms [redacted] on January 3, These calls continued until February 26, when the account was brought current Ms [redacted] spoke with an agent on January 20, 2016, but according to our records, Ms [redacted] said she was at work and ended the call Based on the available call recordings, we were unable to locate any documentation to support Ms [redacted] 's statement that she was promised by a representative that prior delinquencies would be removed Ms [redacted] was advised by an agent in the Credit bureau Department that the payment, two late fee credits and her current status would be reflected on her credit report on March 6, The credit bureaus are reporting accurately as current with a balance of zeroThe delinquencies for February 2016, and April to July are also accurate 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 [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 Ms [redacted] still has questions about her account regarding what has or has not been reported to the credit bureaus, please contact us at the address listed above or by calling us toll-free at [redacted] , Monday through Friday 9:00am to 6:00pm Central Standard Time Thank you for the opportunity to explain Sincerely, Kari [redacted] Executive Care Team KD/lg Enclosures (Account Activity_ [redacted] )

Initial Business Response / [redacted] (1000, 9, 2016/01/05) */ CONFIDENTIAL COMMUNICATION January 4, 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 The account is currently reflecting a zero balance and is closedHowever, as a courtesy, we will issue a refund of three late fees to Mr [redacted] which will total $The account has been credited $on January 4, and a check will be sent to him by mail As a reminder, customers should pay close attention to the dates showing on each monthly statementThe cycle date was the 22nd of each month, but the due date was the 18th of each monthOur customer service representatives are available for questions such as these Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm Initial Consumer Rebuttal / [redacted] (2000, 11, 2016/01/05) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 5, 2014/03/20) */ CONFIDENTIAL COMMUNICATION March 19, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Mr [redacted] s Case #: [redacted] Dear Ms ***, I am writing in response to an inquiry received from your office on behalf of Mr [redacted] s, regarding his WebBank/Gettington Credit Account Mr [redacted] s' account reflects on March 6, 2013, his account had been set up on a reduced payment plan for nine monthsI sincerely apologize to Mr [redacted] s if he was not properly notified when the payment plan expired We have removed the charge off status from Mr [redacted] s' account effective March 18, We have also adjusted his account so his next payment of $will be due on May 7, Additionally, we have updated the information on Mr [redacted] 's account to the credit bureaus and advise it may take up to sixty days for the update to process Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/mhp

Initial Business Response / [redacted] (1000, 10, 2014/07/16) */ Customer placed order on June 12, and the order shipped the following day, June 13, Order was delivered on June 17-18, We spoke with customer via phone on June 30, and sent return postage to pay for return of an item she decided she did not want Initial Consumer Rebuttal / [redacted] (3000, 12, 2014/07/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) The issue was primarily that when I tried to make contact with the company to check on the status of my purchase, I was never able to reach anyone! When I went online to see if I could check the status of my order that way, the site was shut downThis was very concerning since all of my personal financial information was given to a company and at that time I wasn't even sure if this company even existed! How would you feel? After several hours of looking for alternative contact numbers to speak to someone, I finally found a cell phone number online to a sales rep guy out of TexasAlthough he had nothing to do with my order, I felt that was a start.He was so surprised that I was able to find his cell phone numberThe gentleman was very helpful and got to the bottom of this complicated situationAlthough I received my purchase within the next day or so, one of the items wasn't even what I ordered and even fell apart! There was at least variances on the actual product that I received vswhat the catalog picture looked likeUpon reporting this to customer service, they were very understanding of my concern, yet expected me to pay for shipping to return the product, which would have been well over $At that point I made a reasonable complaint to the customer service manager and they agreed to send me a prepaid return labelNow I have to find a box big enough to return it! I don't think I will be purchasing through this company any moreIt's too much of a hassle Final Business Response / [redacted] (4000, 14, 2014/07/25) */ We spoke with consumer and addressed each of her concernsWe are waiting to receive the merchandise she would like to return so we can credit her accountWe consider this matter resolved

Initial Business Response / [redacted] (1000, 10, 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 It is in regards to her purchase of a SwimWays Extra Large Spring Float Recline from June 20, and an Intex Twin Pillow-Rest Airbed from August 14, We regret to learn of the problems that have arisen with the items, as outlined in the inquiry As a reminder to Ms [redacted] , our Return Policy states, in part, "You can return your purchase within days of receipt, as long as it's in new conditionReturns will not be accepted for credit or exchange after days." This policy appears under the "customer service" section on our website, in the catalog's "terms of sale" section, and on the customer's packing slip enclosed with their shipment We did not find evidence that Ms [redacted] ever contacted our Customer Service Department about these items prior to April 29, Consequently, neither item can be returned for credit or exchange as the 90-day maximum deadline has passedThe phone agent advised Ms [redacted] that her best recourse was with the vendor/manufacturer, and sent proof of purchase for each item that is sometimes required when filing a warranty claim While we sympathize with Ms [redacted] 's situation, it does not deviate from the fact that she received merchandise and is responsible for any balance still owing on it Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah