Bluestem Brands

Fingerhut is very misleading in many waysThey blowup your mailbox sending their catalogs filled with mostly overpriced items and then offering their extremely high interest rate if you qualifyI did find an item online that I price competitioned with several major retailers and found it to be cheaper at FingerhutMy Catologs always say "pre approved for $800"Another misleading factI approved for $They offered $for first time buyers with their creditWhen I put in the code, it didn't workI called and asked them to remove me from all mailingsI was told they have to email me the offeradvertisingCustomer service isn't helpful and do not seem to be informed on much of anythingResolution and customer satisfaction is not in their vocabularyAlso, they add a hard pull on your credit!!!!

Initial Business Response / [redacted] (1000, 6, 2014/11/28) */ CONFIDENTIAL COMMUNICATION November 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 inquiry that we received from your office on behalf of Mr [redacted] regarding a pre-payment he sent while his application for a WebBank/Fingerhut Credit Account was pending a decision As stated in the inquiry and supported by our records, Mr [redacted] 's application was not approvedThey further indicate that we received a $cashier's check enclosed with his mail order form, which we received shortly after the decision had been made on his credit applicationWe do not show it was ever cashed Our records show Mr [redacted] first contacted us on October 17, to request the cashier's check be returned to himWe sent it via regular U.SMail on October 20, to his address on file of [redacted] ., Chicago, IL We could find no evidence that it was ever returned to us as an undeliverable address or for any other reason If Mr [redacted] maintains he still has not received it, we suggest he contact the issuer of the cashier's check (" [redacted] is referenced in the inquiry) to recover the funds Thank you for allowing us to assist and explain Sincerely, [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 8, 2014/12/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) no check was returned to me I only received a letter of denial of credit from Fingerhut and the check was not cashed from the bank

Initial Business Response / [redacted] (1000, 7, 2015/02/12) */ CONFIDENTIAL COMMUNICATION February 12, # [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 Ms [redacted] regarding a [redacted] /Fingerhut Advantage Credit Account We sincerely apologize to Ms [redacted] or any difficulty she encountered with her order for the alcove Bennet Queen Bed with Drawers - BlackWe take every precaution to ensure our customers receive their Fingerhut merchandise in new, ready-to-use condition Ms [redacted] 's account indicates that she first contacted us on January 5, to inform us that she did not receive the hardwareOur records indicate that customer service representative Ms [redacted] spoke with submitted a request to have the missing hardware sent to Ms [redacted] on January 5, Our records indicate that Ms [redacted] contacted us several times regarding the missing hardware over the month I have requested that prepaid label and instructions be sent to Ms [redacted] to return the alcove Bennet Queen Bed with Drawers - BlackWe advise her to allow up to ten days from the mail date to receive them Ms [redacted] 's statement dated February 1, 2015, indicated a balance of $with a minimum payment of $due by February 27, 2015, with $of this amount past due A credit for the alcove Bennet Queen Bed with Drawers - Black will be issued to Ms [redacted] 's account once receivedHowever, as Ms [redacted] does have other purchases on her account, we strongly advise customers keep their account in good standing by making the minimum amount due each month, even while engaged in a dispute Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ca

Initial Business Response / [redacted] (1000, 5, 2014/08/22) */ CONFIDENTIAL COMMUNICATION August 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 that we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Ms [redacted] 's inquiry is in regards to the last two payments made on her accountUpon entering the billing cycle starting July 19, 2014, Ms [redacted] 's account was past due as a result of it going unpaid the month priorFor this reason, she needed to make a minimum payment amount of $in order to pay it currentOur records show Ms [redacted] contacted us on July 22, authorizing us to activate in our billing system a recurring automatic payment schedule to take the monthly minimum payment due Please allow us to explain that our billing system can only adjust the monthly minimum payment amount at the beginning of a new billing cycleMs [redacted] made a one-time payment of $on the Fingerhut website on July 19, 2014, but because she was still in the same billing cycle when she set up the payment schedule a few days later, our system continued to recognize the minimum payment due as $This is the amount that was drafted from her checking account ending '8406' on August 9, On August 14, 2014, we advised Ms [redacted] that the quickest way to prevent this debit from clearing her bank account was to contact and work directly with her bankIf she has not already done so, we again advise her to request an "unauthorized payment reversal" attempt from her bankShe may also decide to take no action and let the payment process as normal, and it will be applied to and subtracted from her total balance as normalThis would bring about a quicker reduction of the balance, resulting in less interest paid over time As a final reassurance, Ms [redacted] no longer has any active recurring automatic payment schedules on her accountShe may make her payment via regular U.Smail or electronically via our website We again apologize for any inconvenience Ms [redacted] has experienced as a result of this matter Sincerely, [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (4200, 7, 2014/08/28) */ I asked to go on auto pay and they charged me months for payment and refused to return my money and have me due for a payment now I asked to go on auto pay and they charged me months for payment and refused to return my money and have me due for a payment now I expect to get a full refund Final Business Response / [redacted] (1000, 10, 2014/09/10) */ CONFIDENTIAL COMMUNICATION September 10, # [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 that we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account We appreciate the extra effort your office has made in contacting Ms [redacted] for additional information regarding her inquiryWe now know Ms [redacted] already solicited the help of her bank in reversing the payment in question made on her Fingerhut Account, but to no avail After careful review of the circumstances unique to this situation, we have decided to grant Ms [redacted] 's request for a refundAs Ms [redacted] was expecting that only her standard minimum payment of $would be processed and not the full $that was actually taken, the final amount of her refund is $($minus $64.82) Our method of reimbursing Ms [redacted] is currently limited to a paper check sent via regular U.SMailWe are sending the refund check to her [redacted] , Westerville, OH address, and ask that she allow up to days from the date of this letter to receive it We trust this explanation and corresponding refund now meet Ms [redacted] 's expectations of a satisfactory resolution, and as such, we are considering this matter closed Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah

Initial Business Response / [redacted] (1000, 6, 2015/01/19) */ CONFIDENTIAL COMMUNICATION January 19, # XXXXXXXXXX Revdex.com of Minnesota Attn: [redacted] S [redacted] XXXXX 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 support a purchase was made on Ms***'s account on September 27, for a HP 15.6-inch Laptop with USB Flash Drive, Mouse and SleeveShe first notified us she did not receive the laptop via email message on October 7, Our agent replied to the email on the same date advising an "affidavit of merchandise not received" was being sent, and to return it fully completed in order for us to open and investigate her claim We confirmed that the affidavit she was sent omitted the fact that we require a copy of a police report covering this incidentthe reason being the substantial monetary value of the merchandiseWe regret this oversight and apologize for the inconvenience Ms [redacted] has already returned the completed affidavit, but our policy requires that a police report also be providedIf she is unable to obtain a copy of the report itself, we will need: the report number, the name of the precinct/police station, the phone number to the station, the name of the officer, and the badge number of the officer To expedite, Ms [redacted] may fax the police report/required information to: X-XXX-XXX-XXXX, Attn: ***; via email to ***@bluestembrands.com or regular U.SMail to [redacted] XXXXXOnce received, we will further investigate this matter Thank you for allowing us to explain Sincerely, [redacted] VF/ah

Initial Business Response / [redacted] (1000, 5, 2015/12/14) */ CONFIDENTIAL COMMUNICATION December 11, # [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 Account We sincerely apologize Mr [redacted] had a negative experience with one of our representativesIt is vital that our agents avoid any instance in which a customer could be made to feel they are not being listened to or mistreated In an effort to prevent unauthorized account activity, the Credit Risk Department takes certain measures, on an ongoing basis, to validate customer account informationIf after comparing it with the information provided by their outside sources they have strong evidence of a discrepancy, the order is held until the account can be fully validatedThis also includes intercepting recently shipped/in route orders, which is what occurred with Mr***'s order from November 18, We apologize if this process was not adequately explained to Mr*** Our records indicate Mr [redacted] spoke with a credit risk representative by phone on December 1, regarding his recent address change to [redacted] ., Port Saint Lucie, FL The verification process was successfully completed at this time, and the representative removed the "hold" on the account On December 5, records show Mr [redacted] placed an order by phone for an Ashley Ralene 4-Piece Dining Set and an additional Set of Ashley Ralene Side ChairsEmails with shipment tracking information were sent to Mr***'s email on file ( [redacted] @gmail.com) at the time the items were shipped, so that he can monitor the delivery progress of the table set We have issued a discount in the amount of $to the shipping/handling charge as a goodwill gestureThis has already been applied to the account and will reflect on a future monthly statement for Mr***'s records Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/12/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) This company is completely ignoring every single issue I have addressedWe absolutely will not notify about the fraud until we called inAfter the hold was lifted what was not lifted and tell about speaking with at least five agents and getting not one call backWe then tried to place an order nine timesAnother hold was put on our account after the first hold was removed and none of the agents that tried to place this order could figure out why it was not being submitted the fraud department said they had no hold on it we got not one clear answerIn fact the order that you have that was shipped was not placed until several days after this complaint was madeThe $credit you speak of was offered to us nine times again before this complaint was ever madeI think it's disgusting that your treat your customers the way you do no call backs nothingThis is the first time we have heard from anyone and it's a shame that had to be through the Revdex.comThe stress and anxiety that came from your company is ridiculousBy the way the request for supervisor call back that according to your agent was written down and put in a piece of paper and put into a box has not been responded to yetI guess if you don't come to the Revdex.com you will not ever receive a call back from the supervisor as promisedNothing has been done by your company to resolve any situationFYI as I mentioned my wife works in retention management and before ever replying to a Revdex.com complaint she would have given the customer a phone callMaybe you guys should hire my wife or ask her for references on how to handle customers that have fallen through the cracks of your faulted customer service departmentThank you for doing absolutely nothing to reach out to us to resolve this issueThe credit you are speaking of was issued by the agent that tried to place the order at least seven timesYour company has done nothing absolutely nothing to resolve this issue we are still waiting for the supervisor call back Final Business Response / [redacted] (4000, 9, 2015/12/21) */ CONFIDENTIAL COMMUNICATION December 21, # [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 Mr [redacted] *** We deeply regret that callbacks were not made to either Mror Mrs***However, since our last response, a representative from the Executive Care Department has been in contact with Mrs [redacted] to address these issues and keep watch over the table set order Our records indicate that the chairs and bench were delivered by UPS on December 11, and the table was delivered on December 18, by Pilot Freight The representative assisting Mrs [redacted] will be contacting her again shortly at the number agreed upon if they have not done so alreadyThis is to ensure that any further concerns will be addressed without delay Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah Final Consumer Response / [redacted] (2000, 11, 2016/01/04) */

December 29, Revdex.com of Minnesota Attn: Ms [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 Ms [redacted] regarding her WebBank/Fingerhut credit account ending in ***We have included a statement of account activity and a copy of the Terms & Conditions Ms [redacted] states that her Fingerhut account was paid in full prior to account being sold to another lender and the account is being reported incorrectly to the credit bureaus Ms [redacted] ’s desired resolution is to have the account report correctly to all three credit bureaus On August 24, 2012, an application was processed online using Ms [redacted] ’s personally identifiable informationOn April 19, 2013, an order was placed online for a Barberry Queen 9pc Comforter SetThe merchandise was shipped via FedEx to the same address as on the applicationThe most recent purchase, totaling $83.98, was placed on May 31, We have received multiple payments on this account from a checking account ending in [redacted] shown in the name of [redacted] The last payment, totaling $20.00, was received on November 7, The unpaid balance of $charged off on February 8, Please note once an account charges off, it is subject to be soldThe account no longer qualifies for payment plans or settlements; the entire balance is due Our records reflect that four payments made online February 10, 13, 17, 25, 2015, totaling $115.24, were insufficient to pay the account in fullThe account was sold to [redacted] l on February 27, Fingerhut no longer collects or owns the account Since the account was sold to [redacted] l, the payments made on March 4, 8, 13, 18, 25, and 27; and April 1, were received after the account was sold and have been forwarded to the account owner, [redacted] l According to an account review completed on December 22, 2016, Equifax, Experian and Trans Union are accurately reporting the account as “Transfer/Sold” and/or “Purchased by Another Lender” with a balance of zero We cannot revise any 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 your 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 questions about what [redacted] l may be reporting, she may contact them directly at ###-###-#### Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures

Initial Business Response / [redacted] (1000, 9, 2015/03/26) */ CONFIDENTIAL COMMUNICATION March 26, 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/Gettington Credit Account I sincerely apologize to Mr [redacted] for any confusion caused when trying to return Ematic 9" Portable DVD Player w/ Headphones & BagI have thoroughly reviewed Mr [redacted] 's account and offer the following information Our return policy states: "We will issue an exchange or refund for most items returned in a new condition within the days of receiptNo returns will be accepted after the day home trial period without prior authorization from FingerhutReturns accepted after the day home trial period may result in prorated cash or credit adjustments based on the age and condition of the productReturns will not be accepted for credit after daysOther product concerns must be handled under the manufacturer's warrantyShipping and handling charges are non-refundableReturn postage is the responsibility of the customer." Mr [redacted] had purchased an Ematic 9" Portable DVD Player w/ Headphones & Bag on November 9th, Mr [redacted] then contacted us via web chat on February 23rd, 2015, that the item had stopped workingThe Ematic 9" Portable DVD Player w/ Headphones & Bag is past the timeframe to be returned and so he was informed by our Gettington representative to contact the manufacturerLater, on February 23rd, 2015, we received a phone call from Mr [redacted] that he would contact the Attorney General if the manufacturer does not honor warranty We were able to get in contact with the Ematic vendor, they have no record of contact from Mr [redacted] regarding the Ematic 9" Portable DVD Player w/ Headphones & BagOn March 25th, 2015, Ematic had tried to contact Mr [redacted] by phone but they were unable to leave a message due to full voicemailThey have emailed Mr [redacted] to advise to him to please contact Ematic Ematic has created a ticket for Mr [redacted] , once he replies to their email or call they will be able to help Mr [redacted] with his Ematic 9" Portable DVD Player w/ Headphones & BagMr [redacted] can reach Ematic at; [redacted] ,AM - PM PST, or www.ematic.us/support We sincerely apologize for the inconvenience this matter may have caused Mr [redacted] Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/CC

Initial Business Response / [redacted] (1000, 5, 2014/07/16) */ CONFIDENTIAL COMMUNICATION July 16, # [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 inquiry that we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountWe want to ensure Ms [redacted] has the information that will provide a clearer understanding of her credit account balance The current account balance originated with the order dated April 8, that consisted of a Presto Stainless Steel Percolator, a 122-piece LEGO set, and a 105-piece LEGO set(There is one other order from the same date consisting of only the Presto Percolator, but as a reassurance to Ms***, we received this item as a return and credited her account the full cost of the order, including shipping/handling charges.) Ms [redacted] used a promotion code for a $discount off of the order total, and also received a 30% discount on one of the LEGO setsAfter subtracting these discounts, the total cost of the order amounted to $ The first payment for the order was due on May 24, 2014; unfortunately, we did not receive a payment by this date, and her account incurred a late fee of $As a reminder, a late fee is assessed when a payment is received past the scheduled due date or the payment received does not meet the required amount dueAccounting for this late fee and the related interest charge of $1.79, Ms***'s balance went from the original $and increased to $ We received Ms***'s May payment on June 5, for $Additionally on June 3, we made a one-time exception and credited her account for the $late fee from May (this credit was not for shipping/handling as Ms [redacted] states in her inquiry)Unfortunately, we did not receive Ms***'s second payment that was due on June 24, and her account again incurred a late fee for $Ms***'s payment, the credited late fee, the new late fee and related interest charges brought her balance to $ With her $payment made on July 10, Ms ***'s account is now paid current and in good standingAfter this most recent payment, her balance stands at $as of the date of this letter We strongly advise Ms [redacted] review her monthly billing statement to ensure her payment arrives on or before her monthly due date to avoid any further late feesAdditionally, there has been no negative report to the credit bureaus in regards to this matter We appreciate her patience while awaiting our explanation Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah

Initial Business Response / [redacted] (1000, 5, 2015/11/23) */ CONFIDENTIAL COMMUNICATION November 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 We would like to apologize for any difficulties Ms [redacted] had understanding our phone agentsWe strive to exceed our customer's expectations, and make their experiences with our phone agents satisfying Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/08) */

Initial Business Response / [redacted] (1000, 5, 2014/05/09) */ CONFIDENTIAL COMMUNICATION May 2, Revdex.com of Minnesota Attn: [redacted] # [redacted] South River Ridge Circle Burnsville, MN Re: Ms [redacted] Case# [redacted] Dear Ms ***, I am writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut Account Upon review of Ms [redacted] 's account we found that she contacted us on April 28, and was requesting the payoff amount on the accountThe information that was provided to her was $352.44, her current balance as of that dayShe did request an exact payoff amount and the information that was provided was the best information we had available at that timeUnfortunately we would not have been able to provide an exact balance for a specific date in the future We received a payment from Ms [redacted] on her account in the amount of $on April 30, Upon further review of Ms [redacted] 's account, we have found that her account has been sold to [redacted] on April 21, and the account was updated to a Sold status on May 2, The payment of $will be forwarded to [redacted] and this process may take up to a monthMs [redacted] may contact [redacted] at [redacted] to address any further concerns regarding her account We apologize for any inconvenience this matter may have caused Ms [redacted] Thank you for allowing us to explain Sincerely, [redacted] VF/rsh

Initial Business Response / [redacted] (1000, 7, 2015/02/05) */ CONFIDENTIAL COMMUNICATION February 5, # [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 support a purchase on Ms***' account dated November 23, for an Alcove Microwave PantryThey further show she telephoned us on November 28, requesting to return it for the reason that it arrived damaged Ms***' return request was approved and will continue to be honored; however, the notes on her account suggest she was advised that we could send her a box and/or packing materialsIf she was given this incorrect information, we apologize for any inconvenienceMs [redacted] was correctly advised by subsequent phone agents of the various ways deemed acceptable for packing her return On January 20, 2015, a postage paid shipping label was sent to Ms [redacted] to return the pantry at no cost to herThe label allows Federal Express to pick up the pantry directly from Ms***' home--although they require that it be securely packaged and ready to ship upon pick-up We are eager to help Ms [redacted] achieve her desired outcome for this matterWe appreciate her ongoing cooperation to ensure we receive the microwave pantry back from her Thank you for allowing us to assist and explain Sincerely, [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/02/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't deny they sent a label but the point is being totally looked over I need a box I called a place that could possibly make me a ft box to send this back they want a hundred dollars for a box this size I don't feel I should have to take anything out of my pocket to return there damage product that arrived at my house the box was destroyed in shipping why should I have to run around and take a hundred dollars out of my own pocket they need to send me a box or call the ups store in waterville Maine and pay the hundred dollars so I i can get this item back to them im not going to incur a hundred dollar loss to myself it's not right and they need to fix this Final Business Response / [redacted] (4000, 11, 2015/02/16) */ CONFIDENTIAL COMMUNICATION February 13, # [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] *** Ms [redacted] is a valuable customer, but please also understand, our policies are applied equally and fairly to all customersWe are unable to grant customer requests for boxes or other packing materials other than what the customer received their order in when it was packed and shipped to them After careful review of the circumstances unique to Ms***' situation, we have decided she is no longer required to return it before receiving the creditThe pantry is hers to keep, dispose of or otherwise do with as she sees fit, and she has now received credit for the full cost of the item, including shipping/handling She will see this documented on a future monthly billing statement for her records Thank you for allowing us to assist and explain Sincerely, [redacted] Executive Care Team VF/ah

I went on to their website and was approved for a FreshStart account and was shown in big letters that my first order over $would have free shippingI went online and was excited to restart my credit knowing that I was going to pay a little more for the items for this serviceAs I placed my order, I entered my promo code and was red flaggedI called to find out why the code did not work and was told that it didn't apply to my type of accountAfter review, I fount that the ONLY account this was good for was for people with AAA creditVery miss leading and shady advertisementNow I am bombarded with spam emails and still cannot get them to stopDO NOT USE THIS SERVICE!

Initial Business Response / [redacted] (1000, 5, 2014/12/19) */ CONFIDENTIAL COMMUNICATION December 19, # [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 Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account It is in regards to her purchase dated September 21, for a HP 15.6-inch Laptop, USB Flash Drive, Mouse and SleeveWe received it as a return on October 14, and Ms [redacted] received credit for the full merchandise priceOur Returns Department confirmed the laptop to be defective, and for that reason Ms [redacted] qualified to receive credit for the original shipping/handling as well Regrettably, this adjustment covering the shipping costs was not applied at the proper time, resulting in a small remaining balance on her accountMs [redacted] has now received credit for this cost, and her account reflects a $balance as of the date of this letter After careful review of the reporting history of the account, there has been no negative report to the credit bureaus as a result of this matter We apologize for any inconvenience to Ms [redacted] , but trust she will find a satisfactory resolution in this explanation and measures we have taken Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah Complaint Response Date bumped because: Holiday

Initial Business Response / [redacted] (1000, 7, 2015/03/30) */ CONFIDENTIAL COMMUNICATION March 27, 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 in his attempt to return the HP Beats 15.6" 8GB Blk/Red Touch Screen Laptop that Fingerhut has not received I have thoroughly reviewed Mr [redacted] 's account and offer the following informationOn December 9th, 2015, the HP Beats 15.6" 8GB Blk/Red Touch Screen Laptop was delivered to [redacted] Hannibal, MO 63401, delivered by UPSThis information can be located with the tracking number [redacted] While Mr [redacted] indicates he refused the merchandise, tracking records indicate the item was not refused, but was delivered, as stated aboveWe have also checked our internal systems and we were unable to locate a return for the merchandise On Mr [redacted] 's Fingerhut account, the address he lists for himself is the same address to which the merchandise and affidavit were mailed to We have sent another affidavit to Mr [redacted] He should receive that within to business days by regular mailOnce we have received the affidavit back we can complete our investigationNo adjustments will be made to the account at this time, we do advise our customers to keep their account current during this time, so it does not report to their credit or affect their Fingerhut account Our customers are very important to us and we strive to assist and satisfy themWe will continue to work with Mr [redacted] until this matter is resolved Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/CC Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/03/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) They have supposedly mailed this affidavit multiple times yet it has never arrivedI feel this is a poor representation of customer serviceIf the affidavit is not received in the ten business days I will be filling a lawsuit against this company Final Business Response / [redacted] (4000, 17, 2015/05/11) */ CONFIDENTIAL COMMUNICATION May 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 further inquiry we received from your office on behalf of [redacted] Mr [redacted] states he has not received the affidavits sent out to him for his missing order of HP Beats 15.6" 8GB Blk/Red Touch Screen Laptop placed on December 3, The affidavits were sent to the address we have on file [redacted] Hannibal, MO, We have no record of Mr [redacted] requesting to be opted out of our mailing list We have emailed the affidavit to Mr [redacted] 's email of [redacted] @GMAIL.COMIf Mr [redacted] would like us to fax the affidavit to him, he can provide a fax number Our customers are very important to us and we strive to assist and satisfy themWe will continue working with Mr [redacted] until this matter is resolved Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/CC

Initial Business Response / [redacted] (1000, 5, 2015/12/17) */ December 17, 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 that Fingerhut is reporting a thirty day late on his credit report, which resulted from an unauthorized order placed on his accountMr [redacted] is requesting that the delinquent remark for August be removed and his account closed According to our records, an order was placed on Mr***'s WebBank/Fingerhut credit account on April 24, and shipped to an address in Alabama Fingerhut attempted to make contact with Mr [redacted] when the account became delinquent, but were unable to reach himFingerhut also sent monthly statements beginning in May to Mr***'s address in Bakersfield CaliforniaA dispute from Trans Union was received in July 2013, to which Fingerhut replied with a letter and itemized statement Mr [redacted] contacted Fingerhut by phone in August stating there was an unauthorized order on his accountAfter receiving a police report and signed unauthorized merchandise affidavit, Mr***'s account received full credit for the merchandise Per Mr***'s request, his account was closed on December 10, A dispute received from Trans Union was updated to "Closed at Customer's Request" and the thirty day delinquency reporting for August was removed(Control # [redacted] ) According to an account review on December 14, 2015, Equifax, Trans Union and Experian are reporting Mr***'s account as "Closed at Customer's Request" and the delinquency reporting for August has been updated to current Thank you for allowing us to assist and explain Sincerely, Kari [redacted] Executive Care Team KD/lg Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/21) */ (The consumer indicated he/she ACCEPTED the response from the business.) Matter has been resolvedThank you

Initial Business Response / [redacted] (1000, 5, 2014/10/20) */ CONFIDENTIAL COMMUNICATION October 20, # [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 customer service and his information security His report of having received unacceptable service from our phone agents is also regrettable, and we are pursuing this matterWe will be referring this issue to management for coaching of the individuals involvedFingerhut's goal is to provide professional customer service in all interactions and our representatives are trained accordinglyWe apologize if we have fallen short of your expectations As an exception, we have issued credit in the amount of $for the item that he had advised our supervisor was not received and closed his account per his requestThe remaining balance is $ Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw

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 Our records indicate that an order was placed September 13, via our website for the Carhartt Fleece Face Mask Hat, the Slendertone Flex Pro Toning System, the Piece Slendertone Gel Pads Refill, and the Jawbone Icon HD Thinker Bluetooth Headset with a One Year Service Plan All of the items shipped to a PO Box in Washington DC except the Jawbone Icon HD Thinker Bluetooth Headset which shipped directly from our vendor and was delivered to a street address in Washington DCA third party source verified that Mr [redacted] resided at that address in Washington DC at the time of the order and delivery As stated in the Terms and Conditions of Mr [redacted] '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 We are not subject to the FDCPA as Fingerhut is not a 3rd party debt collectorHowever, because payments were never received on the WebBank/Fingerhut Credit Account, the account was sold to [redacted] on May 3, Because the account is sold, Mr [redacted] must work directly with themHe may contact [redacted] at [redacted] Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team

CONFIDENTIAL COMMUNICATION align="left"> September 20, 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 Ms [redacted] regarding her WebBank/Fingerhut FreshStart Installment Loan Account ending in *** Ms [redacted] states she opened a WebBank/Fingerhut FreshStart Installment Loan account in and in the account was reported to a third party collector, [redacted] , with a balance of $She further states on June 14, she made a payment of $and this company continues to sell her information to other third party lendersMs***’s desired resolution is to have the trade line removed from her credit reporting and have this company no longer sell her information According to our records the WebBank/Fingerhut FreshStart Installment Loan account ending in [redacted] was opened online on September 2, Since the application was completed online, a written signature was not requiredAn order was placed on September 23, online for a 7pc Stainless Kitchen Tool Set, a Thomson Pottery 16pc Quadro Dinnerware Set and a Super Chef 44-pcCutlery and Kitchen Gadget SetThe merchandise was shipped via FedEx to the address on the application Fingerhut received the required $down payment with a MasterCard debit card ending in ***A further payment of $was received on November 18, from a checking account ending in ***As there were no further payments received, the unpaid balance of $charged off on May 9, and the account was sold to [redacted] Capital on February 1, Once an account is sold Fingerhut no longer owns or collects on the debt According to an account review on September 16, 2016, Equifax is reporting the account accurately as Transfer/Sold with a zero balanceTransUnion is no longer reporting a trade lineNothing is reporting to Experian, as Fingerhut did not begin reporting to Experian until October 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 We understand Ms***’s frustration and have reached out to [redacted] Capital with her concernsIf Ms [redacted] has questions regarding the details of her account, we would encourage her to contact [redacted] Capital, as they have full access to her account information at this point [redacted] Capital can be reached directly at ###-###-#### Thank you for allowing us to assist and explain Sincerely, Kari [redacted] Executive Care Team KD/sa

Initial Business Response / [redacted] (1000, 7, 2014/05/02) */ CONFIDENTIAL COMMUNICATION April 30, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms ***, I am writing in response to an inquiry received from your office on behalf of Ms [redacted] , regarding her merchant account with Fingerhut We take our customer's privacy and the security of their accounts very seriouslyPlease note that while we cannot delete Ms [redacted] 's registered web account from our website, we have made an update to it so the account is inaccessible Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/mhp Initial Consumer Rebuttal / [redacted] (3000, 9, 2014/05/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am not a merchant, I am a consumer so why are they saying I have a merchant accountI do not have nor ever had a credit card account with themthey never explained why it isn't possible to delete a account? this is the only company I have ever heard of that cannotwith all the computer hackers out there inaccessible means nothingno company should have the right to keep your information on their website Final Business Response / [redacted] (4000, 11, 2014/05/29) */ CONFIDENTIAL COMMUNICATION May 27, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms***, I am writing in response to information received from your office on behalf of Ms [redacted] To clarify to Ms [redacted] , a merchant buyer is a consumer who does not have a credit account but uses other methods of payments for their order/s We inform Ms [redacted] , we have deleted her account from our website, effective May 22, Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/mhp