Bluestem Brands

CONFIDENTIAL COMMUNICATION "Arial December 6, # [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 PayCheck Direct Account Ms [redacted] states she only received one of the items she ordered from Paycheck DirectThe other item was cancelled due to the item being out of stockShe states she was told to continue payments on her account for the one itemMs [redacted] ’s desired resolution is to have the contact voided and be refunded for the shipping to return the item she received Our records indicate Ms [redacted] purchased a T-fal Signature 12-PcNonstick Cookware Set and a Sony PlayStation 500GB Console Bundle with Call of Duty: Blacks Op III, Battleborn PS& Turtle Be on November 10, On November 18, the PSwas cancelled due to being out of stockThe T-Fal Cookware Set was delivered to Ms [redacted] on November 22, Ms [redacted] ’s account was only charged $for the purchase of the cookware setShe has been set up on a biweekly payment amount of $ Ms [redacted] contacted Paycheck Direct on November 29, stating she would be returning the cookware setOnce we receive this item back we will credit Ms [redacted] s account for the full merchandise price, but as our return policy states, “the original shipping/handling is nonrefundable on return merchandise if the item is not damaged, defective, or in the case of a shipping error.” If the merchandise is not found to be defective Ms [redacted] will be responsible for the shipping/handling of the item If Ms [redacted] has any further questions she may contact PayCheck Direct at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time Sincerely, Vi [redacted] Executive Care Team VF/ks

this company fingerhud has reported negative on my credit report I payed on time payments with them and never was late they told me they will report to my credit good but they reported negative do not sign up with this company

Initial Business Response / [redacted] (1000, 5, 2014/04/21) */ CONFIDENTIAL COMMUNICATION April 21, 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 WebBank/Fingerhut Credit Account When an account becomes past due our Payment Department will make reminder calls to our customers to inform them a payment is dueOur records indicate we were unable to reach Ms [redacted] and because of this, we continue to callIt is important to us to inform our customers of their account status and assist them if necessary After reviewing our call log, we find that we were within the allowed time frames to contact her If Ms [redacted] does not wish to receive calls from our Payment Department she can send a hand written request to "cease and desist" calling herMs [redacted] may mail her request to the address listed above or fax the request to: [redacted] , Attn: *** The last payment received on Ms***' account was on January 4, 2014, in the amount of $ After a thorough review of Ms***' account we find her account is currently eligible for a reduced hardship payment plan, if she agrees to the necessary terms and conditionsThis includes the following: Pay total amount due $on or before 5/7/14, this details out to paying the past due amount of $and remaining balance of $Once her account is up to date, Ms [redacted] may be set up a or month reduced payment hardship program Our Payment Department tried to contact Ms [redacted] by phone to assist her with the payment planHowever, they were unsuccessful in reaching herWe urge Ms [redacted] to contact our Payment Department at: [redacted] , Monday through Friday from 7:00am to 9:00pm, Central Time and they will be happy to assist her Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/mhp Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/04/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I would like to thank all parties for helping and responding I would truly like to accept that offer but the offer is only till May 7th I will be out of town until May and will not be able to handle any business until the 12th of May or the 13th if I can have that setup for Monday May or Tuesday May 13th I will be more than happy and I will gracefully receive the offer the only reason I cannot accept now is because I will be away from home due to a family matter and I will not be back until those dates I stated previous if I can have those dates to or the 13th that would be great for me because I will definitely handle my business on those days I cannot do it before because I will not be here I am away as I type this now that's why I have been unable to answer any calls and that is why I am just now responding [redacted] thank you very much I'll look out and look forward to email I will say if I am back before those dates I will make a payment ASAP but the likes of that is not high because my ticket is booked for me 12thank you very much I appreciate all parties help and support I look forward to hearing back thank you Final Business Response / [redacted] (4000, 9, 2014/04/30) */ 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 further information received from your office on behalf of Ms [redacted] ***, regarding her WebBank/Fingerhut Credit Account Since an outstanding balance remains on Ms***'s account, calls have continued to be made in an attempt to collect a paymentAs stated in our previous response, if Ms [redacted] does not wish to receive calls from our Payment Department, she may send a hand written request to the address listed above or fax the request to: [redacted] , Attn: *** We advise Ms***, her account would still be eligible to enter into a month or month Hardship program on May 12, or May 13, Ms [redacted] would need to contact Our Payment Department at [redacted] , Monday through Friday from 7:00am to 9:00pm, Central Time, to set up the payment planWe would also need to explain the terms and conditions prior to submitting the payment plan for consideration Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/mhp

Initial Business Response / [redacted] (1000, 5, 2015/10/16) */ CONFIDENTIAL COMMUNICATION October 16, # [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 To date, our records show a single order placed on Ms [redacted] 's account from September 20, It consisted of an iCoffee Mozart Single-Serve Coffee Brewer, Samsung 3D Blu-ray Player with Wi-Fi, and a Pursonic Pro Ped Callus Remover We sincerely apologize for any difficulty Ms [redacted] experienced with this order as outlined in the inquiryOur agents are accountable to meet certain professional standards, and we regret if these were not lived up to in Ms [redacted] 's recent related contacts Please allow us to explain that customers deemed as "new"--without an established order or payment history--may not change the address on their account without first completing a series of security questionsThis is why Ms [redacted] was not able to change the shipping address while placing it as a self-service order on the Fingerhut website; she would have been prompted to contact Customer Service upon attempting to change the address herselfUnfortunately, the order was submitted while her old address was still on the account, which is where it shipped We are aware Ms [redacted] has since received the coffee brewer but did not receive the blue-ray player or callus removerThese two items were shipped together under United States Postal Service tracking number [redacted] The tracking information reflects it was refused and is now being returned to sender/FingerhutMs [redacted] will receive full credit, including shipping/handling, upon return delivery to Fingerhut, and these adjustments will appear on a future monthly statement for her recordsAdditionally, we received Ms [redacted] 's completed affidavit of merchandise not received for these items on October 14, via an email attachment On October 6, 2015, Ms [redacted] successfully completed the security questions, and her billing and shipping address were updated to [redacted] Riverside, CA Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (2000, 6, 2015/10/16) */

Initial Business Response / [redacted] (1000, 5, 2014/09/30) */ CONFIDENTIAL COMMUNICATION September 23, # [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 additional inquiry that we received from your office on behalf of [redacted] regarding the return of the San Paulo Click-Clack Sofa with Cover - Black to her WebBank/Fingerhut Advantage Credit Account I apologize for the inconvenience that this has caused Ms [redacted] Per the information provided in her complaint, I have listened to the recording of the callMs [redacted] is correctAt the time of the order the agent advised her that the package would be delivered on September 02, Due to our error, I have issued credit for the shipping and handling of the item in the amount of $This credit will be visible on her next statement that prints on October 06, Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw Business Response / [redacted] (4000, 15, 2014/10/22) */ CONFIDENTIAL COMMUNICATION October 22, # [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 additional inquiry that we received from your office on behalf of [redacted] regarding the return of the San Paulo Click-Clack Sofa with Cover - Black to her WebBank/Fingerhut Advantage Credit Account The balance issue encountered after the return was due to a systems error at the time the return was processedThe returned item was on a deferred order, whereas the previous balance should have been a non-deferred balanceUnfortunately, when the return was processed the credit was issued to the non-deferred balance instead of the deferred balanceThis resulted in an erroneous balance and minimum payment due on the account The balance on the account is now $and the minimum payment due on the account is $The payment will be recalculated at the time the next statement prints on November 06, The next payment will be due on November 02, The difference in the balance is due to interest that had accrued on the prior balance We apologize for the inconvenience you have encountered in this process Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw Consumer Response / [redacted] (3000, 17, 2014/10/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) My balance before this purchase was made was $and I have not made any other purchasesI can't believe that I am being charged $in fees? my balance should be $ I really want to resolve this matter that has been going on since August 20, I hope this can be resolvedI am only trying to get my account back to the original state without all these additional charges Business Response / [redacted] (4000, 19, 2014/10/29) */ CONFIDENTIAL COMMUNICATION October 27, # [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 additional inquiry that we received from your office on behalf of [redacted] regarding the balance on her WebBank/Fingerhut Advantage Credit Account To better explain how the balance of the account has been calculated, and to provide an itemized breakdown of the current balance, I have included an itemized statement with this responseThis should allow Ms [redacted] to see how her balance has been calculated As previously stated, the balance is correct at this time and we consider this matter closed Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw Consumer Response / [redacted] (3000, 21, 2014/10/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) While the "breakdown" may have been attached, an interest charge was charged on my balance owed for the purchase that was ultimately returnedI had a balance of $prior to this purchase, as I had stated earlier, and the calculations from August to present do not add up to a $in interest and other feesWhile I do appreciate the efforts to try to explain the breakdownI am still requesting that the account be brought back to my original amount before all of these issues with my return pleaseI don't think charging me $to my account is a fair charge nor is it justifiable Business Response / [redacted] (4000, 24, 2014/11/10) */ ***Corresponding documents attached CONFIDENTIAL COMMUNICATION October 30, # [redacted] 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 the balance on her WebBank/Fingerhut Advantage Credit Account The balance on Ms [redacted] 's account was calculated based on the following transactions: On her statement that printed on August 06, (this is the statement prior to the purchase of the sofa) the balance was $(not the $advised in Ms [redacted] 's complaint)A payment was received on August 16, for $This payment was deducted from that account balance The purchase was added to the account in the amount of $on August 21, On September 03, the return of the "Black San Juan Sofa Cover" processed resulting in a credit of $ The new cycle began on September 06, This resulted in interest charges in the amount of $being added to the balance, and a Safeline Fee in the amount of $being added to the balance On September 18, the return was processed for the "San Paulo Sofa with Storage" on the account in the amount of $ On September 30, I issued a credit for the remain charges from the order in the amount of $ On October 06, a new cycle began and an additional $in Safeline Fees and $in interest were added to the account balance On October 16, 2014, we made an adjustment to the type of balance that was left on the account to correct for the way we needed to process the return credits to facilitate the requests of Ms [redacted] This is seen on the account as a deduction for $and then an addition of the same amount back to the account As an exception, on October 16, we deducted $in interest from the account and $in Safeline Fees This accounted for more than the interest and Safeline Fees that accrued on the returned sofaThe amount of interest charged on the sofa was $and the amount of Safeline Fees for the Sofa was $ This results in the current balance on the account of $This will be visible as the balance on the next statement printing on November 06, There never was $in interest charged on the accountThe increase in the account balance is simply due to the accrual of interest on Ms [redacted] 's account For Ms [redacted] 's convenience, we have included the statements from August, September, October, and November with this response Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw Business Response / [redacted] (2000, 26, 2014/11/10) */ (The consumer indicated he/she ACCEPTED the response from the business.) While I am NOT satisfied with this resolution on this issue I am going to simply pay off what's owed and CLOSE this account and NEVER have any further business with themIt took too long for any resolution and I had to get them to finally listen to my recording to get them to fully refund the sofa and delivery charges by contacting the Revdex.comI will also insure that no one in my family or friends will do business with this company eitherThe charges in interest were charge to my account when the sofa and delivery charges were on my bill but I am guessing with all of the loss of business and complaints for unprofessional business practices this company feels the need to overcharge in such a mannerIt is truly a shame that this matter could not be fully satisfied Thank you Revdex.com and Ms [redacted] for attempting to fully resolve this matterYour help has been appreciated!! Ms [redacted]

CONFIDENTIAL COMMUNICATION New Roman" size="3"> July 25, 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 further inquiry we received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut Advantage Credit account Ms [redacted] states she ordered a master craft lawn mower, cordless electric grass trimmer, Bissell powerlifter power brush plus Bissell shampooShe claims all four items were damaged, so she returned all of them before any payments were dueHowever, she has been told she owes Fingerhut for the Bissell and shampoo and late payments due to no payments made on these returned itemsShe is requesting the shampoo, Bissell power cleaner, and late fees be taken off her account Our records indicate on May 28, an order was placed for Master Craft 21" High Wheel Gas Mower, Bissell PowerLifter PowerBrush 6.25-Amp Upright Deep Cleaner, Bissell 60-ozDeep Clean Fiber Cleansing Solution, and Earthwise 12" Cordless Electric Grass Trimmer Our records indicate the Master Craft 21" High Wheel Gas Mower was returned on June 15, 2016, a full credit for this item was issued the same dayThe Earthwise 12" Cordless Electric Grass Trimmer was returned to us on June 22, 2016, a full credit was issued on the same day and the Bissell Powerlifter Power Brush 6.25-Amp Upright Deep Cleaner was received on June 30, 2016, a full credit was also issued on June 30, We have no record of receiving the Bissell 60-ozDeep Clean Fiber Cleansing SolutionAs a courtesy, we have credited $to her account, which was the cost of the cleansing solution and $27.00, the amount of the late fee applied to the account on June 27, In addition, we have credited $which was the amount of interest accrued from these chargesThese credits will show on Ms [redacted] ’s next billing statementThe balance will be $with a minimum payment of $due August 1, As a reminder, Ms[redacted] can call our Customer Service Team with any additional questions she may have, at ###-###-####, Monday-Friday AM – 8PM, Central Standard Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm

I am rejecting this response because: They have not substantiated anythingAnyone can open an account onlineJefferson Capital (whom they supposedly sold the account to) cannot substantiate the account eitherI will be filing a lawsuit

I would not advise anyone to do business with fingerhutThey are a bad outfitThey don't give you your refunds when they owe you oneAnd they lie to you all the time alsoBad outfit

Initial Business Response / [redacted] (1000, 5, 2014/12/10) */ CONFIDENTIAL COMMUNICATION December 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 inquiry that we received from your office on behalf of [redacted] regarding a WebBank/Fingerhut FreshStart Credit Account The Fingerhut FreshStart Program is designed to assist potential customers that don't currently qualify for a revolving WebBank/Fingerhut Advantage Credit AccountThis program is a closed-end installment loanThe customer makes a purchase that is within their assigned credit limit, pays it off in installment payments and then may qualify for a revolving credit account Mr [redacted] placed an order for a Hamilton Beach 2-Way FlexBrew Coffeemaker on September 29, 2014, via the webHe placed this order on a FreshStart account, which requires a down payment of $ Our records indicate that Mr [redacted] contacted us on October 8, to inform us that he received the coffee maker with a broken cup We sincerely apologize for any difficulty Ms [redacted] has encountered with our company in trying to receiving a replacement part We have issued a full refund to Mr [redacted] 's account and have deleted his trade line account with the credit bureauPlease allow up to days for these updates to reflect on the credit file Mr [redacted] 's $down payment applied to his FreshStart order is also being refundedOur method of refunding these down payments is currently limited to a paper check sent via regular U.SMailHe should allow up to two weeks from the date of this letter for it to arrive at his address on file of [redacted] Bakersfield, CA Total customer satisfaction is a goal we strive daily to achieve, and we again apologize if we fell short of this mark with Mr [redacted] Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ca

Fingerhut did not do enough research on an identity thief and let this thief open an account in our name to purchase items by mail They have little regard for the privacy and safety of the information they collect They just want to make a sale DO NOT TRUST THIS COMPANY!

August 12, 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 Credit Account Ms [redacted] states her mother opened a WebBank/Fingerhut account in her name, made no payments and the account was sold to [redacted] Ms [redacted] states she paid [redacted] and has received written confirmation the bill is paid Ms [redacted] further states she contacted Fingerhut requesting that they update their website to show the bill was paid, but was told there was no documentation that would make Fingerhut update the website or her credit report Ms [redacted] also states she is not eligible for another Fingerhut accountMs [redacted] is requesting to have her Fingerhut account report as paid or to have it deleted from her credit report According to our research, an application for credit was processed online May 5, in the name [redacted] ***Ms [redacted] was approved with a credit limit of $ Three orders were placed on May 5, 2014, May 14, and May 19, The merchandise was shipped to the same address as provided on the application No payments were received on this accountThe account charged off on December 12, with an unpaid balance of $The account was sold to [redacted] on January 15, at which time Fingerhut reported the account to the credit bureaus as “Purchased by Another Lender” with a balance and past due of zero If Ms [redacted] logs onto Fingerhut.com to view her account, the account information is still visible as Ms [redacted] has the right to review itThe balance of $is accurate as that was the balance at the time the account was sold Because Ms***’s account charged off and was sold, at this time, she is not eligible for another Fingerhut credit 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, 2015/01/15) */ CONFIDENTIAL COMMUNICATION January 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 that we received from your office on behalf of [redacted] regarding the late fee reversal on her WebBank/Fingerhut Advantage Credit Account I have listened to the call recordings at the time the payment was made on December 4, and from December 10, On December 4, the agent advised that the situation would be addressed when she calls back in to bring her account currentHowever, it is possible that this was interpreted as an offer to have Ms [redacted] 's credit report adjusted to reflect that it was not delinquent in the month of NovemberDuring the course of the call on December 10, the agent advises that they are able to remove the late fee from the account in the amount of $It is not advised that her credit reports would be updatedWe apologize to Ms [redacted] for the miscommunication that occurred on December 4, As an exception to our policy, we have requested to have her credit reports updated to indicate that she was not delinquent in the month of NovemberPlease advise Ms [redacted] this information should be updated by the major credit bureaus in the next 30-days Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw

CONFIDENTIAL COMMUNICATION March 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 he closed his WeBank/Fingerhut in August 2015, but is still being charged interestMr [redacted] requests that his account be closed so that no further fees accrueAdditionally, he disputes the debt owed and asks that it be credited According to our records, an application for credit was processed online May 30, The name and address on the application is the same one provided when contacting us regarding this issue The first order was placed on June 9, for a Skechers Men's Brice - Oden Low BootThe merchandise was shipped by UPS to the address provided on the application According to our records, Mr [redacted] purchased $1,in merchandise between May 25, and June 28, Three of the orders were purchased with deferred billingWhen the deferred billing on the purchases expired, the minimum due increased from $a month to 5% of the balance which was reflected on Mr [redacted] 's monthly statements Based on Mr [redacted] 's previous request, his account was closed on August 21, Any outstanding balance will continue to accrue interest and Mr [redacted] may be assessed late fees and his account is still subject to the original terms and conditions of the agreement According to our records, monthly payments were received and processed on time until September No payments were recevied in September, October or November When a payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is receivedAdditionally, we may charge a late fee and interest charges will accrue on the balance owedOur Payment Department may phone our customers with payment reminders when a payment is not received by the due date On November 23, Mr [redacted] agreed to a nine month reduced payment plan for $a month starting on December 2, with reduced interest (14.9%) and no late fees According to our records, Mr [redacted] made three payments for $on December 2, 2015, January 3, and February 2, The balance on the account went from $2,on November 22, to $2,as of March 17, No payment was received for March 2, as the scheduled payment was declined by Mr [redacted] 's bankThe remaining scheduled payments were disabled Mr [redacted] may contact our Billing Department at [redacted] to reschedule the remaining payments for the payment planTheir 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 An account review on March 16, 2016, confirmed that Equifax, Experian and Trans Union are reporting Mr [redacted] 's account accurately as "closed at customer's request" and "Paying under a Partial Payment agreement." The delinquencies for October, November and December and January and February are 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 Mr [redacted] 's Welcome PacketIt states: "If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies." Conversely, accounts that are in good standing will be reported as well Per Mr [redacted] 's request, we have revoked consent to call on the phone numbers currently associated with his account ( [redacted] , [redacted] )If Mr [redacted] would like to cease all further communication regarding his account, he may request that a Cease and Desist be placed on his account If Mr [redacted] wishes to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted] ***, StCloud, MN, Mr [redacted] may also contact our Billing Department at [redacted] Please note, if a cease and desist status is placed on Mr [redacted] 's 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 Instructions for filing a formal billing dispute are on the back of Mr [redacted] 's monthly billing statement Thank you for the opportunity to explain Sincerely, Kari [redacted] Executive Care Team KD/lg

CONFIDENTIAL COMMUNICATION April 28, Revdex.com of Minnesota Customer #: [redacted] Attn: [redacted] SRiver Ridge Cir 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] *** Earlier today, our representative spoke with a contact in the records office of the Nashville Police Department who was able to validate Ms***’s police report to the extent necessary to satisfy the information required for our purposesHer claim was approved and the full purchase price of the order was credited as a result The related interest charges and late fees were also credited, and Ms***’s account reflects a $balance as of this responseIn addition, there has been no negative report to the credit agencies as a result of this issueMs***’s account has already been closed per her earlier authorization Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team

CONFIDENTIAL COMMUNICATION December 21, 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 recent inquiry that we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Ms [redacted] states the PlayStation she ordered had a scheduled delivery date of December 6, 2016, but it was not delivered and she never received itWhen she notified customer service, the representative advised to complete and return the affidavit they were sending, though Ms [redacted] did not receive the affidavitMs [redacted] does not want to be billed for an item she never received and requests this be resolved Our records indicate Ms [redacted] ordered a Sony PSwith Uncharteredgame on November 30, United Parcel Service tracking # [redacted] reflects they delivered it to ‘Front Door’ on December 6, at 4:p.mlocal time On the same date, Ms [redacted] called notifying she did not receive it, and the representative advised to allow more time as sometimes packages are found nearby or left in a concealed location on the premises to prevent theftOn December 9, 2016, Ms [redacted] called stating the package had not been found/received, and the representative sent a ‘merchandise not received’ affidavit to her address on file of [redacted] Philadelphia, PA A second affidavit was sent regular mail on December 12, per Ms [redacted] ’s request On December 13, 2016, we received the completed affidavit via an email attachment, and on the same date sent an email reply advising the claim was denied pending a police report given the significant monetary valueMs [redacted] called on the same date and the representative provided a fax number to fax the police report as wellTo date, we have no record of receiving the police report, and once received, we will proceed with finalizing the investigation, including any adjustments to Ms [redacted] ’s account at that time She may fax the report to ###-###-####, Attn: MNR Claims or email it to [email protected] Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/a

I have ordered one time from Fingerhut When I received my items a number of them did not fit properly so I returned them I only kept a total of two items which totaled $ Fingerhut did credit my account for the returned items but did not credit the $shipping charge I have paid a total of almost $because they continue to charge me late fees on shipping charges I would never order from this company again and I do not recommend anyone else order from them It is a scam

Initial Business Response / [redacted] (1000, 8, 2015/01/26) */ January 26, # [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 payments on her WebBank/Fingerhut Advantage Credit Account According to the information we have on file and as advised in the call recording dated August 28, 2014, the minimum payment due on Ms [redacted] account increased to $because of a purchase on her account on July 8, for two Rocker Recliners in ChocolatePer the terms of her account: PaymentsThe minimum payment is based on your Account balance as outlined in the payment chart belowThe minimum payment is due by the date set forth on the StatementWe will not impose any late charges if you pay as least the minimum payment reflected in your Statement by the payment due date specified, which will always be at least days from the Statement dateIf you wish, you may pay more than the minimum payment and at any time you may pay the entire new balance, without penalty The payment chart referenced above has not been included with this letter, but may be found in the terms of your account provided to Ms [redacted] by mail at the time she opened the account or in our catalogs As the payment received on August 24, was for $and not the minimum payment due, a late fee totaling $was added to her account balanceWhen a payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is receivedAdditionally, we may charge a late fee and interest charges will accrue on the balance owedThis payment left a remainder of $past dueThe minimum payment due at the time of her call on August 28, was $This amount was comprised of the remaining $past due and the $due on September 24, During the phone call on September 03, 2014, Ms [redacted] authorizes a payment for $30, advises that she has scheduled a payment for $online but never cancels it, and refuses the agent's offer to cancel the existing payment schedule for $Ms [redacted] states that she will cancel the $payment schedule onlineThis cancellation was never doneThis resulted in three payments being taken out of Ms [redacted] 's account with her authorizationThe first was on September 03, for $and was authorized over the phone with our agentThe second was the payment she had authorized on our website on August 29, for $This payment was scheduled for and taken on September 21, The final payment in the month was taken on September 24, for $This payment was from the existent schedule for the 24th of each month established on May 8, On September 24, 2014, Ms [redacted] spoke to another agent who offered twice to allow her to not make a payment until December 24, on the account as an exceptionThis was offered because of our inability to refund the money for the payments that she was disputing to her bank accountMs [redacted] refused both times again stating her demand that the money be refunded to her checking accountAt the end of the call, she hung up and advised the agent she would dispute the charges through her bank A partial refund $was refunded to the Debit card based on a charge-back received from the bank on November 21, This was issued on the payment for $that was made on September 21, The amount of the refund was determined by the request from the bank, in this case it was $This amount would likely have been visible back in Ms [redacted] 's account within the next 5-days, depending on the policies of the card issuer A payment was received from a bill payment service, utilized by the customer, on October 8, for $ Another payment for $from the payment schedule that was not cancelled by the Ms [redacted] was taken on October 24, A payment was received on November 24, for $from the existent payment schedule; however the payment did not cover the complete minimum payment due on November 24, for $This resulted in a late fee of $being added to the account balanceNo further payments were taken from the payment schedule due to the cancellation of the card On December 3, 2014, we received $payment from a bill pay service utilized by the customer On December 4, 2014, we received a $payment from a bill pay service utilized by the customer Because of the past due amount from the month of November, these payments were insufficient to cover the minimum payment due on December 24, A late fee in the amount of $was added to the account balance on December 24, We have not received a $payment as stated in Ms [redacted] 's complaintIf the customer believes that this payment has been taken from her bank account in error, we apologize for the inconvenienceWe request that she fax us a copy of her bank statement with the line item circled or highlight to [redacted] Attn: [redacted] or mail it to [redacted] StCloud, MN We will be able to continue our investigation into her missing payment upon receipt of the information The current minimum payment due is $on January 24, The remaining balance on the account is $as of January 21, Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw Initial Consumer Rebuttal / [redacted] (3000, 10, 2015/01/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) The above response did not address the issue at allIt was just a bunch of double talkNo one in their right mind would tell a credit card company that they do not want to skip a month or two's payment in lieu of a refundThat was an absolute lieThe customer service agents cannot speak English nor can they understand anything you say to them The issue was that Fingerhut made a payment using my credit card information for $without my authorisationPeriodAnd then when I canceled my bank card so that they could not do it again, they tried to reinstate the canceled card to make another unauthorised payment This place is a total scam, do not get a credit card with Fingerhut Final Business Response / [redacted] (4000, 12, 2015/02/09) */ CONFIDENTIAL COMMUNICATION February 9, # [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 additional inquiry that we received from your office on behalf of [redacted] regarding the payments on her WebBank/Fingerhut Advantage Credit Account We apologize that Ms [redacted] has indicated she doesn't believe our response to be accurate or honest As previously advised, per the call recording we have on file, during the phone call on September 03, 2014, Ms [redacted] authorizes a payment for $30, advises that she has scheduled a payment for $online but never cancels it, and refuses the agent's offer to cancel the existing payment schedule for $ As previously stated, we have obtained a call recording that indicates on September 24, Ms [redacted] spoke to another agent who offered twice to allow her to not make a payment until December 24, on the account as an exceptionMs [redacted] refused both times, again stating her demand that the money be refunded to her checking account As previously stated, a partial refund $was refunded to the debit card based on a charge-back received from the bank on November 21, This was issued on the payment for $that was made on September 21, The amount of the refund was the amount request by the bank, not by Fingerhut, for $ All of the payments that were taken had been authorized online or with a phone representativeWe are unable to request that a credit or debit card be reopened to process a paymentIf a transaction is processed on a cancelled method of payment, such as an existing payment schedule, the payment would decline and no further payments would be attempted without additional authorization At this time, we consider the matter closed Sincerely, [redacted] Executive Care Team VF/jw

Initial Business Response / [redacted] (1000, 5, 2014/03/28) */ CONFIDENTIAL COMMUNICATION March 24, Revdex.com of Minnesota Attn: [redacted] South River Ridge Circle Burnsville, MN # [redacted] 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 On November 25, Ms [redacted] placed an order on her WebBank/Fingerhut Account for the following items: Krazy Kar Ride-On, Lint Lizard Dryer Lint Vac Attachment, Art Kids Trifold Art Set, Fisher-Price Imaginext Superman Play Set, Bratz Twisty Styles Styling Head and a NutriBullet Nutrient Extractor by Magic BulletThe order was shipped in two packages from our warehouse by FedEx on November 27, and per the tracking information both orders show that they were delivered on December, at 11:am On December 19, Ms [redacted] contacted us over the phone regarding the status of her order and was advised that the order had been deliveredWe sent affidavits in the mail that she would need to complete and return to us so that we could investigate what happened to the merchandiseAt this time, a new order was set up for some of the items she did not receiveThese items were the Krazy Kar Ride-On, NutriBullet Nutrient Extractor by Magic Bullet, Imaginext Superman Play Set and the Lint Lizard Dryer Lint Vac AttachmentOn January 15, Ms [redacted] contacted us regarding the new order advising she had not received a portion of that orderPer the tracking information on the new order the items were shipped in three separate packagesThe first package contained the NutriBullet Nutrient Extractor by Magic Bullet and the Lint Lizard Dryer Lint Vac AttachmentThis package was shipped by FedEx and the tracking information shows that it was delivered December 27, at 8:amThe second package contained the Krazy Kar Riand the tracking information provided by FedEx shows that it was in transit but had not been deliveredThe third package contained the Fisher-Price Imaginext Superman Play SetThis package was shipped by USPS and the tracking information shows that it was delivered on December 31, at 9:pmOn February 14, we received correspondence from Ms [redacted] with concerns about her orders and we contacted her over the phoneAt that time, she indicated that she received only a portion of her new order and we issued credits to her account for the items missing from that orderThese credit adjustments were reflected on her billing statement that was sent to her on February 24, At that time, she was also resent the affidavit for the first order and was advised to complete and return to us so that we could investigate what happened with her packages We have received the affidavit from Ms [redacted] regarding the first order and reviewed the information we have regarding her ordersOn March 25, credits have been issued to the account for the items that she reported that she did not receiveThe only items Ms [redacted] will be billed for at this time are for the NutriBullet Nutrient Extractor by Magic Bullet and the Krazy Kar Ride-On [redacted] will see credit adjustments on her next billing cycle that prints on March 26, and on April 26, Thank you for allowing us to explain Sincerely yours, [redacted] VF/rsh

Initial Business Response / [redacted] (1000, 7, 2015/03/02) */ CONFIDENTIAL COMMUNICATION March 2, # [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 Credit Account Ms***'s account reflects that only a single purchase was made for a Bearpaw Women's Emma 10-inch Boot on November 7, We received the boots as a return on January 16, for the reason that they did not fit as expected, and Ms [redacted] received credit for the full merchandise priceHowever, per our return policy, "the original shipping/handling is nonrefundable on return merchandise if the item it not damaged, defective or in the case of a shipping error." For this reason, Ms***'s account continued to carry a balance for the $shipping/handling cost, despite no longer having Fingerhut merchandiseFor each month the minimum payment was not received by the due date, a late fee accrued, and interest accrued at the beginning of each billing cycle per the terms and conditions of the AgreementThese charges, along with the shipping/handling, constituted her outstanding balance The payoff amount that was valid if payment was made on or before her due date of February 24, was $We received a $payment, but not until April 14, Late fees and interest had accrued in the meantime, and Ms [redacted] remained responsible for the outstanding debt On the reverse side of each monthly billing statement are a series of disclosures advising customers on various aspects of their accountThe section titled "What To Do If You Think You Find A Mistake On Your Statement" explains the required steps necessary to file a formal dispute in this regardIt states, in part" "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 questionWhile we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent The charge in question may remain on your statement, and we may continue to charge you interest on that amountBut, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit." Had we received written notification from Ms [redacted] within days of her being aware that the $payment did not pay her account in full, we could have reviewed the possibility of settling her account to a $balanceHowever, we did not find any evidence of being notified of the dispute as required in writing, and Ms [redacted] remained obligated to make the minimum payment each month as shown on her statements Billing statements were sent each month via regular U.SMail to Ms***'s address on file of [redacted] ., Nicholasville, KY 40356, the same address on her inquiry filed with your office As the account went unpaid for over six consecutive months, it moved to a charge-off status on September 28, It was then sold to Jefferson Capital on July 30, As such, it is no longer in our possession and we no longer have the right to service it; Ms [redacted] should contact Jefferson Capital directly at [redacted] Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah

CONFIDENTIAL COMMUNICATION New Roman" size="3"> June 20, # [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 Ms [redacted] has stated she feels harassed by the phone calls she is getting regarding her bill, which is past dueShe has informed us that she has a family emergency, but that representatives have not shown empathy for her situationShe purchased a tablet she states is defective and she wishes to send the tablet back to FingerhutShe would like a refund and to be reimbursed for the return shipping and handling, bringing her account to a zero balance We at Fingerhut strive for exceptional customer service in all interactions with our customers, and we would like to apologize that Ms [redacted] feels this was not given to her Our records support an order was placed on February 9, for a Zeki 7" 8GB Android Tablet with Google PlayOn April 4, 2015, Ms [redacted] was advised of her warranty coverage as it was beyond our return policy timeframeAt this time, Ms [redacted] will have to work with the manufacturer regarding the warrantyMs [redacted] may call Zeki DNC (Digital Products International) at ###-###-#### Our return policy states: “We will exchange your product or give you a refund for most items returned in new condition within days after date of purchaseSorry, but returns will not be accepted for credit after daysIf you have any problems with a product, please check the manufacturer's warrantyComputers, tablets, e-readers, camcorders, digital cameras, electronic game systems, air conditioners, hol***y decorations, heaters and generators have to be returned within the 30-day home trial period.” Ms [redacted] is encouraged to call our Payment Department at ###-###-#### to request a payment plan which can help bring down her monthly payments during this stressful time, and eventually bring her account back into a current status As a courtesy, we have suppressed collection calls on Ms [redacted] ’s account until July 5, Sincerely, Vi [redacted] Executive Care Team VF/jm