Bluestem Brands

CONFIDENTIAL COMMUNICATION Roman" size="3"> August 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 the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] states she purchased a computer with a warranty from Fingerhut in April that is no longer workingShe contacted Dell to have the computer repaired and it only worked for a brief periodShe would like to have the computer replaced being she is still paying for the item Our records indicate Ms [redacted] purchased a Dell Inspiron 23.8" Full HD Windows All-in-One Desktop Computer with a Year Service Plan on April 9, On August 4, Ms [redacted] contacted Fingerhut stating the computer she purchased was no longer working properlyMs [redacted] was advised all product concerns would need to be handled by the manufacturer, Dell, as the merchandise was still covered under Dell’s manufacturer warranty Ms [redacted] contacted Fingerhut on August 8, stating Dell had tried to fix the computer, but it was still not working properly As a goodwill gesture to Ms [redacted] we will be shipping her a new Dell Inspiron 23.8" Full HD Windows All-in-One Desktop ComputerThis order was placed on August 24, and has an expected delivery date of September 2, For future reference Ms [redacted] should be aware of our return policy which states: “We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are nonrefundableComputers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchanges or accept returnsOther product concerns must be handled under the manufacturers’ warrantySoftware and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanges are permitted for the identical product only.” If Ms [redacted] has any further questions she may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS

CONFIDENTIAL COMMUNICATION July 8, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge Cir 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 her WebBank/Fingerhut Advantage Account order from May 31, for a Sealy Tuberose Plush King Mattress, Box Spring, and free bed frame Ms [redacted] states she received partial delivery of this order along with a notice from the carrier that one of the two twin box springs was damaged and to contact us for a replacementIn doing so, she encountered difficulties with our customer service which resulted in having to contact us numerous times, but eventually received helpful information and a replacement order upon reaching a supervisorUnlike the original, the replacement order was not approved to be delivered to her home apartment but only to the building’s front entranceMs [redacted] requests delivery to the door of her home apartment as well as a refund of the shipping/handling charge in consideration of the difficulties outlined in her inquiry We are pursuing Ms***’ report of substandard service, as all agents are accountable in providing accurate information in conformity to our policies and proceduresBased on our earlier research of this order and confirmed again upon a second review, the mattress was not included along with the shipment of the box springs and bed frameOn June 14, 2016, we received the one damaged box spring as a return and issued an account credit for the full purchase price of $On June 17, 2016, Ms [redacted] spoke with a supervisor, who confirmed the mattress had not been sent, and the remaining credit of $was issued, at which time Ms [redacted] had been credited for the order’s full purchase price of $ The supervisor initiated a replacement order on the same date for the box spring and the Sealy Tuberose Plush King Mattress Ms [redacted] still neededOur records indicate that on June 28, authorization was sent to Pilot Freight Services for delivery to Ms***’ apartment floor; the tracking number of [redacted] reflects successful delivery, as signed for by Ms***, on June 28, 2016, 12:p.mlocal time We have decided to make an exception to our standard policy and have issued an account credit covering the shipping/handling charge as a goodwill gestureThis credit will reflect on an upcoming statement for Ms***’ recordsAlso, we extend our sincere apology to Ms [redacted] for any inconvenience caused by these issues, but trust she will find the measures we have taken as a satisfactory resolution Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah

CONFIDENTIAL COMMUNICATION June 2, 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 Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] states his computer is not working after the return period timeframeHe states the computer is not a quality product and Fingerhut should stand behind the products it sells As we have stated previously, the computer Mr [redacted] purchased on August 16, is unable to be returned to Fingerhut as we require returns to be make in accordance to our return policyWe also have an obligation to apply policies fairly and consistently to all of our customersOur return policy provides pertinent information to guide and assist our customers with any questions regarding returnsAs stated previously, we are unable to issue any credit Due to the length of time that has passed since Mr [redacted] purchased the computer, he will need to contact the product’s manufacturer, Dell, at ###-###-#### Monday through Friday 8AM-9PM with any requests to repair or replace the item Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS [redacted]

Initial Business Response / [redacted] (1000, 17, 2014/08/21) */ CONFIDENTIAL COMMUNICATION August 21, # XXXXXXXXXX Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN XXXXX 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 a WebBank/Fingerhut Advantage Credit Account Ms***'s account indicates he placed an order for a Monogrammed 66pc Flatware Set, 4pc Stainless Steel Stovetop Set and a Timberland Women's Earth Keepers Rudston Mid Boot when speaking to a representative on September 5, Our records indicate Ms [redacted] contacted us on September 14, to inform us that she did not receive the merchandise When a customer states they have not received the merchandise ordered, Fingerhut has policies and procedures in place in order to conduct an investigationThe notes on Ms***'s account indicate we sent her an affidavit of non-receipt of merchandise on September 14, to complete and return to usShe would have also been advised that she would need to file a police report We received the affidavit and an investigation was completed but her claim was denied, due to the monetary value of the order a police report was neededA letter was sent to Ms [redacted] on October 3, to file a police report, making sure to provide us with a copyTo date we have not received a police report Our records indicate that due to severe delinquency, Ms***'s WebBank/Fingerhut Advantage Credit Account was charged off on July 26, and then sold to Midland Credit Management on August 19, Ms [redacted] will need to work with that agency for any further assistanceTheir contact info is: Midland Credit Management, at X-XXX-XXX-XXXX Thank you for allowing us to explain Sincerely, [redacted] VF/ca Initial Consumer Rebuttal / [redacted] (3000, 19, 2014/08/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) Clearly, the company NEVER looked into my complaintsAs you see they refuse to address the fact that the delivery person said he left the packages on my front porchHad they looked into the issue: they would know that I DO NOT HAVE A FRONT PORCHI live in a house that is over years oldThe front of the building has not been changed in over years!!! Our back yard cannot be entered from the street (unless you have a key to the dead-bolt lock)!! The company says I followed their directions regarding the complaint...until over months after the incident; when they told me to report the issue to the police My local police laughed me out of the police stationThey took one look at my papers and told me that I had no proof of a theft...no proof that any merchandise waws ever delivered (especilly since I do not have a front porch)...that I was telling them over six months after the factThe police departemnt refused to even take my statement or write a reportI told the company this...they waited a few months more and turned the u=issue over to a clooction agencyEach time the agncy contacted me; I told them about the non-delivery...and they told me that was between me and Fingerhut You know full well a large mail-order company knows how to go about reporting missing and/or stolen deliveriesThis company took advantage of a senior citizen...mislead me all the way...and then sold my case to a collections agencyThe collections company had the civil suit dismissed This debt is on my credit recordI do not want anything from this company...accept to clear my credit record of me ever having dealt with them Also I would like the Revdex.com to keep a record of what happened to me as a warning to other senior citizens Thank-you Final Business Response / [redacted] (4000, 21, 2014/08/26) */ CONFIDENTIAL COMMUNICATION August 26, # XXXXXXXXXX Revdex.com of Minnesota Attn: Katya Karaz S River Ridge Circle Burnsville, MN XXXXX Re: Case # - ***, [redacted] Dear MsKaraz, I am writing in response to further inquiry that we received from your office on behalf of [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We have no record of the delivery person telling Ms [redacted] that the package was left on her front porch As explained in our previous response, we received the affidavit and an investigation was completed but her claim was denied, due to the monetary value of the order a police report was neededA letter was sent to Ms [redacted] on October 3, to file a police report, making sure to provide us with a copyThis was one month after Ms***'s order and not six months after the fact as Ms [redacted] claims When a customer states they have not received the merchandise ordered, Fingerhut has policies and procedures in place in order to conduct an investigationThese policies apply to all customers regardless of age or race Our records indicate that due to severe delinquency, Ms***'s WebBank/Fingerhut Advantage Credit Account was sold to Midland Credit Management on August 19, Ms [redacted] will need to work with that agency for any further assistanceTheir contact info is: Midland Credit Management, at X-XXX-XXX-XXXX We consider this case closed unless Ms [redacted] can furnish us with a police report for mail theft Thank you for allowing us to explain Sincerely, Vi [redacted] VF/ca

CONFIDENTIAL COMMUNICATION October 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 we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] indicates he purchased a security system and was advised he would be receiving additional accessories with the itemUpon receiving the item the additional cables were not includedMr [redacted] would like to have the additional cables sent to him or a credit of $to purchase the additional accessories Our records indicate Mr [redacted] placed an order on our website on September 13, for a Foscam Amcrest 650TVL 8-Channel TB Video Security System which totaled $with shipping and handlingThe item shipped directly to the address we have on file for Mr*** Additionally, Mr [redacted] contacted us on September 13, to ask how many cables he would be receiving with the security systemWhile the agent was reviewing the information Mr [redacted] stated on our website the specifications listed two ftcables and two ftcables were included however, the image of the package contents indicated that eight 60ftcables were includedThe agent advised Mr [redacted] that he would be receiving exactly what was listed on the content list on the packageMr [redacted] requested to speak with a supervisor and the agent transferred Mr [redacted] to a supervisorWhen Mr [redacted] shared his concern with the supervisor she advised him she would check with a merchandise specialist for further clarification regarding the additional cables On September 16, Mr [redacted] contacted us again and requested the additional cables to be sent to himOn September 19, we sent an email to our vendor and requested them to send the additional cables if they should have been included or to send us updated specifications if the additional cables were not includedWe received confirmation from our vendor that the security system includes eight ftcables and the specifications for the security system were updated on our website on October 4, Customer Service is one of our top priorities and we sincerely apologize for any inconvenience Mr [redacted] may have experiencedAs a courtesy, we have issued a credit of $to Mr***’s account to help offset any additional expense Mr [redacted] may incur with the purchase of the additional cables If Mr [redacted] has further questions or concerns he may contact Customer Service at ###-###-####, Monday – Friday, 8:AM – 8:PM CT Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw

CONFIDENTIAL COMMUNICATION size="3"> May 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/Gettington Credit Account Mr [redacted] states that he recently found out about this Gettington account in his nameHe believes someone used his address and social security number to open this accountHe asserts that one of our representatives gave him the name of this person, and that he does not know this personHe also claims that he has tried calling us by leaving several voicemails, but we have not returned his calls Mr [redacted] is pursuing to confirm this fraudulent account is closed and that there have not been any further purchasesHe requests a correction on his credit report Our records indicate on August 26, an account was applied for using Mr [redacted] ’s personal information via the web and on that same day an order was placed for a Fisher Price Octonauts Barnacles’ Booster Jet PackThis item was to be shipped to Demorest RdGrove City, OH 43123.This item was delivered via UPS (surepost) at 9:AM on September 2, using the tracking number [redacted] On February 10, we sent Mr [redacted] an affidavit for the unordered merchandiseWe have not yet received the affidavit back from himWe attempted to call Mr [redacted] (at ####-###-####) on February 26, and again on April 11, in response to voicemails he had left for usWe left messages on both occasions Unauthorized account registration and activity is a serious matter, and we have certain procedures in place to assist those making this claimAs Mr [redacted] denies authorizing the account matching his personally identifiable information, we referred this matter to our Fraud DepartmentThey have instructed that a police report, as well as the returned affidavit, is required to complete the investigation As we understand the urgency of the situation, Mr [redacted] may expedite this process by faxing the required affidavit and police report to ###-###-#### Attn: Executive Care Team/Jessica or mail the documents to [redacted] StCloud, MN If Mr [redacted] is unable to provide a police report, he may supply the name of the agency, officer’s name, badge number, and the case numberOnce received, we will be able to further investigate his claimIf Mr [redacted] has any questions regarding this process, he may contact our Fraud Department at ###-###-####, Monday through Friday between 8:00am and 4:30pm CST Mr [redacted] ’s account has been marked with a verification hold, which will prevent further purchases on the account until the issue is resolved Once the affidavit and police report are received, we would be able to close the account for fraud, and send a request to remove any inquiries or trades from his credit bureau report A letter will be sent to Mr [redacted] at that time notifying him of the actions taken Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm

Initial Business Response / [redacted] (1000, 5, 2014/08/01) */ CONFIDENTIAL COMMUNICATION July 31, 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 Advantage Credit Account [redacted] from our office called and spoke with Ms [redacted] on July 31, 2014, in regards to the damage to the Ashley Montgomery Mocha Sofa she ordered Ms [redacted] 's account reflects she had previously received a $credit on this sofa orderHowever, after careful consideration, we offered Ms [redacted] an additional credit of $225.99, the amount of the original shipping and handlingMs [redacted] accepted this offer and advised [redacted] she will keep the couchMs [redacted] will see this credit on a future billing statement I sincerely apologize to Ms [redacted] for any inconvenience this issue may have caused Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/mhp

Initial Business Response / [redacted] (1000, 20, 2014/09/23) */ 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 inquiry that we received from your office on behalf of [redacted] regarding the overdraft fees on her bank account As this payment was scheduled on the website by Ms [redacted] and as the payment was processed via an electronic check, we would not normally be capable of issuing a check for the NSF fees encountered by Ms [redacted] Per our policy, we would request the customer file an unauthorized transaction through their bank However, we requested the recording of Ms [redacted] 's conversation with our agentOur agent erroneously promised a credit for the NSF fees on her bank accountAs such, we have issued a credit in the amount of $to her account on September 23, I sincerely apologize for the difficulties she experienced with our customer service Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw Initial Consumer Rebuttal / [redacted] (3000, 22, 2014/10/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) I never got a refund......everI do not accept this answer since nothing was done Final Business Response / [redacted] (4000, 24, 2014/10/09) */ 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 inquiry that we received from your office on behalf of [redacted] regarding the overdraft fees on her bank account I apologize for the miscommunication in our prior letterThe $refund was issued to Ms [redacted] 's WebBank/Fingerhut Advantage Credit Account on September 23, This credit will be visible on the next statement print on October 19, Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw

CONFIDENTIAL COMMUNICATION Roman" size="3"> May 16, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] states he purchased a Dell computer from FingerhutHe states the computer is not working properly and neither Dell nor Fingerhut would help with this issue Our records indicate Mr [redacted] purchased a Dell Inspiron 15.6" HD 4GB Windows Laptop Computer on August 16, Mr [redacted] contacted Fingerhut on January 25, stating his computer was not working properlyAt this time Mr [redacted] was correctly advised he would need to contact the products manufacturer as we require returns to be made in accordance with Fingerhut’s return policy which states: “We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are nonrefundableComputers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchanges or accept returnsOther product concerns must be handled under the manufacturers’ warrantySoftware and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanges are permitted for the identical product only.” Due to the length of time that has passed since Mr [redacted] ’s purchase, any requests to repair or replace the device should be referred and handled by the product’s manufacturerFor all concerns with this item, Mr [redacted] should contact Dell at ###-###-#### Monday through Friday 8AM-9PM Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team

Initial Business Response / [redacted] (1000, 5, 2014/10/21) */ CONFIDENTIAL COMMUNICATION October 18, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding calls she is receiving for one of our WebBank/Fingerhut credit account customers Ms [redacted] states that Fingerhut is repeatedly calling her cell phone looking for one of our customers and she would like the calls to stop Our records indicate that phone number [redacted] associated with the customer Ms [redacted] named in her complaint was removed from the account on October 13, As Ms [redacted] did not include the number on which she has been receiving calls in her complaint, we cannot be certain this is the correct numberIf the number listed above is not the number Ms [redacted] is receiving calls on, please contact Fingerhut customer service and provide the correct number for removalCustomer Service can be reached Monday -Friday 8:am to 8:pm at [redacted] We apologize for any inconvenience this situation has caused Ms*** Sincerely, [redacted] Executive Care Team VF/ljg

I would like everyone to know when you apply for credit at FingerhutIt will automatically take points off of your creditSo don't apply for helping your creditIt will hurt you!! I learned this after applying thinking it would help my credit?? No it hurt it, after finding out it hurt my scoreI found out that I didn't get approved because I didn't give enough information on my credit requestFinding that out I contacted Fingerhut requesting they take this inquriy off of my creditThey said they couldn't help meI don't have an account and still have points off of my creditI think it's a consumers right to know the points that come off of your Credit score right away

Initial Business Response / [redacted] (1000, 7, 2015/01/16) */ CONFIDENTIAL COMMUNICATION January 14, # [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] about his order for the Toshiba 50" 1080p LED Smart TV on his WebBank/Fingerhut Advantage Credit Account We apologize for the difficulties that he experienced with his orderAccording to the information we have on file, a credit was issued for the full purchase price of the television, including shipping and handling, in the amount of $1,on December 29, This credit was visible on Mr [redacted] 's statement that printed on January 1, At this time it appears that the issue has been resolvedWe consider this matter resolved at this time Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw

So I have been a customer for a little while for finger hut which is a bluestem brandI am upset that when I return a item they charge me return shipping even though I paid the shipping back to themI have earned a few credit limit increasesIf you want high prices and no customer serviceThen fingerhut is for you

Initial Business Response / [redacted] (1000, 7, 2014/11/14) */ CONFIDENTIAL COMMUNICATION November 14, # [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 return of the Beats by DrDre Pill Bluetooth Speaker in Red on his WebBank/Fingerhut Advantage Credit Account I have listened to that call recording that is referenced in Mr [redacted] 's complaint and apologize that he feels he has received poor customer service from our collections departmentIt is our goal to provide our customers with satisfactory service every time they contact us Fingerhut's Return Policy: We will issue an exchange or refund for most items returned in new condition within days of receiptNo returns will be accepted after the home trial period without prior return authorization from FingerhutReturns accepted after the 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 As the item was defective, I have issued a credit for the shipping and handling in the amount of $I have also credited the late fees and interest on the account from the purchase totaling $The remaining balance on the account is $This will be seen on the next statement printing on December 07, We have submitted a request to have the correct information updated on Mr [redacted] 's credit report on November 14, Please be aware that this information may take up to days for the credit bureaus to correct Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw

CONFIDENTIAL COMMUNICATION March 31, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the additional inquiry we received from your office on behalf of Ms [redacted] ***, regarding a WebBank/Fingerhut Credit Account Ms [redacted] states she does not accept Fingerhut’s response and her intention is to file a billing dispute It is the responsibility of our customers to review their billing statements each month regarding the charges and credits If our customers feel that there is an error in billing, we can review the error with our customer at that time Additionally, on the back of our monthly billing statements, under, “What to do if you think you find a mistake on your statement”, it states the address to write to, and also states: “You must contact us within days after the error appeared on your statement You must notify us in of any potential errors in writing” On the reverse side of each monthly billing statement are a series of disclosures informing and advising customers on various aspects of their account The 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.” Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/lg

Initial Business Response / [redacted] (1000, 10, 2014/03/27) */ [redacted] StCloud, MN www.fingerhut.com CONFIDENTIAL COMMUNICATION March 27, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] Dear Ms***, I am writing in response to an inquiry we received from your office regarding [redacted] Our records indicate that we received a payment in the amount of $on February 26, as Ms [redacted] states Prior to receiving the $payment on February 26, 2014, the last payment we received from Ms [redacted] was on August 3, When a payment is not received by the due date, the minimum payment 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 we may lower or take away our customer's credit limit per our Terms and Conditions that were agreed upon when the WebBank/Fingerhut Credit Account was opened Our records indicate that Ms [redacted] contacted our Corporate Office on March 24, She told an employee from our office that she no longer wanted her credit limit reinstated The credit bureau reporting accurately reflects Ms [redacted] 's WebBank/Fingerhut Credit Account history and is in full compliance with the requirements of the Fair Credit Reporting Act ("FCRA")We will not reinstate her credit at this time as per her March 24, request Thank you for this opportunity to explain Sincerely, [redacted] Executive Care Team VF/tas

Initial Business Response / [redacted] (1000, 5, 2014/02/03) */ CONFIDENTIAL COMMUNICATION February 3, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge Circle Burnsville, MN 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 Fingerhut FreshStart Account issued by WebBank Mr [redacted] 's account reflects he placed an order for the Uniden Bearcat Channel Clock Radio Scanner on November 24, We received this item as a return on January 8, Credit was issued to Mr [redacted] 's account for the merchandiseHowever, the original shipping and handling is non-refundable on return merchandiseOur return policy is listed in the terms of sale in the customers catalog, on their packing slip and under the Help button on our website After careful review and consideration, we have made an exception to our usual policies and issued credit on February 3, 2014, for the original shipping and handling on the return of the scannerWe have also credited the interest in relation to this order Mr [redacted] 's account reflects he was sent a refund check on January 31, 2014, in the amount of $After the credits were issued on February 3, 2014, Mr [redacted] 's account has a $credit balanceI have requested a refund check in the amount of $be sent to Mr [redacted] We advise it may take fifteen business days for Mr [redacted] to receive the refund check Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/mhp

CONFIDENTIAL COMMUNICATION March 17, # [redacted] Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Cir 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 his WebBank/Fingerhut Advantage Credit Account balanceWe would like to provide Mr [redacted] with a clearer understanding of his balance, which originated with his January 13, order for a Roku Streaming Player and Vanco 6-Foot HDMI Cable The first payment was not received by the due date of February 15, 2015, resulting in a $late fee added to the balanceHe paid the balance on February 23, 2015which brought the account current and continued to pay on time through April Another $late fee was added when no payment was received by his May 15, due dateOn June 5, 2015, the account was paid current, but the next payment was received on July 16, which, while just a day late, still accrued another $late fee (we do not have a grace period)The next payment arrived a few days late on August 18, and a $late fee resulted The next payment was made September 22, and accrued a $late feeOn October 2015, Mr***'s bill went unpaid and a $late fee was added to his accountAs a reminder, if the required minimum amount due is not received, or is less than the amount required, the minimum amount due the next month will be higher and continue to be higher until the correct minimum due is receivedMr [redacted] now was required to make a minimum payment of $by his November due date to cover October's past due amount and the new amount due for NovemberWe received a $payment on November 16, and a $late fee was charged On December 4, 2015, Mr [redacted] brought his account current and has continued to make on-time payments ever sinceOur records show that Mr***'s statements were being sent regular mail to his address of [redacted] Wausau, WI They further show that, on December 18, via his web account, he opted to receive his statements electronically to his email address on the inquiry While we sympathize with Mr***, he remains responsible for payment towards his account, the balance for which is accurate per the reasons outlined aboveHowever, we have decided to credit the most recent late fee as a goodwill gestureThis will reflect on his upcoming statement and, allowing for this adjustment, we maintain his current balance of $is fully accurateNo further adjustments will be made Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah

Initial Business Response / [redacted] (1000, 5, 2015/09/03) */ CONFIDENTIAL COMMUNICATION September 2, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding a credit inquiry reflecting on her credit report In Ms***'s complaint, she states that there is a fraudulent inquiry on her credit reportMs [redacted] further states, that she has not been able to get legal documentation to prove the inquiry is not hersMs***'s desired resolution is to have the inquiry removed from her credit report immediately Based on our research, we were unable to locate any inquiries based on Ms***'s personally identifiable information In order to locate the inquiry Ms [redacted] is referring to, and to further investigate her claim, more information will be necessaryPlease have Ms [redacted] provide a copy of her credit report showing the inquiry Ms [redacted] can contact the Fingerhut Executive Care Team with the necessary information, by mail: Fingerhut Attn: Executive Care Team [redacted] StCloud, MN Or fax the information to [redacted] Attention: Executive Care Team Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) There is an inquiry on my credit file: WEBBANK/FINGERHUT [redacted] EDEN PRAIRIE, MN (800) [redacted] Requested On: 08/05/ Inquiry Type: Individual This is not minePlease remove Final Business Response / [redacted] (4000, 9, 2015/09/10) */ September 10, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to a second inquiry received from your office on behalf of Ms [redacted] regarding a credit inquiry reflecting on her credit report In Ms***'s response to our request, she states the date of the fraudulent inquiry on her credit report occurred on August 5, Ms***'s desired resolution is to have the inquiry removed from her credit report immediately Based on our research, given the above date of August 5, 2013, we were able to locate an inquiry based on the date and Ms***'s first and last name Our records indicate we received an application for credit on August 5, The application was processed via the internetThe name on the application is the same one Ms [redacted] provided when contacting us regarding this issueThe application was denied As Ms [redacted] denies authorizing the credit application matching her personally identifiable information, we referred these matters to our Credit Risk Department for further reviewA copy of the application is enclosed for your reference As a result of their investigation, the inquiry on Ms***'s credit report was referred to Equifax Credit Services, TransUnion L.L.C., and Experian Information Solutions, Incfor removal; please allow 60-days for the information to be removedAdditionally, Ms [redacted] 's information has been marked for our system to instantly recognize, flag, and block similar attempts in the future, should they occur Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosure

Initial Business Response / [redacted] (1000, 5, 2014/06/19) */ CONFIDENTIAL COMMUNICATION June 18, # [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 [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate that Mr***'s account was opened via an online application on December 24, and an order was placed on that same day for a GC Shoes Women's Mandy Suede Riding Boot, Jewelry Polishing Cloth and Sterling Silver Name Hoop Earrings We will require Mr [redacted] to send us a police report for identity theft to [redacted] Cloud, MN Attn: FraudTo expedite, Mr [redacted] may fax the completed form to: [redacted] , Attn: ***Upon receiving the police report, we can then conduct an investigation Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ca