Bluestem Brands

CONFIDENTIAL COMMUNICATION New Roman"> September 22, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] , regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] states that he did not receive the power washer he ordered on August 14, He contacted us via email on August 22, and we responded back asking if he wanted the item replaced or credited, and he advised he would like the item replacedHis inquiry also states that we ordered the wrong item to be resent to him, an Xbox charger packMr [redacted] says that when he called us to advise we’d ordered the wrong item, the agent advised she would need to credit the original power washer and recharge his account for the replacement order Our findings, after researching Mr [redacted] ’s account, are in alignment with what he states occurredHe contacted us to advise he did not receive the power washer, and an incorrect replacement was sent to him We apologize that the incorrect item was sent to Mr [redacted] On August 29th, 2016, a no charge order was placed for the Sun Joe PSI Pressure WasherTracking indicates it was delivered on September 1, We have issued credit for the second Xbox charger pack, since we sent it to Mr [redacted] in errorHe may keep the merchandise at no cost As a courtesy, we are also sending Mr [redacted] a discount coupon, under separate cover, for $that he may use on a future order Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw

CONFIDENTIAL COMMUNICATION August 30, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge Cir 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 payment issues on her WebBank/Fingerhut Advantage Credit Account Ms [redacted] states her home had flood damage on two separate occasions in April and May due to the Houston, TX area being impacted those monthsWhile making repairs to her home and staying in alternate lodgings, Ms [redacted] rushed to make the payment on her June 5, due date to ensure it was not lateShe states she made the payment online, but “it does not explain that using the express payment option, it would not allow you to select the payment method when you continue.” As a result, the payment method she used did not have sufficient funds to cover the Fingerhut payment, as those funds were spent on home repair costsShe then contacted us to stop the payment and take it form a different account, but states we refused to do soLikewise, for the payment she made on August 5, 2016, Ms [redacted] states she again had to “replace” it with another she made on August 12, which was successfulMs [redacted] requests, in consideration of the flood-related financial hardships, that any necessary correction be made to her credit report if we find that late payments were reported We agree that Ms [redacted] ’s account was being paid on time each month, including the $‘e-check’ payment made on June 5, via her web account with checking ending ***However, it was returned to us on June 12, as invalid/insufficient fundsOn June 24, 2016, Ms [redacted] made a successful payment for $via her web account with MasterCard debit ending ***Her required minimum due by July 5, was $152.26, however no payment was received by the due date and a $late fee was assessedThe required minimum amount for her August 5, due date was $309.73—as it included July’s past due amount of $plus the new amount due of $ On August 5, 2016, via her web account, Ms [redacted] made an e-check payment for $with checking ending ***However, it was returned to us on August 12, 2016, again for the reason of insufficient fundsThis caused a $late fee to be assessed on August 5, and a $returned check fee on August 12, On the same date, Ms [redacted] made a successful payment for $via her web account with MasterCard debit ending *** Please understand that payment decisions are something customers control themselves via the self-service payment options available on their web accountFurther, when a customer enters their method of payment information, they have the option to save the method of payment for quick, easy use the next time they make a paymentThis is likely what Ms [redacted] is referring to when she states she used our “express payment option,” however, also clearly visible on their web account, just below any saved payment methods, is a link to add a new payment method titled “Pay With New Method of Payment.” As a result, we cannot assume responsibility for Ms [redacted] ’s assertion of being restricted to only using her checking accountMs [redacted] contacted us via email on June 7, asking to cancel the payment made two days prior with checking ending ***We sent an email reply on the same date correctly advising we are unable to cancel a checking/savings account payment once it has been made, and she should contact her financial institution for assistance in that regard As a courtesy, we have decided to make a one-time exception and have credited the $returned check feeWe have also restored Ms [redacted] ’s account to “paid current/good-standing” status and adjusted her minimum payment to the regular amount of $This is the amount she needs to make by her next due date of September 5, We reviewed the credit reporting history for her account, and confirmed it was recently reported days past dueGiven Ms [redacted] ’s hardships caused by a natural disaster/major floods, we have sent an update to remove the 30-day late paymentPlease allow to days for the update to process and to reflect on Ms [redacted] ’s credit files Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah

Initial Business Response / [redacted] (1000, 5, 2014/07/24) */ CONFIDENTIAL COMMUNICATION July 23, 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 WebBank/Fingerhut Advantage Credit Account Mr [redacted] 's account reflects he placed an order on May 21, 2014, for Hanes Men's Crew Socks (10pk) and a pair a Skechers Men's Expected Avillo Casual Shoes The Hanes Socks were on backorder and then canceled due to no inventoryThe Skechers shoes show they were shipped and delivered on May 29, 2014, by the United States Postal ServiceThere are no notes on Mr [redacted] 's account to indicate he contacted us about not receiving the shoes After careful review and consideration, we have issued credit for the Skechers shoesWe have also credited the accrued late fees and interest in relation to this itemMr [redacted] 's will see these credits on a future billing statement As of July 25, 2014, Mr [redacted] 's account has a zero balance Additionally, we have updated the information on Mr [redacted] 's account to the credit bureaus and advise it may take up to sixty days for the update to process Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/mhp

Initial Business Response / [redacted] (1000, 9, 2015/04/23) */ CONFIDENTIAL COMMUNICATION April 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 Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] placed an order on December 7, for our Fingerhut Choice Plus MembershipThe annual fee that was billed at the time of the order being placed was $and offered, in part, the following benefit: Unlimited free standard shipping for one year When Ms [redacted] placed the order in December 2013, her membership was active for one full year and because we are no longer offering the program the membership did not get renewed and ended on December 7, We currently do not offer any type of membership program that offer the same benefitsWhile we cannot offer free shipping on all Ms***'s orders we do email special offers and events periodicallyTo receive special offers and promotions she may select the option on our website at www.fingerhut.com Ms [redacted] placed an order on March 4, for the Sony ReceiverAt the time this order was placed, an exception was made to give Ms [redacted] free shipping on the itemAt this time we also gave her a promotion code (4feathers) for a 10% discountThis discount which resulted in a $credit being applied to her order, bringing the order total down to $On March 25, 2015, we received the return of this item and an exact exchange was completedWe apologize if this is not what Ms [redacted] had intendedOn April 7, 2015, the return was received of the exchange and full credit was issued of $The credit for the return will be reflected on her statement printing on April 22, Additionally, since an exception was made to give free shipping and the promotion code discount on the order she had to return, we will honor the discounts on her order for the Gaming DesktopSince Ms [redacted] used a $off promotion code that has already been applied to the new order, we have credited an additional $to honor the 10% discountWe have also credited the shipping and handling fee of $Please understand the credits will take one to two billing cycles to reflect on her statement We trust this explanation will meet Ms***'s expectations of a satisfactory resolution and sincerely appreciate her patience throughout this process Thank you for allowing us to explain and assist Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/bw

I am rejecting this response because: I would like to know if FingerHut would drop all of the late charges and have the balance where it was before I was unable to continue the paymentsI will start my low payment of what is was beginning in July and receive my available! Credit back onto my account.Thanks [redacted] L [redacted] I

CONFIDENTIAL COMMUNICATION New Roman" size="3"> June 27, # [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 returned the defective Schumacher 100-Amp Speed Charge, and when she called the manufacturer she was instructed to return it back to FingerhutMs [redacted] asserts that Fingerhut has denied the return and that we have disposed of the itemHe requests a replacement or a credit to be issued to his Fingerhut account Ms [redacted] ’s account indicates an order was placed for a Schumacher 100-Amp Speed Charge on October 30, Our records indicate we received the Schumacher 100-Amp Speed Charge as a return on March 1, 2016, when the return was received, it was sent back to Ms [redacted] A letter was also sent explaining that it was past our refund period and credit would not be issuedIt was also explained in the letter that should Ms [redacted] refuse the shipment and/or it be returned to us again, credit would not be granted and Ms [redacted] would still be responsible for the chargesOn March 18, we received the return of the item againNo credit was issued and the item was disposed of Fingerhut Return Policy: We will issue an exchange or refund for most items returned in new condition within days of receipt Returns will not be accepted for credit after days Other product concerns must be handled under the manufacturer’s warranty Shipping and handling charges are non-refundable Return postage is the responsibility of the customers This policy is disclosed in at least two locations, in every catalog, and on Fingerhut’s website If Ms [redacted] has any further questions regarding this matter he may contact Fingerhut Customer Service at ###-###-#### Monday through Friday 8AM-8PM Thank you for allowing us to assist and explain Sincerely,

Initial Business Response / [redacted] (1000, 5, 2015/10/20) */ CONFIDENTIAL COMMUNICATION October 19, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] Jr, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] Jrregarding a WebBank/Fingerhut Advantage Credit Account Per the Account Terms and Conditions to which Mr [redacted] has agreed, "We may increase or reduce your credit limit, or suspend or terminate your Account at any time without causeWe will provide notice to you to the extent applicable by law." Any reduction, increase, or other change to the account's credit limit is the result of ongoing systematic monitoring of the account activity dataThis information may pertain to the customer's Fingerhut Account as well as their credit history as a whole Customers who show an overall strong performance with respect to credit may notice their Fingerhut Account has been given a credit line increase, either temporary or permanentBy placing an order or orders on their credit account during the time their temporary increase is in effect, the customer's regular credit limit is given a permanent increase matching the amount of the order(s), to a round dollar figureIf no orders are place within the applicable time frame, the temporary increase expires and the regular credit limit is restored In regards to Mr [redacted] 's concern that the credit increases may lower his credit score, unfortunately, credit reporting agencies do not reveal the exact details and inner-workings of their scoring systemsWhat is known are the basic components and attributes of a credit file that are influential determinants of the overall credit ratingIf our temporary credit increase would have any impact in this regard, it would be in relation to the "credit utilization" (also known as debt-to-credit-limit ratio), which is the percentage of available credit that has been borrowed While we feel this process does not have any long-term, unreasonable impact on our customers' credit ratings, we respect and accommodate customer requests to opt out of credit increases Our records indicate that Mr [redacted] 's credit was increased to $on June 3, On August 17, Mr [redacted] requested to opt out of temporary credit line increasesThis request could not be processed as Fingerhut requires customer's specify both temporary and permanent increases be frozen After another account review, Mr [redacted] was given an additional temporary increase on September 3, Mr [redacted] notified Fingerhut on September 10, that he no longer wanted any credit increases on the accountThis request was processed on September 23, and his credit limit was frozen at $ Per Mr [redacted] 's request, his WebBank/Fingerhut Advantage Credit Account was closed on September 27, We trust this explanation will meet Mr [redacted] 's expectations, and would like to apologize for any confusion this may have caused him Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS

Initial Business Response / [redacted] (1000, 5, 2014/03/13) */ [redacted] StCloud, MN www.fingerhut.com CONFIDENTIAL COMMUNICATION March 12, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] Dear Ms***, I am writing in response to an inquiry we received from your office regarding [redacted] We understand that Ms [redacted] is experiencing some confusion regarding the reporting of her Fingerhut tradelines to the credit bureausPlease allow me to explain that on February 17, 2010, Fingerhut changed credit issuers from CIT Bank to MetaBankDuring this transition, credit accounts may have been reported to the credit bureaus under both CIT Bank and the MetaBank name To provide the complete and accurate history of this account, which we are required to do by law, the reporting to the credit bureau will show the original creditor, FingerhutIt will also reflect the account when credit was issued by CIT Bank, and MetaBank for each of those time periodsWe are unable to remove that information, but can assure that the reporting reflects only one credit account, not two separate accounts Although it may appear we are reporting separate accounts, it really is just a continuation of the same account with the same account numberThe credit bureau reporting is accurate and in full compliance with the requirements of the Fair Credit Reporting Act ("FCRA") I would also like to explain the Ms [redacted] 's Fingerhut Credit Account was sold to CompuCredit/Jefferson Capital on January 28, Ms [redacted] may contact them at [redacted] Thank you for this opportunity to explain Sincerely, [redacted] Executive Care Team VF/tas Final Consumer Response / [redacted] (3000, 14, 2014/03/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Hello, I have to inquire as to exactly how the reporting will be updated before I can decide whether to accept this response Thank you, [redacted] Final Business Response / [redacted] (4000, 16, 2014/03/25) */ [redacted] StCloud, MN www.fingerhut.com CONFIDENTIAL COMMUNICATION March 25, # [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 second rebuttal that we received from your office regarding [redacted] The Fingerhut/MetaBank reporting will be removed from her credit bureau reporting and the Fingerhut/CITBank will show that it was purchased by another lender As stated in our previous response letter, this request may take up to days for the credit bureaus to update Thank you for this opportunity to explain Sincerely, [redacted] Executive Care Team VF/tas

CONFIDENTIAL COMMUNICATION face="Arial" size="2"> July 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 we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account In Mr [redacted] ’ inquiry he states he placed an order for a canopy and due to the item being unreliable he was sent a postage paid return label to return the item for a refundHe also indicates he received a call from Fingerhut and was advised he had a $credit limit with Fingerhut and available credit that was owed to Mr [redacted] from the payments he had made toward the canopy of almost $He states an agent talked to him about other products and that he ordered a smartwatchHe claims the agent indicated he still $owed to him and the $in Fingerhut creditHowever, Mr [redacted] states he received a statement from Fingerhut with a balance of $when he shouldn’t owe any balanceHe also claims to have received the incorrect smartwatchMr [redacted] also indicates he has experienced difficulty while attempting to speak with supervisorsHe would like his account to reflect a zero balance and to be contacted by phone Our records indicate an order was placed on our website on April 18, for a 10xInstant Garage or Canopy which totaled $including shipping and handlingThe canopy was delivered by UPS on April 21, at 10:AMWe received a payment from Mr [redacted] on May 3, for $Mr [redacted] requested to receive his monthly billing statements electronically to the email address we have on file for him when he applied for his Fingerhut Credit accountOn Mr [redacted] ’ May 9, billing statement, a minimum payment of $was due by June 5, On June 4, we received a payment of $On his June 9, statement, the minimum payment of $was due by July 5, Due to no payment being received by the due date a late fee of $was assessed to Mr [redacted] account When Mr [redacted] opened his Fingerhut Credit account he agreed to the terms and conditionsWithin these terms and conditions it states, “Late fees will be equal to your minimum payment due with a maximum amount of $The maximum amount will increase but not be more than $if you did not make your minimum payment on time in any one of the prior billing cycles.” On June 26, 2015, Mr [redacted] contacted us by phone and advised us that the metal on the canopy was brokenThe canopy had a year limited manufacturer warranty and we advised Mr [redacted] to contact ShelterLogic for further assistanceOn his July 9, statement the minimum payment of $was due by August 5, No payment was received and a late fee of $was assessedOn his August 9, billing statement, a minimum payment of $was due by September 5, On August 27, 2015, Mr [redacted] contacted us by phone to update his billing and shipping address and to verify if the return of the canopy had been receivedWe have no record of authorizing the return of the canopy after referring Mr [redacted] to the manufacturerThe agent advised Mr [redacted] that we would issue credit for the canopy as a courtesy in the amount of $The agent also issued credit for the remaining balance of $as a courtesy to bring Mr [redacted] account to a zero balanceSince the item was charged to Mr [redacted] ’ Fingerhut credit account and since Mr [redacted] was still responsible to make the minimum payment due on the account until the return was received and credited, the late fees that were assessed to Mr [redacted] account were validWe have only received two payments which total $If Mr [redacted] has record of any other payments that have been made on his Fingerhut Credit account that are not reflected in this letter he may send us a copy of the front and back of the cashed check or money order to Executive Care Team Attn: Becky [redacted] StCloud, MNfor further review or to expedite he may fax it to ###-###-#### Mr [redacted] September 9, billing statement reflects the credit issued for the return and the credit for $and reflects a zero balance On March 31, 2016, our records indicate Mr [redacted] placed an order by phone for a Sony SmartWatch Black which totaled $including shipping and handlingSince we do not participate in outgoing sales calls the information would have been provided by Mr [redacted] at the time he contacted us to place the orderWe have no record of us calling Mr [redacted] to place an orderThe catalog number provided at the time of the order did not offer deferred payments Mr [redacted] contacted us by phone on April 8, and stated he wanted to return the watchThe agent advised Mr [redacted] to return the watch using the postage paid return label that came along with the item When Mr [redacted] April 9, billing statement cycled, it reflected a minimum payment of $due by May 5, No payment was received and a late fee of $was assessed to Mr [redacted] accountOn his May 9, billing statement, the minimum payment of $was due by June 5, No payment was received and a late fee of $was assessedWhile Mr [redacted] opted to receive electronic statements from us, paper statements will be sent to the address we have on file if the account becomes past dueOnce the account is brought current, electronic statements will resumeOn his June 9, billing statement, the minimum payment of $was due by July 5, Mr [redacted] contacted our Customer Service Department on June 24, and spoke with an agentHe advised the agent that he felt he didn’t owe anything on his accountHe advised the agent he should have had deferred payments on the order, requested a postage paid label to return the watch and an itemized statementMr [redacted] also requested to speak to a supervisorWhen the agent was attempting to transfer Mr [redacted] to a supervisor, Mr [redacted] hung upWe sincerely apologize for any inconvenience Mr [redacted] may have experiencedThe agent sent the postage paid label as a courtesy and requested the itemized statement to be sent to the address we have on file for Mr [redacted] the same day Our return policy is listed in our catalogs and on our website and is as follows: We will exchange your product or give you a refund for most items returned in new condition within days after date of purchaseReturns will not be accepted for credit after daysIf you have any problems with a product, please check the manufacturer’s warrantyFingerhut provides a convenient prepaid return label service for most productsYou can visit our Returns Center in the My Account area of the website to print a new return label at Fingerhut.com or contact Customer ServicePre-paid return labels are not available for truck-ship items, oversized items, or Fingerhut FreshStart accountsContact Customer Service for help with your return To date we have not received the return of the watchSince the item is outside of our return policy time frame we will allow the return of the watch through July 24, This time frame allows Mr [redacted] a full days to return the item from the date the agent sent out the postage paid return labelIf the watch is not received by July 24, 2016, no credit will be issued If Mr [redacted] has further questions regarding his account he may contact a member of our Executive Care Team at ###-###-#### for further assistanceHe may also contact our Customer Service Department 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 May 26, Revdex.com of Minnesota # [redacted] Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: Mr [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to a second inquiry received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut credit account ending in ***Mr [redacted] states that his WebBank/Fingerhut credit account was not included in his bankruptcy and should not be reporting negativelyMr [redacted] further states that WebBank/ Fingerhut is entitled to close an account and report as “Closed by Creditor” because the account was never delinquent as no orders were ever placed on this accountMr [redacted] ’s desired resolution to remove the derogatory remarks from his credit reportAs stated in our initial response, a WebBank/Fingerhut credit account ending [redacted] was opened when an application for credit was processed online July 13, in the name [redacted] A [redacted] According to public record, Mr [redacted] filed Chapter bankruptcy on August 24, The court had notified all of Mr [redacted] ’s creditors that he filed Chapter bankruptcy regardless if Mr [redacted] had included the accounts or notFingerhut was notified by the courts and updated Mr [redacted] ’s account to Closed due to Bankruptcy on November 1, On March 28, 2013, Mr [redacted] attempted to order a Scosche iPad Black Leather Textured Folio Case using the first Fingerhut credit account ending in ***The order was cancelled as the account was previously closed due to Bankruptcy Our records indicate a second credit application was received on March 28, 2013, with Mr [redacted] ’s name which was approved for a Fingerhut FreshStart Installment Loan account ending in [redacted] upon receipt of a $down paymentAn order was placed online the same day for a Scosche iPad Black Leather Textured Folio Case On June 9, 2013, Mr [redacted] graduated into a second WebBank/Fingerhut credit account ending in An order was placed for a Honeywell True HEPA Quietcare Air Purifier with a year Service Plan According to public record, Mr [redacted] ’s bankruptcy was discharged on January 21, and the case was closed on April 1, Based on an account review on May 11, 2016, Equifax, Experian and Trans Union are reporting Mr [redacted] ’s account ending in [redacted] accurately as Closed Due to Chapter Bankruptcy with a zero balance and past dueIn order to ensure all bureaus are reporting the same, an electronic update was sent to the bureaus to update the Date of Account Information to August 24, (Ref: [redacted] ) The bureaus are also accurately reporting the Fingerhut FreshStart Installment Loan account ending in [redacted] and second Fingerhut credit account ending in [redacted] as ‘paid and closed with a zero balance’ and ‘current with a zero balance’, respectivelyWe cannot revise any additional 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 wellIf Mr [redacted] still has questions about his account regarding what has or has not been reported to the credit bureaus, he may contact Fingerhut by calling toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Standard TimeThank you for allowing us to explainSincerely, Kari [redacted] Executive Care Team KD/sjj

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me. Thank you for taking care of the issues that were addressed. I do need to mention that the customer service that was received from the general customer service lines were completely unprofessional and unsatisfactory. The agents were rude, spoke over us, yelled at us and refused to let us speak to a supervisor. Also, I did see that you mentioned that the account was noted on 9/21 for our complaint... We had been calling every other day since 9/6 and were promised, by the agents, that my account would be noted about the missing parts. This is upsetting to read that there were more lies that were given in this ordeal. I can not say that I will be using your company in the future due to this whole mess. The fact that the agents were trying to charge me for an item that clearly was part of the description, does not sit well with me. They had offer to sell us the heater for a "discounted rate" from $100 to $50, plus shipping and handling... it's just not right. Sincerely, [redacted]

CONFIDENTIAL COMMUNICATION January 4, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] ’ regarding a WebBank/Fingerhut Advantage Credit Account In Mr [redacted] ’ inquiry he states he has been unable to get his billing issue resolved with Fingerhut Mr [redacted] also states he has made roughly $in payments towards his balance due After reviewing Mr [redacted] ’ account, his first purchase was on August 31, in the amount of $ On September 27, 2016, Mr [redacted] made a second purchase of $of which he returned on October 17, Mr [redacted] received credits of $202.04, $7.95, and $for the item, original shipping and return shipping Payments have been received in the amounts of $on September 27, and $on October 27, When Mr [redacted] ’ November statement was sent he owed a minimum payment of $8.99, as his balance was $ This payment was due on December 7, When payment was not received, Mr [redacted] received a late fee of $ As a courtesy, this late fee of $was refunded to Mr [redacted] ’ account Mr [redacted] ’ current balance is $and the minimum due to bring the account current is $which is due by January 7, to avoid any further late fees We apologize for any inconvenience this may have been caused to Mr [redacted] If he has any further questions or concerns, he may contact our Customer Service Department at ###-###-####, between the hours of 8:AM and 8:PM, Central Time, Monday-Friday Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/AH

I am rejecting this response because: First thing is that, As instructed in the reply from Vi ***, I contacted that number that I was instructed to contact and he was totally confused about all of it, so still not able to get a new airbed Second, the part that I did not contact anyone with Fingerhut is totally a lie! I contacted several people in regards to that Airbed If I had not spoken with anyone, then how and why did my sister get a check sent to her for the price of the bed, how did I have names of individuals and numbers that I called??? So I had to speak with someone in the company to get that accomplished Third thing is had his personnel have know all the instructions in regards to how to process a manufacture warranty program, this would all be a mute point, because I would have contacted that number in the first place, and I would have the new bed by now and I would not be writing this complaint to the Revdex.com Which in it self is interesting, because I was the one who purchased the bed, but she was then one who got the refund for the bed, shouldn't the refund come back to the person who purchased the bed???? After all, it was my account So I am rejecting this response because of those reasons I am not totally satisfied, but it is no longer important My sister did receive a check for the price I paid for the bed, minus the year service contract price and shipping and handling of the bed, and that being said, I will be paying this account off in a couple of weeks and I will close the account out That will be my satisfaction with this situation Thank you for trying to assist me in getting a resolution in this matter

Initial Business Response / [redacted] (1000, 7, 2015/02/25) */ CONFIDENTIAL COMMUNICATION February 25, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account If at any time Mr [redacted] was given incorrect billing/payment information by one of our agents, we sincerely apologizeWe are pursuing this matter, with appropriate coaching and other corrective action being provided to the agent Our records show the payment amount needed to bring Mr [redacted] 's account current by his due date of February 2, was $This was fulfilled with his successful payments dated January 22, for $and February 5, for $ Unfortunately, another payment made on January 22, for $was returned to us as invalid several days later on January 31, For this reason, the $payment was unsuccessful Upon bringing his account current, Mr [redacted] 's remaining balance to pay off the account in full by his next due date of March 2, was $His payment made on February 13, for $was successful, and his account reflects a $balance as of the date of this letter Thank you for allowing us to assist and explain Sincerely, [redacted] Executive Care Team VF/ah

Initial Business Response / [redacted] (1000, 5, 2014/09/10) */ CONFIDENTIAL COMMUNICATION September 8, # [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 missing items on her WebBank/Fingerhut Advantage Credit Account Ms [redacted] 's account indicates she placed an order for a HP 15.6" 4GB Windows Laptop Computer in Purple, Canon Pixma Wireless Office AIO Inkjet Printer and a Dell Venue Pro 8" 32GB Windows Tablet on April 21, via the webOur records indicate that we received the HP 15.6" 4GB Windows Laptop Computer in Purple and the Canon Pixma Wireless Office AIO Inkjet Printer as a return on May 9, and a credit for the merchandise was issued to Ms [redacted] 's account on May 9, Ms [redacted] 's account indicates she contacted us on May 20, to inform us that she did not receive the Dell Venue Pro 8" 32GB Windows Tablet When a customer states they have not received the merchandise ordered, Fingerhut has policies and procedures in place in order to conduct an investigationOur records indicate that a second affidavit of "non-receipt of merchandise" was sent on August 29, and should be received at Ms [redacted] 's address within days of that dateAdditionally, we will need her to file a related police report due to the monetary value of the merchandise If she is unable to file a police report, the customer may provide us with an officer's name and badge number, telephone number, police precinct name, and case number with the completed affidavit Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/jw Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/09/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) When I spoke with the police department about the situation, they told me I could not file a theft claim because I could not prove theftIf the item was missing I would need to prove it had been shipped and was lost in shippingThe postmistress at my post office told me that there was no proof that it was shipped and it was not insured I could not file a claim for the loss, I would need to contact the company that I ordered from tell them the situation and get proof that it was actually shippedI will go back to the police and ask them for the information again and get their name and other requested information but if they say I can not file a claim, what am I supposed to doI am not going to do something illegalI will also contact the postmistress and request her to write a statement as to what she told meMaybe that will satisfy their requirementsI do not understand a company wanting a person to file an illegal claimI am sure that there are those people out there that would "say they did not receive an item" when they really didI was not brought up that way and too many of my jobs require me to be legal in all matters or I would not be able to work in the fields that I work inSuch as assistant manager of an RV Park and handling thousands of dollars every week, or working in a casino, or working preparing income tax forms and dealing with the IRS when requiredI have been an honest and trustworthy person in all my dealings with Fingerhut and I have a problem with the way they are handling this situation when I have been a customer for so longIs this the way the treat their other or year customers? I have never dealt with a company that has been so inconsiderate and rudeEven now they are still calling me to times a day even on the weekendsIt also seems to be someone that is not from this country or they are hard to understand because they do not speak good English or they do not know how to address the questions or replies they are givenNo, I am not happy with their response but I will try again since they obviously cannot understand what I was told by both the police and the postmistressThank you for your continued assistance with this matter and will send you copies as well if your need themPlease let me know by email since that is the best way to contact meThank you again Final Consumer Response / [redacted] (3000, 11, 2014/09/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I received a statement from the station manager of the North Biloxi/D'Iberville Post Office and filed a civil complaint with the D'Iberville Police DepartmentI am attaching the documents that I receivedThe police department representative named Becky told me when I picked up the document that if it went to court I could get a full record of the statement I madeIt is the same thing I have been sending all alongI am also attaching the pictures and any other correspondence (except phone calls from the collections department) that I have had with FingerhutThank you for trying to help resolve this issue without it going to court Final Business Response / [redacted] (4000, 13, 2014/10/01) */ CONFIDENTIAL COMMUNICATION September 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 most recent inquiry that we received from your office on behalf of [redacted] regarding the missing laptop purchased on her WebBank/Fingerhut Advantage Credit Account I wish to extend my gratitude to Ms [redacted] for providing us the information that she was able to acquireWe understand that sometimes it can be difficult to obtain information, and appreciate her efforts in this regard While our policy does require a police report and complete affidavit, we have determined that the photos and the signed letter from USPS constitute the necessary information for us to complete our investigationWe have issued a credit for $for the Dell Venue Pro 8" 32GB Windows Tablet, late fees in the amount of $108.98, and interest in the amount of $These will be visible on her next statement printing on October 10, Sincerely, [redacted] Executive Care Team VF/jw

CONFIDENTIAL COMMUNICATION size="2"> July 19, 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 ordered merchandise from FingerhutShe did not receive this item on time and purchased the item elsewhereThe package was left at the front door and the box was not in perfect conditionShe states she returned the merchandise to Fingerhut, then recieved a bill for the shipping/handling chargesMs [redacted] desired result is a full refund and not have Fingerhut contact her again Our records indicate Ms [redacted] purchased a Magic Bullet Hi-Speed Blender/Mixer System on June 10, Using the tracking number [redacted] we show this product was delivered by the local post office on June 17, We apologize Ms [redacted] did not receive her merchandise on the date expectedWe provide customers with our best estimate as to when a package will be delivered, however, occasionally packages are delivered outside of this timeframe due to factors outside of our control We received the return of the blender/mixer from Ms [redacted] on July 5, A credit of $was issued to her WebBank/Fingerhut Advantage 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.” Ms [redacted] was required to pay for the original shipping/handling of $Likewise, a return postage fee of $was deducted from the credit because Ms [redacted] did not indicate why she was returning the product At this time the current balance on Ms [redacted] ’s Fingerhut Account is $A minimum payment of $is due by August 9, Additionally, we have updated our records and removed Ms [redacted] from our mailing list, but because our catalogs are printed in advance, she should allow to weeks for this request to processPer Ms [redacted] ’s request, we have revoked consent to call the telephone number, ###-###-####, which is currently associated to her account If Ms [redacted] has any questions regarding this matter she may contact Fingerhut Customer Service at ###-###-#### Monday through Friday 8:00AM-8:00PM Central Standard Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS

Initial Business Response / [redacted] (4000, 19, 2015/04/13) */ CONFIDENTIAL COMMUNICATION April 13, Revdex.com of Minnesota # [redacted] 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 WebBank/Fingerhut Credit Account ending in Ms [redacted] states that she was a victim of identity theftMs [redacted] further states that she will not be responsible for a debt that is not hersMs [redacted] ' resolution is to have the trade lines deleted Our records indicate that an account in Ms [redacted] ' name charged off on January 26, and sold to Jefferson Capital Systems on September 23, On February 19, 2015, our Fraud department received a police report from Ms [redacted] On the same day, an Executive Care Team member contacted Ms [redacted] to advise that we had received the police report and had initiated a fraud investigationUnfortunately, we had already submitted our response to the Revdex.com prior to this conversation with Ms [redacted] On March 13, 2015, the trade lines were referred to the credit bureaus for deletion due to fraudA letter was sent to [redacted] stating that an electronic update had been submitted to delete the trade lines On April 2015, we confirmed that all trade lines have been deleted from Equifax, Experian, and Trans Union Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/sjj Final Consumer Response / [redacted] (3000, 10, 2015/02/23) */ ***Document Attached [redacted] Hello, I received your template response to my complaintThis is an attempt to debt a validate a debtPushing me aside telling me to get into with someone collection agency is unacceptableThe collection agency has nothing to do with Fingerhut removing your entry from the three credit reporting agencies database or whatever I stated that I was a victim of identity theftI will not ever be responsible for debt that is not mineAnd by law, you guys are required to report accurate informationReporting that I had an account with you all and skipped out on the bill is FALSE Some crook used my personal information to open an account and failed to payThe choices of another has absolutely nothing to do with meI'm just trying to clear my name and go on with lifeDealing with this issue has been a living nightmareIt's hard as [redacted] to prove a negativeMy armed with a police report and you push to the side like, "Oh, well." I am attaching my police report for your records and to have my name cleared and entry remove from creditI will also be filing complaints with the Consumer Financial Protection Bureau and my state's Attorney General Office because this can not continue

Initial Business Response / [redacted] (1000, 10, 2014/04/04) */ CONFIDENTIAL COMMUNICATION April 4, 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 Credit Account We have reviewed Mr [redacted] 's account regarding his paymentsMr [redacted] submitted payments on his account via our website at Fingerhut.comThe first payment in question was an ACH payment submitted on November 18, in the amount of $At the time the payment was submitted it appeared it was approved, however when it was submitted to his bank the checking account provided was not accepted and the payment was returned to us as a payment reversal on November 26, by his bankThe second payment in question was submitted via the website on January 17, in the amount of $and that payment as well appeared it was approved at the time of the payment but when the payment was submitted to the bank the checking account provided was not accepted by his bank and that payment was returned to us on January 24, as a payment reversalOur payment department did try to contact Mr [redacted] on January 25, to advise that there was a payment due on the account and they were told that the customer was not available and then again on January 27, in which the customer did state there was a payment made on the account in January and disconnected the callThe last payment that posted to his account was on February 14, in the amount of $ We did speak with Mr [redacted] directly on March 14, in regards to his concerns about these paymentsWe explained that at the time the payments were made they appeared as approved on our end and that when they were submitted to his bank they had not been accepted and were reversed back to usMr [redacted] indicated that he has since changed bank accounts but believed that one of the payments in question was actually paid to us by his former bankWe advised him to send a copy of his bank statement showing that the payment was made to us so that we could review the information We also discussed the reason why there was an increase in the minimum payment on his account was due to orders placed on November 5, 2013, which had deferred payments until February and an order placed on November 11, which had deferred payments until March Mr [redacted] stated his wife must have made the orders and he was not aware of themWe did issue Mr [redacted] one late fee credit as a courtesy on his account due to the situation and that credit appeared on his billing statement that printed on March 19, As of this date, Mr [redacted] 's account has a balance of $ 2,with a minimum payment of $that is due on April 15, We apologize for any inconvenience this may have caused Mr [redacted] Thank you for allowing us to explain Sincerely, [redacted] VF/rsh Initial Consumer Rebuttal / [redacted] (3000, 12, 2014/04/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) The deferred was to be drawn out until JuneI spoke to someone on the phone who said that the deferred was not going to be in affect until June my wife has since informed me when she placed these orders

I am rejecting this response because: ***Corresponding documents attached I have attached the 06-15-Statement that Fingerhut sent me a copy of but not you***Please take notice of previous balance; which already included the $in the balance for the mens wedding band that they sent me two sizes too small = $1,In middle right of page you will see they charged me again for the ring then deducted itThe new balance was, even after my payment $1,Which we both know is only $less than beginning balanceIt just looks tricky to me the way the statement is set upI have also attached a letter for Fingerhut disputing them That gives an overview of what I've been dealing with and documented calls to themI also saved all emails My Fingerhut Account number is on letterHere is my www.fingerhut.com information to login to my accountI give permission to the entire Revdex.com to have the account looked at and reviewed User Name: [redacted] , Password: [redacted] # They even admitted there were some "glitches" in my account - that's how they said it to me Im going to forward more emails with other problems I found with the accountI never received merchandise and was charged or returned merchandise and Fingerhut is denying itSome of the merchandise was canceled either over the phone while ordering or ordering onlineBut they still charged me for merchandise anywayThank you again so much for your help, [redacted]

Initial Business Response / [redacted] (1000, 16, 2014/08/26) */ CONFIDENTIAL COMMUNICATION August 25, # 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 Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records support that Ms [redacted] made two separate payments during her billing cycle of June, Her account further reflects that for the following billing cycle of July, no payment at all was receivedFor this reason, a $late fee was assessed As a reminder to Ms [redacted] , late fees accrue when a payment is received past the scheduled due date or the payment received does not meet the required amount dueThis is included in the Credit Account Agreement's terms and conditions that Ms [redacted] has agreed to, where it states: "the minimum payment is due by the date set forth on the StatementWe will not impose any late charges if you pay at least the minimum payment reflected in your Statement by the payment due date specified, which will always be at least days from the Statement date." To clarify to Ms [redacted] , her Fingerhut Advantage Credit Account is an open-end/revolving account, and does not allow for the option to pay it aheadA payment exceeding the minimum amount due and/or multiple payments made within the same billing cycle may only satisfy the payment required for that month and that month onlyAs a resolution to this limitation, we recommend that she consider activating an "automatic recurring payment schedule"Many customers feel this provides them the assurance of meeting their monthly payment obligation while also freeing them from any extra time or trouble associated with making an individual payment each month As a reassurance to Ms [redacted] , we already made an exception on July 21, to credit the late fee she received as a result of this misunderstandingIf she has not seen it already, this credit will reflect on a future billing statementAdditionally, there has been no negative reporting to the credit bureaus in regards to this matter Thank you for allowing us to explain Sincerely, [redacted] VF/ah