Bluestem Brands

CONFIDENTIAL COMMUNICATION August 12, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from Ms [redacted] Ms [redacted] disagrees with our position, explained in detail in the previous response, to not refund the $down paymentShe states it contradicts a letter from April 5, we sent indicating we would return the $down payment to her, which she can fax to us as proof We agree a letter was sent to Ms [redacted] on April 5, 2016, however, that letter did not indicate that the $down payment would be refunded to herIt notified that, although Ms [redacted] had not “graduated” to a revolving account, she could try the FreshStart program again by placing a new order using the same accountWe have no record of any other letters being sent Ms [redacted] around that dateMs [redacted] may fax us the letter she is referencing at ###-###-####, Attn: Executive Care Group At this time our position remains unchanged, as we were within our rights to apply that $as payment for the non-refundable shipping and handling charge Ms [redacted] was responsible for per our return policyOnce we receive and review the letter in question, we can consider her request for a refund and will notify Ms [redacted] directly of our decision Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah

Worse possible company ever to purchase anything fromFingerhut was perfect for the first purchase and credit limitOnce that purchase was made and I made a payment in fullCredit limit was reduced by over 300% because I paid it off in one paymentEven though they say that don't punish you for doing thatI was told to wait a few months and maybe they'll increase my limitI told them to cancel and close the accountIt is a bait and switch tactic to get you to buy something and then they take away after your first purchase the ability to buy anything else

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 meThank You Revdex.com after being told many times I didn't qualify for an account with them it has been solved and I was approved for a new account now

June 24, face="Times New Roman" size="3"> Revdex.com SRiver Ridge Circle Burnsville, MN Re: D [redacted] ID # [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of MrD [redacted] regarding a Haband merchandise return In Mr [redacted] ’s complaint, he states that when he returned his merchandise for a refund that his refund check was short $ In reviewing his account we show his return was processed and refund check # [redacted] in the amount of $was issued on June 9, There was a reduction in the refund amount of the merchandise value of $due to a balance that was owed on his account of $for a previous short payment on order # [redacted] , $on order # [redacted] and $on order # [redacted] We apologize for any inconvenience Mr [redacted] feels he has experienced in the handling of this matter A refund is being processed in the amount of $that was deducted from the refund to resolve the balance that was owed to himWe trust that this additional refund will resolve Mr [redacted] ’s issue regarding this complaint If I may be of further assistance please contact me at ###-###-####, Monday - Friday am – pm EST Thank you for allowing us to explain Sincerely, JoAnne [redacted] Haband Customer Service Bluestem Brands, Inc

Initial Business Response / [redacted] (1000, 5, 2014/10/24) */ CONFIDENTIAL COMMUNICATION October 23, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry that we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records support that an "overpayment" was made to Ms [redacted] 's account, and it was reflecting a surplus credit balance of $The phone agent Ms [redacted] spoke to about this matter on October 14, initiated the refund process following standard procedure Our method of refunding Ms [redacted] is currently limited to a paper check sent via regular U.SMailThe agent correctly advised Ms [redacted] to allow up to days to receive her check (the timeframe set by the company and deemed reasonable given the factors involved), despite many customers receiving it sooner The records show her $refund check was mailed as of the date of this letter to her address on file of [redacted] , Weatherford, TX We appreciate Ms [redacted] 's cooperation and ongoing patience while awaiting its arrival Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/10/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have not received the check and Consumer Fair Trading A ct says they are not allowed by federal Law to not send a refund back within days Final Business Response / [redacted] (4000, 9, 2014/11/03) */ CONFIDENTIAL COMMUNICATION October 31, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry that we received from your office on behalf of Ms [redacted] It is our regulatory obligation to respond to a written request for a refund within seven days of receiptWe received Ms [redacted] 's written request on October 15, via her first inquiry with your officeOn October 22, we issued and mailed Ms [redacted] her $refund in the form of paper check number [redacted] As this occurred within the seven day timeframe, we maintain any obligations incumbent on us in regards to this matter have been metIf she has not already received it, we advise Ms [redacted] to allow more time for her refund to arrive Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah

Initial Business Response / [redacted] (1000, 8, 2015/01/20) */ CONFIDENTIAL COMMUNICATION January 19, # [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 her Fingerhut FreshStart Account issued by WebBank Ms [redacted] has a Fingerhut FreshStart Account issued by WebBank it is designed to assist potential customers that don't currently qualify for a revolving WebBank/Fingerhut Advantage Credit AccountThis program is a closed-end installment loanThe customer makes a purchase that is within their assigned credit limit, pays it off in installment payments and then may qualify for a revolving credit accountA $down payment is required when the order is placed Our records indicate that Ms [redacted] was issued a credit limit of $and placed an order for an Alcove Harlow 30pc Super Set - Queen on December 7, via the web totaling $Since Ms [redacted] went over her credit limit and the total balance was charged to her Checking/Savings account Ms [redacted] needed to stay within her credit limit for the purchase to be applied to her Fingerhut FreshStart account and the $down payment would have been applied to her accountI would like to explain that the $down payment cannot be used to lower the initial balance so that it would fall within the credit limitThe initial purchase would still need to be within the credit limit of the account Ms [redacted] cancelled her order on December 9, 2014, it is our policy to hold a payment for 10-days prior to issuing a refund to ensure the payment clears prior to issuing the refund We sincerely apologize for the excessive delay in refunding Ms [redacted] her paymentI have requested that a credit in the amount of $be issued to the same account ending in that was used to place the orderShe should allow three to five business days to receive the credit To comply with Ms***'s request in the inquiry, we have now removed her name from our mailing listPlease understand, however, that our contact lists are prepared several weeks in advance, and it may take up to four to six weeks for the solicitations to completely stop Total customer satisfaction is a goal we strive daily to achieve, so we again apologize for having fallen short of this mark with Ms***We appreciate her patience and understanding Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ca

Initial Business Response / [redacted] (1000, 19, 2014/09/16) */ CONFIDENTIAL COMMUNICATION September 16, # [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 a WebBank/Fingerhut Advantage Credit Account Our records indicate that Ms***'s account was closed at her request on September 12, We have also removed her address out of receiving our catalogsBecause our catalogs are printed in advance, she should allow - weeks for this request to process As of September 16, Ms***'s account has a $balance Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ca

CONFIDENTIAL COMMUNICATION "Arial December 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 PayCheck Direct Account Ms [redacted] states she contacted PayCheck Direct regarding an order placed on December 8, She was told the first payment would not come out of her account until December 30, She received a confirmation e-mail confirming the merchandise would be delivered on December 19, When she contacted PayCheck direct for a delivery time, she was told her items would not be delivered due to two payment reversals on her accountMs [redacted] asserts the customer service representative she spoke with was rude and unhelpfulMs [redacted] ’s desired resolution would be to have the merchandise delivered and have the $over draft fee credited from her bank Our records indicate Ms [redacted] placed an order for a Timberland PRO Men's 6" Steel Toe Boot and a Sony PS500GB Uncharted 4: A Thief's End Console Bundle with a Year Service Plan on November 29, This order was cancelled due to the payment reversal Ms [redacted] made two payments on December 8, in the amounts of $and $Both of these payments were reversedWhen a payment is declined the account is placed on holdOnce a successful payment is made, the payment is held for days If no further issues occur an order can be placed at that time A successful payment was made on December 16, in the amount of $On that same date the order was replaced for the merchandiseMs [redacted] will need allow days from the time the payment was made for the payment to clear and an allow an additional 7-days for delivery These items have an expected delivery date of January 4, We apologize Ms [redacted] felt the representatives she spoke with on December 15, were discourteousHer report of unacceptable service from one of our agents is regrettableThey are accountable to meet our professional standards and avoid any instance that might cause our customers to feel they are not being heard or understoodWe appreciate Ms [redacted] ’s feedback If Ms [redacted] has any additional questions she may contact PayCheck Direct 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

November 11, Revdex.com of Minnesota Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding his WebBank/Fingerhut credit account ending in ***We have included a statement of account activity Mr [redacted] states he has advised Fingerhut on several occasions that he can pay $per monthMr***’s desired resolution is to accept his payment arrangement and waive late fees We value Mr***’s business and although we understand his situation, we cannot honor his proposal as outlined Our records indicate that the last payment of $was received on October 16, On November 10, 2016, Mr***’s WebBank/Fingerhut credit account charged off with an unpaid balance of $Mr***’s account is subject to be soldIt is no longer eligible for a settlement or payment plan; the entire balance is due Mr [redacted] may contact our Billing Department at ###-###-#### to make a same-day paymentTheir hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosure

I am rejecting this response because: I have already showed them proof that I contacted them before the daysAlso since I purchased the item from THEM, THEY should have taken care of the problem right away and let me return it, not made ME contact the manufacturer

CONFIDENTIAL COMMUNICATION "Arial July 11, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a PayCheck Direct Account Mr [redacted] states the bed she purchased from PayCheck Direct broke within three weeks of receiving the productMs [redacted] contacted PayCheck Direct to stop payments from coming out of her paycheck, at that time Ms [redacted] states she was told to return the merchandiseShe claims she cannot afford to pay for packaging to return the defective product to PayCheck Direct Our records indicate Ms [redacted] purchased a South Shore Platform Full Bed 54" Molding - White on April 26, Ms [redacted] contacted PayCheck Direct on June 17, stating the product was brokenAt this time she was provided the manufacturer, South Shore’s contact information if she had any questions regarding the product On June 22, Ms [redacted] contacted PayCheck Direct a second time stating the product was damaged and she would like credit for the item and the payments to stop being withdrawn from her account The representative she spoke with on June 22, provided Ms [redacted] with the correct informationBefore we are able to discontinue the payments and credit her checking account, we will need to receive the product back from Ms [redacted] If Ms [redacted] does not have a box large enough to return the merchandise, she may piece boxes together to create a box that is large enough to safely ship the product Ms [redacted] can return the product to [redacted] StCloud, MN Once we receive the product back from Ms [redacted] we will be able to credit the item and stop payments from being withdrawn from her checking account based on inspection of the productThe final determination of product condition and credit is subject to our inspectionThe original shipping and handling is nonrefundable if the item is not defective or in the case of a shipping error If Ms [redacted] has any additional questions she may contact PayCheck Direct at ###-###-#### Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS

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 meNot all of the information is correctI do agree that the tried to contact meI did respond to their contacts but I now see that I failed to provide them with the proper informationI will act properly on this matter immediately

Initial Business Response / [redacted] (1000, 7, 2016/02/17) */ CONFIDENTIAL COMMUNICATION February 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 Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] purchased a Kathy Ireland Microfiber Sherpa 3-PcComforter Set - King for $plus $shipping and handling and an Ultra-Soft 4-PcModern Sheet Set - CalKing for $plus $shipping and handling on January 27, At the time of purchase Ms [redacted] did not enter a promotional code for free shipping or the discount price of the comforterMs [redacted] contacted Fingerhut on February 4, to redeem a promotional code for this purchaseAt that time she was unable to provide the promotional codeAs a one time courtesy to Ms [redacted] $was credited for the shipping/handling on February 4, Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (3000, 9, 2016/02/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) I've received their response and don't agreeThey said Kathy comfwas $plus $shippingI order online said was $free shipping, that's why I orderedI was charged $for comfplus $shippingThey said sheet set was $plus $shippingI was charged $for sheet set, $shippingDuring our conversation on 2/4/they said the comfwas anywhere between $48.99-$I told them that the can't set different pricesThey said they would get me$10.000credit, when I said I was contacting the Revdex.com, they said they would credit me $I want my account suspended, not interest, no fees, I just want to pay it offThis company is so discepctive, I want no part of itI want to pay my fair share and close my account and tell anybody not to do business with this company Final Consumer Response / [redacted] (3000, 15, 2016/02/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) Finger Hut keeps saying I bought comforter for $62.99, plus $shippingI bought online said was $plus free shippingI called to complain , they said comforter was between $48.99-$I said they can't change the priceThey credit me $10.00, then $when I said I was contacting Revdex.comI didn't tell Finger Hut to close my accountI suggested to Revdex.com to suspend my account and no fees, or interest to resolve this accountI am a good customer paid $on 2/21/2016, $more then was a minbalanceMy spouse just received notice that he is part of a class action suit against this companyI got the Revdex.com involved and paid account and closed accountI want Finger Hut to keep their wordThey had comforter $free shippingThen when I complained they change the price from anywhere from $- $I said you can't do thatThat's the only reason they credited me, it was $than $20.00, not the full $they oweI want my account left open, until I say close itI am a good customer, I have a $plus creditIf we can't get to an agreement, then I want the Revdex.com to close my account, with no interest, no fees, etcThank You for letting me explain my half Final Business Response / [redacted] (4000, 17, 2016/03/04) */ CONFIDENTIAL COMMUNICATION March 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 further inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account As stated previously, the comforter set Ms [redacted] purchased on January 27, was $plus $shipping and handlingThe sheet set she purchased on that same date was $plus $shipping and handling Ms [redacted] claims the price of the comforter online was $with free shipping/handlingAt the time of purchase, Ms [redacted] did not enter a promotional code for either free shipping or the discount price of the comforter As a courtesy to Ms [redacted] on February 4, we credited $for this purchase Per Ms [redacted] 's request, her account was closed on February 23, At this time her account has a balance of $The outstanding balance will continue to accrue interest and other charges and be subject to the terms and conditions of the AgreementIf Ms [redacted] would like her account re opened, her account will need to be paid in fullAt that time she can complete the application process again In regards to the class action lawsuit, instructions for members of the Settlement Class are included in the Class Notice and Claim FormFor further questions on this matter, Ms [redacted] may contact the Claims Administrator at [redacted] Additionally, she may find information about the settlement www.BluestemTCPASettlement.com At this time we have provided Ms [redacted] with all information in regards to her complaintFingerhut considers this matter closed Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS

April 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 Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account As we have stated previously, Ms [redacted] purchased an LG TV on September 30, with a two year service place on December 3, For all concerns with the product Ms [redacted] should contact the products manufacturer, LG Support at ###-###-#### Ms [redacted] ’s two year service plan begins on October 5, This plan is through NEW (Nation Extended Warranty)They can be contacted at ###-###-####Her warranty contact number is [redacted] At this time we have provided all available information to Ms [redacted] Fingerhut considers this matter closed Sincerely, Vi [redacted] Executive Care Team VF/KS [redacted]

Initial Business Response / [redacted] (1000, 8, 2015/05/18) */ CONFIDENTIAL COMMUNICATION May 15, # [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 Our records show that an order was placed on Mr [redacted] 's account on December 22, 2014, consisting of nine separate items and one free giftAs stated in the inquiry, the entire order was shipped to [redacted] , Milwaukee, WI The address--as documented by the account activity history--was originally updated as the billing and shipping address on Ms [redacted] 's account on June 1, On October 11, 2014, only the billing address was updated to N35th St., Milwaukee, WI while the shipping address remained unchangedThis is how the addresses were configured on Ms [redacted] 's account at the time the order in question was placed A review of the recording of the phone order confirms that the agent stated it would be sent to N35th St., and asked Ms [redacted] if that was correct; Ms [redacted] stated that it wasHowever, the actual shipping address was still set to the address, and was shipped accordinglyWe sincerely apologize for this error, and will provide the necessary coaching to the agent in question We have issued an account credit covering the entire cost of the order, including shipping/handling, as a remedyAll related late fees and interest that accrued as a result of this matter have also been creditedThese adjustments will reflect on a future monthly billing statement for Ms [redacted] 's records Our records show that Ms [redacted] had a pre-existing balance before placing the December order that was not receivedWe did not find that a formal billing dispute was ever submitted to us about this matter, which we would have needed to adjust her monthly payment to reflect what was owed for the earlier purchases onlyAs Ms [redacted] remained obligated to make at least the minimum amount due but instead withheld payment, we cannot remove the past due payment history that has been reported to the credit agenciesIt is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies Ms [redacted] 's next monthly statement that generates and mails on June 13, will reflect her correct billing information and adjusted minimum amount due Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 10, 2015/05/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not agree with Finger Hut sending my balance to a creditorThe payment amount was twice as much as I had to originally payI do thank Finger Hut for finally taking off the amount I did not owe, and I do not have a problem with paying my previous billI had a payment plan with the company, and I hope the agreement still standsI did not do anything wrong, my account should not go to a creditor, it should be the same arrangement that it was before this incident occurredI did not refuse to pay on my previous order I just could not afford the amount that was presented to me Final Business Response / [redacted] (4000, 12, 2015/05/26) */ CONFIDENTIAL COMMUNICATION May 26, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] As a reassurance to Ms [redacted] , we are not sending her "balance to a creditor" or making any other changes to her account that she should be concerned aboutWe apologize if something in our previous response gave her this impression, as it was not our intent to do so We have adjusted her minimum monthly payment to the lower amount of $17.99--the same or very close to her payment amount before the order from December Our records show that her next payment will not be due until July 9, Ms [redacted] states that she "had a payment plan" with us in the past, which our records confirm was trueThis plan was actually a recurring, automatic monthly payment schedule that allowed her payment to be made automatically on the same date each month While she is not currently on this plan, Ms [redacted] can either set it up herself by logging into her web account at Fingerhut.com/MyAccount or receive assistance over the phone by calling [redacted] , Monday through Friday, a.mto p.mCentral Time Having provided all information available to us, we consider this matter closedThank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah Final Consumer Response / [redacted] (2000, 14, 2015/05/27) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am satisfied with the outcome on this matterThank you Revdex.com for all your help

CONFIDENTIAL COMMUNICATION Roman" size="3"> May 20, Revdex.com of Minnesota #: [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Freshstart Account Ms [redacted] ’s inquiry notes that Fingerhut did not tell her that her credit was just for a one time purchase and that she would not have existing available credit after thisShe requests that we correct her billing statement by showing that she paid us in April with a debit card ending in-*** The Fingerhut FreshStart Account issued by WebBank is designed to assist potential customers that don’t currently qualify for a revolving WebBank/Fingerhut Credit Account This program is a closed-end installment loan in which a $down payment is required when the order is placedThe customer makes a purchase that is within their assigned credit limit, and must pay it off in installment paymentsUpon satisfying all payments, the customer will graduate and therefore qualify for a Fingerhut revolving credit accountIf payments are missed or do not satisfy the amount owed, the customer will not graduate the Fresh start program and will need to reapply Ms [redacted] ’s account indicates an order was placed on our website March 5, for a Jensen Stereo Dual Alarm Clock Radio with CD Player and a One Year Service planRecords indicate Ms [redacted] made her required $down payment on March 28, We have no record of receiving a payment on Ms [redacted] ’s account in April, however a payment was not due in April Records indicate we did receive a payment of $on May 5, As long as Ms [redacted] continues to make her payments each month on or before her due date, she will be able to qualify for a revolving Fingerhut account, in which she will be given a new credit limitOnce her account has been paid in full, Ms [redacted] ’s account will be systematically reviewed within days and she will receive a Welcome Packet including her new Fingerhut Credit Account information within days Ms [redacted] ’s May 17, billing statement indicates a minimum due of $due June 13, When Ms [redacted] applied on our website for her WebBank/Fingerhut FreshStart Installment Loan she was given a summary of terms which included the following: This section relates to the WebBank/Fingerhut FreshStart Installment Loan onlyIf you are not eligible for the WebBank/Fingerhut Advantage Revolving Credit Account, your initial purchase of at least $may be financed by a WebBank/Fingerhut FreshStart Installment Loan between you and WebBank This is not your complete WebBank/Fingerhut FreshStart Installment Loan AgreementIt is only a summary of certain important disclosuresYour WebBank/Fingerhut FreshStart Installment Agreement will be sent to youPlease read it carefully and keep it for your recordsWebBank may sell, assign or transfer your WebBank/Fingerhut FreshStart Installment Loan Agreement or any portion thereof When you obtain a WebBank/Fingerhut FreshStart Installment Loan, you request that we consider you for a WebBank/Fingerhut Advantage Revolving Credit Account issued by WebBank that you can use for future purposes, and that we send you a card with your account number if you are approvedIf you pay off your initial purchase within or payments or earlier with no instance of late payments, we will issue a WebBank/Fingerhut Advantage Revolving Credit Account to you Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm

Positive

CONFIDENTIAL COMMUNICATION Roman" size="3"> May 25, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] states that she has emailed us several times regarding order [redacted] which was missing an itemShe states she was advised to call but has informed Fingerhut several times that she cannot be reached by phone and would like a refund or replacement for the missing item Our records indicate an order # [redacted] was placed on May 8, which included Bissell Sturdy Sweep™ Cordless Sweeper 2402B, I Heart You Shower Curtain, I Heart You Bath Rug, I Heart You Lotion Dispenser, I Heart You Toothbrush Holder, and I Heart You Lotion DispenserWe received an email on May 16, stating that the bath rug was missing from the package delivered on Monday, May 16, When a customer states they have not received the merchandise ordered, Fingerhut has policies and procedures in place in order to conduct an investigationHowever, as a courtesy, we have issued a refund to Ms [redacted] account for $This will show on Ms***’ next statement Unfortunately our records indicate the I Heart You Bath Rug is no longer available We apologize that the email reply to Ms [redacted] ’ emails stated that she would need to call us, as we understand that she is not able to be reached by phone right nowWhile it is sometimes the easiest way to resolve customer issues, we do have alternative routes of communication available such as chat services available on our website, email, or letter by fax or mail Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm

Initial Business Response / [redacted] (1000, 5, 2014/04/18) */ CONFIDENTIAL COMMUNICATION April 17, 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 Credit Account Mr***'s account reflects he ordered the Alienware 14" 8GB Windows Laptop Gaming Computer on March 11, He informed us on March 17, 2014, that he had not received this item Since postal tracking indicates this item was delivered, an affidavit of "non receipt of merchandise, with a request for a police report" was sent to Mr [redacted] on March 19, We received the completed form via email on April 4, However, there was no police report included with this email To expedite this matter, we ask Mr [redacted] to fax a copy of the police report to: [redacted] , Attn: ***Once received, we will further investigate this matter which may include credit being issued Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/mhp

CONFIDENTIAL COMMUNICATION June 13, 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 does not know of a [redacted] and that the proof of payment she sent us only has her name, [redacted] , on itShe believes we typed the account number incorrectly and credited the payment to the wrong personMs [redacted] also states she doesn’t appreciate being on speaker phone with our company, in which she also heard someone at our company say “who cares” about her accountMs [redacted] requests we correct our error, credit her account, stop damaging her credit and do the right thing As previously stated, our records indicate the payment was sent to us with [redacted] Robert’s account payment stub, as attached in our previous responseWe are unable to make an exception to the policies and procedures set in place for Fingerhut, which states we are unable to move payments that are sent to us with a specific account stubAdditionally, our records indicate that [redacted] has listed the same address on his account as [redacted] ’ address We apologize that Ms [redacted] overheard a representative make an unprofessional and unkind remark while on the phone with herWe take these complaints very seriously, as it is Fingerhut’s objective to provide exceptional customer service in all interactions with our customersAny information Ms [redacted] can provide regarding this incident would be helpful to us - such as date and time of the call, and/or representative’s nameMs [redacted] may call ###-###-#### to provide this information to us, and we can further investigate this matter further As previously stated, a minimum payment of $is due by June 15, Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm