If on 1/I could have enrolled then I would not have been days behindThe whole point was to sign up for assistanceI get sent to customer service and safeline no one will helpI refuse this answerPlease I want to sign up for safe line
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI would just like to be sure that the costs being refunded to me will no longer be deducted from my bank account (which is standard for purchases through this company)Thank you!
Initial Business Response /* (1000, 5, 2015/07/23) */
CONFIDENTIAL COMMUNICATION
July 22,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in
response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
We regret to learn of the problem Mr*** has encountered with the XBOX One Console with BuiKinect that he purchased on November 2, Upon consulting with our vendor/supplier for the device, we have approved it to be returned according to the terms of the one-year warranty now covering it
A return shipping label with instructions was sent on today's date to Mr***'s email address on file of ***@aol.comWe appreciate Mr*** stating in the inquiry that he will return the defective device to us as we require that this be done as part of the process
An order to send Mr*** a new replacement of the XBOX was also submitted on today's dateHe will receive an email notification with the carrier's tracking number once it has been shipped
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
CONFIDENTIAL COMMUNICATION February 17, Revdex.com of
Minnesota Attn: Ms*** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, We are writing in response to an inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut credit account ending in ***We have included a statement of account activity and a copy of the Terms and Conditions Ms*** states that the account has been settled with the assistance of *** *** ***, a Consumer Credit Counseling AgencyMs*** further states she has been trying to get the information removed from her credit report and has received no assistanceMs***’s desired resolution is to have the WebBank/Fingerhut trade line removed from her credit report Our records indicate, on June 18, 2014, an application was processed over the telephone with a representative using Ms***’s personally identifiable informationOn February 13, 2015, an order was placed online for a Crosley Record Cleaning Kit, a Crosley Cruiser Portable Turntable with a Year Service Plan, a Kirch Spoon and Fork Kitchen Wall Clock, a Belgian Waffle Maker with a Year Service Plan, and a T-fal High-Speed 4-Slice Stainless Steel Toaster with a Year Service PlanThe merchandise was shipped via SurePost and UPS to the same address as on the applicationThe most recent purchase, totaling $194.98, was placed on April 7, We have received multiple payments on this account from checking accounts ending in *** and ***The last payment of $was received on March 29, before the unpaid balance of $charged off on November 2, Our research indicates Fingerhut was notified on July 21, that Ms*** had engaged the services of *** *** ***, a debt settlement companyOn November 23, 2016, a settlement payment schedule totaling $was signed and agreedPayments were received on December 2, 2016, January 5, 2017, and January 18, in the amounts of $50.00, $50.00, $158.90, respectivelyThe three payments equaled the agreed upon settlement amountThe remaining balance of $has been charged off as a forgiven debt Since this payment arrangement has been successfully completed, Ms***’s WebBank Fingerhut credit account will report to the credit bureaus as charged off and settled for less than the full amount owed with a zero balance According to an account review on February 14, 2017, Equifax, Experian and Trans Union are reporting Ms***’s account as charged off with a $balancePlease allow up to sixty days for the bureaus to reflect the new settlement information Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/sa Enclosures
Full Response is attachedCONFIDENTIAL COMMUNICATION: Mr*** is not required to file a police report as we sent the merchandise to his old addressThe item has been creditedIn regards to his father's phone number being on his account, please note we had located that number as being
associated with Mr*** and called to confirm if it was correctWhen we were told it was not correct, it was marked as No Consent and is not considered a valid number for himWe apologize for the inconvenience
I am rejecting this response because:It's ashame that for getting nothing im being charged. Not only charged over charged and you are allowing them to get away with this unfair billing. I have yet to see you guys really fight for what's right
I am rejecting this response because:
I never got the credit to my account plus the late fees that were charged for months are still on my accountThey tell me as well that the account was creditedBefore all this my account was $now it is over $This company lies, and dont listen to their customersI am not paying for this, it is noe over months tgat this issue has been going on
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meIt has been resolvedThank you very much!
Initial Business Response /* (1000, 5, 2016/02/12) */
CONFIDENTIAL COMMUNICATION
February 12,
Revdex.com of Minnesota # ***
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms
***,
I am writing in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate Ms*** purchased an alcove Nairobe 30-PcBedroom Super Set - Queen, a 3DS Lego Marvel Super Heroes, and a Nintendo 3DS LEGO Jurassic WorldThese items were shipped via UPS Ground with the tracking numbers ***, ***, and *** and were delivered on December 21,
On December 24, Ms*** contacted Fingerhut stating she did not receive her orderWhen a customer states they have not received ordered merchandise, Fingerhut has certain policies and procedures in place in order to conduct an investigationOn December 24, a legal affidavit was mailed to Ms***'s address (*** Pembroke Pines, FL 33025)
On February 2, Ms*** contacted Fingerhut stating she did not receive the affidavit, at that time she was advised to complete an affidavit online
As of today's date, we have not received the completed affidavit from Ms***
As we understand the severity and urgency of this situation, Ms*** may fax the completed affidavit to ***, Attn: KristinaOnce this is received we can further investigate this matter
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 7, 2016/02/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When we contacted the office we where never given those numbers we where given the manufacture numbers and when we called they said there was nothing they could do they didn't even have my order on fileThe customer service repnever even discussed returning the item let alone being passed the return dateThere was no other numbers givenAnd once again we where never sent any information on the extd warrantyThis number "new" that they keep referring to this is the first we have herd about it other then the email sent to us after contacting the Revdex.comI also did contact the credit agency they put this ridicules balance to I informed them of my issues and they told me I should contact Revdex.com or settle with Fingure hutSo this response from them sounds like a standard corporate responseThis is VERY dishaertitng that you would treat a past good customer like this for such little amount of money This is no RESPECT FOR THE CUSTOMER AT ALL
I am rejecting this response because:On june 22nd I ordered a lawn mower hrLater I walked outside to find my dog with a hole in her neckI called fingerhut back to cancel the order, fingerhut was already closed.the next day on the 23rd of june I called fingerhut to cancel, I talked to marie she wouldI called back the 24th of june and talked to raven, she told me nothing was canceledI was upsetI asked raven if she could cancel the order and put my payment back the way it was, back to I also asked raven to have a supervisor call meRaven told me she would call me back within hours her name was kimto days later the phone rang as I reached for it and pick it up the person on the other end hung up, that was july 5thCalled fingerhut back on july 5th, talked to NesI told her the supervisor called and only let it rang once, and that I need to speak with a supervisor and if anything has been canceled on my accountNes told me noI asked her to please have a supervisor call meCalled fingerhut july 7th talked to angela, iasked if she could help me get this taken care of* said she would have a supervisor call meLater on july 7th linda the supervisor called to help me get this fixedShe told me she canceled the order and I asked her to put my payment back to and have it auto pay for the 1st of every monthAlso I told her about the dollar payment and that when I phone in it says I owe 2,she said she would fix itI also told linda about I owed 1,can she tell much I owe now after everything has been fixedShe told me 1,after the payment of dollarsI told her thank you and I thought that was thatCall fingerbut on july 18th talked to tracy found out that I owe I asked to speak to a supervisor, tracy told me that she would call me back between hours to hoursShe told me her name would be windyCalled the bank to find out if fingerhut put the dollars back in my account it was notHere are some attached bill statments that showed who we talked to and the amount differences
Initial Business Response /* (1000, 5, 2015/06/25) */
CONFIDENTIAL COMMUNICATION
July 24,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing
in response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit AccountThe order Mr*** references in the inquiry was placed on June 3, and consisted of a Power Glide 10-inch Sliding Compound Miter Saw, a Rockwell 10-inch Table Saw with Stand, and a Pro-Series 24-piece Router Bit Set
His report of having received unacceptable service from the phone agent that he placed it with is regrettable, and we are pursuing this matterIt is vital that agents avoid any instance in which a customer could be made to feel they are not being listened to or even mistreated
Mr*** states he received a payment reminder call from a billing/recovery agent when no payment was received by his first due date, which our records confirmHe stated he was withholding payment as a deferred payment offer, advertised on his catalog, should have been applied to the order but was notThe agent advised Mr*** to contact customer service as they were equipped and authorized to handle applying a deferred offer to an order
Unfortunately, we did not find any evidence of Mr*** ever notifying customer service regarding the deferred payment issueLikewise, we did not find that a formal billing dispute was ever submitted to us about this matterIt was required in order for us to adjust or suspend Mr***'s payment obligation while we investigated it
The process of submitting a formal billing dispute is disclosed on the back of each monthly statementIt is the section titled "What to do if you think you find a mistake on your statement," and states, in part:
"If you think there is an error on your statement, write us at: Fingerhut Credit Account Services, ***, Saint Cloud, MN 56395-In your letter, give us the following information:
Account Information: Your name and Fingerhut Credit Account Number
Dollar Amount: The dollar amount of the suspected error
Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it's a mistake"
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 question."
Despite the continued payment reminder calls to Mr***, he continued to withhold paymentWhen no payment was received for six-plus consecutive months, the account charged off on January 8, It was then sold to Jefferson Capital, a debt-buyer, on January 29, and in accordance with the terms and conditions of his credit account Agreement
Mr*** should contact and continue to work with Jefferson Capital regarding the unpaid debt; the account is no longer in our possession and has not been within our rights to service since being sold
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
CONFIDENTIAL COMMUNICATION July 27, Revdex.com of
Minnesota Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, I am writing in response to an inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut Credit Account Ms*** states she spoke with a Fingerhut representative on June 20, and agreed to a three month payment planMs*** states she made a payment on July 1, and then began to received collection calls and letters around July 15, Ms*** also states when she called Fingerhut, none of the agents she spoke to could find evidence that she was enrolled in a payment planMs*** is requesting to continue to pay her bill according to the arrangements made on June 20, without receiving collection calls and letters According to our records, Ms*** had a payment due of $due on June 18, On June 20, 2016, Ms*** spoke with an agent in the Fingerhut Billing Department and made payment arrangements Ms*** made a payment for $on July 1, per the agreement on June 20, Our records indicate Ms*** did receive a payment reminder call on July 15, Ms*** contacted the Billing Department in an attempt to explain the previous arrangement Based on our review and previous handling, we returned Ms***’s account back to a current statusTwo late fees of $and $were credited to Ms***’s account on July 18, and July 27, 2016, respectively We appreciate Ms*** bringing this matter to our attention and trust this explanation and corresponding measures taken will meet her expectations of a satisfactory resolution If we can be of further assistance, please contact the Executive Care Team at ###-###-#### Monday through Friday 8am to 4:30pm Central Standard Time Sincerely, Kari *** Executive Care Team KD/lg
I am rejecting this response because:
not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit filesI have enclosed a copy of my FTC Identity Theft ReportBecause the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623(a)(1)(B) of the Fair Credit Reporting Act, U.S.C
I am rejecting this response because:
It had been passed the timeline for the mailing to stop.I had a rep to place a ticket on the matterI was informed by the same rep that I should of never gotten the letter.I disagree with the response due to the fact that I was all ready given the line of increase and once my credit line went up then they generated a letter and sent the letter to my mail box.If they can not respect the fact that I does want any letter increase letters and then I would like to take legal action against Finger HutI have internet and I am all ways logging in to my account and I am able to see the credit line.I have the right to have and not have what I does and does not want in my mail box
I am rejecting this response because:
in the catalog I received in the mail is dated june of 2012. on page of this catalog item FChef,s Mark pc stainless steel and cooper-base cookware set is advertised to have a 25-yr limited warranty. I pd by check in full as I always do , that is why there is no record of payments . this is again a company in the USA saying one thing and doing something else and no on is doing anything about it
Full response attachedCONFIDENTIAL COMMUNICATION: Ms*** would like to be able to use the 20% discount promotion she saw advertised on our website when she was researching the purchase of a new laptopOur promotional discounts do include disclaimer information that identifies what items may not
be eligible for the discountIn this case, the item Ms*** wanted to order was not eligible and that was included in the disclaimerWe are sending Ms*** a discount coupon she may use on a future order
I am rejecting this response because: the only reason why my payment amount changed was because I was charged for a fee for stopping payment on a checkIn addition, when I called and ordered the ladder I specifically told the man that I wanted the special deal and he assured me that I would have said dealFurthermore, Fingerhut as of lately seems to conveniently forget to notify you if your payments have changedI have had this account for many many years without ever having an issueSadly, after this last experience I think that it may be time for me to payoff my account and close it taking my business elsewhere
Initial Business Response /* (1000, 6, 2015/07/30) */
CONFIDENTIAL COMMUNICATION
July 29,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing
in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Unauthorized account activity is a serious matter, and we take seriously Ms***'s claim that she did not authorize the order from June 23, that consisted of three items
To assist Ms*** in this regard, our procedures required that an affidavit of unordered merchandise be sent, and for her to complete and return the form to usThe affidavit was sent on June 25, when Ms*** telephoned first notifying of the unauthorized orderWe received the completed form on July 13, and opened an investigation
On the same date, a letter was sent notifying the claim was denied, as the results of our investigation showed that the order was shipped and delivered to Ms***'s address on file--and on her inquiry--of ***., Deltona, FL The letter further advised: "If you do not agree with what we found, please file a police reportPlease file a police report for unauthorized merchandise ordered in your namePlease mail a copy of the police report to...Fingerhut, ***, StCloud, MN 56303."
On July 17, Ms*** telephoned and gave the phone agent permission to speak about this matter with her sonHe stated that they received the letter and indicated a police report could not be obtained given Ms***'s health issuesThe phone agent asked if he would be able to assist her with it, but he disagreed, stating a police report should not be necessary in resolving this matterHe then ended the call
Please understand that a police report continues to be required, as per our Credit Risk Department's policy covering this type of situationWithout it, Ms*** remains responsible for payment per the terms and conditions of the Agreement
Sincerely,
Vi ***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 8, 2015/08/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
These items were never ordered or received by me or anyone in my family I refuse to pay for something that I did not order or received plus I do not appreciate getting *** by them at all hours of the night and day getting yelled at for contacting the Revdex.com.org on them and being told I have no right to report them at all and per their terms and conditions on orders how am I supposed to obeyed by them were I didn't order anything so how can I accept their terms and conditions where I never saw them in the first place
Called the volusia sheriff explained to them what was going on they said that I'm not responsible for the items cause I didn't order or received that fingerhut was responsible where she never received order them they gave me an event number pXXXXXXXXX
Final Business Response /* (4000, 11, 2015/08/10) */
CONFIDENTIAL COMMUNICATION
August 10,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the further inquiry we received from your office on behalf of Ms*** ***
Please understand that our Payment Department will phone customers with payment reminders when a payment is not received by the due date or if it is below the required minimum dueAs a courtesy, we have placed a hold on Ms***'s account so that reminder calls will cease for days, as of the above date
We realize Ms*** asserts that she has not yet received the account terms and conditions, but does confirm that she authorized opening the account: "I never received my fingerhut card when I opened the account..."
While we can send Ms*** another copy of the terms, it does not deviate from the fact that she agreed and became subject to them upon accepting the credit offer and opening the accountThis is true whether she applied via phone, on the website or by regular mailA copy of the terms are included along with this letter
Please also understand that applying our policies consistently and equally to all customers is among our top prioritiesAs with any other customer with similar circumstances, Ms*** will need to provide a police report for unauthorized merchandise ordered in her name before we can investigate and/or remove the disputed charges
To expedite, she may fax the police report to ***, Attn: Andy or send regular mail to ***., StCloud, MN
Having provided all information available to us, we consider this matter closed
Sincerely,
Vi ***
Executive Care Team
VF/ah
Initial Business Response /* (1000, 5, 2015/11/04) */
CONFIDENTIAL COMMUNICATION
November 4,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Mr*** ***
Case #:
***
Dear Ms***,
I am writing in response to an inquiry received from your office on behalf of Mr*** *** regarding his WebBank/Fingerhut credit accountEnclosed are a statement of account activity, credit application, the last three monthly statements and Terms and Conditions
Mr*** states that Fingerhut calls him numerous times a day requesting payment on his Fingerhut credit accountHe goes on state that he has emailed payment arrangements to bring the account up to dateMr***'s desired resolution is to have the phone calls stopped immediately and he will pay whatever he is able to send to Fingerhut
According to our records, an application for credit was processed online April 30, An order was placed online, that same day, for a LifeMax(r) Folding TreadmillThe merchandise was shipped by FedEx Ground to the same address as listed on the applicationThe latest order, totaling $129.96, was placed on November 3,
We have received several payments from a checking account ending and a MasterCard credit ending in showing the name of *** *** and *** C*** respectivelyThe last payment was received on October 30, for $
As of November 4, 2015, Mr***'s account is being reported with a balance of $and past due of $To avoid further late fees and collection activity, the minimum payment of $must be received by November 5,
Mr***'s account may also qualify for a payment plan if he is unable to pay the minimum dueHe may contact our Billing Department at 1-866-836-to discuss his payment optionsTheir hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Time
Please note when making a payment arrangement or a promise to pay, two conditions have to be met:
A scheduled date when payment is to be made
A dollar amount that is to be paid
Our records indicate Mr*** sent emails to Fingerhut on October 19, 2015, October 25, and October 30, which do not meet the above listed requirements for a payment arrangement or promise to pay
Also note when a payment is not received or is not the correct minimum amount due as indicated on the monthly billing statement, the minimum payment due the next month will be higher and will continue to be higher until the correct minimum amount due is receivedOur Payment Department will phone our customers with payment reminders when a payment is not received by the due date
Based on the call logs associated with Mr***'s account, all outbound collection calls were attempted between the hours of 8am and 9pm Pacific TimeOur records also indicate Fingerhut never attempted to contact Mr*** more than six times in a day while his account has been in a delinquent status
If Mr*** wishes to cease further communication on the account, a written cease and desist request may be faxed to ***, mailed to***, StCloud, MN, or by calling ***
Please note, if a cease and desist status is placed on his account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desistA monthly statement will continue to be mailed
Mr***'s account would also be closed to future purchases and additional purchases on the account will not be allowedHowever, Fingerhut orders may be placed online using Visa, MasterCard, or Discover to pay for the order
Any outstanding balance will continue to accrue interest and you may be assessed late fees and Mr***'s account is still subject to the original terms and conditions of the Agreement
As a courtesy to Mr*** collection calls have been suppressed from October 27, to November 9, If payment arrangements are not made or a "cease and desist" has not been placed on the account by that date, collection activity may resume
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa
Enclosures
Initial Consumer Rebuttal /* (2000, 7, 2015/11/05) */
While I am a little satisfied that they company in question sent an email replying they will remove my phone number from receiving such courtesy reminders, my family members will reply they were not so courteous with their reminders
My younger brother *** received a number of calls within several minutes of each other even after he explained to the previous caller, I wasn't available and the message would be relayed
Also, if my year old mother would have had a heart attack or seizure, I would have sought further action against said company
I seriously started to wonder whether I was dealing with a company from a foreign country because they didn't seem to comprehend what my family members had told them
Calling an individual or individuals, constantly harassing them or family members is unacceptable in any business, personally owned or corporate wise
I expected a more formal apology for such harassment towards my family and myself even after I contacted them that I would be doing my best to meet the deadline
After being such a highly, valued customer for all those years, I can't wait to pay my balance off in full and tell them to remove my name from their mailing list and I guarantee I will try and help my other family members doing business with them to do the same, so they, too, won't receive such harassment as we have had the past few weeks, Even if I don't receive such an apology which I really don't expect to, my family members will hopefully be able to enjoy their days without such constant harassment again
If on 1/I could have enrolled then I would not have been days behindThe whole point was to sign up for assistanceI get sent to customer service and safeline no one will helpI refuse this answerPlease I want to sign up for safe line
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI would just like to be sure that the costs being refunded to me will no longer be deducted from my bank account (which is standard for purchases through this company)Thank you!
Initial Business Response /* (1000, 5, 2015/07/23) */
CONFIDENTIAL COMMUNICATION
July 22,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in
response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
We regret to learn of the problem Mr*** has encountered with the XBOX One Console with BuiKinect that he purchased on November 2, Upon consulting with our vendor/supplier for the device, we have approved it to be returned according to the terms of the one-year warranty now covering it
A return shipping label with instructions was sent on today's date to Mr***'s email address on file of ***@aol.comWe appreciate Mr*** stating in the inquiry that he will return the defective device to us as we require that this be done as part of the process
An order to send Mr*** a new replacement of the XBOX was also submitted on today's dateHe will receive an email notification with the carrier's tracking number once it has been shipped
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
CONFIDENTIAL COMMUNICATION February 17, Revdex.com of
Minnesota Attn: Ms*** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, We are writing in response to an inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut credit account ending in ***We have included a statement of account activity and a copy of the Terms and Conditions Ms*** states that the account has been settled with the assistance of *** *** ***, a Consumer Credit Counseling AgencyMs*** further states she has been trying to get the information removed from her credit report and has received no assistanceMs***’s desired resolution is to have the WebBank/Fingerhut trade line removed from her credit report Our records indicate, on June 18, 2014, an application was processed over the telephone with a representative using Ms***’s personally identifiable informationOn February 13, 2015, an order was placed online for a Crosley Record Cleaning Kit, a Crosley Cruiser Portable Turntable with a Year Service Plan, a Kirch Spoon and Fork Kitchen Wall Clock, a Belgian Waffle Maker with a Year Service Plan, and a T-fal High-Speed 4-Slice Stainless Steel Toaster with a Year Service PlanThe merchandise was shipped via SurePost and UPS to the same address as on the applicationThe most recent purchase, totaling $194.98, was placed on April 7, We have received multiple payments on this account from checking accounts ending in *** and ***The last payment of $was received on March 29, before the unpaid balance of $charged off on November 2, Our research indicates Fingerhut was notified on July 21, that Ms*** had engaged the services of *** *** ***, a debt settlement companyOn November 23, 2016, a settlement payment schedule totaling $was signed and agreedPayments were received on December 2, 2016, January 5, 2017, and January 18, in the amounts of $50.00, $50.00, $158.90, respectivelyThe three payments equaled the agreed upon settlement amountThe remaining balance of $has been charged off as a forgiven debt Since this payment arrangement has been successfully completed, Ms***’s WebBank Fingerhut credit account will report to the credit bureaus as charged off and settled for less than the full amount owed with a zero balance According to an account review on February 14, 2017, Equifax, Experian and Trans Union are reporting Ms***’s account as charged off with a $balancePlease allow up to sixty days for the bureaus to reflect the new settlement information Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/sa Enclosures
Full Response is attachedCONFIDENTIAL COMMUNICATION: Mr*** is not required to file a police report as we sent the merchandise to his old addressThe item has been creditedIn regards to his father's phone number being on his account, please note we had located that number as being
associated with Mr*** and called to confirm if it was correctWhen we were told it was not correct, it was marked as No Consent and is not considered a valid number for himWe apologize for the inconvenience
I am rejecting this response because:It's ashame that for getting nothing im being charged. Not only charged over charged and you are allowing them to get away with this unfair billing. I have yet to see you guys really fight for what's right
I am rejecting this response because:
I never got the credit to my account plus the late fees that were charged for months are still on my accountThey tell me as well that the account was creditedBefore all this my account was $now it is over $This company lies, and dont listen to their customersI am not paying for this, it is noe over months tgat this issue has been going on
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meIt has been resolvedThank you very much!
Initial Business Response /* (1000, 5, 2016/02/12) */
CONFIDENTIAL COMMUNICATION
February 12,
Revdex.com of Minnesota # ***
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms
***,
I am writing in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate Ms*** purchased an alcove Nairobe 30-PcBedroom Super Set - Queen, a 3DS Lego Marvel Super Heroes, and a Nintendo 3DS LEGO Jurassic WorldThese items were shipped via UPS Ground with the tracking numbers ***, ***, and *** and were delivered on December 21,
On December 24, Ms*** contacted Fingerhut stating she did not receive her orderWhen a customer states they have not received ordered merchandise, Fingerhut has certain policies and procedures in place in order to conduct an investigationOn December 24, a legal affidavit was mailed to Ms***'s address (*** Pembroke Pines, FL 33025)
On February 2, Ms*** contacted Fingerhut stating she did not receive the affidavit, at that time she was advised to complete an affidavit online
As of today's date, we have not received the completed affidavit from Ms***
As we understand the severity and urgency of this situation, Ms*** may fax the completed affidavit to ***, Attn: KristinaOnce this is received we can further investigate this matter
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 7, 2016/02/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When we contacted the office we where never given those numbers we where given the manufacture numbers and when we called they said there was nothing they could do they didn't even have my order on fileThe customer service repnever even discussed returning the item let alone being passed the return dateThere was no other numbers givenAnd once again we where never sent any information on the extd warrantyThis number "new" that they keep referring to this is the first we have herd about it other then the email sent to us after contacting the Revdex.comI also did contact the credit agency they put this ridicules balance to I informed them of my issues and they told me I should contact Revdex.com or settle with Fingure hutSo this response from them sounds like a standard corporate responseThis is VERY dishaertitng that you would treat a past good customer like this for such little amount of money This is no RESPECT FOR THE CUSTOMER AT ALL
I am rejecting this response because:On june 22nd I ordered a lawn mower hrLater I walked outside to find my dog with a hole in her neckI called fingerhut back to cancel the order, fingerhut was already closed.the next day on the 23rd of june I called fingerhut to cancel, I talked to marie she wouldI called back the 24th of june and talked to raven, she told me nothing was canceledI was upsetI asked raven if she could cancel the order and put my payment back the way it was, back to I also asked raven to have a supervisor call meRaven told me she would call me back within hours her name was kimto days later the phone rang as I reached for it and pick it up the person on the other end hung up, that was july 5thCalled fingerhut back on july 5th, talked to NesI told her the supervisor called and only let it rang once, and that I need to speak with a supervisor and if anything has been canceled on my accountNes told me noI asked her to please have a supervisor call meCalled fingerhut july 7th talked to angela, iasked if she could help me get this taken care of
* said she would have a supervisor call meLater on july 7th linda the supervisor called to help me get this fixedShe told me she canceled the order and I asked her to put my payment back to and have it auto pay for the 1st of every monthAlso I told her about the dollar payment and that when I phone in it says I owe 2,she said she would fix itI also told linda about I owed 1,can she tell much I owe now after everything has been fixedShe told me 1,after the payment of dollarsI told her thank you and I thought that was thatCall fingerbut on july 18th talked to tracy found out that I owe I asked to speak to a supervisor, tracy told me that she would call me back between hours to hoursShe told me her name would be windyCalled the bank to find out if fingerhut put the dollars back in my account it was notHere are some attached bill statments that showed who we talked to and the amount differences
Initial Business Response /* (1000, 5, 2015/06/25) */
CONFIDENTIAL COMMUNICATION
July 24,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing
in response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit AccountThe order Mr*** references in the inquiry was placed on June 3, and consisted of a Power Glide 10-inch Sliding Compound Miter Saw, a Rockwell 10-inch Table Saw with Stand, and a Pro-Series 24-piece Router Bit Set
His report of having received unacceptable service from the phone agent that he placed it with is regrettable, and we are pursuing this matterIt is vital that agents avoid any instance in which a customer could be made to feel they are not being listened to or even mistreated
Mr*** states he received a payment reminder call from a billing/recovery agent when no payment was received by his first due date, which our records confirmHe stated he was withholding payment as a deferred payment offer, advertised on his catalog, should have been applied to the order but was notThe agent advised Mr*** to contact customer service as they were equipped and authorized to handle applying a deferred offer to an order
Unfortunately, we did not find any evidence of Mr*** ever notifying customer service regarding the deferred payment issueLikewise, we did not find that a formal billing dispute was ever submitted to us about this matterIt was required in order for us to adjust or suspend Mr***'s payment obligation while we investigated it
The process of submitting a formal billing dispute is disclosed on the back of each monthly statementIt is the section titled "What to do if you think you find a mistake on your statement," and states, in part:
"If you think there is an error on your statement, write us at: Fingerhut Credit Account Services, ***, Saint Cloud, MN 56395-In your letter, give us the following information:
Account Information: Your name and Fingerhut Credit Account Number
Dollar Amount: The dollar amount of the suspected error
Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it's a mistake"
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 question."
Despite the continued payment reminder calls to Mr***, he continued to withhold paymentWhen no payment was received for six-plus consecutive months, the account charged off on January 8, It was then sold to Jefferson Capital, a debt-buyer, on January 29, and in accordance with the terms and conditions of his credit account Agreement
Mr*** should contact and continue to work with Jefferson Capital regarding the unpaid debt; the account is no longer in our possession and has not been within our rights to service since being sold
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
CONFIDENTIAL COMMUNICATION July 27, Revdex.com of
Minnesota Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, I am writing in response to an inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut Credit Account Ms*** states she spoke with a Fingerhut representative on June 20, and agreed to a three month payment planMs*** states she made a payment on July 1, and then began to received collection calls and letters around July 15, Ms*** also states when she called Fingerhut, none of the agents she spoke to could find evidence that she was enrolled in a payment planMs*** is requesting to continue to pay her bill according to the arrangements made on June 20, without receiving collection calls and letters According to our records, Ms*** had a payment due of $due on June 18, On June 20, 2016, Ms*** spoke with an agent in the Fingerhut Billing Department and made payment arrangements Ms*** made a payment for $on July 1, per the agreement on June 20, Our records indicate Ms*** did receive a payment reminder call on July 15, Ms*** contacted the Billing Department in an attempt to explain the previous arrangement Based on our review and previous handling, we returned Ms***’s account back to a current statusTwo late fees of $and $were credited to Ms***’s account on July 18, and July 27, 2016, respectively We appreciate Ms*** bringing this matter to our attention and trust this explanation and corresponding measures taken will meet her expectations of a satisfactory resolution If we can be of further assistance, please contact the Executive Care Team at ###-###-#### Monday through Friday 8am to 4:30pm Central Standard Time Sincerely, Kari *** Executive Care Team KD/lg
I am rejecting this response because:
not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit filesI have enclosed a copy of my FTC Identity Theft ReportBecause the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623(a)(1)(B) of the Fair Credit Reporting Act, U.S.C
I am rejecting this response because:
It had been passed the timeline for the mailing to stop.I had a rep to place a ticket on the matterI was informed by the same rep that I should of never gotten the letter.I disagree with the response due to the fact that I was all ready given the line of increase and once my credit line went up then they generated a letter and sent the letter to my mail box.If they can not respect the fact that I does want any letter increase letters and then I would like to take legal action against Finger HutI have internet and I am all ways logging in to my account and I am able to see the credit line.I have the right to have and not have what I does and does not want in my mail box
I am rejecting this response because:
in the catalog I received in the mail is dated june of 2012. on page of this catalog item FChef,s Mark pc stainless steel and cooper-base cookware set is advertised to have a 25-yr limited warranty. I pd by check in full as I always do , that is why there is no record of payments . this is again a company in the USA saying one thing and doing something else and no on is doing anything about it
Full response attachedCONFIDENTIAL COMMUNICATION: Ms*** would like to be able to use the 20% discount promotion she saw advertised on our website when she was researching the purchase of a new laptopOur promotional discounts do include disclaimer information that identifies what items may not
be eligible for the discountIn this case, the item Ms*** wanted to order was not eligible and that was included in the disclaimerWe are sending Ms*** a discount coupon she may use on a future order
I am rejecting this response because: the only reason why my payment amount changed was because I was charged for a fee for stopping payment on a checkIn addition, when I called and ordered the ladder I specifically told the man that I wanted the special deal and he assured me that I would have said dealFurthermore, Fingerhut as of lately seems to conveniently forget to notify you if your payments have changedI have had this account for many many years without ever having an issueSadly, after this last experience I think that it may be time for me to payoff my account and close it taking my business elsewhere
Initial Business Response /* (1000, 6, 2015/07/30) */
CONFIDENTIAL COMMUNICATION
July 29,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing
in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Unauthorized account activity is a serious matter, and we take seriously Ms***'s claim that she did not authorize the order from June 23, that consisted of three items
To assist Ms*** in this regard, our procedures required that an affidavit of unordered merchandise be sent, and for her to complete and return the form to usThe affidavit was sent on June 25, when Ms*** telephoned first notifying of the unauthorized orderWe received the completed form on July 13, and opened an investigation
On the same date, a letter was sent notifying the claim was denied, as the results of our investigation showed that the order was shipped and delivered to Ms***'s address on file--and on her inquiry--of ***., Deltona, FL The letter further advised: "If you do not agree with what we found, please file a police reportPlease file a police report for unauthorized merchandise ordered in your namePlease mail a copy of the police report to...Fingerhut, ***, StCloud, MN 56303."
On July 17, Ms*** telephoned and gave the phone agent permission to speak about this matter with her sonHe stated that they received the letter and indicated a police report could not be obtained given Ms***'s health issuesThe phone agent asked if he would be able to assist her with it, but he disagreed, stating a police report should not be necessary in resolving this matterHe then ended the call
Please understand that a police report continues to be required, as per our Credit Risk Department's policy covering this type of situationWithout it, Ms*** remains responsible for payment per the terms and conditions of the Agreement
Sincerely,
Vi ***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 8, 2015/08/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
These items were never ordered or received by me or anyone in my family I refuse to pay for something that I did not order or received plus I do not appreciate getting *** by them at all hours of the night and day getting yelled at for contacting the Revdex.com.org on them and being told I have no right to report them at all and per their terms and conditions on orders how am I supposed to obeyed by them were I didn't order anything so how can I accept their terms and conditions where I never saw them in the first place
Called the volusia sheriff explained to them what was going on they said that I'm not responsible for the items cause I didn't order or received that fingerhut was responsible where she never received order them they gave me an event number pXXXXXXXXX
Final Business Response /* (4000, 11, 2015/08/10) */
CONFIDENTIAL COMMUNICATION
August 10,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the further inquiry we received from your office on behalf of Ms*** ***
Please understand that our Payment Department will phone customers with payment reminders when a payment is not received by the due date or if it is below the required minimum dueAs a courtesy, we have placed a hold on Ms***'s account so that reminder calls will cease for days, as of the above date
We realize Ms*** asserts that she has not yet received the account terms and conditions, but does confirm that she authorized opening the account: "I never received my fingerhut card when I opened the account..."
While we can send Ms*** another copy of the terms, it does not deviate from the fact that she agreed and became subject to them upon accepting the credit offer and opening the accountThis is true whether she applied via phone, on the website or by regular mailA copy of the terms are included along with this letter
Please also understand that applying our policies consistently and equally to all customers is among our top prioritiesAs with any other customer with similar circumstances, Ms*** will need to provide a police report for unauthorized merchandise ordered in her name before we can investigate and/or remove the disputed charges
To expedite, she may fax the police report to ***, Attn: Andy or send regular mail to ***., StCloud, MN
Having provided all information available to us, we consider this matter closed
Sincerely,
Vi ***
Executive Care Team
VF/ah
Initial Business Response /* (1000, 5, 2015/11/04) */
CONFIDENTIAL COMMUNICATION
November 4,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Mr*** ***
Case #:
***
Dear Ms***,
I am writing in response to an inquiry received from your office on behalf of Mr*** *** regarding his WebBank/Fingerhut credit accountEnclosed are a statement of account activity, credit application, the last three monthly statements and Terms and Conditions
Mr*** states that Fingerhut calls him numerous times a day requesting payment on his Fingerhut credit accountHe goes on state that he has emailed payment arrangements to bring the account up to dateMr***'s desired resolution is to have the phone calls stopped immediately and he will pay whatever he is able to send to Fingerhut
According to our records, an application for credit was processed online April 30, An order was placed online, that same day, for a LifeMax(r) Folding TreadmillThe merchandise was shipped by FedEx Ground to the same address as listed on the applicationThe latest order, totaling $129.96, was placed on November 3,
We have received several payments from a checking account ending and a MasterCard credit ending in showing the name of *** *** and *** C*** respectivelyThe last payment was received on October 30, for $
As of November 4, 2015, Mr***'s account is being reported with a balance of $and past due of $To avoid further late fees and collection activity, the minimum payment of $must be received by November 5,
Mr***'s account may also qualify for a payment plan if he is unable to pay the minimum dueHe may contact our Billing Department at 1-866-836-to discuss his payment optionsTheir hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Time
Please note when making a payment arrangement or a promise to pay, two conditions have to be met:
A scheduled date when payment is to be made
A dollar amount that is to be paid
Our records indicate Mr*** sent emails to Fingerhut on October 19, 2015, October 25, and October 30, which do not meet the above listed requirements for a payment arrangement or promise to pay
Also note when a payment is not received or is not the correct minimum amount due as indicated on the monthly billing statement, the minimum payment due the next month will be higher and will continue to be higher until the correct minimum amount due is receivedOur Payment Department will phone our customers with payment reminders when a payment is not received by the due date
Based on the call logs associated with Mr***'s account, all outbound collection calls were attempted between the hours of 8am and 9pm Pacific TimeOur records also indicate Fingerhut never attempted to contact Mr*** more than six times in a day while his account has been in a delinquent status
If Mr*** wishes to cease further communication on the account, a written cease and desist request may be faxed to ***, mailed to***, StCloud, MN, or by calling ***
Please note, if a cease and desist status is placed on his account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desistA monthly statement will continue to be mailed
Mr***'s account would also be closed to future purchases and additional purchases on the account will not be allowedHowever, Fingerhut orders may be placed online using Visa, MasterCard, or Discover to pay for the order
Any outstanding balance will continue to accrue interest and you may be assessed late fees and Mr***'s account is still subject to the original terms and conditions of the Agreement
As a courtesy to Mr*** collection calls have been suppressed from October 27, to November 9, If payment arrangements are not made or a "cease and desist" has not been placed on the account by that date, collection activity may resume
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa
Enclosures
Initial Consumer Rebuttal /* (2000, 7, 2015/11/05) */
While I am a little satisfied that they company in question sent an email replying they will remove my phone number from receiving such courtesy reminders, my family members will reply they were not so courteous with their reminders
My younger brother *** received a number of calls within several minutes of each other even after he explained to the previous caller, I wasn't available and the message would be relayed
Also, if my year old mother would have had a heart attack or seizure, I would have sought further action against said company
I seriously started to wonder whether I was dealing with a company from a foreign country because they didn't seem to comprehend what my family members had told them
Calling an individual or individuals, constantly harassing them or family members is unacceptable in any business, personally owned or corporate wise
I expected a more formal apology for such harassment towards my family and myself even after I contacted them that I would be doing my best to meet the deadline
After being such a highly, valued customer for all those years, I can't wait to pay my balance off in full and tell them to remove my name from their mailing list and I guarantee I will try and help my other family members doing business with them to do the same, so they, too, won't receive such harassment as we have had the past few weeks, Even if I don't receive such an apology which I really don't expect to, my family members will hopefully be able to enjoy their days without such constant harassment again