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
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
(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
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) */
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!
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
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
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
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
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
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:
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
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:
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*** L***I
Initial Business Response /* (1000, 5, 2015/10/08) */
CONFIDENTIAL COMMUNICATION
October 7,
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
Per the Account Terms and Conditions to which Mr*** 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 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 placed within the applicable timeframe, the temporary increase expires and the regular credit limit is restored
Our records indicate that a temporary increase of credit was issued on September 29, which brought Mr***'s credit limit to $
Mr*** is concerned the credit increases may lower his credit scoreUnfortunately, 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 increasesMr***'s credit limit will be frozen at $Although we will not issue any further increases without his consent, we reserve the right to reduce Mr***'s credit limit if our ongoing credit review process warrants it
We trust this explanation will meet Mr***'s expectations, and would like to apologize for any confusion this may have caused him
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 6, 2015/10/08) */
CONFIDENTIAL COMMUNICATION August 1, Revdex.com of Minnesota Attn: *** *** S River Ridge Circle Burnsville, MN Re: *** *** Complaint # *** Dear Ms***, We are writing in response to an inquiry received from Ms***
*** regarding her order and shipping and return fees In Ms***’s complaint she states she placed an order with our company for four itemsShe was charged $for shipping and handling chargesWhen the items came they looked like they had been worn and returnedMs*** also states one item was not made of twill but was a heavy denimTo return the items, Ms*** would have to pay $for return shipping chargesShe is stating this will be a lost of $for items that were not new and not as describedMs*** is requesting a refund of $for these charges On July 15, 2017, Ms*** placed and order with our company by telephone for four itemsThe order total was $which was $for the merchandise and $for the shipping If Ms***’s wishes to return the merchandise her return label fee will be waived as a one time courtesyUnfortuately, the shipping and handling charge of $is nonrefundable If Ms*** has any additional questions or concerns, she may contact Customer Service at ###-###-####Their hours of operation are Monday-Friday 9:00am-9:00pm Eastern Time Thank you for allowing us to explainSincerely, Denise *** Executive Care Team
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
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
(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
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) */
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!
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
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
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
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
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
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:
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
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:
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*** L***I
Initial Business Response /* (1000, 5, 2015/10/08) */
CONFIDENTIAL COMMUNICATION
October 7,
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
Per the Account Terms and Conditions to which Mr*** 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 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 placed within the applicable timeframe, the temporary increase expires and the regular credit limit is restored
Our records indicate that a temporary increase of credit was issued on September 29, which brought Mr***'s credit limit to $
Mr*** is concerned the credit increases may lower his credit scoreUnfortunately, 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 increasesMr***'s credit limit will be frozen at $Although we will not issue any further increases without his consent, we reserve the right to reduce Mr***'s credit limit if our ongoing credit review process warrants it
We trust this explanation will meet Mr***'s expectations, and would like to apologize for any confusion this may have caused him
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 6, 2015/10/08) */
CONFIDENTIAL COMMUNICATION August 1, Revdex.com of Minnesota Attn: *** *** S River Ridge Circle Burnsville, MN Re: *** *** Complaint # *** Dear Ms***, We are writing in response to an inquiry received from Ms***
*** regarding her order and shipping and return fees In Ms***’s complaint she states she placed an order with our company for four itemsShe was charged $for shipping and handling chargesWhen the items came they looked like they had been worn and returnedMs*** also states one item was not made of twill but was a heavy denimTo return the items, Ms*** would have to pay $for return shipping chargesShe is stating this will be a lost of $for items that were not new and not as describedMs*** is requesting a refund of $for these charges On July 15, 2017, Ms*** placed and order with our company by telephone for four itemsThe order total was $which was $for the merchandise and $for the shipping If Ms***’s wishes to return the merchandise her return label fee will be waived as a one time courtesyUnfortuately, the shipping and handling charge of $is nonrefundable If Ms*** has any additional questions or concerns, she may contact Customer Service at ###-###-####Their hours of operation are Monday-Friday 9:00am-9:00pm Eastern Time Thank you for allowing us to explainSincerely, Denise *** Executive Care Team