Initial Business Response /* (1000, 5, 2015/10/14) */
CONFIDENTIAL COMMUNICATION
October 9,
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
Ms*** claims that she set up recurring monthly payments to be drafted from the account on the 3rd of each month, but that two payments of $were drafted on October 4th and 5thWe sincerely apologize for this and we have credited the account $We did not draft a payment on October 3rd, and a payment of $was due by 10/5, so if we were to credit back the second $77, the account would not be currentThe account did not accrue any late fees or overdraft charges, as the account was paid by the due date of the 5th
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm
Initial Business Response /* (1000, 5, 2015/08/13) */
CONFIDENTIAL COMMUNICATION
August 11,
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
The inquiry indicated several concerns that Ms*** has had with her account, which I will address as follows
First, Ms*** expressed she felt she received poor customer serviceWe at Fingerhut always strive for excellence and professionalism in all customer interactions and we apologize if this was not accomplished
Next, she claimed that she did not receive statements for September-December Our records indicate that she is set up to receive her statements electronicallyStatements were sent to her email address ***@GMAIL.COM until the account became delinquent in May of At this time, paper statements resumedPayments were due on the 18th of each month, and it is our policy that, if payments are late or short of the minimum due, late fees will be applied to the accountOur records show that we did not receive a payment in September, October, and November In December 2014, we received a payment of $78, which did not meet the minimum amount due
Lastly, Ms*** is unhappy with the four late payments which are reflecting on her credit reportWe are unable to remove the delinquency history from the credit report, as we are required by law to furnish accurate monthly payment and account history to the credit bureaus
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me because although my refund wasn't sent on the 16th like fingerhut stated, after I contacted my bank and fingerhut customer service, they finally issued Me a refundI will never shop at finger hut again!
CONFIDENTIAL COMMUNICATION July 5, Revdex.com of Minnesota
#*** Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, We are writing in response to an inquiry received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, credit application, Terms and Conditions, last three statements, and a collections letter dated December 16, Mr*** states that he had made a large payment in November to bring his account current. Mr*** further states that when he called a month later to pay the remaining balance, he was told that the Fingerhut account had charged off and been sold to a third party collections agencyMr*** is requesting that Fingerhut delete the trade line and remove any associated late fees and interest Based on our research, the Fingerhut credit account ending in *** was opened online December 4, with Mr***‘s personal identifiable informationAn order was placed over the phone on December 5, for a Cuisinart/Keurig K-Cup Brewing System Silver and a Beats Pill Bluetooth Speaker with Mic in WhiteThe merchandise were delivered via FHome to the address provided on the credit application Our records indicate, on November 1, 2014, a payment of $was received over the phone using checking account ending in *** which brought the account current. On November 7, 2014, the payment of $was reversed by Mr***’s bank due to an incorrect bank account numberMr***‘s account reverted back into a delinquent status Please note that Mr***‘s account is a revolving account which means there is a required minimum amount due each monthWhen a payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date Mr***’s statement dated December 5, showed that the $payment had reversed on November 7, due to an invalid bank account numberMr*** also received a collections letter dated December 16, that stated his account was severely delinquent and in danger of charging offMr*** received collection calls beginning November 10, through January 2, when the account charged off with a balance of $Mr***’s account was sold to *** *** on January 29, An account review on June 30, confirms Equifax, Experian, and TransUnion are accurately reporting the account as Purchased by Another Lender or Transferred/Sold with a balance of zero We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Mr***‘s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Mr*** has questions about what *** *** may be reporting, he may contact them directly at ###-###-#### Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/sjj Enclosures
Full Response Attached. CONFIDENTIAL COMMUNICATION: Ms*** set up multiple recurring payment schedules to occur on the same day on our website, and she chose different payment amountsThis is the reason for the multiple payments in differing amountsThese schedules have been canceledIn
regards to the item she states she did not receive, our records indicate she first contacted us in June advising she had returned the item and was checking on that returnWe had not yet received it at that timeShe contacted us again in September stating she didn't receive itThe item is too old for credit to be issuedMs***'s balance is correct and she should follow the payment due dates and amounts on her billing statement
I am rejecting this response because: due to the fact that finger hut shipped three items which were on the same order as three separate shipments which caused my shipping payments to be a little over (items at ea and the third item at 50.00) I have been taken advantage of and played for stupidI know what shipping fees normally are and there is no way I should have been billed that much for shipping
Revdex.com:
I have reviewed the response
made by the business in reference to complaint ID *** for the most part, I find that this resolution to be satisfactory. However, as I have been working for almost an entire year to have this issue resolved, I am disappointed that it could take up to two months before it is stricken from my record. I wonder if there is a way to expedite this so that I may continue with my financial plans on which are highly dependent upon my credit report. I am very VERY grateful for the work that the Revdex.com put in to assist me in the resolution of this claim. Since I was a young person, I have always heard people speak of the Revdex.com and the company is often a part of suggestions when people are facing an unfair business experience. However, I would always kinda chalk it up to just another company with a reputation that it could not likely live up to anymore, if ever at all. In today's marketplace, lots of organizations simply just do not care anymore even those which at one point, during the height of community/customer service, were committed toI am happy to discover that the Revdex.com commitment to helping to uphold fair business practice is as alive as ever! My experience with the Revdex.com team has been stellar and beyond expectations. You are truly the powerhouse that your legendary reputation affirms. Thank you Revdex.comcheers to a company that is still true to its mission
CONFIDENTIAL COMMUNICATION May 24, 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 Fingerhut processed a payment for $on May 15, without her authorizationMs*** further states she called Fingerhut on May 16, to inquire about the payment, but was not able to get any details. Ms*** is requesting a refund for $and an explanation of who authorized the $payment to process on May 15, According to our records, Ms*** called Fingerhut on April 29, to make a same day payment for $with an American Express CardMs*** provided the new card information and agreed to the payment authorization read by the agent After carefully reviewing the call recording dated April 29, 2016, we can verify that Ms*** authorized two additional future payments for $206.00; one on May 15, and the second on May 31, The payment scripting was read by the agent and Ms*** gave her verbal authorization to schedule the payments A letter confirming the two scheduled payments was mailed to Ms*** on May 3, The payment for $processed successfully and brought Ms***’ account currentThere are no remaining payments scheduled and the American Express card used for the payment in question has been disabled. Fingerhut is unable to honor Ms***’ request for a refund because she gave verbal authorization to schedule the paymentMs*** may contact her bank if she chooses to request a payment reversal Thank you for the opportunity to explain Sincerely, Kari *** Executive Care Team KD/lg *** ** *** ***
Initial Business Response /* (1000, 6, 2015/12/10) */
CONFIDENTIAL COMMUNICATION
December 10,
# ***
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 FreshStart Credit Account
The account Ms*** is referring to does not reflect that she is the account holderIn the interest of customer confidentiality, we have sent a response directly to the customer
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
I am rejecting this response because:I do not have power of attorney nor do I attend on getting it if that is your procedure I understand but Ideal with my mothers bills and if she gives verbal permission that should be proficient enough I never had to go through this in order to pay a bill
March 16,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** *** ***
Case #: ***
Dear Ms***,
I am writing in response to an additional inquiry received from your office on behalf of Ms*** *** *** regarding her WebBank/Fingerhut Credit AccountAttached are a statement of account activity and the statements dated November 6, through March 6,
Ms*** states the balance on her Fingerhut account was $in November when she made her payment onlineMs*** further states Fingerhut did not attempt to contact her and she was unaware of a problem until February Ms*** maintains a representative agreed with her situation and told her that Fingerhut would correct the error on her credit report and credit the feesMs*** is requesting that Fingerhut honor what she saw online and what the representative said regarding her credit report
According to our records, the balance on Ms***'s account was $when her statement printed November 6, Ms***'s account was current; she had not been charged any late fees since May
As previously stated, Ms*** made a payment of $on November 20, which left a balance of $When her statement printed on December 6, 2016, Ms*** was charged the minimum interest of $and for SafeLine account protectionThese charges brought her balance to $
Ms*** did not incur additional late fees until January and February which were credited as part of a payment arrangement made on February 26,
As stated in our previous response, in an attempt to resolve the past due on her account, Fingerhut began to call Ms*** on January 3, These calls continued until February 26, when the account was brought current
Ms*** spoke with an agent on January 20, 2016, but according to our records, Ms*** said she was at work and ended the call
Based on the available call recordings, we were unable to locate any documentation to support Ms***'s statement that she was promised by a representative that prior delinquencies would be removed
Ms*** was advised by an agent in the Credit bureau Department that the payment, two late fee credits and her current status would be reflected on her credit report on March 6,
The credit bureaus are reporting accurately as current with a balance of zeroThe delinquencies for February 2016, and April to July are also accurate
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Ms***'s Welcome PacketIt states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well
If Ms*** still has questions about her account regarding what has or has not been reported to the credit bureaus, please contact us at the address listed above or by calling us toll-free at ***, Monday through Friday 9:00am to 6:00pm Central Standard Time
Thank you for the opportunity to explain
Sincerely,
Kari ***
Executive Care Team
KD/lg
Enclosures
(Account Activity_***)
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 hope this will resolve all fee including the administrative fee of $that I will not be paying that has been reported to the credit agency. Thank you*** ***
I just got another email from Fingerhut saying I am past due when I make my monthly payments on time...it is not even due until the 24th - but this is from the charges they continue to put on my account every month...I have every cancelled check to prove this =I just got one of these notices a
couple days ago as well and also my bill from them last week and then a separate bill again from them last week demanding the payment saying I am past due and to pay all those phoney charges they continue to accrue on my account...I email them and they refuse to respond and when I call them it is overseas and they are very nasty...this is insane...I hope you can get this resolved for me before I am forced to go legal with them
***copied and pasted from email
I am rejecting this response because: Order was
placed on 11/17/I received a statement on 11/24/with a due date of 12/20/2016, amount due was $It doesn't seem feasible to expect a payment on an order I had not received until 11/29/On 12/6/an electronic payment was made in the amount of $- more than the $that was due on 12/20/(not 11/as that was the date the statement was sentI received an increase of $more on 01/04/I then paid $on 01/17/again, more than the amount due; $on 02/21/2017; $on 03/and another $on 03/28/- which, since there is no penalty for paying ahead, that should mean I am now month ahead of any subsequent statementSo I continued to pay, $on 04/28; $on 05/16; $on 06/15; $on 07/18; $on 08/22; and $on 09/Again, if there is any instance for which I was assessed any late fee it would be incorrectYes, my credit reports do reflect on-time and "in good standing" my account with Fingerhut which was my greatest concern, and not a matter of "our representative unable to provide the explanation I was seeking"But to be reimbursed in any instance for which I was charged any late fee
I am rejecting this response because:
I never received any communication from this company regarding a fraud affidavit after contacting this officeregarding this account Yes,
I did file for bankruptcy as stated and at the time I did pull my credit report whichI also turned in to the bankruptcy trustee and this account was not listed on my report at that time I am outof the country for the next days so I was only able to file a police report online and the item number givenis ***I have asked repeatedly for your company to provide me with documentation that it was I whoactually opened this account and to date have received no information, my husband checks the mail on a regularbasis You sending me a fraud affidavit does not satisfy the FCRA which states that upon dispute of informationon a credit a report validation must be provided.Your company fraudulently opened an account in MY NAME and now you want me to validate the account, how isthat possible when I have no information on the account.I want this fraudulent account removed off my credit report or I will be speaking to a Consumer Attorney about your numerous FCRA violations.*** ***
Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action
would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I receive very little mail and open everything that I receive TO DATE, I YET TO RECEIVE ANY CORRESPONDENCE VIA MAIL FROM THIS COMPANY
Regards,
*** ***
I am rejecting this response because: They state that they attempted to contact me through the following phone number: ###-###-####This is an old phone number and I don't know how or why it was associated with my accountThey did not call me on either of the other two phone numbersOne of them was my cell phone and I would have answeredI checked my phone record and it does not show that Gettington tried to contact me at my cell phone numberI am not satisfied with their resolution in the matter and I feel there terms were unjustAs I stated in my original complaint, and according to their own admission, I made a payment in February (February 8, 2016) this was well before the due date on February 22, They further state that the amount of $was reversed by my bankThis was a joint account that my husband had added my name onIt was his reversing of the monies not mineIn addition I was out of town when I returned I had a letter from Gettington stating the money from my husbands bank account had been reversedI immediately made a payment of $ To give me only thirty days in which to respond is poor business protocolMost companies when they hear about a situation such as mine they would work with meObviously Gettington does not value their loyal customersI purchased many items through Gettington and I always paid them when due and most of the time I paid the bill in full well before the due date. As I stated in my original complaint I will pay the remainder of the balance offIn light of how this was handled, I will never do business again with Gettington. They have offered me the option to have my account closedI will do that later today
Full response attachedCONFIDENTIAL COMMUNICATION: Mr*** purchased an Amana Electric Dryer and states it isn't functioning properlyMr*** will need to work with Amana to have the dryer inspectedWhen Mr*** purchased the item, there was verbiage included with the product information
that stated: “In order to ensure the best service for your new appliance, all service issues must be arranged with the vendorPlease see packing slip and warranty for further information.”
I am rejecting this response because:
They must return $as outgoing shipping fees
Initial Business Response /* (1000, 5, 2015/10/14) */
CONFIDENTIAL COMMUNICATION
October 9,
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
Ms*** claims that she set up recurring monthly payments to be drafted from the account on the 3rd of each month, but that two payments of $were drafted on October 4th and 5thWe sincerely apologize for this and we have credited the account $We did not draft a payment on October 3rd, and a payment of $was due by 10/5, so if we were to credit back the second $77, the account would not be currentThe account did not accrue any late fees or overdraft charges, as the account was paid by the due date of the 5th
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm
Initial Business Response /* (1000, 5, 2015/08/13) */
CONFIDENTIAL COMMUNICATION
August 11,
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
The inquiry indicated several concerns that Ms*** has had with her account, which I will address as follows
First, Ms*** expressed she felt she received poor customer serviceWe at Fingerhut always strive for excellence and professionalism in all customer interactions and we apologize if this was not accomplished
Next, she claimed that she did not receive statements for September-December Our records indicate that she is set up to receive her statements electronicallyStatements were sent to her email address ***@GMAIL.COM until the account became delinquent in May of At this time, paper statements resumedPayments were due on the 18th of each month, and it is our policy that, if payments are late or short of the minimum due, late fees will be applied to the accountOur records show that we did not receive a payment in September, October, and November In December 2014, we received a payment of $78, which did not meet the minimum amount due
Lastly, Ms*** is unhappy with the four late payments which are reflecting on her credit reportWe are unable to remove the delinquency history from the credit report, as we are required by law to furnish accurate monthly payment and account history to the credit bureaus
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me because although my refund wasn't sent on the 16th like fingerhut stated, after I contacted my bank and fingerhut customer service, they finally issued Me a refundI will never shop at finger hut again!
CONFIDENTIAL COMMUNICATION July 5, Revdex.com of Minnesota
#*** Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, We are writing in response to an inquiry received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, credit application, Terms and Conditions, last three statements, and a collections letter dated December 16, Mr*** states that he had made a large payment in November to bring his account current. Mr*** further states that when he called a month later to pay the remaining balance, he was told that the Fingerhut account had charged off and been sold to a third party collections agencyMr*** is requesting that Fingerhut delete the trade line and remove any associated late fees and interest Based on our research, the Fingerhut credit account ending in *** was opened online December 4, with Mr***‘s personal identifiable informationAn order was placed over the phone on December 5, for a Cuisinart/Keurig K-Cup Brewing System Silver and a Beats Pill Bluetooth Speaker with Mic in WhiteThe merchandise were delivered via FHome to the address provided on the credit application Our records indicate, on November 1, 2014, a payment of $was received over the phone using checking account ending in *** which brought the account current. On November 7, 2014, the payment of $was reversed by Mr***’s bank due to an incorrect bank account numberMr***‘s account reverted back into a delinquent status Please note that Mr***‘s account is a revolving account which means there is a required minimum amount due each monthWhen a payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date Mr***’s statement dated December 5, showed that the $payment had reversed on November 7, due to an invalid bank account numberMr*** also received a collections letter dated December 16, that stated his account was severely delinquent and in danger of charging offMr*** received collection calls beginning November 10, through January 2, when the account charged off with a balance of $Mr***’s account was sold to *** *** on January 29, An account review on June 30, confirms Equifax, Experian, and TransUnion are accurately reporting the account as Purchased by Another Lender or Transferred/Sold with a balance of zero We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Mr***‘s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Mr*** has questions about what *** *** may be reporting, he may contact them directly at ###-###-#### Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/sjj Enclosures
Full Response Attached. CONFIDENTIAL COMMUNICATION: Ms*** set up multiple recurring payment schedules to occur on the same day on our website, and she chose different payment amountsThis is the reason for the multiple payments in differing amountsThese schedules have been canceledIn
regards to the item she states she did not receive, our records indicate she first contacted us in June advising she had returned the item and was checking on that returnWe had not yet received it at that timeShe contacted us again in September stating she didn't receive itThe item is too old for credit to be issuedMs***'s balance is correct and she should follow the payment due dates and amounts on her billing statement
I am rejecting this response because: due to the fact that finger hut shipped three items which were on the same order as three separate shipments which caused my shipping payments to be a little over (items at ea and the third item at 50.00) I have been taken advantage of and played for stupidI know what shipping fees normally are and there is no way I should have been billed that much for shipping
Revdex.com:
I have reviewed the response
made by the business in reference to complaint ID *** for the most part, I find that this resolution to be satisfactory. However, as I have been working for almost an entire year to have this issue resolved, I am disappointed that it could take up to two months before it is stricken from my record. I wonder if there is a way to expedite this so that I may continue with my financial plans on which are highly dependent upon my credit report. I am very VERY grateful for the work that the Revdex.com put in to assist me in the resolution of this claim. Since I was a young person, I have always heard people speak of the Revdex.com and the company is often a part of suggestions when people are facing an unfair business experience. However, I would always kinda chalk it up to just another company with a reputation that it could not likely live up to anymore, if ever at all. In today's marketplace, lots of organizations simply just do not care anymore even those which at one point, during the height of community/customer service, were committed toI am happy to discover that the Revdex.com commitment to helping to uphold fair business practice is as alive as ever! My experience with the Revdex.com team has been stellar and beyond expectations. You are truly the powerhouse that your legendary reputation affirms. Thank you Revdex.comcheers to a company that is still true to its mission
CONFIDENTIAL COMMUNICATION May 24, 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 Fingerhut processed a payment for $on May 15, without her authorizationMs*** further states she called Fingerhut on May 16, to inquire about the payment, but was not able to get any details. Ms*** is requesting a refund for $and an explanation of who authorized the $payment to process on May 15, According to our records, Ms*** called Fingerhut on April 29, to make a same day payment for $with an American Express CardMs*** provided the new card information and agreed to the payment authorization read by the agent After carefully reviewing the call recording dated April 29, 2016, we can verify that Ms*** authorized two additional future payments for $206.00; one on May 15, and the second on May 31, The payment scripting was read by the agent and Ms*** gave her verbal authorization to schedule the payments A letter confirming the two scheduled payments was mailed to Ms*** on May 3, The payment for $processed successfully and brought Ms***’ account currentThere are no remaining payments scheduled and the American Express card used for the payment in question has been disabled. Fingerhut is unable to honor Ms***’ request for a refund because she gave verbal authorization to schedule the paymentMs*** may contact her bank if she chooses to request a payment reversal Thank you for the opportunity to explain Sincerely, Kari *** Executive Care Team KD/lg *** ** *** ***
Initial Business Response /* (1000, 6, 2015/12/10) */
CONFIDENTIAL COMMUNICATION
December 10,
# ***
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 FreshStart Credit Account
The account Ms*** is referring to does not reflect that she is the account holderIn the interest of customer confidentiality, we have sent a response directly to the customer
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
I am rejecting this response because:I do not have power of attorney nor do I attend on getting it if that is your procedure I understand but Ideal with my mothers bills and if she gives verbal permission that should be proficient enough I never had to go through this in order to pay a bill
March 16,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** *** ***
Case #: ***
Dear Ms***,
I am writing in response to an additional inquiry received from your office on behalf of Ms*** *** *** regarding her WebBank/Fingerhut Credit AccountAttached are a statement of account activity and the statements dated November 6, through March 6,
Ms*** states the balance on her Fingerhut account was $in November when she made her payment onlineMs*** further states Fingerhut did not attempt to contact her and she was unaware of a problem until February Ms*** maintains a representative agreed with her situation and told her that Fingerhut would correct the error on her credit report and credit the feesMs*** is requesting that Fingerhut honor what she saw online and what the representative said regarding her credit report
According to our records, the balance on Ms***'s account was $when her statement printed November 6, Ms***'s account was current; she had not been charged any late fees since May
As previously stated, Ms*** made a payment of $on November 20, which left a balance of $When her statement printed on December 6, 2016, Ms*** was charged the minimum interest of $and for SafeLine account protectionThese charges brought her balance to $
Ms*** did not incur additional late fees until January and February which were credited as part of a payment arrangement made on February 26,
As stated in our previous response, in an attempt to resolve the past due on her account, Fingerhut began to call Ms*** on January 3, These calls continued until February 26, when the account was brought current
Ms*** spoke with an agent on January 20, 2016, but according to our records, Ms*** said she was at work and ended the call
Based on the available call recordings, we were unable to locate any documentation to support Ms***'s statement that she was promised by a representative that prior delinquencies would be removed
Ms*** was advised by an agent in the Credit bureau Department that the payment, two late fee credits and her current status would be reflected on her credit report on March 6,
The credit bureaus are reporting accurately as current with a balance of zeroThe delinquencies for February 2016, and April to July are also accurate
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Ms***'s Welcome PacketIt states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well
If Ms*** still has questions about her account regarding what has or has not been reported to the credit bureaus, please contact us at the address listed above or by calling us toll-free at ***, Monday through Friday 9:00am to 6:00pm Central Standard Time
Thank you for the opportunity to explain
Sincerely,
Kari ***
Executive Care Team
KD/lg
Enclosures
(Account Activity_***)
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 hope this will resolve all fee including the administrative fee of $that I will not be paying that has been reported to the credit agency. Thank you*** ***
I just got another email from Fingerhut saying I am past due when I make my monthly payments on time...it is not even due until the 24th - but this is from the charges they continue to put on my account every month...I have every cancelled check to prove this =I just got one of these notices a
couple days ago as well and also my bill from them last week and then a separate bill again from them last week demanding the payment saying I am past due and to pay all those phoney charges they continue to accrue on my account...I email them and they refuse to respond and when I call them it is overseas and they are very nasty...this is insane...I hope you can get this resolved for me before I am forced to go legal with them
***copied and pasted from email
I am rejecting this response because: Order was
placed on 11/17/I received a statement on 11/24/with a due date of 12/20/2016, amount due was $It doesn't seem feasible to expect a payment on an order I had not received until 11/29/On 12/6/an electronic payment was made in the amount of $- more than the $that was due on 12/20/(not 11/as that was the date the statement was sentI received an increase of $more on 01/04/I then paid $on 01/17/again, more than the amount due; $on 02/21/2017; $on 03/and another $on 03/28/- which, since there is no penalty for paying ahead, that should mean I am now month ahead of any subsequent statementSo I continued to pay, $on 04/28; $on 05/16; $on 06/15; $on 07/18; $on 08/22; and $on 09/Again, if there is any instance for which I was assessed any late fee it would be incorrectYes, my credit reports do reflect on-time and "in good standing" my account with Fingerhut which was my greatest concern, and not a matter of "our representative unable to provide the explanation I was seeking"But to be reimbursed in any instance for which I was charged any late fee
I am rejecting this response because:
I never received any communication from this company regarding a fraud affidavit after contacting this officeregarding this account Yes,
I did file for bankruptcy as stated and at the time I did pull my credit report whichI also turned in to the bankruptcy trustee and this account was not listed on my report at that time I am outof the country for the next days so I was only able to file a police report online and the item number givenis ***I have asked repeatedly for your company to provide me with documentation that it was I whoactually opened this account and to date have received no information, my husband checks the mail on a regularbasis You sending me a fraud affidavit does not satisfy the FCRA which states that upon dispute of informationon a credit a report validation must be provided.Your company fraudulently opened an account in MY NAME and now you want me to validate the account, how isthat possible when I have no information on the account.I want this fraudulent account removed off my credit report or I will be speaking to a Consumer Attorney about your numerous FCRA violations.*** ***
I am rejecting this response because:I do not care what they sayI do not now nor have I ever wanted this accountI want it closed!
Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action
would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I receive very little mail and open everything that I receive TO DATE, I YET TO RECEIVE ANY CORRESPONDENCE VIA MAIL FROM THIS COMPANY
Regards,
*** ***
I am rejecting this response because: They state that they attempted to contact me through the following phone number: ###-###-####This is an old phone number and I don't know how or why it was associated with my accountThey did not call me on either of the other two phone numbersOne of them was my cell phone and I would have answeredI checked my phone record and it does not show that Gettington tried to contact me at my cell phone numberI am not satisfied with their resolution in the matter and I feel there terms were unjustAs I stated in my original complaint, and according to their own admission, I made a payment in February (February 8, 2016) this was well before the due date on February 22, They further state that the amount of $was reversed by my bankThis was a joint account that my husband had added my name onIt was his reversing of the monies not mineIn addition I was out of town when I returned I had a letter from Gettington stating the money from my husbands bank account had been reversedI immediately made a payment of $ To give me only thirty days in which to respond is poor business protocolMost companies when they hear about a situation such as mine they would work with meObviously Gettington does not value their loyal customersI purchased many items through Gettington and I always paid them when due and most of the time I paid the bill in full well before the due date. As I stated in my original complaint I will pay the remainder of the balance offIn light of how this was handled, I will never do business again with Gettington. They have offered me the option to have my account closedI will do that later today
Full response attachedCONFIDENTIAL COMMUNICATION: Mr*** purchased an Amana Electric Dryer and states it isn't functioning properlyMr*** will need to work with Amana to have the dryer inspectedWhen Mr*** purchased the item, there was verbiage included with the product information
that stated: “In order to ensure the best service for your new appliance, all service issues must be arranged with the vendorPlease see packing slip and warranty for further information.”