CONFIDENTIAL COMMUNICATION
March 16,
Revdex.com of Minnesota # ***
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to further inquiry we received
from your office on behalf of Ms*** regarding a WebBank/Fingerhut Advantage Credit Account
We would like to help resolve the issues Ms*** is having on her account, but we need some clarificationA representative attempted to call Ms*** to do so on March 16, but was not successfulMs*** should call the executive care team at *** so we can help her further
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm
Initial Business Response /* (1000, 5, 2015/11/19) */
CONFIDENTIAL COMMUNICATION
November 19,
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
Mr*** states that he has had problems with the BLU Life Pro Unlocked Android SmartphoneWe would like to get a new phone out to Mr*** as soon as possible
We apologize Mr*** was informed that the BLU Life Pro Unlocked Android Smartphone phone was no longer in stockWe do have it in stock and it is available to Mr***
We can send Mr*** another phone at this time, however his account would be charged for it and his account would not be credited until we received the defective phone as a returnIn order to do this, he would need to call our order line at *** to place the order
Alternatively, Mr*** may return the phone and, once received and examine, a credit would be issued and a replacement would be sent
We have sent him a prepaid label to return the phoneIt may take to days for Mr*** to receive itOnce Mr*** has returned the phone, he should allow days for us to receive and process the returnOnce the return is received, a replacement will be sent to him
We at Gettington always strive for an exceptional customer experience in all interactions with our customers, and we sincerely apologize for the poor customer service he experienced
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm
Initial Consumer Rebuttal /* (2000, 7, 2015/11/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I have no problem with thisI just want them to hold up to what they have agreed to with the Revdex.comThis is what I wanted all alongThank you for helping me with this matter
I am rejecting this response because:Safeline has
nothing to do with this accountIt is on Fingerhut's hands because of the mishandling of the accountI had the same issues with them when I had the initial service problems with me calling back and forth between themThey both played the blame game on each other and I was the ball they kicked back and forth! They also ate not reporting to the credit bureaus correctly with who has it in collectionsI know who it's with and it's not who they say. Considering everything I went through with the mishandling of the account, they should just do what is asked by me before I take legal action against them for various violationsThat will cost them more 5han just the small amount on the account a a clearing up the reports on my credit bureau reports. Thanks
I am rejecting this response because:I never receive such terms when I signed up for fingerhutAnd they do force people to buy their productsBecause they say you must buy a certain amount of products to keep the credit line increaseSo how does that help someone credit? Using all of your credit line does not help youIt just helps bluestem brands to make more money and ruin your credit at the same timeI see the way you all responded to me that clearly don't care about your customers at all. Revdex.com you can close the compliant
We take privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issuesIn the interest of confidentiality, we have attached our response for the consumer to review
I am rejecting this response because:I do not see that a payment is credited- I do however see where the payment was cancelledIf an account holder was charged twice by there bank for /going to Fingerhut then the account should reflect this information Also see attached a copy of my bank transaction and the clearing of payments Dec 5th Payment HistoryAmountPayment DateStatusConfirmation #$47.0012/30/2016Paid16122646047422$25.0012/2/2016Cancelled16121645641990$20.001...⇄
I am rejecting this response because:
Please understand that I check the schedule payment on fingerhut.com and there were no payments set ups, before I processed my payment on the 27th of NovemberA supervisor never contact me and left a messagePlease understand I am a paying customer and never been late on a paymentI don't feel any customer should be treated the way I was or even now with the comments left on Revdex.comIt's a shame that I had to contact the Revdex.com to get a response from fingerhutThis is very bad customer service and I asked that a supervisor contact me through this complaint and I still haven't heard from oneWhenever I do call your customer service department I can't understand them or they have no idea what my problem is or do they know how to correct my concernsWhen I did contact fingerhut on November 29, 2016, why didn't the representative tell me that there were two payments set up to come out of my bank account for November 27, Please have a manager contact me
CONFIDENTIAL COMMUNICATION January 11, 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 & Conditions Ms*** states that Fingerhut consistently calls times an hour every day and that she has informed Fingerhut her monthly payment would be late because of payroll issues. Ms***’s desired resolution is to have a formal apology and to have Fingerhut change their practices Our records indicate on November 3, 2014, an application was processed with a representative using Ms***’s personally identifiable informationOn that same day, an order was placed over the phone for an HP 18.5" All-in-One Windows Desktop Computer and a Year Service PlanThe merchandise was shipped via UPS to the same address as on the applicationThe most recent purchase, totaling $942.94, was placed on August 6, We have received multiple payments on this account from a checking account ending in *** and Visa debit cards ending in ***, *** and *** all in the name of *** ***The most recent payment, totaling $69.99, was received on December 28, which brought the account to a current status As of January 11, Ms***’s account is current with a remaining balance of $1,and a past due amount of zeroThe account is showing a minimum payment of $due by January 18, According to our research, we attempted to contact Ms*** starting on December 19, regarding her WebBank/Fingerhut credit account while her account was in a delinquent statusBased on a call recording dated December 20, 2016, Ms*** stated, “I will make a payment on the ninth” and ended the call with the agent still on the line Please note, a valid payment arrangement consists of two parts, a date the payment will be made and the dollar amount to be paidMs***’s interaction on December 20, with Fingerhut did not meet the qualifications so collection activity continued Also note when a payment is not received on our customer’s WebBank/Fingerhut credit account, our Payment Department may phone with payment reminders and if our Payment Department does not speak directly with our customer, they may continue to call until they are able to reach them and discuss the payment that is owed on the account Also according to our research, contact was made again with Ms*** on December 26, regarding her WebBank Fingerhut credit account at which time she informed the representative to stop harassing her and ended the call with the agent still on the lineThe representative revoked consent, the same day, on the telephone number associated with Ms***’s account ###-###-####Ms*** is no longer receiving collection calls Based on the call logs associated with Ms***’s account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern TimeOur records also indicate Fingerhut never attempted to contact Ms*** more than six times in a day while her account was in a delinquent status Fingerhut’s goal is to provide professional customer service in all interactions and our representatives are trained accordinglyWe apologize if we have fallen short of Ms***s’ expectations If we can be of further assistance, Ms*** may contact our Customer Service Department at ###-###-#### Monday through Friday 8am to 8pm Central Time Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/sa Enclosures
I am rejecting this response because: I am
still paying for boots I'm not able wear, and how disappointed that Fingerhut has been selling items of such poor quality and does nothing to assist the customer to their satisfactionThis is not the first item I've ordered off the Fingerhut website and been very disgusted by the "quality" of their items
I am rejecting this response because:they fail to accecept the fact that billing statements and phone calls come from them,fingerhut continues to dial ###-###-#### in reference to mr *** accountrude nasty people demanding I pay the bill myselffingerhut also says after months from the date of death they will stop, however it has been weeks after the months and they still continue .if fingerhut does not cease all comunications regarding mr *** account I will obtain legal counsel and I will sue fingerhut for continued harassment
I am rejecting this response because:
It's untrue!This line from the response is 100% untrue:"The item Ms*** was attempting to purchase was an item from our sister company Old Pueblo TradersThis discount was not valid for her online order."Every single item in
my shopping bag -- there were five -- was selected from the Blair website! I clicked on the link in the email and shopped from the Blair website!I'm sorry, but that was a ridiculous response. Mr*** did not do a proper investigative like he should have. If I were his boss, I'd have a few words with him for failing to do his job!Once again, the website was not working properly -- and because it wasn't working properly, I called Blair's customer service and ordered one of the FIVE items in my bag -- but only because I was afraid it would sell out (which it did after I made my purchase). I refused to order the other items by phone because I wanted Blair to fix the technical problem with its website ON THAT DAY - ON CYBER MONDAY.Now, a few days ago I was able to make a purchase on the Blair website, and it was working properly. But it was not working properly on Cyber Monday.But my point -- which Mr*** completely ignored -- is that Blair's website had a technical problem on Cyber Monday, and no one at the company was willing to investigate my complaint and fix the website ON Cyber Monday. And, nothing has changed. The company is still unwilling to accept responsibility for the technical glitch that occurred on Cyber Monday.What do I want from this Revdex.com complaint? The name and contact information for a TECHNICAL person -- someone responsible for the operation of the company's website -- I can contact if there's another occasion when the website isn't working. Because calling Customer Service at Blair -- as Mr*** recommended in his response -- does not work -- just like Blair's website did not work on Cyber Monday!Sincerely,*** *** *** *** *** ***Arlington, Virginia 22203###-###-####
Dear Ms***:Toll Free *** ***April 27, 2016I am in receipt of your letter dated April 25, 2016, in regards to the above-referenced matter.I want to first and foremost apologize to *** *** for any inconvenience that this has caused her.also want to assure her that this account has been
closed and cancelled from my company by our clientas this account was placed in erro;.We strive to treat everyone with empathy and professionalism and I am sorry that this situationoccurredB*** about this.Sincerely yours,
Dear Ms***:? I am in receipt of your letter dated August 22, 2016, regarding the above-referenced account.? I want to apologize for any inconvenience this has caused the complainant and we will not contact her? regarding this account again.? The complainant can, of course,
continue to pay her account on the payment arrangement that she has? previously made with my company.? Sincerely,? CREDIT ADJUSTMENT BOARD, INC.?
Dear Mr ***? I am in receipt of your letter dated August 1, 2017, regarding the above-referenced accountPer the? complainant's request, we have requested a copy of their account from our client and will forward it to? the complainant upon receipt.? Please let me know if I can
be of further assistance.? Sincerely? CREDIT ADJUSTMENT BOARD, INC
***Hello and I would like to respond to this complaint by first offering my sincerest apologizes for any inconvenience this may have caused the complainant? We did notify the complainant of this delinquent account, in writing on May -28-? We also offered the complainant payment
arrangementsWe were notified by complainant to cease communications with her on July- 15-,and we did so immediately, and have not contacted nor will we contact complainant again in the future in regards to this account.Please have the complainant contact me directly if she needs anything else .Thanks,Nick?
Attn: *** ***? Re: Case Number ***? Dear *** ***,? In reply to Nicholas R***' response to the above referenced case, I am attaching letters that? were sent to Credit Adjustment BoardWe severed our business relationship with Credit? Adjustment Board on April 17, At that time, the agreement between *** and Credit? Adjustment Board dated August , 2014, became voidThe funds collected that Nicholas? R*** claims he earned a fee on were collected in October, November, and December 2015,? after we stopped using Credit Adjustment Board services.? Please see the attached correspondence.?
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] indicates she intended to place an order and verified that her address was missing the apartment number. Ms. [redacted] states she spoke with an agent that advised her someone would contact her back and took all the information for her order and the coupon code. Ms. [redacted] states she never received a call back and that she contacted us several times over a two week period and has not yet received credit for the coupon code or the sale prices. Ms. [redacted] is requesting credit for all the coupon codes and the sale prices for the items during Black Friday weekend. Our records indicate Ms. [redacted] placed an order on September 26, 2016 for a Ninja Coffee Bar. At the time the order was placed a promotion code was used for 10% off the cash price of the item. The order was placed on our website and was shipped to the address Ms. [redacted] entered when she placed the order. Ms. [redacted] contacted us on October 11, 2016 and advised us she did not receive the order. The agent updated Ms. [redacted]’s address per her request. An “affidavit of merchandise not received” was sent to Ms. [redacted] and upon receiving the completed affidavit we completed our investigation and credit was issued in the amount of $256.98 to her account. On November 23, 2016 Ms. [redacted] contacted us regarding her address and since additional verification was needed before the change of address could be completed the agent referred a message to our Fraud Department. When our Fraud Department attempted to contact Ms. [redacted] on November 25, 2016 at the phone number she provided, the agent got a recording that the phone number was disconnected. A letter was sent to the address we had on file for Ms. [redacted] the same day. On November 30, 2016 Ms. [redacted] contacted us again to place her order, however, since the additional verification had not yet been completed the agent transferred Ms. [redacted] to our Fraud Department. Since our intitial attempts to verify Ms. [redacted] at the updated address were unsuccessful, we requested Ms. [redacted] to send additional information to verify the change of address. We received the documentation needed to complete the change of address the same day and the address was updated. When Ms. [redacted] attempted to place the order with an agent, however, due to the length of time that had passed, the prices on some of the items and some of the coupon codes were no longer valid. The agent referred a message to a specialist and requested the promotion code to be applied for the Ninja Coffee Bar. This discount of 10% was applied to the new order of the Ninja Bar placed on November 30, 2016 per Ms. [redacted]’s request. Please understand, it is the responsibility of our customer to ensure we have the correct contact information on their account to avoid delays. Additionally, only one promotion code may be used per order. Since Ms. [redacted] received the discount on the Ninja Coffee Bar of $26.00, as a courtesy, we will honor one additional promotion code to be used on the order. Since the amount of the shipping and handling credit was a bigger benefit to Ms. [redacted] than the $50.00 off an order of $200.00 or more we have issued credit for the shipping and handling charges of $53.95 on Ms. [redacted]’s order. We also honored the price difference on the pillows Ms. [redacted] ordered due to the sale price during Black Friday which resulted in $15.00 credit being issued for each of the two pillows. The credits issued on Ms. [redacted]’s account will be reflected on a future billing statement. No other items ordered by Ms. [redacted] were discounted during our Black Friday sale timeframe. Fingerhut’s goal is to provide professional customer service in all interactions and our representatives are trained accordingly. We apologize if we have fallen short of Ms. [redacted]’s expectations. If Ms. [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
Dear Ms. [redacted]: I am in receipt of your letter dated June 15, 2016, regarding the above-referenced matter. The complainant's facts are in dispute and erroneous. Any fee earned by my company was justly earned in accordance with a written contract between the parties. I have...
contacted and responded to the complainant in a similar fashion. Please contact me if you need any further information. Sincerely, CREDIT ADJUSTMENT BOARD, INC.
CONFIDENTIAL COMMUNICATION
March 17, 2016
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to an...
inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account.
Mr. [redacted] states that he closed his WeBank/Fingerhut in August 2015, but is still being charged interest. Mr. [redacted] requests that his account be closed so that no further fees accrue. Additionally, he disputes the debt owed and asks that it be credited.
According to our records, an application for credit was processed online May 30, 2014. The name and address on the application is the same one provided when contacting us regarding this issue.
The first order was placed on June 9, 2014 for a Skechers Men's Brice - Oden Low Boot. The merchandise was shipped by UPS to the address provided on the application.
According to our records, Mr. [redacted] purchased $1,775.39 in merchandise between May 25, 2015 and June 28, 2015. Three of the orders were purchased with deferred billing. When the deferred billing on the purchases expired, the minimum due increased from $29.99 a month to 5% of the balance which was reflected on Mr. [redacted]'s monthly statements.
Based on Mr. [redacted]'s previous request, his account was closed on August 21, 2015. Any outstanding balance will continue to accrue interest and Mr. [redacted] may be assessed late fees and his account is still subject to the original terms and conditions of the agreement.
According to our records, monthly payments were received and processed on time until September 2015. No payments were recevied in September, October or November 2015.
When 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.
On November 23, 2015 Mr. [redacted] agreed to a nine month reduced payment plan for $65.00 a month starting on December 2, 2015 with reduced interest (14.9%) and no late fees.
According to our records, Mr. [redacted] made three payments for $65.00 on December 2, 2015, January 3, 2016 and February 2, 2016. The balance on the account went from $2,609.63 on November 22, 2015 to $2,508.88 as of March 17, 2016.
No payment was received for March 2, 2016 as the scheduled payment was declined by Mr. [redacted]'s bank. The remaining scheduled payments were disabled.
Mr. [redacted] may contact our Billing Department at [redacted] to reschedule the remaining payments for the payment plan. Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time.
An account review on March 16, 2016, confirmed that Equifax, Experian and Trans Union are reporting Mr. [redacted]'s account accurately as "closed at customer's request" and "Paying under a Partial Payment agreement." The delinquencies for October, November and December 2015 and January and February 2016 are accurate.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]'s Welcome Packet. It 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.
Per Mr. [redacted]'s request, we have revoked consent to call on the phone numbers currently associated with his account ([redacted]). If Mr. [redacted] would like to cease all further communication regarding his account, he may request that a Cease and Desist be placed on his account.
If Mr. [redacted] wishes to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted], St. Cloud, MN, 56303. Mr. [redacted] may also contact our Billing Department at [redacted].
Please note, if a cease and desist status is placed on Mr. [redacted]'s account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desist. A monthly statement will continue to be mailed.
Instructions for filing a formal billing dispute are on the back of Mr. [redacted]'s monthly billing statement.
Thank you for the opportunity to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
CONFIDENTIAL COMMUNICATION August 12, 2016 Revdex.com of Minnesota #[redacted] �...⇄ Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] - [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from Ms. [redacted]. Ms. [redacted] disagrees with our position, explained in detail in the previous response, to not refund the $30.00 down payment. She states it contradicts a letter from April 5, 2016 we sent indicating we would return the $30.00 down payment to her, which she can fax to us as proof. We agree a letter was sent to Ms. [redacted] on April 5, 2016, however, that letter did not indicate that the $30.00 down payment would be refunded to her. It notified that, although Ms. [redacted] had not “graduated” to a revolving account, she could try the FreshStart program again by placing a new order using the same account. We have no record of any other letters being sent Ms. [redacted] around that date. Ms. [redacted] may fax us the letter she is referencing at ###-###-####, Attn: Executive Care Group. At this time our position remains unchanged, as we were within our rights to apply that $30.00 as payment for the non-refundable shipping and handling charge Ms. [redacted] was responsible for per our return policy. Once we receive and review the letter in question, we can consider her request for a refund and will notify Ms. [redacted] directly of our decision. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ah
CONFIDENTIAL COMMUNICATION
March 16,
Revdex.com of Minnesota # ***
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to further inquiry we received
from your office on behalf of Ms*** regarding a WebBank/Fingerhut Advantage Credit Account
We would like to help resolve the issues Ms*** is having on her account, but we need some clarificationA representative attempted to call Ms*** to do so on March 16, but was not successfulMs*** should call the executive care team at *** so we can help her further
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm
Initial Business Response /* (1000, 5, 2015/11/19) */
CONFIDENTIAL COMMUNICATION
November 19,
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
Mr*** states that he has had problems with the BLU Life Pro Unlocked Android SmartphoneWe would like to get a new phone out to Mr*** as soon as possible
We apologize Mr*** was informed that the BLU Life Pro Unlocked Android Smartphone phone was no longer in stockWe do have it in stock and it is available to Mr***
We can send Mr*** another phone at this time, however his account would be charged for it and his account would not be credited until we received the defective phone as a returnIn order to do this, he would need to call our order line at *** to place the order
Alternatively, Mr*** may return the phone and, once received and examine, a credit would be issued and a replacement would be sent
We have sent him a prepaid label to return the phoneIt may take to days for Mr*** to receive itOnce Mr*** has returned the phone, he should allow days for us to receive and process the returnOnce the return is received, a replacement will be sent to him
We at Gettington always strive for an exceptional customer experience in all interactions with our customers, and we sincerely apologize for the poor customer service he experienced
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm
Initial Consumer Rebuttal /* (2000, 7, 2015/11/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I have no problem with thisI just want them to hold up to what they have agreed to with the Revdex.comThis is what I wanted all alongThank you for helping me with this matter
I am rejecting this response because:Safeline has
nothing to do with this accountIt is on Fingerhut's hands because of the mishandling of the accountI had the same issues with them when I had the initial service problems with me calling back and forth between themThey both played the blame game on each other and I was the ball they kicked back and forth! They also ate not reporting to the credit bureaus correctly with who has it in collectionsI know who it's with and it's not who they say. Considering everything I went through with the mishandling of the account, they should just do what is asked by me before I take legal action against them for various violationsThat will cost them more 5han just the small amount on the account a a clearing up the reports on my credit bureau reports. Thanks
I am rejecting this response because:I never receive such terms when I signed up for fingerhutAnd they do force people to buy their productsBecause they say you must buy a certain amount of products to keep the credit line increaseSo how does that help someone credit? Using all of your credit line does not help youIt just helps bluestem brands to make more money and ruin your credit at the same timeI see the way you all responded to me that clearly don't care about your customers at all. Revdex.com you can close the compliant
We take privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issuesIn the interest of confidentiality, we have attached our response for the consumer to review
I am rejecting this response because:I do not see that a payment is credited- I do however see where the payment was cancelledIf an account holder was charged twice by there bank for /going to Fingerhut then the account should reflect this information Also see attached a copy of my bank transaction and the clearing of payments Dec 5th Payment HistoryAmountPayment DateStatusConfirmation #$47.0012/30/2016Paid16122646047422$25.0012/2/2016Cancelled16121645641990$20.001...⇄
I am rejecting this response because:
Please understand that I check the schedule payment on fingerhut.com and there were no payments set ups, before I processed my payment on the 27th of NovemberA supervisor never contact me and left a messagePlease understand I am a paying customer and never been late on a paymentI don't feel any customer should be treated the way I was or even now with the comments left on Revdex.comIt's a shame that I had to contact the Revdex.com to get a response from fingerhutThis is very bad customer service and I asked that a supervisor contact me through this complaint and I still haven't heard from oneWhenever I do call your customer service department I can't understand them or they have no idea what my problem is or do they know how to correct my concernsWhen I did contact fingerhut on November 29, 2016, why didn't the representative tell me that there were two payments set up to come out of my bank account for November 27, Please have a manager contact me
CONFIDENTIAL COMMUNICATION January 11, 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 & Conditions Ms*** states that Fingerhut consistently calls times an hour every day and that she has informed Fingerhut her monthly payment would be late because of payroll issues. Ms***’s desired resolution is to have a formal apology and to have Fingerhut change their practices Our records indicate on November 3, 2014, an application was processed with a representative using Ms***’s personally identifiable informationOn that same day, an order was placed over the phone for an HP 18.5" All-in-One Windows Desktop Computer and a Year Service PlanThe merchandise was shipped via UPS to the same address as on the applicationThe most recent purchase, totaling $942.94, was placed on August 6, We have received multiple payments on this account from a checking account ending in *** and Visa debit cards ending in ***, *** and *** all in the name of *** ***The most recent payment, totaling $69.99, was received on December 28, which brought the account to a current status As of January 11, Ms***’s account is current with a remaining balance of $1,and a past due amount of zeroThe account is showing a minimum payment of $due by January 18, According to our research, we attempted to contact Ms*** starting on December 19, regarding her WebBank/Fingerhut credit account while her account was in a delinquent statusBased on a call recording dated December 20, 2016, Ms*** stated, “I will make a payment on the ninth” and ended the call with the agent still on the line Please note, a valid payment arrangement consists of two parts, a date the payment will be made and the dollar amount to be paidMs***’s interaction on December 20, with Fingerhut did not meet the qualifications so collection activity continued Also note when a payment is not received on our customer’s WebBank/Fingerhut credit account, our Payment Department may phone with payment reminders and if our Payment Department does not speak directly with our customer, they may continue to call until they are able to reach them and discuss the payment that is owed on the account Also according to our research, contact was made again with Ms*** on December 26, regarding her WebBank Fingerhut credit account at which time she informed the representative to stop harassing her and ended the call with the agent still on the lineThe representative revoked consent, the same day, on the telephone number associated with Ms***’s account ###-###-####Ms*** is no longer receiving collection calls Based on the call logs associated with Ms***’s account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern TimeOur records also indicate Fingerhut never attempted to contact Ms*** more than six times in a day while her account was in a delinquent status Fingerhut’s goal is to provide professional customer service in all interactions and our representatives are trained accordinglyWe apologize if we have fallen short of Ms***s’ expectations If we can be of further assistance, Ms*** may contact our Customer Service Department at ###-###-#### Monday through Friday 8am to 8pm Central Time Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/sa Enclosures
I am rejecting this response because: I am
still paying for boots I'm not able wear, and how disappointed that Fingerhut has been selling items of such poor quality and does nothing to assist the customer to their satisfactionThis is not the first item I've ordered off the Fingerhut website and been very disgusted by the "quality" of their items
I am rejecting this response because:they fail to accecept the fact that billing statements and phone calls come from them,fingerhut continues to dial ###-###-#### in reference to mr *** accountrude nasty people demanding I pay the bill myselffingerhut also says after months from the date of death they will stop, however it has been weeks after the months and they still continue .if fingerhut does not cease all comunications regarding mr *** account I will obtain legal counsel and I will sue fingerhut for continued harassment
I am rejecting this response because:
It's untrue!This line from the response is 100% untrue:"The item Ms*** was attempting to purchase was an item from our sister company Old Pueblo TradersThis discount was not valid for her online order."Every single item in
my shopping bag -- there were five -- was selected from the Blair website! I clicked on the link in the email and shopped from the Blair website!I'm sorry, but that was a ridiculous response. Mr*** did not do a proper investigative like he should have. If I were his boss, I'd have a few words with him for failing to do his job!Once again, the website was not working properly -- and because it wasn't working properly, I called Blair's customer service and ordered one of the FIVE items in my bag -- but only because I was afraid it would sell out (which it did after I made my purchase). I refused to order the other items by phone because I wanted Blair to fix the technical problem with its website ON THAT DAY - ON CYBER MONDAY.Now, a few days ago I was able to make a purchase on the Blair website, and it was working properly. But it was not working properly on Cyber Monday.But my point -- which Mr*** completely ignored -- is that Blair's website had a technical problem on Cyber Monday, and no one at the company was willing to investigate my complaint and fix the website ON Cyber Monday. And, nothing has changed. The company is still unwilling to accept responsibility for the technical glitch that occurred on Cyber Monday.What do I want from this Revdex.com complaint? The name and contact information for a TECHNICAL person -- someone responsible for the operation of the company's website -- I can contact if there's another occasion when the website isn't working. Because calling Customer Service at Blair -- as Mr*** recommended in his response -- does not work -- just like Blair's website did not work on Cyber Monday!Sincerely,*** *** *** *** *** ***Arlington, Virginia 22203###-###-####
Dear Ms***:Toll Free *** ***April 27, 2016I am in receipt of your letter dated April 25, 2016, in regards to the above-referenced matter.I want to first and foremost apologize to *** *** for any inconvenience that this has caused her.also want to assure her that this account has been
closed and cancelled from my company by our clientas this account was placed in erro;.We strive to treat everyone with empathy and professionalism and I am sorry that this situationoccurredB*** about this.Sincerely yours,
Dear Ms***:? I am in receipt of your letter dated August 22, 2016, regarding the above-referenced account.? I want to apologize for any inconvenience this has caused the complainant and we will not contact her? regarding this account again.? The complainant can, of course,
continue to pay her account on the payment arrangement that she has? previously made with my company.? Sincerely,? CREDIT ADJUSTMENT BOARD, INC.?
Dear Mr ***? I am in receipt of your letter dated August 1, 2017, regarding the above-referenced accountPer the? complainant's request, we have requested a copy of their account from our client and will forward it to? the complainant upon receipt.? Please let me know if I can
be of further assistance.? Sincerely? CREDIT ADJUSTMENT BOARD, INC
***Hello and I would like to respond to this complaint by first offering my sincerest apologizes for any inconvenience this may have caused the complainant? We did notify the complainant of this delinquent account, in writing on May -28-? We also offered the complainant payment
arrangementsWe were notified by complainant to cease communications with her on July- 15-,and we did so immediately, and have not contacted nor will we contact complainant again in the future in regards to this account.Please have the complainant contact me directly if she needs anything else .Thanks,Nick?
Attn: *** ***? Re: Case Number ***? Dear *** ***,? In reply to Nicholas R***' response to the above referenced case, I am attaching letters that? were sent to Credit Adjustment BoardWe severed our business relationship with Credit? Adjustment Board on April 17, At that time, the agreement between *** and Credit? Adjustment Board dated August , 2014, became voidThe funds collected that Nicholas? R*** claims he earned a fee on were collected in October, November, and December 2015,? after we stopped using Credit Adjustment Board services.? Please see the attached correspondence.?
CONFIDENTIAL COMMUNICATION December 20, 2016...
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] indicates she intended to place an order and verified that her address was missing the apartment number. Ms. [redacted] states she spoke with an agent that advised her someone would contact her back and took all the information for her order and the coupon code. Ms. [redacted] states she never received a call back and that she contacted us several times over a two week period and has not yet received credit for the coupon code or the sale prices. Ms. [redacted] is requesting credit for all the coupon codes and the sale prices for the items during Black Friday weekend. Our records indicate Ms. [redacted] placed an order on September 26, 2016 for a Ninja Coffee Bar. At the time the order was placed a promotion code was used for 10% off the cash price of the item. The order was placed on our website and was shipped to the address Ms. [redacted] entered when she placed the order. Ms. [redacted] contacted us on October 11, 2016 and advised us she did not receive the order. The agent updated Ms. [redacted]’s address per her request. An “affidavit of merchandise not received” was sent to Ms. [redacted] and upon receiving the completed affidavit we completed our investigation and credit was issued in the amount of $256.98 to her account. On November 23, 2016 Ms. [redacted] contacted us regarding her address and since additional verification was needed before the change of address could be completed the agent referred a message to our Fraud Department. When our Fraud Department attempted to contact Ms. [redacted] on November 25, 2016 at the phone number she provided, the agent got a recording that the phone number was disconnected. A letter was sent to the address we had on file for Ms. [redacted] the same day. On November 30, 2016 Ms. [redacted] contacted us again to place her order, however, since the additional verification had not yet been completed the agent transferred Ms. [redacted] to our Fraud Department. Since our intitial attempts to verify Ms. [redacted] at the updated address were unsuccessful, we requested Ms. [redacted] to send additional information to verify the change of address. We received the documentation needed to complete the change of address the same day and the address was updated. When Ms. [redacted] attempted to place the order with an agent, however, due to the length of time that had passed, the prices on some of the items and some of the coupon codes were no longer valid. The agent referred a message to a specialist and requested the promotion code to be applied for the Ninja Coffee Bar. This discount of 10% was applied to the new order of the Ninja Bar placed on November 30, 2016 per Ms. [redacted]’s request. Please understand, it is the responsibility of our customer to ensure we have the correct contact information on their account to avoid delays. Additionally, only one promotion code may be used per order. Since Ms. [redacted] received the discount on the Ninja Coffee Bar of $26.00, as a courtesy, we will honor one additional promotion code to be used on the order. Since the amount of the shipping and handling credit was a bigger benefit to Ms. [redacted] than the $50.00 off an order of $200.00 or more we have issued credit for the shipping and handling charges of $53.95 on Ms. [redacted]’s order. We also honored the price difference on the pillows Ms. [redacted] ordered due to the sale price during Black Friday which resulted in $15.00 credit being issued for each of the two pillows. The credits issued on Ms. [redacted]’s account will be reflected on a future billing statement. No other items ordered by Ms. [redacted] were discounted during our Black Friday sale timeframe. Fingerhut’s goal is to provide professional customer service in all interactions and our representatives are trained accordingly. We apologize if we have fallen short of Ms. [redacted]’s expectations. If Ms. [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
Dear Ms. [redacted]: I am in receipt of your letter dated June 15, 2016, regarding the above-referenced matter. The complainant's facts are in dispute and erroneous. Any fee earned by my company was justly earned in accordance with a written contract between the parties. I have...
contacted and responded to the complainant in a similar fashion. Please contact me if you need any further information. Sincerely, CREDIT ADJUSTMENT BOARD, INC.
CONFIDENTIAL COMMUNICATION
March 17, 2016
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to an...
inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account.
Mr. [redacted] states that he closed his WeBank/Fingerhut in August 2015, but is still being charged interest. Mr. [redacted] requests that his account be closed so that no further fees accrue. Additionally, he disputes the debt owed and asks that it be credited.
According to our records, an application for credit was processed online May 30, 2014. The name and address on the application is the same one provided when contacting us regarding this issue.
The first order was placed on June 9, 2014 for a Skechers Men's Brice - Oden Low Boot. The merchandise was shipped by UPS to the address provided on the application.
According to our records, Mr. [redacted] purchased $1,775.39 in merchandise between May 25, 2015 and June 28, 2015. Three of the orders were purchased with deferred billing. When the deferred billing on the purchases expired, the minimum due increased from $29.99 a month to 5% of the balance which was reflected on Mr. [redacted]'s monthly statements.
Based on Mr. [redacted]'s previous request, his account was closed on August 21, 2015. Any outstanding balance will continue to accrue interest and Mr. [redacted] may be assessed late fees and his account is still subject to the original terms and conditions of the agreement.
According to our records, monthly payments were received and processed on time until September 2015. No payments were recevied in September, October or November 2015.
When 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.
On November 23, 2015 Mr. [redacted] agreed to a nine month reduced payment plan for $65.00 a month starting on December 2, 2015 with reduced interest (14.9%) and no late fees.
According to our records, Mr. [redacted] made three payments for $65.00 on December 2, 2015, January 3, 2016 and February 2, 2016. The balance on the account went from $2,609.63 on November 22, 2015 to $2,508.88 as of March 17, 2016.
No payment was received for March 2, 2016 as the scheduled payment was declined by Mr. [redacted]'s bank. The remaining scheduled payments were disabled.
Mr. [redacted] may contact our Billing Department at [redacted] to reschedule the remaining payments for the payment plan. Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time.
An account review on March 16, 2016, confirmed that Equifax, Experian and Trans Union are reporting Mr. [redacted]'s account accurately as "closed at customer's request" and "Paying under a Partial Payment agreement." The delinquencies for October, November and December 2015 and January and February 2016 are accurate.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]'s Welcome Packet. It 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.
Per Mr. [redacted]'s request, we have revoked consent to call on the phone numbers currently associated with his account ([redacted]). If Mr. [redacted] would like to cease all further communication regarding his account, he may request that a Cease and Desist be placed on his account.
If Mr. [redacted] wishes to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted], St. Cloud, MN, 56303. Mr. [redacted] may also contact our Billing Department at [redacted].
Please note, if a cease and desist status is placed on Mr. [redacted]'s account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desist. A monthly statement will continue to be mailed.
Instructions for filing a formal billing dispute are on the back of Mr. [redacted]'s monthly billing statement.
Thank you for the opportunity to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
CONFIDENTIAL COMMUNICATION August 12, 2016 Revdex.com of Minnesota #[redacted] �...⇄ Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] - [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from Ms. [redacted]. Ms. [redacted] disagrees with our position, explained in detail in the previous response, to not refund the $30.00 down payment. She states it contradicts a letter from April 5, 2016 we sent indicating we would return the $30.00 down payment to her, which she can fax to us as proof. We agree a letter was sent to Ms. [redacted] on April 5, 2016, however, that letter did not indicate that the $30.00 down payment would be refunded to her. It notified that, although Ms. [redacted] had not “graduated” to a revolving account, she could try the FreshStart program again by placing a new order using the same account. We have no record of any other letters being sent Ms. [redacted] around that date. Ms. [redacted] may fax us the letter she is referencing at ###-###-####, Attn: Executive Care Group. At this time our position remains unchanged, as we were within our rights to apply that $30.00 as payment for the non-refundable shipping and handling charge Ms. [redacted] was responsible for per our return policy. Once we receive and review the letter in question, we can consider her request for a refund and will notify Ms. [redacted] directly of our decision. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ah