Initial Business Response /* (1000, 5, 2015/10/08) */
CONFIDENTIAL COMMUNICATION
October 2,
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
The account Mr*** *** is referring to does not reflect that he is the account-holderWhile we do have verbal authorization from the customer to speak with the spouse over the phone, we will be sending a letter directly to the customer regarding this matter in the interest of protecting customer privacy
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm
Initial Consumer Rebuttal /* (2000, 7, 2015/10/19) */
I am rejecting this response because:
I would like to know if FingerHut would drop all of the late charges and have the balance where it was before I was unable to continue the paymentsI will start my low payment of what is was beginning in July and receive my available! Credit back onto my account.Thanks*** L***I
CONFIDENTIAL COMMUNICATION August 1, Revdex.com of Minnesota Attn: *** *** S River Ridge Circle Burnsville, MN Re: *** *** Complaint # *** Dear Ms***, We are writing in response to an inquiry received from Ms***
*** regarding her order and shipping and return fees In Ms***’s complaint she states she placed an order with our company for four itemsShe was charged $for shipping and handling chargesWhen the items came they looked like they had been worn and returnedMs*** also states one item was not made of twill but was a heavy denimTo return the items, Ms*** would have to pay $for return shipping chargesShe is stating this will be a lost of $for items that were not new and not as describedMs*** is requesting a refund of $for these charges On July 15, 2017, Ms*** placed and order with our company by telephone for four itemsThe order total was $which was $for the merchandise and $for the shipping If Ms***’s wishes to return the merchandise her return label fee will be waived as a one time courtesyUnfortuately, the shipping and handling charge of $is nonrefundable If Ms*** has any additional questions or concerns, she may contact Customer Service at ###-###-####Their hours of operation are Monday-Friday 9:00am-9:00pm Eastern Time Thank you for allowing us to explainSincerely, Denise *** Executive Care Team
Initial Business Response /* (1000, 5, 2015/10/08) */
CONFIDENTIAL COMMUNICATION
October 7,
Revdex.com of Minnesota # ***
Attn: ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms
***,
I am writing in response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Per the Account Terms and Conditions to which Mr*** has agreed, "We may increase or reduce your credit limit, or suspend or terminate your Account at any time without causeWe will provide notice to you to the extent applicable by law." Any reduction, increase, or other change to the account's credit limit is the result of ongoing systematic monitoring of account activity dataThis information may pertain to the customer's Fingerhut Account as well as their credit history as a whole
Customers who show an overall strong performance with respect to credit may notice their Fingerhut Account has been given a credit line increase, either temporary or permanentBy placing an order or orders on their credit account during the time their temporary increase is in effect, the customer's regular credit limit is given a permanent increase matching the amount of the order(s), to a round dollar figureIf no orders are placed within the applicable timeframe, the temporary increase expires and the regular credit limit is restored
Our records indicate that a temporary increase of credit was issued on September 29, which brought Mr***'s credit limit to $
Mr*** is concerned the credit increases may lower his credit scoreUnfortunately, credit reporting agencies do not reveal the exact details and inner-workings of their scoring systemsWhat is known are the basic components and attributes of a credit file that are influential determinants of the overall credit ratingIf our temporary credit increase would have any impact in this regard, it would be in relation to the "credit utilization" (also known as debt-to-credit-limit ratio), which is the percentage of available credit that has been borrowed
While we feel this process does not have any long-term, unreasonable impact on our customers' credit ratings, we respect and accommodate customer requests to opt out of credit increasesMr***'s credit limit will be frozen at $Although we will not issue any further increases without his consent, we reserve the right to reduce Mr***'s credit limit if our ongoing credit review process warrants it
We trust this explanation will meet Mr***'s expectations, and would like to apologize for any confusion this may have caused him
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 6, 2015/10/08) */
CONFIDENTIAL COMMUNICATION January 11, Revdex.com of Minnesota Attn: Ms*** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, We are writing in response to a second inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut credit account ending in ***We have included a copy of the previous response dated December 29, Ms*** states that her Fingerhut credit account was paid in full to *** ***l and Fingerhut is reporting incorrectly to the credit bureaus. Ms***’s desired resolution is to have the account marked as paid and a letter stating the account is paid As we stated in our previous response, on August 24, 2012, an application was processed online using Ms***’s personally identifiable informationOn April 19, 2013, an order was placed online for a Barberry Queen 9pc Comforter SetThe merchandise was shipped via FedEx to the same address as on the applicationThe most recent purchase, totaling $83.98, was placed on May 31, We have received multiple payments on this account from a checking account ending in *** shown in the name of *** ***The last payment, totaling $20.00, was received on November 7, The unpaid balance of $charged off on February 8, The account was sold to *** ***l on February 27, Fingerhut no longer collects or owns the account Since the account was sold to *** ***l, the payments made on March 4, 8, 13, 18, 25, and 27, and April 1, were received after the account was sold and have been forwarded to the account owner, *** ***l According to an account review completed on January 4, 2017, Equifax, Experian and Trans Union are accurately reporting the account as “Transfer/Sold” and/or “Purchased by Another Lender” with a balance of zero According to the letter included in Ms***’s rebuttal response it states in part, “*** *** *** *** received your payment on the above-referenced account in the amount of $on 06/29/This account will be considered paid in full upon non-reversal of funds.” Ms*** paid the account owner, *** *** *** ***, not Fingerhut. 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, she may 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 allowing us to explain Sincerely, Kari *** Executive Care Team KD/sa Enclosures
I am rejecting this response because:Fingergut needs to remove a ll them late fees from myb account trying make me pay for merchandise that was returned t o them I paid the bill what to been paid correct payment I knew whats t o been paid , cause I did not send in their request total dollars more than amount payment sent in Two llate fees they take off adjut my payment for returned merchandise removed from my account giving real balance whats owed I did not get purple shower curtain I ordered nby mistake sent A white one I returned never gave me refund for I want refund for that shower curtain A applied to my balance
Initial Business Response /* (1000, 5, 2015/08/21) */
CONFIDENTIAL COMMUNICATION
August 19,
Revdex.com of Minnesota #XXXXXXXXXX
Attn: *** ***
*** S*** *** ***
*** ** XXXXX
Re: Mr***
***
Case #: XXXXXXXX
Dear Ms***
We are writing in response to an inquiry received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut FreshStart AccountWe have included a statement of account activity, credit application, Terms and Conditions, and the Truth-In-Lending Agreement
In Mr***'s complaint, he states that he had agreed to make eight $paymentsMr*** further states that he was charged an extra $Mr***'s desired resolution is to receive a refund for the money paid above $or be given a $credit limit
Our records indicate that a Fingerhut FreshStart Installment Loan account was opened online April 5, when an order was placed with the $down payment for a Keurig MINI Plus Personal K-Cup Brewing System, a Royal Sheet Crosscut Shredder, a Year Service Plan, a Nifty K-Cup Roll Out Storage Drawer, and a second Year Service PlanOn April 6, 2014, the merchandise was shipped FedEx Home to the same address in Mr***'s complaint
We have received multiple payments from various MasterCard and Visa debit cardsThe name on the Visa debit card ending in is *** E***The last payment of $was made on July 06,
Please note that when an installment 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 receivedAdditionally, we may charge a late fee and interest charges will accrue on the balance owedOur Payment Department may phone our customers with payment reminders when a payment is not received by the due date
On June 29, 2015, Mr***'s account charged off with a balance of $and sold to *** on July 29,
Since Mr***'s account had charged off, the payments of $and $on June 2, and June 6, 2015, respectively have been forwarded to ***Please have Mr*** forward future payments to ***
If Mr*** has further questions, he may call *** directly at X-XXX-XXX-XXXX
Thank you for allowing us to explain
Sincerely,
Kari ***
***
KD/sjj
Enclosures
Initial Consumer Rebuttal /* (3000, 7, 2015/08/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did pay over $and really as long as you paying on something you not allowed to turn it over that a law I not gonna pay a dine to anyone but fingerhut so ya I paid like $on this never missed a payment of $
Final Business Response /* (4000, 12, 2015/09/10) */
***See attached document
RE: Mr*** ***
Case #: ***
Dear Ms***,
We are writing in response to a second inquiry received from your office on behalf of Mr*** ***
regarding a WebBank/Fingerhut FreshStart AccountWe have enclosed a statement of account
activity and monthly statements from February through June
In Mr***'s rebuttal complaint, he states that has already paid between $and $Mr***
goes on to state that, as long as he is paying something on his bill, his account cannot be soldMr
*** states that he will only pay Fingerhut and that he has never missed a payment
Following the last scheduled monthly installment payment date on December 27, 2014, our records
indicate that on the February 1, statement, all outstanding interest and late fees were added to
the minimum payment duePlease reference the Promise to Pay section of the terms and conditions
that were included in Mr***'s Welcome PacketIt states:
"You promise to pay the Principle Amount, which is the purchase price of the goods and services
you purchase from Fingerhut less your down payment to Fingerhut, plus interest on the unpaid
balance of your Loan at an Annual Percentage Rate of 24.9% (monthly periodical rate of
2.075%)
The actual finance charge you pay may exceed the Finance Charge disclosed in the Truth-in-
Lending Disclosure provided to you, if you make your payments later than the scheduled dates
or in less than the scheduled amountsYou may prepay all or any part of the amount due under
this Agreement at any time without penaltyA partial prepayment will not charge or defer your
next scheduled paymentAmounts outstanding following the last scheduled monthly installment
payment date (and any interest on such amounts) will be due in full one month after the last
scheduled monthly installment payment dateWe can apply your payments to outstanding Finance Charges, your unpaid Principal Amount, or any additional charges in our discretion, subject to applicable legal requirements."
Mr***'s payments totaling $that were received on February 2, 2015, February 7, 2015, and February 27, did not satisfy the remaining balance due of $due on the account February 27,
On the March 1, statement, the remaining balance was $
Mr*** had made four payments totaling $on March 2, 2015, two on March 11, 2015, and March 12,
On the April 1, statement, the remaining balance was $
Mr*** had made three payments totaling $on April 5, 2015, April 20, 2015, and April 27,
On the May 1, statement, the remaining balance was $
Mr*** had made six payments totaling $on May 3, 2015, May 5, 2015, and May 7, 2015, May 10, 2015, May 12, 2015, and May 30,
On the June 1, statement, the remaining balance was $
Please note that 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 receivedAdditionally, we may charge a late fee and interest charges will accrue on the balance owedOur Payment Department may phone our customers with payment reminders when a payment is not received by the due date
Mr***'s account charged off with an unpaid balance of $on June 29, and sold to *** on July 29,
If Mr*** has further questions, he may call *** directly at ***
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sjj
Enclosures
I am rejecting this response because: Attached is the letter stating that this account that is on my credit report as fingerhut has been paid in full *** ***l can not correct my credit report because they are not on it Fingerhut is and all monies was paid to Fingerhut. I just want it to be marked as paid and a letter from them also
I am rejecting this response because:Never once through all the corresponding did they mention an error was made in omitting the first two digits of my address, and as I explained the police report could not be filed since no crime was committedI spoke to a Deputy ***, who was a female officer, and she did not wish to give her bagde number and said they could reach her when calledThey have continued to give me the run sround, as well as go days without response
Full response attachedCONFIDENTIAL COMMUNICATION: Ms*** states that we have not yet refunded the down-payment she submitted with the order she placedOur records indicate we did not receive those down-payment funds because her bank would not submit them as ACH, so the attempt was reversed
If she can provide documentation that the funds were withdrawn and paid to us, we will continue to investigateShe should fax or mail that documentation to usBecause we did not receive the funds from that original order, we did not ship the second order, and it was canceledWithout a down-payment, it cannot be shippedWe apologize for any inconvenience this causes
I am rejecting this response because:
I have read the written response sent by Bluestem Brands, Incand Fingerhut regarding the complaint I submitted to the Revdex.com.I appreciate them following up with the information they providedIn fact, the details they provided you were the first I have seen from them and includes a lot more information than I have been privy to these last few months.I have asked Bluestem to notify me when a letter was to be sent to the credit bureaus, and I had not received notification at all until reading the letter you receivedTheir lack of follwith a consumer who is going through identity theft is troubling.In their letter, it states that I had only sent the first page of my police report, which is incorrectI made sure to send both pages (and took photos of the documents I sent before placing them in the envelope and mailing them)This is upsetting that Bluestem/Fingerhut seem to be placing blame on the customer for their own mishandling of private documents, which contain highly sensitive information involving a victim of identity theftThey lost my police report by failing to scan the second page into their systemWhen I called to inquire why they had not received my police report, the woman at Bluestem simply stated she couldn't find the scanned item in the systemI was the one who notified Bluestem they were only reviewing Page of of my police report, not the other way around as Bluestem's letter states.In addition, I had mailed them a copy of my identity theft report filed with the FTC which clearly states Fingerhut on itBluestem verbally confirmed they did have that completed report on file, but told me they could only initiate an account cancellation with a filed police reportPolice reports affect nothing when dealing with a federal crime, and just force the consumer to do even more work on their part when they are already dealing with the troubles that come with being an identity theft victim.I was not notified they had lost my police report -- I just received a subsequent (and incorrectly dated) letter in the mail asking for me to submit an initial police report and affidavit as if I had not already gone through the laborious process of doing soThese automated letters need to be adjusted or done away with, and customers need to receive better communication when they are working with a company that did not thoroughly vet an applicant before conducting a hard credit pull.That brings me to my biggest concern (which Bluestem failed to address in their letter at all): the hasty nature in which Bluestem/Fingerhut conducted a hard credit pull of my informationI received a copy of the application a week or so agoNot only is there an inadequate amount of information filled out on the application, but there is nothing on the application that shows that I (or better yet, the criminal) gave consent to Bluestem/Fingerhut to conduct a hard credit pull.Bluestem/Fingerhut only discovered they were unable to verify the applicant after they did a hard credit pullThey should have deduced this before attempting a hard credit pull, and they should have received written authorization (which I fail to see on the application copy I received.In addition, Bluestem's letter to you did not address the letter I received from Fingerhut that had an incorrect date (a month's difference) printed upon it, rendering it unusable in my personal fraud investigations with the police department and FTC.These are the main issues I am still concerned with, and I do not believe Bluestem/Fingerhut addressed these issues or even acknowledged themIt is also difficult for someone from the company to respond when they, themselves were not a part of any phone calls I made asking for more information or explaining my situation.Identity theft doesn't just hurt the victim, it also hurts the companies that fall prey to these criminalsThese measures I continue to express concern over are meant to assist consumers who may be in my position in the future and those who may have to deal with issues like this for the rest of their lives, as I will.Overview of my concerns with Bluestem/Fingerhut:The loss of my police report containing sensitive personal information (and now, the blaming of the customer for said loss)The hard credit pull when little to no adequate information was provided on the application, and where no written consent to conduct a hard credit pull was visibleIncorrectly dated letters, showing their lack of attention to detail when handling materials relating to identity theftI do not believe their response was satisfactory, and I would like assurance that my initial complaint in addition to my response to their letter to the Revdex.com are posted onto their Revdex.com account page, and I do believe rejection from the Revdex.com would be an appropriate course of actionTheir current Revdex.com profile shows that they have received positive reviews, neutral reviews and negative reviews with 2,complaints against them.I believe it would be in the Revdex.com's best interest to ban companies that fall this short, particularly Bluestem Brands, Incand its affiliated companiesThese organizations need to be held accountable when they have mishandled customers' information
CONFIDENTIAL COMMUNICATION July 13, 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 and Terms and Conditions Mr*** states that he had a late payment and agreed to pay what he owed including the late feeHe further states Fingerhut reported him late, causing his credit score to go down and that he was not notified that his account was past dueMr*** is requesting that Fingerhut remove the late payment reporting from all three credit bureaus Based on our research, the WebBank/Fingerhut credit account ending in *** was opened online September 14, with Mr***‘s personal identifiable informationAn order was placed over the phone on December 18, for a Marcy 100-lbECO Weight Set and a Marcy Flat/Decline Bench with Dumbell SetThe merchandise was delivered via UPS to the address provided on the credit application According to our records there were no payments received from April 25, through July 7, This resulted in a thirty day late being reported to the credit bureausA payment of $made on July 8, brought the account to a current statusAs a courtesy, we have credited a late fee of $that was applied to Mr***’s balance on July 13, which will be reflected on his next monthly statement Based on our research, Fingerhut sent notifications to Mr*** regarding the past due status of the account on April 8, 13, 18, 2016, June 8, 13, 18, and June 29, As of July 13, 2016, Mr***’s account is current with a remaining balance of $Mr***’s next statement, which will be generated on July 28, will reflect his updated balance and minimum payment due An account review on July 8, confirms Equifax and Experian, are accurately reporting the account as not more than two payments past due with a day past due for June TransUnion is reporting “Current” for the month of May and has not updated reporting for June which may take up to days. 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 we can be of further assistance, please contact our Customer Service Department at ###-###-#### Monday through Friday 8am to 8pm CST Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/sa Enclosures
CONFIDENTIAL COMMUNICATION August 10, 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 FreshStart Installment Loan accountWe have included a copy of the account activity and Terms and Conditions Mr*** states he paid his Fingerhut bill in full and it is not reporting as paid in full on his credit report. Mr*** is requesting a refund or the reporting on his account fixed Our records indicate, on October 8, 2014, an application was processed online using Mr***’ personally identifiable informationMr*** was approved for a Fingerhut FreshStart installment Loan account with a credit limit of $180.00. The account did not graduate to a Fingerhut revolving credit account and Mr*** was extended an offer to retry the FreshStart Installment Loan program On July 10, an order was placed online for a Bella Linea 12-Cup Programmable Coffeemaker, Orville Redenbacher by Presto Air Popper and an Elite Double Coil BurnerThe merchandise was shipped via UPS to the same address as provided on the application We received payments on this account from Visa debit card ending in *** and an American Express debit card ending in *** in the names of *** *** and *** *** respectively. The unpaid balance of $charged off on March 21, and the account was sold to *** *** *** on April 29, Once an account is sold Fingerhut no longer collects on the debt Our research indicates a payment was made online in the amount of $on June 4, after the account had been sold to *** *** ***. The payment was forwarded by Fingerhut to *** *** *** on June 6, Please note Fingerhut does not allow payments to be processed with representative after an account is soldIf a customer chooses to use the United States Postal Service and/or the internet to make a payment to Fingerhut on a sold account, those payments are expedited to the account owner An account review completed on August 4, confirms that Equifax, Experian and Trans Union are accurately reporting the account as Transfer /Sold or Purchased by Another Lender 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***’ 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/sa Enclosures
We are unable to give information to a third party regarding a customer's account without Power of Attorney Paperwork or a death certificateAttached is our response
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.Not all of the information is correctI do agree that the tried to contact meI did respond to their contacts but I now see that I failed to provide them with the proper informationI will act properly on this matter immediately
Full response attachedCONFIDENTIAL COMMUNICATION: Ms*** believes she is being billed for insurance that she did not sign up for, but we have listened to the recorded phone call where she is read the terms and conditions and agrees to itIt has been canceled but cannot be refunded since she
agreed to itMs*** may call the company at the number we provide if she would like to discuss it with them further
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 never received a reply from them asking if I would like a return label mailed to me or to contact themIt is possible they went in the spam folder howeverI would have said yes to a return label being mailed to meI certainly hope I didn't cause any problems for anyoneI just felt that I was mailed a seriously damaged product and then I was being ignored and expected to pay full price for itI will go to the Fingerhut website and see how to print a return labelI don't have a printer but a relative an hour away from me does and we visit them a couple of times a monthThank you for your help in this matter
Initial Business Response /* (1000, 5, 2016/03/10) */
CONFIDENTIAL COMMUNICATION
March 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 Advantage Credit Account
Our records indicate Ms*** contacted Fingerhut on February 29, to place an order using a catalog that was mailed on January 19, As stated in the Blue Pages of the catalog under Prices "Prices and rates are good for days from the mail date of a catalog"
We apologize but we are unable to honor the price of the crockpot that was offered in that catalog at this timeIf Ms*** would like to place an order we advise her to call *** or she may place her order online at www.Fingerhut.com
We apologize for any inconvenience this may have causedThank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Business Response /* (1000, 7, 2015/08/14) */
CONFIDENTIAL COMMUNICATION
August 13,
# ***
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
We have certain procedures in place to assist those who claim unauthorized activity on their accountMs***'s account was referred to our Credit Risk Department for further review as a result
Their records confirm that one of their representatives first spoke with and advised Ms*** regarding her claim on June 23, Ms*** stated to the phone agent that her then spouse ordered without her authorization the Simply Calphalon 14-piece Hard Anodized Cookware Set via the Fingerhut websiteAs her spouse did not have an account with us to transfer the balance to, the agent advised Ms*** that her best recourse was to file a police report for identity theft/unauthorized purchase activity or have the spouse fax a signed/dated statement assuming responsibility for the orders and the required payments owed on them
To date, we have no record of receiving either the faxed statement or police reportPlease understand that without a police report we will be unable to perform the necessary investigation and Ms*** will remain responsible for payment
While we sympathize with Ms***'s situation, we are applying the policy the same for her as we would for any customer with similar circumstancesTo expedite, Ms*** may fax a copy of the police report or a written statement from the spouse to ***, Attn: Andy or via regular mail to ***., StCloud, MN Once received, we will further investigate this matter
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 9, 2015/08/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
A charge was made on the account that wasn't authorized & my aterney faxed a letterSteve will not take responsibility for the chargeSince the company authorized the charge, and the order said "*** ***" & there is no *** *** on the accountIt was their mistake they need to reverse it whether it's $dollars or $
Final Consumer Response /* (2000, 34, 2015/10/29) */
Final Business Response /* (4000, 33, 2015/10/29) */
CONFIDENTIAL COMMUNICATION
October 29,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the further inquiry we received from your office on behalf of Ms*** ***
The notarized affidavit Ms*** provided has been deemed acceptable for the purposes required by the Credit Risk departmentThis completes their investigation, and the order in question has been marked as fraud
The related balance has been cleared and removed from Ms***'s account, and it reflects a $balance as a result and as of the date aboveAll interest charges that accrued on the order have been credited back to the account
All payments Ms*** made towards the order are being returned to her in the form of a refund check totaling $It is being sent regular mail to her address on file of ***NE, Keizer, OR 97303; she should allow to days from the date of this letter for it to arrive
To close the account, Ms*** should contact Customer Service at ***She is also assured that a "hold" still remains and will continue to remain on her accountIn the event she should want to again use it, she would need to contact the Credit Risk Department at *** in order to remove the holdTheir hours are Monday through Friday, 8:a.mto 4:p.mCentral Time
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
Initial Business Response /* (1000, 5, 2015/10/08) */
CONFIDENTIAL COMMUNICATION
October 2,
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
The account Mr*** *** is referring to does not reflect that he is the account-holderWhile we do have verbal authorization from the customer to speak with the spouse over the phone, we will be sending a letter directly to the customer regarding this matter in the interest of protecting customer privacy
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm
Initial Consumer Rebuttal /* (2000, 7, 2015/10/19) */
I am rejecting this response because:
I would like to know if FingerHut would drop all of the late charges and have the balance where it was before I was unable to continue the paymentsI will start my low payment of what is was beginning in July and receive my available! Credit back onto my account.Thanks*** L***I
CONFIDENTIAL COMMUNICATION August 1, Revdex.com of Minnesota Attn: *** *** S River Ridge Circle Burnsville, MN Re: *** *** Complaint # *** Dear Ms***, We are writing in response to an inquiry received from Ms***
*** regarding her order and shipping and return fees In Ms***’s complaint she states she placed an order with our company for four itemsShe was charged $for shipping and handling chargesWhen the items came they looked like they had been worn and returnedMs*** also states one item was not made of twill but was a heavy denimTo return the items, Ms*** would have to pay $for return shipping chargesShe is stating this will be a lost of $for items that were not new and not as describedMs*** is requesting a refund of $for these charges On July 15, 2017, Ms*** placed and order with our company by telephone for four itemsThe order total was $which was $for the merchandise and $for the shipping If Ms***’s wishes to return the merchandise her return label fee will be waived as a one time courtesyUnfortuately, the shipping and handling charge of $is nonrefundable If Ms*** has any additional questions or concerns, she may contact Customer Service at ###-###-####Their hours of operation are Monday-Friday 9:00am-9:00pm Eastern Time Thank you for allowing us to explainSincerely, Denise *** Executive Care Team
Initial Business Response /* (1000, 5, 2015/10/08) */
CONFIDENTIAL COMMUNICATION
October 7,
Revdex.com of Minnesota # ***
Attn: ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms
***,
I am writing in response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Per the Account Terms and Conditions to which Mr*** has agreed, "We may increase or reduce your credit limit, or suspend or terminate your Account at any time without causeWe will provide notice to you to the extent applicable by law." Any reduction, increase, or other change to the account's credit limit is the result of ongoing systematic monitoring of account activity dataThis information may pertain to the customer's Fingerhut Account as well as their credit history as a whole
Customers who show an overall strong performance with respect to credit may notice their Fingerhut Account has been given a credit line increase, either temporary or permanentBy placing an order or orders on their credit account during the time their temporary increase is in effect, the customer's regular credit limit is given a permanent increase matching the amount of the order(s), to a round dollar figureIf no orders are placed within the applicable timeframe, the temporary increase expires and the regular credit limit is restored
Our records indicate that a temporary increase of credit was issued on September 29, which brought Mr***'s credit limit to $
Mr*** is concerned the credit increases may lower his credit scoreUnfortunately, credit reporting agencies do not reveal the exact details and inner-workings of their scoring systemsWhat is known are the basic components and attributes of a credit file that are influential determinants of the overall credit ratingIf our temporary credit increase would have any impact in this regard, it would be in relation to the "credit utilization" (also known as debt-to-credit-limit ratio), which is the percentage of available credit that has been borrowed
While we feel this process does not have any long-term, unreasonable impact on our customers' credit ratings, we respect and accommodate customer requests to opt out of credit increasesMr***'s credit limit will be frozen at $Although we will not issue any further increases without his consent, we reserve the right to reduce Mr***'s credit limit if our ongoing credit review process warrants it
We trust this explanation will meet Mr***'s expectations, and would like to apologize for any confusion this may have caused him
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 6, 2015/10/08) */
I am rejecting this response because: The information is fraudulent
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 a second inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut credit account ending in ***We have included a copy of the previous response dated December 29, Ms*** states that her Fingerhut credit account was paid in full to *** ***l and Fingerhut is reporting incorrectly to the credit bureaus. Ms***’s desired resolution is to have the account marked as paid and a letter stating the account is paid As we stated in our previous response, on August 24, 2012, an application was processed online using Ms***’s personally identifiable informationOn April 19, 2013, an order was placed online for a Barberry Queen 9pc Comforter SetThe merchandise was shipped via FedEx to the same address as on the applicationThe most recent purchase, totaling $83.98, was placed on May 31, We have received multiple payments on this account from a checking account ending in *** shown in the name of *** ***The last payment, totaling $20.00, was received on November 7, The unpaid balance of $charged off on February 8, The account was sold to *** ***l on February 27, Fingerhut no longer collects or owns the account Since the account was sold to *** ***l, the payments made on March 4, 8, 13, 18, 25, and 27, and April 1, were received after the account was sold and have been forwarded to the account owner, *** ***l According to an account review completed on January 4, 2017, Equifax, Experian and Trans Union are accurately reporting the account as “Transfer/Sold” and/or “Purchased by Another Lender” with a balance of zero According to the letter included in Ms***’s rebuttal response it states in part, “*** *** *** *** received your payment on the above-referenced account in the amount of $on 06/29/This account will be considered paid in full upon non-reversal of funds.” Ms*** paid the account owner, *** *** *** ***, not Fingerhut. 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, she may 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 allowing us to explain Sincerely, Kari *** Executive Care Team KD/sa Enclosures
I am rejecting this response because:Fingergut needs to remove a ll them late fees from myb account trying make me pay for merchandise that was returned t o them I paid the bill what to been paid correct payment I knew whats t o been paid , cause I did not send in their request total dollars more than amount payment sent in Two llate fees they take off adjut my payment for returned merchandise removed from my account giving real balance whats owed I did not get purple shower curtain I ordered nby mistake sent A white one I returned never gave me refund for I want refund for that shower curtain A applied to my balance
Initial Business Response /* (1000, 5, 2015/08/21) */
CONFIDENTIAL COMMUNICATION
August 19,
Revdex.com of Minnesota #XXXXXXXXXX
Attn: *** ***
*** S*** *** ***
*** ** XXXXX
Re: Mr***
***
Case #: XXXXXXXX
Dear Ms***
We are writing in response to an inquiry received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut FreshStart AccountWe have included a statement of account activity, credit application, Terms and Conditions, and the Truth-In-Lending Agreement
In Mr***'s complaint, he states that he had agreed to make eight $paymentsMr*** further states that he was charged an extra $Mr***'s desired resolution is to receive a refund for the money paid above $or be given a $credit limit
Our records indicate that a Fingerhut FreshStart Installment Loan account was opened online April 5, when an order was placed with the $down payment for a Keurig MINI Plus Personal K-Cup Brewing System, a Royal Sheet Crosscut Shredder, a Year Service Plan, a Nifty K-Cup Roll Out Storage Drawer, and a second Year Service PlanOn April 6, 2014, the merchandise was shipped FedEx Home to the same address in Mr***'s complaint
We have received multiple payments from various MasterCard and Visa debit cardsThe name on the Visa debit card ending in is *** E***The last payment of $was made on July 06,
Please note that when an installment 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 receivedAdditionally, we may charge a late fee and interest charges will accrue on the balance owedOur Payment Department may phone our customers with payment reminders when a payment is not received by the due date
On June 29, 2015, Mr***'s account charged off with a balance of $and sold to *** on July 29,
Since Mr***'s account had charged off, the payments of $and $on June 2, and June 6, 2015, respectively have been forwarded to ***Please have Mr*** forward future payments to ***
If Mr*** has further questions, he may call *** directly at X-XXX-XXX-XXXX
Thank you for allowing us to explain
Sincerely,
Kari ***
***
KD/sjj
Enclosures
Initial Consumer Rebuttal /* (3000, 7, 2015/08/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did pay over $and really as long as you paying on something you not allowed to turn it over that a law I not gonna pay a dine to anyone but fingerhut so ya I paid like $on this never missed a payment of $
Final Business Response /* (4000, 12, 2015/09/10) */
***See attached document
RE: Mr*** ***
Case #: ***
Dear Ms***,
We are writing in response to a second inquiry received from your office on behalf of Mr*** ***
regarding a WebBank/Fingerhut FreshStart AccountWe have enclosed a statement of account
activity and monthly statements from February through June
In Mr***'s rebuttal complaint, he states that has already paid between $and $Mr***
goes on to state that, as long as he is paying something on his bill, his account cannot be soldMr
*** states that he will only pay Fingerhut and that he has never missed a payment
Following the last scheduled monthly installment payment date on December 27, 2014, our records
indicate that on the February 1, statement, all outstanding interest and late fees were added to
the minimum payment duePlease reference the Promise to Pay section of the terms and conditions
that were included in Mr***'s Welcome PacketIt states:
"You promise to pay the Principle Amount, which is the purchase price of the goods and services
you purchase from Fingerhut less your down payment to Fingerhut, plus interest on the unpaid
balance of your Loan at an Annual Percentage Rate of 24.9% (monthly periodical rate of
2.075%)
The actual finance charge you pay may exceed the Finance Charge disclosed in the Truth-in-
Lending Disclosure provided to you, if you make your payments later than the scheduled dates
or in less than the scheduled amountsYou may prepay all or any part of the amount due under
this Agreement at any time without penaltyA partial prepayment will not charge or defer your
next scheduled paymentAmounts outstanding following the last scheduled monthly installment
payment date (and any interest on such amounts) will be due in full one month after the last
scheduled monthly installment payment dateWe can apply your payments to outstanding Finance Charges, your unpaid Principal Amount, or any additional charges in our discretion, subject to applicable legal requirements."
Mr***'s payments totaling $that were received on February 2, 2015, February 7, 2015, and February 27, did not satisfy the remaining balance due of $due on the account February 27,
On the March 1, statement, the remaining balance was $
Mr*** had made four payments totaling $on March 2, 2015, two on March 11, 2015, and March 12,
On the April 1, statement, the remaining balance was $
Mr*** had made three payments totaling $on April 5, 2015, April 20, 2015, and April 27,
On the May 1, statement, the remaining balance was $
Mr*** had made six payments totaling $on May 3, 2015, May 5, 2015, and May 7, 2015, May 10, 2015, May 12, 2015, and May 30,
On the June 1, statement, the remaining balance was $
Please note that 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 receivedAdditionally, we may charge a late fee and interest charges will accrue on the balance owedOur Payment Department may phone our customers with payment reminders when a payment is not received by the due date
Mr***'s account charged off with an unpaid balance of $on June 29, and sold to *** on July 29,
If Mr*** has further questions, he may call *** directly at ***
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sjj
Enclosures
I am rejecting this response because: Attached is the letter stating that this account that is on my credit report as fingerhut has been paid in full *** ***l can not correct my credit report because they are not on it Fingerhut is and all monies was paid to Fingerhut. I just want it to be marked as paid and a letter from them also
I am rejecting this response because:Never once through all the corresponding did they mention an error was made in omitting the first two digits of my address, and as I explained the police report could not be filed since no crime was committedI spoke to a Deputy ***, who was a female officer, and she did not wish to give her bagde number and said they could reach her when calledThey have continued to give me the run sround, as well as go days without response
Full response attachedCONFIDENTIAL COMMUNICATION: Ms*** states that we have not yet refunded the down-payment she submitted with the order she placedOur records indicate we did not receive those down-payment funds because her bank would not submit them as ACH, so the attempt was reversed
If she can provide documentation that the funds were withdrawn and paid to us, we will continue to investigateShe should fax or mail that documentation to usBecause we did not receive the funds from that original order, we did not ship the second order, and it was canceledWithout a down-payment, it cannot be shippedWe apologize for any inconvenience this causes
I am rejecting this response because:
I have read the written response sent by Bluestem Brands, Incand Fingerhut regarding the complaint I submitted to the Revdex.com.I appreciate them following up with the information they providedIn fact, the details they provided you were the first I have seen from them and includes a lot more information than I have been privy to these last few months.I have asked Bluestem to notify me when a letter was to be sent to the credit bureaus, and I had not received notification at all until reading the letter you receivedTheir lack of follwith a consumer who is going through identity theft is troubling.In their letter, it states that I had only sent the first page of my police report, which is incorrectI made sure to send both pages (and took photos of the documents I sent before placing them in the envelope and mailing them)This is upsetting that Bluestem/Fingerhut seem to be placing blame on the customer for their own mishandling of private documents, which contain highly sensitive information involving a victim of identity theftThey lost my police report by failing to scan the second page into their systemWhen I called to inquire why they had not received my police report, the woman at Bluestem simply stated she couldn't find the scanned item in the systemI was the one who notified Bluestem they were only reviewing Page of of my police report, not the other way around as Bluestem's letter states.In addition, I had mailed them a copy of my identity theft report filed with the FTC which clearly states Fingerhut on itBluestem verbally confirmed they did have that completed report on file, but told me they could only initiate an account cancellation with a filed police reportPolice reports affect nothing when dealing with a federal crime, and just force the consumer to do even more work on their part when they are already dealing with the troubles that come with being an identity theft victim.I was not notified they had lost my police report -- I just received a subsequent (and incorrectly dated) letter in the mail asking for me to submit an initial police report and affidavit as if I had not already gone through the laborious process of doing soThese automated letters need to be adjusted or done away with, and customers need to receive better communication when they are working with a company that did not thoroughly vet an applicant before conducting a hard credit pull.That brings me to my biggest concern (which Bluestem failed to address in their letter at all): the hasty nature in which Bluestem/Fingerhut conducted a hard credit pull of my informationI received a copy of the application a week or so agoNot only is there an inadequate amount of information filled out on the application, but there is nothing on the application that shows that I (or better yet, the criminal) gave consent to Bluestem/Fingerhut to conduct a hard credit pull.Bluestem/Fingerhut only discovered they were unable to verify the applicant after they did a hard credit pullThey should have deduced this before attempting a hard credit pull, and they should have received written authorization (which I fail to see on the application copy I received.In addition, Bluestem's letter to you did not address the letter I received from Fingerhut that had an incorrect date (a month's difference) printed upon it, rendering it unusable in my personal fraud investigations with the police department and FTC.These are the main issues I am still concerned with, and I do not believe Bluestem/Fingerhut addressed these issues or even acknowledged themIt is also difficult for someone from the company to respond when they, themselves were not a part of any phone calls I made asking for more information or explaining my situation.Identity theft doesn't just hurt the victim, it also hurts the companies that fall prey to these criminalsThese measures I continue to express concern over are meant to assist consumers who may be in my position in the future and those who may have to deal with issues like this for the rest of their lives, as I will.Overview of my concerns with Bluestem/Fingerhut:The loss of my police report containing sensitive personal information (and now, the blaming of the customer for said loss)The hard credit pull when little to no adequate information was provided on the application, and where no written consent to conduct a hard credit pull was visibleIncorrectly dated letters, showing their lack of attention to detail when handling materials relating to identity theftI do not believe their response was satisfactory, and I would like assurance that my initial complaint in addition to my response to their letter to the Revdex.com are posted onto their Revdex.com account page, and I do believe rejection from the Revdex.com would be an appropriate course of actionTheir current Revdex.com profile shows that they have received positive reviews, neutral reviews and negative reviews with 2,complaints against them.I believe it would be in the Revdex.com's best interest to ban companies that fall this short, particularly Bluestem Brands, Incand its affiliated companiesThese organizations need to be held accountable when they have mishandled customers' information
CONFIDENTIAL COMMUNICATION July 13, 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 and Terms and Conditions Mr*** states that he had a late payment and agreed to pay what he owed including the late feeHe further states Fingerhut reported him late, causing his credit score to go down and that he was not notified that his account was past dueMr*** is requesting that Fingerhut remove the late payment reporting from all three credit bureaus Based on our research, the WebBank/Fingerhut credit account ending in *** was opened online September 14, with Mr***‘s personal identifiable informationAn order was placed over the phone on December 18, for a Marcy 100-lbECO Weight Set and a Marcy Flat/Decline Bench with Dumbell SetThe merchandise was delivered via UPS to the address provided on the credit application According to our records there were no payments received from April 25, through July 7, This resulted in a thirty day late being reported to the credit bureausA payment of $made on July 8, brought the account to a current statusAs a courtesy, we have credited a late fee of $that was applied to Mr***’s balance on July 13, which will be reflected on his next monthly statement Based on our research, Fingerhut sent notifications to Mr*** regarding the past due status of the account on April 8, 13, 18, 2016, June 8, 13, 18, and June 29, As of July 13, 2016, Mr***’s account is current with a remaining balance of $Mr***’s next statement, which will be generated on July 28, will reflect his updated balance and minimum payment due An account review on July 8, confirms Equifax and Experian, are accurately reporting the account as not more than two payments past due with a day past due for June TransUnion is reporting “Current” for the month of May and has not updated reporting for June which may take up to days. 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 we can be of further assistance, please contact our Customer Service Department at ###-###-#### Monday through Friday 8am to 8pm CST Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/sa Enclosures
CONFIDENTIAL COMMUNICATION August 10, 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 FreshStart Installment Loan accountWe have included a copy of the account activity and Terms and Conditions Mr*** states he paid his Fingerhut bill in full and it is not reporting as paid in full on his credit report. Mr*** is requesting a refund or the reporting on his account fixed Our records indicate, on October 8, 2014, an application was processed online using Mr***’ personally identifiable informationMr*** was approved for a Fingerhut FreshStart installment Loan account with a credit limit of $180.00. The account did not graduate to a Fingerhut revolving credit account and Mr*** was extended an offer to retry the FreshStart Installment Loan program On July 10, an order was placed online for a Bella Linea 12-Cup Programmable Coffeemaker, Orville Redenbacher by Presto Air Popper and an Elite Double Coil BurnerThe merchandise was shipped via UPS to the same address as provided on the application We received payments on this account from Visa debit card ending in *** and an American Express debit card ending in *** in the names of *** *** and *** *** respectively. The unpaid balance of $charged off on March 21, and the account was sold to *** *** *** on April 29, Once an account is sold Fingerhut no longer collects on the debt Our research indicates a payment was made online in the amount of $on June 4, after the account had been sold to *** *** ***. The payment was forwarded by Fingerhut to *** *** *** on June 6, Please note Fingerhut does not allow payments to be processed with representative after an account is soldIf a customer chooses to use the United States Postal Service and/or the internet to make a payment to Fingerhut on a sold account, those payments are expedited to the account owner An account review completed on August 4, confirms that Equifax, Experian and Trans Union are accurately reporting the account as Transfer /Sold or Purchased by Another Lender 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***’ 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/sa Enclosures
We are unable to give information to a third party regarding a customer's account without Power of Attorney Paperwork or a death certificateAttached is our response
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.Not all of the information is correctI do agree that the tried to contact meI did respond to their contacts but I now see that I failed to provide them with the proper informationI will act properly on this matter immediately
Full response attachedCONFIDENTIAL COMMUNICATION: Ms*** believes she is being billed for insurance that she did not sign up for, but we have listened to the recorded phone call where she is read the terms and conditions and agrees to itIt has been canceled but cannot be refunded since she
agreed to itMs*** may call the company at the number we provide if she would like to discuss it with them further
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 never received a reply from them asking if I would like a return label mailed to me or to contact themIt is possible they went in the spam folder howeverI would have said yes to a return label being mailed to meI certainly hope I didn't cause any problems for anyoneI just felt that I was mailed a seriously damaged product and then I was being ignored and expected to pay full price for itI will go to the Fingerhut website and see how to print a return labelI don't have a printer but a relative an hour away from me does and we visit them a couple of times a monthThank you for your help in this matter
Initial Business Response /* (1000, 5, 2016/03/10) */
CONFIDENTIAL COMMUNICATION
March 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 Advantage Credit Account
Our records indicate Ms*** contacted Fingerhut on February 29, to place an order using a catalog that was mailed on January 19, As stated in the Blue Pages of the catalog under Prices "Prices and rates are good for days from the mail date of a catalog"
We apologize but we are unable to honor the price of the crockpot that was offered in that catalog at this timeIf Ms*** would like to place an order we advise her to call *** or she may place her order online at www.Fingerhut.com
We apologize for any inconvenience this may have causedThank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Business Response /* (1000, 7, 2015/08/14) */
CONFIDENTIAL COMMUNICATION
August 13,
# ***
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
We have certain procedures in place to assist those who claim unauthorized activity on their accountMs***'s account was referred to our Credit Risk Department for further review as a result
Their records confirm that one of their representatives first spoke with and advised Ms*** regarding her claim on June 23, Ms*** stated to the phone agent that her then spouse ordered without her authorization the Simply Calphalon 14-piece Hard Anodized Cookware Set via the Fingerhut websiteAs her spouse did not have an account with us to transfer the balance to, the agent advised Ms*** that her best recourse was to file a police report for identity theft/unauthorized purchase activity or have the spouse fax a signed/dated statement assuming responsibility for the orders and the required payments owed on them
To date, we have no record of receiving either the faxed statement or police reportPlease understand that without a police report we will be unable to perform the necessary investigation and Ms*** will remain responsible for payment
While we sympathize with Ms***'s situation, we are applying the policy the same for her as we would for any customer with similar circumstancesTo expedite, Ms*** may fax a copy of the police report or a written statement from the spouse to ***, Attn: Andy or via regular mail to ***., StCloud, MN Once received, we will further investigate this matter
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 9, 2015/08/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
A charge was made on the account that wasn't authorized & my aterney faxed a letterSteve will not take responsibility for the chargeSince the company authorized the charge, and the order said "*** ***" & there is no *** *** on the accountIt was their mistake they need to reverse it whether it's $dollars or $
Final Consumer Response /* (2000, 34, 2015/10/29) */
Final Business Response /* (4000, 33, 2015/10/29) */
CONFIDENTIAL COMMUNICATION
October 29,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the further inquiry we received from your office on behalf of Ms*** ***
The notarized affidavit Ms*** provided has been deemed acceptable for the purposes required by the Credit Risk departmentThis completes their investigation, and the order in question has been marked as fraud
The related balance has been cleared and removed from Ms***'s account, and it reflects a $balance as a result and as of the date aboveAll interest charges that accrued on the order have been credited back to the account
All payments Ms*** made towards the order are being returned to her in the form of a refund check totaling $It is being sent regular mail to her address on file of ***NE, Keizer, OR 97303; she should allow to days from the date of this letter for it to arrive
To close the account, Ms*** should contact Customer Service at ***She is also assured that a "hold" still remains and will continue to remain on her accountIn the event she should want to again use it, she would need to contact the Credit Risk Department at *** in order to remove the holdTheir hours are Monday through Friday, 8:a.mto 4:p.mCentral Time
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah