CONFIDENTIAL COMMUNICATION July 29, 2016 Revdex.com of Minnesota ...⇄ #[redacted] Attn: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to a follow-up inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are an updated statement of account activity, the Terms and Conditions, and our response dated July 13, 2016. Mr. [redacted] states that he incurred a thirty day delinquency on his credit report because Fingerhut did not apply the automatic payments to his account as agreed. Mr. [redacted] 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 [redacted] was opened online September 14, 2015 with Mr. [redacted]‘s personal identifiable information. An order was placed over the phone on December 18, 2015 for a Marcy 100-lb. ECO Weight Set and a Marcy Flat/Decline Bench with Dumbell Set. The merchandise was delivered via UPS to the address provided on the credit application. Our records indicate that the electronic payments of $29.99 made on December 25, 2015 and January 25, 2016 were received after the due date of the 24th and caused two $27.00 late fees to be assessed on Mr. [redacted]’ balance for the December 2015 and January 2016 billing cycles. 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 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 January 25, 2016, Mr. [redacted] paid the minimum payment of $29.99 with a Fingerhut representative and set up automatic payments for $29.99 per month beginning February 24, 2016 to April 24, 2017. When Mr. [redacted]’ account cycled on January 28, 2016, the balance increased the minimum payment to $34.99. On March 11, 2016, a Fingerhut representative recognized the $29.99 monthly payment did not satisfy the minimum payment due and advised Mr. [redacted] to set up automatic payments based on the minimum payment due option to rectify the situation. Mr. [redacted] refused. No further payment schedules were set up. An individual payment of $68.98 was received on April 24, 2016 to bring the account current. As stated in our response dated July 13, 2016, no further payments were received until we received a $116.97 payment on July 8, 2016 to bring the account current. This resulted in a thirty day late being reported to the credit bureaus. Based on our research, Fingerhut sent notifications to Mr. [redacted] regarding the past due status of the account on April 8, 13, 18, 2016, June 8, 13, 18, 2016 and June 29, 2016. As stated in our initial response, we credited a $37.00 late fee on July 13, 2016. As of July 29, 2016, Mr. [redacted]’s account is current with a balance of $430.68 and past due of $0.00, with a minimum payment of $29.99 due August 24, 2016. An account review on July 27, 2016 confirms Equifax and Experian, are accurately reporting the account with a 30 day delinquency for June 2016. TransUnion is reporting “Current” for the month of May 2016 and has not updated reporting for June 2016. 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. If we can be of further assistance, please contact our Customer Service Department at ###-###-#### Monday through Friday 8am to 8pm Central Standard Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I checked my credit report and I am satisfied of the charge off I'm thankful to the Revdex.com because the interest would have continued to mount on this account. I currently see that the charge off amount of 150.00 is due. This is a lot less had I not brought it to your attention the interest and late fee's would have continued on. Thanks for solving my problem for me. I did recognize a statement that I don't recall them ever saying which was it was going to be applied for fee's when clearly I'd been paying on time so how could there have been any fee's due this company need's a close monitoring on their business handling of the customers accounts. I see them collecting lots of extra money in this manner. Thanks a lot.
(The consumer indicated he/she DID NOT accept the response from the business.)
[redacted]See attached documents.
I have seen no credit issued on my accounts for the $27.12 or $37.00 late fees which are not accurate and I consider to be false. If credit has been issued for these then I do not owe them. I have paid every bill each month on or before due date - my last payment for March was made/send out on March 15th with the due date being March 24th - I paid the amount due less the false late fees so my account should reflect that all payments are current and up to date once they post the payment to my account which normally for the last 3 years has taken 2-3 days for them to receive. Until they remove the fees from my account and show that I do not owe them and remove them from future payments I will not consider this response / action adequate. If they have credited my account then I simply to not woe those charges and they should not still be trying to collect them from me. If this continues on to being unresolved to my satisfaction I will contact an attorney and go forward from there with legal action against them. (FingerhutDocs.pdf)
I am rejecting this response because:They have not substantiated anything. Anyone can open an account online. Jefferson Capital (whom they supposedly sold the account to) cannot substantiate the account either.I will be filing a lawsuit.
CONFIDENTIAL COMMUNICATION August 5, 2016 Revdex.com of Minnesota ...
#[redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]- [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the complaint we received regarding a WebBank/Fingerhut Credit Account for Jeremy [redacted]. Mr. [redacted] states he received an Intex Easy Set Round Pool that was damaged and missing parts. Mr. [redacted] also states he is unable to package the pool back up to return it to us, as the item is quite large, and he does not have the original packaging. Our records indicate Mr. [redacted] placed this order on May 29, 2016. The order includes the Intex Easy Set Round Pool, an Intex Foot Bath for Pools, an Intext Adventurer Snorkel and Mask Set, an Intext Solar Heater Mat for Above-Ground Pools, a Water Balloon Launcher and an Ocean Reef Snapset Kid’s Pool. Mr. [redacted] contacted us on June 11, 2016 via email, advising he found a hole in the ring of the Intext Pool and that they needed to patch the pool before they could even use it. After multiple email exchanges between us and Mr. [redacted] regarding how he should package the pool to return it, we have made the decision to credit the pool, and are not requiring the return of it. Mr. [redacted]’s account has been credited in the amount of $404.63 for the pool. This amount includes the retail price of the item, tax and shipping and handling. During this time, Mr. [redacted]’s account balance included the purchase for the pool and the accessories, and had a payment of $59.99 due by July 15, 2016. We have not received a payment, and so Mr. [redacted]’s account was assessed a Late Fee of $37.00. Due to extenuating circumstances, we will issue credit for the late fee as a one-time exception. Mr. [redacted] will see these credits on his next billing statement, which will be produced on August 26, 2016. As of August 9, 2016, Mr. [redacted]’s balance is $444.61. There is a payment of $29.99 due on August 22, 2016. If Mr. [redacted] wishes to return the other items he purchased with the pool, he may do so using the pre-paid return label that was emailed to him on June 20, 2016. If Mr. [redacted] no longer has that email, we ask that he contact our customer service office to request one. We will be noting the account to ensure that return is accepted. Thank you for this opportunity to explain. Sincerely, Vi [redacted] Executive Care Team Fingerhut Customer Service
Revdex.com:I have already returned the first box and have not opened the second yet. I would like the mailing label for the second box sent to my email at k[redacted][email protected]. Otherwise I will take the unopened box to UPS and refuse package, having it returned to sender.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
CONFIDENTIAL COMMUNICATION April 20, 2016 ...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Per our Mobile Device Return Policy, only damaged or defective devices can be exchanged for an identical device on phones. Once shipped, mobile devices cannot be returned for credit. This information is found in our return policy as well as being listed directly under the description for this specific item. Customer Satisfaction is a top priority and while we sympathize with Ms. [redacted]’s situation, the policy is being applied the same for Ms. [redacted] as it would for any customer with similar circumstances. As stated previously, we cannot accept the return of the phone and no credit will be issued. Ms. [redacted] is responsible for the remaining balance on her account. On April 1, 2016 we revoked consent to call on the phone numbers currently associated with Ms. [redacted]’s account ###-###-#### per her request. Ms. [redacted] will no longer receive collection calls. As we have provided Ms. [redacted] with all the information available to us, we respectfully consider this matter closed. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
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 Ms. [redacted] regarding her WebBank/Fingerhut credit account ending in [redacted]. We have included a statement account activity statement and Terms and Conditions. Ms. [redacted] states Fingerhut placed her account with another company and that she paid off the account to Fingerhut. Ms. [redacted] further states that since she paid the account off through Fingerhut, [redacted]’s reporting should be removed. Ms. [redacted]’s desired resolution is to have both the Fingerhut and [redacted] trade lines removed from her credit reporting. According to our records the WebBank/Fingerhut credit account ending in [redacted] was opened online on February 7, 2012. An order was placed on April 1, 2012 online for an iTower iPod Speaker System. The merchandise was shipped via FedEx to the address on the application. The most recent order, totaling $459.96, was placed on September 21, 2014. Fingerhut has received multiple payments from a checking account ending in [redacted] shown in the name of [redacted]. The last payment of $47.97 was received on July 5, 2013. As there were no further payments received, the unpaid balance of $628.96 charged off on May 8, 2015 and the account was sold to [redacted] on May 29, 2015. Once an account is sold Fingerhut no longer owns or collects on the debt. Our records indicate there two were payments made online after the account was sold to [redacted]. Payments for $433.90 and $195.06 were made on June 27, 2015 and July 14, 2015 respectively. As Fingerhut no longer owned the account, these payments were forwarded to [redacted] the account owner. Please note Fingerhut does not allow payments to be processed with representative after an account is sold. If 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. 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. According to an account review on October 3, 2016, Equifax, Experian and Transunion are reporting the account accurately as Transfer/Sold or Purchased by Another Lender with a zero balance. 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 Ms. [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. If Ms. [redacted] has any additional questions regarding what [redacted] is reporting to the credit bureaus, she would need to contact [redacted] directly at ###-###-####. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa
CONFIDENTIAL COMMUNICATION July 7, 2017 Revdex.com of Minnesota �...⇄ #2490259498 Attn: Jesi [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted], Marsha Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office for Marsha [redacted]. Ms. [redacted] states in follow up: “I am not clear on why I am still responsible for a cancelled insurance policy through Affinion Group as of November and was informed by that company of no further responsibility to Fingerhut. They recommended that I should disregard the letters and Fingerhut was not even being billed any longer.” Please see the full response with complete details attached. Sincerely, Vi [redacted]Executive Care Team VF/ah
Initial Business Response /* (1000, 5, 2015/11/13) */
CONFIDENTIAL COMMUNICATION
November 13, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am...
writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Mr. [redacted] is a valued customer and we sincerely apologize for the difficulty he experienced as a result of the issue described in the inquiry. His report of having received unacceptable service is also regrettable, as all our agents are accountable to meet our professional standards.
Mr. [redacted]'s account reflects a purchase was made via the Fingerhut website on October 18, 2015 for a White Kitchen Island Cart. Please understand that some of our products ship directly from the vendor rather than a Fingerhut fulfillment center, and the kitchen cart was a vendor supplied item. In rare instances, there may be a delay in the coordination and communication processes involved in these shipments, and this appears to have been the case with this order.
The vendor confirmed they shipped the kitchen cart on November 5, 2015, as reflected by Pilot Freight Services tracking number 067015595. It also reflects the carrier delivered it to Mr. [redacted]'s address in Omaha, NE on November 10, 2015 at 4:42 p.m. Eastern Time.
We have applied a 50% discount to the shipping/handling charge as a courtesy for the inconvenience of the delay. This was issued to Mr. [redacted]'s account as a credit for $50, and it will reflect on a future monthly statement for his records.
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (2000, 7, 2015/11/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am rejecting this response because: I did not receive the product, I told there customer service rep I would pay because I felt I had no other choice and I thought it eventually was a mistake they corrected since I did not receive anything besides phone calls about how to pay my bill. I moved from [redacted] in June of 2014. I did not receive any product in that time. Also, there were teenagers living on the second floor of [redacted] and could of been stolen by one of them , so if your tracking is saying it was delivered but I never received anything I'm supposed to pay this debt because you have confirmation that you dropped the TV off on a porch without having any proper signature confirming the delivery? I must have had to sign something for the delivery guy and I never spoke to one so I don't know how thats confirmed. I then didnt receive any Phone calls from them when I moved and my number never changed, again I thought it was settled due to no contact with me and never receiving the product. I only just found out when the case got moved to get handle by another party and then received and phone call and then reached out to Revdex.com.
CONFIDENTIAL COMMUNICATION January 5, 2017 Revdex.com of...
Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]- [redacted], [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. In Ms. [redacted]’s inquiry she states she attempted to place orders that were not able to be processed. When Ms. [redacted] attempted to checkout it would repeatedly ask her to enter an email address even though she believed it was already on her account. Unfortunately, Ms. [redacted]’s email address was not attached to her account, and so orders were not able to be placed under Ms. [redacted]’s account via our website. We have made the correction to Ms. [redacted]’s account and have entered her email address. We recommend Ms. [redacted] clear her cache and cookies from her website browser before attempting to place a new order. We apologize that Ms. [redacted] was unable to place an order and receive the special offers associated with her products of interest. As a courtesy, we are sending the free Hat, Glove, and Scarf Set that Ms. [redacted] was not able to receive due to the order issues. We have also issued a $50.00 discount coupon to be sent via mail that she may use towards her next Fingerhut purchase. If Ms. [redacted] wants to use more than one promotion code in the future, she will need to place separate orders, as we only allow one promotion code per order. This information may be found in the promotion disclaimer. If Ms. [redacted] has any further questions or wishes to place an order by phone, she may contact us at ###-###-####, 24 hours a day, 7 days a week. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/RG
the customer , The Spiderman drone that I am calling about was purchased under my wife’s account [redacted] , but I am the one who placed the order with my wife present , she has already tried to file a complaint with finger but directly but has gotten no response ,So she asked me to take over the matter now we live in Georgia and since she is my wife there is no account confidentiality what is hers is mine and what is mine is hers .... you may call her directly if you wish her number is ###-###-#### how ever she is going to direct you to deal with me my number is(912) [redacted]
I am rejecting this response because the shoes were not put in at 30% off. They did extend the free shipping; however, I was charged $63.99 and not the agreed $44.79. This is not what was agreed on and calling Fingerhut customer care will get me nowhere.
2017 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted] – [redacted], [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. In Ms. [redacted]’s inquiry, she states that we removed funds from her checking account that she did not give permission for. Ms. [redacted] is looking for the money to be refunded to her. Our records indicate Ms. [redacted] set up a recurring payment schedule on March 9, 2016 with one of our customer service representatives. This schedule would pay the minimum amount due each month on the 3rd, and was set up to run from April 3, 2016 through March 3, 2017. On December 16, 2016, Ms. [redacted]’s payment was returned to us unpaid, as a result, we contacted her on December 18, 2016, and Ms. [redacted] scheduled a payment for $93.98 to be processed on January 5, 2017. During that same call, Ms. [redacted] agreed to a payment schedule starting February 5, 2017 and ending November 5, 2017, to pay $46.99 each month. Our records indicate Ms. [redacted] provided consent for all payments. When Ms. [redacted] contacted us on February 7, 2017, as a courtesy, the duplicated payment of $46.99 was requested to be cancelled. Ms. [redacted] was advised to allow 12 to 14 business days to have the payment reversed and applied to her account. On February 13, 2017 the payment of $46.99 was reversed. Ms. [redacted] should have seen this credit on her account in 4-10 business days from that date. The recurring payment that was created March 9, 2016 has been deactivated. Ms. [redacted]’s current balance is $731.20. Her next payment is for March 5, 2017 in the amount of $46.99. As stated above, there is an active payment schedule in place for that amount, from her conversation with our representative on December 18, 2016. If Ms. [redacted] has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:00 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted]Executive Care Team VF/AH
received numerous items that I ordered. However, as I stated before I did not receive the Madison Park Piedmont 7-piece Comforter set. I contacted fingerhut alerting them to this matter. I have email confirmation stating they received my affidavit. I sent the affidavit in the time allowed before expiration of refund. I haven't sent any thing new to fingerhut which proves they had the affidavit all along but never adjusted my bill accordingly. Before I started this dispute they never acknowledged they even received the affidavit. I was told each time I called that they never received an affidavit from me. All of a sudden it mysteriously appears but it's past the 60 days. No that's incorrect and I demand a refund immediately! The only thing this company is concerned about is getting paid. Stealing consumers money without providing proper service or product. It was in very bad taste to state my bill in the previous correspondence as that has nothing to do with not receiving my product. Im not sure of the title of the person that is responding to this dispute but I find a lot of the wording very disturbing and not corporate like. I have been hung up on many times by the phone representatives of this company, transferred to departments that had nothing to do with my concerns just to get me off the phone. I have an item here at my home right now that I have called repeatedly about for returning and I haven't received a return request yet and I'm pretty sure i'll have to start another dispute with the Revdex.com among other agencies to get that taken care of as well. I am again requesting a speedy refund for the item i never received.
CONFIDENTIAL COMMUNICATION
March 15, 2016 #[redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
...
Re: Case # [redacted] -[redacted], [redacted]
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
As the above referenced account is a revolving credit account, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the next. The interest is calculated based on the account's current Variable Annual Percentage Rate (APR) of 20.15%, and the monthly charges will vary in relation to increases or reductions in the account balance from month to month. New terms and conditions were sent to Ms. [redacted] regarding the increase in her APR on January 13, 2016. This information can also be found by going to www.gettington.com and clicking "terms and conditions" at the bottom of the homepage.
We currently do not offer a lower APR.
Thank you for allowing us to explain and assist.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
CONFIDENTIAL COMMUNICATION July 12, 2017 Revdex.com of...
Minnesota �...⇄ #[redacted] Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case #[redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry Ms. [redacted] filed with your office regarding her WebBank/Gettington Credit Account. Ms. [redacted] ordered an air conditioner that “worked for 2 days and then started to show error code E8,” and did not come with an owner’s manual so she called customer service for assistance. When the representative was unable to provide a phone number to the manufacturer or how to obtain the manual, she requested a supervisor, received a voicemail, left a message, but did not receive a callback. On June 13, 2017, she called and was transferred to a live supervisor, who she states was “condescending” and fell short in providing the necessary assistance. Ms. [redacted] requests a full refund of the shipping and interest charges, a discount on a future purchase, and for MasterCraft 8050 Window Air Conditioner to be recalled. Please see the attached document for the full, detailed response. Sincerely, Vi [redacted]Executive Care Team VF/ah
CONFIDENTIAL COMMUNICATION March 2, 2017 ...⇄ # [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 further inquiry we received from your office on behalf of Ms. [redacted] regarding a PayCheck Direct Account. Ms. [redacted] states it does not state refunds will be processed in the form of a mailed check. She would like to know why it took so long for her refund to process. PayCheck Direct’s policy is to mail a paper check if there is a credit balance on an account. On our website under Returns and Exchanges, it states, “We will issue credit to your account for the purchase price, less shipping and handling. A refund check will be mailed if you have a credit balance on your account.” We received a refund request in the letter we received from Ms. [redacted] on February 9, 2017. A check in the amount of $22.39 was mailed on February 22, 2017. Records indicate Ms. [redacted] was advised of the 14 day hold related to the ACH payment, and that it would take between 10 and 15 days after that date for the refund to be processed and mailed. If Ms. [redacted] has any additional questions she may contact PayCheck Direct Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ks
...⇄ # [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. Please see attached letter of response as it exceeds the 2,000 max character count.
CONFIDENTIAL COMMUNICATION July 29, 2016 Revdex.com of Minnesota ...⇄ #[redacted] Attn: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to a follow-up inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are an updated statement of account activity, the Terms and Conditions, and our response dated July 13, 2016. Mr. [redacted] states that he incurred a thirty day delinquency on his credit report because Fingerhut did not apply the automatic payments to his account as agreed. Mr. [redacted] 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 [redacted] was opened online September 14, 2015 with Mr. [redacted]‘s personal identifiable information. An order was placed over the phone on December 18, 2015 for a Marcy 100-lb. ECO Weight Set and a Marcy Flat/Decline Bench with Dumbell Set. The merchandise was delivered via UPS to the address provided on the credit application. Our records indicate that the electronic payments of $29.99 made on December 25, 2015 and January 25, 2016 were received after the due date of the 24th and caused two $27.00 late fees to be assessed on Mr. [redacted]’ balance for the December 2015 and January 2016 billing cycles. 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 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 January 25, 2016, Mr. [redacted] paid the minimum payment of $29.99 with a Fingerhut representative and set up automatic payments for $29.99 per month beginning February 24, 2016 to April 24, 2017. When Mr. [redacted]’ account cycled on January 28, 2016, the balance increased the minimum payment to $34.99. On March 11, 2016, a Fingerhut representative recognized the $29.99 monthly payment did not satisfy the minimum payment due and advised Mr. [redacted] to set up automatic payments based on the minimum payment due option to rectify the situation. Mr. [redacted] refused. No further payment schedules were set up. An individual payment of $68.98 was received on April 24, 2016 to bring the account current. As stated in our response dated July 13, 2016, no further payments were received until we received a $116.97 payment on July 8, 2016 to bring the account current. This resulted in a thirty day late being reported to the credit bureaus. Based on our research, Fingerhut sent notifications to Mr. [redacted] regarding the past due status of the account on April 8, 13, 18, 2016, June 8, 13, 18, 2016 and June 29, 2016. As stated in our initial response, we credited a $37.00 late fee on July 13, 2016. As of July 29, 2016, Mr. [redacted]’s account is current with a balance of $430.68 and past due of $0.00, with a minimum payment of $29.99 due August 24, 2016. An account review on July 27, 2016 confirms Equifax and Experian, are accurately reporting the account with a 30 day delinquency for June 2016. TransUnion is reporting “Current” for the month of May 2016 and has not updated reporting for June 2016. 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. If we can be of further assistance, please contact our Customer Service Department at ###-###-#### Monday through Friday 8am to 8pm Central Standard Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I checked my credit report and I am satisfied of the charge off I'm thankful to the Revdex.com because the interest would have continued to mount on this account. I currently see that the charge off amount of 150.00 is due. This is a lot less had I not brought it to your attention the interest and late fee's would have continued on. Thanks for solving my problem for me. I did recognize a statement that I don't recall them ever saying which was it was going to be applied for fee's when clearly I'd been paying on time so how could there have been any fee's due this company need's a close monitoring on their business handling of the customers accounts. I see them collecting lots of extra money in this manner. Thanks a lot.
(The consumer indicated he/she DID NOT accept the response from the business.)
[redacted]See attached documents.
I have seen no credit issued on my accounts for the $27.12 or $37.00 late fees which are not accurate and I consider to be false. If credit has been issued for these then I do not owe them. I have paid every bill each month on or before due date - my last payment for March was made/send out on March 15th with the due date being March 24th - I paid the amount due less the false late fees so my account should reflect that all payments are current and up to date once they post the payment to my account which normally for the last 3 years has taken 2-3 days for them to receive. Until they remove the fees from my account and show that I do not owe them and remove them from future payments I will not consider this response / action adequate. If they have credited my account then I simply to not woe those charges and they should not still be trying to collect them from me. If this continues on to being unresolved to my satisfaction I will contact an attorney and go forward from there with legal action against them. (FingerhutDocs.pdf)
I am rejecting this response because:They have not substantiated anything. Anyone can open an account online. Jefferson Capital (whom they supposedly sold the account to) cannot substantiate the account either.I will be filing a lawsuit.
CONFIDENTIAL COMMUNICATION August 5, 2016 Revdex.com of Minnesota ...
#[redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]- [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the complaint we received regarding a WebBank/Fingerhut Credit Account for Jeremy [redacted]. Mr. [redacted] states he received an Intex Easy Set Round Pool that was damaged and missing parts. Mr. [redacted] also states he is unable to package the pool back up to return it to us, as the item is quite large, and he does not have the original packaging. Our records indicate Mr. [redacted] placed this order on May 29, 2016. The order includes the Intex Easy Set Round Pool, an Intex Foot Bath for Pools, an Intext Adventurer Snorkel and Mask Set, an Intext Solar Heater Mat for Above-Ground Pools, a Water Balloon Launcher and an Ocean Reef Snapset Kid’s Pool. Mr. [redacted] contacted us on June 11, 2016 via email, advising he found a hole in the ring of the Intext Pool and that they needed to patch the pool before they could even use it. After multiple email exchanges between us and Mr. [redacted] regarding how he should package the pool to return it, we have made the decision to credit the pool, and are not requiring the return of it. Mr. [redacted]’s account has been credited in the amount of $404.63 for the pool. This amount includes the retail price of the item, tax and shipping and handling. During this time, Mr. [redacted]’s account balance included the purchase for the pool and the accessories, and had a payment of $59.99 due by July 15, 2016. We have not received a payment, and so Mr. [redacted]’s account was assessed a Late Fee of $37.00. Due to extenuating circumstances, we will issue credit for the late fee as a one-time exception. Mr. [redacted] will see these credits on his next billing statement, which will be produced on August 26, 2016. As of August 9, 2016, Mr. [redacted]’s balance is $444.61. There is a payment of $29.99 due on August 22, 2016. If Mr. [redacted] wishes to return the other items he purchased with the pool, he may do so using the pre-paid return label that was emailed to him on June 20, 2016. If Mr. [redacted] no longer has that email, we ask that he contact our customer service office to request one. We will be noting the account to ensure that return is accepted. Thank you for this opportunity to explain. Sincerely, Vi [redacted] Executive Care Team Fingerhut Customer Service
Revdex.com:I have already returned the first box and have not opened the second yet. I would like the mailing label for the second box sent to my email at k[redacted][email protected]. Otherwise I will take the unopened box to UPS and refuse package, having it returned to sender.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
CONFIDENTIAL COMMUNICATION April 20, 2016 ...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Per our Mobile Device Return Policy, only damaged or defective devices can be exchanged for an identical device on phones. Once shipped, mobile devices cannot be returned for credit. This information is found in our return policy as well as being listed directly under the description for this specific item. Customer Satisfaction is a top priority and while we sympathize with Ms. [redacted]’s situation, the policy is being applied the same for Ms. [redacted] as it would for any customer with similar circumstances. As stated previously, we cannot accept the return of the phone and no credit will be issued. Ms. [redacted] is responsible for the remaining balance on her account. On April 1, 2016 we revoked consent to call on the phone numbers currently associated with Ms. [redacted]’s account ###-###-#### per her request. Ms. [redacted] will no longer receive collection calls. As we have provided Ms. [redacted] with all the information available to us, we respectfully consider this matter closed. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
October 4, 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 Ms. [redacted] regarding her WebBank/Fingerhut credit account ending in [redacted]. We have included a statement account activity statement and Terms and Conditions. Ms. [redacted] states Fingerhut placed her account with another company and that she paid off the account to Fingerhut. Ms. [redacted] further states that since she paid the account off through Fingerhut, [redacted]’s reporting should be removed. Ms. [redacted]’s desired resolution is to have both the Fingerhut and [redacted] trade lines removed from her credit reporting. According to our records the WebBank/Fingerhut credit account ending in [redacted] was opened online on February 7, 2012. An order was placed on April 1, 2012 online for an iTower iPod Speaker System. The merchandise was shipped via FedEx to the address on the application. The most recent order, totaling $459.96, was placed on September 21, 2014. Fingerhut has received multiple payments from a checking account ending in [redacted] shown in the name of [redacted]. The last payment of $47.97 was received on July 5, 2013. As there were no further payments received, the unpaid balance of $628.96 charged off on May 8, 2015 and the account was sold to [redacted] on May 29, 2015. Once an account is sold Fingerhut no longer owns or collects on the debt. Our records indicate there two were payments made online after the account was sold to [redacted]. Payments for $433.90 and $195.06 were made on June 27, 2015 and July 14, 2015 respectively. As Fingerhut no longer owned the account, these payments were forwarded to [redacted] the account owner. Please note Fingerhut does not allow payments to be processed with representative after an account is sold. If 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. 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. According to an account review on October 3, 2016, Equifax, Experian and Transunion are reporting the account accurately as Transfer/Sold or Purchased by Another Lender with a zero balance. 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 Ms. [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. If Ms. [redacted] has any additional questions regarding what [redacted] is reporting to the credit bureaus, she would need to contact [redacted] directly at ###-###-####. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa
CONFIDENTIAL COMMUNICATION July 7, 2017 Revdex.com of Minnesota �...⇄ #2490259498 Attn: Jesi [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted], Marsha Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office for Marsha [redacted]. Ms. [redacted] states in follow up: “I am not clear on why I am still responsible for a cancelled insurance policy through Affinion Group as of November and was informed by that company of no further responsibility to Fingerhut. They recommended that I should disregard the letters and Fingerhut was not even being billed any longer.” Please see the full response with complete details attached. Sincerely, Vi [redacted]Executive Care Team VF/ah
Initial Business Response /* (1000, 5, 2015/11/13) */
CONFIDENTIAL COMMUNICATION
November 13, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am...
writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Mr. [redacted] is a valued customer and we sincerely apologize for the difficulty he experienced as a result of the issue described in the inquiry. His report of having received unacceptable service is also regrettable, as all our agents are accountable to meet our professional standards.
Mr. [redacted]'s account reflects a purchase was made via the Fingerhut website on October 18, 2015 for a White Kitchen Island Cart. Please understand that some of our products ship directly from the vendor rather than a Fingerhut fulfillment center, and the kitchen cart was a vendor supplied item. In rare instances, there may be a delay in the coordination and communication processes involved in these shipments, and this appears to have been the case with this order.
The vendor confirmed they shipped the kitchen cart on November 5, 2015, as reflected by Pilot Freight Services tracking number 067015595. It also reflects the carrier delivered it to Mr. [redacted]'s address in Omaha, NE on November 10, 2015 at 4:42 p.m. Eastern Time.
We have applied a 50% discount to the shipping/handling charge as a courtesy for the inconvenience of the delay. This was issued to Mr. [redacted]'s account as a credit for $50, and it will reflect on a future monthly statement for his records.
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (2000, 7, 2015/11/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am rejecting this response because: I did not receive the product, I told there customer service rep I would pay because I felt I had no other choice and I thought it eventually was a mistake they corrected since I did not receive anything besides phone calls about how to pay my bill. I moved from [redacted] in June of 2014. I did not receive any product in that time. Also, there were teenagers living on the second floor of [redacted] and could of been stolen by one of them , so if your tracking is saying it was delivered but I never received anything I'm supposed to pay this debt because you have confirmation that you dropped the TV off on a porch without having any proper signature confirming the delivery? I must have had to sign something for the delivery guy and I never spoke to one so I don't know how thats confirmed. I then didnt receive any Phone calls from them when I moved and my number never changed, again I thought it was settled due to no contact with me and never receiving the product. I only just found out when the case got moved to get handle by another party and then received and phone call and then reached out to Revdex.com.
CONFIDENTIAL COMMUNICATION January 5, 2017 Revdex.com of...
Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]- [redacted], [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. In Ms. [redacted]’s inquiry she states she attempted to place orders that were not able to be processed. When Ms. [redacted] attempted to checkout it would repeatedly ask her to enter an email address even though she believed it was already on her account. Unfortunately, Ms. [redacted]’s email address was not attached to her account, and so orders were not able to be placed under Ms. [redacted]’s account via our website. We have made the correction to Ms. [redacted]’s account and have entered her email address. We recommend Ms. [redacted] clear her cache and cookies from her website browser before attempting to place a new order. We apologize that Ms. [redacted] was unable to place an order and receive the special offers associated with her products of interest. As a courtesy, we are sending the free Hat, Glove, and Scarf Set that Ms. [redacted] was not able to receive due to the order issues. We have also issued a $50.00 discount coupon to be sent via mail that she may use towards her next Fingerhut purchase. If Ms. [redacted] wants to use more than one promotion code in the future, she will need to place separate orders, as we only allow one promotion code per order. This information may be found in the promotion disclaimer. If Ms. [redacted] has any further questions or wishes to place an order by phone, she may contact us at ###-###-####, 24 hours a day, 7 days a week. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/RG
I am rejecting this response because: I am...
the customer , The Spiderman drone that I am calling about was purchased under my wife’s account [redacted] , but I am the one who placed the order with my wife present , she has already tried to file a complaint with finger but directly but has gotten no response ,So she asked me to take over the matter now we live in Georgia and since she is my wife there is no account confidentiality what is hers is mine and what is mine is hers .... you may call her directly if you wish her number is ###-###-#### how ever she is going to direct you to deal with me my number is(912) [redacted]
I am rejecting this response because the shoes were not put in at 30% off. They did extend the free shipping; however, I was charged $63.99 and not the agreed $44.79. This is not what was agreed on and calling Fingerhut customer care will get me nowhere.
CONFIDENTIAL COMMUNICATION February 28,...
2017 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted] – [redacted], [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. In Ms. [redacted]’s inquiry, she states that we removed funds from her checking account that she did not give permission for. Ms. [redacted] is looking for the money to be refunded to her. Our records indicate Ms. [redacted] set up a recurring payment schedule on March 9, 2016 with one of our customer service representatives. This schedule would pay the minimum amount due each month on the 3rd, and was set up to run from April 3, 2016 through March 3, 2017. On December 16, 2016, Ms. [redacted]’s payment was returned to us unpaid, as a result, we contacted her on December 18, 2016, and Ms. [redacted] scheduled a payment for $93.98 to be processed on January 5, 2017. During that same call, Ms. [redacted] agreed to a payment schedule starting February 5, 2017 and ending November 5, 2017, to pay $46.99 each month. Our records indicate Ms. [redacted] provided consent for all payments. When Ms. [redacted] contacted us on February 7, 2017, as a courtesy, the duplicated payment of $46.99 was requested to be cancelled. Ms. [redacted] was advised to allow 12 to 14 business days to have the payment reversed and applied to her account. On February 13, 2017 the payment of $46.99 was reversed. Ms. [redacted] should have seen this credit on her account in 4-10 business days from that date. The recurring payment that was created March 9, 2016 has been deactivated. Ms. [redacted]’s current balance is $731.20. Her next payment is for March 5, 2017 in the amount of $46.99. As stated above, there is an active payment schedule in place for that amount, from her conversation with our representative on December 18, 2016. If Ms. [redacted] has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:00 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted]Executive Care Team VF/AH
I am rejecting this response because:
I...
received numerous items that I ordered. However, as I stated before I did not receive the Madison Park Piedmont 7-piece Comforter set. I contacted fingerhut alerting them to this matter. I have email confirmation stating they received my affidavit. I sent the affidavit in the time allowed before expiration of refund. I haven't sent any thing new to fingerhut which proves they had the affidavit all along but never adjusted my bill accordingly. Before I started this dispute they never acknowledged they even received the affidavit. I was told each time I called that they never received an affidavit from me. All of a sudden it mysteriously appears but it's past the 60 days. No that's incorrect and I demand a refund immediately! The only thing this company is concerned about is getting paid. Stealing consumers money without providing proper service or product. It was in very bad taste to state my bill in the previous correspondence as that has nothing to do with not receiving my product. Im not sure of the title of the person that is responding to this dispute but I find a lot of the wording very disturbing and not corporate like. I have been hung up on many times by the phone representatives of this company, transferred to departments that had nothing to do with my concerns just to get me off the phone. I have an item here at my home right now that I have called repeatedly about for returning and I haven't received a return request yet and I'm pretty sure i'll have to start another dispute with the Revdex.com among other agencies to get that taken care of as well. I am again requesting a speedy refund for the item i never received.
CONFIDENTIAL COMMUNICATION
March 15, 2016 #[redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
...
Re: Case # [redacted] -[redacted], [redacted]
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
As the above referenced account is a revolving credit account, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the next. The interest is calculated based on the account's current Variable Annual Percentage Rate (APR) of 20.15%, and the monthly charges will vary in relation to increases or reductions in the account balance from month to month. New terms and conditions were sent to Ms. [redacted] regarding the increase in her APR on January 13, 2016. This information can also be found by going to www.gettington.com and clicking "terms and conditions" at the bottom of the homepage.
We currently do not offer a lower APR.
Thank you for allowing us to explain and assist.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
CONFIDENTIAL COMMUNICATION July 12, 2017 Revdex.com of...
Minnesota �...⇄ #[redacted] Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case #[redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry Ms. [redacted] filed with your office regarding her WebBank/Gettington Credit Account. Ms. [redacted] ordered an air conditioner that “worked for 2 days and then started to show error code E8,” and did not come with an owner’s manual so she called customer service for assistance. When the representative was unable to provide a phone number to the manufacturer or how to obtain the manual, she requested a supervisor, received a voicemail, left a message, but did not receive a callback. On June 13, 2017, she called and was transferred to a live supervisor, who she states was “condescending” and fell short in providing the necessary assistance. Ms. [redacted] requests a full refund of the shipping and interest charges, a discount on a future purchase, and for MasterCraft 8050 Window Air Conditioner to be recalled. Please see the attached document for the full, detailed response. Sincerely, Vi [redacted]Executive Care Team VF/ah
CONFIDENTIAL COMMUNICATION March 2, 2017 ...⇄ # [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 further inquiry we received from your office on behalf of Ms. [redacted] regarding a PayCheck Direct Account. Ms. [redacted] states it does not state refunds will be processed in the form of a mailed check. She would like to know why it took so long for her refund to process. PayCheck Direct’s policy is to mail a paper check if there is a credit balance on an account. On our website under Returns and Exchanges, it states, “We will issue credit to your account for the purchase price, less shipping and handling. A refund check will be mailed if you have a credit balance on your account.” We received a refund request in the letter we received from Ms. [redacted] on February 9, 2017. A check in the amount of $22.39 was mailed on February 22, 2017. Records indicate Ms. [redacted] was advised of the 14 day hold related to the ACH payment, and that it would take between 10 and 15 days after that date for the refund to be processed and mailed. If Ms. [redacted] has any additional questions she may contact PayCheck Direct Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ks
CONFIDENTIAL COMMUNICATION May 25, 2017...
...⇄ # [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. Please see attached letter of response as it exceeds the 2,000 max character count.