Full response attached. CONFIDENTIAL COMMUNICATION: Ms. [redacted] states that she has completed the FreshStart program successfully and should be eligible for a revolving account with a higher credit limit and no down-payment requirement. Our records indicate Ms. [redacted] had a late payment in July...
of 2016 which means she did not successfully complete the program. She may retry the program if she wishes.
CONFIDENTIAL COMMUNICATION May 1, 2017 Revdex.com of...
Minnesota �...⇄ Attn: Ms. [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut credit account in the name of [redacted]. Mr. [redacted] states that he notified Fingerhut that Mr. [redacted] had passed on December 27, 2016. Mr. [redacted] goes on to state that he continues to receive statements and phone calls regarding Mr. [redacted]’s account. Mr. [redacted]’s desired resolution is to have no further contact regarding Mr. [redacted]’s account. Our records indicate that Fingerhut may have been sending correspondence to an address associated with Mr. [redacted] Fingerhut credit account [redacted]. Based on our research, we were unable to locate any record of Fingerhut reaching out to Mr. [redacted], at any of the phone numbers currently associated with his account, regarding Mr. [redacted]’s account. We empathize and express our condolences in regards to Mr. [redacted]’s situation, however as we do not show Mr. [redacted] as a power of attorney for Mr. [redacted] we unable to confirm any information regarding Mr. [redacted]’s account. If Mr. [redacted] has any further concerns, he may contact the Fingerhut Executive Care Team at ###-###-####. Their hours are Monday – Friday 8:00am – 4:30pm Central Standard Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] states she purchased a computer with a warranty from Fingerhut in April that is no longer working. She contacted Dell to have the computer repaired and it only worked for a brief period. She would like to have the computer replaced being she is still paying for the item. Our records indicate Ms. [redacted] purchased a Dell Inspiron 23.8" Full HD Windows 10 All-in-One Desktop Computer with a 2 Year Service Plan on April 9, 2016. On August 4, 2016 Ms. [redacted] contacted Fingerhut stating the computer she purchased was no longer working properly. Ms. [redacted] was advised all product concerns would need to be handled by the manufacturer, Dell, as the merchandise was still covered under Dell’s manufacturer warranty. Ms. [redacted] contacted Fingerhut on August 8, 2016 stating Dell had tried to fix the computer, but it was still not working properly. As a goodwill gesture to Ms. [redacted] we will be shipping her a new Dell Inspiron 23.8" Full HD Windows 10 All-in-One Desktop Computer. This order was placed on August 24, 2016 and has an expected delivery date of September 2, 2016. For future reference Ms. [redacted] should be aware of our return policy which states: “We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are nonrefundable. Computers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only.” If Ms. [redacted] has any further questions she may contact Fingerhut 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
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.Respects,Mrs. L. [redacted]
CONFIDENTIAL COMMUNICATION March 22, 2018 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case #[redacted] – [redacted] Dear Mr. [redacted], I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut FreshStart Account for Mr. [redacted]. Mr. [redacted] indicates the down payment made on a failed order was drafted from his debit card, and he has proof of this. He states his request for a refund was denied, as he was told the down payment was never taken. Mr. [redacted] requests either the refund, that his order be placed or some other fair settlement/credit, etc. We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, we have attached our response for the consumer to review. Sincerely, Vi [redacted]Executive Care TeamVF/ah
Initial Business Response /* (1000, 7, 2016/02/17) */
CONFIDENTIAL COMMUNICATION
February 16, 2016
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms....
[redacted],
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate Ms. [redacted] purchased a Kathy Ireland Microfiber Sherpa 3-Pc. Comforter Set - King for $62.99 plus $19.99 shipping and handling and an Ultra-Soft 4-Pc. Modern Sheet Set - Cal. King for $49.99 plus $9.99 shipping and handling on January 27, 2016.
At the time of purchase Ms. [redacted] did not enter a promotional code for free shipping or the discount price of the comforter. Ms. [redacted] contacted Fingerhut on February 4, 2016 to redeem a promotional code for this purchase. At that time she was unable to provide the promotional code. As a one time courtesy to Ms. [redacted] $20.00 was credited for the shipping/handling on February 4, 2016.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 9, 2016/02/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I've received their response and don't agree. They said Kathy comf. was $62.99 plus $19.99 shipping. I order online said was $48.99 free shipping, that's why I ordered. I was charged $112.96 for comf. plus $29.98 shipping. They said sheet set was $49.99 plus $9.99 shipping. I was charged $59.98 for sheet set, $9.99 shipping. During our conversation on 2/4/16 they said the comf. was anywhere between $48.99-$62.99. I told them that the can't set different prices. They said they would get me$10.000credit, when I said I was contacting the Revdex.com, they said they would credit me $20.00. I want my account suspended, not interest, no fees, I just want to pay it off. This company is so discepctive, I want no part of it. I want to pay my fair share and close my account and tell anybody not to do business with this company.
Final Consumer Response /* (3000, 15, 2016/02/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Finger Hut keeps saying I bought comforter for $62.99, plus $19.99 shipping. I bought online said was $52.99 plus free shipping. I called to complain , they said comforter was between $48.99-$62.99. I said they can't change the price. They credit me $10.00, then $20.00 when I said I was contacting Revdex.com. I didn't tell Finger Hut to close my account. I suggested to Revdex.com to suspend my account and no fees, or interest to resolve this account. I am a good customer paid $50.00 on 2/21/2016, $20.00 more then was a min. balance. My spouse just received notice that he is part of a class action suit against this company. I got the Revdex.com involved and paid account and closed account. I want Finger Hut to keep their word. They had comforter $52.99 free shipping. Then when I complained they change the price from anywhere from $48.99 - $62.99. I said you can't do that. That's the only reason they credited me, it was $10.00 than $20.00, not the full $29.98 they owe. I want my account left open, until I say close it. I am a good customer, I have a $800. plus credit. If we can't get to an agreement, then I want the Revdex.com to close my account, with no interest, no fees, etc. Thank You for letting me explain my half.
Final Business Response /* (4000, 17, 2016/03/04) */
CONFIDENTIAL COMMUNICATION
March 4, 2016
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
As stated previously, the comforter set Ms. [redacted] purchased on January 27, 2016 was $62.99 plus $19.99 shipping and handling. The sheet set she purchased on that same date was $49.99 plus $9.99 shipping and handling.
Ms. [redacted] claims the price of the comforter online was $52.99 with free shipping/handling. At the time of purchase, Ms. [redacted] did not enter a promotional code for either free shipping or the discount price of the comforter.
As a courtesy to Ms. [redacted] on February 4, 2016 we credited $20.00 for this purchase.
Per Ms. [redacted]'s request, her account was closed on February 23, 2016. At this time her account has a balance of $386.93. The outstanding balance will continue to accrue interest and other charges and be subject to the terms and conditions of the Agreement. If Ms. [redacted] would like her account re opened, her account will need to be paid in full. At that time she can complete the application process again.
In regards to the class action lawsuit, instructions for members of the Settlement Class are included in the Class Notice and Claim Form. For further questions on this matter, Ms. [redacted] may contact the Claims Administrator at [redacted]. Additionally, she may find information about the settlement www.BluestemTCPASettlement.com.
At this time we have provided Ms. [redacted] with all information in regards to her complaint. Fingerhut considers this matter closed.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
CONFIDENTIAL COMMUNICATION May 27, 2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] has stated she is rejecting our previous response due to the fact the Dell Inspiron 15.6" HD 4GB Windows 10 Laptop Computer was defective and not used very often. Ms. [redacted] is once more requesting a refund and insists that she returned it to us within the 90 day timeframe. She has indicated that she is disappointed in the customer service she received, specifically that we did not call her about the issue. Please understand, our return policy states that computers have to be returned within the 30-day home trial period. This applies to both credit and exchange. Ms. [redacted] placed the order for the laptop computer on March 5, 2016 and it was returned to us in the mail stream on April 26, 2016 (and the return was processed on April 28, 2016). Consequently, we are unable to make an exception to our thirty day return policy by accepting the computer as a return. We were not contacted by Ms. [redacted] prior to April 26, 2016 when the computer was returned to us. While we sympathize with Ms. [redacted]’ situation, we are bound by our company’s policies and procedures. Our return policy is as follows: We will exchange your product or give you a refund for most items returned in new condition within 30 days after date of purchase. Returns will not be accepted for credit after 90 days. If you have any problems with a product, please check the manufacturer’s warranty. Fingerhut provides a convenient prepaid return label service for most products. You can visit our Returns Center in the My Account area of the website to print a new return label at Fingerhut.com or contact Customer Service. Pre-paid return labels are not available for truck-ship items, oversized items, or Fingerhut FreshStart accounts. Contact Customer Service for help with your return. Music, movies, video games and software have to be returned unopened (factory sealed). Exchanges are for exact same item only. Computers, tablets, e-readers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators have to be returned within the 30-day home trial period. We are sorry to hear that Ms. [redacted] has been disappointed with our customer service. 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]’ expectations. Again, we ask that Ms. [redacted] please refer to the manufacturer’s information received with her product and contact them to report the problem. The contact number for Dell is ###-###-####, representatives are available Monday-Friday 8 am - 9 pm. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/jm
CONFIDENTIAL COMMUNICATION April 28, 2016 Revdex.com of...
Minnesota �...⇄ # [redacted] 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. Our records indicate Ms. [redacted] purchased an Anna Coffee Table on February 27, 2016. On March 11, 2016 Ms. [redacted] contacted Fingerhut stating the instruction manual and table legs were missing. A request was sent to the vendor to mail out the missing parts and instruction manual to Ms. [redacted]. Ms. [redacted] contacted Fingerhut on March 29, 2016 indicating she still had not received the missing parts or instruction manual. Ms. [redacted] was informed to allow more time for the parts to arrive. Ms. [redacted] contacted Fingerhut several more times between March 29, 2016 and April 22, 2016 indicating she still had not received the instruction manual or missing parts. On April 22, 2016 a prepaid label was sent to Ms. [redacted] to return the table for a full refund. A representative from the Executive Care Team contacted Ms. [redacted] on April 28, 2016 confirming she had returned the table and explained a full refund will be issued once received. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ca
November 2017 payment was "NOT" 30 days late to Fingerhut. Payment was due November 9TH and the payment was made on November 26TH. That does not make it late. I have a statement from Fingerhut that shows none of my payments were ever 30 days late.
Initial Business Response /* (1000, 5, 2015/10/29) */
CONFIDENTIAL COMMUNICATION
October 29, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms....
[redacted],
I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate on September 30, 2015 Mr. [redacted] purchased an alcove Fast Dry 10-Pc. Towel Set, Cuisinart 2 Speed Hand Blender, Stetson Fresh Cologne Spray, Grey Flannel 2 Oz. EDT Spray by Geoffrey Beene, Men's Blue Jeans EDT Spray by Versace, and Mens FCUK 3 by French Connection EDT spray.
We received the return of the Grey Flannel 2 Oz. EDT Spray by Geoffrey Beene, Men's Blue Jeans EDT Spray by Versace, and the Mens FCUK 3 by French Connection EDT spray. A credit of $93.00 was issued to Mr. [redacted]'s account for the full merchandise price, but out return policy states, "the original shipping/handling is nonrefundable on return merchandise if the item is not damaged, defective, or in the case of a shipping error." Mr. [redacted] was required to pay for the original shipping/handling of $30.97 for the items.
On October 25, 2015 a letter was sent to Mr. [redacted]'s mailing address. This letter explains the return and to allow 48 hours to see the credit on his fingerhut.com account and to allow up to two billing cycles to show the credit on his mailed billing statements.
We apologize for any confusion this may have caused Mr. [redacted].
At this time Mr. [redacted]'s account balance is $215.74. A minimum payment of $23.99 is due by November 15, 2015. To make payment arrangements we ask Mr. [redacted] contacts our Payment Department at[redacted] Monday through Friday 7AM to 9PM.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 7, 2015/10/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As an Executive, you have failed to stick to the complaint of what exactly is being complained about.
Also, you failed to mention that there were 2 separate orders. SHIPPING charged on order#1 (towels and mixer) and shipping charged on order#2 - 4 separate bottles of cologne that were shipped in 4 separate shipments - TO MAKE MONEY!
I didn't complain about order#1. Which included towels and a mixer. But you seem to not be professionally apt of addressing the main concern - AND ONLY THAT!
And they are all still boxed never opened. I think I will call UPS and return those too. I don't want anything from you anymore!
Fingerhut needs to credit the shipping charges for
each item that was returned! Since the shopping is added to each of the SEPARATE cologne shipments. 3 were returned and 3 needs to have the appropriate shipping charges credited immediately!
I'm not going to pay for something that was returned via UPS. I di not have the product and you are charging and sending erroneous credit balances to the CRA's.
This is a scam and the MN AG will be the next step, trust and believe me. Fingethut will re-sell those 3 bottles of cologne and charge another customer shipping charges.
I'm not sure why dealing with this company is such a pain. But this is unacceptable. You're telling me that if I had not filed this complaint, that I would have been erroneously charges for items that were returned?
I thought that this relationship would result in a positive outcome, but over the past year I see it ha not. I want Fingerhut to IMMEDIATELY CEASE all shipments of any catalogs to my place of residence.
Once this account is paid off-you're no longer needed! You're running a scam!
I will NEVER order another item from this company.
You're inability to professionally resolve this situation with integrity and competence will be the downfall of your position.
Final Business Response /* (4000, 9, 2015/11/05) */
CONFIDENTIAL COMMUNICATION
November 3, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
As we have stated in previous correspondence, per our return policy, the original shipping/handling is nonrefundable unless the merchandise is damaged, defective, or in the case of a shipping error. The original shipping/handling Mr. [redacted] is responsible for is $30.97.
We have received Mr. [redacted]'s request to opt out of future mailings from Fingerhut. We have updated our records and removed Mr. [redacted] from the mailing list, but because out catalogs are printed in advance, Mr. [redacted] should allow 6 to 8 weeks for this request to process.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337Re: Case # [redacted] – [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. Enclosed are a statement of account activity, credit application, Terms and Conditions, and an unordered merchandise affidavit.Mr. [redacted] states that he found a fraudulent account with Fingerhut on his credit report that has been charged to its limit but no one had made payments. Mr. [redacted] states he contacted Fingerhut and informed them it was fraud but was told the account had been sold to a debt collector. When Mr. [redacted] contacted the debt collector he was told there was a judgment against him. Mr. [redacted] states he never applied for a Fingerhut account and was never sent correspondence from Fingerhut or the collection agency. Mr. [redacted] would like the account removed from his credit report. Our records indicate that the account was opened in Mr. [redacted]’s name via the web on June 21, 2012 using Mr. [redacted]’s personal information. An order was placed on June 24, 2012 for a Fujifilm FinePix 14MP/24X Digital Camera Package and delivered to [redacted] Fair Haven, NJ 07704.We did not receive any payments on this account. Our records indicate that due to severe delinquency, Mr. [redacted]’s WebBank/Fingerhut Advantage Credit Account was charged off on April 5, 2013 with a balance of $408.42 and sold to [redacted] on May 3, 2013.Unauthorized account set-up and activity is a serious matter, and we have certain procedures in place to assist those making this type of claim. As Mr. [redacted] denies authorizing the account matching his name, we referred this matter to our Credit Risk Department for further review and they have determined that the billing and shipping address for the order listed above was the same address as on the application and was in fact associated with Mr. [redacted] at the time the order was placed. Additionally the phone number on the application was also associated with Mr. [redacted]. With this information, we are not able to sufficiently prove a fraudulent account set up. If Mr. [redacted] would like to pursue the matter further, he may complete an affidavit of unordered merchandise. We have submitted this document with our response. We would also need a copy of a police report filing the claim of identity theft.As we understand the severity and urgency of this situation, Mr. [redacted] may fax the completed affidavit and related police report to ###-###-####, Attn: Chris. Once received, we can further investigate this matter. Thank you for allowing us to explain.Sincerely,Vi [redacted]Executive Care TeamVF/ca [redacted]
...⇄ # [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 inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate an order was placed on April 4, 2016 for the New Balance Men’s 411V2 Walking Shoe Wide Size 11. We sincerely apologize Mr. [redacted] has experienced this inconvenience regarding the problem with the shoes. We are able to offer a replacement order for the shoes prior to receiving the return of the defective shoes, however, we cannot send the order without charging Mr. [redacted]’s account. Mr. [redacted] received a postage paid return label with the order for the shoes. If we place a new order on his account, upon receipt of the new order Mr. [redacted] may return the defective shoes immediately. Please understand returns may take up to 10 days to be received and processed. Mr. [redacted]’s monthly statement will cycle on May 17, 2016. If the new order is placed prior to the cycle date, Mr. [redacted]’s minimum payment would only change for one to two billing cycles depending on when the return is received. If Mr. [redacted] would like to place the order he may contact our order line at ###-###-####, 7 days a week, 24 hours a day. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
...⇄ # [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 inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Mr. [redacted]’s inquiry he indicated the catalog he was ordering from offered a ShelterLogic 10’ x 20’ 6 Legged Canopy for $49.99. When he attempted to order the item, the agent advised him the item was $199.99 and that the price needed to be verified. Mr. [redacted] contacted us the next day and states he was advised it could take another 48 hours to verify the information. Mr. [redacted] states he closed his account and cancelled the order. Our records indicate Mr. [redacted] contacted us on June 22, 2016 regarding the pricing issue for the canopy. Mr [redacted] requested to speak with a supervisor and the agent transferred Mr. [redacted] to a supervisor per his request. The supervisor referred Mr. [redacted]’s concerns to our merchandising team for further research. Due to the difference in pricing the order was not placed. Mr. [redacted] contacted us on June 23, 2016 and again requested to speak with a supervisor. The agent transferred Mr. [redacted] to a supervisor. The supervisor advised Mr. [redacted] that we were still researching the price difference. Mr. [redacted] stated that 24 hours should be enough time for our research to be completed and requested his account to be closed. The supervisor closed the account per Mr [redacted]’s request. A supervisor also attempted to contact Mr. [redacted] two additional times on June 23, 2016 with updates regarding the pricing difference. The supervisor left a message each time for Mr. [redacted] advising him that the price in the catalog was an error and that we were waiting for further details on the issue and for Mr. [redacted] to contact us for further assistance. We have no record of Mr. [redacted] contacting us in response to these messages. In our catalogs, under the Customer Service Information located with the order form is a section titled “Errors” and is as follows: Although we make every effort to ensure accuracy of our information, occasional descriptive or typographical errors may occur. Per our merchandising team, we will honor the pricing difference from $199.99 to $49.99 as a courtesy, if Mr. [redacted] would still like to order the canopy. Since Mr. [redacted] closed his Fingerhut Advantage Credit Account he may use a MasterCard, Visa, American Express or Discover to place the order by contacting our Customer Service Department at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Please understand the full amount of $199.99 plus any applicable sales tax and/or shipping and handling will be charged initially, however, once the order starts processing, we will issue a credit for $150.00. Once the credit has been issued in our system, Mr. [redacted] should allow 3-5 business days for the credit to be reflected on his credit card. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION August 5, 2016 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 we received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Advantage Credit Account payment history. Ms. [redacted] disputes that her account had been 33 days delinquent—as was reported by us to the credit bureaus—because she states her “payments were consistently made,” Ms. [redacted]’s proposed satisfactory resolution would be to refunded her part of the payment for her car seat in consideration of this error. Our records confirm that Ms. [redacted]’s balance was paid in full with her $212.38 payment received on July 16, 2016. That balance was entirely related to her March 6, 2016 order of a Graco Nautilus 3-in-1 Car Seat. Records show we received on-time payments from Ms. [redacted] until her June 9, 2016 due date when no payment was received. Ms. [redacted]’s monthly statement for her billing cycle ending June 13, 2016 was sent on the same date to the email on file of [redacted]@gmail. It reflected a minimum payment due of $32.98 by July 9, 2016 as it included the $14.99 still owing from June plus July’s new amount due of $17.99. Records show we received Ms. [redacted]’s $32.98 payment on June 13, 2016, however as stated above, the 13th is the billing cycle close date. Please be advised that the closing date is the final day within the billing cycle, and payments received on that date are applied to the payment due that month—not the following month. As a result, Ms. [redacted]’s $32.98 payment did not satisfy July’s payment as it had been made while still within June’s billing cycle. When no payment was received by the July 9, 2016 due date, a $32.98 late fee was assessed. We have decided to make an one-time exception to our standard policy as a courtesy and have credited the late fee. A refund check for $32.98 has been sent to the address provided on the inquiry of [redacted] Anthony NM 88021, and Ms. [redacted] should allow up to 15 days from this response for it to arrive. In addition, an update request has been sent to the credit bureaus to remove the 30-day late payment. Please allow up to 60 days from this response for the update to process and reflect on Ms. [redacted]’s credit files. Thank you for allowing us to explain. Sincerely, Vi [redacted]Executive Care Team VF/ah
...⇄ # [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 inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate Ms. [redacted] placed an order on our website on August 19, 2014 for the Beats by Dr. Dre Studio Wireless Headphones in Red totaling $483.98. Interest charges are billed monthly when Ms. [redacted]’s statement is printed per the terms and conditions of the account. Additionally, Ms. [redacted] enrolled in SafeLine Plus Account Protection at the time she applied for the account on our website on August 19, 2014. To enroll in SafeLine on our website is a two-step process which required Ms. [redacted] to select that she wanted to enroll her Fingerhut credit account in SafeLine Plus and once enrolled, Ms. [redacted] was required to agree to the terms and conditions of SafeLine Plus. SafeLine Plus is an optional program designed to assist the customer in making their payments should the customer experience a covered event such as unemployment, disability, a major life event, or a change in primary residence impacting the account holder. When a benefit application is received and approved, the plan will cover the current minimum payment due on a customer’s credit account during a covered event for 1 to 12 months, depending on the benefit. For some benefit events, like death or foreclosure, SafeLine Plus will waive the entire balance as of the date of the event (up to the assigned credit limit) providing all conditions are met. Ms. [redacted] would have also received the terms and conditions for SafeLine Plus within a few days of enrolling in the program. SafeLine Plus fees have appeared under the fees section of each monthly statement from September 13, 2014 through March 13, 2016. It is the responsibility of our customers to review their billing statements each month regarding the charges and credits. If our customers feel that there is an error in billing, we can review the error with our customer at that time. Additionally, on the back of our monthly billing statements, under, “What to do if you think you find a mistake on your statement”, it states the address to write to, and also states: “You must contact us within 60 days after the error appeared on your statement. You must notify us in of any potential errors in writing”. On April 15, 2016 Ms. [redacted]’s account was credited in the amount of $4.28 for the SafeLine Plus fees she was billed in the last 60 days. No further credits will be issued for SafeLine Plus. Our records also indicate Ms. [redacted] was charged late fees on November 9, 2014 and January 9, 2015 in the amount of $26.00 each due to her minimum payment being received after the due date on the account per the terms and conditions she agreed to at the time she opened the account. Ms. [redacted] also received late fees on February 9, 2016 and April 9, 2016 in the amount of $14.99 each. It is important to make the minimum payment on time by the due date each month to avoid late fees. As Ms. [redacted] remained obligated to make at least the minimum payment due, we cannot remove the past due payment history that has been reported to the credit agencies. It is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies. Ms. [redacted] is responsible for the remaining balance on her account of $184.32. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION December 21, 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 recent inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account. Ms. [redacted] states the PlayStation 4 she ordered had a scheduled delivery date of December 6, 2016, but it was not delivered and she never received it. When she notified customer service, the representative advised to complete and return the affidavit they were sending, though Ms. [redacted] did not receive the affidavit. Ms. [redacted] does not want to be billed for an item she never received and requests this be resolved. Our records indicate Ms. [redacted] ordered a Sony PS4 with Unchartered4 game on November 30, 2016. United Parcel Service tracking # [redacted] reflects they delivered it to ‘Front Door’ on December 6, 2016 at 4:34 p.m. local time. On the same date, Ms. [redacted] called notifying she did not receive it, and the representative advised to allow more time as sometimes packages are found nearby or left in a concealed location on the premises to prevent theft. On December 9, 2016, Ms. [redacted] called stating the package had not been found/received, and the representative sent a ‘merchandise not received’ affidavit to her address on file of [redacted] Philadelphia, PA 19151. A second affidavit was sent regular mail on December 12, 2016 per Ms. [redacted]’s request. On December 13, 2016, we received the completed affidavit via an email attachment, and on the same date sent an email reply advising the claim was denied pending a police report given the significant monetary value. Ms. [redacted] called on the same date and the representative provided a fax number to fax the police report as well. To date, we have no record of receiving the police report, and once received, we will proceed with finalizing the investigation, including any adjustments to Ms. [redacted]’s account at that time. She may fax the report to ###-###-####, Attn: MNR Claims or email it to [email protected]. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/a
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 inquiry we received from your office on behalf of Ms. [redacted] regarding a Fingerhut/FreshStart Account. Ms. [redacted] claims she purchased a defective Keurig from Fingerhut. She has requested prepaid postage labels to return the product however has not received them. She is wanting to return to product and be credited for what she has paid on her account. Our records indicate Ms. [redacted] purchased a Keurig K55 Single-Serve Brewer on April 23, 2016. On May 6, 2016 Ms. [redacted] contacted Fingerhut stating the Keurig was defective. Fingerhut does require returns and exchanges to be made in accordance to our return policy, which states: “We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are nonrefundable. Computers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only.” A return label would have been included in the original package, however on that same date a prepaid postage label was mailed to Ms. [redacted]’s address, [redacted] Harlingen, TX 78550. Ms. [redacted] contacted Fingerhut on May 20, 2016 stating she never received the prepaid postage label. On that same date, an additional postage label was mailed. On June 14, 2016 a third prepaid postage label was mailed to Ms. [redacted]. She should allow 7 to 10 business days to receive the postage label. Considering Ms. [redacted] contacted Fingerhut within 30 days of the purchase date we will issue her credit or exchange upon review of the item once received. As Ms. [redacted] is returning the Keurig to Fingerhut she is still required to make the minimum payments due on her account. At this time the current balance on her account is $131.38. A minimum payment of $23.52 is due by June 20, 2016. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
today my account still show a credit balance of 3,100.00 at the Fingerhut site. I even received a letter a few days ago stating I had credit. I will never do business with them again. I am trying to clean up my credit report. I am 65 years old and I don't have time to play games . I played enough when I was young. Some people never stop. Thank you, Mary [redacted]
Full response attached. CONFIDENTIAL COMMUNICATION: Ms. [redacted] states that she has completed the FreshStart program successfully and should be eligible for a revolving account with a higher credit limit and no down-payment requirement. Our records indicate Ms. [redacted] had a late payment in July...
of 2016 which means she did not successfully complete the program. She may retry the program if she wishes.
CONFIDENTIAL COMMUNICATION May 1, 2017 Revdex.com of...
Minnesota �...⇄ Attn: Ms. [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut credit account in the name of [redacted]. Mr. [redacted] states that he notified Fingerhut that Mr. [redacted] had passed on December 27, 2016. Mr. [redacted] goes on to state that he continues to receive statements and phone calls regarding Mr. [redacted]’s account. Mr. [redacted]’s desired resolution is to have no further contact regarding Mr. [redacted]’s account. Our records indicate that Fingerhut may have been sending correspondence to an address associated with Mr. [redacted] Fingerhut credit account [redacted]. Based on our research, we were unable to locate any record of Fingerhut reaching out to Mr. [redacted], at any of the phone numbers currently associated with his account, regarding Mr. [redacted]’s account. We empathize and express our condolences in regards to Mr. [redacted]’s situation, however as we do not show Mr. [redacted] as a power of attorney for Mr. [redacted] we unable to confirm any information regarding Mr. [redacted]’s account. If Mr. [redacted] has any further concerns, he may contact the Fingerhut Executive Care Team at ###-###-####. Their hours are Monday – Friday 8:00am – 4:30pm Central Standard Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa
CONFIDENTIAL COMMUNICATION August 25,...
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] states she purchased a computer with a warranty from Fingerhut in April that is no longer working. She contacted Dell to have the computer repaired and it only worked for a brief period. She would like to have the computer replaced being she is still paying for the item. Our records indicate Ms. [redacted] purchased a Dell Inspiron 23.8" Full HD Windows 10 All-in-One Desktop Computer with a 2 Year Service Plan on April 9, 2016. On August 4, 2016 Ms. [redacted] contacted Fingerhut stating the computer she purchased was no longer working properly. Ms. [redacted] was advised all product concerns would need to be handled by the manufacturer, Dell, as the merchandise was still covered under Dell’s manufacturer warranty. Ms. [redacted] contacted Fingerhut on August 8, 2016 stating Dell had tried to fix the computer, but it was still not working properly. As a goodwill gesture to Ms. [redacted] we will be shipping her a new Dell Inspiron 23.8" Full HD Windows 10 All-in-One Desktop Computer. This order was placed on August 24, 2016 and has an expected delivery date of September 2, 2016. For future reference Ms. [redacted] should be aware of our return policy which states: “We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are nonrefundable. Computers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only.” If Ms. [redacted] has any further questions she may contact Fingerhut 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
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.Respects,Mrs. L. [redacted]
CONFIDENTIAL COMMUNICATION March 22, 2018 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case #[redacted] – [redacted] Dear Mr. [redacted], I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut FreshStart Account for Mr. [redacted]. Mr. [redacted] indicates the down payment made on a failed order was drafted from his debit card, and he has proof of this. He states his request for a refund was denied, as he was told the down payment was never taken. Mr. [redacted] requests either the refund, that his order be placed or some other fair settlement/credit, etc. We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, we have attached our response for the consumer to review. Sincerely, Vi [redacted]Executive Care TeamVF/ah
Initial Business Response /* (1000, 7, 2016/02/17) */
CONFIDENTIAL COMMUNICATION
February 16, 2016
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms....
[redacted],
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate Ms. [redacted] purchased a Kathy Ireland Microfiber Sherpa 3-Pc. Comforter Set - King for $62.99 plus $19.99 shipping and handling and an Ultra-Soft 4-Pc. Modern Sheet Set - Cal. King for $49.99 plus $9.99 shipping and handling on January 27, 2016.
At the time of purchase Ms. [redacted] did not enter a promotional code for free shipping or the discount price of the comforter. Ms. [redacted] contacted Fingerhut on February 4, 2016 to redeem a promotional code for this purchase. At that time she was unable to provide the promotional code. As a one time courtesy to Ms. [redacted] $20.00 was credited for the shipping/handling on February 4, 2016.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 9, 2016/02/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I've received their response and don't agree. They said Kathy comf. was $62.99 plus $19.99 shipping. I order online said was $48.99 free shipping, that's why I ordered. I was charged $112.96 for comf. plus $29.98 shipping. They said sheet set was $49.99 plus $9.99 shipping. I was charged $59.98 for sheet set, $9.99 shipping. During our conversation on 2/4/16 they said the comf. was anywhere between $48.99-$62.99. I told them that the can't set different prices. They said they would get me$10.000credit, when I said I was contacting the Revdex.com, they said they would credit me $20.00. I want my account suspended, not interest, no fees, I just want to pay it off. This company is so discepctive, I want no part of it. I want to pay my fair share and close my account and tell anybody not to do business with this company.
Final Consumer Response /* (3000, 15, 2016/02/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Finger Hut keeps saying I bought comforter for $62.99, plus $19.99 shipping. I bought online said was $52.99 plus free shipping. I called to complain , they said comforter was between $48.99-$62.99. I said they can't change the price. They credit me $10.00, then $20.00 when I said I was contacting Revdex.com. I didn't tell Finger Hut to close my account. I suggested to Revdex.com to suspend my account and no fees, or interest to resolve this account. I am a good customer paid $50.00 on 2/21/2016, $20.00 more then was a min. balance. My spouse just received notice that he is part of a class action suit against this company. I got the Revdex.com involved and paid account and closed account. I want Finger Hut to keep their word. They had comforter $52.99 free shipping. Then when I complained they change the price from anywhere from $48.99 - $62.99. I said you can't do that. That's the only reason they credited me, it was $10.00 than $20.00, not the full $29.98 they owe. I want my account left open, until I say close it. I am a good customer, I have a $800. plus credit. If we can't get to an agreement, then I want the Revdex.com to close my account, with no interest, no fees, etc. Thank You for letting me explain my half.
Final Business Response /* (4000, 17, 2016/03/04) */
CONFIDENTIAL COMMUNICATION
March 4, 2016
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
As stated previously, the comforter set Ms. [redacted] purchased on January 27, 2016 was $62.99 plus $19.99 shipping and handling. The sheet set she purchased on that same date was $49.99 plus $9.99 shipping and handling.
Ms. [redacted] claims the price of the comforter online was $52.99 with free shipping/handling. At the time of purchase, Ms. [redacted] did not enter a promotional code for either free shipping or the discount price of the comforter.
As a courtesy to Ms. [redacted] on February 4, 2016 we credited $20.00 for this purchase.
Per Ms. [redacted]'s request, her account was closed on February 23, 2016. At this time her account has a balance of $386.93. The outstanding balance will continue to accrue interest and other charges and be subject to the terms and conditions of the Agreement. If Ms. [redacted] would like her account re opened, her account will need to be paid in full. At that time she can complete the application process again.
In regards to the class action lawsuit, instructions for members of the Settlement Class are included in the Class Notice and Claim Form. For further questions on this matter, Ms. [redacted] may contact the Claims Administrator at [redacted]. Additionally, she may find information about the settlement www.BluestemTCPASettlement.com.
At this time we have provided Ms. [redacted] with all information in regards to her complaint. Fingerhut considers this matter closed.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
CONFIDENTIAL COMMUNICATION May 27, 2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] has stated she is rejecting our previous response due to the fact the Dell Inspiron 15.6" HD 4GB Windows 10 Laptop Computer was defective and not used very often. Ms. [redacted] is once more requesting a refund and insists that she returned it to us within the 90 day timeframe. She has indicated that she is disappointed in the customer service she received, specifically that we did not call her about the issue. Please understand, our return policy states that computers have to be returned within the 30-day home trial period. This applies to both credit and exchange. Ms. [redacted] placed the order for the laptop computer on March 5, 2016 and it was returned to us in the mail stream on April 26, 2016 (and the return was processed on April 28, 2016). Consequently, we are unable to make an exception to our thirty day return policy by accepting the computer as a return. We were not contacted by Ms. [redacted] prior to April 26, 2016 when the computer was returned to us. While we sympathize with Ms. [redacted]’ situation, we are bound by our company’s policies and procedures. Our return policy is as follows: We will exchange your product or give you a refund for most items returned in new condition within 30 days after date of purchase. Returns will not be accepted for credit after 90 days. If you have any problems with a product, please check the manufacturer’s warranty. Fingerhut provides a convenient prepaid return label service for most products. You can visit our Returns Center in the My Account area of the website to print a new return label at Fingerhut.com or contact Customer Service. Pre-paid return labels are not available for truck-ship items, oversized items, or Fingerhut FreshStart accounts. Contact Customer Service for help with your return. Music, movies, video games and software have to be returned unopened (factory sealed). Exchanges are for exact same item only. Computers, tablets, e-readers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators have to be returned within the 30-day home trial period. We are sorry to hear that Ms. [redacted] has been disappointed with our customer service. 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]’ expectations. Again, we ask that Ms. [redacted] please refer to the manufacturer’s information received with her product and contact them to report the problem. The contact number for Dell is ###-###-####, representatives are available Monday-Friday 8 am - 9 pm. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/jm
CONFIDENTIAL COMMUNICATION April 28, 2016 Revdex.com of...
Minnesota �...⇄ # [redacted] 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. Our records indicate Ms. [redacted] purchased an Anna Coffee Table on February 27, 2016. On March 11, 2016 Ms. [redacted] contacted Fingerhut stating the instruction manual and table legs were missing. A request was sent to the vendor to mail out the missing parts and instruction manual to Ms. [redacted]. Ms. [redacted] contacted Fingerhut on March 29, 2016 indicating she still had not received the missing parts or instruction manual. Ms. [redacted] was informed to allow more time for the parts to arrive. Ms. [redacted] contacted Fingerhut several more times between March 29, 2016 and April 22, 2016 indicating she still had not received the instruction manual or missing parts. On April 22, 2016 a prepaid label was sent to Ms. [redacted] to return the table for a full refund. A representative from the Executive Care Team contacted Ms. [redacted] on April 28, 2016 confirming she had returned the table and explained a full refund will be issued once received. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ca
I am rejecting this response because: My...
November 2017 payment was "NOT" 30 days late to Fingerhut. Payment was due November 9TH and the payment was made on November 26TH. That does not make it late. I have a statement from Fingerhut that shows none of my payments were ever 30 days late.
Initial Business Response /* (1000, 5, 2015/10/29) */
CONFIDENTIAL COMMUNICATION
October 29, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms....
[redacted],
I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate on September 30, 2015 Mr. [redacted] purchased an alcove Fast Dry 10-Pc. Towel Set, Cuisinart 2 Speed Hand Blender, Stetson Fresh Cologne Spray, Grey Flannel 2 Oz. EDT Spray by Geoffrey Beene, Men's Blue Jeans EDT Spray by Versace, and Mens FCUK 3 by French Connection EDT spray.
We received the return of the Grey Flannel 2 Oz. EDT Spray by Geoffrey Beene, Men's Blue Jeans EDT Spray by Versace, and the Mens FCUK 3 by French Connection EDT spray. A credit of $93.00 was issued to Mr. [redacted]'s account for the full merchandise price, but out return policy states, "the original shipping/handling is nonrefundable on return merchandise if the item is not damaged, defective, or in the case of a shipping error." Mr. [redacted] was required to pay for the original shipping/handling of $30.97 for the items.
On October 25, 2015 a letter was sent to Mr. [redacted]'s mailing address. This letter explains the return and to allow 48 hours to see the credit on his fingerhut.com account and to allow up to two billing cycles to show the credit on his mailed billing statements.
We apologize for any confusion this may have caused Mr. [redacted].
At this time Mr. [redacted]'s account balance is $215.74. A minimum payment of $23.99 is due by November 15, 2015. To make payment arrangements we ask Mr. [redacted] contacts our Payment Department at[redacted] Monday through Friday 7AM to 9PM.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 7, 2015/10/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As an Executive, you have failed to stick to the complaint of what exactly is being complained about.
Also, you failed to mention that there were 2 separate orders. SHIPPING charged on order#1 (towels and mixer) and shipping charged on order#2 - 4 separate bottles of cologne that were shipped in 4 separate shipments - TO MAKE MONEY!
I didn't complain about order#1. Which included towels and a mixer. But you seem to not be professionally apt of addressing the main concern - AND ONLY THAT!
And they are all still boxed never opened. I think I will call UPS and return those too. I don't want anything from you anymore!
Fingerhut needs to credit the shipping charges for
each item that was returned! Since the shopping is added to each of the SEPARATE cologne shipments. 3 were returned and 3 needs to have the appropriate shipping charges credited immediately!
I'm not going to pay for something that was returned via UPS. I di not have the product and you are charging and sending erroneous credit balances to the CRA's.
This is a scam and the MN AG will be the next step, trust and believe me. Fingethut will re-sell those 3 bottles of cologne and charge another customer shipping charges.
I'm not sure why dealing with this company is such a pain. But this is unacceptable. You're telling me that if I had not filed this complaint, that I would have been erroneously charges for items that were returned?
I thought that this relationship would result in a positive outcome, but over the past year I see it ha not. I want Fingerhut to IMMEDIATELY CEASE all shipments of any catalogs to my place of residence.
Once this account is paid off-you're no longer needed! You're running a scam!
I will NEVER order another item from this company.
You're inability to professionally resolve this situation with integrity and competence will be the downfall of your position.
Final Business Response /* (4000, 9, 2015/11/05) */
CONFIDENTIAL COMMUNICATION
November 3, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
As we have stated in previous correspondence, per our return policy, the original shipping/handling is nonrefundable unless the merchandise is damaged, defective, or in the case of a shipping error. The original shipping/handling Mr. [redacted] is responsible for is $30.97.
We have received Mr. [redacted]'s request to opt out of future mailings from Fingerhut. We have updated our records and removed Mr. [redacted] from the mailing list, but because out catalogs are printed in advance, Mr. [redacted] should allow 6 to 8 weeks for this request to process.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
I am rejecting this response because:
I want to contess this decision.... Please, resubmit. Unsatisfied Customer, [redacted]
CONFIDENTIAL COMMUNICATIONMay 9,...
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337Re: Case # [redacted] – [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. Enclosed are a statement of account activity, credit application, Terms and Conditions, and an unordered merchandise affidavit.Mr. [redacted] states that he found a fraudulent account with Fingerhut on his credit report that has been charged to its limit but no one had made payments. Mr. [redacted] states he contacted Fingerhut and informed them it was fraud but was told the account had been sold to a debt collector. When Mr. [redacted] contacted the debt collector he was told there was a judgment against him. Mr. [redacted] states he never applied for a Fingerhut account and was never sent correspondence from Fingerhut or the collection agency. Mr. [redacted] would like the account removed from his credit report. Our records indicate that the account was opened in Mr. [redacted]’s name via the web on June 21, 2012 using Mr. [redacted]’s personal information. An order was placed on June 24, 2012 for a Fujifilm FinePix 14MP/24X Digital Camera Package and delivered to [redacted] Fair Haven, NJ 07704.We did not receive any payments on this account. Our records indicate that due to severe delinquency, Mr. [redacted]’s WebBank/Fingerhut Advantage Credit Account was charged off on April 5, 2013 with a balance of $408.42 and sold to [redacted] on May 3, 2013.Unauthorized account set-up and activity is a serious matter, and we have certain procedures in place to assist those making this type of claim. As Mr. [redacted] denies authorizing the account matching his name, we referred this matter to our Credit Risk Department for further review and they have determined that the billing and shipping address for the order listed above was the same address as on the application and was in fact associated with Mr. [redacted] at the time the order was placed. Additionally the phone number on the application was also associated with Mr. [redacted]. With this information, we are not able to sufficiently prove a fraudulent account set up. If Mr. [redacted] would like to pursue the matter further, he may complete an affidavit of unordered merchandise. We have submitted this document with our response. We would also need a copy of a police report filing the claim of identity theft.As we understand the severity and urgency of this situation, Mr. [redacted] may fax the completed affidavit and related police report to ###-###-####, Attn: Chris. Once received, we can further investigate this matter. Thank you for allowing us to explain.Sincerely,Vi [redacted]Executive Care TeamVF/ca [redacted]
I am rejecting this response because:I was mislead I earned the credit increase with on time payments I would like the PlayStation 4 sent to me
CONFIDENTIAL COMMUNICATION May 3, 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 inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate an order was placed on April 4, 2016 for the New Balance Men’s 411V2 Walking Shoe Wide Size 11. We sincerely apologize Mr. [redacted] has experienced this inconvenience regarding the problem with the shoes. We are able to offer a replacement order for the shoes prior to receiving the return of the defective shoes, however, we cannot send the order without charging Mr. [redacted]’s account. Mr. [redacted] received a postage paid return label with the order for the shoes. If we place a new order on his account, upon receipt of the new order Mr. [redacted] may return the defective shoes immediately. Please understand returns may take up to 10 days to be received and processed. Mr. [redacted]’s monthly statement will cycle on May 17, 2016. If the new order is placed prior to the cycle date, Mr. [redacted]’s minimum payment would only change for one to two billing cycles depending on when the return is received. If Mr. [redacted] would like to place the order he may contact our order line at ###-###-####, 7 days a week, 24 hours a day. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION July 6, 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 inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Mr. [redacted]’s inquiry he indicated the catalog he was ordering from offered a ShelterLogic 10’ x 20’ 6 Legged Canopy for $49.99. When he attempted to order the item, the agent advised him the item was $199.99 and that the price needed to be verified. Mr. [redacted] contacted us the next day and states he was advised it could take another 48 hours to verify the information. Mr. [redacted] states he closed his account and cancelled the order. Our records indicate Mr. [redacted] contacted us on June 22, 2016 regarding the pricing issue for the canopy. Mr [redacted] requested to speak with a supervisor and the agent transferred Mr. [redacted] to a supervisor per his request. The supervisor referred Mr. [redacted]’s concerns to our merchandising team for further research. Due to the difference in pricing the order was not placed. Mr. [redacted] contacted us on June 23, 2016 and again requested to speak with a supervisor. The agent transferred Mr. [redacted] to a supervisor. The supervisor advised Mr. [redacted] that we were still researching the price difference. Mr. [redacted] stated that 24 hours should be enough time for our research to be completed and requested his account to be closed. The supervisor closed the account per Mr [redacted]’s request. A supervisor also attempted to contact Mr. [redacted] two additional times on June 23, 2016 with updates regarding the pricing difference. The supervisor left a message each time for Mr. [redacted] advising him that the price in the catalog was an error and that we were waiting for further details on the issue and for Mr. [redacted] to contact us for further assistance. We have no record of Mr. [redacted] contacting us in response to these messages. In our catalogs, under the Customer Service Information located with the order form is a section titled “Errors” and is as follows: Although we make every effort to ensure accuracy of our information, occasional descriptive or typographical errors may occur. Per our merchandising team, we will honor the pricing difference from $199.99 to $49.99 as a courtesy, if Mr. [redacted] would still like to order the canopy. Since Mr. [redacted] closed his Fingerhut Advantage Credit Account he may use a MasterCard, Visa, American Express or Discover to place the order by contacting our Customer Service Department at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Please understand the full amount of $199.99 plus any applicable sales tax and/or shipping and handling will be charged initially, however, once the order starts processing, we will issue a credit for $150.00. Once the credit has been issued in our system, Mr. [redacted] should allow 3-5 business days for the credit to be reflected on his credit card. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION August 5, 2016 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 we received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Advantage Credit Account payment history. Ms. [redacted] disputes that her account had been 33 days delinquent—as was reported by us to the credit bureaus—because she states her “payments were consistently made,” Ms. [redacted]’s proposed satisfactory resolution would be to refunded her part of the payment for her car seat in consideration of this error. Our records confirm that Ms. [redacted]’s balance was paid in full with her $212.38 payment received on July 16, 2016. That balance was entirely related to her March 6, 2016 order of a Graco Nautilus 3-in-1 Car Seat. Records show we received on-time payments from Ms. [redacted] until her June 9, 2016 due date when no payment was received. Ms. [redacted]’s monthly statement for her billing cycle ending June 13, 2016 was sent on the same date to the email on file of [redacted]@gmail. It reflected a minimum payment due of $32.98 by July 9, 2016 as it included the $14.99 still owing from June plus July’s new amount due of $17.99. Records show we received Ms. [redacted]’s $32.98 payment on June 13, 2016, however as stated above, the 13th is the billing cycle close date. Please be advised that the closing date is the final day within the billing cycle, and payments received on that date are applied to the payment due that month—not the following month. As a result, Ms. [redacted]’s $32.98 payment did not satisfy July’s payment as it had been made while still within June’s billing cycle. When no payment was received by the July 9, 2016 due date, a $32.98 late fee was assessed. We have decided to make an one-time exception to our standard policy as a courtesy and have credited the late fee. A refund check for $32.98 has been sent to the address provided on the inquiry of [redacted] Anthony NM 88021, and Ms. [redacted] should allow up to 15 days from this response for it to arrive. In addition, an update request has been sent to the credit bureaus to remove the 30-day late payment. Please allow up to 60 days from this response for the update to process and reflect on Ms. [redacted]’s credit files. Thank you for allowing us to explain. Sincerely, Vi [redacted]Executive Care Team VF/ah
CONFIDENTIAL COMMUNICATION April 25, 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 inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate Ms. [redacted] placed an order on our website on August 19, 2014 for the Beats by Dr. Dre Studio Wireless Headphones in Red totaling $483.98. Interest charges are billed monthly when Ms. [redacted]’s statement is printed per the terms and conditions of the account. Additionally, Ms. [redacted] enrolled in SafeLine Plus Account Protection at the time she applied for the account on our website on August 19, 2014. To enroll in SafeLine on our website is a two-step process which required Ms. [redacted] to select that she wanted to enroll her Fingerhut credit account in SafeLine Plus and once enrolled, Ms. [redacted] was required to agree to the terms and conditions of SafeLine Plus. SafeLine Plus is an optional program designed to assist the customer in making their payments should the customer experience a covered event such as unemployment, disability, a major life event, or a change in primary residence impacting the account holder. When a benefit application is received and approved, the plan will cover the current minimum payment due on a customer’s credit account during a covered event for 1 to 12 months, depending on the benefit. For some benefit events, like death or foreclosure, SafeLine Plus will waive the entire balance as of the date of the event (up to the assigned credit limit) providing all conditions are met. Ms. [redacted] would have also received the terms and conditions for SafeLine Plus within a few days of enrolling in the program. SafeLine Plus fees have appeared under the fees section of each monthly statement from September 13, 2014 through March 13, 2016. It is the responsibility of our customers to review their billing statements each month regarding the charges and credits. If our customers feel that there is an error in billing, we can review the error with our customer at that time. Additionally, on the back of our monthly billing statements, under, “What to do if you think you find a mistake on your statement”, it states the address to write to, and also states: “You must contact us within 60 days after the error appeared on your statement. You must notify us in of any potential errors in writing”. On April 15, 2016 Ms. [redacted]’s account was credited in the amount of $4.28 for the SafeLine Plus fees she was billed in the last 60 days. No further credits will be issued for SafeLine Plus. Our records also indicate Ms. [redacted] was charged late fees on November 9, 2014 and January 9, 2015 in the amount of $26.00 each due to her minimum payment being received after the due date on the account per the terms and conditions she agreed to at the time she opened the account. Ms. [redacted] also received late fees on February 9, 2016 and April 9, 2016 in the amount of $14.99 each. It is important to make the minimum payment on time by the due date each month to avoid late fees. As Ms. [redacted] remained obligated to make at least the minimum payment due, we cannot remove the past due payment history that has been reported to the credit agencies. It is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies. Ms. [redacted] is responsible for the remaining balance on her account of $184.32. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION December 21, 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 recent inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account. Ms. [redacted] states the PlayStation 4 she ordered had a scheduled delivery date of December 6, 2016, but it was not delivered and she never received it. When she notified customer service, the representative advised to complete and return the affidavit they were sending, though Ms. [redacted] did not receive the affidavit. Ms. [redacted] does not want to be billed for an item she never received and requests this be resolved. Our records indicate Ms. [redacted] ordered a Sony PS4 with Unchartered4 game on November 30, 2016. United Parcel Service tracking # [redacted] reflects they delivered it to ‘Front Door’ on December 6, 2016 at 4:34 p.m. local time. On the same date, Ms. [redacted] called notifying she did not receive it, and the representative advised to allow more time as sometimes packages are found nearby or left in a concealed location on the premises to prevent theft. On December 9, 2016, Ms. [redacted] called stating the package had not been found/received, and the representative sent a ‘merchandise not received’ affidavit to her address on file of [redacted] Philadelphia, PA 19151. A second affidavit was sent regular mail on December 12, 2016 per Ms. [redacted]’s request. On December 13, 2016, we received the completed affidavit via an email attachment, and on the same date sent an email reply advising the claim was denied pending a police report given the significant monetary value. Ms. [redacted] called on the same date and the representative provided a fax number to fax the police report as well. To date, we have no record of receiving the police report, and once received, we will proceed with finalizing the investigation, including any adjustments to Ms. [redacted]’s account at that time. She may fax the report to ###-###-####, Attn: MNR Claims or email it to [email protected]. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/a
CONFIDENTIAL COMMUNICATION June 14,...
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 inquiry we received from your office on behalf of Ms. [redacted] regarding a Fingerhut/FreshStart Account. Ms. [redacted] claims she purchased a defective Keurig from Fingerhut. She has requested prepaid postage labels to return the product however has not received them. She is wanting to return to product and be credited for what she has paid on her account. Our records indicate Ms. [redacted] purchased a Keurig K55 Single-Serve Brewer on April 23, 2016. On May 6, 2016 Ms. [redacted] contacted Fingerhut stating the Keurig was defective. Fingerhut does require returns and exchanges to be made in accordance to our return policy, which states: “We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are nonrefundable. Computers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only.” A return label would have been included in the original package, however on that same date a prepaid postage label was mailed to Ms. [redacted]’s address, [redacted] Harlingen, TX 78550. Ms. [redacted] contacted Fingerhut on May 20, 2016 stating she never received the prepaid postage label. On that same date, an additional postage label was mailed. On June 14, 2016 a third prepaid postage label was mailed to Ms. [redacted]. She should allow 7 to 10 business days to receive the postage label. Considering Ms. [redacted] contacted Fingerhut within 30 days of the purchase date we will issue her credit or exchange upon review of the item once received. As Ms. [redacted] is returning the Keurig to Fingerhut she is still required to make the minimum payments due on her account. At this time the current balance on her account is $131.38. A minimum payment of $23.52 is due by June 20, 2016. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because:
As of...
today my account still show a credit balance of 3,100.00 at the Fingerhut site. I even received a letter a few days ago stating I had credit. I will never do business with them again. I am trying to clean up my credit report. I am 65 years old and I don't have time to play games . I played enough when I was young. Some people never stop. Thank you, Mary [redacted]