I am rejecting this response because: It makes no sense. If I were to contact the company to open an account, it would happen immediately and I'd have a credit line to spend. But because I want my account closed, they're jerking me around. I will NEVER buy another thing from Fingerhut. Their quality is terrible, prices are outrageous, and they don't stand behind their merchandise. Saying they "can't close an online account" is absolute baloney! No further action is required. It's a waste of time but you can bet everyone I know will be warned about Fingerhut and their bogus business practices.
I am rejecting this response because:
While I appreciate that I got a response I must state that it is unacceptable because it has taken almost two weeks and only one of the two issues was addressed. While waiting on a response I went out and bought a new mattress and box springs. It is true that Pilot showed up at my home to deliver the mattress I had ordered, this I was not expecting as I had not been contacted by anyone except for Pilot (on the day of delivery) since this whole mess started.Today, 2 June 2016, I contacted Fingerhut customer service to cancel the replacement mattress. If it shows up anyway I'll just return it and that will hopefully be the end of that. I also inquired about the air conditioner and the "investigation" that was to take place after sending in an affidavit. I was told that there was no information available beyond it having been delivered (to the incorrect address) and that my affidavit had not been received. I have sent another affidavit as of today, and I have been told that a note would be placed on my account that it is "a concern of mine" on whether or not they get it. I will be following up on it tomorrow to ensure that it arrived.I am quite displeased with Fingerhut by now. At this point I just want the a/c unit or a refund. I don't think that is too much to ask.
Initial Business Response /* (1000, 5, 2015/07/30) */
CONFIDENTIAL COMMUNICATION
July 30, 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.
As stated in the inquiry and supported by our records, Mr. [redacted] ordered a Bounty Hunter Sharp Shooter II Detector Kit on July 6, 2015. The Order Line phone agent assisting him with placing the order applied promotion code 'E5474'. This was for a ten percent discount in the amount of $18.40, and it was immediately deducted from the order total upon being placed.
Please understand that our order servicing system is designed to accept one promotion code per order, in accord with our policy on promotion codes. If Mr. [redacted] had a second code for free shipping, it would not have qualified to be applied.
Mr. [redacted] sent an email on July 21, 2015 inquiring why he did not receive free shipping on the order, since he had received an advertised offer from us for it. On July 24, 2015 an agent replied by email stating, in part, "At different times we will offer this promotion and in order to take advantage of it, the free shipping promo code would need to be entered on the order. In addition, please note that only one promotional code can be applied to an order...however, as a one time exception, I am going to credit back the shipping on this order."
As a reassurance to Mr. [redacted], he received an account credit for the $19.99 shipping costs on July 24, 2015; it will reflect on a future monthly statement for his records.
Thank you for allowing us the opportunity to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2015/08/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Fingerhut seems to have a problem with Mathematics? My Balance before I ordered was $333.45. The product at the time of order was,$183.99-10%=$165.59. They said they would waive the Shipping and Handling of $19.99.They have my Balance listed at, $508.05 because of this. It should be,$499.04. Since this is leaving such a Bad Taste in my Mouth, I have until the 18th of August to return it. Thank-You, [redacted]
Final Business Response /* (4000, 9, 2015/08/10) */
CONFIDENTIAL COMMUNICATION
August 10, 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 further inquiry we received from your office on behalf of Mr. [redacted]
We agree that Mr. [redacted]'s balance would be $499.04 after applying the ten percent discount and the free shipping/handling; however, the interest charge on his most recent billing cycle was $9.01. $508.05 is the correct end balance as it is the sum of $499.04 plus the monthly interest charge.
$9.01 is the correct interest charge for Mr. [redacted]'s most recent billing cycle. As a reminder, interest will accrue monthly for as long as the account carries a balance, per the terms and conditions of the Agreement.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
I am rejecting this response because: this was my first order with this company and new credit. It stated Free shipping on your first order with an approved Gettington Credit Account.
I am rejecting this response because:The response...
does not state that they will correct the information on my credit report. I would like the correct information reported to the credit bureau and the late payments being reported to be removed from all credit reports/credit reporting agencies.
CONFIDENTIAL COMMUNICATION May 11, 2017 ...⇄ Better...
Business Bureau 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. In Ms. [redacted]’s complaint, she states she placed an order for a digital camera on February 18, 2017, and received it around March 18, 2017. Ms. [redacted] did not use the item until the last week of March through the first week of April. When informed, customer service stated the item had passed the 30 day return policy and was returning the item to Ms. [redacted]. After reviewing Ms. [redacted]’s account, we show Ms. [redacted] placed an order on February 18, 2017 for the Polaroid Camera Bundle. Tracking shows, the item was delivered to Ms. [redacted] on February 28, 2017. Ms. [redacted] contacted us on April 28, 2017 by email stating the item was not working correctly and that she returned the item for a refund. We received her return item on May 1, 2017. Because the item was returned to us after our 30 day home trial period, the item is being returned to Ms. [redacted]. We shipped the item back to her on May 5, 2017. She can expect to receive the item within 45 days and can track the package by using the tracking number #[redacted] at http://www.fedex.com/us. The camera has a limited manufacturer warranty with it. We recommend Ms. [redacted] contact Polaroid at ###-###-#### for further assistance with the item. Please see attachment for further details. Sincerely, Vi [redacted]Executive Care Team VF/AH
CONFIDENTIAL COMMUNICATION November 25, 2016 Revdex.com of...
Minnesota �...⇄ Attn: Ms. [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #:[redacted] Dear Ms. [redacted], I am writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut credit account. Mr. [redacted] states he told Fingerhut his payment would be a day or two late, but he would be paying the remaining balance of $132.40. Mr. [redacted] further states when he called to make the payment, he was told the balance was now $147.39. Mr. [redacted] states he will not be doing any more business with Fingerhut and is requesting a full refund of all the extra charges. According to our records, the balance reflected on the October 17, 2016 statement was $132.40. As the minimum payment of $14.99 was not received by the due date on November 13, 2016, Mr. [redacted] was charged a $14.99 late fee. This charge brought the account balance to $147.39. On November 14, 2016, Mr. [redacted] made a payment in the amount of $147.39 which brought his account balance to zero. This balance is reflected on Mr. [redacted]’ November 17, 2016 statement. As a courtesy, on November 22, 2016, Fingerhut issued a credit for the $14.99 late fee charged to Mr. [redacted]’ account on November 13, 2016. Although already applied to the account, the credit will reflect on a future monthly billing statement for Mr. [redacted]’ records. 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 Mr. [redacted]’ expectations. If we can be of further assistance, Mr. [redacted] may contact our Customer Service Department at ###-###-#### Monday through Friday 8am to 8pm CST. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/lg
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] indicates she placed an order for a mattress, computer stand, platform bed with under dresser and a headboard. When Ms. [redacted] was contacted by the delivery company, they advised her the packaging on the mattress was ripped and the mattress was dirty. Ms. [redacted] refused delivery of the mattress and contacted Fingerhut the same day and the agent placed another order for the mattress per Ms. [redacted] request. When Ms. [redacted] opened the computer stand she realized there were parts missing and requested a postage paid label to return the computer stand. Ms. [redacted] also advised us she had not received the bed or the headboard. Ms. [redacted] advised the agent she no longer wanted the mattress, since she had not received the bed or the headboard and that she would return the computer stand when she received the postage paid label. Ms. [redacted] states she was advised she would receive full credit for the computer stand once we received the return. On January 20, 2017 Ms. [redacted] refused delivery of the second mattress. Ms. [redacted] states that she has spoken with Fingerhut at least three times after sending the items back and she has still not received full credit for all the items. Ms. [redacted] is requesting to receive full credit for all items on her account and to have no balance remaining. Our records indicate Ms. [redacted] placed her order on the website on December 28, 2016 and that all her items were shipped on December 29, 2016 in four separate shipments. On January 17, 2017 we received the return of the headboard. When the package was received there was no indication on the package from UPS that the item was undeliverable on three attempts and as such, no credit was issued for the original shipping and handling charges. Ms. [redacted] account was credited for $142.99. On January 20, 2017 we received the return of the platform bed. Since the tracking information indicates UPS attempted to deliver the item three times, the package was returned to Fingerhut and full credit was issued in the amount of $345.99. On January 31, 2017 credit was issued for the return of the original mattress which totaled $549.99. On February 9, 2017 we received the return of the second mattress and credit was issued for the cash price only of $379.99. On February 15, 2017 credit was issued for the return of the computer stand in the amount of $127.98. In our review of the tracking information on the second mattress and the headboard, we have credited the original shipping and handling since the items were never delivered to Ms. [redacted]. We have also credited the late fees and interest charges. The credits will be reflected on a future billing statement. We apologize for any inconvenience this has caused. If Ms. [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION March 14, 2017 Better Business...
Bureau 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. In Mr. [redacted]’s inquiry, he states that Fingerhut is refusing to close his account. Mr. [redacted] also states that he completed a claim with SafeLine Insurance Program due to his hours being cut down to only 4 days a month but was denied after filing appropriate papers to SafeLine. Mr. [redacted]’s desired resolution is to close his account, remove the credit line increase on his account and return the merchandise that was purchased. Upon review of Mr. [redacted]’s account we find that on February 27, 2017 we received written documentation requesting that his account closed which was processed on the same day. His account was marked ‘Closed – Customer Request’. As Mr. [redacted]’s account is closed, no new purchases will be allowed, but he is responsible to pay the balance on the account of $1,093.49. The next scheduled payment of $219.96 is due on April 7, 2017. We encourage payments be made on time so additional late fees will not accrue. Mr. [redacted] will not be able to return the merchandise he purchased for credit as the 90 day time frame has passed, according to our return policy. Our return policy can be found on our website located at the bottom, located under “Customer Service” and in our catalogs in the Blue Pages. SafeLine Plus is a 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. The monthly fee for the SafeLine Plus plan is $1.19 per $100 of the total balance of the WebBank/Fingerhut Credit Account at the end of each monthly billing cycle. This fee appears on each statement when there is a balance on the account being covered by the plan; it is located in the fees section of the statement. 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. In Mr. [redacted]’s inquiry he stated that he wanted the credit line increased removed, at this time we have no record of Mr. [redacted] requesting his credit limit be decreased. According to the “Terms and Conditions of a revolving account, we have the right to review for credit line increases. As stated above Mr. [redacted]’s account is now closed, he will not be receiving any further credit line increases. Our records indicate Mr. [redacted] opened his account on our website on September 29, 2016. Mr. [redacted] enrolled in SafeLine Account Protection Plan while placing a website order on November 5, 2016. Mr. [redacted] would have received the terms and conditions for his SafeLine Account Protection Plan, sent out the following day. After reviewing Mr. [redacted]’s account we show he notified us of his reduction in work hours on January 9, 2017, advising the change occurred on December 6, 2016. As the reduction was less than 20%, the claim was denied per the terms of SafeLine Plus, and he was informed on February 13, 2017. Please note that SafeLine services reviewed the documentation submitted by Mr. [redacted] and determined that it did not show a reduction in hours that meets the requirements for an approved benefit. The customer submitted a paycheck stub that does show payment, but it did not include the hours worked, nor does it show a reduction in the hours worked. Mr. [redacted]’s application indicates the hours he was working varied in nature to begin with, meaning he did not indicate he worked regularly scheduled hours. The paystubs also did not support one of the main requirements, which is that he was working in the job for 3 months preceding and that the reduction was over 30 days. Since the hours vary by nature, no hour reduction would not exist. If Mr. [redacted] has any questions about the benefit request, he may call SafeLine Services at ###-###-#### Monday – Friday, 8:00 am – 5:00 pm, Central Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
Initial Business Response /* (1000, 11, 2015/10/12) */
CONFIDENTIAL COMMUNICATION
October 9, 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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Records indicate Ms. [redacted] placed an order for a Jensen 6 in 1 Home Stereo System via the web on June 7, 2015. Our records indicate that Ms. [redacted] contacted us on June 15, 2015 indicting the cd would not open and she would return the item.
Records indicate Ms. [redacted] contacted us on June 24, 2015 and an affidavit of non-receipt of returned merchandise was sent to her. Ms. [redacted]'s account indicates she contacted us several times and was informed that she needed to return the completed affidavit.
Ms. [redacted]'s account indicates we received the Affidavit of non-receipt of returned merchandise on July 6, 2015 and a letter informing her that we did not receive the requested return receipt was sent to her on that same day.
Ms. [redacted]'s account indicates she contacted us on August 12, 2015 and stated she would send us the tracking results she received from the post office.
Our records indicate that we received the tracking results from Ms. [redacted] on August 25, 2015 and her claim was denied as tracking indicated the package was not shipped to the correct address.
As a courtesy, we have issued a full credit of $323.98 for the Jensen 6 in 1 Home Stereo System and a credit of $22.99 for related finance charges. Ms. [redacted] will see this credit on her October 24, 2015 billing statement.
Ms. [redacted]'s account indicates she had a balance on her account prior to her order for the Jensen 6 in 1 Home Stereo System. Ms. [redacted]'s account indicates we did not receive a minimum payment due on August 20, 2015 and September 20, 2015. Consequently, her account incurred three late fees. We strongly advise customers keep their account in good standing by making the minimum amount due each month, even while engaged in a dispute.
As a reminder, timely payments are important and the minimum payment is required by the due date each month. While we understand Ms. [redacted]'s frustration regarding returned merchandise, this was and is not sufficient grounds to relieve a customer of their payment obligation on outstanding debt.
Credit for late fees will not be issued and as Ms. [redacted] remained obligated to make at least the minimum amount due on her previous purchases, and because no payments were received, we cannot remove the past due payment history that has been reported to the credit agencies. Please understand that if we were to remove the negative history, we would be knowingly reporting inaccurate information to credit reporting agencies, which is a violation of the Fair Credit Reporting Act.
Ms. [redacted]'s current balance is $693.93 as of October 7, 2015.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca
Initial Consumer Rebuttal /* (2000, 13, 2015/10/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept refund from company. Thank,you I believe it is the correct response to do. Just a note where complaint wrote " package not sent to correct address" iI repeat its company label once usps took it I so not travel with packqge. Your label your address.
I,do appreciate refund but honestly stop trying,to put any,blame on me, can any,company just,say,they,are wrong just once. I also acknowledge miss payment (caught off guard by death in immediate family.) I accept responsibility for miss payment & late fees. I knew it,would happen when other things had to b taken care of. I also,acknowledge Ineed to catch up on my payments. I handled things the best,i,could. Right or,wrong at,that,moment.SEE Not so,hard to,admit it. Thank you BBC for your,help. Thank you to to the company for the refund I hope you put,this behind us now.
I am rejecting this response because:
they are lying. why don't they do inventory of this scooter like I asked them back then. I spoke to them many times and they just lie about everything.its amazing to me they actually stated they treat everyone the same meaning, they don't care
I am rejecting this response because:I should at least have a working computer for longer than there return period and they advertise the computer very favorably and the truth is the computer is not a quality product. shouldn't fingerhut stand behind the products it sells
I am rejecting this response because:I will accept...
the response if they correct the date in the letter to state they will accept the return if dated by May 25, 2018, as I received a phone message from Christina from the corporate office that they will be mailing out a return label to me as they were not able to email me the return label. She stated she would accept the return if post marked by the 25th to allow for mailing time. I just want the letter to reflect this detail or some other acknowledgement in writing that this is what Christina said. Other then that I am satisfied with the outcome.
Initial Business Response /* (1000, 5, 2015/09/11) */
CONFIDENTIAL COMMUNICATION
September 11, 2015
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.
Ms. [redacted] is correct, her monthly payment due date is the 3rd of each month. Ms. [redacted]'s account indicates we received payments from her on June 4, 2015, July 8, 2015, August 4, 2015 and September 3, 2015.
Our records indicate Ms. [redacted]'s statements were delivered to her via email at [redacted]@AOL.COM. The payment due date is indicated on each monthly statement.
Please understand that a late fee is assessed when a payment is received past the scheduled due date or when it does not meet the required amount due. Late fees for Fingerhut customers will be equal to the minimum amount due, but not more than $26 for the first time offense. If the customer is charged a second late fee within 6 months, it will not be more than $37. Ms. [redacted]'s account accrued several late fees for this reason, and interest charges accrued at the end of each billing cycle every month a balance was carried.
As a one- time courtesy we have issued a credit for two Late Fees to Ms. [redacted]'s account. She will see this credit on her October 7, 2015 billing statement.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca
Initial Consumer Rebuttal /* (2000, 7, 2015/09/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Since the issue was partly my fault....I accept their response. However, I do feel a charge of $37 is way to much for a 1 day late fee. That's what banks charge and they are not a bank. Thank you
for helping me solve this issue.
I am rejecting this response because:The item was returned and they are the administrators of their own systems. They can undo this intentional hit on my credit. I was not renting broken merchandise, yet they want me to pay some sort of a rental fee or fee for broken stuff. This is ridiculous. I know I will not do business with the con artists anymore. The ONLY reason I accepted an account with them was to rebuild my credit, and now they are ruining it for me because they wanted some money out of their overpriced broken piece of junk PC.This is terrible business and unprofessional.This PC was literally $200 more than EVERY other store not owned by Bluestem Group. I even asked them to drop the price a little for me. I didn't care to have the PC, then it came bent, dented, and scratched up. They are con artists who prey on people like me. I had to file bankruptcy due to divorce and an ex-wife who refused to assist me in paying bills, then she got child support even though we had 50/50 custody. In America, it doesn't matter what your reason is. I had to file bankruptcy and now I have to depend on installment loans, payday loans, fingerhut type companies, and high interest credit cards JUST to rebuild my credit. It gives the consumer absolutely NO power because businesses can behave like fingerhut. I made a poor choice in selecting them as a business I would work with, but forget that. I will only tarnish their name with the truth. They are a bunch of con-artists who take advantage of people.
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.
I am rejecting this response because: I have never had a contract with [redacted] and would like to see the original contract with this debt company. Is this not a violation of privacy information released to this company. I did not have a contract with [redacted] .
CONFIDENTIAL COMMUNICATION
March 24, 2016
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to an...
inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and an unordered merchandise affidavit.
Mr. [redacted] states in his complaint that there is a WebBank/Fingerhut credit account on his credit report that he believes is fraud. Mr. [redacted] is requesting more information about the account, specifically when the order was placed and what was ordered.
The WebBank/Fingerhut credit account ending in [redacted] was opened on September 28, 2014 when an application for credit was processed online. The name, phone number and email address on the application is the same one provided when contacting us regarding this issue.
One order was placed on September 28, 2014 for an XBOX One Console. The merchandise was shipped by Spee Dee to the address on the application.
A payment for $81.98 was processed on November 22, 2014 with a MasterCard debit card ending in [redacted]. The name on the card was [redacted]. The unpaid balance of $703.22 charged off on July 5, 2015 and the account was sold to [redacted] on August 4, 2015. [redacted] can be reached at ###-###-####.
According to our records, Mr. [redacted] spoke with Fingerhut on April 16, 2015. The account was verified and Mr. [redacted] stated he would pay off the account in May 2015.
The last record of speaking with Mr. [redacted] was July 3, 2015 in which he verified the account and stated he was unable to pay because he was waiting for a tax refund. After reviewing the call recording, Mr. [redacted] gave no indication he suspected this account was opened fraudulently.
An account review on March 18, 2016 confirmed that the credit bureaus are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance and past due of zero.
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 Mr. [redacted] believes this account was opened fraudulently, he can complete and return the attached unordered merchandise affidavit. We also ask that he file a police report and send both copies to the following address:
Fingerhut
Attn: Fraud Department
[redacted]
St. Cloud, MN 56303
Mr. [redacted] may also fax the affidavit and police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account.
Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation.
If Mr. [redacted] has further questions or concerns, he can contact the Fraud Department at ###-###-####. Their hours are Monday - Friday 8:00am - 6:00pm Central Time.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
Enclosures
I am rejecting this response because:
The company did not even read my complaint. I am NOT on a fresh start account. My sister is however. I have a regular account that you people blocked because I had hanged my recurring payments. I do not want my account blocked because I simply chose to pay my bill early. Perhaps read my complaint before responding next time. Again this has nothing to do with a fresh start account.
requested this account to be paid. You fail to recognize that your agents informed me that the account was charged off and they denied me to make a payment. I contacted Fingerhut in good faith last year to settle this. I informed you all that the bankruptcy was dismissed myself. If I had no intention of making this account right, I would have never called fingerhut after a 2 year debt. Even when I spoke to them last month, they stated you can make a payment but its charged off, its pointless. You are not accurately reporting anything to the credit bureaus. All I wanted to do was make this right and settle this debt.
I am rejecting this response because: It makes no sense. If I were to contact the company to open an account, it would happen immediately and I'd have a credit line to spend. But because I want my account closed, they're jerking me around. I will NEVER buy another thing from Fingerhut. Their quality is terrible, prices are outrageous, and they don't stand behind their merchandise. Saying they "can't close an online account" is absolute baloney! No further action is required. It's a waste of time but you can bet everyone I know will be warned about Fingerhut and their bogus business practices.
I am rejecting this response because:
While I appreciate that I got a response I must state that it is unacceptable because it has taken almost two weeks and only one of the two issues was addressed. While waiting on a response I went out and bought a new mattress and box springs. It is true that Pilot showed up at my home to deliver the mattress I had ordered, this I was not expecting as I had not been contacted by anyone except for Pilot (on the day of delivery) since this whole mess started.Today, 2 June 2016, I contacted Fingerhut customer service to cancel the replacement mattress. If it shows up anyway I'll just return it and that will hopefully be the end of that. I also inquired about the air conditioner and the "investigation" that was to take place after sending in an affidavit. I was told that there was no information available beyond it having been delivered (to the incorrect address) and that my affidavit had not been received. I have sent another affidavit as of today, and I have been told that a note would be placed on my account that it is "a concern of mine" on whether or not they get it. I will be following up on it tomorrow to ensure that it arrived.I am quite displeased with Fingerhut by now. At this point I just want the a/c unit or a refund. I don't think that is too much to ask.
Initial Business Response /* (1000, 5, 2015/07/30) */
CONFIDENTIAL COMMUNICATION
July 30, 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.
As stated in the inquiry and supported by our records, Mr. [redacted] ordered a Bounty Hunter Sharp Shooter II Detector Kit on July 6, 2015. The Order Line phone agent assisting him with placing the order applied promotion code 'E5474'. This was for a ten percent discount in the amount of $18.40, and it was immediately deducted from the order total upon being placed.
Please understand that our order servicing system is designed to accept one promotion code per order, in accord with our policy on promotion codes. If Mr. [redacted] had a second code for free shipping, it would not have qualified to be applied.
Mr. [redacted] sent an email on July 21, 2015 inquiring why he did not receive free shipping on the order, since he had received an advertised offer from us for it. On July 24, 2015 an agent replied by email stating, in part, "At different times we will offer this promotion and in order to take advantage of it, the free shipping promo code would need to be entered on the order. In addition, please note that only one promotional code can be applied to an order...however, as a one time exception, I am going to credit back the shipping on this order."
As a reassurance to Mr. [redacted], he received an account credit for the $19.99 shipping costs on July 24, 2015; it will reflect on a future monthly statement for his records.
Thank you for allowing us the opportunity to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2015/08/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Fingerhut seems to have a problem with Mathematics? My Balance before I ordered was $333.45. The product at the time of order was,$183.99-10%=$165.59. They said they would waive the Shipping and Handling of $19.99.They have my Balance listed at, $508.05 because of this. It should be,$499.04. Since this is leaving such a Bad Taste in my Mouth, I have until the 18th of August to return it. Thank-You, [redacted]
Final Business Response /* (4000, 9, 2015/08/10) */
CONFIDENTIAL COMMUNICATION
August 10, 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 further inquiry we received from your office on behalf of Mr. [redacted]
We agree that Mr. [redacted]'s balance would be $499.04 after applying the ten percent discount and the free shipping/handling; however, the interest charge on his most recent billing cycle was $9.01. $508.05 is the correct end balance as it is the sum of $499.04 plus the monthly interest charge.
$9.01 is the correct interest charge for Mr. [redacted]'s most recent billing cycle. As a reminder, interest will accrue monthly for as long as the account carries a balance, per the terms and conditions of the Agreement.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
I am rejecting this response because: this was my first order with this company and new credit. It stated Free shipping on your first order with an approved Gettington Credit Account.
I am rejecting this response because:The response...
does not state that they will correct the information on my credit report. I would like the correct information reported to the credit bureau and the late payments being reported to be removed from all credit reports/credit reporting agencies.
CONFIDENTIAL COMMUNICATION May 11, 2017 ...⇄ Better...
Business Bureau 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. In Ms. [redacted]’s complaint, she states she placed an order for a digital camera on February 18, 2017, and received it around March 18, 2017. Ms. [redacted] did not use the item until the last week of March through the first week of April. When informed, customer service stated the item had passed the 30 day return policy and was returning the item to Ms. [redacted]. After reviewing Ms. [redacted]’s account, we show Ms. [redacted] placed an order on February 18, 2017 for the Polaroid Camera Bundle. Tracking shows, the item was delivered to Ms. [redacted] on February 28, 2017. Ms. [redacted] contacted us on April 28, 2017 by email stating the item was not working correctly and that she returned the item for a refund. We received her return item on May 1, 2017. Because the item was returned to us after our 30 day home trial period, the item is being returned to Ms. [redacted]. We shipped the item back to her on May 5, 2017. She can expect to receive the item within 45 days and can track the package by using the tracking number #[redacted] at http://www.fedex.com/us. The camera has a limited manufacturer warranty with it. We recommend Ms. [redacted] contact Polaroid at ###-###-#### for further assistance with the item. Please see attachment for further details. Sincerely, Vi [redacted]Executive Care Team VF/AH
CONFIDENTIAL COMMUNICATION November 25, 2016 Revdex.com of...
Minnesota �...⇄ Attn: Ms. [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #:[redacted] Dear Ms. [redacted], I am writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut credit account. Mr. [redacted] states he told Fingerhut his payment would be a day or two late, but he would be paying the remaining balance of $132.40. Mr. [redacted] further states when he called to make the payment, he was told the balance was now $147.39. Mr. [redacted] states he will not be doing any more business with Fingerhut and is requesting a full refund of all the extra charges. According to our records, the balance reflected on the October 17, 2016 statement was $132.40. As the minimum payment of $14.99 was not received by the due date on November 13, 2016, Mr. [redacted] was charged a $14.99 late fee. This charge brought the account balance to $147.39. On November 14, 2016, Mr. [redacted] made a payment in the amount of $147.39 which brought his account balance to zero. This balance is reflected on Mr. [redacted]’ November 17, 2016 statement. As a courtesy, on November 22, 2016, Fingerhut issued a credit for the $14.99 late fee charged to Mr. [redacted]’ account on November 13, 2016. Although already applied to the account, the credit will reflect on a future monthly billing statement for Mr. [redacted]’ records. 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 Mr. [redacted]’ expectations. If we can be of further assistance, Mr. [redacted] may contact our Customer Service Department at ###-###-#### Monday through Friday 8am to 8pm CST. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/lg
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 inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] indicates she placed an order for a mattress, computer stand, platform bed with under dresser and a headboard. When Ms. [redacted] was contacted by the delivery company, they advised her the packaging on the mattress was ripped and the mattress was dirty. Ms. [redacted] refused delivery of the mattress and contacted Fingerhut the same day and the agent placed another order for the mattress per Ms. [redacted] request. When Ms. [redacted] opened the computer stand she realized there were parts missing and requested a postage paid label to return the computer stand. Ms. [redacted] also advised us she had not received the bed or the headboard. Ms. [redacted] advised the agent she no longer wanted the mattress, since she had not received the bed or the headboard and that she would return the computer stand when she received the postage paid label. Ms. [redacted] states she was advised she would receive full credit for the computer stand once we received the return. On January 20, 2017 Ms. [redacted] refused delivery of the second mattress. Ms. [redacted] states that she has spoken with Fingerhut at least three times after sending the items back and she has still not received full credit for all the items. Ms. [redacted] is requesting to receive full credit for all items on her account and to have no balance remaining. Our records indicate Ms. [redacted] placed her order on the website on December 28, 2016 and that all her items were shipped on December 29, 2016 in four separate shipments. On January 17, 2017 we received the return of the headboard. When the package was received there was no indication on the package from UPS that the item was undeliverable on three attempts and as such, no credit was issued for the original shipping and handling charges. Ms. [redacted] account was credited for $142.99. On January 20, 2017 we received the return of the platform bed. Since the tracking information indicates UPS attempted to deliver the item three times, the package was returned to Fingerhut and full credit was issued in the amount of $345.99. On January 31, 2017 credit was issued for the return of the original mattress which totaled $549.99. On February 9, 2017 we received the return of the second mattress and credit was issued for the cash price only of $379.99. On February 15, 2017 credit was issued for the return of the computer stand in the amount of $127.98. In our review of the tracking information on the second mattress and the headboard, we have credited the original shipping and handling since the items were never delivered to Ms. [redacted]. We have also credited the late fees and interest charges. The credits will be reflected on a future billing statement. We apologize for any inconvenience this has caused. If Ms. [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION March 14, 2017 Better Business...
Bureau 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. In Mr. [redacted]’s inquiry, he states that Fingerhut is refusing to close his account. Mr. [redacted] also states that he completed a claim with SafeLine Insurance Program due to his hours being cut down to only 4 days a month but was denied after filing appropriate papers to SafeLine. Mr. [redacted]’s desired resolution is to close his account, remove the credit line increase on his account and return the merchandise that was purchased. Upon review of Mr. [redacted]’s account we find that on February 27, 2017 we received written documentation requesting that his account closed which was processed on the same day. His account was marked ‘Closed – Customer Request’. As Mr. [redacted]’s account is closed, no new purchases will be allowed, but he is responsible to pay the balance on the account of $1,093.49. The next scheduled payment of $219.96 is due on April 7, 2017. We encourage payments be made on time so additional late fees will not accrue. Mr. [redacted] will not be able to return the merchandise he purchased for credit as the 90 day time frame has passed, according to our return policy. Our return policy can be found on our website located at the bottom, located under “Customer Service” and in our catalogs in the Blue Pages. SafeLine Plus is a 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. The monthly fee for the SafeLine Plus plan is $1.19 per $100 of the total balance of the WebBank/Fingerhut Credit Account at the end of each monthly billing cycle. This fee appears on each statement when there is a balance on the account being covered by the plan; it is located in the fees section of the statement. 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. In Mr. [redacted]’s inquiry he stated that he wanted the credit line increased removed, at this time we have no record of Mr. [redacted] requesting his credit limit be decreased. According to the “Terms and Conditions of a revolving account, we have the right to review for credit line increases. As stated above Mr. [redacted]’s account is now closed, he will not be receiving any further credit line increases. Our records indicate Mr. [redacted] opened his account on our website on September 29, 2016. Mr. [redacted] enrolled in SafeLine Account Protection Plan while placing a website order on November 5, 2016. Mr. [redacted] would have received the terms and conditions for his SafeLine Account Protection Plan, sent out the following day. After reviewing Mr. [redacted]’s account we show he notified us of his reduction in work hours on January 9, 2017, advising the change occurred on December 6, 2016. As the reduction was less than 20%, the claim was denied per the terms of SafeLine Plus, and he was informed on February 13, 2017. Please note that SafeLine services reviewed the documentation submitted by Mr. [redacted] and determined that it did not show a reduction in hours that meets the requirements for an approved benefit. The customer submitted a paycheck stub that does show payment, but it did not include the hours worked, nor does it show a reduction in the hours worked. Mr. [redacted]’s application indicates the hours he was working varied in nature to begin with, meaning he did not indicate he worked regularly scheduled hours. The paystubs also did not support one of the main requirements, which is that he was working in the job for 3 months preceding and that the reduction was over 30 days. Since the hours vary by nature, no hour reduction would not exist. If Mr. [redacted] has any questions about the benefit request, he may call SafeLine Services at ###-###-#### Monday – Friday, 8:00 am – 5:00 pm, Central Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
Initial Business Response /* (1000, 11, 2015/10/12) */
CONFIDENTIAL COMMUNICATION
October 9, 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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Records indicate Ms. [redacted] placed an order for a Jensen 6 in 1 Home Stereo System via the web on June 7, 2015. Our records indicate that Ms. [redacted] contacted us on June 15, 2015 indicting the cd would not open and she would return the item.
Records indicate Ms. [redacted] contacted us on June 24, 2015 and an affidavit of non-receipt of returned merchandise was sent to her. Ms. [redacted]'s account indicates she contacted us several times and was informed that she needed to return the completed affidavit.
Ms. [redacted]'s account indicates we received the Affidavit of non-receipt of returned merchandise on July 6, 2015 and a letter informing her that we did not receive the requested return receipt was sent to her on that same day.
Ms. [redacted]'s account indicates she contacted us on August 12, 2015 and stated she would send us the tracking results she received from the post office.
Our records indicate that we received the tracking results from Ms. [redacted] on August 25, 2015 and her claim was denied as tracking indicated the package was not shipped to the correct address.
As a courtesy, we have issued a full credit of $323.98 for the Jensen 6 in 1 Home Stereo System and a credit of $22.99 for related finance charges. Ms. [redacted] will see this credit on her October 24, 2015 billing statement.
Ms. [redacted]'s account indicates she had a balance on her account prior to her order for the Jensen 6 in 1 Home Stereo System. Ms. [redacted]'s account indicates we did not receive a minimum payment due on August 20, 2015 and September 20, 2015. Consequently, her account incurred three late fees. We strongly advise customers keep their account in good standing by making the minimum amount due each month, even while engaged in a dispute.
As a reminder, timely payments are important and the minimum payment is required by the due date each month. While we understand Ms. [redacted]'s frustration regarding returned merchandise, this was and is not sufficient grounds to relieve a customer of their payment obligation on outstanding debt.
Credit for late fees will not be issued and as Ms. [redacted] remained obligated to make at least the minimum amount due on her previous purchases, and because no payments were received, we cannot remove the past due payment history that has been reported to the credit agencies. Please understand that if we were to remove the negative history, we would be knowingly reporting inaccurate information to credit reporting agencies, which is a violation of the Fair Credit Reporting Act.
Ms. [redacted]'s current balance is $693.93 as of October 7, 2015.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca
Initial Consumer Rebuttal /* (2000, 13, 2015/10/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept refund from company. Thank,you I believe it is the correct response to do. Just a note where complaint wrote " package not sent to correct address" iI repeat its company label once usps took it I so not travel with packqge. Your label your address.
I,do appreciate refund but honestly stop trying,to put any,blame on me, can any,company just,say,they,are wrong just once. I also acknowledge miss payment (caught off guard by death in immediate family.) I accept responsibility for miss payment & late fees. I knew it,would happen when other things had to b taken care of. I also,acknowledge Ineed to catch up on my payments. I handled things the best,i,could. Right or,wrong at,that,moment.SEE Not so,hard to,admit it. Thank you BBC for your,help. Thank you to to the company for the refund I hope you put,this behind us now.
I am rejecting this response because:
they are lying. why don't they do inventory of this scooter like I asked them back then. I spoke to them many times and they just lie about everything.its amazing to me they actually stated they treat everyone the same meaning, they don't care
I am rejecting this response because:I should at least have a working computer for longer than there return period and they advertise the computer very favorably and the truth is the computer is not a quality product. shouldn't fingerhut stand behind the products it sells
I am rejecting this response because:I will accept...
the response if they correct the date in the letter to state they will accept the return if dated by May 25, 2018, as I received a phone message from Christina from the corporate office that they will be mailing out a return label to me as they were not able to email me the return label. She stated she would accept the return if post marked by the 25th to allow for mailing time. I just want the letter to reflect this detail or some other acknowledgement in writing that this is what Christina said. Other then that I am satisfied with the outcome.
Initial Business Response /* (1000, 5, 2015/09/11) */
CONFIDENTIAL COMMUNICATION
September 11, 2015
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.
Ms. [redacted] is correct, her monthly payment due date is the 3rd of each month. Ms. [redacted]'s account indicates we received payments from her on June 4, 2015, July 8, 2015, August 4, 2015 and September 3, 2015.
Our records indicate Ms. [redacted]'s statements were delivered to her via email at [redacted]@AOL.COM. The payment due date is indicated on each monthly statement.
Please understand that a late fee is assessed when a payment is received past the scheduled due date or when it does not meet the required amount due. Late fees for Fingerhut customers will be equal to the minimum amount due, but not more than $26 for the first time offense. If the customer is charged a second late fee within 6 months, it will not be more than $37. Ms. [redacted]'s account accrued several late fees for this reason, and interest charges accrued at the end of each billing cycle every month a balance was carried.
As a one- time courtesy we have issued a credit for two Late Fees to Ms. [redacted]'s account. She will see this credit on her October 7, 2015 billing statement.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca
Initial Consumer Rebuttal /* (2000, 7, 2015/09/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Since the issue was partly my fault....I accept their response. However, I do feel a charge of $37 is way to much for a 1 day late fee. That's what banks charge and they are not a bank. Thank you
for helping me solve this issue.
I am rejecting this response because:The item was returned and they are the administrators of their own systems. They can undo this intentional hit on my credit. I was not renting broken merchandise, yet they want me to pay some sort of a rental fee or fee for broken stuff. This is ridiculous. I know I will not do business with the con artists anymore. The ONLY reason I accepted an account with them was to rebuild my credit, and now they are ruining it for me because they wanted some money out of their overpriced broken piece of junk PC.This is terrible business and unprofessional.This PC was literally $200 more than EVERY other store not owned by Bluestem Group. I even asked them to drop the price a little for me. I didn't care to have the PC, then it came bent, dented, and scratched up. They are con artists who prey on people like me. I had to file bankruptcy due to divorce and an ex-wife who refused to assist me in paying bills, then she got child support even though we had 50/50 custody. In America, it doesn't matter what your reason is. I had to file bankruptcy and now I have to depend on installment loans, payday loans, fingerhut type companies, and high interest credit cards JUST to rebuild my credit. It gives the consumer absolutely NO power because businesses can behave like fingerhut. I made a poor choice in selecting them as a business I would work with, but forget that. I will only tarnish their name with the truth. They are a bunch of con-artists who take advantage of people.
CONFIDENTIAL COMMUNICATION June 6, 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.
I am rejecting this response because: I have never had a contract with [redacted] and would like to see the original contract with this debt company. Is this not a violation of privacy information released to this company. I did not have a contract with [redacted] .
CONFIDENTIAL COMMUNICATION
March 24, 2016
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to an...
inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and an unordered merchandise affidavit.
Mr. [redacted] states in his complaint that there is a WebBank/Fingerhut credit account on his credit report that he believes is fraud. Mr. [redacted] is requesting more information about the account, specifically when the order was placed and what was ordered.
The WebBank/Fingerhut credit account ending in [redacted] was opened on September 28, 2014 when an application for credit was processed online. The name, phone number and email address on the application is the same one provided when contacting us regarding this issue.
One order was placed on September 28, 2014 for an XBOX One Console. The merchandise was shipped by Spee Dee to the address on the application.
A payment for $81.98 was processed on November 22, 2014 with a MasterCard debit card ending in [redacted]. The name on the card was [redacted]. The unpaid balance of $703.22 charged off on July 5, 2015 and the account was sold to [redacted] on August 4, 2015. [redacted] can be reached at ###-###-####.
According to our records, Mr. [redacted] spoke with Fingerhut on April 16, 2015. The account was verified and Mr. [redacted] stated he would pay off the account in May 2015.
The last record of speaking with Mr. [redacted] was July 3, 2015 in which he verified the account and stated he was unable to pay because he was waiting for a tax refund. After reviewing the call recording, Mr. [redacted] gave no indication he suspected this account was opened fraudulently.
An account review on March 18, 2016 confirmed that the credit bureaus are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance and past due of zero.
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 Mr. [redacted] believes this account was opened fraudulently, he can complete and return the attached unordered merchandise affidavit. We also ask that he file a police report and send both copies to the following address:
Fingerhut
Attn: Fraud Department
[redacted]
St. Cloud, MN 56303
Mr. [redacted] may also fax the affidavit and police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account.
Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation.
If Mr. [redacted] has further questions or concerns, he can contact the Fraud Department at ###-###-####. Their hours are Monday - Friday 8:00am - 6:00pm Central Time.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
Enclosures
I am rejecting this response because:
The company did not even read my complaint. I am NOT on a fresh start account. My sister is however. I have a regular account that you people blocked because I had hanged my recurring payments. I do not want my account blocked because I simply chose to pay my bill early. Perhaps read my complaint before responding next time. Again this has nothing to do with a fresh start account.
I am rejecting this response because:I been...
requested this account to be paid. You fail to recognize that your agents informed me that the account was charged off and they denied me to make a payment. I contacted Fingerhut in good faith last year to settle this. I informed you all that the bankruptcy was dismissed myself. If I had no intention of making this account right, I would have never called fingerhut after a 2 year debt. Even when I spoke to them last month, they stated you can make a payment but its charged off, its pointless. You are not accurately reporting anything to the credit bureaus. All I wanted to do was make this right and settle this debt.