CONFIDENTIAL COMMUNICATION April 5, Revdex.com of
Minnesota Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, I am writing in response to an inquiry received from your office on behalf of Mr*** *** regarding his Fingerhut FreshStart Installment Loan account provided by WebBankMr*** states he had set up a Fingerhut account in December and set up automatic payments on his accountHe further states he wasn’t notified the payments were not being processed and his account was charged off and sold to another lenderMr***’s desired resolution is to have the Fingerhut trade line removed from his credit reportingOur records indicate that on November 28, 2014, an application for credit was processed online using Mr***’s name, address and social security numberOn November 28, an order was placed with a representative for a MEGA BLOKS 1-2-Learning Train 44-PcSet, Crayola Grow with Me Easel, Fisher-Price Chatter Telephone Pull Toy, DC Friends Wheelies Ride-On, Hasbro Elmo Junction, My Food Basket 23-PcSet and a 12-PcPlay Housekeeping SetThe merchandise was shipped December 5, via UPS to the same address as provided on the applicationWe have received a total of four payments on this account including the required $down paymentThe last payment was received online on April 22, totaling $Our records indicate no further payments or payment arrangements were made. The unpaid balance of $charged off on October 10, and the account was sold to *** *** *** on October 29, Our records further indicate, notices regarding the past due status of Mr***’s account were sent to *** *** *** ** ** Puyallup, WA on June 17, 2015, June 25, 2015, July 2, 2015, August 2, 2015, August 21, and October 2, Monthly statements were sent as wellWe have included copies of the correspondence for your referenceMultiple attempts were also made to contact Mr*** at the phone numbers associated with the account while his account was in a delinquent status but we were unsuccessful in reaching Mr***An account review completed on March 29, confirms the credit bureaus are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zeroWe cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Mr***’s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as wellIf Mr*** has questions about what *** *** *** may be reporting, he may contact them directly at ###-###-####Thank you for the opportunity to explainSincerely, Kari *** Executive Care Team KD/sa Enclosures
I am rejecting this response because:
I do not believe this is fair to me due to the fact that this decrease has effected my credit rather dramaticallyI will be filing a civil complaint this weekThank you
I am rejecting this response because:
The letter states that the email I sent them said and my credit limit is As originally stated I applied and I didn’t accept the offerWhen I received the email regarding free shipping I went back online and completed an orderAfter putting in my information it said my credit line was the which was higher then beforeSince I have sent this complaint I have received numerous more emails asking me to order and I would receive free shippingFingerhut has sent two more promo codes for thisThis is extremely unacceptableI have proof of all letters and emails sent and the company is refusing to make a simple adjustment
I am rejecting this response because: I received yet ANOTHER email for *** ** *** on April 15th, which is dated later than the company reply of April 14. Hopefully this is an oversight by them, but I want to be sure they remove meThanks for follow up and your help! Much appreciated
I am rejecting this response because:
They are incorrect and I have argued with them And I have made payments they have not even postedAnd then say there late , I have sent this many times
I am rejecting this response because:I did
send affidavit and they closed the case, I never recieved affidavit at currant address
, UPS investigated and verified only box was sitting at old address and Fingerhut is in wrong for sending to that addressMy first order came to correct address and their representative was told then never to send anything to Akron cause ni one lived there from this household and that house was vacant at that timeShe was suppose to update all that info thenI was never showed a page with mailing address when second large order was placed online because it went directly to order placedI want affiadavit sent to present address No I'm not going to satisfied until they correct their mistake.Even UPS said they were in fault because they put wrong mailing label on it and that I would have to deal with Fingerhut to get it corrected
Initial Business Response /* (1000, 5, 2015/12/14) */
CONFIDENTIAL COMMUNICATION
December 11,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am
writing in response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
We sincerely apologize Mr*** had a negative experience with one of our representativesIt is vital that our agents avoid any instance in which a customer could be made to feel they are not being listened to or mistreated
In an effort to prevent unauthorized account activity, the Credit Risk Department takes certain measures, on an ongoing basis, to validate customer account informationIf after comparing it with the information provided by their outside sources they have strong evidence of a discrepancy, the order is held until the account can be fully validatedThis also includes intercepting recently shipped/in route orders, which is what occurred with Mr***'s order from November 18, We apologize if this process was not adequately explained to Mr***
Our records indicate Mr*** spoke with a credit risk representative by phone on December 1, regarding his recent address change to ***., Port Saint Lucie, FL The verification process was successfully completed at this time, and the representative removed the "hold" on the account
On December 5, records show Mr*** placed an order by phone for an Ashley Ralene 4-Piece Dining Set and an additional Set of Ashley Ralene Side ChairsEmails with shipment tracking information were sent to Mr***'s email on file (***@gmail.com) at the time the items were shipped, so that he can monitor the delivery progress of the table set
We have issued a discount in the amount of $to the shipping/handling charge as a goodwill gestureThis has already been applied to the account and will reflect on a future monthly statement for Mr***'s records
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2015/12/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This company is completely ignoring every single issue I have addressedWe absolutely will not notify about the fraud until we called inAfter the hold was lifted what was not lifted and tell about speaking with at least five agents and getting not one call backWe then tried to place an order nine timesAnother hold was put on our account after the first hold was removed and none of the agents that tried to place this order could figure out why it was not being submitted the fraud department said they had no hold on it we got not one clear answerIn fact the order that you have that was shipped was not placed until several days after this complaint was madeThe $credit you speak of was offered to us nine times again before this complaint was ever madeI think it's disgusting that your treat your customers the way you do no call backs nothingThis is the first time we have heard from anyone and it's a shame that had to be through the Revdex.comThe stress and anxiety that came from your company is ridiculousBy the way the request for supervisor call back that according to your agent was written down and put in a piece of paper and put into a box has not been responded to yetI guess if you don't come to the Revdex.com you will not ever receive a call back from the supervisor as promisedNothing has been done by your company to resolve any situationFYI as I mentioned my wife works in retention management and before ever replying to a Revdex.com complaint she would have given the customer a phone callMaybe you guys should hire my wife or ask her for references on how to handle customers that have fallen through the cracks of your faulted customer service departmentThank you for doing absolutely nothing to reach out to us to resolve this issueThe credit you are speaking of was issued by the agent that tried to place the order at least seven timesYour company has done nothing absolutely nothing to resolve this issue we are still waiting for the supervisor call back
Final Business Response /* (4000, 9, 2015/12/21) */
CONFIDENTIAL COMMUNICATION
December 21,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the further inquiry we received from your office on behalf of Mr*** ***
We deeply regret that callbacks were not made to either Mror Mrs***However, since our last response, a representative from the Executive Care Department has been in contact with Mrs*** to address these issues and keep watch over the table set order
Our records indicate that the chairs and bench were delivered by UPS on December 11, and the table was delivered on December 18, by Pilot Freight
The representative assisting Mrs*** will be contacting her again shortly at the number agreed upon if they have not done so alreadyThis is to ensure that any further concerns will be addressed without delay
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
Final Consumer Response /* (2000, 11, 2016/01/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The printed copies of the documentation (18) pages, has been faxed to Becky at the fax number provided in their response as requested on 3-14-It is my intention, to also overnight copies of the documentation of the purchase picturing the Protector Safe by First Alert, to Becky on 3-16-Becky should receive them by 3-17-2016.I will request a signature to insure the documents were received
I am rejecting this response because:
It is clear that I paid that account yet they continued to report me and *** continued to, as well*** *** *** says they did not receive that last payment made to Fingerhut and they have added interest to it since thenI just need someone to correct this account that shows as still being owed by mePlease tell me what I can do since the collection company Fingerhut used will not correct and says they never got the moneyIt is not fair for me to have to pay two companies for the same debtThis is not settledOnce again, a big company has squashed a little person and they don't care*** laughs and acts so rude when I talk with themThey say Fingerhut has to fix thisI am sure that Fingerhut has a contract with *** and they can control what they are doingI will not be satisfied until this is totally corrected
I am rejecting this response because:I ordered beds for price advertised, why should I pay another dime! Fingerhut should send remaining parts as they agreed ! Who holds companies accountable for posting wrong prices on Internet!!!!! *** ***
Initial Business Response /* (1000, 5, 2015/12/22) */
CONFIDENTIAL COMMUNICATION
December 22,
Revdex.com of Minnesota # ***
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms
***,
I am writing in response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate Mr*** purchased a Techni Mobili Modern Computer Workstation on November 8, This product was returned to Fingerhut on November 23, The full purchase price of $was credited to Mr***'s account
On November 12, Mr*** purchased a 18V Cordless Drill and a Sunny Exercise WheelThe cordless drill was returned on December 1, and the full merchandise price of $was credited to Mr***'s account as well as the shipping and handling charges of $The exercise wheel was returned on December 17, and $was credited to his account for the full merchandise priceMr*** was required to pay for the original shipping/handling for this item, as our 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." The merchandise was sent back to us for a "non-qualifying" reasonMr*** did not include a reason the item was being returned
As a one time courtesy on December 17, we have waived the shipping and handling on the exercise wheelA credit of $was given to Mr***
In regards to the SafeLine Plus fee, our records indicate that Mr*** applied for a WebBank/Fingerhut Credit Account on November 6, onlineOn November 8, Mr*** accepted and enrolled in SafeLine Plus Account Protection Plus (SafeLine Plus) when placing his order online at www.fingerhut.comMr*** would have received terms and conditions for his SafeLine Plus plan, sent out the following day
The SafeLine Plus Account Protection Plus is a program designed to help should Mr*** experience a covered event like becoming unemployed, disabled, a major life event, or change in primary residence impact the account holderWhen 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 to months, depending on the benefitFor 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) provided all conditions are met
The monthly fee for SafeLine Plus is $per $of the total balance at the end of each monthly billing cycleThis fee appears on each statement when there is a balance on the account being covered by the planIt 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 creditsIf our customers feel that there is an error in billing, we can review the error with our customer at that time
As a courtesy to Mr*** we have waived the $late fee on December 22, that was assessed on December 9,
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 7, 2016/01/05) */
CONFIDENTIAL COMMUNICATION
August 11,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Mr*** ***
Case #: ***
Dear Ms***,
I am writing in response to
an inquiry received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Credit Account
Mr*** states that Trans Union has deleted the WebBank Fingerhut trade line from the credit report, but the trade lines are still reporting on both Equifax and ExperianMr***' desired resolution is for Fingerhut to delete the trade lines from Equifax and Experian
According to our records, an application for credit with Fingerhut was processed with Mr***' personally identifiable information on February 5, Mr*** was approved for a Fingerhut FreshStart account with a credit limit of $
The only order placed was on November 9, for a Skechers Women's Centennial Shoe Wide-Size 10, a Dirty Laundry Women's Pitch Suede Bootie-size 10, and a Lea Apparel Women's Marled Knit Sweater Coat - size 3xl
We referred Mr***' concern to our Credit Risk Department for further review and they determined that the account should be deleted from Mr***' credit bureau report for reason of fraud
On August 10, 2015, a request was sent to the credit bureaus to delete the remaining trade lines(Ref: ***) Please allow up to thirty days for the bureaus to update this information
A phone conversation with Trans Union confirmed that the Fingerhut trade line was deleted on December 24,
During our research, we were also able to locate an additional inquiry for credit in Mr***' name
On August 10, a letter was sent to Mr***' address of *** *** ***, Houston, TX notifying him that the inquiry on his credit report was referred to Equifax Credit Services, TransUnion L.L.C., and Experian Information Solutions, Incfor removal; please allow 60-days for the information to be removedAdditionally, Mr***' information has been marked for our system to instantly recognize, flag, and block similar attempts in the future, should they occur
If Mr*** has any further questions or concerns, he can contact the Fraud Department at ###-###-####Their hours are Monday - Friday 8:00am - 4:30pm Central Time
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/lg
Initial Business Response /* (1000, 5, 2015/10/23) */
CONFIDENTIAL COMMUNICATION
October 23,
# ***
Revdex.com of Minnesota
Attn: ***
***
S River Ridge Circle
Burnsville, MN
Re: Case # *** ***, ***
Dear Ms***,
I am writing in response to the recent inquiry that we received from your office on behalf of Ms*** *** regarding a WebBank/Gettington Credit Account
Our records indicate on June 30, Ms*** purchased a Zeki 7" 8GB Android TabletOn September 28, Ms*** contacted Gettington stating the tablet was not working properlyAt this time Ms*** was told she would need to contact the products manufacturer as we require returns to be make in accordance with Gettington's return policy which states:
"We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are non refundableComputers, tablets, e-readers, camcorders, electronic gaming systems, air conditioners, holiday decorations, heaters, and generators have to be returned within the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchange or accept returnsOther product concerns must be handled under manufacturers' warrantySoftware and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanged are permitted for the identical product only."
Our phone agent correctly advised Ms*** that any requests to repair or replace the device should be referred to and handled by the manufacturerFor all concerns with this product Mr*** should contact Zeki ***
Thank you for allowing us to explain and assist
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 7, 2015/10/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
in response, I contacted zeki, the manufacturer and they did exchange the tablet for a new onethis tablet defected also as citedapparently gettington is selling defective merchandise and this is why im asking for a refundi did contact zeki again and they offered to exchange again but I declined.that is two new tablets, same brand name and they both defect in the same mannerit is unfair that I paid for a new tablet and it is defective and then I was mislead because both tablets in all other aspects worked
Final Business Response /* (4000, 9, 2015/10/27) */
CONFIDENTIAL COMMUNICATION
October 27,
#***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** ***, ***
Dear Ms***,
I am writing in response to the further inquiry that we received from your office on behalf of Ms*** *** regarding a WebBank/Gettington Credit Account
As we stated in our last letter, Gettington is unable to refund Ms*** for the Zeki 7" 8GB Android Tablet due to the amount of time that has passed since her purchase as we do require returns to be make in accordance to the Gettington return policy
Ms*** should contact Zeki for any requests to repair or replace the device
Thank you for allowing us to explain and assist
Sincerely,
Vi ***
Executive Care Team
VF/KS
Dear Ms***: I am in receipt of your letter dated June 15, 2016, regarding the above-referenced matter. The complainant's facts are in dispute and erroneousAny fee earned by my company was justly earned in accordance with a written contract between the parties. I have
contacted and responded to the complainant in a similar fashion. Please contact me if you need any further information. Sincerely, CREDIT ADJUSTMENT BOARD, INC
Initial Business Response /* (1000, 5, 2016/02/11) */
CONFIDENTIAL COMMUNICATION
February 11,
Revdex.com of Minnesota # ***
Attn: Ms*** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms*** ***
Case #: ***
Dear Ms***,
We are writing in response to an inquiry received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, Terms and Conditions, credit application and all five monthly statements
In Ms***'s complaint, she states that she ordered merchandise from Fingerhut in September, totaling $She further states she has made payments of $in October, $in November, $in December and her bill, this month, was for $Ms***'s desired resolution is an explanation of her account balance
Our records indicate the WebBank/Fingerhut credit account ending in was opened on August 27, 2015, when an application for credit was processed with a representativeAn order was placed on September 14, for a Haier 65-Pint Electric Dehumidifier, alcove Microfiber 84" x 84" Window in a BagChocolate, alcove Kellen 8pc Bed Set - Queen, alcove Briar Comforter Set + Free Sheet Set KingBriar, and an alcove Devereau 20pc Bedroom Set - QueenThe purchase made on September 14, 2015, totaled $
According to our records, payments were made for $on October 23, and $on December 1, from a Visa debit card ending in To date, no further payments have been received
Ms***'s payment due date is the fifteenth of each month
Please note that when a payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is receivedAdditionally, we may charge a late fee and interest charges will accrue on the balance owed
As of February 11, 2016, Ms***'s WebBank/Fingerhut credit account balance is $with a past due of $
To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a minimum payment of $is due by February 15,
If Ms*** is unable to make the full minimum due, her account may qualify for a payment plan
Ms*** may contact our Billing Department at *** to discuss payment optionsTheir hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Time
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa
Enclosures
Initial Consumer Rebuttal /* (2000, 7, 2016/02/22) */
CONFIDENTIAL COMMUNICATION September 8,
# *** Revdex.com of Minnesota Attn: *** *** S River Ridge Circle Burnsville, MN Re: Case # ***- ***, *** Dear Ms***, I am writing in response to the recent inquiry that we received from your office on behalf of Mr*** regarding a WebBank/Gettington Credit Account Mr*** states he accidently made a payment for the full balance amountThis has resulted in overdraft fees from his bank due to Gettington not being able to reverse the paymentHe would like to have this payment he made reversed and any overdraft fees to be creditedMr*** also states that there should be security measures in place to ensure this cannot happen Our records indicate Mr*** made a payment in the amount of $through our website on August 21, He contacted Gettington on August 22, stating he made a payment accidentlyOn August 29, Mr*** was told he would need to contact his bank to get the payment reversed Per Mr***’s request, on September 8, the amount of $has been refunded to Mr***’s credit card ending in ***He should allow 3-business days to receive this refundWe were able to refund the payment amount, however for any overdraft fees, Mr*** will need to contact his bank to have them reversed In regards to Mr***’s concern about security, please be advised that we take account security very seriously, and have rigorous measures in place to protect our customer’s accounts, such as multi-factor authentication and password protectionThere is responsibility on the customer to ensure they are practicing safe online measures, such as signing out of one’s account If Mr*** has any further questions he may contact Gettington Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time Thank you for allowing us to explain and assist Sincerely, Vi *** Executive Care Team
I am rejecting this response because: I made 2/
payment above the minimal requested monthly payment required as to obtain credit worthiness and stay current/pay-off my Fingerhut personal account.As a "valued customer" , I was not knowlegable and/or nformed by Fingerhut Customer Service regarding the repair/return policy regarding the Smart Kurios I purchased which are still inoperable.Credit Report information must be valid and accurate as I agreed in accepting credit (phone) from Fingerhut; which did not happen in this experience Upon inception of my Fingerhut, records show that I have demonstrated my creditworthiness and integrity and paid my account beyond their expectationsAny "privileges" I have received from Fingerhut regarding of reversal late fees were warranted I did not owe any late fees My monthly payment history reflects it Making monthly payments in advance 2/ more times the required minimal amount demonstrates my integrity and credit worthiness.Please forward me a copy of my credit rating/information recorded on my account to all three credit bureaus with respect to Fingerhut account since inceptionThis information/document was not included in the Business Response which is important/vital in hopes to resolve this case Your immediate response is appreciated. Many thanks!
I am rejecting this response because:
This is absolutely preposterous! You've added late fees to the fraudulently-opened account because I haven't filed a police report?! My identity was stolen, and a seven year free-of-charge credit report security lock was implemented by Bank of America because they validated the fraudulent identity theftThe USPS also opened a case as they took this case very seriously.I am literally speechless after reading your responseYou're treating me like the criminal who stole my identity! The person lives in Southern California at the address I provided previouslyHis phone number was on the shipping label of the TV you sent to my house! The reason the USPS was involved was because this thug filed a change-of-address form with the USPS, then applied for a credit card with my information which YOU approved, and had the TV shipped to my house--hoping it would then be automatically forwarded by the USPS down to his address because he filed a change-of-address formDo the right thing and fix thisNow
I appreciate the effortI am still not happythe representative spoke NO English and I was willing to do what they asked once they found someone to speak to me in EnglishI was on hold for ten minutes before I hung upthat's why I hung upDO you know how frusterating this is? its insaneI want to make this rightpay my bill for the crappy stuff I did keep, but come onif I cant get a representative who speaks English, this has been the worst experience of my lifePlease do not contact my mom ever againit is in fact illegal to call someone not listed on the account for the purpose of billing
Revdex.com:
response is satisfactory, Thank you very much for your help!!!!!! *** * ***
CONFIDENTIAL COMMUNICATION April 5, Revdex.com of
Minnesota Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, I am writing in response to an inquiry received from your office on behalf of Mr*** *** regarding his Fingerhut FreshStart Installment Loan account provided by WebBankMr*** states he had set up a Fingerhut account in December and set up automatic payments on his accountHe further states he wasn’t notified the payments were not being processed and his account was charged off and sold to another lenderMr***’s desired resolution is to have the Fingerhut trade line removed from his credit reportingOur records indicate that on November 28, 2014, an application for credit was processed online using Mr***’s name, address and social security numberOn November 28, an order was placed with a representative for a MEGA BLOKS 1-2-Learning Train 44-PcSet, Crayola Grow with Me Easel, Fisher-Price Chatter Telephone Pull Toy, DC Friends Wheelies Ride-On, Hasbro Elmo Junction, My Food Basket 23-PcSet and a 12-PcPlay Housekeeping SetThe merchandise was shipped December 5, via UPS to the same address as provided on the applicationWe have received a total of four payments on this account including the required $down paymentThe last payment was received online on April 22, totaling $Our records indicate no further payments or payment arrangements were made. The unpaid balance of $charged off on October 10, and the account was sold to *** *** *** on October 29, Our records further indicate, notices regarding the past due status of Mr***’s account were sent to *** *** *** ** ** Puyallup, WA on June 17, 2015, June 25, 2015, July 2, 2015, August 2, 2015, August 21, and October 2, Monthly statements were sent as wellWe have included copies of the correspondence for your referenceMultiple attempts were also made to contact Mr*** at the phone numbers associated with the account while his account was in a delinquent status but we were unsuccessful in reaching Mr***An account review completed on March 29, confirms the credit bureaus are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zeroWe cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Mr***’s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as wellIf Mr*** has questions about what *** *** *** may be reporting, he may contact them directly at ###-###-####Thank you for the opportunity to explainSincerely, Kari *** Executive Care Team KD/sa Enclosures
I am rejecting this response because:
I do not believe this is fair to me due to the fact that this decrease has effected my credit rather dramaticallyI will be filing a civil complaint this weekThank you
I am rejecting this response because:
The letter states that the email I sent them said and my credit limit is As originally stated I applied and I didn’t accept the offerWhen I received the email regarding free shipping I went back online and completed an orderAfter putting in my information it said my credit line was the which was higher then beforeSince I have sent this complaint I have received numerous more emails asking me to order and I would receive free shippingFingerhut has sent two more promo codes for thisThis is extremely unacceptableI have proof of all letters and emails sent and the company is refusing to make a simple adjustment
I am rejecting this response because: I received yet ANOTHER email for *** ** *** on April 15th, which is dated later than the company reply of April 14. Hopefully this is an oversight by them, but I want to be sure they remove meThanks for follow up and your help! Much appreciated
I am rejecting this response because:
They are incorrect and I have argued with them And I have made payments they have not even postedAnd then say there late , I have sent this many times
I am rejecting this response because:I did
send affidavit and they closed the case, I never recieved affidavit at currant address
, UPS investigated and verified only box was sitting at old address and Fingerhut is in wrong for sending to that addressMy first order came to correct address and their representative was told then never to send anything to Akron cause ni one lived there from this household and that house was vacant at that timeShe was suppose to update all that info thenI was never showed a page with mailing address when second large order was placed online because it went directly to order placedI want affiadavit sent to present address No I'm not going to satisfied until they correct their mistake.Even UPS said they were in fault because they put wrong mailing label on it and that I would have to deal with Fingerhut to get it corrected
Initial Business Response /* (1000, 5, 2015/12/14) */
CONFIDENTIAL COMMUNICATION
December 11,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am
writing in response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
We sincerely apologize Mr*** had a negative experience with one of our representativesIt is vital that our agents avoid any instance in which a customer could be made to feel they are not being listened to or mistreated
In an effort to prevent unauthorized account activity, the Credit Risk Department takes certain measures, on an ongoing basis, to validate customer account informationIf after comparing it with the information provided by their outside sources they have strong evidence of a discrepancy, the order is held until the account can be fully validatedThis also includes intercepting recently shipped/in route orders, which is what occurred with Mr***'s order from November 18, We apologize if this process was not adequately explained to Mr***
Our records indicate Mr*** spoke with a credit risk representative by phone on December 1, regarding his recent address change to ***., Port Saint Lucie, FL The verification process was successfully completed at this time, and the representative removed the "hold" on the account
On December 5, records show Mr*** placed an order by phone for an Ashley Ralene 4-Piece Dining Set and an additional Set of Ashley Ralene Side ChairsEmails with shipment tracking information were sent to Mr***'s email on file (***@gmail.com) at the time the items were shipped, so that he can monitor the delivery progress of the table set
We have issued a discount in the amount of $to the shipping/handling charge as a goodwill gestureThis has already been applied to the account and will reflect on a future monthly statement for Mr***'s records
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2015/12/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This company is completely ignoring every single issue I have addressedWe absolutely will not notify about the fraud until we called inAfter the hold was lifted what was not lifted and tell about speaking with at least five agents and getting not one call backWe then tried to place an order nine timesAnother hold was put on our account after the first hold was removed and none of the agents that tried to place this order could figure out why it was not being submitted the fraud department said they had no hold on it we got not one clear answerIn fact the order that you have that was shipped was not placed until several days after this complaint was madeThe $credit you speak of was offered to us nine times again before this complaint was ever madeI think it's disgusting that your treat your customers the way you do no call backs nothingThis is the first time we have heard from anyone and it's a shame that had to be through the Revdex.comThe stress and anxiety that came from your company is ridiculousBy the way the request for supervisor call back that according to your agent was written down and put in a piece of paper and put into a box has not been responded to yetI guess if you don't come to the Revdex.com you will not ever receive a call back from the supervisor as promisedNothing has been done by your company to resolve any situationFYI as I mentioned my wife works in retention management and before ever replying to a Revdex.com complaint she would have given the customer a phone callMaybe you guys should hire my wife or ask her for references on how to handle customers that have fallen through the cracks of your faulted customer service departmentThank you for doing absolutely nothing to reach out to us to resolve this issueThe credit you are speaking of was issued by the agent that tried to place the order at least seven timesYour company has done nothing absolutely nothing to resolve this issue we are still waiting for the supervisor call back
Final Business Response /* (4000, 9, 2015/12/21) */
CONFIDENTIAL COMMUNICATION
December 21,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the further inquiry we received from your office on behalf of Mr*** ***
We deeply regret that callbacks were not made to either Mror Mrs***However, since our last response, a representative from the Executive Care Department has been in contact with Mrs*** to address these issues and keep watch over the table set order
Our records indicate that the chairs and bench were delivered by UPS on December 11, and the table was delivered on December 18, by Pilot Freight
The representative assisting Mrs*** will be contacting her again shortly at the number agreed upon if they have not done so alreadyThis is to ensure that any further concerns will be addressed without delay
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
Final Consumer Response /* (2000, 11, 2016/01/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The printed copies of the documentation (18) pages, has been faxed to Becky at the fax number provided in their response as requested on 3-14-It is my intention, to also overnight copies of the documentation of the purchase picturing the Protector Safe by First Alert, to Becky on 3-16-Becky should receive them by 3-17-2016.I will request a signature to insure the documents were received
I am rejecting this response because:
It is clear that I paid that account yet they continued to report me and *** continued to, as well*** *** *** says they did not receive that last payment made to Fingerhut and they have added interest to it since thenI just need someone to correct this account that shows as still being owed by mePlease tell me what I can do since the collection company Fingerhut used will not correct and says they never got the moneyIt is not fair for me to have to pay two companies for the same debtThis is not settledOnce again, a big company has squashed a little person and they don't care*** laughs and acts so rude when I talk with themThey say Fingerhut has to fix thisI am sure that Fingerhut has a contract with *** and they can control what they are doingI will not be satisfied until this is totally corrected
I am rejecting this response because:I ordered beds for price advertised, why should I pay another dime! Fingerhut should send remaining parts as they agreed ! Who holds companies accountable for posting wrong prices on Internet!!!!! *** ***
Initial Business Response /* (1000, 5, 2015/12/22) */
CONFIDENTIAL COMMUNICATION
December 22,
Revdex.com of Minnesota # ***
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms
***,
I am writing in response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate Mr*** purchased a Techni Mobili Modern Computer Workstation on November 8, This product was returned to Fingerhut on November 23, The full purchase price of $was credited to Mr***'s account
On November 12, Mr*** purchased a 18V Cordless Drill and a Sunny Exercise WheelThe cordless drill was returned on December 1, and the full merchandise price of $was credited to Mr***'s account as well as the shipping and handling charges of $The exercise wheel was returned on December 17, and $was credited to his account for the full merchandise priceMr*** was required to pay for the original shipping/handling for this item, as our 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." The merchandise was sent back to us for a "non-qualifying" reasonMr*** did not include a reason the item was being returned
As a one time courtesy on December 17, we have waived the shipping and handling on the exercise wheelA credit of $was given to Mr***
In regards to the SafeLine Plus fee, our records indicate that Mr*** applied for a WebBank/Fingerhut Credit Account on November 6, onlineOn November 8, Mr*** accepted and enrolled in SafeLine Plus Account Protection Plus (SafeLine Plus) when placing his order online at www.fingerhut.comMr*** would have received terms and conditions for his SafeLine Plus plan, sent out the following day
The SafeLine Plus Account Protection Plus is a program designed to help should Mr*** experience a covered event like becoming unemployed, disabled, a major life event, or change in primary residence impact the account holderWhen 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 to months, depending on the benefitFor 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) provided all conditions are met
The monthly fee for SafeLine Plus is $per $of the total balance at the end of each monthly billing cycleThis fee appears on each statement when there is a balance on the account being covered by the planIt 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 creditsIf our customers feel that there is an error in billing, we can review the error with our customer at that time
As a courtesy to Mr*** we have waived the $late fee on December 22, that was assessed on December 9,
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 7, 2016/01/05) */
CONFIDENTIAL COMMUNICATION
August 11,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Mr*** ***
Case #: ***
Dear Ms***,
I am writing in response to
an inquiry received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Credit Account
Mr*** states that Trans Union has deleted the WebBank Fingerhut trade line from the credit report, but the trade lines are still reporting on both Equifax and ExperianMr***' desired resolution is for Fingerhut to delete the trade lines from Equifax and Experian
According to our records, an application for credit with Fingerhut was processed with Mr***' personally identifiable information on February 5, Mr*** was approved for a Fingerhut FreshStart account with a credit limit of $
The only order placed was on November 9, for a Skechers Women's Centennial Shoe Wide-Size 10, a Dirty Laundry Women's Pitch Suede Bootie-size 10, and a Lea Apparel Women's Marled Knit Sweater Coat - size 3xl
We referred Mr***' concern to our Credit Risk Department for further review and they determined that the account should be deleted from Mr***' credit bureau report for reason of fraud
On August 10, 2015, a request was sent to the credit bureaus to delete the remaining trade lines(Ref: ***) Please allow up to thirty days for the bureaus to update this information
A phone conversation with Trans Union confirmed that the Fingerhut trade line was deleted on December 24,
During our research, we were also able to locate an additional inquiry for credit in Mr***' name
On August 10, a letter was sent to Mr***' address of *** *** ***, Houston, TX notifying him that the inquiry on his credit report was referred to Equifax Credit Services, TransUnion L.L.C., and Experian Information Solutions, Incfor removal; please allow 60-days for the information to be removedAdditionally, Mr***' information has been marked for our system to instantly recognize, flag, and block similar attempts in the future, should they occur
If Mr*** has any further questions or concerns, he can contact the Fraud Department at ###-###-####Their hours are Monday - Friday 8:00am - 4:30pm Central Time
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/lg
Initial Business Response /* (1000, 5, 2015/10/23) */
CONFIDENTIAL COMMUNICATION
October 23,
# ***
Revdex.com of Minnesota
Attn: ***
***
S River Ridge Circle
Burnsville, MN
Re: Case # *** ***, ***
Dear Ms***,
I am writing in response to the recent inquiry that we received from your office on behalf of Ms*** *** regarding a WebBank/Gettington Credit Account
Our records indicate on June 30, Ms*** purchased a Zeki 7" 8GB Android TabletOn September 28, Ms*** contacted Gettington stating the tablet was not working properlyAt this time Ms*** was told she would need to contact the products manufacturer as we require returns to be make in accordance with Gettington's return policy which states:
"We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are non refundableComputers, tablets, e-readers, camcorders, electronic gaming systems, air conditioners, holiday decorations, heaters, and generators have to be returned within the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchange or accept returnsOther product concerns must be handled under manufacturers' warrantySoftware and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanged are permitted for the identical product only."
Our phone agent correctly advised Ms*** that any requests to repair or replace the device should be referred to and handled by the manufacturerFor all concerns with this product Mr*** should contact Zeki ***
Thank you for allowing us to explain and assist
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 7, 2015/10/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
in response, I contacted zeki, the manufacturer and they did exchange the tablet for a new onethis tablet defected also as citedapparently gettington is selling defective merchandise and this is why im asking for a refundi did contact zeki again and they offered to exchange again but I declined.that is two new tablets, same brand name and they both defect in the same mannerit is unfair that I paid for a new tablet and it is defective and then I was mislead because both tablets in all other aspects worked
Final Business Response /* (4000, 9, 2015/10/27) */
CONFIDENTIAL COMMUNICATION
October 27,
#***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** ***, ***
Dear Ms***,
I am writing in response to the further inquiry that we received from your office on behalf of Ms*** *** regarding a WebBank/Gettington Credit Account
As we stated in our last letter, Gettington is unable to refund Ms*** for the Zeki 7" 8GB Android Tablet due to the amount of time that has passed since her purchase as we do require returns to be make in accordance to the Gettington return policy
Ms*** should contact Zeki for any requests to repair or replace the device
Thank you for allowing us to explain and assist
Sincerely,
Vi ***
Executive Care Team
VF/KS
Dear Ms***: I am in receipt of your letter dated June 15, 2016, regarding the above-referenced matter. The complainant's facts are in dispute and erroneousAny fee earned by my company was justly earned in accordance with a written contract between the parties. I have
contacted and responded to the complainant in a similar fashion. Please contact me if you need any further information. Sincerely, CREDIT ADJUSTMENT BOARD, INC
Initial Business Response /* (1000, 5, 2016/02/11) */
CONFIDENTIAL COMMUNICATION
February 11,
Revdex.com of Minnesota # ***
Attn: Ms*** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms*** ***
Case #: ***
Dear Ms***,
We are writing in response to an inquiry received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, Terms and Conditions, credit application and all five monthly statements
In Ms***'s complaint, she states that she ordered merchandise from Fingerhut in September, totaling $She further states she has made payments of $in October, $in November, $in December and her bill, this month, was for $Ms***'s desired resolution is an explanation of her account balance
Our records indicate the WebBank/Fingerhut credit account ending in was opened on August 27, 2015, when an application for credit was processed with a representativeAn order was placed on September 14, for a Haier 65-Pint Electric Dehumidifier, alcove Microfiber 84" x 84" Window in a BagChocolate, alcove Kellen 8pc Bed Set - Queen, alcove Briar Comforter Set + Free Sheet Set KingBriar, and an alcove Devereau 20pc Bedroom Set - QueenThe purchase made on September 14, 2015, totaled $
According to our records, payments were made for $on October 23, and $on December 1, from a Visa debit card ending in To date, no further payments have been received
Ms***'s payment due date is the fifteenth of each month
Please note that when a payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is receivedAdditionally, we may charge a late fee and interest charges will accrue on the balance owed
As of February 11, 2016, Ms***'s WebBank/Fingerhut credit account balance is $with a past due of $
To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a minimum payment of $is due by February 15,
If Ms*** is unable to make the full minimum due, her account may qualify for a payment plan
Ms*** may contact our Billing Department at *** to discuss payment optionsTheir hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Time
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa
Enclosures
Initial Consumer Rebuttal /* (2000, 7, 2016/02/22) */
CONFIDENTIAL COMMUNICATION September 8,
# *** Revdex.com of Minnesota Attn: *** *** S River Ridge Circle Burnsville, MN Re: Case # ***- ***, *** Dear Ms***, I am writing in response to the recent inquiry that we received from your office on behalf of Mr*** regarding a WebBank/Gettington Credit Account Mr*** states he accidently made a payment for the full balance amountThis has resulted in overdraft fees from his bank due to Gettington not being able to reverse the paymentHe would like to have this payment he made reversed and any overdraft fees to be creditedMr*** also states that there should be security measures in place to ensure this cannot happen Our records indicate Mr*** made a payment in the amount of $through our website on August 21, He contacted Gettington on August 22, stating he made a payment accidentlyOn August 29, Mr*** was told he would need to contact his bank to get the payment reversed Per Mr***’s request, on September 8, the amount of $has been refunded to Mr***’s credit card ending in ***He should allow 3-business days to receive this refundWe were able to refund the payment amount, however for any overdraft fees, Mr*** will need to contact his bank to have them reversed In regards to Mr***’s concern about security, please be advised that we take account security very seriously, and have rigorous measures in place to protect our customer’s accounts, such as multi-factor authentication and password protectionThere is responsibility on the customer to ensure they are practicing safe online measures, such as signing out of one’s account If Mr*** has any further questions he may contact Gettington Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time Thank you for allowing us to explain and assist Sincerely, Vi *** Executive Care Team
I am rejecting this response because: I made 2/
payment above the minimal requested monthly payment required as to obtain credit worthiness and stay current/pay-off my Fingerhut personal account.As a "valued customer" , I was not knowlegable and/or nformed by Fingerhut Customer Service regarding the repair/return policy regarding the Smart Kurios I purchased which are still inoperable.Credit Report information must be valid and accurate as I agreed in accepting credit (phone) from Fingerhut; which did not happen in this experience Upon inception of my Fingerhut, records show that I have demonstrated my creditworthiness and integrity and paid my account beyond their expectationsAny "privileges" I have received from Fingerhut regarding of reversal late fees were warranted I did not owe any late fees My monthly payment history reflects it Making monthly payments in advance 2/ more times the required minimal amount demonstrates my integrity and credit worthiness.Please forward me a copy of my credit rating/information recorded on my account to all three credit bureaus with respect to Fingerhut account since inceptionThis information/document was not included in the Business Response which is important/vital in hopes to resolve this case Your immediate response is appreciated. Many thanks!
I am rejecting this response because:
This is absolutely preposterous! You've added late fees to the fraudulently-opened account because I haven't filed a police report?! My identity was stolen, and a seven year free-of-charge credit report security lock was implemented by Bank of America because they validated the fraudulent identity theftThe USPS also opened a case as they took this case very seriously.I am literally speechless after reading your responseYou're treating me like the criminal who stole my identity! The person lives in Southern California at the address I provided previouslyHis phone number was on the shipping label of the TV you sent to my house! The reason the USPS was involved was because this thug filed a change-of-address form with the USPS, then applied for a credit card with my information which YOU approved, and had the TV shipped to my house--hoping it would then be automatically forwarded by the USPS down to his address because he filed a change-of-address formDo the right thing and fix thisNow
I appreciate the effortI am still not happythe representative spoke NO English and I was willing to do what they asked once they found someone to speak to me in EnglishI was on hold for ten minutes before I hung upthat's why I hung upDO you know how frusterating this is? its insaneI want to make this rightpay my bill for the crappy stuff I did keep, but come onif I cant get a representative who speaks English, this has been the worst experience of my lifePlease do not contact my mom ever againit is in fact illegal to call someone not listed on the account for the purpose of billing