I am rejecting this response because:
It seems to me that you are more focus on saying that I should not have filed this on my bankruptcy. I filed everything that was on my bankruptcy and the judge excepted everything. I filed in 2012 but it was not process until after I applied for services with Finger hut. All of this should not matter because it was paid in full and you have been reporting me negative since 2013. Finger Hut has been reporting negative on my credit report since 2013 - 2018 and I have been requesting you to update the status of not paid to paid since my bankruptcy and you have not. I have documents that you were included in my bankruptcy. I also provided documentation that you transferred the account to [redacted], LLC and they reported negative on my account. I am not suppose to have two creditors for the same bill on my credit report for the same item. The Law states that for the credit bureau. I am asking you to get off my credit report because through my bankruptcy [redacted] and Finger Hut WebBank have been reporting on their with [redacted] and that is illegal. WebBank/Finger Hut transferred/sold the account to [redacted], LLC their for you can no longer report on my credit report it is the law. I spoke with my lawyer and they are taking action against this. I read the law and I understood everything. You have been reporting me negative since 2013 I filed my bankruptcy 2012 but did not go forward until sometime in 2013. Your company WebBank/Finger Hut and [redacted], LLC were both on my bankruptcy and you both reported negative. I paid [redacted] and they remove themselves off my credit report as paid in full. You kept reporting negative as I asked for the last 5 years to update it to positive paid in full and Fingerhut has refused to update my report. I received a letter from Fingerhut and I am attaching it. I did nothing wrong I paid my debt to [redacted] and finger hut has been reporting negative on me for 5 years. I asked that you remove yourself off my credit report because you made the mistake of not reporting paid on my credit report. I am doing everything right after I filed my bankruptcy and your company has not been fair. I paid finger hut the money that I was suppose to pay and you never updated my credit report. WebBank/Finger Hut sold this account why are you reporting negative on my credit report for the last 5 years.
CONFIDENTIAL COMMUNICATIONMarch 28, 2016Revdex.com of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337Re: Case # [redacted] – [redacted]Dear Ms. [redacted],I am writing in response to the further inquiry we received from your office on behalf of [redacted]. While we sympathize with Mr. [redacted], we maintain that the information recounted in our previous response was accurate. We understand Mr. [redacted]’s certainty in stating that he was not given NEW’s contact information until very recently. However, we have a copy of the email he sent on January 3, 2015, as well as the response we sent him in reply. Below is that email exchange in its entirety in descending order from January 3, 2015 to Mr. [redacted]’s same email address as the one on his inquiry:“Outgoing E-mail to Subject: Re: [redacted]: Product Questions - I didn't receive my extended service plan From: [email protected] To: [redacted] Cc: Bcc: Sent on: January 3, 2015 10:03:58 PM EST Dear [redacted]: We are sorry you are having issues with the Trio Stealth G2 Hype 7" 4GB Android Tablet. Please call NEW (National Extended Warranty) at [redacted] to obtain service. Your warranty contract number is [redacted]. We recently received a request to return RD647/Trio Stealth G2 Hype 7" 4GB Android Tablet. While customer satisfaction is very important to all of us at Fingerhut, we do require that returns be made in accordance with our Return Policy, which states: “We will issue an exchange or refund for most items returned in new condition within 30 days of receipt. Returns will not be accepted for credit after 90 days. Other product concerns must be handled under the manufacturer’s warranty. Shipping and handling charges are non-refundable. Returns postage is the responsibility of the customers. Music, movies, video games and software must be returned unopened with the factory seal intact. Exchanges are permitted for identical product only. Computers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators must be returned within 30 day home trial period. Products sold in sets must be returned as sets, partial returns will not be accepted. Personalized/customized and made-to-measure window treatment products may be returned for credit only if they are a damaged or defective. Exchanges are permitted for identical product only. Gift cards cannot be returned. Other restrictions may apply..” Due to the length of time passed since the item was ordered, we are unable to authorize the return. We apologize for any inconvenience this may cause. Sincerely, Jamail Fingerhut On 1/3/15 9:47 PM, [redacted] wrote: > Name: [redacted] > Email: [redacted] > Order Number: ORD0063511772 > Cr: [redacted] > FreshStart Flag: > Language Indicator: > Message: have been trying to get information on the extended plan we bought with this since we got it now we just want to return the whole thing and the product we have gotten nothing but the run around can we please be sent some return labels So we can return this as well as a confirmation that we will have a full refund of the product and the cost of the plan we bought? Otherwise I will be going to the Revdex.com. This tablet arrived to us cracked and has just gotten worse and worse Again, Mr. [redacted] should continue to work directly with NEW regarding any warranty claim issues, and with Jefferson Capital regarding the unpaid balance. Having provided all information available to us, we consider this matter closed. Sincerely,Vi [redacted]Executive Care TeamVF/ah Tell us why here...
APPLESEED'S® [redacted] Middleton, MA 01949 May 30, 2017 Revdex.com of Minnesota and North Dakota 220 S. River Ridge Cir. Burnsville, MN 55337 Ms. [redacted] Lynnwood, WA 98036-4895 Dear Ms. [redacted], We...
are writing in response to an inquiry we received from your office on behalf of Ms. [redacted] regarding her enrollment in the Appleseed's VIP Plus Program. After, Ms. [redacted] made her May 25, 2017 purchase of two everyday knit long skirts on our website, she was presented with an opportunity to save $15.00 off her next Appleseed's purchase, simply for trying a membership in our Appleseed's VIP Plus Program. There was no obligation to accept this membership offer and her Appleseed's purchase was not contingent upon accepting the offer. To enroll in this program, she clicked on the offer and was taken to a web page that fully described the terms, benefits, and costs of Appleseed's VIP Plus. By entering her e-mail address, zip code, and clicking the "Join Now", she activated a membership in Appleseed's VIP Plus. Had she skipped any one of these steps, no membership would have been established. As Ms. [redacted] requested, her membership in Appleseed's VIP Plus was canceled on May 26, 2017. The payment of $1.99 will not be charged to her PayPal account. We appreciate this opportunity to reply to Ms. [redacted]'s complaint and hope that this will resolve the matter. Sincerely, Tim [redacted] Executive Care Team
Minnesota �...⇄ #[redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] states that she ordered a product which was damaged and when she tried to contact Fingerhut regarding returning the product she never received a response email. Ms. [redacted]’s account indicates an order was placed on May 3, 2015 via the web for a Ragalta 4-Pc. Canister Set – Red and delivered to [redacted] Winchester, KY 40391 on May 6, 2016. Our records indicate we received an email from Ms. [redacted] on May 31, 2016 indicating she was unhappy with the product, there was rust on the lid and the paint was coming off. A representative responded to Ms. [redacted]’s email on June 1, 2016 apologizing for the issue and advising her to check the packing slip for a return label and to follow the instructions to return the product. The representative also advised her to contact us if she did not receive a return label and let us know if she would like the label sent via U.S. Mail or email. Records indicate we received a second email from Ms. [redacted] indicating she did not receive a reply to her first email and is now stuck paying for a product that is no good. A representative responded to Ms. [redacted] on June 14, 2016 apologized and inquired if she would like the return label sent via U.S. Mail or email. Our records indicate we received a reply from Ms. [redacted] on July 1, 2016 indicating she would like the label sent to her via U.S. Mail. A reply was sent to Ms. [redacted] on July 1, 2016 informing her a label would be mailed and to allow up to 10 business days to receive it. She was also advised to indicate if she would like a credit or an exchange and to allow 10-15 days for us to receive and process the return. While we sympathize with Ms. [redacted], We strongly advise customers keep their account in good standing by making the minimum amount due each month, even while engaged in a dispute or in the process of a return until the issue has been resolved. Ms. [redacted]’s current balance on her account is $53.07 with a minimum payment of $7.99 due by July 13, 2016. If Ms. [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ca
CONFIDENTIAL COMMUNICATION August 8, 2017 Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: [redacted] Complaint # [redacted] Dear Ms. [redacted], We are writing in response to Ms. [redacted]’s response to her complaint. In Ms. [redacted]’s response she states we must refund her $16.99 shipping fee. Our return policy states in part: We'll gladly provide an exchange or refund your purchase price (excluding discounts, and any shipping and handling charges) for items returned in their original condition within 180 days after you receive them. For products returned in original condition within 60 days of your receipt, refunds will be made in your original form of payment equal to your original purchase price (excluding discounts, and any shipping and handling charges). Shipping and handling is nonrefundable. If Ms. [redacted] has any additional questions or concerns she may contact Customer Service at ###-###-####. Their hours of operation are Monday-Friday 9:00am-9:00pm Eastern Time. Thank you for allowing us to explain. Sincerely, Denise [redacted] Executive Care Team
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me, but, I would like to wait until I am sure they will be removing the negative report on my credit report. My fico score dropped 43 points because of this, and again, they admitted it was their fault. I was told they would remove it from my credit report but I want to make sure they do.
the camera with the believe if it did not work I can return the Item. Finger hut customer representative told me to call Kodak , and Kodak told me I have to pay and sent the camera back to them and they will send me another camera. I don not think it is fair after spending over 100$ for a camera that do not work I should have to spend more money to return it, when I was charge a deliver fee from Fingerhut $35.00 in the first place. They are selling items that do not work and all the expense to correct their mistake I have to pay for it. That is not fair
I am rejecting this response because:
First off, my account balance is IRRELEVANT to this issue. I KNOW the shoes have to be returned. I didn't want credit on my account as I need a pair of shoes. You are waiving shipping but that still penalizes me because it increases my balance and interest charged on that balance until this is completed.Its funny as long as I have been your loyal customer that you are giving me such a run around. Were this ordered from Amazon, it would have already been replaced and the defective shoes would be on the way back to them.I will not accept any offered solution by you that doesnt replace these shoes without causing a penalty to me in balance/interest/payment going up on my account. I make my payments regularly and have only been late once since I opened an account with you.
I am rejecting this response because:The fact that someone that chose NOT to identify themselves beyond stating that they were my spouse is not sufficient proper identification to discuss with them sensitive information. ANYTHING to do with my account is not something that should be discussed with ANYONE else without proper certification that this person has permissions either directly from me, by use of a legal documentation such as a power of attorney or a death and marriage certificate confirming my death, or a legal statement of guardianship due to incapacitation or the correct procedure for legal system requirements. As none of those occurred, even giving my payment due amount, the fact that it WAS past due, taking any directions about the account, or anything other than a message for me to call them about a business matter, is unacceptable.. As to my request not to be contacted by phone or to allow for certain times and days is imperative that this be addressed properly. Restricting my account from use because I do not want to accept a phone call at my convenience is also unacceptable. This was not addressed except to say that I would likely only be contacted in the case of late payments, however my point is that I do not CARE what the reason is, I want to have the right NOT to accept or answer a phone call without having my account restricted from use. If my payment is late it is something I usually am aware of and can do nothing about it, as I am on a limited income and sometimes other bills like food and utilities, take priority.. This can and should be handled strictly by email. The phone numbers listed, include my current number that ends in [redacted] and a number that I have not had since 2010. I have consistently kept my numbers update including when this one was changed. That number, ###-###-#### , needs to be removed from the account
CONFIDENTIAL COMMUNICATION March 6, 2017 Better Business...
Bureau of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’ inquiry, she states that she contacted Fingerhut on February 23, 2017, with inquiry as to why she was billed interest for 2 months after the payments were deferred. Ms. [redacted] states that she felt that the representative she spoke with was rude and cut her off while speaking. Ms. [redacted] asked if she would pay her balance in full, could she have the interest waived that she did not know about. We have reviewed the phone call that occurred between Ms. [redacted] and our customer service representative. In the call, the representative did explain to Ms. [redacted] that all accounts are charged interest, and that our deferment plans are intended to give our customers a period of time where they have no payments due. The representative explained that the information about our deferment plans can be located on the cover of the catalog under the promotion, which states: “Interest will be billed to your account starting on the purchase date. Interest will be added monthly, but no payments on this purchase are due during the deferral period. You will still be responsible for the interest billed, even if the Deferred Balance is paid off before the expiration date.” We apologize the interaction Ms. [redacted] had with one of our employees did not meet her expectations. Her report of unacceptable service from one of our agents is regrettable. Our representatives are accountable to meet our professional standards. Please understand that Ms. [redacted]’ account is an interest-bearing, revolving credit account and is subject to accrued interest charges whenever a balance is carried month to month. The account is also subject to late fees if payment is not received by the specified date or is less than the required minimum due shown on the statement. For these reasons and further close review of Ms. [redacted]’ account, her balance as of this response is fully accurate. As the information related to the deferral is made available to the customer at the time of purchase, we will not be removing any interest related to purchases Ms. [redacted] is responsible for. If Ms. [redacted] has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:00 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.I will keep a close eye on the account to make sure the $20 credit is posted.
CONFIDENTIAL COMMUNICATION August 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 additional inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account. Ms. [redacted] states her Fingerhut account was sold to [redacted] and [redacted] has issued documentation that the balance has been paid full. Ms. [redacted] is requesting that Fingerhut, as the original creditor, should make the corrections to her credit report that she is requesting or take their name off her account. As stated in our previous response, Ms. [redacted] opened a Fingerhut account on May 5, 2014. Three orders were placed on May 5, 2014, May 14, 2014 and May 19, 2014. Fingerhut did not receive any payments for the three orders placed on Ms. [redacted]’s account. On December 12, 2014, the account charged off with an unpaid balance of $456.23 and Fingerhut ceased collections. Ms. [redacted]’s account was sold to [redacted] on January 15, 2015. On January 15, 2015, Fingerhut reported Ms. [redacted]’s account to the credit bureaus as Purchased by Another Lender with a balance and past due of $0.00. Since that date, Fingerhut is no longer sending monthly reporting to the credit bureaus because Fingerhut no longer owns Ms. [redacted]’s account. According to an account review on August 9, 2016, Equifax and Experian are reporting Ms. [redacted]’s account accurately as Purchased by Another Lender or Transfer/Sold with a balance and past due of zero. A representative at Trans Union confirmed that they have deleted the Fingerhut trade line. We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Ms. [redacted]’s Welcome Packet. It states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Ms. [redacted] has further questions regarding her account, [redacted] can be reached directly at ###-###-####. Thank you for allowing us to assist and explain. Sincerely, Kari [redacted] Executive Care Team KD/lg
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Thank you.
CONFIDENTIAL COMMUNICATION June 22, 2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] asserts that he does not believe he owes a balance on his Fingerhut account. Our records indicate credit was issued on May 11, 2016 for the jewelry set, however, as it was explained to Mr. [redacted] in our previous response, he is responsible for shipping and handling costs. Our return policy states, “The original and return shipping/handling is non-refundable if your item is not damaged, defective or in the case of a shipping error.” This policy is available on our website by clicking ‘Returns’, in the “blue pages” of our catalog, and on the customer’s packing slip inserted with their shipment. Our records indicate Mr. [redacted] owes a payment of $81.73 due by July 2, 2016 in order to avoid delinquency and possibly a late fee on his account. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/jm
2016 ...⇄ Revdex.com of Minnesota �...⇄ [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted], regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states that he did not receive the power washer he ordered on August 14, 2016. He contacted us via email on August 22, 2016 and we responded back asking if he wanted the item replaced or credited, and he advised he would like the item replaced. His inquiry also states that we ordered the wrong item to be resent to him, an Xbox charger pack. Mr. [redacted] says that when he called us to advise we’d ordered the wrong item, the agent advised she would need to credit the original power washer and recharge his account for the replacement order. Our findings, after researching Mr. [redacted]’s account, are in alignment with what he states occurred. He contacted us to advise he did not receive the power washer, and an incorrect replacement was sent to him. We apologize that the incorrect item was sent to Mr. [redacted]. On August 29th, 2016, a no charge order was placed for the Sun Joe 2030 PSI Pressure Washer. Tracking indicates it was delivered on September 1, 2016. We have issued credit for the second Xbox charger pack, since we sent it to Mr. [redacted] in error. He may keep the merchandise at no cost. As a courtesy, we are also sending Mr. [redacted] a discount coupon, under separate cover, for $20.00 that he may use on a future order. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because:
I am disputing the payments that were made once the agreement with my debt management company and Gettington were agreed upon. All of the payments were made on time and the amount agreed upon. Once I found that I was being reported 180 plus days late I contacted Gettington who advised me they would not speak with me until I dropped the debt management company. I dropped them and contacted Gettington back and was advised to pay approximately 90.00 and that would bring me current, of which I did. My next bill was for over 200.00 or to be paid in full which was obviously not an option. I attempted several times to correct this or find a solution and got the same rude lady at their 800 number. I agree with the response to report the truth and the report they are making is NOT the truth. Please review the attached documents and thank you for your time.
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry, she states that she received notification that her available credit was increased and when she tried to use it, Ms. [redacted] received an error code. Ms. [redacted] also inquired as to why she was not able to place orders using her debit card. On October 25, 2016, Ms. [redacted] attempted to place an order on our website. At the time of the order being placed, her credit limit had been decreased from $800.00 to $300.00. A letter was sent the same day explaining the reason for the credit line decrease to the address we have on file for her. As stated in the terms and conditions of the account that Ms. [redacted] agreed to when she opened it, “We may increase or reduce your credit limit, or suspend or terminate your Account, at any time with or without cause. We will provide notice to you to the extent required by applicable law.” Ms. [redacted] contacted us on October 25, 2016 asking the reason for the credit line decrease. The agents correctly advised Ms. [redacted] that a letter had been sent to her and to allow more time to receive the letter explaining the reason for the decrease to her credit limit. Regarding, Ms. [redacted]’s inquiry of receiving and error message when using her debit card. Ms. [redacted]’s first order was placed with a debit card and successfully shipped. When Ms. [redacted] attempted to place another order on the same day, with the same billing and shipping addresses, the debit card was declined because of a fraud prevention rule within the processing system. These rules are in place to protect consumers, and we apologize for the inconvenience this caused Ms. [redacted]. The third attempt in placing an order on the same day, the debit card declined the sale. We are unsure of the reason for the third attempt declined, and suggest Ms. [redacted] check with her financial institution for additional information. If Ms. [redacted] has any further question she may contact our Customer Service Department, Monday-Friday between the hours of 8:00 am and 8:00 pm, Central Time at ###-###-####. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/RG
absolutely ludicrous. Where does it state in their business practices that they discriminate agains new customers? This is the USA. We do not tolerate businesses that discriminate. How does the Revdex.com condone this behavior. Why do I need to provide a replacement box when the original box was obliterared in shipment. If I wanted to go to a furniture store I would have purchased the chair there. My husband is disabled and I go to work, to the doctor, and to the grocery store and that is it. I recommend this business have their Revdex.com seal removed. They cannot charge me for damaged goods without making an earnest attempt to help me get the product I ordered. They need to file a claim with their shipper to make arrangements for the exchange or refund. If they make an appointment with me I can arrange to be home for the transfer. I work during the day so I would have to arrange a day off.
Dear Ms. [redacted], Please see my attached letter to your office regarding [redacted]’s concerns. My response exceeds the 2000 character limit so I have attached it to this inquiry. Thank you, Lea [redacted] Haband Customer Service Bluestem Brands, Inc.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I am sending the drone back to them for a refund. I shall follow up if no action is taken upon receipt of the item. Thank you for your time and concern,[redacted]
I am rejecting this response because:
It seems to me that you are more focus on saying that I should not have filed this on my bankruptcy. I filed everything that was on my bankruptcy and the judge excepted everything. I filed in 2012 but it was not process until after I applied for services with Finger hut. All of this should not matter because it was paid in full and you have been reporting me negative since 2013. Finger Hut has been reporting negative on my credit report since 2013 - 2018 and I have been requesting you to update the status of not paid to paid since my bankruptcy and you have not. I have documents that you were included in my bankruptcy. I also provided documentation that you transferred the account to [redacted], LLC and they reported negative on my account. I am not suppose to have two creditors for the same bill on my credit report for the same item. The Law states that for the credit bureau. I am asking you to get off my credit report because through my bankruptcy [redacted] and Finger Hut WebBank have been reporting on their with [redacted] and that is illegal. WebBank/Finger Hut transferred/sold the account to [redacted], LLC their for you can no longer report on my credit report it is the law. I spoke with my lawyer and they are taking action against this. I read the law and I understood everything. You have been reporting me negative since 2013 I filed my bankruptcy 2012 but did not go forward until sometime in 2013. Your company WebBank/Finger Hut and [redacted], LLC were both on my bankruptcy and you both reported negative. I paid [redacted] and they remove themselves off my credit report as paid in full. You kept reporting negative as I asked for the last 5 years to update it to positive paid in full and Fingerhut has refused to update my report. I received a letter from Fingerhut and I am attaching it. I did nothing wrong I paid my debt to [redacted] and finger hut has been reporting negative on me for 5 years. I asked that you remove yourself off my credit report because you made the mistake of not reporting paid on my credit report. I am doing everything right after I filed my bankruptcy and your company has not been fair. I paid finger hut the money that I was suppose to pay and you never updated my credit report. WebBank/Finger Hut sold this account why are you reporting negative on my credit report for the last 5 years.
CONFIDENTIAL COMMUNICATIONMarch 28, 2016Revdex.com of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337Re: Case # [redacted] – [redacted]Dear Ms. [redacted],I am writing in response to the further inquiry we received from your office on behalf of [redacted]. While we sympathize with Mr. [redacted], we maintain that the information recounted in our previous response was accurate. We understand Mr. [redacted]’s certainty in stating that he was not given NEW’s contact information until very recently. However, we have a copy of the email he sent on January 3, 2015, as well as the response we sent him in reply. Below is that email exchange in its entirety in descending order from January 3, 2015 to Mr. [redacted]’s same email address as the one on his inquiry:“Outgoing E-mail to Subject: Re: [redacted]: Product Questions - I didn't receive my extended service plan From: [email protected] To: [redacted] Cc: Bcc: Sent on: January 3, 2015 10:03:58 PM EST Dear [redacted]: We are sorry you are having issues with the Trio Stealth G2 Hype 7" 4GB Android Tablet. Please call NEW (National Extended Warranty) at [redacted] to obtain service. Your warranty contract number is [redacted]. We recently received a request to return RD647/Trio Stealth G2 Hype 7" 4GB Android Tablet. While customer satisfaction is very important to all of us at Fingerhut, we do require that returns be made in accordance with our Return Policy, which states: “We will issue an exchange or refund for most items returned in new condition within 30 days of receipt. Returns will not be accepted for credit after 90 days. Other product concerns must be handled under the manufacturer’s warranty. Shipping and handling charges are non-refundable. Returns postage is the responsibility of the customers. Music, movies, video games and software must be returned unopened with the factory seal intact. Exchanges are permitted for identical product only. Computers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators must be returned within 30 day home trial period. Products sold in sets must be returned as sets, partial returns will not be accepted. Personalized/customized and made-to-measure window treatment products may be returned for credit only if they are a damaged or defective. Exchanges are permitted for identical product only. Gift cards cannot be returned. Other restrictions may apply..” Due to the length of time passed since the item was ordered, we are unable to authorize the return. We apologize for any inconvenience this may cause. Sincerely, Jamail Fingerhut On 1/3/15 9:47 PM, [redacted] wrote: > Name: [redacted] > Email: [redacted] > Order Number: ORD0063511772 > C
r: [redacted] > FreshStart Flag: > Language Indicator: > Message: have been trying to get information on the extended plan we bought with this since we got it now we just want to return the whole thing and the product we have gotten nothing but the run around can we please be sent some return labels So we can return this as well as a confirmation that we will have a full refund of the product and the cost of the plan we bought? Otherwise I will be going to the Revdex.com. This tablet arrived to us cracked and has just gotten worse and worse Again, Mr. [redacted] should continue to work directly with NEW regarding any warranty claim issues, and with Jefferson Capital regarding the unpaid balance. Having provided all information available to us, we consider this matter closed. Sincerely,Vi [redacted]Executive Care TeamVF/ah Tell us why here...
APPLESEED'S® [redacted] Middleton, MA 01949 May 30, 2017 Revdex.com of Minnesota and North Dakota 220 S. River Ridge Cir. Burnsville, MN 55337 Ms. [redacted] Lynnwood, WA 98036-4895 Dear Ms. [redacted], We...
are writing in response to an inquiry we received from your office on behalf of Ms. [redacted] regarding her enrollment in the Appleseed's VIP Plus Program. After, Ms. [redacted] made her May 25, 2017 purchase of two everyday knit long skirts on our website, she was presented with an opportunity to save $15.00 off her next Appleseed's purchase, simply for trying a membership in our Appleseed's VIP Plus Program. There was no obligation to accept this membership offer and her Appleseed's purchase was not contingent upon accepting the offer. To enroll in this program, she clicked on the offer and was taken to a web page that fully described the terms, benefits, and costs of Appleseed's VIP Plus. By entering her e-mail address, zip code, and clicking the "Join Now", she activated a membership in Appleseed's VIP Plus. Had she skipped any one of these steps, no membership would have been established. As Ms. [redacted] requested, her membership in Appleseed's VIP Plus was canceled on May 26, 2017. The payment of $1.99 will not be charged to her PayPal account. We appreciate this opportunity to reply to Ms. [redacted]'s complaint and hope that this will resolve the matter. Sincerely, Tim [redacted] Executive Care Team
July 7, 2016 Revdex.com of...
Minnesota �...⇄ #[redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] states that she ordered a product which was damaged and when she tried to contact Fingerhut regarding returning the product she never received a response email. Ms. [redacted]’s account indicates an order was placed on May 3, 2015 via the web for a Ragalta 4-Pc. Canister Set – Red and delivered to [redacted] Winchester, KY 40391 on May 6, 2016. Our records indicate we received an email from Ms. [redacted] on May 31, 2016 indicating she was unhappy with the product, there was rust on the lid and the paint was coming off. A representative responded to Ms. [redacted]’s email on June 1, 2016 apologizing for the issue and advising her to check the packing slip for a return label and to follow the instructions to return the product. The representative also advised her to contact us if she did not receive a return label and let us know if she would like the label sent via U.S. Mail or email. Records indicate we received a second email from Ms. [redacted] indicating she did not receive a reply to her first email and is now stuck paying for a product that is no good. A representative responded to Ms. [redacted] on June 14, 2016 apologized and inquired if she would like the return label sent via U.S. Mail or email. Our records indicate we received a reply from Ms. [redacted] on July 1, 2016 indicating she would like the label sent to her via U.S. Mail. A reply was sent to Ms. [redacted] on July 1, 2016 informing her a label would be mailed and to allow up to 10 business days to receive it. She was also advised to indicate if she would like a credit or an exchange and to allow 10-15 days for us to receive and process the return. While we sympathize with Ms. [redacted], We strongly advise customers keep their account in good standing by making the minimum amount due each month, even while engaged in a dispute or in the process of a return until the issue has been resolved. Ms. [redacted]’s current balance on her account is $53.07 with a minimum payment of $7.99 due by July 13, 2016. If Ms. [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ca
CONFIDENTIAL COMMUNICATION August 8, 2017 Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: [redacted] Complaint # [redacted] Dear Ms. [redacted], We are writing in response to Ms. [redacted]’s response to her complaint. In Ms. [redacted]’s response she states we must refund her $16.99 shipping fee. Our return policy states in part: We'll gladly provide an exchange or refund your purchase price (excluding discounts, and any shipping and handling charges) for items returned in their original condition within 180 days after you receive them. For products returned in original condition within 60 days of your receipt, refunds will be made in your original form of payment equal to your original purchase price (excluding discounts, and any shipping and handling charges). Shipping and handling is nonrefundable. If Ms. [redacted] has any additional questions or concerns she may contact Customer Service at ###-###-####. Their hours of operation are Monday-Friday 9:00am-9:00pm Eastern Time. Thank you for allowing us to explain. Sincerely, Denise [redacted] Executive Care Team
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me, but, I would like to wait until I am sure they will be removing the negative report on my credit report. My fico score dropped 43 points because of this, and again, they admitted it was their fault. I was told they would remove it from my credit report but I want to make sure they do.
I am rejecting this response because:
I bought...
the camera with the believe if it did not work I can return the Item. Finger hut customer representative told me to call Kodak , and Kodak told me I have to pay and sent the camera back to them and they will send me another camera. I don not think it is fair after spending over 100$ for a camera that do not work I should have to spend more money to return it, when I was charge a deliver fee from Fingerhut $35.00 in the first place. They are selling items that do not work and all the expense to correct their mistake I have to pay for it. That is not fair
I am rejecting this response because:
First off, my account balance is IRRELEVANT to this issue. I KNOW the shoes have to be returned. I didn't want credit on my account as I need a pair of shoes. You are waiving shipping but that still penalizes me because it increases my balance and interest charged on that balance until this is completed.Its funny as long as I have been your loyal customer that you are giving me such a run around. Were this ordered from Amazon, it would have already been replaced and the defective shoes would be on the way back to them.I will not accept any offered solution by you that doesnt replace these shoes without causing a penalty to me in balance/interest/payment going up on my account. I make my payments regularly and have only been late once since I opened an account with you.
I am rejecting this response because:The fact that someone that chose NOT to identify themselves beyond stating that they were my spouse is not sufficient proper identification to discuss with them sensitive information. ANYTHING to do with my account is not something that should be discussed with ANYONE else without proper certification that this person has permissions either directly from me, by use of a legal documentation such as a power of attorney or a death and marriage certificate confirming my death, or a legal statement of guardianship due to incapacitation or the correct procedure for legal system requirements. As none of those occurred, even giving my payment due amount, the fact that it WAS past due, taking any directions about the account, or anything other than a message for me to call them about a business matter, is unacceptable.. As to my request not to be contacted by phone or to allow for certain times and days is imperative that this be addressed properly. Restricting my account from use because I do not want to accept a phone call at my convenience is also unacceptable. This was not addressed except to say that I would likely only be contacted in the case of late payments, however my point is that I do not CARE what the reason is, I want to have the right NOT to accept or answer a phone call without having my account restricted from use. If my payment is late it is something I usually am aware of and can do nothing about it, as I am on a limited income and sometimes other bills like food and utilities, take priority.. This can and should be handled strictly by email. The phone numbers listed, include my current number that ends in [redacted] and a number that I have not had since 2010. I have consistently kept my numbers update including when this one was changed. That number, ###-###-#### , needs to be removed from the account
CONFIDENTIAL COMMUNICATION March 6, 2017 Better Business...
Bureau of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’ inquiry, she states that she contacted Fingerhut on February 23, 2017, with inquiry as to why she was billed interest for 2 months after the payments were deferred. Ms. [redacted] states that she felt that the representative she spoke with was rude and cut her off while speaking. Ms. [redacted] asked if she would pay her balance in full, could she have the interest waived that she did not know about. We have reviewed the phone call that occurred between Ms. [redacted] and our customer service representative. In the call, the representative did explain to Ms. [redacted] that all accounts are charged interest, and that our deferment plans are intended to give our customers a period of time where they have no payments due. The representative explained that the information about our deferment plans can be located on the cover of the catalog under the promotion, which states: “Interest will be billed to your account starting on the purchase date. Interest will be added monthly, but no payments on this purchase are due during the deferral period. You will still be responsible for the interest billed, even if the Deferred Balance is paid off before the expiration date.” We apologize the interaction Ms. [redacted] had with one of our employees did not meet her expectations. Her report of unacceptable service from one of our agents is regrettable. Our representatives are accountable to meet our professional standards. Please understand that Ms. [redacted]’ account is an interest-bearing, revolving credit account and is subject to accrued interest charges whenever a balance is carried month to month. The account is also subject to late fees if payment is not received by the specified date or is less than the required minimum due shown on the statement. For these reasons and further close review of Ms. [redacted]’ account, her balance as of this response is fully accurate. As the information related to the deferral is made available to the customer at the time of purchase, we will not be removing any interest related to purchases Ms. [redacted] is responsible for. If Ms. [redacted] has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:00 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.I will keep a close eye on the account to make sure the $20 credit is posted.
CONFIDENTIAL COMMUNICATION August 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 additional inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account. Ms. [redacted] states her Fingerhut account was sold to [redacted] and [redacted] has issued documentation that the balance has been paid full. Ms. [redacted] is requesting that Fingerhut, as the original creditor, should make the corrections to her credit report that she is requesting or take their name off her account. As stated in our previous response, Ms. [redacted] opened a Fingerhut account on May 5, 2014. Three orders were placed on May 5, 2014, May 14, 2014 and May 19, 2014. Fingerhut did not receive any payments for the three orders placed on Ms. [redacted]’s account. On December 12, 2014, the account charged off with an unpaid balance of $456.23 and Fingerhut ceased collections. Ms. [redacted]’s account was sold to [redacted] on January 15, 2015. On January 15, 2015, Fingerhut reported Ms. [redacted]’s account to the credit bureaus as Purchased by Another Lender with a balance and past due of $0.00. Since that date, Fingerhut is no longer sending monthly reporting to the credit bureaus because Fingerhut no longer owns Ms. [redacted]’s account. According to an account review on August 9, 2016, Equifax and Experian are reporting Ms. [redacted]’s account accurately as Purchased by Another Lender or Transfer/Sold with a balance and past due of zero. A representative at Trans Union confirmed that they have deleted the Fingerhut trade line. We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Ms. [redacted]’s Welcome Packet. It states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Ms. [redacted] has further questions regarding her account, [redacted] can be reached directly at ###-###-####. Thank you for allowing us to assist and explain. Sincerely, Kari [redacted] Executive Care Team KD/lg
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Thank you.
CONFIDENTIAL COMMUNICATION June 22, 2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] asserts that he does not believe he owes a balance on his Fingerhut account. Our records indicate credit was issued on May 11, 2016 for the jewelry set, however, as it was explained to Mr. [redacted] in our previous response, he is responsible for shipping and handling costs. Our return policy states, “The original and return shipping/handling is non-refundable if your item is not damaged, defective or in the case of a shipping error.” This policy is available on our website by clicking ‘Returns’, in the “blue pages” of our catalog, and on the customer’s packing slip inserted with their shipment. Our records indicate Mr. [redacted] owes a payment of $81.73 due by July 2, 2016 in order to avoid delinquency and possibly a late fee on his account. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/jm
CONFIDENTIAL COMMUNICATION September 22,...
2016 ...⇄ Revdex.com of Minnesota �...⇄ [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted], regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states that he did not receive the power washer he ordered on August 14, 2016. He contacted us via email on August 22, 2016 and we responded back asking if he wanted the item replaced or credited, and he advised he would like the item replaced. His inquiry also states that we ordered the wrong item to be resent to him, an Xbox charger pack. Mr. [redacted] says that when he called us to advise we’d ordered the wrong item, the agent advised she would need to credit the original power washer and recharge his account for the replacement order. Our findings, after researching Mr. [redacted]’s account, are in alignment with what he states occurred. He contacted us to advise he did not receive the power washer, and an incorrect replacement was sent to him. We apologize that the incorrect item was sent to Mr. [redacted]. On August 29th, 2016, a no charge order was placed for the Sun Joe 2030 PSI Pressure Washer. Tracking indicates it was delivered on September 1, 2016. We have issued credit for the second Xbox charger pack, since we sent it to Mr. [redacted] in error. He may keep the merchandise at no cost. As a courtesy, we are also sending Mr. [redacted] a discount coupon, under separate cover, for $20.00 that he may use on a future order. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because:
I am disputing the payments that were made once the agreement with my debt management company and Gettington were agreed upon. All of the payments were made on time and the amount agreed upon. Once I found that I was being reported 180 plus days late I contacted Gettington who advised me they would not speak with me until I dropped the debt management company. I dropped them and contacted Gettington back and was advised to pay approximately 90.00 and that would bring me current, of which I did. My next bill was for over 200.00 or to be paid in full which was obviously not an option. I attempted several times to correct this or find a solution and got the same rude lady at their 800 number. I agree with the response to report the truth and the report they are making is NOT the truth. Please review the attached documents and thank you for your time.
CONFIDENTIAL COMMUNICATION December 29,...
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry, she states that she received notification that her available credit was increased and when she tried to use it, Ms. [redacted] received an error code. Ms. [redacted] also inquired as to why she was not able to place orders using her debit card. On October 25, 2016, Ms. [redacted] attempted to place an order on our website. At the time of the order being placed, her credit limit had been decreased from $800.00 to $300.00. A letter was sent the same day explaining the reason for the credit line decrease to the address we have on file for her. As stated in the terms and conditions of the account that Ms. [redacted] agreed to when she opened it, “We may increase or reduce your credit limit, or suspend or terminate your Account, at any time with or without cause. We will provide notice to you to the extent required by applicable law.” Ms. [redacted] contacted us on October 25, 2016 asking the reason for the credit line decrease. The agents correctly advised Ms. [redacted] that a letter had been sent to her and to allow more time to receive the letter explaining the reason for the decrease to her credit limit. Regarding, Ms. [redacted]’s inquiry of receiving and error message when using her debit card. Ms. [redacted]’s first order was placed with a debit card and successfully shipped. When Ms. [redacted] attempted to place another order on the same day, with the same billing and shipping addresses, the debit card was declined because of a fraud prevention rule within the processing system. These rules are in place to protect consumers, and we apologize for the inconvenience this caused Ms. [redacted]. The third attempt in placing an order on the same day, the debit card declined the sale. We are unsure of the reason for the third attempt declined, and suggest Ms. [redacted] check with her financial institution for additional information. If Ms. [redacted] has any further question she may contact our Customer Service Department, Monday-Friday between the hours of 8:00 am and 8:00 pm, Central Time at ###-###-####. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/RG
I am rejecting this response because:
It is...
absolutely ludicrous. Where does it state in their business practices that they discriminate agains new customers? This is the USA. We do not tolerate businesses that discriminate. How does the Revdex.com condone this behavior. Why do I need to provide a replacement box when the original box was obliterared in shipment. If I wanted to go to a furniture store I would have purchased the chair there. My husband is disabled and I go to work, to the doctor, and to the grocery store and that is it. I recommend this business have their Revdex.com seal removed. They cannot charge me for damaged goods without making an earnest attempt to help me get the product I ordered. They need to file a claim with their shipper to make arrangements for the exchange or refund. If they make an appointment with me I can arrange to be home for the transfer. I work during the day so I would have to arrange a day off.
Dear Ms. [redacted], Please see my attached letter to your office regarding [redacted]’s concerns. My response exceeds the 2000 character limit so I have attached it to this inquiry. Thank you, Lea [redacted] Haband Customer Service Bluestem Brands, Inc.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I am sending the drone back to them for a refund. I shall follow up if no action is taken upon receipt of the item. Thank you for your time and concern,[redacted]