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
Initial Business Response /* (1000, 5, 2015/07/06) */
CONFIDENTIAL COMMUNICATION
July 2, 2015
Revdex.com of Minnesota Account #: [redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and the last three statements.
Mr. [redacted] states in his complaint that he is receiving up to five calls per day on an account that Mr. [redacted] says is current. Mr. [redacted]'s desired resolution is for the calls to cease.
Based on our research, an account was opened with a representative on May 4, 2012 using Mr. [redacted]'s name and social security number when an order was placed for a Rachael Ray 10pc Hard Anodized Cookware Set. The merchandise was shipped via FedEx Home on May 8, 2012 to the same address as listed in the complaint.
Our records indicate that a recent payment of $40.00 received on May 31, 2015 did not satisfy the minimum payment due of $46.99 by June 11, 2015. This left a past due balance of $6.99.
Please note that when the required minimum payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date.
Mr. [redacted]'s account is in a current status. Thank you for your most recent payment of $40.00 on July 1, 2015.
To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a remaining minimum payment of $26.98 is due by July 11, 2015.
If Mr. [redacted] wishes to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted], St. Cloud, MN, 56303.
Please note, if a cease and desist status is placed on Mr. [redacted]'s account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desist. A monthly statement will continue to be mailed.
Mr. [redacted]'s account would also be closed to future purchases and additional purchases on the account will not be allowed. However, Fingerhut orders may be placed online using Visa, MasterCard, or Discover to pay for the order.
Any outstanding balance will continue to accrue interest and you may be assessed late fees and Mr. [redacted]'s account is still subject to the original terms and conditions of the Agreement.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sjj
Enclosures
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] states she ordered merchandise from Fingerhut. She did not receive this item on time and purchased the item elsewhere. The package was left at the front door and the box was not in perfect condition. She states she returned the merchandise to Fingerhut, then recieved a bill for the shipping/handling charges. Ms. [redacted] desired result is a full refund and not have Fingerhut contact her again. Our records indicate Ms. [redacted] purchased a Magic Bullet Hi-Speed Blender/Mixer System on June 10, 2016. Using the tracking number [redacted] we show this product was delivered by the local post office on June 17, 2016. We apologize Ms. [redacted] did not receive her merchandise on the date expected. We provide customers with our best estimate as to when a package will be delivered, however, occasionally packages are delivered outside of this timeframe due to factors outside of our control. We received the return of the blender/mixer from Ms. [redacted] on July 5, 2016. A credit of $37.04 was issued to her WebBank/Fingerhut Advantage account for the full merchandise price, but 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.” Ms. [redacted] was required to pay for the original shipping/handling of $19.99. Likewise, a return postage fee of $14.95 was deducted from the credit because Ms. [redacted] did not indicate why she was returning the product. At this time the current balance on Ms. [redacted]’s Fingerhut Account is $28.14. A minimum payment of $8.99 is due by August 9, 2016. Additionally, we have updated our records and removed Ms. [redacted] from our mailing list, but because our catalogs are printed in advance, she should allow 6 to 8 weeks for this request to process. Per Ms. [redacted]’s request, we have revoked consent to call the telephone number, ###-###-####, which is currently associated to her account. If Ms. [redacted] has any questions regarding this matter she may contact Fingerhut Customer Service at ###-###-#### Monday through Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because: Because I am now being asked to submit another down payment $30.00 for a returned item! I the item was unopened and and FingerHut just kept my down payment and deined me from using the returned credit period. I have a letter from Fingerhut stating they would return my $30.00 and to get a letter from my bank. So now why is Fingerhut saying the $30.00 was for returned shipping? I can fax a copy of the letter that Fingerhut sent me this year in April 05, 2016 with that information stated.
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
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.
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 $0.00. Since that date, Fingerhut is no longer sending monthly reporting to the credit bureaus because Fingerhut no longer owns Ms. [redacted]’s account. According to an account review on August 9, 2016, Equifax and Experian are reporting Ms. [redacted]’s account accurately as Purchased by Another Lender or Transfer/Sold with a balance and past due of zero. A representative at Trans Union confirmed that they have deleted the Fingerhut trade line. We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Ms. [redacted]’s Welcome Packet. It states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Ms. [redacted] has further questions regarding her account, [redacted] can be reached directly at ###-###-####. Thank you for allowing us to assist and explain. Sincerely, Kari [redacted] Executive Care Team KD/lg
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me, but, I would like to wait until I am sure they will be removing the negative report on my credit report. My fico score dropped 43 points because of this, and again, they admitted it was their fault. I was told they would remove it from my credit report but I want to make sure they do.
the camera with the believe if it did not work I can return the Item. Finger hut customer representative told me to call Kodak , and Kodak told me I have to pay and sent the camera back to them and they will send me another camera. I don not think it is fair after spending over 100$ 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
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.
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.
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 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
I am rejecting this response because:
My account...
was never credited for the shipping and handling costs. I am not sure what is going on but now my account balance is higher and I did make my payment too. So I am still very dissatisfied with the way fingerhut treats there customers. I have NEVER missed a payment before except in july. I feel as if I'm being ripped off and I'm just trying to get this issue resolved.
CONFIDENTIAL COMMUNICATION June 21, 2017 ...⇄ Better...
Business Bureau of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attached letter(s) of response as it exceeds the 2,000 max character count.
made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I reviewed and now its showing they are no longer charging for safe line. I will continue to pay but if I have any more issues with this company I am filing another complaint. There were several times I made a payment and the bill did not budge. Terrible company and I will be sure to let others know to never use this company when using credit.
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:
They stuck me with a pc knowing good and well that I called and they did not log the call correctly that is what I was told by 2 other customer service reps/
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
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.
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
Initial Business Response /* (1000, 5, 2015/07/06) */
CONFIDENTIAL COMMUNICATION
July 2, 2015
Revdex.com of Minnesota Account #: [redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and the last three statements.
Mr. [redacted] states in his complaint that he is receiving up to five calls per day on an account that Mr. [redacted] says is current. Mr. [redacted]'s desired resolution is for the calls to cease.
Based on our research, an account was opened with a representative on May 4, 2012 using Mr. [redacted]'s name and social security number when an order was placed for a Rachael Ray 10pc Hard Anodized Cookware Set. The merchandise was shipped via FedEx Home on May 8, 2012 to the same address as listed in the complaint.
Our records indicate that a recent payment of $40.00 received on May 31, 2015 did not satisfy the minimum payment due of $46.99 by June 11, 2015. This left a past due balance of $6.99.
Please note that when the required minimum payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date.
Mr. [redacted]'s account is in a current status. Thank you for your most recent payment of $40.00 on July 1, 2015.
To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a remaining minimum payment of $26.98 is due by July 11, 2015.
If Mr. [redacted] wishes to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted], St. Cloud, MN, 56303.
Please note, if a cease and desist status is placed on Mr. [redacted]'s account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desist. A monthly statement will continue to be mailed.
Mr. [redacted]'s account would also be closed to future purchases and additional purchases on the account will not be allowed. However, Fingerhut orders may be placed online using Visa, MasterCard, or Discover to pay for the order.
Any outstanding balance will continue to accrue interest and you may be assessed late fees and Mr. [redacted]'s account is still subject to the original terms and conditions of the Agreement.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sjj
Enclosures
CONFIDENTIAL COMMUNICATION July 19,...
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] states she ordered merchandise from Fingerhut. She did not receive this item on time and purchased the item elsewhere. The package was left at the front door and the box was not in perfect condition. She states she returned the merchandise to Fingerhut, then recieved a bill for the shipping/handling charges. Ms. [redacted] desired result is a full refund and not have Fingerhut contact her again. Our records indicate Ms. [redacted] purchased a Magic Bullet Hi-Speed Blender/Mixer System on June 10, 2016. Using the tracking number [redacted] we show this product was delivered by the local post office on June 17, 2016. We apologize Ms. [redacted] did not receive her merchandise on the date expected. We provide customers with our best estimate as to when a package will be delivered, however, occasionally packages are delivered outside of this timeframe due to factors outside of our control. We received the return of the blender/mixer from Ms. [redacted] on July 5, 2016. A credit of $37.04 was issued to her WebBank/Fingerhut Advantage account for the full merchandise price, but 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.” Ms. [redacted] was required to pay for the original shipping/handling of $19.99. Likewise, a return postage fee of $14.95 was deducted from the credit because Ms. [redacted] did not indicate why she was returning the product. At this time the current balance on Ms. [redacted]’s Fingerhut Account is $28.14. A minimum payment of $8.99 is due by August 9, 2016. Additionally, we have updated our records and removed Ms. [redacted] from our mailing list, but because our catalogs are printed in advance, she should allow 6 to 8 weeks for this request to process. Per Ms. [redacted]’s request, we have revoked consent to call the telephone number, ###-###-####, which is currently associated to her account. If Ms. [redacted] has any questions regarding this matter she may contact Fingerhut Customer Service at ###-###-#### Monday through Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because: Because I am now being asked to submit another down payment $30.00 for a returned item! I the item was unopened and and FingerHut just kept my down payment and deined me from using the returned credit period. I have a letter from Fingerhut stating they would return my $30.00 and to get a letter from my bank. So now why is Fingerhut saying the $30.00 was for returned shipping? I can fax a copy of the letter that Fingerhut sent me this year in April 05, 2016 with that information stated.
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
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.
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 $0.00. Since that date, Fingerhut is no longer sending monthly reporting to the credit bureaus because Fingerhut no longer owns Ms. [redacted]’s account. According to an account review on August 9, 2016, Equifax and Experian are reporting Ms. [redacted]’s account accurately as Purchased by Another Lender or Transfer/Sold with a balance and past due of zero. A representative at Trans Union confirmed that they have deleted the Fingerhut trade line. We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Ms. [redacted]’s Welcome Packet. It states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Ms. [redacted] has further questions regarding her account, [redacted] can be reached directly at ###-###-####. Thank you for allowing us to assist and explain. Sincerely, Kari [redacted] Executive Care Team KD/lg
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me, but, I would like to wait until I am sure they will be removing the negative report on my credit report. My fico score dropped 43 points because of this, and again, they admitted it was their fault. I was told they would remove it from my credit report but I want to make sure they do.
I am rejecting this response because:
I bought...
the camera with the believe if it did not work I can return the Item. Finger hut customer representative told me to call Kodak , and Kodak told me I have to pay and sent the camera back to them and they will send me another camera. I don not think it is fair after spending over 100$ 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
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.
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.
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 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
I am rejecting this response because:
My account...
was never credited for the shipping and handling costs. I am not sure what is going on but now my account balance is higher and I did make my payment too. So I am still very dissatisfied with the way fingerhut treats there customers. I have NEVER missed a payment before except in july. I feel as if I'm being ripped off and I'm just trying to get this issue resolved.
CONFIDENTIAL COMMUNICATION June 21, 2017 ...⇄ Better...
Business Bureau of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attached letter(s) of response as it exceeds the 2,000 max character count.
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 reviewed and now its showing they are no longer charging for safe line. I will continue to pay but if I have any more issues with this company I am filing another complaint. There were several times I made a payment and the bill did not budge. Terrible company and I will be sure to let others know to never use this company when using credit.
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:
They stuck me with a pc knowing good and well that I called and they did not log the call correctly that is what I was told by 2 other customer service reps/
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
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.