I am rejecting this response because:
I did not receive any letter stating this account would be closed. I had contacted the Attorney General and the Attorney General office told me that the business would have to send me a certified letter to close my account for inactivity since it affects my credit report. I never received any letters or notice and when I requested a book to be sent to me in October they did not say anything that this would be closed for in activity. Since there were no certified letter sent to me I am requesting my account be reopened under the same account number. Also I was told it was going to be reopened and that they would do a soft pull on my credit report . This was done with Experian in the beginning of March. The representative told me that they pulled it and it would be reopened. No I get this letter stating it not. How can they say they did not pull a credit report when it shows on my credit report.
made phone call to Fingerhut, the lady told me that I needed to call back the same number I just called for the hold on account. They are telling me it's for a phone number, when the account shows my correct number and an address that I've never lived at. I have cancelled the account... And the company states that it can report good or bad credit to the credit agencies, however I have spoken with several Revdex.com's and attorneys. The company can not report good credit standing if cancelled,(even if they want) to ruin someone's good credit. As for a gift card to fix the situation... I don't want their buisness, Reviews SPEAK for themselves... I know that my reviews are out there already!!!
I am rejecting this response because: I am not clear on why I am still responsible for a cancelled insurance policy thru Affinion Group as of November and was informed by that company of no further responsibility to Fingerhut.. They recommended that I should disregard the letters and that Fingerhut was not even being billed any longer.
CONFIDENTIAL COMMUNICATION July 21, 2016 ...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] states her bank has verified no changes have been made to account numbers and that based upon this information she would like her credit file to be updated. As stated previously, we do not know the reason why Ms. [redacted]’s bank did not accept the payments. In order for us to further investigate her concerns, we need to receive verification from Ms. [redacted]’s financial institution that there have been no changes made to the bank routing number, bank name, or to Ms. [redacted]’s banking account information or number. This verification may be completed by Ms. [redacted]’s financial institution and submitted to us by mail or by fax on the financial institution’s letterhead. If by mail, please send to Executive Care Team Attn: Becky [redacted] Saint Cloud, MN. 56303 or by fax to ###-###-#### Attn: Becky. As a reminder, Ms. [redacted] should include her 10-digit cr with the documentation she receives from her financial institution. Once received, we will investigate further. If Ms. [redacted] has further questions or concerns she may contact our Customer Service Department at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because:I had never received a letter of affidavit from them. Also they claim that they have never received a letter from me disputing the account and the charges, I even faxed it to the company. It was not until March 20, 2017 that I spoke with a lady in their fraud department that she emailed me an MNR affidavit. Every time I call I am transferred to different departments with no resolution in sight.
I am rejecting this response because:Because not telling me that they stopping the collection with Jefferson and see why I just paid the settlement amount that was giving to me. So are they closing it on my credit report as zero balance/paid full settlement?
should not be penalized for the mistakes of their employees. Not only have they not issued credit as promised, they've also kept the items so I'm out the money and the products. This needs to be corrected. I have notified the attorney general of this issue as well.
June 30, 2017 Re: [redacted] Case # 12236148 We are writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding Old Pueblo Traders VIP Plus program. In Ms. [redacted]'s inquiry, she states she made a purchase for a...
skirt, ballerina flats, two cardigans and a velour pant set from Old Pueblo Traders on October 20, 2014 and was enrolled in the Old Pueblo Traders VIP Plus program without her knowledge. In contacting VIP Plus, they offered her a six month refund. Ms. [redacted] is requesting a full refund, to be removed from Old Pueblo Traders and their affiliated companies mailing and email lists and for this predatory program to be immediately stopped. To enroll in the Old Pueblo Traders VIP Plus program, Ms. [redacted], was first required to click on the offer and she was then taken to a web page that fully disclosed the terms, benefits, and costs of the Old Pueblo Traders VIP Plus program. By entering her e-mail address, zip code and clicking the "Join" button, she activated a membership in Old Pueblo Traders VIP Plus program. Had she skipped any one of these steps, no membership would have been established. Per Ms. [redacted]'s request and consistent with the terms and conditions of the Old Pueblo Traders VIP Plus program, we canceled her membership on June 13, 2017 and issued six credits of $14.97 each to her Discover Card ending in [redacted]. On June 29, 2017, twenty-six additional credits of $14.97 each and one credit of $1.99 were also credited to Ms. [redacted]'s Discover Card ending in [redacted]. The total amount of credits issued to Ms. [redacted]'s Discover Card to date is $481.03. She has been refunded for the total amount she paid for the Old Pueblo Traders VIP Plus program. We have removed Ms. [redacted] from Old Pueblo Traders and all of our affiliated companies mailing and email address per her request. Thank you for allowing us to explain. Diane [redacted]
For starters the 30 day return policy isn't what the...
representative told me. Also if I purchased it for Christmas, it would be after 30 days. Based on the Consumer Fair Trading Act, "Prohibited trading conduct,The FTA prohibits traders from: misleading and deceptive conduct generally unsubstantiated claims, false representations, unfair practice and unfair contract terms." The company has a responsibility to ensure products sold from their corporation is in working condition. How can I return the product unused if I need to see if it works? The company's warehouse should be investigated if two products is in non-working condition. There is a year warranty on the product and why should I be sent on the run around and still pay them with interest on a damaged product. The company I'm paying is responsible. I've contacted both manufacturing company's and Nostalgic advised me to call Fingerhut because they didn't have any facilities near me. Plus it would cost $40 to ship it to them when I paid Fingerhut shipping. This is ridiculous and a horrible Their Party company making money off consumers and could careless about the products working condition.
I am rejecting this response because: It is simply ridiculous and a bureaucratic runaround to avoid accepting any responsibility for their unethical and predatory practices. This company has ZERO accountability for itself, as anyone can see from reading the published Revdex.com complaints. Their reputation via numerous review sites - like Google, Yelp, Facebook, etc. speaks for itself. You may have screwed YET ANOTHER consumer, but don't worry - this WILL catch up with you. I may only have 600-ish followers on Facebook and other sites, but BEST believe I will be posting about this over and over and over warning people not to fall for your phony appearance of wanting to "help" people. This review will go on Google, Yelp, BlueBrands social media sites, and any other place that I can possibly get it. Their your products are crap for quality - not only did my son's bike arrive broken, but it fell apart by that winter and was unsalvageable. Pictures of that went all over FB and I cannot tell you the volume of people who responded with similar issues and distaste. Fingerhut specifically target people who have poor credit - and are most likely low income - and offer financing and "great pricing", when really, you almost double SRP to these people, taking advantage of the fact that they can't buy anywhere else. You operate like a Buy Here Pay Here - you are the loan sharks of the retail world. Your claim of doing your best to provide quality service is a sad joke. I cannot wait for the day that Amazon or Walmart or some LEGITIMATE company buys you out and dissolves the company altogether - that day will be a win for consumers nationwide. I will be filing complaints with all 3 credit bureaus (in fact I have already started) and will make it a CAMPAIGN to advocate against your company. Absolutely disgusted!!!!
I am rejecting this response because:
Gettington has not credited my account, they added $24.36 for a total of $48.72 in late fees. For the record, PNC put the stop payment on the check the supervisor said had not been received. I want all bogus late fees removed from my account. Payment for January will be received on January 6 2017.
Initial Business Response /* (1000, 5, 2015/06/25) */
CONFIDENTIAL COMMUNICATION
June 24, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted] A
Dear Ms....
[redacted],
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate that the account was opened in Ms. [redacted]'s name via the web on May 17, 2015 with Ms. [redacted]'s information. An order was placed on May 17, 2015 via the web for a Samsung HD 52x Optical Zoom Camcorder in Black, Seiko Men's Goldtone Chronograph Sport Watch, BLU Studio 6.0 HD Unlocked Android Smartphone, PS4 Call of Duty: Ghosts and Casio Men's Chronograph Bracelet Watch and delivered to [redacted] Mechanicsburg, PA 17050.
Our records indicate that two other orders were placed via the web on May 19, 2015 for a HP 11.6" 32GB Windows 8.1 Laptop and a BLU Studio 5.5 Unlocked Android Smartphone - Blue and delivered to [redacted] Mechanicsburg, PA 17050.
Ms. [redacted]'s account indicates she contacted us on May 20, 2015 informing the customer service representative that she had not placed these orders and will be returning the items.
When a customer claims there is an account they have not opened, or there are purchases on their account they did not make, we have certain policies and procedures to follow so we can investigate the matter. This matter was referred to our Credit Risk department and an affidavit was sent to Ms. [redacted] on May 20, 2015 and received on June 4, 2015.
Our records indicated all items were returned with the exception of the BLU Studio 6.0 HD Unlocked Android Smartphone. A letter requesting a police report was sent to Ms. [redacted] on June 11, 2015 and we received the requested information on June 18, 2015.
Our Credit Risk Department has confirmed that the account is currently marked as fraud and all activity on the account is restricted.
A request was submitted to the credit bureaus on June 18, 2015 to completely remove both the original inquiry and the credit trade-line itself. Ms. [redacted] should allow up to 60 days for these updates to reflect on your credit file.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca
July 21, 2016 ...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a PayCheck Direct Account. Ms. [redacted] states she is unable to box and return the merchandise to PayCheck Direct. She indicates if she is to breakdown the item, PayCheck Direct will not be able to properly assess the damage. Ms. [redacted] feels she should not be responsible for paying the shipping for this product. After reviewing the photograph Ms. [redacted] included in her complaint, PayCheck Direct has credited the merchandise as a courtesy to Ms. [redacted]. Ms. [redacted] will not need to return this item. The full merchandise price of $159.99, tax amount of $10.00, 1 Year Service Plan of $15.99, and the shipping/handling of $79.99 was credited on July 20, 2016. This refund check will be mailed to Ms. [redacted]’s address, [redacted] Ervina, MA 01344, on July 27, 2016. She should allow 5-7 business days to receive this check. If Ms. [redacted] has any additional questions she may contact PayCheck Direct at ###-###-####. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate Ms. [redacted] purchased a Speedway 8 Drawer Tool Tower on December 11, 2014. On December 22, 2014 Ms. [redacted] contacted Fingerhut stating there were parts missing. A request was sent to the vendor to mail out the missing parts of the tool tower. On January 28, 2015 Ms. [redacted] contacted Fingerhut stating she still had not received the missing parts. As a goodwill gesture a $20 discount coupon to use on a future purchase was mailed to Ms. [redacted]. Ms. [redacted] contacted Fingerhut on February 3, 2015 stating she was still waiting on the missing parts of the tool tower. An additional e-mail was sent to the vendor to send the missing parts to Ms. [redacted]. At this time she was told to allow up to three weeks to receive the parts. As a courtesy on that same date $65.99 was credited for the shipping and handling charges. On February 11, 2015 the vendor informed Fingerhut that replacement parts were not available. On that same date an agent sent Ms. [redacted] return instructions with a prepaid postage label to return the product back to Fingerhut for credit. We received this product from Ms. [redacted] on April 8, 2015. Credit in the amount of $187.99 was applied to Ms. [redacted]’s account on that same date. Additionally, we have updated the delinquency information on Ms. [redacted]’s credit reporting to reflect the change in balance. We advise to allow up to 60 days for the update to process. We apologize for any inconvenience this may have caused Ms. [redacted]. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS [redacted]
Initial Business Response /* (1000, 5, 2015/10/30) */
CONFIDENTIAL COMMUNICATION
October 30, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am...
writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Ms. [redacted] is a valued customer and we regret any difficulty she experienced with us relating to the payment issue outlined in the inquiry. All agents are accountable to meet our professional standards, and we apologize if these were not always lived up to with Ms. [redacted].
Our records confirm that Ms. [redacted]'s payment referenced in the inquiry and made through her Bill Pay provider was received here on October 20, 2015. However, there was a delay in processing the payment due to being submitted with Ms. [redacted]'s 10-digit Customer ID number instead of her 16-digit Account Number. On October 22, 2015 we were able to match up and post the payment to Ms. [redacted]'s account. Once this processing was completed, the correct payment date was indicated by back-dating it to the received date of October 20, 2015.
As a reminder, customers using a Bill Pay service to remit payments to us are required to provide their 16-digit WebBank/Fingerhut credit account number.
We appreciate Ms. [redacted] making a second, separate payment on her due date of October 22, 2015 while we finished processing the bill pay payment. Our records show her bank put a stop payment on the second payment, likely after Ms. [redacted] confirmed the bill pay payment had posted to her account. Although the stop payment resulted in a return payment fee being assessed, we have already credited it back to the account given the special circumstances involved. The credit will reflect on Ms. [redacted]'s next monthly statement for her records.
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (2000, 7, 2015/11/12) */
I am rejecting this response because:
the interest wasnt explained for deferring the payments the first few months. therefore, they see ive been a customer several years, they should waive the interest that I didnt know was billed for the last 2 months. if not. I already paid half my balance. the other half will be paid off and closed soon.
Full response attached. CONFIDENTIAL COMMUNICATION: Ms. [redacted] should expect to receive a billing statement each month, showing an amount due by a certain date each month. She can make payments on our website, by calling or us by mailing her payment in. If she needs to make payment arrangements, she...
can call us at ###-###-#### between the hours of 7:00am and 9:00pm, CT, Monday through Friday. We have credited a late fee as a courtesy, and that will be reflected on a future billing statement.
CONFIDENTIAL COMMUNICATION April 20, 2018 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case #[redacted] – [redacted] Dear Mr. [redacted], I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut Credit Account for Ms. [redacted]. Ms. [redacted] states that she purchased insurance in the event she became unable to work, and submitted paperwork to file a claim for the months she was out of work. She further indicates that her claim was not approved, and requests a full refund of all payments she has made on the account. We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, we have attached our response for the consumer to review. Vi [redacted]Executive Care TeamVF/ah
CONFIDENTIAL COMMUNICATION November 11, 2016 Revdex.com of...
Minnesota �...⇄ Attn: Ms. [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut credit account ending in [redacted]. We have included a statement of account activity. Mr. [redacted] states he has advised Fingerhut on several occasions that he can pay $5.00 per month. Mr. [redacted]’s desired resolution is to accept his payment arrangement and waive late fees. We value Mr. [redacted]’s business and although we understand his situation, we cannot honor his proposal as outlined. Our records indicate that the last payment of $5.00 was received on October 16, 2016. On November 10, 2016, Mr. [redacted]’s WebBank/Fingerhut credit account charged off with an unpaid balance of $721.61. Mr. [redacted]’s account is subject to be sold. It is no longer eligible for a settlement or payment plan; the entire balance is due. Mr. [redacted] may contact our Billing Department at ###-###-#### to make a same-day payment. Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosure
I am rejecting this response because:
I did not receive any letter stating this account would be closed. I had contacted the Attorney General and the Attorney General office told me that the business would have to send me a certified letter to close my account for inactivity since it affects my credit report. I never received any letters or notice and when I requested a book to be sent to me in October they did not say anything that this would be closed for in activity. Since there were no certified letter sent to me I am requesting my account be reopened under the same account number. Also I was told it was going to be reopened and that they would do a soft pull on my credit report . This was done with Experian in the beginning of March. The representative told me that they pulled it and it would be reopened. No I get this letter stating it not. How can they say they did not pull a credit report when it shows on my credit report.
I am rejecting this response because: When I...
made phone call to Fingerhut, the lady told me that I needed to call back the same number I just called for the hold on account. They are telling me it's for a phone number, when the account shows my correct number and an address that I've never lived at. I have cancelled the account... And the company states that it can report good or bad credit to the credit agencies, however I have spoken with several Revdex.com's and attorneys. The company can not report good credit standing if cancelled,(even if they want) to ruin someone's good credit. As for a gift card to fix the situation... I don't want their buisness, Reviews SPEAK for themselves... I know that my reviews are out there already!!!
I am rejecting this response because: I am not clear on why I am still responsible for a cancelled insurance policy thru Affinion Group as of November and was informed by that company of no further responsibility to Fingerhut.. They recommended that I should disregard the letters and that Fingerhut was not even being billed any longer.
CONFIDENTIAL COMMUNICATION July 21, 2016 ...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] states her bank has verified no changes have been made to account numbers and that based upon this information she would like her credit file to be updated. As stated previously, we do not know the reason why Ms. [redacted]’s bank did not accept the payments. In order for us to further investigate her concerns, we need to receive verification from Ms. [redacted]’s financial institution that there have been no changes made to the bank routing number, bank name, or to Ms. [redacted]’s banking account information or number. This verification may be completed by Ms. [redacted]’s financial institution and submitted to us by mail or by fax on the financial institution’s letterhead. If by mail, please send to Executive Care Team Attn: Becky [redacted] Saint Cloud, MN. 56303 or by fax to ###-###-#### Attn: Becky. As a reminder, Ms. [redacted] should include her 10-digit c
r with the documentation she receives from her financial institution. Once received, we will investigate further. If Ms. [redacted] has further questions or concerns she may contact our Customer Service Department at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because:I had never received a letter of affidavit from them. Also they claim that they have never received a letter from me disputing the account and the charges, I even faxed it to the company. It was not until March 20, 2017 that I spoke with a lady in their fraud department that she emailed me an MNR affidavit. Every time I call I am transferred to different departments with no resolution in sight.
I am rejecting this response because:Because not telling me that they stopping the collection with Jefferson and see why I just paid the settlement amount that was giving to me. So are they closing it on my credit report as zero balance/paid full settlement?
I am rejecting this response because:
I...
should not be penalized for the mistakes of their employees. Not only have they not issued credit as promised, they've also kept the items so I'm out the money and the products. This needs to be corrected. I have notified the attorney general of this issue as well.
Please find our response attached.
June 30, 2017 Re: [redacted] Case # 12236148 We are writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding Old Pueblo Traders VIP Plus program. In Ms. [redacted]'s inquiry, she states she made a purchase for a...
skirt, ballerina flats, two cardigans and a velour pant set from Old Pueblo Traders on October 20, 2014 and was enrolled in the Old Pueblo Traders VIP Plus program without her knowledge. In contacting VIP Plus, they offered her a six month refund. Ms. [redacted] is requesting a full refund, to be removed from Old Pueblo Traders and their affiliated companies mailing and email lists and for this predatory program to be immediately stopped. To enroll in the Old Pueblo Traders VIP Plus program, Ms. [redacted], was first required to click on the offer and she was then taken to a web page that fully disclosed the terms, benefits, and costs of the Old Pueblo Traders VIP Plus program. By entering her e-mail address, zip code and clicking the "Join" button, she activated a membership in Old Pueblo Traders VIP Plus program. Had she skipped any one of these steps, no membership would have been established. Per Ms. [redacted]'s request and consistent with the terms and conditions of the Old Pueblo Traders VIP Plus program, we canceled her membership on June 13, 2017 and issued six credits of $14.97 each to her Discover Card ending in [redacted]. On June 29, 2017, twenty-six additional credits of $14.97 each and one credit of $1.99 were also credited to Ms. [redacted]'s Discover Card ending in [redacted]. The total amount of credits issued to Ms. [redacted]'s Discover Card to date is $481.03. She has been refunded for the total amount she paid for the Old Pueblo Traders VIP Plus program. We have removed Ms. [redacted] from Old Pueblo Traders and all of our affiliated companies mailing and email address per her request. Thank you for allowing us to explain. Diane [redacted]
For starters the 30 day return policy isn't what the...
representative told me. Also if I purchased it for Christmas, it would be after 30 days. Based on the Consumer Fair Trading Act, "Prohibited trading conduct,The FTA prohibits traders from: misleading and deceptive conduct generally unsubstantiated claims, false representations, unfair practice and unfair contract terms." The company has a responsibility to ensure products sold from their corporation is in working condition. How can I return the product unused if I need to see if it works? The company's warehouse should be investigated if two products is in non-working condition. There is a year warranty on the product and why should I be sent on the run around and still pay them with interest on a damaged product. The company I'm paying is responsible. I've contacted both manufacturing company's and Nostalgic advised me to call Fingerhut because they didn't have any facilities near me. Plus it would cost $40 to ship it to them when I paid Fingerhut shipping. This is ridiculous and a horrible Their Party company making money off consumers and could careless about the products working condition.
I am rejecting this response because: It is simply ridiculous and a bureaucratic runaround to avoid accepting any responsibility for their unethical and predatory practices. This company has ZERO accountability for itself, as anyone can see from reading the published Revdex.com complaints. Their reputation via numerous review sites - like Google, Yelp, Facebook, etc. speaks for itself. You may have screwed YET ANOTHER consumer, but don't worry - this WILL catch up with you. I may only have 600-ish followers on Facebook and other sites, but BEST believe I will be posting about this over and over and over warning people not to fall for your phony appearance of wanting to "help" people. This review will go on Google, Yelp, BlueBrands social media sites, and any other place that I can possibly get it. Their your products are crap for quality - not only did my son's bike arrive broken, but it fell apart by that winter and was unsalvageable. Pictures of that went all over FB and I cannot tell you the volume of people who responded with similar issues and distaste. Fingerhut specifically target people who have poor credit - and are most likely low income - and offer financing and "great pricing", when really, you almost double SRP to these people, taking advantage of the fact that they can't buy anywhere else. You operate like a Buy Here Pay Here - you are the loan sharks of the retail world. Your claim of doing your best to provide quality service is a sad joke. I cannot wait for the day that Amazon or Walmart or some LEGITIMATE company buys you out and dissolves the company altogether - that day will be a win for consumers nationwide. I will be filing complaints with all 3 credit bureaus (in fact I have already started) and will make it a CAMPAIGN to advocate against your company. Absolutely disgusted!!!!
I am rejecting this response because:
Gettington has not credited my account, they added $24.36 for a total of $48.72 in late fees. For the record, PNC put the stop payment on the check the supervisor said had not been received. I want all bogus late fees removed from my account. Payment for January will be received on January 6 2017.
Initial Business Response /* (1000, 5, 2015/06/25) */
CONFIDENTIAL COMMUNICATION
June 24, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted] A
Dear Ms....
[redacted],
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate that the account was opened in Ms. [redacted]'s name via the web on May 17, 2015 with Ms. [redacted]'s information. An order was placed on May 17, 2015 via the web for a Samsung HD 52x Optical Zoom Camcorder in Black, Seiko Men's Goldtone Chronograph Sport Watch, BLU Studio 6.0 HD Unlocked Android Smartphone, PS4 Call of Duty: Ghosts and Casio Men's Chronograph Bracelet Watch and delivered to [redacted] Mechanicsburg, PA 17050.
Our records indicate that two other orders were placed via the web on May 19, 2015 for a HP 11.6" 32GB Windows 8.1 Laptop and a BLU Studio 5.5 Unlocked Android Smartphone - Blue and delivered to [redacted] Mechanicsburg, PA 17050.
Ms. [redacted]'s account indicates she contacted us on May 20, 2015 informing the customer service representative that she had not placed these orders and will be returning the items.
When a customer claims there is an account they have not opened, or there are purchases on their account they did not make, we have certain policies and procedures to follow so we can investigate the matter. This matter was referred to our Credit Risk department and an affidavit was sent to Ms. [redacted] on May 20, 2015 and received on June 4, 2015.
Our records indicated all items were returned with the exception of the BLU Studio 6.0 HD Unlocked Android Smartphone. A letter requesting a police report was sent to Ms. [redacted] on June 11, 2015 and we received the requested information on June 18, 2015.
Our Credit Risk Department has confirmed that the account is currently marked as fraud and all activity on the account is restricted.
A request was submitted to the credit bureaus on June 18, 2015 to completely remove both the original inquiry and the credit trade-line itself. Ms. [redacted] should allow up to 60 days for these updates to reflect on your credit file.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca
July 21, 2016 ...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a PayCheck Direct Account. Ms. [redacted] states she is unable to box and return the merchandise to PayCheck Direct. She indicates if she is to breakdown the item, PayCheck Direct will not be able to properly assess the damage. Ms. [redacted] feels she should not be responsible for paying the shipping for this product. After reviewing the photograph Ms. [redacted] included in her complaint, PayCheck Direct has credited the merchandise as a courtesy to Ms. [redacted]. Ms. [redacted] will not need to return this item. The full merchandise price of $159.99, tax amount of $10.00, 1 Year Service Plan of $15.99, and the shipping/handling of $79.99 was credited on July 20, 2016. This refund check will be mailed to Ms. [redacted]’s address, [redacted] Ervina, MA 01344, on July 27, 2016. She should allow 5-7 business days to receive this check. If Ms. [redacted] has any additional questions she may contact PayCheck Direct at ###-###-####. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION April 25,...
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate Ms. [redacted] purchased a Speedway 8 Drawer Tool Tower on December 11, 2014. On December 22, 2014 Ms. [redacted] contacted Fingerhut stating there were parts missing. A request was sent to the vendor to mail out the missing parts of the tool tower. On January 28, 2015 Ms. [redacted] contacted Fingerhut stating she still had not received the missing parts. As a goodwill gesture a $20 discount coupon to use on a future purchase was mailed to Ms. [redacted]. Ms. [redacted] contacted Fingerhut on February 3, 2015 stating she was still waiting on the missing parts of the tool tower. An additional e-mail was sent to the vendor to send the missing parts to Ms. [redacted]. At this time she was told to allow up to three weeks to receive the parts. As a courtesy on that same date $65.99 was credited for the shipping and handling charges. On February 11, 2015 the vendor informed Fingerhut that replacement parts were not available. On that same date an agent sent Ms. [redacted] return instructions with a prepaid postage label to return the product back to Fingerhut for credit. We received this product from Ms. [redacted] on April 8, 2015. Credit in the amount of $187.99 was applied to Ms. [redacted]’s account on that same date. Additionally, we have updated the delinquency information on Ms. [redacted]’s credit reporting to reflect the change in balance. We advise to allow up to 60 days for the update to process. We apologize for any inconvenience this may have caused Ms. [redacted]. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS [redacted]
Initial Business Response /* (1000, 5, 2015/10/30) */
CONFIDENTIAL COMMUNICATION
October 30, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am...
writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Ms. [redacted] is a valued customer and we regret any difficulty she experienced with us relating to the payment issue outlined in the inquiry. All agents are accountable to meet our professional standards, and we apologize if these were not always lived up to with Ms. [redacted].
Our records confirm that Ms. [redacted]'s payment referenced in the inquiry and made through her Bill Pay provider was received here on October 20, 2015. However, there was a delay in processing the payment due to being submitted with Ms. [redacted]'s 10-digit Customer ID number instead of her 16-digit Account Number. On October 22, 2015 we were able to match up and post the payment to Ms. [redacted]'s account. Once this processing was completed, the correct payment date was indicated by back-dating it to the received date of October 20, 2015.
As a reminder, customers using a Bill Pay service to remit payments to us are required to provide their 16-digit WebBank/Fingerhut credit account number.
We appreciate Ms. [redacted] making a second, separate payment on her due date of October 22, 2015 while we finished processing the bill pay payment. Our records show her bank put a stop payment on the second payment, likely after Ms. [redacted] confirmed the bill pay payment had posted to her account. Although the stop payment resulted in a return payment fee being assessed, we have already credited it back to the account given the special circumstances involved. The credit will reflect on Ms. [redacted]'s next monthly statement for her records.
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (2000, 7, 2015/11/12) */
I am rejecting this response because:
the interest wasnt explained for deferring the payments the first few months. therefore, they see ive been a customer several years, they should waive the interest that I didnt know was billed for the last 2 months. if not. I already paid half my balance. the other half will be paid off and closed soon.
Full response attached. CONFIDENTIAL COMMUNICATION: Ms. [redacted] should expect to receive a billing statement each month, showing an amount due by a certain date each month. She can make payments on our website, by calling or us by mailing her payment in. If she needs to make payment arrangements, she...
can call us at ###-###-#### between the hours of 7:00am and 9:00pm, CT, Monday through Friday. We have credited a late fee as a courtesy, and that will be reflected on a future billing statement.
CONFIDENTIAL COMMUNICATION April 20, 2018 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case #[redacted] – [redacted] Dear Mr. [redacted], I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut Credit Account for Ms. [redacted]. Ms. [redacted] states that she purchased insurance in the event she became unable to work, and submitted paperwork to file a claim for the months she was out of work. She further indicates that her claim was not approved, and requests a full refund of all payments she has made on the account. We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, we have attached our response for the consumer to review. Vi [redacted]Executive Care TeamVF/ah
CONFIDENTIAL COMMUNICATION November 11, 2016 Revdex.com of...
Minnesota �...⇄ Attn: Ms. [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut credit account ending in [redacted]. We have included a statement of account activity. Mr. [redacted] states he has advised Fingerhut on several occasions that he can pay $5.00 per month. Mr. [redacted]’s desired resolution is to accept his payment arrangement and waive late fees. We value Mr. [redacted]’s business and although we understand his situation, we cannot honor his proposal as outlined. Our records indicate that the last payment of $5.00 was received on October 16, 2016. On November 10, 2016, Mr. [redacted]’s WebBank/Fingerhut credit account charged off with an unpaid balance of $721.61. Mr. [redacted]’s account is subject to be sold. It is no longer eligible for a settlement or payment plan; the entire balance is due. Mr. [redacted] may contact our Billing Department at ###-###-#### to make a same-day payment. Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosure