Full response attached. CONFIDENTIAL COMMUNICATION: Ms. [redacted] would like to be able to place another order on her FreshStart account, but this program only allows one order at a time, per the terms and conditions of the account. This is because this account is a closed-end loan, and not a revolving...
account. If Ms. [redacted] completes the FreshStart program successfully, she could graduate to a revolving account and be able to make multiple purchases as long as the account remained in good standing.
Initial Business Response /* (1000, 5, 2015/12/22) */
CONFIDENTIAL COMMUNICATION
December 22, 2015
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.
On November 28, 2015 on order was placed for a NuWave Precision Induction Cooktop w/Pan with a 1 Year Service Plan. This item was shipped via UPS Ground with tracking number [redacted] and was delivered on December 4, 2015.
When a customer states they have not received merchandise ordered, Fingerhut has policies and procedure in place in order to conduct an investigation. Our records indicate a legal affidavit has been sent to Ms. [redacted] on December 9, 2015.
As we understand the urgency of this situation, Ms. [redacted] may fax the completed affidavit to [redacted], Attn: Kristina. Once we have received this document we can further investigate this matter.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 7, 2016/01/05) */
Initial Business Response /* (1000, 5, 2015/08/13) */
CONFIDENTIAL COMMUNICATION
June 9, 2015
#[redacted]
Revdex.com of Minnesota
Attn: [redacted]...
[redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted], [redacted]
Dear Ms. [redacted],
I am writing in response to the recent inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
Our investigation confirms that Ms. [redacted] purchased a Samsung Galaxy SIII mini I8200 Unlocked Smartphone via the Gettington website on July 22, 2015. We received it as a return on July 28, 2015, but it was denied for an exchange or a refund by the Returns Department for not meeting the terms of our return policy covering cellular phones.
The special restrictions on returning the Samsung phone were disclosed on the main "product features" webpage for that phone. Since Ms. [redacted] found and purchased the phone on the website, the return limitations were prominently displayed and available for her to review prior to purchasing it.
This information appears immediately below the product description of the phone, under the heading of "Returns Are Limited For Mobile Devices," and states: "Once shipped, only defective and damaged devices can be exchanged for an identical device on phones. Defective and damaged exchanges must be within 30 days of purchase."
Because Ms. [redacted] phone was found to be in good working order (not defective), it did not qualify to be returned. For this reason, we are returning the phone to Ms. [redacted] at her address on file of [redacted] Tarboro, NC 27886. The product will be shipped back to Ms. [redacted] on August 29, 2015.
Thank you for allowing us to explain and assist.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Business Response /* (1000, 8, 2016/02/29) */
CONFIDENTIAL COMMUNICATION
February 26, 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 inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Mr. [redacted]'s account indicates he purchased a Bissell PowerGlide Premiere Pet vacuum with a 2 Year Service Plan totaling $313.97 on October 5, 2014.
We received the return of the Bissell PowerGlide Premiere Pet Vacuum on January 16, 2015 with a reason of "Difficult to Assemble" and the account received credit for the merchandise price. However, the original shipping/handling is non-refundable on return merchandise, and a return postage fee was deducted from the credit because it was sent back to us for a "non-qualifying" return reason (An example of a "qualifying" reason would be in cases of a defect or damage not caused by the customer, which in most cases Fingerhut covers this cost.).
Fingerhut's Return Policy:
We will issue an exchange or refund for most items returned in new condition within 30 days (60 days for Fingerhut Choice Plus members) of receipt. No returns will be accepted after the home trial period without prior return authorization from Fingerhut. Returns accepted after the home trial period may result in prorated cash or credit adjustments based on the age and condition of the product. Returns will not be accepted for credit after 180 days. Other product concerns must be handled under the manufacturer's warranty. Shipping and handling charges are non-refundable. Return postage is the responsibility of the customer.
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 the 30-day home trial period. Products sold in sets must be returned as sets; partial returns will not be accepted. Personalized Products, Made-To-Measure Window Treatments may only be returned for credit if they are damaged or defective. Exchanges are permitted for identical product only. Gift cards cannot be returned. Other restrictions may apply.
Our records indicate no payments were made and the subsequently the account was assessed with Late Fees and finance charges.
Our records indicate that due to severe delinquency, the WebBank/Fingerhut Advantage Credit Account charged off on June 20, 2015 with a balance of $199.20 and was then sold to [redacted] on June 30, 2015.
As a courtesy to Mr. [redacted] we will be purchasing the account back from [redacted] and closing it. Additionally, we will request that this be removed from Mr. [redacted]'s credit bureau report and advise that this may take up to 60 days to process.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
Initial Consumer Rebuttal /* (2000, 10, 2016/03/10) */
I am rejecting this response because:LG I have also contacted and they took no responsibility either. No one is doing anything about the matter .LG told me to talk to the warranty dept .we are going back and forth with both companies that was the reason why I contacted the Revdex.com. Please let me know the next further action.
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 inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states the vanity he purchased from Fingerhut has poor workmanship under the base. He would like a partial credit of this item. Our records indicate Mr. [redacted] purchased a Dion Chrome Vanity Mirror with Magnification on May 28, 2016. We have mailed Mr. [redacted] a prepaid postage label on June 13, 2016 to return this product to Fingerhut. Once we receive the return the item will be examined to determine if credit will be issued for the defect Mr. [redacted] is claiming. For future reference we would like Mr. [redacted] to be aware of our return policy which states: “We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are nonrefundable. Computers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only.” As Mr. [redacted] is returning the vanity to Fingerhut he is still required to make the minimum payments due on his account. At this time the current balance on Mr. [redacted] account is $4,326.42. The estimated minimum payment due by July 18, 2016 is $216.00. The exact amount due will be shown on his billing statement which will be printed on June 22, 2016. If Mr. [redacted] has any further questions he may contact Fingerhut Customer Service at ###-###-#### Monday through Friday 8AM-8PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION
March 24, 2016
Revdex.com of Minnesota
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 Mr. [redacted] regarding a WebBank/Fingerhut credit account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and an unordered merchandise affidavit.
Mr. [redacted] states that he was unaware about a Fingerhut account until he saw the WebBank/Fingerhut trade line on his credit report. Mr. [redacted] further states that there is inaccurate information being reported. Mr. [redacted]'s desired resolution is to have the WebBank/Fingerhut trade line deleted from his credit report.
On June 17, 2006, an application was processed online with your name, address and social security number. An order was placed online September 8, 2010 for a Save 32% Avirex Men's Rattler Jean, Denim, 38W 34L, a Save 30% Ecko Unltd Standout Jean Denim, 38, a Save 31% Ecko Unltd Mn EU Short Denim, 36, and a Save 30% Ecko Unltd Standout Jean Black Denim, 38. The merchandise was shipped September 9, 2010 via FedEx to [redacted] Wheatland, IN 47597.
No payments were made on this account. The unpaid balance of $187.81 charged off on April 17, 2011 and the account was sold to Jefferson Capital Systems on August 2, 2012. Fingerhut is no longer collecting on this account.
An account review on March 17, 2016 confirmed that Experian and Trans Union are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance of zero. Nothing is reporting to Experian, as Fingerhut did not begin reporting to Experian until October 2013.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]' Welcome Packet. It states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your
credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well.
If Mr. [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly at ###-###-####.
Our records indicate, an affidavit of unordered merchandise was mailed to [redacted] [redacted] Bicknell IN, 47512 on October 30, 2014. On November 19, 2014 the Fraud Department received the completed affidavit of unordered merchandise and mailed a request the same day to the same address requesting that a police report be filed and submitted to Fingerhut so we could conduct a full fraud investigation. To date, we have not received a completed police report regarding this matter.
If Mr. [redacted] continues to believe this account was opened fraudulently, we have enclosed another unordered merchandise affidavit he may complete and return. We also ask that Mr. [redacted] file a police report and send both copies to the following address:
Fingerhut
Attn: Fraud Department
[redacted]
St. Cloud, MN 56303
Mr. [redacted] may also fax the affidavit and police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account.
Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation.
If Mr. [redacted] has further questions or concerns, he may contact the Fraud Department at ###-###-####. Their hours are Monday - Friday 8:00am - 6:00pm Central Time.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sjj
Enclosures
CONFIDENTIAL COMMUNICATION June 26, 2017 ...⇄ Better...
Business Bureau of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attached letter(s) of response as it exceeds the 2,000 max character count.
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry she indicates she purchased a sectional from Fingerhut in May and that within three weeks the material started fraying. Ms. [redacted] states she contacted us several times and was told the item was discontinued and she was offered a $10.00 credit. Ms. [redacted] is requesting a new couch. Our records indicate Ms. [redacted] placed the order for the Chateau Microfiber Sectional with Movable Chaise on May 28, 2016 which totaled $737.49 with shipping and handling and tax. The sectional was shipped on May 29, 2016 and was delivered via a trucking company on June 13, 2016. On July 15, 2016 Ms. [redacted] contacted us via chat and advised us the cushions on the back of the sectional were fraying. The agent referred Ms. [redacted]’s concerns to a specialist to obtain the manufacturer information as the sectional was covered by a 90 day limited manufacturer warranty. On July 18, 2016 an email was sent to the email address we have on file for Ms. [redacted] which included the contact information of the manufacturer, Lifestyle Solutions. On July 19, 2016 Ms. [redacted] contacted us and advised us that the manufacturer could not validate that the product was theirs based on the information Ms. [redacted] provided to them. The agent advised Ms. [redacted] to contact Lifestyle Solutions and provide them with the model number for the sectional instead of the Fingerhut order number. On July 22, 2016 Ms. [redacted] contacted our Customer Service Department and advised the agent of the concern she had with the fraying cushions. The agent referred a request for the cushions to be replaced to our Parts Department. On July 25, 2016 our Parts Department sent an email to Ms. [redacted] advising the sectional was discontinued and we were unable to fulfill the parts replacement that was requested for the cushions. The email also advised Ms. [redacted] that she could contact us within 30 days to return the item. We also sent a $10.00 discount coupon to the address we have on file for Ms. [redacted]. On August 10, 2016 Ms. [redacted] contacted us by email and requested for a supervisor to contact her. A supervisor attempted to contact Ms. [redacted] by phone on August 10, 2016 and August 11, 2016. A message was left for Ms. [redacted] upon both call back attempts. On August 12, 2016 Ms. [redacted] contacted us and requested to return the sectional. The agent contacted the trucking company, Pilot Freight, and initiated the return request per Ms. [redacted]’s request. Based on weight/size limitations or other local restrictions in Ms. [redacted]’s area, Pilot Freight contacted an interline trucking company, New England Express, to contact Ms. [redacted] to schedule a pick-up time for the return. We reached out to New England Express on Ms. [redacted]’s behalf and they have advised us they attempted to pick-up the sectional on August 17, 2016, however, Ms. [redacted] contacted New England Express to reschedule the pick-up of the sectional on August 24, 2016. When New England Express attempted the delivery on August 24, 2016, they could not reach Ms. [redacted] and were unable to set up a pick up time for the sectional. When we last spoke with New England Express on August 29, 2016, they were attempting to contact Ms. [redacted] to reschedule the pick-up. Once the return of the sectional is received and processed full credit will be issued to Ms. [redacted]’s account. The credit will be reflected on Ms. [redacted]’s account within 1-2 billing cycles from the date the return is received. We sincerely apologize for any inconvenience this has caused. If Ms. [redacted] has further questions regarding her Fingerhut account she may contact our Customer Service Department at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Additionally if Ms. [redacted] has any questions regarding rescheduling the pick-up of the sectional, she may contact New England Express at ###-###-####. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
Initial Business Response /* (1000, 5, 2015/11/02) */
[redacted] St. Cloud, MN 56303
CONFIDENTIAL COMMUNICATION
November 2, 2015
Revdex.com of Minnesota #:[redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case...
# [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
First, we would like to extend an apology to Mr. [redacted] that the Cuisinart SodaSparkle Sparkling Beverage Maker he received was expired. We at Fingerhut strive to meet quality guidelines with our merchandise and we sincerely apologize that this was not met.
Mr. [redacted] has been credited in full for all shipping and handling costs associated with this order. His account shows a return credit of $70.98 on October 9, 2015, which included the original shipping cost of $4.99. An additional credit of $7.95 was applied to the account on October 23, 2015.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
Initial Consumer Rebuttal /* (2000, 6, 2015/11/02) */
Final Consumer Response /* (3000, 11, 2015/11/23) */
Still waiting for credit of $4.99 for initial outbound shipping.
Final Business Response /* (4000, 13, 2015/12/03) */
CONFIDENTIAL COMMUNICATION
December 3, 2015
Revdex.com of Minnesota #:[redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Mr. [redacted]'s account indicates he purchased a Cuisinart SodaSparkle Sparkling Beverage Maker on September 22, 2015 for $65.99 plus $4.99 for shipping and handling, for an amount totaling $70.98.
As stated in our previous response, Mr. [redacted] has been credited in full for all shipping and handling costs associated with this order. His account shows a return credit of $70.98 on October 9, 2015, which included the original shipping cost of $4.99. We have included a copy of Mr. [redacted]'s October 22, 2015 billing statement for his convenience and now consider this matter closed.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca
CONFIDENTIAL COMMUNICATION June 15, 2017 ...⇄ Better...
Business Bureau of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attached letter(s) of response as it exceeds the 2,000 max character count.
CONFIDENTIAL COMMUNICATION Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Ms. [redacted] Case # [redacted] Dear Ms. [redacted], We are writing in response to the inquiry we received from your office on behalf of...
Ms. [redacted] regarding receiving catalogs in the mail after requesting to be removed from the mailing lists. As of November 15, 2016, we have removed Ms. [redacted] from all our Family of Brands mailing and rental lists. Please be advised the catalogs are preprinted three months in advance, please allow 8 to 12 weeks for them to discontinue. If Ms. [redacted] has any further questions or concerns she may contact Customer Service at ###-###-####. Their hours of operation are Monday-Saturday 9:00am-9:00pm Eastern Time. Thank you for allowing us to explain. Sincerely, Denise [redacted] Executive Care Team
Initial Business Response /* (1000, 6, 2015/08/07) */
CONFIDENTIAL COMMUNICATION
August 7, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am...
writing in response to the further inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Ms. [redacted] account indicates an enrollment in an insurance plan offered by one of our affiliated companies, Affinion Benefits Group. It is an accidental death and dismemberment policy which is underwritten by Hartford Life and Accident Insurance Company.
We obtained her policy proof of enrollment(s) from Affinion, which explained the charges for the insurance premium(s) would be billed quarterly to her WebBank/Fingerhut Advantage Credit Account. The proof of enrollment is dated April 3, 2013. We are sending a copy of the proof of enrollment directly to Ms. [redacted] at the address we have on file. Affinion also advised us the insurance policy was cancelled per Ms. [redacted] request on May 1, 2015.
The last time Ms. [redacted] was charged for the insurance policy was on February 4, 2015. Ms. [redacted] billing statement is sent each month on the 11th. If the minimum payment is not received by the due date specified a late fee may be assessed as stated in the terms and conditions she agreed to at the time the account was opened. As a courtesy two late fees were removed on April 4, 2015 and April 21, 2015 for a total of $23.97. We have also credited interest charges in the amount of $7.52. The remaining balance on her account as of the date of this letter is $71.15. No further charges will be billed to her account for the insurance. It is important to make on time payments to avoid late fees in the future.
We appreciate Ms. [redacted] patience while we researched her account.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
I am rejecting this response because: the phone had been repaired. This issue has nothing to do with the screen being broken. This issue has to do with music and the reader when you try to do banking or whatever requires you to use prompts.
CONFIDENTIAL COMMUNICATION May 12, 2016 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #:[redacted] Dear Ms. [redacted], I am writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account. Mr. [redacted] states that he has contacted Fingerhut in an attempt to get a trade line removed from his credit report due to fraud, but Fingerhut rejected his request and will not remove the trade line without additional documentation. Mr. [redacted] is requesting that Fingerhut provide documentation regarding the debt and delete the trade line. Based on our research, the Fingerhut credit account ending in [redacted] was opened online November 7, 2012 with the name [redacted] and the address [redacted], Galt, CA. 95632. Two orders were placed on November 16, 2012, an Apple iPad 2 16GB WiFi in White and a Sony Internet Connectable Blu ray Player . Both orders were delivered via Fed-Ex to the address at [redacted] in Galt California. No payments were received on this account. On July 9, 2013, the account charged off with a balance of $848.00 and was sold to [redacted] on July 22, 2013. An account review on May 9, 2016 confirms Equifax, Experian, and TransUnion are accurately reporting the account as Purchased by Another Lender or Transferred/Sold with a balance of zero. According to our records, one dispute has been received from TransUnion in December 2015 and the account was verified as reporting accurately on December 16, 2015. A response was sent directly to TransUnion. We have no record of record of receiving any correspondence from Mr. [redacted] in January 2016. On April 22, 2016 a notarized Identity Theft affidavit was received from Mr. [redacted]. Fingerhut sent a reply the same day to directly to [redacted] Elk Grove, California 95624 requesting a police report to conduct a full fraud investigation. In order to continue processing a claim of fraudulent account opening, we ask that Mr. [redacted] file a police report and send it to the following address: Fingerhut Attn: Fraud Department [redacted] St. Cloud, MN 56303 Mr. [redacted] may also fax the police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account. Once we receive the police report, we will be able to conduct a full fraud investigation. If Mr. [redacted] has further questions or concerns during the process, he may contact the Fraud Department at ###-###-####. Their hours are Monday – Friday 8:00am – 6:00pm Central Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/lg
I am rejecting this response because:The computer is of very poor quality. It has numerous performance issues after a very short period of time. I would like fingerhut to at least credit my account for a portion of the price of the merchandise. I am a single women living on a fixed income and would be grateful for anything they can do.
Full response attached. CONFIDENTIAL COMMUNICATION: Ms. [redacted] would like to be able to place another order on her FreshStart account, but this program only allows one order at a time, per the terms and conditions of the account. This is because this account is a closed-end loan, and not a revolving...
account. If Ms. [redacted] completes the FreshStart program successfully, she could graduate to a revolving account and be able to make multiple purchases as long as the account remained in good standing.
Initial Business Response /* (1000, 5, 2015/12/22) */
CONFIDENTIAL COMMUNICATION
December 22, 2015
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.
On November 28, 2015 on order was placed for a NuWave Precision Induction Cooktop w/Pan with a 1 Year Service Plan. This item was shipped via UPS Ground with tracking number [redacted] and was delivered on December 4, 2015.
When a customer states they have not received merchandise ordered, Fingerhut has policies and procedure in place in order to conduct an investigation. Our records indicate a legal affidavit has been sent to Ms. [redacted] on December 9, 2015.
As we understand the urgency of this situation, Ms. [redacted] may fax the completed affidavit to [redacted], Attn: Kristina. Once we have received this document we can further investigate this matter.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 7, 2016/01/05) */
Initial Business Response /* (1000, 5, 2015/08/13) */
CONFIDENTIAL COMMUNICATION
June 9, 2015
#[redacted]
Revdex.com of Minnesota
Attn: [redacted]...
[redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted], [redacted]
Dear Ms. [redacted],
I am writing in response to the recent inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
Our investigation confirms that Ms. [redacted] purchased a Samsung Galaxy SIII mini I8200 Unlocked Smartphone via the Gettington website on July 22, 2015. We received it as a return on July 28, 2015, but it was denied for an exchange or a refund by the Returns Department for not meeting the terms of our return policy covering cellular phones.
The special restrictions on returning the Samsung phone were disclosed on the main "product features" webpage for that phone. Since Ms. [redacted] found and purchased the phone on the website, the return limitations were prominently displayed and available for her to review prior to purchasing it.
This information appears immediately below the product description of the phone, under the heading of "Returns Are Limited For Mobile Devices," and states: "Once shipped, only defective and damaged devices can be exchanged for an identical device on phones. Defective and damaged exchanges must be within 30 days of purchase."
Because Ms. [redacted] phone was found to be in good working order (not defective), it did not qualify to be returned. For this reason, we are returning the phone to Ms. [redacted] at her address on file of [redacted] Tarboro, NC 27886. The product will be shipped back to Ms. [redacted] on August 29, 2015.
Thank you for allowing us to explain and assist.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
I am rejecting this response because: this is scaming people
Initial Business Response /* (1000, 8, 2016/02/29) */
CONFIDENTIAL COMMUNICATION
February 26, 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 inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Mr. [redacted]'s account indicates he purchased a Bissell PowerGlide Premiere Pet vacuum with a 2 Year Service Plan totaling $313.97 on October 5, 2014.
We received the return of the Bissell PowerGlide Premiere Pet Vacuum on January 16, 2015 with a reason of "Difficult to Assemble" and the account received credit for the merchandise price. However, the original shipping/handling is non-refundable on return merchandise, and a return postage fee was deducted from the credit because it was sent back to us for a "non-qualifying" return reason (An example of a "qualifying" reason would be in cases of a defect or damage not caused by the customer, which in most cases Fingerhut covers this cost.).
Fingerhut's Return Policy:
We will issue an exchange or refund for most items returned in new condition within 30 days (60 days for Fingerhut Choice Plus members) of receipt. No returns will be accepted after the home trial period without prior return authorization from Fingerhut. Returns accepted after the home trial period may result in prorated cash or credit adjustments based on the age and condition of the product. Returns will not be accepted for credit after 180 days. Other product concerns must be handled under the manufacturer's warranty. Shipping and handling charges are non-refundable. Return postage is the responsibility of the customer.
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 the 30-day home trial period. Products sold in sets must be returned as sets; partial returns will not be accepted. Personalized Products, Made-To-Measure Window Treatments may only be returned for credit if they are damaged or defective. Exchanges are permitted for identical product only. Gift cards cannot be returned. Other restrictions may apply.
Our records indicate no payments were made and the subsequently the account was assessed with Late Fees and finance charges.
Our records indicate that due to severe delinquency, the WebBank/Fingerhut Advantage Credit Account charged off on June 20, 2015 with a balance of $199.20 and was then sold to [redacted] on June 30, 2015.
As a courtesy to Mr. [redacted] we will be purchasing the account back from [redacted] and closing it. Additionally, we will request that this be removed from Mr. [redacted]'s credit bureau report and advise that this may take up to 60 days to process.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
Initial Consumer Rebuttal /* (2000, 10, 2016/03/10) */
I am rejecting this response because:LG I have also contacted and they took no responsibility either. No one is doing anything about the matter .LG told me to talk to the warranty dept .we are going back and forth with both companies that was the reason why I contacted the Revdex.com. Please let me know the next further action.
Comenity Bank Owns and operates our Blair credit card accounts. Attached is their response.
CONFIDENTIAL COMMUNICATION June 13,...
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 inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states the vanity he purchased from Fingerhut has poor workmanship under the base. He would like a partial credit of this item. Our records indicate Mr. [redacted] purchased a Dion Chrome Vanity Mirror with Magnification on May 28, 2016. We have mailed Mr. [redacted] a prepaid postage label on June 13, 2016 to return this product to Fingerhut. Once we receive the return the item will be examined to determine if credit will be issued for the defect Mr. [redacted] is claiming. For future reference we would like Mr. [redacted] to be aware of our return policy which states: “We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are nonrefundable. Computers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only.” As Mr. [redacted] is returning the vanity to Fingerhut he is still required to make the minimum payments due on his account. At this time the current balance on Mr. [redacted] account is $4,326.42. The estimated minimum payment due by July 18, 2016 is $216.00. The exact amount due will be shown on his billing statement which will be printed on June 22, 2016. If Mr. [redacted] has any further questions he may contact Fingerhut Customer Service at ###-###-#### Monday through Friday 8AM-8PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION
March 24, 2016
Revdex.com of Minnesota
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 Mr. [redacted] regarding a WebBank/Fingerhut credit account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and an unordered merchandise affidavit.
Mr. [redacted] states that he was unaware about a Fingerhut account until he saw the WebBank/Fingerhut trade line on his credit report. Mr. [redacted] further states that there is inaccurate information being reported. Mr. [redacted]'s desired resolution is to have the WebBank/Fingerhut trade line deleted from his credit report.
On June 17, 2006, an application was processed online with your name, address and social security number. An order was placed online September 8, 2010 for a Save 32% Avirex Men's Rattler Jean, Denim, 38W 34L, a Save 30% Ecko Unltd Standout Jean Denim, 38, a Save 31% Ecko Unltd Mn EU Short Denim, 36, and a Save 30% Ecko Unltd Standout Jean Black Denim, 38. The merchandise was shipped September 9, 2010 via FedEx to [redacted] Wheatland, IN 47597.
No payments were made on this account. The unpaid balance of $187.81 charged off on April 17, 2011 and the account was sold to Jefferson Capital Systems on August 2, 2012. Fingerhut is no longer collecting on this account.
An account review on March 17, 2016 confirmed that Experian and Trans Union are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance of zero. Nothing is reporting to Experian, as Fingerhut did not begin reporting to Experian until October 2013.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]' Welcome Packet. It states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your
credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well.
If Mr. [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly at ###-###-####.
Our records indicate, an affidavit of unordered merchandise was mailed to [redacted] [redacted] Bicknell IN, 47512 on October 30, 2014. On November 19, 2014 the Fraud Department received the completed affidavit of unordered merchandise and mailed a request the same day to the same address requesting that a police report be filed and submitted to Fingerhut so we could conduct a full fraud investigation. To date, we have not received a completed police report regarding this matter.
If Mr. [redacted] continues to believe this account was opened fraudulently, we have enclosed another unordered merchandise affidavit he may complete and return. We also ask that Mr. [redacted] file a police report and send both copies to the following address:
Fingerhut
Attn: Fraud Department
[redacted]
St. Cloud, MN 56303
Mr. [redacted] may also fax the affidavit and police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account.
Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation.
If Mr. [redacted] has further questions or concerns, he may contact the Fraud Department at ###-###-####. Their hours are Monday - Friday 8:00am - 6:00pm Central Time.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sjj
Enclosures
CONFIDENTIAL COMMUNICATION June 26, 2017 ...⇄ Better...
Business Bureau of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attached letter(s) of response as it exceeds the 2,000 max character count.
CONFIDENTIAL COMMUNICATION August 30, 2016...
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry she indicates she purchased a sectional from Fingerhut in May and that within three weeks the material started fraying. Ms. [redacted] states she contacted us several times and was told the item was discontinued and she was offered a $10.00 credit. Ms. [redacted] is requesting a new couch. Our records indicate Ms. [redacted] placed the order for the Chateau Microfiber Sectional with Movable Chaise on May 28, 2016 which totaled $737.49 with shipping and handling and tax. The sectional was shipped on May 29, 2016 and was delivered via a trucking company on June 13, 2016. On July 15, 2016 Ms. [redacted] contacted us via chat and advised us the cushions on the back of the sectional were fraying. The agent referred Ms. [redacted]’s concerns to a specialist to obtain the manufacturer information as the sectional was covered by a 90 day limited manufacturer warranty. On July 18, 2016 an email was sent to the email address we have on file for Ms. [redacted] which included the contact information of the manufacturer, Lifestyle Solutions. On July 19, 2016 Ms. [redacted] contacted us and advised us that the manufacturer could not validate that the product was theirs based on the information Ms. [redacted] provided to them. The agent advised Ms. [redacted] to contact Lifestyle Solutions and provide them with the model number for the sectional instead of the Fingerhut order number. On July 22, 2016 Ms. [redacted] contacted our Customer Service Department and advised the agent of the concern she had with the fraying cushions. The agent referred a request for the cushions to be replaced to our Parts Department. On July 25, 2016 our Parts Department sent an email to Ms. [redacted] advising the sectional was discontinued and we were unable to fulfill the parts replacement that was requested for the cushions. The email also advised Ms. [redacted] that she could contact us within 30 days to return the item. We also sent a $10.00 discount coupon to the address we have on file for Ms. [redacted]. On August 10, 2016 Ms. [redacted] contacted us by email and requested for a supervisor to contact her. A supervisor attempted to contact Ms. [redacted] by phone on August 10, 2016 and August 11, 2016. A message was left for Ms. [redacted] upon both call back attempts. On August 12, 2016 Ms. [redacted] contacted us and requested to return the sectional. The agent contacted the trucking company, Pilot Freight, and initiated the return request per Ms. [redacted]’s request. Based on weight/size limitations or other local restrictions in Ms. [redacted]’s area, Pilot Freight contacted an interline trucking company, New England Express, to contact Ms. [redacted] to schedule a pick-up time for the return. We reached out to New England Express on Ms. [redacted]’s behalf and they have advised us they attempted to pick-up the sectional on August 17, 2016, however, Ms. [redacted] contacted New England Express to reschedule the pick-up of the sectional on August 24, 2016. When New England Express attempted the delivery on August 24, 2016, they could not reach Ms. [redacted] and were unable to set up a pick up time for the sectional. When we last spoke with New England Express on August 29, 2016, they were attempting to contact Ms. [redacted] to reschedule the pick-up. Once the return of the sectional is received and processed full credit will be issued to Ms. [redacted]’s account. The credit will be reflected on Ms. [redacted]’s account within 1-2 billing cycles from the date the return is received. We sincerely apologize for any inconvenience this has caused. If Ms. [redacted] has further questions regarding her Fingerhut account she may contact our Customer Service Department at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Additionally if Ms. [redacted] has any questions regarding rescheduling the pick-up of the sectional, she may contact New England Express at ###-###-####. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because:Still doesn't get me my refund and still double charged.
I am rejecting this response because:
It does not address the actual main complaint because it does answer the actual question.
Initial Business Response /* (1000, 5, 2015/11/02) */
[redacted] St. Cloud, MN 56303
CONFIDENTIAL COMMUNICATION
November 2, 2015
Revdex.com of Minnesota #:[redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case...
# [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
First, we would like to extend an apology to Mr. [redacted] that the Cuisinart SodaSparkle Sparkling Beverage Maker he received was expired. We at Fingerhut strive to meet quality guidelines with our merchandise and we sincerely apologize that this was not met.
Mr. [redacted] has been credited in full for all shipping and handling costs associated with this order. His account shows a return credit of $70.98 on October 9, 2015, which included the original shipping cost of $4.99. An additional credit of $7.95 was applied to the account on October 23, 2015.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
Initial Consumer Rebuttal /* (2000, 6, 2015/11/02) */
Final Consumer Response /* (3000, 11, 2015/11/23) */
Still waiting for credit of $4.99 for initial outbound shipping.
Final Business Response /* (4000, 13, 2015/12/03) */
CONFIDENTIAL COMMUNICATION
December 3, 2015
Revdex.com of Minnesota #:[redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Mr. [redacted]'s account indicates he purchased a Cuisinart SodaSparkle Sparkling Beverage Maker on September 22, 2015 for $65.99 plus $4.99 for shipping and handling, for an amount totaling $70.98.
As stated in our previous response, Mr. [redacted] has been credited in full for all shipping and handling costs associated with this order. His account shows a return credit of $70.98 on October 9, 2015, which included the original shipping cost of $4.99. We have included a copy of Mr. [redacted]'s October 22, 2015 billing statement for his convenience and now consider this matter closed.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca
CONFIDENTIAL COMMUNICATION June 15, 2017 ...⇄ Better...
Business Bureau of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attached letter(s) of response as it exceeds the 2,000 max character count.
CONFIDENTIAL COMMUNICATION Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Ms. [redacted] Case # [redacted] Dear Ms. [redacted], We are writing in response to the inquiry we received from your office on behalf of...
Ms. [redacted] regarding receiving catalogs in the mail after requesting to be removed from the mailing lists. As of November 15, 2016, we have removed Ms. [redacted] from all our Family of Brands mailing and rental lists. Please be advised the catalogs are preprinted three months in advance, please allow 8 to 12 weeks for them to discontinue. If Ms. [redacted] has any further questions or concerns she may contact Customer Service at ###-###-####. Their hours of operation are Monday-Saturday 9:00am-9:00pm Eastern Time. Thank you for allowing us to explain. Sincerely, Denise [redacted] Executive Care Team
Initial Business Response /* (1000, 6, 2015/08/07) */
CONFIDENTIAL COMMUNICATION
August 7, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am...
writing in response to the further inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Ms. [redacted] account indicates an enrollment in an insurance plan offered by one of our affiliated companies, Affinion Benefits Group. It is an accidental death and dismemberment policy which is underwritten by Hartford Life and Accident Insurance Company.
We obtained her policy proof of enrollment(s) from Affinion, which explained the charges for the insurance premium(s) would be billed quarterly to her WebBank/Fingerhut Advantage Credit Account. The proof of enrollment is dated April 3, 2013. We are sending a copy of the proof of enrollment directly to Ms. [redacted] at the address we have on file. Affinion also advised us the insurance policy was cancelled per Ms. [redacted] request on May 1, 2015.
The last time Ms. [redacted] was charged for the insurance policy was on February 4, 2015. Ms. [redacted] billing statement is sent each month on the 11th. If the minimum payment is not received by the due date specified a late fee may be assessed as stated in the terms and conditions she agreed to at the time the account was opened. As a courtesy two late fees were removed on April 4, 2015 and April 21, 2015 for a total of $23.97. We have also credited interest charges in the amount of $7.52. The remaining balance on her account as of the date of this letter is $71.15. No further charges will be billed to her account for the insurance. It is important to make on time payments to avoid late fees in the future.
We appreciate Ms. [redacted] patience while we researched her account.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
I am rejecting this response because: the phone had been repaired. This issue has nothing to do with the screen being broken. This issue has to do with music and the reader when you try to do banking or whatever requires you to use prompts.
CONFIDENTIAL COMMUNICATION May 12, 2016 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #:[redacted] Dear Ms. [redacted], I am writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account. Mr. [redacted] states that he has contacted Fingerhut in an attempt to get a trade line removed from his credit report due to fraud, but Fingerhut rejected his request and will not remove the trade line without additional documentation. Mr. [redacted] is requesting that Fingerhut provide documentation regarding the debt and delete the trade line. Based on our research, the Fingerhut credit account ending in [redacted] was opened online November 7, 2012 with the name [redacted] and the address [redacted], Galt, CA. 95632. Two orders were placed on November 16, 2012, an Apple iPad 2 16GB WiFi in White and a Sony Internet Connectable Blu ray Player . Both orders were delivered via Fed-Ex to the address at [redacted] in Galt California. No payments were received on this account. On July 9, 2013, the account charged off with a balance of $848.00 and was sold to [redacted] on July 22, 2013. An account review on May 9, 2016 confirms Equifax, Experian, and TransUnion are accurately reporting the account as Purchased by Another Lender or Transferred/Sold with a balance of zero. According to our records, one dispute has been received from TransUnion in December 2015 and the account was verified as reporting accurately on December 16, 2015. A response was sent directly to TransUnion. We have no record of record of receiving any correspondence from Mr. [redacted] in January 2016. On April 22, 2016 a notarized Identity Theft affidavit was received from Mr. [redacted]. Fingerhut sent a reply the same day to directly to [redacted] Elk Grove, California 95624 requesting a police report to conduct a full fraud investigation. In order to continue processing a claim of fraudulent account opening, we ask that Mr. [redacted] file a police report and send it to the following address: Fingerhut Attn: Fraud Department [redacted] St. Cloud, MN 56303 Mr. [redacted] may also fax the police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account. Once we receive the police report, we will be able to conduct a full fraud investigation. If Mr. [redacted] has further questions or concerns during the process, he may contact the Fraud Department at ###-###-####. Their hours are Monday – Friday 8:00am – 6:00pm Central Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/lg
I am rejecting this response because:The computer is of very poor quality. It has numerous performance issues after a very short period of time. I would like fingerhut to at least credit my account for a portion of the price of the merchandise. I am a single women living on a fixed income and would be grateful for anything they can do.