I am rejecting this response because:
This is absolutely preposterous! You've added late fees to the fraudulently-opened account because I haven't filed a police report?! My identity was stolen, and a seven year free-of-charge credit report security lock was implemented by Bank of America because they validated the fraudulent identity theftThe USPS also opened a case as they took this case very seriously.I am literally speechless after reading your responseYou're treating me like the criminal who stole my identity! The person lives in Southern California at the address I provided previouslyHis phone number was on the shipping label of the TV you sent to my house! The reason the USPS was involved was because this thug filed a change-of-address form with the USPS, then applied for a credit card with my information which YOU approved, and had the TV shipped to my house--hoping it would then be automatically forwarded by the USPS down to his address because he filed a change-of-address formDo the right thing and fix thisNow
I am rejecting this response because:AS YOU
CAN SEE ON PRINTOUT OF MY HISTORY WITH GETTINGTON 11/27/PAID ON TIME(BUT THEY CHARGED LATE FEE ON THE 28TH) 9/27/PAID ON TIME(BUT ON 09/THEY CHARGED LATE FEE AGAIN) 5/27/PAID ON TIME(AGAIN THEY CHARGED LATE FEE ON THE 28TH FOR ) 3/27/ALSO PAID ON TIME (AGAIN THEY CHARGED LATE FEE ON THE 28TH ) THIS PRINT OUT IS FROM MY GETTINGTON ON LINE STATEMENT FROM THEIR WEBSITE IT IS NOT MY FAULT THEY DO NOT PROCESS THE PAYMENTS UNTIL OR DAYS LATER IN ORDER FOR THEM TO COLLECT LATE FEESTHIS IS ILLEGALMY FINAL PAYMENT IS DUE TOMORROW 12/27/IN AMOUNT OF BUT IN REALITY THEY OWE ME MONEY $
Initial Business Response /* (1000, 5, 2016/02/11) */
CONFIDENTIAL COMMUNICATION
February 11,
Revdex.com of Minnesota # ***
Attn: Ms*** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms*** ***
Case #: ***
Dear Ms***,
We are writing in response to an inquiry received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, Terms and Conditions, credit application and all five monthly statements
In Ms***'s complaint, she states that she ordered merchandise from Fingerhut in September, totaling $She further states she has made payments of $in October, $in November, $in December and her bill, this month, was for $Ms***'s desired resolution is an explanation of her account balance
Our records indicate the WebBank/Fingerhut credit account ending in was opened on August 27, 2015, when an application for credit was processed with a representativeAn order was placed on September 14, for a Haier 65-Pint Electric Dehumidifier, alcove Microfiber 84" x 84" Window in a BagChocolate, alcove Kellen 8pc Bed Set - Queen, alcove Briar Comforter Set + Free Sheet Set KingBriar, and an alcove Devereau 20pc Bedroom Set - QueenThe purchase made on September 14, 2015, totaled $
According to our records, payments were made for $on October 23, and $on December 1, from a Visa debit card ending in To date, no further payments have been received
Ms***'s payment due date is the fifteenth of each month
Please note that when a payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is receivedAdditionally, we may charge a late fee and interest charges will accrue on the balance owed
As of February 11, 2016, Ms***'s WebBank/Fingerhut credit account balance is $with a past due of $
To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a minimum payment of $is due by February 15,
If Ms*** is unable to make the full minimum due, her account may qualify for a payment plan
Ms*** may contact our Billing Department at *** to discuss payment optionsTheir hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Time
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa
Enclosures
Initial Consumer Rebuttal /* (2000, 7, 2016/02/22) */
After reviewing Ms***’s account, we show she placed an order on February 21, for the 36-inch 3-
Piece Wise Men Set and a pair of Keds shoesThe shoes were delivered on March 2, to Ms***’s
address on fileWhen the shipping company delivered the 3-Piece Wise Men Set, they were
delivered and left
at the front door
When Ms*** contacted us on March 8, saying she did not receive the item, an affidavit for NonReceived
Merchandise was sent to herAfter we received the affidavit, Ms*** was informed she would
need to provide a police report because there was a previous Merchandise Not Received claim on her account
Ms*** contacted us back on April 10, to inform us that the police department would not file a report
as the issue was a civil matterWe then contacted the sheriff’s office regarding this issueAfter speaking with
the sheriff’s office, there was no paperwork for this issue
We were able to verify that Ms*** attempted to file a police report and will issue a credit for the missing
itemMs*** will receive a credit of $for the item she did not receive, along with interest of $10.77,
bringing her account balance to $Ms*** will see the credit reflected on her statement within 1-
billing statements
If Ms*** has any issues going forward with not receiving her packages, we will require a physical copy of a
police reportWe suggest that Ms*** ship her packages to a more secure address or adding the additional
protection to sign for her packagesPlease note not all orders qualify for this service and there is an additional
charge of $
If Ms*** has any further questions or concerns, she may contact our Customer Service
Initial Business Response /* (1000, 5, 2015/08/20) */
CONFIDENTIAL COMMUNICATION
August 20,
# XXXXXXXXXX
Revdex.com of Minnesota
Attn: *** ***
*** S *** *** ***
*** ** XXXXX
Re: Case # *** - ***, ***
Dear Ms***
I am
writing in response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
It is in regards to Mr***'s purchase dated July 6, for a HP Pavillion 8GB Windows Desktop ComputerWe regret to learn of the problems he experienced with the computer and having it returned to us
In rare instances, a customer's return package will go missing at a sorting facility or some other stage of the return delivery processThere is strong indication that this is what occurred with the computer Mr*** shipped back to us, as evidenced by United States Postal Service tracking number XXXXXXXXXXXXXXXXXXXXXX
The records further show that Mr*** obtained an affidavit of non-receipt of returned merchandise on the Fingerhut websiteHe then sent us the fully completed form as an email attachment on August 10,
As a result, we were able to carry out an investigation and have approved Mr***'s claimOn August 19, 2015, credit adjustments were issued to his account covering the full cost of the computer, including shipping/handling, and the one-year Extended Service Plan he purchased for additional warranty coverageAlthough already applied to the account, these credits will reflect on an upcoming billing statement for Mr***'s records
We apologize for any inconvenience and appreciate Mr***'s patience throughout this resolution process
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
***
VF/ah
Initial Consumer Rebuttal /* (2000, 7, 2015/08/21) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The company addressed my complaint and refunded the price of the defective computer that was returnedI am satisfied with the outcome
Dear Ms***, Please see my attached letter to your office regarding *** *** concerns. My response exceeds the character limit so I have attached it to this inquiryThank you, Lea *** Haband Customer Service Bluestem Brands, Inc
I am rejecting this response because:Paycheck Direct is stating that the bank statements were never sent, but, in the attahcment, you will see I sent it a couple of times (because they told me to fax it, then, they said they never received it; the confirmation pages says differently)There has been NO payments refunded to myself or my husband...my statements will show that as wellThe severe delinquency is due to the fact that they refused to withdraw from the proper accountThen they are stating that they never received contact from me regarding the change in bank account informationPlease refer to the email that was sent directly from the Paycheck Direct account on 7/asking that they do NOT deduct from my husband's savings account and to please ajust my account as well. I would like for them to prove that they refunded ANY money to either myself or my spouseMy bank statements show any and all transactions made by Paycheck Direct from the beginning of the establishment of the accountsPlease review!
April 19, Better Businesss Bureau SRiver Ridge Circle Burnsville, MN Ms*** *** ** *** *** Chappaqua, NY Dear Ms***, We are writing in response to an inquiry we received from your office on behalf of Ms
*** *** regarding her enrollment in the Sahalie VIP Plus program After, Ms*** made her December 15, purchase on our website for one black zip tee, she was presented with an opportunity to save $off her next Sahalie purchase, simply for trying a membership in our Sahalie VIP Plus program. There was no obligation to accept this membership offer and her Sahalie purchase was not contingent upon accepting the offer To enroll in this program, she clicked on the offer and was taken to a web page that fully described the terms, benefits and costs of Sahalie VIP Plus. By entering her e-mail address, zip code and clicking the “Join Now”, she activated a membership in Sahalie VIP Plus. Had she skipped any one of these steps, no membership would have been established As Ms*** requested, her membership in Sahalie VIP Plus was canceled on April 14, due to a chargeback. Also, Ms*** received three refunds of $each and one refund of $on April 18, We appreciate this opportunity to reply to Ms*** and trust this resolves the matter Sincerely, Tim *** Executive Care Team
I am rejecting this response because: this is
an ongoing monthly promotion (see attachment) and there is absolutely no specification that the code needs to be used in the same month as credit approval (see attached)The only specification is that the order needs to be your first order, after being approved for creditMy order was placed November 18th, it was my first order after being approved I feel as though the business is trying to come up with an excuse as both the representative and supervisor were very clear as to the fact that it couldn’t be applied due to not attached to an emailI believe the company is not honoring “truth in advertising “
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept their response as when contacting their customer service line when trying to return the item as well as resolve the issue of closing my account, I would be on the line constantly frustrated because I never was able to speak to a supervisor as one was never availableEach time I would send an email to customer service, they would advise to contact them by calling the number listedFor Fingerhut, that was a slap in the face to me as each time I called there was never a record of the number of calls I made to them which I think is totally unacceptableI asked my account to be closed before October 12,and even as of December 2015, the credit bureau did not have the account listed as closedI asked this account to be closed as soon as the balance was paid in full and it was not reported correctly thenI am still disputing the information to be removed from the credit bureaus because they have failed to report my closed account information and with the late payments because of the faulty merchandise they sent to meThey are even still sending me catalogs in which I have requested to stop receiving those as well
I am rejecting this response because:
The company states that once a payment is cancelled it is no longer visibleI have enclosed a listing of all of the paid and cancelled payments viewable on their website.Also notice that the payment date in question, 3/has but one payment marked as paidThe only payments scheduled in the amount of $had all been cancelledThere was no reason that $should have been debited from my account, because there was no $payment scheduled for 3/
I am rejecting this response because: and it does say that anything that is defective is returnable under any timedue to the unit only gets used when u have a dead batteryyou either send me the unit back then or you need to refund my account you cant do things it dosent work that way then I need my item back asap or I needmy account to be credited
CONFIDENTIAL COMMUNICATION August 4, Revdex.com of
Minnesota Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, We are writing in response to an inquiry received from your office on behalf of *** *** (the customer) regarding a WebBank/Fingerhut FreshStart Installment Loan account. We have included a copy of the account activity and Terms and Conditions The customer states they called Fingerhut and requested to have the late payments removed since the account is paidThe customer further states we advised them to make the request in writing, which they did but has not received a response. The customer is requesting to have the late payments removed or the account removed from credit bureau reporting According to our records, *** *** contacted Fingerhut by phone on July 20, requesting delinquencies be removed from accountA representative advised *** Elliot that the account was reporting accurately and we were unable to honor requestWe are unable to locate any record of receiving a written request for removal of late payments from *** *** We have received three separate disputes through the credit bureaus and responded directly to the credit bureaus on March 2, April 20, and May 31, Based on our research, an order was processed on November 22, online for a Hauck Toys Heart Heart Doll High Chair/Swing and a Doll Crib w/Cabinet/Bedding/MobileThe merchandise was shipped via UPS to the same address provided when contacting Fingerhut regarding this issue We have received three payments including the required $down payment on this accountThe last payment, totaling $86.53, was received online on May 29, with a checking account ending in *** shown in the name of *** ***Our records indicate there were no payments received towards the account from January 22, through May 28, This resulted in a thirty and sixty day late being reported to the credit bureaus An account review completed on August 2, confirms that Equifax, Experian and Trans Union are reporting the account accurately as “Paid/Pays As Agreed” with a zero balance We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in *** ***’s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If *** *** still has questions about the account regarding what has or has not been reported to the credit bureaus, please contact us at the address listed above or by calling us toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Time Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/sa Enclosures
I am rejecting this response because:Several reasons, if the first option is to leave a voice message why the agent did not say so the first time instead of I will let you talk to oneSecond agent said we automatically transfer customer to voice mailStill poor customer service when all they had to say if we can not find a manager will you like to leave a message and I would be better preparedI have over years in customer service and this is not itOn the blue sheet you are in reverence to about the over size or bulky items, it says it MAY be some charges to deliver (all items may have charges)It still doesn't say anything about not using the coupon on the back of the sales bookOn the coupon on the back of the book IF there were exceptions to the rule it should have said something in that same area ( most other coupons do)To me that is telling it applies to everything and if not then you are trying to cover something up like advertisement like I said beforeLast but not least, you are not really offering anything different or helping with the confusionBecause of wrong info in the book can you possible offer a special discount or percentage off? This is customer service if you want happy customers or returning customerMake advertisement a little more understanding and clear for future salesTry to look from customer side of picture and not just back your agents up not knowing the whole story
I am rejecting this response because: that is not my address I have live at *** *** ** for the last three years yes my name is correct and my email and phone number but I respectfully did not apply for credit with them at all
I am rejecting this response because: They
provide horrible serviceNo one takes responsibility and not once was it stated about investigating the issueIt is not my fault that your office did not do their job and the "policies and procedures" are lacking horriblyThe information provided is also false
Initial Business Response /* (1000, 5, 2015/11/09) */
CONFIDENTIAL COMMUNICATION
November 9,
Revdex.com of Minnesota # ***
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms
***,
I am writing in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate Ms*** purchased a Leaning Wall Shelf Cherry Finish and a CB Sports Misses' Heavyweight Parka on October 21, On November 4, Ms*** contacted Fingerhut stating the wall shelf was broken and wanted to return to itemMs*** may return the item using the same box in which she received the merchandise
To date, we have not received this item as a return from Ms***When we receive this item credit will be given upon inspection
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 7, 2015/11/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
since they don't understand that the box came in broken up just like the merchandise but, I taped it up with duck tape and fed ex is picking it up! I took pictures of the item and the box so don't know it was not from me! They should have it in a few day
Final Business Response /* (4000, 9, 2015/11/16) */
CONFIDENTIAL COMMUNICATION
November 11,
Revdex.com of Minnesota # ***
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the further inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
We received notification from Ms*** she has shipped the Leaning Wall Shelf Cherry Finish back to FingerhutWe apologize the box Ms***'s merchandise was shipped in was damaged
Once we receive the returned merchandise, credit will be issued for the shelf upon inspection
Thank you for allowing us to explainMs***'s patience is greatly appreciated while the return is processed
Sincerely,
Vi ***
Executive Care Team
VF/KS
Full response attachedCONFIDENTIAL COMMUNICATION: Mr*** states he hasn't received the credits for the item not received or the late fees he was chargedHis April statement does show the credits for the item not received - they appear as "miscellaneous adjustment"Late fees will not be credited as Mr*** had other merchandise that he was responsible to make payments on before this order was placed
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11784487, and find that this resolution is satisfactory to me I did receive the mailing that they said they sent out after
I contacted youEverything was manually typed with handwritten notations and
codes on it and a return label. The handwritten notations appeared to be
instructions on how to process the return once they receive itWithout a
computer generated packing slip it looks like they have to figure out what to
do
I am rejecting this response because:
This is absolutely preposterous! You've added late fees to the fraudulently-opened account because I haven't filed a police report?! My identity was stolen, and a seven year free-of-charge credit report security lock was implemented by Bank of America because they validated the fraudulent identity theftThe USPS also opened a case as they took this case very seriously.I am literally speechless after reading your responseYou're treating me like the criminal who stole my identity! The person lives in Southern California at the address I provided previouslyHis phone number was on the shipping label of the TV you sent to my house! The reason the USPS was involved was because this thug filed a change-of-address form with the USPS, then applied for a credit card with my information which YOU approved, and had the TV shipped to my house--hoping it would then be automatically forwarded by the USPS down to his address because he filed a change-of-address formDo the right thing and fix thisNow
I am rejecting this response because:AS YOU
CAN SEE ON PRINTOUT OF MY HISTORY WITH GETTINGTON 11/27/PAID ON TIME(BUT THEY CHARGED LATE FEE ON THE 28TH) 9/27/PAID ON TIME(BUT ON 09/THEY CHARGED LATE FEE AGAIN) 5/27/PAID ON TIME(AGAIN THEY CHARGED LATE FEE ON THE 28TH FOR ) 3/27/ALSO PAID ON TIME (AGAIN THEY CHARGED LATE FEE ON THE 28TH ) THIS PRINT OUT IS FROM MY GETTINGTON ON LINE STATEMENT FROM THEIR WEBSITE IT IS NOT MY FAULT THEY DO NOT PROCESS THE PAYMENTS UNTIL OR DAYS LATER IN ORDER FOR THEM TO COLLECT LATE FEESTHIS IS ILLEGALMY FINAL PAYMENT IS DUE TOMORROW 12/27/IN AMOUNT OF BUT IN REALITY THEY OWE ME MONEY $
Initial Business Response /* (1000, 5, 2016/02/11) */
CONFIDENTIAL COMMUNICATION
February 11,
Revdex.com of Minnesota # ***
Attn: Ms*** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms*** ***
Case #: ***
Dear Ms***,
We are writing in response to an inquiry received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, Terms and Conditions, credit application and all five monthly statements
In Ms***'s complaint, she states that she ordered merchandise from Fingerhut in September, totaling $She further states she has made payments of $in October, $in November, $in December and her bill, this month, was for $Ms***'s desired resolution is an explanation of her account balance
Our records indicate the WebBank/Fingerhut credit account ending in was opened on August 27, 2015, when an application for credit was processed with a representativeAn order was placed on September 14, for a Haier 65-Pint Electric Dehumidifier, alcove Microfiber 84" x 84" Window in a BagChocolate, alcove Kellen 8pc Bed Set - Queen, alcove Briar Comforter Set + Free Sheet Set KingBriar, and an alcove Devereau 20pc Bedroom Set - QueenThe purchase made on September 14, 2015, totaled $
According to our records, payments were made for $on October 23, and $on December 1, from a Visa debit card ending in To date, no further payments have been received
Ms***'s payment due date is the fifteenth of each month
Please note that when a payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is receivedAdditionally, we may charge a late fee and interest charges will accrue on the balance owed
As of February 11, 2016, Ms***'s WebBank/Fingerhut credit account balance is $with a past due of $
To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a minimum payment of $is due by February 15,
If Ms*** is unable to make the full minimum due, her account may qualify for a payment plan
Ms*** may contact our Billing Department at *** to discuss payment optionsTheir hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Time
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa
Enclosures
Initial Consumer Rebuttal /* (2000, 7, 2016/02/22) */
After reviewing Ms***’s account, we show she placed an order on February 21, for the 36-inch 3-
Piece Wise Men Set and a pair of Keds shoesThe shoes were delivered on March 2, to Ms***’s
address on fileWhen the shipping company delivered the 3-Piece Wise Men Set, they were
delivered and left
at the front door
When Ms*** contacted us on March 8, saying she did not receive the item, an affidavit for NonReceived
Merchandise was sent to herAfter we received the affidavit, Ms*** was informed she would
need to provide a police report because there was a previous Merchandise Not Received claim on her account
Ms*** contacted us back on April 10, to inform us that the police department would not file a report
as the issue was a civil matterWe then contacted the sheriff’s office regarding this issueAfter speaking with
the sheriff’s office, there was no paperwork for this issue
We were able to verify that Ms*** attempted to file a police report and will issue a credit for the missing
itemMs*** will receive a credit of $for the item she did not receive, along with interest of $10.77,
bringing her account balance to $Ms*** will see the credit reflected on her statement within 1-
billing statements
If Ms*** has any issues going forward with not receiving her packages, we will require a physical copy of a
police reportWe suggest that Ms*** ship her packages to a more secure address or adding the additional
protection to sign for her packagesPlease note not all orders qualify for this service and there is an additional
charge of $
If Ms*** has any further questions or concerns, she may contact our Customer Service
Initial Business Response /* (1000, 5, 2015/08/20) */
CONFIDENTIAL COMMUNICATION
August 20,
# XXXXXXXXXX
Revdex.com of Minnesota
Attn: *** ***
*** S *** *** ***
*** ** XXXXX
Re: Case # *** - ***, ***
Dear Ms***
I am
writing in response to the inquiry we received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
It is in regards to Mr***'s purchase dated July 6, for a HP Pavillion 8GB Windows Desktop ComputerWe regret to learn of the problems he experienced with the computer and having it returned to us
In rare instances, a customer's return package will go missing at a sorting facility or some other stage of the return delivery processThere is strong indication that this is what occurred with the computer Mr*** shipped back to us, as evidenced by United States Postal Service tracking number XXXXXXXXXXXXXXXXXXXXXX
The records further show that Mr*** obtained an affidavit of non-receipt of returned merchandise on the Fingerhut websiteHe then sent us the fully completed form as an email attachment on August 10,
As a result, we were able to carry out an investigation and have approved Mr***'s claimOn August 19, 2015, credit adjustments were issued to his account covering the full cost of the computer, including shipping/handling, and the one-year Extended Service Plan he purchased for additional warranty coverageAlthough already applied to the account, these credits will reflect on an upcoming billing statement for Mr***'s records
We apologize for any inconvenience and appreciate Mr***'s patience throughout this resolution process
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
***
VF/ah
Initial Consumer Rebuttal /* (2000, 7, 2015/08/21) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The company addressed my complaint and refunded the price of the defective computer that was returnedI am satisfied with the outcome
Dear Ms***, Please see my attached letter to your office regarding *** *** concerns. My response exceeds the character limit so I have attached it to this inquiryThank you, Lea *** Haband Customer Service Bluestem Brands, Inc
I am rejecting this response because:Paycheck Direct is stating that the bank statements were never sent, but, in the attahcment, you will see I sent it a couple of times (because they told me to fax it, then, they said they never received it; the confirmation pages says differently)There has been NO payments refunded to myself or my husband...my statements will show that as wellThe severe delinquency is due to the fact that they refused to withdraw from the proper accountThen they are stating that they never received contact from me regarding the change in bank account informationPlease refer to the email that was sent directly from the Paycheck Direct account on 7/asking that they do NOT deduct from my husband's savings account and to please ajust my account as well. I would like for them to prove that they refunded ANY money to either myself or my spouseMy bank statements show any and all transactions made by Paycheck Direct from the beginning of the establishment of the accountsPlease review!
April 19, Better Businesss Bureau SRiver Ridge Circle Burnsville, MN Ms*** *** ** *** *** Chappaqua, NY Dear Ms***, We are writing in response to an inquiry we received from your office on behalf of Ms
*** *** regarding her enrollment in the Sahalie VIP Plus program After, Ms*** made her December 15, purchase on our website for one black zip tee, she was presented with an opportunity to save $off her next Sahalie purchase, simply for trying a membership in our Sahalie VIP Plus program. There was no obligation to accept this membership offer and her Sahalie purchase was not contingent upon accepting the offer To enroll in this program, she clicked on the offer and was taken to a web page that fully described the terms, benefits and costs of Sahalie VIP Plus. By entering her e-mail address, zip code and clicking the “Join Now”, she activated a membership in Sahalie VIP Plus. Had she skipped any one of these steps, no membership would have been established As Ms*** requested, her membership in Sahalie VIP Plus was canceled on April 14, due to a chargeback. Also, Ms*** received three refunds of $each and one refund of $on April 18, We appreciate this opportunity to reply to Ms*** and trust this resolves the matter Sincerely, Tim *** Executive Care Team
I am rejecting this response because: this is
an ongoing monthly promotion (see attachment) and there is absolutely no specification that the code needs to be used in the same month as credit approval (see attached)The only specification is that the order needs to be your first order, after being approved for creditMy order was placed November 18th, it was my first order after being approved I feel as though the business is trying to come up with an excuse as both the representative and supervisor were very clear as to the fact that it couldn’t be applied due to not attached to an emailI believe the company is not honoring “truth in advertising “
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept their response as when contacting their customer service line when trying to return the item as well as resolve the issue of closing my account, I would be on the line constantly frustrated because I never was able to speak to a supervisor as one was never availableEach time I would send an email to customer service, they would advise to contact them by calling the number listedFor Fingerhut, that was a slap in the face to me as each time I called there was never a record of the number of calls I made to them which I think is totally unacceptableI asked my account to be closed before October 12,and even as of December 2015, the credit bureau did not have the account listed as closedI asked this account to be closed as soon as the balance was paid in full and it was not reported correctly thenI am still disputing the information to be removed from the credit bureaus because they have failed to report my closed account information and with the late payments because of the faulty merchandise they sent to meThey are even still sending me catalogs in which I have requested to stop receiving those as well
I am rejecting this response because:
The company states that once a payment is cancelled it is no longer visibleI have enclosed a listing of all of the paid and cancelled payments viewable on their website.Also notice that the payment date in question, 3/has but one payment marked as paidThe only payments scheduled in the amount of $had all been cancelledThere was no reason that $should have been debited from my account, because there was no $payment scheduled for 3/
I am rejecting this response because: and it does say that anything that is defective is returnable under any timedue to the unit only gets used when u have a dead batteryyou either send me the unit back then or you need to refund my account you cant do things it dosent work that way then I need my item back asap or I needmy account to be credited
CONFIDENTIAL COMMUNICATION August 4, Revdex.com of
Minnesota Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, We are writing in response to an inquiry received from your office on behalf of *** *** (the customer) regarding a WebBank/Fingerhut FreshStart Installment Loan account. We have included a copy of the account activity and Terms and Conditions The customer states they called Fingerhut and requested to have the late payments removed since the account is paidThe customer further states we advised them to make the request in writing, which they did but has not received a response. The customer is requesting to have the late payments removed or the account removed from credit bureau reporting According to our records, *** *** contacted Fingerhut by phone on July 20, requesting delinquencies be removed from accountA representative advised *** Elliot that the account was reporting accurately and we were unable to honor requestWe are unable to locate any record of receiving a written request for removal of late payments from *** *** We have received three separate disputes through the credit bureaus and responded directly to the credit bureaus on March 2, April 20, and May 31, Based on our research, an order was processed on November 22, online for a Hauck Toys Heart Heart Doll High Chair/Swing and a Doll Crib w/Cabinet/Bedding/MobileThe merchandise was shipped via UPS to the same address provided when contacting Fingerhut regarding this issue We have received three payments including the required $down payment on this accountThe last payment, totaling $86.53, was received online on May 29, with a checking account ending in *** shown in the name of *** ***Our records indicate there were no payments received towards the account from January 22, through May 28, This resulted in a thirty and sixty day late being reported to the credit bureaus An account review completed on August 2, confirms that Equifax, Experian and Trans Union are reporting the account accurately as “Paid/Pays As Agreed” with a zero balance We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in *** ***’s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If *** *** still has questions about the account regarding what has or has not been reported to the credit bureaus, please contact us at the address listed above or by calling us toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Time Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/sa Enclosures
I am rejecting this response because:Several reasons, if the first option is to leave a voice message why the agent did not say so the first time instead of I will let you talk to oneSecond agent said we automatically transfer customer to voice mailStill poor customer service when all they had to say if we can not find a manager will you like to leave a message and I would be better preparedI have over years in customer service and this is not itOn the blue sheet you are in reverence to about the over size or bulky items, it says it MAY be some charges to deliver (all items may have charges)It still doesn't say anything about not using the coupon on the back of the sales bookOn the coupon on the back of the book IF there were exceptions to the rule it should have said something in that same area ( most other coupons do)To me that is telling it applies to everything and if not then you are trying to cover something up like advertisement like I said beforeLast but not least, you are not really offering anything different or helping with the confusionBecause of wrong info in the book can you possible offer a special discount or percentage off? This is customer service if you want happy customers or returning customerMake advertisement a little more understanding and clear for future salesTry to look from customer side of picture and not just back your agents up not knowing the whole story
I am rejecting this response because: that is not my address I have live at *** *** ** for the last three years yes my name is correct and my email and phone number but I respectfully did not apply for credit with them at all
I am rejecting this response because: They
provide horrible serviceNo one takes responsibility and not once was it stated about investigating the issueIt is not my fault that your office did not do their job and the "policies and procedures" are lacking horriblyThe information provided is also false
Initial Business Response /* (1000, 5, 2015/11/09) */
CONFIDENTIAL COMMUNICATION
November 9,
Revdex.com of Minnesota # ***
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms
***,
I am writing in response to the inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate Ms*** purchased a Leaning Wall Shelf Cherry Finish and a CB Sports Misses' Heavyweight Parka on October 21, On November 4, Ms*** contacted Fingerhut stating the wall shelf was broken and wanted to return to itemMs*** may return the item using the same box in which she received the merchandise
To date, we have not received this item as a return from Ms***When we receive this item credit will be given upon inspection
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 7, 2015/11/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
since they don't understand that the box came in broken up just like the merchandise but, I taped it up with duck tape and fed ex is picking it up! I took pictures of the item and the box so don't know it was not from me! They should have it in a few day
Final Business Response /* (4000, 9, 2015/11/16) */
CONFIDENTIAL COMMUNICATION
November 11,
Revdex.com of Minnesota # ***
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the further inquiry we received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Advantage Credit Account
We received notification from Ms*** she has shipped the Leaning Wall Shelf Cherry Finish back to FingerhutWe apologize the box Ms***'s merchandise was shipped in was damaged
Once we receive the returned merchandise, credit will be issued for the shelf upon inspection
Thank you for allowing us to explainMs***'s patience is greatly appreciated while the return is processed
Sincerely,
Vi ***
Executive Care Team
VF/KS
Full response attachedCONFIDENTIAL COMMUNICATION: Mr*** states he hasn't received the credits for the item not received or the late fees he was chargedHis April statement does show the credits for the item not received - they appear as "miscellaneous adjustment"Late fees will not be credited as Mr*** had other merchandise that he was responsible to make payments on before this order was placed
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11784487, and find that this resolution is satisfactory to me I did receive the mailing that they said they sent out after
I contacted youEverything was manually typed with handwritten notations and
codes on it and a return label. The handwritten notations appeared to be
instructions on how to process the return once they receive itWithout a
computer generated packing slip it looks like they have to figure out what to
do
NO I will not give you anymore information so you can sell itYou already have to much and I wish I could litigate this privacy violation