CONFIDENTIAL COMMUNICATION Dear Ms***, I am writing in response to the further inquiry we received from Ms*** ***. Ms*** has filed police report #*** online as she is currently out of the countryHowever, she feels further action to validate the account should not be necessary on her part due to disputing the account under the FCRA, so that we are in fact responsible for providing validation. Please see our full and detailed response to the follinquiry as a PDF attachment. Sincerely, Vi ***Executive Care Team VF/ah
I am rejecting this response because: As stated in my original complaint, I made every effort to provide ALL of the documentation I was asked forYour company on the other hand, made every effort to reject my many attempts to resubmit my paperworkI responded to each letter and continued to call your call center at which point, I was met with resistanceThe account is delinquent because no payment was made on my behalf pending the approval for benefits I paid for on a monthly bases, prior to the account going into past due statusI am willing to pay for the product that I orderedBut all the extra fees and interest charges are not fair to me as a consumer, given the fact that I made many attempts to rectify my account
CONFIDENTIAL COMMUNICATION September 29, Revdex.com of Minnesota Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, I am writing in response to a second inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut FreshStart Installment Loan Account ending in *** Ms*** states she has reached out to *** ***/*** *** *** and faxed over her paperwork as requested and to date has not received a responseShe further states she reached out to *** *** ***, shown as the account owner on her credit report, and requested she fax a receipt showing the account has been paidShe further states in she made a payment to *** * *** and is confused as to whom actually owns her accountMs***’s desired resolution is to know which company owns the account and have this company no longer sell her information We reached out to directly to *** *** *** regarding Ms***’s concerns and received the following response: “We have investigated the complaint filed by *** ***This account is Paid in Full through *** * ***It was reported incorrectly back to our office and the account was outsourced again in errorWe apologize for the errorIt has been placed in a restricted desk and will not get placed anywhere else*** *** *** never sold any account information to anyoneWe do apologize for any inconvenience Ms*** may have sufferedWe hope that this resolution meets her satisfaction.” Thank you for allowing us to assist and explain Sincerely, Kari *** Executive Care Team KD/sa
I am rejecting this response because:I feel
that the way I was treated by the agents was unfair and they treated me like a criminalWhen I called the first time I was told I placed the order in NovemberI wasn't advised it was two different ordersI shouldn't of had to call several times to get this rectifiedPlus I was advised the last time I called my interest and late fees were going to be waived so that was obviously a lieI feel that I should get a percent credit at least for everything I had to deal with and then I had to go to the Revdex.com for a resolutionI will post all over social media if I don't get a resolution to all I had to deal with
CONFIDENTIAL COMMUNICATION
March 17,
# ***
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Cir
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the inquiry we received from your
office on behalf of Mr*** ***, regarding his WebBank/Fingerhut Advantage Credit Account balanceWe would like to provide Mr*** with a clearer understanding of his balance, which originated with his January 13, order for a Roku Streaming Player and Vanco 6-Foot HDMI Cable
The first payment was not received by the due date of February 15, 2015, resulting in a $late fee added to the balanceHe paid the balance on February 23, 2015which brought the account current and continued to pay on time through April Another $late fee was added when no payment was received by his May 15, due dateOn June 5, 2015, the account was paid current, but the next payment was received on July 16, which, while just a day late, still accrued another $late fee (we do not have a grace period)The next payment arrived a few days late on August 18, and a $late fee resulted
The next payment was made September 22, and accrued a $late feeOn October 2015, Mr***'s bill went unpaid and a $late fee was added to his accountAs a reminder, if the required minimum amount due is not received, or is less than the amount required, the minimum amount due the next month will be higher and continue to be higher until the correct minimum due is receivedMr*** now was required to make a minimum payment of $by his November due date to cover October's past due amount and the new amount due for NovemberWe received a $payment on November 16, and a $late fee was charged
On December 4, 2015, Mr*** brought his account current and has continued to make on-time payments ever sinceOur records show that Mr***'s statements were being sent regular mail to his address of *** * *** *** *** ** Wausau, WI They further show that, on December 18, via his web account, he opted to receive his statements electronically to his email address on the inquiry
While we sympathize with Mr***, he remains responsible for payment towards his account, the balance for which is accurate per the reasons outlined aboveHowever, we have decided to credit the most recent late fee as a goodwill gestureThis will reflect on his upcoming statement and, allowing for this adjustment, we maintain his current balance of $is fully accurateNo further adjustments will be made
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
Full Response AttachedCONFIDENTIAL COMMUNICATION: Ms*** states that we processed her payment for more than we should have, but it is because the amount she chose when she scheduled the payment on our website was for the 'minimum amount due'At the time the payment processed, it include the
previous month's amount due and the current month's amount due because we had not received the previous month's payment
Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action
would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I receive very little mail and open everything that I receive TO DATE, I YET TO RECEIVE ANY CORRESPONDENCE VIA MAIL FROM THIS COMPANY
Regards,
*** ***
I am rejecting this response because: I am rejecting the company’s response until I receive a letter stating there is no balance due & the account is closed & paid in fullAnd the balance that they tried to say I owed has not been sent to the credit bureau
Initial Business Response /* (1000, 5, 2016/02/17) */
CONFIDENTIAL COMMUNICATION
February 17,
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 Prospera TENS Electronic Pulse Massager on December 9, We have received notification from Ms*** that she did not receive this itemThis item was shipped via UPS with the tracking number *** and was delivered on December 15,
When a customer states they have not received ordered merchandise, Fingerhut has certain policies and procedures in place in order to conduct an investigationA legal affidavit was mailed to Ms*** on February 16, She should allow 10-days to receive this document
As we understand the severity and urgency of this situation, Ms*** may fax the affidavit to ***, Attn: Kristina or mail the completed document to *** StCloud, MN
Ms*** states she received a pen from Fingerhut and has offered to return the penWe have no record of her ever receiving a pen from Fingerhut
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
I am rejecting this response because:I reject
due to I have made several attempts to speak with a manger and was declined.Before I filed I contacted the business and a rep placed a ticket as well requested that a manager to contact me within 24-hrs.until this date and time there has been no response backThe rep inform me that they was sorry and I never should have gotten the noticed.Like I stated when they placed me on the list,it had stopped,this was an human and human only who done thisIt is sometimes very frustrated when you get a language challenging rep who you can not understand and they can not understand you,and when you know that managers should come to the phone but declines.If it is possible I would like to have a contact person name as well as phone number incase the issue should arise again.That way I want have to tie up the Revdex.com and the issue could be resolvedFingerhut use to be really good.My mother raised us up on Fingerhut.When you is doing business with a company the company should not be about your money,but should be willing to reach out to the customer when there is issues
Initial Business Response /* (1000, 5, 2016/02/02) */
CONFIDENTIAL COMMUNICATION
February 1,
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 is a copy of the credit application for your records
In Ms***'s complaint, she states that Fingerhut is reporting a hard inquiry on her credit report from an August application she reported as fraudulentMs***'s desired resolution is to have the hard inquiry removed from her credit bureau reporting
Our records indicate an application for credit was processed online on September 1, We received notification on September 2, 2015, from Ms***, that this was an unauthorized applicationThe application was then denied and a notification to have the inquiry removed was sent to Equifax, Experian and Trans Union
A confirmation letter dated September 2, was sent to Ms*** stating that inquiry would be removed from all three credit reporting agencies and to please allow sixty to ninety days for this to be reflected on her credit report
The records further indicate on December 4, 2015, Ms*** contacted Fingerhut regarding the inquiry still showing on her credit reportThat same day another notification to have the inquiry removed was sent to Equifax, Experian and Trans Union
A second confirmation letter dated December 4, was sent to Ms*** stating that inquiry would be removed from all three credit reporting agencies and to please allow sixty to ninety days for this to be reflected on her credit report
In the hope of assisting Ms*** further, we would request that she mail a copy of her credit reports showing the hard inquiry to:
Fingerhut
Attention: Executive Care Team/Collections
***
Saint Cloud, MN
Or she may fax a copy to *** Attention: Executive Care Team/Collections
We appreciate Ms***'s patience regarding this issue and apologize for any inconvenience
If Ms*** still has questions about what has or has not been reported to the credit bureaus, she may contact us at the address listed above or by calling us toll-free at ***, Monday through Friday 9:00am to 6:00pm Central Standard Time
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa
Enclosure
Initial Consumer Rebuttal /* (3000, 7, 2016/02/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The inquiry still has not been removed from my account
CONFIDENTIAL COMMUNICATION June 9, 2017 RevDex.com of Minnesota # *** Attn: *** ***S River Ridge CircleBurnsville, MN 55337 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 AccountPlease see attached letter(s) of response as it exceeds the 2,max character count
CONFIDENTIAL COMMUNICATION January 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*** *** As stated in our previous response, the $late fee from October has been credited and applied to Ms***’s accountIt will reflect on her next statement for her records Records confirm that a new late fee was assessed in December This is because the payment was due on December 11, 2016, however, we did not receive it until December 15, No credit will be issued for this late fee as Ms*** has already received a courtesy late fee creditThe credit account terms and conditions Ms*** agreed to upon accepting the credit offer and opening the account stated late fees may be assessed if payments arrive late or are less than the required amount due We advise that Ms*** request her Bill Pay payments be made electronically to ensure they are received and applied as quickly as possible or, if mailed, to do so at least a week in advance of the due date Thank you for allowing us to explain Sincerely, Vi *** Executive Care Team VF/ah
CONFIDENTIAL COMMUNICATION March 16, Revdex.com of Minnesota Attn: *** *** S River Ridge Circle Burnsville, MN 55337 Re: Ms*** *** Case #: *** Dear Ms***, We are writing in response to an inquiry received from your office on behalf of Ms***
*** regarding the advertising for the Spindrift CardiganIn Ms***’s complaint she states she believed she was purchasing three sweater sets in her orderWhen her package was received, she only received Spindrift CardigansMs*** states when she contacted customer service regarding this issue she was informed the pieces had to be ordered separatelyMs*** also spoke to a supervisor requesting the Spindrift Shells be sent at no extra charge to her and the supervisor stated this could not be doneMs***’s desired resolution is the Spindrift Shells be sent at no additional chargeIn the catalog, the items are described as Spindrift sweatersBefore the item name and description of the item and states different letters for the separate piecesFor the Spindrift Cardigan it states in part “create a twin set and layer over the Spindrift Shell.” The catalog then lists the sizes available and the priceThe next item directly below the Spindrift Cardigan is the listing for the Spindrift ShellThis item is described as an “indispensable layering piece.” Below the description is also the sizes available and pricesThe pictures of the Spindrift cardigan and shell in the catalog are also labled with the two different letters that coincide with each descriptionThe Spindrift Cardigan is item number Aand retails for $eachThe Spindrift Shell is item number Aand retails for $eachThese items are sold separatelyMs*** received 20% off her order and if she wishes to purchase the matching shells this discount will also be honoredIf Ms*** chooses to return the Cardigans her return label fee has been waived and credit will be processed to the original form of paymentIf Ms*** has any additional questions or concerns she may contact Customer Service at ###-###-####Their hours of operation are Monday-Friday 9:00am-9:00pm Eastern TimeThank you for allowing us to explainSincerely, Denise *** Executive Care Team
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me I did call again and, after reading them the mail I received here, that person was happy to assist me I do suggest that perhaps your legal department issue a memo that a PoA is a legal document and that, once accepted and approved, it does allow the named person to manage the accountThis could have been avoided with the proper policies and training in place for this issue.Thank you for your time and efforts in this matter, ***
Initial Business Response /* (1000, 8, 2016/03/08) */
CONFIDENTIAL COMMUNICATION
March 8,
# ***
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 Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate an order was placed on our website on December 3, for the Amouria Diamond 10K White Gold Diamond Fashion PendantShortly after placing the order, Mr*** contacted our Customer Service Department and requested to cancel the item as Mr*** wanted the item to be shipped to his work address instead of his home addressThe agent cancelled the order and Mr*** replaced the order with the shipping address updated to his work address
Our Credit Risk Department was unable to verify Mr***'s work address and due to the significantly large dollar amount of the order, the Credit Risk Department requested the order to be cancelled and a letter was mailed to the original address we have on file for Mr*** advising him of the cancellation attempt and requesting him to contact our Credit Risk Department to verify the orderWhile the order status updated to a cancelled status, we were notified from our vendor that the order was already shipped and could not be cancelledPer the UPS tracking number, ***, provided to us by our vendor the pendant was delivered to Mr***'s work address on December 8, A manual billing was created for the pendant based on the tracking information we received from our vendor
We have not received the return of the pendantWe have also verified with our vendor that they have not received the return of this itemIn order for us to continue our investigation we are requesting the UPS tracking number and date the package was returned or a copy of the return receiptMr*** can send a copy of the receipt to Fingerhut Attn: Becky *** Saint Cloud, MN or via fax: *** Attn; BeckyOnce received we will further investigate Mr***'s concerns
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (3000, 10, 2016/03/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The package was handed back to the UPS drive for return sendingIt is not my fault, problem, or responsibility to correct your vendor's lack of competence or to track a package I should not have receivedI will be contacting a lawyer immediately if this is not rectified and will notify the proper credit agencies of the fraudulent charges made on a credit account in my name without proper authorization.The Revdex.com should not except this answer from this customer either as these are unfair business practices that improperly lay a significant burden on a potential customer because a lack of proper handling between the company and its vendorThis is not my fault and my credit WILL NOT be adversely impacted by this without legal consequences
Final Business Response /* (4000, 12, 2016/03/15) */
CONFIDENTIAL COMMUNICATION
March 15,
# ***
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 Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate that Mr*** placed the original order on our website and requested the item to be shipped to his home addressMr*** contacted us by phone and cancelled the original order and, per his request, another order was placed and shipped to his work addressAt no point did Mr*** request the order that was shipped to his work address to be cancelled
As stated previously, per the UPS tracking number ***, provided to us by our vendor the pendant was delivered to Mr***'s work address on December 8, The package was signed for by *** at 1:PMMr*** verified that he did receive the package and that he returned the package through UPSWhen Mr*** returned the package, he should have received a receipt and/or a tracking number for the packageWe cannot issue credit for an item that we have not received
We strongly suggest that Mr*** contact UPS for further assistance regarding the tracking or whereabouts of this order
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
Final Consumer Response /* (3000, 14, 2016/03/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It is not my job to reach out to anyone about something I did not orderYour company is lazyThis is between you, your vendor, and UPS and is not my problemI have contacted legal representation and the appropriate credit bureausThis is totally unethicalHow dare you charge someone for something they did not order? If you check your records, the order was cancelled because you told me you could not ship it to my job so I didn't want it and made an alternative purchase for my wife's giftI WILL NOT PAY FOR THIS BECAUSE I DON'T HAVE ITAlso keep in mind, I am suing you for damages, as well as time spent, and impact on my credit report for this lie even being reported to the bureausYour company is unethical
Initial Business Response /* (1000, 5, 2015/11/18) */
CONFIDENTIAL COMMUNICATION
November 17,
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
Unauthorized account set up and activity is a serious matter, and we have certain procedures in place to assist those making this type of claim
Our records indicate on November 11, a legal affidavit was sent to Ms***'s address *** Pittsburgh, PA Once this document is received out Credit Risk Department will update the account as fraud and no additional activity will be allowedAt that time we will also notify the credit bureaus and the trade lines will be deleted
As we understand the urgency and severity of the situation, Ms*** may fax the legal affidavit to ***, Attn: Kristina
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 7, 2015/12/01) */
CONFIDENTIAL COMMUNICATION May 13, Revdex.com of
Minnesota #*** Attn: Ms*** *** SRiver Ridge Circle Burnsville, MN Re: Mr*** *** Case #: *** Dear Ms***, I am writing in response to an inquiry received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut credit account ending in ***Mr*** states that his WebBank/Fingerhut credit account was not included in his bankruptcy and should not be reporting negativelyMr*** is requesting to have the derogatory remarks removed from his credit reportOur records indicate, a WebBank/Fingerhut credit account ending *** was opened when an application for credit was processed online July 13, in the name *** A***According to public record, Mr*** filed Chapter bankruptcy on August 24, Fingerhut was notified by the courts and updated Mr***’s account to Closed due to Bankruptcy on November 1, On March 28, 2013, Mr*** attempted to order a Scosche iPad Black Leather Textured Folio Case using the first Fingerhut credit account ending in ***The order was cancelled as the account was previously closed due to BankruptcyOur records indicate a second credit application was received on March 28, 2013, with Mr***’s name which was approved for a Fingerhut FreshStart Installment Loan account ending in *** upon receipt of a $down paymentAn order was placed online the same day for a Scosche iPad Black Leather Textured Folio CaseOn June 9, 2013, Mr*** graduated into a second WebBank/Fingerhut credit account ending in An order was placed for a Honeywell True HEPA Quietcare Air Purifier with a year Service PlanAccording to public record, Mr***’s bankruptcy was discharged on January 21, and the case was closed on April 1, Based on an account review on May 11, 2016, Equifax, Experian and Trans Union are reporting Mr***’s account ending in *** accurately as Closed Due to Chapter Bankruptcy with a zero balance and past dueIn order to ensure all bureaus are reporting the same, an electronic update was sent to the bureaus to update the Date of Account Information to August 24, (Ref: ***) The bureaus are also accurately reporting the Fingerhut FreshStart Installment Loan account ending in *** and second Fingerhut credit account ending in *** as ‘paid and closed with a zero balance’ and ‘current with a zero balance’, respectivelyWe cannot revise any additional 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 Mr***’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 wellIf Mr*** still has questions about his account regarding what has or has not been reported to the credit bureaus, he may contact Fingerhut by calling toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Standard TimeThank you for allowing us to explainSincerely, Kari *** Executive Care Team KD/sjj
I am rejecting this response because: I LOOKED AT THE DOS OF FOR THE 9'' FAN FOR AND I SEE THAT YOU HAVE ALSO CHARGED ME FOR THAT FAN. I RECEIVED THE ORDER FOR THAT DOS EXCEPT FOR THE LARGE FAN AND THE SMALLER ONE THAT'S WHY I PURCHASED THE 9" AGAIN IN DEC BECAUSE I DIDN'T RECEIVE BUT I WILL ALSO REQUEST FOR A REFUND BE GIVEN TO ME ALSO FOR THAT FAN FOR DOS I STATED BEFORE THAT I DIDN'T RECEIVE THOSE ITEMS EVEN THOUGH THE LARGER FAN SHOW THAT I RETURNED IT.(IT NEVER SHIPPED TO ME) I DON'T KNOW WHAT IS GOING ON WITH YOUR BILLING DEPT SO MY DISPUTE IS NOT ONLY FOR THE I HAVE BEEN CHARGED FOR A FAN DOS THAT WAS NOT SENT BACK OUT TO ME BUT I SEE I WAS CHARGEDSO SINCE FINGERHUT WANTS TO KEEP DISPUTING ADD THE PLUS THE TAX ON MY BILL. I HAVE ORDERED A LOT OF ITEMS FROM FINGERHUT AND I HAVE NO PROBLEM PAYING FOR THE ITEMS I RECEIVED, I ALSO AM KEEPING SUCH A CLOSE EYE ON MY ACCOUNT NOW BECAUSE THEY HAVE MADE MISTAKES AND DON'T WANT TO TAKE RESPONSIBILITY. I MADE A RECENT PURCHASE AND BECAUSE OF THIS DISPUTE I RETURNED AND MY FOCUS IS TO PAY OFF THIS ACCOUNT LESS PLUS AND THE TAX FOR ITEMS NOW SINCE THEY DON'T WANT TO CREDIT MY ACCOUNT FOR THERE MISTAKES. I JUST WANT MY DUE OR I WILL DEDUCT OFF MY BILL MYSELF. IF I WAS GOING TO KEEP DISPUTING MY BILLS OUT OF DISHONESTY IT WOULD BE FOR MORE THAN THESE SMALL AMOUNTS
Initial Business Response /* (1000, 6, 2015/08/13) */
CONFIDENTIAL COMMUNICATION
August 13,
# ***
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 an order was placed on our website for a Ladies' 18K Gold-Plated Silver Class Ring Size and a Ladies' 18K Gold-Plated Silver Class Ring Size 1/for a total with shipping and handling of $In the description on our website for this item it states specifically:
"Personalized items cannot be returned unless defectivePlease place your order carefully."
Our return policy, also listed on our website as well as in our catalogs states, in part:
"Personalized/customized products may be returned for credit if they are damaged or defective onlyExchanges are for the exact same item only, within days of purchase."
As stated in her complaint, Ms*** states she returned the items because she was not satisfied with the quality of the ringsWhen a customer returns an item, whether choosing "Quality" or any other of the provided reasons, it should not be assumed their return will be approved for credit or exchange--they must still also meet the conditions of the return policyWe received and processed the return of both rings on February 4, On February 5, a letter was sent to the address we have on file for Ms***, advising of our return policy on personalized items and that we would hold the items for daysIf she contacted us in that timeframe we would return the items to herThe letter also advised, if she did not want the rings returned, we would discard them but she would still be responsible for the charges based on our return policy for personalized itemsOn March 6, 2015, the rings were disposed of as stated in the letter we sent to Ms***
Ms*** had a previous balance on her account prior to the order for the rings of $1,On the reverse side of each monthly billing statement are a series of disclosures informing and advising customers on various aspects of their accountThe section titled "What To Do If You Think You Find A Mistake On Your Statement" explains the required steps necessary to file a formal dispute in this regardIt states, in part:
"You must contact us within days after the error appeared on your statementYou must notify us of any potential errors in writingYou may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in questionWhile we investigate whether or not there has been an error, the following are true:
We cannot try to collect the amount in question, or report you as delinquent
The charge in question may remain on your statement, and we may continue to charge you interest on that amountBut, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount
While you do not have to pay the amount in question, you are responsible for the remainder of your balance
We can apply any unpaid amount against your credit limit."
We did not find that a formal billing dispute was ever submitted to us about this matter, which we would have needed to adjust her monthly payment to reflect what was owed for the earlier purchases onlyAs Ms*** remained obligated to make at least the minimum amount due, and because no payments have been received since March 27, 2015, we cannot remove the past due payment history that has been reported to the credit agenciesIt is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies
The remaining balance on Ms***'s account is $as of the date of this letter
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (3000, 8, 2015/08/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The beginning of their response is correct, I did understand "Personalized items cannot be returned unless defectivePlease place your order carefully." I also know that when a stone is not properly set, which was the case for both of these rings, that is a "Defective" product and should be treated as suchI did not feel that I should have to pay for these rings that were defective, so I packaged them up and returned them with a detailed letter stating what I felt was wrong with each ringAt no time did I feel they even took the time to consider the products defective and treat the returned products as such, their only concern was ensuring that I had to pay for themIf a ring is not put together correctly how can it be considered anything other than "Defective"
Final Business Response /* (4000, 21, 2015/10/29) */
CONFIDENTIAL COMMUNICATION
October 29,
# ***
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
As an exception we have credited the cash price of the rings in the amount of $(rings at $each).The original shipping and handling is non-refundable
Ms*** had a balance on the account of $1,prior to the rings being purchasedWe realize Ms*** was likely withholding payment as a result of not initially receiving credit for the ringsThis was and is not sufficient grounds to relieve a customer of their payment obligation on outstanding debtNo late fees or interest charges will be credited
As stated previously, we did not find any evidence of being notified of the dispute in writing, and Ms*** remained obligated to make the minimum payment each month as shown on her statements and because no payments have been received since March 27, 2015, we cannot remove the past due payment history that has been reported to the credit agenciesIt is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies
Please understand the credits issued have no bearing on Ms***'s charged off account status as a balance remains due to the other purchases madePlease allow 60-days for the account balance to update
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
Final Consumer Response /* (2000, 23, 2015/11/06) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept and appreciate Fingerhut giving me the credit for the items I returned, however, they have not given me a chance to pay them the remaining amount that I actually oweOnce I started my complaint through Revdex.com,they immediately closed my account and marked it as "Charged Off Bad Debt"and sent to a collection agencyI would like them to reopen the account so that I can "Only Pay Off What I Owe", I no longer want the ability to add purchases to my account, only pay monthly installments until paid in full minus the credit they are awarding me for both ringsI would really appreciate it if they were willing to remove the "Bad Debt" charged off label from my account that was created because of a miscommunication errorIf they would look back at my account, I was a good customer for nearly and 1/years that was never late with my payments until this incidentPlease consider my request, Thanks
CONFIDENTIAL COMMUNICATION Dear Ms***, I am writing in response to the further inquiry we received from Ms*** ***. Ms*** has filed police report #*** online as she is currently out of the countryHowever, she feels further action to validate the account should not be necessary on her part due to disputing the account under the FCRA, so that we are in fact responsible for providing validation. Please see our full and detailed response to the follinquiry as a PDF attachment. Sincerely, Vi ***Executive Care Team VF/ah
I am rejecting this response because: As stated in my original complaint, I made every effort to provide ALL of the documentation I was asked forYour company on the other hand, made every effort to reject my many attempts to resubmit my paperworkI responded to each letter and continued to call your call center at which point, I was met with resistanceThe account is delinquent because no payment was made on my behalf pending the approval for benefits I paid for on a monthly bases, prior to the account going into past due statusI am willing to pay for the product that I orderedBut all the extra fees and interest charges are not fair to me as a consumer, given the fact that I made many attempts to rectify my account
CONFIDENTIAL COMMUNICATION September 29, Revdex.com of Minnesota Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, I am writing in response to a second inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut FreshStart Installment Loan Account ending in *** Ms*** states she has reached out to *** ***/*** *** *** and faxed over her paperwork as requested and to date has not received a responseShe further states she reached out to *** *** ***, shown as the account owner on her credit report, and requested she fax a receipt showing the account has been paidShe further states in she made a payment to *** * *** and is confused as to whom actually owns her accountMs***’s desired resolution is to know which company owns the account and have this company no longer sell her information We reached out to directly to *** *** *** regarding Ms***’s concerns and received the following response: “We have investigated the complaint filed by *** ***This account is Paid in Full through *** * ***It was reported incorrectly back to our office and the account was outsourced again in errorWe apologize for the errorIt has been placed in a restricted desk and will not get placed anywhere else*** *** *** never sold any account information to anyoneWe do apologize for any inconvenience Ms*** may have sufferedWe hope that this resolution meets her satisfaction.” Thank you for allowing us to assist and explain Sincerely, Kari *** Executive Care Team KD/sa
I am rejecting this response because:I feel
that the way I was treated by the agents was unfair and they treated me like a criminalWhen I called the first time I was told I placed the order in NovemberI wasn't advised it was two different ordersI shouldn't of had to call several times to get this rectifiedPlus I was advised the last time I called my interest and late fees were going to be waived so that was obviously a lieI feel that I should get a percent credit at least for everything I had to deal with and then I had to go to the Revdex.com for a resolutionI will post all over social media if I don't get a resolution to all I had to deal with
CONFIDENTIAL COMMUNICATION
March 17,
# ***
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Cir
Burnsville, MN
Re: Case # *** - ***, ***
Dear Ms***,
I am writing in response to the inquiry we received from your
office on behalf of Mr*** ***, regarding his WebBank/Fingerhut Advantage Credit Account balanceWe would like to provide Mr*** with a clearer understanding of his balance, which originated with his January 13, order for a Roku Streaming Player and Vanco 6-Foot HDMI Cable
The first payment was not received by the due date of February 15, 2015, resulting in a $late fee added to the balanceHe paid the balance on February 23, 2015which brought the account current and continued to pay on time through April Another $late fee was added when no payment was received by his May 15, due dateOn June 5, 2015, the account was paid current, but the next payment was received on July 16, which, while just a day late, still accrued another $late fee (we do not have a grace period)The next payment arrived a few days late on August 18, and a $late fee resulted
The next payment was made September 22, and accrued a $late feeOn October 2015, Mr***'s bill went unpaid and a $late fee was added to his accountAs a reminder, if the required minimum amount due is not received, or is less than the amount required, the minimum amount due the next month will be higher and continue to be higher until the correct minimum due is receivedMr*** now was required to make a minimum payment of $by his November due date to cover October's past due amount and the new amount due for NovemberWe received a $payment on November 16, and a $late fee was charged
On December 4, 2015, Mr*** brought his account current and has continued to make on-time payments ever sinceOur records show that Mr***'s statements were being sent regular mail to his address of *** * *** *** *** ** Wausau, WI They further show that, on December 18, via his web account, he opted to receive his statements electronically to his email address on the inquiry
While we sympathize with Mr***, he remains responsible for payment towards his account, the balance for which is accurate per the reasons outlined aboveHowever, we have decided to credit the most recent late fee as a goodwill gestureThis will reflect on his upcoming statement and, allowing for this adjustment, we maintain his current balance of $is fully accurateNo further adjustments will be made
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
Full Response AttachedCONFIDENTIAL COMMUNICATION: Ms*** states that we processed her payment for more than we should have, but it is because the amount she chose when she scheduled the payment on our website was for the 'minimum amount due'At the time the payment processed, it include the
previous month's amount due and the current month's amount due because we had not received the previous month's payment
Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action
would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I receive very little mail and open everything that I receive TO DATE, I YET TO RECEIVE ANY CORRESPONDENCE VIA MAIL FROM THIS COMPANY
Regards,
*** ***
I am rejecting this response because: I am rejecting the company’s response until I receive a letter stating there is no balance due & the account is closed & paid in fullAnd the balance that they tried to say I owed has not been sent to the credit bureau
Initial Business Response /* (1000, 5, 2016/02/17) */
CONFIDENTIAL COMMUNICATION
February 17,
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 Prospera TENS Electronic Pulse Massager on December 9, We have received notification from Ms*** that she did not receive this itemThis item was shipped via UPS with the tracking number *** and was delivered on December 15,
When a customer states they have not received ordered merchandise, Fingerhut has certain policies and procedures in place in order to conduct an investigationA legal affidavit was mailed to Ms*** on February 16, She should allow 10-days to receive this document
As we understand the severity and urgency of this situation, Ms*** may fax the affidavit to ***, Attn: Kristina or mail the completed document to *** StCloud, MN
Ms*** states she received a pen from Fingerhut and has offered to return the penWe have no record of her ever receiving a pen from Fingerhut
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
I am rejecting this response because:I reject
due to I have made several attempts to speak with a manger and was declined.Before I filed I contacted the business and a rep placed a ticket as well requested that a manager to contact me within 24-hrs.until this date and time there has been no response backThe rep inform me that they was sorry and I never should have gotten the noticed.Like I stated when they placed me on the list,it had stopped,this was an human and human only who done thisIt is sometimes very frustrated when you get a language challenging rep who you can not understand and they can not understand you,and when you know that managers should come to the phone but declines.If it is possible I would like to have a contact person name as well as phone number incase the issue should arise again.That way I want have to tie up the Revdex.com and the issue could be resolvedFingerhut use to be really good.My mother raised us up on Fingerhut.When you is doing business with a company the company should not be about your money,but should be willing to reach out to the customer when there is issues
Initial Business Response /* (1000, 5, 2016/02/02) */
CONFIDENTIAL COMMUNICATION
February 1,
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 is a copy of the credit application for your records
In Ms***'s complaint, she states that Fingerhut is reporting a hard inquiry on her credit report from an August application she reported as fraudulentMs***'s desired resolution is to have the hard inquiry removed from her credit bureau reporting
Our records indicate an application for credit was processed online on September 1, We received notification on September 2, 2015, from Ms***, that this was an unauthorized applicationThe application was then denied and a notification to have the inquiry removed was sent to Equifax, Experian and Trans Union
A confirmation letter dated September 2, was sent to Ms*** stating that inquiry would be removed from all three credit reporting agencies and to please allow sixty to ninety days for this to be reflected on her credit report
The records further indicate on December 4, 2015, Ms*** contacted Fingerhut regarding the inquiry still showing on her credit reportThat same day another notification to have the inquiry removed was sent to Equifax, Experian and Trans Union
A second confirmation letter dated December 4, was sent to Ms*** stating that inquiry would be removed from all three credit reporting agencies and to please allow sixty to ninety days for this to be reflected on her credit report
In the hope of assisting Ms*** further, we would request that she mail a copy of her credit reports showing the hard inquiry to:
Fingerhut
Attention: Executive Care Team/Collections
***
Saint Cloud, MN
Or she may fax a copy to *** Attention: Executive Care Team/Collections
We appreciate Ms***'s patience regarding this issue and apologize for any inconvenience
If Ms*** still has questions about what has or has not been reported to the credit bureaus, she may contact us at the address listed above or by calling us toll-free at ***, Monday through Friday 9:00am to 6:00pm Central Standard Time
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/sa
Enclosure
Initial Consumer Rebuttal /* (3000, 7, 2016/02/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The inquiry still has not been removed from my account
CONFIDENTIAL COMMUNICATION June 9, 2017 RevDex.com of Minnesota # *** Attn: *** ***S River Ridge CircleBurnsville, MN 55337 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 AccountPlease see attached letter(s) of response as it exceeds the 2,max character count
CONFIDENTIAL COMMUNICATION January 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*** *** As stated in our previous response, the $late fee from October has been credited and applied to Ms***’s accountIt will reflect on her next statement for her records Records confirm that a new late fee was assessed in December This is because the payment was due on December 11, 2016, however, we did not receive it until December 15, No credit will be issued for this late fee as Ms*** has already received a courtesy late fee creditThe credit account terms and conditions Ms*** agreed to upon accepting the credit offer and opening the account stated late fees may be assessed if payments arrive late or are less than the required amount due We advise that Ms*** request her Bill Pay payments be made electronically to ensure they are received and applied as quickly as possible or, if mailed, to do so at least a week in advance of the due date Thank you for allowing us to explain Sincerely, Vi *** Executive Care Team VF/ah
CONFIDENTIAL COMMUNICATION March 16, Revdex.com of Minnesota Attn: *** *** S River Ridge Circle Burnsville, MN 55337 Re: Ms*** *** Case #: *** Dear Ms***, We are writing in response to an inquiry received from your office on behalf of Ms***
*** regarding the advertising for the Spindrift CardiganIn Ms***’s complaint she states she believed she was purchasing three sweater sets in her orderWhen her package was received, she only received Spindrift CardigansMs*** states when she contacted customer service regarding this issue she was informed the pieces had to be ordered separatelyMs*** also spoke to a supervisor requesting the Spindrift Shells be sent at no extra charge to her and the supervisor stated this could not be doneMs***’s desired resolution is the Spindrift Shells be sent at no additional chargeIn the catalog, the items are described as Spindrift sweatersBefore the item name and description of the item and states different letters for the separate piecesFor the Spindrift Cardigan it states in part “create a twin set and layer over the Spindrift Shell.” The catalog then lists the sizes available and the priceThe next item directly below the Spindrift Cardigan is the listing for the Spindrift ShellThis item is described as an “indispensable layering piece.” Below the description is also the sizes available and pricesThe pictures of the Spindrift cardigan and shell in the catalog are also labled with the two different letters that coincide with each descriptionThe Spindrift Cardigan is item number Aand retails for $eachThe Spindrift Shell is item number Aand retails for $eachThese items are sold separatelyMs*** received 20% off her order and if she wishes to purchase the matching shells this discount will also be honoredIf Ms*** chooses to return the Cardigans her return label fee has been waived and credit will be processed to the original form of paymentIf Ms*** has any additional questions or concerns she may contact Customer Service at ###-###-####Their hours of operation are Monday-Friday 9:00am-9:00pm Eastern TimeThank you for allowing us to explainSincerely, Denise *** Executive Care Team
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me I did call again and, after reading them the mail I received here, that person was happy to assist me I do suggest that perhaps your legal department issue a memo that a PoA is a legal document and that, once accepted and approved, it does allow the named person to manage the accountThis could have been avoided with the proper policies and training in place for this issue.Thank you for your time and efforts in this matter, ***
Initial Business Response /* (1000, 8, 2016/03/08) */
CONFIDENTIAL COMMUNICATION
March 8,
# ***
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 Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate an order was placed on our website on December 3, for the Amouria Diamond 10K White Gold Diamond Fashion PendantShortly after placing the order, Mr*** contacted our Customer Service Department and requested to cancel the item as Mr*** wanted the item to be shipped to his work address instead of his home addressThe agent cancelled the order and Mr*** replaced the order with the shipping address updated to his work address
Our Credit Risk Department was unable to verify Mr***'s work address and due to the significantly large dollar amount of the order, the Credit Risk Department requested the order to be cancelled and a letter was mailed to the original address we have on file for Mr*** advising him of the cancellation attempt and requesting him to contact our Credit Risk Department to verify the orderWhile the order status updated to a cancelled status, we were notified from our vendor that the order was already shipped and could not be cancelledPer the UPS tracking number, ***, provided to us by our vendor the pendant was delivered to Mr***'s work address on December 8, A manual billing was created for the pendant based on the tracking information we received from our vendor
We have not received the return of the pendantWe have also verified with our vendor that they have not received the return of this itemIn order for us to continue our investigation we are requesting the UPS tracking number and date the package was returned or a copy of the return receiptMr*** can send a copy of the receipt to Fingerhut Attn: Becky *** Saint Cloud, MN or via fax: *** Attn; BeckyOnce received we will further investigate Mr***'s concerns
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (3000, 10, 2016/03/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The package was handed back to the UPS drive for return sendingIt is not my fault, problem, or responsibility to correct your vendor's lack of competence or to track a package I should not have receivedI will be contacting a lawyer immediately if this is not rectified and will notify the proper credit agencies of the fraudulent charges made on a credit account in my name without proper authorization.The Revdex.com should not except this answer from this customer either as these are unfair business practices that improperly lay a significant burden on a potential customer because a lack of proper handling between the company and its vendorThis is not my fault and my credit WILL NOT be adversely impacted by this without legal consequences
Final Business Response /* (4000, 12, 2016/03/15) */
CONFIDENTIAL COMMUNICATION
March 15,
# ***
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 Mr*** *** regarding a WebBank/Fingerhut Advantage Credit Account
Our records indicate that Mr*** placed the original order on our website and requested the item to be shipped to his home addressMr*** contacted us by phone and cancelled the original order and, per his request, another order was placed and shipped to his work addressAt no point did Mr*** request the order that was shipped to his work address to be cancelled
As stated previously, per the UPS tracking number ***, provided to us by our vendor the pendant was delivered to Mr***'s work address on December 8, The package was signed for by *** at 1:PMMr*** verified that he did receive the package and that he returned the package through UPSWhen Mr*** returned the package, he should have received a receipt and/or a tracking number for the packageWe cannot issue credit for an item that we have not received
We strongly suggest that Mr*** contact UPS for further assistance regarding the tracking or whereabouts of this order
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
Final Consumer Response /* (3000, 14, 2016/03/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It is not my job to reach out to anyone about something I did not orderYour company is lazyThis is between you, your vendor, and UPS and is not my problemI have contacted legal representation and the appropriate credit bureausThis is totally unethicalHow dare you charge someone for something they did not order? If you check your records, the order was cancelled because you told me you could not ship it to my job so I didn't want it and made an alternative purchase for my wife's giftI WILL NOT PAY FOR THIS BECAUSE I DON'T HAVE ITAlso keep in mind, I am suing you for damages, as well as time spent, and impact on my credit report for this lie even being reported to the bureausYour company is unethical
Initial Business Response /* (1000, 5, 2015/11/18) */
CONFIDENTIAL COMMUNICATION
November 17,
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
Unauthorized account set up and activity is a serious matter, and we have certain procedures in place to assist those making this type of claim
Our records indicate on November 11, a legal affidavit was sent to Ms***'s address *** Pittsburgh, PA Once this document is received out Credit Risk Department will update the account as fraud and no additional activity will be allowedAt that time we will also notify the credit bureaus and the trade lines will be deleted
As we understand the urgency and severity of the situation, Ms*** may fax the legal affidavit to ***, Attn: Kristina
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (2000, 7, 2015/12/01) */
CONFIDENTIAL COMMUNICATION May 13, Revdex.com of
Minnesota #*** Attn: Ms*** *** SRiver Ridge Circle Burnsville, MN Re: Mr*** *** Case #: *** Dear Ms***, I am writing in response to an inquiry received from your office on behalf of Mr*** *** regarding a WebBank/Fingerhut credit account ending in ***Mr*** states that his WebBank/Fingerhut credit account was not included in his bankruptcy and should not be reporting negativelyMr*** is requesting to have the derogatory remarks removed from his credit reportOur records indicate, a WebBank/Fingerhut credit account ending *** was opened when an application for credit was processed online July 13, in the name *** A***According to public record, Mr*** filed Chapter bankruptcy on August 24, Fingerhut was notified by the courts and updated Mr***’s account to Closed due to Bankruptcy on November 1, On March 28, 2013, Mr*** attempted to order a Scosche iPad Black Leather Textured Folio Case using the first Fingerhut credit account ending in ***The order was cancelled as the account was previously closed due to BankruptcyOur records indicate a second credit application was received on March 28, 2013, with Mr***’s name which was approved for a Fingerhut FreshStart Installment Loan account ending in *** upon receipt of a $down paymentAn order was placed online the same day for a Scosche iPad Black Leather Textured Folio CaseOn June 9, 2013, Mr*** graduated into a second WebBank/Fingerhut credit account ending in An order was placed for a Honeywell True HEPA Quietcare Air Purifier with a year Service PlanAccording to public record, Mr***’s bankruptcy was discharged on January 21, and the case was closed on April 1, Based on an account review on May 11, 2016, Equifax, Experian and Trans Union are reporting Mr***’s account ending in *** accurately as Closed Due to Chapter Bankruptcy with a zero balance and past dueIn order to ensure all bureaus are reporting the same, an electronic update was sent to the bureaus to update the Date of Account Information to August 24, (Ref: ***) The bureaus are also accurately reporting the Fingerhut FreshStart Installment Loan account ending in *** and second Fingerhut credit account ending in *** as ‘paid and closed with a zero balance’ and ‘current with a zero balance’, respectivelyWe cannot revise any additional 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 Mr***’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 wellIf Mr*** still has questions about his account regarding what has or has not been reported to the credit bureaus, he may contact Fingerhut by calling toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Standard TimeThank you for allowing us to explainSincerely, Kari *** Executive Care Team KD/sjj
I am rejecting this response because: I LOOKED AT THE DOS OF FOR THE 9'' FAN FOR AND I SEE THAT YOU HAVE ALSO CHARGED ME FOR THAT FAN. I RECEIVED THE ORDER FOR THAT DOS EXCEPT FOR THE LARGE FAN AND THE SMALLER ONE THAT'S WHY I PURCHASED THE 9" AGAIN IN DEC BECAUSE I DIDN'T RECEIVE BUT I WILL ALSO REQUEST FOR A REFUND BE GIVEN TO ME ALSO FOR THAT FAN FOR DOS I STATED BEFORE THAT I DIDN'T RECEIVE THOSE ITEMS EVEN THOUGH THE LARGER FAN SHOW THAT I RETURNED IT.(IT NEVER SHIPPED TO ME) I DON'T KNOW WHAT IS GOING ON WITH YOUR BILLING DEPT SO MY DISPUTE IS NOT ONLY FOR THE I HAVE BEEN CHARGED FOR A FAN DOS THAT WAS NOT SENT BACK OUT TO ME BUT I SEE I WAS CHARGEDSO SINCE FINGERHUT WANTS TO KEEP DISPUTING ADD THE PLUS THE TAX ON MY BILL. I HAVE ORDERED A LOT OF ITEMS FROM FINGERHUT AND I HAVE NO PROBLEM PAYING FOR THE ITEMS I RECEIVED, I ALSO AM KEEPING SUCH A CLOSE EYE ON MY ACCOUNT NOW BECAUSE THEY HAVE MADE MISTAKES AND DON'T WANT TO TAKE RESPONSIBILITY. I MADE A RECENT PURCHASE AND BECAUSE OF THIS DISPUTE I RETURNED AND MY FOCUS IS TO PAY OFF THIS ACCOUNT LESS PLUS AND THE TAX FOR ITEMS NOW SINCE THEY DON'T WANT TO CREDIT MY ACCOUNT FOR THERE MISTAKES. I JUST WANT MY DUE OR I WILL DEDUCT OFF MY BILL MYSELF. IF I WAS GOING TO KEEP DISPUTING MY BILLS OUT OF DISHONESTY IT WOULD BE FOR MORE THAN THESE SMALL AMOUNTS
Initial Business Response /* (1000, 6, 2015/08/13) */
CONFIDENTIAL COMMUNICATION
August 13,
# ***
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 an order was placed on our website for a Ladies' 18K Gold-Plated Silver Class Ring Size and a Ladies' 18K Gold-Plated Silver Class Ring Size 1/for a total with shipping and handling of $In the description on our website for this item it states specifically:
"Personalized items cannot be returned unless defectivePlease place your order carefully."
Our return policy, also listed on our website as well as in our catalogs states, in part:
"Personalized/customized products may be returned for credit if they are damaged or defective onlyExchanges are for the exact same item only, within days of purchase."
As stated in her complaint, Ms*** states she returned the items because she was not satisfied with the quality of the ringsWhen a customer returns an item, whether choosing "Quality" or any other of the provided reasons, it should not be assumed their return will be approved for credit or exchange--they must still also meet the conditions of the return policyWe received and processed the return of both rings on February 4, On February 5, a letter was sent to the address we have on file for Ms***, advising of our return policy on personalized items and that we would hold the items for daysIf she contacted us in that timeframe we would return the items to herThe letter also advised, if she did not want the rings returned, we would discard them but she would still be responsible for the charges based on our return policy for personalized itemsOn March 6, 2015, the rings were disposed of as stated in the letter we sent to Ms***
Ms*** had a previous balance on her account prior to the order for the rings of $1,On the reverse side of each monthly billing statement are a series of disclosures informing and advising customers on various aspects of their accountThe section titled "What To Do If You Think You Find A Mistake On Your Statement" explains the required steps necessary to file a formal dispute in this regardIt states, in part:
"You must contact us within days after the error appeared on your statementYou must notify us of any potential errors in writingYou may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in questionWhile we investigate whether or not there has been an error, the following are true:
We cannot try to collect the amount in question, or report you as delinquent
The charge in question may remain on your statement, and we may continue to charge you interest on that amountBut, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount
While you do not have to pay the amount in question, you are responsible for the remainder of your balance
We can apply any unpaid amount against your credit limit."
We did not find that a formal billing dispute was ever submitted to us about this matter, which we would have needed to adjust her monthly payment to reflect what was owed for the earlier purchases onlyAs Ms*** remained obligated to make at least the minimum amount due, and because no payments have been received since March 27, 2015, we cannot remove the past due payment history that has been reported to the credit agenciesIt is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies
The remaining balance on Ms***'s account is $as of the date of this letter
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (3000, 8, 2015/08/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The beginning of their response is correct, I did understand "Personalized items cannot be returned unless defectivePlease place your order carefully." I also know that when a stone is not properly set, which was the case for both of these rings, that is a "Defective" product and should be treated as suchI did not feel that I should have to pay for these rings that were defective, so I packaged them up and returned them with a detailed letter stating what I felt was wrong with each ringAt no time did I feel they even took the time to consider the products defective and treat the returned products as such, their only concern was ensuring that I had to pay for themIf a ring is not put together correctly how can it be considered anything other than "Defective"
Final Business Response /* (4000, 21, 2015/10/29) */
CONFIDENTIAL COMMUNICATION
October 29,
# ***
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
As an exception we have credited the cash price of the rings in the amount of $(rings at $each).The original shipping and handling is non-refundable
Ms*** had a balance on the account of $1,prior to the rings being purchasedWe realize Ms*** was likely withholding payment as a result of not initially receiving credit for the ringsThis was and is not sufficient grounds to relieve a customer of their payment obligation on outstanding debtNo late fees or interest charges will be credited
As stated previously, we did not find any evidence of being notified of the dispute in writing, and Ms*** remained obligated to make the minimum payment each month as shown on her statements and because no payments have been received since March 27, 2015, we cannot remove the past due payment history that has been reported to the credit agenciesIt is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies
Please understand the credits issued have no bearing on Ms***'s charged off account status as a balance remains due to the other purchases madePlease allow 60-days for the account balance to update
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
Final Consumer Response /* (2000, 23, 2015/11/06) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept and appreciate Fingerhut giving me the credit for the items I returned, however, they have not given me a chance to pay them the remaining amount that I actually oweOnce I started my complaint through Revdex.com,they immediately closed my account and marked it as "Charged Off Bad Debt"and sent to a collection agencyI would like them to reopen the account so that I can "Only Pay Off What I Owe", I no longer want the ability to add purchases to my account, only pay monthly installments until paid in full minus the credit they are awarding me for both ringsI would really appreciate it if they were willing to remove the "Bad Debt" charged off label from my account that was created because of a miscommunication errorIf they would look back at my account, I was a good customer for nearly and 1/years that was never late with my payments until this incidentPlease consider my request, Thanks