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
Dear Ms*** :I am in receipt of the above referenced matterPer the complainant's request, my company has ceasedall communicationAlso, we have requested of our client today, written validation of these accounts,which we will forward to the complainant as soon as we receive them.Thank you
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
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
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,
*** ***
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
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
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
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
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
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
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
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
I am rejecting this response because:The date
they are talking about is completely wrong, in which part of life does a warranty start before it's actually in your possession and able to be used by the patron, I have never heard of such a thing, I got it on the 16th of that month so that is when a warranty should start, also the time frame they say that it took for me to contact them was not my fault at all, it was their fault because they kept giving me the run a round and trying to pass the buck along to another and also with promises of return calls just to get me off the phone and extend the time even longer, that is very bad and sneaky business on their part, I did everything right but they are trying to tell me I didn't, I don't feel as though they should get away with that, how many others have they gotten with traps like that, so no I can't accept that response from them
I am rejecting this response because: Although the account was behind for 12/16, 1/17, 2/17, and 3/17- it was caught up/ current by the end of April Since receiving your response/documentation- I observed that you have been reporting my
account as late when it was in fact, current and being paid in time for May, and June. You did not address this issue and chose not to address the fact that the account was being reported inaccurately to the credit bureauI do not deny the fact that the account was paid late from 12-through April What I deny is the fact that it was paid late in May, and June 2017- which are the months that Fingerhut reported the account as being paid late and due to your unethical and incorrect reportingI was denied credit and my credit card limit was reduced. You intentionally DID NOT address this issue- your inaccurate reporting to the credit bureauWhat do you have to say about the credit report enclosed which was verified by you and reported by EQUIFAX - JUNE 8, 2017?????I also observed from your documentation that you have been charging me for safeline insurance that I was not aware that I hadI did not sign for any type of insurance and had I been offered this- I would have declined it. I have incurred numerous late fees throughout this contract when in fact- I have been paying on time since the account was brought current- How is this possible? Due to your inability to accept responsibility for your company's wrong doing- I will at this point- send all documentation and correspondence to my attorney at Frank and Rice PA- Tallahassee Florida. Thanks for your cooperation in this matter
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
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, 5, 2015/11/17) */
CONFIDENTIAL COMMUNICATION
November 16,
# ***
Revdex.com of Minnesota
Attn: ***
***
S River Ridge Circle
Burnsville, MN
Re: Case # *** ***, ***
Dear Ms***,
I am writing in response to the recent inquiry that we received from your office on behalf of Ms*** *** regarding a WebBank/Gettington Credit AccountWe want to ensure Ms*** has a clear understanding of her account
Our records indicate on August 23, Ms*** purchased a McLeland Design *** 8-PcComforter Set - Queen for a total of $Ms*** chose the Gettington Fast Pay optionWith this option Ms*** is able to pay off the purchase quickly in four paymentsA faster payback will mean less interest will be charged on a customer's account
We assure Ms*** she is not being charged twice for the itemWhen Ms*** chose this option for the comforter set she was still paying off other items she has orderedWhen a customer has an existing balance on their Gettington Account, and they choose the fast pay option for one or more purchases, their minimum payments due will be additiveThis is to ensure a customer can pay off each purchase in four monthsThis may mean a higher monthly minimum payment dueShe is paying the other items using Gettington Easy PayThis option allows customer's to pay over time, in months or fewer
At this time Ms***'s balance is $The minimum amount due by December 7, is $
Thank you for allowing us to explain and assist
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 7, 2015/11/17) */
I WOULD LIKE TO COMMENT TO GETTINGTON RESPONSEI DO UNDERSTAND THE FAST PAY OPTION WOULD INCREASE MY MONTHLY PAYMENTS OF APPROX IN Addition TO WHAT I WAS ALREADY PAYINGWHAT I DID NOT UNDERSTAND IS AS IT IS CONFIRMED BY GETTINGTON, I CHOSE FAST PAY OPTION WHICH IS CORRECT, OF PAYMENTSWHEN I REVIEWED MY MONTHLY STATEMENT FOR 9-11-it shows in the summary account activity below
previous balance
payments and credits
purchases and debits
interest charges
new balance
the representative address my concerns and questions with the fast pay option; that the payments of approxwould be in addition to my monthly paymentthe same as they did in their response noted todaybut did not address the questions I have that the have been charges to the account balance in addition to charging the payments of approxto my monthly paymentsthis is the part that needs to answeredthe charge of was added to the account balance which increased my balin addition to charging to the account I am paying payments fast pay option of please explainI have printed my statement if needed I can fax it to the appropriate person handling case
Final Business Response /* (4000, 9, 2015/11/23) */
CONFIDENTIAL COMMUNICATION
November 19,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** ***, ***
Dear Ms***,
I am writing in response to the further inquiry that we received from your office on behalf of Ms*** *** regarding a WebBank/Gettington Credit Account
As we stated previously, Ms*** purchased a comforter set using the Gettington Fast Pay optionThe total of this purchase was $144.98, which was applied to the balance on her Gettington Account
As a reminder, Ms***'s account with WebBank/Gettington is a revolving credit accountAs such, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the nextThe interest is calculated based on the account's current Annual Percentage rate of 19.9% and the monthly charges will vary in relation to increases or reductions in the account balance from month to month
The monthly payments Ms*** is required to make goes toward the balance as a wholeThe additional amount for using the Gettington Fast Pay option is to pay off the purchase of the comforter setBy making payments of approximately $36.00, in addition to her regular payment, she will pay off the total amount of $
We hope this explanation satisfies any confusion Ms*** hasThank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Business Response /* (1000, 8, 2015/08/25) */
CONFIDENTIAL COMMUNICATION
August 25,
# ***
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 registration and activity is a serious matter, and we have certain procedures in place to assist those making this claimAs Ms*** states she did not authorize the account matching her name and other information, we referred this matter to our Credit Risk Department for review
They advised of finding sufficient evidence of fraud indicators on the account and have marked it accordinglyWith this determination, the account has also been closed with Ms*** being relieved of all payment obligation on the corresponding debt as of the above date
Additionally, they sent notices to have the trade-line deleted from every credit bureau where it appearedMs*** should allow to days for this update to process and see it reflecting on her credit files
We appreciate Ms*** bringing this matter to our attention, and trust these measures will meet her expectations of a satisfactory resolutionThank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 10, 2015/08/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am satisfied with the facts they found the fraud I brought to there attention and I am happy they are taking measure to ensure this is taken off my creditSince this will take to days on there end per the letter they sent to Ms***, is there any way to get proof in writing sent to me in-case I find out later on down the road that they did not keep there promise that is outlined in the letter to Ms***? Please let me know
Thanks so much Revdex.com for all your help! I just want to make sure that I don't close this out to early
Final Consumer Response /* (2000, 11, 2015/08/31) */
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
Dear Ms*** :I am in receipt of the above referenced matterPer the complainant's request, my company has ceasedall communicationAlso, we have requested of our client today, written validation of these accounts,which we will forward to the complainant as soon as we receive them.Thank you
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
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
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,
*** ***
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
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
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
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
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
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
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
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
I am rejecting this response because:The date
they are talking about is completely wrong, in which part of life does a warranty start before it's actually in your possession and able to be used by the patron, I have never heard of such a thing, I got it on the 16th of that month so that is when a warranty should start, also the time frame they say that it took for me to contact them was not my fault at all, it was their fault because they kept giving me the run a round and trying to pass the buck along to another and also with promises of return calls just to get me off the phone and extend the time even longer, that is very bad and sneaky business on their part, I did everything right but they are trying to tell me I didn't, I don't feel as though they should get away with that, how many others have they gotten with traps like that, so no I can't accept that response from them
I am rejecting this response because: Although the account was behind for 12/16, 1/17, 2/17, and 3/17- it was caught up/ current by the end of April Since receiving your response/documentation- I observed that you have been reporting my
account as late when it was in fact, current and being paid in time for May, and June. You did not address this issue and chose not to address the fact that the account was being reported inaccurately to the credit bureauI do not deny the fact that the account was paid late from 12-through April What I deny is the fact that it was paid late in May, and June 2017- which are the months that Fingerhut reported the account as being paid late and due to your unethical and incorrect reportingI was denied credit and my credit card limit was reduced. You intentionally DID NOT address this issue- your inaccurate reporting to the credit bureauWhat do you have to say about the credit report enclosed which was verified by you and reported by EQUIFAX - JUNE 8, 2017?????I also observed from your documentation that you have been charging me for safeline insurance that I was not aware that I hadI did not sign for any type of insurance and had I been offered this- I would have declined it. I have incurred numerous late fees throughout this contract when in fact- I have been paying on time since the account was brought current- How is this possible? Due to your inability to accept responsibility for your company's wrong doing- I will at this point- send all documentation and correspondence to my attorney at Frank and Rice PA- Tallahassee Florida. Thanks for your cooperation in this matter
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
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, 5, 2015/11/17) */
CONFIDENTIAL COMMUNICATION
November 16,
# ***
Revdex.com of Minnesota
Attn: ***
***
S River Ridge Circle
Burnsville, MN
Re: Case # *** ***, ***
Dear Ms***,
I am writing in response to the recent inquiry that we received from your office on behalf of Ms*** *** regarding a WebBank/Gettington Credit AccountWe want to ensure Ms*** has a clear understanding of her account
Our records indicate on August 23, Ms*** purchased a McLeland Design *** 8-PcComforter Set - Queen for a total of $Ms*** chose the Gettington Fast Pay optionWith this option Ms*** is able to pay off the purchase quickly in four paymentsA faster payback will mean less interest will be charged on a customer's account
We assure Ms*** she is not being charged twice for the itemWhen Ms*** chose this option for the comforter set she was still paying off other items she has orderedWhen a customer has an existing balance on their Gettington Account, and they choose the fast pay option for one or more purchases, their minimum payments due will be additiveThis is to ensure a customer can pay off each purchase in four monthsThis may mean a higher monthly minimum payment dueShe is paying the other items using Gettington Easy PayThis option allows customer's to pay over time, in months or fewer
At this time Ms***'s balance is $The minimum amount due by December 7, is $
Thank you for allowing us to explain and assist
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 7, 2015/11/17) */
I WOULD LIKE TO COMMENT TO GETTINGTON RESPONSEI DO UNDERSTAND THE FAST PAY OPTION WOULD INCREASE MY MONTHLY PAYMENTS OF APPROX IN Addition TO WHAT I WAS ALREADY PAYINGWHAT I DID NOT UNDERSTAND IS AS IT IS CONFIRMED BY GETTINGTON, I CHOSE FAST PAY OPTION WHICH IS CORRECT, OF PAYMENTSWHEN I REVIEWED MY MONTHLY STATEMENT FOR 9-11-it shows in the summary account activity below
previous balance
payments and credits
purchases and debits
interest charges
new balance
the representative address my concerns and questions with the fast pay option; that the payments of approxwould be in addition to my monthly paymentthe same as they did in their response noted todaybut did not address the questions I have that the have been charges to the account balance in addition to charging the payments of approxto my monthly paymentsthis is the part that needs to answeredthe charge of was added to the account balance which increased my balin addition to charging to the account I am paying payments fast pay option of please explainI have printed my statement if needed I can fax it to the appropriate person handling case
Final Business Response /* (4000, 9, 2015/11/23) */
CONFIDENTIAL COMMUNICATION
November 19,
# ***
Revdex.com of Minnesota
Attn: *** ***
S River Ridge Circle
Burnsville, MN
Re: Case # *** ***, ***
Dear Ms***,
I am writing in response to the further inquiry that we received from your office on behalf of Ms*** *** regarding a WebBank/Gettington Credit Account
As we stated previously, Ms*** purchased a comforter set using the Gettington Fast Pay optionThe total of this purchase was $144.98, which was applied to the balance on her Gettington Account
As a reminder, Ms***'s account with WebBank/Gettington is a revolving credit accountAs such, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the nextThe interest is calculated based on the account's current Annual Percentage rate of 19.9% and the monthly charges will vary in relation to increases or reductions in the account balance from month to month
The monthly payments Ms*** is required to make goes toward the balance as a wholeThe additional amount for using the Gettington Fast Pay option is to pay off the purchase of the comforter setBy making payments of approximately $36.00, in addition to her regular payment, she will pay off the total amount of $
We hope this explanation satisfies any confusion Ms*** hasThank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/KS
Initial Business Response /* (1000, 8, 2015/08/25) */
CONFIDENTIAL COMMUNICATION
August 25,
# ***
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 registration and activity is a serious matter, and we have certain procedures in place to assist those making this claimAs Ms*** states she did not authorize the account matching her name and other information, we referred this matter to our Credit Risk Department for review
They advised of finding sufficient evidence of fraud indicators on the account and have marked it accordinglyWith this determination, the account has also been closed with Ms*** being relieved of all payment obligation on the corresponding debt as of the above date
Additionally, they sent notices to have the trade-line deleted from every credit bureau where it appearedMs*** should allow to days for this update to process and see it reflecting on her credit files
We appreciate Ms*** bringing this matter to our attention, and trust these measures will meet her expectations of a satisfactory resolutionThank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 10, 2015/08/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am satisfied with the facts they found the fraud I brought to there attention and I am happy they are taking measure to ensure this is taken off my creditSince this will take to days on there end per the letter they sent to Ms***, is there any way to get proof in writing sent to me in-case I find out later on down the road that they did not keep there promise that is outlined in the letter to Ms***? Please let me know
Thanks so much Revdex.com for all your help! I just want to make sure that I don't close this out to early
Final Consumer Response /* (2000, 11, 2015/08/31) */