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
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) */
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
I am rejecting this response because:
I
have returned the entire orderI have NOT received the credit for the returned itemsThis order is over $I am NOT paying for items I do not haveI did NOT receive any e-mails from FingerhutI requested the forms twiceI find this company does NOT care about customer satisfactionIt is awful convenient that I complain about what I was charged and mysteriously the returned merchandise has disappeared!! The order made it to my address!! Where is my account credit?
Initial Business Response /* (1000, 5, 2015/06/17) */
CONFIDENTIAL COMMUNICATION
June 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
Based on the information provided in the inquiry, it is clear that it was not filed by the account holderIn the interest of customer confidentiality, we will send a response directly to the customer
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
Initial Business Response /* (1000, 10, 2015/06/17) */
CONFIDENTIAL COMMUNICATION
June 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
It is in regards to her purchase of a SwimWays Extra Large Spring Float Recline from June 20, and an Intex Twin Pillow-Rest Airbed from August 14, We regret to learn of the problems that have arisen with the items, as outlined in the inquiry
As a reminder to Ms***, our Return Policy states, in part, "You can return your purchase within days of receipt, as long as it's in new conditionReturns will not be accepted for credit or exchange after days." This policy appears under the "customer service" section on our website, in the catalog's "terms of sale" section, and on the customer's packing slip enclosed with their shipment
We did not find evidence that Ms*** ever contacted our Customer Service Department about these items prior to April 29, Consequently, neither item can be returned for credit or exchange as the 90-day maximum deadline has passedThe phone agent advised Ms*** that her best recourse was with the vendor/manufacturer, and sent proof of purchase for each item that is sometimes required when filing a warranty claim
While we sympathize with Ms***'s situation, it does not deviate from the fact that she received merchandise and is responsible for any balance still owing on it
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
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 did not
apply on-line for any account with Fingerhut - my personal information was stolen by *** ***, V, he took my stolen information (which my deceased grandmother had my personal information in her computer that *** stole it from) and applied for this account on-line with an e-mail he set up and with my deceased grandmother's ex-cell phone numberFingerhut makes no mention of the fact that they will cease and desist from trying to collect from me on this accountPlease have them amend their response to the fact that they will cease and desist any collection action against me for this unauthorized account in my name
Thank you!
I am rejecting this response because: On March 9th I sent the affidavit in for this to be investigated via email to Gettington per Gettingtons requestEmail went to Thier customer service email at 11.43am my time.I have also tried to log into my account and change the mailing address and they have placed blocks on the account so I can not change the mailing address to my current address since This whole situation is the fault of Gettington because when I placed my order I made sure my current mailing address was on the order and their website obviously failed to correct it and defaulted back to my old mailing addressI would like this to be corrected ASAP as this has damaged my credit score significantly
Full response attachedCONFIDENTIAL COMMUNICATION: Mr*** placed an order on our website and advised us he had not received itAfter multiple communications where Mr*** was advised to send return a completed affidavit to us, credit was issued for the order on March 21, Mr***
had a balance before he placed this order and is responsible for making payments on that balance and the merchandise he had previously receivedHis account balance is correct and no additional credits will be issuedMr*** should follow his billing statements for future due dates and amounts due
Full response attachedCONFIDENTIAL COMMUNICATION: Our records indicate that Ms*** set the payment schedule up herself, via our website, and chose the account the payment should be drawn fromShe was also mailed a confirmation letter that indicated the last four digits of the account number
the payment would be made from, as well as the additional details of the payment such as due date and amountOne late fee has been credited as a courtesy, but we are unable to update the credit bureau information or make any other adjustments
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.*** ** ***p.sI believe that Finger Hut's response here is a very honorable responseAnd I appreciate their honestyMy respect in this company has been restoredI certainly never wanted to cause the company any problemsIt's just that the mistake was simply not my fault, and just didn't feel that it was my responsibility to fix it
Initial Business Response /* (1000, 5, 2015/11/20) */
CONFIDENTIAL COMMUNICATION
November 20,
# ***
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 May 6, for a McLeland Design 4" Full Gel Memory Foam Topper for a total of $including shipping and handlingWe have no record of Mr*** contacting us to advise he did not receive this item until November 11,
On February 2, 2015, Mr*** placed an order for a Life Trak RBrite Fitness Watch/Activity TrackerOn February 9, 2015, Mr*** contacted us to advise he had received the Life Trak Core CActivity TrackerOn February 9, we sent a replacement order for the correct Life Trak RBrite Fitness Watch/Activity Tracker at no additional cost, to replace the incorrect item he receivedWe have no record of MrWalberg contacting us to advise he did not receive the replacement order we sent until November 11,
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 have no record of being notified of the dispute as required in writing
To further assist Mr*** with the items he did not receive, we will require a police report to be filed and a copy sent to usTo expedite, Mr*** may fax the required document to: ***, Attn: Becky or via regular mail to: *** StCloud, MN Once received we will investigate further
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (3000, 7, 2015/11/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I haven't received statements in well over a year, I don't know why the company is lying about not receiving my complaintsI reject this response and stand by my original complaintFurthermore if the company insists on refusing to refund, I would like proof of delivery showing my confirmed signature for both deliveriesAlso if they insist on using mailed statements as a defense I would also like proof of delivery of statements
Final Consumer Response /* (4200, 15, 2016/01/07) */
I contacted the company about the orders when I had not received them, they said they would need police reports, which I provided them but I haven't heard anything more from them since
Final Business Response /* (4000, 17, 2016/01/15) */
CONFIDENTIAL COMMUNICATION
January 14,
# ***
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 we have not received any police report(s) for the Memory Foam Topper or the Activity Tracker Fitness WatchAs stated previously, our investigation cannot be completed without receiving the police report for the merchandise Mr*** states he did not receive
Until such time we respectfully consider this matter closed
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
I am rejecting this response because:
I am
unaware of this account and have no verification this debt is mineI only know of this account based on it being reported in my credit report(s)As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debtHowever, in order to quickly resolve this account, I am willing to pay $50, if you agree to delete this account from any and all credit reporting agenciesPlease do not quote to me that you are unable to do this, I am aware of both your rights as well as my ownWe both know you are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agenciesThe purpose of this settlement is merely to have this item removed from all reporting agenciesWe are both aware that paying this unverified debt is no benefit to me unless we can agree on the termsI am sure you are aware that paying a collection account does not bode well on a credit report and that merely having a collection on a credit report will have a negative impact whether paid or unpaidPlease Note: This is not an acknowledgment of liability for this debt in any way or formIf there is any confusion about my position on this alleged debt, please refer back to the first paragraph of this letter in which I state: “I am unaware of this account…” That being said, let me be clear, this is NOT: a promise to pay, a renewal, an admittance to this debt, or in any way me agreeing this debt is mineThis is a restricted offer only. If you agree to these terms I will mail a certified money order for payment, and you will have deleted this account from all credit bureaus and no further contact or reportingOr sold to other companies. Thanks
Revdex.com: THEY STILL NEED TO CORRECT ALL CREDIT BUREAUS PAID IN FULL NEVER LATE!
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
CONFIDENTIAL COMMUNICATION March 17, Revdex.com of
Minnesota Attn: Ms*** *** SRiver Ridge Circle Burnsville, MN Re: *** *** 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 Mr*** states on March 9, 2017, he was attempting to place an online order and was directed to contact the Fingerhut Credit DepartmentMr*** states after the Credit Department verified his information, he was advised to speak with another department because he no longer had an available credit limitMr*** further states when he requested to speak with a supervisor, the agent told him there were none currently available but she would attempt to reach a supervisor by emailMr*** is requesting that Fingerhut fix their online system so that if an account no longer has a credit limit, that is evidentMr*** is also requesting that Fingerhut reinstate his account because they failed to address his needs A WebBank/Fingerhut FreshStart Installment Loan account ending in *** was opened on August 18, when an application for credit was completed onlineThe name and address on the application is the same one provided when contacting us regarding this issueA purchase was placed on September 12, for a Canon Pixma Wireless Inkjet All-in-One Printer On December 17, 2014, after successful completion of the Fingerhut FreshStart program, Mr*** graduated to a Fingerhut revolving credit account ending in ***A purchase was placed on March 19, for a Shark Professional Navigator Lift Away Vacuum Fingerhut received payments processed with a Visa debit card ending in *** in the name *** ***The final payment of $received on August 10, paid Mr***’s balance in full According to public record, Mr*** filed Chapter bankruptcy on November 18, with a standard discharge date of February 21, Fingerhut was notified of Mr***’s bankruptcy on December 1, and his account was closed due to bankruptcyFingerhut reported Mr***’s account to the credit bureaus as closed due to Bankruptcy with a balance of zero If Mr*** logs onto Fingerhut.com to view his account, the account information is still visible because he has the right to review itWhen Mr*** attempted to place an order, he was directed to contact Fingerhut for more information about his account Please note we are required by law to retain all consumer information in a secured fashion for twenty-five monthsAs such, we are unable to remove Mr***’s information from our system as requestedNeither are we able to comply with Mr***’s request to reopen his account as his social security number is associated with an account that was closed due to his Chapter bankruptcy We have placed Mr*** on the Do Not Solicit listPlease allow four to six weeks to stop receiving all mailings as our mail lists are printed in advance The March 9, phone call with the bankruptcy department in which Mr*** makes reference to in his complaint was reviewedBased on our review of the call recording, the agent was professional and helpful in her interactionsThe agent attempted to contact a supervisor when Mr*** requested one, but no one was currently availableThe agent stated she would send an email for a Supervisor call back and Mr*** replied that he wanted to be called back within days or he would file a lawsuitThe call ended abruptly with the agent still on the line. According to our records, a supervisor’s attempts to contact Mr*** on Thursday, March 9, and Monday, March 13, were unsuccessfulThere is no record of Mr*** returning the calls According to an account review on March 17, 2017, Equifax, Experian and Trans Union are reporting Mr***’s account accurately as Closed at Grantor’s Request by reason of Chapter bankruptcy. We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in 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 well Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/lg
Full Response AttachedCONFIDENTIAL COMMUNICATION: Ms***'s order for the merchandise she wanted didn't contain the correct item number, and so she did not receive the headboardWe've initiated paid return labels with UPS and will ensure full credit is issued once we receive the merchandise
back
I am rejecting this response because:
I was never told that it would continue to accrue interest and late paymentsIf the records and notes are made on my account, am I not entitles to see those records? They are regarding my account
CONFIDENTIAL COMMUNICATION April 13, Revdex.com of
Minnesota Attn: Ms*** *** SRiver Ridge Circle Burnsville, MN Re: Ms*** *** Case #: *** Dear Ms***, I am writing in response to an inquiry received from your office on behalf of Ms*** ***, regarding her WebBank/Fingerhut Credit Account Ms*** states she was told that in order to pay her WebBank/Fingerhut credit account off, that she needed to mail a payment in full to FingerhutMs*** mailed a cashier’s check on February 27, for the full amountMs*** further states that she has been calling for over month and was advised we did not have the checkMs***’s desired resolution is to have her account and credit bureau reporting showing it was paid in full Our records indicate that Ms***’s account was closed on January 8, after notification from the court that Ms*** had filed a Chapter BankruptcyThe bankruptcy was dismissed on May 16, There was a balance on the account of $1,at this time Based on the additional information provided by Ms***, we were able to locate Ms***’s cashier’s check from March 1, Due to the fact that her account did not convert to our new systems the payment did not reflect on her account We have sent an electronic update to all three credit bureaus to update the status to a “Charge Off Paid in Full” (Ref#: ***)Please allow to days for the credit bureaus to update their records We sincerely apologize for any inconvenience this may have caused Ms*** Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/ddj
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
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) */
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
I am rejecting this response because:
I
have returned the entire orderI have NOT received the credit for the returned itemsThis order is over $I am NOT paying for items I do not haveI did NOT receive any e-mails from FingerhutI requested the forms twiceI find this company does NOT care about customer satisfactionIt is awful convenient that I complain about what I was charged and mysteriously the returned merchandise has disappeared!! The order made it to my address!! Where is my account credit?
Initial Business Response /* (1000, 5, 2015/06/17) */
CONFIDENTIAL COMMUNICATION
June 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
Based on the information provided in the inquiry, it is clear that it was not filed by the account holderIn the interest of customer confidentiality, we will send a response directly to the customer
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
Initial Business Response /* (1000, 10, 2015/06/17) */
CONFIDENTIAL COMMUNICATION
June 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
It is in regards to her purchase of a SwimWays Extra Large Spring Float Recline from June 20, and an Intex Twin Pillow-Rest Airbed from August 14, We regret to learn of the problems that have arisen with the items, as outlined in the inquiry
As a reminder to Ms***, our Return Policy states, in part, "You can return your purchase within days of receipt, as long as it's in new conditionReturns will not be accepted for credit or exchange after days." This policy appears under the "customer service" section on our website, in the catalog's "terms of sale" section, and on the customer's packing slip enclosed with their shipment
We did not find evidence that Ms*** ever contacted our Customer Service Department about these items prior to April 29, Consequently, neither item can be returned for credit or exchange as the 90-day maximum deadline has passedThe phone agent advised Ms*** that her best recourse was with the vendor/manufacturer, and sent proof of purchase for each item that is sometimes required when filing a warranty claim
While we sympathize with Ms***'s situation, it does not deviate from the fact that she received merchandise and is responsible for any balance still owing on it
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
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 did not
apply on-line for any account with Fingerhut - my personal information was stolen by *** ***, V, he took my stolen information (which my deceased grandmother had my personal information in her computer that *** stole it from) and applied for this account on-line with an e-mail he set up and with my deceased grandmother's ex-cell phone numberFingerhut makes no mention of the fact that they will cease and desist from trying to collect from me on this accountPlease have them amend their response to the fact that they will cease and desist any collection action against me for this unauthorized account in my name
Thank you!
I am rejecting this response because: On March 9th I sent the affidavit in for this to be investigated via email to Gettington per Gettingtons requestEmail went to Thier customer service email at 11.43am my time.I have also tried to log into my account and change the mailing address and they have placed blocks on the account so I can not change the mailing address to my current address since This whole situation is the fault of Gettington because when I placed my order I made sure my current mailing address was on the order and their website obviously failed to correct it and defaulted back to my old mailing addressI would like this to be corrected ASAP as this has damaged my credit score significantly
Full response attachedCONFIDENTIAL COMMUNICATION: Mr*** placed an order on our website and advised us he had not received itAfter multiple communications where Mr*** was advised to send return a completed affidavit to us, credit was issued for the order on March 21, Mr***
had a balance before he placed this order and is responsible for making payments on that balance and the merchandise he had previously receivedHis account balance is correct and no additional credits will be issuedMr*** should follow his billing statements for future due dates and amounts due
Full response attachedCONFIDENTIAL COMMUNICATION: Our records indicate that Ms*** set the payment schedule up herself, via our website, and chose the account the payment should be drawn fromShe was also mailed a confirmation letter that indicated the last four digits of the account number
the payment would be made from, as well as the additional details of the payment such as due date and amountOne late fee has been credited as a courtesy, but we are unable to update the credit bureau information or make any other adjustments
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.*** ** ***p.sI believe that Finger Hut's response here is a very honorable responseAnd I appreciate their honestyMy respect in this company has been restoredI certainly never wanted to cause the company any problemsIt's just that the mistake was simply not my fault, and just didn't feel that it was my responsibility to fix it
Initial Business Response /* (1000, 5, 2015/11/20) */
CONFIDENTIAL COMMUNICATION
November 20,
# ***
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 May 6, for a McLeland Design 4" Full Gel Memory Foam Topper for a total of $including shipping and handlingWe have no record of Mr*** contacting us to advise he did not receive this item until November 11,
On February 2, 2015, Mr*** placed an order for a Life Trak RBrite Fitness Watch/Activity TrackerOn February 9, 2015, Mr*** contacted us to advise he had received the Life Trak Core CActivity TrackerOn February 9, we sent a replacement order for the correct Life Trak RBrite Fitness Watch/Activity Tracker at no additional cost, to replace the incorrect item he receivedWe have no record of MrWalberg contacting us to advise he did not receive the replacement order we sent until November 11,
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 have no record of being notified of the dispute as required in writing
To further assist Mr*** with the items he did not receive, we will require a police report to be filed and a copy sent to usTo expedite, Mr*** may fax the required document to: ***, Attn: Becky or via regular mail to: *** StCloud, MN Once received we will investigate further
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (3000, 7, 2015/11/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I haven't received statements in well over a year, I don't know why the company is lying about not receiving my complaintsI reject this response and stand by my original complaintFurthermore if the company insists on refusing to refund, I would like proof of delivery showing my confirmed signature for both deliveriesAlso if they insist on using mailed statements as a defense I would also like proof of delivery of statements
Final Consumer Response /* (4200, 15, 2016/01/07) */
I contacted the company about the orders when I had not received them, they said they would need police reports, which I provided them but I haven't heard anything more from them since
Final Business Response /* (4000, 17, 2016/01/15) */
CONFIDENTIAL COMMUNICATION
January 14,
# ***
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 we have not received any police report(s) for the Memory Foam Topper or the Activity Tracker Fitness WatchAs stated previously, our investigation cannot be completed without receiving the police report for the merchandise Mr*** states he did not receive
Until such time we respectfully consider this matter closed
Thank you for allowing us to assist and explain
Sincerely,
Vi ***
Executive Care Team
VF/bw
I am rejecting this response because:
I am
unaware of this account and have no verification this debt is mineI only know of this account based on it being reported in my credit report(s)As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debtHowever, in order to quickly resolve this account, I am willing to pay $50, if you agree to delete this account from any and all credit reporting agenciesPlease do not quote to me that you are unable to do this, I am aware of both your rights as well as my ownWe both know you are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agenciesThe purpose of this settlement is merely to have this item removed from all reporting agenciesWe are both aware that paying this unverified debt is no benefit to me unless we can agree on the termsI am sure you are aware that paying a collection account does not bode well on a credit report and that merely having a collection on a credit report will have a negative impact whether paid or unpaidPlease Note: This is not an acknowledgment of liability for this debt in any way or formIf there is any confusion about my position on this alleged debt, please refer back to the first paragraph of this letter in which I state: “I am unaware of this account…” That being said, let me be clear, this is NOT: a promise to pay, a renewal, an admittance to this debt, or in any way me agreeing this debt is mineThis is a restricted offer only. If you agree to these terms I will mail a certified money order for payment, and you will have deleted this account from all credit bureaus and no further contact or reportingOr sold to other companies. Thanks
Revdex.com: THEY STILL NEED TO CORRECT ALL CREDIT BUREAUS PAID IN FULL NEVER LATE!
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Response is satisfactoryAdditional documentation to be provided
CONFIDENTIAL COMMUNICATION March 17, Revdex.com of
Minnesota Attn: Ms*** *** SRiver Ridge Circle Burnsville, MN Re: *** *** 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 Mr*** states on March 9, 2017, he was attempting to place an online order and was directed to contact the Fingerhut Credit DepartmentMr*** states after the Credit Department verified his information, he was advised to speak with another department because he no longer had an available credit limitMr*** further states when he requested to speak with a supervisor, the agent told him there were none currently available but she would attempt to reach a supervisor by emailMr*** is requesting that Fingerhut fix their online system so that if an account no longer has a credit limit, that is evidentMr*** is also requesting that Fingerhut reinstate his account because they failed to address his needs A WebBank/Fingerhut FreshStart Installment Loan account ending in *** was opened on August 18, when an application for credit was completed onlineThe name and address on the application is the same one provided when contacting us regarding this issueA purchase was placed on September 12, for a Canon Pixma Wireless Inkjet All-in-One Printer On December 17, 2014, after successful completion of the Fingerhut FreshStart program, Mr*** graduated to a Fingerhut revolving credit account ending in ***A purchase was placed on March 19, for a Shark Professional Navigator Lift Away Vacuum Fingerhut received payments processed with a Visa debit card ending in *** in the name *** ***The final payment of $received on August 10, paid Mr***’s balance in full According to public record, Mr*** filed Chapter bankruptcy on November 18, with a standard discharge date of February 21, Fingerhut was notified of Mr***’s bankruptcy on December 1, and his account was closed due to bankruptcyFingerhut reported Mr***’s account to the credit bureaus as closed due to Bankruptcy with a balance of zero If Mr*** logs onto Fingerhut.com to view his account, the account information is still visible because he has the right to review itWhen Mr*** attempted to place an order, he was directed to contact Fingerhut for more information about his account Please note we are required by law to retain all consumer information in a secured fashion for twenty-five monthsAs such, we are unable to remove Mr***’s information from our system as requestedNeither are we able to comply with Mr***’s request to reopen his account as his social security number is associated with an account that was closed due to his Chapter bankruptcy We have placed Mr*** on the Do Not Solicit listPlease allow four to six weeks to stop receiving all mailings as our mail lists are printed in advance The March 9, phone call with the bankruptcy department in which Mr*** makes reference to in his complaint was reviewedBased on our review of the call recording, the agent was professional and helpful in her interactionsThe agent attempted to contact a supervisor when Mr*** requested one, but no one was currently availableThe agent stated she would send an email for a Supervisor call back and Mr*** replied that he wanted to be called back within days or he would file a lawsuitThe call ended abruptly with the agent still on the line. According to our records, a supervisor’s attempts to contact Mr*** on Thursday, March 9, and Monday, March 13, were unsuccessfulThere is no record of Mr*** returning the calls According to an account review on March 17, 2017, Equifax, Experian and Trans Union are reporting Mr***’s account accurately as Closed at Grantor’s Request by reason of Chapter bankruptcy. We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in 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 well Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/lg
Full Response AttachedCONFIDENTIAL COMMUNICATION: Ms***'s order for the merchandise she wanted didn't contain the correct item number, and so she did not receive the headboardWe've initiated paid return labels with UPS and will ensure full credit is issued once we receive the merchandise
back
I am rejecting this response because:
I was never told that it would continue to accrue interest and late paymentsIf the records and notes are made on my account, am I not entitles to see those records? They are regarding my account
CONFIDENTIAL COMMUNICATION April 13, Revdex.com of
Minnesota Attn: Ms*** *** SRiver Ridge Circle Burnsville, MN Re: Ms*** *** Case #: *** Dear Ms***, I am writing in response to an inquiry received from your office on behalf of Ms*** ***, regarding her WebBank/Fingerhut Credit Account Ms*** states she was told that in order to pay her WebBank/Fingerhut credit account off, that she needed to mail a payment in full to FingerhutMs*** mailed a cashier’s check on February 27, for the full amountMs*** further states that she has been calling for over month and was advised we did not have the checkMs***’s desired resolution is to have her account and credit bureau reporting showing it was paid in full Our records indicate that Ms***’s account was closed on January 8, after notification from the court that Ms*** had filed a Chapter BankruptcyThe bankruptcy was dismissed on May 16, There was a balance on the account of $1,at this time Based on the additional information provided by Ms***, we were able to locate Ms***’s cashier’s check from March 1, Due to the fact that her account did not convert to our new systems the payment did not reflect on her account We have sent an electronic update to all three credit bureaus to update the status to a “Charge Off Paid in Full” (Ref#: ***)Please allow to days for the credit bureaus to update their records We sincerely apologize for any inconvenience this may have caused Ms*** Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/ddj