CONFIDENTIAL COMMUNICATION April 11, Revdex.com of
Minnesota Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, I am writing in response to an inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Gettington credit accountMs*** states she entered into an approved Consumer Credit Counseling Service (CCCS) program with Gettington and her account was reported negatively while in the programMs*** further states she contacted Gettington numerous times to have the accounts past due status removedMs***’s desired resolution is to have the negative reporting removedOur records indicate that on October 10, 2011, an application for credit was processed online using Ms***’s name, address and social security numberAn order was placed the same day with a representative for an Acer Iconia 10" 16GB Android Honeycomb TabletThe merchandise was shipped October 11, via FedEx to the same address as provided on the applicationThe last order, totaling $60.46, was placed on February 17, We have received multiple payments on this account from a checking account ending in in the name of *** ***The last payment was received on November 4, totaling $Our research indicates that Ms*** was set up on an approved CCCS program, for sixty months at $per month through American Consumer Credit, on May 19, Ms*** was dropped from the CCCS program on January 23, for non-paymentCustomers use CCCS arrangements to work with creditors to repay their debtsSome of the benefits customers enjoy through CCCS arrangements include lower interest rates, waiver of late fees and lower monthly paymentsWhile in the CCCS program accounts will report to the credit bureau as “paying under partial payment agreement”The unpaid balance of $charged off on April 16, and the account was sold to Jefferson Capital on April 30, An account review completed on April 6, confirms the credit bureaus are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zeroWe 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 Ms***’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 Ms*** has questions about what Jefferson Capital Services may be reporting, she may contact them directly at ###-###-####Thank you for the opportunity to explainSincerely, Kari *** Executive Care Team KD/sa
I am rejecting this response because:
THIS HAS NOTHING TO DO WITH ELECTRONICS, STEREOS, OR ANY OTHER, DEFECTIVE CRAP THEY LISTED, THEY KNEW FULL WELL, THEY EXCHANGED THE BLACK DEFECTIVE COMFORTER FOR ANOTHER GREY DEFECTIVE COMFORTER, LIKE ANY OTHER SCAM,LOUSY COMPANY ONCE THEY GOT YOUR MONEY THEY CAN MAKE UP ANY EXCUSE TO REFUSE A 2NDCOMPLAINT FOR CRAPPY,DEFECTIVE JUNK THEY SELL---FINGER HUT CAN GO TO HELL!!!!!!!!!!!!!
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
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
CONFIDENTIAL COMMUNICATION December 29, Revdex.com of
Minnesota Attn: Ms*** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, We are writing in response to an inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut credit account ending in ***We have included a statement of account activity and a copy of the Terms & Conditions Ms*** states that her Fingerhut account was paid in full prior to account being sold to another lender and the account is being reported incorrectly to the credit bureaus. Ms***’s desired resolution is to have the account report correctly to all three credit bureaus On August 24, 2012, an application was processed online using Ms***’s personally identifiable informationOn April 19, 2013, an order was placed online for a Barberry Queen 9pc Comforter SetThe merchandise was shipped via FedEx to the same address as on the applicationThe most recent purchase, totaling $83.98, was placed on May 31, We have received multiple payments on this account from a checking account ending in *** shown in the name of *** ***The last payment, totaling $20.00, was received on November 7, The unpaid balance of $charged off on February 8, Please note once an account charges off, it is subject to be soldThe account no longer qualifies for payment plans or settlements; the entire balance is due Our records reflect that four payments made online February 10, 13, 17, 25, 2015, totaling $115.24, were insufficient to pay the account in fullThe account was sold to *** ***l on February 27, Fingerhut no longer collects or owns the account Since the account was sold to *** ***l, the payments made on March 4, 8, 13, 18, 25, and 27; and April 1, were received after the account was sold and have been forwarded to the account owner, *** ***l According to an account review completed on December 22, 2016, Equifax, Experian and Trans Union are accurately reporting the account as “Transfer/Sold” and/or “Purchased by Another Lender” with a balance of zero We cannot revise any 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 your Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Ms*** has questions about what *** ***l may be reporting, she may contact them directly at ###-###-#### Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/sa Enclosures
Initial Business Response /* (1000, 5, 2015/07/09) */
CONFIDENTIAL COMMUNICATION
July 9,
Revdex.com of Minnesota
Attn: *** ***
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 and a WebBank/Gettington Credit AccountEnclosed are copies of correspondence sent to Mr*** and the Fingerhut and Gettington credit applications
Mr*** states that he has contacted WebBank/Fingerhut and WebBank/Gettington and both companies refuse to remove illegal unauthorized inquiries from his credit reportMr*** also states neither company has responded to his requests to verify what permissible purpose they had to pull his credit reportMr*** states he would like the inquiries removed from his credit report because the applications were processed without his authorization
According to our records, on March 12, 2015, two applications were processed online for credit with WebBank/Fingerhut and WebBank/GettingtonThe name and address on both accounts is the same as Mr*** has provided regarding this issue
One order was placed on each account for a pair of athletic shoesThe merchandise was delivered by the United States Postal Service to the address on the applications
Gettington and Fingerhut have received multiple requests from Mr*** to remove the alleged unauthorized inquiriesAccording to our records, a total of eight letters have been mailed to Mr***, five from Fingerhut and three from GettingtonThe first letter was sent on April 1,
A total of five payments have been received on the two accounts from a Visa and MasterCard debit card in the name *** ***
According to the notes on both accounts, Mr*** called on June 4, stating the accounts were unauthorized, but should not have been closedHe was advised by a Fingerhut agent that his account was closed due to a written cease and desist received on April 30,
Since an application was received and approved, an inquiry will show on Mr***' credit report; we cannot remove the inquiry at this time
If Mr*** has any further questions or concerns, he can contact the Fraud Department at ***Their hours are Monday - Friday 8:00am - 4:30pm Central Time
As no new information has been provided, we consider this matter closedThank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/lg
Enclosures
Initial Consumer Rebuttal /* (2000, 12, 2015/07/24) */
Complaint has not been resolved as of 7/23/Thank you
I am rejecting this response because, they are not doing what is right. They received the products back and still won't credit my account and close it as I instructed. They will not work with my daughter at all, I gave them the right to deal with her, she has my power of attorney, as I can no longer hear well, and do not understand the dealings of this or any situation. I am unable to take care of my affairsMy daughter is writing this for meI want this account closed and the credit to be applied.*** ***
CONFIDENTIAL COMMUNICATIONMay 4, 2016Revdex.com of Minnesota Attn: *** ***SRiver Ridge CircleBurnsville, MN 55337Re: *** ***Case #: ***Dear Ms***,I am writing in response to an additional inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Gettington Credit AccountMs*** states she does not accept Gettington’s previous response dated April 19, because she doesn’t believe Gettington tried to reach her by phoneMs*** also states Gettington’s terms are unjust because she made a payment before February 22, 2016, yet Gettington reported her delinquent when her husband reversed the payment in March 2016. Ms*** states she will be closing her accountAs stated in our previous response, Ms*** made a payment for $on February 8, which was reversed by her bank on March 23, If a payment is reversed, it is the equivalent of having never been receivedThe February 8, payment was reversed, therefore, there was no permanent payment secured by February 22, 2016. When the payment reversed, Ms***’s Gettington account was considered delinquent as of February 23, The reporting date on Ms***’s account is the twenty-sixth each monthOn March 26, 2016, no payment had been received for February 22, or March 22, 2016, so the account was reported thirty days delinquentThe day after the payment was reversed, March 24, 2016, Gettington attempted to contact Ms*** at each of the three numbers on her account. According to our records, Gettington dialed the number ###-###-#### at 9:49am and the number ###-###-#### at 12:45pm pm on March 24, Ms*** states the third number on her account is no longer her phone number.According to an account review on April 13, 2016, the bureaus are reporting accuratelyWe 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 Ms***’s terms and conditions which states:“We may report information about your Account to credit bureausLate payments, missed payments, or other defaults on your Account may be reflected in your credit report.”If Ms*** still has questions about her account regarding what has or has not been reported to the credit bureaus, please contact us by calling toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Standard Time.If Ms*** would like to close her account she may contact us at ###-###-#### for assistance.Thank you for allowing us to explain.Sincerely,Kari ***Executive Care TeamKD/lg
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 have reviewed my account and it has not come to a zero balanceI will go ahead and attach the documentsI would like my account to come to a zero balance. Thank you,V/r***
Initial Business Response /* (1000, 5, 2015/08/20) */
August 19,
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
Ms*** claims that she did not receive the Dog Trainer Remote and Collar that was ordered on June 1, Our records indicate that the item was delivered on June 4, with a tracking number of ***
When a customer states they have not received the merchandise ordered, Fingerhut has policies and procedures in place in order to conduct an investigationOur records indicate that an affidavit of "non-receipt of merchandise" was sent to Ms*** on June 29, 2015, July 31, and August 18, To date we have not received the completed affidavit
Ms***'s account is a revolving account, which means there is a required minimum amount due each monthLate fees accrue on an account if we receive payments past the scheduled due date or if the payment received has not met the required amount dueLate fees are explained in the Terms and Conditions she accepted when she opened the accountOur Payment Department will phone our customers with payment reminders when a payment is not received by the due date
Additionally, the customer has an item that was ordered on March 4, that she is responsible forMs*** should continue to make her minimum payments until the investigation is completeAt this time, the minimum amount is $due September 3,
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
Initial Consumer Rebuttal /* (3000, 7, 2015/08/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I absolutely do not accept the response by Ms*** on behalf of Bluestem Brands/FingerhutShe did not address the issue'sThis company received written documentation that was sent via certified mail with return receipt requestedI have stated more than once that I did not receive the item that I ordered from this companyYet it has been implied that I am either lying or that I have stolen the merchandise by others that I have communicated withThis company seems to believe that it is beyond the lawsI have stated more than once that the 'affidavit' is not a legal binding documentThis company is fully capable of investigating my 'claim' that I did not receive the item with or without the 'affidavit'I demand that they do soI have been subjected to defamation and discrimination by the actions and words of more than one representative of this companyI now demand that MS*** provide the informationMs*** failed to address the fraudulent information that has been placed on my credit report/filesMs*** 'claims' the company has not received the documentation required to investigate my claimThis is a bald faced lie! As previously state I have made a monthly payments on this account for the item that I did receiveI refuse to make payments that include an amount for an item that I have not received! Ms*** claims that their are charges for late fee'sThis late fee's are a direct result of charges on this account for the item that I did not receiveAdditionally, my due date was arbitrarily changed without notice, following my first complaint/dispute regarding the charges
This company is so concerned with any issue that I may or may not have encountered with the US postal serviceYet, how many items have been returned to this company and this company has denied the receipt of the item? Yet, this company has implied that I am lyingIt has also been implied that I may have received the item and in some way benefitted monetarily from this itemIn other words, I have been accused of 'possibly' selling the itemIt has been suggested that I need to be concerned that this may be turned over to the company's "legal" departmentSo that there is no mistake, I am not going to sit here and quiver with fear, over that implied threatIn fact, I will look forward to meeting with someone from the fingerhut legal departmentI fully expect Ms*** to provide ALL of the requested information immediately!
Final Business Response /* (4000, 12, 2015/09/08) */
CONFIDENTIAL COMMUNICATION
September 3,
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
Please understand that when a customer tells us that he/she did not receive an item, we take this issue very seriously and do not mean to imply that the customer is lying when we request an affidavit to be submitted.S
As explained previously, when a customer states they have not received the merchandise ordered, Fingerhut has policies and procedures in place in order to conduct a thorough investigation and ensure the account is handled appropriatelyBecause we have not received the compelted affidavit from Ms***, we have unfortunately been unable to proceed with the investigation
If Ms*** is able to obtain a paper copy of a police report, she should mail this along with the completed and signed affidavit to Fingerhut: Ridgewood Road StCloud MN or fax to ***If she is unable to obtain a paper copy, she should include the officer's name and badge number along with the case or file number for the police report on the affidavit
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm
Initial Business Response /* (1000, 5, 2015/07/16) */
CONFIDENTIAL COMMUNICATION
July 16,
# ***
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
We regret to learn of the problem Ms*** has experienced with the Captain's Bed with Trundle & Storage Drawers that she purchased on September 26, A two-year Extended Service Plan (ESP) was also purchased for additional coverage on itThe ESP provider is National Extended Warranty (NEW)
We recently obtained records of the interactions that NEW has had with Ms*** regarding the bedThey advised that Ms*** telephoned on July 7, notifying that the manufacturer warranty provider was unable to assist herFor this reason, NEW opened a claim under Ms***'s plan as it is currently in effect and eligible for claims processingMs*** was advised to provide them a photo of the bed to be used in determining the eligibility of her claim
She next telephoned them on July 15, as to the status of her claim, and the agent advised that it was still pending and awaiting the photo that was previously requested
Ms*** should continue to work with NEW in this matter, as the bed can no longer be returned to us for being beyond the maximum 90-day timeframe of our return policyWe appreciate her patience and ongoing cooperation with NEW
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2015/07/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response simply because if something is sold that is poorly made and it is endangering a child, the company should honor the fact that a replacement is deemed necessaryAs I said before, I'm not trying to take away business from anyone, I just want restitution for the unjustifiable situation that I am facingI am in fact working with NEW but as I stated before, if there is no one to help me and I'm continuously getting the runaround, some actions need to take place as a valued customer
Final Business Response /* (4000, 9, 2015/07/27) */
CONFIDENTIAL COMMUNICATION
July 27,
# ***
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*** ***
Ms*** is a valued customer and we realize the frustration associated with the situation
Please understand that applying policies consistently and fairly to all customers is among our top prioritiesAs stated in our previous response, the warranty claim on Ms***'s Captain's Bed is being administered by National Extended WarrantyThis is because it did not meet the terms of our return policy (after 90-day return period)
Our return policy is being applied to Ms*** the same as it would for any other customer with similar circumstances
As all aspects of Ms***'s claim are now entirely within the confines of the warranty provider and beyond our purview, we consider this matter closed; Ms***'s best recourse is to continue working with NEW
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
I am rejecting this response because: My biggest issue was not addressed I was told by a supe I could call back and get the payment planAlso this company is fraud my account balance should be $if that there should have not been interest when I was under safelineThis was told to me many times however I have had to fight with this company to even allow me to make payments I will likely be sueing
Full response attachedCONFIDENTIAL COMMUNICATION: Ms*** has not submitted a benefit application to SafeLine for unemployment at this timeShe has previously submitted and been approved in the past for different reasonsMs*** has canceled her SafeLine enrollment, but has days from the
date of cancellation to submit a fully completed benefit application if she choosesShe may also contact our billing department if she would like to discuss a payment plan
CONFIDENTIAL COMMUNICATION ** *** *** Jessup, Pennsylvania 18434-1833 November 9,
Revdex.com Attn: *** *** S River Ridge Circle Burnsville, MN Re: *** *** ID # *** Dear Ms***, We are writing in response to an inquiry received from your office on behalf of *** *** regarding a Haband internet order. Ms*** states that she placed an order on Haband’s website two years ago. She was asked if she wanted to enroll in Haband’s VIP Plus program for $14.95. She was not aware that it was a monthly fee until recently. She called Haband’s VIP Plus Team and they agreed to give her a refund for one year of the membership. They also said they would have someone contact her to get the full amount refunded. She states that she was billed for a VIP club on a monthly fee without notifying her. Our records indicate that while placing an a web order on November 14, for multiple articles of clothing, Ms*** was presented with an offer to accept a membership in our Haband VIP Plus program. The offer included a gift code number representing $off your next Haband purchase compliments of Haband VIP Plus To enroll in this program, the customer must click on the applicable banner ad and is taken to a landing page that fully describes the term and benefits of Haband VIP Plus. Within the Offer Details section, the customer is advised that they may activate a membership in VIP Plus and claim a $gift code to apply to their next Haband purchase and start enjoying the benefits of VIP Plus for the next days A nominal activation fee of $is billed by Haband VIP Plus to the credit card used on the Haband order. After the first days the membership automatically continues for a monthly $membership fee, billed by Haband VIP Plus, to the same credit card used on the Haband Order transaction unless the customer requests to cancel the membership. Cancellation may be made at any time with no further obligation. The VIP Plus membership was cancelled on September 2, 2016. One refund of $was issued on the same date. refunds of $were issued on September 7, 2016, refunds of $and one refund of $were issued on November 7, 2016. These refunds were all issued back to the credit card in which the payments were originally applied. The additional monthly fees of $each were issued in the form of a refund check for $on November 8, 2016. If Ms*** has any further questions or concerns, she may contact Haband VIP Plus directly at ###-###-#### Thank you for allowing us to explain Sincerely, Lea *** Haband Customer Service Bluestem Brands, Inc
I am rejecting this response because: The
statements of facts are False.No one asked or gave any explanations as to a Do Not Call being placed on my account, nor did I ever Request suchI stated that the times fingerhut calls me, I am unavailable during those hours, I also stated repeatedly that reps can call but they will get my voicemail. In regards to the online account access, #this was placed on my account after the Christmas, in fact, in January well after speaking with several representatives and supervisors after updating my phone number, AGAIN, NO ONE INFORMED ME OF THIS DURING ANY CALLSThe mere fact that this company refuses to take responsibility for their mishaps as well as continue to falsify statements is very bias, rude, and annoying. When calling in after other rude incidents, I finally spoke with Brian who like other representatives, seems to not understand or comprehend wellI explained my situation, he refused to give me his manager, he stated he needed to verify the information they have and my last four of my socialI verified suchHe stated he could not assist me any further, he did not note my account as requested to state I would verify my last four just not my whole social as I do not want my credit ranBrian called at 6:am PST the very next day after I informed him of times that are good for me.The representative are rude, bias, non informed of consumers credit rightsI am not accepting this company's response due to credit violations, lies, deceptive practices, tampering with my account without my knowledge, and no resolution offered for my terrible experiencesFingerhut needs to remove the do not call placed on my account as I did not request such and have not been provided with legal documents supporting this requestI have a charge account, to charge, these reps do not disclose how they are noting customers accounts nor do customers know what is being noted, such as in this case, Brian and other representatives deceptively noted my account without informing myselfUntil apologies are given properly, addressing every issue and repeated abuse, I want this complaint to remain as unresolved and on recordMy online account access needs to be corrected and my account needs to be reimbursed for the fdcpa violationsUNRESOLVED/UNSATISFIED/FAILED TO VERIFY
Initial Business Response /* (1000, 5, 2015/10/28) */
Customer has been refunded the full purchase price of the dehumidifier and extended warranty, and will also receive a refund check for the payments she has made towards the item
Initial Consumer Rebuttal /* (2000, 6, 2015/10/29) */
CONFIDENTIAL COMMUNICATION May 31, Revdex.com of Minnesota Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: Ms*** *** Case #: *** Dear Ms***, I am writing in response to a second inquiry received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Credit AccountMs*** states in her complaint that, even though she made a settlement payment of $on April 8, which was the full amount of what the collection agency offered her, she is still receiving collection callsMs***’s desired resolution is to remove the account from her credit report. As stated in our initial response, the WebBank/Fingerhut credit account ending in was opened on September 12, when an application for credit was processed onlineThe first order was placed on September 27, for a Magnavox 24" 720p LED TVThe merchandise was shipped by UPS Ground to the address provided on the applicationTwo payments were received on this accountThe last payment of $was received online November 27, with a checking account ending in The unpaid balance of $1,charged off on June 29, and the account was sold to Jefferson Capital on August 4, An account review on May 20, confirmed that the credit bureaus are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance and past due of zeroWe 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 Ms***’ 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 wellOn May 23, Jefferson Capital confirmed that Ms***’ account was updated to a settlement statusIf Ms*** has any additional questions or concerns, she must contact Jefferson Capital directly at ###-###-####Thank you for allowing us to explainSincerely, Kari *** Executive Care Team KD/sjj *** ** *** ***
Initial Business Response /* (1000, 5, 2015/12/21) */
CONFIDENTIAL COMMUNICATION
December 21,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: ***
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 that she paid off her Fingerhut credit account in July and she would like her credit report updated to current as of July
According to our records, Ms***' Fingerhut account reports to the credit bureaus after the nineteenth each monthOn July 19, 2015, the balance on her account was $63.24, with a past due of $The account was accurately reported as ninety days late, as only one payment for $had been received since February 15,
On July 20, 2015, a $payment was receivedThe remaining balance of $was paid in full on August 11,
Ms***' account is accurately reporting as current with a balance of zero, as of August 19,
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 Ms***' 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
Ms***' account was closed per customer request on December 11, and will be reported to the bureaus as closed after December 19, Please allow up to thirty days for the credit bureaus to update this information
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/lg
Initial Consumer Rebuttal /* (2000, 7, 2016/01/04) */
CONFIDENTIAL COMMUNICATION April 11, Revdex.com of
Minnesota Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, I am writing in response to an inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Gettington credit accountMs*** states she entered into an approved Consumer Credit Counseling Service (CCCS) program with Gettington and her account was reported negatively while in the programMs*** further states she contacted Gettington numerous times to have the accounts past due status removedMs***’s desired resolution is to have the negative reporting removedOur records indicate that on October 10, 2011, an application for credit was processed online using Ms***’s name, address and social security numberAn order was placed the same day with a representative for an Acer Iconia 10" 16GB Android Honeycomb TabletThe merchandise was shipped October 11, via FedEx to the same address as provided on the applicationThe last order, totaling $60.46, was placed on February 17, We have received multiple payments on this account from a checking account ending in in the name of *** ***The last payment was received on November 4, totaling $Our research indicates that Ms*** was set up on an approved CCCS program, for sixty months at $per month through American Consumer Credit, on May 19, Ms*** was dropped from the CCCS program on January 23, for non-paymentCustomers use CCCS arrangements to work with creditors to repay their debtsSome of the benefits customers enjoy through CCCS arrangements include lower interest rates, waiver of late fees and lower monthly paymentsWhile in the CCCS program accounts will report to the credit bureau as “paying under partial payment agreement”The unpaid balance of $charged off on April 16, and the account was sold to Jefferson Capital on April 30, An account review completed on April 6, confirms the credit bureaus are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zeroWe 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 Ms***’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 Ms*** has questions about what Jefferson Capital Services may be reporting, she may contact them directly at ###-###-####Thank you for the opportunity to explainSincerely, Kari *** Executive Care Team KD/sa
I am rejecting this response because:
THIS HAS NOTHING TO DO WITH ELECTRONICS, STEREOS, OR ANY OTHER, DEFECTIVE CRAP THEY LISTED, THEY KNEW FULL WELL, THEY EXCHANGED THE BLACK DEFECTIVE COMFORTER FOR ANOTHER GREY DEFECTIVE COMFORTER, LIKE ANY OTHER SCAM,LOUSY COMPANY ONCE THEY GOT YOUR MONEY THEY CAN MAKE UP ANY EXCUSE TO REFUSE A 2NDCOMPLAINT FOR CRAPPY,DEFECTIVE JUNK THEY SELL---FINGER HUT CAN GO TO HELL!!!!!!!!!!!!!
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
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
CONFIDENTIAL COMMUNICATION December 29, Revdex.com of
Minnesota Attn: Ms*** *** SRiver Ridge Circle Burnsville, MN Re: *** *** Case #: *** Dear Ms***, We are writing in response to an inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut credit account ending in ***We have included a statement of account activity and a copy of the Terms & Conditions Ms*** states that her Fingerhut account was paid in full prior to account being sold to another lender and the account is being reported incorrectly to the credit bureaus. Ms***’s desired resolution is to have the account report correctly to all three credit bureaus On August 24, 2012, an application was processed online using Ms***’s personally identifiable informationOn April 19, 2013, an order was placed online for a Barberry Queen 9pc Comforter SetThe merchandise was shipped via FedEx to the same address as on the applicationThe most recent purchase, totaling $83.98, was placed on May 31, We have received multiple payments on this account from a checking account ending in *** shown in the name of *** ***The last payment, totaling $20.00, was received on November 7, The unpaid balance of $charged off on February 8, Please note once an account charges off, it is subject to be soldThe account no longer qualifies for payment plans or settlements; the entire balance is due Our records reflect that four payments made online February 10, 13, 17, 25, 2015, totaling $115.24, were insufficient to pay the account in fullThe account was sold to *** ***l on February 27, Fingerhut no longer collects or owns the account Since the account was sold to *** ***l, the payments made on March 4, 8, 13, 18, 25, and 27; and April 1, were received after the account was sold and have been forwarded to the account owner, *** ***l According to an account review completed on December 22, 2016, Equifax, Experian and Trans Union are accurately reporting the account as “Transfer/Sold” and/or “Purchased by Another Lender” with a balance of zero We cannot revise any 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 your Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Ms*** has questions about what *** ***l may be reporting, she may contact them directly at ###-###-#### Thank you for allowing us to explain Sincerely, Kari *** Executive Care Team KD/sa Enclosures
Initial Business Response /* (1000, 5, 2015/07/09) */
CONFIDENTIAL COMMUNICATION
July 9,
Revdex.com of Minnesota
Attn: *** ***
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 and a WebBank/Gettington Credit AccountEnclosed are copies of correspondence sent to Mr*** and the Fingerhut and Gettington credit applications
Mr*** states that he has contacted WebBank/Fingerhut and WebBank/Gettington and both companies refuse to remove illegal unauthorized inquiries from his credit reportMr*** also states neither company has responded to his requests to verify what permissible purpose they had to pull his credit reportMr*** states he would like the inquiries removed from his credit report because the applications were processed without his authorization
According to our records, on March 12, 2015, two applications were processed online for credit with WebBank/Fingerhut and WebBank/GettingtonThe name and address on both accounts is the same as Mr*** has provided regarding this issue
One order was placed on each account for a pair of athletic shoesThe merchandise was delivered by the United States Postal Service to the address on the applications
Gettington and Fingerhut have received multiple requests from Mr*** to remove the alleged unauthorized inquiriesAccording to our records, a total of eight letters have been mailed to Mr***, five from Fingerhut and three from GettingtonThe first letter was sent on April 1,
A total of five payments have been received on the two accounts from a Visa and MasterCard debit card in the name *** ***
According to the notes on both accounts, Mr*** called on June 4, stating the accounts were unauthorized, but should not have been closedHe was advised by a Fingerhut agent that his account was closed due to a written cease and desist received on April 30,
Since an application was received and approved, an inquiry will show on Mr***' credit report; we cannot remove the inquiry at this time
If Mr*** has any further questions or concerns, he can contact the Fraud Department at ***Their hours are Monday - Friday 8:00am - 4:30pm Central Time
As no new information has been provided, we consider this matter closedThank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/lg
Enclosures
Initial Consumer Rebuttal /* (2000, 12, 2015/07/24) */
Complaint has not been resolved as of 7/23/Thank you
I am rejecting this response because, they are not doing what is right. They received the products back and still won't credit my account and close it as I instructed. They will not work with my daughter at all, I gave them the right to deal with her, she has my power of attorney, as I can no longer hear well, and do not understand the dealings of this or any situation. I am unable to take care of my affairsMy daughter is writing this for meI want this account closed and the credit to be applied.*** ***
CONFIDENTIAL COMMUNICATIONMay 4, 2016Revdex.com of Minnesota Attn: *** ***SRiver Ridge CircleBurnsville, MN 55337Re: *** ***Case #: ***Dear Ms***,I am writing in response to an additional inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Gettington Credit AccountMs*** states she does not accept Gettington’s previous response dated April 19, because she doesn’t believe Gettington tried to reach her by phoneMs*** also states Gettington’s terms are unjust because she made a payment before February 22, 2016, yet Gettington reported her delinquent when her husband reversed the payment in March 2016. Ms*** states she will be closing her accountAs stated in our previous response, Ms*** made a payment for $on February 8, which was reversed by her bank on March 23, If a payment is reversed, it is the equivalent of having never been receivedThe February 8, payment was reversed, therefore, there was no permanent payment secured by February 22, 2016. When the payment reversed, Ms***’s Gettington account was considered delinquent as of February 23, The reporting date on Ms***’s account is the twenty-sixth each monthOn March 26, 2016, no payment had been received for February 22, or March 22, 2016, so the account was reported thirty days delinquentThe day after the payment was reversed, March 24, 2016, Gettington attempted to contact Ms*** at each of the three numbers on her account. According to our records, Gettington dialed the number ###-###-#### at 9:49am and the number ###-###-#### at 12:45pm pm on March 24, Ms*** states the third number on her account is no longer her phone number.According to an account review on April 13, 2016, the bureaus are reporting accuratelyWe 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 Ms***’s terms and conditions which states:“We may report information about your Account to credit bureausLate payments, missed payments, or other defaults on your Account may be reflected in your credit report.”If Ms*** still has questions about her account regarding what has or has not been reported to the credit bureaus, please contact us by calling toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Standard Time.If Ms*** would like to close her account she may contact us at ###-###-#### for assistance.Thank you for allowing us to explain.Sincerely,Kari ***Executive Care TeamKD/lg
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 have reviewed my account and it has not come to a zero balanceI will go ahead and attach the documentsI would like my account to come to a zero balance. Thank you,V/r***
Initial Business Response /* (1000, 5, 2015/08/20) */
August 19,
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
Ms*** claims that she did not receive the Dog Trainer Remote and Collar that was ordered on June 1, Our records indicate that the item was delivered on June 4, with a tracking number of ***
When a customer states they have not received the merchandise ordered, Fingerhut has policies and procedures in place in order to conduct an investigationOur records indicate that an affidavit of "non-receipt of merchandise" was sent to Ms*** on June 29, 2015, July 31, and August 18, To date we have not received the completed affidavit
Ms***'s account is a revolving account, which means there is a required minimum amount due each monthLate fees accrue on an account if we receive payments past the scheduled due date or if the payment received has not met the required amount dueLate fees are explained in the Terms and Conditions she accepted when she opened the accountOur Payment Department will phone our customers with payment reminders when a payment is not received by the due date
Additionally, the customer has an item that was ordered on March 4, that she is responsible forMs*** should continue to make her minimum payments until the investigation is completeAt this time, the minimum amount is $due September 3,
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
Initial Consumer Rebuttal /* (3000, 7, 2015/08/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I absolutely do not accept the response by Ms*** on behalf of Bluestem Brands/FingerhutShe did not address the issue'sThis company received written documentation that was sent via certified mail with return receipt requestedI have stated more than once that I did not receive the item that I ordered from this companyYet it has been implied that I am either lying or that I have stolen the merchandise by others that I have communicated withThis company seems to believe that it is beyond the lawsI have stated more than once that the 'affidavit' is not a legal binding documentThis company is fully capable of investigating my 'claim' that I did not receive the item with or without the 'affidavit'I demand that they do soI have been subjected to defamation and discrimination by the actions and words of more than one representative of this companyI now demand that MS*** provide the informationMs*** failed to address the fraudulent information that has been placed on my credit report/filesMs*** 'claims' the company has not received the documentation required to investigate my claimThis is a bald faced lie! As previously state I have made a monthly payments on this account for the item that I did receiveI refuse to make payments that include an amount for an item that I have not received! Ms*** claims that their are charges for late fee'sThis late fee's are a direct result of charges on this account for the item that I did not receiveAdditionally, my due date was arbitrarily changed without notice, following my first complaint/dispute regarding the charges
This company is so concerned with any issue that I may or may not have encountered with the US postal serviceYet, how many items have been returned to this company and this company has denied the receipt of the item? Yet, this company has implied that I am lyingIt has also been implied that I may have received the item and in some way benefitted monetarily from this itemIn other words, I have been accused of 'possibly' selling the itemIt has been suggested that I need to be concerned that this may be turned over to the company's "legal" departmentSo that there is no mistake, I am not going to sit here and quiver with fear, over that implied threatIn fact, I will look forward to meeting with someone from the fingerhut legal departmentI fully expect Ms*** to provide ALL of the requested information immediately!
Final Business Response /* (4000, 12, 2015/09/08) */
CONFIDENTIAL COMMUNICATION
September 3,
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
Please understand that when a customer tells us that he/she did not receive an item, we take this issue very seriously and do not mean to imply that the customer is lying when we request an affidavit to be submitted.S
As explained previously, when a customer states they have not received the merchandise ordered, Fingerhut has policies and procedures in place in order to conduct a thorough investigation and ensure the account is handled appropriatelyBecause we have not received the compelted affidavit from Ms***, we have unfortunately been unable to proceed with the investigation
If Ms*** is able to obtain a paper copy of a police report, she should mail this along with the completed and signed affidavit to Fingerhut: Ridgewood Road StCloud MN or fax to ***If she is unable to obtain a paper copy, she should include the officer's name and badge number along with the case or file number for the police report on the affidavit
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/jm
Initial Business Response /* (1000, 5, 2015/07/16) */
CONFIDENTIAL COMMUNICATION
July 16,
# ***
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
We regret to learn of the problem Ms*** has experienced with the Captain's Bed with Trundle & Storage Drawers that she purchased on September 26, A two-year Extended Service Plan (ESP) was also purchased for additional coverage on itThe ESP provider is National Extended Warranty (NEW)
We recently obtained records of the interactions that NEW has had with Ms*** regarding the bedThey advised that Ms*** telephoned on July 7, notifying that the manufacturer warranty provider was unable to assist herFor this reason, NEW opened a claim under Ms***'s plan as it is currently in effect and eligible for claims processingMs*** was advised to provide them a photo of the bed to be used in determining the eligibility of her claim
She next telephoned them on July 15, as to the status of her claim, and the agent advised that it was still pending and awaiting the photo that was previously requested
Ms*** should continue to work with NEW in this matter, as the bed can no longer be returned to us for being beyond the maximum 90-day timeframe of our return policyWe appreciate her patience and ongoing cooperation with NEW
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2015/07/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response simply because if something is sold that is poorly made and it is endangering a child, the company should honor the fact that a replacement is deemed necessaryAs I said before, I'm not trying to take away business from anyone, I just want restitution for the unjustifiable situation that I am facingI am in fact working with NEW but as I stated before, if there is no one to help me and I'm continuously getting the runaround, some actions need to take place as a valued customer
Final Business Response /* (4000, 9, 2015/07/27) */
CONFIDENTIAL COMMUNICATION
July 27,
# ***
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*** ***
Ms*** is a valued customer and we realize the frustration associated with the situation
Please understand that applying policies consistently and fairly to all customers is among our top prioritiesAs stated in our previous response, the warranty claim on Ms***'s Captain's Bed is being administered by National Extended WarrantyThis is because it did not meet the terms of our return policy (after 90-day return period)
Our return policy is being applied to Ms*** the same as it would for any other customer with similar circumstances
As all aspects of Ms***'s claim are now entirely within the confines of the warranty provider and beyond our purview, we consider this matter closed; Ms***'s best recourse is to continue working with NEW
Thank you for allowing us to explain
Sincerely,
Vi ***
Executive Care Team
VF/ah
I am rejecting this response because: My biggest issue was not addressed I was told by a supe I could call back and get the payment planAlso this company is fraud my account balance should be $if that there should have not been interest when I was under safelineThis was told to me many times however I have had to fight with this company to even allow me to make payments I will likely be sueing
Please see attached
Full response attachedCONFIDENTIAL COMMUNICATION: Ms*** has not submitted a benefit application to SafeLine for unemployment at this timeShe has previously submitted and been approved in the past for different reasonsMs*** has canceled her SafeLine enrollment, but has days from the
date of cancellation to submit a fully completed benefit application if she choosesShe may also contact our billing department if she would like to discuss a payment plan
CONFIDENTIAL COMMUNICATION ** *** *** Jessup, Pennsylvania 18434-1833 November 9,
Revdex.com Attn: *** *** S River Ridge Circle Burnsville, MN Re: *** *** ID # *** Dear Ms***, We are writing in response to an inquiry received from your office on behalf of *** *** regarding a Haband internet order. Ms*** states that she placed an order on Haband’s website two years ago. She was asked if she wanted to enroll in Haband’s VIP Plus program for $14.95. She was not aware that it was a monthly fee until recently. She called Haband’s VIP Plus Team and they agreed to give her a refund for one year of the membership. They also said they would have someone contact her to get the full amount refunded. She states that she was billed for a VIP club on a monthly fee without notifying her. Our records indicate that while placing an a web order on November 14, for multiple articles of clothing, Ms*** was presented with an offer to accept a membership in our Haband VIP Plus program. The offer included a gift code number representing $off your next Haband purchase compliments of Haband VIP Plus To enroll in this program, the customer must click on the applicable banner ad and is taken to a landing page that fully describes the term and benefits of Haband VIP Plus. Within the Offer Details section, the customer is advised that they may activate a membership in VIP Plus and claim a $gift code to apply to their next Haband purchase and start enjoying the benefits of VIP Plus for the next days A nominal activation fee of $is billed by Haband VIP Plus to the credit card used on the Haband order. After the first days the membership automatically continues for a monthly $membership fee, billed by Haband VIP Plus, to the same credit card used on the Haband Order transaction unless the customer requests to cancel the membership. Cancellation may be made at any time with no further obligation. The VIP Plus membership was cancelled on September 2, 2016. One refund of $was issued on the same date. refunds of $were issued on September 7, 2016, refunds of $and one refund of $were issued on November 7, 2016. These refunds were all issued back to the credit card in which the payments were originally applied. The additional monthly fees of $each were issued in the form of a refund check for $on November 8, 2016. If Ms*** has any further questions or concerns, she may contact Haband VIP Plus directly at ###-###-#### Thank you for allowing us to explain Sincerely, Lea *** Haband Customer Service Bluestem Brands, Inc
I am rejecting this response because: The
statements of facts are False.No one asked or gave any explanations as to a Do Not Call being placed on my account, nor did I ever Request suchI stated that the times fingerhut calls me, I am unavailable during those hours, I also stated repeatedly that reps can call but they will get my voicemail. In regards to the online account access, #this was placed on my account after the Christmas, in fact, in January well after speaking with several representatives and supervisors after updating my phone number, AGAIN, NO ONE INFORMED ME OF THIS DURING ANY CALLSThe mere fact that this company refuses to take responsibility for their mishaps as well as continue to falsify statements is very bias, rude, and annoying. When calling in after other rude incidents, I finally spoke with Brian who like other representatives, seems to not understand or comprehend wellI explained my situation, he refused to give me his manager, he stated he needed to verify the information they have and my last four of my socialI verified suchHe stated he could not assist me any further, he did not note my account as requested to state I would verify my last four just not my whole social as I do not want my credit ranBrian called at 6:am PST the very next day after I informed him of times that are good for me.The representative are rude, bias, non informed of consumers credit rightsI am not accepting this company's response due to credit violations, lies, deceptive practices, tampering with my account without my knowledge, and no resolution offered for my terrible experiencesFingerhut needs to remove the do not call placed on my account as I did not request such and have not been provided with legal documents supporting this requestI have a charge account, to charge, these reps do not disclose how they are noting customers accounts nor do customers know what is being noted, such as in this case, Brian and other representatives deceptively noted my account without informing myselfUntil apologies are given properly, addressing every issue and repeated abuse, I want this complaint to remain as unresolved and on recordMy online account access needs to be corrected and my account needs to be reimbursed for the fdcpa violationsUNRESOLVED/UNSATISFIED/FAILED TO VERIFY
I am rejecting this response because:
I feel the account is paid in full therefore I do not want to receive any bills for balances due
Initial Business Response /* (1000, 5, 2015/10/28) */
Customer has been refunded the full purchase price of the dehumidifier and extended warranty, and will also receive a refund check for the payments she has made towards the item
Initial Consumer Rebuttal /* (2000, 6, 2015/10/29) */
CONFIDENTIAL COMMUNICATION May 31, Revdex.com of Minnesota Attn: *** *** SRiver Ridge Circle Burnsville, MN Re: Ms*** *** Case #: *** Dear Ms***, I am writing in response to a second inquiry received from your office on behalf of Ms*** *** regarding a WebBank/Fingerhut Credit AccountMs*** states in her complaint that, even though she made a settlement payment of $on April 8, which was the full amount of what the collection agency offered her, she is still receiving collection callsMs***’s desired resolution is to remove the account from her credit report. As stated in our initial response, the WebBank/Fingerhut credit account ending in was opened on September 12, when an application for credit was processed onlineThe first order was placed on September 27, for a Magnavox 24" 720p LED TVThe merchandise was shipped by UPS Ground to the address provided on the applicationTwo payments were received on this accountThe last payment of $was received online November 27, with a checking account ending in The unpaid balance of $1,charged off on June 29, and the account was sold to Jefferson Capital on August 4, An account review on May 20, confirmed that the credit bureaus are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance and past due of zeroWe 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 Ms***’ 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 wellOn May 23, Jefferson Capital confirmed that Ms***’ account was updated to a settlement statusIf Ms*** has any additional questions or concerns, she must contact Jefferson Capital directly at ###-###-####Thank you for allowing us to explainSincerely, Kari *** Executive Care Team KD/sjj *** ** *** ***
Initial Business Response /* (1000, 5, 2015/12/21) */
CONFIDENTIAL COMMUNICATION
December 21,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: ***
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 that she paid off her Fingerhut credit account in July and she would like her credit report updated to current as of July
According to our records, Ms***' Fingerhut account reports to the credit bureaus after the nineteenth each monthOn July 19, 2015, the balance on her account was $63.24, with a past due of $The account was accurately reported as ninety days late, as only one payment for $had been received since February 15,
On July 20, 2015, a $payment was receivedThe remaining balance of $was paid in full on August 11,
Ms***' account is accurately reporting as current with a balance of zero, as of August 19,
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 Ms***' 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
Ms***' account was closed per customer request on December 11, and will be reported to the bureaus as closed after December 19, Please allow up to thirty days for the credit bureaus to update this information
Thank you for allowing us to explain
Sincerely,
Kari ***
Executive Care Team
KD/lg
Initial Consumer Rebuttal /* (2000, 7, 2016/01/04) */