Initial Business Response / [redacted] (1000, 5, 2015/11/09) */ CONFIDENTIAL COMMUNICATION November 9, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] purchased a Leaning Wall Shelf Cherry Finish and a CB Sports Misses' Heavyweight Parka on October 21, On November 4, Ms [redacted] contacted Fingerhut stating the wall shelf was broken and wanted to return to itemMs [redacted] may return the item using the same box in which she received the merchandise To date, we have not received this item as a return from Ms***When we receive this item credit will be given upon inspection Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) since they don't understand that the box came in broken up just like the merchandise but, I taped it up with duck tape and fed ex is picking it up! I took pictures of the item and the box so don't know it was not from me! They should have it in a few day Final Business Response / [redacted] (4000, 9, 2015/11/16) */ CONFIDENTIAL COMMUNICATION November 11, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We received notification from Ms [redacted] she has shipped the Leaning Wall Shelf Cherry Finish back to FingerhutWe apologize the box Ms***'s merchandise was shipped in was damaged Once we receive the returned merchandise, credit will be issued for the shelf upon inspection Thank you for allowing us to explainMs***'s patience is greatly appreciated while the return is processed Sincerely, Vi [redacted] Executive Care Team VF/KS
Initial Business Response / [redacted] (1000, 5, 2016/02/02) */ CONFIDENTIAL COMMUNICATION February 1, Revdex.com of Minnesota # [redacted] Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Credit AccountEnclosed is a copy of the credit application for your records In Ms [redacted] 's complaint, she states that Fingerhut is reporting a hard inquiry on her credit report from an August application she reported as fraudulentMs [redacted] 's desired resolution is to have the hard inquiry removed from her credit bureau reporting Our records indicate an application for credit was processed online on September 1, We received notification on September 2, 2015, from Ms [redacted] , that this was an unauthorized applicationThe application was then denied and a notification to have the inquiry removed was sent to Equifax, Experian and Trans Union A confirmation letter dated September 2, was sent to Ms [redacted] stating that inquiry would be removed from all three credit reporting agencies and to please allow sixty to ninety days for this to be reflected on her credit report The records further indicate on December 4, 2015, Ms [redacted] contacted Fingerhut regarding the inquiry still showing on her credit reportThat same day another notification to have the inquiry removed was sent to Equifax, Experian and Trans Union A second confirmation letter dated December 4, was sent to Ms [redacted] stating that inquiry would be removed from all three credit reporting agencies and to please allow sixty to ninety days for this to be reflected on her credit report In the hope of assisting Ms [redacted] further, we would request that she mail a copy of her credit reports showing the hard inquiry to: Fingerhut Attention: Executive Care Team/Collections [redacted] Saint Cloud, MN Or she may fax a copy to [redacted] Attention: Executive Care Team/Collections We appreciate Ms [redacted] 's patience regarding this issue and apologize for any inconvenience If Ms [redacted] still has questions about what has or has not been reported to the credit bureaus, she may contact us at the address listed above or by calling us toll-free at [redacted] , Monday through Friday 9:00am to 6:00pm Central Standard Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosure Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/02/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) The inquiry still has not been removed from my account
CONFIDENTIAL COMMUNICATION January 3, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] indicates he ordered and received the Stereo Receiver with extensive damage including dents, mounting clips that were broken and a broken power buttonHe states that he emailed us immediately and requested a significant discount if he kept the damaged receiver or he wanted to exchange the receiver for another receiver of his choosingHe indicates we asked if he would like a return label to return the item to usMr [redacted] states he requested the return label but never received itMr [redacted] is requesting to return the item for an exchange or for a significant discount he is willing to keep the item Our records indicate Mr [redacted] placed his order which included the Stereo Receiver on October 19, The item shipped directly from our vendor to the address we have on file for Mr [redacted] We received an email from Mr [redacted] on October 25, advising of the damaged item he receivedThere is no indication in the original email we received from Mr [redacted] that he wanted an exchange for another itemHe only indicated that he did not want to pay full price for the damaged itemThe agent replied and asked Mr [redacted] if he wanted the return label to be mailed to him or if he had access to a printer so he could print the return label through emailWe have no record of receiving a response from Mr [redacted] On December 19, we received another email from Mr [redacted] in which he indicated he had made a payment on his account and that he had emailed us previously regarding the damaged receiver he had receivedHe stated he refused to pay full price for the item and that he would keep it with a significant discount or exchange it for a different receiverThe agent responded by sending the return instructions to Mr [redacted] Mr [redacted] reiterated that the item was received damaged and asked if he could exchange the receiver he received for item number NBCTK Pyle 7- Channel 350W AM/FM ReceiverThe agent responded and asked Mr [redacted] to contact Customer Service for further assistance since the item had not yet been returned and no credit had been issued for the damaged itemWe have no record of further contact from Mr [redacted] Since the item was received with significant damage we are requesting Mr [redacted] to return the item to usReturn labels may be printed directly from our website at www.fingerhut.comPlease allow up to days for us to receive and process the return and a prompt credit will be completedSince the item Mr [redacted] is requesting is different than the original item he ordered, credit will be issued for the original order and a new order will need to be placed for the item he is requestingWe sincerely apologize for any inconvenience caused by Mr [redacted] receiving the original item damagedIf Mr [redacted] has further questions he may contact Customer Service at ###-###-####, Monday – Friday, 8:AM – 8:PM CT Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION August 11, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Mr [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Credit Account Mr [redacted] states that Trans Union has deleted the WebBank Fingerhut trade line from the credit report, but the trade lines are still reporting on both Equifax and ExperianMr [redacted] ' desired resolution is for Fingerhut to delete the trade lines from Equifax and Experian According to our records, an application for credit with Fingerhut was processed with Mr [redacted] ' personally identifiable information on February 5, Mr [redacted] was approved for a Fingerhut FreshStart account with a credit limit of $ The only order placed was on November 9, for a Skechers Women's Centennial Shoe Wide-Size 10, a Dirty Laundry Women's Pitch Suede Bootie-size 10, and a Lea Apparel Women's Marled Knit Sweater Coat - size 3xl We referred Mr [redacted] ' concern to our Credit Risk Department for further review and they determined that the account should be deleted from Mr [redacted] ' credit bureau report for reason of fraud On August 10, 2015, a request was sent to the credit bureaus to delete the remaining trade lines(Ref: [redacted] ) Please allow up to thirty days for the bureaus to update this information A phone conversation with Trans Union confirmed that the Fingerhut trade line was deleted on December 24, During our research, we were also able to locate an additional inquiry for credit in Mr [redacted] ' name On August 10, a letter was sent to Mr [redacted] ' address of [redacted] ***, Houston, TX notifying him that the inquiry on his credit report was referred to Equifax Credit Services, TransUnion L.L.C., and Experian Information Solutions, Incfor removal; please allow 60-days for the information to be removedAdditionally, Mr [redacted] ' information has been marked for our system to instantly recognize, flag, and block similar attempts in the future, should they occur If Mr [redacted] has any further questions or concerns, he can contact the Fraud Department at ###-###-####Their hours are Monday - Friday 8:00am - 4:30pm Central Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/lg
Initial Business Response / [redacted] (1000, 7, 2015/08/14) */ CONFIDENTIAL COMMUNICATION August 13, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We have certain procedures in place to assist those who claim unauthorized activity on their accountMs***'s account was referred to our Credit Risk Department for further review as a result Their records confirm that one of their representatives first spoke with and advised Ms [redacted] regarding her claim on June 23, Ms [redacted] stated to the phone agent that her then spouse ordered without her authorization the Simply Calphalon 14-piece Hard Anodized Cookware Set via the Fingerhut websiteAs her spouse did not have an account with us to transfer the balance to, the agent advised Ms [redacted] that her best recourse was to file a police report for identity theft/unauthorized purchase activity or have the spouse fax a signed/dated statement assuming responsibility for the orders and the required payments owed on them To date, we have no record of receiving either the faxed statement or police reportPlease understand that without a police report we will be unable to perform the necessary investigation and Ms [redacted] will remain responsible for payment While we sympathize with Ms***'s situation, we are applying the policy the same for her as we would for any customer with similar circumstancesTo expedite, Ms [redacted] may fax a copy of the police report or a written statement from the spouse to [redacted] , Attn: Andy or via regular mail to [redacted] ., StCloud, MN Once received, we will further investigate this matter Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/08/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) A charge was made on the account that wasn't authorized & my aterney faxed a letterSteve will not take responsibility for the chargeSince the company authorized the charge, and the order said " [redacted] ***" & there is no [redacted] on the accountIt was their mistake they need to reverse it whether it's $dollars or $ Final Consumer Response / [redacted] (2000, 34, 2015/10/29) */ Final Business Response / [redacted] (4000, 33, 2015/10/29) */ CONFIDENTIAL COMMUNICATION October 29, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] *** The notarized affidavit Ms [redacted] provided has been deemed acceptable for the purposes required by the Credit Risk departmentThis completes their investigation, and the order in question has been marked as fraud The related balance has been cleared and removed from Ms***'s account, and it reflects a $balance as a result and as of the date aboveAll interest charges that accrued on the order have been credited back to the account All payments Ms [redacted] made towards the order are being returned to her in the form of a refund check totaling $It is being sent regular mail to her address on file of [redacted] NE, Keizer, OR 97303; she should allow to days from the date of this letter for it to arrive To close the account, Ms [redacted] should contact Customer Service at [redacted] She is also assured that a "hold" still remains and will continue to remain on her accountIn the event she should want to again use it, she would need to contact the Credit Risk Department at [redacted] in order to remove the holdTheir hours are Monday through Friday, 8:a.mto 4:p.mCentral Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah
Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11784487, and find that this resolution is satisfactory to me I did receive the mailing that they said they sent out after I contacted youEverything was manually typed with handwritten notations and codes on it and a return label The handwritten notations appeared to be instructions on how to process the return once they receive itWithout a computer generated packing slip it looks like they have to figure out what to do
I am rejecting this response because: Please see the correct uploaded files showing timeline of all letter and responses received I received my TransUnion report dated 3/15/which clearly shows no comment of disputeI see that you are asking me to contact TransUnion I am making a final goodwill attempt to have you clear up this matterThe listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting
I am rejecting this response because: this is discriminatory when customer heat relay service they immediately hang up and other say we don't accept the relay calls hang up very rude I am going to file a EOCC this case because I have proof conversation that I can show lawyer and I did called before days policy I don't want lose my money I request for return and refundThank you
I am rejecting this response because: I did receive my correct order, but the data breach issue is not resolvedIt has been nearly a month, and I have received multiple calls and emails from Blair assuring me it has been corrected, but the attached files show my correct name and address in my account summary, but someone else's information attached to my orderI know my information is visible to the other customer, and I don't know if it is visible to anyone elseNo one at Blair seems capable of fixing this issue [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/07/22) */ CONFIDENTIAL COMMUNICATION July 21, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountMs [redacted] is a valued customer, and we regret any difficulty she experienced as a result of the changes to her credit line as described in the inquiry Strong performing accounts may be issued a credit line increase, either temporary or permanentIf purchases are made to the account while a temporary increase is in effect, the regular limit receives a permanent increase equal to the combined total of the purchasesIf no purchases are made, the temporary increase expires and the regular limit is restoredCustomers are sent reminders of the temporary increase by regular mail or email; this was the case with Ms [redacted] , and we apologize for any confusion these reminders may have caused Prior to the most recent temporary increase we issued, Ms [redacted] 's regular credit limit was set at $This is what we intended to explain with the first letter she states she received titled "Credit Update"; there was no expiration date given since it had to do with her regular fixed limit only On April 2, 2015, Ms [redacted] 's account was issued a temporary credit line increase of $(making her new, temporary limit $1004)This is what was explained in the second letter she states she received titled "Great News!"Included was the temporary increase expiration date of June 30, 2015, which Ms [redacted] confirms having seenIt intended to explain that however much of the $Ms [redacted] used for new purchases before the expiration date, she would receive the same amount as a permanent increase to her regular fixed limitIf she did not make any new purchases before the expiration date while still making on-time payments during that time, she would still receive a $permanent increase to her regular fixed limit Our records show that Ms [redacted] did not make any new purchases before the temporary increase expired on June 30, Because all of her payments were made on time, she did receive the $permanent increase on July 5, As a result, Ms [redacted] 's new fixed credit limit is $Unfortunately, the order Ms [redacted] attempted to place on July 4, for $was declined because the temporary increase had already expired, and she no longer had sufficient available credit for it We apologize, but we are unable to reinstate the previous increase because they are issued as a result of ongoing, systematic monitoring of account activity dataMs [redacted] will be notified if and when our system again determines her to be eligible for such an increase Thank you for the opportunity to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) The "ongoing, systematic monitoring of account activity data" is obviously not a part of your consumers understandingI am sure I am not the first person who has gotten mixed messages from your advertisingIf you state that there is a credit deadline on one letter & follow up with succeeding letters which state credit update in huge letters which have no deadlines on them, there is no way to draw an absolute conclusion about the processYour calculations may have an ongoing theory of operation but there is no way for the consumer to actively absolutely calculate what is available, meaning the final decision will be up to Fingerhut when & if they want to make allowances - the consumer will remain unsureIn addition, we really don't want to be breaking out our calculators to try & decide how much credit we may be getting (& whether or not we really have a deadline) - which by the way I did observe only on the first advertisementSo maybe you could be more consistent & less confusing about deadlines, that is, if you really want people to spend money - it would be helpfulSo - no I am not satisfied with your answer & you have lost a good customer
CONFIDENTIAL COMMUNICATION March 24, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] opened a WebBank/Fingerhut Advantage Credit Account on September 11, On that same date she purchased a Madison Park Beverly 7pc Comforter Set - Cal King, a Delray Diamond Hemstitch 6pc Sheet Set - Cal King, and an alcove Jacobean Vine 20-PcBedroom Set - Queen We received the first payment of $from Ms [redacted] on October 11, On November 3, Ms [redacted] purchased an Easy Steps II - Extra WideMs [redacted] made a payment of $on November 11, This amount did not satisfy the $34.99, which was the minimum amount due for the month of NovemberPlease note that when the full minimum amount due is not received by the due date, the minimum monthly payment amount due the next month will be higher and continue to be higher until the correct minimum amount due is received Ms [redacted] purchased a McLeland Design Electric Microplush Sherpa Blanket - Twin on November 23, Because of this purchase, her minimum amount due increasedWe received a payment of $on December 11, Again, this did not meet the minimum payment due of $Consequently, Ms [redacted] was charged a late fee in the amount of $ When Ms [redacted] opened her Fingerhut Account she ag [redacted] to the terms and conditions of the credit accountWithin these terms and conditions it states, "Late fees will be equal to your minimum payment due with a maximum of up to $The maximum amount will increase to $if you did not make your minimum payment on time in any one of the prior billing cycles." We received a payment of $on January 9, and an additional payment of $on January 11, This again did not meet the minimum amount due of $Ms [redacted] was charged a $late fee on January 11, As a courtesy to Ms [redacted] the $late fee that was charged on January 11, was waived We did not receive a payment in February or March of This resulted in two additional late fees on February 11, and March 11, Both of these late fees were the amount of $ Ms [redacted] states she does not receive her statement via mail or onlineOur records show Ms [redacted] receives electronic statements each month to the e-mail address, GIN [redacted] @yahoo.comIf she would like to receive statements mailed to her each month, she can sign up to receive them on our websiteOn Fingerhut.com, customers can go to My Account, and under the My Credit Account, they can update preferences to receive and view statements We have enclosed a copy of Ms***'s itemized statement to ensure a better understanding of her WebBank/Fingerhut Account Per Ms***'s request on March 24, her Fingerhut Account has been closedIf Ms***'s account was not paid in full when she closed it, her outstanding balances will continue to accrue interest and other charges and be subject to the terms and conditions of the AgreementShe will not be able to use her Account for any purchased effective immediately Ms [redacted] is responsible for payments on this accountHer current balance is $A minimum payment of $is due by April 11, Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION July 12, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut Advantage Account purchase from August 14, for a Frigidaire 30-Inch Freestanding Electric Range Ms [redacted] states she notified us immediately upon learning that the range was delivered damaged at her daughter’s residence, for whom she purchased itThe first representative advised they would begin the return process with additional follow up to Ms [redacted] at a later time, however, after a week of no further communication in this regard, Ms [redacted] contacted us againA different representative advised her to contact Frigidaire to initiate the return but, in doing so, Frigidaire referred her back to usMs [redacted] states we gave her further assurances we would handle this, but her daughter still has the range in her possession, and this issue has remained unresolved for ten monthsMs [redacted] requests that the range be picked up and the purchase price be credited back to her account in full, including any late fees assessed when she initially withheld payment awaiting our assistance to return it Please note that to return the range, there were additional steps involved beyond our regular handling, as it was shipped directly by the vendorMs [redacted] ’s daughter as the recipient should have received a packing slip insert at the time of delivery with the special return instructionsIn addition, a disclosure appeared on our website’s product overview page for this item which stated, “In order to ensure the best service for your new appliance, all service issues must be arranged with the vendorPlease see packing slip for further information.” Our records confirm that Ms [redacted] first notified us via phone on September 15, that the range arrived damagedThe representative advised that, while it could not be handled according to our standard return processes, they would refer the matter to our Vendor Support DepartmentThis was completed on September 17, when they sent a response to Ms [redacted] ’s email on file, [email protected], advising to contact the manufacturer, Frigidaire, for assistanceRegrettably, this was inaccurate information due to representative error, as Ms [redacted] should have been directed to the vendor-supplier, Almo Corporation When Ms [redacted] called on October 5, and the issue was again referred to vendor support, it was correctly handled the next day with our request to Almo to initiate a return on Ms [redacted] ’s behalfOn October 7, 2015, Almo responded by requesting pictures of the damageOn the same date, we sent another email to the same email above but, regrettably, it omitted that the vendor needed pictures and only advised the customer to “refer to their packing slip included with the appliance.” However, in a subsequent email sent to Ms [redacted] on November 2, 2015, we advised her to provide pictures of the damage and she could return these to usOur records show that we received the pictures on January 21, and forwarded them to Almo on the same date However, upon receiving Ms [redacted] ’s inquiry we became aware that after we provided the vendor with her pictures they did not contact herWe sincerely apologize for the excessive delays she has experienced, on our part and on behalf of the vendor As a remedy, we have issued an account credit for the electronic range’s full purchase price of $1,The related accrued interest charges have also been credited in the amount of $234.82, as well as two late fees credits for $eachThese have already applied to the account and will reflect on an upcoming statement for Ms [redacted] ’s recordsHer balance as of this response, which we confirm is fully accurate, is $1,190.14, and her adjusted minimum payment amount is $69.99, due by July 18, Because Ms [redacted] was also carrying, and continues to carry, an outstanding balance for other items she purchased, the previous payments she was making have been applied to the balance still owing so she is not subject to a refund for those past payments In addition and in the coming days, the freight carrier, MXD Group, will contact Ms [redacted] for piarrangement of the electric range, if they have not done so already Thank you for allowing us to assist and explainSincerely, Vi [redacted] Executive Care Team VF/ah
CONFIDENTIAL COMMUNICATION April 25, Revdex.com of Minnesota #: [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountOur records indicate that the late fee was applied on January 3, The Pioneer iPod/iPhone/CD/MPCar Stereo w/ Bluetooth was returned on January 7, On this same date, Ms [redacted] ’s account was credited for the amount she paid -- $The product price was $and shipping and handling was $13.99, totaling $263.98, however she had a $discountOn January 20, the late fee credit was issued for $and an interest charge of $The account charged off on July 15, Our return policy states that shipping and handling is nonrefundable on returnsHowever, our records confirm that on January 6, a representative offered to waive all chargesTherefore we have reversed the charge off and requested removal of the delinquency reporting from Ms [redacted] ’s credit reportThank you for allowing us to explainSincerely, Vi [redacted] Executive Care Team VF/jm [redacted]
Dear Ms [redacted] , Please see my attached letter to your office regarding [redacted] concerns My response exceeds the character limit so I have attached it to this inquiryThank you, Lea [redacted] Haband Customer Service Bluestem Brands, Inc
CONFIDENTIAL COMMUNICATION April 20, Revdex.com of Minnesota Customer #: [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut credit account purchase of an XBOX Console Bundle on February 6, We realize Ms [redacted] maintains that she never received the XBOXDue to UPS tracking number [redacted] reflecting that we met our delivery obligations for this item, a missing merchandise claim was initiated for Ms***, for which we requested a police report due to the significant monetary value involvedOn February 26, 2016, Ms [redacted] had emailed us the last remaining police report information needed to complete our investigationUnfortunately, the Metro Nashville Police Department would not confirm the information with our representative, and the representative sent Ms [redacted] an email reply on the same date stating, “We attempted to contact the Metro Nashville Police Department to verify the contents of your reportWe were told that in order to verify the information contained in the report, we would need a physical copyPlease obtain a copy of this report and fax it to us at ###-###-####, or you can mail it to Fingerhut Customer Service, [redacted] **., StCloud, MN 56303.” We recently made additional attempts to contact the precinct’s records department as a courtesy, but each time they were unavailableTo date, there is no record that we have yet received a paper copy of the police report from Ms***In order for us to finalize this process and possibly release Ms [redacted] from payment for the item, we will need to be able to confirm the police reportAs it is now in Ms***’s best interest, we strongly advise her to fax us a copy of the report to ###-###-#### or as an email attachment to [email protected] should allow up to days from the date she sends us the report for this process to be completed and receive notification by mail of the outcome, including any corrective adjustments to her credit filesThank you for allowing us to explainSincerely, Vi [redacted] Executive Care Team VF/ah
Initial Business Response / [redacted] (1000, 5, 2016/03/10) */ CONFIDENTIAL COMMUNICATION March 10, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] contacted Fingerhut on February 29, to place an order using a catalog that was mailed on January 19, As stated in the Blue Pages of the catalog under Prices "Prices and rates are good for days from the mail date of a catalog" We apologize but we are unable to honor the price of the crockpot that was offered in that catalog at this timeIf Ms [redacted] would like to place an order we advise her to call [redacted] or she may place her order online at www.Fingerhut.com We apologize for any inconvenience this may have causedThank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because:they fail to accecept the fact that billing statements and phone calls come from them,fingerhut continues to dial ###-###-#### in reference to mr [redacted] accountrude nasty people demanding I pay the bill myselffingerhut also says after months from the date of death they will stop, however it has been weeks after the months and they still continue .if fingerhut does not cease all comunications regarding mr [redacted] account I will obtain legal counsel and I will sue fingerhut for continued harassment
CONFIDENTIAL COMMUNICATION Dear Ms [redacted] , I am writing in response to the further inquiry we received from Ms [redacted] *** Ms [redacted] has filed police report # [redacted] online as she is currently out of the countryHowever, she feels further action to validate the account should not be necessary on her part due to disputing the account under the FCRA, so that we are in fact responsible for providing validationPlease see our full and detailed response to the follinquiry as a PDF attachmentSincerely, Vi ***Executive Care Team VF/ah
Initial Business Response / [redacted] (1000, 5, 2015/11/30) */ CONFIDENTIAL COMMUNICATION November 27, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] purchased an alcove Microwave Pantry on August 11, Ms [redacted] contacted Fingerhut on November 23, stating she was missing four of the hingesAt this time she was told it was over the day period, and we would not be able to send the hinges On November 27, a representative attempted to call Ms [redacted] to inform her that the inner and outer hinges are attached together with a small screw, and that, with this information, she should check her item again as she should have received all of the hinges If Ms [redacted] reviews her item and still has not been able to locate the additional hinges, she should call Fingerhut Customer Service at [redacted] , Monday through Friday 8AM-8PM Central Standard Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/10) */
CONFIDENTIAL COMMUNICATION July 7, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut Advantage Credit Account Ms [redacted] ’s complaint indicates that she was unable to make payments on our website on both June 7, and June 17, 2016, and that she is concerned about double payments being taken from her bank accountShe also indicated that she is being charged fees and is concerned about possible negative reports against her credit bureau report Our records indicate that both payments mentioned above, from June 7, and June 17, were returned by her bank with a “stop payment” reasonOur records also indicate that Ms [redacted] emailed us on June 24, to advise that her bank had stopped payment on both payments in error She requested that we consider removing the associated fees as an exception Our representatives responded to Ms [redacted] ’s emails on June 2016, advising her that we have removed the late fee of $and the returned check charge of $ Ms [redacted] did make a successful payment to her account on July 1, 2016, which satisfied her minimum amount due for this billing periodAs long as a successful payment is made before her account cycles on the 26th of the month, her account will be reported as current to the credit bureausAs of today’s date, this most recent payment appears to have posted without issue Thank you for this opportunity to explain Sincerely, Vi [redacted] Executive Care Team VF/ca
Initial Business Response / [redacted] (1000, 5, 2015/11/09) */ CONFIDENTIAL COMMUNICATION November 9, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] purchased a Leaning Wall Shelf Cherry Finish and a CB Sports Misses' Heavyweight Parka on October 21, On November 4, Ms [redacted] contacted Fingerhut stating the wall shelf was broken and wanted to return to itemMs [redacted] may return the item using the same box in which she received the merchandise To date, we have not received this item as a return from Ms***When we receive this item credit will be given upon inspection Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) since they don't understand that the box came in broken up just like the merchandise but, I taped it up with duck tape and fed ex is picking it up! I took pictures of the item and the box so don't know it was not from me! They should have it in a few day Final Business Response / [redacted] (4000, 9, 2015/11/16) */ CONFIDENTIAL COMMUNICATION November 11, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We received notification from Ms [redacted] she has shipped the Leaning Wall Shelf Cherry Finish back to FingerhutWe apologize the box Ms***'s merchandise was shipped in was damaged Once we receive the returned merchandise, credit will be issued for the shelf upon inspection Thank you for allowing us to explainMs***'s patience is greatly appreciated while the return is processed Sincerely, Vi [redacted] Executive Care Team VF/KS
Initial Business Response / [redacted] (1000, 5, 2016/02/02) */ CONFIDENTIAL COMMUNICATION February 1, Revdex.com of Minnesota # [redacted] Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Credit AccountEnclosed is a copy of the credit application for your records In Ms [redacted] 's complaint, she states that Fingerhut is reporting a hard inquiry on her credit report from an August application she reported as fraudulentMs [redacted] 's desired resolution is to have the hard inquiry removed from her credit bureau reporting Our records indicate an application for credit was processed online on September 1, We received notification on September 2, 2015, from Ms [redacted] , that this was an unauthorized applicationThe application was then denied and a notification to have the inquiry removed was sent to Equifax, Experian and Trans Union A confirmation letter dated September 2, was sent to Ms [redacted] stating that inquiry would be removed from all three credit reporting agencies and to please allow sixty to ninety days for this to be reflected on her credit report The records further indicate on December 4, 2015, Ms [redacted] contacted Fingerhut regarding the inquiry still showing on her credit reportThat same day another notification to have the inquiry removed was sent to Equifax, Experian and Trans Union A second confirmation letter dated December 4, was sent to Ms [redacted] stating that inquiry would be removed from all three credit reporting agencies and to please allow sixty to ninety days for this to be reflected on her credit report In the hope of assisting Ms [redacted] further, we would request that she mail a copy of her credit reports showing the hard inquiry to: Fingerhut Attention: Executive Care Team/Collections [redacted] Saint Cloud, MN Or she may fax a copy to [redacted] Attention: Executive Care Team/Collections We appreciate Ms [redacted] 's patience regarding this issue and apologize for any inconvenience If Ms [redacted] still has questions about what has or has not been reported to the credit bureaus, she may contact us at the address listed above or by calling us toll-free at [redacted] , Monday through Friday 9:00am to 6:00pm Central Standard Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosure Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/02/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) The inquiry still has not been removed from my account
CONFIDENTIAL COMMUNICATION January 3, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] indicates he ordered and received the Stereo Receiver with extensive damage including dents, mounting clips that were broken and a broken power buttonHe states that he emailed us immediately and requested a significant discount if he kept the damaged receiver or he wanted to exchange the receiver for another receiver of his choosingHe indicates we asked if he would like a return label to return the item to usMr [redacted] states he requested the return label but never received itMr [redacted] is requesting to return the item for an exchange or for a significant discount he is willing to keep the item Our records indicate Mr [redacted] placed his order which included the Stereo Receiver on October 19, The item shipped directly from our vendor to the address we have on file for Mr [redacted] We received an email from Mr [redacted] on October 25, advising of the damaged item he receivedThere is no indication in the original email we received from Mr [redacted] that he wanted an exchange for another itemHe only indicated that he did not want to pay full price for the damaged itemThe agent replied and asked Mr [redacted] if he wanted the return label to be mailed to him or if he had access to a printer so he could print the return label through emailWe have no record of receiving a response from Mr [redacted] On December 19, we received another email from Mr [redacted] in which he indicated he had made a payment on his account and that he had emailed us previously regarding the damaged receiver he had receivedHe stated he refused to pay full price for the item and that he would keep it with a significant discount or exchange it for a different receiverThe agent responded by sending the return instructions to Mr [redacted] Mr [redacted] reiterated that the item was received damaged and asked if he could exchange the receiver he received for item number NBCTK Pyle 7- Channel 350W AM/FM ReceiverThe agent responded and asked Mr [redacted] to contact Customer Service for further assistance since the item had not yet been returned and no credit had been issued for the damaged itemWe have no record of further contact from Mr [redacted] Since the item was received with significant damage we are requesting Mr [redacted] to return the item to usReturn labels may be printed directly from our website at www.fingerhut.comPlease allow up to days for us to receive and process the return and a prompt credit will be completedSince the item Mr [redacted] is requesting is different than the original item he ordered, credit will be issued for the original order and a new order will need to be placed for the item he is requestingWe sincerely apologize for any inconvenience caused by Mr [redacted] receiving the original item damagedIf Mr [redacted] has further questions he may contact Customer Service at ###-###-####, Monday – Friday, 8:AM – 8:PM CT Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION August 11, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Mr [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Credit Account Mr [redacted] states that Trans Union has deleted the WebBank Fingerhut trade line from the credit report, but the trade lines are still reporting on both Equifax and ExperianMr [redacted] ' desired resolution is for Fingerhut to delete the trade lines from Equifax and Experian According to our records, an application for credit with Fingerhut was processed with Mr [redacted] ' personally identifiable information on February 5, Mr [redacted] was approved for a Fingerhut FreshStart account with a credit limit of $ The only order placed was on November 9, for a Skechers Women's Centennial Shoe Wide-Size 10, a Dirty Laundry Women's Pitch Suede Bootie-size 10, and a Lea Apparel Women's Marled Knit Sweater Coat - size 3xl We referred Mr [redacted] ' concern to our Credit Risk Department for further review and they determined that the account should be deleted from Mr [redacted] ' credit bureau report for reason of fraud On August 10, 2015, a request was sent to the credit bureaus to delete the remaining trade lines(Ref: [redacted] ) Please allow up to thirty days for the bureaus to update this information A phone conversation with Trans Union confirmed that the Fingerhut trade line was deleted on December 24, During our research, we were also able to locate an additional inquiry for credit in Mr [redacted] ' name On August 10, a letter was sent to Mr [redacted] ' address of [redacted] ***, Houston, TX notifying him that the inquiry on his credit report was referred to Equifax Credit Services, TransUnion L.L.C., and Experian Information Solutions, Incfor removal; please allow 60-days for the information to be removedAdditionally, Mr [redacted] ' information has been marked for our system to instantly recognize, flag, and block similar attempts in the future, should they occur If Mr [redacted] has any further questions or concerns, he can contact the Fraud Department at ###-###-####Their hours are Monday - Friday 8:00am - 4:30pm Central Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/lg
Initial Business Response / [redacted] (1000, 7, 2015/08/14) */ CONFIDENTIAL COMMUNICATION August 13, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We have certain procedures in place to assist those who claim unauthorized activity on their accountMs***'s account was referred to our Credit Risk Department for further review as a result Their records confirm that one of their representatives first spoke with and advised Ms [redacted] regarding her claim on June 23, Ms [redacted] stated to the phone agent that her then spouse ordered without her authorization the Simply Calphalon 14-piece Hard Anodized Cookware Set via the Fingerhut websiteAs her spouse did not have an account with us to transfer the balance to, the agent advised Ms [redacted] that her best recourse was to file a police report for identity theft/unauthorized purchase activity or have the spouse fax a signed/dated statement assuming responsibility for the orders and the required payments owed on them To date, we have no record of receiving either the faxed statement or police reportPlease understand that without a police report we will be unable to perform the necessary investigation and Ms [redacted] will remain responsible for payment While we sympathize with Ms***'s situation, we are applying the policy the same for her as we would for any customer with similar circumstancesTo expedite, Ms [redacted] may fax a copy of the police report or a written statement from the spouse to [redacted] , Attn: Andy or via regular mail to [redacted] ., StCloud, MN Once received, we will further investigate this matter Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/08/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) A charge was made on the account that wasn't authorized & my aterney faxed a letterSteve will not take responsibility for the chargeSince the company authorized the charge, and the order said " [redacted] ***" & there is no [redacted] on the accountIt was their mistake they need to reverse it whether it's $dollars or $ Final Consumer Response / [redacted] (2000, 34, 2015/10/29) */ Final Business Response / [redacted] (4000, 33, 2015/10/29) */ CONFIDENTIAL COMMUNICATION October 29, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] *** The notarized affidavit Ms [redacted] provided has been deemed acceptable for the purposes required by the Credit Risk departmentThis completes their investigation, and the order in question has been marked as fraud The related balance has been cleared and removed from Ms***'s account, and it reflects a $balance as a result and as of the date aboveAll interest charges that accrued on the order have been credited back to the account All payments Ms [redacted] made towards the order are being returned to her in the form of a refund check totaling $It is being sent regular mail to her address on file of [redacted] NE, Keizer, OR 97303; she should allow to days from the date of this letter for it to arrive To close the account, Ms [redacted] should contact Customer Service at [redacted] She is also assured that a "hold" still remains and will continue to remain on her accountIn the event she should want to again use it, she would need to contact the Credit Risk Department at [redacted] in order to remove the holdTheir hours are Monday through Friday, 8:a.mto 4:p.mCentral Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah
Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11784487, and find that this resolution is satisfactory to me I did receive the mailing that they said they sent out after I contacted youEverything was manually typed with handwritten notations and codes on it and a return label The handwritten notations appeared to be instructions on how to process the return once they receive itWithout a computer generated packing slip it looks like they have to figure out what to do
I am rejecting this response because: Please see the correct uploaded files showing timeline of all letter and responses received I received my TransUnion report dated 3/15/which clearly shows no comment of disputeI see that you are asking me to contact TransUnion I am making a final goodwill attempt to have you clear up this matterThe listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting
I am rejecting this response because: this is discriminatory when customer heat relay service they immediately hang up and other say we don't accept the relay calls hang up very rude I am going to file a EOCC this case because I have proof conversation that I can show lawyer and I did called before days policy I don't want lose my money I request for return and refundThank you
I am rejecting this response because: I did receive my correct order, but the data breach issue is not resolvedIt has been nearly a month, and I have received multiple calls and emails from Blair assuring me it has been corrected, but the attached files show my correct name and address in my account summary, but someone else's information attached to my orderI know my information is visible to the other customer, and I don't know if it is visible to anyone elseNo one at Blair seems capable of fixing this issue [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/07/22) */ CONFIDENTIAL COMMUNICATION July 21, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountMs [redacted] is a valued customer, and we regret any difficulty she experienced as a result of the changes to her credit line as described in the inquiry Strong performing accounts may be issued a credit line increase, either temporary or permanentIf purchases are made to the account while a temporary increase is in effect, the regular limit receives a permanent increase equal to the combined total of the purchasesIf no purchases are made, the temporary increase expires and the regular limit is restoredCustomers are sent reminders of the temporary increase by regular mail or email; this was the case with Ms [redacted] , and we apologize for any confusion these reminders may have caused Prior to the most recent temporary increase we issued, Ms [redacted] 's regular credit limit was set at $This is what we intended to explain with the first letter she states she received titled "Credit Update"; there was no expiration date given since it had to do with her regular fixed limit only On April 2, 2015, Ms [redacted] 's account was issued a temporary credit line increase of $(making her new, temporary limit $1004)This is what was explained in the second letter she states she received titled "Great News!"Included was the temporary increase expiration date of June 30, 2015, which Ms [redacted] confirms having seenIt intended to explain that however much of the $Ms [redacted] used for new purchases before the expiration date, she would receive the same amount as a permanent increase to her regular fixed limitIf she did not make any new purchases before the expiration date while still making on-time payments during that time, she would still receive a $permanent increase to her regular fixed limit Our records show that Ms [redacted] did not make any new purchases before the temporary increase expired on June 30, Because all of her payments were made on time, she did receive the $permanent increase on July 5, As a result, Ms [redacted] 's new fixed credit limit is $Unfortunately, the order Ms [redacted] attempted to place on July 4, for $was declined because the temporary increase had already expired, and she no longer had sufficient available credit for it We apologize, but we are unable to reinstate the previous increase because they are issued as a result of ongoing, systematic monitoring of account activity dataMs [redacted] will be notified if and when our system again determines her to be eligible for such an increase Thank you for the opportunity to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) The "ongoing, systematic monitoring of account activity data" is obviously not a part of your consumers understandingI am sure I am not the first person who has gotten mixed messages from your advertisingIf you state that there is a credit deadline on one letter & follow up with succeeding letters which state credit update in huge letters which have no deadlines on them, there is no way to draw an absolute conclusion about the processYour calculations may have an ongoing theory of operation but there is no way for the consumer to actively absolutely calculate what is available, meaning the final decision will be up to Fingerhut when & if they want to make allowances - the consumer will remain unsureIn addition, we really don't want to be breaking out our calculators to try & decide how much credit we may be getting (& whether or not we really have a deadline) - which by the way I did observe only on the first advertisementSo maybe you could be more consistent & less confusing about deadlines, that is, if you really want people to spend money - it would be helpfulSo - no I am not satisfied with your answer & you have lost a good customer
CONFIDENTIAL COMMUNICATION March 24, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] opened a WebBank/Fingerhut Advantage Credit Account on September 11, On that same date she purchased a Madison Park Beverly 7pc Comforter Set - Cal King, a Delray Diamond Hemstitch 6pc Sheet Set - Cal King, and an alcove Jacobean Vine 20-PcBedroom Set - Queen We received the first payment of $from Ms [redacted] on October 11, On November 3, Ms [redacted] purchased an Easy Steps II - Extra WideMs [redacted] made a payment of $on November 11, This amount did not satisfy the $34.99, which was the minimum amount due for the month of NovemberPlease note that when the full minimum amount due is not received by the due date, the minimum monthly payment amount due the next month will be higher and continue to be higher until the correct minimum amount due is received Ms [redacted] purchased a McLeland Design Electric Microplush Sherpa Blanket - Twin on November 23, Because of this purchase, her minimum amount due increasedWe received a payment of $on December 11, Again, this did not meet the minimum payment due of $Consequently, Ms [redacted] was charged a late fee in the amount of $ When Ms [redacted] opened her Fingerhut Account she ag [redacted] to the terms and conditions of the credit accountWithin these terms and conditions it states, "Late fees will be equal to your minimum payment due with a maximum of up to $The maximum amount will increase to $if you did not make your minimum payment on time in any one of the prior billing cycles." We received a payment of $on January 9, and an additional payment of $on January 11, This again did not meet the minimum amount due of $Ms [redacted] was charged a $late fee on January 11, As a courtesy to Ms [redacted] the $late fee that was charged on January 11, was waived We did not receive a payment in February or March of This resulted in two additional late fees on February 11, and March 11, Both of these late fees were the amount of $ Ms [redacted] states she does not receive her statement via mail or onlineOur records show Ms [redacted] receives electronic statements each month to the e-mail address, GIN [redacted] @yahoo.comIf she would like to receive statements mailed to her each month, she can sign up to receive them on our websiteOn Fingerhut.com, customers can go to My Account, and under the My Credit Account, they can update preferences to receive and view statements We have enclosed a copy of Ms***'s itemized statement to ensure a better understanding of her WebBank/Fingerhut Account Per Ms***'s request on March 24, her Fingerhut Account has been closedIf Ms***'s account was not paid in full when she closed it, her outstanding balances will continue to accrue interest and other charges and be subject to the terms and conditions of the AgreementShe will not be able to use her Account for any purchased effective immediately Ms [redacted] is responsible for payments on this accountHer current balance is $A minimum payment of $is due by April 11, Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION July 12, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut Advantage Account purchase from August 14, for a Frigidaire 30-Inch Freestanding Electric Range Ms [redacted] states she notified us immediately upon learning that the range was delivered damaged at her daughter’s residence, for whom she purchased itThe first representative advised they would begin the return process with additional follow up to Ms [redacted] at a later time, however, after a week of no further communication in this regard, Ms [redacted] contacted us againA different representative advised her to contact Frigidaire to initiate the return but, in doing so, Frigidaire referred her back to usMs [redacted] states we gave her further assurances we would handle this, but her daughter still has the range in her possession, and this issue has remained unresolved for ten monthsMs [redacted] requests that the range be picked up and the purchase price be credited back to her account in full, including any late fees assessed when she initially withheld payment awaiting our assistance to return it Please note that to return the range, there were additional steps involved beyond our regular handling, as it was shipped directly by the vendorMs [redacted] ’s daughter as the recipient should have received a packing slip insert at the time of delivery with the special return instructionsIn addition, a disclosure appeared on our website’s product overview page for this item which stated, “In order to ensure the best service for your new appliance, all service issues must be arranged with the vendorPlease see packing slip for further information.” Our records confirm that Ms [redacted] first notified us via phone on September 15, that the range arrived damagedThe representative advised that, while it could not be handled according to our standard return processes, they would refer the matter to our Vendor Support DepartmentThis was completed on September 17, when they sent a response to Ms [redacted] ’s email on file, [email protected], advising to contact the manufacturer, Frigidaire, for assistanceRegrettably, this was inaccurate information due to representative error, as Ms [redacted] should have been directed to the vendor-supplier, Almo Corporation When Ms [redacted] called on October 5, and the issue was again referred to vendor support, it was correctly handled the next day with our request to Almo to initiate a return on Ms [redacted] ’s behalfOn October 7, 2015, Almo responded by requesting pictures of the damageOn the same date, we sent another email to the same email above but, regrettably, it omitted that the vendor needed pictures and only advised the customer to “refer to their packing slip included with the appliance.” However, in a subsequent email sent to Ms [redacted] on November 2, 2015, we advised her to provide pictures of the damage and she could return these to usOur records show that we received the pictures on January 21, and forwarded them to Almo on the same date However, upon receiving Ms [redacted] ’s inquiry we became aware that after we provided the vendor with her pictures they did not contact herWe sincerely apologize for the excessive delays she has experienced, on our part and on behalf of the vendor As a remedy, we have issued an account credit for the electronic range’s full purchase price of $1,The related accrued interest charges have also been credited in the amount of $234.82, as well as two late fees credits for $eachThese have already applied to the account and will reflect on an upcoming statement for Ms [redacted] ’s recordsHer balance as of this response, which we confirm is fully accurate, is $1,190.14, and her adjusted minimum payment amount is $69.99, due by July 18, Because Ms [redacted] was also carrying, and continues to carry, an outstanding balance for other items she purchased, the previous payments she was making have been applied to the balance still owing so she is not subject to a refund for those past payments In addition and in the coming days, the freight carrier, MXD Group, will contact Ms [redacted] for piarrangement of the electric range, if they have not done so already Thank you for allowing us to assist and explainSincerely, Vi [redacted] Executive Care Team VF/ah
CONFIDENTIAL COMMUNICATION April 25, Revdex.com of Minnesota #: [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountOur records indicate that the late fee was applied on January 3, The Pioneer iPod/iPhone/CD/MPCar Stereo w/ Bluetooth was returned on January 7, On this same date, Ms [redacted] ’s account was credited for the amount she paid -- $The product price was $and shipping and handling was $13.99, totaling $263.98, however she had a $discountOn January 20, the late fee credit was issued for $and an interest charge of $The account charged off on July 15, Our return policy states that shipping and handling is nonrefundable on returnsHowever, our records confirm that on January 6, a representative offered to waive all chargesTherefore we have reversed the charge off and requested removal of the delinquency reporting from Ms [redacted] ’s credit reportThank you for allowing us to explainSincerely, Vi [redacted] Executive Care Team VF/jm [redacted]
Dear Ms [redacted] , Please see my attached letter to your office regarding [redacted] concerns My response exceeds the character limit so I have attached it to this inquiryThank you, Lea [redacted] Haband Customer Service Bluestem Brands, Inc
CONFIDENTIAL COMMUNICATION April 20, Revdex.com of Minnesota Customer #: [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut credit account purchase of an XBOX Console Bundle on February 6, We realize Ms [redacted] maintains that she never received the XBOXDue to UPS tracking number [redacted] reflecting that we met our delivery obligations for this item, a missing merchandise claim was initiated for Ms***, for which we requested a police report due to the significant monetary value involvedOn February 26, 2016, Ms [redacted] had emailed us the last remaining police report information needed to complete our investigationUnfortunately, the Metro Nashville Police Department would not confirm the information with our representative, and the representative sent Ms [redacted] an email reply on the same date stating, “We attempted to contact the Metro Nashville Police Department to verify the contents of your reportWe were told that in order to verify the information contained in the report, we would need a physical copyPlease obtain a copy of this report and fax it to us at ###-###-####, or you can mail it to Fingerhut Customer Service, [redacted] **., StCloud, MN 56303.” We recently made additional attempts to contact the precinct’s records department as a courtesy, but each time they were unavailableTo date, there is no record that we have yet received a paper copy of the police report from Ms***In order for us to finalize this process and possibly release Ms [redacted] from payment for the item, we will need to be able to confirm the police reportAs it is now in Ms***’s best interest, we strongly advise her to fax us a copy of the report to ###-###-#### or as an email attachment to [email protected] should allow up to days from the date she sends us the report for this process to be completed and receive notification by mail of the outcome, including any corrective adjustments to her credit filesThank you for allowing us to explainSincerely, Vi [redacted] Executive Care Team VF/ah
Initial Business Response / [redacted] (1000, 5, 2016/03/10) */ CONFIDENTIAL COMMUNICATION March 10, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] contacted Fingerhut on February 29, to place an order using a catalog that was mailed on January 19, As stated in the Blue Pages of the catalog under Prices "Prices and rates are good for days from the mail date of a catalog" We apologize but we are unable to honor the price of the crockpot that was offered in that catalog at this timeIf Ms [redacted] would like to place an order we advise her to call [redacted] or she may place her order online at www.Fingerhut.com We apologize for any inconvenience this may have causedThank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because:they fail to accecept the fact that billing statements and phone calls come from them,fingerhut continues to dial ###-###-#### in reference to mr [redacted] accountrude nasty people demanding I pay the bill myselffingerhut also says after months from the date of death they will stop, however it has been weeks after the months and they still continue .if fingerhut does not cease all comunications regarding mr [redacted] account I will obtain legal counsel and I will sue fingerhut for continued harassment
CONFIDENTIAL COMMUNICATION Dear Ms [redacted] , I am writing in response to the further inquiry we received from Ms [redacted] *** Ms [redacted] has filed police report # [redacted] online as she is currently out of the countryHowever, she feels further action to validate the account should not be necessary on her part due to disputing the account under the FCRA, so that we are in fact responsible for providing validationPlease see our full and detailed response to the follinquiry as a PDF attachmentSincerely, Vi ***Executive Care Team VF/ah
Initial Business Response / [redacted] (1000, 5, 2015/11/30) */ CONFIDENTIAL COMMUNICATION November 27, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] purchased an alcove Microwave Pantry on August 11, Ms [redacted] contacted Fingerhut on November 23, stating she was missing four of the hingesAt this time she was told it was over the day period, and we would not be able to send the hinges On November 27, a representative attempted to call Ms [redacted] to inform her that the inner and outer hinges are attached together with a small screw, and that, with this information, she should check her item again as she should have received all of the hinges If Ms [redacted] reviews her item and still has not been able to locate the additional hinges, she should call Fingerhut Customer Service at [redacted] , Monday through Friday 8AM-8PM Central Standard Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/10) */
CONFIDENTIAL COMMUNICATION July 7, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut Advantage Credit Account Ms [redacted] ’s complaint indicates that she was unable to make payments on our website on both June 7, and June 17, 2016, and that she is concerned about double payments being taken from her bank accountShe also indicated that she is being charged fees and is concerned about possible negative reports against her credit bureau report Our records indicate that both payments mentioned above, from June 7, and June 17, were returned by her bank with a “stop payment” reasonOur records also indicate that Ms [redacted] emailed us on June 24, to advise that her bank had stopped payment on both payments in error She requested that we consider removing the associated fees as an exception Our representatives responded to Ms [redacted] ’s emails on June 2016, advising her that we have removed the late fee of $and the returned check charge of $ Ms [redacted] did make a successful payment to her account on July 1, 2016, which satisfied her minimum amount due for this billing periodAs long as a successful payment is made before her account cycles on the 26th of the month, her account will be reported as current to the credit bureausAs of today’s date, this most recent payment appears to have posted without issue Thank you for this opportunity to explain Sincerely, Vi [redacted] Executive Care Team VF/ca