Initial Business Response / [redacted] (1000, 5, 2015/11/12) */ CONFIDENTIAL COMMUNICATION November 12, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut credit accountWe have included the last three monthly statements and account activity Ms [redacted] states that she contacted Fingerhut on October 27th, to rectify a past due balance for September and OctoberShe also states that she requested a manager as the representative would not waive the late fee until the balance due of was paidShe further states that had she been aware late fees only applied to the balance and not the payment due she would have paid the balance due of $Ms***'s desired resolution is to have the any negative reporting from September and October removed According to our records the latest order placed on Ms***'s account was on May 16, 2015, in an amount totaling $ We have received several payments on Ms***'s account from a Visa debit card ending showing the name of [redacted] Marie [redacted] and a checking account ending The last payment was received on October 27, for $ According to our records we did not receive the minimum monthly payment due of $by September 24, When Ms***'s statement processed on September 28, it reflected a new minimum payment of $due by October 24, On October 16, 2015, Ms [redacted] made a $payment which left a remaining balance of $due by October 24, Our records indicate we were contacted by Ms [redacted] on October 27, regarding the status of her accountShe first spoke with a representative who advised her that a late fee could be credited to her balance if she made a payment of $43.98, which would bring her account currentIn response Ms [redacted] stated that she believed she only owed $asked to speak to a supervisorThe supervisor Ms [redacted] spoke with credited the late fee of $as a courtesy As of November 12, 2015, Ms***'s account is being reported with a balance of $with a past due of $ To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a minimum payment of $is due by November 24, Please note, late fees are applied and credited to the account balance and not the minimum payment due Our records further indicate that Ms***'s account is reporting accurately as "current/pays as agreed" for September and October If Ms [redacted] is unable to make the full minimum payment due, her account may qualify for a payment plan Ms [redacted] may contact our Billing Department at [redacted] to discuss payment optionsTheir hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is a reiteration of my original complaint and does not address the conduct of the customer service/billing team or the fact that I was told one thing and another thing occurred.I am not satisfied with the given response Final Business Response / [redacted] (4000, 9, 2015/11/24) */ CONFIDENTIAL COMMUNICATION November 23, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to a second inquiry received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut credit account In her original complaint Ms [redacted] stated that she contacted Fingerhut on October 27th, to rectify a past due balance for September and OctoberShe also stated that she requested a manager as the representative would not waive the late fee until the balance due of was paidShe further stated that had she been aware late fees only applied to the balance and not the payment due she would have paid the balance due of $Ms***'s desired resolution is to have any negative reporting from September and October removed In Ms***'s response dated November 13, 2015, she states that Fingerhut did not address the conduct of the customer service/billing team or the fact that she was told one thing and another thing occurred According to a review of the call recording on October 27, 2015, a representative advised Ms [redacted] that she could make a payment of $to bring the account current, and then the late fee could be credited to her balanceMs [redacted] stated that she believed she only owed due to the $late feeThe representative advised Ms [redacted] that late fees are only applied and credited to the account balanceMs [redacted] then asked to speak to a supervisor The supervisor credited the late fee of $as a courtesy and attempted to explain the impact of paying less than the minimum dueMs [redacted] indicated she made a $payment online and that she did not have additional money at this timeThe supervisor stated the $late fee had been removed from the account balance Fingerhut's goal is to provide professional customer service in all interactions and our representatives are trained accordinglyWe apologize if we have fallen short of Ms***'s expectations As stated in our response dated November 12, 2015, "Our records further indicate that Ms***'s account is reporting accurately as "current/pays as agreed" for September and October 2015." Based on the fact no further information was provided regarding your account, we consider this matter closed Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to mei guess there ain't nuttin I can do about it but why does it take going to the Revdex.com to get an honest responce from someone at there company is beyond me
I am rejecting this response because:It needs to be notedThe gentleman who contacted me had an attitude problem from the beginning of the conversationSo I terminated the conversationI stated to him the account was closed I would be doing no further business with his companyI will take care of my obligationsBut would not recommend Fingerhut to even my worst enemyIt’s customary with Fingerhut customer care to place you on hold instead of disconnect your calls so you cannot leave feedback on poor customer serviceI too have posted a complete audio and video log of my telecommunications with Fingerhut and their customer careThe videos are on both YouTube and FacebookAgain this case is closedIt took weeks to recieve a phone callMy business has proven to be unimportant to this companySo being so insignificant; I will do no further dealingsNo further response neededYour letter is clearly full of liesGood day
I am rejecting this response because:I been requested this account to be paidYou fail to recognize that your agents informed me that the account was charged off and they denied me to make a paymentI contacted Fingerhut in good faith last year to settle thisI informed you all that the bankruptcy was dismissed myselfIf I had no intention of making this account right, I would have never called fingerhut after a year debtEven when I spoke to them last month, they stated you can make a payment but its charged off, its pointlessYou are not accurately reporting anything to the credit bureausAll I wanted to do was make this right and settle this debt
CONFIDENTIAL COMMUNICATION November 23, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in regard to the inquiry we received from your office on behalf of [redacted] ’s WebBank/Fingerhut Advantage Credit Account Mr [redacted] states that when he received the LG 49” Smart TV from us the screen was brokenHe states that he was unable to use the return label that had been included with his package and was unable to get a prepaid return label from us to return the TVHe also states he wants a replacement TV sent to him and that the original TV was not properly packaged We apologize that Mr [redacted] had difficulty in obtaining a prepaid return label Our records indicate Mr [redacted] contacted us on multiple occasions to receive a prepaid return label, and that he was sent an incorrect label initiallyThe correct label was sent to him on November 11, We received the return of the TV on November 18, and an exact exchange was shipped out to him on that same dateThe tracking information for the replacement TV indicates it is in transit with Pilot Freight ServicesThe tracking/shipment number is [redacted] , and it has an estimated delivery date of December 6, We will pass along Mr [redacted] ’s concern about how the original TV was packaged, to the appropriate department If Mr [redacted] has additional questions or concerns, he may contact us via email at www.fingerhut.com/customerservice or by calling us at ###-###-####, between the hours of 8:00am and 8:00pm, Monday through Friday, Central Time Thank you for this opportunity to assist Sincerely, Vi [redacted] Executive Care Team
CONFIDENTIAL COMMUNICATION December 27, # [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 Ms [redacted] indicates she had previously requested that an order be deferred, that she was advised it would be done, but that it was notShe states that she has been emailing about it since October and that her account is past due, and it has impacted her credit report Our records indicate Ms [redacted] had a balance of $on her account before she made the October 12, The statement that was produced on October 6, indicated this balance, with a minimum payment of $due by November 2, Ms [redacted] then placed an order on our website on October 12, 2016, totaling $She contacted us on October 20, 2016, and her order was deferred Ms***’ November statement reflected this deferral, showing an amount of $as the New Deferred Balance in the Deferred Payment Summary sectionIn addition, the section of the statement labeled Interest Charge Calculation clearly defines the amount of deferred purchases and the amount of non-deferred purchases, including the interest charge for eachIn this case, the non-deferred purchase amount was $and the deferred purchase amount was $ On that same statement, Ms***’ Minimum Payment Due of $included a past due amount of $which was due on December 2, As a portion of the balance was non-deferred, a minimum payment was and is due on itAdditionally, each time the minimum amount due is not paid on time, a late fee may be assessed and the account may be reported delinquent to the credit bureaus, as outlined in the terms and conditions of the account Our records reflect that Ms***’ account currently has a minimum payment of $due by January 2, Ms [redacted] may make payment arrangements by contacting us at ###-###-####, between the hours of 7:00am and 9:00pm, CT Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team
CONFIDENTIAL COMMUNICATION January 24, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] s, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] s regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] s indicates she placed the order on December 12, at 10:PM and as such her order was placed within the time frame required to receive free shipping for her orderShe also states that the free nose trimmer was not located in a catalog but was offered on our website and said it would be applied at checkout and that there was no mention of an item number on our websiteMs [redacted] s also supplied the date for us to investigate further into her concerns regarding the Customer Service agent she spoke toShe also included pictures of the shipping label and the return reason form for the items she received that she did not order We have reviewed the information provided by Ms [redacted] s regarding the promotion for free shippingThe order confirmation email indicates that Ms [redacted] s order was placed at 10:PM Pacific TimeThe details for the promotion indicate the order must be placed no later than 11:PM Central Time and as such the shipping promotion had already expired prior to her order being placedAs a courtesy, we have credited the shipping and handling charges for this orderMs [redacted] s will see the credit reflected within 1-billing cycles on her billing statementAdditionally, the details for the free nose trimmer included the item number for the nose trimmer on our websiteOnce the hair trimmer and the nose trimmer were both added to the cart, the price for the nose trimmer would have been updated per the offer We were able to review the call recording with the information Ms [redacted] s provided regarding her concerns with the Customer Service agent she spoke withWe sincerely apologize that the representative was unprofessional in his interactions with Ms [redacted] sOur agents are accountable to meet our professional standards and avoid any instance which may cause our customers to feel they are not valued, heard or understoodWe appreciate Ms [redacted] s bringing this to our attention and value her feedback On January 20, we received the return of the incorrect items Ms [redacted] s returned to usHer account was credited in the amount of $for the itemsPlease allow 1-billing cycles for the credit to appear on her billing statement If Ms [redacted] s has further questions she 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 June 6, 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
I am rejecting this response because:Because not telling me that they stopping the collection with Jefferson and see why I just paid the settlement amount that was giving to meSo are they closing it on my credit report as zero balance/paid full settlement?
CONFIDENTIAL COMMUNICATION January 25, 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 In Ms***’s inquiry, she is stating that she does not see the $credited to her accountMs [redacted] is showing a cancelled payment of $ We have checked Ms***’s account further and can confirm that on the second page of her monthly statements, the payments processed and the credit given for the duplicated payment are appearing On Ms***’s December statement, on page two, it shows both of the $payments, both made on December 2, On page two of Ms***’s January statement it also shows an adjustment for a payment of $processed on December 16, This is the reversal of the second payment We have investigated the screenshot Ms [redacted] included with her complaint, and apologize for the confusion as we are displaying the most recent activity relative to the payments that occurred that dayWe appreciate Ms [redacted] sharing her feedback with us Ms [redacted] shows a cancelled payment on her bank transactionsThe transaction shows cancelled as this was the payment that was reversed We apologize for any inconvenience this may have caused to Ms***If she has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:am and 8:pm, Central Time, Monday-Friday Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/AH
Initial Business Response / [redacted] (1000, 5, 2016/02/04) */ CONFIDENTIAL COMMUNICATION February 4, # [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 Account We take claims of unauthorized account activity very seriously and have reviewed Ms [redacted] 's claimThe account matching Ms [redacted] 's name and other personal information was referred to our Credit Risk Department for investigation who advised us that they were already in contact with Ms [redacted] regarding the issue On January 29, a Credit Risk representative spoke with Ms [redacted] and explained to her that the account had been marked as fraud and that an affidavit of unordered merchandise sent for her to complete and return to us for our recordsAdditionally, she was informed that a pre-paid return label was sent so she could return the merchandise at no expense to herIf the merchandise is not returned, Ms [redacted] was correctly informed that we would require a police report to finalize the investigation and relieve her of the debt Our records indicate a total of three items were sent to Ms [redacted] 's address: an Alcove Fast Dry 10-Piece Towel Set, an Origami Paper Kit, and a Miraclebody by Sandra DAnkle JeanShe can return these items using the prepaid label that was sent to her Ms [redacted] can fax the completed affidavit to [redacted] , Attn: Credit Risk/FraudOnce the affidavit and items are returned, we will finalize the investigation and notify Ms [redacted] by mail of the outcome, including any corrective adjustments made to her credit filesShe should allow up to days from the date she sends back the merchandise and affidavit for this process to be completed We appreciate Ms [redacted] 's ongoing patience and cooperation with our efforts to resolve this matter Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah
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 further inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] states her bank has verified no changes have been made to account numbers and that based upon this information she would like her credit file to be updated As stated previously, we do not know the reason why Ms [redacted] ’s bank did not accept the paymentsIn order for us to further investigate her concerns, we need to receive verification from Ms [redacted] ’s financial institution that there have been no changes made to the bank routing number, bank name, or to Ms [redacted] ’s banking account information or numberThis verification may be completed by Ms [redacted] ’s financial institution and submitted to us by mail or by fax on the financial institution’s letterhead If by mail, please send to Executive Care Team Attn: Becky [redacted] Saint Cloud, MNor by fax to ###-###-#### Attn: BeckyAs a reminder, Ms [redacted] should include her 10-digit cr with the documentation she receives from her financial institutionOnce received, we will investigate further If Ms [redacted] has further questions or concerns she may contact our Customer Service Department 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 April 28, # [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 further inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] placed an order on our website on May 13, for the Men’s Diamore 10K Gold Diamond Wedding Band Size totaling $Her balance prior to this purchase according to her May 11, billing statement was $1,On May 20, a credit was issued for the shipping and handling charges for the ring in the amount of $which left a balance on the ring of $On June 4, we received the return of the ring and Ms [redacted] ’s account was credited for $Ms [redacted] ’s billing statement cycled on June 11, Since the June statement was the first statement that cycled after the purchase of the ring, both the charge for the ring as well as the credit for the return of the ring appear on the same statementMs [redacted] ’s account balance according to her June 11, billing statement was $1, Additionally, Ms [redacted] placed orders totaling $between November 2, and April 9, On March 11, Ms [redacted] ’s monthly billing statement reflected a minimum payment due of $by April 7, No payment was received and a late fee was assessed in the amount of $per the terms and conditions Ms [redacted] agreed to at the time she opened the accountOn April 11, her monthly statement reflected a minimum payment of $($for April and $for May) due by May 7, We have included a statement of account activity for Ms [redacted] ’s recordsIf, after reviewing the statement, Ms [redacted] has further questions regarding any returns, balance adjustments or has more information regarding items she states she did not receive she may contact our Executive Care Team at ###-###-#### for further assistance Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meChris told me the step stool was sent to me, I will call her in the morning to ask her the status of this shipmentI don't know what happened please write me tomorrow, thank you***
Initial Business Response / [redacted] (1000, 5, 2015/10/30) */ CONFIDENTIAL COMMUNICATION October 30, # [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 Account Ms [redacted] is a valued customer and we regret any difficulty she experienced with us relating to the payment issue outlined in the inquiryAll agents are accountable to meet our professional standards, and we apologize if these were not always lived up to with Ms [redacted] Our records confirm that Ms [redacted] 's payment referenced in the inquiry and made through her Bill Pay provider was received here on October 20, However, there was a delay in processing the payment due to being submitted with Ms [redacted] 's 10-digit Customer ID number instead of her 16-digit Account NumberOn October 22, we were able to match up and post the payment to Ms [redacted] 's accountOnce this processing was completed, the correct payment date was indicated by back-dating it to the received date of October 20, As a reminder, customers using a Bill Pay service to remit payments to us are required to provide their 16-digit WebBank/Fingerhut credit account number We appreciate Ms [redacted] making a second, separate payment on her due date of October 22, while we finished processing the bill pay paymentOur records show her bank put a stop payment on the second payment, likely after Ms [redacted] confirmed the bill pay payment had posted to her accountAlthough the stop payment resulted in a return payment fee being assessed, we have already credited it back to the account given the special circumstances involvedThe credit will reflect on Ms [redacted] 's next monthly statement for her records Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/11/12) */
CONFIDENTIAL COMMUNICATION April 25, # [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 AccountAs part of our in-depth review of Ms***’s account, we contacted our partner, Teleflora, on behalf of Ms***Per Teleflora, the florist made multiple attempts to deliver the flowers but the recipient was not homeIn addition to the florist leaving door tags for the recipient, the florist also made several phone calls to the recipient regarding the deliveryWhen the florist was contacted by the recipient the delivery was completed on February 15, Teleflora also advised they have no record of advising Ms [redacted] that a full refund would be completedTeleflora issued the credit for $prior to charge being submitted to FingerhutThe initial total for the flowers was $The amount Teleflora submitted to Fingerhut for billing purposes was $after the discount of $was applied by TelefloraOn Ms***’s March 13, billing statement there are two charges from TelefloraOne charge for $on February 14, and one charge totaling $on February 15, As a courtesy, Teleflora has issued a full credit in the amount of $which matches the amount she was billed on her Fingerhut accountMs [redacted] will see the credit reflected on a future billing statementThank you for allowing us to assist and explainSincerely, Vi [redacted] Executive Care Team VF/bw
Initial Business Response / [redacted] (1000, 8, 2015/08/13) */ CONFIDENTIAL COMMUNICATION August 13, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] -***, [redacted] I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Our records indicate Ms***'s first billing statement was printed on February 7, The minimum payment of $was due by March 3, A payment of $was received on February 27, On March 7, Ms***'s billing statement cycled and a new statement was sentThe minimum payment of $was due by April 3, A payment of $was received on March 13, On April 7, when Ms***'s statement cycled again, the minimum payment due by May 3, was $A payment was received of $on April 10, and $on April 27, On May 7, the statement cycled and a minimum payment of $was due by June 3, A payment was received on June 4, of $This payment was received after the due date listed and a late fee of $was assessed to her account per the terms and conditions she agreed to at the time the account was opened On June 7, a statement printed and the minimum payment of $was due by July 3, On June 15, 2015, Ms [redacted] contacted us and requested to change the due date on her accountThe due date was changed per her request to the 11th of each month and took effect on her July 15, billing statement due by August 11, She also requested the late fee of $to be creditedThe agent credited the late fee which is reflected on the billing statement that printed on July 15, A payment of $was received on July 5, This payment was also received after the due date listed which resulted in an additional late fee being assessed to the accountDue to a late fee being credited on June 15, no further late fees will be credited Our records show no promotion code was entered at the time the order was placed on our websiteAs a one time courtesy, we have credited $to Ms***'s accountThe credit will appear on a future statement Thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/bw Initial Consumer Rebuttal / [redacted] (3000, 10, 2015/08/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not agree with their stateentIf any of this were true why was I not charged a late fee for my payment on March 13th or April 10th? PNC Bank issured a check to be received by June 2ndI was told by Gettington they received my July payment on the 4th, now they are saying it was received on the 5thJuly 4th is a holiday and the 5th was a SundayNo mail was deliveed on either dayGettington receivd my payment on July 2nd according to PNC Bank.I want my account credited for the bogus late fee charge of $ Final Business Response / [redacted] (4000, 12, 2015/08/24) */ CONFIDENTIAL COMMUNICATION August 24, #XXXXXXXXXX Revdex.com of Minnesota Attn: [redacted] S [redacted] XXXXX Re: Case # [redacted] -***, [redacted] I am writing in response to further inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Ms***'s monthly billing statement dated March 7, 2015, indicated a minimum payment of $due by April 3, As Ms [redacted] states, we received a payment of $on March 13, 2015, which is prior to the April 3, due date, therefore Ms [redacted] did not incur a late fee Ms***'s monthly billing statement dated April 7, 2015, indicated a minimum payment of $due by May 3, As Ms [redacted] states, we received a payment of $on April 10, 2015, which is prior to the May 3, due date, therefore Ms [redacted] did not incur a late fee As previously stated, further credits will not be issuedMs***'s monthly billing statement dated August 15, 2015, indicates a balance of $with a minimum payment of $due by September 11, Thank you for allowing us to explain and assist Sincerely, [redacted] VF/ca
I am rejecting this response because: If you look at the documentation Fingerhut sent with there response,they have on the application with a social security number [redacted] and this isn't my SS numberMy last four number are *** And they stated an account was open on Novmber 23, in their reponse to Revdex.com on April and Julybut what they reported to the credit bureau they have account date open November 1, by FDCR law this account must be deleted cause is not mine and company is reporting incorrect and contradication information
CONFIDENTIAL COMMUNICATION September 20, 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 Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] states he purchased a 5-piece patio set and was only sent the tableHe states he contacted Fingerhut in regards to this issue and was told the chairs would be requestedFingerhut then contacted Mr [redacted] and informed him the patio set was advertised as a 5-piece set in errorHe states he was told he could either return the table or receive the chairs for a discounted priceMr [redacted] ’s desired outcome is to receive the chairs that were advertised with the table Our records indicate Mr [redacted] purchased an alcove Harper 5-pcPatio Dining Set on August 12, We received notification from Mr [redacted] on August 23, that he only received the tableAt this time he was told the product was advertised in error and the price only included the tableHe was told he could either return the item for full credit or Fingerhut would allow him to purchase the chairs at a discounted price On August 24, Mr [redacted] ordered an alcove Harper 4-pkPatio Chair SetA total of $was credited for this purchase After further reviewing Mr [redacted] ’s account, as a courtesy we have credited the price of the alcove Harper 4-pkPatio Chair Set to his accountHe will be able to see this credit on his next billing statement Although we make every effort to ensure accuracy of our information, occasional descriptive or typographical errors may occurWe apologize for this error in advertisement and would like to ensure Mr [redacted] this has been updated on our website If Mr [redacted] has any further questions he may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because: When I made phone call to Fingerhut, the lady told me that I needed to call back the same number I just called for the hold on accountThey are telling me it's for a phone number, when the account shows my correct number and an address that I've never lived atI have cancelled the accountAnd the company states that it can report good or bad credit to the credit agencies, however I have spoken with several Revdex.com's and attorneysThe company can not report good credit standing if cancelled,(even if they want) to ruin someone's good creditAs for a gift card to fix the situationI don't want their buisness, Reviews SPEAK for themselvesI know that my reviews are out there already!!!
Initial Business Response / [redacted] (1000, 5, 2015/11/12) */ CONFIDENTIAL COMMUNICATION November 12, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut credit accountWe have included the last three monthly statements and account activity Ms [redacted] states that she contacted Fingerhut on October 27th, to rectify a past due balance for September and OctoberShe also states that she requested a manager as the representative would not waive the late fee until the balance due of was paidShe further states that had she been aware late fees only applied to the balance and not the payment due she would have paid the balance due of $Ms***'s desired resolution is to have the any negative reporting from September and October removed According to our records the latest order placed on Ms***'s account was on May 16, 2015, in an amount totaling $ We have received several payments on Ms***'s account from a Visa debit card ending showing the name of [redacted] Marie [redacted] and a checking account ending The last payment was received on October 27, for $ According to our records we did not receive the minimum monthly payment due of $by September 24, When Ms***'s statement processed on September 28, it reflected a new minimum payment of $due by October 24, On October 16, 2015, Ms [redacted] made a $payment which left a remaining balance of $due by October 24, Our records indicate we were contacted by Ms [redacted] on October 27, regarding the status of her accountShe first spoke with a representative who advised her that a late fee could be credited to her balance if she made a payment of $43.98, which would bring her account currentIn response Ms [redacted] stated that she believed she only owed $asked to speak to a supervisorThe supervisor Ms [redacted] spoke with credited the late fee of $as a courtesy As of November 12, 2015, Ms***'s account is being reported with a balance of $with a past due of $ To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a minimum payment of $is due by November 24, Please note, late fees are applied and credited to the account balance and not the minimum payment due Our records further indicate that Ms***'s account is reporting accurately as "current/pays as agreed" for September and October If Ms [redacted] is unable to make the full minimum payment due, her account may qualify for a payment plan Ms [redacted] may contact our Billing Department at [redacted] to discuss payment optionsTheir hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is a reiteration of my original complaint and does not address the conduct of the customer service/billing team or the fact that I was told one thing and another thing occurred.I am not satisfied with the given response Final Business Response / [redacted] (4000, 9, 2015/11/24) */ CONFIDENTIAL COMMUNICATION November 23, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to a second inquiry received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut credit account In her original complaint Ms [redacted] stated that she contacted Fingerhut on October 27th, to rectify a past due balance for September and OctoberShe also stated that she requested a manager as the representative would not waive the late fee until the balance due of was paidShe further stated that had she been aware late fees only applied to the balance and not the payment due she would have paid the balance due of $Ms***'s desired resolution is to have any negative reporting from September and October removed In Ms***'s response dated November 13, 2015, she states that Fingerhut did not address the conduct of the customer service/billing team or the fact that she was told one thing and another thing occurred According to a review of the call recording on October 27, 2015, a representative advised Ms [redacted] that she could make a payment of $to bring the account current, and then the late fee could be credited to her balanceMs [redacted] stated that she believed she only owed due to the $late feeThe representative advised Ms [redacted] that late fees are only applied and credited to the account balanceMs [redacted] then asked to speak to a supervisor The supervisor credited the late fee of $as a courtesy and attempted to explain the impact of paying less than the minimum dueMs [redacted] indicated she made a $payment online and that she did not have additional money at this timeThe supervisor stated the $late fee had been removed from the account balance Fingerhut's goal is to provide professional customer service in all interactions and our representatives are trained accordinglyWe apologize if we have fallen short of Ms***'s expectations As stated in our response dated November 12, 2015, "Our records further indicate that Ms***'s account is reporting accurately as "current/pays as agreed" for September and October 2015." Based on the fact no further information was provided regarding your account, we consider this matter closed Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to mei guess there ain't nuttin I can do about it but why does it take going to the Revdex.com to get an honest responce from someone at there company is beyond me
I am rejecting this response because:It needs to be notedThe gentleman who contacted me had an attitude problem from the beginning of the conversationSo I terminated the conversationI stated to him the account was closed I would be doing no further business with his companyI will take care of my obligationsBut would not recommend Fingerhut to even my worst enemyIt’s customary with Fingerhut customer care to place you on hold instead of disconnect your calls so you cannot leave feedback on poor customer serviceI too have posted a complete audio and video log of my telecommunications with Fingerhut and their customer careThe videos are on both YouTube and FacebookAgain this case is closedIt took weeks to recieve a phone callMy business has proven to be unimportant to this companySo being so insignificant; I will do no further dealingsNo further response neededYour letter is clearly full of liesGood day
I am rejecting this response because:I been requested this account to be paidYou fail to recognize that your agents informed me that the account was charged off and they denied me to make a paymentI contacted Fingerhut in good faith last year to settle thisI informed you all that the bankruptcy was dismissed myselfIf I had no intention of making this account right, I would have never called fingerhut after a year debtEven when I spoke to them last month, they stated you can make a payment but its charged off, its pointlessYou are not accurately reporting anything to the credit bureausAll I wanted to do was make this right and settle this debt
CONFIDENTIAL COMMUNICATION November 23, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in regard to the inquiry we received from your office on behalf of [redacted] ’s WebBank/Fingerhut Advantage Credit Account Mr [redacted] states that when he received the LG 49” Smart TV from us the screen was brokenHe states that he was unable to use the return label that had been included with his package and was unable to get a prepaid return label from us to return the TVHe also states he wants a replacement TV sent to him and that the original TV was not properly packaged We apologize that Mr [redacted] had difficulty in obtaining a prepaid return label Our records indicate Mr [redacted] contacted us on multiple occasions to receive a prepaid return label, and that he was sent an incorrect label initiallyThe correct label was sent to him on November 11, We received the return of the TV on November 18, and an exact exchange was shipped out to him on that same dateThe tracking information for the replacement TV indicates it is in transit with Pilot Freight ServicesThe tracking/shipment number is [redacted] , and it has an estimated delivery date of December 6, We will pass along Mr [redacted] ’s concern about how the original TV was packaged, to the appropriate department If Mr [redacted] has additional questions or concerns, he may contact us via email at www.fingerhut.com/customerservice or by calling us at ###-###-####, between the hours of 8:00am and 8:00pm, Monday through Friday, Central Time Thank you for this opportunity to assist Sincerely, Vi [redacted] Executive Care Team
CONFIDENTIAL COMMUNICATION December 27, # [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 Ms [redacted] indicates she had previously requested that an order be deferred, that she was advised it would be done, but that it was notShe states that she has been emailing about it since October and that her account is past due, and it has impacted her credit report Our records indicate Ms [redacted] had a balance of $on her account before she made the October 12, The statement that was produced on October 6, indicated this balance, with a minimum payment of $due by November 2, Ms [redacted] then placed an order on our website on October 12, 2016, totaling $She contacted us on October 20, 2016, and her order was deferred Ms***’ November statement reflected this deferral, showing an amount of $as the New Deferred Balance in the Deferred Payment Summary sectionIn addition, the section of the statement labeled Interest Charge Calculation clearly defines the amount of deferred purchases and the amount of non-deferred purchases, including the interest charge for eachIn this case, the non-deferred purchase amount was $and the deferred purchase amount was $ On that same statement, Ms***’ Minimum Payment Due of $included a past due amount of $which was due on December 2, As a portion of the balance was non-deferred, a minimum payment was and is due on itAdditionally, each time the minimum amount due is not paid on time, a late fee may be assessed and the account may be reported delinquent to the credit bureaus, as outlined in the terms and conditions of the account Our records reflect that Ms***’ account currently has a minimum payment of $due by January 2, Ms [redacted] may make payment arrangements by contacting us at ###-###-####, between the hours of 7:00am and 9:00pm, CT Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team
CONFIDENTIAL COMMUNICATION January 24, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] s, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] s regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] s indicates she placed the order on December 12, at 10:PM and as such her order was placed within the time frame required to receive free shipping for her orderShe also states that the free nose trimmer was not located in a catalog but was offered on our website and said it would be applied at checkout and that there was no mention of an item number on our websiteMs [redacted] s also supplied the date for us to investigate further into her concerns regarding the Customer Service agent she spoke toShe also included pictures of the shipping label and the return reason form for the items she received that she did not order We have reviewed the information provided by Ms [redacted] s regarding the promotion for free shippingThe order confirmation email indicates that Ms [redacted] s order was placed at 10:PM Pacific TimeThe details for the promotion indicate the order must be placed no later than 11:PM Central Time and as such the shipping promotion had already expired prior to her order being placedAs a courtesy, we have credited the shipping and handling charges for this orderMs [redacted] s will see the credit reflected within 1-billing cycles on her billing statementAdditionally, the details for the free nose trimmer included the item number for the nose trimmer on our websiteOnce the hair trimmer and the nose trimmer were both added to the cart, the price for the nose trimmer would have been updated per the offer We were able to review the call recording with the information Ms [redacted] s provided regarding her concerns with the Customer Service agent she spoke withWe sincerely apologize that the representative was unprofessional in his interactions with Ms [redacted] sOur agents are accountable to meet our professional standards and avoid any instance which may cause our customers to feel they are not valued, heard or understoodWe appreciate Ms [redacted] s bringing this to our attention and value her feedback On January 20, we received the return of the incorrect items Ms [redacted] s returned to usHer account was credited in the amount of $for the itemsPlease allow 1-billing cycles for the credit to appear on her billing statement If Ms [redacted] s has further questions she 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 June 6, 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
I am rejecting this response because:Because not telling me that they stopping the collection with Jefferson and see why I just paid the settlement amount that was giving to meSo are they closing it on my credit report as zero balance/paid full settlement?
CONFIDENTIAL COMMUNICATION January 25, 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 In Ms***’s inquiry, she is stating that she does not see the $credited to her accountMs [redacted] is showing a cancelled payment of $ We have checked Ms***’s account further and can confirm that on the second page of her monthly statements, the payments processed and the credit given for the duplicated payment are appearing On Ms***’s December statement, on page two, it shows both of the $payments, both made on December 2, On page two of Ms***’s January statement it also shows an adjustment for a payment of $processed on December 16, This is the reversal of the second payment We have investigated the screenshot Ms [redacted] included with her complaint, and apologize for the confusion as we are displaying the most recent activity relative to the payments that occurred that dayWe appreciate Ms [redacted] sharing her feedback with us Ms [redacted] shows a cancelled payment on her bank transactionsThe transaction shows cancelled as this was the payment that was reversed We apologize for any inconvenience this may have caused to Ms***If she has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:am and 8:pm, Central Time, Monday-Friday Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/AH
Initial Business Response / [redacted] (1000, 5, 2016/02/04) */ CONFIDENTIAL COMMUNICATION February 4, # [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 Account We take claims of unauthorized account activity very seriously and have reviewed Ms [redacted] 's claimThe account matching Ms [redacted] 's name and other personal information was referred to our Credit Risk Department for investigation who advised us that they were already in contact with Ms [redacted] regarding the issue On January 29, a Credit Risk representative spoke with Ms [redacted] and explained to her that the account had been marked as fraud and that an affidavit of unordered merchandise sent for her to complete and return to us for our recordsAdditionally, she was informed that a pre-paid return label was sent so she could return the merchandise at no expense to herIf the merchandise is not returned, Ms [redacted] was correctly informed that we would require a police report to finalize the investigation and relieve her of the debt Our records indicate a total of three items were sent to Ms [redacted] 's address: an Alcove Fast Dry 10-Piece Towel Set, an Origami Paper Kit, and a Miraclebody by Sandra DAnkle JeanShe can return these items using the prepaid label that was sent to her Ms [redacted] can fax the completed affidavit to [redacted] , Attn: Credit Risk/FraudOnce the affidavit and items are returned, we will finalize the investigation and notify Ms [redacted] by mail of the outcome, including any corrective adjustments made to her credit filesShe should allow up to days from the date she sends back the merchandise and affidavit for this process to be completed We appreciate Ms [redacted] 's ongoing patience and cooperation with our efforts to resolve this matter Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah
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 further inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] states her bank has verified no changes have been made to account numbers and that based upon this information she would like her credit file to be updated As stated previously, we do not know the reason why Ms [redacted] ’s bank did not accept the paymentsIn order for us to further investigate her concerns, we need to receive verification from Ms [redacted] ’s financial institution that there have been no changes made to the bank routing number, bank name, or to Ms [redacted] ’s banking account information or numberThis verification may be completed by Ms [redacted] ’s financial institution and submitted to us by mail or by fax on the financial institution’s letterhead If by mail, please send to Executive Care Team Attn: Becky [redacted] Saint Cloud, MNor by fax to ###-###-#### Attn: BeckyAs a reminder, Ms [redacted] should include her 10-digit c
r with the documentation she receives from her financial institutionOnce received, we will investigate further If Ms [redacted] has further questions or concerns she may contact our Customer Service Department 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 April 28, # [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 further inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] placed an order on our website on May 13, for the Men’s Diamore 10K Gold Diamond Wedding Band Size totaling $Her balance prior to this purchase according to her May 11, billing statement was $1,On May 20, a credit was issued for the shipping and handling charges for the ring in the amount of $which left a balance on the ring of $On June 4, we received the return of the ring and Ms [redacted] ’s account was credited for $Ms [redacted] ’s billing statement cycled on June 11, Since the June statement was the first statement that cycled after the purchase of the ring, both the charge for the ring as well as the credit for the return of the ring appear on the same statementMs [redacted] ’s account balance according to her June 11, billing statement was $1, Additionally, Ms [redacted] placed orders totaling $between November 2, and April 9, On March 11, Ms [redacted] ’s monthly billing statement reflected a minimum payment due of $by April 7, No payment was received and a late fee was assessed in the amount of $per the terms and conditions Ms [redacted] agreed to at the time she opened the accountOn April 11, her monthly statement reflected a minimum payment of $($for April and $for May) due by May 7, We have included a statement of account activity for Ms [redacted] ’s recordsIf, after reviewing the statement, Ms [redacted] has further questions regarding any returns, balance adjustments or has more information regarding items she states she did not receive she may contact our Executive Care Team at ###-###-#### for further assistance Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meChris told me the step stool was sent to me, I will call her in the morning to ask her the status of this shipmentI don't know what happened please write me tomorrow, thank you***
Initial Business Response / [redacted] (1000, 5, 2015/10/30) */ CONFIDENTIAL COMMUNICATION October 30, # [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 Account Ms [redacted] is a valued customer and we regret any difficulty she experienced with us relating to the payment issue outlined in the inquiryAll agents are accountable to meet our professional standards, and we apologize if these were not always lived up to with Ms [redacted] Our records confirm that Ms [redacted] 's payment referenced in the inquiry and made through her Bill Pay provider was received here on October 20, However, there was a delay in processing the payment due to being submitted with Ms [redacted] 's 10-digit Customer ID number instead of her 16-digit Account NumberOn October 22, we were able to match up and post the payment to Ms [redacted] 's accountOnce this processing was completed, the correct payment date was indicated by back-dating it to the received date of October 20, As a reminder, customers using a Bill Pay service to remit payments to us are required to provide their 16-digit WebBank/Fingerhut credit account number We appreciate Ms [redacted] making a second, separate payment on her due date of October 22, while we finished processing the bill pay paymentOur records show her bank put a stop payment on the second payment, likely after Ms [redacted] confirmed the bill pay payment had posted to her accountAlthough the stop payment resulted in a return payment fee being assessed, we have already credited it back to the account given the special circumstances involvedThe credit will reflect on Ms [redacted] 's next monthly statement for her records Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/11/12) */
CONFIDENTIAL COMMUNICATION April 25, # [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 AccountAs part of our in-depth review of Ms***’s account, we contacted our partner, Teleflora, on behalf of Ms***Per Teleflora, the florist made multiple attempts to deliver the flowers but the recipient was not homeIn addition to the florist leaving door tags for the recipient, the florist also made several phone calls to the recipient regarding the deliveryWhen the florist was contacted by the recipient the delivery was completed on February 15, Teleflora also advised they have no record of advising Ms [redacted] that a full refund would be completedTeleflora issued the credit for $prior to charge being submitted to FingerhutThe initial total for the flowers was $The amount Teleflora submitted to Fingerhut for billing purposes was $after the discount of $was applied by TelefloraOn Ms***’s March 13, billing statement there are two charges from TelefloraOne charge for $on February 14, and one charge totaling $on February 15, As a courtesy, Teleflora has issued a full credit in the amount of $which matches the amount she was billed on her Fingerhut accountMs [redacted] will see the credit reflected on a future billing statementThank you for allowing us to assist and explainSincerely, Vi [redacted] Executive Care Team VF/bw
Initial Business Response / [redacted] (1000, 8, 2015/08/13) */ CONFIDENTIAL COMMUNICATION August 13, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] -***, [redacted] I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Our records indicate Ms***'s first billing statement was printed on February 7, The minimum payment of $was due by March 3, A payment of $was received on February 27, On March 7, Ms***'s billing statement cycled and a new statement was sentThe minimum payment of $was due by April 3, A payment of $was received on March 13, On April 7, when Ms***'s statement cycled again, the minimum payment due by May 3, was $A payment was received of $on April 10, and $on April 27, On May 7, the statement cycled and a minimum payment of $was due by June 3, A payment was received on June 4, of $This payment was received after the due date listed and a late fee of $was assessed to her account per the terms and conditions she agreed to at the time the account was opened On June 7, a statement printed and the minimum payment of $was due by July 3, On June 15, 2015, Ms [redacted] contacted us and requested to change the due date on her accountThe due date was changed per her request to the 11th of each month and took effect on her July 15, billing statement due by August 11, She also requested the late fee of $to be creditedThe agent credited the late fee which is reflected on the billing statement that printed on July 15, A payment of $was received on July 5, This payment was also received after the due date listed which resulted in an additional late fee being assessed to the accountDue to a late fee being credited on June 15, no further late fees will be credited Our records show no promotion code was entered at the time the order was placed on our websiteAs a one time courtesy, we have credited $to Ms***'s accountThe credit will appear on a future statement Thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/bw Initial Consumer Rebuttal / [redacted] (3000, 10, 2015/08/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not agree with their stateentIf any of this were true why was I not charged a late fee for my payment on March 13th or April 10th? PNC Bank issured a check to be received by June 2ndI was told by Gettington they received my July payment on the 4th, now they are saying it was received on the 5thJuly 4th is a holiday and the 5th was a SundayNo mail was deliveed on either dayGettington receivd my payment on July 2nd according to PNC Bank.I want my account credited for the bogus late fee charge of $ Final Business Response / [redacted] (4000, 12, 2015/08/24) */ CONFIDENTIAL COMMUNICATION August 24, #XXXXXXXXXX Revdex.com of Minnesota Attn: [redacted] S [redacted] XXXXX Re: Case # [redacted] -***, [redacted] I am writing in response to further inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Ms***'s monthly billing statement dated March 7, 2015, indicated a minimum payment of $due by April 3, As Ms [redacted] states, we received a payment of $on March 13, 2015, which is prior to the April 3, due date, therefore Ms [redacted] did not incur a late fee Ms***'s monthly billing statement dated April 7, 2015, indicated a minimum payment of $due by May 3, As Ms [redacted] states, we received a payment of $on April 10, 2015, which is prior to the May 3, due date, therefore Ms [redacted] did not incur a late fee As previously stated, further credits will not be issuedMs***'s monthly billing statement dated August 15, 2015, indicates a balance of $with a minimum payment of $due by September 11, Thank you for allowing us to explain and assist Sincerely, [redacted] VF/ca
I am rejecting this response because: If you look at the documentation Fingerhut sent with there response,they have on the application with a social security number [redacted] and this isn't my SS numberMy last four number are *** And they stated an account was open on Novmber 23, in their reponse to Revdex.com on April and Julybut what they reported to the credit bureau they have account date open November 1, by FDCR law this account must be deleted cause is not mine and company is reporting incorrect and contradication information
CONFIDENTIAL COMMUNICATION September 20, 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 Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] states he purchased a 5-piece patio set and was only sent the tableHe states he contacted Fingerhut in regards to this issue and was told the chairs would be requestedFingerhut then contacted Mr [redacted] and informed him the patio set was advertised as a 5-piece set in errorHe states he was told he could either return the table or receive the chairs for a discounted priceMr [redacted] ’s desired outcome is to receive the chairs that were advertised with the table Our records indicate Mr [redacted] purchased an alcove Harper 5-pcPatio Dining Set on August 12, We received notification from Mr [redacted] on August 23, that he only received the tableAt this time he was told the product was advertised in error and the price only included the tableHe was told he could either return the item for full credit or Fingerhut would allow him to purchase the chairs at a discounted price On August 24, Mr [redacted] ordered an alcove Harper 4-pkPatio Chair SetA total of $was credited for this purchase After further reviewing Mr [redacted] ’s account, as a courtesy we have credited the price of the alcove Harper 4-pkPatio Chair Set to his accountHe will be able to see this credit on his next billing statement Although we make every effort to ensure accuracy of our information, occasional descriptive or typographical errors may occurWe apologize for this error in advertisement and would like to ensure Mr [redacted] this has been updated on our website If Mr [redacted] has any further questions he may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because: When I made phone call to Fingerhut, the lady told me that I needed to call back the same number I just called for the hold on accountThey are telling me it's for a phone number, when the account shows my correct number and an address that I've never lived atI have cancelled the accountAnd the company states that it can report good or bad credit to the credit agencies, however I have spoken with several Revdex.com's and attorneysThe company can not report good credit standing if cancelled,(even if they want) to ruin someone's good creditAs for a gift card to fix the situationI don't want their buisness, Reviews SPEAK for themselvesI know that my reviews are out there already!!!