I am rejecting this response because: They stuck me with a pc knowing good and well that I called and they did not log the call correctly that is what I was told by 2 other customer service reps/
Initial Business Response / [redacted] (1000, 5, 2015/10/20) */ CONFIDENTIAL COMMUNICATION October 19, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] Jr, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] Jrregarding a WebBank/Fingerhut Advantage Credit Account Per the Account Terms and Conditions to which Mr [redacted] has agreed, "We may increase or reduce your credit limit, or suspend or terminate your Account at any time without causeWe will provide notice to you to the extent applicable by law." Any reduction, increase, or other change to the account's credit limit is the result of ongoing systematic monitoring of the account activity dataThis information may pertain to the customer's Fingerhut Account as well as their credit history as a whole Customers who show an overall strong performance with respect to credit may notice their Fingerhut Account has been given a credit line increase, either temporary or permanentBy placing an order or orders on their credit account during the time their temporary increase is in effect, the customer's regular credit limit is given a permanent increase matching the amount of the order(s), to a round dollar figureIf no orders are place within the applicable time frame, the temporary increase expires and the regular credit limit is restored In regards to Mr [redacted] 's concern that the credit increases may lower his credit score, unfortunately, credit reporting agencies do not reveal the exact details and inner-workings of their scoring systemsWhat is known are the basic components and attributes of a credit file that are influential determinants of the overall credit ratingIf our temporary credit increase would have any impact in this regard, it would be in relation to the "credit utilization" (also known as debt-to-credit-limit ratio), which is the percentage of available credit that has been borrowed While we feel this process does not have any long-term, unreasonable impact on our customers' credit ratings, we respect and accommodate customer requests to opt out of credit increases Our records indicate that Mr [redacted] 's credit was increased to $on June 3, On August 17, Mr [redacted] requested to opt out of temporary credit line increasesThis request could not be processed as Fingerhut requires customer's specify both temporary and permanent increases be frozen After another account review, Mr [redacted] was given an additional temporary increase on September 3, Mr [redacted] notified Fingerhut on September 10, that he no longer wanted any credit increases on the accountThis request was processed on September 23, and his credit limit was frozen at $ Per Mr [redacted] 's request, his WebBank/Fingerhut Advantage Credit Account was closed on September 27, We trust this explanation will meet Mr [redacted] 's expectations, and would like to apologize for any confusion this may have caused him Thank you for allowing us to explain 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 Ms [redacted] filed with your office regarding her WebBank/Gettington Credit Account Ms [redacted] ordered an air conditioner that “worked for days and then started to show error code E8,” and did not come with an owner’s manual so she called customer service for assistanceWhen the representative was unable to provide a phone number to the manufacturer or how to obtain the manual, she requested a supervisor, received a voicemail, left a message, but did not receive a callbackOn June 13, 2017, she called and was transferred to a live supervisor, who she states was “condescending” and fell short in providing the necessary assistanceMs [redacted] requests a full refund of the shipping and interest charges, a discount on a future purchase, and for MasterCraft Window Air Conditioner to be recalledPlease see the attached document for the full, detailed responseSincerely, Vi ***Executive Care Team VF/ah
CONFIDENTIAL COMMUNICATION January 12, # [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 FreshStart Account Ms [redacted] indicates she placed an order for a zebra print chair and upon receiving it there was a cut in the fabric of the chair and the Styrofoam was leaking out into the boxMs [redacted] states she contacted Fingerhut to resolve the issue and was advised she could return the item with the shipping label that was provided within daysMs [redacted] indicates the item was a giftMs [redacted] is requesting expedited shipping on the exchange Our records indicate Ms [redacted] contacted us on December 27, and advised us the item was received damaged and requested a package to return the item in as she no longer had the original shipping cartonThis item shipped directly to Ms [redacted] for our vendorMs [redacted] was advised we have no way of sending packing materials for her to return the item in and explained she could use a different box to return the item inThe agent also advised we were unable to do an exchange for the item because it is out of stockWe sincerely apologize for any inconvenience this may have caused Once the return is received full credit will be issued for the chairThe credit will be reflected on her monthly statement within 1-billing cycles after the return is receivedMs [redacted] should continue making payments according to her monthly billing statement for the item she is not returning If Ms [redacted] 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
I am rejecting this response because:I? was not notified about paying interest fee every month, I? thought that I? was paying my ordersi need for all my interest rate to be applied to my accountAlso was charged a late feee and at that time I? was in the hospital and I? was not able to make that payment on time.it is not fair for a custom to pay 11-dollars of interest fee if the customer is paying on time.it would take me months of payment to be able to see a reduced amount in my payments.thank you [redacted]
I am rejecting this response because: The agreement was that the payment was to be made by April 1, The second and third by May 1, and June 3, The March 30, payment came as that is when my check cameThis check is not scheduled due until the 1st of each monthWith the exceptions of the 1st being on a holiday or weekend, in these cases, the payment for said check is on the business day before the 1stThis resulted in the March 30, payment for April 1, April 1, was on a Sunday, the business day before was March 30, I would like the schedule to reflect the proper dates as I cannot pay when I do not have, and the due date on the account is the 1st of each month, not the 30th of the monthMy next pay is scheduled for May 1, 2018, this is due to both the payment due on account has been the 1st of each month, and my check not coming until the 1st of each month with the exceptions statedI do not have a guaranteed of each month payment as the funds are not thereWhen I do get my checks I do make payments at that timeSo if the payment is due on the 1st and the 1st would be a holiday (January for example) I would be paid the 31st, 30th, 29th or 28th (this is dependent on whether there is a weekend just before the 1st [which would be a Monday for the holiday, the Sunday and Saturday being before would put payment on the previous Friday])My check is guaranteed by the 1st of each monthAs stated, the March 30, was the Friday before April 1, (Sunday April 1, not business day, Saturday, March 31, not business day, Friday March 30, 2018, Business day before April 1, 2018)The next day guaranteed is Tuesday, May 1, This is why I had told the first of each monthI am not guaranteed that the check will be there on the thirtieth of April or of May
April 7, Revdex.com of Minnesota Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding his WebBank/Gettington credit account ending in ***We have included a statement of account activity and a copy of the Terms and Conditions Mr [redacted] states that he had an account with Gettington, paid the account in full and the account is still showing as derogatory on his credit reportMr [redacted] ’s desired resolution is to have the account removed from his credit report Our records indicate, on December 17, 2014, an application was processed over the internet using Mr [redacted] ’s personally identifiable informationOn that same day, an order was placed online for a Huffy Spider-Man Lights & Sounds Trike, Fila Misses’ Shimmer Jacket, CHI Air Texture 1-1/2" Ceramic Curling Iron, RoseArt Magic Fun Dough Volcano Playset, MD Sports Tabletop Air Hockey Game, Fisher Price Dora the Explorer Backpack, Sesame Street Color ’n Play Giant Playhouse, and a Skyrocket SkyViper QuadCopterThe merchandise was shipped via UPS to the same address as on the application We have received multiple payments on this account from a checking account ending in and a MasterCard debit card ending in both shown in the name of Nick [redacted] The last payment, totaling $49.02, was received on September 30, As no further payments were received, the unpaid balance of $charged off on May 5, and the account was sold to Resurgent Capital Services on June 1, According to an account review completed on April 7, Experian and Trans Union are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zeroEquifax is no longer reporting a trade line We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Mr [redacted] has questions about what Resurgent Capital Services may be reporting, he may contact them directly at ###-###-#### Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
I am rejecting this response because: They did not say it was just bugsThey said it was dust, mold or bugsAnd another thingTHEY WOULD HAVE HAD TO OPEN THE MACHINE TO SEE INSIDE IT AND THE SEAL FROM THE FACTORY OVER THE PLACE YOU OPEN IT WAS NOT BROKEN!!!!!!!!! THEY DID NOT OPEN THE MACHINE!!!!!!!!!!!!!!!!!! SO HOW COULD THEY HAVE KNOWN WHAT WAS INSIDE IT WITHOUT OPENING IT?????????????I REJECT THIS!!!!!!!!!
I am rejecting this response because: If this so called late payment is not reported to credit bureau then I'm ok with itI will not be ordering any longerI'm trying to rebuild my credit, not lower it
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 me.Respects,MrsL***
CONFIDENTIAL COMMUNICATION August 7, 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 rebuttal we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountWe take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issuesIn the interest of confidentiality, we have attached our response for the consumer to reviewSincerely, Vi ***Executive Care Team VF/jg
[redacted] Hello and I would like to respond to this complaint by first offering my sincerest apologizes for any inconvenience this may have caused the complainant? We did notify the complainant of this delinquent account, in writing on May -28-? We also offered the complainant payment arrangementsWe were notified by complainant to cease communications with her on July- 15-,and we did so immediately, and have not contacted nor will we contact complainant again in the future in regards to this account.Please have the complainant contact me directly if she needs anything else .Thanks,Nick?
CONFIDENTIAL COMMUNICATION April 11, # [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 AccountBased on our in depth review of Ms [redacted] ’s account, the last catalog Ms [redacted] received that offered deferred payments was mailed to her in December The deferral offer from that catalog was for monthsMs [redacted] placed the order for the ladder on February 22, The offer for deferred payments is determined by the date the catalog is mailed not when the order is placedThe catalog mailed in December and the deferral expired in MarchNo catalog number was given at the time the order was placedPlease understand Customer Service is one of our top prioritiesWe advised Ms [redacted] we would honor the deferral as a courtesy if Ms [redacted] could provide us with the specific information needed for the deferralMs [redacted] ’s statement cycles every month on the 9thThe minimum payment that is required by the due date is reflected on her monthly billing statementThe minimum payment is calculated based on the balance on the account at the time the statement cyclesOur records indicate Ms [redacted] is enrolled in e-statementsIf Ms [redacted] has any questions regarding the minimum payment due on her account or any other pertinent account information she may view her statement on-line by signing into her account on our websiteOn balances over $the minimum payment is 5% of the overall account balance and may fluctuate based on credits, payments, returns, etcAs the overall balance decreases on the account the minimum monthly payment amount will also decreaseSince Ms [redacted] did not allow the hour timeframe needed to ensure the payment cancellation prior to making another payment, both payments were processedAs stated previously, as a courtesy to Ms [redacted] we credited the fee for the returned check chargeIt is our customer’s responsibility to ensure they are viewing their monthly billing statements and that the payment they are making satisfies at least the minimum payment that is required each monthThank you for allowing us to explainSincerely, Vi [redacted] Executive Care Team VF/bw
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 AccountOur records indicate Ms [redacted] placed an order on our website on August 19, for the Beats by DrDre Studio Wireless Headphones in Red totaling $Interest charges are billed monthly when Ms***’s statement is printed per the terms and conditions of the accountAdditionally, Ms [redacted] enrolled in SafeLine Plus Account Protection at the time she applied for the account on our website on August 19, To enroll in SafeLine on our website is a two-step process which required Ms [redacted] to select that she wanted to enroll her Fingerhut credit account in SafeLine Plus and once enrolled, Ms [redacted] was required to agree to the terms and conditions of SafeLine PlusSafeLine Plus is an optional program designed to assist the customer in making their payments should the customer experience a covered event such as unemployment, disability, a major life event, or a change in primary residence impacting the account holder When a benefit application is received and approved, the plan will cover the current minimum payment due on a customer’s credit account during a covered event for to months, depending on the benefit For some benefit events, like death or foreclosure, SafeLine Plus will waive the entire balance as of the date of the event (up to the assigned credit limit) providing all conditions are metMs [redacted] would have also received the terms and conditions for SafeLine Plus within a few days of enrolling in the programSafeLine Plus fees have appeared under the fees section of each monthly statement from September 13, through March 13, It is the responsibility of our customers to review their billing statements each month regarding the charges and credits If our customers feel that there is an error in billing, we can review the error with our customer at that timeAdditionally, on the back of our monthly billing statements, under, “What to do if you think you find a mistake on your statement”, it states the address to write to, and also states: “You must contact us within days after the error appeared on your statement You must notify us in of any potential errors in writing” On April 15, Ms***’s account was credited in the amount of $for the SafeLine Plus fees she was billed in the last daysNo further credits will be issued for SafeLine PlusOur records also indicate Ms [redacted] was charged late fees on November 9, and January 9, in the amount of $each due to her minimum payment being received after the due date on the account per the terms and conditions she agreed to at the time she opened the accountMs [redacted] also received late fees on February 9, and April 9, in the amount of $eachIt is important to make the minimum payment on time by the due date each month to avoid late feesAs Ms [redacted] remained obligated to make at least the minimum payment due, we cannot remove the past due payment history that has been reported to the credit agenciesIt is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agenciesMs [redacted] is responsible for the remaining balance on her account of $Thank you for allowing us to assist and explainSincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because: this is a sick way of getting some money out of low income client. there is noway I should owe 53. plus dollars for returning they stuff and i'm asking you please don't let them get away with this. I will not pay them on dime.
CONFIDENTIAL COMMUNICATION January 12, 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 In Ms [redacted] ’s inquiry she states that she purchased a riding lawnmower and the item was defective so she returned the merchandise on September 22, Ms [redacted] is receiving telephone calls requesting payments for the returned merchandise Ms [redacted] states that Pilot picked up the merchandise after she contacted Fingerhut to have the return pick up scheduled Upon reviewing Ms [redacted] ’s account we are able to verify the Riding Lawnmower was picked up for a return on September 22, Unfortunately, there was gasoline and oil in the lawnmower causing the item to not be returned to our warehouse The request to scrap the merchandise was forwarded to the shipping manager and no further correspondence was received On January 11, a credit was issued to Ms [redacted] ’s account for $1,for the lawnmower and $in taxes We sincerely apologize for this oversight Furthermore, we have issued credits to Ms [redacted] ’s account totaling $in late fees and interest charges accrued, due to the credit not processing in a timely manner A request has been submitted for Ms [redacted] ’s credit status to be updated with the Credit Bureau We ask that Ms [redacted] allow to days for her report to be updated If Ms [redacted] 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/RG
I am rejecting this response because: My account was not in a current status after the three consecutive payments that were made the last being December 19,According to the terms of the companies agreement my account should have reflected as current because all of my payments were made on time if not earlyWhen I called on January 2,the last payment had been made at least days prior and my account was currentFingerhutDid not resolve their system to have it reflect the information until I filed this complaintevery month I made a payment and called about the balance that was still showing past dueEvery month I was told I was fine the system will update the information after the payment was madeI still have not received a replacement part for this defective item [redacted]
CONFIDENTIAL COMMUNICATION February 28, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge CircleBurnsville, 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 AccountIn Ms***’s inquiry, she states that we removed funds from her checking account that she did not give permission forMs [redacted] is looking for the money to be refunded to herOur records indicate Ms [redacted] set up a recurring payment schedule on March 9, with one of our customer service representativesThis schedule would pay the minimum amount due each month on the 3rd, and was set up to run from April 3, through March 3, On December 16, 2016, Ms***’s payment was returned to us unpaid, as a result, we contacted her on December 18, 2016, and Ms [redacted] scheduled a payment for $to be processed on January 5, During that same call, Ms [redacted] agreed to a payment schedule starting February 5, and ending November 5, 2017, to pay $each month Our records indicate Ms [redacted] provided consent for all payments When Ms [redacted] contacted us on February 7, 2017, as a courtesy, the duplicated payment of $was requested to be cancelledMs [redacted] was advised to allow to business days to have the payment reversed and applied to her accountOn February 13, the payment of $was reversedMs [redacted] should have seen this credit on her account in 4-business days from that dateThe recurring payment that was created March 9, has been deactivatedMs***’s current balance is $Her next payment is for March 5, in the amount of $As stated above, there is an active payment schedule in place for that amount, from her conversation with our representative on December 18, If Ms [redacted] 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-FridayThank you for allowing us to explainSincerely, Vi ***Executive Care Team VF/AH
I am rejecting this response because: They stuck me with a pc knowing good and well that I called and they did not log the call correctly that is what I was told by 2 other customer service reps/
Initial Business Response / [redacted] (1000, 5, 2015/10/20) */ CONFIDENTIAL COMMUNICATION October 19, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] Jr, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] Jrregarding a WebBank/Fingerhut Advantage Credit Account Per the Account Terms and Conditions to which Mr [redacted] has agreed, "We may increase or reduce your credit limit, or suspend or terminate your Account at any time without causeWe will provide notice to you to the extent applicable by law." Any reduction, increase, or other change to the account's credit limit is the result of ongoing systematic monitoring of the account activity dataThis information may pertain to the customer's Fingerhut Account as well as their credit history as a whole Customers who show an overall strong performance with respect to credit may notice their Fingerhut Account has been given a credit line increase, either temporary or permanentBy placing an order or orders on their credit account during the time their temporary increase is in effect, the customer's regular credit limit is given a permanent increase matching the amount of the order(s), to a round dollar figureIf no orders are place within the applicable time frame, the temporary increase expires and the regular credit limit is restored In regards to Mr [redacted] 's concern that the credit increases may lower his credit score, unfortunately, credit reporting agencies do not reveal the exact details and inner-workings of their scoring systemsWhat is known are the basic components and attributes of a credit file that are influential determinants of the overall credit ratingIf our temporary credit increase would have any impact in this regard, it would be in relation to the "credit utilization" (also known as debt-to-credit-limit ratio), which is the percentage of available credit that has been borrowed While we feel this process does not have any long-term, unreasonable impact on our customers' credit ratings, we respect and accommodate customer requests to opt out of credit increases Our records indicate that Mr [redacted] 's credit was increased to $on June 3, On August 17, Mr [redacted] requested to opt out of temporary credit line increasesThis request could not be processed as Fingerhut requires customer's specify both temporary and permanent increases be frozen After another account review, Mr [redacted] was given an additional temporary increase on September 3, Mr [redacted] notified Fingerhut on September 10, that he no longer wanted any credit increases on the accountThis request was processed on September 23, and his credit limit was frozen at $ Per Mr [redacted] 's request, his WebBank/Fingerhut Advantage Credit Account was closed on September 27, We trust this explanation will meet Mr [redacted] 's expectations, and would like to apologize for any confusion this may have caused him Thank you for allowing us to explain 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 Ms [redacted] filed with your office regarding her WebBank/Gettington Credit Account Ms [redacted] ordered an air conditioner that “worked for days and then started to show error code E8,” and did not come with an owner’s manual so she called customer service for assistanceWhen the representative was unable to provide a phone number to the manufacturer or how to obtain the manual, she requested a supervisor, received a voicemail, left a message, but did not receive a callbackOn June 13, 2017, she called and was transferred to a live supervisor, who she states was “condescending” and fell short in providing the necessary assistanceMs [redacted] requests a full refund of the shipping and interest charges, a discount on a future purchase, and for MasterCraft Window Air Conditioner to be recalledPlease see the attached document for the full, detailed responseSincerely, Vi ***Executive Care Team VF/ah
I am rejecting this response because: I will maintain this account open
CONFIDENTIAL COMMUNICATION January 12, # [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 FreshStart Account Ms [redacted] indicates she placed an order for a zebra print chair and upon receiving it there was a cut in the fabric of the chair and the Styrofoam was leaking out into the boxMs [redacted] states she contacted Fingerhut to resolve the issue and was advised she could return the item with the shipping label that was provided within daysMs [redacted] indicates the item was a giftMs [redacted] is requesting expedited shipping on the exchange Our records indicate Ms [redacted] contacted us on December 27, and advised us the item was received damaged and requested a package to return the item in as she no longer had the original shipping cartonThis item shipped directly to Ms [redacted] for our vendorMs [redacted] was advised we have no way of sending packing materials for her to return the item in and explained she could use a different box to return the item inThe agent also advised we were unable to do an exchange for the item because it is out of stockWe sincerely apologize for any inconvenience this may have caused Once the return is received full credit will be issued for the chairThe credit will be reflected on her monthly statement within 1-billing cycles after the return is receivedMs [redacted] should continue making payments according to her monthly billing statement for the item she is not returning If Ms [redacted] 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
I am rejecting this response because:I? was not notified about paying interest fee every month, I? thought that I? was paying my ordersi need for all my interest rate to be applied to my accountAlso was charged a late feee and at that time I? was in the hospital and I? was not able to make that payment on time.it is not fair for a custom to pay 11-dollars of interest fee if the customer is paying on time.it would take me months of payment to be able to see a reduced amount in my payments.thank you [redacted]
I am rejecting this response because: The agreement was that the payment was to be made by April 1, The second and third by May 1, and June 3, The March 30, payment came as that is when my check cameThis check is not scheduled due until the 1st of each monthWith the exceptions of the 1st being on a holiday or weekend, in these cases, the payment for said check is on the business day before the 1stThis resulted in the March 30, payment for April 1, April 1, was on a Sunday, the business day before was March 30, I would like the schedule to reflect the proper dates as I cannot pay when I do not have, and the due date on the account is the 1st of each month, not the 30th of the monthMy next pay is scheduled for May 1, 2018, this is due to both the payment due on account has been the 1st of each month, and my check not coming until the 1st of each month with the exceptions statedI do not have a guaranteed of each month payment as the funds are not thereWhen I do get my checks I do make payments at that timeSo if the payment is due on the 1st and the 1st would be a holiday (January for example) I would be paid the 31st, 30th, 29th or 28th (this is dependent on whether there is a weekend just before the 1st [which would be a Monday for the holiday, the Sunday and Saturday being before would put payment on the previous Friday])My check is guaranteed by the 1st of each monthAs stated, the March 30, was the Friday before April 1, (Sunday April 1, not business day, Saturday, March 31, not business day, Friday March 30, 2018, Business day before April 1, 2018)The next day guaranteed is Tuesday, May 1, This is why I had told the first of each monthI am not guaranteed that the check will be there on the thirtieth of April or of May
April 7, Revdex.com of Minnesota Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding his WebBank/Gettington credit account ending in ***We have included a statement of account activity and a copy of the Terms and Conditions Mr [redacted] states that he had an account with Gettington, paid the account in full and the account is still showing as derogatory on his credit reportMr [redacted] ’s desired resolution is to have the account removed from his credit report Our records indicate, on December 17, 2014, an application was processed over the internet using Mr [redacted] ’s personally identifiable informationOn that same day, an order was placed online for a Huffy Spider-Man Lights & Sounds Trike, Fila Misses’ Shimmer Jacket, CHI Air Texture 1-1/2" Ceramic Curling Iron, RoseArt Magic Fun Dough Volcano Playset, MD Sports Tabletop Air Hockey Game, Fisher Price Dora the Explorer Backpack, Sesame Street Color ’n Play Giant Playhouse, and a Skyrocket SkyViper QuadCopterThe merchandise was shipped via UPS to the same address as on the application We have received multiple payments on this account from a checking account ending in and a MasterCard debit card ending in both shown in the name of Nick [redacted] The last payment, totaling $49.02, was received on September 30, As no further payments were received, the unpaid balance of $charged off on May 5, and the account was sold to Resurgent Capital Services on June 1, According to an account review completed on April 7, Experian and Trans Union are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zeroEquifax is no longer reporting a trade line We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Mr [redacted] has questions about what Resurgent Capital Services may be reporting, he may contact them directly at ###-###-#### Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
I am rejecting this response because: They did not say it was just bugsThey said it was dust, mold or bugsAnd another thingTHEY WOULD HAVE HAD TO OPEN THE MACHINE TO SEE INSIDE IT AND THE SEAL FROM THE FACTORY OVER THE PLACE YOU OPEN IT WAS NOT BROKEN!!!!!!!!! THEY DID NOT OPEN THE MACHINE!!!!!!!!!!!!!!!!!! SO HOW COULD THEY HAVE KNOWN WHAT WAS INSIDE IT WITHOUT OPENING IT?????????????I REJECT THIS!!!!!!!!!
I am rejecting this response because: If this so called late payment is not reported to credit bureau then I'm ok with itI will not be ordering any longerI'm trying to rebuild my credit, not lower it
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 me.Respects,MrsL***
CONFIDENTIAL COMMUNICATION August 7, 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 rebuttal we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountWe take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issuesIn the interest of confidentiality, we have attached our response for the consumer to reviewSincerely, Vi ***Executive Care Team VF/jg
[redacted] Hello and I would like to respond to this complaint by first offering my sincerest apologizes for any inconvenience this may have caused the complainant? We did notify the complainant of this delinquent account, in writing on May -28-? We also offered the complainant payment arrangementsWe were notified by complainant to cease communications with her on July- 15-,and we did so immediately, and have not contacted nor will we contact complainant again in the future in regards to this account.Please have the complainant contact me directly if she needs anything else .Thanks,Nick?
CONFIDENTIAL COMMUNICATION April 11, # [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 AccountBased on our in depth review of Ms [redacted] ’s account, the last catalog Ms [redacted] received that offered deferred payments was mailed to her in December The deferral offer from that catalog was for monthsMs [redacted] placed the order for the ladder on February 22, The offer for deferred payments is determined by the date the catalog is mailed not when the order is placedThe catalog mailed in December and the deferral expired in MarchNo catalog number was given at the time the order was placedPlease understand Customer Service is one of our top prioritiesWe advised Ms [redacted] we would honor the deferral as a courtesy if Ms [redacted] could provide us with the specific information needed for the deferralMs [redacted] ’s statement cycles every month on the 9thThe minimum payment that is required by the due date is reflected on her monthly billing statementThe minimum payment is calculated based on the balance on the account at the time the statement cyclesOur records indicate Ms [redacted] is enrolled in e-statementsIf Ms [redacted] has any questions regarding the minimum payment due on her account or any other pertinent account information she may view her statement on-line by signing into her account on our websiteOn balances over $the minimum payment is 5% of the overall account balance and may fluctuate based on credits, payments, returns, etcAs the overall balance decreases on the account the minimum monthly payment amount will also decreaseSince Ms [redacted] did not allow the hour timeframe needed to ensure the payment cancellation prior to making another payment, both payments were processedAs stated previously, as a courtesy to Ms [redacted] we credited the fee for the returned check chargeIt is our customer’s responsibility to ensure they are viewing their monthly billing statements and that the payment they are making satisfies at least the minimum payment that is required each monthThank you for allowing us to explainSincerely, Vi [redacted] Executive Care Team VF/bw
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 AccountOur records indicate Ms [redacted] placed an order on our website on August 19, for the Beats by DrDre Studio Wireless Headphones in Red totaling $Interest charges are billed monthly when Ms***’s statement is printed per the terms and conditions of the accountAdditionally, Ms [redacted] enrolled in SafeLine Plus Account Protection at the time she applied for the account on our website on August 19, To enroll in SafeLine on our website is a two-step process which required Ms [redacted] to select that she wanted to enroll her Fingerhut credit account in SafeLine Plus and once enrolled, Ms [redacted] was required to agree to the terms and conditions of SafeLine PlusSafeLine Plus is an optional program designed to assist the customer in making their payments should the customer experience a covered event such as unemployment, disability, a major life event, or a change in primary residence impacting the account holder When a benefit application is received and approved, the plan will cover the current minimum payment due on a customer’s credit account during a covered event for to months, depending on the benefit For some benefit events, like death or foreclosure, SafeLine Plus will waive the entire balance as of the date of the event (up to the assigned credit limit) providing all conditions are metMs [redacted] would have also received the terms and conditions for SafeLine Plus within a few days of enrolling in the programSafeLine Plus fees have appeared under the fees section of each monthly statement from September 13, through March 13, It is the responsibility of our customers to review their billing statements each month regarding the charges and credits If our customers feel that there is an error in billing, we can review the error with our customer at that timeAdditionally, on the back of our monthly billing statements, under, “What to do if you think you find a mistake on your statement”, it states the address to write to, and also states: “You must contact us within days after the error appeared on your statement You must notify us in of any potential errors in writing” On April 15, Ms***’s account was credited in the amount of $for the SafeLine Plus fees she was billed in the last daysNo further credits will be issued for SafeLine PlusOur records also indicate Ms [redacted] was charged late fees on November 9, and January 9, in the amount of $each due to her minimum payment being received after the due date on the account per the terms and conditions she agreed to at the time she opened the accountMs [redacted] also received late fees on February 9, and April 9, in the amount of $eachIt is important to make the minimum payment on time by the due date each month to avoid late feesAs Ms [redacted] remained obligated to make at least the minimum payment due, we cannot remove the past due payment history that has been reported to the credit agenciesIt is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agenciesMs [redacted] is responsible for the remaining balance on her account of $Thank you for allowing us to assist and explainSincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because: this is a sick way of getting some money out of low income client. there is noway I should owe 53. plus dollars for returning they stuff and i'm asking you please don't let them get away with this. I will not pay them on dime.
CONFIDENTIAL COMMUNICATION January 12, 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 In Ms [redacted] ’s inquiry she states that she purchased a riding lawnmower and the item was defective so she returned the merchandise on September 22, Ms [redacted] is receiving telephone calls requesting payments for the returned merchandise Ms [redacted] states that Pilot picked up the merchandise after she contacted Fingerhut to have the return pick up scheduled Upon reviewing Ms [redacted] ’s account we are able to verify the Riding Lawnmower was picked up for a return on September 22, Unfortunately, there was gasoline and oil in the lawnmower causing the item to not be returned to our warehouse The request to scrap the merchandise was forwarded to the shipping manager and no further correspondence was received On January 11, a credit was issued to Ms [redacted] ’s account for $1,for the lawnmower and $in taxes We sincerely apologize for this oversight Furthermore, we have issued credits to Ms [redacted] ’s account totaling $in late fees and interest charges accrued, due to the credit not processing in a timely manner A request has been submitted for Ms [redacted] ’s credit status to be updated with the Credit Bureau We ask that Ms [redacted] allow to days for her report to be updated If Ms [redacted] 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/RG
Attached is our letter of response regarding the case of [redacted] ***If we can be of further assistance, please don't hesitate to contact us
I am rejecting this response because: My account was not in a current status after the three consecutive payments that were made the last being December 19,According to the terms of the companies agreement my account should have reflected as current because all of my payments were made on time if not earlyWhen I called on January 2,the last payment had been made at least days prior and my account was currentFingerhutDid not resolve their system to have it reflect the information until I filed this complaintevery month I made a payment and called about the balance that was still showing past dueEvery month I was told I was fine the system will update the information after the payment was madeI still have not received a replacement part for this defective item [redacted]
CONFIDENTIAL COMMUNICATION February 28, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge CircleBurnsville, 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 AccountIn Ms***’s inquiry, she states that we removed funds from her checking account that she did not give permission forMs [redacted] is looking for the money to be refunded to herOur records indicate Ms [redacted] set up a recurring payment schedule on March 9, with one of our customer service representativesThis schedule would pay the minimum amount due each month on the 3rd, and was set up to run from April 3, through March 3, On December 16, 2016, Ms***’s payment was returned to us unpaid, as a result, we contacted her on December 18, 2016, and Ms [redacted] scheduled a payment for $to be processed on January 5, During that same call, Ms [redacted] agreed to a payment schedule starting February 5, and ending November 5, 2017, to pay $each month Our records indicate Ms [redacted] provided consent for all payments When Ms [redacted] contacted us on February 7, 2017, as a courtesy, the duplicated payment of $was requested to be cancelledMs [redacted] was advised to allow to business days to have the payment reversed and applied to her accountOn February 13, the payment of $was reversedMs [redacted] should have seen this credit on her account in 4-business days from that dateThe recurring payment that was created March 9, has been deactivatedMs***’s current balance is $Her next payment is for March 5, in the amount of $As stated above, there is an active payment schedule in place for that amount, from her conversation with our representative on December 18, If Ms [redacted] 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-FridayThank you for allowing us to explainSincerely, Vi ***Executive Care Team VF/AH