I am rejecting this response because: I did not receive any letter stating this account would be closedI had contacted the Attorney General and the Attorney General office told me that the business would have to send me a certified letter to close my account for inactivity since it affects my credit reportI never received any letters or notice and when I requested a book to be sent to me in October they did not say anything that this would be closed for in activitySince there were no certified letter sent to me I am requesting my account be reopened under the same account numberAlso I was told it was going to be reopened and that they would do a soft pull on my credit report This was done with Experian in the beginning of MarchThe representative told me that they pulled it and it would be reopenedNo I get this letter stating it notHow can they say they did not pull a credit report when it shows on my credit report
I am rejecting this response because: I received numerous items that I orderedHowever, as I stated before I did not receive the Madison Park Piedmont 7-piece Comforter setI contacted fingerhut alerting them to this matterI have email confirmation stating they received my affidavitI sent the affidavit in the time allowed before expiration of refundI haven't sent any thing new to fingerhut which proves they had the affidavit all along but never adjusted my bill accordinglyBefore I started this dispute they never acknowledged they even received the affidavitI was told each time I called that they never received an affidavit from meAll of a sudden it mysteriously appears but it's past the daysNo that's incorrect and I demand a refund immediately! The only thing this company is concerned about is getting paidStealing consumers money without providing proper service or productIt was in very bad taste to state my bill in the previous correspondence as that has nothing to do with not receiving my productIm not sure of the title of the person that is responding to this dispute but I find a lot of the wording very disturbing and not corporate likeI have been hung up on many times by the phone representatives of this company, transferred to departments that had nothing to do with my concerns just to get me off the phoneI have an item here at my home right now that I have called repeatedly about for returning and I haven't received a return request yet and I'm pretty sure i'll have to start another dispute with the Revdex.com among other agencies to get that taken care of as wellI am again requesting a speedy refund for the item I never received
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 reviewed and now its showing they are no longer charging for safe lineI will continue to pay but if I have any more issues with this company I am filing another complaintThere were several times I made a payment and the bill did not budgeTerrible company and I will be sure to let others know to never use this company when using credit
CONFIDENTIAL COMMUNICATION [redacted] ***, Jessup, Pennsylvania 18434- September 13, Revdex.com Attn: [redacted] S River Ridge Circle Burnsville, MN Re: [redacted] ID # [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of [redacted] regarding a Haband VIP Plus program Mr [redacted] states that on September 6, he found that the Haband VIP Plus program has been charging his Visa credit card account every month for the past months for $without his approval or knowledge He called a Haband VIP Plus customer service representative and was told that there would be no refund but he could cancel the service He called again and the representative told him that the membership was not cancelled and he would continue to be charged the monthly fee Mr***’s desired resolution is cancellation of the program and a refund of $ Our records indicate that an enrollment for the Haband VIP Plus program was accepted while placing a web order that was received on September 10, Mr [redacted] was presented with an opportunity to save $off his next Haband purchase, simply for trying a membership in our Haband VIP plus program At no time was Mr [redacted] ever obligated to accept this membership offer and his Haband purchase was not contingent upon him accepting the offer To enroll in this program, Mr [redacted] clicked on the offer and was taken to a web page that fully described the terms, benefits, and costs of Haband VIP Plus On this page he entered his email address, zip code and the “Join Now” button, activating a membership in Haband VIP Plus Had Mr [redacted] skipped any one of these steps, no membership would have been established Of course once enrolled the customer has the option to cancel their membership at any time with no further obligation We have contacted our partner company that administers our Haband VIP Plus program and have received confirmation that the membership has been cancelled on September 8, Mr [redacted] was fully refunded $ This refund consists of the trial fee of $and credits of the $monthly fee The credits were issued on September 14, to Visa Credit Card in which the payment was originally appliedIf Mr [redacted] has any further questions or concerns, he may contact Customer Service at ###-###-#### between am- pm (EST), Monday – SaturdayThank you for allowing us to explain Sincerely, Lea [redacted] Haband Customer Service Bluestem Brands, Inc
I am rejecting this response because: It makes no senseIf I were to contact the company to open an account, it would happen immediately and I'd have a credit line to spendBut because I want my account closed, they're jerking me aroundI will NEVER buy another thing from FingerhutTheir quality is terrible, prices are outrageous, and they don't stand behind their merchandiseSaying they "can't close an online account" is absolute baloney! No further action is requiredIt's a waste of time but you can bet everyone I know will be warned about Fingerhut and their bogus business practices
Initial Business Response / [redacted] (1000, 5, 2015/07/30) */ CONFIDENTIAL COMMUNICATION July 30, # [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 Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account As stated in the inquiry and supported by our records, Mr [redacted] ordered a Bounty Hunter Sharp Shooter II Detector Kit on July 6, The Order Line phone agent assisting him with placing the order applied promotion code 'E5474'This was for a ten percent discount in the amount of $18.40, and it was immediately deducted from the order total upon being placed Please understand that our order servicing system is designed to accept one promotion code per order, in accord with our policy on promotion codesIf Mr [redacted] had a second code for free shipping, it would not have qualified to be applied Mr [redacted] sent an email on July 21, inquiring why he did not receive free shipping on the order, since he had received an advertised offer from us for itOn July 24, an agent replied by email stating, in part, "At different times we will offer this promotion and in order to take advantage of it, the free shipping promo code would need to be entered on the orderIn addition, please note that only one promotional code can be applied to an order...however, as a one time exception, I am going to credit back the shipping on this order." As a reassurance to Mr***, he received an account credit for the $shipping costs on July 24, 2015; it will reflect on a future monthly statement for his records Thank you for allowing us the opportunity to explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) Fingerhut seems to have a problem with Mathematics? My Balance before I ordered was $The product at the time of order was,$183.99-10%=$They said they would waive the Shipping and Handling of $19.99.They have my Balance listed at, $because of thisIt should be,$Since this is leaving such a Bad Taste in my Mouth, I have until the 18th of August to return itThank-You, [redacted] Final Business Response / [redacted] (4000, 9, 2015/08/10) */ CONFIDENTIAL COMMUNICATION August 10, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] We agree that Mr***'s balance would be $after applying the ten percent discount and the free shipping/handling; however, the interest charge on his most recent billing cycle was $$is the correct end balance as it is the sum of $plus the monthly interest charge $is the correct interest charge for Mr***'s most recent billing cycleAs a reminder, interest will accrue monthly for as long as the account carries a balance, per the terms and conditions of the Agreement Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah
I am rejecting this response because: I never received this emailAt no point did they try to contact me via mail or telephoneWhich should be how ones contacted when a company has merchandise at a high value of a customersHad they made a second attempt via by mail or a phone call I would have responded immediatelyI have ordered from here before and paid off any balance I had prior to this orderI think this is as close to robbery as it can get legally and they should be ashamed of them selfThe same way they can contact you via threw mail and phone repeatedly when you owe them money is what they should do in my case but of course the consumer gets nothing and the company gets their merchandise and the moneyI'm disgusted and appalled that this could happen in
CONFIDENTIAL COMMUNICATION June 14, 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 Fingerhut/FreshStart Account Ms [redacted] claims she purchased a defective Keurig from FingerhutShe has requested prepaid postage labels to return the product however has not received themShe is wanting to return to product and be credited for what she has paid on her account Our records indicate Ms [redacted] purchased a Keurig KSingle-Serve Brewer on April 23, On May 6, Ms [redacted] contacted Fingerhut stating the Keurig was defective Fingerhut does require returns and exchanges to be made in accordance to our return policy, which states: “We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are nonrefundableComputers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchanges or accept returnsOther product concerns must be handled under the manufacturers’ warrantySoftware and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanges are permitted for the identical product only.” A return label would have been included in the original package, however on that same date a prepaid postage label was mailed to Ms [redacted] ’s address, [redacted] Harlingen, TX Ms [redacted] contacted Fingerhut on May 20, stating she never received the prepaid postage labelOn that same date, an additional postage label was mailed On June 14, a third prepaid postage label was mailed to Ms [redacted] She should allow to business days to receive the postage label Considering Ms [redacted] contacted Fingerhut within days of the purchase date we will issue her credit or exchange upon review of the item once received As Ms [redacted] is returning the Keurig to Fingerhut she is still required to make the minimum payments due on her accountAt this time the current balance on her account is $A minimum payment of $is due by June 20, Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because: It seems to be corrected for time beingShould I receive anything in additional it will be considered as harassment and I will contact an attorney about possible suit
Full response attachedCONFIDENTIAL COMMUNICATION: Ms [redacted] states that she has completed the FreshStart program successfully and should be eligible for a revolving account with a higher credit limit and no down-payment requirementOur records indicate Ms [redacted] had a late payment in July of which means she did not successfully complete the programShe may retry the program if she wishes
October 4, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: [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 account ending in ***We have included a statement account activity statement and Terms and Conditions Ms [redacted] states Fingerhut placed her account with another company and that she paid off the account to FingerhutMs [redacted] further states that since she paid the account off through Fingerhut, [redacted] ’s reporting should be removedMs [redacted] ’s desired resolution is to have both the Fingerhut and [redacted] trade lines removed from her credit reporting According to our records the WebBank/Fingerhut credit account ending in [redacted] was opened online on February 7, An order was placed on April 1, online for an iTower iPod Speaker SystemThe merchandise was shipped via FedEx to the address on the applicationThe most recent order, totaling $459.96, was placed on September 21, Fingerhut has received multiple payments from a checking account ending in [redacted] shown in the name of [redacted] The last payment of $was received on July 5, As there were no further payments received, the unpaid balance of $charged off on May 8, and the account was sold to [redacted] on May 29, Once an account is sold Fingerhut no longer owns or collects on the debt Our records indicate there two were payments made online after the account was sold to [redacted] Payments for $and $were made on June 27, and July 14, respectivelyAs Fingerhut no longer owned the account, these payments were forwarded to [redacted] the account owner Please note Fingerhut does not allow payments to be processed with representative after an account is soldIf a customer chooses to use the United States Postal Service and/or the internet to make a payment to Fingerhut on a sold account, those payments are expedited to the account owner 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 [redacted] ’s expectations According to an account review on October 3, 2016, Equifax, Experian and Transunion are reporting the account accurately as Transfer/Sold or Purchased by Another Lender with a zero balance We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Ms [redacted] ’s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Ms [redacted] has any additional questions regarding what [redacted] is reporting to the credit bureaus, she would need to contact [redacted] directly at ###-###-#### 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] I have made efforts to contact the Executive Customer Care Department at Fingerhut, and will continue to do so until such time that the business and I are able to communicate and agree on a resolution to this issueAt that time I will again address this letter to the Revdex.com and the response to the business' reply with a statement as to whether or not we have reached a satisfactory resolution at that timeI sincerely thank you for your time and efforts in this matter
I am rejecting this response because:I have already showed them proof that I contacted them before the daysAlso since I purchased the item from THEM, THEY should have taken care of the problem right away and let me return it, not made ME contact the manufacturer
April 22, 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 further inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountAs we have stated previously, Ms [redacted] purchased an LG TV on September 30, with a two year service place on December 3, For all concerns with the product Ms [redacted] should contact the products manufacturer, LG Support at ###-###-####Ms [redacted] ’s two year service plan begins on October 5, This plan is through NEW (Nation Extended Warranty)They can be contacted at ###-###-####Her warranty contact number is [redacted] At this time we have provided all available information to Ms [redacted] Fingerhut considers this matter closedSincerely, Vi [redacted] Executive Care Team VF/KS [redacted]
CONFIDENTIAL COMMUNICATION June 5, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , After reviewing Mr [redacted] ’s account, we show he contacted us on April 11, stating the drone was defectiveWe advised Mr [redacted] that he could still return the itemAt this time, the item was stuck in the tree, and Mr [redacted] would need to figure out a way to get it down, to return it On May 24, 2017, Mr [redacted] contacted our company again regarding the defective droneHe was then told, he was unable to return the item, due to the return window elapsing We apologize to Mr [redacted] , as when the email sent by him to our company was received, it was not handled correctlyWe are allowing Mr [redacted] to return the drone for a full refund and for any interest charged on the merchandise If Mr [redacted] has any further questions or concerns, he 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
Initial Business Response / [redacted] (1000, 5, 2015/10/29) */ CONFIDENTIAL COMMUNICATION October 29, 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 Ms [redacted] states that she made her June payment on June 2, Our records show a minimum due of $was due June 2, and we received $on May We show that we received a payment of $on June 26; this covered her July payment of $which was due July 2, She did not receive a late fee for this payment, as she brought her account current for JulyWe show that $was due by August When we did not receive a payment by this date, she received a late fee The due date for the customer is the 2nd of each month, and the cycle date is the 4th, meaning the statements are printed and sent out every 4th of the monthPayments received are applied accordingly to the cycle the account is in when we receive itThe customer may want to consider setting up automatic monthly payments to prevent any confusion or inconsistency for future payment datesMs [redacted] can call us at [redacted] to receive assistance in setting this up Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) In June Payments were madeOne on 6/and one on 6/The one on 6/I was paying for my July payment, but you credited towards another June paymentIn July I didn't make a payment, assuming I had already made my July payment and you assessed a late feeI made my regular payment for August on 7/30, still not knowing my account was in arrears and was assessed another late feeIn September, when I finally realized what was going on, I called in and spoke to several people, including a supervisorWho told me that they could not help me with the payment issue, even though I had made an extra payment and should not have had to make an extra payment again to make things right on this accountIT"S A FREAKING COMPUTER....YOU CAN MAKE IT DO ANYTHING YOU WANT! SO I made the one regular payment for SeptemberThey removed the late fees for July and AugustI then made another payment on 9/17, but it was days after the (due date)....so you is went and charged me another late fee, even though technically my account was NEVER late with the extra payment that I had made in June! That is why I had requested my account to be closed....which it has not been! And for you to remove the late fee assessed in September, which it has not been! And to remove any negative credit reporting! Final Business Response / [redacted] (4000, 11, 2015/11/16) */ CONFIDENTIAL COMMUNICATION November 16, 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 Ms [redacted] states that she made two payments in June, the first on June 2nd, and the second on June 18thMs [redacted] did not specify the payment amountsOur records indicate the only payment we received in June was for $on June 26thThis payment satisfied the minimum of $due by July 2nd, bringing her account current Ms [redacted] states she made another payment on July 30, which our records do not reflectThe next payment received was not until August 15th, in the amount of $As Ms [redacted] 's due date was August 2, she received a late fee Ms [redacted] further states that she made an additional payment on September 17th, "two days after the due date", and that she received a late feeHowever, we do not show that we received any payments in September Per the customer's request, the account has been closed To clarify to Ms [redacted] , her Fingerhut Advantage Credit Account is an open-end/revolving account, and does not allow the option to pay it aheadA payment exceeding the minimum amount due and/or multiple payments made within the same billing cycle may only satisfy the payment required for that month and that month onlyAs a resolution to this limitation, we recommend that she consider activating an "automatic recurring payment schedule." Many customers feel this provides them the assurance of meeting their monthly payment obligation while also freeing them from any extra time or trouble associated with making an individual payment each month Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm
I am rejecting this response because: First of all, thank you so much for looking into this situationMuch appreciated! I am rejecting their response for a couple of reasonsAccording to the company's reply, I will see these future credits on my next statement, "being printed on August 9th." However, I just received a monthly statement from them, still with the total being owed of $152.15, with the due date of July 29thBut yet, on their reply, it states that I still will owe $32.17, with the due date of August 5th Until I receive their next billing, after August 9th, I would not have any notice except for this current attached reply of having any credits or money currently owed.I would also like to know what this "new" amount of $if for, as I have completely paid for the Armitron Ladies Swarovski Crystal watch and bracelet? By the way, if you check with their online catalog, you will still see this item ( [redacted] ) is still available with no mention of Holsted or a continuing jewlery program/obligation Thank you so much again, and I will look forward to your responseCarmen ALee
CONFIDENTIAL COMMUNICATION May 1, 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 a WebBank/Fingerhut credit account in the name of [redacted] Mr [redacted] states that he notified Fingerhut that Mr [redacted] had passed on December 27, Mr [redacted] goes on to state that he continues to receive statements and phone calls regarding Mr [redacted] ’s accountMr***’s desired resolution is to have no further contact regarding Mr [redacted] ’s account Our records indicate that Fingerhut may have been sending correspondence to an address associated with Mr [redacted] Fingerhut credit account [redacted] Based on our research, we were unable to locate any record of Fingerhut reaching out to Mr***, at any of the phone numbers currently associated with his account, regarding Mr [redacted] ’s account We empathize and express our condolences in regards to Mr***’s situation, however as we do not show Mr [redacted] as a power of attorney for Mr [redacted] we unable to confirm any information regarding Mr [redacted] ’s account If Mr [redacted] has any further concerns, he may contact the Fingerhut Executive Care Team at ###-###-####Their hours are Monday – Friday 8:00am – 4:30pm Central Standard Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa
CONFIDENTIAL COMMUNICATION December 21, 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 recent inquiry that we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Ms [redacted] states the PlayStation she ordered had a scheduled delivery date of December 6, 2016, but it was not delivered and she never received itWhen she notified customer service, the representative advised to complete and return the affidavit they were sending, though Ms [redacted] did not receive the affidavitMs [redacted] does not want to be billed for an item she never received and requests this be resolved Our records indicate Ms [redacted] ordered a Sony PSwith Uncharteredgame on November 30, United Parcel Service tracking # [redacted] reflects they delivered it to ‘Front Door’ on December 6, at 4:p.mlocal time On the same date, Ms [redacted] called notifying she did not receive it, and the representative advised to allow more time as sometimes packages are found nearby or left in a concealed location on the premises to prevent theftOn December 9, 2016, Ms [redacted] called stating the package had not been found/received, and the representative sent a ‘merchandise not received’ affidavit to her address on file of [redacted] Philadelphia, PA A second affidavit was sent regular mail on December 12, per Ms [redacted] ’s request On December 13, 2016, we received the completed affidavit via an email attachment, and on the same date sent an email reply advising the claim was denied pending a police report given the significant monetary valueMs [redacted] called on the same date and the representative provided a fax number to fax the police report as wellTo date, we have no record of receiving the police report, and once received, we will proceed with finalizing the investigation, including any adjustments to Ms [redacted] ’s account at that time She may fax the report to ###-###-####, Attn: MNR Claims or email it to [email protected] Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/a
Full response attachedCONFIDENTIAL COMMUNICATION: The payment Ms [redacted] ' son attempted to make was reversed with a reason of Account InvalidHe may send in documentation, if available, showing that the payment was actually processedMs [redacted] still has a balance that she is responsible to pay for
I am rejecting this response because: I did not receive any letter stating this account would be closedI had contacted the Attorney General and the Attorney General office told me that the business would have to send me a certified letter to close my account for inactivity since it affects my credit reportI never received any letters or notice and when I requested a book to be sent to me in October they did not say anything that this would be closed for in activitySince there were no certified letter sent to me I am requesting my account be reopened under the same account numberAlso I was told it was going to be reopened and that they would do a soft pull on my credit report This was done with Experian in the beginning of MarchThe representative told me that they pulled it and it would be reopenedNo I get this letter stating it notHow can they say they did not pull a credit report when it shows on my credit report
I am rejecting this response because: I received numerous items that I orderedHowever, as I stated before I did not receive the Madison Park Piedmont 7-piece Comforter setI contacted fingerhut alerting them to this matterI have email confirmation stating they received my affidavitI sent the affidavit in the time allowed before expiration of refundI haven't sent any thing new to fingerhut which proves they had the affidavit all along but never adjusted my bill accordinglyBefore I started this dispute they never acknowledged they even received the affidavitI was told each time I called that they never received an affidavit from meAll of a sudden it mysteriously appears but it's past the daysNo that's incorrect and I demand a refund immediately! The only thing this company is concerned about is getting paidStealing consumers money without providing proper service or productIt was in very bad taste to state my bill in the previous correspondence as that has nothing to do with not receiving my productIm not sure of the title of the person that is responding to this dispute but I find a lot of the wording very disturbing and not corporate likeI have been hung up on many times by the phone representatives of this company, transferred to departments that had nothing to do with my concerns just to get me off the phoneI have an item here at my home right now that I have called repeatedly about for returning and I haven't received a return request yet and I'm pretty sure i'll have to start another dispute with the Revdex.com among other agencies to get that taken care of as wellI am again requesting a speedy refund for the item I never received
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 reviewed and now its showing they are no longer charging for safe lineI will continue to pay but if I have any more issues with this company I am filing another complaintThere were several times I made a payment and the bill did not budgeTerrible company and I will be sure to let others know to never use this company when using credit
CONFIDENTIAL COMMUNICATION [redacted] ***, Jessup, Pennsylvania 18434- September 13, Revdex.com Attn: [redacted] S River Ridge Circle Burnsville, MN Re: [redacted] ID # [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of [redacted] regarding a Haband VIP Plus program Mr [redacted] states that on September 6, he found that the Haband VIP Plus program has been charging his Visa credit card account every month for the past months for $without his approval or knowledge He called a Haband VIP Plus customer service representative and was told that there would be no refund but he could cancel the service He called again and the representative told him that the membership was not cancelled and he would continue to be charged the monthly fee Mr***’s desired resolution is cancellation of the program and a refund of $ Our records indicate that an enrollment for the Haband VIP Plus program was accepted while placing a web order that was received on September 10, Mr [redacted] was presented with an opportunity to save $off his next Haband purchase, simply for trying a membership in our Haband VIP plus program At no time was Mr [redacted] ever obligated to accept this membership offer and his Haband purchase was not contingent upon him accepting the offer To enroll in this program, Mr [redacted] clicked on the offer and was taken to a web page that fully described the terms, benefits, and costs of Haband VIP Plus On this page he entered his email address, zip code and the “Join Now” button, activating a membership in Haband VIP Plus Had Mr [redacted] skipped any one of these steps, no membership would have been established Of course once enrolled the customer has the option to cancel their membership at any time with no further obligation We have contacted our partner company that administers our Haband VIP Plus program and have received confirmation that the membership has been cancelled on September 8, Mr [redacted] was fully refunded $ This refund consists of the trial fee of $and credits of the $monthly fee The credits were issued on September 14, to Visa Credit Card in which the payment was originally appliedIf Mr [redacted] has any further questions or concerns, he may contact Customer Service at ###-###-#### between am- pm (EST), Monday – SaturdayThank you for allowing us to explain Sincerely, Lea [redacted] Haband Customer Service Bluestem Brands, Inc
I am rejecting this response because: It makes no senseIf I were to contact the company to open an account, it would happen immediately and I'd have a credit line to spendBut because I want my account closed, they're jerking me aroundI will NEVER buy another thing from FingerhutTheir quality is terrible, prices are outrageous, and they don't stand behind their merchandiseSaying they "can't close an online account" is absolute baloney! No further action is requiredIt's a waste of time but you can bet everyone I know will be warned about Fingerhut and their bogus business practices
Initial Business Response / [redacted] (1000, 5, 2015/07/30) */ CONFIDENTIAL COMMUNICATION July 30, # [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 Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account As stated in the inquiry and supported by our records, Mr [redacted] ordered a Bounty Hunter Sharp Shooter II Detector Kit on July 6, The Order Line phone agent assisting him with placing the order applied promotion code 'E5474'This was for a ten percent discount in the amount of $18.40, and it was immediately deducted from the order total upon being placed Please understand that our order servicing system is designed to accept one promotion code per order, in accord with our policy on promotion codesIf Mr [redacted] had a second code for free shipping, it would not have qualified to be applied Mr [redacted] sent an email on July 21, inquiring why he did not receive free shipping on the order, since he had received an advertised offer from us for itOn July 24, an agent replied by email stating, in part, "At different times we will offer this promotion and in order to take advantage of it, the free shipping promo code would need to be entered on the orderIn addition, please note that only one promotional code can be applied to an order...however, as a one time exception, I am going to credit back the shipping on this order." As a reassurance to Mr***, he received an account credit for the $shipping costs on July 24, 2015; it will reflect on a future monthly statement for his records Thank you for allowing us the opportunity to explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) Fingerhut seems to have a problem with Mathematics? My Balance before I ordered was $The product at the time of order was,$183.99-10%=$They said they would waive the Shipping and Handling of $19.99.They have my Balance listed at, $because of thisIt should be,$Since this is leaving such a Bad Taste in my Mouth, I have until the 18th of August to return itThank-You, [redacted] Final Business Response / [redacted] (4000, 9, 2015/08/10) */ CONFIDENTIAL COMMUNICATION August 10, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] We agree that Mr***'s balance would be $after applying the ten percent discount and the free shipping/handling; however, the interest charge on his most recent billing cycle was $$is the correct end balance as it is the sum of $plus the monthly interest charge $is the correct interest charge for Mr***'s most recent billing cycleAs a reminder, interest will accrue monthly for as long as the account carries a balance, per the terms and conditions of the Agreement Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah
I am rejecting this response because: I never received this emailAt no point did they try to contact me via mail or telephoneWhich should be how ones contacted when a company has merchandise at a high value of a customersHad they made a second attempt via by mail or a phone call I would have responded immediatelyI have ordered from here before and paid off any balance I had prior to this orderI think this is as close to robbery as it can get legally and they should be ashamed of them selfThe same way they can contact you via threw mail and phone repeatedly when you owe them money is what they should do in my case but of course the consumer gets nothing and the company gets their merchandise and the moneyI'm disgusted and appalled that this could happen in
CONFIDENTIAL COMMUNICATION June 14, 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 Fingerhut/FreshStart Account Ms [redacted] claims she purchased a defective Keurig from FingerhutShe has requested prepaid postage labels to return the product however has not received themShe is wanting to return to product and be credited for what she has paid on her account Our records indicate Ms [redacted] purchased a Keurig KSingle-Serve Brewer on April 23, On May 6, Ms [redacted] contacted Fingerhut stating the Keurig was defective Fingerhut does require returns and exchanges to be made in accordance to our return policy, which states: “We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are nonrefundableComputers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchanges or accept returnsOther product concerns must be handled under the manufacturers’ warrantySoftware and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanges are permitted for the identical product only.” A return label would have been included in the original package, however on that same date a prepaid postage label was mailed to Ms [redacted] ’s address, [redacted] Harlingen, TX Ms [redacted] contacted Fingerhut on May 20, stating she never received the prepaid postage labelOn that same date, an additional postage label was mailed On June 14, a third prepaid postage label was mailed to Ms [redacted] She should allow to business days to receive the postage label Considering Ms [redacted] contacted Fingerhut within days of the purchase date we will issue her credit or exchange upon review of the item once received As Ms [redacted] is returning the Keurig to Fingerhut she is still required to make the minimum payments due on her accountAt this time the current balance on her account is $A minimum payment of $is due by June 20, Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because: It seems to be corrected for time beingShould I receive anything in additional it will be considered as harassment and I will contact an attorney about possible suit
Full response attachedCONFIDENTIAL COMMUNICATION: Ms [redacted] states that she has completed the FreshStart program successfully and should be eligible for a revolving account with a higher credit limit and no down-payment requirementOur records indicate Ms [redacted] had a late payment in July of which means she did not successfully complete the programShe may retry the program if she wishes
October 4, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: [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 account ending in ***We have included a statement account activity statement and Terms and Conditions Ms [redacted] states Fingerhut placed her account with another company and that she paid off the account to FingerhutMs [redacted] further states that since she paid the account off through Fingerhut, [redacted] ’s reporting should be removedMs [redacted] ’s desired resolution is to have both the Fingerhut and [redacted] trade lines removed from her credit reporting According to our records the WebBank/Fingerhut credit account ending in [redacted] was opened online on February 7, An order was placed on April 1, online for an iTower iPod Speaker SystemThe merchandise was shipped via FedEx to the address on the applicationThe most recent order, totaling $459.96, was placed on September 21, Fingerhut has received multiple payments from a checking account ending in [redacted] shown in the name of [redacted] The last payment of $was received on July 5, As there were no further payments received, the unpaid balance of $charged off on May 8, and the account was sold to [redacted] on May 29, Once an account is sold Fingerhut no longer owns or collects on the debt Our records indicate there two were payments made online after the account was sold to [redacted] Payments for $and $were made on June 27, and July 14, respectivelyAs Fingerhut no longer owned the account, these payments were forwarded to [redacted] the account owner Please note Fingerhut does not allow payments to be processed with representative after an account is soldIf a customer chooses to use the United States Postal Service and/or the internet to make a payment to Fingerhut on a sold account, those payments are expedited to the account owner 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 [redacted] ’s expectations According to an account review on October 3, 2016, Equifax, Experian and Transunion are reporting the account accurately as Transfer/Sold or Purchased by Another Lender with a zero balance We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Ms [redacted] ’s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Ms [redacted] has any additional questions regarding what [redacted] is reporting to the credit bureaus, she would need to contact [redacted] directly at ###-###-#### 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] I have made efforts to contact the Executive Customer Care Department at Fingerhut, and will continue to do so until such time that the business and I are able to communicate and agree on a resolution to this issueAt that time I will again address this letter to the Revdex.com and the response to the business' reply with a statement as to whether or not we have reached a satisfactory resolution at that timeI sincerely thank you for your time and efforts in this matter
I am rejecting this response because:I have already showed them proof that I contacted them before the daysAlso since I purchased the item from THEM, THEY should have taken care of the problem right away and let me return it, not made ME contact the manufacturer
April 22, 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 further inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountAs we have stated previously, Ms [redacted] purchased an LG TV on September 30, with a two year service place on December 3, For all concerns with the product Ms [redacted] should contact the products manufacturer, LG Support at ###-###-####Ms [redacted] ’s two year service plan begins on October 5, This plan is through NEW (Nation Extended Warranty)They can be contacted at ###-###-####Her warranty contact number is [redacted] At this time we have provided all available information to Ms [redacted] Fingerhut considers this matter closedSincerely, Vi [redacted] Executive Care Team VF/KS [redacted]
CONFIDENTIAL COMMUNICATION June 5, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , After reviewing Mr [redacted] ’s account, we show he contacted us on April 11, stating the drone was defectiveWe advised Mr [redacted] that he could still return the itemAt this time, the item was stuck in the tree, and Mr [redacted] would need to figure out a way to get it down, to return it On May 24, 2017, Mr [redacted] contacted our company again regarding the defective droneHe was then told, he was unable to return the item, due to the return window elapsing We apologize to Mr [redacted] , as when the email sent by him to our company was received, it was not handled correctlyWe are allowing Mr [redacted] to return the drone for a full refund and for any interest charged on the merchandise If Mr [redacted] has any further questions or concerns, he 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
Initial Business Response / [redacted] (1000, 5, 2015/10/29) */ CONFIDENTIAL COMMUNICATION October 29, 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 Ms [redacted] states that she made her June payment on June 2, Our records show a minimum due of $was due June 2, and we received $on May We show that we received a payment of $on June 26; this covered her July payment of $which was due July 2, She did not receive a late fee for this payment, as she brought her account current for JulyWe show that $was due by August When we did not receive a payment by this date, she received a late fee The due date for the customer is the 2nd of each month, and the cycle date is the 4th, meaning the statements are printed and sent out every 4th of the monthPayments received are applied accordingly to the cycle the account is in when we receive itThe customer may want to consider setting up automatic monthly payments to prevent any confusion or inconsistency for future payment datesMs [redacted] can call us at [redacted] to receive assistance in setting this up Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) In June Payments were madeOne on 6/and one on 6/The one on 6/I was paying for my July payment, but you credited towards another June paymentIn July I didn't make a payment, assuming I had already made my July payment and you assessed a late feeI made my regular payment for August on 7/30, still not knowing my account was in arrears and was assessed another late feeIn September, when I finally realized what was going on, I called in and spoke to several people, including a supervisorWho told me that they could not help me with the payment issue, even though I had made an extra payment and should not have had to make an extra payment again to make things right on this accountIT"S A FREAKING COMPUTER....YOU CAN MAKE IT DO ANYTHING YOU WANT! SO I made the one regular payment for SeptemberThey removed the late fees for July and AugustI then made another payment on 9/17, but it was days after the (due date)....so you i
s went and charged me another late fee, even though technically my account was NEVER late with the extra payment that I had made in June! That is why I had requested my account to be closed....which it has not been! And for you to remove the late fee assessed in September, which it has not been! And to remove any negative credit reporting! Final Business Response / [redacted] (4000, 11, 2015/11/16) */ CONFIDENTIAL COMMUNICATION November 16, 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 Ms [redacted] states that she made two payments in June, the first on June 2nd, and the second on June 18thMs [redacted] did not specify the payment amountsOur records indicate the only payment we received in June was for $on June 26thThis payment satisfied the minimum of $due by July 2nd, bringing her account current Ms [redacted] states she made another payment on July 30, which our records do not reflectThe next payment received was not until August 15th, in the amount of $As Ms [redacted] 's due date was August 2, she received a late fee Ms [redacted] further states that she made an additional payment on September 17th, "two days after the due date", and that she received a late feeHowever, we do not show that we received any payments in September Per the customer's request, the account has been closed To clarify to Ms [redacted] , her Fingerhut Advantage Credit Account is an open-end/revolving account, and does not allow the option to pay it aheadA payment exceeding the minimum amount due and/or multiple payments made within the same billing cycle may only satisfy the payment required for that month and that month onlyAs a resolution to this limitation, we recommend that she consider activating an "automatic recurring payment schedule." Many customers feel this provides them the assurance of meeting their monthly payment obligation while also freeing them from any extra time or trouble associated with making an individual payment each month Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm
I am rejecting this response because: First of all, thank you so much for looking into this situationMuch appreciated! I am rejecting their response for a couple of reasonsAccording to the company's reply, I will see these future credits on my next statement, "being printed on August 9th." However, I just received a monthly statement from them, still with the total being owed of $152.15, with the due date of July 29thBut yet, on their reply, it states that I still will owe $32.17, with the due date of August 5th Until I receive their next billing, after August 9th, I would not have any notice except for this current attached reply of having any credits or money currently owed.I would also like to know what this "new" amount of $if for, as I have completely paid for the Armitron Ladies Swarovski Crystal watch and bracelet? By the way, if you check with their online catalog, you will still see this item ( [redacted] ) is still available with no mention of Holsted or a continuing jewlery program/obligation Thank you so much again, and I will look forward to your responseCarmen ALee
CONFIDENTIAL COMMUNICATION May 1, 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 a WebBank/Fingerhut credit account in the name of [redacted] Mr [redacted] states that he notified Fingerhut that Mr [redacted] had passed on December 27, Mr [redacted] goes on to state that he continues to receive statements and phone calls regarding Mr [redacted] ’s accountMr***’s desired resolution is to have no further contact regarding Mr [redacted] ’s account Our records indicate that Fingerhut may have been sending correspondence to an address associated with Mr [redacted] Fingerhut credit account [redacted] Based on our research, we were unable to locate any record of Fingerhut reaching out to Mr***, at any of the phone numbers currently associated with his account, regarding Mr [redacted] ’s account We empathize and express our condolences in regards to Mr***’s situation, however as we do not show Mr [redacted] as a power of attorney for Mr [redacted] we unable to confirm any information regarding Mr [redacted] ’s account If Mr [redacted] has any further concerns, he may contact the Fingerhut Executive Care Team at ###-###-####Their hours are Monday – Friday 8:00am – 4:30pm Central Standard Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa
CONFIDENTIAL COMMUNICATION December 21, 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 recent inquiry that we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Ms [redacted] states the PlayStation she ordered had a scheduled delivery date of December 6, 2016, but it was not delivered and she never received itWhen she notified customer service, the representative advised to complete and return the affidavit they were sending, though Ms [redacted] did not receive the affidavitMs [redacted] does not want to be billed for an item she never received and requests this be resolved Our records indicate Ms [redacted] ordered a Sony PSwith Uncharteredgame on November 30, United Parcel Service tracking # [redacted] reflects they delivered it to ‘Front Door’ on December 6, at 4:p.mlocal time On the same date, Ms [redacted] called notifying she did not receive it, and the representative advised to allow more time as sometimes packages are found nearby or left in a concealed location on the premises to prevent theftOn December 9, 2016, Ms [redacted] called stating the package had not been found/received, and the representative sent a ‘merchandise not received’ affidavit to her address on file of [redacted] Philadelphia, PA A second affidavit was sent regular mail on December 12, per Ms [redacted] ’s request On December 13, 2016, we received the completed affidavit via an email attachment, and on the same date sent an email reply advising the claim was denied pending a police report given the significant monetary valueMs [redacted] called on the same date and the representative provided a fax number to fax the police report as wellTo date, we have no record of receiving the police report, and once received, we will proceed with finalizing the investigation, including any adjustments to Ms [redacted] ’s account at that time She may fax the report to ###-###-####, Attn: MNR Claims or email it to [email protected] Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/a
Full response attachedCONFIDENTIAL COMMUNICATION: The payment Ms [redacted] ' son attempted to make was reversed with a reason of Account InvalidHe may send in documentation, if available, showing that the payment was actually processedMs [redacted] still has a balance that she is responsible to pay for