I am rejecting this response because: I contacted finger hut on October 30th to cancel my order and called again October 31st to reorder the same items with a customer service representative in order to get the free shipping with the code FREAKYThat particular representative did not cancel my order as requested and I was informed with by the new representative that more original order had actually shipped (it was to be canceled, and was canceled within the hr time frame) due to the 2nd representative not able to stop my order or grant my free shipping I requested to speak with a supervisorI was transferred to maybe different reps before reaching the voice mail of a supervisoras stated beforeI did leave a messagemy contact information and phone number have been the same for yearsI put the information to originally sign up and apply for credit with this companyit would have been odd for me to be approved for a credit account without a phone number listedI never had a missed call or voice mail from fingerhut and I have double checked my phone records to confirm thisI also logged into my fingerhut account to view my contact information which is listed and my phone number was thereas for the it was deducted from my account and I double checked the balance this morning and a week after fingerhut having physical presence of my item and a Revdex.com complaint the was corrected
CONFIDENTIAL COMMUNICATION June 21, RevDex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge CircleBurnsville, 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 AccountPlease see attached letter(s) of response as it exceeds the 2,max character count
CONFIDENTIAL COMMUNICATION June 30, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] states the number he wanted to remove from his contact information is still appearing on our website under his account As we have stated previously, the secondary phone number on his account has been removed from our call list on June 16, We will not be placing any further telephone calls to that number, however we cannot delete the number from your accountIf Mr [redacted] would like to change the number on his account he can contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8AM-8PM Central Standard Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because: This has not been removed from my credit report yetThis is not my doing, I'm a victim of identity theft, and did not apply for fingerhut account and did not give anyone else authority to apply
I am rejecting this response because:I had never received a letter of affidavit from themAlso they claim that they have never received a letter from me disputing the account and the charges, I even faxed it to the companyIt was not until March 20, that I spoke with a lady in their fraud department that she emailed me an MNR affidavitEvery time I call I am transferred to different departments with no resolution in sight
Initial Business Response / [redacted] (1000, 5, 2015/12/22) */ We have attempted to reach the customer tice, on 12/17/and 12/18/Both times we received a voice mail and were not able to leave a message as the recording stated that the mailbox was fullWe would like for Mr [redacted] send in a copy of the bank statement that reflects the NSF charges that have been accrued since September so that we can review them for reimbursementThey can be faxed to [redacted] We can be reached in customer service at [redacted] Complaint Response Date bumped because: Holiday Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/12/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept the response for the following reason: request of breakdown still not received and my wife works from home so she is always available to answer the phonesIn addition, I have requested numerous emails a few includedI will reach out to my bank to get proof of fees and charges as I have done in the pastBiggest concern with calling your office is no consistency in information received Final Business Response / [redacted] (4000, 12, 2016/01/07) */ I left a voice Message for Creg on 1/5/advising that a statement of all account transactions was e-mailed to him at the e-mail address on file and left my phone numberI also disabled any future ach withdrawals on the account and credited the $balanceOn 1/7/I spoke to his wife Trina and she did confirm he received the statement but had some questionsI could not discuss the account without first speaking to Creg but he will try to call this evening to verify account activity Final Consumer Response / [redacted] (2000, 14, 2016/01/18) */
I am rejecting this response because: the interest wasnt explained for deferring the payments the first few monthstherefore, they see ive been a customer several years, they should waive the interest that I didnt know was billed for the last monthsif noti already paid half my balancethe other half will be paid off and closed soon
I am rejecting this response because:I have sent them everything they have requested I have sent them the information with the Chelan County Sheriff's Department that no report would be taken as the perk the package was not stolen from my porch the Box showed up empty untampered with until I opened it and found nothing in it I feel that I am getting the total run around I have ordered other major purchases from this company ordered a TV a laptop computer and had no problems with them now when I order the iPhone 6s and they're outside supplier in shipper is the one that did not place the item in the box when shipped I have sent all information for the Chelan County Sheriff's Department to them I have also showed sent them the information for the prosecuting attorney for Chelan County and also the Attorney General's Office of the State of Washington they need to investigate their supplier as their supplier is not supplying what they are supposed to be shipping I can guarantee you whoever packaged this box that the shipper will know who packaged it and I guarantee you that person most likely has my iPhone in their back pocket in the meantime they are still making me pay for this phone even though I never received it and as far as my conversation with the people on their call in what they are stating is a bunch of Lies I called them four times and each time I was very rudely spoken to the last time I was told the blank F off and they hung up on me their customer service call bank is located in either India or Pakistan that's the only type of people that you could get the could not speak English early at all and they were very very rude all I know is I want my iPhone 6s that I ordered and that and that I have already paid $on while waiting for it to ride which I have not received and it looks like they're going to force me to pay the remaining balance or be turned over to collections I want my iPhone 6s that's all I'm asking for I'm not trying to rip anybody off I'm not trying to call a scam I want my product that I ordered and that I'm being forced to pay for it but they definitely need to investigate and contact their supplier that they use outside the company to supply the iPhone 6s and ship to their customers because there's their supplier is ripping not just me off the ripping the company offex
Initial Business Response / [redacted] (1000, 5, 2015/11/25) */ CONFIDENTIAL COMMUNICATION November 25, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate on October 14, Mr [redacted] purchased a Samsung 48" 1080p LED Smart TVOn November 18, Mr [redacted] contacted Fingerhut stating the TV was no longer working properlyA letter was sent to Mr [redacted] advising him he would need to contact the manufacturer as we require returns to be made in accordance with 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 non refundableComputers, camcorders, 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." For all concerns with this product Mr [redacted] will need to contact the manufacturer, Samsung, at [redacted] Monday through Sunday 9AM to 9PM Eastern Standard Time The last payment we have received from Mr [redacted] was on June 15, Due to severe delinquency his account was charged off on November 16, The current balance on Mr [redacted] 's account is $The minimum amount due by December 15, is $To make payment arrangements we ask he contacts our Payment Department at [redacted] Monday through Friday 7AM to 9PM Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/12/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) First off, sent the TV to samsung like they requested samsung had TV for days, when I got the TV back it DID NOT WORK..Called Fingerhut again, as was given the standard answer call samsung..Continued to pay $a month from October till June 10x=$with the idea of we can get this resolved also spent another $to have TV repaired, and its still not working properly..Spent months trying to get this taken care of, have over calls in, Fingerhut sends you to the collections department, then to customer service, and each time its the same call samsung..I have been laughed at hung up on, and been ridiculed for better than a year..Stopped paying on this in June simply because it has been a nightmare dealing with people who speak no english, its an impossibilty getting my point across, this has ruined my credit, because of thisAs far as I'm concerned this debt is paid, in fact they owe me because I have to buy another TV, you google complaints against Fingerhut, there are thousands and all say the same thing..Please help me, this is driving me insane THANK YOU Final Business Response / [redacted] (4000, 9, 2015/12/07) */ CONFIDENTIAL COMMUNICATION December 3, 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 Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account As we have previously stated the Samsung Smart TV Mr [redacted] is referring to is out of our return policy timeframe We apologize for the frustration Mr [redacted] has experienced while dealing with the manufacturer, SamsungUnfortunately, we are unable to assist in concerns he has with the productFor any issues with this product, Mr [redacted] needs to contact Samsung at [redacted] We have not received any payments on Mr [redacted] 's account since June 15, Due to severe delinquency, his account was charged off on November 16, The current balance on Mr [redacted] 's account is $with a minimum payment of $due by December 15, Although we understand Mr [redacted] 's frustration regarding this matter, it does not deviate from the fact that he has received merchandise from Fingerhut charged to his WebBank/Fingerhut Advantage Credit Account and remains responsible for the corresponding debtPer the Terms and Conditions that were agreed upon when the WebBank/Fingerhut Advantage Credit Account, "If you fail to fulfill the terms of the credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies." At this time we have provided all information we have available on this matterFingerhut considers this matter closed Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION August 24, 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 additional inquiry received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut Credit Account Ms [redacted] states her Fingerhut account was sold to [redacted] and [redacted] has issued documentation that the balance has been paid fullMs [redacted] is requesting that Fingerhut, as the original creditor, should make the corrections to her credit report that she is requesting or take their name off her account As stated in our previous response, Ms [redacted] opened a Fingerhut account on May 5, Three orders were placed on May 5, 2014, May 14, and May 19, Fingerhut did not receive any payments for the three orders placed on Ms***’s accountOn December 12, 2014, the account charged off with an unpaid balance of $and Fingerhut ceased collections Ms***’s account was sold to [redacted] on January 15, On January 15, 2015, Fingerhut reported Ms***’s account to the credit bureaus as Purchased by Another Lender with a balance and past due of $Since that date, Fingerhut is no longer sending monthly reporting to the credit bureaus because Fingerhut no longer owns Ms***’s account According to an account review on August 9, 2016, Equifax and Experian are reporting Ms***’s account accurately as Purchased by Another Lender or Transfer/Sold with a balance and past due of zeroA representative at Trans Union confirmed that they have deleted the Fingerhut 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 was included in Ms***’s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Ms [redacted] has further questions regarding her account, [redacted] can be reached directly at ###-###-#### Thank you for allowing us to assist and explain Sincerely, Kari [redacted] Executive Care Team KD/lg
Initial Business Response / [redacted] (1000, 5, 2016/02/11) */ CONFIDENTIAL COMMUNICATION February 10, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut Advantage Credit Account Ms [redacted] 's account indicates she purchased a Badger Basket Company Majesty Bassinet - White on April 19, via the web Ms [redacted] contacted us on May 3, and informed the representative she spoke with that she was returning the bassinet because it had a sharp edgeWe received the return on May 11, 2015, however a reason was not indicated on the return form and, as a result, credit was issued for the price of the bassinet minus a return shipping fee and the original shipping and handling charges Our return policy is located in our catalogs and on our website and is as follows: We will issue an exchange or refund for most items returned in new condition within days of receiptReturns will not be accepted for credit after daysOther product concerns must be handled under the manufacturer's warrantyShipping and handling charges are non-refundableReturn postage is the responsibility of the customersMusic, movies, video games and software must be return unopened with the factory seal intactExchanges are permitted for identical product onlyComputers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators must be returned within day home trial periodProducts sold as sets must be returned as sets, partial returns will not be acceptedPersonalized/customized and made-to-measure window treatment products may be returned for credit only if they are damaged or defectiveExchanges are permitted for identical product onlyGift cards cannot be returnedOther restrictions apply Our records indicate that due to severe delinquency, Ms [redacted] 's WebBank/Fingerhut Advantage Credit Account was charged off on December 4, with a balance of $and then sold to Jefferson Capital on December 30, Due to extenuating circumstances related to this purchase, we will be purchasing the account back from Jefferson Capital and closing itAdditionally, we will request that this be removed from Ms [redacted] 's credit bureau report and advise that this may take up to days to processA letter will be sent to her address once this has been completed Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ca Initial Consumer Rebuttal / [redacted] (2000, 6, 2016/02/11) */
Initial Business Response / [redacted] (1000, 5, 2015/08/13) */ CONFIDENTIAL COMMUNICATION June 9, # [redacted] Revdex.com of Minnesota Attn: [redacted] [redacted] S River Ridge Circle Burnsville, MN Re: Case # [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 Our investigation confirms that Ms [redacted] purchased a Samsung Galaxy SIII mini IUnlocked Smartphone via the Gettington website on July 22, We received it as a return on July 28, 2015, but it was denied for an exchange or a refund by the Returns Department for not meeting the terms of our return policy covering cellular phones The special restrictions on returning the Samsung phone were disclosed on the main "product features" webpage for that phoneSince Ms [redacted] found and purchased the phone on the website, the return limitations were prominently displayed and available for her to review prior to purchasing it This information appears immediately below the product description of the phone, under the heading of "Returns Are Limited For Mobile Devices," and states: "Once shipped, only defective and damaged devices can be exchanged for an identical device on phonesDefective and damaged exchanges must be within days of purchase." Because Ms [redacted] phone was found to be in good working order (not defective), it did not qualify to be returnedFor this reason, we are returning the phone to Ms [redacted] at her address on file of [redacted] Tarboro, NC The product will be shipped back to Ms [redacted] on August 29, Thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION February 23, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] indicates he placed an order from Fingerhut months ago but never received the itemHe states he has contacted us multiple times and he completed an affidavit for the missing itemMr [redacted] indicates he spoke with a manager and credit was issued for the missing itemThe manager advised Mr [redacted] that he may place a new order on our websiteWhen Mr [redacted] attempted to order online, he was unable to successfully complete the orderMr [redacted] contacted Customer Service and was advised due to being a Fingerhut FreshStart customer he needed to place his order by phoneUpon attempting the order by phone the agent advised Mr [redacted] he was unable to place the order at that time and asked Mr [redacted] to call again in 2-hours to place the orderMr [redacted] states he opened his Fingerhut FreshStart account to improve his credit and has made several payments toward the order he never receivedMr [redacted] is requesting to place his order and have the payments he already made applied to his new order so he can complete the FreshStart program and he would like free shipping on his new orderMr [redacted] would also like to speak with a manager Our records indicate Mr [redacted] applied and was approved for the FreshStart credit programUnder this program, customers may place a single order, up to their assigned credit limit, on a closed-ended loan with a required $down paymentOnce the order is paid in full the account goes through a systematic review to determine if the account is eligible to graduate to a Fingerhut Advantage Credit AccountIn part, the requirements for graduation from a FreshStart account to a Fingerhut Advantage Credit account is that all payments be made by the due date, the order total remains above $and that no payments are returned by the customers’ financial institutionIf any of the requirements are not met the account will be disqualified from graduating to the Fingerhut Advantage Credit account and the customer may be able to retry the FreshStart credit program Mr [redacted] placed an order on November 4, for an Indoor Electric Grill which totaled $including shipping and handlingMr [redacted] also made his $down payment using his MasterCard Debit at the time of the orderThe grill was shipped on November 8, to the address Mr [redacted] specified when the order was placedThe package was delivered on November 14, via UPS tracking number [redacted] On November 17, Mr [redacted] contacted us by phone and inquired about the delivery of the orderThe tracking information was provided and the agent advised Mr [redacted] to check around his residence and with neighbors and if he couldn’t locate the package to contact us backOn November 21, Mr [redacted] contacted us and requested to have his address updatedThe agent completed the change of address per Mr [redacted] ’s requestOn December 5, 2016, Mr [redacted] advised us he did not receive the merchandise and the agent sent an “affidavit of merchandise not received”On December 20, Mr [redacted] contacted us by email and advised he had not received the affidavitThe agent sent another affidavit the same day On January 23, Mr [redacted] contacted us by phone and asked if we received the completed affidavit that he sent 2-weeks priorThe agent advised Mr [redacted] the affidavit had not yet been received and Mr [redacted] requested to speak with a supervisorThe agent transferred Mr [redacted] to the supervisor line and a supervisor contacted Mr [redacted] the same day per his requestMr [redacted] requested another change of address and the supervisor updated the address per his requestThe supervisor also issued credit for the order Mr [redacted] did not receive and advised Mr [redacted] to allow 24-hours for the credit to appear on his account On February 2, Mr [redacted] contacted us to place an orderThe agent attempted to place the order but was unsuccessfulThe agent advised Mr [redacted] to contact us back in 2-hours to replace the orderMr [redacted] requested to speak with a supervisor/manager and the agent transferred Mr [redacted] to her supervisor’s voicemail and advised Mr [redacted] to leave a message and he would receive a call back in 24-hours On February 3, Mr [redacted] contacted us again and requested to place an order for a different item since he already purchased the indoor grill locallyThe agent advised Mr [redacted] the order needed to be placed for the same exact itemMr [redacted] requested to speak to a supervisor and voicemail messages were left at the phone number Mr [redacted] provided on February 4, and February 5, Please understand since FreshStart accounts are valid for a single order, there is special handling required if an item is not received and as such, the order cannot be placed on our websiteWe sincerely apologize if Mr [redacted] was advised the order could be placed on our websiteAs a courtesy, if Mr [redacted] would like to place an order for a different item within his $credit limit, he may contact a member of our Executive Care Team, Becky, at ###-###-#### for further assistanceThe down payment of $and the two additional payments of $6.97, Mr [redacted] has already made will be applied to his new order If he no longer wants to place an order, he may contact Customer Service at ###-###-####, Monday – Friday, 8:AM – 8:PM CT to request a refund of the payments Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because: The response did not contain any solution to the issueThe "surprise gift" excuse is BS because all orders that got the 20% off also got the surprise gift because no code was required to get the 20% offSince they refuse to actually respond to me about the issue, have them indicate which they prefer: Zero out the account, or get sued in court for fraud and harassment
CONFIDENTIAL COMMUNICATION March 17, 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] ’ complaint she states in October she made a payment onto her account, and an issue within our system showed the payment made, but the payment was not processedMs [redacted] has been reported to the credit bureau for a late payment due to thisMs [redacted] is requesting an adjustment to her account with the credit bureau fixed, so the late payment does not show After reviewing Ms [redacted] ’ account, we show the payment of $made on September 3, was done online by Ms [redacted] using her account ending in When a payment is made, it will be posted to the WebBank/Fingerhut Credit account that day When we presented the payment to Ms [redacted] ’ bank to receive funds from them, they were unable to locate an account with the information provided by Ms [redacted] This is why the payment was rejected and reversed on Ms [redacted] ’ WebBank/Fingerhut accountThis is why when Ms [redacted] provided a bank statement to us, there was no charge of $visible Ms [redacted] contacted us on October 26, requesting to have the late fee removed, and we removed the $late fee as a one-time courtesy to Ms [redacted] However, we will not be fixing Ms [redacted] ’s credit bureau records, as the payment made, and information provided for the payment was completed by Ms [redacted] on Fingerhut’s website 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/AH
I am rejecting this response because:I did not make a paymentThey need to prove I made that payment.I did send the the police reportThey are the ones who are lying.They have not proved that us my accountI eoukd not have filed a police report, if it was mine.Get realI have never had a MasterCardIt did not have my name on itGet s copy and see if the card or payment us in my name.I have proven thus us not mineThey have not proved it's mine.They are lost a and I put a fraud alert on my account at the credit bureau
I am rejecting this response because: I contacted finger hut on October 30th to cancel my order and called again October 31st to reorder the same items with a customer service representative in order to get the free shipping with the code FREAKYThat particular representative did not cancel my order as requested and I was informed with by the new representative that more original order had actually shipped (it was to be canceled, and was canceled within the hr time frame) due to the 2nd representative not able to stop my order or grant my free shipping I requested to speak with a supervisorI was transferred to maybe different reps before reaching the voice mail of a supervisoras stated beforeI did leave a messagemy contact information and phone number have been the same for yearsI put the information to originally sign up and apply for credit with this companyit would have been odd for me to be approved for a credit account without a phone number listedI never had a missed call or voice mail from fingerhut and I have double checked my phone records to confirm thisI also logged into my fingerhut account to view my contact information which is listed and my phone number was thereas for the it was deducted from my account and I double checked the balance this morning and a week after fingerhut having physical presence of my item and a Revdex.com complaint the was corrected
CONFIDENTIAL COMMUNICATION June 21, RevDex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge CircleBurnsville, 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 AccountPlease see attached letter(s) of response as it exceeds the 2,max character count
CONFIDENTIAL COMMUNICATION June 30, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] states the number he wanted to remove from his contact information is still appearing on our website under his account As we have stated previously, the secondary phone number on his account has been removed from our call list on June 16, We will not be placing any further telephone calls to that number, however we cannot delete the number from your accountIf Mr [redacted] would like to change the number on his account he can contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8AM-8PM Central Standard Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because: This has not been removed from my credit report yetThis is not my doing, I'm a victim of identity theft, and did not apply for fingerhut account and did not give anyone else authority to apply
I am rejecting this response because: THE COMPANY WILL NOT REMOVE THE BILLING STATEMENT FROM PROFILETHE COMPANY NEEDS TO CLOSE THIS PARTICULAR ACCOUNT
I am rejecting this response because:I had never received a letter of affidavit from themAlso they claim that they have never received a letter from me disputing the account and the charges, I even faxed it to the companyIt was not until March 20, that I spoke with a lady in their fraud department that she emailed me an MNR affidavitEvery time I call I am transferred to different departments with no resolution in sight
Initial Business Response / [redacted] (1000, 5, 2015/12/22) */ We have attempted to reach the customer tice, on 12/17/and 12/18/Both times we received a voice mail and were not able to leave a message as the recording stated that the mailbox was fullWe would like for Mr [redacted] send in a copy of the bank statement that reflects the NSF charges that have been accrued since September so that we can review them for reimbursementThey can be faxed to [redacted] We can be reached in customer service at [redacted] Complaint Response Date bumped because: Holiday Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/12/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept the response for the following reason: request of breakdown still not received and my wife works from home so she is always available to answer the phonesIn addition, I have requested numerous emails a few includedI will reach out to my bank to get proof of fees and charges as I have done in the pastBiggest concern with calling your office is no consistency in information received Final Business Response / [redacted] (4000, 12, 2016/01/07) */ I left a voice Message for Creg on 1/5/advising that a statement of all account transactions was e-mailed to him at the e-mail address on file and left my phone numberI also disabled any future ach withdrawals on the account and credited the $balanceOn 1/7/I spoke to his wife Trina and she did confirm he received the statement but had some questionsI could not discuss the account without first speaking to Creg but he will try to call this evening to verify account activity Final Consumer Response / [redacted] (2000, 14, 2016/01/18) */
I am rejecting this response because:The business has offered no resolution or attempt to resolve
I am rejecting this response because: the interest wasnt explained for deferring the payments the first few monthstherefore, they see ive been a customer several years, they should waive the interest that I didnt know was billed for the last monthsif noti already paid half my balancethe other half will be paid off and closed soon
I am rejecting this response because:I have sent them everything they have requested I have sent them the information with the Chelan County Sheriff's Department that no report would be taken as the perk the package was not stolen from my porch the Box showed up empty untampered with until I opened it and found nothing in it I feel that I am getting the total run around I have ordered other major purchases from this company ordered a TV a laptop computer and had no problems with them now when I order the iPhone 6s and they're outside supplier in shipper is the one that did not place the item in the box when shipped I have sent all information for the Chelan County Sheriff's Department to them I have also showed sent them the information for the prosecuting attorney for Chelan County and also the Attorney General's Office of the State of Washington they need to investigate their supplier as their supplier is not supplying what they are supposed to be shipping I can guarantee you whoever packaged this box that the shipper will know who packaged it and I guarantee you that person most likely has my iPhone in their back pocket in the meantime they are still making me pay for this phone even though I never received it and as far as my conversation with the people on their call in what they are stating is a bunch of Lies I called them four times and each time I was very rudely spoken to the last time I was told the blank F off and they hung up on me their customer service call bank is located in either India or Pakistan that's the only type of people that you could get the could not speak English early at all and they were very very rude all I know is I want my iPhone 6s that I ordered and that and that I have already paid $on while waiting for it to ride which I have not received and it looks like they're going to force me to pay the remaining balance or be turned over to collections I want my iPhone 6s that's all I'm asking for I'm not trying to rip anybody off I'm not trying to call a scam I want my product that I ordered and that I'm being forced to pay for it but they definitely need to investigate and contact their supplier that they use outside the company to supply the iPhone 6s and ship to their customers because there's their supplier is ripping not just me off the ripping the company offex
Initial Business Response / [redacted] (1000, 5, 2015/11/25) */ CONFIDENTIAL COMMUNICATION November 25, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate on October 14, Mr [redacted] purchased a Samsung 48" 1080p LED Smart TVOn November 18, Mr [redacted] contacted Fingerhut stating the TV was no longer working properlyA letter was sent to Mr [redacted] advising him he would need to contact the manufacturer as we require returns to be made in accordance with 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 non refundableComputers, camcorders, 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." For all concerns with this product Mr [redacted] will need to contact the manufacturer, Samsung, at [redacted] Monday through Sunday 9AM to 9PM Eastern Standard Time The last payment we have received from Mr [redacted] was on June 15, Due to severe delinquency his account was charged off on November 16, The current balance on Mr [redacted] 's account is $The minimum amount due by December 15, is $To make payment arrangements we ask he contacts our Payment Department at [redacted] Monday through Friday 7AM to 9PM Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/12/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) First off, sent the TV to samsung like they requested samsung had TV for days, when I got the TV back it DID NOT WORK..Called Fingerhut again, as was given the standard answer call samsung..Continued to pay $a month from October till June 10x=$with the idea of we can get this resolved also spent another $to have TV repaired, and its still not working properly..Spent months trying to get this taken care of, have over calls in, Fingerhut sends you to the collections department, then to customer service, and each time its the same call samsung..I have been laughed at hung up on, and been ridiculed for better than a year..Stopped paying on this in June simply because it has been a nightmare dealing with people who speak no english, its an impossibilty getting my point across, this has ruined my credit, because of thisAs far as I'm concerned this debt is paid, in fact they owe me because I have to buy another TV, you google complaints against Fingerhut, there are thousands and all say the same thing..Please help me, this is driving me insane THANK YOU Final Business Response / [redacted] (4000, 9, 2015/12/07) */ CONFIDENTIAL COMMUNICATION December 3, 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 Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account As we have previously stated the Samsung Smart TV Mr [redacted] is referring to is out of our return policy timeframe We apologize for the frustration Mr [redacted] has experienced while dealing with the manufacturer, SamsungUnfortunately, we are unable to assist in concerns he has with the productFor any issues with this product, Mr [redacted] needs to contact Samsung at [redacted] We have not received any payments on Mr [redacted] 's account since June 15, Due to severe delinquency, his account was charged off on November 16, The current balance on Mr [redacted] 's account is $with a minimum payment of $due by December 15, Although we understand Mr [redacted] 's frustration regarding this matter, it does not deviate from the fact that he has received merchandise from Fingerhut charged to his WebBank/Fingerhut Advantage Credit Account and remains responsible for the corresponding debtPer the Terms and Conditions that were agreed upon when the WebBank/Fingerhut Advantage Credit Account, "If you fail to fulfill the terms of the credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies." At this time we have provided all information we have available on this matterFingerhut considers this matter closed Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION August 24, 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 additional inquiry received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut Credit Account Ms [redacted] states her Fingerhut account was sold to [redacted] and [redacted] has issued documentation that the balance has been paid fullMs [redacted] is requesting that Fingerhut, as the original creditor, should make the corrections to her credit report that she is requesting or take their name off her account As stated in our previous response, Ms [redacted] opened a Fingerhut account on May 5, Three orders were placed on May 5, 2014, May 14, and May 19, Fingerhut did not receive any payments for the three orders placed on Ms***’s accountOn December 12, 2014, the account charged off with an unpaid balance of $and Fingerhut ceased collections Ms***’s account was sold to [redacted] on January 15, On January 15, 2015, Fingerhut reported Ms***’s account to the credit bureaus as Purchased by Another Lender with a balance and past due of $Since that date, Fingerhut is no longer sending monthly reporting to the credit bureaus because Fingerhut no longer owns Ms***’s account According to an account review on August 9, 2016, Equifax and Experian are reporting Ms***’s account accurately as Purchased by Another Lender or Transfer/Sold with a balance and past due of zeroA representative at Trans Union confirmed that they have deleted the Fingerhut 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 was included in Ms***’s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Ms [redacted] has further questions regarding her account, [redacted] can be reached directly at ###-###-#### Thank you for allowing us to assist and explain Sincerely, Kari [redacted] Executive Care Team KD/lg
Initial Business Response / [redacted] (1000, 5, 2016/02/11) */ CONFIDENTIAL COMMUNICATION February 10, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut Advantage Credit Account Ms [redacted] 's account indicates she purchased a Badger Basket Company Majesty Bassinet - White on April 19, via the web Ms [redacted] contacted us on May 3, and informed the representative she spoke with that she was returning the bassinet because it had a sharp edgeWe received the return on May 11, 2015, however a reason was not indicated on the return form and, as a result, credit was issued for the price of the bassinet minus a return shipping fee and the original shipping and handling charges Our return policy is located in our catalogs and on our website and is as follows: We will issue an exchange or refund for most items returned in new condition within days of receiptReturns will not be accepted for credit after daysOther product concerns must be handled under the manufacturer's warrantyShipping and handling charges are non-refundableReturn postage is the responsibility of the customersMusic, movies, video games and software must be return unopened with the factory seal intactExchanges are permitted for identical product onlyComputers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators must be returned within day home trial periodProducts sold as sets must be returned as sets, partial returns will not be acceptedPersonalized/customized and made-to-measure window treatment products may be returned for credit only if they are damaged or defectiveExchanges are permitted for identical product onlyGift cards cannot be returnedOther restrictions apply Our records indicate that due to severe delinquency, Ms [redacted] 's WebBank/Fingerhut Advantage Credit Account was charged off on December 4, with a balance of $and then sold to Jefferson Capital on December 30, Due to extenuating circumstances related to this purchase, we will be purchasing the account back from Jefferson Capital and closing itAdditionally, we will request that this be removed from Ms [redacted] 's credit bureau report and advise that this may take up to days to processA letter will be sent to her address once this has been completed Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ca Initial Consumer Rebuttal / [redacted] (2000, 6, 2016/02/11) */
I am rejecting this response because: this is scaming people
Initial Business Response / [redacted] (1000, 5, 2015/08/13) */ CONFIDENTIAL COMMUNICATION June 9, # [redacted] Revdex.com of Minnesota Attn: [redacted] [redacted] S River Ridge Circle Burnsville, MN Re: Case # [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 Our investigation confirms that Ms [redacted] purchased a Samsung Galaxy SIII mini IUnlocked Smartphone via the Gettington website on July 22, We received it as a return on July 28, 2015, but it was denied for an exchange or a refund by the Returns Department for not meeting the terms of our return policy covering cellular phones The special restrictions on returning the Samsung phone were disclosed on the main "product features" webpage for that phoneSince Ms [redacted] found and purchased the phone on the website, the return limitations were prominently displayed and available for her to review prior to purchasing it This information appears immediately below the product description of the phone, under the heading of "Returns Are Limited For Mobile Devices," and states: "Once shipped, only defective and damaged devices can be exchanged for an identical device on phonesDefective and damaged exchanges must be within days of purchase." Because Ms [redacted] phone was found to be in good working order (not defective), it did not qualify to be returnedFor this reason, we are returning the phone to Ms [redacted] at her address on file of [redacted] Tarboro, NC The product will be shipped back to Ms [redacted] on August 29, Thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because:
CONFIDENTIAL COMMUNICATION February 23, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] indicates he placed an order from Fingerhut months ago but never received the itemHe states he has contacted us multiple times and he completed an affidavit for the missing itemMr [redacted] indicates he spoke with a manager and credit was issued for the missing itemThe manager advised Mr [redacted] that he may place a new order on our websiteWhen Mr [redacted] attempted to order online, he was unable to successfully complete the orderMr [redacted] contacted Customer Service and was advised due to being a Fingerhut FreshStart customer he needed to place his order by phoneUpon attempting the order by phone the agent advised Mr [redacted] he was unable to place the order at that time and asked Mr [redacted] to call again in 2-hours to place the orderMr [redacted] states he opened his Fingerhut FreshStart account to improve his credit and has made several payments toward the order he never receivedMr [redacted] is requesting to place his order and have the payments he already made applied to his new order so he can complete the FreshStart program and he would like free shipping on his new orderMr [redacted] would also like to speak with a manager Our records indicate Mr [redacted] applied and was approved for the FreshStart credit programUnder this program, customers may place a single order, up to their assigned credit limit, on a closed-ended loan with a required $down paymentOnce the order is paid in full the account goes through a systematic review to determine if the account is eligible to graduate to a Fingerhut Advantage Credit AccountIn part, the requirements for graduation from a FreshStart account to a Fingerhut Advantage Credit account is that all payments be made by the due date, the order total remains above $and that no payments are returned by the customers’ financial institutionIf any of the requirements are not met the account will be disqualified from graduating to the Fingerhut Advantage Credit account and the customer may be able to retry the FreshStart credit program Mr [redacted] placed an order on November 4, for an Indoor Electric Grill which totaled $including shipping and handlingMr [redacted] also made his $down payment using his MasterCard Debit at the time of the orderThe grill was shipped on November 8, to the address Mr [redacted] specified when the order was placedThe package was delivered on November 14, via UPS tracking number [redacted] On November 17, Mr [redacted] contacted us by phone and inquired about the delivery of the orderThe tracking information was provided and the agent advised Mr [redacted] to check around his residence and with neighbors and if he couldn’t locate the package to contact us backOn November 21, Mr [redacted] contacted us and requested to have his address updatedThe agent completed the change of address per Mr [redacted] ’s requestOn December 5, 2016, Mr [redacted] advised us he did not receive the merchandise and the agent sent an “affidavit of merchandise not received”On December 20, Mr [redacted] contacted us by email and advised he had not received the affidavitThe agent sent another affidavit the same day On January 23, Mr [redacted] contacted us by phone and asked if we received the completed affidavit that he sent 2-weeks priorThe agent advised Mr [redacted] the affidavit had not yet been received and Mr [redacted] requested to speak with a supervisorThe agent transferred Mr [redacted] to the supervisor line and a supervisor contacted Mr [redacted] the same day per his requestMr [redacted] requested another change of address and the supervisor updated the address per his requestThe supervisor also issued credit for the order Mr [redacted] did not receive and advised Mr [redacted] to allow 24-hours for the credit to appear on his account On February 2, Mr [redacted] contacted us to place an orderThe agent attempted to place the order but was unsuccessfulThe agent advised Mr [redacted] to contact us back in 2-hours to replace the orderMr [redacted] requested to speak with a supervisor/manager and the agent transferred Mr [redacted] to her supervisor’s voicemail and advised Mr [redacted] to leave a message and he would receive a call back in 24-hours On February 3, Mr [redacted] contacted us again and requested to place an order for a different item since he already purchased the indoor grill locallyThe agent advised Mr [redacted] the order needed to be placed for the same exact itemMr [redacted] requested to speak to a supervisor and voicemail messages were left at the phone number Mr [redacted] provided on February 4, and February 5, Please understand since FreshStart accounts are valid for a single order, there is special handling required if an item is not received and as such, the order cannot be placed on our websiteWe sincerely apologize if Mr [redacted] was advised the order could be placed on our websiteAs a courtesy, if Mr [redacted] would like to place an order for a different item within his $credit limit, he may contact a member of our Executive Care Team, Becky, at ###-###-#### for further assistanceThe down payment of $and the two additional payments of $6.97, Mr [redacted] has already made will be applied to his new order If he no longer wants to place an order, he may contact Customer Service at ###-###-####, Monday – Friday, 8:AM – 8:PM CT to request a refund of the payments Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because: The response did not contain any solution to the issueThe "surprise gift" excuse is BS because all orders that got the 20% off also got the surprise gift because no code was required to get the 20% offSince they refuse to actually respond to me about the issue, have them indicate which they prefer: Zero out the account, or get sued in court for fraud and harassment
CONFIDENTIAL COMMUNICATION March 17, 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] ’ complaint she states in October she made a payment onto her account, and an issue within our system showed the payment made, but the payment was not processedMs [redacted] has been reported to the credit bureau for a late payment due to thisMs [redacted] is requesting an adjustment to her account with the credit bureau fixed, so the late payment does not show After reviewing Ms [redacted] ’ account, we show the payment of $made on September 3, was done online by Ms [redacted] using her account ending in When a payment is made, it will be posted to the WebBank/Fingerhut Credit account that day When we presented the payment to Ms [redacted] ’ bank to receive funds from them, they were unable to locate an account with the information provided by Ms [redacted] This is why the payment was rejected and reversed on Ms [redacted] ’ WebBank/Fingerhut accountThis is why when Ms [redacted] provided a bank statement to us, there was no charge of $visible Ms [redacted] contacted us on October 26, requesting to have the late fee removed, and we removed the $late fee as a one-time courtesy to Ms [redacted] However, we will not be fixing Ms [redacted] ’s credit bureau records, as the payment made, and information provided for the payment was completed by Ms [redacted] on Fingerhut’s website 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/AH
I am rejecting this response because:I did not make a paymentThey need to prove I made that payment.I did send the the police reportThey are the ones who are lying.They have not proved that us my accountI eoukd not have filed a police report, if it was mine.Get realI have never had a MasterCardIt did not have my name on itGet s copy and see if the card or payment us in my name.I have proven thus us not mineThey have not proved it's mine.They are lost a and I put a fraud alert on my account at the credit bureau