Initial Business Response / [redacted] (1000, 5, 2015/07/02) */ CONFIDENTIAL COMMUNICATION July 2, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] 's account indicates that he ordered a South Shore Full Platform Bed - Black and a Sensorpedic 3" Deluxe Full Memory Foam Topper on May 18, via the web Our records indicate that Mr [redacted] contacted us on May 22, and informed us he wanted to return the Sensorpedic 3" Deluxe Full Memory Foam Topper, that it was not what he expected Mr [redacted] 's account indicates that he contacted us June 7, to advise us he was returning the South Shore Full Platform Bed - Black Our records indicate that we received the Sensorpedic 3" Deluxe Full Memory Foam on June 3, His account was credited for the merchandise price on the same dayHowever, the original shipping and handling is non-refundable on return merchandisePer our return policy, the shipping and handling on the items is non-refundable because it was sent back to us for a "non-qualifying" reason (an example of a "qualifying" reason would be for defects or damages not caused by the customer, which in most cases Fingerhut covers this cost.) Our records indicate a credit for the South Shore Full Platform Bed - Black was issued to Mr [redacted] 's account on June 19, Fingerhut's Return Policy 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 As a one-time exception to our policy we have issued a credit to Mr [redacted] 's account for the original shipping and handling, one late fee and finance chargesMr [redacted] currently has a zero balance on his account After careful review of Mr [redacted] 's account, our records indicate that no derogatory information was reported to the credit bureau regarding his account in relation to this matter Mr [redacted] 's account was closed per his request on May 29, and additional purchases on this account will not be allowed Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ca Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/04) */ (The consumer indicated he/she ACCEPTED the response from the business.)
CONFIDENTIAL COMMUNICATION March 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 Ms [redacted] states she made a payment for $in November that brought her account balance to zeroMs [redacted] also states Fingerhut continued to charge her interest, late fees and account protection fees on an account with a zero balanceMs [redacted] maintains Fingerhut did not contact her about the balance due until February 2016, and as a result her credit is damagedMs [redacted] is requesting to have her credit report updated to current because her bill was paid in full in November According to our records, when Ms [redacted] 's statement printed on November 6, 2015, the balance on her account was $On November 20, 2015, a payment was received for her December 2, bill in the amount of $22.10.This left a balance of $ When Ms [redacted] 's statement printed on December 6, 2016, Safeline fees and interest charges were calculated based on the balance of $Ms [redacted] was charged the minimum interest of $and for Safeline account protectionThese charges brought her balance to $ No payment was received by the next due date of January 2, 2016, so a late fee of $was charged to Ms [redacted] 's account When her statement printed on January 6, 2016, Safeline protection fee and interest were charged based on the balance $In February 2016, Ms [redacted] 's account was charged a late fee of $plus Safeline fees and interest charges bringing her balance to $ Ms [redacted] 's payment of $received on February 26, brought the account balance to $The two late fees totaling $were credited as a courtesy on March 2, Although already applied to the account, the credits will reflect on her next monthly statement which will be generated on March 6, An account review on March 4, confirmed that Ms [redacted] 's account is open with a zero balance According to our records, Fingerhut began attempts to reach Ms [redacted] by phone on January 3, These calls continued until February 26, when the account was brought current Ms [redacted] spoke with an agent on January 20, 2016, but according to our records, Ms [redacted] said she was at work and ended the call Fingerhut received an email from Ms [redacted] on January 14, in which she states that she had paid off her billWe responded to the email on January 15, requesting Ms [redacted] to contact Customer Service regarding her billing questions An account review on March 2, 2016, confirmed that Equifax, Experian and Trans Union are reporting accurately 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] still has questions about her account regarding what has or has not been reported to the credit bureaus, please contact us at the address listed above or by calling us toll-free at [redacted] , Monday through Friday 9:00am to 6:00pm Central Standard Time Thank you for the opportunity to explain Sincerely, Kari [redacted] Executive Care Team KD/lg
CONFIDENTIAL COMMUNICATION January 4, 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 In Mr [redacted] ’ inquiry he states he has been unable to get his billing issue resolved with Fingerhut Mr [redacted] also states he has made roughly $in payments towards his balance due After reviewing Mr [redacted] ’ account, his first purchase was on August 31, in the amount of $ On September 27, 2016, Mr [redacted] made a second purchase of $of which he returned on October 17, Mr [redacted] received credits of $202.04, $7.95, and $for the item, original shipping and return shipping Payments have been received in the amounts of $on September 27, and $on October 27, When Mr [redacted] ’ November statement was sent he owed a minimum payment of $8.99, as his balance was $ This payment was due on December 7, When payment was not received, Mr [redacted] received a late fee of $ As a courtesy, this late fee of $was refunded to Mr [redacted] ’ account Mr [redacted] ’ current balance is $and the minimum due to bring the account current is $which is due by January 7, to avoid any further late fees We apologize for any inconvenience this may have been caused to Mr [redacted] If he 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 Sincerely, Vi [redacted] Executive Care Team VF/AH
Initial Business Response / [redacted] (1000, 5, 2016/02/02) */ CONFIDENTIAL COMMUNICATION February 2, Revdex.com of Minnesota # [redacted] Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, Terms and Conditions, credit application and last three monthly statements In Ms***'s complaint, she states that Fingerhut is contacting her at work and on her cell phone regarding a payment that is not past dueMs***'s desired resolution is to have her credit reporting corrected, late fees reversed and not to be contacted unless her payment is past due Our records indicate the WebBank/Fingerhut credit account ending in [redacted] was opened on February 24, when an application for credit was processed onlineThe first order was placed on April 8, for a Sharper Image Fresh Juicer Juicer, American Weigh Kitchen Scale w/Black Bowl and a Year Service PlanThe last order, totaling $129.97, was placed on June 19, We received multiple payments from Visa credit cards ending in and 7393, Visa debit cards ending in and and a checking account ending in The name shown on the accounts is [redacted] ***The last payment of $was received on January 4, Our records indicate that there was no payment received on Ms***'s account from October 23, until January 4, Ms***'s Fingerhut credit account went into a past due status as of November 28, As reflected on her December 1, statement, Ms***'s account showed an amount due by December 27, of which included the past due amount of $which was due on November 27, Also reflected on Ms***'s January 1, statement is an amount due by January 27, of $74.97, which includes a past due amount of $The payment of $37.47, made on January 4, 2016, is not shown on this statement As of February 2, 2016, Ms***'s' account is being reported with a balance of $and past due of $To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, the minimum payment of $must be received by February 27, Please note, reminder calls are made as a courtesy with the aim of assisting Fingerhut customers in making their payments on time An account review on January 29, confirmed that Experian, Trans Union and Equifax are reporting the account accurately 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 Based on our review, per your previous request on January 4, 2016, we revoked consent to call on the phone number currently associated with your account: (720) [redacted] If you wish to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted] , StCloud, MN, Please note, if a cease and desist status is placed on your account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desistA monthly statement will continue to be mailed Your account would also be closed to future purchases and additional purchases on the account will not be allowedHowever, Fingerhut orders may be placed online using Visa, MasterCard, or Discover to pay for the order Any outstanding balance will continue to accrue interest and you may be assessed late fees and your account is still subject to the original terms and conditions of the Agreement If you would like information or the assistance of one of our financial hardship payment plans, you would need to revoke the cease and desist request in writing Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/02/03) */ (The consumer indicated he/she ACCEPTED the response from the business.)
CONFIDENTIAL COMMUNICATION June 10, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding his WebBank/Fingerhut Credit AccountAttached is a statement of account activity Mr [redacted] states payments are being made on time each month, but Fingerhut is not applying the payments to his accountMr [redacted] further states that after one of his payments was processed successfully, Fingerhut continued to run additional payments until his credit card locked upMr [redacted] is requesting an investigation because Fingerhut is calling him in an attempt to collect paymentsMr [redacted] states he can prove that payments have already been made Based on our research, the balance on Mr [redacted] ’s account was zero when he placed an order on November 22, An additional order was placed on December 21, with the first payment of $being due on January 7, According to our records, Mr [redacted] spoke with an agent on January 11, but declined to make a paymentMr [redacted] stated that someone else would be making a payment on his accountThere is no record of any attempted payments being made on Mr [redacted] ’s bill until March 1, when a $payment was processed successfully online with an American Express debit card On April 1, 2016, there were five attempts to process a payment online for $60.00, $60.00, $80.00, $and $Each of the five payment attempts were declined Please note that when a payment declines, the cardholder will see a “Pending Authorization” on their cardThis authorization will be removed and the funds are released back to the card after approximately two to five days On May 24, 2016, Mr [redacted] enrolled in a three-month payment planOn June 5, 2016, the first of three $payments was processed successfullyThe remaining two payments are scheduled to process on July 5, and August 5, After successful completion, Mr [redacted] ’s account will be brought current As of June 10, 2016, Mr [redacted] ’s balance on his account is $ Based on the call logs associated with Mr [redacted] ’s account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern Standard TimeOur records also indicate Fingerhut never attempted to contact Mr [redacted] more than six times in a day while his account was in a delinquent status If MrReeder has further questions, he may contact our Billing Department at ###-###-####Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/lg Enclosure
CONFIDENTIAL COMMUNICATION [redacted] Jessup, Pennsylvania 18434- May 4, 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 order Ms [redacted] states that she purchased a pair of shoes on April 13, and she received a confirmation email that she would get tracking information once it was available She is unable to view the order status online She further states that she contacted Haband and has not received a response Our records confirm that Ms [redacted] placed an internet order on April 13, for a pair of Comfort-well® by Beacon® Stretch-n-Form Pumps for $and free shipping The order was shipped on April 19, via UPS Sure Post with the tracking number [redacted] and was delivered by the local post office on April 25, The USPS tracking number is [redacted] We received an email from Ms [redacted] on Saturday, April 29, with a request to check the status of her order Since our customer service department is closed on weekends, a response was sent to Ms [redacted] on the next business day, Monday, May 1, I called Ms [redacted] on May 4, and she was not available to take the call I spoke with her daughter who answered the phone asked what the call was in regard to She stated that she filed the complaint for Ms [redacted] and that she received the order If Ms [redacted] has any further questions or concerns, she may contact Customer Service at ###-###-#### between am- pm (EST), Monday – Friday Thank you for allowing us to explain Sincerely, Lea [redacted] Haband Customer Service Bluestem Brands, Inc
Initial Business Response / [redacted] (1000, 8, 2016/02/29) */ CONFIDENTIAL COMMUNICATION February 26, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] 's account indicates he purchased a Bissell PowerGlide Premiere Pet vacuum with a Year Service Plan totaling $on October 5, We received the return of the Bissell PowerGlide Premiere Pet Vacuum on January 16, with a reason of "Difficult to Assemble" and the account received credit for the merchandise priceHowever, the original shipping/handling is non-refundable on return merchandise, and a return postage fee was deducted from the credit because it was sent back to us for a "non-qualifying" return reason (An example of a "qualifying" reason would be in cases of a defect or damage not caused by the customer, which in most cases Fingerhut covers this cost.) Fingerhut's Return Policy: We will issue an exchange or refund for most items returned in new condition within days (days for Fingerhut Choice Plus members) of receiptNo returns will be accepted after the home trial period without prior return authorization from FingerhutReturns accepted after the home trial period may result in prorated cash or credit adjustments based on the age and condition of the productReturns 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 customer Music, movies video games and software must be returned 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 the 30-day home trial periodProducts sold in sets must be returned as sets; partial returns will not be acceptedPersonalized Products, Made-To-Measure Window Treatments may only be returned for credit if they are damaged or defectiveExchanges are permitted for identical product onlyGift cards cannot be returnedOther restrictions may apply Our records indicate no payments were made and the subsequently the account was assessed with Late Fees and finance charges Our records indicate that due to severe delinquency, the WebBank/Fingerhut Advantage Credit Account charged off on June 20, with a balance of $and was then sold to [redacted] on June 30, As a courtesy to Mr [redacted] we will be purchasing the account back from [redacted] and closing itAdditionally, we will request that this be removed from Mr [redacted] 's credit bureau report and advise that this may take up to days to process Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team Initial Consumer Rebuttal / [redacted] (2000, 10, 2016/03/10) */
CONFIDENTIAL COMMUNICATION September 20, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge CircleBurnsville, 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 FreshStart Installment Loan Account ending in *** Ms [redacted] states she opened a WebBank/Fingerhut FreshStart Installment Loan account in and in the account was reported to a third party collector, [redacted] , with a balance of $She further states on June 14, she made a payment of $and this company continues to sell her information to other third party lendersMs***’s desired resolution is to have the trade line removed from her credit reporting and have this company no longer sell her information According to our records the WebBank/Fingerhut FreshStart Installment Loan account ending in [redacted] was opened online on September 2, Since the application was completed online, a written signature was not requiredAn order was placed on September 23, online for a 7pc Stainless Kitchen Tool Set, a Thomson Pottery 16pc Quadro Dinnerware Set and a Super Chef 44-pcCutlery and Kitchen Gadget SetThe merchandise was shipped via FedEx to the address on the application Fingerhut received the required $down payment with a MasterCard debit card ending in ***A further payment of $was received on November 18, from a checking account ending in ***As there were no further payments received, the unpaid balance of $charged off on May 9, and the account was sold to [redacted] Capital on February 1, Once an account is sold Fingerhut no longer owns or collects on the debtAccording to an account review on September 16, 2016, Equifax is reporting the account accurately as Transfer/Sold with a zero balanceTransUnion is no longer reporting a trade lineNothing is reporting to Experian, as Fingerhut did not begin reporting to Experian until October 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 We understand Ms***’s frustration and have reached out to [redacted] Capital with her concernsIf Ms [redacted] has questions regarding the details of her account, we would encourage her to contact [redacted] Capital, as they have full access to her account information at this point [redacted] Capital can be reached directly at ###-###-#### Thank you for allowing us to assist and explain Sincerely, Kari [redacted] Executive Care TeamKD/sa
Initial Business Response / [redacted] (1000, 6, 2015/08/07) */ CONFIDENTIAL COMMUNICATION August 7, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry that we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] account indicates an enrollment in an insurance plan offered by one of our affiliated companies, Affinion Benefits GroupIt is an accidental death and dismemberment policy which is underwritten by Hartford Life and Accident Insurance Company We obtained her policy proof of enrollment(s) from Affinion, which explained the charges for the insurance premium(s) would be billed quarterly to her WebBank/Fingerhut Advantage Credit AccountThe proof of enrollment is dated April 3, We are sending a copy of the proof of enrollment directly to Ms [redacted] at the address we have on fileAffinion also advised us the insurance policy was cancelled per Ms [redacted] request on May 1, The last time Ms [redacted] was charged for the insurance policy was on February 4, Ms [redacted] billing statement is sent each month on the 11thIf the minimum payment is not received by the due date specified a late fee may be assessed as stated in the terms and conditions she agreed to at the time the account was openedAs a courtesy two late fees were removed on April 4, and April 21, for a total of $We have also credited interest charges in the amount of $The remaining balance on her account as of the date of this letter is $No further charges will be billed to her account for the insuranceIt is important to make on time payments to avoid late fees in the future We appreciate Ms [redacted] patience while we researched her account Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.However, it is NOT as clear as this business states when referencing how I was enrolled in VIP membershipIf it was as clear as they indicate, there wouldn't be a plethora of posts about the devious enrollment process.Thank you for engaging with the customer on my behalf
We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues In the interest of confidentiality, we have attached our response for the consumer to review
[redacted] CONFIDENTIAL COMMUNICATIONMarch 28, 2016Revdex.com of Minnesota Attn: [redacted] SRiver Ridge CircleBurnsville, MN 55337Re: [redacted] Case #: [redacted] Dear Ms [redacted] ,I am writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding his WebBank/Fingerhut Credit AccountMr [redacted] states even though his account was sold, Fingerhut accepted payments on February 8, and February 10, Mr [redacted] further states he was told the payments should have been forwarded a couple of days after they were received, but the collection agency, Jefferson Capital, still has not been notifiedAs he made the payments a month before Jefferson Capital reported the account to the credit bureaus, Mr [redacted] is requesting that Jefferson Capital to delete their trade line and for Fingerhut to update their trade line to reflect paid.According to our records, an application for credit was processed June 24, when an order was placed online for a Lee Men's Carpenter Shorts and a Lee Men’s Belted Cargo Short - RegularThe name and address on the application is the same one Mr [redacted] provided when contacting us regarding this issue.Payments were processed with a checking account, MasterCard and Visa debit card in the name [redacted] The last payment received was on May 22, for $Mr [redacted] ’s account charged off with an unpaid balance of $on December 11, and Fingerhut ceased collection activityThe account was sold to Jefferson Capital on December 30, Fingerhut reported Mr [redacted] ’s account to the credit bureaus on January 13, as Transfer/Sold with a balance of zeroNo further updates have been sent as Fingerhut no longer owns the account.According to our records, Mr [redacted] made an online payment of $on February 8, On February 10, 2016, a second online payment for $was receivedHad Mr [redacted] contacted Fingerhut before he processed the payments online, he would have been redirected to Jefferson CapitalWe have verified that Mr [redacted] ’s two payments received after the account was sold were forwarded to Jefferson Capital on March 10, Please be advised that it can take up to sixty days for the payments to be forwarded and applied once an account is soldMr [redacted] corresponded with an agent via our online chat feature on February 29, and March 18, Mr [redacted] was advised the money would be forwarded, but no time frame was providedAccording to an account review on March 22, 2016, Fingerhut is reporting Mr [redacted] ’s account accurately as Transfer/Sold or Purchased By Another Lender with a balance and past due of zeroWe 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 Mr [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 wellIf Mr [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly ###-###-####Thank you for allowing us to explain.Sincerely,Kari [redacted] Executive Care TeamKD/lg
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.I will keep a close eye on the account to make sure the $credit is posted
CONFIDENTIAL COMMUNICATION December 28, 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 recent inquiry that we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Ms [redacted] states she was told we did not receive her October payment, but then later that month she saw the payment was credited to her accountShe states her payment was not late that month and the $late fee was our error, so she requests a refund for this late fee Our investigation confirms that Ms***’s due date is the 11th of every monthThe issue she describes impacted her September paymentWe agree Ms [redacted] uses her bank’s Bill Pay service each month, which they send as a check by mail, not electronicallyThis check was dated and mailed “September 9, 2016,” and the Payment Department applies payments immediately upon receiving them On September 12, 2016, a payment reminder call was made to Ms***, who stated we should have already received the paymentRecords show we received the $payment on September 14, 2016, although it was applied with a back-date of September 10, and considered paid on time so no late fee resultedHowever, as Ms [redacted] states, she put a stop payment on this check, and it was returned to us as an invalid payment on September 21, This effectively meant her September payment had not been received, so a $late fee was assessed on the same date The amount needed to bring the account current by the October 11, due date was $48.72, the combined total of September and October’s $required minimum dueWe received a $payment on October 8, 2016, so the amount needed to bring the account current by her November 11, due was $with $of that being past dueThe two $payments received on November and November 11, paid the account current Due to the unique circumstances, we have made an exception to our standard policy and credited the $late feeIt is already applied to her account and will reflect on a future statement for her records Ms [redacted] should request her Bill Pay payments be made electronically to ensure they are received and applied as quickly as possible or, if mailed, to do so at least a week in advance of her due date Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah
I am rejecting this response because: In reference to complaint # [redacted] I have checked on the Fingerhut site on "MY ACCOUNT" page the balance now presently listed is $from the previously listed amount of $ I am sorry but it also stated a small amount of change listed in the $balance but I cannot list it, I do not exactly remember what it was and I am not going to falsify an amount But as far as the large dollar amount it was definitely $ I did call Fingerhut after receiving a letter from the Billing Department at 1-866-836-and spoke to a repas was requested in the letter dated July 19,in reference to this situationI was told by the repthat fees would be removed from my acctwithin to business cycles At this present time, checking my accton the Fingerhut site they have already deducted a dollar amount The exact balance amount to date is now $ As it stands presently, it does seem to me that anywhere between $ and $dollars has been deducted According to the conversation with the repand the amtlisted in the Revdex.com email message $and also $dollars was to be deducted As per my original email to the Revdex.com I did list (in reference to my conversation with the rep also at Fingerhut my payments for months would be $July, August, and Sept2016) what my payments would be, $and if rounded off to the nearest dollar $on no later than the 3rd of each month in which I have submitted July 1, the first payment of $ I will follow with another paymtof the same amtby Aug3, I expect to go back to paymtdates and monthly paymtsas of Oct2016, with a due date of Oct18th each month I am truly hoping that since Fingerhut began deducting, they will begin to stick to their part and continue to deduct the exact amtas stated As of right now I don't agree with the amtbecause it doesn't add up to the exact amtslisted in the email or phone conversation The email did not list the promise of the month payment plan originally approved to me in June by the rep It was only mentioned in the latest phone conversation after receiving the letter to call the billing dept I feel a certain amtof distrust because of the extreme changes I experienced with several (5) repsat Fingerhut that I originally tried to settle this situation with, and I ended up having to take this to an extreme level which to me should not have had to happen So I feel that my lack of trust for this company is justifiedAs I mentioned I will follow up and continue to pay my bill down and all I want is for Fingerhut to do their part I have been an excellent customer with one problem that surfaced after several years as a customer After this is over completely, all I want to do in a friendly civil way is part ways upon completion of this matter
I am rejecting this response because: Half of this information is incorrectThe continue to call me through an automatic dailer and I have proof that they sold my account but is still trying to collect payments from meIn addition what they sold my account for is not what is owed to themI haven't made any payment arrangements because they don't even know what is going on with my accountPlease review attachment if Fingerhut credit is issue through web bankPlease address this letter and your representative hung up on me because she could not answer my question listen to recorded conversation
I am rejecting this response because:The response does not state that they will correct the information on my credit reportI would like the correct information reported to the credit bureau and the late payments being reported to be removed from all credit reports/credit reporting agencies
CONFIDENTIAL COMMUNICATION November 11, Revdex.com of Minnesota Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding his WebBank/Fingerhut credit account ending in ***We have included a statement of account activity Mr [redacted] states he has advised Fingerhut on several occasions that he can pay $per monthMr***’s desired resolution is to accept his payment arrangement and waive late fees We value Mr***’s business and although we understand his situation, we cannot honor his proposal as outlined Our records indicate that the last payment of $was received on October 16, On November 10, 2016, Mr***’s WebBank/Fingerhut credit account charged off with an unpaid balance of $Mr***’s account is subject to be soldIt is no longer eligible for a settlement or payment plan; the entire balance is due Mr [redacted] may contact our Billing Department at ###-###-#### to make a same-day paymentTheir hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosure
I am rejecting this response because: this was my first order with this company and new credit It stated Free shipping on your first order with an approved Gettington Credit Account
I am rejecting this response because: I have priced the cables and 60 buck will not cover all the cost for the cables.
Initial Business Response / [redacted] (1000, 5, 2015/07/02) */ CONFIDENTIAL COMMUNICATION July 2, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] 's account indicates that he ordered a South Shore Full Platform Bed - Black and a Sensorpedic 3" Deluxe Full Memory Foam Topper on May 18, via the web Our records indicate that Mr [redacted] contacted us on May 22, and informed us he wanted to return the Sensorpedic 3" Deluxe Full Memory Foam Topper, that it was not what he expected Mr [redacted] 's account indicates that he contacted us June 7, to advise us he was returning the South Shore Full Platform Bed - Black Our records indicate that we received the Sensorpedic 3" Deluxe Full Memory Foam on June 3, His account was credited for the merchandise price on the same dayHowever, the original shipping and handling is non-refundable on return merchandisePer our return policy, the shipping and handling on the items is non-refundable because it was sent back to us for a "non-qualifying" reason (an example of a "qualifying" reason would be for defects or damages not caused by the customer, which in most cases Fingerhut covers this cost.) Our records indicate a credit for the South Shore Full Platform Bed - Black was issued to Mr [redacted] 's account on June 19, Fingerhut's Return Policy 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 As a one-time exception to our policy we have issued a credit to Mr [redacted] 's account for the original shipping and handling, one late fee and finance chargesMr [redacted] currently has a zero balance on his account After careful review of Mr [redacted] 's account, our records indicate that no derogatory information was reported to the credit bureau regarding his account in relation to this matter Mr [redacted] 's account was closed per his request on May 29, and additional purchases on this account will not be allowed Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ca Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/04) */ (The consumer indicated he/she ACCEPTED the response from the business.)
CONFIDENTIAL COMMUNICATION March 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 Ms [redacted] states she made a payment for $in November that brought her account balance to zeroMs [redacted] also states Fingerhut continued to charge her interest, late fees and account protection fees on an account with a zero balanceMs [redacted] maintains Fingerhut did not contact her about the balance due until February 2016, and as a result her credit is damagedMs [redacted] is requesting to have her credit report updated to current because her bill was paid in full in November According to our records, when Ms [redacted] 's statement printed on November 6, 2015, the balance on her account was $On November 20, 2015, a payment was received for her December 2, bill in the amount of $22.10.This left a balance of $ When Ms [redacted] 's statement printed on December 6, 2016, Safeline fees and interest charges were calculated based on the balance of $Ms [redacted] was charged the minimum interest of $and for Safeline account protectionThese charges brought her balance to $ No payment was received by the next due date of January 2, 2016, so a late fee of $was charged to Ms [redacted] 's account When her statement printed on January 6, 2016, Safeline protection fee and interest were charged based on the balance $In February 2016, Ms [redacted] 's account was charged a late fee of $plus Safeline fees and interest charges bringing her balance to $ Ms [redacted] 's payment of $received on February 26, brought the account balance to $The two late fees totaling $were credited as a courtesy on March 2, Although already applied to the account, the credits will reflect on her next monthly statement which will be generated on March 6, An account review on March 4, confirmed that Ms [redacted] 's account is open with a zero balance According to our records, Fingerhut began attempts to reach Ms [redacted] by phone on January 3, These calls continued until February 26, when the account was brought current Ms [redacted] spoke with an agent on January 20, 2016, but according to our records, Ms [redacted] said she was at work and ended the call Fingerhut received an email from Ms [redacted] on January 14, in which she states that she had paid off her billWe responded to the email on January 15, requesting Ms [redacted] to contact Customer Service regarding her billing questions An account review on March 2, 2016, confirmed that Equifax, Experian and Trans Union are reporting accurately 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] still has questions about her account regarding what has or has not been reported to the credit bureaus, please contact us at the address listed above or by calling us toll-free at [redacted] , Monday through Friday 9:00am to 6:00pm Central Standard Time Thank you for the opportunity to explain Sincerely, Kari [redacted] Executive Care Team KD/lg
CONFIDENTIAL COMMUNICATION January 4, 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 In Mr [redacted] ’ inquiry he states he has been unable to get his billing issue resolved with Fingerhut Mr [redacted] also states he has made roughly $in payments towards his balance due After reviewing Mr [redacted] ’ account, his first purchase was on August 31, in the amount of $ On September 27, 2016, Mr [redacted] made a second purchase of $of which he returned on October 17, Mr [redacted] received credits of $202.04, $7.95, and $for the item, original shipping and return shipping Payments have been received in the amounts of $on September 27, and $on October 27, When Mr [redacted] ’ November statement was sent he owed a minimum payment of $8.99, as his balance was $ This payment was due on December 7, When payment was not received, Mr [redacted] received a late fee of $ As a courtesy, this late fee of $was refunded to Mr [redacted] ’ account Mr [redacted] ’ current balance is $and the minimum due to bring the account current is $which is due by January 7, to avoid any further late fees We apologize for any inconvenience this may have been caused to Mr [redacted] If he 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 Sincerely, Vi [redacted] Executive Care Team VF/AH
Initial Business Response / [redacted] (1000, 5, 2016/02/02) */ CONFIDENTIAL COMMUNICATION February 2, Revdex.com of Minnesota # [redacted] Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, Terms and Conditions, credit application and last three monthly statements In Ms***'s complaint, she states that Fingerhut is contacting her at work and on her cell phone regarding a payment that is not past dueMs***'s desired resolution is to have her credit reporting corrected, late fees reversed and not to be contacted unless her payment is past due Our records indicate the WebBank/Fingerhut credit account ending in [redacted] was opened on February 24, when an application for credit was processed onlineThe first order was placed on April 8, for a Sharper Image Fresh Juicer Juicer, American Weigh Kitchen Scale w/Black Bowl and a Year Service PlanThe last order, totaling $129.97, was placed on June 19, We received multiple payments from Visa credit cards ending in and 7393, Visa debit cards ending in and and a checking account ending in The name shown on the accounts is [redacted] ***The last payment of $was received on January 4, Our records indicate that there was no payment received on Ms***'s account from October 23, until January 4, Ms***'s Fingerhut credit account went into a past due status as of November 28, As reflected on her December 1, statement, Ms***'s account showed an amount due by December 27, of which included the past due amount of $which was due on November 27, Also reflected on Ms***'s January 1, statement is an amount due by January 27, of $74.97, which includes a past due amount of $The payment of $37.47, made on January 4, 2016, is not shown on this statement As of February 2, 2016, Ms***'s' account is being reported with a balance of $and past due of $To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, the minimum payment of $must be received by February 27, Please note, reminder calls are made as a courtesy with the aim of assisting Fingerhut customers in making their payments on time An account review on January 29, confirmed that Experian, Trans Union and Equifax are reporting the account accurately 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 Based on our review, per your previous request on January 4, 2016, we revoked consent to call on the phone number currently associated with your account: (720) [redacted] If you wish to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted] , StCloud, MN, Please note, if a cease and desist status is placed on your account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desistA monthly statement will continue to be mailed Your account would also be closed to future purchases and additional purchases on the account will not be allowedHowever, Fingerhut orders may be placed online using Visa, MasterCard, or Discover to pay for the order Any outstanding balance will continue to accrue interest and you may be assessed late fees and your account is still subject to the original terms and conditions of the Agreement If you would like information or the assistance of one of our financial hardship payment plans, you would need to revoke the cease and desist request in writing Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/02/03) */ (The consumer indicated he/she ACCEPTED the response from the business.)
CONFIDENTIAL COMMUNICATION June 10, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding his WebBank/Fingerhut Credit AccountAttached is a statement of account activity Mr [redacted] states payments are being made on time each month, but Fingerhut is not applying the payments to his accountMr [redacted] further states that after one of his payments was processed successfully, Fingerhut continued to run additional payments until his credit card locked upMr [redacted] is requesting an investigation because Fingerhut is calling him in an attempt to collect paymentsMr [redacted] states he can prove that payments have already been made Based on our research, the balance on Mr [redacted] ’s account was zero when he placed an order on November 22, An additional order was placed on December 21, with the first payment of $being due on January 7, According to our records, Mr [redacted] spoke with an agent on January 11, but declined to make a paymentMr [redacted] stated that someone else would be making a payment on his accountThere is no record of any attempted payments being made on Mr [redacted] ’s bill until March 1, when a $payment was processed successfully online with an American Express debit card On April 1, 2016, there were five attempts to process a payment online for $60.00, $60.00, $80.00, $and $Each of the five payment attempts were declined Please note that when a payment declines, the cardholder will see a “Pending Authorization” on their cardThis authorization will be removed and the funds are released back to the card after approximately two to five days On May 24, 2016, Mr [redacted] enrolled in a three-month payment planOn June 5, 2016, the first of three $payments was processed successfullyThe remaining two payments are scheduled to process on July 5, and August 5, After successful completion, Mr [redacted] ’s account will be brought current As of June 10, 2016, Mr [redacted] ’s balance on his account is $ Based on the call logs associated with Mr [redacted] ’s account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern Standard TimeOur records also indicate Fingerhut never attempted to contact Mr [redacted] more than six times in a day while his account was in a delinquent status If MrReeder has further questions, he may contact our Billing Department at ###-###-####Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/lg Enclosure
CONFIDENTIAL COMMUNICATION [redacted] Jessup, Pennsylvania 18434- May 4, 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 order Ms [redacted] states that she purchased a pair of shoes on April 13, and she received a confirmation email that she would get tracking information once it was available She is unable to view the order status online She further states that she contacted Haband and has not received a response Our records confirm that Ms [redacted] placed an internet order on April 13, for a pair of Comfort-well® by Beacon® Stretch-n-Form Pumps for $and free shipping The order was shipped on April 19, via UPS Sure Post with the tracking number [redacted] and was delivered by the local post office on April 25, The USPS tracking number is [redacted] We received an email from Ms [redacted] on Saturday, April 29, with a request to check the status of her order Since our customer service department is closed on weekends, a response was sent to Ms [redacted] on the next business day, Monday, May 1, I called Ms [redacted] on May 4, and she was not available to take the call I spoke with her daughter who answered the phone asked what the call was in regard to She stated that she filed the complaint for Ms [redacted] and that she received the order If Ms [redacted] has any further questions or concerns, she may contact Customer Service at ###-###-#### between am- pm (EST), Monday – Friday Thank you for allowing us to explain Sincerely, Lea [redacted] Haband Customer Service Bluestem Brands, Inc
Initial Business Response / [redacted] (1000, 8, 2016/02/29) */ CONFIDENTIAL COMMUNICATION February 26, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] 's account indicates he purchased a Bissell PowerGlide Premiere Pet vacuum with a Year Service Plan totaling $on October 5, We received the return of the Bissell PowerGlide Premiere Pet Vacuum on January 16, with a reason of "Difficult to Assemble" and the account received credit for the merchandise priceHowever, the original shipping/handling is non-refundable on return merchandise, and a return postage fee was deducted from the credit because it was sent back to us for a "non-qualifying" return reason (An example of a "qualifying" reason would be in cases of a defect or damage not caused by the customer, which in most cases Fingerhut covers this cost.) Fingerhut's Return Policy: We will issue an exchange or refund for most items returned in new condition within days (days for Fingerhut Choice Plus members) of receiptNo returns will be accepted after the home trial period without prior return authorization from FingerhutReturns accepted after the home trial period may result in prorated cash or credit adjustments based on the age and condition of the productReturns 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 customer Music, movies video games and software must be returned 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 the 30-day home trial periodProducts sold in sets must be returned as sets; partial returns will not be acceptedPersonalized Products, Made-To-Measure Window Treatments may only be returned for credit if they are damaged or defectiveExchanges are permitted for identical product onlyGift cards cannot be returnedOther restrictions may apply Our records indicate no payments were made and the subsequently the account was assessed with Late Fees and finance charges Our records indicate that due to severe delinquency, the WebBank/Fingerhut Advantage Credit Account charged off on June 20, with a balance of $and was then sold to [redacted] on June 30, As a courtesy to Mr [redacted] we will be purchasing the account back from [redacted] and closing itAdditionally, we will request that this be removed from Mr [redacted] 's credit bureau report and advise that this may take up to days to process Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team Initial Consumer Rebuttal / [redacted] (2000, 10, 2016/03/10) */
CONFIDENTIAL COMMUNICATION September 20, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge CircleBurnsville, 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 FreshStart Installment Loan Account ending in *** Ms [redacted] states she opened a WebBank/Fingerhut FreshStart Installment Loan account in and in the account was reported to a third party collector, [redacted] , with a balance of $She further states on June 14, she made a payment of $and this company continues to sell her information to other third party lendersMs***’s desired resolution is to have the trade line removed from her credit reporting and have this company no longer sell her information According to our records the WebBank/Fingerhut FreshStart Installment Loan account ending in [redacted] was opened online on September 2, Since the application was completed online, a written signature was not requiredAn order was placed on September 23, online for a 7pc Stainless Kitchen Tool Set, a Thomson Pottery 16pc Quadro Dinnerware Set and a Super Chef 44-pcCutlery and Kitchen Gadget SetThe merchandise was shipped via FedEx to the address on the application Fingerhut received the required $down payment with a MasterCard debit card ending in ***A further payment of $was received on November 18, from a checking account ending in ***As there were no further payments received, the unpaid balance of $charged off on May 9, and the account was sold to [redacted] Capital on February 1, Once an account is sold Fingerhut no longer owns or collects on the debtAccording to an account review on September 16, 2016, Equifax is reporting the account accurately as Transfer/Sold with a zero balanceTransUnion is no longer reporting a trade lineNothing is reporting to Experian, as Fingerhut did not begin reporting to Experian until October 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 We understand Ms***’s frustration and have reached out to [redacted] Capital with her concernsIf Ms [redacted] has questions regarding the details of her account, we would encourage her to contact [redacted] Capital, as they have full access to her account information at this point [redacted] Capital can be reached directly at ###-###-#### Thank you for allowing us to assist and explain Sincerely, Kari [redacted] Executive Care TeamKD/sa
Initial Business Response / [redacted] (1000, 6, 2015/08/07) */ CONFIDENTIAL COMMUNICATION August 7, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry that we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] account indicates an enrollment in an insurance plan offered by one of our affiliated companies, Affinion Benefits GroupIt is an accidental death and dismemberment policy which is underwritten by Hartford Life and Accident Insurance Company We obtained her policy proof of enrollment(s) from Affinion, which explained the charges for the insurance premium(s) would be billed quarterly to her WebBank/Fingerhut Advantage Credit AccountThe proof of enrollment is dated April 3, We are sending a copy of the proof of enrollment directly to Ms [redacted] at the address we have on fileAffinion also advised us the insurance policy was cancelled per Ms [redacted] request on May 1, The last time Ms [redacted] was charged for the insurance policy was on February 4, Ms [redacted] billing statement is sent each month on the 11thIf the minimum payment is not received by the due date specified a late fee may be assessed as stated in the terms and conditions she agreed to at the time the account was openedAs a courtesy two late fees were removed on April 4, and April 21, for a total of $We have also credited interest charges in the amount of $The remaining balance on her account as of the date of this letter is $No further charges will be billed to her account for the insuranceIt is important to make on time payments to avoid late fees in the future We appreciate Ms [redacted] patience while we researched her account Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.However, it is NOT as clear as this business states when referencing how I was enrolled in VIP membershipIf it was as clear as they indicate, there wouldn't be a plethora of posts about the devious enrollment process.Thank you for engaging with the customer on my behalf
We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues In the interest of confidentiality, we have attached our response for the consumer to review
[redacted] CONFIDENTIAL COMMUNICATIONMarch 28, 2016Revdex.com of Minnesota Attn: [redacted] SRiver Ridge CircleBurnsville, MN 55337Re: [redacted] Case #: [redacted] Dear Ms [redacted] ,I am writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding his WebBank/Fingerhut Credit AccountMr [redacted] states even though his account was sold, Fingerhut accepted payments on February 8, and February 10, Mr [redacted] further states he was told the payments should have been forwarded a couple of days after they were received, but the collection agency, Jefferson Capital, still has not been notifiedAs he made the payments a month before Jefferson Capital reported the account to the credit bureaus, Mr [redacted] is requesting that Jefferson Capital to delete their trade line and for Fingerhut to update their trade line to reflect paid.According to our records, an application for credit was processed June 24, when an order was placed online for a Lee Men's Carpenter Shorts and a Lee Men’s Belted Cargo Short - RegularThe name and address on the application is the same one Mr [redacted] provided when contacting us regarding this issue.Payments were processed with a checking account, MasterCard and Visa debit card in the name [redacted] The last payment received was on May 22, for $Mr [redacted] ’s account charged off with an unpaid balance of $on December 11, and Fingerhut ceased collection activityThe account was sold to Jefferson Capital on December 30, Fingerhut reported Mr [redacted] ’s account to the credit bureaus on January 13, as Transfer/Sold with a balance of zeroNo further updates have been sent as Fingerhut no longer owns the account.According to our records, Mr [redacted] made an online payment of $on February 8, On February 10, 2016, a second online payment for $was receivedHad Mr [redacted] contacted Fingerhut before he processed the payments online, he would have been redirected to Jefferson CapitalWe have verified that Mr [redacted] ’s two payments received after the account was sold were forwarded to Jefferson Capital on March 10, Please be advised that it can take up to sixty days for the payments to be forwarded and applied once an account is soldMr [redacted] corresponded with an agent via our online chat feature on February 29, and March 18, Mr [redacted] was advised the money would be forwarded, but no time frame was providedAccording to an account review on March 22, 2016, Fingerhut is reporting Mr [redacted] ’s account accurately as Transfer/Sold or Purchased By Another Lender with a balance and past due of zeroWe 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 Mr [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 wellIf Mr [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly ###-###-####Thank you for allowing us to explain.Sincerely,Kari [redacted] Executive Care TeamKD/lg
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.I will keep a close eye on the account to make sure the $credit is posted
CONFIDENTIAL COMMUNICATION December 28, 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 recent inquiry that we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Ms [redacted] states she was told we did not receive her October payment, but then later that month she saw the payment was credited to her accountShe states her payment was not late that month and the $late fee was our error, so she requests a refund for this late fee Our investigation confirms that Ms***’s due date is the 11th of every monthThe issue she describes impacted her September paymentWe agree Ms [redacted] uses her bank’s Bill Pay service each month, which they send as a check by mail, not electronicallyThis check was dated and mailed “September 9, 2016,” and the Payment Department applies payments immediately upon receiving them On September 12, 2016, a payment reminder call was made to Ms***, who stated we should have already received the paymentRecords show we received the $payment on September 14, 2016, although it was applied with a back-date of September 10, and considered paid on time so no late fee resultedHowever, as Ms [redacted] states, she put a stop payment on this check, and it was returned to us as an invalid payment on September 21, This effectively meant her September payment had not been received, so a $late fee was assessed on the same date The amount needed to bring the account current by the October 11, due date was $48.72, the combined total of September and October’s $required minimum dueWe received a $payment on October 8, 2016, so the amount needed to bring the account current by her November 11, due was $with $of that being past dueThe two $payments received on November and November 11, paid the account current Due to the unique circumstances, we have made an exception to our standard policy and credited the $late feeIt is already applied to her account and will reflect on a future statement for her records Ms [redacted] should request her Bill Pay payments be made electronically to ensure they are received and applied as quickly as possible or, if mailed, to do so at least a week in advance of her due date Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah
I am rejecting this response because: In reference to complaint # [redacted] I have checked on the Fingerhut site on "MY ACCOUNT" page the balance now presently listed is $from the previously listed amount of $ I am sorry but it also stated a small amount of change listed in the $balance but I cannot list it, I do not exactly remember what it was and I am not going to falsify an amount But as far as the large dollar amount it was definitely $ I did call Fingerhut after receiving a letter from the Billing Department at 1-866-836-and spoke to a repas was requested in the letter dated July 19,in reference to this situationI was told by the repthat fees would be removed from my acctwithin to business cycles At this present time, checking my accton the Fingerhut site they have already deducted a dollar amount The exact balance amount to date is now $ As it stands presently, it does seem to me that anywhere between $ and $dollars has been deducted According to the conversation with the repand the amtlisted in the Revdex.com email message $and also $dollars was to be deducted As per my original email to the Revdex.com I did list (in reference to my conversation with the rep also at Fingerhut my payments for months would be $July, August, and Sept2016) what my payments would be, $and if rounded off to the nearest dollar $on no later than the 3rd of each month in which I have submitted July 1, the first payment of $ I will follow with another paymtof the same amtby Aug3, I expect to go back to paymtdates and monthly paymtsas of Oct2016, with a due date of Oct18th each month I am truly hoping that since Fingerhut began deducting, they will begin to stick to their part and continue to deduct the exact amtas stated As of right now I don't agree with the amtbecause it doesn't add up to the exact amtslisted in the email or phone conversation The email did not list the promise of the month payment plan originally approved to me in June by the rep It was only mentioned in the latest phone conversation after receiving the letter to call the billing dept I feel a certain amtof distrust because of the extreme changes I experienced with several (5) repsat Fingerhut that I originally tried to settle this situation with, and I ended up having to take this to an extreme level which to me should not have had to happen So I feel that my lack of trust for this company is justifiedAs I mentioned I will follow up and continue to pay my bill down and all I want is for Fingerhut to do their part I have been an excellent customer with one problem that surfaced after several years as a customer After this is over completely, all I want to do in a friendly civil way is part ways upon completion of this matter
I am rejecting this response because: Half of this information is incorrectThe continue to call me through an automatic dailer and I have proof that they sold my account but is still trying to collect payments from meIn addition what they sold my account for is not what is owed to themI haven't made any payment arrangements because they don't even know what is going on with my accountPlease review attachment if Fingerhut credit is issue through web bankPlease address this letter and your representative hung up on me because she could not answer my question listen to recorded conversation
I am rejecting this response because:The response does not state that they will correct the information on my credit reportI would like the correct information reported to the credit bureau and the late payments being reported to be removed from all credit reports/credit reporting agencies
CONFIDENTIAL COMMUNICATION November 11, Revdex.com of Minnesota Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding his WebBank/Fingerhut credit account ending in ***We have included a statement of account activity Mr [redacted] states he has advised Fingerhut on several occasions that he can pay $per monthMr***’s desired resolution is to accept his payment arrangement and waive late fees We value Mr***’s business and although we understand his situation, we cannot honor his proposal as outlined Our records indicate that the last payment of $was received on October 16, On November 10, 2016, Mr***’s WebBank/Fingerhut credit account charged off with an unpaid balance of $Mr***’s account is subject to be soldIt is no longer eligible for a settlement or payment plan; the entire balance is due Mr [redacted] may contact our Billing Department at ###-###-#### to make a same-day paymentTheir hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosure
I am rejecting this response because: this was my first order with this company and new credit It stated Free shipping on your first order with an approved Gettington Credit Account