Initial Business Response / [redacted] (1000, 6, 2015/06/26) */ CONFIDENTIAL COMMUNICATION June 26, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut FreshStart Account Our records indicate since November 19, there have been orders placed on Mr***'s accountAll of these orders have been for men's shoesThere have been two orders that have shipped and both were delivered to the address Mr [redacted] included in his inquiryThe remaining orders have all been cancelledAll of the orders except one have been placed on our websiteThe only email address that has been listed on this account is the same one Mr [redacted] included in his inquiry Unauthorized account registration and activity is a serious matter, and we have certain procedures in place to assist those making this claimOn January 18, an order was placed for a pair of New Balance Men's Running Shoes in Silver/Red size At the time of the order being placed a down payment of $was requested per the terms and conditions of the Fingerhut FreshStart AccountThe down payment was made through a checking account ending in Mr***'s financial institution returned the payment to us because the bank account associated with the payment information that was provided to us at the time of the order was closedThe order shipped on January 26, and according to the tracking information was delivered on January 31, at 2:PM to Mr***'s address We have also received recent payments on June 21, for $60.00, June 22, for $52.16, June 23, for $and on June 24, for $The payments were made using a checking account ending in We allow days for the payment to clear through the financial institution In order for an investigation to be completed regarding the merchandise Mr [redacted] states he did not order or receive our Credit Risk Department will require a police report to be filed and a copy of the reportOur records indicate Mr [redacted] contacted our Customer Service Department multiple times on June 25, advising us that he has filed a police report however we were unable to obtain all the information required for our investigationMr [redacted] spoke with a Supervisor and advised that he would be mailing a copy of the police report to usMr [redacted] should allow days for the report to be receivedOur Credit Risk Department will contact Mr [redacted] by mail once their investigation is completeUntil the investigation is completed no orders may be placed on the account We appreciate Mr***'s patience while we researched his concerns and thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/bw Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/06/26) */ (The consumer indicated he/she ACCEPTED the response from the business.) I ahve a police report in from of me
Initial Business Response / [redacted] (1000, 11, 2015/10/12) */ CONFIDENTIAL COMMUNICATION October 9, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Records indicate Ms [redacted] placed an order for a Jensen in Home Stereo System via the web on June 7, Our records indicate that Ms [redacted] contacted us on June 15, indicting the cd would not open and she would return the item Records indicate Ms [redacted] contacted us on June 24, and an affidavit of non-receipt of returned merchandise was sent to herMs***'s account indicates she contacted us several times and was informed that she needed to return the completed affidavit Ms***'s account indicates we received the Affidavit of non-receipt of returned merchandise on July 6, and a letter informing her that we did not receive the requested return receipt was sent to her on that same day Ms***'s account indicates she contacted us on August 12, and stated she would send us the tracking results she received from the post office Our records indicate that we received the tracking results from Ms [redacted] on August 25, and her claim was denied as tracking indicated the package was not shipped to the correct address As a courtesy, we have issued a full credit of $for the Jensen in Home Stereo System and a credit of $for related finance chargesMs [redacted] will see this credit on her October 24, billing statement Ms***'s account indicates she had a balance on her account prior to her order for the Jensen in Home Stereo SystemMs***'s account indicates we did not receive a minimum payment due on August 20, and September 20, Consequently, her account incurred three late feesWe strongly advise customers keep their account in good standing by making the minimum amount due each month, even while engaged in a dispute As a reminder, timely payments are important and the minimum payment is required by the due date each monthWhile we understand Ms***'s frustration regarding returned merchandise, this was and is not sufficient grounds to relieve a customer of their payment obligation on outstanding debt Credit for late fees will not be issued and as Ms [redacted] remained obligated to make at least the minimum amount due on her previous purchases, and because no payments were received, we cannot remove the past due payment history that has been reported to the credit agenciesPlease understand that if we were to remove the negative history, we would be knowingly reporting inaccurate information to credit reporting agencies, which is a violation of the Fair Credit Reporting Act Ms***'s current balance is $as of October 7, Sincerely, Vi [redacted] Executive Care Team VF/ca Initial Consumer Rebuttal / [redacted] (2000, 13, 2015/10/13) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept refund from companyThank,you I believe it is the correct response to doJust a note where complaint wrote " package not sent to correct address" iI repeat its company label once usps took it I so not travel with packqgeYour label your address I,do appreciate refund but honestly stop trying,to put any,blame on me, can any,company just,say,they,are wrong just onceI also acknowledge miss payment (caught off guard by death in immediate family.) I accept responsibility for miss payment & late feesI knew it,would happen when other things had to b taken care ofI also,acknowledge Ineed to catch up on my paymentsI handled things the best,i,couldRight or,wrong at,that,moment.SEE Not so,hard to,admit itThank you BBC for your,helpThank you to to the company for the refund I hope you put,this behind us now
I am rejecting this response because: the phone had been repairedThis issue has nothing to do with the screen being brokenThis issue has to do with music and the reader when you try to do banking or whatever requires you to use prompts
Initial Business Response / [redacted] (1000, 5, 2015/12/29) */ CONFIDENTIAL COMMUNICATION December 29, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Our investigation confirms two separate orders on Ms [redacted] 's account from December 10, Each order consisted of a 14-Karat White Gold Open Heart Pendant and two (2) 14-Karat Gold Open Heart PendantsThese were also self-serviced, as they were placed directly via the Gettington website The first order was placed without a promotion code, and the second order was placed shortly afterward that had a promotion code for free shipping applied to itWhile we are uncertain whether Ms [redacted] or someone else placed these, these are valid web orders All of the items were shipped from one of our jewelry vendors, and they have confirmed that all six items from both orders were shipped in one parcel under UPS tracking # [redacted] Ms [redacted] should use the prepaid return label that we have sent to her email on file of [redacted] @aol.com to return the items in question so that we can make the necessary credit adjustments to her account If Ms [redacted] maintains she did not receive the items from the second order, we will require her to complete and return an affidavit of merchandise not receivedThis is in accord with our policy, and when our records showing we met our delivery obligations differ from what the customer states they received We have sent Ms [redacted] another affidavit which should arrive within ten days of the above dateWe appreciate her ongoing cooperation and understanding in this matter Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) 12/31/Spoke to a "may" female in Customer Service @12:pm EST not much success again (no help at all), almost hour going nowhere & her not understanding barely anything I said, just read from scripted form as instructed to say to customersWas told to contact "Credit Dept", I called them direct, today, at 1:pm EST, Spoke to "Dora"This woman Dora did speak fluent english, understood etc., was the most helpful out of everyone spoke with (since very start of this problem, so far) Told Dora the whole situation again, she looked into it while I was placed on holdDora, eventually came back & told me the credit (duplicate charge) for $368.94, will be issued immediately and will see it online (when I sign into the Gettington account) where my new balance will be shown & seen as $ [redacted] It wasn't it shows new balance (online)as: Current Balance: $**This is due to the Safeline Plus added to the new balance of $(Yes I know, doesn't add up correctly, but that's what they have on the site - my account page online) I also told Dora, 'there's "Safeline Plus fee (for both orders totaled $14.71), I don't even know what it is & why charged thisDora said: "it's a protection coverage in case product breaks, damaged etc; it works like a warranty for your purchased items." Told her I never ordered this & want to be refunded this as wellShe said, "can be refunded this fee 14.71, but need to call Safeline Plus directly and tell them, they'll cancel & refund you directly, Here is the number, call them when we're finished." **I did do this, afterwards[redacted] Next, I asked Dora (none of any CustService people spoke to throughout start of problem to date, seemed able to do nor, even understand what needed to be done): "Now that the new balance is in place, $343.97, my MONTHLY MINIMUM PAYMENT DUE, needs to be re-adjusted from the original duplicate rated Mominpaymt shown as $-- *the charge for original & the duplicate order added in (never ordered duplicate order or received a duplicate order--though CHARGED TWICE--as wrote in previous/original complaint filed)as combined total for that MoMinPaymt Due amount shown online & on my paper statement (received in regular mail) as well." Reason: "It's now the wrong figure & I need to know what the new Monthly MinPaymt Due, will be so I can make a payment on time." Dora said; "It will be $Will see this adjustment as well, in the Monthly Minimum Payment Due section (online and on next paper statement), each month." **Unfortunately this wasn't the case, because I went to make a payment (pay online) and "MoMinPaymt Due" STILL WRONG & shows the original $rate due by Jan15, --which is inaccurate, still not adjusted to correct amount of $18.91, yet! I didn't want to miss making a payment, I didn't pay this $at all! I paid $(on 1/04/& post dated it for 1/15/16) & post dated the online payment, to be paid on the actual due date of 1/15/*See Attached Files[redacted] As far as a Affidavit goes, no need for it, like stated in original filed complaint! Again, since I never originally ordered a "duplicate/2nd order", nor received this "duplicate/2nd order" either, I OBVIOUSLY would not expect another pkgor look! I expect this matter to be resolved correctly--Gettington coneeds to get things done correctly, no excuses etc(also fully train their people in Customer Service especially)I do not need them screwing up my credit because they can't seem (or choose not to do such)get things accurate & done correctly Thank you [redacted] Final Business Response / [redacted] (4000, 17, 2016/02/01) */ January 29, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] Please allow us to explain that the billing system can only adjust the minimum monthly payment amount at the start of a new billing cycleThe duplicate order issue resulted in the system calculating a minimum due amount that was higher than it otherwise would have been At the time we received the $payment, the correct minimum amount due had not yet been updated as it was still within the original billing cycle timeframeWe agree that Ms [redacted] was not at fault, and that is why we credited the late fee that was assessed Please be assured that no past due reporting or any other negative effect to Ms [redacted] 's credit files has occurred as a result of this We have also issued credit for the remaining balance of $At this time, Ms [redacted] has been refunded in full for the SafeLine fee previously billedThis will reflect on her upcoming monthly statement Ms [redacted] 's account reflects a paid current status as of the date of this letterThe correct minimum amount due of $has been restored to Ms [redacted] 's account for the next due date of February 15, Sincerely, Vi [redacted] Executive Care VF/ah Final Consumer Response / [redacted] (3000, 19, 2016/02/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) It's still only partially corrected, though not completely corrected yet, is whyDue to their inconsistencies, I do not trust how permanent these actions on their part (to accurately, completely & permanently correct this ongoing matter), which can cause me credit problems further down the road as result of their inconsistencies & continued errors Thank you [redacted]
Full response attachedCONFIDENTIAL COMMUNICATION: Ms [redacted] should expect to receive a billing statement each month, showing an amount due by a certain date each monthShe can make payments on our website, by calling or us by mailing her payment inIf she needs to make payment arrangements, she can call us at ###-###-#### between the hours of 7:00am and 9:00pm, CT, Monday through FridayWe have credited a late fee as a courtesy, and that will be reflected on a future billing statement
I am rejecting this response because: I HAVE ALREADY TALKED TO CUSTOMER SERVICE AT FINGERHUT ABOUT THEM CHARGING A HIGHER PRICE FOR MERCHANDISE FROM FIGI'S, HP, ETC AND OTHER COMPANIES THEY ARE RIPPING PEOPLE OFFIF I DIDN'T NEED MY COMPUTER AND OTHER THINGS I PURCHASED FROM FINGERHUT (EVEN THOUGH THEY APPROVED MY CREDIT) I WOULDN'T HAVE OPENED AN ACCOUNTTHEY GIVE NO SATISFACTION AND WEBBANK IS ALSO A RIPP OFF WITH INTEREST/PRINCIPAL VERY HIGH
Initial Business Response / [redacted] (1000, 5, 2015/07/16) */ CONFIDENTIAL COMMUNICATION July 15, # [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 We sincerely apologize for any difficulty Mr [redacted] experienced as a result of the issue outlined in the inquiryOur records confirm that Mr [redacted] purchased a Sunbeam 2-Slice Toaster and an Alcove Fast Dry 10-Piece Bath Towel Set on June 30, Mr [redacted] telephoned on July 7, first notifying that the toaster was not inside the package with the towels as it should have beenHe also stated that the towels he received were not the ones he orderedAs a remedy, the phone agent submitted a replacement order at no additional costRegrettably, the shipping address that was on Mr [redacted] 's account at that time was still set to [redacted] Watauga, TX 76148, where it was delivered on July 13, On July 15, a customer service agent telephoned Mr [redacted] regarding this situationThe agent explained that the shipping address had been updated to the Watauga, TX address when an order was placed on the Fingerhut website on December 14, With Mr [redacted] 's authorization, the agent updated his account and assured that both the billing and shipping were now both [redacted] , [redacted] North Richland Hills, TX Due to the oversight by the agent who processed the replacement order not verifying the shipping address before placing it, the agent offered and apology and advised he was sending Mr [redacted] a $discount couponMr [redacted] advised that he knew the person(s) at the Watauga, TX address and should be able to pick up the package from them We appreciate Mr [redacted] 's patience and understanding in this matter, and again apologizeHe should allow up to days from the above date for the discount coupon to arriveThank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was promised a replacement of the items shippedIt is not my fault that they sent items to wrong address Soneone from Corporate offices called me on July and sent another order [redacted] I never received that order as promisedAll I received was a piece of paper with a promo code for a discount on my next orderI am sorry to saY , THERE WILL NOT BE A NEXT ORDER And would like to close my accountThank youI also want a full credit for my last order to be applied to my account Mr [redacted] Final Business Response / [redacted] (4000, 9, 2015/07/27) */ CONFIDENTIAL COMMUNICATION July 27, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] Recently on July 24, 2015, Mr [redacted] spoke with a supervisor by phoneBased on the additional information Mr [redacted] provided, the supervisor made an exception to our standard policy and issued an account credit for the full cost of the toaster and towel set including shipping/handling Although already applied to the account, these credits will reflect on a future monthly billing statement for Mr [redacted] 's records Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah
Revdex.com: I will proceed and contiue to fight finger Hut on this because their lieing and should be aloud to get away with this! I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me
Initial Business Response / [redacted] (1000, 8, 2016/02/04) */ CONFIDENTIAL COMMUNICATION February 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 Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] purchased a ProForm Comfort Stride Elliptical on December 8, This was shipped directly from Fingerhut's vendor, and records show it was returned to shipper by the carrier as undeliverableUnfortunately, we were not notified of this return by the vendorAs of January 27, 2016, the full purchase price of $was credited back to Ms [redacted] accountWe apologize for the delay in credit As a courtesy, on January 28, a late fee in the amount of $was waived from Ms [redacted] accountThe interest for the month of January in the amount of $was also waived on January 29, These credits will appear on her next printed statement Per Ms [redacted] request her account was closed on January 29, The outstanding balance will continue to accrue interest and remains subject to the terms and conditions of the AgreementMs [redacted] will not be able to use her account for any purchases, effective immediatelyMs [redacted] 's current balance is $Her next minimum payment due of $is due by February 13, Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
March 18, 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 Mr [redacted] regarding his WebBank/Fingerhut Credit Account Mr [redacted] states he was informed on February 24, that once his account was paid in full, it would be removed from his credit reportHe further states that he made a $payment to catch up on the account and was unaware at that time the account was charged offMr [redacted] indicates he has settled his account with the account owner, [redacted] Mr***'s desired resolution is to have the trade line removed from his credit bureau reporting Our records indicate that on September 30, 2013, an application was processed online using Mr***' personally identifiable informationHe was approved for a Fingerhut FreshStart Installment Loan account ending in with a credit limit of $Mr [redacted] successfully completed the FreshStart Installment Loan account and graduated to Fingerhut revolving credit account ending in [redacted] on March 20, The unpaid balance of $charged off on August 7, and the account was sold to [redacted] on September 1, According to our records, Mr [redacted] contacted Fingerhut on August 13, 2015, after the account had charged off and scheduled a partial payment for $Mr [redacted] spoke to a second representative approximately minutes after he scheduled this payment and was advised the account was charged off and may be sold at any timePer Mr [redacted] request, the scheduled payment for $was cancelled that same day Fingerhut received an email from Mr [redacted] on October 27, checking to see if he could get his account re-instated after he recovered from his financial issuesMr [redacted] was advised his account was sold to [redacted] and he was directed to contact the account owner Mr [redacted] has disputed the account with the credit bureaus on November 12, and January 8, He was advised each time his account was reporting accurately as sold to another lender and he was directed to contact the account owner A review of the chat transcript on February 24, indicates that Mr [redacted] was advised his account was sold to another lenderHe stated he was told he would have to contact Fingerhut to have his trade line removedHe was advised that even though his account was sold to another lender Fingerhut will still reflect on his credit reportHe again asked who to speak with at Fingerhut about getting his account removed once his payment clearedHe was advised to contact [redacted] for further assistanceHowever, the representative incorrectly stated "your account will be automatically removed from your credit report once your payment is cleared from the agency handling your account." We apologize for any inconvenience this may have caused Please note Fingerhut does not offer deletion of credit bureau reporting for paymentWe are required by law to furnish accurate reporting.If Mr [redacted] was promised by [redacted] that they would accept payment for deletion of their trade line and they are still reporting his account to the credit bureaus, he would need to contact [redacted] directly at [redacted] An account review completed March 17, 2016, indicates the credit bureaus are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zero 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 Mr [redacted] 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 Thank you for the opportunity to explain Sincerely, Kari [redacted] Executive Care Team KD/sa
Initial Business Response / [redacted] (1000, 5, 2015/07/08) */ CONFIDENTIAL COMMUNICATION July 7, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] *** Our Marketing Department does extensive research to determine which potential customers would be interested in ordering from Fingerhut, and as a result of this process, Mr [redacted] was identified as a potential customer To comply with Mr***'s request, we have now added him to the Do Not Solicit listAs our contact lists are prepared several weeks in advance, it may take up to four to six weeks for the solicitations to completely stop Allowing for this timeframe, Mr [redacted] will cease to be contacted in any way by our companyWe apologize for any inconvenience Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah
I am rejecting this response because: Re : Inaccurate reporting of Finger Hut Web Bank account Fingerhut # [redacted] In your reply via the Revdex.com of 05/16/ , line of your letter states, " According to public record, Mr [redacted] filed Chapter bankruptcy on August 24, Fingerhut was notified by the courts and updated Mr [redacted] ’s account to Closed due to Bankruptcy on November 1, 2010." As a creditor, Finger Hut- Web Bank is/was entitled to such notification and as such was entitled to close said account at its sole discretion, notwithstanding, the paragraph in reference, " closed due to bankruptcy " is not synonymous to reporting as " included in bankruptcy/ included in chapter payment plan"; the status classification of one versus the other has significant adverse consequencesThe latter constitutes an inaccurate reporting of the disputed account's status(See exhibit 1, and 3rd ) Please note for the records that this Finger Hut Web Bank account status in dispute was never delinquent at anytime, nor at the time of bankruptcy filing, in fact, this specific account was never used from the date of opening of said account up until the date filing; and as ascertained in your reply via the Revdex.com on 05/16/ This also coalesces the fact of that account's none default status The above, at minimum, may have entitled Finger Hut - Web Bank to report said account as "closed by creditor" as is the industry practice within the U.S bankruptcy code ; chapter statutory period, however, as previously stated in my letter of May 4th, 2016; " In fact, per the case filing of list of creditors, ( see the attached Schedule F) said account was never included in the list of accounts listed/included in my bankruptcy If you/Trans Union, Web Bank, et al or whichever party , inclusive of the creditor; persist to continue listing said account as included in bankruptcy, please kindly provide documentary proof of such of any such approved court motion for Web Bank's inclusion or proof of claim submitted to the U.SBankruptcy Trustee as a claim for payment and thus inclusion in the then payment plan ; within days of the date of this letter Otherwise, please remove/delete or correct accordinglyPlease see attached"Regardless of the fact that I have made several attempts to communicate and or resolve this issue on several occasions as requested in the Finger Hut Web Bank agreement ( exhibit ), please note for the records; date of my letter of 05/04/and today's date of 05/16/2016; the date on which Finger Hut -Web Bank decided to issued a written reply of non-actions Finally, if this matter is not resolved within business days as of May 18th, 2016, I will take such non- actions to IMMEDIATELY REMEDY said adverse reporting as malicious and thus, as my queue to initiate actions via alternative medium to remedy said Sincerely, [redacted] ###-###-#### SSN# [redacted]
I am rejecting this response because:The computer is of very poor qualityIt has numerous performance issues after a very short period of time I would like fingerhut to at least credit my account for a portion of the price of the merchandiseI am a single women living on a fixed income and would be grateful for anything they can do
CONFIDENTIAL COMMUNICATION March 11, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate an order was placed on November 20, We sincerely apologize for the inconvenience caused by the incorrect advertisement on our websiteWhen the ad error was reported the item was removed from our websiteOnce our investigation was completed, the correct image and description for product code NB29J was updated on our websiteTo ensure our customers have the most up to date information available, we use a direct link to the image on our websiteDue to the image correction made on our website, the direct link in our emails and on Ms [redacted] 's account for that specific item will now display the updated image and description In order for us to assist Ms [redacted] , we are requesting a copy of the printed email she received that shows the image of the safe and the description if possibleMs [redacted] can send the requested information via email to [email protected] with Attn: Becky in the subject line; or via fax to [redacted] Executive Care Team Attn: BeckyMs [redacted] can also return the information via regular mail to Executive Care Team Attn: Becky [redacted] Saint Cloud, MNOnce the information is received we will research further for complete resolution Additionally, we are including a postage paid return label for Ms [redacted] to use to return the Werner Step Ladder Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because: It seems to me that you are more focus on saying that I should not have filed this on my bankruptcyI filed everything that was on my bankruptcy and the judge excepted everythingI filed in but it was not process until after I applied for services with Finger hutAll of this should not matter because it was paid in full and you have been reporting me negative since Finger Hut has been reporting negative on my credit report since - and I have been requesting you to update the status of not paid to paid since my bankruptcy and you have notI have documents that you were included in my bankruptcyI also provided documentation that you transferred the account to [redacted] , LLC and they reported negative on my accountI am not suppose to have two creditors for the same bill on my credit report for the same itemThe Law states that for the credit bureauI am asking you to get off my credit report because through my bankruptcy [redacted] and Finger Hut WebBank have been reporting on their with [redacted] and that is illegalWebBank/Finger Hut transferred/sold the account to [redacted] , LLC their for you can no longer report on my credit report it is the lawI spoke with my lawyer and they are taking action against thisI read the law and I understood everythingYou have been reporting me negative since I filed my bankruptcy but did not go forward until sometime in Your company WebBank/Finger Hut and [redacted] , LLC were both on my bankruptcy and you both reported negativeI paid [redacted] and they remove themselves off my credit report as paid in fullYou kept reporting negative as I asked for the last years to update it to positive paid in full and Fingerhut has refused to update my reportI received a letter from Fingerhut and I am attaching it I did nothing wrong I paid my debt to [redacted] and finger hut has been reporting negative on me for yearsI asked that you remove yourself off my credit report because you made the mistake of not reporting paid on my credit reportI am doing everything right after I filed my bankruptcy and your company has not been fairI paid finger hut the money that I was suppose to pay and you never updated my credit reportWebBank/Finger Hut sold this account why are you reporting negative on my credit report for the last years
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is reasonably satisfactory to me I'll equate it to "guilty with an explanation."I very much appreciate your help with this This is the first time I have ever felt a need to register a complaint with any branch of the Revdex.com and I can say that I'm much more satisfied with your assistance than I am with the company's response.Thank you for your very prompt assistance.D [redacted]
Initial Business Response / [redacted] (1000, 5, 2016/01/22) */ CONFIDENTIAL COMMUNICATION January 22, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate on November 30, Mr [redacted] purchased a South Shore Sparkling Twin Bookcase Headboard, a South Shore Sparkling Night Stand, a South Shore Sparkling 5-Drawer Chest - White, and a South Shore Sparkling Dresser - White On December 1, Mr [redacted] contacted Fingerhut to cancel this orderWe were able to cancel the shipment of the headboardPlease understand that we start filling orders as soon as possible and occasionally a product is already in the process of being shipping at the time a cancellation request is processedThis is what occurred in the case of the other items Mr [redacted] ordered Mr [redacted] refused delivery of the items and they were returned to one of our vendorsOn December 28, we contacted our vendor and they confirmed they received the return of the night stand, drawer chest, and dresser A credit for the full purchase price of the items ($for the night stand, $for the drawer chest, and $for the dresser) was credited to Mr***'s account on January 12, Mr [redacted] will see these credits on his next monthly statement The interest that was charged for these items in the amount of $has been credited to Mr***'s account on January 21, As a courtesy to Mr [redacted] we have also waived a late fee of $that was applied to his account on January 15, Two interest charges one for $and another for $were credited as well At this time Mr***'s account balance is $A minimum payment of $is due by February 15, We apologize for any inconvenience this may have caused Mr***Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/01/22) */ (The consumer indicated he/she ACCEPTED the response from the business.)
June 30, Re: [redacted] Case # We are writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding Old Pueblo Traders VIP Plus program In Ms [redacted] 's inquiry, she states she made a purchase for a skirt, ballerina flats, two cardigans and a velour pant set from Old Pueblo Traders on October 20, and was enrolled in the Old Pueblo Traders VIP Plus program without her knowledge In contacting VIP Plus, they offered her a six month refundMs [redacted] is requesting a full refund, to be removed from Old Pueblo Traders and their affiliated companies mailing and email lists and for this predatory program to be immediately stopped To enroll in the Old Pueblo Traders VIP Plus program, Ms [redacted] , was first required to click on the offer and she was then taken to a web page that fully disclosed the terms, benefits, and costs of the Old Pueblo Traders VIP Plus programBy entering her e-mail address, zip code and clicking the "Join" button, she activated a membership in Old Pueblo Traders VIP Plus programHad she skipped any one of these steps, no membership would have been established Per Ms [redacted] 's request and consistent with the terms and conditions of the Old Pueblo Traders VIP Plus program, we canceled her membership on June 13, and issued six credits of $each to her Discover Card ending in ***On June 29, 2017, twenty-six additional credits of $each and one credit of $were also credited to Ms [redacted] 's Discover Card ending in ***The total amount of credits issued to Ms [redacted] 's Discover Card to date is $She has been refunded for the total amount she paid for the Old Pueblo Traders VIP Plus program We have removed Ms [redacted] from Old Pueblo Traders and all of our affiliated companies mailing and email address per her request Thank you for allowing us to explain Diane ***
Initial Business Response / [redacted] (1000, 6, 2015/06/26) */ CONFIDENTIAL COMMUNICATION June 26, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut FreshStart Account Our records indicate since November 19, there have been orders placed on Mr***'s accountAll of these orders have been for men's shoesThere have been two orders that have shipped and both were delivered to the address Mr [redacted] included in his inquiryThe remaining orders have all been cancelledAll of the orders except one have been placed on our websiteThe only email address that has been listed on this account is the same one Mr [redacted] included in his inquiry Unauthorized account registration and activity is a serious matter, and we have certain procedures in place to assist those making this claimOn January 18, an order was placed for a pair of New Balance Men's Running Shoes in Silver/Red size At the time of the order being placed a down payment of $was requested per the terms and conditions of the Fingerhut FreshStart AccountThe down payment was made through a checking account ending in Mr***'s financial institution returned the payment to us because the bank account associated with the payment information that was provided to us at the time of the order was closedThe order shipped on January 26, and according to the tracking information was delivered on January 31, at 2:PM to Mr***'s address We have also received recent payments on June 21, for $60.00, June 22, for $52.16, June 23, for $and on June 24, for $The payments were made using a checking account ending in We allow days for the payment to clear through the financial institution In order for an investigation to be completed regarding the merchandise Mr [redacted] states he did not order or receive our Credit Risk Department will require a police report to be filed and a copy of the reportOur records indicate Mr [redacted] contacted our Customer Service Department multiple times on June 25, advising us that he has filed a police report however we were unable to obtain all the information required for our investigationMr [redacted] spoke with a Supervisor and advised that he would be mailing a copy of the police report to usMr [redacted] should allow days for the report to be receivedOur Credit Risk Department will contact Mr [redacted] by mail once their investigation is completeUntil the investigation is completed no orders may be placed on the account We appreciate Mr***'s patience while we researched his concerns and thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/bw Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/06/26) */ (The consumer indicated he/she ACCEPTED the response from the business.) I ahve a police report in from of me
Initial Business Response / [redacted] (1000, 11, 2015/10/12) */ CONFIDENTIAL COMMUNICATION October 9, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Records indicate Ms [redacted] placed an order for a Jensen in Home Stereo System via the web on June 7, Our records indicate that Ms [redacted] contacted us on June 15, indicting the cd would not open and she would return the item Records indicate Ms [redacted] contacted us on June 24, and an affidavit of non-receipt of returned merchandise was sent to herMs***'s account indicates she contacted us several times and was informed that she needed to return the completed affidavit Ms***'s account indicates we received the Affidavit of non-receipt of returned merchandise on July 6, and a letter informing her that we did not receive the requested return receipt was sent to her on that same day Ms***'s account indicates she contacted us on August 12, and stated she would send us the tracking results she received from the post office Our records indicate that we received the tracking results from Ms [redacted] on August 25, and her claim was denied as tracking indicated the package was not shipped to the correct address As a courtesy, we have issued a full credit of $for the Jensen in Home Stereo System and a credit of $for related finance chargesMs [redacted] will see this credit on her October 24, billing statement Ms***'s account indicates she had a balance on her account prior to her order for the Jensen in Home Stereo SystemMs***'s account indicates we did not receive a minimum payment due on August 20, and September 20, Consequently, her account incurred three late feesWe strongly advise customers keep their account in good standing by making the minimum amount due each month, even while engaged in a dispute As a reminder, timely payments are important and the minimum payment is required by the due date each monthWhile we understand Ms***'s frustration regarding returned merchandise, this was and is not sufficient grounds to relieve a customer of their payment obligation on outstanding debt Credit for late fees will not be issued and as Ms [redacted] remained obligated to make at least the minimum amount due on her previous purchases, and because no payments were received, we cannot remove the past due payment history that has been reported to the credit agenciesPlease understand that if we were to remove the negative history, we would be knowingly reporting inaccurate information to credit reporting agencies, which is a violation of the Fair Credit Reporting Act Ms***'s current balance is $as of October 7, Sincerely, Vi [redacted] Executive Care Team VF/ca Initial Consumer Rebuttal / [redacted] (2000, 13, 2015/10/13) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept refund from companyThank,you I believe it is the correct response to doJust a note where complaint wrote " package not sent to correct address" iI repeat its company label once usps took it I so not travel with packqgeYour label your address I,do appreciate refund but honestly stop trying,to put any,blame on me, can any,company just,say,they,are wrong just onceI also acknowledge miss payment (caught off guard by death in immediate family.) I accept responsibility for miss payment & late feesI knew it,would happen when other things had to b taken care ofI also,acknowledge Ineed to catch up on my paymentsI handled things the best,i,couldRight or,wrong at,that,moment.SEE Not so,hard to,admit itThank you BBC for your,helpThank you to to the company for the refund I hope you put,this behind us now
Please see attached responseThank you
I am rejecting this response because: the phone had been repairedThis issue has nothing to do with the screen being brokenThis issue has to do with music and the reader when you try to do banking or whatever requires you to use prompts
Initial Business Response / [redacted] (1000, 5, 2015/12/29) */ CONFIDENTIAL COMMUNICATION December 29, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Our investigation confirms two separate orders on Ms [redacted] 's account from December 10, Each order consisted of a 14-Karat White Gold Open Heart Pendant and two (2) 14-Karat Gold Open Heart PendantsThese were also self-serviced, as they were placed directly via the Gettington website The first order was placed without a promotion code, and the second order was placed shortly afterward that had a promotion code for free shipping applied to itWhile we are uncertain whether Ms [redacted] or someone else placed these, these are valid web orders All of the items were shipped from one of our jewelry vendors, and they have confirmed that all six items from both orders were shipped in one parcel under UPS tracking # [redacted] Ms [redacted] should use the prepaid return label that we have sent to her email on file of [redacted] @aol.com to return the items in question so that we can make the necessary credit adjustments to her account If Ms [redacted] maintains she did not receive the items from the second order, we will require her to complete and return an affidavit of merchandise not receivedThis is in accord with our policy, and when our records showing we met our delivery obligations differ from what the customer states they received We have sent Ms [redacted] another affidavit which should arrive within ten days of the above dateWe appreciate her ongoing cooperation and understanding in this matter Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) 12/31/Spoke to a "may" female in Customer Service @12:pm EST not much success again (no help at all), almost hour going nowhere & her not understanding barely anything I said, just read from scripted form as instructed to say to customersWas told to contact "Credit Dept", I called them direct, today, at 1:pm EST, Spoke to "Dora"This woman Dora did speak fluent english, understood etc., was the most helpful out of everyone spoke with (since very start of this problem, so far) Told Dora the whole situation again, she looked into it while I was placed on holdDora, eventually came back & told me the credit (duplicate charge) for $368.94, will be issued immediately and will see it online (when I sign into the Gettington account) where my new balance will be shown & seen as $ [redacted] It wasn't it shows new balance (online)as: Current Balance: $**This is due to the Safeline Plus added to the new balance of $(Yes I know, doesn't add up correctly, but that's what they have on the site - my account page online) I also told Dora, 'there's "Safeline Plus fee (for both orders totaled $14.71), I don't even know what it is & why charged thisDora said: "it's a protection coverage in case product breaks, damaged etc; it works like a warranty for your purchased items." Told her I never ordered this & want to be refunded this as wellShe said, "can be refunded this fee 14.71, but need to call Safeline Plus directly and tell them, they'll cancel & refund you directly, Here is the number, call them when we're finished." **I did do this, afterwards[redacted] Next, I asked Dora (none of any CustService people spoke to throughout start of problem to date, seemed able to do nor, even understand what needed to be done): "Now that the new balance is in place, $343.97, my MONTHLY MINIMUM PAYMENT DUE, needs to be re-adjusted from the original duplicate rated Mominpaymt shown as $-- *the charge for original & the duplicate order added in (never ordered duplicate order or received a duplicate order--though CHARGED TWICE--as wrote in previous/original complaint filed)as combined total for that MoMinPaymt Due amount shown online & on my paper statement (received in regular mail) as well." Reason: "It's now the wrong figure & I need to know what the new Monthly MinPaymt Due, will be so I can make a payment on time." Dora said; "It will be $Will see this adjustment as well, in the Monthly Minimum Payment Due section (online and on next paper statement), each month." **Unfortunately this wasn't the case, because I went to make a payment (pay online) and "MoMinPaymt Due" STILL WRONG & shows the original $rate due by Jan15, --which is inaccurate, still not adjusted to correct amount of $18.91, yet! I didn't want to miss making a payment, I didn't pay this $at all! I paid $(on 1/04/& post dated it for 1/15/16) & post dated the online payment, to be paid on the actual due date of 1/15/*See Attached Files[redacted] As far as a Affidavit goes, no need for it, like stated in original filed complaint! Again, since I never originally ordered a "duplicate/2nd order", nor received this "duplicate/2nd order" either, I OBVIOUSLY would not expect another pkgor look! I expect this matter to be resolved correctly--Gettington coneeds to get things done correctly, no excuses etc(also fully train their people in Customer Service especially)I do not need them screwing up my credit because they can't seem (or choose not to do such)get things accurate & done correctly Thank you [redacted] Final Business Response / [redacted] (4000, 17, 2016/02/01) */ January 29, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] Please allow us to explain that the billing system can only adjust the minimum monthly payment amount at the start of a new billing cycleThe duplicate order issue resulted in the system calculating a minimum due amount that was higher than it otherwise would have been At the time we received the $payment, the correct minimum amount due had not yet been updated as it was still within the original billing cycle timeframeWe agree that Ms [redacted] was not at fault, and that is why we credited the late fee that was assessed Please be assured that no past due reporting or any other negative effect to Ms [redacted] 's credit files has occurred as a result of this We have also issued credit for the remaining balance of $At this time, Ms [redacted] has been refunded in full for the SafeLine fee previously billedThis will reflect on her upcoming monthly statement Ms [redacted] 's account reflects a paid current status as of the date of this letterThe correct minimum amount due of $has been restored to Ms [redacted] 's account for the next due date of February 15, Sincerely, Vi [redacted] Executive Care VF/ah Final Consumer Response / [redacted] (3000, 19, 2016/02/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) It's still only partially corrected, though not completely corrected yet, is whyDue to their inconsistencies, I do not trust how permanent these actions on their part (to accurately, completely & permanently correct this ongoing matter), which can cause me credit problems further down the road as result of their inconsistencies & continued errors Thank you [redacted]
Full response attachedCONFIDENTIAL COMMUNICATION: Ms [redacted] should expect to receive a billing statement each month, showing an amount due by a certain date each monthShe can make payments on our website, by calling or us by mailing her payment inIf she needs to make payment arrangements, she can call us at ###-###-#### between the hours of 7:00am and 9:00pm, CT, Monday through FridayWe have credited a late fee as a courtesy, and that will be reflected on a future billing statement
I am rejecting this response because: I HAVE ALREADY TALKED TO CUSTOMER SERVICE AT FINGERHUT ABOUT THEM CHARGING A HIGHER PRICE FOR MERCHANDISE FROM FIGI'S, HP, ETC AND OTHER COMPANIES THEY ARE RIPPING PEOPLE OFFIF I DIDN'T NEED MY COMPUTER AND OTHER THINGS I PURCHASED FROM FINGERHUT (EVEN THOUGH THEY APPROVED MY CREDIT) I WOULDN'T HAVE OPENED AN ACCOUNTTHEY GIVE NO SATISFACTION AND WEBBANK IS ALSO A RIPP OFF WITH INTEREST/PRINCIPAL VERY HIGH
Initial Business Response / [redacted] (1000, 5, 2015/07/16) */ CONFIDENTIAL COMMUNICATION July 15, # [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 We sincerely apologize for any difficulty Mr [redacted] experienced as a result of the issue outlined in the inquiryOur records confirm that Mr [redacted] purchased a Sunbeam 2-Slice Toaster and an Alcove Fast Dry 10-Piece Bath Towel Set on June 30, Mr [redacted] telephoned on July 7, first notifying that the toaster was not inside the package with the towels as it should have beenHe also stated that the towels he received were not the ones he orderedAs a remedy, the phone agent submitted a replacement order at no additional costRegrettably, the shipping address that was on Mr [redacted] 's account at that time was still set to [redacted] Watauga, TX 76148, where it was delivered on July 13, On July 15, a customer service agent telephoned Mr [redacted] regarding this situationThe agent explained that the shipping address had been updated to the Watauga, TX address when an order was placed on the Fingerhut website on December 14, With Mr [redacted] 's authorization, the agent updated his account and assured that both the billing and shipping were now both [redacted] , [redacted] North Richland Hills, TX Due to the oversight by the agent who processed the replacement order not verifying the shipping address before placing it, the agent offered and apology and advised he was sending Mr [redacted] a $discount couponMr [redacted] advised that he knew the person(s) at the Watauga, TX address and should be able to pick up the package from them We appreciate Mr [redacted] 's patience and understanding in this matter, and again apologizeHe should allow up to days from the above date for the discount coupon to arriveThank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was promised a replacement of the items shippedIt is not my fault that they sent items to wrong address Soneone from Corporate offices called me on July and sent another order [redacted] I never received that order as promisedAll I received was a piece of paper with a promo code for a discount on my next orderI am sorry to saY , THERE WILL NOT BE A NEXT ORDER And would like to close my accountThank youI also want a full credit for my last order to be applied to my account Mr [redacted] Final Business Response / [redacted] (4000, 9, 2015/07/27) */ CONFIDENTIAL COMMUNICATION July 27, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] Recently on July 24, 2015, Mr [redacted] spoke with a supervisor by phoneBased on the additional information Mr [redacted] provided, the supervisor made an exception to our standard policy and issued an account credit for the full cost of the toaster and towel set including shipping/handling Although already applied to the account, these credits will reflect on a future monthly billing statement for Mr [redacted] 's records Thank you for allowing us to explain Sincerely, [redacted] Executive Care Team VF/ah
Revdex.com: I will proceed and contiue to fight finger Hut on this because their lieing and should be aloud to get away with this! I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me
Initial Business Response / [redacted] (1000, 8, 2016/02/04) */ CONFIDENTIAL COMMUNICATION February 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 Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Ms [redacted] purchased a ProForm Comfort Stride Elliptical on December 8, This was shipped directly from Fingerhut's vendor, and records show it was returned to shipper by the carrier as undeliverableUnfortunately, we were not notified of this return by the vendorAs of January 27, 2016, the full purchase price of $was credited back to Ms [redacted] accountWe apologize for the delay in credit As a courtesy, on January 28, a late fee in the amount of $was waived from Ms [redacted] accountThe interest for the month of January in the amount of $was also waived on January 29, These credits will appear on her next printed statement Per Ms [redacted] request her account was closed on January 29, The outstanding balance will continue to accrue interest and remains subject to the terms and conditions of the AgreementMs [redacted] will not be able to use her account for any purchases, effective immediatelyMs [redacted] 's current balance is $Her next minimum payment due of $is due by February 13, Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
March 18, 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 Mr [redacted] regarding his WebBank/Fingerhut Credit Account Mr [redacted] states he was informed on February 24, that once his account was paid in full, it would be removed from his credit reportHe further states that he made a $payment to catch up on the account and was unaware at that time the account was charged offMr [redacted] indicates he has settled his account with the account owner, [redacted] Mr***'s desired resolution is to have the trade line removed from his credit bureau reporting Our records indicate that on September 30, 2013, an application was processed online using Mr***' personally identifiable informationHe was approved for a Fingerhut FreshStart Installment Loan account ending in with a credit limit of $Mr [redacted] successfully completed the FreshStart Installment Loan account and graduated to Fingerhut revolving credit account ending in [redacted] on March 20, The unpaid balance of $charged off on August 7, and the account was sold to [redacted] on September 1, According to our records, Mr [redacted] contacted Fingerhut on August 13, 2015, after the account had charged off and scheduled a partial payment for $Mr [redacted] spoke to a second representative approximately minutes after he scheduled this payment and was advised the account was charged off and may be sold at any timePer Mr [redacted] request, the scheduled payment for $was cancelled that same day Fingerhut received an email from Mr [redacted] on October 27, checking to see if he could get his account re-instated after he recovered from his financial issuesMr [redacted] was advised his account was sold to [redacted] and he was directed to contact the account owner Mr [redacted] has disputed the account with the credit bureaus on November 12, and January 8, He was advised each time his account was reporting accurately as sold to another lender and he was directed to contact the account owner A review of the chat transcript on February 24, indicates that Mr [redacted] was advised his account was sold to another lenderHe stated he was told he would have to contact Fingerhut to have his trade line removedHe was advised that even though his account was sold to another lender Fingerhut will still reflect on his credit reportHe again asked who to speak with at Fingerhut about getting his account removed once his payment clearedHe was advised to contact [redacted] for further assistanceHowever, the representative incorrectly stated "your account will be automatically removed from your credit report once your payment is cleared from the agency handling your account." We apologize for any inconvenience this may have caused Please note Fingerhut does not offer deletion of credit bureau reporting for paymentWe are required by law to furnish accurate reporting.If Mr [redacted] was promised by [redacted] that they would accept payment for deletion of their trade line and they are still reporting his account to the credit bureaus, he would need to contact [redacted] directly at [redacted] An account review completed March 17, 2016, indicates the credit bureaus are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zero 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 Mr [redacted] 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 Thank you for the opportunity to explain Sincerely, Kari [redacted] Executive Care Team KD/sa
Comenity Bank Owns and operates our Blair credit card accountsAttached is their response
Initial Business Response / [redacted] (1000, 5, 2015/07/08) */ CONFIDENTIAL COMMUNICATION July 7, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] *** Our Marketing Department does extensive research to determine which potential customers would be interested in ordering from Fingerhut, and as a result of this process, Mr [redacted] was identified as a potential customer To comply with Mr***'s request, we have now added him to the Do Not Solicit listAs our contact lists are prepared several weeks in advance, it may take up to four to six weeks for the solicitations to completely stop Allowing for this timeframe, Mr [redacted] will cease to be contacted in any way by our companyWe apologize for any inconvenience Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah
I am rejecting this response because: Re : Inaccurate reporting of Finger Hut Web Bank account Fingerhut # [redacted] In your reply via the Revdex.com of 05/16/ , line of your letter states, " According to public record, Mr [redacted] filed Chapter bankruptcy on August 24, Fingerhut was notified by the courts and updated Mr [redacted] ’s account to Closed due to Bankruptcy on November 1, 2010." As a creditor, Finger Hut- Web Bank is/was entitled to such notification and as such was entitled to close said account at its sole discretion, notwithstanding, the paragraph in reference, " closed due to bankruptcy " is not synonymous to reporting as " included in bankruptcy/ included in chapter payment plan"; the status classification of one versus the other has significant adverse consequencesThe latter constitutes an inaccurate reporting of the disputed account's status(See exhibit 1, and 3rd ) Please note for the records that this Finger Hut Web Bank account status in dispute was never delinquent at anytime, nor at the time of bankruptcy filing, in fact, this specific account was never used from the date of opening of said account up until the date filing; and as ascertained in your reply via the Revdex.com on 05/16/ This also coalesces the fact of that account's none default status The above, at minimum, may have entitled Finger Hut - Web Bank to report said account as "closed by creditor" as is the industry practice within the U.S bankruptcy code ; chapter statutory period, however, as previously stated in my letter of May 4th, 2016; " In fact, per the case filing of list of creditors, ( see the attached Schedule F) said account was never included in the list of accounts listed/included in my bankruptcy If you/Trans Union, Web Bank, et al or whichever party , inclusive of the creditor; persist to continue listing said account as included in bankruptcy, please kindly provide documentary proof of such of any such approved court motion for Web Bank's inclusion or proof of claim submitted to the U.SBankruptcy Trustee as a claim for payment and thus inclusion in the then payment plan ; within days of the date of this letter Otherwise, please remove/delete or correct accordinglyPlease see attached"Regardless of the fact that I have made several attempts to communicate and or resolve this issue on several occasions as requested in the Finger Hut Web Bank agreement ( exhibit ), please note for the records; date of my letter of 05/04/and today's date of 05/16/2016; the date on which Finger Hut -Web Bank decided to issued a written reply of non-actions Finally, if this matter is not resolved within business days as of May 18th, 2016, I will take such non- actions to IMMEDIATELY REMEDY said adverse reporting as malicious and thus, as my queue to initiate actions via alternative medium to remedy said Sincerely, [redacted] ###-###-#### SSN# [redacted]
I am rejecting this response because:The computer is of very poor qualityIt has numerous performance issues after a very short period of time I would like fingerhut to at least credit my account for a portion of the price of the merchandiseI am a single women living on a fixed income and would be grateful for anything they can do
CONFIDENTIAL COMMUNICATION March 11, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate an order was placed on November 20, We sincerely apologize for the inconvenience caused by the incorrect advertisement on our websiteWhen the ad error was reported the item was removed from our websiteOnce our investigation was completed, the correct image and description for product code NB29J was updated on our websiteTo ensure our customers have the most up to date information available, we use a direct link to the image on our websiteDue to the image correction made on our website, the direct link in our emails and on Ms [redacted] 's account for that specific item will now display the updated image and description In order for us to assist Ms [redacted] , we are requesting a copy of the printed email she received that shows the image of the safe and the description if possibleMs [redacted] can send the requested information via email to [email protected] with Attn: Becky in the subject line; or via fax to [redacted] Executive Care Team Attn: BeckyMs [redacted] can also return the information via regular mail to Executive Care Team Attn: Becky [redacted] Saint Cloud, MNOnce the information is received we will research further for complete resolution Additionally, we are including a postage paid return label for Ms [redacted] to use to return the Werner Step Ladder Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because: It seems to me that you are more focus on saying that I should not have filed this on my bankruptcyI filed everything that was on my bankruptcy and the judge excepted everythingI filed in but it was not process until after I applied for services with Finger hutAll of this should not matter because it was paid in full and you have been reporting me negative since Finger Hut has been reporting negative on my credit report since - and I have been requesting you to update the status of not paid to paid since my bankruptcy and you have notI have documents that you were included in my bankruptcyI also provided documentation that you transferred the account to [redacted] , LLC and they reported negative on my accountI am not suppose to have two creditors for the same bill on my credit report for the same itemThe Law states that for the credit bureauI am asking you to get off my credit report because through my bankruptcy [redacted] and Finger Hut WebBank have been reporting on their with [redacted] and that is illegalWebBank/Finger Hut transferred/sold the account to [redacted] , LLC their for you can no longer report on my credit report it is the lawI spoke with my lawyer and they are taking action against thisI read the law and I understood everythingYou have been reporting me negative since I filed my bankruptcy but did not go forward until sometime in Your company WebBank/Finger Hut and [redacted] , LLC were both on my bankruptcy and you both reported negativeI paid [redacted] and they remove themselves off my credit report as paid in fullYou kept reporting negative as I asked for the last years to update it to positive paid in full and Fingerhut has refused to update my reportI received a letter from Fingerhut and I am attaching it I did nothing wrong I paid my debt to [redacted] and finger hut has been reporting negative on me for yearsI asked that you remove yourself off my credit report because you made the mistake of not reporting paid on my credit reportI am doing everything right after I filed my bankruptcy and your company has not been fairI paid finger hut the money that I was suppose to pay and you never updated my credit reportWebBank/Finger Hut sold this account why are you reporting negative on my credit report for the last years
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is reasonably satisfactory to me I'll equate it to "guilty with an explanation."I very much appreciate your help with this This is the first time I have ever felt a need to register a complaint with any branch of the Revdex.com and I can say that I'm much more satisfied with your assistance than I am with the company's response.Thank you for your very prompt assistance.D [redacted]
Initial Business Response / [redacted] (1000, 5, 2016/01/22) */ CONFIDENTIAL COMMUNICATION January 22, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate on November 30, Mr [redacted] purchased a South Shore Sparkling Twin Bookcase Headboard, a South Shore Sparkling Night Stand, a South Shore Sparkling 5-Drawer Chest - White, and a South Shore Sparkling Dresser - White On December 1, Mr [redacted] contacted Fingerhut to cancel this orderWe were able to cancel the shipment of the headboardPlease understand that we start filling orders as soon as possible and occasionally a product is already in the process of being shipping at the time a cancellation request is processedThis is what occurred in the case of the other items Mr [redacted] ordered Mr [redacted] refused delivery of the items and they were returned to one of our vendorsOn December 28, we contacted our vendor and they confirmed they received the return of the night stand, drawer chest, and dresser A credit for the full purchase price of the items ($for the night stand, $for the drawer chest, and $for the dresser) was credited to Mr***'s account on January 12, Mr [redacted] will see these credits on his next monthly statement The interest that was charged for these items in the amount of $has been credited to Mr***'s account on January 21, As a courtesy to Mr [redacted] we have also waived a late fee of $that was applied to his account on January 15, Two interest charges one for $and another for $were credited as well At this time Mr***'s account balance is $A minimum payment of $is due by February 15, We apologize for any inconvenience this may have caused Mr***Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/01/22) */ (The consumer indicated he/she ACCEPTED the response from the business.)
June 30, Re: [redacted] Case # We are writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding Old Pueblo Traders VIP Plus program In Ms [redacted] 's inquiry, she states she made a purchase for a skirt, ballerina flats, two cardigans and a velour pant set from Old Pueblo Traders on October 20, and was enrolled in the Old Pueblo Traders VIP Plus program without her knowledge In contacting VIP Plus, they offered her a six month refundMs [redacted] is requesting a full refund, to be removed from Old Pueblo Traders and their affiliated companies mailing and email lists and for this predatory program to be immediately stopped To enroll in the Old Pueblo Traders VIP Plus program, Ms [redacted] , was first required to click on the offer and she was then taken to a web page that fully disclosed the terms, benefits, and costs of the Old Pueblo Traders VIP Plus programBy entering her e-mail address, zip code and clicking the "Join" button, she activated a membership in Old Pueblo Traders VIP Plus programHad she skipped any one of these steps, no membership would have been established Per Ms [redacted] 's request and consistent with the terms and conditions of the Old Pueblo Traders VIP Plus program, we canceled her membership on June 13, and issued six credits of $each to her Discover Card ending in ***On June 29, 2017, twenty-six additional credits of $each and one credit of $were also credited to Ms [redacted] 's Discover Card ending in ***The total amount of credits issued to Ms [redacted] 's Discover Card to date is $She has been refunded for the total amount she paid for the Old Pueblo Traders VIP Plus program We have removed Ms [redacted] from Old Pueblo Traders and all of our affiliated companies mailing and email address per her request Thank you for allowing us to explain Diane ***