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 do have one concern The response I receive from the Revdex.com was satisfactory Yet I receive a Letter threw the regular mail that states a negative response I need to know which response is correct
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 as long as I am being refunded for the chairs thank you
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.The letter states that there was no conversation about late paymentThis is trueI feel they should have stated that their acceptance of partial payment comes WITH A LATE reportThis is negligent on their behalfThat is why I asked for them to take off the report for late paymentit is my fault for trusting a negligent company, thinking they would be forthcoming with their knowledge of what this could do to my credit reportSomething that is regarded HIGHLY in the area of businessIt is negligent to do this to someone because they are just a number to you It is disappointing to find that companies are so unpersonableI would NEVER do business like thisI take it as a satisfactory response because they are Legally correctThey are not morallyThey should be ashamedThank you
Initial Business Response / [redacted] (1000, 5, 2015/07/23) */ CONFIDENTIAL COMMUNICATION July 23, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records support that order number [redacted] was placed on Ms [redacted] 's account on April 24, for a Garmin Nuvi 7-inch GPS with Free Lifetime Maps The account is noted that Ms [redacted] telephoned on May 10, first notifying that she did not receive the GPSThe phone agent referred the matter so that, on the following day, an affidavit of merchandise not received was sent to Ms [redacted] 's address on file of [redacted] ., South Chesterfield, VA Ms [redacted] again contacted us via email on May 30, stating she did not receive the item and requested her account be creditedAlthough the email did not reference the earlier affidavit we had sent, the agent replied to the email on June 2, that another affidavit was being sentMs [redacted] was also advised to "please allow 10-days from the day you mail the completed affidavit back for us to investigate what happened." To date, we have no record of receiving Ms [redacted] 's completed affidavitPlease understand we will not be able to resolve Ms [redacted] 's missing merchandise claim until a completed form is returned, as required by our policyFor this reason, we sent another affidavit on July 22, to Ms [redacted] 's address referenced aboveTo expedite, she should fax the completed affidavit to [redacted] , Attn: Andy or send regular mail to [redacted] StCloud, MN Once received, we will further investigate this matter Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah
Initial Business Response / [redacted] (1000, 5, 2015/07/06) */ CONFIDENTIAL COMMUNICATION July 2, Revdex.com of Minnesota Account #: [redacted] Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Mr [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, credit application, Terms and Conditions, and the last three statements Mr [redacted] states in his complaint that he is receiving up to five calls per day on an account that Mr [redacted] says is currentMr***'s desired resolution is for the calls to cease Based on our research, an account was opened with a representative on May 4, using Mr***'s name and social security number when an order was placed for a Rachael Ray 10pc Hard Anodized Cookware SetThe merchandise was shipped via FedEx Home on May 8, to the same address as listed in the complaint Our records indicate that a recent payment of $received on May 31, did not satisfy the minimum payment due of $by June 11, This left a past due balance of $ Please note that when the required minimum payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is receivedAdditionally, we may charge a late fee and interest charges will accrue on the balance owedOur Payment Department may phone our customers with payment reminders when a payment is not received by the due date Mr***'s account is in a current statusThank you for your most recent payment of $on July 1, To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a remaining minimum payment of $is due by July 11, If Mr [redacted] wishes 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 Mr***'s 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 Mr***'s 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 Mr***'s account is still subject to the original terms and conditions of the Agreement Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures
I am rejecting this response because: It is simply ridiculous and a bureaucratic runaround to avoid accepting any responsibility for their unethical and predatory practicesThis company has ZERO accountability for itself, as anyone can see from reading the published Revdex.com complaintsTheir reputation via numerous review sites - like Google, Yelp, Facebook, etcspeaks for itselfYou may have screwed YET ANOTHER consumer, but don't worry - this WILL catch up with youI may only have 600-ish followers on Facebook and other sites, but BEST believe I will be posting about this over and over and over warning people not to fall for your phony appearance of wanting to "help" peopleThis review will go on Google, Yelp, BlueBrands social media sites, and any other place that I can possibly get itTheir your products are crap for quality - not only did my son's bike arrive broken, but it fell apart by that winter and was unsalvageablePictures of that went all over FB and I cannot tell you the volume of people who responded with similar issues and distasteFingerhut specifically target people who have poor credit - and are most likely low income - and offer financing and "great pricing", when really, you almost double SRP to these people, taking advantage of the fact that they can't buy anywhere elseYou operate like a Buy Here Pay Here - you are the loan sharks of the retail worldYour claim of doing your best to provide quality service is a sad jokeI cannot wait for the day that Amazon or Walmart or some LEGITIMATE company buys you out and dissolves the company altogether - that day will be a win for consumers nationwideI will be filing complaints with all credit bureaus (in fact I have already started) and will make it a CAMPAIGN to advocate against your companyAbsolutely disgusted!!!!
CONFIDENTIAL COMMUNICATION March 24, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Mr [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf Mr [redacted] regarding a WebBank/Fingerhut credit accountEnclosed are a statement of account activity, credit application, Terms and Conditions, and an unordered merchandise affidavit Mr [redacted] states that he was unaware about a Fingerhut account until he saw the WebBank/Fingerhut trade line on his credit reportMr [redacted] further states that there is inaccurate information being reportedMr***'s desired resolution is to have the WebBank/Fingerhut trade line deleted from his credit report On June 17, 2006, an application was processed online with your name, address and social security numberAn order was placed online September 8, for a Save 32% Avirex Men's Rattler Jean, Denim, 38W 34L, a Save 30% Ecko Unltd Standout Jean Denim, 38, a Save 31% Ecko Unltd Mn EU Short Denim, 36, and a Save 30% Ecko Unltd Standout Jean Black Denim, The merchandise was shipped September 9, via FedEx to [redacted] Wheatland, IN No payments were made on this accountThe unpaid balance of $charged off on April 17, and the account was sold to Jefferson Capital Systems on August 2, Fingerhut is no longer collecting on this account An account review on March 17, confirmed that Experian and Trans Union are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance of zeroNothing 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 Mr***' 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 Mr [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly at ###-###-#### Our records indicate, an affidavit of unordered merchandise was mailed to [redacted] Bicknell IN, on October 30, On November 19, the Fraud Department received the completed affidavit of unordered merchandise and mailed a request the same day to the same address requesting that a police report be filed and submitted to Fingerhut so we could conduct a full fraud investigationTo date, we have not received a completed police report regarding this matter If Mr [redacted] continues to believe this account was opened fraudulently, we have enclosed another unordered merchandise affidavit he may complete and returnWe also ask that Mr [redacted] file a police report and send both copies to the following address: Fingerhut Attn: Fraud Department [redacted] StCloud, MN Mr [redacted] may also fax the affidavit and police report to ###-###-#### Attn: FraudPlease include the customer or account number on the fax so we can locate the account Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation If Mr [redacted] has further questions or concerns, he may contact the Fraud Department at ###-###-####Their hours are Monday - Friday 8:00am - 6:00pm Central Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures
Initial Business Response / [redacted] (1000, 5, 2015/08/14) */ CONFIDENTIAL COMMUNICATION August 12, 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 Mr [redacted] claims that he used a promotion code to take advantage of a discount offering no payments until NovemberOur records do not show that this promotion code was utilized when the NuWave Pro Infrared Oven with Digital Controls order was placed online on July 18th, Records indicate the account was delinquent before this order was placed, meaning the customer had a previous balance he was responsible for as well as the amount for the new purchaseThe delinquency caused late fees and an increased minimum due on the accountThe available credit has also decreased, as a result The minimum amount due on the account is now $81.98, due by August 20thOnce this amount is paid, the account will be current and up to date Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did in fact use the promo code at checkout and it said "accepted"I would not have ordered otherwise moreover, the nuwave doesn't even work I put a tv dinner in there at full power HI setting for minutes and it was still frozen, we ended up cooking it for additional minutes in the stoveThey are more than welcome to take there crappy newwave back and reimburse me the money for the warranty thenThey are liars and it's not the first time we got something broke from them the tablet dell venue they gave my wife was broke it glitched on severall websites with black squares showing up blocking screen parts and the tablet would reset itself every to minutes or so so my wife got pissed when she was playing a game and it would resetSo we sent the tablet dell venue to assurion and they fixed it and sent it back to us they said they had to replace the D.IGor something like that for the display in itYou can check into this too and see for yourselfThey seem to sell defective or broken st and we are quite frankly tired of it and will not be shopping at fingerhut nomoreOrder#: [redacted] Order date: 11/28/ SR Number: [redacted] "Product Protection Team" Thursday, January 29, 12:PM Your repair has been completed and we are shipping your tablet pc to the address below: [redacted] BLEVINS AVE ELIZABETHTON, TN To keep track of your shipment, please wait hours, then visit www.ups.com and enter your tracking number: [redacted] Remember, we're here to help If you have any questions or concerns about your claim, give us a call at [redacted] Regards, The Fingerhut Service Plan Team Service by Asurion
CONFIDENTIAL COMMUNICATION I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a PayCheck Direct Account Ms [redacted] states she requested a copy of her account history but has not received oneShe states she did not receive the item she purchased, and when she tried to reorder it the item was out of stockMs [redacted] purchased a different TV in which the payments on the first TV she did not receive were not applied to the purchaseHer desired resolution is to have the first payments on her account refunded to her Records indicate Ms [redacted] placed an order for a LG 65” 4K LED Smart TV with webOS on November 22, On that same date a payment in the amount of $was receivedThis order was cancelled on November 30, and a 10% discount was offered as a courtesyWhen the order was cancelled Ms***’s account had a credit balance of $ Ms [redacted] purchased a LG 65” 4K LED Smart TV with webOS with delivery included on December 1, for $1,An additional payment in the amount of $was received on that same dateBoth the $and $was applied to the balance bring the next month’s account balance to $1,Ms [redacted] accepted the 10% discount and her account was credited an additional $for this item on January We have included a copy of Ms***’s itemized statement with this letterThis statement shows all credits and debits for the duration of her accountIf Ms [redacted] has any additional questions she may contact PayCheck Direct Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard TimeThank you for allowing us to explain
Initial Business Response / [redacted] (1000, 5, 2015/10/29) */ CONFIDENTIAL COMMUNICATION October 29, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate on September 30, Mr [redacted] purchased an alcove Fast Dry 10-PcTowel Set, Cuisinart Speed Hand Blender, Stetson Fresh Cologne Spray, Grey Flannel OzEDT Spray by Geoffrey Beene, Men's Blue Jeans EDT Spray by Versace, and Mens FCUK by French Connection EDT spray We received the return of the Grey Flannel OzEDT Spray by Geoffrey Beene, Men's Blue Jeans EDT Spray by Versace, and the Mens FCUK by French Connection EDT sprayA credit of $was issued to Mr [redacted] 's account for the full merchandise price, but out return policy states, "the original shipping/handling is nonrefundable on return merchandise if the item is not damaged, defective, or in the case of a shipping error." Mr [redacted] was required to pay for the original shipping/handling of $for the items On October 25, a letter was sent to Mr [redacted] 's mailing addressThis letter explains the return and to allow hours to see the credit on his fingerhut.com account and to allow up to two billing cycles to show the credit on his mailed billing statements We apologize for any confusion this may have caused Mr [redacted] At this time Mr [redacted] 's account balance is $A minimum payment of $is due by November 15, To make payment arrangements we ask Mr [redacted] contacts our Payment Department at [redacted] Monday through Friday 7AM to 9PM Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) As an Executive, you have failed to stick to the complaint of what exactly is being complained about Also, you failed to mention that there were separate ordersSHIPPING charged on order#(towels and mixer) and shipping charged on order#- separate bottles of cologne that were shipped in separate shipments - TO MAKE MONEY! I didn't complain about order#Which included towels and a mixerBut you seem to not be professionally apt of addressing the main concern - AND ONLY THAT! And they are all still boxed never openedI think I will call UPS and return those tooI don't want anything from you anymore! Fingerhut needs to credit the shipping charges for each item that was returned! Since the shopping is added to each of the SEPARATE cologne shipmentswere returned and needs to have the appropriate shipping charges credited immediately! I'm not going to pay for something that was returned via UPSI di not have the product and you are charging and sending erroneous credit balances to the CRA's This is a scam and the MN AG will be the next step, trust and believe meFingethut will re-sell those bottles of cologne and charge another customer shipping charges I'm not sure why dealing with this company is such a painBut this is unacceptableYou're telling me that if I had not filed this complaint, that I would have been erroneously charges for items that were returned? I thought that this relationship would result in a positive outcome, but over the past year I see it ha notI want Fingerhut to IMMEDIATELY CEASE all shipments of any catalogs to my place of residence Once this account is paid off-you're no longer needed! You're running a scam! I will NEVER order another item from this company You're inability to professionally resolve this situation with integrity and competence will be the downfall of your position Final Business Response / [redacted] (4000, 9, 2015/11/05) */ CONFIDENTIAL COMMUNICATION November 3, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account As we have stated in previous correspondence, per our return policy, the original shipping/handling is nonrefundable unless the merchandise is damaged, defective, or in the case of a shipping errorThe original shipping/handling Mr [redacted] is responsible for is $ We have received Mr [redacted] 's request to opt out of future mailings from FingerhutWe have updated our records and removed Mr [redacted] from the mailing list, but because out catalogs are printed in advance, Mr [redacted] should allow to weeks for this request to process Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
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 meThank you
I am rejecting this response because: My November payment was "NOT" days late to FingerhutPayment was due November 9TH and the payment was made on November 26TH That does not make it late I have a statement from Fingerhut that shows none of my payments were ever days late
Initial Business Response / [redacted] (1000, 5, 2016/02/05) */ CONFIDENTIAL COMMUNICATION February 5, 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 that she has been paying $a month on her WebBank/Fingerhut bill and Fingerhut is now requesting a minimum payment of $a month that she cannot affordMs [redacted] states that she spent three hours on the phone trying to resolve this issue, but no one would help herMs [redacted] is requesting to have all late fees credited, to have a due date of the 28th each month and to make $a month payments without incurring additional late fees The WebBank/Fingerhut credit account ending in was opened on October 16, when an order was processed online for three twin sheet sets, three 17xpillows and a twin comforter set According to our records, Ms [redacted] began to miss monthly payments and make payments for less than the minimum due in May Please understand that when a payment is not received, or is received for less than the minimum due, late fees and interest charges accrue in accordance with the terms and conditions Ms [redacted] agreed to upon opening this account Between June 16, and September 11, 2014, $in merchandise was ordered, which caused the minimum due to increase from $due by May 6, to $due by October 6, On February 18, 2015, Ms [redacted] 's account met the qualifications for a reduced payment program, so Ms [redacted] was agreed to a nine month reduced payment plan for $a monthDuring the program, the account was not charged late fees and received a reduced interest rate of 14.9% On January 5, 2016, Ms [redacted] account reverted back to the original contractual terms, and is now closed to future purchases The current balance on Ms [redacted] 's account is $1,with a minimum payment of $due by February 13, Upon a thorough review of Mrs [redacted] 's account, it was discovered that on July 23, 2015, Ms [redacted] contacted Fingerhut to provide a new debit card and set up recurring payments Unfortunately, the previous scheduled payments were not deleted and Ms [redacted] incurred three return payment fees for $eachA credit for $was issued to Ms [redacted] 's account on February 4, The $late fee incurred on January 13, was also credited to Ms [redacted] 's account as a courtesy on January 29, According to a call recording on January 28, 2016, Ms [redacted] was advised that the available due dates were between the 1st and 27th each monthSince Ms [redacted] is requesting a due date of the 28th, we are unable to honor her request If Ms [redacted] still wishes to change her due date from the 13th, she may contact Customer Service at 1-800-208-Please note that the due date can only be changed when the account is current Based on the available call recordings, all representatives and supervisors were respectful and professional in their conversations with Ms [redacted] Fingerhut's goal is to provide professional customer service in all interactions and our representatives are trained accordinglyWe apologize if we have fallen short of your expectations Sincerely, Kari [redacted] Executive Care Team KD/lg Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/02/18) */
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 do have one concern The response I receive from the Revdex.com was satisfactory Yet I receive a Letter threw the regular mail that states a negative response I need to know which response is correct
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 as long as I am being refunded for the chairs thank you
I am rejecting this response because: This is not my accountPlease delete this accountThere were several accounts opened without my permission
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.The letter states that there was no conversation about late paymentThis is trueI feel they should have stated that their acceptance of partial payment comes WITH A LATE reportThis is negligent on their behalfThat is why I asked for them to take off the report for late paymentit is my fault for trusting a negligent company, thinking they would be forthcoming with their knowledge of what this could do to my credit reportSomething that is regarded HIGHLY in the area of businessIt is negligent to do this to someone because they are just a number to you It is disappointing to find that companies are so unpersonableI would NEVER do business like thisI take it as a satisfactory response because they are Legally correctThey are not morallyThey should be ashamedThank you
Initial Business Response / [redacted] (1000, 5, 2015/07/23) */ CONFIDENTIAL COMMUNICATION July 23, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records support that order number [redacted] was placed on Ms [redacted] 's account on April 24, for a Garmin Nuvi 7-inch GPS with Free Lifetime Maps The account is noted that Ms [redacted] telephoned on May 10, first notifying that she did not receive the GPSThe phone agent referred the matter so that, on the following day, an affidavit of merchandise not received was sent to Ms [redacted] 's address on file of [redacted] ., South Chesterfield, VA Ms [redacted] again contacted us via email on May 30, stating she did not receive the item and requested her account be creditedAlthough the email did not reference the earlier affidavit we had sent, the agent replied to the email on June 2, that another affidavit was being sentMs [redacted] was also advised to "please allow 10-days from the day you mail the completed affidavit back for us to investigate what happened." To date, we have no record of receiving Ms [redacted] 's completed affidavitPlease understand we will not be able to resolve Ms [redacted] 's missing merchandise claim until a completed form is returned, as required by our policyFor this reason, we sent another affidavit on July 22, to Ms [redacted] 's address referenced aboveTo expedite, she should fax the completed affidavit to [redacted] , Attn: Andy or send regular mail to [redacted] StCloud, MN Once received, we will further investigate this matter Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah
Initial Business Response / [redacted] (1000, 5, 2015/07/06) */ CONFIDENTIAL COMMUNICATION July 2, Revdex.com of Minnesota Account #: [redacted] Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Mr [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, credit application, Terms and Conditions, and the last three statements Mr [redacted] states in his complaint that he is receiving up to five calls per day on an account that Mr [redacted] says is currentMr***'s desired resolution is for the calls to cease Based on our research, an account was opened with a representative on May 4, using Mr***'s name and social security number when an order was placed for a Rachael Ray 10pc Hard Anodized Cookware SetThe merchandise was shipped via FedEx Home on May 8, to the same address as listed in the complaint Our records indicate that a recent payment of $received on May 31, did not satisfy the minimum payment due of $by June 11, This left a past due balance of $ Please note that when the required minimum payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is receivedAdditionally, we may charge a late fee and interest charges will accrue on the balance owedOur Payment Department may phone our customers with payment reminders when a payment is not received by the due date Mr***'s account is in a current statusThank you for your most recent payment of $on July 1, To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a remaining minimum payment of $is due by July 11, If Mr [redacted] wishes 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 Mr***'s 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 Mr***'s 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 Mr***'s account is still subject to the original terms and conditions of the Agreement Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures
My question as to how they obtained my social security number without my consent was NOT answered
I am rejecting this response because: It is simply ridiculous and a bureaucratic runaround to avoid accepting any responsibility for their unethical and predatory practicesThis company has ZERO accountability for itself, as anyone can see from reading the published Revdex.com complaintsTheir reputation via numerous review sites - like Google, Yelp, Facebook, etcspeaks for itselfYou may have screwed YET ANOTHER consumer, but don't worry - this WILL catch up with youI may only have 600-ish followers on Facebook and other sites, but BEST believe I will be posting about this over and over and over warning people not to fall for your phony appearance of wanting to "help" peopleThis review will go on Google, Yelp, BlueBrands social media sites, and any other place that I can possibly get itTheir your products are crap for quality - not only did my son's bike arrive broken, but it fell apart by that winter and was unsalvageablePictures of that went all over FB and I cannot tell you the volume of people who responded with similar issues and distasteFingerhut specifically target people who have poor credit - and are most likely low income - and offer financing and "great pricing", when really, you almost double SRP to these people, taking advantage of the fact that they can't buy anywhere elseYou operate like a Buy Here Pay Here - you are the loan sharks of the retail worldYour claim of doing your best to provide quality service is a sad jokeI cannot wait for the day that Amazon or Walmart or some LEGITIMATE company buys you out and dissolves the company altogether - that day will be a win for consumers nationwideI will be filing complaints with all credit bureaus (in fact I have already started) and will make it a CAMPAIGN to advocate against your companyAbsolutely disgusted!!!!
CONFIDENTIAL COMMUNICATION March 24, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Mr [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf Mr [redacted] regarding a WebBank/Fingerhut credit accountEnclosed are a statement of account activity, credit application, Terms and Conditions, and an unordered merchandise affidavit Mr [redacted] states that he was unaware about a Fingerhut account until he saw the WebBank/Fingerhut trade line on his credit reportMr [redacted] further states that there is inaccurate information being reportedMr***'s desired resolution is to have the WebBank/Fingerhut trade line deleted from his credit report On June 17, 2006, an application was processed online with your name, address and social security numberAn order was placed online September 8, for a Save 32% Avirex Men's Rattler Jean, Denim, 38W 34L, a Save 30% Ecko Unltd Standout Jean Denim, 38, a Save 31% Ecko Unltd Mn EU Short Denim, 36, and a Save 30% Ecko Unltd Standout Jean Black Denim, The merchandise was shipped September 9, via FedEx to [redacted] Wheatland, IN No payments were made on this accountThe unpaid balance of $charged off on April 17, and the account was sold to Jefferson Capital Systems on August 2, Fingerhut is no longer collecting on this account An account review on March 17, confirmed that Experian and Trans Union are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance of zeroNothing 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 Mr***' 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 Mr [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly at ###-###-#### Our records indicate, an affidavit of unordered merchandise was mailed to [redacted] Bicknell IN, on October 30, On November 19, the Fraud Department received the completed affidavit of unordered merchandise and mailed a request the same day to the same address requesting that a police report be filed and submitted to Fingerhut so we could conduct a full fraud investigationTo date, we have not received a completed police report regarding this matter If Mr [redacted] continues to believe this account was opened fraudulently, we have enclosed another unordered merchandise affidavit he may complete and returnWe also ask that Mr [redacted] file a police report and send both copies to the following address: Fingerhut Attn: Fraud Department [redacted] StCloud, MN Mr [redacted] may also fax the affidavit and police report to ###-###-#### Attn: FraudPlease include the customer or account number on the fax so we can locate the account Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation If Mr [redacted] has further questions or concerns, he may contact the Fraud Department at ###-###-####Their hours are Monday - Friday 8:00am - 6:00pm Central Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures
Comenity bank owns and operates our Appleseed's Credit card accounts...they are responding on our behalfTheir response is attached
Initial Business Response / [redacted] (1000, 5, 2015/08/14) */ CONFIDENTIAL COMMUNICATION August 12, 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 Mr [redacted] claims that he used a promotion code to take advantage of a discount offering no payments until NovemberOur records do not show that this promotion code was utilized when the NuWave Pro Infrared Oven with Digital Controls order was placed online on July 18th, Records indicate the account was delinquent before this order was placed, meaning the customer had a previous balance he was responsible for as well as the amount for the new purchaseThe delinquency caused late fees and an increased minimum due on the accountThe available credit has also decreased, as a result The minimum amount due on the account is now $81.98, due by August 20thOnce this amount is paid, the account will be current and up to date Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did in fact use the promo code at checkout and it said "accepted"I would not have ordered otherwise moreover, the nuwave doesn't even work I put a tv dinner in there at full power HI setting for minutes and it was still frozen, we ended up cooking it for additional minutes in the stoveThey are more than welcome to take there crappy newwave back and reimburse me the money for the warranty thenThey are liars and it's not the first time we got something broke from them the tablet dell venue they gave my wife was broke it glitched on severall websites with black squares showing up blocking screen parts and the tablet would reset itself every to minutes or so so my wife got pissed when she was playing a game and it would resetSo we sent the tablet dell venue to assurion and they fixed it and sent it back to us they said they had to replace the D.IGor something like that for the display in itYou can check into this too and see for yourselfThey seem to sell defective or broken s
t and we are quite frankly tired of it and will not be shopping at fingerhut nomoreOrder#: [redacted] Order date: 11/28/ SR Number: [redacted] "Product Protection Team" Thursday, January 29, 12:PM Your repair has been completed and we are shipping your tablet pc to the address below: [redacted] BLEVINS AVE ELIZABETHTON, TN To keep track of your shipment, please wait hours, then visit www.ups.com and enter your tracking number: [redacted] Remember, we're here to help If you have any questions or concerns about your claim, give us a call at [redacted] Regards, The Fingerhut Service Plan Team Service by Asurion
CONFIDENTIAL COMMUNICATION I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a PayCheck Direct Account Ms [redacted] states she requested a copy of her account history but has not received oneShe states she did not receive the item she purchased, and when she tried to reorder it the item was out of stockMs [redacted] purchased a different TV in which the payments on the first TV she did not receive were not applied to the purchaseHer desired resolution is to have the first payments on her account refunded to her Records indicate Ms [redacted] placed an order for a LG 65” 4K LED Smart TV with webOS on November 22, On that same date a payment in the amount of $was receivedThis order was cancelled on November 30, and a 10% discount was offered as a courtesyWhen the order was cancelled Ms***’s account had a credit balance of $ Ms [redacted] purchased a LG 65” 4K LED Smart TV with webOS with delivery included on December 1, for $1,An additional payment in the amount of $was received on that same dateBoth the $and $was applied to the balance bring the next month’s account balance to $1,Ms [redacted] accepted the 10% discount and her account was credited an additional $for this item on January We have included a copy of Ms***’s itemized statement with this letterThis statement shows all credits and debits for the duration of her accountIf Ms [redacted] has any additional questions she may contact PayCheck Direct Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard TimeThank you for allowing us to explain
I am rejecting this response because: THEY KNOW THEY PLACED AN INQUIRY ON MY CREDIT REPORT AND I WANT IT REMOVED IMMEDIATELY
Initial Business Response / [redacted] (1000, 5, 2015/10/29) */ CONFIDENTIAL COMMUNICATION October 29, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate on September 30, Mr [redacted] purchased an alcove Fast Dry 10-PcTowel Set, Cuisinart Speed Hand Blender, Stetson Fresh Cologne Spray, Grey Flannel OzEDT Spray by Geoffrey Beene, Men's Blue Jeans EDT Spray by Versace, and Mens FCUK by French Connection EDT spray We received the return of the Grey Flannel OzEDT Spray by Geoffrey Beene, Men's Blue Jeans EDT Spray by Versace, and the Mens FCUK by French Connection EDT sprayA credit of $was issued to Mr [redacted] 's account for the full merchandise price, but out return policy states, "the original shipping/handling is nonrefundable on return merchandise if the item is not damaged, defective, or in the case of a shipping error." Mr [redacted] was required to pay for the original shipping/handling of $for the items On October 25, a letter was sent to Mr [redacted] 's mailing addressThis letter explains the return and to allow hours to see the credit on his fingerhut.com account and to allow up to two billing cycles to show the credit on his mailed billing statements We apologize for any confusion this may have caused Mr [redacted] At this time Mr [redacted] 's account balance is $A minimum payment of $is due by November 15, To make payment arrangements we ask Mr [redacted] contacts our Payment Department at [redacted] Monday through Friday 7AM to 9PM Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) As an Executive, you have failed to stick to the complaint of what exactly is being complained about Also, you failed to mention that there were separate ordersSHIPPING charged on order#(towels and mixer) and shipping charged on order#- separate bottles of cologne that were shipped in separate shipments - TO MAKE MONEY! I didn't complain about order#Which included towels and a mixerBut you seem to not be professionally apt of addressing the main concern - AND ONLY THAT! And they are all still boxed never openedI think I will call UPS and return those tooI don't want anything from you anymore! Fingerhut needs to credit the shipping charges for each item that was returned! Since the shopping is added to each of the SEPARATE cologne shipmentswere returned and needs to have the appropriate shipping charges credited immediately! I'm not going to pay for something that was returned via UPSI di not have the product and you are charging and sending erroneous credit balances to the CRA's This is a scam and the MN AG will be the next step, trust and believe meFingethut will re-sell those bottles of cologne and charge another customer shipping charges I'm not sure why dealing with this company is such a painBut this is unacceptableYou're telling me that if I had not filed this complaint, that I would have been erroneously charges for items that were returned? I thought that this relationship would result in a positive outcome, but over the past year I see it ha notI want Fingerhut to IMMEDIATELY CEASE all shipments of any catalogs to my place of residence Once this account is paid off-you're no longer needed! You're running a scam! I will NEVER order another item from this company You're inability to professionally resolve this situation with integrity and competence will be the downfall of your position Final Business Response / [redacted] (4000, 9, 2015/11/05) */ CONFIDENTIAL COMMUNICATION November 3, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account As we have stated in previous correspondence, per our return policy, the original shipping/handling is nonrefundable unless the merchandise is damaged, defective, or in the case of a shipping errorThe original shipping/handling Mr [redacted] is responsible for is $ We have received Mr [redacted] 's request to opt out of future mailings from FingerhutWe have updated our records and removed Mr [redacted] from the mailing list, but because out catalogs are printed in advance, Mr [redacted] should allow to weeks for this request to process Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
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 meThank you
I am rejecting this response because: My November payment was "NOT" days late to FingerhutPayment was due November 9TH and the payment was made on November 26TH That does not make it late I have a statement from Fingerhut that shows none of my payments were ever days late
Initial Business Response / [redacted] (1000, 5, 2016/02/05) */ CONFIDENTIAL COMMUNICATION February 5, 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 that she has been paying $a month on her WebBank/Fingerhut bill and Fingerhut is now requesting a minimum payment of $a month that she cannot affordMs [redacted] states that she spent three hours on the phone trying to resolve this issue, but no one would help herMs [redacted] is requesting to have all late fees credited, to have a due date of the 28th each month and to make $a month payments without incurring additional late fees The WebBank/Fingerhut credit account ending in was opened on October 16, when an order was processed online for three twin sheet sets, three 17xpillows and a twin comforter set According to our records, Ms [redacted] began to miss monthly payments and make payments for less than the minimum due in May Please understand that when a payment is not received, or is received for less than the minimum due, late fees and interest charges accrue in accordance with the terms and conditions Ms [redacted] agreed to upon opening this account Between June 16, and September 11, 2014, $in merchandise was ordered, which caused the minimum due to increase from $due by May 6, to $due by October 6, On February 18, 2015, Ms [redacted] 's account met the qualifications for a reduced payment program, so Ms [redacted] was agreed to a nine month reduced payment plan for $a monthDuring the program, the account was not charged late fees and received a reduced interest rate of 14.9% On January 5, 2016, Ms [redacted] account reverted back to the original contractual terms, and is now closed to future purchases The current balance on Ms [redacted] 's account is $1,with a minimum payment of $due by February 13, Upon a thorough review of Mrs [redacted] 's account, it was discovered that on July 23, 2015, Ms [redacted] contacted Fingerhut to provide a new debit card and set up recurring payments Unfortunately, the previous scheduled payments were not deleted and Ms [redacted] incurred three return payment fees for $eachA credit for $was issued to Ms [redacted] 's account on February 4, The $late fee incurred on January 13, was also credited to Ms [redacted] 's account as a courtesy on January 29, According to a call recording on January 28, 2016, Ms [redacted] was advised that the available due dates were between the 1st and 27th each monthSince Ms [redacted] is requesting a due date of the 28th, we are unable to honor her request If Ms [redacted] still wishes to change her due date from the 13th, she may contact Customer Service at 1-800-208-Please note that the due date can only be changed when the account is current Based on the available call recordings, all representatives and supervisors were respectful and professional in their conversations with Ms [redacted] Fingerhut's goal is to provide professional customer service in all interactions and our representatives are trained accordinglyWe apologize if we have fallen short of your expectations Sincerely, Kari [redacted] Executive Care Team KD/lg Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/02/18) */