Dear Ms [redacted] :I am in receipt of the above referenced matterPer the complainant's request, my company has ceasedall communicationAlso, we have requested of our client today, written validation of these accounts,which we will forward to the complainant as soon as we receive them.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 because although my refund wasn't sent on the 16th like fingerhut stated, after I contacted my bank and fingerhut customer service, they finally issued Me a refundI will never shop at finger hut again!
CONFIDENTIAL COMMUNICATION [redacted] Jessup, Pennsylvania 18434- November 9, Revdex.com Attn: [redacted] S River Ridge Circle Burnsville, MN Re: [redacted] ID # [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of [redacted] regarding a Haband internet order Ms [redacted] states that she placed an order on Haband’s website two years ago She was asked if she wanted to enroll in Haband’s VIP Plus program for $ She was not aware that it was a monthly fee until recently She called Haband’s VIP Plus Team and they agreed to give her a refund for one year of the membership They also said they would have someone contact her to get the full amount refunded She states that she was billed for a VIP club on a monthly fee without notifying her Our records indicate that while placing an a web order on November 14, for multiple articles of clothing, Ms [redacted] was presented with an offer to accept a membership in our Haband VIP Plus program The offer included a gift code number representing $off your next Haband purchase compliments of Haband VIP Plus To enroll in this program, the customer must click on the applicable banner ad and is taken to a landing page that fully describes the term and benefits of Haband VIP Plus Within the Offer Details section, the customer is advised that they may activate a membership in VIP Plus and claim a $gift code to apply to their next Haband purchase and start enjoying the benefits of VIP Plus for the next days A nominal activation fee of $is billed by Haband VIP Plus to the credit card used on the Haband order After the first days the membership automatically continues for a monthly $membership fee, billed by Haband VIP Plus, to the same credit card used on the Haband Order transaction unless the customer requests to cancel the membership Cancellation may be made at any time with no further obligation The VIP Plus membership was cancelled on September 2, One refund of $was issued on the same date refunds of $were issued on September 7, 2016, refunds of $and one refund of $were issued on November 7, These refunds were all issued back to the credit card in which the payments were originally applied The additional monthly fees of $each were issued in the form of a refund check for $on November 8, If Ms [redacted] has any further questions or concerns, she may contact Haband VIP Plus directly at ###-###-#### Thank you for allowing us to explain Sincerely, Lea [redacted] Haband Customer Service Bluestem Brands, Inc
I am rejecting this response because: They state that they attempted to contact me through the following phone number: ###-###-####This is an old phone number and I don't know how or why it was associated with my accountThey did not call me on either of the other two phone numbersOne of them was my cell phone and I would have answeredI checked my phone record and it does not show that Gettington tried to contact me at my cell phone numberI am not satisfied with their resolution in the matter and I feel there terms were unjustAs I stated in my original complaint, and according to their own admission, I made a payment in February (February 8, 2016) this was well before the due date on February 22, They further state that the amount of $was reversed by my bankThis was a joint account that my husband had added my name onIt was his reversing of the monies not mineIn addition I was out of town when I returned I had a letter from Gettington stating the money from my husbands bank account had been reversedI immediately made a payment of $ To give me only thirty days in which to respond is poor business protocolMost companies when they hear about a situation such as mine they would work with meObviously Gettington does not value their loyal customersI purchased many items through Gettington and I always paid them when due and most of the time I paid the bill in full well before the due dateAs I stated in my original complaint I will pay the remainder of the balance offIn light of how this was handled, I will never do business again with GettingtonThey have offered me the option to have my account closedI will do that later today
Initial Business Response / [redacted] (1000, 5, 2015/10/23) */ CONFIDENTIAL COMMUNICATION October 23, # [redacted] Revdex.com of Minnesota Attn: [redacted] [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] ***, [redacted] Dear Ms [redacted] , I am writing in response to the recent inquiry that we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Our records indicate on June 30, Ms [redacted] purchased a Zeki 7" 8GB Android TabletOn September 28, Ms [redacted] contacted Gettington stating the tablet was not working properlyAt this time Ms [redacted] was told she would need to contact the products manufacturer as we require returns to be make in accordance with Gettington's return policy which states: "We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are non refundableComputers, tablets, e-readers, camcorders, electronic gaming systems, air conditioners, holiday decorations, heaters, and generators have to be returned within the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchange or accept returnsOther product concerns must be handled under manufacturers' warrantySoftware and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanged are permitted for the identical product only." Our phone agent correctly advised Ms [redacted] that any requests to repair or replace the device should be referred to and handled by the manufacturerFor all concerns with this product Mr [redacted] should contact Zeki [redacted] Thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) in response, I contacted zeki, the manufacturer and they did exchange the tablet for a new onethis tablet defected also as citedapparently gettington is selling defective merchandise and this is why im asking for a refundi did contact zeki again and they offered to exchange again but I declined.that is two new tablets, same brand name and they both defect in the same mannerit is unfair that I paid for a new tablet and it is defective and then I was mislead because both tablets in all other aspects worked Final Business Response / [redacted] (4000, 9, 2015/10/27) */ CONFIDENTIAL COMMUNICATION October 27, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry that we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account As we stated in our last letter, Gettington is unable to refund Ms [redacted] for the Zeki 7" 8GB Android Tablet due to the amount of time that has passed since her purchase as we do require returns to be make in accordance to the Gettington return policy Ms [redacted] should contact Zeki for any requests to repair or replace the device Thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/KS
Initial Business Response / [redacted] (1000, 5, 2016/02/15) */ CONFIDENTIAL COMMUNICATION February 15, 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 that the Serta Queen 19" Pillowtop Airbed w/ Neverflat Pump was purchased on June 4, We received this item as a return on December 30, which was outside of our return window timeframe as outlined in our return policyHowever, due to extenuating circumstances, we made an exception to credit the airbedThe credit amount of $was issued on January 4, 2016, which reflects the price of the bed onlyAs outlined in our return policy, the shipping and handling charges are nonrefundable and were not included in the credit Mr***'s monthly billing statements include charges from one of our partner programs, ASP travel insurance, on the first of each monthMr***'s enrollment in this program remains active and will be continue to be billed accordinglyAside from these charges, the remaining balance consists of late fees and finance charges At this time, the total balance on Mr***'s account is $with a minimum due of $by February 20, Mr [redacted] should make a payment of at least this amount by the due date to avoid accruing a late fee and ensure the account remains in good standing Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI would only ask that in the future I wouldn't have to go to these lengths to get an answer confirming what happens with my account
CONFIDENTIAL COMMUNICATION December 6, 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 In Ms***’s inquiry, she states that she ordered the Xbox One S bundle on November 23, When Ms [redacted] received her package, she states that our company had shipped the Xbox One Ms [redacted] states that in the title of the advertisement it states Xbox One S but in the specifications this states Xbox One Our research confirms the product we have in stock and are shipping (our item number NLFN8) is the “S” modelThe older model that is not the “S” had a black chassis, while the “S” model is white in colorThe reason the specifications state Xbox One is because it is the same system but an upgraded modelNames do not always get changed and the materials may still state Xbox One The S model, is an upgraded model to include special features not included with the regular Xbox One On November 29, 2016, Ms [redacted] contacted Fingerhut regarding this order Our representative then created a new order and reshipped the product to Ms*** We recommend Ms [redacted] return one of the Xbox One S consoles to receive full credit for the item to her account If Ms [redacted] returns the first Xbox One S, we will attach the 2-year service plan that was included with her first order to the replacement that was sent Please note if she chooses to keep both Xbox consoles, she will be responsible for the payments of both items We apologize for any inconvenience caused to Ms*** Should Ms [redacted] have any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of am and 8:pm, Central Time, Monday-Friday Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/rg
CONFIDENTIAL COMMUNICATION December 29, Revdex.com of Minnesota Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut credit account ending in ***We have included a statement of account activity and a copy of the Terms & Conditions Ms [redacted] states that her Fingerhut account was paid in full prior to account being sold to another lender and the account is being reported incorrectly to the credit bureaus Ms [redacted] ’s desired resolution is to have the account report correctly to all three credit bureaus On August 24, 2012, an application was processed online using Ms [redacted] ’s personally identifiable informationOn April 19, 2013, an order was placed online for a Barberry Queen 9pc Comforter SetThe merchandise was shipped via FedEx to the same address as on the applicationThe most recent purchase, totaling $83.98, was placed on May 31, We have received multiple payments on this account from a checking account ending in [redacted] shown in the name of [redacted] The last payment, totaling $20.00, was received on November 7, The unpaid balance of $charged off on February 8, Please note once an account charges off, it is subject to be soldThe account no longer qualifies for payment plans or settlements; the entire balance is due Our records reflect that four payments made online February 10, 13, 17, 25, 2015, totaling $115.24, were insufficient to pay the account in fullThe account was sold to [redacted] l on February 27, Fingerhut no longer collects or owns the account Since the account was sold to [redacted] l, the payments made on March 4, 8, 13, 18, 25, and 27; and April 1, were received after the account was sold and have been forwarded to the account owner, [redacted] l According to an account review completed on December 22, 2016, Equifax, Experian and Trans Union are accurately reporting the account as “Transfer/Sold” and/or “Purchased by Another Lender” with a balance of zero We cannot revise any 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 your Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Ms [redacted] has questions about what [redacted] l may be reporting, she may contact them directly at ###-###-#### Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
I am rejecting this response because:I never receive such terms when I signed up for fingerhutAnd they do force people to buy their productsBecause they say you must buy a certain amount of products to keep the credit line increaseSo how does that help someone credit? Using all of your credit line does not help youIt just helps bluestem brands to make more money and ruin your credit at the same timeI see the way you all responded to me that clearly don't care about your customers at allRevdex.com you can close the compliant
CONFIDENTIAL COMMUNICATION June 21, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountPlease see attached letter(s) of response as it exceeds the 2,max character count
Dear Ms [redacted] : I am in receipt of your letter dated June 15, 2016, regarding the above-referenced matterThe complainant's facts are in dispute and erroneousAny fee earned by my company was justly earned in accordance with a written contract between the partiesI have contacted and responded to the complainant in a similar fashionPlease contact me if you need any further informationSincerely, CREDIT ADJUSTMENT BOARD, INC
CONFIDENTIAL COMMUNICATION March 23, Revdex.com of Minnesota Attn: [redacted] SRiver 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 Credit Account and related SafeLine Account Protection Plus plan (SafeLine Plus) Our records show that Ms [redacted] elected to enroll in SafeLine Plus on December 20, while completing an application for credit on the Fingerhut websiteThis is an optional debt-waiver plan offered by the issuer of the Fingerhut credit account; the monthly fee is $for every $of the credit account statement balance and is disclosed in the "fees" section of the customer's monthly statement Since early 2014, Ms [redacted] has opened multiple separate benefit claims with SafeLine and its various categories of covered life eventsWhile Ms [redacted] does not specify any one claim in particular or a timeframe in which her credit reporting was affected, we received and reviewed all of SafeLine's records for Ms***'s recent benefit claimsWe found that, with each benefit, there was a common occurrence in which SafeLine received insufficient documentation back from Ms***, and they had to send additional correspondence and make additional attempts to receive the proper proof that was needed to approve the benefit Ms [redacted] recently initiated claims for: "Life Event - General" on November 23, "Life Event - Care for Spouse/Family Member" on January 8, "Life Event - Change of Primary Address" on January 8, "Life Event - Reduction in Work Hours" on January 16, 2016, and another "Life Event - Care for Spouse/Family Member" on February 10, For the first benefit claim, Ms [redacted] returned documentation to SafeLine indicating she wanted to open a benefit for "college graduation"On December 16, a letter of benefit denial was sent because graduation from schooling is not a covered life event per the SafeLine contract termsFor the second benefit claim, Ms [redacted] returned a completed application, but it did not include proof of expenses for her care of a sick spouse/family memberOn January 20, 2016, SafeLine sent a letter requesting the missing information and stating that, without it, no benefits could be approved Her third benefit claim was approved, and she received one monthly benefit payment which posted to her account on January 19, for $This was the maximum number of benefits allowed for the "change of address" event type per SafeLine's contract termsHer fourth benefit was also approved, on March 3, 2016--after Fingerhut waited for an extended period to receive additional documentation from Ms***She did meet the eligibility requirements for the "reduction in work hours" benefitTo date, this benefit has paid a total of $($plus $73.02) to Ms***'s account, which represented the current minimum payment due for the months of January and February during which time the event occurredThese two benefit payments posted to her account on March 3, Ms***'s fifth and latest benefit claim she initiated was approved on February 23, when SafeLine received documentation to substantiate her care for a sick spouse/family memberTo date, this benefit also has paid a total of $($plus $73.02) to her account, as it represented the current minimum payment due for the months of January and February during which time the event occurredThese two benefit payments posted to her account on February 23, Please be advised that in all correspondence SafeLine sent Ms***, it was clearly stated that she remained responsible to make her monthly payments until she received notification from them that a claim was approvedHowever, when the above referenced benefit payments posted to her account due to her claims being approved, the late fees from January and February were credited as a resultThese credits are reflecting on Ms***'s statement dated March 7, We reviewed the credit reporting of Ms***'s account and maintain that it has been reported accurately We cannot revise any past reporting information to the credit bureaus for the reasons stated above, and because we are required by law (Fair Credit Report Act) to furnish accurate reporting Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/lg
CONFIDENTIAL COMMUNICATION July 25, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut FreshStart Credit Account for Mr [redacted] Mr [redacted] states he returned a defective vacuum, but had to pay out of pocket to do soHe was told he would be reimbursed, though Mr [redacted] states he was later denied the reimbursement even after he sent in the return receipt as proofAlso, he wanted an exchange, but it was processed as a return; when he reordered the same item, it was priced higherMr [redacted] requests we honor what he was told and reimburse the $return shipping he paidPlease see the full and detailed response in the attached letterSincerely, Vi ***Executive Care TeamVF/ah
CONFIDENTIAL COMMUNICATION May 5, 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 AccountMs [redacted] states that when she attempted to use the Earth Day Promotion code for 20% off site wide she was not able to apply the promotional code to item SB- Master Craft Pressure Washer and the Master Craft Pressure Washer was not listed as an item that was excluded from the promotionMs [redacted] states when she was disconnected numerous times after waiting for long periods of time when using the online chat service and wasn’t properly assisted when she called customer service Fingerhut’s goal is to provide professional customer service in all interactions and our representatives are trained accordinglyWe apologize if we have fallen short of Ms [redacted] expectationsOur research has validated that the Master Craft PSI Gas Pressure Washer SBwas eligible for the Earth Day promotion codeAfter troubleshooting the offer with this specific product, we were able to reproduce the promotional discount issueIf Ms [redacted] still wishes to order this product, she may call our Executive Care Team at ###-###-#### and request to speak with Jessica We will then place the order for the gas pressure washer with a discount of percentThank you for bringing this to our attentionSincerely, Vi [redacted] Executive Care Team VF/jm
CONFIDENTIAL COMMUNICATION May 13, Revdex.com of Minnesota # [redacted] Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: Mr [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut credit account ending in ***Mr [redacted] states that his WebBank/Fingerhut credit account was not included in his bankruptcy and should not be reporting negativelyMr [redacted] is requesting to have the derogatory remarks removed from his credit reportOur records indicate, a WebBank/Fingerhut credit account ending [redacted] was opened when an application for credit was processed online July 13, in the name [redacted] A [redacted] 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, On March 28, 2013, Mr [redacted] attempted to order a Scosche iPad Black Leather Textured Folio Case using the first Fingerhut credit account ending in ***The order was cancelled as the account was previously closed due to BankruptcyOur records indicate a second credit application was received on March 28, 2013, with Mr [redacted] ’s name which was approved for a Fingerhut FreshStart Installment Loan account ending in [redacted] upon receipt of a $down paymentAn order was placed online the same day for a Scosche iPad Black Leather Textured Folio CaseOn June 9, 2013, Mr [redacted] graduated into a second WebBank/Fingerhut credit account ending in An order was placed for a Honeywell True HEPA Quietcare Air Purifier with a year Service PlanAccording to public record, Mr [redacted] ’s bankruptcy was discharged on January 21, and the case was closed on April 1, Based on an account review on May 11, 2016, Equifax, Experian and Trans Union are reporting Mr [redacted] ’s account ending in [redacted] accurately as Closed Due to Chapter Bankruptcy with a zero balance and past dueIn order to ensure all bureaus are reporting the same, an electronic update was sent to the bureaus to update the Date of Account Information to August 24, (Ref: [redacted] ) The bureaus are also accurately reporting the Fingerhut FreshStart Installment Loan account ending in [redacted] and second Fingerhut credit account ending in [redacted] as ‘paid and closed with a zero balance’ and ‘current with a zero balance’, respectivelyWe cannot revise any additional information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Mr [redacted] ’s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as wellIf Mr [redacted] still has questions about his account regarding what has or has not been reported to the credit bureaus, he may contact Fingerhut by calling toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Standard TimeThank you for allowing us to explainSincerely, Kari [redacted] Executive Care Team KD/sjj
CONFIDENTIAL COMMUNICATION May 16, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] states he purchased a Dell computer from FingerhutHe states the computer is not working properly and neither Dell nor Fingerhut would help with this issue Our records indicate Mr [redacted] purchased a Dell Inspiron 15.6" HD 4GB Windows Laptop Computer on August 16, Mr [redacted] contacted Fingerhut on January 25, stating his computer was not working properlyAt this time Mr [redacted] was correctly advised he would need to contact the products manufacturer as we require returns to be made in accordance with Fingerhut’s return policy which states: “We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are nonrefundableComputers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchanges or accept returnsOther product concerns must be handled under the manufacturers’ warrantySoftware and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanges are permitted for the identical product only.” Due to the length of time that has passed since Mr [redacted] ’s purchase, any requests to repair or replace the device should be referred and handled by the product’s manufacturerFor all concerns with this item, Mr [redacted] should contact Dell at ###-###-#### Monday through Friday 8AM-9PM Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team
CONFIDENTIAL COMMUNICATION September 27, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] states she ordered a loveseat and recliner seat covered from Fingerhut and never received the merchandiseShe states she filed reports with the local shipper as well as the police department but has not been credited for the missing merchandiseShe would like all charges for this order be taken off her account and close her account Our records indicate Ms [redacted] purchased a Sure Fit Stretch Suede Recliner Slipcover and a Sure Fit Stretch Suede Loveseat Slipcover on July 26, On August 8, Ms [redacted] contacted Fingerhut stating she did not receive the ordered merchandiseAt this time she stated she would fill out a legal affidavit onlineDue to the monetary value of the merchandise ordered Ms [redacted] was required to file a police reportWe received the completed affidavit from Ms [redacted] on August 9, 2016, however we did not receive the requested police reportOn that same date an additional affidavit was e-mailed to Ms [redacted] We received the second completed affidavit back on September 11, This document was also denied due to not supplying a filed police report We received the requested police report from Ms [redacted] on September 19, On the same date the entire order placed on July 26, was credited to her accountMs [redacted] will be able to see the credit in the amount of $on her next billing statement Per Ms [redacted] ’s request her Fingerhut account was closed on September 14, If her account was not paid in full when she closed it, her outstanding balance will continue to accrue interest and other charges and be subject to the terms and conditions of the Agreement At this time Ms [redacted] ’s current balance is $A minimum payment of $is due by October 20, If Ms [redacted] has any further questions she may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard TimeThank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION August 2, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] states he has contacted Fingerhut several times in the past year and a half and Fingerhut has never returned to call to him Our records indicate Mr [redacted] spoke with a representative on February 19, where he was provided with the customer service phone number to discuss the issues he was having with his merchandise Mr [redacted] contacted Fingerhut on June 8, stating he returned the mattress to FingerhutWe did not receive this item as a return, and credit was not issued to his Fingerhut Account We have reviewed the phone call Mr [redacted] placed to Fingerhut on June 11, During the phone call Mr [redacted] stated the mattress was defective, however at that time Mr [redacted] would have been unable to return the mattressWe require returns to be made in accordance with our return policy as stated previously If Mr [redacted] needs assistance with this product, he should contact National Extended Warranty at 1-866-813-His warranty contact number is [redacted] At this time Mr [redacted] ’s account balance is $If he has any further questions he may contact Fingerhut Customer Service at 1-800-250-Monday-Friday 8:00AM- 8:00PM Central Standard Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KSTell us why here
Dear Ms [redacted] :I am in receipt of the above referenced matterPer the complainant's request, my company has ceasedall communicationAlso, we have requested of our client today, written validation of these accounts,which we will forward to the complainant as soon as we receive them.Thank you
I am rejecting this response because:I do not care what they sayI do not now nor have I ever wanted this accountI want it closed!
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 because although my refund wasn't sent on the 16th like fingerhut stated, after I contacted my bank and fingerhut customer service, they finally issued Me a refundI will never shop at finger hut again!
CONFIDENTIAL COMMUNICATION [redacted] Jessup, Pennsylvania 18434- November 9, Revdex.com Attn: [redacted] S River Ridge Circle Burnsville, MN Re: [redacted] ID # [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of [redacted] regarding a Haband internet order Ms [redacted] states that she placed an order on Haband’s website two years ago She was asked if she wanted to enroll in Haband’s VIP Plus program for $ She was not aware that it was a monthly fee until recently She called Haband’s VIP Plus Team and they agreed to give her a refund for one year of the membership They also said they would have someone contact her to get the full amount refunded She states that she was billed for a VIP club on a monthly fee without notifying her Our records indicate that while placing an a web order on November 14, for multiple articles of clothing, Ms [redacted] was presented with an offer to accept a membership in our Haband VIP Plus program The offer included a gift code number representing $off your next Haband purchase compliments of Haband VIP Plus To enroll in this program, the customer must click on the applicable banner ad and is taken to a landing page that fully describes the term and benefits of Haband VIP Plus Within the Offer Details section, the customer is advised that they may activate a membership in VIP Plus and claim a $gift code to apply to their next Haband purchase and start enjoying the benefits of VIP Plus for the next days A nominal activation fee of $is billed by Haband VIP Plus to the credit card used on the Haband order After the first days the membership automatically continues for a monthly $membership fee, billed by Haband VIP Plus, to the same credit card used on the Haband Order transaction unless the customer requests to cancel the membership Cancellation may be made at any time with no further obligation The VIP Plus membership was cancelled on September 2, One refund of $was issued on the same date refunds of $were issued on September 7, 2016, refunds of $and one refund of $were issued on November 7, These refunds were all issued back to the credit card in which the payments were originally applied The additional monthly fees of $each were issued in the form of a refund check for $on November 8, If Ms [redacted] has any further questions or concerns, she may contact Haband VIP Plus directly at ###-###-#### Thank you for allowing us to explain Sincerely, Lea [redacted] Haband Customer Service Bluestem Brands, Inc
I am rejecting this response because: They state that they attempted to contact me through the following phone number: ###-###-####This is an old phone number and I don't know how or why it was associated with my accountThey did not call me on either of the other two phone numbersOne of them was my cell phone and I would have answeredI checked my phone record and it does not show that Gettington tried to contact me at my cell phone numberI am not satisfied with their resolution in the matter and I feel there terms were unjustAs I stated in my original complaint, and according to their own admission, I made a payment in February (February 8, 2016) this was well before the due date on February 22, They further state that the amount of $was reversed by my bankThis was a joint account that my husband had added my name onIt was his reversing of the monies not mineIn addition I was out of town when I returned I had a letter from Gettington stating the money from my husbands bank account had been reversedI immediately made a payment of $ To give me only thirty days in which to respond is poor business protocolMost companies when they hear about a situation such as mine they would work with meObviously Gettington does not value their loyal customersI purchased many items through Gettington and I always paid them when due and most of the time I paid the bill in full well before the due dateAs I stated in my original complaint I will pay the remainder of the balance offIn light of how this was handled, I will never do business again with GettingtonThey have offered me the option to have my account closedI will do that later today
Initial Business Response / [redacted] (1000, 5, 2015/10/23) */ CONFIDENTIAL COMMUNICATION October 23, # [redacted] Revdex.com of Minnesota Attn: [redacted] [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] ***, [redacted] Dear Ms [redacted] , I am writing in response to the recent inquiry that we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account Our records indicate on June 30, Ms [redacted] purchased a Zeki 7" 8GB Android TabletOn September 28, Ms [redacted] contacted Gettington stating the tablet was not working properlyAt this time Ms [redacted] was told she would need to contact the products manufacturer as we require returns to be make in accordance with Gettington's return policy which states: "We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are non refundableComputers, tablets, e-readers, camcorders, electronic gaming systems, air conditioners, holiday decorations, heaters, and generators have to be returned within the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchange or accept returnsOther product concerns must be handled under manufacturers' warrantySoftware and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanged are permitted for the identical product only." Our phone agent correctly advised Ms [redacted] that any requests to repair or replace the device should be referred to and handled by the manufacturerFor all concerns with this product Mr [redacted] should contact Zeki [redacted] Thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) in response, I contacted zeki, the manufacturer and they did exchange the tablet for a new onethis tablet defected also as citedapparently gettington is selling defective merchandise and this is why im asking for a refundi did contact zeki again and they offered to exchange again but I declined.that is two new tablets, same brand name and they both defect in the same mannerit is unfair that I paid for a new tablet and it is defective and then I was mislead because both tablets in all other aspects worked Final Business Response / [redacted] (4000, 9, 2015/10/27) */ CONFIDENTIAL COMMUNICATION October 27, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry that we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account As we stated in our last letter, Gettington is unable to refund Ms [redacted] for the Zeki 7" 8GB Android Tablet due to the amount of time that has passed since her purchase as we do require returns to be make in accordance to the Gettington return policy Ms [redacted] should contact Zeki for any requests to repair or replace the device Thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/KS
Initial Business Response / [redacted] (1000, 5, 2016/02/15) */ CONFIDENTIAL COMMUNICATION February 15, 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 that the Serta Queen 19" Pillowtop Airbed w/ Neverflat Pump was purchased on June 4, We received this item as a return on December 30, which was outside of our return window timeframe as outlined in our return policyHowever, due to extenuating circumstances, we made an exception to credit the airbedThe credit amount of $was issued on January 4, 2016, which reflects the price of the bed onlyAs outlined in our return policy, the shipping and handling charges are nonrefundable and were not included in the credit Mr***'s monthly billing statements include charges from one of our partner programs, ASP travel insurance, on the first of each monthMr***'s enrollment in this program remains active and will be continue to be billed accordinglyAside from these charges, the remaining balance consists of late fees and finance charges At this time, the total balance on Mr***'s account is $with a minimum due of $by February 20, Mr [redacted] should make a payment of at least this amount by the due date to avoid accruing a late fee and ensure the account remains in good standing Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI would only ask that in the future I wouldn't have to go to these lengths to get an answer confirming what happens with my account
CONFIDENTIAL COMMUNICATION December 6, 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 In Ms***’s inquiry, she states that she ordered the Xbox One S bundle on November 23, When Ms [redacted] received her package, she states that our company had shipped the Xbox One Ms [redacted] states that in the title of the advertisement it states Xbox One S but in the specifications this states Xbox One Our research confirms the product we have in stock and are shipping (our item number NLFN8) is the “S” modelThe older model that is not the “S” had a black chassis, while the “S” model is white in colorThe reason the specifications state Xbox One is because it is the same system but an upgraded modelNames do not always get changed and the materials may still state Xbox One The S model, is an upgraded model to include special features not included with the regular Xbox One On November 29, 2016, Ms [redacted] contacted Fingerhut regarding this order Our representative then created a new order and reshipped the product to Ms*** We recommend Ms [redacted] return one of the Xbox One S consoles to receive full credit for the item to her account If Ms [redacted] returns the first Xbox One S, we will attach the 2-year service plan that was included with her first order to the replacement that was sent Please note if she chooses to keep both Xbox consoles, she will be responsible for the payments of both items We apologize for any inconvenience caused to Ms*** Should Ms [redacted] have any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of am and 8:pm, Central Time, Monday-Friday Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/rg
CONFIDENTIAL COMMUNICATION December 29, Revdex.com of Minnesota Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding her WebBank/Fingerhut credit account ending in ***We have included a statement of account activity and a copy of the Terms & Conditions Ms [redacted] states that her Fingerhut account was paid in full prior to account being sold to another lender and the account is being reported incorrectly to the credit bureaus Ms [redacted] ’s desired resolution is to have the account report correctly to all three credit bureaus On August 24, 2012, an application was processed online using Ms [redacted] ’s personally identifiable informationOn April 19, 2013, an order was placed online for a Barberry Queen 9pc Comforter SetThe merchandise was shipped via FedEx to the same address as on the applicationThe most recent purchase, totaling $83.98, was placed on May 31, We have received multiple payments on this account from a checking account ending in [redacted] shown in the name of [redacted] The last payment, totaling $20.00, was received on November 7, The unpaid balance of $charged off on February 8, Please note once an account charges off, it is subject to be soldThe account no longer qualifies for payment plans or settlements; the entire balance is due Our records reflect that four payments made online February 10, 13, 17, 25, 2015, totaling $115.24, were insufficient to pay the account in fullThe account was sold to [redacted] l on February 27, Fingerhut no longer collects or owns the account Since the account was sold to [redacted] l, the payments made on March 4, 8, 13, 18, 25, and 27; and April 1, were received after the account was sold and have been forwarded to the account owner, [redacted] l According to an account review completed on December 22, 2016, Equifax, Experian and Trans Union are accurately reporting the account as “Transfer/Sold” and/or “Purchased by Another Lender” with a balance of zero We cannot revise any 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 your Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Ms [redacted] has questions about what [redacted] l may be reporting, she may contact them directly at ###-###-#### Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
I am rejecting this response because:I never receive such terms when I signed up for fingerhutAnd they do force people to buy their productsBecause they say you must buy a certain amount of products to keep the credit line increaseSo how does that help someone credit? Using all of your credit line does not help youIt just helps bluestem brands to make more money and ruin your credit at the same timeI see the way you all responded to me that clearly don't care about your customers at allRevdex.com you can close the compliant
CONFIDENTIAL COMMUNICATION June 21, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountPlease see attached letter(s) of response as it exceeds the 2,max character count
Dear Ms [redacted] : I am in receipt of your letter dated June 15, 2016, regarding the above-referenced matterThe complainant's facts are in dispute and erroneousAny fee earned by my company was justly earned in accordance with a written contract between the partiesI have contacted and responded to the complainant in a similar fashionPlease contact me if you need any further informationSincerely, CREDIT ADJUSTMENT BOARD, INC
CONFIDENTIAL COMMUNICATION March 23, Revdex.com of Minnesota Attn: [redacted] SRiver 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 Credit Account and related SafeLine Account Protection Plus plan (SafeLine Plus) Our records show that Ms [redacted] elected to enroll in SafeLine Plus on December 20, while completing an application for credit on the Fingerhut websiteThis is an optional debt-waiver plan offered by the issuer of the Fingerhut credit account; the monthly fee is $for every $of the credit account statement balance and is disclosed in the "fees" section of the customer's monthly statement Since early 2014, Ms [redacted] has opened multiple separate benefit claims with SafeLine and its various categories of covered life eventsWhile Ms [redacted] does not specify any one claim in particular or a timeframe in which her credit reporting was affected, we received and reviewed all of SafeLine's records for Ms***'s recent benefit claimsWe found that, with each benefit, there was a common occurrence in which SafeLine received insufficient documentation back from Ms***, and they had to send additional correspondence and make additional attempts to receive the proper proof that was needed to approve the benefit Ms [redacted] recently initiated claims for: "Life Event - General" on November 23, "Life Event - Care for Spouse/Family Member" on January 8, "Life Event - Change of Primary Address" on January 8, "Life Event - Reduction in Work Hours" on January 16, 2016, and another "Life Event - Care for Spouse/Family Member" on February 10, For the first benefit claim, Ms [redacted] returned documentation to SafeLine indicating she wanted to open a benefit for "college graduation"On December 16, a letter of benefit denial was sent because graduation from schooling is not a covered life event per the SafeLine contract termsFor the second benefit claim, Ms [redacted] returned a completed application, but it did not include proof of expenses for her care of a sick spouse/family memberOn January 20, 2016, SafeLine sent a letter requesting the missing information and stating that, without it, no benefits could be approved Her third benefit claim was approved, and she received one monthly benefit payment which posted to her account on January 19, for $This was the maximum number of benefits allowed for the "change of address" event type per SafeLine's contract termsHer fourth benefit was also approved, on March 3, 2016--after Fingerhut waited for an extended period to receive additional documentation from Ms***She did meet the eligibility requirements for the "reduction in work hours" benefitTo date, this benefit has paid a total of $($plus $73.02) to Ms***'s account, which represented the current minimum payment due for the months of January and February during which time the event occurredThese two benefit payments posted to her account on March 3, Ms***'s fifth and latest benefit claim she initiated was approved on February 23, when SafeLine received documentation to substantiate her care for a sick spouse/family memberTo date, this benefit also has paid a total of $($plus $73.02) to her account, as it represented the current minimum payment due for the months of January and February during which time the event occurredThese two benefit payments posted to her account on February 23, Please be advised that in all correspondence SafeLine sent Ms***, it was clearly stated that she remained responsible to make her monthly payments until she received notification from them that a claim was approvedHowever, when the above referenced benefit payments posted to her account due to her claims being approved, the late fees from January and February were credited as a resultThese credits are reflecting on Ms***'s statement dated March 7, We reviewed the credit reporting of Ms***'s account and maintain that it has been reported accurately We cannot revise any past reporting information to the credit bureaus for the reasons stated above, and because we are required by law (Fair Credit Report Act) to furnish accurate reporting Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/lg
CONFIDENTIAL COMMUNICATION July 25, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut FreshStart Credit Account for Mr [redacted] Mr [redacted] states he returned a defective vacuum, but had to pay out of pocket to do soHe was told he would be reimbursed, though Mr [redacted] states he was later denied the reimbursement even after he sent in the return receipt as proofAlso, he wanted an exchange, but it was processed as a return; when he reordered the same item, it was priced higherMr [redacted] requests we honor what he was told and reimburse the $return shipping he paidPlease see the full and detailed response in the attached letterSincerely, Vi ***Executive Care TeamVF/ah
CONFIDENTIAL COMMUNICATION May 5, 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 AccountMs [redacted] states that when she attempted to use the Earth Day Promotion code for 20% off site wide she was not able to apply the promotional code to item SB- Master Craft Pressure Washer and the Master Craft Pressure Washer was not listed as an item that was excluded from the promotionMs [redacted] states when she was disconnected numerous times after waiting for long periods of time when using the online chat service and wasn’t properly assisted when she called customer service Fingerhut’s goal is to provide professional customer service in all interactions and our representatives are trained accordinglyWe apologize if we have fallen short of Ms [redacted] expectationsOur research has validated that the Master Craft PSI Gas Pressure Washer SBwas eligible for the Earth Day promotion codeAfter troubleshooting the offer with this specific product, we were able to reproduce the promotional discount issueIf Ms [redacted] still wishes to order this product, she may call our Executive Care Team at ###-###-#### and request to speak with Jessica We will then place the order for the gas pressure washer with a discount of percentThank you for bringing this to our attentionSincerely, Vi [redacted] Executive Care Team VF/jm
CONFIDENTIAL COMMUNICATION May 13, Revdex.com of Minnesota # [redacted] Attn: Ms [redacted] SRiver Ridge Circle Burnsville, MN Re: Mr [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut credit account ending in ***Mr [redacted] states that his WebBank/Fingerhut credit account was not included in his bankruptcy and should not be reporting negativelyMr [redacted] is requesting to have the derogatory remarks removed from his credit reportOur records indicate, a WebBank/Fingerhut credit account ending [redacted] was opened when an application for credit was processed online July 13, in the name [redacted] A [redacted] 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, On March 28, 2013, Mr [redacted] attempted to order a Scosche iPad Black Leather Textured Folio Case using the first Fingerhut credit account ending in ***The order was cancelled as the account was previously closed due to BankruptcyOur records indicate a second credit application was received on March 28, 2013, with Mr [redacted] ’s name which was approved for a Fingerhut FreshStart Installment Loan account ending in [redacted] upon receipt of a $down paymentAn order was placed online the same day for a Scosche iPad Black Leather Textured Folio CaseOn June 9, 2013, Mr [redacted] graduated into a second WebBank/Fingerhut credit account ending in An order was placed for a Honeywell True HEPA Quietcare Air Purifier with a year Service PlanAccording to public record, Mr [redacted] ’s bankruptcy was discharged on January 21, and the case was closed on April 1, Based on an account review on May 11, 2016, Equifax, Experian and Trans Union are reporting Mr [redacted] ’s account ending in [redacted] accurately as Closed Due to Chapter Bankruptcy with a zero balance and past dueIn order to ensure all bureaus are reporting the same, an electronic update was sent to the bureaus to update the Date of Account Information to August 24, (Ref: [redacted] ) The bureaus are also accurately reporting the Fingerhut FreshStart Installment Loan account ending in [redacted] and second Fingerhut credit account ending in [redacted] as ‘paid and closed with a zero balance’ and ‘current with a zero balance’, respectivelyWe cannot revise any additional information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Mr [redacted] ’s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as wellIf Mr [redacted] still has questions about his account regarding what has or has not been reported to the credit bureaus, he may contact Fingerhut by calling toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Standard TimeThank you for allowing us to explainSincerely, Kari [redacted] Executive Care Team KD/sjj
CONFIDENTIAL COMMUNICATION May 16, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] states he purchased a Dell computer from FingerhutHe states the computer is not working properly and neither Dell nor Fingerhut would help with this issue Our records indicate Mr [redacted] purchased a Dell Inspiron 15.6" HD 4GB Windows Laptop Computer on August 16, Mr [redacted] contacted Fingerhut on January 25, stating his computer was not working properlyAt this time Mr [redacted] was correctly advised he would need to contact the products manufacturer as we require returns to be made in accordance with Fingerhut’s return policy which states: “We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are nonrefundableComputers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchanges or accept returnsOther product concerns must be handled under the manufacturers’ warrantySoftware and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanges are permitted for the identical product only.” Due to the length of time that has passed since Mr [redacted] ’s purchase, any requests to repair or replace the device should be referred and handled by the product’s manufacturerFor all concerns with this item, Mr [redacted] should contact Dell at ###-###-#### Monday through Friday 8AM-9PM Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team
CONFIDENTIAL COMMUNICATION September 27, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] states she ordered a loveseat and recliner seat covered from Fingerhut and never received the merchandiseShe states she filed reports with the local shipper as well as the police department but has not been credited for the missing merchandiseShe would like all charges for this order be taken off her account and close her account Our records indicate Ms [redacted] purchased a Sure Fit Stretch Suede Recliner Slipcover and a Sure Fit Stretch Suede Loveseat Slipcover on July 26, On August 8, Ms [redacted] contacted Fingerhut stating she did not receive the ordered merchandiseAt this time she stated she would fill out a legal affidavit onlineDue to the monetary value of the merchandise ordered Ms [redacted] was required to file a police reportWe received the completed affidavit from Ms [redacted] on August 9, 2016, however we did not receive the requested police reportOn that same date an additional affidavit was e-mailed to Ms [redacted] We received the second completed affidavit back on September 11, This document was also denied due to not supplying a filed police report We received the requested police report from Ms [redacted] on September 19, On the same date the entire order placed on July 26, was credited to her accountMs [redacted] will be able to see the credit in the amount of $on her next billing statement Per Ms [redacted] ’s request her Fingerhut account was closed on September 14, If her account was not paid in full when she closed it, her outstanding balance will continue to accrue interest and other charges and be subject to the terms and conditions of the Agreement At this time Ms [redacted] ’s current balance is $A minimum payment of $is due by October 20, If Ms [redacted] has any further questions she may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard TimeThank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION August 2, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] states he has contacted Fingerhut several times in the past year and a half and Fingerhut has never returned to call to him Our records indicate Mr [redacted] spoke with a representative on February 19, where he was provided with the customer service phone number to discuss the issues he was having with his merchandise Mr [redacted] contacted Fingerhut on June 8, stating he returned the mattress to FingerhutWe did not receive this item as a return, and credit was not issued to his Fingerhut Account We have reviewed the phone call Mr [redacted] placed to Fingerhut on June 11, During the phone call Mr [redacted] stated the mattress was defective, however at that time Mr [redacted] would have been unable to return the mattressWe require returns to be made in accordance with our return policy as stated previously If Mr [redacted] needs assistance with this product, he should contact National Extended Warranty at 1-866-813-His warranty contact number is [redacted] At this time Mr [redacted] ’s account balance is $If he has any further questions he may contact Fingerhut Customer Service at 1-800-250-Monday-Friday 8:00AM- 8:00PM Central Standard Time Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KSTell us why here