CONFIDENTIAL COMMUNICATION June 26, Better Business Bureau of Minnesota # [redacted] Attn: [redacted] S River Ridge CircleBurnsville, 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 AccountPlease see attached letter(s) of response as it exceeds the 2,max character count
Initial Business Response / [redacted] (1000, 5, 2015/10/14) */ CONFIDENTIAL COMMUNICATION October 9, 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] claims that she set up recurring monthly payments to be drafted from the account on the 3rd of each month, but that two payments of $were drafted on October 4th and 5thWe sincerely apologize for this and we have credited the account $We did not draft a payment on October 3rd, and a payment of $was due by 10/5, so if we were to credit back the second $77, the account would not be currentThe account did not accrue any late fees or overdraft charges, as the account was paid by the due date of the 5th Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm
Initial Business Response / [redacted] (1000, 5, 2015/07/09) */ CONFIDENTIAL COMMUNICATION July 8, # [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 Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] 's account indicates she placed an order for a Suncast cu.ftVertical Shed on May 28, when speaking with a representative On May 29, 2015, we were contacted by Ms [redacted] and she requested the cancellation of order # [redacted] Unfortunately, we are never able to guarantee a cancellation once the order has been placedWe received notification from our vendor that they were unable to cancel the item since it had already shipped Our records indicate that Ms [redacted] contacted us on May 9, indicating that she informed the shipping company that her order was cancelled and she refused shipment Please understand that, in addition to products shipped from Fingerhut fulfillment centers/warehouses, many of our products are shipped directly from the vendors providing them, as was the case with Ms [redacted] 's order We received notification from the vendor on July 6, that they received the return of the Vertical ShedAt that time, a credit was issued for the full item price, including shipping/handling, in the amount of $and interest charges in the amount of $These return credits will be visible on Ms [redacted] 's July 26, billing statement Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ca Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) The information provided in the response is not true, I was contacted by the shipper after canceling the order, I was contacted to arrange a shipping date, at the time of the call I advised this order was already cancelled, there nothing was shipped Nevertheless, the business has credited my account, simply owning responsibility of ignoring my multiple request via phone and email for a credit would hve been the professional way to go about it
I am rejecting this response because: The statements of facts are False.No one asked or gave any explanations as to a Do Not Call being placed on my account, nor did I ever Request suchI stated that the times fingerhut calls me, I am unavailable during those hours, I also stated repeatedly that reps can call but they will get my voicemailIn regards to the online account access, #this was placed on my account after the Christmas, in fact, in January well after speaking with several representatives and supervisors after updating my phone number, AGAIN, NO ONE INFORMED ME OF THIS DURING ANY CALLSThe mere fact that this company refuses to take responsibility for their mishaps as well as continue to falsify statements is very bias, rude, and annoyingWhen calling in after other rude incidents, I finally spoke with Brian who like other representatives, seems to not understand or comprehend wellI explained my situation, he refused to give me his manager, he stated he needed to verify the information they have and my last four of my socialI verified suchHe stated he could not assist me any further, he did not note my account as requested to state I would verify my last four just not my whole social as I do not want my credit ranBrian called at 6:am PST the very next day after I informed him of times that are good for me.The representative are rude, bias, non informed of consumers credit rightsI am not accepting this company's response due to credit violations, lies, deceptive practices, tampering with my account without my knowledge, and no resolution offered for my terrible experiencesFingerhut needs to remove the do not call placed on my account as I did not request such and have not been provided with legal documents supporting this requestI have a charge account, to charge, these reps do not disclose how they are noting customers accounts nor do customers know what is being noted, such as in this case, Brian and other representatives deceptively noted my account without informing myselfUntil apologies are given properly, addressing every issue and repeated abuse, I want this complaint to remain as unresolved and on recordMy online account access needs to be corrected and my account needs to be reimbursed for the fdcpa violationsUNRESOLVED/UNSATISFIED/FAILED TO VERIFY
CONFIDENTIAL COMMUNICATION June 15, Better Business Bureau 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 AccountPlease see attached letter(s) of response as it exceeds the 2,max character count
Initial Business Response / [redacted] (1000, 5, 2016/01/28) */ CONFIDENTIAL COMMUNICATION January 26, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Mr [redacted] placed an order on November 17, for an Asus 15.6" HD 4GB Windows Laptop Computer, a MyPlace Laptop Workstation, a Markwins pcBeauty Train Case and an Elizabeth Arden Visible Difference Skin Care Set totaling $The balance on Mr [redacted] 's account prior to this order was $1, On November 18, and November 19, 2015, Mr [redacted] placed additional orders totaling $A systematic review is completed at the time an order is placed and based on payment history and other determining factors, an order may be approved for more than the credit limit on the accountThere are no fees charged for being over limitMr [redacted] 's orders were approved and shipped to him due to this systematic reviewWhile the systematic review will allow an order to be placed and processed initially, no further orders can be placed on the account while it is over limit We received the return of the Laptop on January 4, According to our records, Mr [redacted] indicated on the return reason form that he was returning the Laptop for credit because he did not like the productWhen the return was processed Mr [redacted] 's account was credited $Mr [redacted] also received previous credits in the amount of $and $for promotional code discountsWe have credited the original shipping and handling for the Laptop as a courtesy and the credit will be reflected on a future billing On December 9, 2015, Mr [redacted] 's monthly billing statement was sent to the address we have on file for himThe minimum payment due by January 5, was $We did not receive the payment and a late fee was assessed per the terms and conditions Mr [redacted] agreed to at the time he opened the account On January 11, Mr [redacted] spoke to an agent in our Billing Department and inquired about the LaptopThe agent advised Mr [redacted] that the Laptop had been credited and offered to take a payment to bring the account current so Mr [redacted] could reorder the LaptopMr [redacted] requested his account to be closed and the agent closed the account per Mr [redacted] 's request Mr [redacted] attempted to place an order on January 13, and on January 20, on our websiteThe orders were unable to process due to the account being closedMr [redacted] also requested no further letters or phone calls from usPer his request a Cease and Desist was placed on his accountA confirmation letter for the Cease and Desist was mailed to Mr [redacted] at the address we have on file on January 12, On January 21, a payment was received of $Since the minimum payment due was $the account is still past dueIt is important to make the minimum payment by the due date each month to avoid late fees Additionally, due to Mr [redacted] 's account being closed, we cannot place any further orders on his account and we are unable to send the Laptop We have received the faxes Mr [redacted] sent to us on January 14, and January 19, regarding this issue and we will send a copy of this letter in response directly to the address we have on file for Mr [redacted] Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION June 22, Better Business Bureau of Minnesota # [redacted] Attn: [redacted] S River Ridge CircleBurnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountIn Ms [redacted] ’s complaint, she states our website has been down for weeks, and that she is receiving an “access denied” error messageShe has tried fixes and even tried when visiting another country to access our websiteShe is requesting for us to fix the websiteAfter reviewing our records, we show she was blocked from our website This issue on our website has been fixed, and she can continue to pay her account as per usualWe will be removing the $late fee from Ms [redacted] ’s account caused by this issue and will see the credit on a future billing statementIf Ms [redacted] has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:am and 8:pm, Central Time, Monday-FridayThank you for allowing us to explain Sincerely, Vi ***Executive Care Team VF/AH
CONFIDENTIAL COMMUNICATION March 23, 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 We are sorry that Ms [redacted] was told in November of that her due date would be changedOur records indicate that on November 25, while Ms [redacted] was on the phone with a representative who agreed to change her due date, she hung up before he was able to process this changeWe advise it can take one to two billing cycles to be updated however, we show that the due date has remained the 7th of every month and has not changed There are no notes indicating a billing date change from our contact with Ms [redacted] on December 1, 2015, however the note does mention that she would be able to pay on the third of each monthAs a courtesy we have waived the last two late fees of $and $ Ms [redacted] has expressed she would like her due date later in the month, but we need to speak to her to make this changeWe attempted to contact Ms [redacted] by phone on March 23, regarding her inquiry but were unsuccessfulWe need Ms [redacted] to call us at ###-###-#### so we may assist her furtherAs a reminder, we strongly encourage our customers to make payments on our website or by phone (same day or scheduled future payments) in an effort to avoid the possibility of late payments when mailed Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm
CONFIDENTIAL COMMUNICATIONAugust 17, 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 Credit Card Account In reviewing the correspondence we have determined that the issue relates to the Haband Credit Card Account which is administered by Comenity Capital Bank Please note that Comenity Capital Bank and Haband Company are two separate entities in which Haband Company is responsible for handling matters related to sales, merchandise processing, returns and shippingAs Haband has limited visibility into a customer’s account history due to privacy regulationsComenity Capital bank is responsible for addressing all matters related to the Haband Credit card account However, in the interest to better serve our customer Haband works closely with Comenity Capital Bank to resolve any customer issues or concerns arising from their use of the Haband Credit CardTherefore, upon receiving this inquiry, we have communicated the information with Comenity Capital Bank and we understand that they are directly pursuing a response to Ms***’s concerns After receiving Comenity Capital Bank’s response, please let us know if there are any additional questions If I may be of further assistance regarding the Haband purchases, Ms [redacted] may contact me at (570) [redacted] extension ***, Monday – Friday am - pm Thank you for allowing us to explain Sincerely, Lea [redacted] Haband Customer Service Bluestem Brands, Inc
CONFIDENTIAL COMMUNICATION December 20, # [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 Ms [redacted] indicates she intended to place an order and verified that her address was missing the apartment numberMs [redacted] states she spoke with an agent that advised her someone would contact her back and took all the information for her order and the coupon codeMs [redacted] states she never received a call back and that she contacted us several times over a two week period and has not yet received credit for the coupon code or the sale pricesMs [redacted] is requesting credit for all the coupon codes and the sale prices for the items during Black Friday weekend Our records indicate Ms [redacted] placed an order on September 26, for a NinCoffee BarAt the time the order was placed a promotion code was used for 10% off the cash price of the itemThe order was placed on our website and was shipped to the address Ms [redacted] entered when she placed the orderMs [redacted] contacted us on October 11, and advised us she did not receive the orderThe agent updated Ms [redacted] ’s address per her requestAn “affidavit of merchandise not received” was sent to Ms [redacted] and upon receiving the completed affidavit we completed our investigation and credit was issued in the amount of $to her account On November 23, Ms [redacted] contacted us regarding her address and since additional verification was needed before the change of address could be completed the agent referred a message to our Fraud DepartmentWhen our Fraud Department attempted to contact Ms [redacted] on November 25, at the phone number she provided, the agent got a recording that the phone number was disconnectedA letter was sent to the address we had on file for Ms [redacted] the same day On November 30, Ms [redacted] contacted us again to place her order, however, since the additional verification had not yet been completed the agent transferred Ms [redacted] to our Fraud DepartmentSince our intitial attempts to verify Ms [redacted] at the updated address were unsuccessful, we requested Ms [redacted] to send additional information to verify the change of addressWe received the documentation needed to complete the change of address the same day and the address was updated When Ms [redacted] attempted to place the order with an agent, however, due to the length of time that had passed, the prices on some of the items and some of the coupon codes were no longer validThe agent referred a message to a specialist and requested the promotion code to be applied for the NinCoffee BarThis discount of 10% was applied to the new order of the NinBar placed on November 30, per Ms [redacted] ’s request Please understand, it is the responsibility of our customer to ensure we have the correct contact information on their account to avoid delaysAdditionally, only one promotion code may be used per orderSince Ms [redacted] received the discount on the NinCoffee Bar of $26.00, as a courtesy, we will honor one additional promotion code to be used on the orderSince the amount of the shipping and handling credit was a bigger benefit to Ms [redacted] than the $off an order of $or more we have issued credit for the shipping and handling charges of $on Ms [redacted] ’s orderWe also honored the price difference on the pillows Ms [redacted] ordered due to the sale price during Black Friday which resulted in $credit being issued for each of the two pillowsThe credits issued on Ms [redacted] ’s account will be reflected on a future billing statementNo other items ordered by Ms [redacted] were discounted during our Black Friday sale timeframe 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] ’s expectations If Ms [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:AM – 8:PM CT Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
We are not able to locate a prospective account with the given information, can you please submit the cr from the back of the catalog you are receiving? Thank you ***copied and pasted from email
CONFIDENTIAL COMMUNICATION May 25, 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 a WebBank/Fingerhut credit accountWe have included the account activity, credit application, Terms and Conditions and the last three monthly statements Ms [redacted] states that Fingerhut is reporting a credit account which is not hersMs***’s desired resolution is to have trade line deleted from her credit report Our records indicate that on February 15, 2007, an application was processed online with Ms***’s personally identifiable informationOn March 30, an order was placed with online for a pc Pink Milano EVA LuggageThe merchandise was shipped April 2, via FedEx to the same address as provided on the applicationThe last order, totaling $44.94, was placed on August 30, We have received multiple payments on this account from checking accounts ending in 5883, and The name associated with all of the accounts is [redacted] ***The last payment, totaling $22.99, was received on September 9, No further payments were receivedThe unpaid balance of $charged off on March 13, and the account was sold to Midland Credit Management on January 31, Based on our research, we received four credit bureau disputes though the credit bureaus, since the account was sold, in which we responded directly to the bureaus on January and 22, 2015, April and May 2, Equifax and Trans Union are accurately reporting the account as Transferred/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 Ms***’s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Ms [redacted] has questions about what Midland Credit Management may be reporting, she must contact them directly at ###-###-#### We referred Ms***’s correspondence to our Credit Risk Department for further reviewIn order to continue processing a claim of fraudulent account opening, we ask that she complete and return the unordered merchandise affidavit we have sent directly to [redacted] ***, Las Vegas, Nevada on May 25, We also ask that Ms [redacted] file a police report and send both copies to the following address: Fingerhut Attn: Fraud Department [redacted] StCloud, MN Ms [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 Ms [redacted] has further questions or concerns during the process, she may contact the Fraud Department at ###-###-####Their hours are Monday – Friday 8:00am – 6:00pm Central Time Thank you for the opportunity to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
CONFIDENTIAL COMMUNICATION November 14, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut Advantage Credit Account for [redacted] *** Mr [redacted] states that he and his mother each placed one order from Fingerhut, and that he’s been receiving calls about the account being past dueHe also states that the monthly payment has doubled on both his purchase and his mothersMr [redacted] also states that he has not been allowed to talk to someone about his mother’s account, even though he assists her with her bills In regards to Mr***’s account, our records indicate he placed an order on August 23, 2016, for a GPX 32” LED TVA statement was printed on September 16, and sent to Mr [redacted] indicating his minimum payment due was $and it was due on October 15, We did not receive a payment until October 31, The payment was for $23.99, but was received sixteen days after the due date A second statement was printed on October 19, 2016, indicating the Mr***’s minimum amount due was now $and due by November 15, This is because we did not receive the October payment by the due dateWhen the November statement was created, the minimum amount due included both October and November’s amount due Mr***’s account was assessed a late fee on October 15, 2016, in the amount of $23.99, because we didn’t receive his payment on time Our records indicate his next payment is due November 15, in the amount of $Mr [redacted] may make his payment on our website, www.fingerhut.com, or in our automated system at ###-###-####, which is available hours a day, days a weekIf Mr [redacted] chooses to make a payment with an agent, the number he may call is also ###-###-####, but a fee of $may be assessed Mr***’s next statement will print on November 19, In regards to his mother’s account, we are unable to assist Mr [redacted] with the account unless he can send in proof of Power of Attorney, showing he’s been granted legal rights to manage the account on his mother’s behalfWe apologize if this is inconvenient for them, but take our customer’s privacy seriouslyIf Mr [redacted] obtains Power of Attorney, he may fax the documentation to us at ###-###-####, Attention: Account Support, or he may mail it to us at: Customer Service [redacted] StCloud, MN Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team
I am rejecting this response because:I have already filled out multiple affadavits and told them multiple times I DID use the label they providedI am ceasing all communication with Fingerhut and Bluestem Brands and will be seeking an attorneyThank you
CONFIDENTIAL COMMUNICATION May 12, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We have completed an in-depth review of Mr [redacted] ’s concerns regarding the defective shoes he receivedWe sincerely apologize for any inconvenience this may have caused As stated previously, a return is required of the defective shoes in order for Mr [redacted] ’s account to be creditedSince we have received payments on his account, his current balance is $1,If Mr [redacted] would like to place an order for another pair of shoes, his minimum payment will not increaseHe may contact our Executive Care Team at ###-###-#### to place his order and as a courtesy, we will waive the shipping and handling fees on the new order of shoes We cannot ship an order without billing Mr [redacted] ’s accountAs we have provided all the information we have available to us, we respectfully consider this matter closed Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
Full response attachedCONFIDENTIAL COMMUNICATION: Mr [redacted] states he hasn't received the credits for the item not received or the late fees he was chargedHis April statement does show the credits for the item not received - they appear as "miscellaneous adjustment"Late fees will not be credited as Mr [redacted] had other merchandise that he was responsible to make payments on before this order was placed
CONFIDENTIAL COMMUNICATION June 13, 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 does not know of a [redacted] and that the proof of payment she sent us only has her name, [redacted] , on itShe believes we typed the account number incorrectly and credited the payment to the wrong personMs [redacted] also states she doesn’t appreciate being on speaker phone with our company, in which she also heard someone at our company say “who cares” about her accountMs [redacted] requests we correct our error, credit her account, stop damaging her credit and do the right thing As previously stated, our records indicate the payment was sent to us with [redacted] Robert’s account payment stub, as attached in our previous responseWe are unable to make an exception to the policies and procedures set in place for Fingerhut, which states we are unable to move payments that are sent to us with a specific account stubAdditionally, our records indicate that [redacted] has listed the same address on his account as [redacted] ’ address We apologize that Ms [redacted] overheard a representative make an unprofessional and unkind remark while on the phone with herWe take these complaints very seriously, as it is Fingerhut’s objective to provide exceptional customer service in all interactions with our customersAny information Ms [redacted] can provide regarding this incident would be helpful to us - such as date and time of the call, and/or representative’s nameMs [redacted] may call ###-###-#### to provide this information to us, and we can further investigate this matter further As previously stated, a minimum payment of $is due by June 15, Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm
Initial Business Response / [redacted] (1000, 6, 2015/08/06) */ CONFIDENTIAL COMMUNICATION August 5, Revdex.com of Minnesota Account #: [redacted] Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, Terms and Conditions Ms [redacted] states in her complaint that she is receiving collection calls twice an hour up to ten hours per dayMs [redacted] ' desired resolution is for the calls to cease Based on the call logs associated with Ms [redacted] ' account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern TimeOur records also indicate Fingerhut never attempted to contact Ms [redacted] more than six times in a day while her account was in a delinquent status 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 Ms [redacted] ' account is in a current statusWe thank Ms [redacted] for her most recent payment of $on July 24, An updated statement will be generated on August 13, with Ms [redacted] ' new account balance and minimum payment that will be due on September 9, If Ms [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 Ms [redacted] ' 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 Ms [redacted] ' 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 Ms [redacted] ' 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 Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/08/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) They are now closing my account because of there carelessnessI have PROOF I received several calls before 8amThe point of my dispute was the constant harassing callsto receive more than one call a day or calls a day is harassmentI was receiving multiple calls every hour hrs a dayThey are clearly condoning there collection practice of harassing customersMy complaint was about harassmentThere constant harassment is a violationI have PROOF! To harass a person/customer is NOT acceptable and I will NOT bow down and accept this response from themI have calls logs too and can prove I received several calls before 8am! Now they are closing my account, and punishing me for there harassment and violationsNiceI feel I have NO choice but to escalate this and confer with an attorneyOne thing I have learnedIts not what you know, its what you can proveI CAN PROVE IT, between the recorded calls and call logs I can prove my case
CONFIDENTIAL COMMUNICATION June 26, Better Business Bureau of Minnesota # [redacted] Attn: [redacted] S River Ridge CircleBurnsville, 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 AccountPlease see attached letter(s) of response as it exceeds the 2,max character count
Initial Business Response / [redacted] (1000, 5, 2015/10/14) */ CONFIDENTIAL COMMUNICATION October 9, 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] claims that she set up recurring monthly payments to be drafted from the account on the 3rd of each month, but that two payments of $were drafted on October 4th and 5thWe sincerely apologize for this and we have credited the account $We did not draft a payment on October 3rd, and a payment of $was due by 10/5, so if we were to credit back the second $77, the account would not be currentThe account did not accrue any late fees or overdraft charges, as the account was paid by the due date of the 5th Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm
***Document Attached [redacted] (Fair-Credit-Billing.pdf)
Initial Business Response / [redacted] (1000, 5, 2015/07/09) */ CONFIDENTIAL COMMUNICATION July 8, # [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 Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] 's account indicates she placed an order for a Suncast cu.ftVertical Shed on May 28, when speaking with a representative On May 29, 2015, we were contacted by Ms [redacted] and she requested the cancellation of order # [redacted] Unfortunately, we are never able to guarantee a cancellation once the order has been placedWe received notification from our vendor that they were unable to cancel the item since it had already shipped Our records indicate that Ms [redacted] contacted us on May 9, indicating that she informed the shipping company that her order was cancelled and she refused shipment Please understand that, in addition to products shipped from Fingerhut fulfillment centers/warehouses, many of our products are shipped directly from the vendors providing them, as was the case with Ms [redacted] 's order We received notification from the vendor on July 6, that they received the return of the Vertical ShedAt that time, a credit was issued for the full item price, including shipping/handling, in the amount of $and interest charges in the amount of $These return credits will be visible on Ms [redacted] 's July 26, billing statement Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ca Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) The information provided in the response is not true, I was contacted by the shipper after canceling the order, I was contacted to arrange a shipping date, at the time of the call I advised this order was already cancelled, there nothing was shipped Nevertheless, the business has credited my account, simply owning responsibility of ignoring my multiple request via phone and email for a credit would hve been the professional way to go about it
I am rejecting this response because: The statements of facts are False.No one asked or gave any explanations as to a Do Not Call being placed on my account, nor did I ever Request suchI stated that the times fingerhut calls me, I am unavailable during those hours, I also stated repeatedly that reps can call but they will get my voicemailIn regards to the online account access, #this was placed on my account after the Christmas, in fact, in January well after speaking with several representatives and supervisors after updating my phone number, AGAIN, NO ONE INFORMED ME OF THIS DURING ANY CALLSThe mere fact that this company refuses to take responsibility for their mishaps as well as continue to falsify statements is very bias, rude, and annoyingWhen calling in after other rude incidents, I finally spoke with Brian who like other representatives, seems to not understand or comprehend wellI explained my situation, he refused to give me his manager, he stated he needed to verify the information they have and my last four of my socialI verified suchHe stated he could not assist me any further, he did not note my account as requested to state I would verify my last four just not my whole social as I do not want my credit ranBrian called at 6:am PST the very next day after I informed him of times that are good for me.The representative are rude, bias, non informed of consumers credit rightsI am not accepting this company's response due to credit violations, lies, deceptive practices, tampering with my account without my knowledge, and no resolution offered for my terrible experiencesFingerhut needs to remove the do not call placed on my account as I did not request such and have not been provided with legal documents supporting this requestI have a charge account, to charge, these reps do not disclose how they are noting customers accounts nor do customers know what is being noted, such as in this case, Brian and other representatives deceptively noted my account without informing myselfUntil apologies are given properly, addressing every issue and repeated abuse, I want this complaint to remain as unresolved and on recordMy online account access needs to be corrected and my account needs to be reimbursed for the fdcpa violationsUNRESOLVED/UNSATISFIED/FAILED TO VERIFY
CONFIDENTIAL COMMUNICATION June 15, Better Business Bureau 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 AccountPlease see attached letter(s) of response as it exceeds the 2,max character count
Initial Business Response / [redacted] (1000, 5, 2016/01/28) */ CONFIDENTIAL COMMUNICATION January 26, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate Mr [redacted] placed an order on November 17, for an Asus 15.6" HD 4GB Windows Laptop Computer, a MyPlace Laptop Workstation, a Markwins pcBeauty Train Case and an Elizabeth Arden Visible Difference Skin Care Set totaling $The balance on Mr [redacted] 's account prior to this order was $1, On November 18, and November 19, 2015, Mr [redacted] placed additional orders totaling $A systematic review is completed at the time an order is placed and based on payment history and other determining factors, an order may be approved for more than the credit limit on the accountThere are no fees charged for being over limitMr [redacted] 's orders were approved and shipped to him due to this systematic reviewWhile the systematic review will allow an order to be placed and processed initially, no further orders can be placed on the account while it is over limit We received the return of the Laptop on January 4, According to our records, Mr [redacted] indicated on the return reason form that he was returning the Laptop for credit because he did not like the productWhen the return was processed Mr [redacted] 's account was credited $Mr [redacted] also received previous credits in the amount of $and $for promotional code discountsWe have credited the original shipping and handling for the Laptop as a courtesy and the credit will be reflected on a future billing On December 9, 2015, Mr [redacted] 's monthly billing statement was sent to the address we have on file for himThe minimum payment due by January 5, was $We did not receive the payment and a late fee was assessed per the terms and conditions Mr [redacted] agreed to at the time he opened the account On January 11, Mr [redacted] spoke to an agent in our Billing Department and inquired about the LaptopThe agent advised Mr [redacted] that the Laptop had been credited and offered to take a payment to bring the account current so Mr [redacted] could reorder the LaptopMr [redacted] requested his account to be closed and the agent closed the account per Mr [redacted] 's request Mr [redacted] attempted to place an order on January 13, and on January 20, on our websiteThe orders were unable to process due to the account being closedMr [redacted] also requested no further letters or phone calls from usPer his request a Cease and Desist was placed on his accountA confirmation letter for the Cease and Desist was mailed to Mr [redacted] at the address we have on file on January 12, On January 21, a payment was received of $Since the minimum payment due was $the account is still past dueIt is important to make the minimum payment by the due date each month to avoid late fees Additionally, due to Mr [redacted] 's account being closed, we cannot place any further orders on his account and we are unable to send the Laptop We have received the faxes Mr [redacted] sent to us on January 14, and January 19, regarding this issue and we will send a copy of this letter in response directly to the address we have on file for Mr [redacted] Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION June 22, Better Business Bureau of Minnesota # [redacted] Attn: [redacted] S River Ridge CircleBurnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountIn Ms [redacted] ’s complaint, she states our website has been down for weeks, and that she is receiving an “access denied” error messageShe has tried fixes and even tried when visiting another country to access our websiteShe is requesting for us to fix the websiteAfter reviewing our records, we show she was blocked from our website This issue on our website has been fixed, and she can continue to pay her account as per usualWe will be removing the $late fee from Ms [redacted] ’s account caused by this issue and will see the credit on a future billing statementIf Ms [redacted] has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:am and 8:pm, Central Time, Monday-FridayThank you for allowing us to explain Sincerely, Vi ***Executive Care Team VF/AH
CONFIDENTIAL COMMUNICATION March 23, 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 We are sorry that Ms [redacted] was told in November of that her due date would be changedOur records indicate that on November 25, while Ms [redacted] was on the phone with a representative who agreed to change her due date, she hung up before he was able to process this changeWe advise it can take one to two billing cycles to be updated however, we show that the due date has remained the 7th of every month and has not changed There are no notes indicating a billing date change from our contact with Ms [redacted] on December 1, 2015, however the note does mention that she would be able to pay on the third of each monthAs a courtesy we have waived the last two late fees of $and $ Ms [redacted] has expressed she would like her due date later in the month, but we need to speak to her to make this changeWe attempted to contact Ms [redacted] by phone on March 23, regarding her inquiry but were unsuccessfulWe need Ms [redacted] to call us at ###-###-#### so we may assist her furtherAs a reminder, we strongly encourage our customers to make payments on our website or by phone (same day or scheduled future payments) in an effort to avoid the possibility of late payments when mailed Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm
CONFIDENTIAL COMMUNICATIONAugust 17, 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 Credit Card Account In reviewing the correspondence we have determined that the issue relates to the Haband Credit Card Account which is administered by Comenity Capital Bank Please note that Comenity Capital Bank and Haband Company are two separate entities in which Haband Company is responsible for handling matters related to sales, merchandise processing, returns and shippingAs Haband has limited visibility into a customer’s account history due to privacy regulationsComenity Capital bank is responsible for addressing all matters related to the Haband Credit card account However, in the interest to better serve our customer Haband works closely with Comenity Capital Bank to resolve any customer issues or concerns arising from their use of the Haband Credit CardTherefore, upon receiving this inquiry, we have communicated the information with Comenity Capital Bank and we understand that they are directly pursuing a response to Ms***’s concerns After receiving Comenity Capital Bank’s response, please let us know if there are any additional questions If I may be of further assistance regarding the Haband purchases, Ms [redacted] may contact me at (570) [redacted] extension ***, Monday – Friday am - pm Thank you for allowing us to explain Sincerely, Lea [redacted] Haband Customer Service Bluestem Brands, Inc
CONFIDENTIAL COMMUNICATION December 20, # [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 Ms [redacted] indicates she intended to place an order and verified that her address was missing the apartment numberMs [redacted] states she spoke with an agent that advised her someone would contact her back and took all the information for her order and the coupon codeMs [redacted] states she never received a call back and that she contacted us several times over a two week period and has not yet received credit for the coupon code or the sale pricesMs [redacted] is requesting credit for all the coupon codes and the sale prices for the items during Black Friday weekend Our records indicate Ms [redacted] placed an order on September 26, for a NinCoffee BarAt the time the order was placed a promotion code was used for 10% off the cash price of the itemThe order was placed on our website and was shipped to the address Ms [redacted] entered when she placed the orderMs [redacted] contacted us on October 11, and advised us she did not receive the orderThe agent updated Ms [redacted] ’s address per her requestAn “affidavit of merchandise not received” was sent to Ms [redacted] and upon receiving the completed affidavit we completed our investigation and credit was issued in the amount of $to her account On November 23, Ms [redacted] contacted us regarding her address and since additional verification was needed before the change of address could be completed the agent referred a message to our Fraud DepartmentWhen our Fraud Department attempted to contact Ms [redacted] on November 25, at the phone number she provided, the agent got a recording that the phone number was disconnectedA letter was sent to the address we had on file for Ms [redacted] the same day On November 30, Ms [redacted] contacted us again to place her order, however, since the additional verification had not yet been completed the agent transferred Ms [redacted] to our Fraud DepartmentSince our intitial attempts to verify Ms [redacted] at the updated address were unsuccessful, we requested Ms [redacted] to send additional information to verify the change of addressWe received the documentation needed to complete the change of address the same day and the address was updated When Ms [redacted] attempted to place the order with an agent, however, due to the length of time that had passed, the prices on some of the items and some of the coupon codes were no longer validThe agent referred a message to a specialist and requested the promotion code to be applied for the NinCoffee BarThis discount of 10% was applied to the new order of the NinBar placed on November 30, per Ms [redacted] ’s request Please understand, it is the responsibility of our customer to ensure we have the correct contact information on their account to avoid delaysAdditionally, only one promotion code may be used per orderSince Ms [redacted] received the discount on the NinCoffee Bar of $26.00, as a courtesy, we will honor one additional promotion code to be used on the orderSince the amount of the shipping and handling credit was a bigger benefit to Ms [redacted] than the $off an order of $or more we have issued credit for the shipping and handling charges of $on Ms [redacted] ’s orderWe also honored the price difference on the pillows Ms [redacted] ordered due to the sale price during Black Friday which resulted in $credit being issued for each of the two pillowsThe credits issued on Ms [redacted] ’s account will be reflected on a future billing statementNo other items ordered by Ms [redacted] were discounted during our Black Friday sale timeframe 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] ’s expectations If Ms [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:AM – 8:PM CT Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
We are not able to locate a prospective account with the given information, can you please submit the c
r from the back of the catalog you are receiving? Thank you ***copied and pasted from email
Comenity Bank Owns and Operates our Blair credit card accountsThey will be responding directly to the customer on our behalfAttached is their Response
CONFIDENTIAL COMMUNICATION May 25, 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 a WebBank/Fingerhut credit accountWe have included the account activity, credit application, Terms and Conditions and the last three monthly statements Ms [redacted] states that Fingerhut is reporting a credit account which is not hersMs***’s desired resolution is to have trade line deleted from her credit report Our records indicate that on February 15, 2007, an application was processed online with Ms***’s personally identifiable informationOn March 30, an order was placed with online for a pc Pink Milano EVA LuggageThe merchandise was shipped April 2, via FedEx to the same address as provided on the applicationThe last order, totaling $44.94, was placed on August 30, We have received multiple payments on this account from checking accounts ending in 5883, and The name associated with all of the accounts is [redacted] ***The last payment, totaling $22.99, was received on September 9, No further payments were receivedThe unpaid balance of $charged off on March 13, and the account was sold to Midland Credit Management on January 31, Based on our research, we received four credit bureau disputes though the credit bureaus, since the account was sold, in which we responded directly to the bureaus on January and 22, 2015, April and May 2, Equifax and Trans Union are accurately reporting the account as Transferred/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 Ms***’s Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well If Ms [redacted] has questions about what Midland Credit Management may be reporting, she must contact them directly at ###-###-#### We referred Ms***’s correspondence to our Credit Risk Department for further reviewIn order to continue processing a claim of fraudulent account opening, we ask that she complete and return the unordered merchandise affidavit we have sent directly to [redacted] ***, Las Vegas, Nevada on May 25, We also ask that Ms [redacted] file a police report and send both copies to the following address: Fingerhut Attn: Fraud Department [redacted] StCloud, MN Ms [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 Ms [redacted] has further questions or concerns during the process, she may contact the Fraud Department at ###-###-####Their hours are Monday – Friday 8:00am – 6:00pm Central Time Thank you for the opportunity to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
CONFIDENTIAL COMMUNICATION November 14, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut Advantage Credit Account for [redacted] *** Mr [redacted] states that he and his mother each placed one order from Fingerhut, and that he’s been receiving calls about the account being past dueHe also states that the monthly payment has doubled on both his purchase and his mothersMr [redacted] also states that he has not been allowed to talk to someone about his mother’s account, even though he assists her with her bills In regards to Mr***’s account, our records indicate he placed an order on August 23, 2016, for a GPX 32” LED TVA statement was printed on September 16, and sent to Mr [redacted] indicating his minimum payment due was $and it was due on October 15, We did not receive a payment until October 31, The payment was for $23.99, but was received sixteen days after the due date A second statement was printed on October 19, 2016, indicating the Mr***’s minimum amount due was now $and due by November 15, This is because we did not receive the October payment by the due dateWhen the November statement was created, the minimum amount due included both October and November’s amount due Mr***’s account was assessed a late fee on October 15, 2016, in the amount of $23.99, because we didn’t receive his payment on time Our records indicate his next payment is due November 15, in the amount of $Mr [redacted] may make his payment on our website, www.fingerhut.com, or in our automated system at ###-###-####, which is available hours a day, days a weekIf Mr [redacted] chooses to make a payment with an agent, the number he may call is also ###-###-####, but a fee of $may be assessed Mr***’s next statement will print on November 19, In regards to his mother’s account, we are unable to assist Mr [redacted] with the account unless he can send in proof of Power of Attorney, showing he’s been granted legal rights to manage the account on his mother’s behalfWe apologize if this is inconvenient for them, but take our customer’s privacy seriouslyIf Mr [redacted] obtains Power of Attorney, he may fax the documentation to us at ###-###-####, Attention: Account Support, or he may mail it to us at: Customer Service [redacted] StCloud, MN Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team
I am rejecting this response because:I have already filled out multiple affadavits and told them multiple times I DID use the label they providedI am ceasing all communication with Fingerhut and Bluestem Brands and will be seeking an attorneyThank you
CONFIDENTIAL COMMUNICATION May 12, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We have completed an in-depth review of Mr [redacted] ’s concerns regarding the defective shoes he receivedWe sincerely apologize for any inconvenience this may have caused As stated previously, a return is required of the defective shoes in order for Mr [redacted] ’s account to be creditedSince we have received payments on his account, his current balance is $1,If Mr [redacted] would like to place an order for another pair of shoes, his minimum payment will not increaseHe may contact our Executive Care Team at ###-###-#### to place his order and as a courtesy, we will waive the shipping and handling fees on the new order of shoes We cannot ship an order without billing Mr [redacted] ’s accountAs we have provided all the information we have available to us, we respectfully consider this matter closed Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
Full response attachedCONFIDENTIAL COMMUNICATION: Mr [redacted] states he hasn't received the credits for the item not received or the late fees he was chargedHis April statement does show the credits for the item not received - they appear as "miscellaneous adjustment"Late fees will not be credited as Mr [redacted] had other merchandise that he was responsible to make payments on before this order was placed
CONFIDENTIAL COMMUNICATION June 13, 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 does not know of a [redacted] and that the proof of payment she sent us only has her name, [redacted] , on itShe believes we typed the account number incorrectly and credited the payment to the wrong personMs [redacted] also states she doesn’t appreciate being on speaker phone with our company, in which she also heard someone at our company say “who cares” about her accountMs [redacted] requests we correct our error, credit her account, stop damaging her credit and do the right thing As previously stated, our records indicate the payment was sent to us with [redacted] Robert’s account payment stub, as attached in our previous responseWe are unable to make an exception to the policies and procedures set in place for Fingerhut, which states we are unable to move payments that are sent to us with a specific account stubAdditionally, our records indicate that [redacted] has listed the same address on his account as [redacted] ’ address We apologize that Ms [redacted] overheard a representative make an unprofessional and unkind remark while on the phone with herWe take these complaints very seriously, as it is Fingerhut’s objective to provide exceptional customer service in all interactions with our customersAny information Ms [redacted] can provide regarding this incident would be helpful to us - such as date and time of the call, and/or representative’s nameMs [redacted] may call ###-###-#### to provide this information to us, and we can further investigate this matter further As previously stated, a minimum payment of $is due by June 15, Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm
Initial Business Response / [redacted] (1000, 6, 2015/08/06) */ CONFIDENTIAL COMMUNICATION August 5, Revdex.com of Minnesota Account #: [redacted] Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to an inquiry received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, Terms and Conditions Ms [redacted] states in her complaint that she is receiving collection calls twice an hour up to ten hours per dayMs [redacted] ' desired resolution is for the calls to cease Based on the call logs associated with Ms [redacted] ' account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern TimeOur records also indicate Fingerhut never attempted to contact Ms [redacted] more than six times in a day while her account was in a delinquent status 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 Ms [redacted] ' account is in a current statusWe thank Ms [redacted] for her most recent payment of $on July 24, An updated statement will be generated on August 13, with Ms [redacted] ' new account balance and minimum payment that will be due on September 9, If Ms [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 Ms [redacted] ' 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 Ms [redacted] ' 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 Ms [redacted] ' 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 Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/08/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) They are now closing my account because of there carelessnessI have PROOF I received several calls before 8amThe point of my dispute was the constant harassing callsto receive more than one call a day or calls a day is harassmentI was receiving multiple calls every hour hrs a dayThey are clearly condoning there collection practice of harassing customersMy complaint was about harassmentThere constant harassment is a violationI have PROOF
! To harass a person/customer is NOT acceptable and I will NOT bow down and accept this response from themI have calls logs too and can prove I received several calls before 8am! Now they are closing my account, and punishing me for there harassment and violationsNiceI feel I have NO choice but to escalate this and confer with an attorneyOne thing I have learnedIts not what you know, its what you can proveI CAN PROVE IT, between the recorded calls and call logs I can prove my case