CONFIDENTIAL COMMUNICATIONApril 28, Revdex.com of Minnesota Attn: [redacted] S River Ridge CircleBurnsville, MN 55337Re: Case # [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.The account Ms [redacted] is referring to does not reflect that she is the account-holderIn the interest of customer confidentiality, we will send a response directly to the customer.Thank you for allowing us to explain.Sincerely,Vi ***Executive Care TeamVF/jm
Initial Business Response / [redacted] (1000, 5, 2015/07/16) */ CONFIDENTIAL COMMUNICATION July 16, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We regret to learn of the problem Ms [redacted] has experienced with the Captain's Bed with Trundle & Storage Drawers that she purchased on September 26, A two-year Extended Service Plan (ESP) was also purchased for additional coverage on itThe ESP provider is National Extended Warranty (NEW) We recently obtained records of the interactions that NEW has had with Ms [redacted] regarding the bedThey advised that Ms [redacted] telephoned on July 7, notifying that the manufacturer warranty provider was unable to assist herFor this reason, NEW opened a claim under Ms***'s plan as it is currently in effect and eligible for claims processingMs [redacted] was advised to provide them a photo of the bed to be used in determining the eligibility of her claim She next telephoned them on July 15, as to the status of her claim, and the agent advised that it was still pending and awaiting the photo that was previously requested Ms [redacted] should continue to work with NEW in this matter, as the bed can no longer be returned to us for being beyond the maximum 90-day timeframe of our return policyWe appreciate her patience and ongoing cooperation with NEW Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this response simply because if something is sold that is poorly made and it is endangering a child, the company should honor the fact that a replacement is deemed necessaryAs I said before, I'm not trying to take away business from anyone, I just want restitution for the unjustifiable situation that I am facingI am in fact working with NEW but as I stated before, if there is no one to help me and I'm continuously getting the runaround, some actions need to take place as a valued customer Final Business Response / [redacted] (4000, 9, 2015/07/27) */ CONFIDENTIAL COMMUNICATION July 27, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] *** Ms [redacted] is a valued customer and we realize the frustration associated with the situation Please understand that applying policies consistently and fairly to all customers is among our top prioritiesAs stated in our previous response, the warranty claim on Ms***'s Captain's Bed is being administered by National Extended WarrantyThis is because it did not meet the terms of our return policy (after 90-day return period) Our return policy is being applied to Ms [redacted] the same as it would for any other customer with similar circumstances As all aspects of Ms***'s claim are now entirely within the confines of the warranty provider and beyond our purview, we consider this matter closed; Ms***'s best recourse is to continue working with NEW Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah
I am rejecting this response because: I did not receive the product, I told there customer service rep I would pay because I felt I had no other choice and I thought it eventually was a mistake they corrected since I did not receive anything besides phone calls about how to pay my billI moved from [redacted] in June of I did not receive any product in that timeAlso, there were teenagers living on the second floor of [redacted] and could of been stolen by one of them , so if your tracking is saying it was delivered but I never received anything I'm supposed to pay this debt because you have confirmation that you dropped the TV off on a porch without having any proper signature confirming the delivery? I must have had to sign something for the delivery guy and I never spoke to one so I don't know how thats confirmedI then didnt receive any Phone calls from them when I moved and my number never changed, again I thought it was settled due to no contact with me and never receiving the productI only just found out when the case got moved to get handle by another party and then received and phone call and then reached out to Revdex.com
Initial Business Response / [redacted] (1000, 5, 2015/09/03) */ CONFIDENTIAL COMMUNICATION September 2, Revdex.com of Minnesota 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 credit inquiry reflecting on her credit report In Ms***'s complaint, she states that there is a fraudulent inquiry on her credit reportMs [redacted] further states, that she has not been able to get legal documentation to prove the inquiry is not hersMs***'s desired resolution is to have the inquiry removed from her credit report immediately Based on our research, we were unable to locate any inquiries based on Ms***'s personally identifiable information In order to locate the inquiry Ms [redacted] is referring to, and to further investigate her claim, more information will be necessaryPlease have Ms [redacted] provide a copy of her credit report showing the inquiry Ms [redacted] can contact the Fingerhut Executive Care Team with the necessary information, by mail: Fingerhut Attn: Executive Care Team [redacted] StCloud, MN Or fax the information to [redacted] Attention: Executive Care Team Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) There is an inquiry on my credit file: WEBBANK/FINGERHUT [redacted] EDEN PRAIRIE, MN (800) [redacted] Requested On: 08/05/ Inquiry Type: Individual This is not minePlease remove Final Business Response / [redacted] (4000, 9, 2015/09/10) */ September 10, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to a second inquiry received from your office on behalf of Ms [redacted] regarding a credit inquiry reflecting on her credit report In Ms***'s response to our request, she states the date of the fraudulent inquiry on her credit report occurred on August 5, Ms***'s desired resolution is to have the inquiry removed from her credit report immediately Based on our research, given the above date of August 5, 2013, we were able to locate an inquiry based on the date and Ms***'s first and last name Our records indicate we received an application for credit on August 5, The application was processed via the internetThe name on the application is the same one Ms [redacted] provided when contacting us regarding this issueThe application was denied As Ms [redacted] denies authorizing the credit application matching her personally identifiable information, we referred these matters to our Credit Risk Department for further reviewA copy of the application is enclosed for your reference As a result of their investigation, the inquiry on Ms***'s credit report was referred to Equifax Credit Services, TransUnion L.L.C., and Experian Information Solutions, Incfor removal; please allow 60-days for the information to be removedAdditionally, Ms [redacted] 's information has been marked for our system to instantly recognize, flag, and block similar attempts in the future, should they occur Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosure
CONFIDENTIAL COMMUNICATIONApril 4, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge CircleBurnsville, MN 55337Re: 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.Our records indicate Ms [redacted] purchased a HP Pavilion 11.6" Touch Screen 4GB Convertible Laptop – Silver on November 9, for $On January 28, Ms [redacted] returned the laptop back to Fingerhut for creditThe full merchandise price in the amount of $plus the tax amount of $was credited on that same date However, as our return policy states, “the original shipping/handling is nonrefundable on returned merchandise if the item is not damaged, defective, or in the case of a shipping error.” Ms [redacted] was required to pay for the original shipping/handling of $Likewise, a return postage fee of $was deducted from the credit because it was sent back to us for a “non-qualifying” reasonMs [redacted] did not specify the reason for the returnOn March 7, 2016, as a one-time courtesy to Ms***, the return shipping as [redacted] as the return postage fee was credited to her accountThis created a credit of $A refund check for that amount was mailed to Ms [redacted] address ( [redacted] Corona, CA 92880) on March 8, From that date, she should allow up to business days to receive the checkIf Ms [redacted] has not received the check at this time, she should contact Customer Service at ###-###-#### Monday through Friday 8AM-8PM.Thank you for allowing us to explain.Sincerely,Vi ***Executive Care Team VF/KS
I am rejecting this response because: I have enclosed my paperwork showing that it stated that payment was not due until Feb payment was made in oct I again ask that the late charges be waived and the interest be updated and the credit reporting report current and updated thank you,
I am rejecting this response because:My husband and I have spoken with one someone we are dealing with regarding our issue that we are dealing withWe are just waiting on that person to contact us directly
CONFIDENTIAL COMMUNICATION August 1, 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 your request to have your $down payment refunded to you, since you returned the item you ordered Our records indicate you were charged $in total for that order, which breaks down into $for the price of the item, $for shipping and handling and $for tax When you returned the item, you were credited $dollars, which is the combination of the price of the item, and taxYour account was not credited for the original shipping and handling, which is in accordance with our Return Policy Our Return Policy states, in part: We will issue an exchange or refund for most items returned in new condition within days of receiptReturns will not be accepted for credit after daysOther product concerns must be handled under the manufacturer’s warrantyShipping and handling charges are non-refundableReturn postage is the responsibility of the customerThe shipping and handling amount of $remained on your account as a balanceSince the $down payment is applied to the account as a payment, it fulfilled the $balance, and as such, is non-refundable The remaining $was written off, so a retry account could be establishedThat account is available to you to use, however, you will need to make a new down-payment if you choose to place an order on it Thank you for this opportunity to explain Sincerely, Vi [redacted] Executive Care Team Fingerhut Customer Service
I am rejecting this response because: I appreciate Gettington update on progressUnfortunately the police department does not issue paper formatIf anything else is needed from me let me knowIf not I hope to here either way
CONFIDENTIAL COMMUNICATION October 9, # [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 In Ms [redacted] ’ inquiry she indicates she has requested to be removed from our mailing lists and that she not receive any paper correspondence from usMs [redacted] states she received a letter from us advising her of a recent credit limit increaseMs [redacted] is requesting to no longer receive credit limit increase letters and to be notified why her privacy request is not being followed Our records indicate, Ms [redacted] was removed from our email list on January 10, per her requestOn May 31, we removed Ms [redacted] from our calling list and a request was referred to have Ms [redacted] removed from receiving letters advising her of credit line increasesAt this time, when a credit line increase review is completed and results in an increase in the credit line of an account a letter is automatically sentThe only way to stop the credit line increase letters from being sent is for Ms [redacted] to opt-out of credit line reviewsWhen an opt-out is requested the credit limit on the account is frozen If Ms [redacted] would like to opt-out of credit line reviews she may contact our Credit Department by calling ###-###-####, Monday – Friday, 8:AM – 8:PM CT On September 26, Ms [redacted] spoke to an agent by phone and per her request the agent ensured that Ms [redacted] was removed from all contact lists by phone, email and mail from our affiliates, marketing partners and from FingerhutWe will still contact Ms [redacted] when applicable in writing as required by lawPlease understand some of our mailings are pre-printed 8-weeks in advance and Ms [redacted] should allow the allotted time frame for all other mailings to stop completely Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because: It is there way of basically getting out of making a situation resolved they are basically saying that they refuse to do anything for me and I must continue to pay full amount on something that is non usuable in addition they claim that it has a day warranty well would nov to nov be about a year so that means there still was a warranty at the time in addition to this as for the repair kit it is not permitted since it has no leak it has a bad stem that is a non repairable item per the manufacturer I fufilled all the steps and attempted multiple times to make it right allIm asking is for them to do the same which it seems they will not do Anything which can be done would be appreciated Thank you [redacted]
Initial Business Response / [redacted] (1000, 8, 2015/08/10) */ CONFIDENTIAL COMMUNICATION August 10, # [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 AccountWe sincerely apologize for any difficulty Mr [redacted] experienced as a result of the issue outlined in the inquiry Our investigation confirms that Mr [redacted] placed an order on July 4, for a MasterCraft Convertible Electric Trimmer & Edger and two (2) packages of Heat and Drought Grass SeedThe total cost of the order was $Mr [redacted] paid this order in full with the $payment he made on July 14, On July 16, 2015, he placed a new order for a Boss DVD Bluetooth Car Stereo with 7-inch Touch ScreenBecause the total cost exceeded Mr [redacted] 's credit limit, he paid the overage of $with a credit cardIt was shipped the next day on July 17, On the same date, our Credit Risk Department attempted to cancel the order for the stereo, but could not stop it in timeA request was made to the shipping carrier, United Parcel Service (UPS), to have the stereo returned to senderUPS received our notification on July 20, and proceeded to send it back to us The Credit Risk Department policy is such that when a customer is in the status category of "new" and makes a large payment of $or more, they will put a hold on the account for daysThis is a precautionary measure to ensure that the large payment clears the bankIf there is a new order that exceeds the credit limit while this hold is in effect, they will cancel the order or request the return of the package if it has already been shipped This was the case with Mr [redacted] 's order as it met all of the above criteria (despite his credit card payment covering the amount exceeding his credit limit) Mr [redacted] received full credit for the stereo, including the Express shipping/handling charge, when it was returned to us on July 28, On the same date, an electronic refund of $was issued back to his MasterCard ending '3140'This should have already posted as a credit back to his card; if not, he should allow a few more days for it to process Our records indicate that a Credit Risk agent advised Mr [redacted] by phone of these reasons for the intercepted package on July 23, While we understand this process may be a frustrating inconvenience to our customers, it remains a necessary service and precaution that is intended for their protection, as well as our ownWe again apologize for any inconvenience this may have caused Mr [redacted] As the payment Mr [redacted] made on his account cleared, the hold has been removedMr [redacted] is now able to repurchase the Boss DVD Bluetooth Car Stereo with 7-inch Touch Screen should he wish to Thank you for the opportunity to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (2000, 10, 2015/08/21) */
CONFIDENTIAL COMMUNICATION March 16, # [redacted] Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Cir Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our investigation confirms that Ms [redacted] purchased a MyHome Tall Wine Cabinet on August 22, On September 24, 2013, she contacted us regarding missing parts to the cabinet, and the phone agent sent a shipping label to her 'c [redacted] @yahoo.com' email so she could return the item However, we never received the return and did not hear from Ms [redacted] until several months later when our Billing/Recovery Department made contact regarding her past due balanceBy this time, the item could no longer be returned as the day timeframe allowed by our return policy had already passed, and Ms [redacted] resumed payments on it as of April She paid the balance in full with the final payment received on December 31, We have received and responded to all of the disputes Ms [redacted] filed with the credit bureaus regarding this matter and her Fingerhut accountThe determination made for each was that we had reported her account accurately and no changes and/or deletion of the trade-line would be made On October 12, 2015, we received an email from Ms [redacted] requesting that we close her account, and delete the associated credit reporting fileWe replied on the same date that her account had been closed per her requestHowever, it was not closed due to an oversight on our part, for which we sincerely apologizeHer account was closed upon receipt of this inquiry In regards to her credit reporting, we maintain that her account was correctly reported to the bureaus and that it cannot be changed or deleted as we are required to furnish accurate reporting in accord with the Fair Credit Report Act Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah
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 Still will not shop with them in the future Thank You ***
CONFIDENTIAL COMMUNICATION March 1, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Mr***, I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut Advantage Credit Account for Ms [redacted] Ms [redacted] states she returned her entire order, two shirts and one coat, for size-related reasons, but was told we did not receive the coatShe was further told she would be sent a form regarding this issue to fill out and send back to us; she states she never received it, and still did not receive it after requesting it several more timesAs her desired resolution, Ms [redacted] states: “To finally exchange the coat.” We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issuesIn the interest of confidentiality, we have attached our response for the consumer to reviewSincerely, Vi ***Executive Care TeamVF/ah
CONFIDENTIAL COMMUNICATION April 14, # [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 her son’s WebBank/Fingerhut Advantage Credit Account In order for us to discuss pertinent account information with Ms [redacted] we are requesting a copy of the Power of AttorneyTo expedite, Ms [redacted] may fax the P.O.Ato ###-###-#### Attn: Becky or by regular mail to [redacted] StCloud, MN Due to no Power of Attorney being on file we are sending a response directly to the account holder Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION March 24, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountOur records indicate an order was placed on February 25, which included the Hamptons Bathroom Floor Standing Storage Cabinet, Style Station, Suncast Patio Storage Bench, Pregnancy Warning Metallic Wall Art and the Crystal Art Beer/Coincidence Wall ArtThe billing and shipping address on this order was [redacted] Washington, DCAfter the order was placed, Ms [redacted] contacted us to cancel the order due to a change in her billing and shipping addressThe cancellation was completed and a new order was placed with her updated billing and shipping addressAs part of our order processing, our Credit Risk Department reviews orders to ensure proper validation and verification occurs prior to the order shippingSince the change of address was completed at the time of the order being placed our Credit Risk Department was unable to validate Ms [redacted] at the new address which resulted in her order(s) being cancelledThe order for the Hamptons Bathroom Floor Standing Storage Cabinet has been placed per Ms***’s requestAs a courtesy we will honor the price Ms [redacted] was originally charged for the Storage CabinetWe will also honor the promotion code discount of $and the original shipping and handling charge of $Please allow up to two billing cycles for the credits to appear on the monthly billing statement Please note express shipping does not apply for this item due to its weight We are sorry for the inconvenienceThe expected delivery date of the Storage Cabinet is April 4, We appreciate Ms***’s patience and thank you for allowing us to assist and explainSincerely, Vi [redacted] Executive Care Team VF/bw [redacted]
I am accepting the result (cancellation and no charge) but I am rejecting their argument that I knowingly entered into this contract to get enrolled in this program.Their advertisement was very nasty They know how to entrap customers in clicking the icon to enroll them in an expensive program without even noticing the details of the program They entice customers with deceptive tactics They should change this business practice I demand that they conduct more ethical business practice and request their apology
I am rejecting this response because: even though late charges were assessed totaling in late fees and in payments since June my balance should be No payments have been appliedPay and is charged for late fees the is appliedThey are only assesing late charges they ARENT applying my payments!!!!!!
CONFIDENTIAL COMMUNICATIONApril 28, Revdex.com of Minnesota Attn: [redacted] S River Ridge CircleBurnsville, MN 55337Re: Case # [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.The account Ms [redacted] is referring to does not reflect that she is the account-holderIn the interest of customer confidentiality, we will send a response directly to the customer.Thank you for allowing us to explain.Sincerely,Vi ***Executive Care TeamVF/jm
Initial Business Response / [redacted] (1000, 5, 2015/07/16) */ CONFIDENTIAL COMMUNICATION July 16, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We regret to learn of the problem Ms [redacted] has experienced with the Captain's Bed with Trundle & Storage Drawers that she purchased on September 26, A two-year Extended Service Plan (ESP) was also purchased for additional coverage on itThe ESP provider is National Extended Warranty (NEW) We recently obtained records of the interactions that NEW has had with Ms [redacted] regarding the bedThey advised that Ms [redacted] telephoned on July 7, notifying that the manufacturer warranty provider was unable to assist herFor this reason, NEW opened a claim under Ms***'s plan as it is currently in effect and eligible for claims processingMs [redacted] was advised to provide them a photo of the bed to be used in determining the eligibility of her claim She next telephoned them on July 15, as to the status of her claim, and the agent advised that it was still pending and awaiting the photo that was previously requested Ms [redacted] should continue to work with NEW in this matter, as the bed can no longer be returned to us for being beyond the maximum 90-day timeframe of our return policyWe appreciate her patience and ongoing cooperation with NEW Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this response simply because if something is sold that is poorly made and it is endangering a child, the company should honor the fact that a replacement is deemed necessaryAs I said before, I'm not trying to take away business from anyone, I just want restitution for the unjustifiable situation that I am facingI am in fact working with NEW but as I stated before, if there is no one to help me and I'm continuously getting the runaround, some actions need to take place as a valued customer Final Business Response / [redacted] (4000, 9, 2015/07/27) */ CONFIDENTIAL COMMUNICATION July 27, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] *** Ms [redacted] is a valued customer and we realize the frustration associated with the situation Please understand that applying policies consistently and fairly to all customers is among our top prioritiesAs stated in our previous response, the warranty claim on Ms***'s Captain's Bed is being administered by National Extended WarrantyThis is because it did not meet the terms of our return policy (after 90-day return period) Our return policy is being applied to Ms [redacted] the same as it would for any other customer with similar circumstances As all aspects of Ms***'s claim are now entirely within the confines of the warranty provider and beyond our purview, we consider this matter closed; Ms***'s best recourse is to continue working with NEW Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah
I am rejecting this response because: I did not receive the product, I told there customer service rep I would pay because I felt I had no other choice and I thought it eventually was a mistake they corrected since I did not receive anything besides phone calls about how to pay my billI moved from [redacted] in June of I did not receive any product in that timeAlso, there were teenagers living on the second floor of [redacted] and could of been stolen by one of them , so if your tracking is saying it was delivered but I never received anything I'm supposed to pay this debt because you have confirmation that you dropped the TV off on a porch without having any proper signature confirming the delivery? I must have had to sign something for the delivery guy and I never spoke to one so I don't know how thats confirmedI then didnt receive any Phone calls from them when I moved and my number never changed, again I thought it was settled due to no contact with me and never receiving the productI only just found out when the case got moved to get handle by another party and then received and phone call and then reached out to Revdex.com
Initial Business Response / [redacted] (1000, 5, 2015/09/03) */ CONFIDENTIAL COMMUNICATION September 2, Revdex.com of Minnesota 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 credit inquiry reflecting on her credit report In Ms***'s complaint, she states that there is a fraudulent inquiry on her credit reportMs [redacted] further states, that she has not been able to get legal documentation to prove the inquiry is not hersMs***'s desired resolution is to have the inquiry removed from her credit report immediately Based on our research, we were unable to locate any inquiries based on Ms***'s personally identifiable information In order to locate the inquiry Ms [redacted] is referring to, and to further investigate her claim, more information will be necessaryPlease have Ms [redacted] provide a copy of her credit report showing the inquiry Ms [redacted] can contact the Fingerhut Executive Care Team with the necessary information, by mail: Fingerhut Attn: Executive Care Team [redacted] StCloud, MN Or fax the information to [redacted] Attention: Executive Care Team Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) There is an inquiry on my credit file: WEBBANK/FINGERHUT [redacted] EDEN PRAIRIE, MN (800) [redacted] Requested On: 08/05/ Inquiry Type: Individual This is not minePlease remove Final Business Response / [redacted] (4000, 9, 2015/09/10) */ September 10, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Ms [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to a second inquiry received from your office on behalf of Ms [redacted] regarding a credit inquiry reflecting on her credit report In Ms***'s response to our request, she states the date of the fraudulent inquiry on her credit report occurred on August 5, Ms***'s desired resolution is to have the inquiry removed from her credit report immediately Based on our research, given the above date of August 5, 2013, we were able to locate an inquiry based on the date and Ms***'s first and last name Our records indicate we received an application for credit on August 5, The application was processed via the internetThe name on the application is the same one Ms [redacted] provided when contacting us regarding this issueThe application was denied As Ms [redacted] denies authorizing the credit application matching her personally identifiable information, we referred these matters to our Credit Risk Department for further reviewA copy of the application is enclosed for your reference As a result of their investigation, the inquiry on Ms***'s credit report was referred to Equifax Credit Services, TransUnion L.L.C., and Experian Information Solutions, Incfor removal; please allow 60-days for the information to be removedAdditionally, Ms [redacted] 's information has been marked for our system to instantly recognize, flag, and block similar attempts in the future, should they occur Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosure
CONFIDENTIAL COMMUNICATIONApril 4, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge CircleBurnsville, MN 55337Re: 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.Our records indicate Ms [redacted] purchased a HP Pavilion 11.6" Touch Screen 4GB Convertible Laptop – Silver on November 9, for $On January 28, Ms [redacted] returned the laptop back to Fingerhut for creditThe full merchandise price in the amount of $plus the tax amount of $was credited on that same date However, as our return policy states, “the original shipping/handling is nonrefundable on returned merchandise if the item is not damaged, defective, or in the case of a shipping error.” Ms [redacted] was required to pay for the original shipping/handling of $Likewise, a return postage fee of $was deducted from the credit because it was sent back to us for a “non-qualifying” reasonMs [redacted] did not specify the reason for the returnOn March 7, 2016, as a one-time courtesy to Ms***, the return shipping as [redacted] as the return postage fee was credited to her accountThis created a credit of $A refund check for that amount was mailed to Ms [redacted] address ( [redacted] Corona, CA 92880) on March 8, From that date, she should allow up to business days to receive the checkIf Ms [redacted] has not received the check at this time, she should contact Customer Service at ###-###-#### Monday through Friday 8AM-8PM.Thank you for allowing us to explain.Sincerely,Vi ***Executive Care Team VF/KS
I am rejecting this response because: I have enclosed my paperwork showing that it stated that payment was not due until Feb payment was made in oct I again ask that the late charges be waived and the interest be updated and the credit reporting report current and updated thank you,
I am rejecting this response because:My husband and I have spoken with one someone we are dealing with regarding our issue that we are dealing withWe are just waiting on that person to contact us directly
CONFIDENTIAL COMMUNICATION August 1, 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 your request to have your $down payment refunded to you, since you returned the item you ordered Our records indicate you were charged $in total for that order, which breaks down into $for the price of the item, $for shipping and handling and $for tax When you returned the item, you were credited $dollars, which is the combination of the price of the item, and taxYour account was not credited for the original shipping and handling, which is in accordance with our Return Policy Our Return Policy states, in part: We will issue an exchange or refund for most items returned in new condition within days of receiptReturns will not be accepted for credit after daysOther product concerns must be handled under the manufacturer’s warrantyShipping and handling charges are non-refundableReturn postage is the responsibility of the customerThe shipping and handling amount of $remained on your account as a balanceSince the $down payment is applied to the account as a payment, it fulfilled the $balance, and as such, is non-refundable The remaining $was written off, so a retry account could be establishedThat account is available to you to use, however, you will need to make a new down-payment if you choose to place an order on it Thank you for this opportunity to explain Sincerely, Vi [redacted] Executive Care Team Fingerhut Customer Service
I am rejecting this response because: I appreciate Gettington update on progressUnfortunately the police department does not issue paper formatIf anything else is needed from me let me knowIf not I hope to here either way
CONFIDENTIAL COMMUNICATION October 9, # [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 In Ms [redacted] ’ inquiry she indicates she has requested to be removed from our mailing lists and that she not receive any paper correspondence from usMs [redacted] states she received a letter from us advising her of a recent credit limit increaseMs [redacted] is requesting to no longer receive credit limit increase letters and to be notified why her privacy request is not being followed Our records indicate, Ms [redacted] was removed from our email list on January 10, per her requestOn May 31, we removed Ms [redacted] from our calling list and a request was referred to have Ms [redacted] removed from receiving letters advising her of credit line increasesAt this time, when a credit line increase review is completed and results in an increase in the credit line of an account a letter is automatically sentThe only way to stop the credit line increase letters from being sent is for Ms [redacted] to opt-out of credit line reviewsWhen an opt-out is requested the credit limit on the account is frozen If Ms [redacted] would like to opt-out of credit line reviews she may contact our Credit Department by calling ###-###-####, Monday – Friday, 8:AM – 8:PM CT On September 26, Ms [redacted] spoke to an agent by phone and per her request the agent ensured that Ms [redacted] was removed from all contact lists by phone, email and mail from our affiliates, marketing partners and from FingerhutWe will still contact Ms [redacted] when applicable in writing as required by lawPlease understand some of our mailings are pre-printed 8-weeks in advance and Ms [redacted] should allow the allotted time frame for all other mailings to stop completely Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because: It is there way of basically getting out of making a situation resolved they are basically saying that they refuse to do anything for me and I must continue to pay full amount on something that is non usuable in addition they claim that it has a day warranty well would nov to nov be about a year so that means there still was a warranty at the time in addition to this as for the repair kit it is not permitted since it has no leak it has a bad stem that is a non repairable item per the manufacturer I fufilled all the steps and attempted multiple times to make it right allIm asking is for them to do the same which it seems they will not do Anything which can be done would be appreciated Thank you [redacted]
Initial Business Response / [redacted] (1000, 8, 2015/08/10) */ CONFIDENTIAL COMMUNICATION August 10, # [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 AccountWe sincerely apologize for any difficulty Mr [redacted] experienced as a result of the issue outlined in the inquiry Our investigation confirms that Mr [redacted] placed an order on July 4, for a MasterCraft Convertible Electric Trimmer & Edger and two (2) packages of Heat and Drought Grass SeedThe total cost of the order was $Mr [redacted] paid this order in full with the $payment he made on July 14, On July 16, 2015, he placed a new order for a Boss DVD Bluetooth Car Stereo with 7-inch Touch ScreenBecause the total cost exceeded Mr [redacted] 's credit limit, he paid the overage of $with a credit cardIt was shipped the next day on July 17, On the same date, our Credit Risk Department attempted to cancel the order for the stereo, but could not stop it in timeA request was made to the shipping carrier, United Parcel Service (UPS), to have the stereo returned to senderUPS received our notification on July 20, and proceeded to send it back to us The Credit Risk Department policy is such that when a customer is in the status category of "new" and makes a large payment of $or more, they will put a hold on the account for daysThis is a precautionary measure to ensure that the large payment clears the bankIf there is a new order that exceeds the credit limit while this hold is in effect, they will cancel the order or request the return of the package if it has already been shipped This was the case with Mr [redacted] 's order as it met all of the above criteria (despite his credit card payment covering the amount exceeding his credit limit) Mr [redacted] received full credit for the stereo, including the Express shipping/handling charge, when it was returned to us on July 28, On the same date, an electronic refund of $was issued back to his MasterCard ending '3140'This should have already posted as a credit back to his card; if not, he should allow a few more days for it to process Our records indicate that a Credit Risk agent advised Mr [redacted] by phone of these reasons for the intercepted package on July 23, While we understand this process may be a frustrating inconvenience to our customers, it remains a necessary service and precaution that is intended for their protection, as well as our ownWe again apologize for any inconvenience this may have caused Mr [redacted] As the payment Mr [redacted] made on his account cleared, the hold has been removedMr [redacted] is now able to repurchase the Boss DVD Bluetooth Car Stereo with 7-inch Touch Screen should he wish to Thank you for the opportunity to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/ah Initial Consumer Rebuttal / [redacted] (2000, 10, 2015/08/21) */
CONFIDENTIAL COMMUNICATION March 16, # [redacted] Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Cir Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our investigation confirms that Ms [redacted] purchased a MyHome Tall Wine Cabinet on August 22, On September 24, 2013, she contacted us regarding missing parts to the cabinet, and the phone agent sent a shipping label to her 'c [redacted] @yahoo.com' email so she could return the item However, we never received the return and did not hear from Ms [redacted] until several months later when our Billing/Recovery Department made contact regarding her past due balanceBy this time, the item could no longer be returned as the day timeframe allowed by our return policy had already passed, and Ms [redacted] resumed payments on it as of April She paid the balance in full with the final payment received on December 31, We have received and responded to all of the disputes Ms [redacted] filed with the credit bureaus regarding this matter and her Fingerhut accountThe determination made for each was that we had reported her account accurately and no changes and/or deletion of the trade-line would be made On October 12, 2015, we received an email from Ms [redacted] requesting that we close her account, and delete the associated credit reporting fileWe replied on the same date that her account had been closed per her requestHowever, it was not closed due to an oversight on our part, for which we sincerely apologizeHer account was closed upon receipt of this inquiry In regards to her credit reporting, we maintain that her account was correctly reported to the bureaus and that it cannot be changed or deleted as we are required to furnish accurate reporting in accord with the Fair Credit Report Act Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ah
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 Still will not shop with them in the future Thank You ***
CONFIDENTIAL COMMUNICATION March 1, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Mr***, I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut Advantage Credit Account for Ms [redacted] Ms [redacted] states she returned her entire order, two shirts and one coat, for size-related reasons, but was told we did not receive the coatShe was further told she would be sent a form regarding this issue to fill out and send back to us; she states she never received it, and still did not receive it after requesting it several more timesAs her desired resolution, Ms [redacted] states: “To finally exchange the coat.” We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issuesIn the interest of confidentiality, we have attached our response for the consumer to reviewSincerely, Vi ***Executive Care TeamVF/ah
I am rejecting this response because:I was mislead I earned the credit increase with on time payments I would like the PlayStation sent to me
CONFIDENTIAL COMMUNICATION April 14, # [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 her son’s WebBank/Fingerhut Advantage Credit Account In order for us to discuss pertinent account information with Ms [redacted] we are requesting a copy of the Power of AttorneyTo expedite, Ms [redacted] may fax the P.O.Ato ###-###-#### Attn: Becky or by regular mail to [redacted] StCloud, MN Due to no Power of Attorney being on file we are sending a response directly to the account holder Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION March 24, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountOur records indicate an order was placed on February 25, which included the Hamptons Bathroom Floor Standing Storage Cabinet, Style Station, Suncast Patio Storage Bench, Pregnancy Warning Metallic Wall Art and the Crystal Art Beer/Coincidence Wall ArtThe billing and shipping address on this order was [redacted] Washington, DCAfter the order was placed, Ms [redacted] contacted us to cancel the order due to a change in her billing and shipping addressThe cancellation was completed and a new order was placed with her updated billing and shipping addressAs part of our order processing, our Credit Risk Department reviews orders to ensure proper validation and verification occurs prior to the order shippingSince the change of address was completed at the time of the order being placed our Credit Risk Department was unable to validate Ms [redacted] at the new address which resulted in her order(s) being cancelledThe order for the Hamptons Bathroom Floor Standing Storage Cabinet has been placed per Ms***’s requestAs a courtesy we will honor the price Ms [redacted] was originally charged for the Storage CabinetWe will also honor the promotion code discount of $and the original shipping and handling charge of $Please allow up to two billing cycles for the credits to appear on the monthly billing statement Please note express shipping does not apply for this item due to its weight We are sorry for the inconvenienceThe expected delivery date of the Storage Cabinet is April 4, We appreciate Ms***’s patience and thank you for allowing us to assist and explainSincerely, Vi [redacted] Executive Care Team VF/bw [redacted]
I am accepting the result (cancellation and no charge) but I am rejecting their argument that I knowingly entered into this contract to get enrolled in this program.Their advertisement was very nasty They know how to entrap customers in clicking the icon to enroll them in an expensive program without even noticing the details of the program They entice customers with deceptive tactics They should change this business practice I demand that they conduct more ethical business practice and request their apology
I am rejecting this response because: even though late charges were assessed totaling in late fees and in payments since June my balance should be No payments have been appliedPay and is charged for late fees the is appliedThey are only assesing late charges they ARENT applying my payments!!!!!!