I am rejecting this response because: I understand that I have late fees on the account but I agreed on March or April for my payments automatic monthly payment to be taken out monthly so they can be paid on time and not get reported for being late and they never took out the payments from my accountI have a day past due in my credit report because of them not putting me on monthly automatic withdrawal when I agreed to do soThey said that they have all calls recorded then they should check the last time I called them and they will see I did agreed to get my payments off every month
I am rejecting this response because: First off, my account balance is IRRELEVANT to this issueI KNOW the shoes have to be returnedI didn't want credit on my account as I need a pair of shoesYou are waiving shipping but that still penalizes me because it increases my balance and interest charged on that balance until this is completed.Its funny as long as I have been your loyal customer that you are giving me such a run aroundWere this ordered from Amazon, it would have already been replaced and the defective shoes would be on the way back to them.I will not accept any offered solution by you that doesnt replace these shoes without causing a penalty to me in balance/interest/payment going up on my accountI make my payments regularly and have only been late once since I opened an account with you
I am rejecting this response because:I consintanty attempted to contact fingerhut via their website and customer service representatives.The wording bodied in the responce to this complaint is erroneous and deceptive.If products are sold and received in a broken or malfunctioning manner and the customer (myself) calls and is told by representives of the company's that the matters will be rectified but no rectification is applied what options are available.Fingerhut sold me substandard,malfunctioning products and when informed did nothing to replace,refund nor fix products purchased through them.They are now trying to destroy my credit in retaliation for these complaints
CONFIDENTIAL COMMUNICATION April 7, # [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 Mr [redacted] indicates he enrolled in SafeLine Plus when he opened his accountMr [redacted] states he lost his job in April and since that time he has been trying to work with SafeLine and Fingerhut to find a resolutionHe states he returned all the necessary paperwork via fax or mail and that he requested to suspend SafeLine Plus coverage but to date SafeLine Plus has not been suspended and due to this his account has fallen behindMr [redacted] also states he has tried making the monthly payments that were originally stated but Fingerhut is insisting on a higher minimum payment dueMr [redacted] is requesting that since his claim was denied to have all SafeLine Plus fees that have been charged since the opening of the account refunded along with all late fees Our records indicate Mr [redacted] contacted SafeLine Services on April 11, and requested an Unemployment benefitOn April 12, the Unemployment benefit form was sent to the address we have on file for Mr [redacted] SafeLine Services received the documentation back from Mr [redacted] on April 22, Upon review of the benefit form it was determined that Mr [redacted] did not include proof of state unemploymentA letter was sent to Mr [redacted] on May 3, advising him we did not receive all the required documentation needed to process his claim Additionally, Mr [redacted] contacted SafeLine Services on May 2, and requested another benefit form to be mailed which was sent on May 3, On June 1, we sent an additional Unemployment benefit form since we had not received the required information On September 1, 2016, SafeLine Services closed the Unemployment benefit since the proof of state unemployment was never received from Mr [redacted] On April 4, Mr [redacted] contacted SafeLine Services again and requested the Unemployment benefit to be reopenedOn April 6, the Unemployment benefit form was sent to the address we have on file for Mr [redacted] SafeLine Services has not yet received the completed Unemployment benefits form from Mr [redacted] We have no record of Mr [redacted] requesting to cancel SafeLine PlusSince the last contact we received from Mr [redacted] was asking for the benefit to be reopened he simply needs to complete the Unemployment benefit form and mail it to Fingerhut [redacted] Atlanta, GA.30374- If he would like to cancel SafeLine Plus he may contact SafeLine Services by calling ###-###-####, Monday – Friday, 7:AM – PM CT Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION April 12, 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 FreshStart Installment Loan Account for Ms [redacted] Ms [redacted] states she ordered a Graco Simple Swing as a gift for her daughter, who put it together and found it was defectiveAt first, Ms [redacted] ’s request was granted for an exchange, but the return labels were mailed to her instead of her daughterHowever, she states the exchange was later denied, as the 30-day time period to do so had passed and could no longer be honoredMs [redacted] prefers to still receive an exchange; in the absence of that option, she requests a complete refund of $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 have never had a contract with [redacted] and would like to see the original contract with this debt company Is this not a violation of privacy information released to this company I did not have a contract with [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI checked my credit report and I am satisfied of the charge off I'm thankful to the Revdex.com because the interest would have continued to mount on this account I currently see that the charge off amount of is dueThis is a lot less had I not brought it to your attention the interest and late fee's would have continued on Thanks for solving my problem for meI did recognize a statement that I don't recall them ever saying which was it was going to be applied for fee's when clearly I'd been paying on time so how could there have been any fee's due this company need's a close monitoring on their business handling of the customers accountsI see them collecting lots of extra money in this manner Thanks a lot
CONFIDENTIAL COMMUNICATION February 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 recent inquiry that we received from your office on behalf of Mr [redacted] regarding a WebBank/Gettington Credit Account Mr [redacted] states he purchased an air conditioner from Gettington that is no longer working properlyHe contacted Gettington and was told to contact the manufacturerMr [redacted] was unable to contact the manufacturer, and at that time he contacted AsurionHe states it took them weeks to respondWhen an appointment was set up for them to fix the air conditioner, they cancelled the appointmentMr [redacted] ’s desired outcome would be to have the product refunded Our records indicate Mr [redacted] purchased a Honeywell 14,Btu Portable AC and Heater with a Year Service Plan on January 22, Mr [redacted] contacted Gettington on December 30, stating the air conditioner was no longer working properlyAt this time he was provided with the manufacturers’ phone number Mr [redacted] contacted Gettington on January 10, stating he was unable to reach the manufacturerMr [redacted] purchased a Year Service Plan with the air conditioner from Asurion, at this time he was provided with their contact number On February 16, Mr [redacted] contacted Gettington and stated the service call to have the air conditioner was fixed was cancelledAs a courtesy to Mr [redacted] ’s a discount coupon was offered to be used on a future orderMr [redacted] declined and stated he would not be making future purchases We reached out to Asurion on Mr [redacted] ’s behalf, and the response we received from them indicated that they had initially assigned the service to Aguiarre Applicance, who scheduled the appointment on February 14, When the technician contacted Mr [redacted] , the customer advised he could not wait any longer as he had to leave for work, so that appointment was canceled They then assigned the work order to Service On Site, but have been unable to connect with Mr [redacted] to schedule an appointmentAsurion is committed to work with Mr [redacted] to get the appointment scheduled with Service On Site and have the unit inspectedService On Site’s phone number is ###-###-####, should Mr [redacted] need it While we apologize for this situation, we do require returns to be made in accordance to our return policy which states: “We will issue an exchange or refund for most items returned in new condition within days of receipt Returns will not be accepted for credit after daysOther product concerns must be handled under the manufacturer’s warrantyShipping and handling charges are non-refundableReturns postage is the responsibility of the customersMusic, movies, video games and software must be returned unopened with the factory seal intactExchanges are permitted for identical product only.” Due to the length of time that has passed, we will not be issuing credit for this merchandiseIf service is needed on this product Mr [redacted] will need to contact Asurion at ###-###-####His contract number is [redacted] Thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION June 2, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] states he will send a payment for the amount owed after he receives his disability check We appreciate the payment Mr [redacted] is going to make on his accountAgain, his current balance is $A minimum payment of $is due by June 27, Sincerely, Vi [redacted] Executive Care Team VF/KS
Dear Mr [redacted] I am in receipt of your letter dated August 1, 2017, regarding the above-referenced accountPer the complainant's request, we have requested a copy of their account from our client and will forward it to the complainant upon receiptPlease let me know if I can be of further assistanceSincerely CREDIT ADJUSTMENT BOARD, INC
April 22, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding his Fingerhut FreshStart Installment Loan account provided by WebBank We have included Terms & Conditions, Truth in Lending Agreement, account activity and the last three monthly statementsMr [redacted] states Fingerhut is adding late charges to his accountHe further states he has contacted Fingerhut regarding his payments and that he has paid one month aheadMr [redacted] ’s desired resolution is to have the account correctedOur records indicate that on December 7, 2015, an application for credit was processed with a representative using Mr [redacted] ’s name, address and social security numberThat same day an order was placed with a representative for a Presto Tilt ’n Drain Big Griddle and an alcove Solid-Color Reversible Comforter - KingThe merchandise was shipped December 14, via UPS to the same address as provided on the applicationWe have received a total of five payments on this account including the required $down paymentAccording to our research, Mr [redacted] contacted Fingerhut on April 12, and he was informed that the payments received in February and March were less than the minimum amount due which resulted in two $late fees to be applied to his accountOur records indicate, Mr [redacted] made a payment on April 19, 2016, for $ Two late fees totaling were credited as a courtesy on April 20, On April 20, 2016, Mr [redacted] ’s account is current with a remaining balance of $Mr [redacted] ’s next statement, which will be generated on May 7, will reflect his updated balance and minimum payment dueIf we can be of further assistance, Mr [redacted] may contact our Customer Service Department at ###-###-#### Monday through Friday 8am to 8pm CSTThank you for the opportunity to explainSincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
CONFIDENTIAL COMMUNICATION April 18, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Gettington Credit Account We understand Mr [redacted] disputes making the payment with an agent from our Billing/Recovery Department; however, our records do not support thisAs part of our in depth review of Mr [redacted] ’s account a review of the call recording from March 16, confirms that Mr [redacted] authorized a scheduled payment of $to be processed on March 24, As stated previously a refund for $was completed on March 29, per Mr [redacted] ’s requestAs we have provided all the information available to us, we respectfully consider this matter closedThank you for allowing us to explainSincerely, Vi [redacted] Executive Care Team VF/bw CONFIDENTIAL COMMUNICATIONApril 18, # [redacted] Revdex.com of MinnesotaAttn: [redacted] S River Ridge CircleBurnsville, MN Re: Case # [redacted] – [redacted] , *** I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Gettington Credit Account We understand Mr [redacted] disputes making the payment with an agent from our Billing/Recovery Department; however, our records do not support thisAs part of our in depth review of Mr [redacted] ’s account a review of the call recording from March 16, confirms that Mr [redacted] authorized a scheduled payment of $to be processed on March 24, As stated previously a refund for $was completed on March 29, per Mr [redacted] ’s requestAs we have provided all the information available to us, we respectfully consider this matter closedThank you for allowing us to explainSincerely,Vi ***Executive Care TeamVF/bw
I am rejecting this response because: I am the customer , The Spiderman drone that I am calling about was purchased under my wife’s account [redacted] , but I am the one who placed the order with my wife present , she has already tried to file a complaint with finger but directly but has gotten no response ,So she asked me to take over the matter now we live in Georgia and since she is my wife there is no account confidentiality what is hers is mine and what is mine is hers you may call her directly if you wish her number is ###-###-#### how ever she is going to direct you to deal with me my number is(912) [redacted]
I am rejecting this response because: My account was never credited for the shipping and handling costsI am not sure what is going on but now my account balance is higher and I did make my payment tooSo I am still very dissatisfied with the way fingerhut treats there customersI have NEVER missed a payment before except in julyI feel as if I'm being ripped off and I'm just trying to get this issue resolved
CONFIDENTIAL COMMUNICATION March 31, # [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 AccountOur records indicate Ms [redacted] placed an order for a Polaroid 18MP 8X Zoom Camera Bundle with a yrExtended Service Plan (ESP) and an Ariat Women’s Fatbaby Heritage Riding Boot Tan Size on November 15, on our websiteOn November 17, the boots were cancelled because they were out of stockThe camera bundle with ESP was shipped and delivered to Ms [redacted] The order total for the camera bundle and ESP was $On November 28, Ms [redacted] ’s statement cycled and reflected a minimum payment due of $by December 24, Our return policy is listed in our catalogs and on our website and is as follows: We will exchange your product or give you a refund for most items returned in new condition within days after date of purchaseReturns will not be accepted for credit after daysIf you have any problems with a product, please check the manufacturer’s warrantyFingerhut provides a convenient prepaid return label service for most productsYou can visit our Returns Center in the My Account area of the website to print a new return label at Fingerhut.com or contact Customer ServicePre-paid return labels are not available for truck-ship items, oversized items, or Fingerhut FreshStart accountsContact Customer Service for help with your returnThere is no upfront fee when using the return labelThere is no fee for using the return label if you received a damaged of defective product or in the case of a shipping errorThe final determination of product condition is subject to our inspectionReturn fees not covered by Fingerhut will be deducted from your credit based on the weight of the packageThe original shipping and handling is nonrefundable if your item is not damaged or defective or in the case of a shipping errorWe received the return of the camera bundle on December 29, and Ms [redacted] ’s account was credited in the amount of $The original shipping and handling charges of $were not creditedA return fee of $was also appliedWe received an email from Ms [redacted] on January 5, in which she stated she was not paying a late fee for something she returned to usWe sent an email to Ms [redacted] explaining the shipping and handling charges are non-refundableSince a minimum payment was due prior to the return being received and credited, Ms [redacted] is responsible for the remaining charges on the accountWe have credited two late fees as a courtesy in the amount of $The remaining balance on Ms [redacted] ’s account is $as of the date of this letter Thank you for allowing us to assist and explainSincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION May 16, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] has stated she ordered items in the amount of $on her Fingerhut Credit Card Account and never received the package that was sent to her via UPS Tracking [redacted] She claims UPS has no record of this deliveryMs [redacted] states that Fingerhut is making her pay for a package that she never received and has repeatedly tried to resolve this issueShe has requested a credit to her account of $ Our records indicate that the tracking number for this package was delivered March 23, at 10:AMThis information is available on the UPS websiteDue to this information, it is our policy that Ms [redacted] provide us with a copy of a police report in order to further investigate the merchandise not receivedWe were given information for a police report, but when we called the Paris, Texas police department they were unable to verify the report under the case number givenAt this time, we would need a copy of a valid police report Please mail the police report to [redacted] Saint Cloud, MN or fax to ###-###-#### attention: Executive Care Team –Jessica Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm
CONFIDENTIAL COMMUNICATION March 24, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, credit application, Terms and Conditions, and an unordered merchandise affidavit Mr [redacted] states in his complaint that there is a WebBank/Fingerhut credit account on his credit report that he believes is fraudMr [redacted] is requesting more information about the account, specifically when the order was placed and what was ordered The WebBank/Fingerhut credit account ending in [redacted] was opened on September 28, when an application for credit was processed onlineThe name, phone number and email address on the application is the same one provided when contacting us regarding this issue One order was placed on September 28, for an XBOX One ConsoleThe merchandise was shipped by Spee Dee to the address on the application A payment for $was processed on November 22, with a MasterCard debit card ending in ***The name on the card was [redacted] ***The unpaid balance of $charged off on July 5, and the account was sold to [redacted] on August 4, [redacted] can be reached at ###-###-#### According to our records, Mr [redacted] spoke with Fingerhut on April 16, The account was verified and Mr [redacted] stated he would pay off the account in May The last record of speaking with Mr [redacted] was July 3, in which he verified the account and stated he was unable to pay because he was waiting for a tax refundAfter reviewing the call recording, Mr [redacted] gave no indication he suspected this account was opened fraudulently An account review on March 18, confirmed that the credit bureaus are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance and past due of zero We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Mr***'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 Mr [redacted] believes this account was opened fraudulently, he can complete and return the attached unordered merchandise affidavitWe also ask that he file a police report and send both copies to the following address: Fingerhut Attn: Fraud Department [redacted] StCloud, MN Mr [redacted] may also fax the affidavit and police report to ###-###-#### Attn: FraudPlease include the customer or account number on the fax so we can locate the account Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation If Mr [redacted] has further questions or concerns, he can contact the Fraud Department at ###-###-####Their hours are Monday - Friday 8:00am - 6:00pm Central Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/lg Enclosures
I am rejecting this response because: I am not clear on why I am still responsible for a cancelled insurance policy thru Affinion Group as of November and was informed by that company of no further responsibility to FingerhutThey recommended that I should disregard the letters and that Fingerhut was not even being billed any longer
July 21, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] regarding a PayCheck Direct Account Ms [redacted] states she is unable to box and return the merchandise to PayCheck DirectShe indicates if she is to breakdown the item, PayCheck Direct will not be able to properly assess the damageMs [redacted] feels she should not be responsible for paying the shipping for this product After reviewing the photograph Ms [redacted] included in her complaint, PayCheck Direct has credited the merchandise as a courtesy to Ms [redacted] Ms [redacted] will not need to return this item The full merchandise price of $159.99, tax amount of $10.00, Year Service Plan of $15.99, and the shipping/handling of $was credited on July 20, This refund check will be mailed to Ms [redacted] ’s address, [redacted] Ervina, MA 01344, on July 27, She should allow 5-business days to receive this check If Ms [redacted] has any additional questions she may contact PayCheck Direct at ###-###-#### Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because: I understand that I have late fees on the account but I agreed on March or April for my payments automatic monthly payment to be taken out monthly so they can be paid on time and not get reported for being late and they never took out the payments from my accountI have a day past due in my credit report because of them not putting me on monthly automatic withdrawal when I agreed to do soThey said that they have all calls recorded then they should check the last time I called them and they will see I did agreed to get my payments off every month
I am rejecting this response because: First off, my account balance is IRRELEVANT to this issueI KNOW the shoes have to be returnedI didn't want credit on my account as I need a pair of shoesYou are waiving shipping but that still penalizes me because it increases my balance and interest charged on that balance until this is completed.Its funny as long as I have been your loyal customer that you are giving me such a run aroundWere this ordered from Amazon, it would have already been replaced and the defective shoes would be on the way back to them.I will not accept any offered solution by you that doesnt replace these shoes without causing a penalty to me in balance/interest/payment going up on my accountI make my payments regularly and have only been late once since I opened an account with you
I am rejecting this response because:I consintanty attempted to contact fingerhut via their website and customer service representatives.The wording bodied in the responce to this complaint is erroneous and deceptive.If products are sold and received in a broken or malfunctioning manner and the customer (myself) calls and is told by representives of the company's that the matters will be rectified but no rectification is applied what options are available.Fingerhut sold me substandard,malfunctioning products and when informed did nothing to replace,refund nor fix products purchased through them.They are now trying to destroy my credit in retaliation for these complaints
CONFIDENTIAL COMMUNICATION April 7, # [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 Mr [redacted] indicates he enrolled in SafeLine Plus when he opened his accountMr [redacted] states he lost his job in April and since that time he has been trying to work with SafeLine and Fingerhut to find a resolutionHe states he returned all the necessary paperwork via fax or mail and that he requested to suspend SafeLine Plus coverage but to date SafeLine Plus has not been suspended and due to this his account has fallen behindMr [redacted] also states he has tried making the monthly payments that were originally stated but Fingerhut is insisting on a higher minimum payment dueMr [redacted] is requesting that since his claim was denied to have all SafeLine Plus fees that have been charged since the opening of the account refunded along with all late fees Our records indicate Mr [redacted] contacted SafeLine Services on April 11, and requested an Unemployment benefitOn April 12, the Unemployment benefit form was sent to the address we have on file for Mr [redacted] SafeLine Services received the documentation back from Mr [redacted] on April 22, Upon review of the benefit form it was determined that Mr [redacted] did not include proof of state unemploymentA letter was sent to Mr [redacted] on May 3, advising him we did not receive all the required documentation needed to process his claim Additionally, Mr [redacted] contacted SafeLine Services on May 2, and requested another benefit form to be mailed which was sent on May 3, On June 1, we sent an additional Unemployment benefit form since we had not received the required information On September 1, 2016, SafeLine Services closed the Unemployment benefit since the proof of state unemployment was never received from Mr [redacted] On April 4, Mr [redacted] contacted SafeLine Services again and requested the Unemployment benefit to be reopenedOn April 6, the Unemployment benefit form was sent to the address we have on file for Mr [redacted] SafeLine Services has not yet received the completed Unemployment benefits form from Mr [redacted] We have no record of Mr [redacted] requesting to cancel SafeLine PlusSince the last contact we received from Mr [redacted] was asking for the benefit to be reopened he simply needs to complete the Unemployment benefit form and mail it to Fingerhut [redacted] Atlanta, GA.30374- If he would like to cancel SafeLine Plus he may contact SafeLine Services by calling ###-###-####, Monday – Friday, 7:AM – PM CT Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION April 12, 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 FreshStart Installment Loan Account for Ms [redacted] Ms [redacted] states she ordered a Graco Simple Swing as a gift for her daughter, who put it together and found it was defectiveAt first, Ms [redacted] ’s request was granted for an exchange, but the return labels were mailed to her instead of her daughterHowever, she states the exchange was later denied, as the 30-day time period to do so had passed and could no longer be honoredMs [redacted] prefers to still receive an exchange; in the absence of that option, she requests a complete refund of $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 have never had a contract with [redacted] and would like to see the original contract with this debt company Is this not a violation of privacy information released to this company I did not have a contract with [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI checked my credit report and I am satisfied of the charge off I'm thankful to the Revdex.com because the interest would have continued to mount on this account I currently see that the charge off amount of is dueThis is a lot less had I not brought it to your attention the interest and late fee's would have continued on Thanks for solving my problem for meI did recognize a statement that I don't recall them ever saying which was it was going to be applied for fee's when clearly I'd been paying on time so how could there have been any fee's due this company need's a close monitoring on their business handling of the customers accountsI see them collecting lots of extra money in this manner Thanks a lot
CONFIDENTIAL COMMUNICATION February 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 recent inquiry that we received from your office on behalf of Mr [redacted] regarding a WebBank/Gettington Credit Account Mr [redacted] states he purchased an air conditioner from Gettington that is no longer working properlyHe contacted Gettington and was told to contact the manufacturerMr [redacted] was unable to contact the manufacturer, and at that time he contacted AsurionHe states it took them weeks to respondWhen an appointment was set up for them to fix the air conditioner, they cancelled the appointmentMr [redacted] ’s desired outcome would be to have the product refunded Our records indicate Mr [redacted] purchased a Honeywell 14,Btu Portable AC and Heater with a Year Service Plan on January 22, Mr [redacted] contacted Gettington on December 30, stating the air conditioner was no longer working properlyAt this time he was provided with the manufacturers’ phone number Mr [redacted] contacted Gettington on January 10, stating he was unable to reach the manufacturerMr [redacted] purchased a Year Service Plan with the air conditioner from Asurion, at this time he was provided with their contact number On February 16, Mr [redacted] contacted Gettington and stated the service call to have the air conditioner was fixed was cancelledAs a courtesy to Mr [redacted] ’s a discount coupon was offered to be used on a future orderMr [redacted] declined and stated he would not be making future purchases We reached out to Asurion on Mr [redacted] ’s behalf, and the response we received from them indicated that they had initially assigned the service to Aguiarre Applicance, who scheduled the appointment on February 14, When the technician contacted Mr [redacted] , the customer advised he could not wait any longer as he had to leave for work, so that appointment was canceled They then assigned the work order to Service On Site, but have been unable to connect with Mr [redacted] to schedule an appointmentAsurion is committed to work with Mr [redacted] to get the appointment scheduled with Service On Site and have the unit inspectedService On Site’s phone number is ###-###-####, should Mr [redacted] need it While we apologize for this situation, we do require returns to be made in accordance to our return policy which states: “We will issue an exchange or refund for most items returned in new condition within days of receipt Returns will not be accepted for credit after daysOther product concerns must be handled under the manufacturer’s warrantyShipping and handling charges are non-refundableReturns postage is the responsibility of the customersMusic, movies, video games and software must be returned unopened with the factory seal intactExchanges are permitted for identical product only.” Due to the length of time that has passed, we will not be issuing credit for this merchandiseIf service is needed on this product Mr [redacted] will need to contact Asurion at ###-###-####His contract number is [redacted] Thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION June 2, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Mr [redacted] states he will send a payment for the amount owed after he receives his disability check We appreciate the payment Mr [redacted] is going to make on his accountAgain, his current balance is $A minimum payment of $is due by June 27, Sincerely, Vi [redacted] Executive Care Team VF/KS
Dear Mr [redacted] I am in receipt of your letter dated August 1, 2017, regarding the above-referenced accountPer the complainant's request, we have requested a copy of their account from our client and will forward it to the complainant upon receiptPlease let me know if I can be of further assistanceSincerely CREDIT ADJUSTMENT BOARD, INC
April 22, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding his Fingerhut FreshStart Installment Loan account provided by WebBank We have included Terms & Conditions, Truth in Lending Agreement, account activity and the last three monthly statementsMr [redacted] states Fingerhut is adding late charges to his accountHe further states he has contacted Fingerhut regarding his payments and that he has paid one month aheadMr [redacted] ’s desired resolution is to have the account correctedOur records indicate that on December 7, 2015, an application for credit was processed with a representative using Mr [redacted] ’s name, address and social security numberThat same day an order was placed with a representative for a Presto Tilt ’n Drain Big Griddle and an alcove Solid-Color Reversible Comforter - KingThe merchandise was shipped December 14, via UPS to the same address as provided on the applicationWe have received a total of five payments on this account including the required $down paymentAccording to our research, Mr [redacted] contacted Fingerhut on April 12, and he was informed that the payments received in February and March were less than the minimum amount due which resulted in two $late fees to be applied to his accountOur records indicate, Mr [redacted] made a payment on April 19, 2016, for $ Two late fees totaling were credited as a courtesy on April 20, On April 20, 2016, Mr [redacted] ’s account is current with a remaining balance of $Mr [redacted] ’s next statement, which will be generated on May 7, will reflect his updated balance and minimum payment dueIf we can be of further assistance, Mr [redacted] may contact our Customer Service Department at ###-###-#### Monday through Friday 8am to 8pm CSTThank you for the opportunity to explainSincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
CONFIDENTIAL COMMUNICATION April 18, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Gettington Credit Account We understand Mr [redacted] disputes making the payment with an agent from our Billing/Recovery Department; however, our records do not support thisAs part of our in depth review of Mr [redacted] ’s account a review of the call recording from March 16, confirms that Mr [redacted] authorized a scheduled payment of $to be processed on March 24, As stated previously a refund for $was completed on March 29, per Mr [redacted] ’s requestAs we have provided all the information available to us, we respectfully consider this matter closedThank you for allowing us to explainSincerely, Vi [redacted] Executive Care Team VF/bw CONFIDENTIAL COMMUNICATIONApril 18, # [redacted] Revdex.com of MinnesotaAttn: [redacted] S River Ridge CircleBurnsville, MN Re: Case # [redacted] – [redacted] , *** I am writing in response to the further inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Gettington Credit Account We understand Mr [redacted] disputes making the payment with an agent from our Billing/Recovery Department; however, our records do not support thisAs part of our in depth review of Mr [redacted] ’s account a review of the call recording from March 16, confirms that Mr [redacted] authorized a scheduled payment of $to be processed on March 24, As stated previously a refund for $was completed on March 29, per Mr [redacted] ’s requestAs we have provided all the information available to us, we respectfully consider this matter closedThank you for allowing us to explainSincerely,Vi ***Executive Care TeamVF/bw
I am rejecting this response because: I am the customer , The Spiderman drone that I am calling about was purchased under my wife’s account [redacted] , but I am the one who placed the order with my wife present , she has already tried to file a complaint with finger but directly but has gotten no response ,So she asked me to take over the matter now we live in Georgia and since she is my wife there is no account confidentiality what is hers is mine and what is mine is hers you may call her directly if you wish her number is ###-###-#### how ever she is going to direct you to deal with me my number is(912) [redacted]
I am rejecting this response because: My account was never credited for the shipping and handling costsI am not sure what is going on but now my account balance is higher and I did make my payment tooSo I am still very dissatisfied with the way fingerhut treats there customersI have NEVER missed a payment before except in julyI feel as if I'm being ripped off and I'm just trying to get this issue resolved
CONFIDENTIAL COMMUNICATION March 31, # [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 AccountOur records indicate Ms [redacted] placed an order for a Polaroid 18MP 8X Zoom Camera Bundle with a yrExtended Service Plan (ESP) and an Ariat Women’s Fatbaby Heritage Riding Boot Tan Size on November 15, on our websiteOn November 17, the boots were cancelled because they were out of stockThe camera bundle with ESP was shipped and delivered to Ms [redacted] The order total for the camera bundle and ESP was $On November 28, Ms [redacted] ’s statement cycled and reflected a minimum payment due of $by December 24, Our return policy is listed in our catalogs and on our website and is as follows: We will exchange your product or give you a refund for most items returned in new condition within days after date of purchaseReturns will not be accepted for credit after daysIf you have any problems with a product, please check the manufacturer’s warrantyFingerhut provides a convenient prepaid return label service for most productsYou can visit our Returns Center in the My Account area of the website to print a new return label at Fingerhut.com or contact Customer ServicePre-paid return labels are not available for truck-ship items, oversized items, or Fingerhut FreshStart accountsContact Customer Service for help with your returnThere is no upfront fee when using the return labelThere is no fee for using the return label if you received a damaged of defective product or in the case of a shipping errorThe final determination of product condition is subject to our inspectionReturn fees not covered by Fingerhut will be deducted from your credit based on the weight of the packageThe original shipping and handling is nonrefundable if your item is not damaged or defective or in the case of a shipping errorWe received the return of the camera bundle on December 29, and Ms [redacted] ’s account was credited in the amount of $The original shipping and handling charges of $were not creditedA return fee of $was also appliedWe received an email from Ms [redacted] on January 5, in which she stated she was not paying a late fee for something she returned to usWe sent an email to Ms [redacted] explaining the shipping and handling charges are non-refundableSince a minimum payment was due prior to the return being received and credited, Ms [redacted] is responsible for the remaining charges on the accountWe have credited two late fees as a courtesy in the amount of $The remaining balance on Ms [redacted] ’s account is $as of the date of this letter Thank you for allowing us to assist and explainSincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION May 16, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] has stated she ordered items in the amount of $on her Fingerhut Credit Card Account and never received the package that was sent to her via UPS Tracking [redacted] She claims UPS has no record of this deliveryMs [redacted] states that Fingerhut is making her pay for a package that she never received and has repeatedly tried to resolve this issueShe has requested a credit to her account of $ Our records indicate that the tracking number for this package was delivered March 23, at 10:AMThis information is available on the UPS websiteDue to this information, it is our policy that Ms [redacted] provide us with a copy of a police report in order to further investigate the merchandise not receivedWe were given information for a police report, but when we called the Paris, Texas police department they were unable to verify the report under the case number givenAt this time, we would need a copy of a valid police report Please mail the police report to [redacted] Saint Cloud, MN or fax to ###-###-#### attention: Executive Care Team –Jessica Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/jm
CONFIDENTIAL COMMUNICATION March 24, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] Case #: [redacted] Dear Ms [redacted] , I am writing in response to an inquiry received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Credit AccountEnclosed are a statement of account activity, credit application, Terms and Conditions, and an unordered merchandise affidavit Mr [redacted] states in his complaint that there is a WebBank/Fingerhut credit account on his credit report that he believes is fraudMr [redacted] is requesting more information about the account, specifically when the order was placed and what was ordered The WebBank/Fingerhut credit account ending in [redacted] was opened on September 28, when an application for credit was processed onlineThe name, phone number and email address on the application is the same one provided when contacting us regarding this issue One order was placed on September 28, for an XBOX One ConsoleThe merchandise was shipped by Spee Dee to the address on the application A payment for $was processed on November 22, with a MasterCard debit card ending in ***The name on the card was [redacted] ***The unpaid balance of $charged off on July 5, and the account was sold to [redacted] on August 4, [redacted] can be reached at ###-###-#### According to our records, Mr [redacted] spoke with Fingerhut on April 16, The account was verified and Mr [redacted] stated he would pay off the account in May The last record of speaking with Mr [redacted] was July 3, in which he verified the account and stated he was unable to pay because he was waiting for a tax refundAfter reviewing the call recording, Mr [redacted] gave no indication he suspected this account was opened fraudulently An account review on March 18, confirmed that the credit bureaus are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance and past due of zero We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Mr***'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 Mr [redacted] believes this account was opened fraudulently, he can complete and return the attached unordered merchandise affidavitWe also ask that he file a police report and send both copies to the following address: Fingerhut Attn: Fraud Department [redacted] StCloud, MN Mr [redacted] may also fax the affidavit and police report to ###-###-#### Attn: FraudPlease include the customer or account number on the fax so we can locate the account Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation If Mr [redacted] has further questions or concerns, he can contact the Fraud Department at ###-###-####Their hours are Monday - Friday 8:00am - 6:00pm Central Time Thank you for allowing us to explain Sincerely, Kari [redacted] Executive Care Team KD/lg Enclosures
I am rejecting this response because: I am not clear on why I am still responsible for a cancelled insurance policy thru Affinion Group as of November and was informed by that company of no further responsibility to FingerhutThey recommended that I should disregard the letters and that Fingerhut was not even being billed any longer
I am rejecting this response because: I am not that person and my complaint is totally different
July 21, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] regarding a PayCheck Direct Account Ms [redacted] states she is unable to box and return the merchandise to PayCheck DirectShe indicates if she is to breakdown the item, PayCheck Direct will not be able to properly assess the damageMs [redacted] feels she should not be responsible for paying the shipping for this product After reviewing the photograph Ms [redacted] included in her complaint, PayCheck Direct has credited the merchandise as a courtesy to Ms [redacted] Ms [redacted] will not need to return this item The full merchandise price of $159.99, tax amount of $10.00, Year Service Plan of $15.99, and the shipping/handling of $was credited on July 20, This refund check will be mailed to Ms [redacted] ’s address, [redacted] Ervina, MA 01344, on July 27, She should allow 5-business days to receive this check If Ms [redacted] has any additional questions she may contact PayCheck Direct at ###-###-#### Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS