CONFIDENTIAL COMMUNICATION March 15, # [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 inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account As the above referenced account is a revolving credit account, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the nextThe interest is calculated based on the account's current Variable Annual Percentage Rate (APR) of 20.15%, and the monthly charges will vary in relation to increases or reductions in the account balance from month to monthNew terms and conditions were sent to Ms [redacted] regarding the increase in her APR on January 13, This information can also be found by going to www.gettington.com and clicking "terms and conditions" at the bottom of the homepage We currently do not offer a lower APR Thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION May 31, # [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 AccountPlease see attached letter(s) of response as it exceeds the 2,max character count
CONFIDENTIAL COMMUNICATION April 13, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountOur records indicate Mr [redacted] purchased a HP 4GB Windows Desktop Computer with a Year Service Plan on May 30, On January 14, Mr [redacted] contacted Fingerhut stating the computer was no longer working properlyAt this time he was told he would need to contact NEW (National Extended Warranty) for concerns regarding the computer as we require returns to be made in accordance to our return policy, which states: “We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are non refundableComputers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchanges or accept returnsOther product concerns must be handled under the manufacturers’ warrantySoftware and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanges are permitted for the identical product only.” Due to the length of time that has passed, Mr [redacted] will need to contact NEW at ###-###-####This plan began on June 1, His warranty contract number is FHI[redacted] Each month we did not receive a payment from Mr [redacted] resulted in a late feeWhen Mr [redacted] opened his Fingerhut Credit Account he agreed to the terms and conditionsWithin these terms and conditions it states, “Late fees will be equal to your minimum payment due with a maximum amount of $The maximum amount will increase to $if you did not make your minimum payment on time in any one of the prior billing cycles.” As a reminder to Mr [redacted] , his account with WebBank/Fingerhut is a revolving credit accountAs such, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the nextThe interest rate is calculated based on the account’s current Annual Percentage Rate of 25.15% and the monthly charges will vary in relation to increases or reductions in the account balance from month to monthAccording to an account review completed on April 13, 2016, Equifax, Experian and Trans Union are reporting accurately as Current/Pays as AgreedWe 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 your Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as wellAt this time Mr [redacted] ’s balance is $A minimum payment of $is due by May 2, Thank you for allowing us to explainSincerely, Vi [redacted] Executive Care Team VF/KS
Initial Business Response / [redacted] (1000, 7, 2015/08/13) */ CONFIDENTIAL COMMUNICATION August 13, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate an order was placed on our website for a Super Chef pcNonstick Cookware Set on March 18, We have no record of a Rachel Ray Cookware Set being placed on Ms [redacted] 's account Our return policy is listed on our website and in our catalogs and states, in part: 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 return After a thorough review of Ms [redacted] 's account, we have no record of her contacting us in reference with any problem for the CookwareUnfortunately, due to the length of time she has had the Cookware we are unable to accept the return On December 13, our records indicate an order placed for a Ragalta Thermo Electric Hot and Cold Water Cooler and a yrExtended Service Plan (ESP)On January 13, Ms [redacted] contacted us to advise she would be returning the Water Cooler because she did not like the itemOn March 28, we sent an "affidavit of non-receipt of returned merchandise" since we did not receive the returnOn April 30, 2014, a letter was sent to the address on file for Ms [redacted] advising we require a copy of her return receiptWe have no record of receiving the receiptWe suggest Ms [redacted] contact the shipping company she used to return the item for additional assistance Please understand we make every effort to apply our policies consistently and fairly to all of our customers and we are applying the policy the same for her as we would any other customer with similar circumstances Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/08/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) What the rep has responded to is incorrect and she may claim there is no record of the complaints or disputes however those are lies Another reason why I don't exactly shop for products anymore because they do not honor their wordYes I purchased extended warranty for the product however, I can't make a claim on something that was returned because I cannot produce the product Thanks
I am rejecting this response because: I was involuntary unemployed the employer lied to avoid paying unemployment benefitsI have appealed and am awaiting response regarding my appeal to unemploymentI have proof the employer liedYour denying payment because the employer lied amd claimed is was willfull misconduct is ridiculousI was wrongfully terminated and I have even contacted lawyers still awaiting responseI do not accept your answer as I did nothing wrong to lose my job they jusr didnt want to pay me stolen overtime wages and vacation time
CONFIDENTIAL COMMUNICATION November 4, Revdex.com of Minnesota # [redacted] Attention: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the customer complaint filed with the Revdex.com by [redacted] , regarding his WebBank/Fingerhut Credit Account In the complaint the customer stated he purchased a cordless phone from Fingerhut, which was advertised as headset compatibleWhen the item was received by the customer it did not have the headset compatible feature the customer neededThe customer contacted Fingerhut Customer Service and was referred to the manufacturer, who referred the customer back to Fingerhut The customer’s desired resolution is for a phone system that is headset compatible to be sent to them at Fingerhut’s expense Our records indicate the customer placed an order on our website at www.fingerhut.com for item number SAAT&T Cordless Phone w/Answering System & Caller ID on October 15, When the order was placed the item was advertised as headset compatible We have investigated the issue and have subsequently changed the description to state item is not headset compatible Mr [redacted] returned the item to Fingerhut on October 27, and a full credit was issued to the customer’s Fingerhut credit account Although the website disclaimer in our Terms and Conditions states that Fingerhut, its affiliates and partners disclaim any liability as to the accuracy or completeness of each description, we do our utmost to ensure customer satisfaction with our products, accuracy of descriptions and the customer service we provide We apologize to our customer for any inconvenience we may have caused While we cannot send a new item for free we would like to help our customer locate a phone system with the desired featuresOur entire line of phone systems are located at www.fingerhut.com, or our Order Line would be glad to assistThe Fingerhut Order Line can be reached at ###-###-####, hours a day / days a week Thank you for this opportunity to explain Sincerely, Vi [redacted] Executive Care TeamVF/sm
CONFIDENTIAL COMMUNICATION March 28, 2016Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge Cir.Burnsville, MN 55337Re: 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] .Ms [redacted] ’s report of receiving unsatisfactory service is regrettable, as all agents are accountable to our quality and servicing standardsWithin these standards we make every effort to connect customers with a supervisor upon request (or referring a callback request if none are available, so that a supervisor will contact the customer within hours) and properly notating the account to maintain accurate records of the contact historyHowever, this is not sufficient grounds to change our position, and we cannot change/delete the account’s reporting history for the reasons in our previous response (return postage was sent to Ms [redacted] shortly after purchase but it was never returned, and she remained responsible for payment)Now that the account has been closed, we confirmed this status change has updated with the bureaus and now reports as “closed at the consumer’s request.” Having provided Ms [redacted] with all information available to us, we consider this matter closed.Sincerely,Vi ***Executive Care TeamVF/ah Tell us why here
I didn't get an letter for the company until after I filed an compliant and that is not the way to do businessWhy is the company running my credit all the time and I'm paying them on time each monthNot the way to do business at allNot a satisfied customer
CONFIDENTIAL COMMUNICATION May 23, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We have completed an in-depth review of Mr [redacted] ’ concerns regarding the time frame for our express shippingOur records indicate Mr [redacted] placed an order on May 11, for the Men’s Reebok Trailgrip Running Shoes in Brown size Mr [redacted] ’ order shipped on May 12, and per the tracking information from the UPS website the order was delivered on May 16, Express delivery means the order will ship within business day and delivered within business days from the time it leaves our warehouseBusiness days do not include weekends or holidaysThe timeframe for express delivery is listed on our websiteBased on the shipping and tracking information the requirements for express delivery were met and within the time frames stated Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION May 3, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate an order was placed on April 4, for the New Balance Men’s 411VWalking Shoe Wide Size We sincerely apologize Mr [redacted] has experienced this inconvenience regarding the problem with the shoesWe are able to offer a replacement order for the shoes prior to receiving the return of the defective shoes, however, we cannot send the order without charging Mr [redacted] ’s account Mr [redacted] received a postage paid return label with the order for the shoesIf we place a new order on his account, upon receipt of the new order Mr [redacted] may return the defective shoes immediatelyPlease understand returns may take up to days to be received and processedMr [redacted] ’s monthly statement will cycle on May 17, If the new order is placed prior to the cycle date, Mr [redacted] ’s minimum payment would only change for one to two billing cycles depending on when the return is received If Mr [redacted] would like to place the order he may contact our order line at ###-###-####, days a week, hours a day Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
Dear Ms***:Toll Free [redacted] April 27, 2016I am in receipt of your letter dated April 25, 2016, in regards to the above-referenced matter.I want to first and foremost apologize to [redacted] for any inconvenience that this has caused her.also want to assure her that this account has been closed and cancelled from my company by our clientas this account was placed in erro;.We strive to treat everyone with empathy and professionalism and I am sorry that this situationoccurredB [redacted] about this.Sincerely yours,
Initial Business Response / [redacted] (1000, 5, 2016/01/20) */ CONFIDENTIAL COMMUNICATION January 20, 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 Our records indicate on September 30, Ms [redacted] purchased three Visual Land Prestige Elite 8" 16GB Android Tablets with Keyboard CasesOn January 3, Ms [redacted] contacted Fingerhut stating her products are not working properlyWhile customer satisfaction if very important to us, we do require returns to be made in accordance with our Return Policy, which states: "We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are non refundableComputers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchanges or accept returnsOther product concerns must be handled under the manufacturers' warrantySoftware and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanges are permitted for the identical product only." For all concerns with these products Ms [redacted] will need to contact the manufacturer, Visual Land Inc., at [redacted] We apologize for any inconvenience this may causeThank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
July 7, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] states that she ordered a product which was damaged and when she tried to contact Fingerhut regarding returning the product she never received a response email Ms [redacted] ’s account indicates an order was placed on May 3, via the web for a Ragalta 4-PcCanister Set – Red and delivered to [redacted] Winchester, KY on May 6, Our records indicate we received an email from Ms [redacted] on May 31, indicating she was unhappy with the product, there was rust on the lid and the paint was coming off A representative responded to Ms [redacted] ’s email on June 1, apologizing for the issue and advising her to check the packing slip for a return label and to follow the instructions to return the productThe representative also advised her to contact us if she did not receive a return label and let us know if she would like the label sent via U.SMail or email Records indicate we received a second email from Ms [redacted] indicating she did not receive a reply to her first email and is now stuck paying for a product that is no goodA representative responded to Ms [redacted] on June 14, apologized and inquired if she would like the return label sent via U.SMail or email Our records indicate we received a reply from Ms [redacted] on July 1, indicating she would like the label sent to her via U.SMailA reply was sent to Ms [redacted] on July 1, informing her a label would be mailed and to allow up to business days to receive itShe was also advised to indicate if she would like a credit or an exchange and to allow 10-days for us to receive and process the return While we sympathize with Ms [redacted] , We strongly advise customers keep their account in good standing by making the minimum amount due each month, even while engaged in a dispute or in the process of a return until the issue has been resolved Ms [redacted] ’s current balance on her account is $with a minimum payment of $due by July 13, If Ms [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:AM – 8:PM Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ca
[redacted] CONFIDENTIAL COMMUNICATION April 11, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Mr [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to a second inquiry received from your office on behalf Mr [redacted] regarding a WebBank/Fingerhut credit accountEnclosed are a statement of account activity, credit application and Terms and ConditionsMr [redacted] states that he was unaware about a Fingerhut account until he saw the WebBank/Fingerhut trade line on his credit reportMr [redacted] further states that there is inaccurate information being reported to the credit bureausMr***’s desired resolution is to have the WebBank/Fingerhut trade line deleted from his credit reportAs stated our initial response, an application was processed online June 17, with Mr***’ name, address and social security numberAn order was placed online September 8, for a Save 32% Avirex Men's Rattler Jean, Denim, 38W 34L, a Save 30% Ecko Unltd Standout Jean Denim, 38, a Save 31% Ecko Unltd Mn EU Short Denim, 36, and a Save 30% Ecko Unltd Standout Jean Black Denim, The merchandise was shipped September 9, via FedEx to [redacted] Wheatland, IN No payments were made on this accountThe unpaid balance of $charged off on April 17, and the account was sold to Jefferson Capital Systems on August 2, Fingerhut is no longer collecting on this account An account review on March 17, confirmed that Experian and Trans Union are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance of zeroNothing is reporting to Experian, as Fingerhut did not begin reporting to Experian until October We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Mr***’ Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as wellIf Mr [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly at ###-###-####As Mr [redacted] continues to allege he has no knowledge of this account, we referred this matter to our Credit Risk Department for further reviewAs a result of their investigation, a police report is required in order to contact a full fraud investigationTo date, we have not received a completed police report regarding this matterMr [redacted] may send the police report to the following address: Fingerhut Attn: Fraud Department [redacted] StCloud, MN Mr [redacted] may also fax the police report to ###-###-#### Attn: FraudPlease include the customer or account number on the fax so we can locate the accountIf Mr [redacted] has further questions or concerns, he may contact the Fraud Department at ###-###-####Their hours are Monday – Friday 8:00am – 6:00pm Central TimeThank you for allowing us to explainSincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures
CONFIDENTIAL COMMUNICATION May 9, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] ***To confirm to Ms***, we received the Chef’s mark Countertop IceCube Maker as a return earlier todayHer warranty claim has been approved, and a replacement order for the same item has been submitted at no cost to Ms***Ms [redacted] should allow up to hours from this response to receive shipping confirmation and a tracking number for the replacement order at her [email protected] email address on fileMs [redacted] may re-open this inquiry if she has an issue after receiving the new ice maker, but at this time we consider this matter closed and resolvedThank you for allowing us to explainSincerely, Vi [redacted] Executive Care Team VF/ah
CONFIDENTIAL COMMUNICATION January 12, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account In Ms***’s inquiry, she states two payments of $were made in error, and she wanted to cancel one of the duplicated paymentsMs [redacted] also states, one payment was reversed and one was cancelledMs [redacted] wants her $payment to show on her account After reviewing Ms***’s account, we show two payments were indeed made in the amount of $After these payments cleared, we reversed one payment to the credit card usedWe do not show a payment being cancelledWe show a payment of $was processed to Ms***’s WebBank/Fingerhut Advantage Account on December 02, We apologize for any inconvenience this may have causedIf Ms [redacted] has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:am and 8:pm, Central Time, Monday-Friday Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/AH
I am rejecting this response because: there are some material inaccuracies in their statement I waited fours for the repairman from Aguirre Appliance repair and he didn't show up within the alotted time He called a few minutes before noon to ask if I could wait but I could not I had already waited for four hours Assurian then sent another repair shop to come last Thursday 2/23/ between the hours of 8- The repairman called me at 10:00am to notify me that he would be at my apartment in minutes He then called minutes later to tell me that he had arrived and asked how to gain access to my building I told him that he had to call from the call box He then stated that there was no call box and further described where he was it turns out he was at least a half hour away at the wrong address The most upsetting part of his error was that he continued to argue with me that he was in the right place and then finally hung up I have now waiting for hours total for and extended service contract that I had paid $dollars for These people have so far demonstrated lack of respect for my time, have been rude, called me a liar, and hung up on me I refuse to accept service from them in the future and request a full refund for product and the service contact that I have been trying to access but have not been able to due to their incompetence
Initial Business Response / [redacted] (1000, 5, 2015/11/23) */ CONFIDENTIAL COMMUNICATION November 20, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We would like to apologize for any difficulties Ms [redacted] had understanding our phone agentsWe strive to exceed our customer's expectations, and make their experiences with our phone agents satisfying Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/08) */
CONFIDENTIAL COMMUNICATION March 15, # [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 inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Gettington Credit Account As the above referenced account is a revolving credit account, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the nextThe interest is calculated based on the account's current Variable Annual Percentage Rate (APR) of 20.15%, and the monthly charges will vary in relation to increases or reductions in the account balance from month to monthNew terms and conditions were sent to Ms [redacted] regarding the increase in her APR on January 13, This information can also be found by going to www.gettington.com and clicking "terms and conditions" at the bottom of the homepage We currently do not offer a lower APR Thank you for allowing us to explain and assist Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION May 31, # [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 AccountPlease see attached letter(s) of response as it exceeds the 2,max character count
CONFIDENTIAL COMMUNICATION April 13, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit AccountOur records indicate Mr [redacted] purchased a HP 4GB Windows Desktop Computer with a Year Service Plan on May 30, On January 14, Mr [redacted] contacted Fingerhut stating the computer was no longer working properlyAt this time he was told he would need to contact NEW (National Extended Warranty) for concerns regarding the computer as we require returns to be made in accordance to our return policy, which states: “We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are non refundableComputers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchanges or accept returnsOther product concerns must be handled under the manufacturers’ warrantySoftware and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanges are permitted for the identical product only.” Due to the length of time that has passed, Mr [redacted] will need to contact NEW at ###-###-####This plan began on June 1, His warranty contract number is FHI[redacted] Each month we did not receive a payment from Mr [redacted] resulted in a late feeWhen Mr [redacted] opened his Fingerhut Credit Account he agreed to the terms and conditionsWithin these terms and conditions it states, “Late fees will be equal to your minimum payment due with a maximum amount of $The maximum amount will increase to $if you did not make your minimum payment on time in any one of the prior billing cycles.” As a reminder to Mr [redacted] , his account with WebBank/Fingerhut is a revolving credit accountAs such, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the nextThe interest rate is calculated based on the account’s current Annual Percentage Rate of 25.15% and the monthly charges will vary in relation to increases or reductions in the account balance from month to monthAccording to an account review completed on April 13, 2016, Equifax, Experian and Trans Union are reporting accurately as Current/Pays as AgreedWe 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 your Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as wellAt this time Mr [redacted] ’s balance is $A minimum payment of $is due by May 2, Thank you for allowing us to explainSincerely, Vi [redacted] Executive Care Team VF/KS
Initial Business Response / [redacted] (1000, 7, 2015/08/13) */ CONFIDENTIAL COMMUNICATION August 13, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate an order was placed on our website for a Super Chef pcNonstick Cookware Set on March 18, We have no record of a Rachel Ray Cookware Set being placed on Ms [redacted] 's account Our return policy is listed on our website and in our catalogs and states, in part: 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 return After a thorough review of Ms [redacted] 's account, we have no record of her contacting us in reference with any problem for the CookwareUnfortunately, due to the length of time she has had the Cookware we are unable to accept the return On December 13, our records indicate an order placed for a Ragalta Thermo Electric Hot and Cold Water Cooler and a yrExtended Service Plan (ESP)On January 13, Ms [redacted] contacted us to advise she would be returning the Water Cooler because she did not like the itemOn March 28, we sent an "affidavit of non-receipt of returned merchandise" since we did not receive the returnOn April 30, 2014, a letter was sent to the address on file for Ms [redacted] advising we require a copy of her return receiptWe have no record of receiving the receiptWe suggest Ms [redacted] contact the shipping company she used to return the item for additional assistance Please understand we make every effort to apply our policies consistently and fairly to all of our customers and we are applying the policy the same for her as we would any other customer with similar circumstances Thank you for allowing us to assist and explain Sincerely, Vi [redacted] Executive Care Team VF/bw Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/08/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) What the rep has responded to is incorrect and she may claim there is no record of the complaints or disputes however those are lies Another reason why I don't exactly shop for products anymore because they do not honor their wordYes I purchased extended warranty for the product however, I can't make a claim on something that was returned because I cannot produce the product Thanks
I am rejecting this response because: I was involuntary unemployed the employer lied to avoid paying unemployment benefitsI have appealed and am awaiting response regarding my appeal to unemploymentI have proof the employer liedYour denying payment because the employer lied amd claimed is was willfull misconduct is ridiculousI was wrongfully terminated and I have even contacted lawyers still awaiting responseI do not accept your answer as I did nothing wrong to lose my job they jusr didnt want to pay me stolen overtime wages and vacation time
CONFIDENTIAL COMMUNICATION November 4, Revdex.com of Minnesota # [redacted] Attention: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the customer complaint filed with the Revdex.com by [redacted] , regarding his WebBank/Fingerhut Credit Account In the complaint the customer stated he purchased a cordless phone from Fingerhut, which was advertised as headset compatibleWhen the item was received by the customer it did not have the headset compatible feature the customer neededThe customer contacted Fingerhut Customer Service and was referred to the manufacturer, who referred the customer back to Fingerhut The customer’s desired resolution is for a phone system that is headset compatible to be sent to them at Fingerhut’s expense Our records indicate the customer placed an order on our website at www.fingerhut.com for item number SAAT&T Cordless Phone w/Answering System & Caller ID on October 15, When the order was placed the item was advertised as headset compatible We have investigated the issue and have subsequently changed the description to state item is not headset compatible Mr [redacted] returned the item to Fingerhut on October 27, and a full credit was issued to the customer’s Fingerhut credit account Although the website disclaimer in our Terms and Conditions states that Fingerhut, its affiliates and partners disclaim any liability as to the accuracy or completeness of each description, we do our utmost to ensure customer satisfaction with our products, accuracy of descriptions and the customer service we provide We apologize to our customer for any inconvenience we may have caused While we cannot send a new item for free we would like to help our customer locate a phone system with the desired featuresOur entire line of phone systems are located at www.fingerhut.com, or our Order Line would be glad to assistThe Fingerhut Order Line can be reached at ###-###-####, hours a day / days a week Thank you for this opportunity to explain Sincerely, Vi [redacted] Executive Care TeamVF/sm
CONFIDENTIAL COMMUNICATION March 28, 2016Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge Cir.Burnsville, MN 55337Re: 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] .Ms [redacted] ’s report of receiving unsatisfactory service is regrettable, as all agents are accountable to our quality and servicing standardsWithin these standards we make every effort to connect customers with a supervisor upon request (or referring a callback request if none are available, so that a supervisor will contact the customer within hours) and properly notating the account to maintain accurate records of the contact historyHowever, this is not sufficient grounds to change our position, and we cannot change/delete the account’s reporting history for the reasons in our previous response (return postage was sent to Ms [redacted] shortly after purchase but it was never returned, and she remained responsible for payment)Now that the account has been closed, we confirmed this status change has updated with the bureaus and now reports as “closed at the consumer’s request.” Having provided Ms [redacted] with all information available to us, we consider this matter closed.Sincerely,Vi ***Executive Care TeamVF/ah Tell us why here
Response sent as attachment.Thank you
I didn't get an letter for the company until after I filed an compliant and that is not the way to do businessWhy is the company running my credit all the time and I'm paying them on time each monthNot the way to do business at allNot a satisfied customer
CONFIDENTIAL COMMUNICATION May 23, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We have completed an in-depth review of Mr [redacted] ’ concerns regarding the time frame for our express shippingOur records indicate Mr [redacted] placed an order on May 11, for the Men’s Reebok Trailgrip Running Shoes in Brown size Mr [redacted] ’ order shipped on May 12, and per the tracking information from the UPS website the order was delivered on May 16, Express delivery means the order will ship within business day and delivered within business days from the time it leaves our warehouseBusiness days do not include weekends or holidaysThe timeframe for express delivery is listed on our websiteBased on the shipping and tracking information the requirements for express delivery were met and within the time frames stated Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
Initial Business Response / [redacted] (1000, 6, 2015/11/12) */ 1st call back attempted 11/ Initial Consumer Rebuttal / [redacted] (2000, 11, 2015/11/30) */
CONFIDENTIAL COMMUNICATION May 3, # [redacted] Revdex.com of Minnesota Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Mr [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Our records indicate an order was placed on April 4, for the New Balance Men’s 411VWalking Shoe Wide Size We sincerely apologize Mr [redacted] has experienced this inconvenience regarding the problem with the shoesWe are able to offer a replacement order for the shoes prior to receiving the return of the defective shoes, however, we cannot send the order without charging Mr [redacted] ’s account Mr [redacted] received a postage paid return label with the order for the shoesIf we place a new order on his account, upon receipt of the new order Mr [redacted] may return the defective shoes immediatelyPlease understand returns may take up to days to be received and processedMr [redacted] ’s monthly statement will cycle on May 17, If the new order is placed prior to the cycle date, Mr [redacted] ’s minimum payment would only change for one to two billing cycles depending on when the return is received If Mr [redacted] would like to place the order he may contact our order line at ###-###-####, days a week, hours a day Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/bw
Dear Ms***:Toll Free [redacted] April 27, 2016I am in receipt of your letter dated April 25, 2016, in regards to the above-referenced matter.I want to first and foremost apologize to [redacted] for any inconvenience that this has caused her.also want to assure her that this account has been closed and cancelled from my company by our clientas this account was placed in erro;.We strive to treat everyone with empathy and professionalism and I am sorry that this situationoccurredB [redacted] about this.Sincerely yours,
Initial Business Response / [redacted] (1000, 5, 2016/01/20) */ CONFIDENTIAL COMMUNICATION January 20, 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 Our records indicate on September 30, Ms [redacted] purchased three Visual Land Prestige Elite 8" 16GB Android Tablets with Keyboard CasesOn January 3, Ms [redacted] contacted Fingerhut stating her products are not working properlyWhile customer satisfaction if very important to us, we do require returns to be made in accordance with our Return Policy, which states: "We will grant exchange or issue a credit for full cash price within days of receiptAfter days, we will no longer grant an exchange or issue a refundShipping and handling charges are non refundableComputers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash priceAfter that time we can no longer grant exchanges or accept returnsOther product concerns must be handled under the manufacturers' warrantySoftware and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intactExchanges are permitted for the identical product only." For all concerns with these products Ms [redacted] will need to contact the manufacturer, Visual Land Inc., at [redacted] We apologize for any inconvenience this may causeThank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS
July 7, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account Ms [redacted] states that she ordered a product which was damaged and when she tried to contact Fingerhut regarding returning the product she never received a response email Ms [redacted] ’s account indicates an order was placed on May 3, via the web for a Ragalta 4-PcCanister Set – Red and delivered to [redacted] Winchester, KY on May 6, Our records indicate we received an email from Ms [redacted] on May 31, indicating she was unhappy with the product, there was rust on the lid and the paint was coming off A representative responded to Ms [redacted] ’s email on June 1, apologizing for the issue and advising her to check the packing slip for a return label and to follow the instructions to return the productThe representative also advised her to contact us if she did not receive a return label and let us know if she would like the label sent via U.SMail or email Records indicate we received a second email from Ms [redacted] indicating she did not receive a reply to her first email and is now stuck paying for a product that is no goodA representative responded to Ms [redacted] on June 14, apologized and inquired if she would like the return label sent via U.SMail or email Our records indicate we received a reply from Ms [redacted] on July 1, indicating she would like the label sent to her via U.SMailA reply was sent to Ms [redacted] on July 1, informing her a label would be mailed and to allow up to business days to receive itShe was also advised to indicate if she would like a credit or an exchange and to allow 10-days for us to receive and process the return While we sympathize with Ms [redacted] , We strongly advise customers keep their account in good standing by making the minimum amount due each month, even while engaged in a dispute or in the process of a return until the issue has been resolved Ms [redacted] ’s current balance on her account is $with a minimum payment of $due by July 13, If Ms [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:AM – 8:PM Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/ca
[redacted] CONFIDENTIAL COMMUNICATION April 11, Revdex.com of Minnesota Attn: [redacted] SRiver Ridge Circle Burnsville, MN Re: Mr [redacted] Case #: [redacted] Dear Ms [redacted] , We are writing in response to a second inquiry received from your office on behalf Mr [redacted] regarding a WebBank/Fingerhut credit accountEnclosed are a statement of account activity, credit application and Terms and ConditionsMr [redacted] states that he was unaware about a Fingerhut account until he saw the WebBank/Fingerhut trade line on his credit reportMr [redacted] further states that there is inaccurate information being reported to the credit bureausMr***’s desired resolution is to have the WebBank/Fingerhut trade line deleted from his credit reportAs stated our initial response, an application was processed online June 17, with Mr***’ name, address and social security numberAn order was placed online September 8, for a Save 32% Avirex Men's Rattler Jean, Denim, 38W 34L, a Save 30% Ecko Unltd Standout Jean Denim, 38, a Save 31% Ecko Unltd Mn EU Short Denim, 36, and a Save 30% Ecko Unltd Standout Jean Black Denim, The merchandise was shipped September 9, via FedEx to [redacted] Wheatland, IN No payments were made on this accountThe unpaid balance of $charged off on April 17, and the account was sold to Jefferson Capital Systems on August 2, Fingerhut is no longer collecting on this account An account review on March 17, confirmed that Experian and Trans Union are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance of zeroNothing is reporting to Experian, as Fingerhut did not begin reporting to Experian until October We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Mr***’ Welcome PacketIt states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as wellIf Mr [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly at ###-###-####As Mr [redacted] continues to allege he has no knowledge of this account, we referred this matter to our Credit Risk Department for further reviewAs a result of their investigation, a police report is required in order to contact a full fraud investigationTo date, we have not received a completed police report regarding this matterMr [redacted] may send the police report to the following address: Fingerhut Attn: Fraud Department [redacted] StCloud, MN Mr [redacted] may also fax the police report to ###-###-#### Attn: FraudPlease include the customer or account number on the fax so we can locate the accountIf Mr [redacted] has further questions or concerns, he may contact the Fraud Department at ###-###-####Their hours are Monday – Friday 8:00am – 6:00pm Central TimeThank you for allowing us to explainSincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures
CONFIDENTIAL COMMUNICATION May 9, Revdex.com of Minnesota # [redacted] Attn: [redacted] SRiver Ridge CirBurnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the further inquiry we received from your office on behalf of Ms [redacted] ***To confirm to Ms***, we received the Chef’s mark Countertop IceCube Maker as a return earlier todayHer warranty claim has been approved, and a replacement order for the same item has been submitted at no cost to Ms***Ms [redacted] should allow up to hours from this response to receive shipping confirmation and a tracking number for the replacement order at her [email protected] email address on fileMs [redacted] may re-open this inquiry if she has an issue after receiving the new ice maker, but at this time we consider this matter closed and resolvedThank you for allowing us to explainSincerely, Vi [redacted] Executive Care Team VF/ah
CONFIDENTIAL COMMUNICATION January 12, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] – ***, [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account In Ms***’s inquiry, she states two payments of $were made in error, and she wanted to cancel one of the duplicated paymentsMs [redacted] also states, one payment was reversed and one was cancelledMs [redacted] wants her $payment to show on her account After reviewing Ms***’s account, we show two payments were indeed made in the amount of $After these payments cleared, we reversed one payment to the credit card usedWe do not show a payment being cancelledWe show a payment of $was processed to Ms***’s WebBank/Fingerhut Advantage Account on December 02, We apologize for any inconvenience this may have causedIf Ms [redacted] has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:am and 8:pm, Central Time, Monday-Friday Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/AH
I am rejecting this response because: there are some material inaccuracies in their statement I waited fours for the repairman from Aguirre Appliance repair and he didn't show up within the alotted time He called a few minutes before noon to ask if I could wait but I could not I had already waited for four hours Assurian then sent another repair shop to come last Thursday 2/23/ between the hours of 8- The repairman called me at 10:00am to notify me that he would be at my apartment in minutes He then called minutes later to tell me that he had arrived and asked how to gain access to my building I told him that he had to call from the call box He then stated that there was no call box and further described where he was it turns out he was at least a half hour away at the wrong address The most upsetting part of his error was that he continued to argue with me that he was in the right place and then finally hung up I have now waiting for hours total for and extended service contract that I had paid $dollars for These people have so far demonstrated lack of respect for my time, have been rude, called me a liar, and hung up on me I refuse to accept service from them in the future and request a full refund for product and the service contact that I have been trying to access but have not been able to due to their incompetence
Initial Business Response / [redacted] (1000, 5, 2015/11/23) */ CONFIDENTIAL COMMUNICATION November 20, Revdex.com of Minnesota # [redacted] Attn: [redacted] S River Ridge Circle Burnsville, MN Re: Case # [redacted] - [redacted] , [redacted] Dear Ms [redacted] , I am writing in response to the inquiry we received from your office on behalf of Ms [redacted] regarding a WebBank/Fingerhut Advantage Credit Account We would like to apologize for any difficulties Ms [redacted] had understanding our phone agentsWe strive to exceed our customer's expectations, and make their experiences with our phone agents satisfying Thank you for allowing us to explain Sincerely, Vi [redacted] Executive Care Team VF/KS Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/08) */