Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[You still did not address us being wrongfully billed in the amount of $327.39 from our previous ([redacted] address and it being turned over to [redacted]. I've called them as well as Verizon about clearing this up and it is still not resolved. I just received another notice to pay this balance that I do not owe. Verizon made the mistake of opening up another account at this address after we closed it out and moved...they apologized and said they would close it out but later we got a bill so Verizon never did close it or fix it.]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
Dylisia Sims
A refund check #[redacted] for $795.20 was issued to [redacted] on 3/**/2017. She should receive the check in 7-10 business days. An email confirming this was sent to [redacted] on 3/**/2017
response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because: They have contacted me directly by phone and to my knowledge, they are still investigating the case. I was told that someone will contact me again on this matter and I am still waiting for their response. Therefore, this case is STILL open and has not been resolved yet.
Sincerely,[redacted]
Initial Business Response /* (1000, 8, 2016/02/29) */
CONFIDENTIAL COMMUNICATION
February 26, 2016
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [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]'s account indicates he purchased a Bissell PowerGlide Premiere Pet vacuum with a 2 Year Service Plan totaling $313.97 on October 5, 2014.
We received the return of the Bissell PowerGlide Premiere Pet Vacuum on January 16, 2015 with a reason of "Difficult to Assemble" and the account received credit for the merchandise price. However, the original shipping/handling is non-refundable on return merchandise, and a return postage fee was deducted from the credit because it was sent back to us for a "non-qualifying" return reason (An example of a "qualifying" reason would be in cases of a defect or damage not caused by the customer, which in most cases Fingerhut covers this cost.).
Fingerhut's Return Policy:
We will issue an exchange or refund for most items returned in new condition within 30 days (60 days for Fingerhut Choice Plus members) of receipt. No returns will be accepted after the home trial period without prior return authorization from Fingerhut. Returns accepted after the home trial period may result in prorated cash or credit adjustments based on the age and condition of the product. Returns will not be accepted for credit after 180 days. Other product concerns must be handled under the manufacturer's warranty. Shipping and handling charges are non-refundable. Return postage is the responsibility of the customer.
Music, movies video games and software must be returned unopened with the factory seal intact. Exchanges are permitted for identical product only. Computers, camcorders, digital cameras, electronic game systems, air conditioners, Holiday decorations, heaters and generators must be returned within the 30-day home trial period. Products sold in sets must be returned as sets; partial returns will not be accepted. Personalized Products, Made-To-Measure Window Treatments may only be returned for credit if they are damaged or defective. Exchanges are permitted for identical product only. Gift cards cannot be returned. Other restrictions may apply.
Our records indicate no payments were made and the subsequently the account was assessed with Late Fees and finance charges.
Our records indicate that due to severe delinquency, the WebBank/Fingerhut Advantage Credit Account charged off on June 20, 2015 with a balance of $199.20 and was then sold to [redacted] on June 30, 2015.
As a courtesy to Mr. [redacted] we will be purchasing the account back from [redacted] and closing it. Additionally, we will request that this be removed from Mr. [redacted]'s credit bureau report and advise that this may take up to 60 days to process.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
Initial Consumer Rebuttal /* (2000, 10, 2016/03/10) */
Please be advised Verizon records show a technician was dispatched Saturday September *, 2015 and replaced the Optical Network Terminal. We spoke to [redacted] September *, 2015 and she confirmed everything was working. We have issued credits for all the services for the time they were...
not working. We trust this provides your office with the information required in this matter. Thank you, Ms. M[redacted] Sr. Analyst Verizon Executive Relations
CONFIDENTIAL COMMUNICATION
March 17, 2016
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
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 WebBank/Fingerhut Credit Account.
Mr. [redacted] states that he closed his WeBank/Fingerhut in August 2015, but is still being charged interest. Mr. [redacted] requests that his account be closed so that no further fees accrue. Additionally, he disputes the debt owed and asks that it be credited.
According to our records, an application for credit was processed online May 30, 2014. The name and address on the application is the same one provided when contacting us regarding this issue.
The first order was placed on June 9, 2014 for a Skechers Men's Brice - Oden Low Boot. The merchandise was shipped by UPS to the address provided on the application.
According to our records, Mr. [redacted] purchased $1,775.39 in merchandise between May 25, 2015 and June 28, 2015. Three of the orders were purchased with deferred billing. When the deferred billing on the purchases expired, the minimum due increased from $29.99 a month to 5% of the balance which was reflected on Mr. [redacted]'s monthly statements.
Based on Mr. [redacted]'s previous request, his account was closed on August 21, 2015. Any outstanding balance will continue to accrue interest and Mr. [redacted] may be assessed late fees and his account is still subject to the original terms and conditions of the agreement.
According to our records, monthly payments were received and processed on time until September 2015. No payments were recevied in September, October or November 2015.
When a payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date.
On November 23, 2015 Mr. [redacted] agreed to a nine month reduced payment plan for $65.00 a month starting on December 2, 2015 with reduced interest (14.9%) and no late fees.
According to our records, Mr. [redacted] made three payments for $65.00 on December 2, 2015, January 3, 2016 and February 2, 2016. The balance on the account went from $2,609.63 on November 22, 2015 to $2,508.88 as of March 17, 2016.
No payment was received for March 2, 2016 as the scheduled payment was declined by Mr. [redacted]'s bank. The remaining scheduled payments were disabled.
Mr. [redacted] may contact our Billing Department at [redacted] to reschedule the remaining payments for the payment plan. Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time.
An account review on March 16, 2016, confirmed that Equifax, Experian and Trans Union are reporting Mr. [redacted]'s account accurately as "closed at customer's request" and "Paying under a Partial Payment agreement." The delinquencies for October, November and December 2015 and January and February 2016 are accurate.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]'s Welcome Packet. It 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.
Per Mr. [redacted]'s request, we have revoked consent to call on the phone numbers currently associated with his account ([redacted]). If Mr. [redacted] would like to cease all further communication regarding his account, he may request that a Cease and Desist be placed on his account.
If Mr. [redacted] wishes to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted], St. Cloud, MN, 56303. Mr. [redacted] may also contact our Billing Department at [redacted].
Please note, if a cease and desist status is placed on Mr. [redacted]'s account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desist. A monthly statement will continue to be mailed.
Instructions for filing a formal billing dispute are on the back of Mr. [redacted]'s monthly billing statement.
Thank you for the opportunity to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
Verizon’s Fiber Solutions Center reached the customer on7/*/15 and he stated that he was no longer having an issue with his FiOS VideoService and it was working to his satisfaction. Verizon reviewed the accountfor Video out of service credit which, in accordance with the tariff, isprovided based...
upon repair repots for out of service conditions for periods inexcess of 24 hours. The customer had two reports. The first was on 6/**/15 andwhen the tech had the customer reboot the router and the trouble was resolved.The second was on 6/**/15 for a fax issue that was resolved and not related tothe Video service.
The order number provided could not be found. We will need to speak with [redacted] in order to look further into this concern. Several attempts were made to reach the customer without success and a call me letter was mailed
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
Their response doesn't resolve my problems with their service For over a year they have been promising FIOS service very shortly and note that they don't give a date of service.Their lack of reliable service is not acceptable and I am having to switch to a more expensive provider as I need the phone to work reliably in an emergency which it didn't last month when I needed to call 911 for an ambulance and the phone service didn't work.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Revdex.com:
I have been contacted by Verizon.And the issue regarding my service for home phone and internet have been resolved by Verizon.All is working now.Thank you for your assistance in this matter.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
A customer service representative contacted the customer and advised that she does have the enhanced but with the speed of 1-3mbps. She does not qualify for the 3-7mbps and is not being billed for that speed. The representative also advised that if we downgrade her, the speed...
would be from 512k-1m so she would not recommend decreasing the speed for this reason. The customer agrees and asks that the speed stay the same. The representative issued a $15 credit for 12 months due to her issues.
On 9/**/16, a Verizon representative reviewed the account with the customer and explained the bills in detail. Charges totaling $1,092.52 for unreturned equipment was issued as credit to the account and reflects on the 5/**/16 bill. Credits were issued on 9/6 for $82.44 as customer advised they did not move to their new location until 4/1. On 9/**/16, a credit was issued totaling l $90.08 for the activation fee. The representative also advised our records show the balance as of 8/**/16 is $959.67 and is correct. Verizon’s Financial services has attempted to contact the customer with no success. Financial services have provided their contact information via voicemail and [redacted].
CONFIDENTIAL COMMUNICATION June 10, 2016 Revdex.com of Minnesota ...
...⇄ #[redacted] Attn: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account. Attached is a statement of account activity. Mr. [redacted] states payments are being made on time each month, but Fingerhut is not applying the payments to his account. Mr. [redacted] further states that after one of his payments was processed successfully, Fingerhut continued to run additional payments until his credit card locked up. Mr. [redacted] is requesting an investigation because Fingerhut is calling him in an attempt to collect payments. Mr. [redacted] states he can prove that payments have already been made. Based on our research, the balance on Mr. [redacted]’s account was zero when he placed an order on November 22, 2015. An additional order was placed on December 21, 2015 with the first payment of $46.99 being due on January 7, 2016. According to our records, Mr. [redacted] spoke with an agent on January 11, 2016 but declined to make a payment. Mr. [redacted] stated that someone else would be making a payment on his account. There is no record of any attempted payments being made on Mr. [redacted]’s bill until March 1, 2016 when a $40.00 payment was processed successfully online with an American Express debit card. On April 1, 2016, there were five attempts to process a payment online for $60.00, $60.00, $80.00, $180.00 and $186.00. Each of the five payment attempts were declined. Please note that when a payment declines, the cardholder will see a “Pending Authorization” on their card. This authorization will be removed and the funds are released back to the card after approximately two to five days. On May 24, 2016, Mr. [redacted] enrolled in a three-month payment plan. On June 5, 2016, the first of three $59.99 payments was processed successfully. The remaining two payments are scheduled to process on July 5, 2016 and August 5, 2016. After successful completion, Mr. [redacted]’s account will be brought current. As of June 10, 2016, Mr. [redacted]’s balance on his account is $959.70. Based on the call logs associated with Mr. [redacted]’s account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern Standard Time. Our records also indicate Fingerhut never attempted to contact Mr. [redacted] more than six times in a day while his account was in a delinquent status. If Mr. Reeder has further questions, he may contact our Billing Department at ###-###-####. Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/lg Enclosure
I am rejecting this response because:The bank has stated that nothing has changed with account numbers at all. These derogatory remarks must be corrected.
I am rejecting this response because:I have sent...
them everything they have requested I have sent them the information with the Chelan County Sheriff's Department that no report would be taken as the perk the package was not stolen from my porch the Box showed up empty untampered with until I opened it and found nothing in it I feel that I am getting the total run around I have ordered other major purchases from this company ordered a TV a laptop computer and had no problems with them now when I order the iPhone 6s and they're outside supplier in shipper is the one that did not place the item in the box when shipped I have sent all information for the Chelan County Sheriff's Department to them I have also showed sent them the information for the prosecuting attorney for Chelan County and also the Attorney General's Office of the State of Washington they need to investigate their supplier as their supplier is not supplying what they are supposed to be shipping I can guarantee you whoever packaged this box that the shipper will know who packaged it and I guarantee you that person most likely has my iPhone 6 in their back pocket in the meantime they are still making me pay for this phone even though I never received it and as far as my conversation with the people on their call in what they are stating is a bunch of Lies I called them four times and each time I was very rudely spoken to the last time I was told the blank F off and they hung up on me their customer service call bank is located in either India or Pakistan that's the only type of people that you could get the could not speak English early at all and they were very very rude all I know is I want my iPhone 6s that I ordered and that and that I have already paid $300 on while waiting for it to ride which I have not received and it looks like they're going to force me to pay the remaining balance or be turned over to collections I want my iPhone 6s that's all I'm asking for I'm not trying to rip anybody off I'm not trying to call a scam I want my product that I ordered and that I'm being forced to pay for it but they definitely need to investigate and contact their supplier that they use outside the company to supply the iPhone 6s and ship to their customers because there's their supplier is ripping not just me off the ripping the company offex
Thank you for referring the complaint of [redacted] to our office for review. We appreciate your bringing this matter to our attention. Research shows service order [redacted] completed 08/**/15 establishing service on Vacation. Records show on 10/**/15 service order [redacted]...
completed 10/**/15 disconnecting service for non-payment. Research determined [redacted] previously established payment arrangements with Verizon Financials. Additional research determined the payment arrangement was not upheld, which resulted in the disconnection of service. Once the balance has been brought to zero [redacted] would need to re-apply for service. A Verizon representative spoke with [redacted] who indicated satisfaction with the resolution. We trust this information will assist you in closing this complaint. If you have any questions regarding this matter, please do not hesitate to contact me at */###-###-####. Thank you, Amy B. Verizon Executive Customer Relations **###-###-####
Initial Business Response /* (1000, 6, 2015/11/25) */
CONFIDENTIAL COMMUNICATION
November 25, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
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 July 23, 2015 Ms. [redacted] purchased a Clean Spin Mop with Press Handle with a 1 Year Service Plan. On November 13, 2015 Ms. [redacted] requested the warranty information for the mop. On November 18, 2015 Ms. [redacted] informed us the product was broken. While customer satisfaction is 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 30 days of receipt. After 180 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are non refundable. Computers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers' warranty. Software and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only."
As stated above when Ms. [redacted] purchased the mop she also purchased a 1 Year Service Plan which begins on July 26, 2016. This Service Plan is though NEW (National Extended Warranty), she may contact them at [redacted]. Her warranty contract number is [redacted].
For all concerns with the product we recommend Ms. [redacted] contact the products manufacturer, Viatek Products, at [redacted].
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 8, 2015/11/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I contacted manufacturer already and had to leave a message n no response. the extended service plan company said they do not cover mops and I was sold a extended service plan errounsley. I placed the gentleman name in the original report.
I should ask finger hut for a refund on the extended warrant.
at this point I just want my mop exchanged with fingerhut. my 6.99 credited back.
If this can't get fixed I will take further and I would choose not to do business with them anymore
Final Business Response /* (4000, 10, 2015/12/07) */
CONFIDENTIAL COMMUNICATION
December 3, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
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 WebBank/Fingerhut Advantage Credit Account.
As we have previously stated, Ms. [redacted] will need to contact the manufacturer, Viatek Products, at [redacted] for all issues concerning the mop.
The warranty she purchased with her product begins on July 26, 2016 with NEW (National Extended Warranty). Until that date, Ms. [redacted] will need to contact Viatek Products.
We have provided Ms. [redacted] with all the information we have available. Fingerhut considers this matter closed.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Verizon's position remains the same. The Early Termination Fee will not be waived. The change was shown on [redacted] invoice, and he also sent an email confirming the addition of the new term.
I spoke to [redacted] on 3/*/17. [redacted] questioned when a suspension notice had been sent. I advised that Verizon first called on 1/**/17 and advised of the pending suspension for nonpayment. A letter was then mailed on 1/**/17 advising of the same. Payment was not received and services were suspended. I advised that the restoral fee of $260.70 billed on 12/**/16 was incorrect. The account billed the restoral fee three times as there were three orders processed to restore services. A credit in the amount of $200.63 was applied to the account for the incorrect charges billed. [redacted] understood and was satisfied with the explanation and resolution.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[You still did not address us being wrongfully billed in the amount of $327.39 from our previous ([redacted] address and it being turned over to [redacted]. I've called them as well as Verizon about clearing this up and it is still not resolved. I just received another notice to pay this balance that I do not owe. Verizon made the mistake of opening up another account at this address after we closed it out and moved...they apologized and said they would close it out but later we got a bill so Verizon never did close it or fix it.]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
Dylisia Sims
A refund check #[redacted] for $795.20 was issued to [redacted] on 3/**/2017. She should receive the check in 7-10 business days. An email confirming this was sent to [redacted] on 3/**/2017
Revdex.com:I have reviewed the...
response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because: They have contacted me directly by phone and to my knowledge, they are still investigating the case. I was told that someone will contact me again on this matter and I am still waiting for their response. Therefore, this case is STILL open and has not been resolved yet.
Sincerely,[redacted]
Initial Business Response /* (1000, 8, 2016/02/29) */
CONFIDENTIAL COMMUNICATION
February 26, 2016
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [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]'s account indicates he purchased a Bissell PowerGlide Premiere Pet vacuum with a 2 Year Service Plan totaling $313.97 on October 5, 2014.
We received the return of the Bissell PowerGlide Premiere Pet Vacuum on January 16, 2015 with a reason of "Difficult to Assemble" and the account received credit for the merchandise price. However, the original shipping/handling is non-refundable on return merchandise, and a return postage fee was deducted from the credit because it was sent back to us for a "non-qualifying" return reason (An example of a "qualifying" reason would be in cases of a defect or damage not caused by the customer, which in most cases Fingerhut covers this cost.).
Fingerhut's Return Policy:
We will issue an exchange or refund for most items returned in new condition within 30 days (60 days for Fingerhut Choice Plus members) of receipt. No returns will be accepted after the home trial period without prior return authorization from Fingerhut. Returns accepted after the home trial period may result in prorated cash or credit adjustments based on the age and condition of the product. Returns will not be accepted for credit after 180 days. Other product concerns must be handled under the manufacturer's warranty. Shipping and handling charges are non-refundable. Return postage is the responsibility of the customer.
Music, movies video games and software must be returned unopened with the factory seal intact. Exchanges are permitted for identical product only. Computers, camcorders, digital cameras, electronic game systems, air conditioners, Holiday decorations, heaters and generators must be returned within the 30-day home trial period. Products sold in sets must be returned as sets; partial returns will not be accepted. Personalized Products, Made-To-Measure Window Treatments may only be returned for credit if they are damaged or defective. Exchanges are permitted for identical product only. Gift cards cannot be returned. Other restrictions may apply.
Our records indicate no payments were made and the subsequently the account was assessed with Late Fees and finance charges.
Our records indicate that due to severe delinquency, the WebBank/Fingerhut Advantage Credit Account charged off on June 20, 2015 with a balance of $199.20 and was then sold to [redacted] on June 30, 2015.
As a courtesy to Mr. [redacted] we will be purchasing the account back from [redacted] and closing it. Additionally, we will request that this be removed from Mr. [redacted]'s credit bureau report and advise that this may take up to 60 days to process.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
Initial Consumer Rebuttal /* (2000, 10, 2016/03/10) */
Please be advised Verizon records show a technician was dispatched Saturday September *, 2015 and replaced the Optical Network Terminal. We spoke to [redacted] September *, 2015 and she confirmed everything was working. We have issued credits for all the services for the time they were...
not working. We trust this provides your office with the information required in this matter. Thank you, Ms. M[redacted] Sr. Analyst Verizon Executive Relations
CONFIDENTIAL COMMUNICATION
March 17, 2016
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
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 WebBank/Fingerhut Credit Account.
Mr. [redacted] states that he closed his WeBank/Fingerhut in August 2015, but is still being charged interest. Mr. [redacted] requests that his account be closed so that no further fees accrue. Additionally, he disputes the debt owed and asks that it be credited.
According to our records, an application for credit was processed online May 30, 2014. The name and address on the application is the same one provided when contacting us regarding this issue.
The first order was placed on June 9, 2014 for a Skechers Men's Brice - Oden Low Boot. The merchandise was shipped by UPS to the address provided on the application.
According to our records, Mr. [redacted] purchased $1,775.39 in merchandise between May 25, 2015 and June 28, 2015. Three of the orders were purchased with deferred billing. When the deferred billing on the purchases expired, the minimum due increased from $29.99 a month to 5% of the balance which was reflected on Mr. [redacted]'s monthly statements.
Based on Mr. [redacted]'s previous request, his account was closed on August 21, 2015. Any outstanding balance will continue to accrue interest and Mr. [redacted] may be assessed late fees and his account is still subject to the original terms and conditions of the agreement.
According to our records, monthly payments were received and processed on time until September 2015. No payments were recevied in September, October or November 2015.
When a payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date.
On November 23, 2015 Mr. [redacted] agreed to a nine month reduced payment plan for $65.00 a month starting on December 2, 2015 with reduced interest (14.9%) and no late fees.
According to our records, Mr. [redacted] made three payments for $65.00 on December 2, 2015, January 3, 2016 and February 2, 2016. The balance on the account went from $2,609.63 on November 22, 2015 to $2,508.88 as of March 17, 2016.
No payment was received for March 2, 2016 as the scheduled payment was declined by Mr. [redacted]'s bank. The remaining scheduled payments were disabled.
Mr. [redacted] may contact our Billing Department at [redacted] to reschedule the remaining payments for the payment plan. Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time.
An account review on March 16, 2016, confirmed that Equifax, Experian and Trans Union are reporting Mr. [redacted]'s account accurately as "closed at customer's request" and "Paying under a Partial Payment agreement." The delinquencies for October, November and December 2015 and January and February 2016 are accurate.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]'s Welcome Packet. It 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.
Per Mr. [redacted]'s request, we have revoked consent to call on the phone numbers currently associated with his account ([redacted]). If Mr. [redacted] would like to cease all further communication regarding his account, he may request that a Cease and Desist be placed on his account.
If Mr. [redacted] wishes to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted], St. Cloud, MN, 56303. Mr. [redacted] may also contact our Billing Department at [redacted].
Please note, if a cease and desist status is placed on Mr. [redacted]'s account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desist. A monthly statement will continue to be mailed.
Instructions for filing a formal billing dispute are on the back of Mr. [redacted]'s monthly billing statement.
Thank you for the opportunity to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
Verizon’s Fiber Solutions Center reached the customer on7/*/15 and he stated that he was no longer having an issue with his FiOS VideoService and it was working to his satisfaction. Verizon reviewed the accountfor Video out of service credit which, in accordance with the tariff, isprovided based...
upon repair repots for out of service conditions for periods inexcess of 24 hours. The customer had two reports. The first was on 6/**/15 andwhen the tech had the customer reboot the router and the trouble was resolved.The second was on 6/**/15 for a fax issue that was resolved and not related tothe Video service.
The order number provided could not be found. We will need to speak with [redacted] in order to look further into this concern. Several attempts were made to reach the customer without success and a call me letter was mailed
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
Their response doesn't resolve my problems with their service For over a year they have been promising FIOS service very shortly and note that they don't give a date of service.Their lack of reliable service is not acceptable and I am having to switch to a more expensive provider as I need the phone to work reliably in an emergency which it didn't last month when I needed to call 911 for an ambulance and the phone service didn't work.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Revdex.com:
I have been contacted by Verizon.And the issue regarding my service for home phone and internet have been resolved by Verizon.All is working now.Thank you for your assistance in this matter.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
A customer service representative contacted the customer and advised that she does have the enhanced but with the speed of 1-3mbps. She does not qualify for the 3-7mbps and is not being billed for that speed. The representative also advised that if we downgrade her, the speed...
would be from 512k-1m so she would not recommend decreasing the speed for this reason. The customer agrees and asks that the speed stay the same. The representative issued a $15 credit for 12 months due to her issues.
The customer can also get more information at [redacted].
On 9/**/16, a Verizon representative reviewed the account with the customer and explained the bills in detail. Charges totaling $1,092.52 for unreturned equipment was issued as credit to the account and reflects on the 5/**/16 bill. Credits were issued on 9/6 for $82.44 as customer advised they did not move to their new location until 4/1. On 9/**/16, a credit was issued totaling l $90.08 for the activation fee. The representative also advised our records show the balance as of 8/**/16 is $959.67 and is correct. Verizon’s Financial services has attempted to contact the customer with no success. Financial services have provided their contact information via voicemail and [redacted].
CONFIDENTIAL COMMUNICATION June 10, 2016 Revdex.com of Minnesota ...
...⇄ #[redacted] Attn: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account. Attached is a statement of account activity. Mr. [redacted] states payments are being made on time each month, but Fingerhut is not applying the payments to his account. Mr. [redacted] further states that after one of his payments was processed successfully, Fingerhut continued to run additional payments until his credit card locked up. Mr. [redacted] is requesting an investigation because Fingerhut is calling him in an attempt to collect payments. Mr. [redacted] states he can prove that payments have already been made. Based on our research, the balance on Mr. [redacted]’s account was zero when he placed an order on November 22, 2015. An additional order was placed on December 21, 2015 with the first payment of $46.99 being due on January 7, 2016. According to our records, Mr. [redacted] spoke with an agent on January 11, 2016 but declined to make a payment. Mr. [redacted] stated that someone else would be making a payment on his account. There is no record of any attempted payments being made on Mr. [redacted]’s bill until March 1, 2016 when a $40.00 payment was processed successfully online with an American Express debit card. On April 1, 2016, there were five attempts to process a payment online for $60.00, $60.00, $80.00, $180.00 and $186.00. Each of the five payment attempts were declined. Please note that when a payment declines, the cardholder will see a “Pending Authorization” on their card. This authorization will be removed and the funds are released back to the card after approximately two to five days. On May 24, 2016, Mr. [redacted] enrolled in a three-month payment plan. On June 5, 2016, the first of three $59.99 payments was processed successfully. The remaining two payments are scheduled to process on July 5, 2016 and August 5, 2016. After successful completion, Mr. [redacted]’s account will be brought current. As of June 10, 2016, Mr. [redacted]’s balance on his account is $959.70. Based on the call logs associated with Mr. [redacted]’s account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern Standard Time. Our records also indicate Fingerhut never attempted to contact Mr. [redacted] more than six times in a day while his account was in a delinquent status. If Mr. Reeder has further questions, he may contact our Billing Department at ###-###-####. Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Standard Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/lg Enclosure
I am rejecting this response because:The bank has stated that nothing has changed with account numbers at all. These derogatory remarks must be corrected.
I am rejecting this response because:I have sent...
them everything they have requested I have sent them the information with the Chelan County Sheriff's Department that no report would be taken as the perk the package was not stolen from my porch the Box showed up empty untampered with until I opened it and found nothing in it I feel that I am getting the total run around I have ordered other major purchases from this company ordered a TV a laptop computer and had no problems with them now when I order the iPhone 6s and they're outside supplier in shipper is the one that did not place the item in the box when shipped I have sent all information for the Chelan County Sheriff's Department to them I have also showed sent them the information for the prosecuting attorney for Chelan County and also the Attorney General's Office of the State of Washington they need to investigate their supplier as their supplier is not supplying what they are supposed to be shipping I can guarantee you whoever packaged this box that the shipper will know who packaged it and I guarantee you that person most likely has my iPhone 6 in their back pocket in the meantime they are still making me pay for this phone even though I never received it and as far as my conversation with the people on their call in what they are stating is a bunch of Lies I called them four times and each time I was very rudely spoken to the last time I was told the blank F off and they hung up on me their customer service call bank is located in either India or Pakistan that's the only type of people that you could get the could not speak English early at all and they were very very rude all I know is I want my iPhone 6s that I ordered and that and that I have already paid $300 on while waiting for it to ride which I have not received and it looks like they're going to force me to pay the remaining balance or be turned over to collections I want my iPhone 6s that's all I'm asking for I'm not trying to rip anybody off I'm not trying to call a scam I want my product that I ordered and that I'm being forced to pay for it but they definitely need to investigate and contact their supplier that they use outside the company to supply the iPhone 6s and ship to their customers because there's their supplier is ripping not just me off the ripping the company offex
Thank you for referring the complaint of [redacted] to our office for review. We appreciate your bringing this matter to our attention. Research shows service order [redacted] completed 08/**/15 establishing service on Vacation. Records show on 10/**/15 service order [redacted]...
completed 10/**/15 disconnecting service for non-payment. Research determined [redacted] previously established payment arrangements with Verizon Financials. Additional research determined the payment arrangement was not upheld, which resulted in the disconnection of service. Once the balance has been brought to zero [redacted] would need to re-apply for service. A Verizon representative spoke with [redacted] who indicated satisfaction with the resolution. We trust this information will assist you in closing this complaint. If you have any questions regarding this matter, please do not hesitate to contact me at */###-###-####. Thank you, Amy B. Verizon Executive Customer Relations **###-###-####
Initial Business Response /* (1000, 6, 2015/11/25) */
CONFIDENTIAL COMMUNICATION
November 25, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
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 July 23, 2015 Ms. [redacted] purchased a Clean Spin Mop with Press Handle with a 1 Year Service Plan. On November 13, 2015 Ms. [redacted] requested the warranty information for the mop. On November 18, 2015 Ms. [redacted] informed us the product was broken. While customer satisfaction is 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 30 days of receipt. After 180 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are non refundable. Computers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers' warranty. Software and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only."
As stated above when Ms. [redacted] purchased the mop she also purchased a 1 Year Service Plan which begins on July 26, 2016. This Service Plan is though NEW (National Extended Warranty), she may contact them at [redacted]. Her warranty contract number is [redacted].
For all concerns with the product we recommend Ms. [redacted] contact the products manufacturer, Viatek Products, at [redacted].
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 8, 2015/11/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I contacted manufacturer already and had to leave a message n no response. the extended service plan company said they do not cover mops and I was sold a extended service plan errounsley. I placed the gentleman name in the original report.
I should ask finger hut for a refund on the extended warrant.
at this point I just want my mop exchanged with fingerhut. my 6.99 credited back.
If this can't get fixed I will take further and I would choose not to do business with them anymore
Final Business Response /* (4000, 10, 2015/12/07) */
CONFIDENTIAL COMMUNICATION
December 3, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
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 WebBank/Fingerhut Advantage Credit Account.
As we have previously stated, Ms. [redacted] will need to contact the manufacturer, Viatek Products, at [redacted] for all issues concerning the mop.
The warranty she purchased with her product begins on July 26, 2016 with NEW (National Extended Warranty). Until that date, Ms. [redacted] will need to contact Viatek Products.
We have provided Ms. [redacted] with all the information we have available. Fingerhut considers this matter closed.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Verizon's position remains the same. The Early Termination Fee will not be waived. The change was shown on [redacted] invoice, and he also sent an email confirming the addition of the new term.
I spoke to [redacted] on 3/*/17. [redacted] questioned when a suspension notice had been sent. I advised that Verizon first called on 1/**/17 and advised of the pending suspension for nonpayment. A letter was then mailed on 1/**/17 advising of the same. Payment was not received and services were suspended. I advised that the restoral fee of $260.70 billed on 12/**/16 was incorrect. The account billed the restoral fee three times as there were three orders processed to restore services. A credit in the amount of $200.63 was applied to the account for the incorrect charges billed. [redacted] understood and was satisfied with the explanation and resolution.