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:
The person contacted me (Owen) from the Executive Team had promise me twice that someone would contact me within 24 hours for lower pricing but never happened. Instead I called Verizon myself after one whole week waiting and mentioned the situation but was told no better price available. I cancelled the two year contract within 30 days (no panelty) as suggested by Owen. However, after calling him several times, finally I spoke to Owen again last week but he just kept saying the only thing he could do was to cancel my service with Verizon and he even suggested that I should go to other provider like Camcast. I think it is a complete waste of time. Verizon refused to honor the price they promised, refuse to assist their customer and direct their customer to leave. I am very disappointed. In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Initial Business Response /* (1000, 5, 2015/04/23) */
CONFIDENTIAL COMMUNICATION
April 22, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [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 he has called and written Fingerhut, but they have failed to provide debt validation for his account ending in 8273. Mr. [redacted] would like the trade line removed from his credit report.
According to our records, on March 20, 2015, Mr. [redacted] spoke with a representative from Executive Care regarding his sold account. His complaint was that Trans Union was not reporting his old Fingerhut account with a zero balance even though it had been sold to [redacted] in October 2012.
An electronic update was sent to remove the balance that was reporting to Trans Union. (Ref #73925829) An account review on March 27, 2015, confirmed that Trans Union is now reporting Mr. [redacted]'s Fingerhut account accurately as "Purchased by Another Lender" with a balance of zero.
The WebBank/Fingerhut account ending in 8273 was opened on December 4, 2009 when an order was placed online for a Kodak 12MP Digital Camera Bundle . The name and address on the application is the same one Mr. [redacted] provided when contacting us regarding this issue.
Nine payments for a total of $266.99 were received from a checking account in the name of [redacted]. The account charged off with an unpaid balance of $767.45 on May 1, 2011. The account sold on October 1, 2012 to [redacted].
On July 15, 2014, Fingerhut approved a second application for credit from Mr. [redacted] and issued a new account number. Both trade lines are reporting accurately on Mr. [redacted]'s credit report.
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.
Thank you for the opportunity to explain.
Sincerely,
[redacted]
Executive Care Team
VF/lg
Initial Consumer Rebuttal /* (3000, 7, 2015/04/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They have never properly validated this account. I never opened an account with them on Dec 4 2009. I've asked for copies of any agreement signed by me authorizing this particular account. I did willingly open an account with fingerhut in 2014. This is the only account I've ever had with them. They refuse to provide proper documentation. When I found out about this erroneous tradeline I called March 20 2015 and spoke with a representative who informed me they would update the sold off account to 0 and then submit a request for removal of the tradeline from all there credit reporting agencies.Also I was unaware they were reporting a balance on an account they sold off years which damaged my credit rating. In fact when they sold the account they were supposed to, by law, update the tradeline to reflect a 0 balance. They never did this for 3 years! The conversation I had is a verbal contract by them to remove the erroneous tradeline from my credit reports. If this matter is not resolved to my satisfaction I will be forced to take legal action as well as notify the cfpb, attorney generals office and the ftc.
Final Consumer Response /* (3000, 13, 2015/05/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I advised the representative on March 20th that I did not recognize nor open an account in 2009. Also fingerhut was reporting a balance on the account which they did not legally own. By law they were to update the acct to reflect a 0 balance when the account was sold years ago. They failed to do so. My credit was ruined because of this. The representative stated that they would have the tradeline removed from my credit reports. I've sent two requests for validation and both were ignored. I'm seeking proof of ownership since I did not open this account in 2009. If this erroneous tradeline is not removed from my credit reports I will seek legal action against blue stream brands.
Final Business Response /* (4000, 18, 2015/05/21) */
CONFIDENTIAL COMMUNICATION
May 21, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to an additional inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account.
Mr. [redacted] states that he did not open an account with Fingerhut in 2009 and would like the trade lines deleted from his credit report.
As stated in our previous response, Mr. [redacted] contacted Fingerhut on March 20, 2015 inquiring about his Trans Union credit reporting. The representative Mr. [redacted] spoke with did not promise to delete the trade lines, only to correct the error on the Trans Union report. Mr. [redacted] inquired whether the agent could simply delete the trade line altogether, to which the agent replied that we are required to report accurate information, and therefore no deletion could occur. The call ended with no request for validation or any mention of fraud by Mr. [redacted].
Mr. [redacted]'s account was sold on October 1, 2012 to [redacted]. The last month Mr. [redacted]'s account was reported to the bureaus by Fingerhut was December 2012. Fingerhut was not reporting to Experian at that time, so there is no trade line reflecting on Experian. An agent at Equifax confirmed that this account is also no longer reporting to Equifax.
The Trans Union trade line was updated on March 20, 2015 and is reporting accurately as Purchased by Another Lender with a balance of zero.
We cannot further 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.
Mr. [redacted] has an account that was opened during 2014 that he is not disputing. Therefore, we are not providing information related to this account.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/lg
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:
Verizon has attempted to contact me exclusively during hours when I am not available. I have attempted to return the calls, but I cannot navigate the phone menu back to a human. I have not receive an e-mail with a phone number, but would like to. Please resend this e-mail.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Full response attached. CONFIDENTIAL COMMUNICATION: Ms. [redacted] would like to be able to place another order on her FreshStart account, but this program only allows one order at a time, per the terms and conditions of the account. This is because this account is a closed-end loan, and not a revolving...
account. If Ms. [redacted] completes the FreshStart program successfully, she could graduate to a revolving account and be able to make multiple purchases as long as the account remained in good standing.
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:
1 agreement with Fios (per 1/**/16 is for title play package for 99.99. plus FIOS equipment package for 182 charged for equipment package for $23 (not 18). we did not ask for an additional equipment (or received one)3 charged for FIOS preferred HD package. verizon to explain why this is different from the one in the triple play package that already includes preferred HD, and based on what authorization change was made4 original order did not include charge for extent coax bridge. we were not told that additional equipment includes $75 charge. verizon to explain5 charged for multi room DVR service. we don't have (never had) multi room service. this was already explained to verizon several times over telephone calls6 we did not receive any voicemails. verizon to explain when and at what number message was left.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Initial Business Response /* (1000, 5, 2015/08/13) */
CONFIDENTIAL COMMUNICATION
August 13, 2015
Revdex.com of Minnesota #[redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]...
[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 wife's WebBank/Fingerhut account.
In Mr. [redacted]'s complaint, he states that he is receiving collection calls on his deceased wife's Fingerhut account. Mr. [redacted] further states that he had faxed a death certificate on February 7, 2014 and February 20, 2014. Mr. [redacted] indicates he was advised that his wife had SafeLine on her account that would have paid the account in full. Recently, Mr. [redacted] received a letter from a third party collections agency regarding this account. Mr. [redacted]'s desired resolution is cease all collection activity along with a written apology.
Our records indicate, faxed correspondence was received from Mr. [redacted] on February 10, 2014 which was illegible so Fingerhut was unable to process the information.
A member of the Executive Care Team made verbal contact with Mr. [redacted] on August 12, 2015 requesting a copy of the death certificate for additional research.
Mr. [redacted] agreed to e-mail a copy of the death certificate so we can initiate our investigation.
If Mr. [redacted] has any further questions or concerns, he may contact the Executive Care Team [redacted], Monday through Friday 8:00am to 4:30pm Central Standard Time.
We sincerely apologize for any inconvenience this matter may caused.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sjj
CONFIDENTIAL COMMUNICATION June 21, 2017 ...⇄ Better...
Business Bureau of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 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. Please see attached letter(s) of response as it exceeds the 2,000 max character count.
The customer was affected by a damaged outside line. A technician was dispatched on 12/**/16 and was able to restore the service. A credit in the amount $11.80 was issued on the account. We apologize for any inconvenience that this matter may have caused the customer.
CONFIDENTIAL COMMUNICATION March 17, 2017 Revdex.com of...
Minnesota �...⇄ Attn: Ms. [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 a WebBank/Fingerhut credit account. Mr. [redacted] states on March 9, 2017, he was attempting to place an online order and was directed to contact the Fingerhut Credit Department. Mr. [redacted] states after the Credit Department verified his information, he was advised to speak with another department because he no longer had an available credit limit. Mr. [redacted] further states when he requested to speak with a supervisor, the agent told him there were none currently available but she would attempt to reach a supervisor by email. Mr. [redacted] is requesting that Fingerhut fix their online system so that if an account no longer has a credit limit, that is evident. Mr. [redacted] is also requesting that Fingerhut reinstate his account because they failed to address his needs. A WebBank/Fingerhut FreshStart Installment Loan account ending in [redacted] was opened on August 18, 2014 when an application for credit was completed online. The name and address on the application is the same one provided when contacting us regarding this issue. A purchase was placed on September 12, 2014 for a Canon Pixma Wireless Inkjet All-in-One Printer. On December 17, 2014, after successful completion of the Fingerhut FreshStart program, Mr. [redacted] graduated to a Fingerhut revolving credit account ending in [redacted]. A purchase was placed on March 19, 2015 for a Shark Professional Navigator Lift Away Vacuum. Fingerhut received payments processed with a Visa debit card ending in [redacted] in the name [redacted]. The final payment of $187.55 received on August 10, 2015 paid Mr. [redacted]’s balance in full. According to public record, Mr. [redacted] filed Chapter 7 bankruptcy on November 18, 2016 with a standard discharge date of February 21, 2017. Fingerhut was notified of Mr. [redacted]’s bankruptcy on December 1, 2016 and his account was closed due to bankruptcy. Fingerhut reported Mr. [redacted]’s account to the credit bureaus as closed due to Bankruptcy with a balance of zero. If Mr. [redacted] logs onto Fingerhut.com to view his account, the account information is still visible because he has the right to review it. When Mr. [redacted] attempted to place an order, he was directed to contact Fingerhut for more information about his account. Please note we are required by law to retain all consumer information in a secured fashion for twenty-five months. As such, we are unable to remove Mr. [redacted]’s information from our system as requested. Neither are we able to comply with Mr. [redacted]’s request to reopen his account as his social security number is associated with an account that was closed due to his Chapter 7 bankruptcy. We have placed Mr. [redacted] on the Do Not Solicit list. Please allow four to six weeks to stop receiving all mailings as our mail lists are printed in advance. The March 9, 2017 phone call with the bankruptcy department in which Mr. [redacted] makes reference to in his complaint was reviewed. Based on our review of the call recording, the agent was professional and helpful in her interactions. The agent attempted to contact a supervisor when Mr. [redacted] requested one, but no one was currently available. The agent stated she would send an email for a Supervisor call back and Mr. [redacted] replied that he wanted to be called back within 5 days or he would file a lawsuit. The call ended abruptly with the agent still on the line. According to our records, a supervisor’s attempts to contact Mr. [redacted] on Thursday, March 9, 2017 and Monday, March 13, 2017 were unsuccessful. There is no record of Mr. [redacted] returning the calls. According to an account review on March 17, 2017, Equifax, Experian and Trans Union are reporting Mr. [redacted]’s account accurately as Closed at Grantor’s Request by reason of Chapter 7 bankruptcy. 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. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/lg
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:
An Yvonne at the merchant attempted to call my home number twice and left extension [redacted], I tried this number back 7 times, this number has no voice mail, and at times, a fast busy signal. How is the merchant even able to resolve the issue at hand? I never received any e-mail from this individual or merchant, if I had an e-mail possibly the issue at hand can be resolved. I am ready to cancel my services without penalty.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATION August 19, 2016 Revdex.com of...
Minnesota �...⇄ 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 Ms. [redacted] regarding a WebBank/Fingerhut credit account. We have included a copy of the account activity, credit application, Terms and Conditions and last three statements. Ms. [redacted] states she been receiving calls and letters from a third party attempting to collect on her WebBank/Fingerhut credit account. Ms. [redacted] further states when she contacted Fingerhut she was advised her account was open but when she asked if it was legal to sell an open account, the representative ended the call. Ms. [redacted] states she would like to know if payment arrangements will stop the third party from contacting her and the legality of selling an open account. According to our records, on June 1, 2013, an application was processed online using Ms. [redacted]’s name, address and social security number. Since the application was completed online, a written signature was not required. On that same day an order was placed online for a Little Tikes Princess Cozy Coupe- 30th Anniversary, with a 2 Year Service Plan. The merchandise was shipped via UPS to the same address as provided on the application. Multiple payments were received from a checking account ending in [redacted] in the name of [redacted]. The most recent payment of $216.69 was received on April 12, 2016 and reversed by her bank on April 15, 2016. Our records indicate Ms. [redacted] contacted Fingerhut on August 10, 2016 inquiring about her account being sold to a third party collector and if making payment arrangements with Fingerhut would stop the calls and letters from the third party collector. Ms. [redacted] was advised by an account specialist that the account had not been sold and the call ended cordially. No payment arrangements have been made to date. According to our records Fingerhut has not attempted to contact Ms. [redacted] since May 23, 2016 on any of the telephone numbers associated with her account. Fingerhut still owns Ms. [redacted]’s account and it has not been sold to third party collector. To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a minimum payment of $702.52 is due by September 2, 2016. If Ms. [redacted] is unable to make the full minimum payment due, her account may qualify for a payment plan. She may contact our Billing Department at ###-###-#### to discuss payment options. Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
[redacted] is being credited every month 10.00 to equal 110.00 that was the agreement and he is getting it. As for the fios installation we advised him he would be getting his install on or around dec [redacted] and he was ok with that agreement. when rolling out fios there is a process in which lay the...
fiber. I have reached out to FTTP and they are installing him this month.
A customer service representative contacted the customer and advised the customer that she had to pay the balance in full for the first 90 days from the date on install to qualify for the $400.00 gift card. This account has had a balance carry over since the first bill dated...
12-**-2015. An email along with a letter sent by [redacted] on 02/**/16 indicating that the account balance must be paid by 03/**/16 or the $400.00 gift card would be canceled. The gift card was forfeited when these guidelines were not met.
Per Verizon records, Line was repaired on 6/*/17, customer advised service is now working but now he has an issue on the 2nd floor, asked if he wanted a tech but customer advised he has to call back when ready.
Verizon has spoken with the customer and advised that the system issue that prevented combined billing has been resolved. The March **, 2016 bill will reflect the combined billing. A Verizon executive relations representative has a follow up to review the bill and confirm that it is correct, and...
the customer has been provided with that person’s name and number. It was confirmed that Verizon has credited three charges for the customer’s use of bill matrix to pay her account. Adjustments of $3.50 each were issued on **/20/15, 11/**/15 and 1/**/16. Verizon also confirmed with the customer that as of 2/**/16, she is now able to access her Verizon.com account. Verizon apologizes for any inconvenience the customer has experienced because of these matters.
Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, 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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attachment for our response as it exceeds the 2,000 max character limit. Sincerely, Vi [redacted]Executive Care Team VF/rg
I am rejecting this response because: First thing is that, As instructed in the reply from Vi [redacted], I contacted that number that I was instructed to contact and he was totally confused about all of it, so still not able to get a new airbed. Second, the part that I did not contact anyone with Fingerhut is totally a lie! I contacted several people in regards to that Airbed. If I had not spoken with anyone, then how and why did my sister get a check sent to her for the price of the bed, how did I have names of individuals and numbers that I called???. So I had to speak with someone in the company to get that accomplished. Third thing is had his personnel have know all the instructions in regards to how to process a manufacture warranty program, this would all be a mute point, because I would have contacted that number in the first place, and I would have the new bed by now and I would not be writing this complaint to the Revdex.com. Which in it self is interesting, because I was the one who purchased the bed, but she was then one who got the refund for the bed, shouldn't the refund come back to the person who purchased the bed????. After all, it was my account. So I am rejecting this response because of those reasons. I am not totally satisfied, but it is no longer important. My sister did receive a check for the price I paid for the bed, minus the 2 year service contract price and shipping and handling of the bed, and that being said, I will be paying this account off in a couple of weeks and I will close the account out. That will be my satisfaction with this situation. Thank you for trying to assist me in getting a resolution in this matter.
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:
Although credits have been applied, they were only applied after I called in each of the 18 months that I was overbilled. If I hadn't of called there would have not been an adjustment and although the representative incorrectly bundled the package, it is what I was quoted for the 24 month contract and Verizon should have honored that and not forced the customer to have to contact them monthly to receive the adjustment. It is also a mystery to me that this could not be corrected in the billing system. I was told in multiple months that this would be escalated and in all 18 months no one was able to correct the billing. The end result is that now they will process a credit in advance to reduce my bill to reflect what I was quoted. So hopefully the bill will reflect the correct amount, however if behooves me why Verizon cannot update their billing system to reflect the terms of the contract agreement.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATION
March 11, 2016
# [redacted]
Revdex.com of Minnesota
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 an order was placed on November 20, 2015. We sincerely apologize for the inconvenience caused by the incorrect advertisement on our website. When the ad error was reported the item was removed from our website. Once our investigation was completed, the correct image and description for product code NB29J was updated on our website. To ensure our customers have the most up to date information available, we use a direct link to the image on our website. Due to the image correction made on our website, the direct link in our emails and on Ms. [redacted]'s account for that specific item will now display the updated image and description.
In order for us to assist Ms. [redacted], we are requesting a copy of the printed email she received that shows the image of the safe and the description if possible. Ms. [redacted] can send the requested information via email to [email protected] with Attn: Becky in the subject line; or via fax to [redacted] Executive Care Team Attn: Becky. Ms. [redacted] can also return the information via regular mail to Executive Care Team Attn: Becky [redacted] Saint Cloud, MN. 56303. Once the information is received we will research further for complete resolution.
Additionally, we are including a postage paid return label for Ms. [redacted] to use to return the Werner Step Ladder.
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
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:
The person contacted me (Owen) from the Executive Team had promise me twice that someone would contact me within 24 hours for lower pricing but never happened. Instead I called Verizon myself after one whole week waiting and mentioned the situation but was told no better price available. I cancelled the two year contract within 30 days (no panelty) as suggested by Owen. However, after calling him several times, finally I spoke to Owen again last week but he just kept saying the only thing he could do was to cancel my service with Verizon and he even suggested that I should go to other provider like Camcast. I think it is a complete waste of time. Verizon refused to honor the price they promised, refuse to assist their customer and direct their customer to leave. I am very disappointed. In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Initial Business Response /* (1000, 5, 2015/04/23) */
CONFIDENTIAL COMMUNICATION
April 22, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [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 he has called and written Fingerhut, but they have failed to provide debt validation for his account ending in 8273. Mr. [redacted] would like the trade line removed from his credit report.
According to our records, on March 20, 2015, Mr. [redacted] spoke with a representative from Executive Care regarding his sold account. His complaint was that Trans Union was not reporting his old Fingerhut account with a zero balance even though it had been sold to [redacted] in October 2012.
An electronic update was sent to remove the balance that was reporting to Trans Union. (Ref #73925829) An account review on March 27, 2015, confirmed that Trans Union is now reporting Mr. [redacted]'s Fingerhut account accurately as "Purchased by Another Lender" with a balance of zero.
The WebBank/Fingerhut account ending in 8273 was opened on December 4, 2009 when an order was placed online for a Kodak 12MP Digital Camera Bundle . The name and address on the application is the same one Mr. [redacted] provided when contacting us regarding this issue.
Nine payments for a total of $266.99 were received from a checking account in the name of [redacted]. The account charged off with an unpaid balance of $767.45 on May 1, 2011. The account sold on October 1, 2012 to [redacted].
On July 15, 2014, Fingerhut approved a second application for credit from Mr. [redacted] and issued a new account number. Both trade lines are reporting accurately on Mr. [redacted]'s credit report.
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.
Thank you for the opportunity to explain.
Sincerely,
[redacted]
Executive Care Team
VF/lg
Initial Consumer Rebuttal /* (3000, 7, 2015/04/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They have never properly validated this account. I never opened an account with them on Dec 4 2009. I've asked for copies of any agreement signed by me authorizing this particular account. I did willingly open an account with fingerhut in 2014. This is the only account I've ever had with them. They refuse to provide proper documentation. When I found out about this erroneous tradeline I called March 20 2015 and spoke with a representative who informed me they would update the sold off account to 0 and then submit a request for removal of the tradeline from all there credit reporting agencies.Also I was unaware they were reporting a balance on an account they sold off years which damaged my credit rating. In fact when they sold the account they were supposed to, by law, update the tradeline to reflect a 0 balance. They never did this for 3 years! The conversation I had is a verbal contract by them to remove the erroneous tradeline from my credit reports. If this matter is not resolved to my satisfaction I will be forced to take legal action as well as notify the cfpb, attorney generals office and the ftc.
Final Consumer Response /* (3000, 13, 2015/05/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I advised the representative on March 20th that I did not recognize nor open an account in 2009. Also fingerhut was reporting a balance on the account which they did not legally own. By law they were to update the acct to reflect a 0 balance when the account was sold years ago. They failed to do so. My credit was ruined because of this. The representative stated that they would have the tradeline removed from my credit reports. I've sent two requests for validation and both were ignored. I'm seeking proof of ownership since I did not open this account in 2009. If this erroneous tradeline is not removed from my credit reports I will seek legal action against blue stream brands.
Final Business Response /* (4000, 18, 2015/05/21) */
CONFIDENTIAL COMMUNICATION
May 21, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to an additional inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account.
Mr. [redacted] states that he did not open an account with Fingerhut in 2009 and would like the trade lines deleted from his credit report.
As stated in our previous response, Mr. [redacted] contacted Fingerhut on March 20, 2015 inquiring about his Trans Union credit reporting. The representative Mr. [redacted] spoke with did not promise to delete the trade lines, only to correct the error on the Trans Union report. Mr. [redacted] inquired whether the agent could simply delete the trade line altogether, to which the agent replied that we are required to report accurate information, and therefore no deletion could occur. The call ended with no request for validation or any mention of fraud by Mr. [redacted].
Mr. [redacted]'s account was sold on October 1, 2012 to [redacted]. The last month Mr. [redacted]'s account was reported to the bureaus by Fingerhut was December 2012. Fingerhut was not reporting to Experian at that time, so there is no trade line reflecting on Experian. An agent at Equifax confirmed that this account is also no longer reporting to Equifax.
The Trans Union trade line was updated on March 20, 2015 and is reporting accurately as Purchased by Another Lender with a balance of zero.
We cannot further 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.
Mr. [redacted] has an account that was opened during 2014 that he is not disputing. Therefore, we are not providing information related to this account.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/lg
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:
Verizon has attempted to contact me exclusively during hours when I am not available. I have attempted to return the calls, but I cannot navigate the phone menu back to a human. I have not receive an e-mail with a phone number, but would like to. Please resend this e-mail.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Full response attached. CONFIDENTIAL COMMUNICATION: Ms. [redacted] would like to be able to place another order on her FreshStart account, but this program only allows one order at a time, per the terms and conditions of the account. This is because this account is a closed-end loan, and not a revolving...
account. If Ms. [redacted] completes the FreshStart program successfully, she could graduate to a revolving account and be able to make multiple purchases as long as the account remained in good standing.
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:
1 agreement with Fios (per 1/**/16 is for title play package for 99.99. plus FIOS equipment package for 182 charged for equipment package for $23 (not 18). we did not ask for an additional equipment (or received one)3 charged for FIOS preferred HD package. verizon to explain why this is different from the one in the triple play package that already includes preferred HD, and based on what authorization change was made4 original order did not include charge for extent coax bridge. we were not told that additional equipment includes $75 charge. verizon to explain5 charged for multi room DVR service. we don't have (never had) multi room service. this was already explained to verizon several times over telephone calls6 we did not receive any voicemails. verizon to explain when and at what number message was left.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Initial Business Response /* (1000, 5, 2015/08/13) */
CONFIDENTIAL COMMUNICATION
August 13, 2015
Revdex.com of Minnesota #[redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]...
[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 wife's WebBank/Fingerhut account.
In Mr. [redacted]'s complaint, he states that he is receiving collection calls on his deceased wife's Fingerhut account. Mr. [redacted] further states that he had faxed a death certificate on February 7, 2014 and February 20, 2014. Mr. [redacted] indicates he was advised that his wife had SafeLine on her account that would have paid the account in full. Recently, Mr. [redacted] received a letter from a third party collections agency regarding this account. Mr. [redacted]'s desired resolution is cease all collection activity along with a written apology.
Our records indicate, faxed correspondence was received from Mr. [redacted] on February 10, 2014 which was illegible so Fingerhut was unable to process the information.
A member of the Executive Care Team made verbal contact with Mr. [redacted] on August 12, 2015 requesting a copy of the death certificate for additional research.
Mr. [redacted] agreed to e-mail a copy of the death certificate so we can initiate our investigation.
If Mr. [redacted] has any further questions or concerns, he may contact the Executive Care Team [redacted], Monday through Friday 8:00am to 4:30pm Central Standard Time.
We sincerely apologize for any inconvenience this matter may caused.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sjj
CONFIDENTIAL COMMUNICATION June 21, 2017 ...⇄ Better...
Business Bureau of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 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. Please see attached letter(s) of response as it exceeds the 2,000 max character count.
The customer was affected by a damaged outside line. A technician was dispatched on 12/**/16 and was able to restore the service. A credit in the amount $11.80 was issued on the account. We apologize for any inconvenience that this matter may have caused the customer.
CONFIDENTIAL COMMUNICATION March 17, 2017 Revdex.com of...
Minnesota �...⇄ Attn: Ms. [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 a WebBank/Fingerhut credit account. Mr. [redacted] states on March 9, 2017, he was attempting to place an online order and was directed to contact the Fingerhut Credit Department. Mr. [redacted] states after the Credit Department verified his information, he was advised to speak with another department because he no longer had an available credit limit. Mr. [redacted] further states when he requested to speak with a supervisor, the agent told him there were none currently available but she would attempt to reach a supervisor by email. Mr. [redacted] is requesting that Fingerhut fix their online system so that if an account no longer has a credit limit, that is evident. Mr. [redacted] is also requesting that Fingerhut reinstate his account because they failed to address his needs. A WebBank/Fingerhut FreshStart Installment Loan account ending in [redacted] was opened on August 18, 2014 when an application for credit was completed online. The name and address on the application is the same one provided when contacting us regarding this issue. A purchase was placed on September 12, 2014 for a Canon Pixma Wireless Inkjet All-in-One Printer. On December 17, 2014, after successful completion of the Fingerhut FreshStart program, Mr. [redacted] graduated to a Fingerhut revolving credit account ending in [redacted]. A purchase was placed on March 19, 2015 for a Shark Professional Navigator Lift Away Vacuum. Fingerhut received payments processed with a Visa debit card ending in [redacted] in the name [redacted]. The final payment of $187.55 received on August 10, 2015 paid Mr. [redacted]’s balance in full. According to public record, Mr. [redacted] filed Chapter 7 bankruptcy on November 18, 2016 with a standard discharge date of February 21, 2017. Fingerhut was notified of Mr. [redacted]’s bankruptcy on December 1, 2016 and his account was closed due to bankruptcy. Fingerhut reported Mr. [redacted]’s account to the credit bureaus as closed due to Bankruptcy with a balance of zero. If Mr. [redacted] logs onto Fingerhut.com to view his account, the account information is still visible because he has the right to review it. When Mr. [redacted] attempted to place an order, he was directed to contact Fingerhut for more information about his account. Please note we are required by law to retain all consumer information in a secured fashion for twenty-five months. As such, we are unable to remove Mr. [redacted]’s information from our system as requested. Neither are we able to comply with Mr. [redacted]’s request to reopen his account as his social security number is associated with an account that was closed due to his Chapter 7 bankruptcy. We have placed Mr. [redacted] on the Do Not Solicit list. Please allow four to six weeks to stop receiving all mailings as our mail lists are printed in advance. The March 9, 2017 phone call with the bankruptcy department in which Mr. [redacted] makes reference to in his complaint was reviewed. Based on our review of the call recording, the agent was professional and helpful in her interactions. The agent attempted to contact a supervisor when Mr. [redacted] requested one, but no one was currently available. The agent stated she would send an email for a Supervisor call back and Mr. [redacted] replied that he wanted to be called back within 5 days or he would file a lawsuit. The call ended abruptly with the agent still on the line. According to our records, a supervisor’s attempts to contact Mr. [redacted] on Thursday, March 9, 2017 and Monday, March 13, 2017 were unsuccessful. There is no record of Mr. [redacted] returning the calls. According to an account review on March 17, 2017, Equifax, Experian and Trans Union are reporting Mr. [redacted]’s account accurately as Closed at Grantor’s Request by reason of Chapter 7 bankruptcy. 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. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/lg
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:
An Yvonne at the merchant attempted to call my home number twice and left extension [redacted], I tried this number back 7 times, this number has no voice mail, and at times, a fast busy signal. How is the merchant even able to resolve the issue at hand? I never received any e-mail from this individual or merchant, if I had an e-mail possibly the issue at hand can be resolved. I am ready to cancel my services without penalty.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATION August 19, 2016 Revdex.com of...
Minnesota �...⇄ 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 Ms. [redacted] regarding a WebBank/Fingerhut credit account. We have included a copy of the account activity, credit application, Terms and Conditions and last three statements. Ms. [redacted] states she been receiving calls and letters from a third party attempting to collect on her WebBank/Fingerhut credit account. Ms. [redacted] further states when she contacted Fingerhut she was advised her account was open but when she asked if it was legal to sell an open account, the representative ended the call. Ms. [redacted] states she would like to know if payment arrangements will stop the third party from contacting her and the legality of selling an open account. According to our records, on June 1, 2013, an application was processed online using Ms. [redacted]’s name, address and social security number. Since the application was completed online, a written signature was not required. On that same day an order was placed online for a Little Tikes Princess Cozy Coupe- 30th Anniversary, with a 2 Year Service Plan. The merchandise was shipped via UPS to the same address as provided on the application. Multiple payments were received from a checking account ending in [redacted] in the name of [redacted]. The most recent payment of $216.69 was received on April 12, 2016 and reversed by her bank on April 15, 2016. Our records indicate Ms. [redacted] contacted Fingerhut on August 10, 2016 inquiring about her account being sold to a third party collector and if making payment arrangements with Fingerhut would stop the calls and letters from the third party collector. Ms. [redacted] was advised by an account specialist that the account had not been sold and the call ended cordially. No payment arrangements have been made to date. According to our records Fingerhut has not attempted to contact Ms. [redacted] since May 23, 2016 on any of the telephone numbers associated with her account. Fingerhut still owns Ms. [redacted]’s account and it has not been sold to third party collector. To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a minimum payment of $702.52 is due by September 2, 2016. If Ms. [redacted] is unable to make the full minimum payment due, her account may qualify for a payment plan. She may contact our Billing Department at ###-###-#### to discuss payment options. Their hours are 7:00am to 9:00pm Monday through Thursday; 7:00am to 6:00pm Friday; and 7:00am to noon Saturday Central Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
[redacted] is being credited every month 10.00 to equal 110.00 that was the agreement and he is getting it. As for the fios installation we advised him he would be getting his install on or around dec [redacted] and he was ok with that agreement. when rolling out fios there is a process in which lay the...
fiber. I have reached out to FTTP and they are installing him this month.
A customer service representative contacted the customer and advised the customer that she had to pay the balance in full for the first 90 days from the date on install to qualify for the $400.00 gift card. This account has had a balance carry over since the first bill dated...
12-**-2015. An email along with a letter sent by [redacted] on 02/**/16 indicating that the account balance must be paid by 03/**/16 or the $400.00 gift card would be canceled. The gift card was forfeited when these guidelines were not met.
Per Verizon records, Line was repaired on 6/*/17, customer advised service is now working but now he has an issue on the 2nd floor, asked if he wanted a tech but customer advised he has to call back when ready.
Verizon has spoken with the customer and advised that the system issue that prevented combined billing has been resolved. The March **, 2016 bill will reflect the combined billing. A Verizon executive relations representative has a follow up to review the bill and confirm that it is correct, and...
the customer has been provided with that person’s name and number. It was confirmed that Verizon has credited three charges for the customer’s use of bill matrix to pay her account. Adjustments of $3.50 each were issued on **/20/15, 11/**/15 and 1/**/16. Verizon also confirmed with the customer that as of 2/**/16, she is now able to access her Verizon.com account. Verizon apologizes for any inconvenience the customer has experienced because of these matters.
May 19, 2017 ...⇄ Revdex.com of...
Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, 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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attachment for our response as it exceeds the 2,000 max character limit. Sincerely, Vi [redacted]Executive Care Team VF/rg
I am rejecting this response because: First thing is that, As instructed in the reply from Vi [redacted], I contacted that number that I was instructed to contact and he was totally confused about all of it, so still not able to get a new airbed. Second, the part that I did not contact anyone with Fingerhut is totally a lie! I contacted several people in regards to that Airbed. If I had not spoken with anyone, then how and why did my sister get a check sent to her for the price of the bed, how did I have names of individuals and numbers that I called???. So I had to speak with someone in the company to get that accomplished. Third thing is had his personnel have know all the instructions in regards to how to process a manufacture warranty program, this would all be a mute point, because I would have contacted that number in the first place, and I would have the new bed by now and I would not be writing this complaint to the Revdex.com. Which in it self is interesting, because I was the one who purchased the bed, but she was then one who got the refund for the bed, shouldn't the refund come back to the person who purchased the bed????. After all, it was my account. So I am rejecting this response because of those reasons. I am not totally satisfied, but it is no longer important. My sister did receive a check for the price I paid for the bed, minus the 2 year service contract price and shipping and handling of the bed, and that being said, I will be paying this account off in a couple of weeks and I will close the account out. That will be my satisfaction with this situation. Thank you for trying to assist me in getting a resolution in this matter.
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:
Although credits have been applied, they were only applied after I called in each of the 18 months that I was overbilled. If I hadn't of called there would have not been an adjustment and although the representative incorrectly bundled the package, it is what I was quoted for the 24 month contract and Verizon should have honored that and not forced the customer to have to contact them monthly to receive the adjustment. It is also a mystery to me that this could not be corrected in the billing system. I was told in multiple months that this would be escalated and in all 18 months no one was able to correct the billing. The end result is that now they will process a credit in advance to reduce my bill to reflect what I was quoted. So hopefully the bill will reflect the correct amount, however if behooves me why Verizon cannot update their billing system to reflect the terms of the contract agreement.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATION
March 11, 2016
# [redacted]
Revdex.com of Minnesota
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 an order was placed on November 20, 2015. We sincerely apologize for the inconvenience caused by the incorrect advertisement on our website. When the ad error was reported the item was removed from our website. Once our investigation was completed, the correct image and description for product code NB29J was updated on our website. To ensure our customers have the most up to date information available, we use a direct link to the image on our website. Due to the image correction made on our website, the direct link in our emails and on Ms. [redacted]'s account for that specific item will now display the updated image and description.
In order for us to assist Ms. [redacted], we are requesting a copy of the printed email she received that shows the image of the safe and the description if possible. Ms. [redacted] can send the requested information via email to [email protected] with Attn: Becky in the subject line; or via fax to [redacted] Executive Care Team Attn: Becky. Ms. [redacted] can also return the information via regular mail to Executive Care Team Attn: Becky [redacted] Saint Cloud, MN. 56303. Once the information is received we will research further for complete resolution.
Additionally, we are including a postage paid return label for Ms. [redacted] to use to return the Werner Step Ladder.
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw