I am rejecting this response because:They have not substantiated anything. Anyone can open an account online. Jefferson Capital (whom they supposedly sold the account to) cannot substantiate the account either.I will be filing a lawsuit.
A Verizon representative spoke with [redacted] and placed an order for new telephone service. The telephone service was installed 4/**/17. An order was then placed to add DSL service which was installed 4/**/17. I spoke with [redacted] and verified that the services were both working.
A Verizon representative spoke with [redacted] on 3/*/2017. The representative advised that the billing for the internet service had not changed, as the speed upgrade order had not completed. The representative was able to get the order completed as of 3/*/2017.
Subsequent to receipt of the complaint, I contacted [redacted] and apologized for her concern. [redacted] stated she was never advised ahead of time of the one time installation/set up fee. I advised [redacted] that I adjusted the first installment including tax of $27.99 and waived the...
remaining two installment charges from appearing on future bills. [redacted] was very satisfied.
Thank you for referring the complaint of [redacted] to our office for review. We appreciate this matter being brought to our attention. [redacted] expressed concern about Long Distance charges. Please be advised that our Billing Investigation Team was able to speak with [redacted] on August...
*, 2017. Account was purchased by Orion Portfolio Services (phone number ###-###-####) on June **, 2015. [redacted] understands that he has to contact the purchaser of the account as Verizon no longer owns the rights to the account. All three credit reporting agencies were checked to confirm that Verizon is not credit reporting this customer; but the purchaser of the account, Orion, might be credit reporting the account. We trust that this information will assist you in the closing of this complaint. We apologize for any inconvenience that [redacted] has experienced as a result of the above matter.
CONFIDENTIAL COMMUNICATION June 2, 2016 ...⇄ 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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states he will send a payment for the amount owed after he receives his disability check. We appreciate the payment Mr. [redacted] is going to make on his account. Again, his current balance is $152.69. A minimum payment of $69.96 is due by June 27, 2016. Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION July 18, 2016 Revdex.com of Minnesota ...
# [redacted] Attn: [redacted] 220 S. River Ridge Cir. 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 promotion code she would like to use in relation to her WebBank/Fingerhut Advantage Account. Ms. [redacted] states she is unable to apply promotion coupon ‘NC466’ for $50.00 off a $200 or above order, for which she qualifies according to its advertising on the Fingerhut website for those who, like herself, are new customers. She states a representative she contacted via web chat service confirmed she was eligible to use the code and advised her to call customer service to apply it to her order. Ms. [redacted] wants a stronger assurance she will be given the coupon discount and wants to avoid a further “run around.” Our records confirm that the discount Ms. [redacted] refers to of ‘NC466’ is a valid promotional code with us. It is difficult to determine what exactly caused the code to be rejected when Ms. [redacted] applied it during the web checkout process, since it appears she met the eligibility requirements of placing an order totaling at least $200, applying for her account on the Fingerhut website, and placing her order before the code’s expiration date of June 30, 2016. On July 18, 2016, a customer service representative called Ms. [redacted] to assist her with the order and applying the discount. The representative spoke with a third party and left a message advising that Ms. [redacted] should call our Customer Service Department at ###-###-#### to place her order so that the discount could be applied. Ms. [redacted] should not encounter any difficulty when she calls customer service to place her order as her account is clearly noted that we will honor the ‘NC466’ promotional code. As a reminder, the order total must be a minimum of $200 before we can apply the $50 discount to it. We appreciate Ms. [redacted]’s ongoing patience and cooperation with us in working to resolve this matter. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/ah
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:I have still not received a check for the outstanding balance on my account. This is not a refund or return this is money I paid that should be returned.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
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] Jo D., my representative from Verizon's Executive Relations Team completely ignored the situation that arose when I terminated service with Verizon. During my termination, I was informed by Candice that because I was on Autopay and I was terminating service in the middle of a billing cycle, that I would receive a credit for the days remaining in the billing cycle for which I did not have service. I never received that credit. Had I been informed that termination of service did not include a pro-rated credit, I simply would have retained service until the end of the billing cycle. I explained all of this in a letter I wrote to Verizon, which they received on 1/**/18 and was explained in my initial complaint via the Revdex.com.I should not be held financially accountable for the mistakes of their customer service representatives. As such, Verizon should issue a credit for $63.33, which at this time will zero the account. In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
According to our records, a billing specialist spoke with the customer on 2/*/17 regarding his billing. The specialist agreed to adjust a late payment charge in the amount of $5. A previous representative adjusted the two previous late payment fees. There was a system issue that...
prevented the customer from viewing his bill online. The system issue was resolved on 2/*/17. We apologize for any inconvenience that this matter may have caused the customer.
2016 ...⇄ 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 Fingerhut/FreshStart Account. Ms. [redacted] states she cancelled an order on her FreshStart Account before the order shipped. She is wanting to have her $30.00 down payment returned to her and would like to close her account and destroy all record of her information. Our records indicate Ms. [redacted] opened her account on May 19, 2016. Ms. [redacted] placed an order for a Madison Industries Matrix Sofa Furniture Cover on May 19, 2016. On May 20, 2016 her order was cancelled as a result of an email request from Ms. [redacted]. This order did not ship. On May 22, 2016 Ms. [redacted] requested to close her account. On that same date her account was closed. She will be unable to use her account for future purchases. Ms. [redacted]’s $30.00 down payment was returned to her credit card ending on 1475 on May 24, 2016. Ms. [redacted] requests that her information be removed from our records. We will not be able to do this as we are required to retain records of the complete application process for 25 months after the notification is sent to the applicant. Thank you for understanding and allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS[redacted]
to be noted. The gentleman who contacted me had an attitude problem from the beginning of the conversation. So I terminated the conversation. I stated to him the account was closed I would be doing no further business with his company. I will take care of my obligations. But would not recommend Fingerhut to even my worst enemy. It’s customary with Fingerhut customer care to place you on hold instead of disconnect your calls so you cannot leave feedback on poor customer service. I too have posted a complete audio and video log of my telecommunications with Fingerhut and their customer care. The videos are on both YouTube and Facebook. Again this case is closed. It took 2 weeks to recieve a phone call. My business has proven to be unimportant to this company. So being so insignificant; I will do no further dealings. No further response needed. Your letter is clearly full of lies. Good day
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 $10.96 was a credit that was supposed to be applied to our account for our phone line being out of service around Christmas 2015. The additional credit of $17 is new to me and no one has explained why this amount. I have attempted to contact Mr. Stephen S[redacted] multiple times with multiple voicemail and he has failed to return my calls on the contact numbers given to him. I would like to have all charges credited back on my account. This has been an on-going issue since January.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Please be advised, Verizon has made multiple attempts to speak with the consumer since receiving the rebuttal complaint. Voicemail messages have been left on both the home telephone number and the can be reached number provided. An email was also forwarded to the consumer advising of our attempts to speak with him and also requesting that the consumer provide a good time of day in which we can contact him to discuss the matter thoroughly. To date, Verizon has not received a response from the consumer.
Initial Business Response /* (1000, 10, 2015/05/19) */
CONFIDENTIAL COMMUNICATION
May 19, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
I am writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account.
Ms. [redacted] states she was experiencing a financial hardship in 2014 and was told she was eligible for SafeLine. Ms. [redacted] said she "entered into an agreement" and paid her account in full in January 2015. Ms. [redacted] also states that she has not received any response from Fingerhut to the emails and letters she has sent regarding her account. Though Ms. [redacted] recognizes her credit report is reporting accurately, she is requesting that Fingerhut remove a ninety day delinquency as a gesture of goodwill.
After a thorough review Ms. [redacted]'s account, there have been no SafeLine fees charged to her account. Ms. [redacted] did not enroll in SafeLine at the time of her application and there are no notes indicating any recent enrollment.
Our records indicate that one letter was received from Ms. [redacted] on April 20, 2015. A member of the Executive Care Team attempted to reach Ms. [redacted] by phone on April 20, 2015. A voice message was left, but we have not received a response from Ms. [redacted] to date. There are no records of receiving any emails from Ms. [redacted].
A letter was mailed to Ms. [redacted] on May 5, 2015 with an explanation of why Fingerhut cannot grant her request for goodwill. In an additional comment sent through the Revdex.com on May 8, 2015, Ms. [redacted] states the letter was received. She reiterated that she does not want Fingerhut to report inaccurately, she just wants the trade line deleted.
According to our records, no payment was received on Ms. [redacted]'s Fingerhut account from September 26, 2014 until January 31, 2015. Consequently, her account was reported delinquent to the credit bureaus for November 2014, December 2014 and January 2015.
Unfortunately, when an account has been delinquent for ninety days, the credit limit is reduced to zero. After the balance is paid in full, Ms. [redacted] may reapply for credit.
A payment for $137.95 was received on January 31, 2015. Ms. [redacted]'s account was reported current with a balance of $304.87 to the credit bureaus on February 26, 2015.
An account review on April 20, 2015 confirmed that Equifax, Trans Union and Experian are reporting Ms. [redacted]'s account accurately.
We value Ms. [redacted]'s business and although we understand her situation, we cannot revise any 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 Ms. [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,
[redacted]
Executive Care Team
VF/lg
Initial Consumer Rebuttal /* (3000, 12, 2015/05/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I'm not asking for a revision I'm asking for it to be deleted which is not a violation of FCRA
Final Consumer Response /* (3000, 15, 2015/05/26) */
No one is calling me. I received two generic letters stating that " if you fail to fulfill the terms of your credit terms a negative report can be submitted to one or more of the reporting agencies"
This information I understand but that is not at all addressing my request. I am requesting a Goodwill Adjustment on the strength that one I was behind because of false information your reps provided to me, the horrible customer service and as a simple request. It isn't a violation of FCRA. I have confirmed this. Also deleting a trade line is what I would like. I am not asking for anything to be falsely reported or special treatment I am asking that after my balance is paid the trade line is deleted. that's it.
Final Business Response /* (4000, 17, 2015/06/01) */
CONFIDENTIAL COMMUNICATION
May 28, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to an additional inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account.
Ms. [redacted] is requesting to have her WebBank/Fingerhut trade line deleted from her credit report. Ms. [redacted] states that no one has tried to call her and that she has received two letters reiterating Fingerhut's Terms and Conditions regarding credit bureau reporting.
As stated in our initial response, an attempt to reach Ms. [redacted] on April 20, 2015 was unsuccessful. A message was left for Ms. [redacted] to contact the Executive Care Team directly, but we have not received a response from Ms. [redacted] to date. Additionally, a letter was mailed directly to Ms. [redacted] on May 5, 2015 in response to correspondence received directly from Ms. [redacted].
In response to the additional inquiry, a member of the Executive Care Team did speak directly with Ms. [redacted] on May 27, 2015, and she was able to describe in detail the phone conversations in which she believes she was given inaccurate information. These conversations corresponded to the available call recordings from January 2015 that were reviewed before our initial response.
Ms. [redacted] clarified that she believes the misinformation leading to her delinquent remarks resulted from a call she made before her account became delinquent. Ms. [redacted] states she was told that she could stop paying her bill without consequence to her credit report.
Fingerhut has no record of speaking with Ms. [redacted] since July 15, 2014, when she called to add an apartment number to her address, until January 20, 2015 when she called to make payment arrangements.
Based on the call logs associated with Ms. [redacted]'s account, no successful contact was made through a series of outbound calls made to Ms. [redacted] to collect on her past due account.
Based on our research, seven collection letters and five statements were mailed to Ms. [redacted] between the months of September 2014 and January 2015 advising her that her account was past due and that there may be consequences of not bringing her account current.
As stated in our previous response to Ms. [redacted], we cannot revise any information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
KD/lg
2016 ...⇄ Revdex.com of Minnesota �...⇄ #:[redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, 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. We are sorry to hear that the Samsung Galaxy Tab 3 Lite Android Tablet Ms. [redacted] received was defective. Our records indicate the tablet was ordered on November 14, 2016 and shipped on November 16, 2016. We were notified of the defective tablet on February 1, 2016, which is outside of the 30 day home trial period. Per our return policy, tablets must be returned to us within 30 days. While we were offering an extended home trial during the holiday season, this allowed for exchange or refund through January 31, 2016. Because Ms. [redacted] notified us one day after the deadline, we will make an exception by accepting the return. Fingerhut provides a convenient prepaid return label with the product. If Ms. [redacted] no longer has this, she can visit our Returns Center in the My Account area of the website to print a new return label at Fingerhut.com. She should mark the box indicating the product is defective. If she needs any further assistance with obtaining the label, she may call our Executive Care Team at ###-###-####. Once we receive the tablet, a prompt exchange will be made. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/jm �...⇄ [redacted]
CONFIDENTIAL COMMUNICATION May 9, 2016 Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted]. To confirm to Ms. [redacted], we received the Chef’s mark Countertop IceCube Maker as a return earlier today. Her warranty claim has been approved, and a replacement order for the same item has been submitted at no cost to Ms. [redacted]. Ms. [redacted] should allow up to 72 hours from this response to receive shipping confirmation and a tracking number for the replacement order at her [email protected] email address on file. Ms. [redacted] may re-open this inquiry if she has an issue after receiving the new ice maker, but at this time we consider this matter closed and resolved. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ah
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
2016 ...⇄ # [redacted]Revdex.com of MinnesotaAttn: [redacted]220 S River Ridge CircleBurnsville, MN 55337Re: Case # [redacted] Dear Ms. [redacted],I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.Our records indicate Ms. [redacted] had a recurring payment schedule for $154.00 that she set up through our website in September 2015. On January 4, 2016 she cancelled the recurring payment schedule online.In order for us to cancel a recurring payment schedule, the cancellation request must be received at least 24 hours prior to the payment schedule date. Unfortunately, Ms. [redacted] did not allow the designated time frame and the payment was processed. When Ms. [redacted] requested a stop payment on the payment for $154.00 through her bank, the payment was returned to us and her account was charged a returned check charge of $27.00. As a courtesy, we have credited the returned check charge of $27.00. Ms. [redacted] will see the credit reflected on her monthly billing statement within one to two billing cycles.Ms. [redacted] set up a new recurring payment schedule on January 4, 2016 for the minimum payment due of $155.93 beginning on January 5, 2016. On February 3, 2016 she cancelled the minimum payment schedule and reset up another recurring payment for $144.00 to be paid on the 5th of every month. The minimum payment due according to Ms. [redacted]’s statement which cycled on February 9, 2016 was $148.66. The payment we received on March 5, 2016 was $144.00 which did not cover the minimum payment due. As a result, a late fee of $27.00 was assessed to Ms. [redacted]’s account per the terms and conditions she agreed to at the time she opened her account. Since the payment we received did not meet the minimum due requirement the late fee will not be credited.On February 22, 2016, Ms. [redacted] placed an order by phone for a Werner 24’ Extension Ladder which totaled $399.99. This order appeared on Ms. [redacted]’s March 9, 2016 billing statement and according to our records, no catalog number or promotion code was provided for the deferred payment offer on this order. If Ms. [redacted] has the promotion code or catalog number for the deferred payment offer, she may contact our Customer Service Department at ###-###-#### to provide the deferral information for this order.Another order was placed on February 26, 2016 for a Cuisinart 12-Cup Programmable Coffeemaker which totaled $102.98 and is also reflected on Ms. [redacted]’s March 9, 2016 billing statement. The minimum payment due on Ms. [redacted]’s account is $170.96 and is reflected on her monthly billing statement.Thank you for allowing us to assist and explain.Sincerely,Vi [redacted]Executive Care TeamVF/bw �...⇄ [redacted]
Initial Business Response /* (1000, 5, 2015/07/09) */
CONFIDENTIAL COMMUNICATION
July 8, 2015
# [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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Ms. [redacted]'s account indicates she placed an order for a Suncast 52 cu.ft. Vertical Shed on May 28, 2015 when speaking with a representative.
On May 29, 2015, we were contacted by Ms. [redacted] and she requested the cancellation of order # [redacted]. Unfortunately, we are never able to guarantee a cancellation once the order has been placed. We received notification from our vendor that they were unable to cancel the item since it had already shipped.
Our records indicate that Ms. [redacted] contacted us on May 9, 2015 indicating that she informed the shipping company that her order was cancelled and she refused shipment.
Please understand that, in addition to products shipped from Fingerhut fulfillment centers/warehouses, many of our products are shipped directly from the vendors providing them, as was the case with Ms. [redacted]'s order.
We received notification from the vendor on July 6, 2015 that they received the return of the Vertical Shed. At that time, a credit was issued for the full item price, including shipping/handling, in the amount of $435.48 and interest charges in the amount of $2.97. These return credits will be visible on Ms. [redacted]'s July 26, 2015 billing statement.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca
Initial Consumer Rebuttal /* (3000, 7, 2015/07/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The information provided in the response is not true, I was contacted by the shipper after canceling the order, I was contacted to arrange a shipping date, at the time of the call I advised this order was already cancelled, there nothing was shipped
Nevertheless, the business has credited my account, simply owning responsibility of ignoring my multiple request via phone and email for a credit would hve been the professional way to go about it
I am rejecting this response because:They have not substantiated anything. Anyone can open an account online. Jefferson Capital (whom they supposedly sold the account to) cannot substantiate the account either.I will be filing a lawsuit.
A Verizon representative spoke with [redacted] and placed an order for new telephone service. The telephone service was installed 4/**/17. An order was then placed to add DSL service which was installed 4/**/17. I spoke with [redacted] and verified that the services were both working.
A Verizon representative spoke with [redacted] on 3/*/2017. The representative advised that the billing for the internet service had not changed, as the speed upgrade order had not completed. The representative was able to get the order completed as of 3/*/2017.
Subsequent to receipt of the complaint, I contacted [redacted] and apologized for her concern. [redacted] stated she was never advised ahead of time of the one time installation/set up fee. I advised [redacted] that I adjusted the first installment including tax of $27.99 and waived the...
remaining two installment charges from appearing on future bills. [redacted] was very satisfied.
Thank you for referring the complaint of [redacted] to our office for review. We appreciate this matter being brought to our attention. [redacted] expressed concern about Long Distance charges. Please be advised that our Billing Investigation Team was able to speak with [redacted] on August...
*, 2017. Account was purchased by Orion Portfolio Services (phone number ###-###-####) on June **, 2015. [redacted] understands that he has to contact the purchaser of the account as Verizon no longer owns the rights to the account. All three credit reporting agencies were checked to confirm that Verizon is not credit reporting this customer; but the purchaser of the account, Orion, might be credit reporting the account. We trust that this information will assist you in the closing of this complaint. We apologize for any inconvenience that [redacted] has experienced as a result of the above matter.
CONFIDENTIAL COMMUNICATION June 2, 2016 ...⇄ 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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states he will send a payment for the amount owed after he receives his disability check. We appreciate the payment Mr. [redacted] is going to make on his account. Again, his current balance is $152.69. A minimum payment of $69.96 is due by June 27, 2016. Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION July 18, 2016 Revdex.com of Minnesota ...
# [redacted] Attn: [redacted] 220 S. River Ridge Cir. 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 promotion code she would like to use in relation to her WebBank/Fingerhut Advantage Account. Ms. [redacted] states she is unable to apply promotion coupon ‘NC466’ for $50.00 off a $200 or above order, for which she qualifies according to its advertising on the Fingerhut website for those who, like herself, are new customers. She states a representative she contacted via web chat service confirmed she was eligible to use the code and advised her to call customer service to apply it to her order. Ms. [redacted] wants a stronger assurance she will be given the coupon discount and wants to avoid a further “run around.” Our records confirm that the discount Ms. [redacted] refers to of ‘NC466’ is a valid promotional code with us. It is difficult to determine what exactly caused the code to be rejected when Ms. [redacted] applied it during the web checkout process, since it appears she met the eligibility requirements of placing an order totaling at least $200, applying for her account on the Fingerhut website, and placing her order before the code’s expiration date of June 30, 2016. On July 18, 2016, a customer service representative called Ms. [redacted] to assist her with the order and applying the discount. The representative spoke with a third party and left a message advising that Ms. [redacted] should call our Customer Service Department at ###-###-#### to place her order so that the discount could be applied. Ms. [redacted] should not encounter any difficulty when she calls customer service to place her order as her account is clearly noted that we will honor the ‘NC466’ promotional code. As a reminder, the order total must be a minimum of $200 before we can apply the $50 discount to it. We appreciate Ms. [redacted]’s ongoing patience and cooperation with us in working to resolve this matter. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/ah
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:I have still not received a check for the outstanding balance on my account. This is not a refund or return this is money I paid that should be returned.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
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] Jo D., my representative from Verizon's Executive Relations Team completely ignored the situation that arose when I terminated service with Verizon. During my termination, I was informed by Candice that because I was on Autopay and I was terminating service in the middle of a billing cycle, that I would receive a credit for the days remaining in the billing cycle for which I did not have service. I never received that credit. Had I been informed that termination of service did not include a pro-rated credit, I simply would have retained service until the end of the billing cycle. I explained all of this in a letter I wrote to Verizon, which they received on 1/**/18 and was explained in my initial complaint via the Revdex.com.I should not be held financially accountable for the mistakes of their customer service representatives. As such, Verizon should issue a credit for $63.33, which at this time will zero the account. In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
According to our records, a billing specialist spoke with the customer on 2/*/17 regarding his billing. The specialist agreed to adjust a late payment charge in the amount of $5. A previous representative adjusted the two previous late payment fees. There was a system issue that...
prevented the customer from viewing his bill online. The system issue was resolved on 2/*/17. We apologize for any inconvenience that this matter may have caused the customer.
CONFIDENTIAL COMMUNICATION June 2,...
2016 ...⇄ 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 Fingerhut/FreshStart Account. Ms. [redacted] states she cancelled an order on her FreshStart Account before the order shipped. She is wanting to have her $30.00 down payment returned to her and would like to close her account and destroy all record of her information. Our records indicate Ms. [redacted] opened her account on May 19, 2016. Ms. [redacted] placed an order for a Madison Industries Matrix Sofa Furniture Cover on May 19, 2016. On May 20, 2016 her order was cancelled as a result of an email request from Ms. [redacted]. This order did not ship. On May 22, 2016 Ms. [redacted] requested to close her account. On that same date her account was closed. She will be unable to use her account for future purchases. Ms. [redacted]’s $30.00 down payment was returned to her credit card ending on 1475 on May 24, 2016. Ms. [redacted] requests that her information be removed from our records. We will not be able to do this as we are required to retain records of the complete application process for 25 months after the notification is sent to the applicant. Thank you for understanding and allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS[redacted]
I am rejecting this response because:It needs...
to be noted. The gentleman who contacted me had an attitude problem from the beginning of the conversation. So I terminated the conversation. I stated to him the account was closed I would be doing no further business with his company. I will take care of my obligations. But would not recommend Fingerhut to even my worst enemy. It’s customary with Fingerhut customer care to place you on hold instead of disconnect your calls so you cannot leave feedback on poor customer service. I too have posted a complete audio and video log of my telecommunications with Fingerhut and their customer care. The videos are on both YouTube and Facebook. Again this case is closed. It took 2 weeks to recieve a phone call. My business has proven to be unimportant to this company. So being so insignificant; I will do no further dealings. No further response needed. Your letter is clearly full of lies. Good day
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 $10.96 was a credit that was supposed to be applied to our account for our phone line being out of service around Christmas 2015. The additional credit of $17 is new to me and no one has explained why this amount. I have attempted to contact Mr. Stephen S[redacted] multiple times with multiple voicemail and he has failed to return my calls on the contact numbers given to him. I would like to have all charges credited back on my account. This has been an on-going issue since January.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Please be advised, Verizon has made multiple attempts to speak with the consumer since receiving the rebuttal complaint. Voicemail messages have been left on both the home telephone number and the can be reached number provided. An email was also forwarded to the consumer advising of our attempts to speak with him and also requesting that the consumer provide a good time of day in which we can contact him to discuss the matter thoroughly. To date, Verizon has not received a response from the consumer.
Initial Business Response /* (1000, 10, 2015/05/19) */
CONFIDENTIAL COMMUNICATION
May 19, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
I am writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account.
Ms. [redacted] states she was experiencing a financial hardship in 2014 and was told she was eligible for SafeLine. Ms. [redacted] said she "entered into an agreement" and paid her account in full in January 2015. Ms. [redacted] also states that she has not received any response from Fingerhut to the emails and letters she has sent regarding her account. Though Ms. [redacted] recognizes her credit report is reporting accurately, she is requesting that Fingerhut remove a ninety day delinquency as a gesture of goodwill.
After a thorough review Ms. [redacted]'s account, there have been no SafeLine fees charged to her account. Ms. [redacted] did not enroll in SafeLine at the time of her application and there are no notes indicating any recent enrollment.
Our records indicate that one letter was received from Ms. [redacted] on April 20, 2015. A member of the Executive Care Team attempted to reach Ms. [redacted] by phone on April 20, 2015. A voice message was left, but we have not received a response from Ms. [redacted] to date. There are no records of receiving any emails from Ms. [redacted].
A letter was mailed to Ms. [redacted] on May 5, 2015 with an explanation of why Fingerhut cannot grant her request for goodwill. In an additional comment sent through the Revdex.com on May 8, 2015, Ms. [redacted] states the letter was received. She reiterated that she does not want Fingerhut to report inaccurately, she just wants the trade line deleted.
According to our records, no payment was received on Ms. [redacted]'s Fingerhut account from September 26, 2014 until January 31, 2015. Consequently, her account was reported delinquent to the credit bureaus for November 2014, December 2014 and January 2015.
Unfortunately, when an account has been delinquent for ninety days, the credit limit is reduced to zero. After the balance is paid in full, Ms. [redacted] may reapply for credit.
A payment for $137.95 was received on January 31, 2015. Ms. [redacted]'s account was reported current with a balance of $304.87 to the credit bureaus on February 26, 2015.
An account review on April 20, 2015 confirmed that Equifax, Trans Union and Experian are reporting Ms. [redacted]'s account accurately.
We value Ms. [redacted]'s business and although we understand her situation, we cannot revise any 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 Ms. [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,
[redacted]
Executive Care Team
VF/lg
Initial Consumer Rebuttal /* (3000, 12, 2015/05/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I'm not asking for a revision I'm asking for it to be deleted which is not a violation of FCRA
Final Consumer Response /* (3000, 15, 2015/05/26) */
No one is calling me. I received two generic letters stating that " if you fail to fulfill the terms of your credit terms a negative report can be submitted to one or more of the reporting agencies"
This information I understand but that is not at all addressing my request. I am requesting a Goodwill Adjustment on the strength that one I was behind because of false information your reps provided to me, the horrible customer service and as a simple request. It isn't a violation of FCRA. I have confirmed this. Also deleting a trade line is what I would like. I am not asking for anything to be falsely reported or special treatment I am asking that after my balance is paid the trade line is deleted. that's it.
Final Business Response /* (4000, 17, 2015/06/01) */
CONFIDENTIAL COMMUNICATION
May 28, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to an additional inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut Credit Account.
Ms. [redacted] is requesting to have her WebBank/Fingerhut trade line deleted from her credit report. Ms. [redacted] states that no one has tried to call her and that she has received two letters reiterating Fingerhut's Terms and Conditions regarding credit bureau reporting.
As stated in our initial response, an attempt to reach Ms. [redacted] on April 20, 2015 was unsuccessful. A message was left for Ms. [redacted] to contact the Executive Care Team directly, but we have not received a response from Ms. [redacted] to date. Additionally, a letter was mailed directly to Ms. [redacted] on May 5, 2015 in response to correspondence received directly from Ms. [redacted].
In response to the additional inquiry, a member of the Executive Care Team did speak directly with Ms. [redacted] on May 27, 2015, and she was able to describe in detail the phone conversations in which she believes she was given inaccurate information. These conversations corresponded to the available call recordings from January 2015 that were reviewed before our initial response.
Ms. [redacted] clarified that she believes the misinformation leading to her delinquent remarks resulted from a call she made before her account became delinquent. Ms. [redacted] states she was told that she could stop paying her bill without consequence to her credit report.
Fingerhut has no record of speaking with Ms. [redacted] since July 15, 2014, when she called to add an apartment number to her address, until January 20, 2015 when she called to make payment arrangements.
Based on the call logs associated with Ms. [redacted]'s account, no successful contact was made through a series of outbound calls made to Ms. [redacted] to collect on her past due account.
Based on our research, seven collection letters and five statements were mailed to Ms. [redacted] between the months of September 2014 and January 2015 advising her that her account was past due and that there may be consequences of not bringing her account current.
As stated in our previous response to Ms. [redacted], we cannot revise any information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
KD/lg
CONFIDENTIAL COMMUNICATION April 15,...
2016 ...⇄ Revdex.com of Minnesota �...⇄ #:[redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, 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. We are sorry to hear that the Samsung Galaxy Tab 3 Lite Android Tablet Ms. [redacted] received was defective. Our records indicate the tablet was ordered on November 14, 2016 and shipped on November 16, 2016. We were notified of the defective tablet on February 1, 2016, which is outside of the 30 day home trial period. Per our return policy, tablets must be returned to us within 30 days. While we were offering an extended home trial during the holiday season, this allowed for exchange or refund through January 31, 2016. Because Ms. [redacted] notified us one day after the deadline, we will make an exception by accepting the return. Fingerhut provides a convenient prepaid return label with the product. If Ms. [redacted] no longer has this, she can visit our Returns Center in the My Account area of the website to print a new return label at Fingerhut.com. She should mark the box indicating the product is defective. If she needs any further assistance with obtaining the label, she may call our Executive Care Team at ###-###-####. Once we receive the tablet, a prompt exchange will be made. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/jm �...⇄ [redacted]
CONFIDENTIAL COMMUNICATION May 9, 2016 Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted]. To confirm to Ms. [redacted], we received the Chef’s mark Countertop IceCube Maker as a return earlier today. Her warranty claim has been approved, and a replacement order for the same item has been submitted at no cost to Ms. [redacted]. Ms. [redacted] should allow up to 72 hours from this response to receive shipping confirmation and a tracking number for the replacement order at her [email protected] email address on file. Ms. [redacted] may re-open this inquiry if she has an issue after receiving the new ice maker, but at this time we consider this matter closed and resolved. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ah
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATIONMarch 29,...
2016 ...⇄ # [redacted]Revdex.com of MinnesotaAttn: [redacted]220 S River Ridge CircleBurnsville, MN 55337Re: Case # [redacted] Dear Ms. [redacted],I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.Our records indicate Ms. [redacted] had a recurring payment schedule for $154.00 that she set up through our website in September 2015. On January 4, 2016 she cancelled the recurring payment schedule online.In order for us to cancel a recurring payment schedule, the cancellation request must be received at least 24 hours prior to the payment schedule date. Unfortunately, Ms. [redacted] did not allow the designated time frame and the payment was processed. When Ms. [redacted] requested a stop payment on the payment for $154.00 through her bank, the payment was returned to us and her account was charged a returned check charge of $27.00. As a courtesy, we have credited the returned check charge of $27.00. Ms. [redacted] will see the credit reflected on her monthly billing statement within one to two billing cycles.Ms. [redacted] set up a new recurring payment schedule on January 4, 2016 for the minimum payment due of $155.93 beginning on January 5, 2016. On February 3, 2016 she cancelled the minimum payment schedule and reset up another recurring payment for $144.00 to be paid on the 5th of every month. The minimum payment due according to Ms. [redacted]’s statement which cycled on February 9, 2016 was $148.66. The payment we received on March 5, 2016 was $144.00 which did not cover the minimum payment due. As a result, a late fee of $27.00 was assessed to Ms. [redacted]’s account per the terms and conditions she agreed to at the time she opened her account. Since the payment we received did not meet the minimum due requirement the late fee will not be credited.On February 22, 2016, Ms. [redacted] placed an order by phone for a Werner 24’ Extension Ladder which totaled $399.99. This order appeared on Ms. [redacted]’s March 9, 2016 billing statement and according to our records, no catalog number or promotion code was provided for the deferred payment offer on this order. If Ms. [redacted] has the promotion code or catalog number for the deferred payment offer, she may contact our Customer Service Department at ###-###-#### to provide the deferral information for this order.Another order was placed on February 26, 2016 for a Cuisinart 12-Cup Programmable Coffeemaker which totaled $102.98 and is also reflected on Ms. [redacted]’s March 9, 2016 billing statement. The minimum payment due on Ms. [redacted]’s account is $170.96 and is reflected on her monthly billing statement.Thank you for allowing us to assist and explain.Sincerely,Vi [redacted]Executive Care TeamVF/bw �...⇄ [redacted]
Initial Business Response /* (1000, 5, 2015/07/09) */
CONFIDENTIAL COMMUNICATION
July 8, 2015
# [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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Ms. [redacted]'s account indicates she placed an order for a Suncast 52 cu.ft. Vertical Shed on May 28, 2015 when speaking with a representative.
On May 29, 2015, we were contacted by Ms. [redacted] and she requested the cancellation of order # [redacted]. Unfortunately, we are never able to guarantee a cancellation once the order has been placed. We received notification from our vendor that they were unable to cancel the item since it had already shipped.
Our records indicate that Ms. [redacted] contacted us on May 9, 2015 indicating that she informed the shipping company that her order was cancelled and she refused shipment.
Please understand that, in addition to products shipped from Fingerhut fulfillment centers/warehouses, many of our products are shipped directly from the vendors providing them, as was the case with Ms. [redacted]'s order.
We received notification from the vendor on July 6, 2015 that they received the return of the Vertical Shed. At that time, a credit was issued for the full item price, including shipping/handling, in the amount of $435.48 and interest charges in the amount of $2.97. These return credits will be visible on Ms. [redacted]'s July 26, 2015 billing statement.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca
Initial Consumer Rebuttal /* (3000, 7, 2015/07/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The information provided in the response is not true, I was contacted by the shipper after canceling the order, I was contacted to arrange a shipping date, at the time of the call I advised this order was already cancelled, there nothing was shipped
Nevertheless, the business has credited my account, simply owning responsibility of ignoring my multiple request via phone and email for a credit would hve been the professional way to go about it